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Welcome to Target Market Insights. A podcast to help real estate investors navigate neighborhoods through the lens of local experts. In each episode, we speak to local specialists to learn about their market, useful tips, and the latest trends and developments. This show is designed to help you with the insights you need to win your target market.

May 19, 2020

Creating affordable housing is a challenge for many developers. Part of the issue is the cost to develop affordable housing leaves little to no profits for developers. Because of this, many developers rely on government subsidies to bridge the profitability gap. However, Scott Choppin and his firm, Urban Pacific have found opportunities with urban infill to deliver affordable housing without using government subsidies.  


Scott is a second-generation investor that focuses on vacant or underutilized areas in a city. His team is committed to developing urban townhomes in these areas. They have developed 1,700 units and continue to evaluate new opportunities. In this episode, Scott shares more about affordable housing, workforce housing, government subsidies, and his UTH model.  


Partner: Get Multifamily and Marketing Consultation through the Capital Impact Club


Key Insights


  • Urban Infill Housing: Find sites that are vacant or underutilized in cities and develop apartments
  • What is Workforce Housing: Pairs private capital with moderate income multi-generational rental housing
  • How to find Urban Infill opportunities: One very surprising resource! 
  • The real estate market for the rest of 2020 and how it is going to shift
  • The impact on rental markets in 2020 and how it affects investors now and in the near future
  • The difference between workforce housing and affordable housing
  • How to work with cities to develop affordable or workforce housing
  • The benefit to investors in developing workforce and affordable housing
  • Government subsidies
  • Understanding The UTH Model: The intersection of lowest density, lowest cost build, with maximum capability to generate rental income
  • Why Scott’s UTH model works without subsidies
  • Working within urban real estate markets (Focus: Los Angeles real estate market)
  • How UTH Homes compare profit-wise to value add multifamily projects or new construction developments

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Bullseye Tips:


Apparent Failure:

2008 taught him to bring all construction activities in-house. 


Digital/Mobile Resource:

Urban Pacific Investor Education



Most Recommended Book:

The 10X Rule: The Only Difference Between Success and Failure (Grant Cardone)


Best Place to Grab a Bite in Long Beach, CA

Joe Jost’s


Get in Touch with Scott:

Urban Pacific

Urban Pacific Investor Education