For those looking to make a good investment to “create a desirable urban space”, there are many ways to donate to non-profit (museums, theaters, local schools, libraries, co-ops, etc) to achieve that. A coffee shop, or even funeral home, could set itself up as a non-profit, with the employees and managers making market salaries but relying on community donations, in addition to community business, to keep the place going if needed.

For businesses who set themselves up as for-profit, or those who wish to invest in for-profit businesses, a return on capital is required for those systems to work. Investors may accept a lower return on their money in a local business compared to one they will never see, but there is absolutely nothing wrong with making sure there is a investment return. Otherwise, how do you suppose the next business gets funded?