One Roof Community Housing
One Roof Community Housing is a Duluth, Minnesota 501(c)(3) nonprofit operating Minnesota's largest Community Land Trust, providing permanently affordable homeownership, homebuyer education, down payment assistance, home repair loans, tenant-landlord mediation, and multifamily affordable housing for low-to-moderate income households across the Twin Ports region.
- Company typePrivate
- Founded2012
- HeadquartersDuluth, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What One Roof Community Housing does
One Roof Community Housing is a Duluth, Minnesota-based 501(c)(3) nonprofit founded in 2012 that operates as the largest Community Land Trust (CLT) in Minnesota. It delivers a vertically integrated affordable housing platform spanning homebuyer education and counseling, down payment assistance lending, single-family CLT stewardship, multifamily affordable rental development, and tenant-landlord mediation. Its core technology is the Community Land Trust model: One Roof retains ownership of the land under each home, sells the structure to income-qualified buyers at 20–30% below market, and applies a resale formula that returns homeowners their paid-down mortgage plus 25% of market appreciation while recycling 75% to the next affordable buyer. A $38/month land lease funds stewardship. The organization stewarded 385 permanently affordable homes and has served 640 households cumulatively, recycling $25M+ through 260+ resales.
The portfolio also includes complementary financial products (Purchase Assistance Loan at 5.5%+ interest capped at $40,000 or 18% of purchase price; the Impact Down Payment Assistance Program providing ~$20,000 0% interest forgivable loans funded by Minnesota Housing), education services (Home Stretch 8-hour workshops, Framework online course at $75, free one-on-one counseling), and Repair & Remodel Loans for low-to-moderate income owners. A wholly owned social-enterprise subsidiary, Common Ground Construction, handles CLT rehabs and private remodeling. Multifamily holdings include Brewery Creek (52 units, including 26 for youth experiencing homelessness), Decker Dwellings (42 units), Gateway Tower (150 units, co-developed with Center City Housing), Steve O'Neil (50 units), Duluth Veterans Place (16 units), Plover Place (24 units), and Four Direction Dwellings (16 units).
Revenue mechanics combine donations/grants, loan interest income on PALs and Repair & Remodel Loans, nominal workshop and course fees, land lease payments, and construction revenue from Common Ground. GTM is community-led and direct-to-consumer, distributed through the Duluth headquarters, virtual workshops, online applications, community events (Homebuyer Fairs, Annual Member Meeting), and a referral network comprising seven participating mortgage lenders, multiple supportive-housing co-developers (CHUM, MACV, Salvation Army, Life House, Human Development Center), Essentia Health, the Duluth YMCA, and the NeighborWorks and Grounded Solutions Networks. Geographic reach spans the Twin Ports and St. Louis, Lake, Cook, Carlton counties; pipeline includes Brae View (72 senior units + child care center, groundbreaking 2026) and Faith Haven (123-unit senior rehabilitation, $10M+ Minnesota Housing award).
One Roof Community Housing firmographics
Firmographics- Name
- One Roof Community Housing
- Legal name
- One Roof Community Housing
- Website
- https://1roofhousing.org
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- One Roof Community Housing is a Duluth, Minnesota 501(c)(3) nonprofit operating Minnesota's largest Community Land Trust, providing permanently affordable homeownership, homebuyer education, down payment assistance, home repair loans, tenant-landlord mediation, and multifamily affordable housing for low-to-moderate income households across the Twin Ports region.
- Ownership category
- akta.pro rank
One Roof Community Housing industry classification
Industry- Product category
- Affordable Housing Services
- NAICS
- Residential Property Managers (531311), Lessors of Residential Buildings and Dwellings (53111), Other Community Housing Services (624229)
- SIC
- Real Estate Agents & Managers (For Others) (6531), Operators Of Apartment Buildings (6513)
- akta.pro primary industry
- Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)
- akta.pro secondary industries
- Affordable Housing Property Management (BPAJAGAJ), Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD)
Keywords
Where One Roof Community Housing is headquartered
LocationHeadquarters
- HQ city
- Duluth
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
One Roof Community Housing business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Supply Chain, Marketing or Sales, Infrastructure, Others
Revenue model
- Donations and Charitable Contributions: One Roof is a 501(c)(3) nonprofit organization that relies on charitable donations from individuals, businesses, and foundations to support operations and expand programs. The organization runs annual fundraising campaigns and accepts various gift types including securities, bequests, and estate planning vehicles.
- Purchase Assistance Loan (PAL) Program: Provides down payment assistance loans to qualified homebuyers with minimum 5.5% interest rates. Loans can reach up to 18% of purchase price or $40,000, whichever is lower. Generates interest income while helping buyers avoid private mortgage insurance.
- Repair & Remodel Loans: Offers affordable home improvement loans to homeowners in Duluth, Superior, and surrounding areas at various income levels. Multi-family rental properties (owner-occupied) are also eligible. Generates loan interest income.
- Application and Processing Fees: Charges nominal fees for Home Stretch workshops ($40 standard, currently free due to community support) and Framework online course ($75). Homebuyer counseling is provided free of charge.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | One time | Home Stretch Workshop - Free (standard $40) |
| One time/ perpetual license | One time | Framework Online Course - $75 |
| Subscription | Monthly | Land Lease Fee - $38/month |
| Other | Monthly | Purchase Assistance Loan (PAL) - 5.5%+ interest |
| Other | Multi-year contract | Impact Down Payment Assistance - ~$20,000 at 0% interest |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
One Roof Community Housing product offering
Product offeringCore offering
One Roof Community Housing operates the largest Community Land Trust (CLT) in Minnesota, selling homes to low- and moderate-income buyers at 20-30% below market rate while retaining ownership of the underlying land and leasing it to homeowners at $38/month. The organization supplements the CLT program with Purchase Assistance Loans, an Impact Down Payment Assistance Program (~$20,000 at 0% interest, forgivable after 20 years), Homebuyer Education workshops, one-on-one housing counseling, Repair & Remodel Loans, Tenant Landlord Connection (TLC) mediation services, and multifamily affordable housing development through Common Ground Construction subsidiary.
Product overview
One Roof Community Housing is a nonprofit organization offering a comprehensive portfolio of housing-related products and services focused on affordable homeownership and rental housing in the Duluth, Minnesota area. The organization operates primarily through its Community Land Trust (CLT) Program, which is the core product that enables lower-income households to purchase homes at below-market prices while the organization retains land ownership under a leasehold agreement. Supporting the CLT are complementary financial products including the Purchase Assistance Loan (PAL) Program and Impact Down Payment Assistance Program that help bridge financing gaps. Education and counseling services including Home Stretch Workshops, One-on-One Counseling, and Framework Online Education prepare aspiring homebuyers for successful homeownership. For existing homeowners, Repair & Remodel Loans and a Tool Lending Library support home maintenance and improvement. The organization also operates the Tenant Landlord Connection (TLC) for rental dispute mediation and education, and develops multifamily housing properties including Brewery Creek, Decker Dwellings, Four Direction Dwellings, and manages additional properties like Gateway Tower, Steve O'Neil Apartments, and Duluth Veterans Place. Stewardship and Resale Services provide ongoing support to CLT homeowners throughout the homeownership lifecycle.
Differentiator
Problem solved
Functional benefit
Brands
- Common Ground Construction: Social enterprise construction company subsidiary that performs construction and rehabilitation work for Community Land Trust homes and private remodeling projects.
- Tenant Landlord Connection (TLC)
- Purchase Assistance Loan (PAL)
- Impact Down Payment Assistance Program
Products and services
- Community Land Trust (CLT) Program A homeownership program that allows lower-income buyers to purchase homes at 20-30% below market rate while One Roof retains ownership of the land under a leasehold agreement. Homes remain permanently affordable through a resale formula that shares equity gains with future buyers. Buyers lease land at $38/month.
- Purchase Assistance Loan (PAL) Program A down payment loan program that helps qualified homebuyers finance their down payment on a conventional mortgage with an affordable monthly payment, serving as an alternative to private mortgage insurance (PMI) with as little as 2% down. Minimum 5.5% interest rate; maximum 18% of purchase price or $40,000, whichever is lower.
- Impact Down Payment Assistance Program A 0% interest forgivable loan program funded by Minnesota Housing providing approximately $20,000 to income-qualified buyers for upfront home purchase costs, forgivable after 20 years.
- Home Stretch Workshop A comprehensive 8-hour homebuyer education workshop covering the entire home buying process including credit, mortgages, loan closing, and local assistance programs. Currently offered free of charge.
- One-on-One Counseling FREE private and confidential professional housing counseling to help aspiring homebuyers determine affordability, develop budgets, address credit issues, and create customized action plans for homeownership.
- Framework Online Education A comprehensive online homebuyer education course designed by experts in online learning, self-paced and accessible across devices. Registration fee is $75. Meets many lender requirements for homebuyer education.
- Repair & Remodel Loans Affordable loan programs for home improvements available to homeowners in Duluth, Superior, and surrounding areas at virtually any income level. Multi-family rental properties are also eligible if owner-occupied.
- Tenant Landlord Connection (TLC) Education, information, and mediation services to improve tenant-landlord relations and decrease housing evictions. Includes Ready-to-Rent workshops for tenants and Landlord workshops on fair housing laws.
- Tool Lending Library A free community tool lending program open to all local residents. Tools can be checked out for up to one week like a traditional library, supporting home improvement and repair projects.
- Stewardship Services Ongoing support for CLT homeowners including financial guidance, property maintenance monitoring, resale assistance, and enforcing program requirements to protect both homeowner investment and community affordability.
- Resale Services Assistance for homeowners selling their CLT home using the resale formula that preserves affordability. Homeowners receive their paid-down mortgage equity plus 25% of market appreciation.
- Common Ground Construction Social enterprise construction company subsidiary of One Roof Community Housing that rehabilitates Community Land Trust homes and performs private remodeling work.
Quantifiable outcome
- 36 families achieved CLT homeownership in 2025 (tied for all-time record)
- +5 more outcomes
Companies that use One Roof Community Housing
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles3 records
One Roof Community Housing technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
One Roof Community Housing partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core and minor.
- Essentia HealthcorePartnership for Brae View development - an innovative 72-unit affordable senior housing project combined with ground-floor child care center. Essentia Health is providing support for this intergenerational housing initiative.
- Duluth YMCAcorePartnership for Brae View development - the YMCA will operate the child care center component serving over 100 children within the mixed-use senior housing development.
- Frerichs ConstructioncoreGeneral contractor for multiple One Roof housing developments including Brewery Creek (began April 2023) and Decker Dwellings (began September 2020). Performs new construction and rehabilitation work on CLT homes and multifamily projects.
- Center City HousingcoreDevelopment partner for Gateway Tower Apartments (150 units of revitalized affordable housing in downtown Duluth) and Steve O'Neil Apartments (50 units for families experiencing homelessness).
- CHUM (Churches United in Ministry)coreDevelopment partner for Steve O'Neil Apartments - 50 units of permanent supportive housing for families with children that have experienced homelessness.
- Minnesota Assistance Council for Veterans (MACV)coreDevelopment partner for Duluth Veterans Place - 16 units of transitional and permanent supportive housing for veterans experiencing homelessness.
- Salvation ArmycoreDevelopment partner for Plover Place - 24 units of permanent supportive housing for individuals who have experienced homelessness. Also involved in Steve O'Neil development.
- Human Development Center (HDC)coreDevelopment partner for multiple projects including Decker Dwellings (42 units), Brewery Creek Apartments (52 units), Gateway Tower Apartments, and Steve O'Neil Apartments. HDC provides services for residents with disabilities and mental health needs.
- Life HousecorePartnership for youth housing including Sol House (5 units for sexually exploited teens) and Brewery Creek (26 units for youth experiencing homelessness). Life House provides services and referrals for youth housing programs.
- North Shore MortgagecoreParticipating lender for CLT program. Works with homebuyers to provide mortgage financing for Community Land Trust home purchases. Contact: [email protected], (218) 733-5549.
- MN Chippewa Tribe Finance CorporationcoreParticipating lender offering mortgage financing for CLT home purchases, with services available through the MN Chippewa Tribe. Contact: Michael Northbird, (218) 335-8582 ext. 150.
- U.S. BankcoreParticipating lender for CLT program. Contact: Tim Fischer (218) 260-7707 or Heather Burns-Myhre (507) 250-1662.
- Old National BankcoreParticipating lender for CLT program. Contact: Cynthia Theisen, (612) 819-4753.
- Summit MortgagecoreParticipating lender for CLT program. Contacts: Sarah Zahler (763) 370-6785, Sheri Johnson (218) 393-3576.
- Bell BankcoreParticipating lender for CLT program. Contact: Mark Anunti, (218) 310-3493.
- Woodland Bank (Grand Rapids)coreParticipating lender for CLT program. Contact: Chris Henrichsen, (218) 999-0590.
- Solar United NeighborsminorNonprofit partner helping organize solar co-ops. Since 2021, has assisted 24 One Roof CLT homeowners with solar panel installations through group buy programs.
- MN Interfaith Power & LightminorAdvocate for energy justice and solutions. Partner in helping CLT homeowners access air source heat pumps and energy efficiency improvements.
- Arrowhead Economic Opportunity Agency (AEOA)coreProvides weatherization services for income-eligible residents of Lake, Cook, and St. Louis counties. Partners with One Roof to help CLT homeowners access energy efficiency programs.
- NeighborWorks AmericacoreNational network of housing and community development organizations. One Roof is an affiliate member, gaining access to resources, best practices, training, and credibility in the affordable housing sector.
- Grounded Solutions NetworkminorNational network supporting community land trusts. One Roof participates in this network to learn from other CLTs nationwide and share best practices for permanent affordable homeownership.
Scale indicators15 records
Recent moves6 records
Expansion highlights6 records
One Roof Community Housing competitors and assessment
Company assessmentDirect peers
- CommonBond Communities: Twin Cities-based nonprofit developer and operator of affordable rental housing serving low-income individuals and families. Comparable scope (development plus resident services), NeighborWorks affiliation, and Minnesota footprint.
- Aeon: Minneapolis-based nonprofit that develops, owns, and manages affordable housing across the Twin Cities metro. Comparable multifamily affordable-housing development model with supportive housing services.
- Homestead Community Land Trust (formerly Champlin Housing Trust): Operates the largest Community Land Trust in the Twin Cities, Minnesota, using an identical CLT model with a resale formula to maintain permanent affordability. Most directly comparable Minnesota CLT peer in scale, structure, and mission.
- Project for Pride in Living (PPL): Minneapolis-based nonprofit providing affordable housing along with homeownership education, financial coaching, and down payment assistance—mirroring One Roof's combined housing-counseling-plus-realty model.
- Beacon Interfaith Housing Collaborative: Minnesota-based nonprofit operating permanent supportive housing for families and individuals experiencing homelessness. Direct partnership-level overlap with One Roof on Brewery Creek and similar supportive housing projects.
- Center City Housing Corp. Duluth-based nonprofit affordable housing developer that co-developed Gateway Tower (150 units) and Steve O'Neil Apartments with One Roof. Operates in the same geographic market with comparable multifamily rental focus.
- Simpson Housing Services: Minneapolis-based nonprofit providing emergency shelter, transitional housing, and affordable rental housing with wraparound services—overlapping with One Roof's Tenant Landlord Connection and affordable rental development activities.
Others
- LISC Twin Cities: Local office of a national CDFI providing financing and capacity-building for affordable housing and community development nonprofits in Minnesota. Comparable ecosystem participant and potential funding partner.
- Grounded Solutions Network: National membership network supporting community land trusts and shared-equity homeownership programs. One Roof is a member; functions as an industry association/enabler rather than a direct competitor.
Broad incumbents
- NeighborWorks America: National network of 250+ affordable housing and community development nonprofits; One Roof is an affiliate. Provides the umbrella standard, training, and funding umbrella that One Roof's model fits within.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
One Roof Community Housing social profiles
Digital presenceOne Roof Community Housing compliance and trust
Trust signalCompliance4 records
One Roof Community Housing financial estimates
Financial estimateRevenue estimate
Valuation estimate
One Roof Community Housing leadership team
Management profileNumber of profiles
Profiles14 records
One Roof Community Housing subsidiaries and ownership
Company hierarchySubsidiaries1 record
One Roof Community Housing funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
One Roof Community Housing M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about One Roof Community Housing
What does One Roof Community Housing do?
One Roof Community Housing operates the largest Community Land Trust (CLT) in Minnesota, selling homes to low- and moderate-income buyers at 20-30% below market rate while retaining ownership of the underlying land and leasing it to homeowners at $38/month. The organization supplements the CLT program with Purchase Assistance Loans, an Impact Down Payment Assistance Program (~$20,000 at 0% interest, forgivable after 20 years), Homebuyer Education workshops, one-on-one housing counseling, Repair & Remodel Loans, Tenant Landlord Connection (TLC) mediation services, and multifamily affordable housing development through Common Ground Construction subsidiary.
Is One Roof Community Housing a public or private company?
One Roof Community Housing is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was One Roof Community Housing founded?
One Roof Community Housing was founded in 2012. It employs 11 to 50 people.
Where is One Roof Community Housing based?
One Roof Community Housing is headquartered in Duluth, United States, in the North America region.
How does One Roof Community Housing make money?
Four revenue lines are on record. Donations and Charitable Contributions are the primary driver. The others are purchase Assistance Loan (PAL) Program, repair & Remodel Loans and application and Processing Fees.
Who are One Roof Community Housing's main competitors?
Direct peers on record are CommonBond Communities, Aeon, Homestead Community Land Trust (formerly Champlin Housing Trust), Project for Pride in Living (PPL), Beacon Interfaith Housing Collaborative, Center City Housing Corp. and Simpson Housing Services. Others are LISC Twin Cities and Grounded Solutions Network. NeighborWorks America is listed as a broad incumbent.
Does One Roof Community Housing have an API?
No public API is recorded for One Roof Community Housing.
What industry is One Roof Community Housing in?
One Roof Community Housing's product category is Affordable Housing Services. Its primary akta.pro industry code is BPAGALAC, Affordable Housing & Community Development (Housing, Community Land Trusts), with a secondary code of BPAJAGAJ, Affordable Housing Property Management. Its NAICS code is 531311 and its SIC code is 6531.