Your Business operates five distinct housing programs, each built for a different person and a different home. Below, what each one is, who it's for, and how to apply when you're ready.
We build new energy-efficient single-family and small-multifamily homes on land we own in Beacon, Newburgh, Kingston, and New Paltz. Buyers are income-qualified at 80% AMI or below, purchase at 50% of regional median, and hold the home with a permanent affordability covenant.
Two to four homes per year, current waitlist roughly 18 months. Every home is solar-prepped, heat-pump heated, and built to a 60-year structural standard.
For Hudson Valley homeowners who can't afford the deferred maintenance on a home they've lived in for decades. We buy a partial equity stake, fund the repairs, and grant lifetime tenancy. The owner stays. The home goes into trust upon their estate transfer.
This is the program for a senior with a 1973 roof, a 1989 boiler, and a fixed income. Eight to twelve placements per year; the program absorbed Mr. Wilkins of New Paltz last spring.
When a small Hudson Valley apartment building (4 to 16 units) is about to flip to a private investor, we step in. We buy it into the trust, renew every existing tenant's lease at the same rent, and cap rent increases at CPI in perpetuity. The building stays affordable forever.
Three buildings to date, 47 units now in trust this way. The Wall Street, Kingston building added in 2025 was the largest yet.
Roughly 6 to 8 Your Business homes change hands each year as families move, downsize, or transfer to heirs. The trust exercises right-of-first-refusal at the formula price, then resells to the next income-qualified buyer on the waitlist.
Same affordability covenant, same 99-year ground lease, same Your Business counseling. Closing costs are ~$3,400, all-in.
Open to anyone in the Hudson Valley — not just Your Business applicants. Renée Diallo and her team are HUD-certified and offer foreclosure prevention, financial literacy, mortgage-readiness, and post-purchase support. Free, no income requirement, no Your Business enrollment required.
About 380 households served in FY25. The single most common outcome is preventing a tax-lien foreclosure.
Every Your Business program has an income ceiling tied to the regional Area Median Income (AMI). The numbers below reflect 2026 HUD-published figures for Dutchess + Ulster counties.
One form, all programs. Tell us your household, your income range, and what you're looking for. We respond within five business days with the program(s) you qualify for.
Free 90-minute session with Renée's team — review of finances, mortgage-readiness, identification of any pre-application work (credit repair, savings plan, debt resolution).
Income-qualification documented, you're added to the waitlist for the program you've chosen. You stay informed via quarterly check-ins; you can move between programs as availability shifts.
When a home is ready, we match it to the next family on the waitlist who fits the home's size and program. Closing happens within 60 days; you're given a Your Business buyer-counseling packet at signing.
The interest form takes ten minutes. Renée or her team will respond within a week. There is no cost, no obligation, and the form is the same one whether you end up in build, rehab, rent-trust, or counseling.