Cultivate, Inc.

02/26/2026

This is a HUGE step forward… breaking down unnecessary barriers to more affordable homeownership pathways. We’re so proud to be at the table with SquareOne!

Big milestone 🎉 Today we signed the papers to close on the first-ever LIFT loan for a housing co-op! Together with the construction loan from our partners at Summit Bank, this unlocked $10.3 million in financing to build 52 permanently affordable, resident-owned homes at Rosa Village in Eugene. 🏡🏡💚🏡🏡

And it came just in time. Site work began in late December, and the first foundation is on schedule to be poured next week. With financing complete, we're on track to keep rolling through construction and reach occupancy by early 2027.

This achievement was years in the making. It represents a breakthrough moment, not just for Rosa Village, but for expanding pathways to affordable homeownership in Lane County and throughout Oregon — particularly for households who face barriers to accessing traditional single-family homeownership.

Oregon’s LIFT (Local Innovation and Fast Track) program is the state’s primary funding source for new construction affordable housing. It uses General Obligation bonds to finance no-interest, forgivable loans when long-term affordability benchmarks are met.

After years of advocacy, LIFT Homeownership was restructured to be compatible with housing cooperatives, and in June 2025, Rosa Village was selected to receive a funding reservation. Over the past several months, our team has worked diligently to finalize the legal framework necessary to execute this first-of-its-kind loan.

The result: a replicable pathway for building permanently affordable housing co-ops throughout Oregon!

02/04/2026

Our work inspired one aspiring developer to start their own project! We're thrilled to be supporting them as they begin developing four cottage-cluster homes in Eugene’s Amazon neighborhood. Each cottage will be on its own middle housing lot, and thus offer a new, smaller home to own in this celebrated neighborhood. We’re excited to support the delivery of more diverse housing options in these inner walkable neighborhoods.

01/26/2026

Big milestone for the Ecoflats in Amsterdam, NY! 🎉 In collaboration with Black Mountain Architecture, we’re Passive House certifying 168 workforce-affordable apartments. All 13 buildings have officially earned PHIUS design certification.

A strong example of what’s possible when affordability, performance, and thoughtful design align.

01/20/2026

As we look ahead to new collaborations with Square One Villages — Rosa Village (in permitting) and Our Village (in design) — we want to take a moment to look back and celebrate Peace Village.

This 70-unit permanently affordable co-op is now entering its second year of operation. Seeing residents thrive here is a reminder of the impact of thoughtful, community-driven housing. We’re grateful to continue partnering with the inspiring team at Square One Villages to expand affordable housing opportunities.

01/12/2026

🏡 Curious what “middle housing” really means? Our short article, Why Middle Housing Matters, on our website, says it all.
One of our core values is expanding affordable homeownership—while caring for our climate and our communities. We unpack the rocky history of American housing, how we became so car-dependent, and why middle housing can help shift things for the better.
Check out the full article here: https://cultivateinc.com/why-middle-housing-matters

01/05/2026

Happy New Year from Cultivate!
We’re kicking off the year with a new project on our site: Our Village, our latest collaboration with SquareOne Villages, featuring a broader mix of homes — from studio flats to three-bedroom townhomes.

Because affordable homes are needed for all shapes and sizes of families, we’re working to offer a range of options--all of which support long-term, community-centered housing. Read more on our page: https://cultivateinc.com/our-village-cooperative/

11/17/2025

Exciting news: Rosa Village Co-op construction is officially breaking ground! 🪏🏗️ This Square One Villages project will bring 52 permanently affordable homes to new residents — a mix of one- and two-bedroom flats & townhomes.

The site will feature a common house with laundry and gathering space, plus plenty of greenspace for walking, gardening, and connecting.

We’re proud to collaborate with Square One Villages and Aligned Architecture on this community-focused project. Stay tuned for updates as Rosa Village comes to life!

Read more about the project on our website: https://cultivateinc.com/rosa-village-cooperative/

11/04/2025

Big thanks to our partners at DevNW for highlighting our recent project and the incredible impact it’s had for local families! 🏡✨
Here are a few of the project highlights:

• The average monthly mortgage payment (including taxes and insurance) is about $865.
• Four families received a total of $99,355 in down payment assistance.
• The average household income is around 60% AMI — about $55,020, for a family of four in Eugene.

We’re proud to collaborate with partners like DevNW who make affordable homeownership a reality for more Oregonians. 💚

🏠 𝗙𝗼𝘂𝗿 𝗙𝗮𝗺𝗶𝗹𝗶𝗲𝘀, 𝗙𝗼𝘂𝗿 𝗛𝗼𝗺𝗲𝘀, 𝗢𝗻𝗲 𝗦𝘁𝗿𝗼𝗻𝗴𝗲𝗿 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆

Over the past year, DevNW partnered with Cultivate Inc. to bring four new affordable homes to Eugene, helping four families achieve the dream of homeownership.

Through homebuyer education, counseling, down payment assistance, and realtor services, DevNW ensured that each family had the tools and support needed to succeed. The homes, completed in February and sold in March 2025, represent more than just new addresses: they are foundations for stability, belonging, and brighter futures.

Partnerships like this make it possible for more families to stay rooted in their communities while building long-term financial security. 💚

10/28/2025

Big thanks to our friends at SquareOne Villages for their incredible work helping more people in the Eugene area find affordable, quality homes.

Our first project together, the C Street Co-op, is featured in this post — and it’s amazing to see how it’s grown even more affordable over the years.

Read more at the link!

Check out our Fall edition of SquareOne NEWS, which includes a couple excellent videos featuring our C Street Co-op and a co-op member panel at our Paella in the Pavilion event! https://wix.to/Uco6E9q

10/13/2025

Ever thought about adding an Accessory Dwelling Unit (ADU) to your property? ADUs are smaller homes built alongside an existing house — perfect as a rental, guest suite, or in-law unit. Many of our designs are sized just right for ADUs, and the City of Eugene’s preapproved ADU plan library makes the process faster and more affordable.
We’re proud to have two architect-designed preapproved plans available for just $500: the Klamath and the Deschutes. Explore them on Eugene’s website (https://www.eugene-or.gov/4979/Select-an-ADU-Design) or visit our plan library (link in bio).

09/15/2025

Thinking about adding housing on your property?

Our Wallowa Stacked Duplex is a smart, compact option— with a 16’ x 24’ footprint and one-bedroom units of just 384 sq. ft. each. Thoughtfully designed for flexibility, the Wallowa can stand alone as a stacked duplex or be attached to form a fourplex. It’s zero-energy and solar-ready, making it as sustainable as it is efficient. You can see the design in action at our C-street Co-op.

Explore the Wallowa and other predesigned homes on our website — and remember, every design can be customized to fit your needs.