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this reluctance mu�t be suk�stantially reduced. <br />Neighborhood Physical Design and Standards� <br />The process of assembling land in large enough tracts to allow total <br />design to tak� place is of crucial imgortance to the neighborhood con- <br />cept. 15 In terrn� of neighb��-hood design, the tract builder has a great <br />p�tential advantage over most of his competitors because of his large <br />site. The �fact that the have not taken adrranta e of this asset d�es not <br />vitzate the vali ity_o needin sizeable tracts o an in or er to ring <br />a out more coherent nei h orhooc� desi n. A quick glance at plat maps <br />�aves th� viewer wit�a litt e doubt that most new development is done in <br />a very pie�emeal manner. Even if good desagners •�ere em�loyed and <br />given a wi.de latitude �f discretion, (which they are not), many of them <br />would be hard put to do much with the �mall sites. Although the detailed <br />scale (t�aree or four blocks) can be worked out in a very desirable <br />fashion, wh�n neighborhood and community �ca.le is considered, it is <br />imperative that the de�i.gner be alloweci a great deal of freedom. Con- <br />sequently, a prerequisite for more coherent and betiter neighborhood <br />design is large site� assembled in single ownership or cooperative <br />agreerz�ents among a number of property owners. <br />Two factors seem to be primarily responsible f�r incoherent neighbor- <br />hood desagn. First, the typical builder ir� this Area produces about 20 <br />l:omes per year and obtains his iand a�out one or two years ahead of <br />canstruction� Because of his small scale ope:ation, he does not have <br />the need to a�semble and aption large tracts of land. Even i£ he desires <br />to do so, th� typical builder has difficulty financing such an acquisition <br />and paying �he tax assessments prior to its actually being developed. <br />The second reason is that lenders are very reluctant to make large �and <br />clevelopment loans. In consi�deration of these types of loans, the lender <br />is particularly co�.cerned about the buildep's sicill, size oi� operation, <br />and fin�.ncial capacity. Since the large builders are the ones who have <br />the sizeable amounts of capital, it is understandable th�at they a�e a.ble <br />to obtiain such loans much mor.e readily tiha.n the smaller builders. In <br />this A rea th� lsndin� institutions have done ve ry little in the way of <br />making land development loans for the purpo�e of assernbling, optioning, <br />and acquiring lan.d. Thus, the financing burden of performing these <br />ta�ks has fallen almost er�tirely on the k,uilder. Until the financial means <br />are �rovided for the builder to take on large-scale land assembly or a <br />public or quasi-public agency performs this operation or therrl, there <br />is little likelihood that closely ante�rated ileighborhood development will <br />occur. <br />For the most part, whatever neighborhood development has occurred <br />since 1950 may be considered as an outgrowth of the neighborhood design <br />1�As understood in this paper, the concEpt embodies the following core <br />elements: a homogeneous residential area 5erved by an elementary <br />schcol and local playground or park, bounded by natural barriers or <br />major streets, and with a street system arranged to discourage <br />through traffic . <br />