As a result of today's housing market environment, essential service employees, such as police officers, firefighters, teachers, and other workers are being squeezed out of the opportunity to live in the municipalities in which they serve. In addition, a lack of affordable housing within a reasonable commuting distance is a key factor in recruiting the personnel that will make a positive impact on most communities.

CAP Advisors has been at the forefront in the development and financing of workforce housing. Community Workforce Trust was formed to work with municipalities to identify, acquire, and develop land that would be improved with moderately priced, aesthetically appealing "Workforce Housing"; a market not currently served to any great extent in most communities.