Our approach uses modular construction to create high-quality, energy-efficient homes that are quick to assemble and install. By leveraging shelter allowance funding and innovative partnerships with financial institutions, we can build homes without the need for additional government subsidies or grants, making our solution more sustainable and scalable.

Our housing solutions are primarily designed to benefit underserved communities in Canada, particularly Indigenous communities that face significant challenges related to overcrowding, unsafe housing, and lack of affordable options. Our homes provide a dignified, quality living environment for singles, families, and elders.

Our Row Housing concept involves single-story studio triplexes or two-bedroom duplex units designed for quick installation and village-style living. Each row home is built to be stylish, cost-effective, and adaptable to the needs of different communities. The design also includes the potential for solar panel installations, making the homes environmentally sustainable.

We leverage the shelter allowance provided through government income assistance programs as a consistent source of rental income. This allows us to secure financing from financial institutions like the Bank of Montreal, Vancity and the Royal Bank of Canada, which has provided preliminary term sheets for these projects. We are also exploring additional financing partnerships to expand our impact.

Shelter Rate Revenue vs. Mortgage Cost Feasibility

To finance the purchase and installation of the three-row housing units (eight units total), we propose utilizing a commercial loan structure based on secured monthly shelter-rate revenues, following the preliminary financing terms offered by BMO.

Project Total:

(3) Row Housing Units ........................................... $705,400.00

(two studio models and one two-bedroom model for a total of 8 units of housing)

Transportation and Installation (budgetary) ........... $90,500.00

Total Estimated Project Cost: $795,900 (before taxes)

Financing Assumptions:

• Loan Amount: $795,900

• Interest Rate: 5.0% (fixed)

• Amortization Term: 30 years

• Estimated Monthly Loan Payment: $4,273

Revenue Generation (Shelter Rates):

• 6 Studio Units: 6 × $500/month = $3,000/month

• 2 Two-Bedroom Units: 2 × $695/month = $1,390/month

Total Monthly Rental Revenue:

$4,390/month

Analysis:

• Total shelter-rate rental revenue of $4,390/month compared to the monthly mortgage payment of $4,273/month.

• Surplus: Approximately $117/month available for contingencies, minor maintenance reserves, or operational support.

Conclusion:

With the corrected shelter rates, this row housing project would generate more than enough rental revenue to fully cover mortgage costs, creating a secure and grant-free path to new housing. This sustainable financing model ensures community ownership and flexibility for future land development.

We welcome partnerships with Indigenous communities, financial institutions, government bodies, and other organizations that are committed to affordable housing development. Please reach out to us through our contact page to discuss how we can work together to bring housing solutions to those who need them.

Our modular construction process is designed to deliver homes much faster than traditional construction methods. Once financing is in place and the land is prepared, homes can be built and installed in a matter of weeks. This rapid timeline helps meet the urgent housing needs of communities.

Yes, all of our modular homes meet or exceed the same building codes and standards as traditional site-built homes. In fact, we can build to LEED and Passive House standards, ensuring the highest levels of energy efficiency and sustainability.

You can support us by donating, partnering with us, or spreading the word about our mission. Your contributions help us continue building sustainable, affordable housing for underserved communities across Canada. Visit our “Donate” page for more information.