NACAview
Zillow, Redfin and Realtor.com listings, every one checked against the census-tract rule NACA lives by and priced at NACA’s own rate — 100% financed, no PMI, no closing costs. Links go straight to the listing.
A non-priority member may only buy where the census tract earns under the area median. Homes outside those tracts are not shown here at all — what you see is what a NACA loan can buy.
Every home carries the walk to its nearest station, plus drive, transit and walk times to the places you actually go.
Principal, interest, tax and insurance at NACA’s rate on the full price — and the income it takes at NACA’s 31% ratio. Every input is on the card, dated.
“NACA is the best mortgage in America if you qualify — and the hardest to shop for. The rule that decides where you can buy lives in a census-tract lookup, not on any listing site. So I put the map under the listings.”
— The Dude that made this
Built on the SawTheSign shell, for people working through NACA’s program. Not affiliated with NACA.
No accounts. No tracking. Nothing guessed — a blank means we don't know, and we say so. Read the pledge · See every source
A Black person, in the business of helping others.
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New things, fixed things, and things we got wrong — newest first, in plain language. If something here should be on this list and isn’t, tell me.
Have a suggestion, or spotted something off? The feedback form goes straight to the person who built this — specifics beat politeness.
Every question has a quick answer. Click More detail for the exact method, source and caveats — nothing on this page is a black box, and nothing here is financial advice. NACA’s counselor has the final word on every number.
What is a NACA mortgage, and why a separate site for it?
NACA (the Neighborhood Assistance Corporation of America) lends 100% of the price with no down payment, no closing costs, no PMI and no credit-score requirement, at a below-market fixed rate. The catch is a rulebook no listing site shows — so this one puts the rulebook under the listings.
NACA is a non-profit HUD-certified counseling agency with its own mortgage product, funded by bank commitments. Qualifying is a counseling process (budget, payment-shock savings, on-time rent history) rather than a credit-score gate. Two things about it change what you should be looking at: who you are (priority or non-priority member, below) decides your rate and where you may buy; and the payment is on the full price, since nothing is put down. Both are worked out on every card here. This site is not affiliated with NACA; the program’s own terms are at naca.com and change — the assumptions this build uses are dated on the Sources tab.
Priority vs non-priority member — which am I?
If your household income is at or under the area median family income, you are a priority member: lower rate, buy anywhere. Above it, you are non-priority: higher rate, and you may only buy in a census tract whose median income is under 100% of the area’s.
The area is the HUD metropolitan division: Los Angeles–Long Beach–Glendale ($108,100 in the 2026 tables) or New York–Jersey City–White Plains ($108,300). A non-priority member can still become priority by buying in a priority tract. The toolbar’s tier switch defaults to non-priority; flip it and the tract filter stands down and every payment moves to the priority rate.
What does “NACA-eligible tract” on a card mean?
The home sits in a census tract whose median family income is under 100% of the area median — where a non-priority member may buy. Hover the tag for the tract number and its income as a share of the median.
Every home is placed in its tract by point-in-polygon against the tract map built for the NACA brief (2,328 LA County tracts, 2,324 NYC tracts). The income figure is a proxy from the Census Bureau’s ACS 2019–23 estimates; NACA itself uses the FFIEC census lookup, which is updated on its own schedule. Tracts within a few points of the line can differ between the two, which is why the tag says estimate and the counselor’s lookup decides. Homes outside every mapped tract (the far edges of LA County, some waterfront) show “Outside mapped tracts”, not a guess either way.
What is a “Level 2” area?
An eligible tract where small multifamily buildings are a large share of the homes — the places where a duplex-to-fourplex is likely, and with it NACA’s rule that 75% of a tenant’s rent counts toward your qualifying income.
Los Angeles: 15% or more of homes in 2–4 unit buildings (ACS). New York: 30% or more of lots are pre-1930 rowhouses (city PLUTO data), the building stock that was built as two- and three-families. The threshold is a map convenience, not a NACA rule: any 2–4 unit home anywhere eligible gets the rent credit. The blue shading on the map and the Level 2 areas switch are the same set.
How is the monthly NACA payment on each card worked out?
Principal and interest on the full price at NACA’s 30-year rate for your tier, plus a property-tax allowance, an insurance allowance, and the HOA where the listing states one. Hover the number for every input.
Rates: 6.875% non-priority, 5.875% priority (NACA’s sheet as read on the date shown in Sources). Tax: 1.2% of price a year in LA (Prop 13 resets at sale); about 0.9% in NYC, which is a rougher assumption because the city bills on capped assessed values — check the actual bill on the listing. Insurance: a flat $200 a month allowance, not a quote. The buydown line on each home’s sheet shows what a quarter-point costs (1.5% of the loan). None of this is a pre-approval; it is the arithmetic NACA’s own worksheet does, run in advance so you can compare homes.
And the “income needed” number?
The gross household income at which that payment is 31% of your income — NACA’s standard housing ratio. Type your own income in the toolbar and the list narrows to what fits.
NACA underwrites a housing-payment ratio of roughly 31%–35% and a total-debt ratio of about 40%–43%, decided in counseling. The card uses 31%, the conservative end; each home’s sheet also shows 35%. Your other debts are not known here, so a home that “fits” is a starting point, not a decision. On a 2–4 unit home, 75% of the tenants’ rent is added to income — shown as a rent credit where Zillow publishes a rent estimate for the building.
Where do the homes come from?
Zillow and Redfin, read directly; Realtor.com, read from pages saved out of a real browser. One card per address, with a pill for every site that carries it.
Zillow’s search page is fetched cell by cell over the eligible tracts and its embedded results read. Redfin’s own CSV export is used (it notes that some MLS listings are excluded). Realtor.com blocks every automated route from this machine, so it is browser-assisted: pages saved from a browser are dropped in and read — when none have been, the source shows as zero rather than being faked. Homes are merged on street address and ZIP; when two sites disagree on price, each pill shows its own. Lots, manufactured homes and co-ops are left out because NACA does not finance them.
How current is this?
The stamp in the footer is the time the homes file was built. Prices move and listings go pending daily; the link on each pill opens the live page.
Days-on-market comes from the source that listed the home. There is no pending/sold tracking yet — a home that went under contract this morning may still be here until the next build.
What are the safety bands and the commute chips?
The same layers as SawTheSign, the rental site this is built on: police open-data incidents within 0.8 km, ranked against that site’s cut points; walk to the nearest rail station; and drive / walk / transit times to places you set.
Los Angeles bands exist only where LAPD or Long Beach PD publish incidents (LA city and Long Beach); everywhere else says “No data”. New York uses NYPD complaint data citywide, ranked against cut points set on a small Brooklyn/Queens rental sample — so most Staten Island blocks read “Safer” by comparison, which is honest about the numbers and says nothing about the block on its own. Transit and commute estimates are straight-line with a road factor; they are for comparing homes, not planning a trip.
What is the dashed “future transit” chip?
The nearest rail or bus-rapid-transit line that is under construction or planned, with the walk to it and the target year. Buying near a line before it opens is one of the few ways a NACA buyer gets appreciation on a schedule.
Los Angeles: seven Metro projects (D Line to Westwood, East SFV light rail, Southeast Gateway Line, NoHo–Pasadena BRT, C Line to Torrance, Sepulveda corridor, Vermont BRT). New York: Second Avenue Subway Phase 2, the Interborough Express, and Penn Station Access’s four Bronx stations. Each is a hand-drawn line through the announced stops, so the distance is to an approximate alignment, not to a station entrance; targets are the agencies’ own and slip. Filter under Commute, sort by Closest to future transit, or start from the landing’s Near future transit chip.
A glossary of everything on a card and a popup
Short definitions, in the order you meet them.
If I do this, what happens?
NACA’s program has hard lines. These are the ones that catch people, in if-then form. The full set, with the renting and Airbnb rules for both cities, is on the NACA Rules page. The counselor has the final word.
What are the tax implications of buying, and of renting out units?
Owning: mortgage interest and property tax may be deductible if you itemize. Renting units: that income is taxable, but the rented share of your costs and depreciation come off it. Selling: a large capital-gains exclusion on your own home, but not on the rented part. General information, not tax advice.
Buying and owning. Mortgage interest on up to $750,000 of loan and property tax (within the federal SALT cap) are itemized deductions on Schedule A - worth something only if they beat the standard deduction. Points paid for a buydown on a purchase loan are generally deductible in the year paid. Los Angeles resets property tax to the price under Prop 13; New York assesses Class 1 homes on a capped fraction of value, so the bill on the listing is a better guide than a rate.
Renting units in a 2-4 unit home. Rent is income on Schedule E. Against it you deduct the rented share of interest, tax, insurance, repairs, utilities you pay, and depreciation of the building's rented portion over 27.5 years - which often leaves little taxable profit early on. Losses are limited by the passive-activity rules ($25,000 allowance phasing out above $100,000 of income). Depreciation is recaptured at up to 25% when you sell. Local rent rules (LA's Rent Stabilization Ordinance for pre-1978 buildings of 2+ units; NYC's certificate-of-occupancy and housing-code rules) decide what you may charge and how you may end a tenancy.
Selling. Gain on your own home is excluded up to $250,000 (single) or $500,000 (joint) if you lived there 2 of the last 5 years; the rented units' share is taxed as investment property. Sources: IRS Publications 523, 527 and 936; the cities' housing pages. As of 2026.
How is this funded?
It’s free and stays that way. A nights-and-weekends project on the SawTheSign shell, built by someone going through NACA’s own process.
No accounts, no tracking, no ads, nothing collected or sold. Listings are never ordered by who paid, because nobody can pay. Not affiliated with NACA, Zillow, Redfin or Realtor.com.
Every company below runs its own public listings portal we found while building this site — not just the ones with units currently showing above. Included in case they also list somewhere you're searching later. This is a sample, not a census: one business-directory database counts roughly 2,400 property management companies in the city of LA alone, and roughly 900 in San Diego — a search-based sweep like this one will always be a small fraction of that. Addresses come only from a company's own contact page; a blank one means we haven't found it yet, never a guess.
Found two ways: fingerprinting which listing-portal platform a company runs (Buildium, AppFolio, etc.) through targeted searches per area, and reading job postings that name a property-management platform as a required skill, then following each hit back to the company's own site for its address. This is a working, expanding log, not a claim of completeness. For scale: one business-directory database (dated April 2026, its own classification — not independently verified) puts California alone at roughly 9,800 property management companies, ~2,400 in the city of LA and ~900 in San Diego. Southern California has far more property managers, of every size, than any search-based sweep will ever fully catch. Full write-up on FAQs, full source list on Sources.
Every NACA-eligible home for sale in the current market, as gathered from Zillow, Redfin and any captured Realtor.com pages — the same rows the map and cards draw from, with nothing the toolbar filters hide. Blank cells mean the source didn't state it; nothing here is guessed. The NACA payment column is the estimate explained on each home's sheet. Safety figures exist only where a police agency publishes open incident data — elsewhere the column honestly reads “No data.”
Pick a company. The takes below are what people actually say on forums (every one linked to its source); the numbers beside them are ours, computed from this build's own listings. Straight-line distance is not drive time. Want a company added? Ask via Add a Space · Feedback - entries only exist after a real research pass, never generated on the spot.
Every listing site shows you homes. None of them show you the rule that decides whether a NACA loan can buy one. This one does — and runs NACA’s arithmetic on every card so the comparison is between real monthly numbers.
A non-priority NACA member may only buy in a census tract under 100% of the area median income. Those tracts are shaded on the map and tagged on every card, so the first question is answered before you click.
Turn the filter off to see what you’re not being shown.
100% financed, no PMI, at NACA’s rate for your tier — with tax, insurance and HOA on top. Hover any number for every input; open a home for both tiers and the buydown cost.
The income it takes is on the card too.
Duplexes to fourplexes carry a 75% rent credit under NACA. Level 2 areas mark where the housing stock makes them likely; the 2–4 units filter isolates them.
One click from the landing.
Zillow, Redfin and Realtor.com merged on the address. Each site that carries the home gets a pill; a price that differs between them is shown, not averaged.
Links go to the listing, never to a lead form.
Rates, ratios, tax and insurance assumptions are in one dated file and printed on the Sources tab. A tract on the line says estimate. A home outside the map says so.
The counselor’s number wins, always.
Rail walk, commute chips to your places, safety bands from police open data, and a map that follows the list — inherited from SawTheSign, the rental site this is built on.
No account, no tracking — the pledge holds here too.
The program’s own rules, what breaks the loan, and what applies the day you rent out a unit or a room — Los Angeles and New York side by side. General information compiled 4 September 2026 from NACA’s published program terms and the cities’ own pages; not legal, tax or lending advice. Rules move: anything marked verify should be checked against the source before you act on it. The NACA counselor decides everything about the loan.
NACA is fine with this — it is the model the rent credit is built for. The rules below are the cities’, and they decide what you may charge, how you may end a tenancy, and what you must register. Which set applies depends on the building’s age, size and the city it sits in.
NACA first. NACA publishes no Airbnb-specific rule; the rule that governs is owner-occupancy. Renting a room while you live there does not by itself break it; renting the whole home, or spending most nights elsewhere, does. Ask the counselor before you list anything, and tell your insurer — a standard homeowners policy excludes paying guests. verify with NACA
NACA program terms and rate sheet (naca.com, read 4 Sep 2026); the NACA brief in this project; City of Los Angeles Housing Department (RSO, Home-Sharing Ordinance); California Civil Code 1946.2 / 1947.12 (AB 1482) and 1950.5 (deposits, AB 12); LA Office of Finance (business tax); NYC HPD, DHCR and the Office of Special Enforcement (Local Law 18); NY Housing Stability and Tenant Protection Act (2019); NY Good Cause Eviction law (2024); NYC Fair Chance for Housing Act (2025); IRS Publications 523, 527 and 936. Compiled 4 September 2026; rules change, so the source wins over this page.
Every layer on this page, one row each: what it is, where it is actually pulled from, and what to know about how current or complete it is. The only external service the page talks to on its own is the address lookup, on its own row.
This is built by one person and it's openly incomplete — missing companies, missing addresses, a listing that's wrong. Both forms below go to a review queue; nothing you submit appears on the site until a human has checked it.