Hearth & Ethos is redefining affordable housing—where nonprofit ownership, private capital, and long-term community investment work together.

In partnership with Bear Impact Fund, we’ve built a model that uses private debt to scale housing access—efficiently, ethically, and at a meaningful pace.

How It Works:

• Bear Impact Fund provides mission-aligned private debt to Hearth & Ethos.

• Hearth & Ethos uses that capital to acquire, renovate, and own single-family homes in underserved communities.

• As a nonprofit, we benefit from property tax exemption and long-term affordability protections—keeping costs low and impact high.

• Cash flow from rental income is reinvested into acquiring additional homes and expanding our wraparound social programs that support economic mobility.

This is more than affordable housing—it’s a regenerative, community-first model backed by scalable investment.