the problem in sf is building is incredibly expensive, and projects that have been planned, land acquired, are simply sitting as empty lots because developers don’t have the money.

interest rates for construction loans, reduced funding, labor and material costs, all contribute to the amount of housing built.

there is a bond being debated in the ca senate now that will help by giving loans for construction.

https://calmatters.org/politics/2026/01/2026-housing-agenda/