The study finds that if minority families owned homes at the same rate as whites of a similar age and income, there would be an additional 3.5 million homeowners today. A major factor contributing to this gap is that minority and lower income famimlies experience continuing, and in many cases growing, inequalities in obtaining the financing necessary to purchase a home.

One of the most pressing growth related problems is the proliferation of wildcat subdividing, or lot splitting. It is generally defined as the proliferation of new residential parcels without the benefit of subdivision regulation. Often these areas are devoid of any basic infrastructure, standard environmental regulation, subdivision standards, or infrastructure requirements. This report addresses seven areas of concern.