In 1963 the FHA had approved federal home mortgage insurance exclusively for condominiums or for homes in subdivisions which had a qualifying homeowner association. The rationale was that developers wanted to get around density laws. The effect, however, was to divert investment from multi-family housing and home construction or renovation in the inner cities. This accelerated the middle-class exodus to the suburbs and into common-interest housing. The rapid expansion of federally subsidized highways under federal programs made access to new areas easy.