Decarbonizing the built environment means overcoming real social and economic barriers facing housing providers, residents, and communities. This panel examines the systemic hurdles that affordable and seniors housing operators navigate daily, from financing constraints to resident displacement concerns. This session highlights a practical retrofit case study from Atlantic Baptist Housing. It demonstrates how thoughtful planning, resident and tenant focused design, and data-driven decision-making can turn decarbonization goals into measurable outcomes, and of most importance, create resilient and stable environments for the comfort of its residents and tenants.