North Star Group, Inc.
Serenity Village
Roger Williams Site · Mobile, Alabama
A proposed redevelopment of the former Roger Williams public housing site into 36 low-density, ADA-accessible quadruplex homes — connected to Mobile Infirmary by water taxi, supported by on-site food production, and built with durable, energy-efficient construction. Developed in partnership with the Mobile Housing Authority.
Site & Housing
The Roger Williams Site
Site Context
A 39-acre site, historically home to the Roger Williams Homes public housing complex, razed as part of an earlier transformation strategy. The Housing Authority received Choice Neighborhood Planning funding in the past, but no full redevelopment was executed. Serenity Village proposes to complete what was started — 30 quadruplexes plus a commercial component, near Mobile's hospital district within reach of Mobile Infirmary Medical Center.
The site sits on intact road beds from the previous development, a redevelopment advantage that reduces horizontal construction cost versus a raw-land build.



Site Plan & Access
Multiple access points are planned for proper emergency egress and traffic flow. The optimal primary entrance runs through the adjacent State of Alabama property to the northwest, which already carries a traffic light — a location also well suited to the commercial component near the entrance.


Quadruplex Units
Low-density quadruplexes, 1 per acre. ADA-accessible with lift. Proposed unit size 750 SF with 10′ ceilings — low-density siting keeps the redevelopment closer to a neighborhood scale than a conventional public-housing block.
ADA Two-Bedroom Units
Mirrored-plan, two-bedroom, ADA, draft concept — 750 SF, giving the site plan a second building orientation without changing the unit footprint.
Transportation
Connecting Residents to the Hospital District
Transit-Oriented Development
Serenity Village's transit-oriented development includes a water taxi to Mobile Infirmary Medical Center, dramatically reducing commute times and costs while fostering a healthier, more connected community — with benefits on both sides: for the Medical Center's workforce access, and for Serenity Village residents' access to healthcare jobs. Three Mile Creek provides the physical connection: by water taxi, the site is roughly 3,000 feet from the Medical Center, versus a longer road-only route.


Discussion and funding options for the transit component are covered in a separate white paper.
On-Site Mobility
Within the community, low-speed tuk-tuk vehicles (5 mph max) provide mobility assistance for elderly residents and help close the last-mile gap to transit and community amenities.
Resident Life
Food, Utilities, Security, and Wellbeing
Food System
Alabama is the fifth-poorest state in the nation. 17% of adults and 23% of children — one in four — face food insecurity: lack of regular access to enough nutritious food for an active, healthy life. Large rain gardens for vegetables address that directly: they reduce storm-drainage infrastructure costs by 25% and produce abundant food, aiming for 30% of calories grown on site. The 4.7-acre community garden pairs food production with educational programming.



Utilities Included
For a 750 sq ft SIP home, energy-efficient construction cuts the monthly utility burden well below a conventional Alabama home of comparable size. All utilities — electricity, water, broadband — are included in rent, removing a common source of housing-cost volatility for residents.
| Item | Basis | Monthly |
|---|---|---|
| Traditional home (AL average) | $147.75 for 2,000 SF → $0.0739/SF | — |
| SIP home electricity — lower bound | 60% savings vs. traditional | $22.16 |
| SIP home electricity — upper bound | 40% savings vs. traditional | $33.24 |
| Broadband | flat | $20.00 |
| Total expected utility cost | SIP home, 750 SF | $42.16–$53.24 |
Security & LoRaWAN
LoRaWAN (Long Range Wide Area Network) is a low-power, long-range wireless protocol built for IoT applications, forming the emergency and security system backbone: extended range covering large areas with minimal infrastructure, low power consumption so devices run for years on small batteries, unlicensed bands with no monthly spectrum fees, and a single gateway supporting thousands of devices across the property.
AI Companion
Many people have never experienced what it's like to have a conversation with an AI system like ChatGPT, Claude, or similar technologies. For residents at Serenity Village who have never interacted with AI before, the design goal is natural conversation flow, personalized interaction that remembers preferences and important dates, a judgment-free environment for questions, and availability at any hour — including 3 a.m., when a resident might feel most isolated.
Wellbeing by Design
Three building-science factors residents feel every day, addressed directly in the SIP construction and site design:
- Air — right after a rain, the air carries negative ions; the site's landscaping and green infrastructure extend that effect, supported by negative-ionization systems in the smart-home package.
- Light — circadian LED lighting, tuned to support residents' natural sleep-wake cycle.
- Sound — acoustic design in the SIP building envelope reduces sound transmission between units and from outside.



Development
Timeline, Financing, and Team
Project Timeline
Now
MOU & Financing Path
Present this development plan to the Mobile Housing Authority; determine preferred financing pathway from the five options under consideration; execute a non-binding MOU.
Next
Site Engineering
Finalize unit count, complete flood-plain analysis, design access/egress, coordinate with the State of Alabama on the northwest entrance, survey and traffic impact assessment.
Then
Grant & Soft-Cost Funding
Submit soft-cost grants (Elevate, Regions) regardless of financing method; pursue green infrastructure grant research; layer additional funding per the Grant Strategy.
Later
Development Agreement
Prepare a full development agreement based on MHA priorities once the financing pathway and unit count are finalized.
Income Summary
| Line | Amount |
|---|---|
| Gross Income | $1.82M |
| Operating Expenses | $600K |
| NOI | $1.18M |
| DSCR (with Section 811) | 1.94× (debt $609K) |
| DSCR (without Section 811) | 1.61× (debt $734K) |
Stabilized value at a 6.5% cap: approximately $17M. A PHA buyout option is contemplated at Year 5 across all financing structures.
Capital Stack
Two worked examples under the Standby Equity Interest structure (one of five financing pathways under discussion with the Mobile Housing Authority), total $15,000,000, figures carrying an 8% buffer allowance for changes.
| Source (Example A, with Section 811) | Amount | % |
|---|---|---|
| PHA Land Contribution | $2,300,000 | 15.3% |
| Senior Debt | $8,600,000 | 57.3% |
| Section 811 Capital Advance | $2,000,000 | 13.3% |
| 45L Tax Credits | $600,000 | 4.0% |
| Serenity Village Standby Fund | $1,500,000 | 10.0% |
| Source (Example B, without Section 811) | Amount | % |
|---|---|---|
| PHA Land Contribution | $2,300,000 | 15.3% |
| Senior Debt | $10,600,000 | 70.7% |
| 45L Tax Credits | $600,000 | 4.0% |
| Serenity Village Standby Fund | $1,500,000 | 10.0% |
The Mobile Housing Authority has five distinct financing pathways to choose from; each will have its own capital structure, ownership split, and risk profile once selected.
Uses of Capital
| Category | Amount | % |
|---|---|---|
| Hard Construction | $9,500,000 | 63.3% |
| Horizontal Construction | $3,200,000 | 21.3% |
| Fees | $2,000,000 | 13.3% |
| Contingency | $300,000 | 2.0% |
| Total | $15,000,000 | 100.0% |
Developer fee: $1.5–1.7M total; fee-sharing between the Mobile Housing Authority and North Star varies by financing pathway and is negotiated through MOU discussions.
Team
Michael Hoffman
CEO, North Star Group, Inc.
Real estate developer, inventor, and affordable housing advocate. Five Walmart assignments across Alabama (1990s–2008); CVS, Walgreens, Starbucks; partner on the 400,000 SF Huntsville Mall renovation. Founded Southeast Capital Investments. 11 issued U.S. patents through Hydra Heating Industries covering industrial heating, magnetic insulation, and building systems; patent-pending on the Fully Integrated Reinforced Modular SIP System (FIRM).
Donald Maxwell
Development Partner, The Maxwell Organization
Extensive experience in REO disposition, housing policy, and urban revitalization, including a tenure at Fannie Mae as Director of Partnership Office; led initiatives supporting housing access and community infrastructure, with a high-volume REO disposition track record across Freddie Mac and Fannie Mae portfolios. B.B.A., Northwood University. Former professional athlete (NFL and CFL).
Tom Dowling
Construction Technology, CEO Supreme Insulated Panel Systems
Civil engineer and manufacturing innovator. M.S. Civil Engineering (Systems Optimization), Florida Institute of Technology, 4.0 GPA; registered civil engineer, State of Maryland. Infrastructure project management at Whiting-Turner; grew Metropolitan Contracting Co. to 230 employees across a large multi-project portfolio. Advanced magnesium-oxide SIPs, R-values to R-55, hurricane resistance to 230 mph.
Jey Smith
Community Liaison, Universal Brothers / CPS Consulting
Background spanning telecommunications (senior leadership at Verizon Business/MCI), education, and military service. Founded three companies spanning international trade, corporate training, and renewable energy. Focus: workforce training, public-private partnerships, community engagement.
Les Allen — BlackStar Construction
General Contractor — SBA 8(a) / HUBZone Certified
Primary construction partner: SIP manufacturing and installation, modular construction systems, performance-bond capacity for large-scale affordable housing. Federal certifications provide participation advantages for public housing developments.
Kevin Harrison
Transportation Planner, Sain Associates — Mobile branch
Sain's Mobile branch office is the source of the transit and access planning behind the site's transportation strategy.
Next Step
Our goal is a development that demonstrates excellence in affordable housing and becomes a model for communities nationwide — prioritizing community empowerment, resident dignity, and long-term sustainability. Mobile Housing Authority retains financial control and decision-making authority throughout.
Immediate next steps: present this development plan to Paul Watkins, Program Administrator, Housing Choice Voucher Program, Mobile Housing Authority; review and incorporate MHA feedback; prepare a development agreement based on MHA priorities; refine financing-pathway options based on MHA preferences.
North Star Group, Inc.
Michael Hoffman, CEO
19901 Quail Circle, Fairhope, AL 36532
701-770-9118
michaelh@nsgia.com