Finding a safe, clean and affordable home is a challenge for many people. For senior citizens, adults with disabilities and working families, it is often a nearly impossible task. In Oakland, California, what started in 1989 as a local effort to attract investors to a severely distressed city has become a way to address the issue of affordable housing nationwide. Today, Merritt Community Capital Corporation invests in a range of local developments, from single room occupancy hotels to multi-family housing developments, offering its investors a unique opportunity to earn competitive returns while addressing a critical need for affordable housing.