Philadelphia Healthy Row House Project
In 2015 Philadelphia Healthy Row House Project initiative engaged Capital Access to provide research and program design of a service delivery model for a redesigned City-wide homeowner repair program. Funded by Barra and Oak Foundations and lead by May 8 Consulting and Bolender Architects, Capital Access provided a home repair service delivery model that will help Philadelphia preserve thousands of existing homes through targeted financing and home repair support.
Recent data and pilot programs demonstrate a clear link between housing conditions and household health. The Healthy Row House Project challenge was to develop a private sector home repair loan program that leverages existing City infrastructure and programs to support improved housing and health outcomes. The program is designed to target low-to-moderate income households unable to secure a standard home equity line of credit so that they can realize critical home repairs that improve the overall household health conditions and further minimize healthcare costs.
Capital Access worked with a team of multi-sector partners to assess the existing capacity of home repair providers and programs in the City. We developed a business model that can bring home repair to scale by targeting limited repairs that impact household health concerns and critical life safety needs. The program provides a cost effective solution to assist homeowners where they often face challenges with securing financing and overseeing repairs. In addition to providing greater financial stability and health improvement for households, the program can also help Philadelphia preserve affordable housing stock before it becomes more costly to repair or manage.
Our assistance in policies, procedures, process maps, operation budgets and program design options helped the Healthy Row House Project develop critical tools and systems to prepare for implementation. In October 2017 Philadelphia City Council proposed $40 million of City bond funds to support loan origination for this initiative.