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It is a crisp April day, so bright that every piece of trash on the streets in the rundown Philadelphia neighborhood where Steven Culbertson works seems highlighted in sunshine. Culbertson is giving a tour of the almost-completed block of two-family homes that his group, the Frankford Group Ministry, is developing for sale to low-income families. “Isn’t this great?” he demands, walking up the porch steps of one of the little houses and into its tiny, immaculate living room. Culbertson tests the kitchen cabinets, touches the carpeting, counts off the bedrooms on the second floor. “And look at this!” he says, bounding up the stairs to the third floor. With a flourish, he opens the door to a large, sunny attic room with slanted walls and lots of windows. “If I were a kid, I would love to live up here,” says Culbertson.

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