The privately funded Healthy Rowhouse project is another initiative that recognizes the real risks of houses in disrepair. It was created by the Design Advocacy group, and now is run by the nonprofit financial service Clarifi, to help generate better policies that connect health and housing. It argues that a small loan or grant for repair is far more inexpensive, and efficient, than the human and financial costs of abandoned houses: more vacant properties, and families and children traumatized by constant moves or homelessness.