Unelected government bureaucracies and the civil service rules that govern them are the single biggest problem we have in government IMHO!
The voting public must involve themselves, mainly during non working hours, for no compensation.
The government employees get paid, to pursue their agendas. I have witnessed it at the city level, and the school board level.
An example is "planning," for a new subdivision or shopping facility. The city staff hold the rulebook, and have already invested hundreds of hours and thousands of dollars before the local reviews take place.
If the city needs to generate "low income" housing, they have often cooked a deal with the builder.
Never mind the area residents want nothing to do with "low income" neighbors. They moved there in part, to get away from those people.
But nevertheless the staff push for the zoning, push for the requirements, because their very paychecks depend on grants from the FedGov, for instance.
Only the most wealthy jurisdictions can cut loose from the CDBGs (Community Development Block Grants) for low-moderate housing.
I knew a smart lady, real estate broker, who started and ran a business, to buy and rehab apartment buildings. She formed LLCs consisting of area builders. They could use their participation in these projects, to fulfill the number of low-moderate income units in an otherwise "market price" project.
Builders from very large down to small, could use this method. She died but I bet her plan lives on.
But the HUD funds go for many other purposes, too. Funding an activity qualifies, provided it can demonstrate its service to the "low-moderate" income population.
CATEGORIES OF ELIGIBLE ACTIVITIES PAGE *
Acquisition of Real Property 2-3
Disposition 2-9
Public Facilities and Improvements 2-11
Clearance 2-18
Public Services 2-22
Interim Assistance 2-29
Relocation 2-33
Loss of Rental Income 2-35
Privately-Owned Utilities 2-36
Rehabilitation 2-38
Construction of Housing 2-47
Code Enforcement 2-51
Special Economic Development Activities 2-55
Microenterprise Assistance 2-63
Special Activities by CBDOs 2-66
Homeownership Assistance 2-73
Planning and Capacity Building 2-75
Program Administration Costs 2-77
Miscellaneous Other Activities 2-82
* from a big pdf document about CDBGs