2022-2023 Annual Report

Sparking the power in ALL people to achieve equitable housing and financial security.

2022-2023 Annual Report July 1, 2022 - June 30, 2023

Dear Tenfold Friend, As our housing crisis becomes increasingly problematic, our team has adopted a collective goal to end housing instability for our neighbors. In this year’s annual report, you will see how our team is working to tackle this audacious goal through a variety of client stories, testimonials, and impact statistics.

Advocating for our most vulnerable neighbors Our most vulnerable neighbors struggle amidst our current housing shortage. They are forced to spend unsustainable portions of their monthly income on housing. At Tenfold, we are committed to playing a vital role in advocating for clients to address housing instability. This includes providing fair housing education to tenants so they know their rights when faced with an eviction notice, connecting unhoused individuals to shelter and necessities, supporting renters to become homeowners and so much more. Additionally, Tenfold advocates for changes and resources that will make affordable housing options more accessible throughout the communities we serve. As a result, this will give families more stability, reducing difficult trade-offs between necessities like housing, healthcare and food, offer children the opportunity to shift their focus from basic needs to education and learning, and provide businesses with housing solutions for their workforce so they can fill positions that are essential to their operations.

Cultivating new partnerships to align with our clients’ needs Our team is continuously looking at new ways we can fill in gaps and expand services to align with our clients’ needs. This often includes cultivating new partnerships so we can multiply our impact throughout the community. One example is how our York team revamped our York Rental Stability Network to include a new eviction prevention service through a partnership with the York Bar Association.

Collaborating as one team to identify new solutions In addition to new external partnerships, we are also strengthening the ways our team works together to identify new housing solutions.

One example is how our Supportive Housing team partnered with our Housing Rights and Resources Center team to launch a new Landlord Incentive program that expands opportunities for lowerincome tenants to access affordable rental units.

As always, I am honored and humbled to have the opportunity to lead this team, as we work to evolve to meet the needs of our most vulnerable neighbors. Thank you for your support and partnership, and I hope you enjoy reading more examples of our team’s passion and commitment to serving our clients, which unfolds in the following pages of this report.

Shelby Nauman, CEO

WHO WE SERVE: KEY DEMOGRAPHICS Race of our Clients Served

Ethnicity of our Clients Served

Income Levels of our Clients Served

NOTE: This information is based on data that was reported to us.

YOUR INVESTMENT IN ACTION

EMERGENCY HOUSING TLC: A safe space for our neighbors to unlock a new beginning

A Big Congrats to Jim While staying at TLC’s Veterans’ Victory House, Jim worked very hard to set himself up for success, securing sustainable employment and moving out into a new place to call home.

22 490

bednights of shelter were provided at TLC

Gary was 1 of

170

individuals experiencing homelessness, including 97 adults and 73 children, who were served at TLC

Meet Amira

Your support empowered Amira to obtain a CNA license, steady employment,and a stable home for her beautiful baby boy.

Read Amira’s Story

Watch Gary’s Video

TLC is Tenfold’s 52room shelter located in Lancaster City

PROGRAMS: TLC, Veterans’ Victory House, Family Emergency Shelter, Crisis Housing and Fee-based Temporary Shelter

SUPPORTIVE HOUSING PROGRAMS

1,941 Meet Jasmine

Your support gave Jasmine and her daughter a safe space upon reentry at Beth Shalom*.

She is working on long-term stability by getting a driver’s license, saving for a car, paying back fines and debt, enrolling in classes to become a medical assistant, and achieving steady employement.

total outreach services provided to those experiencing homelessness in our most vulnerable rural and urban areas of Lancaster County.

Read Jasmine’s Story *V. Ronald & Diane L. Smith Home for a New Start

“I’m writing you this with tears rolling down my face. . .My kids can finally have a place to call home again.”

~ Mom of four, connected to new home via CHART

678

CHART assessments

were completed by our CHART team to identify housing solutions for those experiencing or at risk of homelessness.

Walking alongside our neighbors who are experiencing or at risk of homelessness Every day, our Supportive Housing and Outreach team members walk alongside our Lancaster City and County neighbors who are experiencing homelessness or at risk of losing their home. They play a vital role as coaches and advocates, connecting individuals and families to resources they can use to break down barriers and overcome resistance as they navigate a challenging system and housing market.

PROGRAMS: Beth Shalom, Shelter to Independent Living, Mental Health Housing, Comprehensive Housing Assistance Program, Homeless Outreach, Community Homeless Assessment and Referral Team (CHART), Hearthside, Marketview Apartments, and Housing Location

LANDLORD/ TENANT RESOURCES “Marc and Tenfold have definitely made this less stressful knowing I have a team behind me.” ~ York mother navigating a landlord issue

Hosting Fair Housing events to elevate different perspectives The team hosted a variety of events to discuss the different protected classes, to elevate their perspective, and share insights on how we can work toward creating equitable housing, so all community members can thrive.

Events Page

2,989

Landlord/Tenant Guides distributed for gaining a better understanding of rental rights and responsibilities.

683

Housing providers and tenants reached through forums and workshops to facilitate a safe and stable rental experience for our neighbors.

Opening doors to equitable housing Our Housing Rights and Resources Center team is committed to empowering our neighbors with rental stability tools, knowledge and resources they can use to open doors to equitable housing.

Every day, they connect with and strengthen service to landlords and tenants so they can understand their rights and responsibilities, and unlock a positive rental experience.

PROGRAMS: Housing Rights and Resources Center, Housing Resource Advocates, Landlord/Tenant Mediation, Fair Housing Counseling, Landlord/Tenant Rights & Responsibilities Education, Community Rental Equity Fund, York Rental Stability Network, and Section 811 Voucher program

Ann B. Barshinger

FINANCIAL EMPOWERMENT CENTER

156

households began prepurchase counseling to prepare for homeownership.

1,239

households received counseling to access housing stability, financial security or prepare for homeownership.

Recognizing Judy McCloud For over 25 years, Miss Judy has served as our traveling educator, hosting a variety of financial empowerment classes at various sites throughout Lancaster County. Our team and class participants regularly describe Miss Judy as personable, friendly, relatable, and very informative.

Tools, knowledge and resources to achieve housing stability and financial security Our Financial Empowerment team is committed to empowering people to unlock opportunities to navigate a new path forward to housing stability, homeownership, and wealth-building activities through educational and counseling services. The team walks alongside clients to empower them with resources to develop a budget, grow their savings, repair credit, manage debt, and improve their financial health.

890

Workshop attendees took part in 139 workshops/classes

PROGRAMS:Beth Emergency Program, Eviction Prevention, Mortgage Foreclosure PROGRAMS: Shalom,Rental ShelterAssistance to Independent Living, Community Housing Solutions, Mental Health Prevention, Financial Education Education Class, Pre-purchase Housing, Comprehensive HousingWorkshops, Assistance Homebuyer Program, Homeless Outreach, CommunityHomebuyer Homeless Counseling,and Consumer and DebtHearthside, Management Program Counseling, Savings Assessment ReferralCredit Team (CHART), Marketview Apartments,and andMatch Housing Location

COMMUNITY INITIATIVES Multiplying our impact through collaboration with community partners

SoWe initiative continues to transform Southwest Lancaster

10

building exteriors renovated through the Facade Improvement program

1,000

Affordable Housing advocacy in action Shelby Nauman (CEO of Tenfold) and Kate Zimmerman serve as co-chairs of Tenfold’s Coalition for Sustainable Housing, which leads and participates in a variety of panel discussions and events to educate on affordable housing solutions.

Pictured above: Shelby and Kate joined community partners for a panel discussion on how basic needs such as food and housing are connected with health. During this time, they informed the audience on key issues, referenced existing resources that are available, and discussed how our community can collaborate on solutions.

Learn More

neighbors participated in SoWe events

300

neighbors received assistance through SoWe’s Community Connector

“I am grateful to SoWe for helping me replace my old furnace. I’m looking forward to enjoying a warm home this winter.” ~ Rose Smith, first recipient of SoWe’s Affordable Home Repair Program

PROGRAMS: Neighborhood Revitalization-SoWe initiative: Façade Program, Home Rehab/Home Repair Loans, Porch Lights, and Block Captain Program, and Advocacy through Lancaster Coalition for Sustainable Housing

TENFOLD COMMUNITY LENDING Our Tenfold Community Lending team is committed to multiplying homeownership opportunities, and increasing the supply of affordable housing by financing the development of new housing units.

40

$15,530

first-time homebuyer loans with total amount

$388,100

Total amount of low-interest home repair loans made in SoWe

PROGRAMS: Local Housing Investment Fund & Trust (LHIFT) to finance the development of new affordable units, and First-Time Homebuyer Down Payment/Closing Cost Assistance Program

Our York team is building new partnerships to strengthen service!

Our team continues to collaborate with community partners to empower people in York and Adams Counties to achieve housing stability.

The team offers the following services: ▶ Fair Housing guidance, resources, and mediation ▶ Homebuyer assistance and education ▶ Financial counseling ▶ Educational workshops Recently, we expanded our York Rental Stability Network to provide stronger support to renters facing eviction and housing insecurity. In 2021, this program began with Landlord Risk Mitigation funding as a cost-effective incentive for landlords in cases of excessive damages of tenants moving in and provided access to Pro Bono legal referrals for low-income families facing eviction. With the recent expansion, our goal for the next fiscal year is to lower move-in costs for 35 families and alleviate the cost of rental applications for 65 families.

Learn More

Watch to learn how Danny unlocked his path forward to homeownership by taking advantage of a variety of Tenfold services.

Danny’s Video

EXECUTIVE TEAM

Shelby Nauman

Bryan Eltman

Jake Thorsen

Chief Impact Officer

Wilfred Bentley

FY 2022-2023

BOARD OF DIRECTORS

Jeff Scheuren, Abby Tucker, Andrew Kehl, William (Smokey) Glover, Lisa Greener, Jason Hess, Jill Laskowitz, Christina Ortega, Elena Padilla, Randy Patterson, Stephanie Reese, Brian Roche, C. Douglas Umble

Chief Executive Officer

Controller

Chief Community Investment Officer

Ex officio board members: Ray D’Agostino, Justin Eby, Jess King

REVENUE

TENFOLD COMMUNITY LENDING TENFOLD TOTAL

Contributions*

1,964,433

0

1,964,433

30%

Government Grants & Contracts

2,954,846

285,129

3,239,976

49%

Non-governmental Contracts

299,657

0

299,657

5%

Rental

609,284

0

609,284

9%

Interest and Investment Earnings

56,554

95,046

151,600

2%

Program / Fees for Service

32,058

3,308

32,058

0%

Other

23,454

251,614

275,068

4%

Total

5,940,288

631,789

6,572,077

100%

Barshinger Financial Empowerment Center 1,540,002

0

1,540,002

27%

Homeless & Rental Counseling Services 1,600,482

0

1,600,482

28%

Community Development

401,285

0

401,285

7%

TLC & Residential Programs

798,822

0

798,822

14%

Lending

0

657,712

657,712

12%

Properties

339,058

0

339,058

6%

Fundraising & Communications

385,750

0

385,750

7%

Other

12,562

0

12,562

0%

less Depreciation

-115,706

0

-115,706

-2%

Total

4,962,255

657,712

5,619,966

100%

EXPENSES

Net Assets (6/30/23)

13,928,556

Administrative Expenses (2022-2023)** 1,140,650 Net Income

-188,540

* from individuals, churches, businesses, and foundations ** includes administrative support costs which were distributed across all of the organization’s departments.

Note: The report presented above is based on internal financial statements. Audited financial statements were not complete as of the date of the Annual Report publication.

WE ARE COACHES,

providing a supportive word or guiding hand to empower people to overcome homelessness, and gain skills to achieve housing stablility.

WE ARE EDUCATORS,

offering workshops and counseling services related to homeownership, budgeting, saving, improving credit, debt reduction, navigating landlord-tenant relationships, and more.

WE ARE LENDERS,

equipping first-time homebuyers with closing cost down payment assistance, and developers with funds to increase the supply of afforable housing units.

WE ARE ADVOCATES,

collaborating with key community partners to address critical housing issues and advance fair housing access for everyone.

Mission Spark the power in ALL people to achieve equitable housing and financial security.

Vision To be the trusted and innovative community partner building wealth and achieving quality, fair and affordable housing for all people, through proactive coaching, education, lending and advocacy.

308 East King Street PO Box 1676 Lancaster, PA 17608 717.397.5182 fax 717.399.4127 www.WeAreTenfold.org

HUD Approved Counseling Agency