“People always say, ‘well Monte you have vision,’” says Monte Anderson, a 57-year-old small-scale developer in the Greater Dallas region. “There is no vision. I have one thing: I have desperation. Out of desperation, just to have a coffee shop in my neighborhood, or a good place to get a hamburger, or a place to go to work, or a decent house, that’s how I create things. Out of desperation.”