Kingdom uniquely enables broad, community home ownership in New York City's affordable housing sector,

Traditionally out of reach to lower income families sustainable home ownership creates stable resilient communities, generating measurable real social outcomes.

What sets an HDFCs apart is the financial structure.

It works like this: Most HDFC buildings receive partial tax exemptions and subsidies to help keep operating costs and maintenance charges for shareholders to a minimum.

Buyers in HDFCs must meet strict income caps, either tied to the area median income (AMI) or a formula based on the apartment's utilities and maintenance fees. The AMI changes annually and is currently $145,800 for a three-person household. 

Importantly, HDFCs are primarily designed to act as affordable, long-term housing for families rather than investment properties.

By providing financial tools aligned with social goals, we are building an impact economy based on values of social purpose, societal concern, economic efficiency, and inclusive governance. Communities thrive when everyone contributes, making shared responsibility the foundation for building resilient, participatory, and scalable groups.

When members embrace shared responsibility, they move beyond passive engagement. They take initiative, support others, and create space for growth, care, and contribution, not because they are told to, but because it is their own.