The State of California has set an ambitious goal to build 2.5 million housing units by the end of 2031 as part of the State’s 6th Cycle of Regional Housing Needs Allocation (RHNA), allocating roughly 420,000 units, for Moderate Income (80-120% AMI) residents. The challenge for cities and local planners is how to encourage the development of this notoriously difficult “missing middle” housing. While government subsidies exist for Low Income housing development, there are no subsidies or assistance programs to develop Moderate Income housing. Statewide, the average cost of projects to house low-and moderate-income families is well above $500,000 per unit. Moreover, local government impact fees and permit timing delays add considerable additional project costs. At these levels, it has become unfeasible for developers to produce Moderate Income housing, which has led to a “missing middle” donut hole. Please join Riaz Capital as we explore solutions to this crisis on how to build more affordable “Missing Middle” workforce housing units. As a firm, we have a novel affordable by design methodology to produce this category of housing, and have built 275 units to date with 2,500 in the pipeline. In this session we will outline the problem, describe the resident demographics and profile, and share the solutions and development tools we leverage, including the State’s density bonus laws and recent ADU legislation changes.