American Built Communities Inc

Nonprofit profile at a glance

EIN
463261660
IRS 990 coverage
2023–2025
Forms available
Form 990 2025, Form 990-N 2022
Location
Vero Beach, FL, USA
Phone
7723218769
Rating
80
Verdict
STRONG
Rating confidence
Moderate
Sector
Housing Rehabilitation

Official website

Reported finances

Revenue
$666,015
Expenses
$739,447
Assets
$166,555
Liabilities
$4,532

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

5 people listed

Highest reported compensation

  • Jeff Flick (PresidentDirector): $144,000 total reported compensation
  • Sandy Flick (Vice PresidentSecretaryTreasurer): $60,000 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

American Built Communities Inc is an affordable housing loan facilitating company assisting low to moderate income home buyers find housing solutions.

What it reported doing in 2025

The purposes and programs for which American Built Communities Inc is organized include, but are not limited to affordable communities, affordable housing, housing for the elderly, housing for the homeless, housing for veterans, group housing, supportive housing, special needs housing, native American housing, home counseling, credit repair counseling, construction and/or rehabilitation of properties, community stabilization programs (including but not limited to the Neighborhood Stabilization Program), home ownership education and workshops, pre-closing and post-closing counseling, tenant counseling, real estate brokerage, mortgage brokerage, mortgage lending and financing, lan servicing, foreclosure counseling and prevention, loan modification programs, land acquisition, property sales, temporary shelter, and other programs to aid those in need. The corporation may partner with or joint venture with other organizations, both non-profit and for profit organizations, or franchise its operation in order to further the goals and purposes of the organization. The corporation may borrow money, lend money or issue 501c3 tax exempt bonds in order to further its goals and purposes.

Operating model

Revenue model
Earned-program. 99% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 99% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
  • Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 89
  • Transparency & Controls: 90
  • Accountability: 60
  • Sustainability: 16
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 75%; rating input score 75; 19th percentile among comparable filings
  • Governance controls: 3 of 8 controls in place; rating input score 38
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -11%; rating input score 12; 12th percentile among comparable filings
  • Total-asset coverage ratio: 0.23; rating input score 12; 12th percentile among comparable filings
  • Liabilities to assets ratio: 0.03; rating input score 50; 50th percentile among comparable filings
  • Officer compensation ratio: 27.6%; rating input score 9; 9th percentile among comparable filings

Growth

  • Program expense growth: 92.7% per year; rating input score 100; 98th percentile among comparable filings
  • Revenue growth: 71% per year; rating input score 100; 98th percentile among comparable filings
  • Asset growth: 28% per year; rating input score 100; 88th percentile among comparable filings

Details

  • Where the money goes: 100% of revenue deployed · 100% of spending went to programs
  • Governance: 3 of 4 board members independent · 3 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $739K in reported program spending
  • Leadership: top reported pay $144K · 5 people listed
  • Consistency: 22 of 22 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 3 filing years from 2023 to 2025
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Moderate — Accountability: Governance controls: 4 of 7 not reported.
  • High — Sustainability: Operating margin scored 12/100.
  • High — Sustainability: Total-asset coverage ratio scored 12/100.
  • High — Sustainability: Officer compensation ratio scored 9/100.
  • Review — Sustainability: Liabilities to assets ratio scored 50/100.