CTNF Investments Inc.

Yes. Verify our IRS status with our EIN: 92-1776414.

Changing The Narratives Fund.

We are the only nonprofit firm that has created a financial projection & revenue strategy document that outlines how we will house all 22,000 youth exiting foster care each year in the United States. While other nonprofits are doing great work to end youth homelessness, they can’t produce a financial projection with data showing how they intend to get there.

We can.

And it shows how we end youth homelessness in 68 cities in the United States with populations over 300,000. You won’t hear or see a document like that from other nonprofit organizations with missions to end youth homelessness (check their IRS 990 forms or request one from their website).

To request a copy of our document, just reach out.

Young adults in foster care are at a high risk of youth homelessness, which in turn, creates our chronic adult homelessness problem. Half of them will experience homelessness within 2 years. This fact has created a pipeline of young adults from foster care to homelessness.

We’re here to shut down that pipeline and create better communities as these young adults will not roll over into our chronic adult homeless population in their 30s and 40s. Over time, the number of chronic adult homeless people in any given area will taper off and begin to go down.

If we do not shut down this pipeline, we will never end youth homelessness. And we surely won’t solve the chronic adult homelessness problem in our cities with 23,000 young adults exiting foster care each year. It’s why we are pouring billions of dollars into the problem but the numbers aren’t going down.

Just because a young adult is in foster care doesn’t mean they won’t turn 35 years old with a spouse or a partner with 2 young children to support. Still looking for a safe place to live. And that’s exactly what’s happening.

We’re here to fix that.

As we are helping young adults in foster care, we’ll use a portion of our revenue and profits to financially support homeless youth with rental assistance, supportive services and onboarding them into our property units. We believe we can walk and chew gum at the same time.

After reaching the age of 18, 20% of the children who were in foster care will become instantly homeless.

Only 1 out of every 2 foster kids who age out of the system will have some form of gainful employment by the age of 24.

There is less than a 3% chance for children who have aged out of foster care to earn a college degree at any point in their life.

7 out of 10 girls who age out of the foster care system will become pregnant before the age of 21.

About 1 in 4 kids who age out of the system will not graduate from high school or be able to pass their GED.

Despite all of the challenges, 70% of foster kids regularly say that they would like to attend college one day.

Only 6% of kids who age out of the system will attend an institution of higher learning and only 50% of them will be able to graduate with a degree.

The odds are not in their favor. And we’re here to put the odds back in their favor.

Yes. We have a Capital Investment Plan (CIP) which outlines our how we will use our capital to provide housing for young adults in foster care.

Since capital is different than revenue, our capital is used for property acquisitions and our revenue is used for rental assistance & supportive services.

We value our financial resources and the generosity of our community who give to our worthy cause. There is a financial plan for every dollar we collect.

For a copy of our CIP, just reach out.

Over 97% of wealth is held in assets other than cash which makes up only 7% of the wealth in the U.S. Only 3% and 7% of nonprofits with annual revenue <$1M and >$100M, respectively, work with noncash assets.

While 93% of nonprofits compete for 7% of the cash in the market, we have little-to-no competition in the noncash asset investing space.

CTNF Investments Inc is the first & only nonprofit firm on a mission to end youth homelessness by offering investors to make their charitable contributions into our firm primarily with their noncash assets such as stock and real estate.

For those who are unable to invest noncash assets, they’ll be able to make cash investments online on our website.

Just click the “Contribute” button.

We measure our performance by how well our young adults in foster care are doing across 5 key outcome areas and over 15 indicators of a successful journey into young adulthood:

Key Areas:

• Housing

• Education/Job Skills

• Economic Well-Being

• Holistic Health

• Family & Community

Indicators (including but not limited to): homeless episodes, hours worked at job, employment income, bank accounts opened, public assistance use, positive adult connections, volunteer hours, medical checkups, dentist appointments, pregnant or births, law enforcement involvement, hair care, anxiety/depression episodes, meeting neighbors, etc.

We conduct a pre-post outcome study which builds a foundation for an impact evaluation of our approach. The analysis accomplishes the following as it pertains to young adults receiving help from our organization:

• Quantify how their outcomes change over the course of a study.

• Compare how their outcomes change between entry (baseline/pre) to exit (follow-up/post). Differences in outcomes from baseline/pre to follow-up/post represents individual change.

• Aggregate this difference across all young adults which will quantify how outcomes changed on average.

We use statistical analysis methods, such as regression analysis, so that we have a 95% level of confidence that our outcomes are working to solve the problem. They can be measured, validated and replicated in communities across the U.S.

And you won’t find that in most nonprofit organizations.

Yes. We prefer you do just that. You can invest your noncash assets in our firm for socially responsible, impact investing. Examples of noncash assets you can invest in our firm are stock and real estate. And if you have a great art collection or undeveloped land, we can take those assets too!

Default thinking in philanthropy is to give cash but it is one of the most inefficient tax strategies in the market today. Cash isn’t king. Your investment in our cause does not have to come from your checking or savings account. There are other ways to support our cause. Your real estate in Florida or California is fair game.

Here’s an example. If we ask you for a $50,000 investment, you may say, “No, I don’t have that much cash available. It’s just not the right time.” But if we ask you for a $200,000 investment of your noncash assets such as a piece of property or Apple stock, you might say, ‘Well, why didn’t you ask me earlier? I didn’t know I could do that. Absolutely!”

When you invest stock or property in our nonprofit firm, we both don’t have to pay any capital gains tax on the appreciated amount. And if it’s stock, you receive a greater tax write-off at the market value of the stock upon your investment, regardless of what you bought the stock for.

We raise more money. We change more lives.

Yes. We prefer you do just that. Cut to the chase. If you contribute highly appreciated real estate to our nonprofit firm, you may potentially eliminate capital gains tax on the appreciation and be entitled to a fair market value tax deduction for the investment. A qualified appraisal is generally required to substantiate the fair market value.

It can make sense to donate real estate that meets the following criteria:

• The property has been held for more than a year and has appreciated significantly.

• The property is marketable and relatively easy and cost-effective to liquidate.

• The property is debt-free.

• You, as the owner, are willing to irrevocably transfer the property to the charity, which will negotiate the sale price and control the sale, often using an experienced intermediary.

• Sale negotiations have not proceeded to the point at which the IRS would consider it a prearranged sale, which could result in you bearing the tax liability for any gain on the sale.

These criteria most often apply to investments of a primary or secondary home or other residential property.

No. This is not a short answer so grab a blanket and a drink.

We believe if a young adult in foster care needs food or clothes, we’ll arrange a grocery shopping trip or send them cash through Venmo. We’ll pay for it.

We’re de facto parents to them. All of our approaches are parent-based solutions. If we’re not accepting food or clothing from food pantries or hand-me-downs to feed or clothe our own biological children, we won’t subject the young adults in foster care to it.

Not to say there’s anything wrong with food pantries or thrift stores. People really need them. But we want to elevate the level of our supportive services so that they are not attached to poverty-based solutions. Our young adults in foster care deserve better.

We want our help to look and feel like the help of any other young adult in their community who have the financial support of their parents and relatives. Being in foster care is hard enough to try not to stick out like a sore thumb. If their friends in school or at work are Door Dashing for dinner, and they’d like to join but don’t have the money, then we want to help them to Door Dash too.

Poverty-based solutions are just not our cup of tea. We work with large distribution companies to purchase ongoing supportive service items, such as household items, diapers, beds, etc. at discount prices shipped directly to them. Or, again, we just jump on Amazon and with a couple of clicks, the items are there at their house.

Foster care teaches young people learned helplessness. And they are not helpless young people. We leave it up to them as to how they want us to help them. Help restore some pride, dignity & decision-making that is lost while living in foster care. And they’ve suffered way too much loss already.

If you have food or clothing you’d like to give, contact United Way by dialing 2-1-1 to find a local nonprofit serving young adults in foster care in your area.

No. We believe aggregate living of 4 or more people in a home should be a choice. And a choice most, if not all, young adults in foster care would prefer not to stay in.

And you don’t shelter people. You shelter puppies. And cats. Not people. It’s inhumane.

If they want to live with roommates, or have a young family, we’ll purchase 3/2 single family homes as a housing option. If they want more independence, we’ll purchase apartment complexes with on-site adult help in one or two units.

But in no way will your investment in our nonprofit firm be used to develop or build homeless youth shelters. Absolutely not.

However much they need and for as long as they need it (within reason). We financially support them in a prudent & reasonable way like any other parent would support their children who are now young adults.

We are there for them as a financial safety net as they transition into young adulthood. If we buy a home for them, they can stay in it as long as they want (as long as they can pay the rent!). Once they become financially stable with our rental assistance, we can introduce them to become homeowners themselves.

We do not provide handouts. We expect our young adults to transition into young adulthood successfully. But if they fall, and many of them will, we’re here to help. Just like a parent.

We provide free mental health counseling, educational support, employment assistance, transportation, mentoring, food delivery or any other kind of assistance necessary to keep our young adults thriving in your community. These supportive services are fully integrated into our firm with the latest technology making the delivery of support fast, frictionless & free of community referrals.

Many of these costs are automatically included in the financial terms of our property acquisition deals. Operating expenses are necessary costs to consider when underwriting real estate for investment purposes. Instead of investing in expensive rooftop pools, dog parks & pool-side bars, we invest directly into the lives of our young adult tenants to ensure their well-being.

We take care of our young adults in foster care. If they need help, we help them.

Yes. We provide help to young adults in foster care between 16-26 years of age. Most, if not all, nonprofit organizations serving this population has age requirements up to 24 or 26 years of age. Many young adults at that age still need the financial help from their parents. On a case-by-case basis, we are willing to provide services to young adults up to the age of 30.

Nearly a third of Americans between the ages of 18 and 25 — part of what is collectively known as Gen Z — live at home with their parents or other relatives, according to a study, and they considered it a long-term housing solution. The analysis comes courtesy of Credit Karma, a personal finance platform, which surveyed 1,022 young adults in the United States online between June 10 and June 15 of 2022.

Some young adults will need more help than others. And if they reach us at the age of 27 or 28, it may take until the age of 30 to successfully transition into young adulthood.

And we’re okay with that.

Yes. We provide agencies and nonprofits a pathway to 100% of successful exits into permanent housing by the young adults they serve in the community. We can purchase a single family home, condo, townhome or apartment complex on their behalf. We launch our acquisition service when we have sufficient cash flow for a target city, county or state. So when we start helping, it sticks. It holds.

We have a network of over 50 private investors who have access to capital for real estate investments. All we need is a one-time service fee to be paid by the agency, nonprofit or other fiscal sponsor such as a private foundation, bank or other investor.

Post-acquisition, we can lease the units to the agency, the nonprofit or directly to the young adult. If the agency or nonprofit needs more properties, we can acquire them at no additional cost to them. It doesn’t matter if they need 1 or 100 more properties, our capital partners have access to capital for real estate investments at scale.

The goal is to keep buying properties in a target area until every young adult in foster care has a safe permanent place to live. And we keep helping until every foster care youth signs a lease on their 18th birthday.

Living up to our name - changing the narratives with our funds.

No. We do not create and manage waiting lists or turn young adults away because of funding issues.

We launch our acquisition service when we have sufficient cash flow for a target city, county or state. So when we start helping, it sticks. It holds. No one is placed on a waiting list. No one is turned away.

Our capital partners have access to funding to scale acquisitions from 1 property to 100 or more properties. We plan with the foster care agency and their nonprofit partners to figure out how many properties we need to purchase so that every young adult in foster care has a safe place to live.

We can purchase in phases or all at once. We leave that up to the agency & nonprofits. If the foster care agencies & nonprofits are not working with us as partners, we’ll determine a launch date ourselves.

Launch areas and dates will be updated on our website.

Our capital is used for housing solutions where we acquire properties. We use our revenue to provide rental assistance and supportive services to young adults in foster care.

Just reach out. We’re here to help.