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Nonprofit · EIN 13-2617705

WESTCHESTER RESIDENTIAL OPPORTUNITIES INC

Tax-exempt · WHITE PLAINS, NY 10605

Financials

$4.8M$4.1M2023$4.5M$4.2M2024$5.3M$4.6M2025
Revenue Expenses · by fiscal year end
Financials of WESTCHESTER RESIDENTIAL OPPORTUNITIES INC by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$5,301,015$4,636,716$664,299$6,798,191$829,164$5,969,027
December 31, 2024990$4,475,376$4,166,583$308,793$6,255,896$1,049,034$5,206,862
December 31, 2023990$4,786,666$4,062,671$723,995$6,140,655$1,297,432$4,843,223
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$4,547,015
of which government grants
$4,076,830
Program service revenue
$574,399
Investment income
$182,125
Net income from fundraising events
-$4,093
Net income from gaming
$1,569
Other revenue
-$2,524

Expenses

Grants and similar amounts paid
$1,638,745
Compensation of officers, directors and key employees
$296,917
Other salaries and wages
$1,638,783
Salaries, compensation and benefits (total)
$2,402,686
Professional fundraising fees
$0
Accounting fees
$32,402
Occupancy
$147,763
Travel
$73,602
Depreciation
$4,891
Program services (functional)
$3,958,822
Management and general (functional)
$599,131
Fundraising (functional)
$78,763

Balance sheet and other

Total assets, start of year
$6,255,896
Total assets, end of year
$6,798,191
Total liabilities, end of year
$829,164
Net assets, end of year
$5,969,027
Land, buildings and equipment
$775
Publicly traded securities
$4,701,402
Net assets without donor restrictions
$5,638,478
Net assets with donor restrictions
$330,549
Gross receipts
$5,315,550
Employees
44
Volunteers
15
Year formed
1968
State of legal domicile
NY

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensationOther / benefits
MARLENE ZARFESEXECUTIVE DIRECTOR
Officer
34$163,653$26,591
ANDREW SMITHDEPUTY EXECUTIVE DIRECTOR
Highest-paid employee
35$117,023$48,642
NNEKA REEDDIRECTOR OF OPERATIONS
Highest-paid employee
35$102,964$23,957
ELIZABETH ELLISONCHIEF FINANCIAL OFFICER
Officer
27.5$103,600$3,073
LAURENCE BEILENSONCO-CHAIR
Trustee or director, Officer
1$0$0
DEBRA BUDETTICO-CHAIR
Trustee or director, Officer
1$0$0
THOMAS RICE ESQSECRETARY
Trustee or director, Officer
1$0$0
KEITH ROSENTHALASSISTANT SECRETARY THRU 12/2025
Trustee or director, Officer
1$0$0
ROGER CAMPOSASSISTANT SECRETARY
Trustee or director, Officer
1$0$0
HENRY J CARNAGETREASURER
Trustee or director, Officer
1$0$0
DAVID SAMUELSASSISTANT TREASURER
Trustee or director, Officer
1$0$0
LEAH CAROBOARD MEMBER THRU 05/2025
Trustee or director
1$0$0
MARGARET M FLINT ESQBOARD MEMBER
Trustee or director
1$0$0
BARRY KRAMERBOARD MEMBER
Trustee or director
1$0$0
DAVID MOOREBOARD MEMBER
Trustee or director
1$0$0
6 more people on this return
NameTitleHours / weekCompensation
MITALI KAMDARBOARD MEMBER
Trustee or director
1$0
DENNIS D PARKER ESQBOARD MEMBER
Trustee or director
1$0
RICHARD STERNBOARD MEMBER
Trustee or director
1$0
DEBRA THOMPSONBOARD MEMBER
Trustee or director
1$0
WENDY MARIE WEATHERS ESQBOARD MEMBER
Trustee or director
1$0
ALAN R WOLFERT ESQBOARD MEMBER
Trustee or director
1$0
990 for the year ended December 31, 2024: 17 people
NameTitleHours / weekCompensationOther / benefits
MARLENE ZARFESEXECUTIVE DIRECTOR
Officer
34$147,350$25,484
ANDREW SMITHDEPUTY EXECUTIVE DIRECTOR
Highest-paid employee
35$105,100$43,962
ELIZABETH ELLISONCHIEF FINANCIAL OFFICER
Officer
23$99,475$89
LAURENCE BEILENSONCO-CHAIR
Trustee or director, Officer
1$0$0
DEBRA BUDETTICO-CHAIR
Trustee or director, Officer
1$0$0
THOMAS RICE ESQSECRETARY
Trustee or director, Officer
1$0$0
KEITH ROSENTHALASSISTANT SECRETARY
Trustee or director, Officer
1$0$0
HENRY J CARNAGETREASURER
Trustee or director, Officer
1$0$0
LEAH CAROBOARD MEMBER
Trustee or director
1$0$0
MARGARET M FLINT ESQBOARD MEMBER
Trustee or director
1$0$0
BARRY KRAMERBOARD MEMBER
Trustee or director
1$0$0
DAVID MOOREBOARD MEMBER
Trustee or director
1$0$0
DENNIS D PARKER ESQBOARD MEMBER
Trustee or director
1$0$0
RICHARD STERNBOARD MEMBER
Trustee or director
1$0$0
DEBRA THOMPSONBOARD MEMBER
Trustee or director
1$0$0
WENDY MARIE WEATHERS ESQBOARD MEMBER
Trustee or director
1$0$0
ALAN R WOLFERT ESQBOARD MEMBER
Trustee or director
1$0$0
990 for the year ended December 31, 2023: 17 people
NameTitleHours / weekCompensationOther / benefits
MARLENE ZARFESEXECUTIVE DIRECTOR
Officer
34$133,706$22,950
ELIZABETH ELLISONCHIEF FINANCIAL OFFICER
Officer
11.75$88,790$0
DEBRA THOMPSONBOARD MEMBER
Trustee or director
1$10,000$0
MARGARET M FLINT ESQCO-CHAIR
Trustee or director, Officer
1$0$0
LEAH CAROCO-CHAIR
Trustee or director, Officer
1$0$0
DEBRA BUDETTISECRETARY
Trustee or director, Officer
1$0$0
THOMAS RICE ESQASSISTANT SECRETARY
Trustee or director, Officer
1$0$0
HENRY J CARNAGETREASURER
Trustee or director, Officer
1$0$0
LAURENCE BEILENSONASSISTANT TREASURER
Trustee or director, Officer
1$0$0
TRAVIS BOWENSBOARD MEMBER THRU 7/20/23
Trustee or director
1$0$0
JOSEPH A DISALVO ESQBOARD MEMBER THRU 7/1/23
Trustee or director
1$0$0
BARRY KRAMERBOARD MEMBER
Trustee or director
1$0$0
JODEE MACDONALDBOARD MEMBER THRU 6/28/23
Trustee or director
1$0$0
DAVID MOOREBOARD MEMBER
Trustee or director
1$0$0
DENNIS D PARKER ESQBOARD MEMBER
Trustee or director
1$0$0
WENDY MARIE WEATHERS ESQBOARD MEMBER
Trustee or director
1$0$0
ALAN R WOLFERT ESQBOARD MEMBER
Trustee or director
1$0$0

Address and contacts

Address (IRS master file)
470 MAMARONECK AVE STE 410, WHITE PLAINS, NY 10605-1839
Principal officer (990 for 2025)
KACY BRADY, 470 MAMARONECK AVENUE 410, WHITE PLAINS, NY 10605
Signed the 990
KACY BRADY, EXECUTIVE DIRECTOR
Phone
(914) 428-4507
Return prepared by
PKF O'CONNOR DAVIES ADVISORY LLC

Mission

WESTCHESTER RESIDENTIAL OPPORTUNITIES (WRO) IS A HUD-CERTIFIED HOUSING COUNSELING AGENCY WITH SPECIALIZED PROGRAMS TO COMBAT HOUSING DISCRIMINATION, MARKET AFFORDABLE HOUSING OPPORTUNITIES, AND TO ASSIST FIRST TIME HOMEBUYERS, THE ELDERLY AND THOSE FACING EVICTION OR MORTGAGE DEFAULT.ADDITIONALLY, WRO PROVIDES HOUSING AND CASE MANAGEMENT FOR PEOPLE WITH MENTAL ILLNESS. WRO PROMOTES HOUSING MOBILITY, AFFORDABILITY AND STABILITY FOR MARGINALIZED POPULATIONS, AND LOW-TO-MODERATE INCOME GROUPS.

990 for the year ended December 31, 2025

Program accomplishments

  • INDEPENDENT LIVING PROGRAMTHE INDEPENDENT LIVING PROGRAM CONSISTS OF OUR SUPPORTED HOUSING APARTMENT PROGRAM, OUR SINGLE ROOM OCCUPANCY (SRO) PROGRAM, AND AN EDUCATION AND OUTREACH COMPONENT. IN 2025, THE SUPPORTED HOUSING PROGRAM PROVIDED INDIVIDUALIZED HOUSING-RELATED CASE MANAGEMENT SERVICES AND RENTAL ASSISTANCE TO 45 ADULTS DIAGNOSED WITH SERIOUS MENTAL ILLNESS, WHO WISH TO OBTAIN PERMANENT, AFFORDABLE, AND INDEPENDENT HOUSING. THE SINGLE ROOM OCCUPANCY PROGRAM STAFF PROVIDED HOUSING AND SUPPORTIVE SERVICES AND SUPERVISION TO ADULTS RESIDING IN OUR NINE BEDROOM SRO IN 2025.ADDITIONALLY, WRO PROVIDES HOMELESS OUTREACH TO ASSIST HOMELESS PEOPLE WITH MENTAL ILLNESS TO FIND HOUSING.
    Expenses $1,592,586 · grants $986,342 · revenue $246,078
  • HOME OWNERSHIP PROGRAMSWRO PROVIDES ASSISTANCE TO QUALIFIED HOUSEHOLDS IN THREE AREAS: (A) FIRST-TIME HOMEBUYING (PROVIDING EDUCATION AND COUNSELING PROGRAMS IN SPANISH AND ENGLISH ON THE HOMEBUYING PROCESS, AS WELL AS FACILITATING ACCESS TO VARIOUS DOWN-PAYMENT AND CLOSING COST ASSISTANCE PROGRAMS). IN 2025, 175 INDIVIDUALS COMPLETED OUR HOMEBUYING EDUCATION PROGRAM, AND 10 CLIENTS PURCHASED A HOME, UTILIZING OVER $252,000 IN GRANTS FUNDS SECURED TO HELP PURCHASE THEIR HOMES. (B) MORTGAGE FORECLOSURE PREVENTION (ASSISTING HOMEOWNERS WHO ARE FACING FORECLOSURE DUE TO TEMPORARY INTERRUPTIONS IN INCOME OR FINANCIAL HARDSHIP, INCLUDING EXPLORING POSSIBLE OPTIONS AVAILABLE WITH THEIR LENDER). IN 2025, WRO SERVED 200 CLIENTS, AND CLOSED ON 50 LOAN MODIFICATIONS OR REINSTATEMENTS.(C) PROPERTY TAX FORECLOSURE PREVENTION (ASSISTING HOUSEHOLDS FACING FORECLOSURE DUE TO PROPERTY TAX ARREARS). IN 2025, WE ASSISTED TWO HOUSEHOLDS, INCLUDING SECURING ALMOST $20,500 IN GRANT FUNDS.
    Expenses $1,050,615 · grants $361,573 · revenue $75,151
  • FAIR HOUSING PROGRAMWRO'S FAIR HOUSING PROGRAM WORKS TO ELIMINATE DISCRIMINATION IN THE HOUSING AND LENDING MARKETS. THE PROGRAM HANDLES COMPLAINTS AND CONDUCTS INVESTIGATIONS, INCLUDING BOTH SYSTEMIC AND COMPLAINT-BASED TESTING, AND ACCESSIBLE DESIGN AND CONSTRUCTION INVESTIGATIONS. WRO'S FAIR HOUSING PROGRAM PROVIDES EDUCATION AND OUTREACH TO CONSUMERS, CIVIC AND BUSINESS AND OTHER NON-PROFIT ORGANIZATIONS, AND TRAINS REAL ESTATE PROFESSIONALS, CO-OP BOARDS AND MANAGEMENT COMPANIES TO COMPLY WITH FAIR HOUSING LAWS. IN 2025, 164 FAMILIES AND INDIVIDUALS WERE ASSISTED WITH FAIR HOUSING COMPLAINTS, AND 170 INDIVIDUAL REAL ESTATE PROFESSIONALS AND 94 CO-OP APARTMENT DIRECTORS WERE TRAINED IN OUR FAIR HOUSING WORKSHOPS.ADDITIONALLY, WRO MANAGES AN AFFIRMATIVE HOUSING MARKETING PROGRAM FOR RENT AND RESALE OF FAIR AND AFFORDABLE HOMES. AS PART OF THIS PROGRAM, WRO COLLECTS APPLICATIONS AND ADMINISTERS A LOTTERY FOR ELIGIBLE APPLICANTS. IN 2025, WRO MARKETED 40 RENTAL UNITS IN TWO RENTAL DEVELOPMENTS AND SIX OWNERSHIP UNITS IN TWO DEVELOPMENTS, AND ASSISTED IN THE CLOSING OF TWO RE-SALES OF EXISTING AFFORDABLE HOMES.
    Expenses $663,050 · grants $59 · revenue $253,170
  • EVICTION PREVENTION & RENTAL ASSISTANCE PROGRAM WRO ASSISTS QUALIFIED HOUSEHOLDS FACING RENTAL AND/OR UTILITY ARREARS, BY PROVIDING FINANCIAL ASSISTANCE GRANTS AGAINST THOSE ARREARS. WRO ALSO WORKS WITH HOUSEHOLDS LOOKING TO SECURE RENTAL HOUSING BY PROVIDING FINANCIAL ASSISTANCE GRANTS FOR SECURITY DEPOSITS, MOVING EXPENSES, FIRST MONTH'S RENT, ETC.IN ADDITION TO PROVIDING FINANCIAL ASSISTANCE, THE PROGRAM (1) PROVIDES COUNSELING TO PRIMARILY LOW-TO-MODERATE INCOME HOUSEHOLDS TO FIND AND MAINTAIN AFFORDABLE HOUSING, (2) NEGOTIATES WITH LANDLORDS TO HELP KEEP PEOPLE HOUSED, AND (3) MAKES REFERRALS AS APPROPRIATE TO LOCATE ADDITIONAL SOURCES OF FINANCIAL AND OTHER FORMS OF ASSISTANCE. IN 2025, THE PROGRAM ASSISTED 284 INDIVIDUALS AND FAMILIES, AND DISBURSED ALMOST $190,000 IN RENTAL ARREARS GRANTS TO 43 HOUSEHOLDS.
    Expenses $652,571 · grants $290,771

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
13-2617705
Tax-exempt status
501(c)(3): Charitable, religious, educational or scientific organization
Foundation status
Publicly supported organization (509(a)(2))
Donations deductible (Pub 78)
Public charity, 50% deduction limit
Exempt since
1969
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$6,798,191
Income (IRS master file)
$5,315,550

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$5,301,015$4,636,716$6,798,191XML
990December 2024$4,475,376$4,166,583$6,255,896XML
990December 2023$4,786,666$4,062,671$6,140,655XML
990December 2022$7,053,204$5,626,606$5,135,150IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 13-2617705).

Questions about WESTCHESTER RESIDENTIAL OPPORTUNITIES INC

What is the EIN of WESTCHESTER RESIDENTIAL OPPORTUNITIES INC?
The employer identification number (EIN) of WESTCHESTER RESIDENTIAL OPPORTUNITIES INC is 13-2617705.
Is WESTCHESTER RESIDENTIAL OPPORTUNITIES INC tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1969.
Are donations to WESTCHESTER RESIDENTIAL OPPORTUNITIES INC tax-deductible?
Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
Which annual return does WESTCHESTER RESIDENTIAL OPPORTUNITIES INC file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of WESTCHESTER RESIDENTIAL OPPORTUNITIES INC due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did WESTCHESTER RESIDENTIAL OPPORTUNITIES INC last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of WESTCHESTER RESIDENTIAL OPPORTUNITIES INC?
The 990 for the year ended December 31, 2025 names KACY BRADY.
Who are the officers and directors of WESTCHESTER RESIDENTIAL OPPORTUNITIES INC?
The 990 for the year ended December 31, 2025 lists 21 people; 4 received compensation from the organization, the highest $163,653 (MARLENE ZARFES, EXECUTIVE DIRECTOR).
How much revenue does WESTCHESTER RESIDENTIAL OPPORTUNITIES INC have?
On its 990 for the year ended December 31, 2025 it reported revenue of $5,301,015, expenses of $4,636,716 and total assets of $6,798,191 at year end.

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