Financing for Community Impact
Affordable housing development operates at the intersection of real estate finance, public policy, and community mission. Tax credits, government programs, and specialized lenders create financing structures unlike conventional commercial real estate.
Brookmont Capital Ventures helps nonprofit sponsors, CDCs, housing authorities, and mission-driven developers navigate this complex landscape—connecting projects with the right combination of debt, equity, and subsidy to achieve both financial feasibility and community impact.
Financing Options
HUD/FHA Multifamily Loans
Government-insured permanent financing for affordable and market-rate multifamily with favorable terms and long amortizations.
- 221(d)(4) – New construction and substantial rehab
- 223(f) – Acquisition and refinancing
- 223(a)(7) – Refinancing of existing HUD loans
- 35-40 year fully amortizing terms
- Non-recourse structures
LIHTC Equity
Low-Income Housing Tax Credit equity syndication providing critical capital for affordable housing development.
- 4% and 9% tax credit programs
- Equity pricing based on credit delivery
- Investor syndication and placement
- Compliance and monitoring requirements
Freddie Mac Affordable Programs
Agency financing with enhanced terms for properties with affordability restrictions or located in underserved markets.
- Targeted Affordable Housing (TAH)
- Small Balance Loan affordable programs
- Moderate rehab loans
- Mission-driven rate incentives
CDFI & Impact Lending
Financing from Community Development Financial Institutions and impact-focused lenders supporting affordable housing.
- Predevelopment and acquisition loans
- Construction and bridge financing
- Patient capital for complex deals
- Flexible underwriting for mission alignment
Construction Financing
Development loans for ground-up affordable housing and substantial rehabilitation projects.
- Tax credit construction bridges
- Permanent loan commitments during construction
- Interest reserves and capitalized costs
- Coordination with equity closings
Property Types
We help mission-driven developers access capital across all affordable housing formats.
What Lenders & Investors Evaluate
Affordable housing underwriting considers factors beyond conventional metrics:
Subsidy & Regulatory Structure
- Tax credit allocation and investor terms
- Land use restrictions and affordability covenants
- Section 8 or project-based voucher contracts
- Extended use agreements and compliance
Development Team
- Nonprofit or mission-driven track record
- Property management capacity
- Compliance history on prior projects
- Community partnerships and support
Financial Feasibility
- Sources and uses alignment
- Operating proforma with restricted rents
- Reserve requirements and cash flow
- Gap financing needs
Community Impact
- Populations served and income targeting
- Location and neighborhood context
- Supportive services integration
- Local government and community support
Investment Strategies We Support
Ground-Up Affordable Development
New construction of LIHTC and workforce housing. Coordination of construction debt, tax credit equity, soft sources, and permanent financing.
Affordable Preservation
Acquisition and rehabilitation of existing affordable properties to extend affordability and improve conditions. Year 15 LIHTC acquisitions and recapitalizations.
Mixed-Income Development
Projects combining market-rate and affordable units to achieve financial feasibility and community integration.
Supportive Housing
Housing for special populations (homeless, disabled, seniors) with integrated services. Specialized financing aligned with service models.
Our Process
Project & Subsidy Review
We evaluate your project, funding applications, and capital needs to develop a financing strategy aligned with your timeline.
Capital Stack Coordination
We help coordinate the complex capital stacks typical of affordable deals—debt, equity, soft sources, and grants.
Lender & Investor Matching
We connect you with HUD lenders, CDFI partners, and LIHTC investors experienced in affordable housing.
Execution
We support you through closings that often involve multiple capital sources with interdependent requirements.
Ready to Finance Your Affordable Housing Project?
Whether you're developing new affordable housing, preserving existing properties, or exploring mission-driven financing, Brookmont Capital Ventures can help you navigate the capital landscape.
Questions? Contact our team at info@brookmontcapital.net