Human[Kind]dwellings

Dwellings: Launching Legacy, Inspiring Connection, living Dreams

Homeownership shouldn’t be a relic of the past - something our parents had access to, but we do not. If we want to preserve it, we must expand access to the tools that make it possible.

H[k]D helps you navigate this path. We assess your readiness, equip you with clear tactics to reach ownership, and, once you‘re in-community, provide a real-time snapshot of your savings and estimated timeline for transitioning from rent-to-own to full ownership. Then, you get a favorable interest rate for first-time buyers through a myriad of municipal and federal programs designed for people just like you.

Once you become an owner-resident, you’ll find yourself in good company, surrounded by peers who have walked this journey with you and now call you family. Many of you will raise children of similar ages. All of you will have each other’s backs in times of need.

It’s time to stop reminiscing about a lost era of neighborly kindness. Let’s create a new era - one where connection, support, and belonging turns housing into homes.

Essential Workers with an inability to save a downpayment are targets residents for our dwellings pr

Our Dwellings Product Targets Essential Workers

We will work with purpose-driven experts to limit these homes’s resident candidates so that the monied don’t snatch them away from those who they are intended for …

What Qualifies me?

Saving for your "down"

Our rent-to-own "dwellers" have many savings options, but life often gets in the way of your intentions to build. Take a moment to understand our savings and investment program.

Our Savings Program

Financial Readiness

We'll provide tools to improve both your Dwellings standing and your public credit score. We will also give you tips to get better. Your scores Improve to "stellar" over time, and you will have a new sense of freedom..

Building My Financial Strength

Mortgages

You'll be ready for a mortgage with just about anyone offering them by the time you're downpayment resources are locked in. Read about the programs we will point you to, when the time comes.

My Mortgage, My Choice

Human Kind Developments - buy where you live

Please reach us at info@humankinddevelopments.com if you cannot find an answer to your question. Trust: we have one.

Who is eligible for participation in H[k]D’s Dwelling Communities?

Those considered essential workers in meeting the communities needs in good and bad times is the short answer. The longer answer is nuanced:

We require that you are established in your career, within the community for a minimum of five (5) years, with the intention to stay. Reliability in a favorable trait in any long term relationship.
We will look at your credit and net worth, but we will not qualify your housing with that. We want to ensure that you understand your path (and length of time) to your owned home.
We will review anything in your background check that could create a concern for your longevity or impact on the broader community.
We will require a deposit for the repair of any damage to the unit in the event you move out before purchasing the home. Our terms for this deposit differ from a standard rental agreement. When you have reviewed the way our savings program works, these differences will be clear.
We will also ask you to make calls to your former landlords and employers to understand your residency history and behaviors ... your ability to operate within a group/team environment will be an important factor in your success in our communities.

I’ve never owned, what is an “HOA” and how does it impact my ownership experience?

HOA‘s (Homeowners Associations) are gonvernance structures that exist in Fractional/Shared ownership scenarios where changes to Common Areas, or One Dwelling affects the value and integrity of the complex. They also manage and maintain the account you pay. into every month that keeps the building at large, including the common spaces, beautiful and clean. Your monthly dues (paid separately from your mortgage) also protects your investment by ensuring all the scheduled maintenance is performed and current. Your HOA will be managed by elected owners and voting typically happens annually, to spread the responsibility. Every owned unit will cast a vote, and H[k]D will maintain voting rights for all the rent-to-own units. One vote will be provided to allow the rent-to-own residents a voice in the community. This ensures that the voice of ownership is heard from everyone, regardless of their status.

HOA's are not all created equal ... H[k]D will be creating the rules governing each buiilding during it's creation phase, and you will have plenty of time to consider the HOA's "Contracts, Covenants, and Restrictions (CCNR's) before you agree to our rent-to-own terms.

Who will my neighbors be/become?

H[kl]D is interested in meeting the needs of our members. At the same time communities benefit from diversity as well as its members feeling included. H[k}D will will not be biased in our acceptance of rent-to-owner's based on any protected class. We WILL be amenable to smaller communities where it can make sense to group by, for example, occupation: Nurses, FireFighters, Teachers, Grocery Clerks ... These are groups of essential workers that have members of all protected classes. Depending on the needs of our Portland Metro and our aims, it's possible we would want to create a cluster of Dwellings that are occupied solely by nurses, or teachers. We want to create the best balance in our resident-profiles across all protected classes, and for each of our Dwellings' footprints.

This process can take as much or more than 10 years .. What if my life twists and turns?

We have so many answers to this question, but for the purposes of clarity: See our information that describes how we manage your downpayment savings account if your fortunes shifts or changees.

Tactically, the most obvious concern is related to family composition and growing into a larger family-cohort. What happens if I start out single and in a studio unit, but get married .. then have a child(ren)? H[k]D will confirm our transition plans for use-cases like this before we sign your rent-to-own agreement. The goal is to preserve and continue to grow 100% of the value within your downpayment savings account, even when it's time to meet your changing needs for more space.