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INDIANAPOLIS, IN – The Federal Home Loan Bank of Indianapolis (“FHLBank Indianapolis” or “Bank”) today announced a new program to resolve and prevent ongoing heirs’ property issues in Indiana. Heirs’ property refers to land or property passed down among family members without a formal will or estate plan. The program, called “Indiana Heirs’ Property Initiative” will be administered by Indiana Legal Services and Prosperity Indiana in partnership with FHLBank Indianapolis, following a $500,000 grant provided by the Bank.
This announcement follows a December 2024 report and subsequent policy briefs published by FHLBank Indianapolis and Black Onyx Management. The report, titled “Turning Legacy into Opportunity: Overcoming Inherited Property Obstacles in Marion County and Allen County, Ind.,” found 1,410 existing impacted properties in Marion County, with an additional 3,181 properties considered ‘at risk’ of becoming heirs’ properties. In Allen County, the report uncovered 484 currently impacted properties, with an additional 1,525 considered ‘at risk.’ The combined value of at-risk properties in both counties totals more than $8.2 million.
“Research from Black Onyx Management revealed that heirs’ property is a widespread and growing risk to housing stability and generational wealth in Indiana. This partnership ensures the data leads to action by connecting families to education, legal support, and trusted resources that help protect homes and strengthen communities for the long term,” said Roxann Lawrence, VP of Applied Research, Black Onyx Management.
“Our partnership with Indiana Legal Services and Prosperity Indiana will support educational efforts and evidence-backed strategies that help at-risk homeowners in our communities access the full benefits of homeownership and help maintain the generational wealth they’ve worked hard to build,” said President and CEO of FHLBank Indianapolis Brendan McGrath. “As part of our core mission to promote affordable housing and community development, FHLBank Indianapolis is committed to providing solutions that promote housing stability in communities that might otherwise be at risk.”
The Indiana Heirs’ Property Initiative will focus on education, prevention and resolution for currently impacted properties. The Indiana Heirs’ Property Initiative will be administered by Indiana Legal Services and Prosperity Indiana, who will conduct outreach and educational programming to member financial institutions of FHLBank Indianapolis and additional community partners.
“Helping families protect and preserve their homes is essential to creating and maintaining general wealth as well as thriving communities,” said Aspen Clemons, Executive Director, Prosperity Indiana.
Indiana Legal Services will also provide free legal assistance, including estate planning and related litigation. Black Onyx Management, which conducted the research informing this year’s heirs’ property report and policy briefs, will remain engaged to provide ongoing data reporting and an impact assessment.
“Families shouldn’t risk losing a home simply because they’re unsure where to turn for help,” said Blair Hedges, Heirs Rights Attorney at Indiana Legal Services. “This initiative allows us to expand our services and offer free legal support to Hoosiers who need to make an estate plan, clear inherited title, or learn more about their rights. We’re committed to making sure every Hoosier knows that legal tools exist to help protect their homes and the communities they’ve built.”
More information on the program can be found online at www.fhlbi.com.
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Media contact information: For more information, contact John Bingham, SVP, MPP and Corporate Communications at FHLBank Indianapolis, at jbingham@fhlbi.com.
Federal Home Loan Bank of Indianapolis: Building Partnerships. Serving Communities FHLBank Indianapolis is a regional bank in the Federal Home Loan Bank System. FHLBanks are government-sponsored enterprises created by Congress to provide access to low-cost funding for their member financial institutions, with particular attention paid to providing solutions that support the housing and small business needs of members' customers. FHLBanks are privately capitalized and funded, and they receive no Congressional appropriations. One of 11 independent regional cooperative banks across the U.S., FHLBank Indianapolis is owned by its Indiana and Michigan financial institution members, including commercial banks, credit unions, insurance companies, savings institutions and community development financial institutions. For more information about FHLBank Indianapolis, visit www.fhlbi.com and follow the Bank on LinkedIn, and Instagram and X at @FHLBankIndy. Please note that content the Bank shares on its website and social media is not incorporated by reference into any of its filings with the SEC unless, and only to the extent that a filing by the Bank with the SEC expressly provides to the contrary.
Indiana Legal Services
Indiana Legal Services, Inc. (ILS) is a not-for-profit law firm and the largest provider of free civil legal assistance to eligible low-income people in Indiana. ILS helps clients in all 92 counties who are faced with legal problems that harm their ability to obtain basic needs such as food, shelter, income, medical care or personal safety. ILS also handles cases in other areas including family law where there is domestic violence, housing, consumer law, access to health care, and access to government benefits. ILS does not handle any criminal matters. Our mission is “to use the law to fight poverty and racism, empower clients, and improve access to justice.” Learn more at www.indianalegalservices.org. For legal help, go to https://www.indianalegalservices.org/applyonline/. For educational events, email Blair.Hedges@ilsi.net.
Prosperity Indiana
The Indiana Association for Community Economic Development d/b/a Prosperity Indiana builds a better future for our communities by providing advocacy, leveraging resources, and engaging an empowered network of members to create inclusive opportunities that build assets and improve lives. Since its founding in 1986, Prosperity Indiana’s network has grown to over 200 organizations, representing thousands of practitioners statewide from the public, private, and nonprofit sectors. For more information about Prosperity Indiana, visit ProsperityIndiana.org or follow on LinkedIn, Twitter/X, or Facebook.
Black Onyx Management
Black Onyx Management is a management consulting firm with a community focus. As experts in research and program design, Black Onyx Management specializes in crafting and executing impactful initiatives for nonprofit organizations, for-profit companies and local government agencies. Their areas of expertise include community health impact, applied research, communications and philanthropic initiatives. Guided by a commitment to excellence and philanthropy, Black Onyx Management collaborates with clients to unlock their potential and achieve measurable success. For more information about Black Onyx Management, visit www.blackonyxmanagement.com, and follow on LinkedIn, Instagram, and Facebook.
Full-time Hoosier workers need to earn $22.18 per hour to afford a modest, two-bedroom apartment at Fair Market Rent in Indiana. This is Indiana’s “2025 Housing Wage” according to Out of Reach, a report published jointly today by the National Low Income Housing Coalition (NLIHC) and Prosperity Indiana. The data for Out of Reach – Indiana 2025 finds that working Hoosiers are struggling to make the rent with an average renter wage of $18.05, with Indiana’s median renter household income of $43,672 that now ranks dead last in the Midwest, and with two-thirds of Indiana’s 20 largest occupations that fail to pay enough to meet the state’s 2025 Housing Wage.
Out of Reach, released annually, documents the gulf between wages and what people need to earn to afford their rents. The report routinely shows that affordable rental homes remain out of reach for millions of low-wage workers and their families. The report’s “Housing Wage” is an estimate of the hourly wage full-time workers must earn to afford a rental home at HUD’s Fair Market Rent without spending more than 30% of their incomes. In 2025, the national Housing Wage is $33.63 per hour for a modest two-bedroom rental home, with a mean hourly renter wage of $23.60.
Read the full ‘Out of Reach - Indiana 2025’ report on PI’s ‘Housing4Hooisers’ site.
Senate Enrolled Act 142 Introduces Automatic Sealing and Expands Eligibility Starting July 1, 2025
INDIANAPOLIS, IN – Starting July 1, Indiana tenants will benefit from significant improvements to the state’s eviction sealing law through Senate Enrolled Act 142 (Public Law 128), which streamlines the process for removing eviction records and expands eligibility for relief.
Key Changes Under the New Law
Automatic Sealing Process
The most significant change is mandatory automatic sealing for certain eviction cases. Going forward, Courts are required to seal eviction records without any action from tenants when:
Cases are dismissed
Judgments are entered in favor of the tenant
Judgments against tenants are overturned or vacated on appeal
This is a major shift from the previous system where tenants had to petition the court for sealing, though some courts were already implementing automatic sealing practices. However, even with this new process, tenants still need to ask the court to seal old cases.
Expanded Eligibility for Paid Judgments
The new law clarifies that tenants who have satisfied their financial obligations can petition for sealing of their eviction records. This includes cases involving judgments for possession, monetary damages, or both. Prior to this legislation, courts across Indiana differed in their interpretation of whether paid judgments qualified for sealing relief.
Seven-Year Sealing Option
The law also allows cases with final orders to be sealed where no money judgment was entered, provided seven years have elapsed since the entry of judgment. This expands the types of cases eligible for sealing beyond those that can be sealed immediately.
Impact on Housing Stability
These changes to the eviction sealing law will help Hoosiers achieve stable housing by reducing barriers created by eviction records, which create significant barriers to safe and secure housing. Legal scholars have described this phenomenon as the “scarlet E” that forever labels a renter a “bad tenant” and limits rental opportunity. Sealed eviction records are not accessible to landlords during tenant screening processes, providing individuals and families with better opportunities for safe and secure hosing.
“These improvements to Indiana's eviction sealing law are a significant step forward in helping tenants move past housing difficulties and access stable housing opportunities,” said Jenny Terry, Senior Attorney at Indiana Legal Services.
“Indiana’s expanded eviction sealing under SEA 142 will help put safe, fair, and affordable housing in reach for thousands of Hoosier households and their communities,” said Andrew Bradley, Senior Director for Policy and Strategy at Prosperity Indiana. “With some of the lowest rates of affordable housing, highest cost burdens, and highest rates of eviction filings in the Midwest, the improvements to Indiana’s eviction sealing law are one of the most significant changes to state housing stability policies in years. Prosperity Indiana and the Hoosier Housing Needs Coalition thank Senator Liz Brown (District 15) for authoring SEA 142, the broad bipartisan majorities in the Indiana General Assembly for passing the bill, and Governor Mike Braun for signing it into law,” Bradley said.
For more information about eviction sealing in Indiana, contact: Jenny Terry at jennifer.terry@ilsi.net
About Indiana Legal Services, Inc.
Indiana Legal Services, Inc., is the largest provider of free civil legal assistance to low-income people in Indiana. ILS helps clients who are faced with legal problems that harm their ability to have such basics as food, shelter, income, medical care, or personal safety. The nonprofit organization handles cases involving low-wage worker rights, domestic violence, housing, consumer law, access to health care, LGBTQ+ rights, and access to government benefits. It does not handle criminal matters. ILS was established in 1966 and today serves clients in all 92 Indiana counties. The mission of ILS is “to use the law to fight poverty and racism, empower clients, and improve access to justice.” Learn more atwww.indianalegalservices.org.
About Prosperity Indiana
The Indiana Association for Community Economic Development d/b/a Prosperity Indiana builds a better future for our communities by providing advocacy, leveraging resources, and engaging an empowered network of members to create inclusive opportunities that build assets and improve lives. Since its founding in 1986, Prosperity Indiana’s network has grown to nearly 200 organizations, representing thousands of practitioners statewide from the public, private, and nonprofit sectors. Learn more at www.prosperityindiana.org.
About the Hoosier Housing Needs Coalition
The Hoosier Housing Needs Coalition (HHNC) was formed by members of Indiana’s housing security advocacy community in April 2020 to support advocacy and education related to housing and homelessness prevention. HHNC convenes partners from across Indiana to advocate for immediate, medium- and long-term housing stability policy solutions and conduct education and research to achieve federal, state, and local policies. Learn more at www.prosperityindiana.org/HHNC.
INDIANAPOLIS, IN – With support from Lampco Federal Credit Union, Prosperity Indiana has been awarded a $27,500 grant through the Federal Home Loan Bank of Indianapolis's new Community Multiplier Grant Program This funding will support Prosperity Indiana’s ongoing work to expand access to affordable housing across the state.
“We are thrilled to partner with Lampco Federal Credit Union to deepen our support for Indiana’s community economic development sector and those on the front lines of tackling our state’s affordable housing crisis”, said Aspen Clemons, Executive Director at Prosperity Indiana. “The Federal Home Loan Bank of Indianapolis’s Community Multiplier Grant program is a best-in-class example of the power of collaboration for collective impact”.
The Community Multiplier Member Match program provides matching funds to Federal Home Loan Bank of Indianapolis members to support nonprofits meeting critical local housing needs. Prosperity Indiana will apply the funds to support the work of Indiana’s community economic development network to address Indiana’s affordable housing challenges.
“Lampco is proud to support Prosperity Indiana through the Federal Home Loan Bank of Indianapolis’s Community Multiplier Grant Program. We are committed to supporting our local nonprofits and increasing access to affordable housing throughout our footprint and throughout Indiana”, stated Migual Patterson, President and CEO of Lampco Federal Credit Union.
Prosperity Indiana looks forward to working with Lampco and other partners to turn this investment into lasting impact for Indiana communities.
The Indiana Association for Community Economic Development d/b/a Prosperity Indiana builds a better future for our communities by providing advocacy, leveraging resources, and engaging an empowered network of members to create inclusive opportunities that build assets and improve lives. Since its founding in 1986, Prosperity Indiana’s network has grown to nearly 200 organizations, representing thousands of practitioners statewide from the public, private, and nonprofit sectors.
About Lampco Federal Credit Union
Founded in 1962, Lampco Federal Credit Union is a member-owned financial institution based in Anderson, Indiana, dedicated to providing affordable, accessible, and
personalized financial services to the communities it serves. Lampco offers a full range of banking products, including savings, checking, loans, and mortgages, with a focus on member satisfaction and financial education.
INDIANAPOLIS, IN – Prosperity Indiana is excited to announce the renewal of its grant to participate in the Opportunity Starts at Home (OSAH) campaign, a program of the National Low Income Housing Coalition (NLIHC). This grant will further support Prosperity Indiana’s efforts to build multi-sector partnerships and advocate for stable, affordable housing solutions, particularly focusing on faith-based and veterans-serving organizations.
As a recognized affiliate of the OSAH national campaign, Prosperity Indiana will continue to collaborate with other state-based organizations, participate in cohort learning experiences, and receive access to valuable technical assistance and networks. The new grant will allow Prosperity Indiana to recruit and assemble an Engagement Team of faith-based and veterans-serving organizations and leaders, emphasized on educating the public about OSAH priorities, curating projects that express public support for OSAH-endorsed federal policies, and advocating for policies that advance housing justice and racial equity. "Organizations from all sectors have good reasons to care about Indiana's affordable housing crisis, and we've had great success building multisector partnerships to address it--especially in healthcare and among faith-based partners. We're very fortunate to receive continued support from the Opportunity Starts At Home campaign to continue this important work," said Prosperity Indiana Policy Manager Hale Crumley. The renewed OSAH grant will support customized advocacy plans for Engagement Team members, including outreach to the congressional delegation, op-eds, and social media promotion. Prosperity Indiana will continue to work with faith-based partners while expanding its efforts to include veterans-serving organizations.
Prosperity Indiana looks forward to continuing our critical work of advocating for housing policies that reflect the needs of our communities.
INDIANAPOLIS, IN – A new tool is available for Hoosiers seeking housing resources. Prosperity Indiana has released a new statewide map of available housing counseling resources. Households in need of information and guidance on how to rent or own a home can find U.S. Department of Housing & Urban Development (HUD) housing counseling services near them.
HUD Housing Counseling Agencies (HCAs) provide information, advice, and guidance for people who are seeking to finance, maintain, rent, or own a home. Housing counselors also assist those facing homelessness and homeowners in need of foreclosure assistance. HCAs and housing counselors can assist with educating clients on best rental practices, how to maintain a safe and healthy home, and how to prepare for future homeownership. HUD explains that HCAs and housing counselors play a critical role in serving cost-burdened renter households or households that may be facing an eviction by, “helping clients identify an affordable unit, providing information to renters on tenant rights and fair housing issues, counseling on household budgeting,” and more.
“The core mission of the map is to contribute information about HCAs in Indiana and the unique and critical housing counseling services they provide to households across the state. With this resource, we hope to increase awareness of HUD-HCAs in Indiana and to provide an interactive tool for residents to explore and access information about HUD housing counseling services near them”, said Aspen Clemons, Executive Director of Prosperity Indiana. You can access the map by clicking here or on Housing4Hoosiers. To learn more about an agency or organization, please click on a pinned point on the map, and expand the pop-up feature to access the following information: address, services and/or coverage area(s) (i.e. what county/counties or city/cities the agency or organization serves), website, and phone number.
Credits: (1) U.S. Department of Housing and Urban Development (HUD) Office of Policy Development & Research, Single Family Housing Counseling Agencies, HUD open data ArcGIS dataset & (2) U.S. Department of Housing and Urban Development (HUD) Office of Housing Counseling, HUD Housing Counseling locations map.
Recap: 2024 Regional Meeting Tour
Prosperity Indiana’s 2024 Regional Meeting Tour provided a unique opportunity to bring together community economic development stakeholders from across Indiana to strategize, connect, and learn. This year, the Prosperity Indiana team visited Fort Wayne, Gary, South Bend, Lafayette, Evansville, Jeffersonville, and Indianapolis. Our goal was to better understand local needs of our members and partners and to explore together how emerging trends are impacting communities throughout Indiana.
What We Learned
During our tour, we focused on fostering intimate conversations regarding trends in the Community Economic Development (CED) field and their effects on Hoosiers. We revamped our meeting format to give attendees more influence over the topics discussed. The three topics that resonated most with participants were:
Increasing Affordable Housing Supply or Developers: Addressing the needs for more affordable housing and engaging developers.
Changing the Narrative: Redefining Housing Affordability for Everyone
Strategies to Support Housing Stability: Developing practical approaches to ensure housing stability.
Key Insights and Engagement
Our tour highlighted a strong commitment from communities across Indiana. Participants shared updates on new and ongoing projects, addressed local challenges, and forged new relationships for partnership. Notably, we experienced a significant increase in engagement this year, with a 14% rise in registration.
Acknowledgments
We want to extend a special thank you to our 2024 Regional Meeting Tour co-hosts. Their dedication ensured that key players were present at each event, contributing greatly to the Tour’s success:
Bedford Collab
Brightpoint
City of Gary
City of Jeffersonville
Homestead Resources
HOUSE
Near Northwest Neighborhood Inc.
United Way Central Indiana & Indiana United Ways
Looking Ahead
As we wrap up this year’s tour, we’re excited to begin thinking about next year’s lineup of cities and potential emerging topics. Thank you to everyone who attended, our co-hosts, and host sites for their support. We look forward to continuing our work together and addressing the evolving needs of Hoosier communities!
INDIANAPOLIS, IN – Top community development leaders and programs across Indiana have been nominated for the prestigious Prosperity Indiana Awards. Winners will be announced at the annual Prosperity Indiana Summit on April 10th, 2024.
The Michael Carroll Community Economic Development Leadership Award, sponsored by First Financial Bank, and co-presented by Prosperity Indiana and the Indiana Housing and Community Development Authority, distinguishes an individual who has exhibited exceptional advocacy to further support the community economic development industry.
The John Niederman Rural Development Leadership Award, presented by Fifth Third Bank, is designed to celebrate outstanding leaders in the field of rural community economic development.
The Robert O. Zdenek Staff Member of the Year Award, presented by Brightpoint, recognizes the outstanding professional leadership and commitment of a staff person working for a community economic development organization.
The Key Award for Supportive Services Program of the Year, presented by Merchants Bank of Indiana, honors excellence, and innovation in a service-oriented (non-construction) community development initiative.
The Inaugural Policy & Advocacy Award
The Policy & Advocacy Award will be presented for the first time at the 2024 Summit. The award recognizes a member who works closely with Prosperity Indiana staff and policymakers, building relationships with legislators, local governments, and organizations serving their community.
Nominees:
The 2024 Prosperity Indiana Summit is open to the public and centered on building relationships and an equitable economy through policy, programs, performance, and philanthropic investments. Tickets to the awards luncheon on April 10, 2024, are available by registering at prosperityindiana.org/summit2024.
The Indiana Association for Community Economic Development d/b/a Prosperity Indiana builds a better future for our communities by providing advocacy, leveraging resources, and engaging an empowered network of members to create inclusive opportunities that build assets and improve lives. Since its founding in 1986, Prosperity Indiana’s network has grown to nearly 200 organizations, representing more than 1,000 practitioners statewide from the public, private, and nonprofit sectors.
Prosperity Indiana Selected for Opportunity Starts at Home Campaign
INDIANAPOLIS, Ind. February 16, 2024 — Prosperity Indiana announces its selection as one of seven new State Grantees for the national Opportunity Starts at Home (OSAH) campaign, marking a significant milestone in advancing the organization's commitment to affordable housing.
The OSAH campaign has awarded Prosperity Indiana a capacity-building grant to enhance its ongoing efforts in the state's housing coalition. The grant will be utilized to expand partnerships with stakeholders from various non-housing sectors, including health, education, racial equity, labor, food security, climate, faith, and anti-poverty sectors.
"Prosperity Indiana is grateful for the continued support of the National Low Income Housing Coalition through its Opportunity Starts At Home campaign. We are thrilled to have the chance to continue developing our multi-sector partnerships, including our pioneering work with Indiana faith-based leaders, who have been incredible champions for good housing affordability & stability policy in Indiana and nationwide," said Hale Crumley, Prosperity Indiana Policy Manager, who manages the OSAH campaign.
The new grantees were chosen through a competitive proposal process, demonstrating a strong commitment to advancing federal affordable housing solutions, amplifying racial equity, and expanding partnerships. By becoming state affiliates of the OSAH campaign, Prosperity Indiana and other grantees gain access to resources, multi-sector networks, and technical assistance.
“Today, the campaign celebrates nearly six years of working towards our shared vision of having a multi-sector movement in every state,” said Chantelle Wilkinson, national director of the Opportunity Starts at Home campaign. “As state partners continue to join our efforts, new coalitions of doctors, teachers, environmentalists, social workers, faith leaders, housing advocates, and many others are working together to urge policymakers to address a basic need – housing. This work is critical. It is powerful for Congress to hear from national advocates, but it’s especially powerful for them to hear from their own constituents in the states they represent.”
In addition to welcoming Prosperity Indiana, the OSAH campaign has extended grants to the African American Clergy Collective of Tennessee, Coalition on Homelessness and Housing in Ohio, Michigan Coalition Against Homelessness, North Carolina Housing Coalition, South Carolina Association of Community Action Partnerships, and Virginia Housing Alliance. As Prosperity Indiana continues this partnership, the organization encourages the community to follow their housing initiatives, including OSAH, through Prosperity Indiana's website, ProsperityIndiana.org/OSAH and on social media platforms.
Prosperity Indiana is a not-for-profit 501(c)3 organization formed in 1986 as the Indiana Association for Community Economic Development. PI is a network of approximately 200 organizations and individual members committed to advancing community economic development through our values of eliminating barriers, ensuring everyone has better opportunities to pursue the American Dream and prosperity for all.
Visit the Prosperity Indiana website and follow @ProsperityInd on Twitter.
INDIANAPOLIS, Ind. February 7, 2024 — Prosperity Indiana, in partnership with the Indiana Housing and Community Development Authority (IHCDA), announces the release of the latest version of Renting in Indiana, a handbook for tenants that is currently available online at Housing4Hoosiers.com. The updated handbook contains a step-by-step guide and informational how-to manual for renting in Indiana.
“Many individuals and organizations across the state work with Hoosiers to find suitable housing that will meet their immediate and long-term needs,” said Lieutenant Governor Suzanne Crouch, who also serves as Indiana’s Secretary of Agriculture and Rural Development. “The updated Indiana Tenant Handbook is a resource not only for renters and landlords, but for those that work daily to facilitate that crucial relationship.”
The new handbook, the first update since the beginning of the COVID-19 pandemic, walks Hoosier tenants through every step of the rental process; from looking for the right rental property to managing a potential eviction.
There are 774,845 renter households in Indiana. “We frequently get calls from tenants throughout the state regarding their rental and/or landlord relationship. Many renters are unsure of what their lease states, what their landlord can legally do, or what their legal rights as tenants are. This has highlighted a need for additional resources and education not just for Hoosier renters, but also for landlords, service providers, and lawmakers,” said Aspen Clemons, Executive Director, Prosperity Indiana.
Renting in Indiana: A Handbook for Tenants is a general guide to help Hoosier renters make smart choices and make renting in Indiana a positive experience. The handbook walks a tenant through the entire rental process beginning with how to budget and determine how much monthly rent you can afford, how to make a list of needs for your rental property, and what to look for when viewing potential properties. The handbook reviews several types of leases; common leasing clauses, what to look for, and how to negotiate lease terms with a landlord. The handbook also outlines tenant responsibilities, best practices for good landlord-tenant relationships, how to communicate issues with your landlord, and what resources are available for a tenant when an issue arises. The newest addition to the handbook also includes a section focused on handling eviction. In the past year, there have been 74,727 eviction filings in Indiana.
Renting in Indiana includes additional resources such as worksheets as well as provides information on organizations that offer assistance on issues ranging from discrimination to domestic violence support.
“This was truly a collaborative effort, bringing together legal aid partners, service providers, and housing advocates to provide our Hoosier renters with the most comprehensive guide on how to be a successful tenant in Indiana,” said Marie Beason, Capacity Building Director, Prosperity Indiana.
Renters can access the Renting in Indiana handbook either here on the Housing4Hoosiers website or on Prosperity Indiana's website.
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