67% of households in the Green Umbrella Cincinnati region own a home. Home equity is the primary source of wealth for many Americans, but it is inaccessible to renters and leads to policy that prioritizes increasing property values, which drives up housing costs. When property values decrease and lower housing costs, homeowners lose their investment. Climate change will exacerbate housing cost fluctuation as the consequences of climate change become a greater factor in property valuation. This playbook offers decisionmakers tools to establish an alternative to homeownership that builds wealth for renters and stabilizes housing costs throughout the region.