Speculative housing had always been a part of the colonial economy. Often a builder would build one or two houses at a time sometimes keeping one for himself.
Things changed after the Revolution and the greater prosperity of merchants and other wealthy people prompted speculators to begin to build whole rows of houses which they would sell to individuals or retain and rent out. Often aimed at the growing middle and upper middle class of craftsmen and merchants, houses were designed in the latest style and were sometimes designed by leading architects of the day.