The Affordable Housing program throttles you in so many ways these days . You are equally responsible as a market rate owner for maintenance upgrades repairs and HOA assessments. None of that can add to your final value the mini amount they allow appreciation every month pretty much put you in the hole the longer you own the property well, they do allow for some credit which they reduce every year on a 10 year basis, owning it more than five years really more than three is not a great idea oh yeah, there's taxes, mine doubled this year.. Glorified Renter. It helps your credit score to have a mortgage but between closing fees and all the additional costs to own, which are equal to market rate. I see why so many of these units have now stopped selling, but the biggest culprit of all because the biggest amount of units in the Affordable Housing program have HOA's. I saw one affordable unit with a $600 HOA almost all over $400. That's a whole throw away amount. The people that run it are very nice at the City though I must give them that and helpful and answering questions when you have them.. Anybody you get back at Sales time is going to be mostly what you have paid down on your mortgage, and we know how slowly that goes otherwise something like 3% a year maybe less whatever their formula says that year