Local resources can be a critical part of developing or preserving affordable housing. This is especially true in housing for individuals and families who cannot afford housing created through the private market. Local resources are often required as a match for other public (county, state, federal) and private funding sources, and therefore work to leverage a significant amount of funding into Mercer Island and the region that would otherwise not be available. Local resources go beyond just granted or loaned funds -- credit enhancements, City bonding, and donated land are all creative ways to support low cost housing developments. Surplus public land is often cited as one of the key resources local government can use to encourage affordable housing.