The bottom-line difficulty is that many low-income folks don't have money to save, even if they desperately want to.

After a period of financial difficulty, people often find themselves with income, savings for a down payment, but poor credit because of their past. When they apply for a mortgage loan they are turned down. We are able to help people in that situation get a home they can afford and move in almost immediately.

We're having a little trouble with him currently doing a closing. We're having a little difficulty with Wilfred.

The difficulty now is going out and raising money,

Real estate prices are so high and people of the low-income pay scale desperately need those public housing units. If they're proceeding cautiously because they do want to serve the population they serve, that's a good thing.

That generated for us the income that we needed ... (and) having accomplished what we wanted to accomplish, we took the rest of it off the market.