Mike focuses his practice in the areas of real estate finance and real estate development. Mike represents owners and lenders in multi-family, senior housing, commercial, industrial and retail transactions. A significant portion of Mike’s practice involves debt financing for affordable housing projects that are also financed with low income housing tax credits, tax exempt bonds, and various other funding sources including HOME funds, AHP funds and various state subsidy and loan programs. Mike has substantial experience with all FHA-insured and Rural Housing Service guaranteed multifamily programs, as well as multifamily loans purchased by Fannie Mae. Mike also regularly represents banks in connection with short term “bridge” loans that lenders and borrowers intend to be refinanced with long-term permanent loans to ensure that projects comply with programmatic requirements of the applicable permanent financing sources.