Article: Builders, banks get creative; As housing market slows, new tactics emerge.

Byline: Jennette Smith, Anjali Fluker

In Ferndale, two groups seeking to develop a $35 million loft project haven't been able to get financing.

In Lake Orion, a new Pulte Homes Inc. subdivision has brisk sales, helping to offset slow sales elsewhere.

At midyear, Detroit's residential real estate market is full of contrasts. A slowing market has led builders and banks to try creative financing and unprecedented incentives in order for their projects to survive. Some developers have become gun-shy about buying land, and are pulling the plug on new permits.

Others have found the right niche product or location and are forging ahead.

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