The John Stewart Company (JSCo) was founded by John K. Stewart in 1978 to providing high quality property management for affordable housing in the Bay Area. Today, JSCo is a full-service housing management, development, and consulting organization employing almost 1,500 people state-wide. According to the National Affordable Housing Management Association, JSCo is the largest affordable housing manager in California and in the top 10 nationwide.

The staff at The John Stewart Company is as multi-faceted as the populations we serve. We have been recognized by the State of California with an award for “Excellence in the Workplace” for promoting of ethnic and cultural diversity. Our professional backgrounds are in areas as diverse as real estate, finance, education, accounting and communication. This diversity of experience, along with our proven track record and expertise in developing and managing all forms of affordable housing, all Permanent Supportive, exemplifies both the unique perspective and breadth of services we bring to every client.

Property Blueprint

Executive Corporate Staff

John K. Stewart, Founder (1934 – 2020)

John Stewart incorporated The John Stewart Company (JSCo) with three employees in 1978, drawing on both his extensive experience in real estate development and his personal commitment to the field of affordable housing. Mr. Stewart was actively involved in the firm’s project acquisition, rehabilitation, syndication, property management, consulting, marketing, and development activities until the final days of his life. Mr.…

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Jack D. Gardner, Chairman of the Board

Jack D. Gardner has been actively involved in the financing, development and management of affordable housing since 1985 and served as President & CEO of the John Stewart Company from 2002 - 2023. Under Mr. Gardner’s leadership, JSCo grew to become both one of largest managers of affordable housing in the United States, with over 34,000 units under management, and…

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Dan Levine, President of Construction & Maintenance Services

Daniel Levine joined the John Stewart Company in 1997 as Director of Construction Administration, after nearly 25 years of practice as a registered architect., and currently serves as President of Construction & Maintenance Services. Mr. Levine brings with him comprehensive expertise in the housing and construction industries and a long history of successful professional consulting to the John Stewart Company.…

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Noah G. Schwartz, President & Chief Executive Officer

Mr. Schwartz joined the John Stewart Company in 2013 and served as its Chief Operating Officer until his promotion to President & CEO in 2024. Mr. Schwartz brought more than 15 years of leadership experience in the non-profit and quasi-government sector when he joined the company and has a strong record leading organizations serving low-income communities. He has served as…

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Margaret Miller, CREO

Margaret Miller joined the John Stewart company in 2004 as a Project Manager and now serves as JSCo’s President of Development and Chief Real Estate Officer (CREO). In this capacity, she supervises the firm's Project and Asset Managers and oversees the full range of corporate activities related to developing affordable and mixed-income multifamily housing, including identifying and acquiring properties, business…

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Flora Cheung, Controller

Flora Cheung is an experienced accounting and finance professional with a focus on real estate, asset management, banking, and technology.  She joined the John Stewart Company in 2018 after holding several senior finance and accounting roles at Hines, Union Bank, Allianz Asset Management, and Montgomery Asset Management. Flora is a Certified Public Accountant (inactive) and oversees all of JSCo’s corporate…

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Executive Property Management Staff

Mari Tustin, Senior Vice President

Ms. Tustin has been with the John Stewart Company since 1980, serving as Vice President of the San Francisco office from 1983 to 1993. In 1993 she relocated to Santa Cruz to open and manage a new JSCo regional office serving the South Bay and Central Coast counties. In this capacity she oversees the management and marketing of a diverse…

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Steve McElroy, Senior Vice President of Property Management

Steve McElroy oversees property management activities as JSCo's Senior Vice President of Statewide Property Management.  Mr. McElroy has been with The John Stewart Company since 1983 and has over forty years of experience in housing management. He has extensive experience working with HUD, Cal HFA, CDLAC and TCAC on subsidized affordable housing. He is particularly adept at working with non-profit…

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Tracy Esposito, Vice President

Tracy Esposito has been working in the property management field since 1999. Ms. Esposito has worked with the John Stewart Company (JSCo) in its Sacramento regional office since 2004, rising from Regional Manager to Regional Director to Assistant Vice President before being promoted to Vice President overseeing the Region in 2018. During her early work for JSCo, Ms. Esposito managed…

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Anthony Ramirez, Vice President

Tony Ramirez has worked in the property management field for over twenty years and has extensive experience with Homeowners Associations, Low Income Housing Tax Credit properties and Permanent Supportive Housing (PSH) communities.  Mr. Ramirez joined The John Stewart Company (JSCo) in 2015 as a Property Manager and rose through the positions of Regional Manager and Regional Director to become Vice…

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Maya Powis, Vice President

Ms. Powis joined the John Stewart Company’s (JSCo’s) South Bay Regional Office in early 2001 and has served in multiple capacities within JSCo’s Accounting, Administration and Property Management divisions during her tenure. She currently serves as the Vice President of the South Bay Region, overseeing a growing portfolio of more than 8,000 affordable and mixed income units. In this role,…

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Jennifer Wood, Vice President

Ms. Wood serves as Vice President of JSCo's San Francisco Bay Area Region and oversees a portfolio of approximately 12,000 units.  She has more than thirty years of progressive experience in affordable housing and multifamily property management.  She has extensive experience with all types of local, state and federal programs including LIHTC, Project-Based Section 8, Public Housing, HOME, Tax-exempt bond…

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