Housing Development & Rentals

The main purpose of the Housing Development Program is to assist low-income people in their efforts to have safe, decent, and affordable housing. There are several programs working towards this common goal. They include CAPNCM's Housing Development Program, the Weatherization Program, Home Repair Program, and the Rental Rehabilitation Program.

Housing Development

The agency works in partnership with the State and community sources of information to assess the nine county North Central Missouri’s greatest needs. Typically, sources of information may include census data, area or community surveys, and statistical information collected by schools and other service agencies. Data is used as an indicator and may dictate the best place to construct a home. Market needs, funding sources, site availability, and construction demands determine the ultimate outcome of new home projects.

Assistance to individuals may simply include consultations enabling them to secure the best home at an affordable cost; or it may involve the agency becoming the building/homeowner providing an affordable rental home to persons in need of housing.

Community Action Partnership of North Central Missouri has been designated as a “CHDO”, Community Housing Development Organization, by Missouri Housing Development Commission.  This designation is one of only 21 given to agencies in Missouri and CAPNCM is one of the few CHDO’s who remain active in developing affordable housing. 

Funding for homes and apartments consists of grants, loans, and investments secured from the Missouri Housing Development Commission (MHDC) and other sources as available. Current projects funded and under development or those completed provide housing for 115 families. Housing consists of 50 apartments, 65 single-family homes.
Rental Housing Application | Rental Application Checklist

Home Repair

The goal of the Home Repair Program is to help preserve some of our older housing stock. The program also assists families to remain in their homes for a greater number of years.

Funding is provided through a competitive grant process from Missouri Housing Development Commission (MHDC).

Applications are taken through the CAPNCM Service Center for the area in which the grant is awarded. All applicants must own their own home and be at or below 80% of the median income (this falls under the low-income guidelines). Qualified applicants are served by the date of the receipt of application.  Preference is given to senior citizens, disabled homeowners, families of veterans, and the very- low income (at or below 50% of the area median income).

After the selection is made, the home is inspected. Items checked are structural items, home systems, lead painted surfaces, accessibility, and any item that prevents the home from being decent, safe, and sanitary.

After work is completed, a final inspection is made on the home. The inspector checks for quality of work, presence of lead paint, and ability to meet Universal Building Code Standards. The home can then be reported to the funding source as completed.

HeRO Program Description | Application Checklist | Printable Application

Rental Rehab

The purpose of the Rental Rehabilitation Program is to provide good, safe, decent, and sanitary rental housing to very low-income clients.

The Missouri Housing Development Commission (MHDC) provides the funding to buy and rehabilitate the homes. During rehabilitation work, all major items are addressed including roofs, heating and cooling systems, water heaters, electrical wiring, and any interior and exterior work needing repairs. A new stove and refrigerator is also purchased.

MHDC has a Deed of Trust on each home and homes are available only to very low-income clients for a period from 20 to 35 years. After that time, CAPNCM becomes the sole owner of the home.  The home can then remain as a rental unit, be sold to the lessee, or be sold to a community member.  Proceeds of the sale go to development of future low income housing programs.  

To date, CAPNCM has bought and rehabilitated eleven (11) homes.