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OLIVER UNZONED MEDIA


Permit Speed” Is the New Alpha: AI Is Entering City Hall
Developers obsess over rates, rents, and construction costs. But in 2026, one variable increasingly separates winners from losers : time. Permit time. Review time. Re-submittal time. Hearing time. Because time is carrying cost—and carrying cost is margin. That’s why a quiet shift matters: cities are piloting AI-assisted permitting and plan review to reduce backlogs and accelerate housing delivery. What AI can actually do ( and what it can’t ) AI is not a magic stamp that app
Jan 121 min read


The “City of Yes” Era: Why Citywide Rule-Change Packages Still Dominate the Housing Conversation
The loudest housing debates aren’t always about a single tower, a single block, or a single rezoning. More and more, the fight is over the operating system of the city: citywide zoning packages that tweak the rules everywhere, unlocking “small” amounts of additional housing across thousands of lots. That’s the “ City of Yes” template —and it stays a core conversation because it touches every neighborhood, shifts what’s legal by default , and rewrites baseline feasibility for
Jan 122 min read


Private Credit’s Takeover of CRE Debt: New Gatekeepers, New Terms
The quiet power shift in commercial real estate (CRE) isn’t just about interest rates, cap rates, or vacancy. It’s about who now controls the debt dial. As bank lending standards tightened after 2020, private credit stopped being the “ alternative ” and moved directly into the center of the capital stack. What started as gap-filling mezzanine and bridge capital has scaled into senior and whole-loan territory—redrawing pricing, covenants, and execution speed across the market
Nov 9, 20254 min read
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