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Though, if a city decided to set up its own bank / credit union, it could get into the financing game and sponsor projects at a lower return, or even finance projects that it feels will work, but which traditionally risk adverse banks wouldn want to back.The most obvious points where a city can help, are the review processes, the land use, and density. By implementing processes that reduce the cost (in time and money) of the review process, add more potential land uses and designs, and increase the potential density, the city can both reduce costs and increase potential profit of a project. That, in turn, means that a developer can offer their product at a lower price point, while still managing a profit margin high enough to justify the project..

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