Year 1 completed comprehensive data mapping to identify what information exists — and what doesn't — about apartment owners' financial situations. Two pilot condominium buildings were selected, and a survey achieved a 40% response rate (63% in one building), with 10% of owners agreeing to in-depth interviews for acceptance testing. Working with Impact Finance Belgium, CLIMACT developed two financing mechanisms built around "budget neutrality" — where post-renovation savings on energy and maintenance cover monthly repayments, enabling participation by owners with no upfront financial capacity. Two workshops with nearly ten financial players refined the mechanisms through expert input. The project now moves to field testing with target groups