B2R2O is a housing initiative that transitions renters into homeowners over a structured three-year period. The model is designed to be replicable, flexible, and centered around long-term community impact. Here's how it works:

Site Selection

We identify and acquire land sites in Collier County that are suitable for workforce housing. We prioritize parcels that are under- or undeveloped, within proximity to major employers, and meet key criteria such as zoning compatibility, flood safety, and affordability. Site partnerships are often formed with the Collier County Community Land Trust (CCCLT).

Flexible Funding

We raise project capital from area philanthropists through recoverable grants, zero- or low-interest loans, and other program-related investments. This capital structure, available exclusively to non-profits, enables repayment and recycling of funds into future projects.

Beneficiary Selection

Eligible participants apply for the B2R2O program. Applicants must be employed full-time in Collier County and meet income and credit requirements. Preference is given to essential service personnel and county employees. Selection is conducted in partnership with local employers.

Program Period

Beneficiaries sign a Rent to Own agreement and enter a 3-year rental period. Rent is set at 30% of gross income and includes a monthly contribution to a downpayment reserve. Participation in a financial literacy and homeownership readiness program is required.

Ownership Transition

At the end of the 3-year period, participants are offered the opportunity to purchase their home using their reserve funds, traditional mortgages, employer contributions, and/or public homebuyer assistance programs. Our goal is to make the path to ownership achievable and lasting.

Grant Recovery

As homes are sold, funds flow back into the project, allowing B2R2O to recover philanthropic grants and reinvest them in new developments. This sustainable model encourages continued donor engagement and long-term community benefit.