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Erica Fields Speaks to the Dayton City Commission about the Importance of Autism Awareness in Policymaking (Dayton City Commission Meeting Wednesday, April 8, 2026) By Erica Fields, Contributing Writer April is Autism Acceptance Month. For many, it brings symbolic gestures and increased awareness. But for families like mine, it is also a reminder that awareness alone is not enough. Acceptance must be backed by access, coordination, and real support. For twelve years, I worked inside Dayton City Hall helping to enforce anti-discrimination laws and advance equity. I understood how systems were designed to work. Recently, I returned to the City Commission, but this time as a mother and resident, navigating systems that were not built with my family in mind. I have long believed in the power of self-advocacy. But the greatest challenge is not speaking up, it is what happens after. Even when families navigate systems correctly, too often the services they need are unavailable, delayed, or disconnected. Autism is often “invisible,” and too often it remains invisible in how we design policy, services, and public spaces. Unless it touches your daily life, it is easy to miss. But for families living it, these gaps are not theoretical, they are barriers to fully participating in the community. Raising a child with autism is a gift. And…it also requires families to take on extraordinary levels of coordination; managing therapies, navigating complex systems, and ensuring inclusion is practiced, not just promised. Even routine outings require planning that most families never have to consider. Families are doing this work every day. They should not have to do it alone. The need for stronger support systems is clear. In Dayton Public Schools, roughly one in five students receives special education services, representing thousands of children and families across the city. Nationally, 1 in 36 children is identified with autism spectrum disorder, and in Ohio, many families remain on waiting lists for critical services. At the same time, disparities persist: Black children are often diagnosed later and misdiagnosed more frequently, delaying access to early intervention and the support they need. There are steps the City of Dayton can and should take from inclusive programming to staff training to more accessible public spaces. But the reality is that no single system can meet this need alone. Families do not experience services in silos and solutions cannot be built that way. What is needed is a coordinated approach that brings together the City, Montgomery County, schools, healthcare providers, nonprofit organizations, and state and federal partners. Today, families are navigating a fragmented landscape where services may exist but are difficult to access or insufficient to meet demand. Even the most persistent advocates cannot close gaps that systems themselves have not addressed. We have an opportunity to do better together. That means expanding access to clinical services, strengthening school-based supports, investing in workforce development, aligning funding, and supporting the nonprofits already doing critical work. It also means designing public spaces and programs that are intentionally inclusive. Individually, these efforts matter. Collectively, they create the infrastructure families need. When I spoke to the City Commission, I advocated for action within the City’s control. But this is a broader call for alignment, partnership, and shared responsibility across sectors.The goal is  not just to make services available, but to make them connected, accessible, and effective. When we get this right, families can spend less time navigating systems and more time living, participating, and contributing to the community we all share. Dayton has the leadership and the commitment to lead in this space. Now is the time to move beyond awareness and build a community where every family truly belongs. Erica Fields is the Senior Director of Partnerships and Community Impact for Learn to Earn Dayton and the former Executive Director of the Dayton Human Relations Council.

Daniel Joseph “DJ” Sessions Licensed Mortgage Broker & CEO, SLG | Sessions Lending Group By Daniel Joseph “DJ” Sessions, Sessions Lending Group In Part V, we laid out the coalition blueprint. Small groups. Clear geography. Defined objectives. Legal structure. Contractor alignment. Measured progress. Now we talk about money. Because once a coalition is organized, the next question is inevitable: How do we fund this responsibly? This is where many good community efforts either stall out or fall apart. Not because there isn’t capital available. But because it isn’t layered correctly. Capital stacking simply means combining different sources of funding in a way that reduces risk, protects ownership, and makes the numbers work. It is not complicated. But it must be disciplined. When most people hear “development financing,” they picture one large loan covering everything. That approach often overexposes a project. If market conditions shift or construction costs rise, the entire effort is strained. Stacking capital spreads responsibility. In practical terms, that might mean a first-position mortgage for acquisition, renovation financing for improvements, and local grant dollars for specific exterior upgrades. It may include city-backed programs layered with private lending. It may involve personal equity combined with structured debt. The goal is simple: do not rely on one lever when multiple levers exist. In Dayton, imagine a coalition acquiring two vacant properties. Instead of maxing out leverage, they secure conservative financing for purchase. Renovation funds are structured with draw schedules tied to completed work. If eligible, local improvement funds are used for sidewalks or lighting. Each layer serves a purpose. None carries the entire burden. In Cincinnati, a church-led infill project might combine private lending for construction with city-backed infrastructure support. The church’s land may serve as leverage without being sold outright. Capital becomes coordinated rather than reactive. In Columbus, a civic group working with a small builder might pre-align buyers before foundations are poured. Buyer financing becomes part of the stack, reducing speculative exposure. Construction funding is structured based on realistic after-completion values, not inflated projections. Capital stacking is not about chasing every available dollar. It is about aligning the right dollars. That alignment begins with discipline. Every project must answer three questions clearly. What is the realistic value once complete? What is the total cost including contingencies? And what happens if the timeline extends longer than expected? If those answers are unclear, the stack is unstable. Conservative underwriting protects neighborhoods. Aggressive assumptions endanger them. One of the most common mistakes in emerging markets is overestimating appreciation. Coalitions improve a block and assume appraisals will immediately reflect the change. Sometimes they do not. Markets move slower than enthusiasm. Responsible stacking anticipates that lag. Another critical principle is preserving ownership. If too much high-cost capital enters early, control can shift away from the coalition. The objective is not just completing projects. It is maintaining long-term stewardship. The block should not be stabilized only to be lost. This is why patient capital matters. Community capital. Faith-based capital. Local partnerships that understand the long-term vision. Fast money often seeks fast exits. Community coalitions should seek durable outcomes. Cash flow must also be respected. Renovation projects often require interest payments during construction. Construction loans may carry short-term terms. If income does not begin quickly, pressure builds. A well-structured stack anticipates this and plans accordingly. It is not enough for the project to look good on paper. It must survive real timelines. When done properly, capital stacking reduces stress. It allows coalitions to move steadily instead of aggressively. It keeps decision-making local. It allows improvements to compound. Across Dayton, Cincinnati, and Columbus, there is capital available. Public funds. Private lenders. Mission-driven institutions. Federal tools. The difference between success and strain is not access alone. It is alignment. This work requires maturity. It requires restraint. It requires understanding that not every opportunity must be seized immediately. Block-by-block revitalization is a long-term discipline, not a sprint. When coalitions stack capital responsibly, something powerful happens. They gain leverage without losing control. They build value without gambling the block. They create momentum without creating instability. That is how neighborhoods rise sustainably. In the next installment of Community Conversations, we will discuss scaling wisely. How does a coalition grow from one block to three without losing focus? How do we replicate success without diluting discipline? Because once the stack is stable, growth becomes possible. The structure is forming. The capital is aligning. The responsibility remains ours. On purpose. For the long term.

Daniel Joseph “DJ” Sessions, SLG | Sessions Lending Group How to Organize a Block and Move with Intention By Daniel Joseph “DJ” Sessions, SLG | Sessions Lending Group In Part II, we focused on individual action. In Part III, we discussed federal momentum. In Part IV, we walked through real-life examples. Now it is time to talk about structure. Because uplifting a neighborhood is not random. It is organized. If we want to stabilize blocks in Dayton, strengthen corridors in Cincinnati, and build responsibly in Columbus, we need more than enthusiasm. We need coalitions. Not complicated ones. Clear ones. This is the blueprint. Every coalition begins small. Three to five committed people are enough. Not twenty-five. Not a crowded room. Just a handful of individuals who share long-term interest in the same neighborhood and are willing to meet consistently. Alignment matters more than size. The right small group can move faster and think more clearly than a large, unfocused gathering. Expansion can come later. Commitment must come first. Once a core group is formed, the next step is specificity. Coalitions drift when they lack boundaries. Choose one block. One corridor. One cluster of vacant lots. Write down the addresses. Identify who owns what. When geography is defined, responsibility becomes real. Broad ambition sounds inspiring, but focused effort produces results. Clarity of objective follows. Every coalition must answer a simple question: are we stabilizing, renovating, building new, or acquiring? The strategy shifts depending on the answer. Stabilizing might mean exterior repairs, lighting improvements, or landscaping that changes perception overnight. Renovating requires contractor coordination and realistic budgeting. New construction demands zoning awareness and disciplined capital planning. Acquisition requires pre-aligned buyers and financial readiness. When the objective is unclear, momentum stalls. Structure protects relationships. This is where many well-meaning groups stumble. If multiple individuals plan to purchase together, the legal framework must be intentional. That may mean forming an LLC, drafting an operating agreement, clarifying who makes decisions, and defining exit strategies in writing. Handshake agreements can damage friendships and fracture communities. Written agreements preserve both. Structure is not about distrust. It is about longevity. Preparation also means building the contractor bench before it is needed. Waiting until a property is under contract to start vetting contractors creates unnecessary pressure. A healthy coalition has relationships with licensed and insured professionals in advance. That includes at least one reliable general contractor, access to skilled trades, and professionals who understand inspection and title processes. When demand rises, pricing rises. Preparation preserves leverage. Capital must align with reality. Every project must make financial sense on conservative assumptions. After-repair values should be realistic, not optimistic. Renovation budgets should include contingencies. Appraisal ceilings in historically underinvested neighborhoods must be understood. Overestimating value is how promising efforts become strained investments. Coalitions must operate with discipline, especially in communities where comparable sales may lag visible improvements. Transparency with neighbors strengthens trust. Before construction begins, conversations should happen. Immediate neighbors, civic leaders, nearby businesses, and faith institutions deserve to understand what is being planned. Development done quietly often creates suspicion. Development done openly builds confidence. Coalitions that communicate early reduce resistance and increase local buy-in. Progress must be measured. Not emotionally, but operationally. How many vacancies were reduced? How many homes transitioned to owner-occupants? How many local contractors were employed? Is the block visibly more stable than it was twelve months ago? Tracking tangible outcomes keeps the coalition focused and accountable. Revitalization should be visible not only in vision statements, but in numbers. Risk management remains essential. Early coalitions should avoid overleveraging. They should avoid inexperienced contractors without references. They should avoid assuming appreciation will solve flawed math. This is generational work, not speculative flipping. Moving steadily is more important than moving fast. Across Ohio, this blueprint is already possible. In Dayton, a small coalition might target four vacant homes on one street and move intentionally, one property at a time. In Cincinnati, a church and two business owners might coordinate infill housing that aligns with both mission and market reality. In Columbus, a civic group might align builders, lenders, and qualified buyers before a single foundation is poured. The common thread is not scale. It is structure. This work requires patience and discipline. It requires transparency and faith in long-term outcomes. Outside investors move when margins appear. Coalitions move because community matters. Development will happen. That is not the question. The question is who will lead it — and whether it will be led with intention. The window is open. Block by block. On purpose.

Daniel Joseph “DJ” Sessions, Licensed Mortgage Broker & CEO, SLG | Sessions Lending Group Real People, Real Blocks, Real Change By Daniel Joseph “DJ” Sessions In Part II of Community Conversations, we focused on simple steps everyday residents can take to strengthen their neighborhoods — knowing your block, building relationships, organizing your finances, and thinking long-term. In Part III, we discussed new federal housing legislation that could accelerate infill construction, expand access to small-dollar mortgages, modernize repair programs, and give cities more flexibility with development funding. But policy alone does not rebuild a block. People do. So, the real question becomes: What does this look like in real life for a business owner in Dayton, a church in Cincinnati, or a neighborhood association in Columbus? How does federal opportunity translate into local movement? Let’s make it practical. The Local Business Owner Imagine a barbershop owner on Germantown Street in Dayton. He has been in business for more than a decade. He knows every family on the block. Yet two houses next door sit vacant, windows boarded, grass uncut. He worries about safety. He worries about foot traffic. He wonders whether staying long term makes sense. In the past, the assumption may have been that revitalization would come from a large developer or outside investor. But the landscape is shifting. With increased flexibility around small-dollar mortgages and local construction funding, opportunities may soon exist to finance properties that were once overlooked. That same business owner does not need to become a full-time developer. He simply needs to become strategic. He might begin by talking with two neighboring property owners about shared interest in stabilizing the block. He could explore forming a small buying circle with trusted individuals. He could attend a city development meeting and learn how community block grants are being allocated. When business owners begin thinking about housing around their storefronts, something powerful happens; stability improves, customer confidence increases, and the entire corridor strengthens. The Neighborhood Association Now consider a civic association in the Linden area of Columbus. For years, members have voiced frustration about five vacant lots sitting untouched. Meetings have been filled with questions — Why isn’t the city doing more? Why aren’t developers interested? But new housing tools create a different kind of possibility. Instead of waiting, the association could formally inventory those vacant properties and initiate a conversation with the planning department about whether the city intends to pursue pre-approved “pattern book” housing designs that speed up development. They could attend a CDBG public hearing and advocate for those specific lots to be included in funding plans. Most importantly, they could connect with one or two small, local builders capable of handling infill projects. Neighborhood associations do not need to become construction companies. They need to become organized advocates who align capital, contractors, and community interest in one direction. The Church Across Cincinnati, many long-standing churches sit on valuable land — parking lots used only once a week, vacant adjacent homes, or underutilized fellowship halls. In Avondale, imagine a 75-year-old church wrestling with declining membership and aging infrastructure. Leadership may assume development is complicated and risky. But churches have always been anchors. Housing stability is not separate from ministry — it is deeply connected to it. A church could form a small housing or stewardship committee to explore whether two adjacent lots could become affordable homes for members. It could host educational workshops on financial organization and homeownership. It could partner with vetted contractors and responsible lenders to ensure projects align with both mission and neighborhood standards. When churches lead carefully and collaboratively, development becomes guided by stewardship instead of speculation. The Nonprofit In Dayton, picture a youth mentorship nonprofit that sees families struggling with unstable housing. The organization’s mission may center on education and personal development, but housing instability undermines every other program. That nonprofit does not need to become a housing authority. It can become a connector. It can host workshops that help families organize financial documents and understand basic loan preparation. It can connect veterans in its network with VA loan benefits. It can help identify longtime homeowners who may qualify for renovation assistance. Housing stability strengthens youth outcomes, workforce readiness, and overall family resilience. When nonprofits see housing as infrastructure, their impact multiplies. The Everyday Resident Finally, think about a renter in West Dayton paying $1,100 per month. She works full-time and feels priced out of ownership. The market feels overwhelming. The headlines feel discouraging. But progress does not start with headlines. It starts with preparation. She can pull her credit report and organize her income documentation. She can have a serious conversation with a trusted family member about co-buying. She can identify homes in her neighborhood under $150,000 and attend a housing workshop to understand realistic options. Preparation shifts her from reacting to the market to positioning herself within it. The Logical Flow of Development When you step back, community development follows a consistent rhythm. It begins with awareness. It grows through conversation. It strengthens through financial organization. It expands through coalition building. It requires contractor vetting and capital alignment. Then comes execution. And finally, long-term stewardship. Federal legislation may create openings. Cities may adjust funding priorities. Lenders may adapt products. But without organized local participation, those tools remain unused. If residents stay passive, outside investors will purchase small properties in bulk, increase rents, extract equity, and move on when margins tighten. If residents organize, ownership grows. Businesses stabilize. Churches anchor. Youth see examples of generational wealth being built in real time. The tools are aligning. The real question is whether we will align with them. Because uplifting a neighborhood is not emotional. It is operational. And it begins with us.

Daniel “DJ” Sessions, Licensed Mortgage Broker & CEO, SLG | Sessions Lending Group What New Federal Housing Legislation Means for Our Communities By Daniel Joseph “DJ” Sessions Licensed Mortgage Broker & CEO, SLG | Sessions Lending Group Ohio stands at a turning point. Across our state — from Cleveland to Columbus, Cincinnati to Toledo, Dayton to Youngstown — families are facing the same struggle: rising housing costs, aging homes, fewer affordable options, and decades of underinvestment in Black and working‑class neighborhoods. [1] But for the first time in years, federal policy is shifting toward community needs instead of away from them.  In early February, Congress advanced the Housing for the 21st Century Act (H.R. 6644) , a wide‑reaching proposal focused on modernizing housing rules, increasing flexibility, cutting red tape, and supporting local decision‑making. [2] This is not a magic fix. But it opens important  doors that everyday Ohio residents, local lenders, churches, neighborhood groups, and small builders can finally walk through. This installment of Community Conversations  breaks down what the bill means for Ohio, in plain language, and outlines steps residents can take to benefit. Key Provisions That Could Impact Ohio Faster, Cheaper Home Construction The Act funds “pattern book” home designs — pre‑approved plans that speed up permitting and reduce construction costs. It also streamlines environmental reviews for infill building and small rehabs. [3] Why this matters for Ohio: Thousands of vacant lots and abandoned homes could move to redevelopment much faster. More Support for Rural Home Repairs The bill expands the USDA Section 504 repair program, increasing funding and modernizing eligibility for low‑income homeowners. [4] This is especially critical for counties where aging homes and limited financing leave families with few options. More Flexibility for Manufactured Homes The updated definition allows manufactured homes with or without a permanent chassis. [5] This expands options for affordable, modern housing in both rural and suburban Ohio. Access to Small-Dollar Mortgages A new pilot program supports mortgages under $100K–$150K — loans many lenders avoid. [6] Neighborhoods like West Dayton, Cleveland’s Glenville, Youngstown’s South Side, and others could finally see buyers able to finance homes at realistic prices. More Housing Construction Through CDBG Funds Cities may use up to 20% of Community Development Block Grants (CDBG) for new construction. [7] This could revitalize clusters of vacant lots in cities like Dayton, Toledo, Akron, and others. Better Communication for Veteran Borrowers Mortgage forms must now include a clear disclosure reminding veterans they may qualify for VA loans. [8] This is especially important for Black veterans, who have historically been under-enrolled. What This Means for Ohio Residents Federal legislation won’t rebuild a block on its own — but it gives communities tools they’ve been lacking for decades. Here’s how Ohioans can prepare: Walk Your Neighborhood for Infill Opportunities Vacant lots and abandoned homes will soon be prime redevelopment sites. Take notes. These properties matter. Form a 3–5 Person Buying Circle Small-dollar mortgage pilots will support collaborative buying and shared investment.Start conversations with people you trust. Ask Your City About Pattern Book Housing A simple email to your planning department — “Is our city pursuing federal pattern book grants?”  — can begin local momentum. Rural Residents: Prepare for Section 504 Changes Gather income docs, tax returns, and your deed. Repairs like roofs, porches, and furnaces may soon be eligible for expanded funding. Learn Your City’s CDBG Process Find your city’s CDBG website. Public hearings, surveys, and funding cycles will shape how much new construction your neighborhood receives. Vet Contractors Carefully With faster approvals coming, demand will rise. Use this quick checklist: Licensed & insured Comparable recent projects Line‑item budget Draw schedule capability Verifiable references Veterans: Pull Your Certificate of Eligibility Now Don’t wait for new disclosures. If you served, the VA loan may be your most affordable path home. Where Ohio Goes from Here Ohio’s revival won’t come from outside investors — it will come from families, neighbors, churches, and small businesses working together . This legislation gives us momentum. Our communities provide movement.

Daniel Joseph Sessions | Sessions Lending Group How Everyday People Can Start Improving Their Block, Their Neighborhood, and Their Future By Daniel Joseph Sessions, SLG | Sessions Lending Group In Part I of  Community Conversations , we talked about big ideas—affordability, longer-term mortgages, collaborative homeownership, and the importance of building coalitions to revitalize neighborhoods across Dayton, Cincinnati, and Columbus. But real change doesn’t start with policy papers or loan products. It starts with people. This article is about  what everyday residents can do right now —without needing perfect credit, deep pockets, or a development background—to move their community forward in a logical, sustainable way. Think of this as a  community development ladder . You don’t jump to the top. You take the next right step. Step 1: Know Your Block Before we talk about buying, building, or borrowing, the first step is  awareness . Ask yourself: Who owns the homes on my block? Which homes are owner-occupied vs. rentals? Are there vacant or poorly maintained properties? Are the same issues showing up repeatedly (roof problems, sidewalks, lighting, trash)? Why this matters:  Development starts with observation. When residents understand their immediate environment, they can identify opportunities before outside investors do. Simple action:  Take a 15-minute walk around your block this week. Make mental notes. No clipboard required. Step 2: Talk to Your Neighbors This step sounds obvious—but it’s powerful. Development does not happen in isolation. It happens in  relationship . You don’t need a meeting. Just conversation: “How long you lived here?” “What do you wish was better about the block?” “Would you like to see more homeowners here?” Why this matters:  Many of the strategies discussed in Part I—like collaborative buying or shared renovation efforts—only work when  trust already exists . Simple action:  Have one real conversation with a neighbor this month. One. Step 3: Get Your Personal Finances Organized (Not Perfect) You don’t need perfect credit or a big savings account to start preparing. You do need  clarity . That means: Knowing your credit score range Knowing your monthly income Knowing your major debts Knowing whether you rent or own—and what your long-term goal is Why this matters:  Every successful community project is built on individuals who understand their own financial position. Lenders, contractors, and partners all work better when expectations are clear. Simple action:  Pull your credit report (free). Write down your monthly income and expenses. That’s it. Step 4: Learn the Difference Between “Fixing” and “Developing” Not every improvement is a full renovation. Some upgrades stabilize a block immediately: Roof repairs Exterior paint Porch and railing repairs Lighting Landscaping Energy-efficient upgrades Why this matters:  Stability attracts opportunity. When a block looks cared for, lenders, contractors, and future homeowners take it seriously. Simple action:  If you own, pick  one exterior improvement  to plan in the next 6–12 months.If you rent, talk to your landlord or neighborhood association about shared improvements. Step 5: Understand That You Don’t Have to Do It Alone One of the biggest myths in homeownership and development is that you must qualify alone. In reality: Families can buy together Trusted partners can co-invest Multiple incomes can support one property Shared responsibility can unlock better options This was a key idea in Part I, and it’s especially important in today’s affordability environment. Why this matters:  Collaborative ownership allows people to enter markets they couldn’t access individually—while still following lender guidelines. Simple action:  Identify  one person you trust  (family or partner) who shares similar long-term goals. Start the conversation. Step 6: Respect the Role of Contractors and Skilled Labor Development is not just financing—it’s execution. Strong communities rely on: Skilled trades Licensed contractors Inspectors and consultants Builders who care about quality Bad work costs communities time and money. Good work compounds value. Why this matters:  When residents understand how to select and work with contractors properly, projects succeed and neighborhoods improve faster. Simple action:  If you’re considering repairs or renovations,  get two bids  and ask for references—even for small jobs. Step 7: Think Long-Term, Not Fast Neighborhood improvement is not a flip. It’s a  commitment . The same way a 30-, 40-, or even 50-year mortgage spreads cost over time, community development spreads impact over decades. That means: Slow, steady improvements Pride of ownership Keeping families in place Reducing displacement Creating generational stability Why this matters:  Fast money leaves fast. Long-term investment stays and grows. Simple action:  Ask yourself:  “Will this decision make this block better five years from now?” Step 8: Use Education as a Tool You don’t need to become an expert—but you should stay informed. That includes: Understanding basic loan options Knowing renovation vs. construction differences Learning local zoning basics Attending community workshops or meetings Why this matters:  Education levels in the playing field. Informed residents make stronger decisions and avoid costly mistakes. Simple action:  Attend one housing, financial, or neighborhood meeting this year—or read one article in this series all the way through. How This Fits the Bigger Picture These steps may seem small. They are supposed to be. This is how community development works in real life: Awareness → Relationships → Financial readiness → Small improvements → Collaboration → Structured investment → Sustainable growth Block by block. Neighborhood by neighborhood. Because this work is not about theory. It’s about  people improving their lives—together .

Written by Kim M. Williams DAYTON, Ohio — Community leaders, housing advocates, and local residents gathered this week as County Corp hosted the City of Dayton for an open house and ribbon cutting celebrating the completion of four newly constructed homes on North Williams Street and West First Street. The homes, built using federal American Rescue Plan Act (ARPA) funds, represent a continued investment in neighborhood revitalization and market rate homeownership opportunities in the Wolf Creek neighborhood. The ribbon cutting event brought together key city officials including Mayor Shenise Turner-Sloss and Commissioner Chris Shaw, along with Steve Naas, President of County Corp, the project’s builder, members of the media, and community supporters. Four newly constructed single-family homes — two located on North Williams Street at 111 & 115 N. Williams St  and two on West First Street at 1240 & 1260 W 1st St  — are now listed for sale. The properties are marketed by local real estate professionals Cora, Fred, Shaun Diggs of the Diggs Team, and Kim M. Williams , all with Howard Hanna Real Estate Services, who are working collectively to bring qualified buyers into these move-in-ready homes. “These homes are more than new construction,” said one attendee. “They represent opportunity — for families to build equity, for neighborhoods to grow stronger, and for public funds to be invested back into the community in a meaningful way.” ARPA funds, allocated to support pandemic recovery efforts, have been strategically utilized by the City of Dayton and County Corp to increase housing supply, stabilize neighborhoods, and expand pathways to homeownership. The homes feature modern layouts and updated finishes designed to meet the needs of today’s buyers, while also contributing to the broader revitalization efforts underway in the surrounding community. City leaders emphasized that partnerships between public entities, nonprofit development organizations, and private real estate professionals are essential to addressing housing gaps and increasing access to affordable homeownership. The open house allowed guests to tour the properties, speak with agents, and learn more about financing options and eligibility requirements. With media coverage and strong community interest, organizers expressed optimism that the homes will soon be under contract. As Dayton continues to focus on equitable development and community reinvestment, projects like these demonstrate how federal recovery funds can be leveraged to create lasting local impact. To tour the homes or for more information, contact: Cora Diggs:  937-307-4363 Kim M. Williams:  937-286-0410 Home listings: https://1240w1ststreet.howardhanna.com/ https://1260w1ststreet.howardhanna.com/ https://111nwilliamsstreet.howardhanna.com/ https://115nwilliamsstreet.howardhanna.com/

Written by Brenda Cochran Serving diligently means to put in the effort and go above and beyond and to serve others, by being motivated by a desire to honor God. It involves being persistent, attentive to detail, and striving for excellence in all endeavors. When you use the word diligence rather than diligently, you are referring to the opposite of slothfulness that is often associated with a quality such as faithfulness and perseverance. A person who is described as being diligent is someone who is consistently hard-working, thorough, and dedicated to completely demonstrating perseverance and a strong work ethic to achieve their goals. Diligence means intentionally seeking God’s guidance and following His command, even when faith or difficulties or uncertainty exist. It means constantly striving to grow in our spiritual maturity and wisdom and also being willing to sacrifice for the sake of the gospel. Many people have been called to be diligent at work and at the same time advance their career. Setting specific, measurable, achievable, relevant, and time-bound goals all represent the first step to actually work diligently. The following are a list of necessities in order to work diligently: Get smart goals Make a list of the tasks needed to complete Set a routine Reduce any distractions Manage time in an effective manner Create accountability Become flexible If you are anxious to become not only diligent at work, there are other means of simply becoming a diligent person. Here are six ways to become a very diligent person: Create a burning desire to achieve a goal Gain clarity of purpose Commit to what you do Don’t overburden yourself with work Adopt a thorough approach Surround yourself with task-oriented people Most would agree that we are living in a world of distractions where both focus and attention span can be tossed around whenever you sit down to get a task done. In such a scene as this, those who can work diligently on their goals are the winners. Basically, the ability to work hard, carefully with focus and persistence and beat all the distractions is a virtue that can bring massive success your way and open the flood gates of opportunities and possibilities. A diligent person is being all day or even working long hours. This person puts their heart and soul into their work and takes consistent action for all their goals. The following are quotes on working diligently: “Everybody can be great because everybody can serve.” Martin Luther King Jr. “I never could have done what I have done without the habits of punctuality, order, and diligence.” Charles Dickens.

Historic Dayton cemetery honors Black leaders who shaped the city and the nation. By Kelley King During Black History Month, Woodland Cemetery in Dayton holds tours celebrating the lives of those who’ve made an impact on the city and beyond. “I think when people come here, they don’t realize who all is resting peacefully here and how they impacted the Dayton area.” Misti Spillman, Woodland Cemetery Preservation and Community Outreach In the quiet of Woodland Cemetery, 185 years of history is buried on more than 200 acres. Dayton’s own Paul Laurence Dunbar, the first renowned African American poet, is buried in the cemetery. The famed Dayton poet died in 1906 at 33 years old. “He also was associated with early civil rights leaders such as Frederick Douglass and Booker T. Washington,” says Spillman. Inside the cemetery’s indoor mausoleum, Dunbar’s poem “A Death Song” is enshrined in the colorful stained glass. “And one of the first lines of it is ‘Lay me beneath the willows,’ which you can see that in the stained-glass window is depiction of a willow tree,” describes Spillman. That poem is also on the marker at his gravesite. “He had a very robust body of work. He did plays, books, and also over 600 poems,” states Spillman. Also making her mark on Dayton history, founder and artistic director of the Dayton Contemporary Dance Company, Jeraldyne Blunden, is also inside the mausoleum. Dayton’s first Black mayor, James H. McGee, and Charity Adams Earley, commanding officer for the 6888th Central Postal Directory Battalion during World War II, are among the more than 112,000 people buried here. “I think it just brings another part of just the historical aspect of Dayton,” says Spillman. Their history is rooted in the landscaping of the cemetery and the city. Even in death, their legacy lives on, finding peace in their final resting place. The cemetery also holds other events throughout the year and provides private tours.

Daniel Joseph Sessions, Sessions Lending Group Written by Daniel Joseph Sessions For more than two decades working in mortgage lending and community development, one truth has remained constant: our neighborhoods can only rise when the people who live in them have real access to opportunity. In today’s market—burdened by rising rates, shrinking inventories, and widening affordability gaps—we must think differently about how to expand that access. Across the country, policymakers and lenders are debating bold ideas like 40- and 50-year mortgages to stretch housing payments over longer timelines. These conversations matter. They push us to rethink traditional structures and explore tools that might increase affordability. But long-term solutions require more than extended loan terms. They require creativity, collaboration, and a willingness to challenge what we think is possible. This article launches a new ongoing series called “Community Conversations,”  focused on advancing solutions that rebuild our neighborhoods from the inside out. The Affordability Challenge: A Barrier & an Opportunity Families across Dayton and similar cities face the same issues: Monthly payments outpacing incomes Construction costs continue rising Investor guidelines tighten cycles of exclusion Many residents don’t fit traditional lending models, even though they are hardworking and financially responsible As a Foundational Black American business owner and mortgage professional, I’ve seen how these factors disproportionately affect Black communities and underserved neighborhoods. Yet I also see opportunity—because the people in our communities have strength, resilience, and the desire to build generational wealth when given the chance. A New Approach: Strength Through Collaboration One of the solutions I’ve been developing is simple but powerful: Combine qualified borrowers to increase purchasing power and approval odds. This strategy—sometimes called shared equity, cooperative buying, or community partnership lending—allows: Multiple buyers to combine income Shared ownership structures that meet investor guidelines Greater affordability without sacrificing sustainability Families, trusted partners, or community members to acquire properties together Neighborhoods to anchor reinvestment from within rather than through outside speculation This is not a workaround. It is a strategic alignment of lending guidelines, borrower eligibility, and community goals that already exist within the rules. It simply requires a lender willing to structure the loan properly and borrowers willing to think collaboratively. In a world where affordability challenges grow faster than wages, collaborative buying may be one of the most overlooked levers for economic mobility. Financing as a Tool for Neighborhood Revival Revitalizing a neighborhood is not a one-year plan. It is a 10-, 20-, even 40-year commitment . The same way we view extended mortgage products, we must view community renewal as long-term, strategic, sustainable, and community-driven. Responsible lending can support neighborhood improvement through: Construction financing for new builds and infill development Renovation loans that modernize aging properties Energy-efficient upgrades that reduce long-term costs Smart technology integration that improves safety and maintenance My work with the Possum Creek Retreat development  reflects a similar philosophy—creating self-sustaining, energy-efficient, community-oriented living environments that uplift people while preserving affordability. The lesson is simple: if we build with intention, affordability can co-exist with quality, sustainability, and dignity. Why 50-Year Mortgages Matter in This Conversation Longer-term mortgage products will not solve every problem, but they may play a meaningful role when paired with: Smart construction strategies Innovative borrower eligibility pathways Modern underwriting aligned with real-life economics Community investment incentives Shared-purchase models A 50-year mortgage by itself is only a tool. But combined with thoughtful, community-centered lending, it can help hardworking families get into homes they might otherwise be priced out of—and stay in them. The Path Forward: Uplifting Our Communities One Block at a Time Revitalizing neighborhoods is not charity—it is economic development, public safety, and wealth creation all in one . But the people who live in these communities must be the ones who benefit first. Our mission at SLG | Sessions Lending Group  is to: Provide accessible financing Educate borrowers Build partnerships rooted in trust Create sustainable opportunities for generational wealth Support community-led redevelopment This is slow work. Intentional work. Faith-driven work. It is not about flipping houses; it is about flipping outcomes for families who deserve stability, dignity, and a future. With each article in this series, we will explore additional strategies, address real barriers, and share practical solutions. Because the truth is this: Communities do not change overnight. But they do change when we commit to rebuilding them together.

By Donerik Black and Erica Fields In the quiet corners of Dayton, the echoes of the Civil Rights Movement are not found merely in the pages of history books, but in the living testimonies of those who stood on the front lines. This Black History Month, Erica Fields and Donerik Black sat down with two titans of the local movement: Dr. Jessie Gooding, the “Lion of the Dayton NAACP,” and Dr. Anthony Whitmore, a strategic bridge-builder and the visionary behind MLK Dayton, Inc. While their paths famously diverged in 1984 when both sought the NAACP presidency, their lifelong destination has remained identical: a Dayton where equity is a reality, not just a slogan. Today, their insights are more than memories; they are survival tools. As the teaching of Black history faces unprecedented challenges across the country and national civil rights protections are being eroded, both men argue that documenting Dayton’s specific local history is no longer just an act of celebration, it is an act of resistance. To understand the weight of the work, one must first understand the dehumanizing landscape of the late 1940s that forged this resolve. Dr. Gooding recalls a Dayton where the lines of segregation were absolute and designed to break the spirit. To a young Black man in 1947, the downtown landscape was a series of closed doors; you couldn’t eat at lunch counters, stay in hotels, or even use a public restroom without a long trek to the police station or heading all the way back home. Gooding speaks candidly about the internalized inferiority complex that institutionalized racism was designed to create, noting that “we were taught to be inferior” and that extracting that mindset is a lifelong struggle. These indignities fueled a career of “calculated pressure” where Gooding’s legacy became etched into the very infrastructure of the city. He didn’t just talk about change; he forced it and spent his evenings working alongside other dedicated civil rights workers to address systemic issues across Dayton. Gooding became a fierce advocate for the hiring of scientists and engineers from Historically Black Colleges and Universities (HBCUs). He worked tirelessly to establish equal employment opportunity standards and sensitivity training, a program so impactful it became mandatory throughout the United States Air Force in the 1960s. Under his later 18-year leadership of the NAACP, the organization aggressively increased voter registration and pushed for sweeping reforms to end discrimination in education, employment, housing, and law. Dr. Anthony Whitmore, a student of these elders, views this legacy through a lens of collective genius. He reflects on a golden era of Dayton leadership characterized by an intentional, multi-pronged approach to justice. Whitmore brought a unique global perspective to this local struggle, having served as a Senior Administrator for USAID and a National Liaison for the Lesotho Water Highland Project in Africa. His extensive experience as the Governor’s Regional Director for Ohio’s Department of Development further sharpened his belief that social justice requires both high-level administrative strategy and a deep recognition of our global interconnectedness. In this era, leaders operated in a perfect, if unwritten, harmony. While varied—from the fire of grassroots activists to the calculated maneuvers of politicians and the diplomacy of boardroom advocates—they shared a common purpose. Whitmore notes that while one leader might meet the opposition in the street, another was simultaneously meeting them in the boardroom. This allowed them to carve out change from every possible angle. Whitmore’s own work has been to institutionalize this spirit, ensuring that the legacy of Dr. King is not a one-day event but a year-round mission through MLK Dayton, Inc., and fostering human rights through his deep connections across the community. However, both leaders express a profound urgency regarding the current social unrest. They warn that we are not just fighting far-away federal pressures; we are fighting local pressures in our own backyard. With the erosion of voting rights and the silencing of Black narratives in classrooms, the leaders insist that “the old tactics” must be dusted off. Dr. Gooding points to recent national uprisings as a reminder that people must still get in the street to demand the system’s attention, warning that a movement without a local memory is a movement without a foundation. In the spirit of Dr. King’s legacy, the leaders also challenged the role of faith and allyship in public life. While affirming the Black church as a cornerstone of Dayton’s community, they emphasized that faith must inspire action rather than replace it, warning against “feeling good on Sunday, dying on Monday.” Furthermore, they urged white allies to move beyond symbolic support and confront injustice within their own families and social circles, even when it leads to social discomfort. Perhaps the most stinging warning from both men is the danger of “arriving.” They discuss the irony of progress: as some achieved personal success, a sense of complacency set in. Dr. Gooding cautions against the “gatekeeper” mentality, where individuals who walk through the doors of success spin around and close the gate behind them rather than reaching back. “Too many of us feel we’ve got it made,” Gooding says, warning that the “mental” impact of the past remains even when the physical signs of segregation are taken down. As the conversation turned to the future, the advice for the next generation was one of radical ownership and reconnection to their roots. As national politics dominate public attention, the leaders stressed that the most immediate threats and opportunities still exist at the local level, including voter engagement and leadership accountability. Dr. Whitmore challenged the youth to understand that the movement is much bigger than any one individual, reminding us that true leadership is found in the “we,” not the “I.” He believes the next chapter of Dayton’s history will require the same courage, strategy, and unity that defined those who came before. His message is one of empowerment: young people are the “determiners” of what this city becomes, provided they carry the weight of their history with them. As we celebrate Black History Month, the lives of Gooding and Whitmore serve as a bridge. Their shared legacy reminds us that the work is not finished in the boardrooms or the ballot boxes alone; it is finished when the community remembers how to be together again. In the words of Dr. Whitmore, “If we don’t pass it on, we’re going to be left out here hanging.” In Dayton, the work of building that bridge continues, one story and one strategy at a time.

By: Wanda Haynes There is something powerful about seeing yourself reflected in spaces that once felt distant. For many African Americans, wine culture has often seemed exclusive, intimidating, or simply not designed with us in mind. That’s exactly why our newest columnist, Wanda Haynes, matters. Wanda Haynes is a national wine and leisure columnist whose passion is rooted not just in the glass—but in the joy of living. Origin Story Her love affair with wine began more than a decade ago. What started with curiosity—simply trying different wines—quickly evolved into studying flavors, exploring wine regions, attending tastings, and diving deep into the culture behind the bottle. Over time, she became a brand ambassador, educator, and certified sommelier. Yet, she found her true calling in storytelling. “I like to have fun and soak up joy,” she says, “then share the experiences with my readers.” For Wanda, wine isn’t just a beverage. It’s a lifestyle experience—one that pairs naturally with leisure, travel, and intentional enjoyment. Before she travels anywhere, she’s already researching the local wine bars and studying restaurant wine lists. Wine becomes both a lens and a passport. But her work goes beyond tasting notes and travel recommendations. During the pandemic lockdown, Wanda noticed something striking: rarely did she see Black faces in wine advertisements or visual storytelling. Rather than complain about the absence, she created her own presence. She studied photography and digital media, intentionally capturing urban aesthetics, Black men and women, luxurious textures, and settings that resonate with our community. Her message is clear: we belong here. A Cultural Lens on Wine In her upcoming columns, Wanda will explore wine through a cultural lens—addressing topics that matter to our readers. From navigating intimidating wine lists to understanding vintage differences, she aims to remove the fear factor. “Wine can be intimidating to all of us,” she admits. But her advice is refreshingly practical: ask questions, point to a bottle if you can’t pronounce it, and don’t feel ashamed. Most wine names come from other countries. Learning is part of the journey. She also challenges misconceptions within our community. Wine doesn’t have to be cheap to be enjoyable—but it doesn’t have to be expensive either. There is good wine at many price points. And while some prefer sweet wines, she encourages readers to gradually explore off-dry and dry selections as their palate develops. Her philosophy? Live your best life within your budget. Enjoy quality. Grow your taste buds slowly. Perhaps her most powerful message is about dignity and representation in travel and dining spaces. As African Americans continue to invest billions of dollars into restaurants and the travel industry, Wanda believes we should expect to feel respected and welcomed wherever we spend our hard-earned money. If not, she says plainly—go where you are appreciated. Wanda Haynes brings more than wine knowledge. She brings cultural awareness, joy, sophistication, and a reminder that leisure is not a luxury—it is a birthright. As she puts it: “Life is to be enjoyed and served on a silver platter; you’ll never be sorry you made it such a special matter.” We invite you to relax with Wanda in the weeks ahead. Pour a glass, open your mind, and explore wine—not as an outsider, but as someone who belongs at the table.