Rocky Mountain Institute, Oct. 14, 2016, by Kelly Vaughn.
http://blog.rmi.org/blog_2016_10_14_getting_to_net_zero_carbon_in_multifamily_homes

"Consumers wanting to undertake a deep energy retrofit of a home currently face a challenging process that involves multiple complex steps, as shown in the infographic [shows barriers and opportunities] below. For this reason, many give up on energy efficiency."