Consulting and/or participating in housing development projects in Rhode Island and Southeast Massachusetts. Projects have an affordability component, and clients have included non-profit CDFI's, municipalities, community based non-profits and housing authorities. Jobs have included site and project analysis, financial feasibility and modeling and construction oversight.

Consulting with clients in both the non-profit and for profit sector packaging proposals to construct or rehabilitate housing with an affordability component. Projects typically located in Massachusetts, Rhode Island or Connecticut. Financing typically involves Low Income Housing Tax Credits, Federal and State Historic Credits, HOME funds, Taxable or Tax Exempt Bond proceeds and a variety of 'soft' financing from local, state or federal sources.

Managed relationships with national and regional DUS Lenders originating, underwriting, closing and asset managing loans to create, rehab and/or preserve multi-family affordable housing. Transactions ranged from $1MM to $260MM and borrowers ranged from local and regional non-profits, housing authorities and developers to large multi-state developers. Projects typically involved local and or federal assistance in the form of tax credits, insurance or rental subsidies.

General Contractor specializing in high-end residential and commercial construction. Assisted in managing the $5 million historic restoration of a vacant dilapidated waterfront convent in Newport into “Harbor House,” 28 units of elder congregate living. Project developed by local non-profit. Hired sub-contractors, tracked construction progress, communicated with developer and lenders on all phases of construction through weekly site meetings, prepared requisitions and change orders and oversaw project closeout. Also participated in managment of $20 million new construction of golf clubhouse and twenty-seven condominiums in Portsmouth, Rhode Island (Carnegie Abbey Golf Club.) Construction coordinated with CRMC, DEM and various local municipal agencies.

Clients included a tenants association, a non-profit and a for-profit affordable housing developer and a law firm. Assignments included preparing financial modeling for sellers of three Boston high-rise apartments utilizing MHFA (Massachusetts Housing Finance Authority) taxable and tax-exempt bonds in conjunction with thirty-year HUD HAP (Housing Assistance Payment) contracts. Did “cliff-year” analysis employing rental attrition assumptions to maximize Present Value of cash flows. Also assisted national non-profit with acquisition of several scattered site projects that had previously received allocations of LIHTC (Low Income Housing Tax Credits) and HOME funds.

The Cushing Companies is a for- profit developer of scattered site inner city affordable housing. Typical projects included the gut rehabilitation of dilapidated residential properties, historic structures and retro-fitting commercial properties (schools, convents, etc.) into residential housing. As Director of Project Finance, responsibilities included preparing financial pro formas for the purchase, development and operation of properties submitted to state housing agencies for HOME funds and federal low-income housing tax credits, (LIHTC)as well as to private and public lenders for debt financing. Subject properties were located in Providence, Rhode Island, Fall River, New Bedford, Brockton, Boston, Lawrence & Methuen, Massachusetts, and Albany, New York. Also selected investor/limited partner and negotiated purchase of federal tax credits with equity investors. Partners included quasi-public non-profits (Massachusetts Housing Investment Corporation (MHIC)) and private corporations (Edison Capital, BankBoston, Alliant Capital.) As part of equity pay-in timing did additional work on construction and critical time path scheduling for the pre-development and development through qualified occupancy phases.