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Mosaic staff are well versed in affordable and mixed income housing finance and structuring, strategic planning, HUD and Housing Authority requirements, and public/private partnership.

Mosaic specializes in assisting governmental agencies in the areas of:


  • Program creation for housing and mixed use development

  • Financial underwriting guidelines and tool creation

  • RFP preparation and financial analysis and underwriting of RFP applications

  • Analysis of existing or new policies and recommendations for structuring and implementation

  • Financial and Developmental Feasibility Assessment for public agency owned sites in order to optimize the development program, achieve agency goals, and size the need for public investment

  • Financial analysis of the impact of new public agency policies

  • HUD regulations and procedures, HUD financing resources, financial consulting for HUD funded development projects

  • Staff training in financing programs, financial underwriting and risk assessment, affordable housing and real estate development.

Bayview Hills Gardens

San Francisco


Client: California Housing Partnership Corporation

Developer: Mercy Housing 

Development Consultant: Michael Simmons Property Development

Architect: David Baker Architects

General Contractor: Cahill Construction

Capital and Operating Subsidy Program Experience:


  • 9% and 4% Low Income Housing Tax Credits

  • Tax-Exempt and Taxable Bond Financing

  • State Multifamily Housing Program (MHP)

  • State Supportive Housing Multifamily Housing Program (SHMHP)

  • State No Place Like Home (NPLH)

  • State Loan Portfolio Restructuring Program (LPR)

  • State & County Mental Health Services Act (MHSA)

  • California Housing Finance Agency (CalHFA) Programs

  • Federal HOME Investment Partnerships Program - State 

  • Local CDBG, HOME and Redevelopment Agency programs

  • Federal Home Loan Bank AHP Program

  • HUD Direct Loan Programs, including 202/811, HOPE VI, 236, 223(f), 221(d)3, Mixed-Finance, FHA mortgage insurance, Preservation programs, and Prepayment

  • Freddie Targeted Affordable Housing

  • New Market Tax Credits 

  • Affordable Housing and Sustainable Communities (AHSC)

  • Veteran Housing and Homelessness Prevention Program (VHHP)

  • Transit Oriented Development (TOD)

  • Infill Infrastructure Grant (IIG)

  • McKinney Supportive Housing Program (S + C, CoC, HEARTH)

  • Project-based Section 8 Vouchers and contract renewals

  • Project based Section 8 and contract renewals

  • Rental Assistance Demonstration (RAD)

  • Local Operating Support Program (LOSP)

  • Other federal, state and local funding sources

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