Mr. Schwartz joined the John Stewart Company in 2013 and served as the Chief Operating Officer for ten years before taking on the additional role as President of Property Management in 2023.  In January 2024, Mr. Schwartz was promoted to President and CEO. 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 served as the Executive Director of the Monticello Area Community Action Agency and, later, as the Executive Director of the Charlottesville Redevelopment and Housing Authority, both in Charlottesville, Virginia.  Between those roles and his arrival at JSCo, he served as the President/CEO of Community Services of Arizona, a large tax credit housing and social service provider based out of Chandler, Arizona.

Mr. Schwartz has served on numerous community boards and committees over the years including the Partnership for Children, Charlottesville Area Dental Access, Jefferson School Task Force and the Charlottesville/Albemarle Commission on Children and Families, among others.

When Mr. Schwartz isn't busy at work, he loves to spend his time with his family (including his new granddaughter!), going to concerts with his brother, running on the Embarcadero in San Francisco, rooting for his teams (UConn basketball, Manchester United (even during dark days!), and the Celtics), and trying to be an engaged citizen.  Last, he loves to support his wife of 35 years in her work advocating for folks to live a healthy, plant-based lifestyle.

Mr. Schwartz received a Bachelor of Arts in Anthropology (1989) and a Master of Arts in History (1991) from the University of Connecticut.

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 through 2023, at which point he transitioned to Chairman of the company’s Board of Directors (as our founder John Stewart did before him). Under Mr. Gardner’s 20+ years of leadership, JSCo grew to become one of largest managers of affordable housing in the United States, with over 30,000 units under management, and one of the top developers of affordable housing in California, with over 1,000 units of affordable housing under construction or in predevelopment across the state.

Mr. Gardner’s professional background includes the public, non-profit and private sectors, including the Community and Economic Development Department of the City of Santa Monica, the Low-Income Investment Fund (for which he established a Southern California office in 1991), Hollywood Community Housing Corporation (HCHC) in Los Angeles (at which he was the founding Executive Director), Resources for Community Development (RCD) in Berkeley, and Edison Capital Housing Investments (the tax credit investment subsidiary of Southern California Edison, which briefly owned The John Stewart Company in the late 1980’s). Following the development of several innovative affordable housing projects, HCHC was named Non-Profit Developer of the Year by the Southern California Association of Non-Profit Housing (SCANPH) in 1995.

Mr. Gardner is experienced in both the new construction and rehabilitation of residential properties and his historic renovation projects have received the Governor’s Historic Preservation Award, the Hollywood Legacy Award, the Los Angeles Conservancy Award and the California Preservation Foundation’s Affordable Housing Award. He is founding President of the Affordable Housing PAC, California’s first affordable housing political action committee, and a member of the San Francisco Planning and Urban Research (SPUR) Housing Policy Board, the Local Advisory Committee for Bay Area LISC, and Lambda Alpha (an international land economics society). He is an Emeritus Director of the California Housing Consortium (where he served as Secretary, Treasurer and Vice-Chairperson) and a former member of the Board of Directors of the Non-Profit Housing Association of Northern California (2013-18), the Affordable Housing Advisory Council of the Federal Home Loan Bank of San Francisco (2005-2012) and the Editorial Advisory Board of Affordable Housing Finance magazine (2004 – 2011). Mr. Gardner was recognized as a “Male Champion of Change” by the Organization of Women Architects and Design Professionals in 2018, inducted into the California Housing Consortium’s Housing Hall of Fame in 2019, and received AHMA-NCH’s “Pioneer Award” in 2025.

Mr. Gardner holds a BA in Political Economics from the University of California at Berkeley (go Bears!) and a Master’s in Public Policy from the Harvard Kennedy School. In his spare time, he loves to travel, read, hike, walk shelter dogs and climb tall mountains.

Dan Levine joined The John Stewart Company in 1997 as Director of Construction Administration, after nearly 25 years of practice as a registered architect. 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. As Principal of Daniel Levine Architecture in Novato, CA, and formerly as Associate and Vice President of Thomas Sehulster Architect in San Francisco, CA, Mr. Levine has designed, directed, and managed a broad range of building alteration, remodeling, retrofit, and expansion work, as well as numerous space planning, retail planning, and interior design projects. Among other recent projects, Mr. Levine served as Project Architect for the renovations of Shelter Hill Apartments in Mill Valley, CA and Mote Alban Apartments in San Jose, CA as well as Construction Administrator for the renovation of Land Park Woods Apartments in Sacramento, CA and Del Norte Place Apartments and Retail Marketplace in El Cerrito, CA.

The firm of Daniel Levine Architecture was established in 1986 as a full-service architectural practice, specializing in multi-family and commercial building alteration and renovation projects. For 11 years, the firm was dedicated to the technical aspects of the architectural profession, including the preparation of bid and contract drawings, specifications, and construction administration services, offering a broad range of expert professional consulting services to building owners, developers, building managers, contractors, and other design professionals.

Mr. Levine received a Bachelor of Science in Architecture from the University of Michigan in 1971 and a Master of Architecture from the University of Michigan in 1974, and is a registered architect in the State of California.

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 development, project design, obtaining entitlements and environmental approvals, financial structuring, loan packaging, construction oversight and regulatory compliance. She also co-founded JSCo's expanding Diversity Equity and Inclusion (DEI) Initiatives.

Ms. Miller’s experience includes a wide variety of tasks relating to planning, community development and real estate. While earning her Master's Degree in Real Estate Development from Columbia University, Ms. Miller worked at Avalon Bay Communities, a national real estate developer, where she worked on development proposals and conducted market research informing amenity and design decisions at the firm. Prior to moving to New York City, Ms. Miller formed and managed a real estate Investment partnership that purchased multiple residential rental properties in Idaho.

Ms. Miller has also worked in early-stage company managing relationships and projects with Fortune 500 companies and university partners, a socially responsible venture capital fund in Boston, and was appointed by the Mayor of Portland, Oregon to serve on the Northwest Area Plan Committee to devise a strategic 20-year plan for the growth of Portland's Northwest Plan Area. Ms. Miller holds a Bachelor's Degree in American History (with a Minor in Economics) from Bowdoin College, a Master’s Degree in Real Estate Development from Columbia University in New York, and was a fellow at the University of Pennsylvania's Center for Urban Redevelopment Excellence.

Steve has been with JSCo for 42 years and like many others has benefitted from the commitment of JSCo leadership to invest in their staff to become leaders. His bio is a testament to that commitment.

 In 1983 Mari Tustin hired Steve to be the Property Manager at Village East Apartments. What started out as a boss/employee relationship became a long-term mentor/mentee relationship. In 1984, Steve was promoted to a Regional Manager position and moved to the Bay Area to supervise properties from San Francisco to San Jose. By 1988 JSCo had grown a larger portfolio of managed properties in Sacramento and Stockton and needed someone to move to Sacramento to supervise the properties.  Steve volunteered to relocate and take on the role. 

In 1991 JSCo decided to open a branch office in Sacramento, Steve along with a Vice President successfully established the branch office and in 1999 Steve was promoted to Vice President of the office. During the next 14 years, he mentored Tracy Esposito to be his future replacement and in 2014 Jack Gardner and Mari Tustin asked him to come to San Francisco to replace Lauren Sanbon who was retiring as the VP for the San Francisco property management division.

In 2019 Steve was promoted to the new position of Senior Vice President of Property Management to take on the task of overseeing the statewide property management operations, all four regional property management offices and their respective Vice Presidents.  In March of 2025 Steve transitioned to his current position of Sr. VP of Client Relations, working with Noah Schwartz and Jennifer Wood as Jennifer moves from being the VP of the San Francisco Region to Executive Vice President of statewide Property Management.

Tony Ramirez has worked in the property management field for almost 25 years. He has extensive experience with various types of affordable housing communities and programs.

Mr. Ramirez joined The John Stewart Company in 2015 as a Property Manager and has additionally held the positions of Regional Manager and Regional Director before becoming Vice President of the SoCal office in 2024. In his current role of Vice President, Mr. Ramirez is responsible for the management and operations of almost one hundred affordable housing communities throughout Southern California.

Prior to joining The John Stewart Company, Mr. Ramirez was a scattered site Property Manager for a Los Angeles based Property Management and Development Company.

Mr. Ramirez holds a Specialist in Housing Credit Management (SCHM) designation from the National Affordable Housing Management Association (NAHMA), as well as a Real Estate Salesperson’s license from the California Department of Real Estate (DRE).

With over 27 years of experience in the property management industry, Patricia specializes in HUD, TCAC, and PSH programs. She is currently working toward obtaining her Real Estate license and continues to expand her professional expertise.

Passionate about guiding her clients and supporting her team, Patricia is known for her collaborative spirit and readiness to take on any challenge that comes her way.

Outside of work, Patricia enjoys reading a good book, camping by a beautiful lake, traveling, spending time with her grandchildren, and perfecting her cooking skills.

Diana joined The John Stewart Company in 2011 as a Receptionist and, within a few months, was promoted to Accounts Payable Specialist. Although she began without prior property management experience, her drive and dedication quickly propelled her into the role of Property Manager in 2013.

While managing sites in East Los Angeles, Diana decided to pursue a degree in Accounting. With the encouragement and support of her supervisors, she transitioned back to the Accounting Department and was promoted to Lead Accounts Payable Specialist. In 2018, she proudly earned her Accounting degree and advanced to the role of Staff Accountant.

Around that same time, JSCo established its Accounting Center, where Diana became the sole accountant based in Los Angeles, serving as a key liaison between the Accounting Center and the LA Office. Today, she serves as a Senior Staff Accountant, maintaining accounting records for properties across the Los Angeles, San Francisco, Sacramento, and South Bay regions.

In addition to her professional role, Diana is a proud member of the JSCo Family Grant Committee, where she continues to contribute to the company’s culture of support and community.