Aspiro has been engaged to support Council of Europe Bank (CEB) in its proposal towards European Commission (EC), related to pilot project design about empowering marginalized communities with home ownership via micoloans, supervision and assistance in self-construction of simple (and legal) dwellings (called HERO). In cooperation with local consultants in Romania and Bulgaria, we have obtained valuable data, validated key hypothesis, finalized overall narrative of the proposal and drafted budget alternatives, special risk mitigation instrument and predictive tool for KPI calculation.