Thanks to a USDA Rural Development loan and financial assistance from the City of St. Helena and Napa County, eight income-qualified families are helping build their own homes at 684 McCorkle Street. This is a self-help housing program; the homeowners are responsible for 65% of the work building their homes.
Pope Street Workforce Village
OTSH began working on another project in 2019: OTSH purchased the property at 963 Pope St. using a Charitable Sale strategy. We have a lovely home that we rented to an income-qualified single mom, and there’s room to add 3-4 rental units in the area behind the home.
A USDA Rural Development
Mutual Self-Help Project
A Mutual Self-Help Housing Program sponsored by USDA Rural Development
Brenkle Court is named in honor of Father John Brenkle, retired pastor of St. Helena Catholic Church and a longtime housing advocate in the Napa Valley.
The mutual self-help program provides home ownership opportunities for low-income working families who might otherwise be unable to qualify for financing. Interested families provide details on income, expenses, debt, savings and other details to determine if they meet the criteria. After a rigorous qualification process, those chosen to participate have agreed to devote 35 hours of labor per family/week until the completion of all Brenkle Court homes. Everyone moves in at the same time.
A professional construction manager handles budget, orders materials, schedules professional subcontractors, instructs applicants in construction skills and oversees the program to assure all of the homes are built to approved specifications.
Education is an important part of the Mutual Self-Help Program
Home ownership education is a critical part of the Mutual Self-Help Program and includes important information on money management, banking, budgeting, the proper use of credit, real-estate terminology, home safety, preventing identity theft, basic home maintenance and being a good neighbor.
USDA Rural Development provided the low-interest mortgages for the homeowners
Additional financial support for the project comes from the City of St. Helena, who donated the land and waived development fees, and the County of Napa. Rural Community Assistance Corporation is providing technical support and financing.
Our Town St. Helena has technical assistance funds to build eleven more townhomes and is looking for land in St. Helena on which to develop the second phase of the project.
Please contact us at firstname.lastname@example.org if you know of potential properties, would like to make a donation, donate tools or equipment or get involved with Our Town St. Helena.
Brenkle Court is expected to be completed in spring 2021.
963 Pope Street
We employed a Charitable Sale Strategy
OTSH purchased the property at
963 Pope St. in fall 2019
In addition to the 2-bedroom/1-bath house on the 1/3-acre site, there’s room to add 4 rental units in the area behind the home. By the end of 2019, we rented the home to an income-qualified single mother and selected an architect who has experience designing low-income housing.
We deployed a Charitable Sale strategy to purchase this home
By employing a Charitable Sale strategy, which includes significant reductions in capital gains and income tax, the seller came out ahead and Our Town St. Helena was able to purchase the property at a deep discount.
Once constructed, all units will be available for individuals, families and seniors making between approximately $40,000 to $100,000 annual income. Our Town St. Helena will own and manage the rental units long term. Low- to moderate-income families will live in a small “workforce village”.