From the article:

“We call these homeowners ‘house-rich and cash-poor,’” said Tracy Powell, vice president of community services for Covia (formerly Episcopal Senior Communities), which runs the Home Match program in San Francisco along with Northern California Presbyterian Homes & Services. “They have the house, but their maintenance, taxes, food and medical costs are all going up. So bringing in a lodger at $1,000 a month can make the difference between keeping or losing it.”

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But finding a compatible housemate involves much more than just agreeing on pets, smoking, visitors and other deal-breakers, said Max Moy-Borgen, director of Home Match Contra Costa. “There’s a lot more that comes into play when you are living together with someone than just a standard rental where you’re living on your own,” he said. “But when everything clicks, it means that people are really enjoying the arrangement and it’s a good fit.”

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In-person home-sharing services like Home Match counter that they have the advantage of face-to-face contact with applicants and knowledge of local conditions — and that their services are often free.

In San Francisco, for example, where the program is supported by the Mayor’s Office of Housing and Community Development, Home Match created a model contract that can be canceled with a simple written notice, not a time-consuming eviction. And, because Home Match checks back regularly with both homeowners and lodgers, it can step in to mediate if their needs change.

When Kevin Wallace, a 67-year-old San Francisco remodeling contractor, first took in a lodger last year, for example, it was partly to help him take care of his wife, who suffered from dementia. After some months, however, his wife’s condition worsened and she had to go into full-time care. So Christine Ness of Home Match sat down with the pair to re-negotiate their contract.

Now the lodger, 72-year-old Elizabeth (she asked that her last name not be used), a retired Montessori teacher, pitches in on chores in exchange for her $350-a-month room in Noe Valley. “My son from Cambodia came home for a visit recently and said, ‘Hey Dad, the house looks great. Make sure you keep Elizabeth,’” Wallace said.

Elizabeth, meanwhile, figures she spends about an hour a day on chores ranging from dishes to laundry to clipping flowers from the garden for ikebana floral arrangements. In exchange, she has an affordable room in a city she loves because “San Francisco is an outdoors place, and I’m a nature person.”

The biggest challenge that all home-sharing services face — whether online or off — is finding enough homeowners to meet demand. “When we first started matching people in San Francisco a few years ago, no one had heard of it,” said Powell of the San Francisco Home Match program, even though the home-sharing phenomenon has been around nationwide for decades. “But now we’re reaching a tipping point, and homeowners are more willing to give it a try.”

And while the chief goal remains affordable housing, the Home Match crew is always happiest when its work leads to more.

“I tell homeowners that it can turn out to be a wonderful experience to invite someone into your home,” said Ness, director of Home Match Marin. “Even if you’re just doing it initially for rental income or service exchange, sometimes it can turn into a community of friends.”

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Learn more about Home Match here.

Photo by Michael Macor / San Francisco Chronicle / Polaris

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