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How would you spend $20 million a year?
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Finance low rent co-op housing, this actually has a very low risk profile because the tenants have a direct stake in the building payment and being below market rent they will stay at 100% occupancy, all while having a strong social impact by giving families stable places to live at lower rates. Depending on renters eights laws, some.places you could give preference in applications to teachers, social workers, firepeople, and other public employees. You can make a decent interest rate still and build out a big portfolio over time to keep rolling more and more into the investment. This would make a big difference in pushing market rental rate down in towns and small cities over time, like it has in cities like Vienna, Austria.