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The Seattle Middle Housing Trap

HB 1110 changed what many Greater Seattle lots are allowed to build—but it didn’t change what makes projects profitable. The bill can raise the ceiling to 4–6 units in the right contexts, yet the real outcome is still governed by utilities, slope/geotech risk, stormwater scope, permitting timelines, construction pricing, and whether senior debt will underwrite the plan. In this insight piece, we break down what HB 1110 actually does, why “new density” often turns into a margin trap, and the practical sequence owners should follow to separate real opportunities from expensive distractions.

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