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A Strategic Simulation Briefing Book - HDF: Housing Development ...

A Strategic Simulation Briefing Book - HDF: Housing Development ...

46 Up front costs •

46 Up front costs • Owners may have insufficient cash and be unable to borrow to make improvements such as adding insulation or replacing HVAC systems • Barriers are likely greatest for low-income households and landlords of small rental properties • Unsubsidized, unsecured financing for energy efficiency measures tends to be high cost and short term, leading to negative net impact on borrower cash flow (debt service is greater than energy savings) EXAMPLE: homeowners who already have high debt ratios, or whose homes have declined in value, can‟t borrow a home equity line of credit for energy improvements even if the energy savings from the improvements will be greater than the debt service on the new loan.

47 ABILITY TO CAPTURE THE VALUE OF ENERGY-EFFICIENCY IMPROVEMENTS UPON RESALE • Homebuyers receive information on utility costs but no information on the energy performance of the home relative to other homes of the same size • Neither home nor multifamily appraisals provide a detailed evaluation of energy costs • The energy efficiency of a home is usually not taken into consideration when underwriting a mortgage loan Source: “The American Response to Climate Change: Buildings and Appliances Working Memorandum.” USClimateAction.org, 2008.

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