Friday, December 6, 2013

Establishing True Green Market Valuation of America's Non Green Housing Stock



If we take the time to look at the real bricks and mortar of our nation's entire housing stock, and, in doing so, eliminate any form of discussion pertaining to traditional mortgage lending relevant to residential property valuation, we essentially end up with bricks and mortar.

If you think about this, and, in doing so think about the fact that property valuation, whether it be residential, commercial or industrial in nature has become on one hand quite redundant and inconsequential or entirely irrelevant to our entire nationwide economic dialogue, how we manage our bricks and mortar will ultimately determine mortgage valuation in the years to come as that valuation is quite relevant to the overall reindustrialization of our brick and mortar industries.

What I am saying is this.

Mortgage lending over the course of the past thirty years has become much less associated with the growth of the construction industries that either build new or remodel old American architecture. Because of this rather obvious fact, establishing any form of real real estate valuation cannot in any manner be economically benchmarked meaning that regardless of what type of building we think we may own, there is not one lending institution anywhere in our United States that has even a remote clue as to what any given piece of real estate in America is actually worth.

In other words, while every American who owns a home and every mortgage provider who holds title to that home is quite hopeful that in fact the home is actually worth something, what that home is worth, what industrial and economic investment principles that historically benchmarked home evaluation and tied such evaluation to the mortgage lending concept within that region, is virtually non existent.

So, how does the sun shine on what this author describes as the remote possibility of establishing  "True Green Nationwide Home Mortgage Re-valuation"?

As the most dynamic or compelling answer to this question is the need to establish an equally comprehensive "Mixed Energy Use, National Building Code", the contents of that code must by definition, be quite regional, and, therefore somewhat restrictive in scope, thus, within that regionally restrictive scope comes the validation of regional property valuation. Quite exciting to realize from the standpoint of the homeowner, the mortgage lender and the commercial and industrial lender of funds that ultimately bring to the region new multi-dimensional building component manufacturing oriented industries, such restriction brings as well quite dynamic regionally based construction trade job growth while in the same breath bring to that region the capacity to utilize the naturally occurring energy resources capable of being harnessed within that region.

While all of this sounds wonderful and somewhat altruistic in nature, 21st century green American property valuation has to have, within its' whole architectural blueprint, a fully integrated public utility provider dialogue, an equally integrated public transportation provider dialogue, a subsequent construction trades training dialogue, and equally comprehensive light industrial growth strategy as well as a strategy to integrate retail based outlets directly associated with all of the above that bring to any given block in any given American neighborhood the whole picture in quite the ordinary and uncomplicated manner. As the goal is for any person living in and owning any home to know beyond any form of reasonable doubt that their home is valued quite specifically from the perspective of its' environmentally anchored architectural footprint being an integral part of their neighbors architectural footprint and both sets of prints actually form economic pathways that ultimately link their particular property valuation to the whole evaluation of an entire block or to an entire community, the question of course, is how to do so.

Complicated in one manner to try to digest, the concept of true green market valuation of America's non green housing stock is just not that hard to accomplish particularly when one considers the fact that virtually every homeowner gets from the process, a newly commissioned home on a newly commissioned piece of residential property in a newly commissioned neighborhood in a newly commissioned community.


The steps required to make this whole thing work.

Step One
Remove the inhabitants and their personal possessions from a home.

Step Two
Disconnect all public utilities from the structure.

Step Three
Strip the home of building materials deemed redundant to that homes whole health.

Step Four
Ship redundant building materials to waste reclamation sites.

Step Five
Detach home from original foundation.

Step Six
Reposition home to maximize passive solar gain and wind energy collection.

Step Seven
Reconfigure original home foundation to accommodate above mentioned architectural repositioning.

Step Eight
Bring  "public geothermal utility lines" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Nine
Bring "public utility solid waste sewer lines"into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Ten
Bring "public utility grey water lines" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Eleven
Bring "public utility ground and rainwater drainage lines" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Twelve
Bring "natural gas heating and cooking supply lines" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Thirteen
Bring "natural gas based transportation refueling lines" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Fourteen
Bring "high voltage electrical power lines" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Fifteen
Bring "high voltage electrical transportation power lines" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Sixteen
Bring "municipal water supply lines" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Seventeen
Bring "private sector residential high voltage electricians" into property financed solely by private mortgage lender.

Step Eighteen
Bring "private sector low voltage electricians"  into property financed solely by private mortgage lender.

Step Nineteen
Bring "private sector information and communication wiring professionals"  into property financed solely by private mortgage lender.

Step Twenty
Bring "private sector insulation technicians"  into property financed solely by private mortgage lender.

Step Twenty One
Bring "private sector roofing technicians"  into property financed solely by private mortgage lender.

Step Twenty Two
Bring "private sector rooftop solar array technicians" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Twenty Three
Bring "private sector horizontal and vertical wind turbine technicians" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Twenty Four
Bring "private sector glass glazers" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete.

Step Twenty Five
Bring "private sector air lock home entry technicians, greenhouse and bathing spa technicians" into property financed initially by utility provider and private mortgage lender initially underwritten by EPA based federal home loan guarantees which are eventually dissolved and thus absorbed into a fully documented private residential mortgage document once construction is complete. Although such sectors would predominantly be based upon private owner choice of installation, the simple fact remains that the technologies associated with such choices do have a clearly defined relationship with the energy sources that must ultimately interact with our nations, overall public utility expansion and management philosophy. This is good!

As what I have described in the twenty five steps above more or less assures our nations' overall dialogue pertaining to positively applied mixed energy regulatory based public utility nomenclature that can and must have an increasingly more provocative and/or proactive role in our ability to finally put to rest entirely impertinent political arguments either for or against such nomenclature, green property valuation is at the core of our nation's whole banking system and as it is, it is as well at the core of our nations' capacity to positively as opposed to negatively validate such property evaluation as it is as such our greater national imperative to validate public utility re-evaluation as that re-evaluation and in turn much needed banking reform work in unison together.

We are as a nation simply striving to build a new public utility infrastructure which is of course tied to a national mortgage infrastructure which is of course tied to national job infrastructure. As in fact this is our actual national economic and industrial imperative, stripping the regulatory bodies that have on one level brought us to such impertinent political stalemating has in another breath entirely brought us collectively to the point where redressing those same regulatory bodies in an altogether different set of nationally based industrial apparel might in fact enable us to work as a nation together again.

Whereas the first twenty five steps I mentioned above addressed in quite the comprehensive manner what it is that this author perceives to be as a rather simple and straight forward need to simply restructure the public utilities that go into the whole and substantial retrofitting of our nations' homes and supporting mortgage institutions that finance these homes and the subsequent regrowth of jobs that the owners of these homes can and should be employed in, there are other much more magical and wonderful attributes that all of us as a nation could realize if in fact we did so.


Step Twenty Six


Bring " a host of American Master Artisans" into the homes of typical American mom and dad families with kids to apply from within their common American artistic mindsets, the final if not eternal artistic touches and community based expressions of how we as a nation possess the capacity to actually enjoy the work we do. There is of course the application of beautifully crafted stained glass, there is of course the construction of floating architectural dance floors, there is if course the construction of homes catering to a host of clients suffering from physical disabilities, there is of course the construction of homes that have bedrooms that nurture the brilliant minds of emerging seven year old scientists. There is of course the homes of teachers who need private library and private study space to escape to in order to prepare themselves to teach the following day the curriculum that will inspire seven year old scientists to strive. As all of this is indeed all about American Architecture, it is as well all about our capacity as a nation to realize the broader dynamics of our combined capacity to view our overall industrial infrastructure as a massive tool of collective public learning.

If we as a nation quite simply take the time to gently assimilate the value of our whole nationwide public utility infrastructure, and, in doing so take the time to assimilate our impressions of mortgage evaluation of the homes we dream of owning, building and living in, and, we in turn can invite our friends and neighbors into, would not our personal public utility investment portfolios expand exponentially as a result?

.

Step Twenty Seven
Bring Positive Energy



Mike Patrick Dahlke



Curriculum vitae


Please visit some of my other essays.

Please visit some of my other essays.

A Disappointing Economic Recovery, Or, An Ongoing, 20th Century, Industrial Based, Structural Collapse.


Is The Great Recession Really Over? What Would Happen If Nothing Happened With Our Money?


Connecting The Industrial Dots Of Neighborhood Based Economic Revitalization


Pension Reform: Welcome To Illinois, If You Don't Like It, Leave






Urban Planning: The Fine Art Of Attaching Organic Belly Buttons To Non Organic Industrial Brains.






Wind Powered Solar Oil Wells






























Illinois $105 billion Unfunded Public Employee Pension Liability.


Is it Too Big To Fail or is it Global Warming?


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