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      <Desc>AFFORDABLE HOUSING DEVELOPMENT: IN 2023, YELLOW SPRINGS HOME, INC. COMPLETED PREDEVELOPMENT WORK ON A 32-UNIT PROJECT, THE CASCADES. SPECIFIC ACCOMPLISHMENTS INCLUDE SECURING FUNDING COMMITMENTS FOR PHASE I, EIGHT UNITS OF RENTALS SERVING SENIORS OF LOW-INCOME, INCLUDING A RESERVATION OF $1,469,017 IN FUNDING THROUGH THE COMPETITIVE HOUSING DEVELOPMENT ASSISTANCE PROGRAM THROUGH THE OHIO HOUSING FINANCE AGENCY. ADDITIONAL MILESTONES INCLUDE A PHASE I ENVIRONMENTAL SITE ASSESSMENT, BOUNDARY SURVEY, SOIL BORINGS, SITE MANAGEMENT, SECURING ZERO INTEREST FINANCING FOR PREDEVELOPMENT, A LEED SILVER DESIGN CHARRETTE, PROJECT MANAGEMENT PLANNING AND CRITICAL PATH ANALYSIS FOR CURRENT/FUTURE PROJECT PHASES, PREPARATION OF FINAL PLANS WITH ARCHITECTS AND CIVIL ENGINEERING, SECURED INTERIM AND PERMANENT FINANCING PREAPPROVALS, AND COMPLETION OF LANDSCAPING, UTILITY, AND STORMWATER MANAGEMENT PLANS. THE PROJECT IS INFORMED BY SIGNIFICANT PUBLIC INPUT INCLUDING 18 LISTENING... SESSIONS, A SENIOR-FOCUSED FORUM, NEIGHBOR ENGAGEMENT, PUBLIC INPUT MEETINGS, AND AN ONLINE SURVEY. GROUNDBREAKING FOR PHASE I IS ANTICIPATED IN 2024. MAJOR HOME REPAIR PROGRAMS: THE CAROL M. PETERSON HOUSING FUND (CMPHF) IS AN ANNUAL GRANT THAT ASSISTS HOMEOWNERS OF LOW-INCOME WITH EMERGENCY HEALTH, SAFETY, AND ACCESSIBILITY REPAIRS AND MODIFICATIONS. ADDITIONALLY, IN 2021, YELLOW SPRINGS HOME, INC. RECEIVED A TWO-YEAR $200,000 FUNDING AWARD THROUGH THE USDA RURAL DEVELOPMENT HOUSING PRESERVATION GRANT. IN 2023, YELLOW SPRINGS HOME, INC. COMPLETED FIVE USDA HOUSING PRESERVATION GRANT PROJECTS AND 14 CMPHF PROJECTS. TYPES OF MAJOR HOME REPAIRS INCLUDED: ROOF REPLACEMENT, ADDRESSING WATER DAMAGE ISSUES, INSTALLING AIR CONDITIONING, ACCESSIBLE SHOWER MODIFICATIONS, AND A HOST OF OTHER EMERGENCY REPAIRS AND ACCESSIBILITY MODIFICATIONS, BOOSTING THE LOCAL ECONOMY THROUGH THE USE OF LOCAL CONTRACTORS TO COMPLETE PROJECTS. CLIENT- AND COMMUNITY-FIRST PROGRAMS: YELLOW SPRINGS HOME, INC.S CLIENT-FIRST PROGRAM SERVES HOUSEHOLDS OF LOW-TO-MODERATE INCOME WORKING TO ACCESS AFFORDABLE HOUSING THROUGH HIGH-LEVEL, INDIVIDUALIZED FINANCIAL COACHING, HOMEBUYER EDUCATION, LOW-INTEREST MORTGAGE PACKAGING, POST-PURCHASE SUPPORT, RENTAL PROPERTY MANAGEMENT, AND SUPPORT SERVICES COORDINATION. IN 2023 NEARLY ALL CLIENT FIRST PROGRAM METRICS SAW SUBSTANTIAL GROWTH, LEADING TO ADDITIONAL CLIENTS SERVED. 63 NEW HOMEOWNERSHIP APPLICATIONS WERE RECEIVED. 18 LOW-INTEREST USDA 502-DIRECT MORTGAGE APPLICATIONS WERE PACKAGED. AN AFFORDABLE HOME WAS REPURCHASED TO SELL TO ANOTHER HOMEBUYER FAMILY OF LOW-TO-MODERATE INCOME. NINE HOMES WERE PURCHASED WITH USDA MORTGAGES. 12 CLIENTS COMPLETED EIGHT HOURS OF HUD-APPROVED HOMEBUYER EDUCATION. 14 RENTER HOUSEHOLDS OF LOW-INCOME WERE SUPPORTED THROUGH PROPERTY MANAGEMENT AND SUPPORT SERVICES COORDINATION. ADDITIONALLY, THE INCLUSIVE AND RESILIENT YELLOW SPRINGS COALITION FOUNDED AND CONVENED BY YELLOW SPRINGS HOME, INC. CONTINUED COLLABORATION WITH PARTNER AGENCIES TO SUPPORT DIVERSE COMMUNITIES BY IDENTIFYING AND REMOVING BARRIERS TO OPPORTUNITY AND SUCCESS. KEY ACTIVITIES INCLUDED IDENTIFYING FUNDING TO SUPPORT THE HOUSELESS POPULATION, DEVELOPING AND DISTRIBUTING AFFIRMATIVE MARKETING AND OUTREACH BROCHURES, AND THE CONTINUATION OF A LIVABLE, EQUITABLE, AGE-FRIENDLY COMMUNITY PLANNING PROCESS THAT HAS SPURRED NUMEROUS QUALITY-OF-LIFE IMPROVEMENT PROJECTS IN YELLOW SPRINGS.</Desc>
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      <Form990PartVIISectionAGrp>
        <PersonNm>LELA KLEIN</PersonNm>
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        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <OfficerInd>X</OfficerInd>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
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      <TotReportableCompRltdOrgAmt>0</TotReportableCompRltdOrgAmt>
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      <FundraisingAmt>11685</FundraisingAmt>
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        <ExclusionAmt>0</ExclusionAmt>
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        <ManagementAndGeneralAmt>6230</ManagementAndGeneralAmt>
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      <OtherEmployeeBenefitsGrp>
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        <ManagementAndGeneralAmt>16726</ManagementAndGeneralAmt>
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      <PayrollTaxesGrp>
        <TotalAmt>17798</TotalAmt>
        <ManagementAndGeneralAmt>17798</ManagementAndGeneralAmt>
      </PayrollTaxesGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>32180</TotalAmt>
        <ProgramServicesAmt>16090</ProgramServicesAmt>
        <ManagementAndGeneralAmt>16090</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <AdvertisingGrp>
        <TotalAmt>1172</TotalAmt>
        <ProgramServicesAmt>1172</ProgramServicesAmt>
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      <OfficeExpensesGrp>
        <TotalAmt>39102</TotalAmt>
        <ManagementAndGeneralAmt>39102</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <OccupancyGrp>
        <TotalAmt>11874</TotalAmt>
        <ManagementAndGeneralAmt>11874</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>3150</TotalAmt>
        <ProgramServicesAmt>1575</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1575</ManagementAndGeneralAmt>
      </TravelGrp>
      <InterestGrp>
        <TotalAmt>16775</TotalAmt>
        <ProgramServicesAmt>4181</ProgramServicesAmt>
        <ManagementAndGeneralAmt>12594</ManagementAndGeneralAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>75336</TotalAmt>
        <ProgramServicesAmt>74875</ProgramServicesAmt>
        <ManagementAndGeneralAmt>461</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>6045</TotalAmt>
        <ManagementAndGeneralAmt>6045</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>HOMEBUYER SERVICES</Desc>
        <TotalAmt>2543</TotalAmt>
        <ProgramServicesAmt>2543</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>PROPERTY TAXES</Desc>
        <TotalAmt>33702</TotalAmt>
        <ProgramServicesAmt>33702</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>SUBSCRIPTIONS &amp; DUES</Desc>
        <TotalAmt>10044</TotalAmt>
        <ProgramServicesAmt>10044</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>BANK FEES</Desc>
        <TotalAmt>1131</TotalAmt>
        <ManagementAndGeneralAmt>1131</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>810085</TotalAmt>
        <ProgramServicesAmt>617269</ProgramServicesAmt>
        <ManagementAndGeneralAmt>150887</ManagementAndGeneralAmt>
        <FundraisingAmt>41929</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>119387</BOYAmt>
        <EOYAmt>201673</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>30996</BOYAmt>
        <EOYAmt>69962</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <PledgesAndGrantsReceivableGrp>
        <BOYAmt>1012115</BOYAmt>
        <EOYAmt>2072951</EOYAmt>
      </PledgesAndGrantsReceivableGrp>
      <AccountsReceivableGrp>
        <BOYAmt>50</BOYAmt>
        <EOYAmt>50</EOYAmt>
      </AccountsReceivableGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <EOYAmt>12549</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>3390287</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>289617</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>2988486</BOYAmt>
        <EOYAmt>3100670</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <InvestmentsOtherSecuritiesGrp>
        <BOYAmt>6114</BOYAmt>
      </InvestmentsOtherSecuritiesGrp>
      <InvestmentsProgramRelatedGrp>
        <EOYAmt>6324</EOYAmt>
      </InvestmentsProgramRelatedGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>88189</BOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>4245337</BOYAmt>
        <EOYAmt>5464179</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>76926</BOYAmt>
        <EOYAmt>26729</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <DeferredRevenueGrp>
        <BOYAmt>807730</BOYAmt>
        <EOYAmt>2072951</EOYAmt>
      </DeferredRevenueGrp>
      <MortgNotesPyblScrdInvstPropGrp>
        <BOYAmt>1704556</BOYAmt>
        <EOYAmt>1707425</EOYAmt>
      </MortgNotesPyblScrdInvstPropGrp>
      <UnsecuredNotesLoansPayableGrp>
        <BOYAmt>32387</BOYAmt>
      </UnsecuredNotesLoansPayableGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>2621599</BOYAmt>
        <EOYAmt>3807105</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>1619353</BOYAmt>
        <EOYAmt>1652689</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>4385</BOYAmt>
        <EOYAmt>4385</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>1623738</BOYAmt>
        <EOYAmt>1657074</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>4245337</BOYAmt>
        <EOYAmt>5464179</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>33336</ReconcilationRevenueExpnssAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>true</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <ConsolAndSepBasisFinclStmtInd>X</ConsolAndSepBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>false</FSAuditedInd>
      <AuditCommitteeInd>false</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="990A">
      <CommunityTrustInd>X</CommunityTrustInd>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>412609</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>430703</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>478268</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>674135</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>745244</CurrentTaxYearAmt>
        <TotalAmt>2740959</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>412609</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>430703</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>478268</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>674135</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>745244</CurrentTaxYearAmt>
        <TotalAmt>2740959</TotalAmt>
      </TotalCalendarYear170Grp>
      <SubstantialContributorsTotAmt>663000</SubstantialContributorsTotAmt>
      <PublicSupportTotal170Amt>2077959</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>46479</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>61786</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>93265</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2647</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>5771</CurrentTaxYearAmt>
        <TotalAmt>209948</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <TotalSupportAmt>2950907</TotalSupportAmt>
      <PublicSupportCY170Pct>0.70420</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.64840</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="990B">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="990D">
      <CYEndwmtFundGrp>
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        <EndYearBalanceAmt>6311</EndYearBalanceAmt>
      </CYEndwmtFundGrp>
      <CYMinus1YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>6311</BeginningYearBalanceAmt>
        <EndYearBalanceAmt>6311</EndYearBalanceAmt>
      </CYMinus1YrEndwmtFundGrp>
      <CYMinus2YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>5617</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>694</InvestmentEarningsOrLossesAmt>
        <EndYearBalanceAmt>6311</EndYearBalanceAmt>
      </CYMinus2YrEndwmtFundGrp>
      <CYMinus3YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>5617</BeginningYearBalanceAmt>
        <EndYearBalanceAmt>5617</EndYearBalanceAmt>
      </CYMinus3YrEndwmtFundGrp>
      <CYMinus4YrEndwmtFundGrp>
        <BeginningYearBalanceAmt>4922</BeginningYearBalanceAmt>
        <InvestmentEarningsOrLossesAmt>695</InvestmentEarningsOrLossesAmt>
        <EndYearBalanceAmt>5617</EndYearBalanceAmt>
      </CYMinus4YrEndwmtFundGrp>
      <LandGrp>
        <OtherCostOrOtherBasisAmt>1138411</OtherCostOrOtherBasisAmt>
        <BookValueAmt>1138411</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>1985283</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>255391</DepreciationAmt>
        <BookValueAmt>1729892</BookValueAmt>
      </BuildingsGrp>
      <LeaseholdImprovementsGrp>
        <OtherCostOrOtherBasisAmt>259628</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>28456</DepreciationAmt>
        <BookValueAmt>231172</BookValueAmt>
      </LeaseholdImprovementsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>6965</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>5770</DepreciationAmt>
        <BookValueAmt>1195</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>3100670</TotalBookValueLandBuildingsAmt>
      <InvstProgramRelatedOrgGrp>
        <Desc>VANGUARD</Desc>
        <BookValueAmt>6324</BookValueAmt>
        <MethodValuationCd>C</MethodValuationCd>
      </InvstProgramRelatedOrgGrp>
      <TotalBookValueProgramRltdAmt>6324</TotalBookValueProgramRltdAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleI documentId="990I">
      <GrantRecordsMaintainedInd>true</GrantRecordsMaintainedInd>
      <GrantsOtherAsstToIndivInUSGrp>
        <GrantTypeTxt>MAJOR EMERGENCY AND SAFETY HOME REPAIRS</GrantTypeTxt>
        <RecipientCnt>23</RecipientCnt>
        <CashGrantAmt>296386</CashGrantAmt>
        <ValuationMethodUsedDesc>VENDORS PAID DIRECTLY</ValuationMethodUsedDesc>
      </GrantsOtherAsstToIndivInUSGrp>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Monitoring procedures (Part I, line 2)</FormAndLineReferenceDesc>
        <ExplanationTxt>GRANT ASSISTANCE FOR HOME REPAIRS ARE GRANTED TO ELIGIBLE LOW INCOME INDIVIDUALS. STAFF ACCEPTS THE REQUESTS AND APPROVES BASED ON THE NEEDS AND AVAILABLE FUNDSTO ASSIST LOW INCOME INDIVIDUALS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleI>
    <IRS990ScheduleO documentId="990O">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 governing body review Part VI line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>The return is presented to the Director and the Director presents the return to governingbody for approval, prior to filing the 990.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Conflict of interest policy compliance Part VI line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>The governing body meets bi-monthly and any conflicts are discussed at the meetings.Annually, the board governance chair shares forms with board members and collects themonce completed.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>CEO executive director top management comp Part VI line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>The Director reviews and recommends pay raises for employees other than the Director,which the board approves as part of its annual budgeting. The budget is approved annuallyat the recommendation of the finance committee.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other officer or key employee compensation Part VI line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>The governing body reviews, analyzes, and determines any pay raises to be granted.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Governing documents etc available to public Part VI line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Yellow Springs Home Inc. holds an annual membership meeting open to the public, which isadvertised. The annual meeting includes a report on activities, election of officers, andfinancial report. All members are provided with a printed annual report, which is postedelectronically to the website and includes a financial report. Recent financial records,including the 990 and most recent audit are also posted publicly on the website.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>