This thesis is composed of six chapters. The first, the introduction, provides an overview of the research topic and the literature. The next chapter presents the findings pertaining to the development process that stretches from acquisition, renovation to leasing/sale of two- to four-unit buildings (or parts within), and includes the availability of financing. The next two chapters present the social ecosystem that surrounds the development process. The third chapter focuses on the web of interrelated individuals and organizations that are capable of exhibiting agency with respect to the two- to four-unit building market, including the resource providers, partners, alternative providers of housing, customers, problem makers and bystanders The fourth chapter focuses on the environmental conditions that shape what players can exist and their relationship with each other, including the economy, laws & regulations, demographics, culture and geography. The fifth chapter presents key findings and their implications. The final chapter presents the strategic plan that was developed in line with the findings.

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