If you can't afford to sacrifice little Seema or Sunil's ivy-league college tuition for rent, don't bother looking. A number of buildings in the city have been, and are being built with state and federal subsidies provided a percentage of units are made available to people of modest means, up to 80 percent of the median income of the area. But, if we restrict ownership or occupancy to our own ethnic group and exclude everyone else, we would need an expert attorney to skirt the hazards of antisegregation laws, and the financing has to be private. Public assistance may be difficult. This would undoubtedly be a complex undertaking, requiring a guiding hand of an expert attorney, developer and architect and, even, an expediter well versed in bureaucratic intricacies.
Different people choose differently.
I don't begrudge the good fortunes of those living in rent-controlled apartments.