In 2023, the U.S. reported over 650,000 people experiencing homelessness nightly, yet billions spent through NGOs often yield high administrative costs, with Seattle’s 2022 audit showing 40% of funds lost to overhead. Housing-first models, such as those reducing chronic homelessness by 80% according to a 2020 University of California study, suggest that direct investment with strict oversight works better. What are the most effective strategies for implementing housing-first programs and community-led initiatives, such as tiny home villages, while ensuring transparency and minimizing reliance on unaccountable organizations?

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