Photo by rawkkim  on Unsplash Oregon's Moderate-Income Revolving Loan (MIRL) program started with a straightforward premise: provide direct financing to help developers build housing attainable for households earning up to 120% of area median income. This is housing for the teachers, nurses, and service workers who earn too much to qualify for deeply subsidized housing, but can't afford market-rate homes. The program made sense on paper. However, for smaller communities that

Photo Credit: David Dibert When we think about the Olympics, we think about athletes training for years for one defining moment. Behind every medal is a network of coaches, trainers, supporters, and entire communities working together toward a shared goal. According to Ryan Olsen, that same spirit is at the heart of HIVE. For Ryan, middle housing isn’t just about buildings, it’s about people. Before a shovel hits the ground, HIVE depends on a diverse network of innovators, s

Members and Friends of the Newberg Workforce Housing Consortium, from left to right: Shawn Daley, George Fox University; Abisha Romano, SEDCOR; Shannon Selah, Newberg Area Habitat for Humanity; Doug Cain, Providence Newberg Health Foundation; Erik Andersson, SEDCOR; Elise Yarnell, Newberg City Council; Nate Wildfire, MMHF; Mayor Bill Rosacker, City of Newberg; Christina Jaramillo, Friendsview; Ryan Olsen, MMHF. On December 5th, something remarkable happened in Newberg. Despit