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Author(s)/Creator(s): Ann Houston, Hilary Marcus
Community development organizations are dynamic nonprofits that adopt a range of proven strategies to revitalize neighborhoods so they are great places to live, work and play. These place-based nonprofits are positioned as organizations through which local community residents, partnering with civic and business leaders, can create vibrant and sustainable neighborhoods.

Author(s)/Creator(s): Noreen Beatley
The case studies in this paper explore the relationship between housing and health. It explains how building affordable green housing provides health benefits to low-income residentsand it identifies the benefits of green housing for the environment and energy efficiency.

Author(s)/Creator(s): Eric Hangen
New Kensington Community Development Corporation (NKCDC), an organization long dedicated to revitalizing the East Kensington, Fishtown, and Port Richmond neighborhoods of Philadelphia, launched an urban sustainability initiative in 2009 called "Sustainable 19125." The initiative's goal is to make the 19125 ZIP code the most sustainable ZIP code in the city.

Author(s)/Creator(s): Abigail Pound
Many community based organizations have been providing mortgage loans in low-to-moderate income and minority communities on a small scale since the 1970s, In the wake of the housing crisis, they faced special challenges. They approached these with emphasis on flexible underwriting, counseling and education, and a variety of other solutions.

Author(s)/Creator(s): Anne Gass
This report presents case studies of 12 nonprofit housing and community development organizations working to stabilize communities. It explains how the "five C's" of community stabilization help define and identify effective local community stabilization.

Author(s)/Creator(s): Eduardo Berlin Razmilic
This paper suggests a new information-driven framework is needed to help consumers evaluate the sustainability of their housing options. The paper provides an outline of this new framework and how it would work.

Author(s)/Creator(s): Adam Wodka
As housing markets across the country continue to struggle to bounce back, ever-increasing instances of foreclosures remain a daunting problem. While the situation in highly affected urban areas has received much attention, there has been a dearth and inconsistency in research on corresponding rural areas. While the forces commonly linked to the urban crisis such as widespread predatory lending, ballooned housing prices and excessive real estate speculation have affected some rural areas as well, overall the rural crisis is a unique, complex crisis all of its own. As the following analysis illustrates through the use of publicly available data, a survey and interviews, a clear and worsening problem exists in America's rural communities, and it is the goal of this paper to outline the workings of this rural crisis as much as the limited data availability allows. Further, the author makes the case that the crisis has exacerbated already difficult conditions in rural areas, and, while claims of a recovery begin to arise, in rural America, hopes of a quick recovery remain slim.

Author(s)/Creator(s): Rose Lindsay Finkenstaedt
In spite of a diminishing supply of public resources, many nonprofit housing developers are expanding their roles and their portfolios to address an increasing need for decent affordable housing. But as nonprofit housing organizations mature, the traditional project-by-project funding system fails to support their broader development goals. This paper stresses the urgent need for equity, or "organizational capital," to help nonprofit housing organizations build their capacity and their impact. Unlike conventional financing, organizational capital is underwritten against a borrower's balance sheet, or its organizational ability to repay. Whereas project-based loans are tied to one particular project, organizational loans can be a source of liquidity whenever an organization needs it: on the front end of a deal, for general business operations or during periods of organizational expansion. Despite its many advantages, there is an extremely limited supply of organizational capital in nonprofit affordable housing. This research outlines the practical challenges to organizational investing and uncovers the underlying barriers that have prevented a nonprofit organizational capital market from emerging. These findings lead us to explore nonprofit housing organizations in a "closed system" of standardized reporting and rational decision-making. The study concludes that while a new nonprofit reporting system would greatly encourage organizational investing in housing, the private markets alone will not bring organizational lending to scale. The final sections of the paper discuss the public policy implications of a closed nonprofit capital system and highlight some innovative approaches taken by lenders to overcome the obstacles of organizational investing and advance a new model of lending in nonprofit affordable housing.

Author(s)/Creator(s): Anne B. Gass
This report is a case study of a scalable replacement program for substandard housing, particularly pre-1976 manufactured housing, developed by Frontier Housing, a member of the NeighborWorks(R) Network based in Morehead, Kentucky. Frontier Housing's Manufactured Housing Done Right(TM) model offers a real opportunity to improve living conditions, reduce energy consumption and protect the environment. Decades of debate have not found a more cost-effective alternative for providing single family homeownership for low-income people living in the vast rural areas of the country.

Author(s)/Creator(s): Ivan Levi
The negative impacts of concentrated foreclosures have been destabilizing communities across the country. Community development corporations (CDCs) and other nonprofits that are active in these neighborhoods face falling property values, decreased lending activity and other consequences that are complicating their efforts at community revitalization through acquisition, rehabilitation and resale of vacant and foreclosed housing stock. Given the current crisis in the housing and credit markets, community development corporations aiming for neighborhood stabilization may wish to acquire foreclosed single-family properties and operate them as scattered-site rental units instead. This study presents the challenges that nonprofits pursuing such a plan are likely to face. It discusses the main management, financing and political issues associated with developing and operating scattered-site rental housing while providing a foundation upon which CDCs considering such activities can evaluate their capacity and willingness to meet the challenges. The paper explores how local market conditions, internal organizational capacity and the current policy environment affect nonprofit efforts to acquire, rehabilitate and rent foreclosed properties. The study includes operational and advocacy recommendations for improving the context in which scattered-site rental housing can be managed. The paper also considers the unique difficulties of the current situation and concludes that comprehensive revitalization efforts that emphasize cross-sectoral partnerships and enjoy strong local government support are most likely to exert a positive impact on a community.

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