TY 2018 Form 990

(A) Name and Title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)	(E) Reportable compensation from related organizations (W- 2/1099-MISC)
(1) ALANA BILLUPS...................................................................... BOARD MEMBER	0.50 .................	X			0	0	0
(2) EDWARD SEIBERT...................................................................... BOARD MEMBER	0.50 .................	X			0	0	0
(3) GLORIBELL LOPEZ...................................................................... BOARD MEMBER	0.50 .................	X			0	0	0
(4) IRIS SANTIAGO...................................................................... BOARD MEMBER	0.50 .................	X			0	0	0
(5) JACE D'AMICO...................................................................... BOARD MEMBER	0.50 .................	X			0	0	0
(6) JOSE LOPEZ...................................................................... PRESIDENT	0.50 ................. 0.50	X	X		0	0	0
(7) MICHELLE RODRIGUEZ...................................................................... OUTGOING BOARD MEMBER	0.50 .................	X			0	0	0
(8) NICKI DAKIS-GALLAGHER...................................................................... BOARD MEMBER	0.50 .................	X			0	0	0
(9) PAUL BEGEMANN...................................................................... VICE PRESIDENT	0.50 ................. 0.50	X	X		0	0	0
(10) STEVE MEDNICK...................................................................... BOARD MEMBER	0.50 .................	X			0	0	0
(11) STEVEN DIAZ...................................................................... SECRETARY	0.50 ................. 0.50	X	X		0	0	0
(12) TANYA SEGEL...................................................................... BOARD MEMBER	0.50 .................	X			0	0	0
(13) THACH PHAM...................................................................... TREASURER	0.50 ................. 0.50	X	X		0	0	0
(14) BONNIE BALLANTYNE...................................................................... CFO	40.00 ................. 0.50		X		94,601	0	2,610
(15) SEILA MOSQUERA...................................................................... EXECUTIVE DIRECTOR	40.00 ................. 0.50		X		129,275	0	1,140
(16) DAVID PURVIS...................................................................... CORPORATE COUNSEL	40.00 .................			X	103,836	0	14,929

- TIN:

SCHEDULE A
(Form 990 or 990EZ)

Department of the Treasury
Internal Revenue Service

Public Charity Status and Public Support

Complete if the organization is a section 501(c)(3) organization or a section 4947(a)(1) nonexempt charitable trust.
right arrow

Attach to Form 990 or Form 990-EZ.
right arrow

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2018

Open to Public
Inspection

Name of the organization

MUTUAL HOUSING ASSOCIATION OF SOUTH
CENTRAL CONNECTICUT INC

Employer identification number

22-3237413

Part I

Reason for Public Charity Status (All organizations must complete this part.) See instructions.

The organization is not a private foundation because it is: (For lines 1 through 12, check only one box.)

A church, convention of churches, or association of churches described in section 170(b)(1)(A)(i).

A school described in section 170(b)(1)(A)(ii). (Attach Schedule E (Form 990 or 990-EZ).)

A hospital or a cooperative hospital service organization described in section 170(b)(1)(A)(iii).

A medical research organization operated in conjunction with a hospital described in section 170(b)(1)(A)(iii). Enter the hospital's name, city, and state:

An organization operated for the benefit of a college or university owned or operated by a governmental unit described in section 170(b)(1)(A)(iv). (Complete Part II.)

A federal, state, or local government or governmental unit described in section 170(b)(1)(A)(v).

An organization that normally receives a substantial part of its support from a governmental unit or from the general public described in section 170(b)(1)(A)(vi). (Complete Part II.)

A community trust described in section 170(b)(1)(A)(vi). (Complete Part II.)

An agricultural research organization described in 170(b)(1)(A)(ix) operated in conjunction with a land-grant college or university or a non-land grant college of agriculture. See instructions. Enter the name, city, and state of the college or university:

An organization that normally receives: (1) more than 331/3% of its support from contributions, membership fees, and gross receipts from activities related to its exempt functions—subject to certain exceptions, and (2) no more than 331/3% of its support from gross investment income and unrelated business taxable income (less section 511 tax) from businesses acquired by the organization after June 30, 1975. See section 509(a)(2). (Complete Part III.)

An organization organized and operated exclusively to test for public safety. See section 509(a)(4).

An organization organized and operated exclusively for the benefit of, to perform the functions of, or to carry out the purposes of one or more publicly supported organizations described in section 509(a)(1) or section 509(a)(2). See section 509(a)(3). Check the box in lines 12a through 12d that describes the type of supporting organization and complete lines 12e, 12f, and 12g.

Type I. A supporting organization operated, supervised, or controlled by its supported organization(s), typically by giving the supported organization(s) the power to regularly appoint or elect a majority of the directors or trustees of the supporting organization. You must complete Part IV, Sections A and B.

Type II. A supporting organization supervised or controlled in connection with its supported organization(s), by having control or management of the supporting organization vested in the same persons that control or manage the supported organization(s). You must complete Part IV, Sections A and C.

Type III functionally integrated. A supporting organization operated in connection with, and functionally integrated with, its supported organization(s) (see instructions). You must complete Part IV, Sections A, D, and E.

Type III non-functionally integrated. A supporting organization operated in connection with its supported organization(s) that is not functionally integrated. The organization generally must satisfy a distribution requirement and an attentiveness requirement (see instructions). You must complete Part IV, Sections A and D, and Part V.

Check this box if the organization received a written determination from the IRS that it is a Type I, Type II, Type III functionally integrated, or Type III non-functionally integrated supporting organization.

Enter the number of supported organizations ...............................

Provide the following information about the supported organization(s).

(i) Name of supported organization	(ii) EIN	(iv) Is the organization listed in your governing document?		(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)
(i) Name of supported organization	(ii) EIN	Yes	No	(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)


Total

For Paperwork Reduction Act Notice, see the Instructions for
Form 990 or 990-EZ.

Cat. No. 11285F

Schedule A (Form 990 or 990-EZ) 2018

Page 2

Part II

Support Schedule for Organizations Described in Sections 170(b)(1)(A)(iv), 170(b)(1)(A)(vi), and 170(b)(1)(A)(ix)
(Complete only if you checked the box on line 5, 7, 8, or 9 of Part I or if the organization failed to qualify under Part III. If the organization fails to qualify under the tests listed below, please complete Part III.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2014	(b) 2015	(c) 2016	(d) 2017	(e) 2018	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grant.") ..	3,241,311	6,863,706	3,971,463	918,544	1,108,436	16,103,460
2	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf....
3	The value of services or facilities furnished by a governmental unit to the organization without charge..
4	Total. Add lines 1 through 3	3,241,311	6,863,706	3,971,463	918,544	1,108,436	16,103,460
5	The portion of total contributions by each person (other than a governmental unit or publicly supported organization) included on line 1 that exceeds 2% of the amount shown on line 11, column (f)..						939,592
6	Public support. Subtract line 5 from line 4.						15,163,868

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2014	(b) 2015	(c) 2016	(d) 2017	(e) 2018	(f) Total
7	Amounts from line 4..	3,241,311	6,863,706	3,971,463	918,544	1,108,436	16,103,460
8	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources...	122,607	155,454	176,795	194,378	172,210	821,444
9	Net income from unrelated business activities, whether or not the business is regularly carried on..
10	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.)..	311,922	161,344	935,897	1,488,484	2,108,880	5,006,527
11	Total support. Add lines 7 through 10						21,931,431

Gross receipts from related activities, etc. (see instructions) ..................

13,641,735

First five years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization, check this box and stop here........................................ right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2018 (line 6, column (f) divided by line 11, column (f)) .........

69.140 %

Public support percentage for 2017 Schedule A, Part II, line 14 ...............

76.730 %

16a

33 1/3% support test—2018. If the organization did not check the box on line 13, and line 14 is 33 1/3% or more, check this box
and stop here. The organization qualifies as a publicly supported organization ....................... right arrow

33 1/3% support test—2017. If the organization did not check a box on line 13 or 16a, and line 15 is 33 1/3% or more, check this
box and stop here. The organization qualifies as a publicly supported organization ..................... right arrow

17a

10%-facts-and-circumstances test—2018. If the organization did not check a box on line 13, 16a, or 16b, and line 14
is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here. Explain
in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly supported
organization ..................................................... right arrow

10%-facts-and-circumstances test—2017. If the organization did not check a box on line 13, 16a, 16b, or 17a, and line
15 is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here.
Explain in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly
supported organization ................................................ right arrow

Private foundation. If the organization did not check a box on line 13, 16a, 16b, 17a, or 17b, check this box and see
instructions ..................................................... right arrow

Schedule A (Form 990 or 990-EZ) 2018

Page 3

Part III

Support Schedule for Organizations Described in Section 509(a)(2)
(Complete only if you checked the box on line 10 of Part I or if the organization failed to qualify under Part II. If the organization fails to qualify under the tests listed below, please complete Part II.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2014	(b) 2015	(c) 2016	(d) 2017	(e) 2018	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") .
2	Gross receipts from admissions, merchandise sold or services performed, or facilities furnished in any activity that is related to the organization's tax-exempt purpose
3	Gross receipts from activities that are not an unrelated trade or business under section 513 .....
4	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf...
5	The value of services or facilities furnished by a governmental unit to the organization without charge
6	Total. Add lines 1 through 5
7a	Amounts included on lines 1, 2, and 3 received from disqualified persons
b	Amounts included on lines 2 and 3 received from other than disqualified persons that exceed the greater of $5,000 or 1% of the amount on line 13 for the year.
c	Add lines 7a and 7b..
8	Public support. (Subtract line 7c from line 6.)

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2014	(b) 2015	(c) 2016	(d) 2017	(e) 2018	(f) Total
9	Amounts from line 6...
10a	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources..
b	Unrelated business taxable income (less section 511 taxes) from businesses acquired after June 30, 1975.
c	Add lines 10a and 10b.
11	Net income from unrelated business activities not included in line 10b, whether or not the business is regularly carried on.
12	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.) ..
13	Total support. (Add lines 9, 10c, 11, and 12.)..

First five years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization,
check this box and stop here............................................. right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2018 (line 8, column (f) divided by line 13, column (f)) .........

Public support percentage from 2017 Schedule A, Part III, line 15 ...............

Section D. Computation of Investment Income Percentage

Investment income percentage for 2018 (line 10c, column (f) divided by line 13, column (f)) ......

Investment income percentage from 2017 Schedule A, Part III, line 17 .............

19a

331/3% support tests—2018. If the organization did not check the box on line 14, and line 15 is more than 33 1/3%, and line 17 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization ....... right arrow

33 1/3% support tests—2017. If the organization did not check a box on line 14 or line 19a, and line 16 is more than 33 1/3% and line 18 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization .... right arrow

Private foundation. If the organization did not check a box on line 14, 19a, or 19b, check this box and see instructions .... right arrow

Schedule A (Form 990 or 990-EZ) 2018

Page 4

Part IV

Supporting Organizations

(Complete only if you checked a box on line 12 of Part I. If you checked 12a of Part I, complete Sections A and B. If you checked 12b of Part I, complete Sections A and C. If you checked 12c of Part I, complete Sections A, D, and E. If you checked 12d of Part I, complete Sections A and D, and complete Part V.)

Section A. All Supporting Organizations

Yes

Are all of the organization’s supported organizations listed by name in the organization’s governing documents?
If "No," describe in Part VI how the supported organizations are designated. If designated by class or purpose,
describe the designation. If historic and continuing relationship, explain.

Did the organization have any supported organization that does not have an IRS determination of status under section 509(a)(1) or (2)? If "Yes," explain in Part VI how the organization determined that the supported organization was described in section 509(a)(1) or (2).

Did the organization have a supported organization described in section 501(c)(4), (5), or (6)? If "Yes," answer (b) and (c) below.

Did the organization confirm that each supported organization qualified under section 501(c)(4), (5), or (6) and satisfied the public support tests under section 509(a)(2)? If "Yes," describe in Part VI when and how the organization made the determination.

Did the organization ensure that all support to such organizations was used exclusively for section 170(c)(2)(B) purposes? If "Yes," explain in Part VI what controls the organization put in place to ensure such use.

Was any supported organization not organized in the United States ("foreign supported organization")? If “Yes” and if you checked 12a or 12b in Part I, answer (b) and (c) below.

Did the organization have ultimate control and discretion in deciding whether to make grants to the foreign supported organization? If “Yes,” describe in Part VI how the organization had such control and discretion despite being controlled or supervised by or in connection with its supported organizations.

Did the organization support any foreign supported organization that does not have an IRS determination under sections 501(c)(3) and 509(a)(1) or (2)? If “Yes,” explain in Part VI what controls the organization used to ensure that all support to the foreign supported organization was used exclusively for section 170(c)(2)(B) purposes.

Did the organization add, substitute, or remove any supported organizations during the tax year? If “Yes,” answer (b) and (c) below (if applicable). Also, provide detail in Part VI, including (i) the names and EIN numbers of the supported organizations added, substituted, or removed; (ii) the reasons for each such action; (iii) the authority under the organization's organizing document authorizing such action; and (iv) how the action was accomplished (such as by amendment to the organizing document).

Type I or Type II only. Was any added or substituted supported organization part of a class already designated in the organization's organizing document?

Substitutions only. Was the substitution the result of an event beyond the organization's control?

Did the organization provide support (whether in the form of grants or the provision of services or facilities) to anyone other than (i) its supported organizations, (ii) individuals that are part of the charitable class benefited by one or more of its supported organizations, or (iii) other supporting organizations that also support or benefit one or more of the filing organization’s supported organizations? If “Yes,” provide detail in Part VI.

Did the organization provide a grant, loan, compensation, or other similar payment to a substantial contributor (defined in section 4958(c)(3)(C)), a family member of a substantial contributor, or a 35% controlled entity with regard to a substantial contributor? If “Yes,” complete Part I of Schedule L (Form 990 or 990-EZ) .

Did the organization make a loan to a disqualified person (as defined in section 4958) not described in line 7? If “Yes,” complete Part I of Schedule L (Form 990 or 990-EZ).

Was the organization controlled directly or indirectly at any time during the tax year by one or more disqualified persons as defined in section 4946 (other than foundation managers and organizations described in section 509(a)(1) or (2))? If “Yes,” provide detail in Part VI.

Did one or more disqualified persons (as defined in line 9a) hold a controlling interest in any entity in which the supporting organization had an interest? If “Yes,” provide detail in Part VI.

Did a disqualified person (as defined in line 9a) have an ownership interest in, or derive any personal benefit from, assets in which the supporting organization also had an interest? If “Yes,” provide detail in Part VI.

10a

Was the organization subject to the excess business holdings rules of section 4943 because of section 4943(f) (regarding certain Type II supporting organizations, and all Type III non-functionally integrated supporting organizations)? If “Yes,” answer line 10b below.

10a

Did the organization have any excess business holdings in the tax year? (Use Schedule C, Form 4720, to determine whether the organization had excess business holdings).

10b

Schedule A (Form 990 or 990-EZ) 2018

Page 5

Part IV

Supporting Organizations (continued)

Yes

Has the organization accepted a gift or contribution from any of the following persons?

A person who directly or indirectly controls, either alone or together with persons described in (b) and (c) below, the governing body of a supported organization?

11a

A family member of a person described in (a) above?

11b

A 35% controlled entity of a person described in (a) or (b) above? If “Yes” to a, b, or c, provide detail in Part VI.

11c

Section B. Type I Supporting Organizations

Yes

Did the directors, trustees, or membership of one or more supported organizations have the power to regularly appoint or elect at least a majority of the organization’s directors or trustees at all times during the tax year? If “No,” describe in Part VI how the supported organization(s) effectively operated, supervised, or controlled the organization’s activities. If the organization had more than one supported organization, describe how the powers to appoint and/or remove directors or trustees were allocated among the supported organizations and what conditions or restrictions, if any, applied to such powers during the tax year.

Did the organization operate for the benefit of any supported organization other than the supported organization(s) that operated, supervised, or controlled the supporting organization? If “Yes,” explain in Part VI how providing such benefit carried out the purposes of the supported organization(s) that operated, supervised or controlled the supporting organization.

Section C. Type II Supporting Organizations

Yes

Were a majority of the organization’s directors or trustees during the tax year also a majority of the directors or trustees of each of the organization’s supported organization(s)? If “No,” describe in Part VI how control or management of the supporting organization was vested in the same persons that controlled or managed the supported organization(s).

Section D. All Type III Supporting Organizations

Yes

Did the organization provide to each of its supported organizations, by the last day of the fifth month of the organization’s tax year, (i) a written notice describing the type and amount of support provided during the prior tax year, (ii) a copy of the Form 990 that was most recently filed as of the date of notification, and (iii) copies of the organization’s governing documents in effect on the date of notification, to the extent not previously provided?

Were any of the organization’s officers, directors, or trustees either (i) appointed or elected by the supported organization(s) or (ii) serving on the governing body of a supported organization? If "No," explain in Part VI how the organization maintained a close and continuous working relationship with the supported organization(s).

By reason of the relationship described in (2), did the organization’s supported organizations have a significant voice in the organization’s investment policies and in directing the use of the organization’s income or assets at all times during the tax year? If "Yes," describe in Part VI the role the organization’s supported organizations played in this regard.

Section E. Type III Functionally-Integrated Supporting Organizations

Check the box next to the method that the organization used to satisfy the Integral Part Test during the year (see instructions):

The organization satisfied the Activities Test. Complete line 2 below.

The organization is the parent of each of its supported organizations. Complete line 3 below.

The organization supported a governmental entity. Describe in Part VI how you supported a government entity (see instructions)

Activities Test. Answer (a) and (b) below.

Yes

Did substantially all of the organization’s activities during the tax year directly further the exempt purposes of the supported organization(s) to which the organization was responsive? If "Yes," then in Part VI identify those supported organizations and explain how these activities directly furthered their exempt purposes, how the organization was responsive to those supported organizations, and how the organization determined that these activities constituted substantially all of its activities.

Did the activities described in (a) constitute activities that, but for the organization’s involvement, one or more of the organization’s supported organization(s) would have been engaged in? If "Yes," explain in Part VI the reasons for the organization’s position that its supported organization(s) would have engaged in these activities but for the organization’s involvement.

Parent of Supported Organizations. Answer (a) and (b) below.

Did the organization have the power to regularly appoint or elect a majority of the officers, directors, or trustees of each of the supported organizations? Provide details in Part VI.

Did the organization exercise a substantial degree of direction over the policies, programs and activities of each of its supported organizations? If "Yes," describe in Part VI. the role played by the organization in this regard.

Schedule A (Form 990 or 990-EZ) 2018

Page 6

Part V

Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations

Check here if the organization satisfied the Integral Part Test as a qualifying trust on Nov. 20, 1970 (explain in Part VI). See instructions. All other Type III non-functionally integrated supporting organizations must complete Sections A through E.

	Section A - Adjusted Net Income		(A) Prior Year	(B) Current Year (optional)
1	Net short-term capital gain	1
2	Recoveries of prior-year distributions	2
3	Other gross income (see instructions)	3
4	Add lines 1 through 3	4
5	Depreciation and depletion	5
6	Portion of operating expenses paid or incurred for production or collection of gross income or for management, conservation, or maintenance of property held for production of income (see instructions)	6
7	Other expenses (see instructions)	7
8	Adjusted Net Income (subtract lines 5, 6 and 7 from line 4)	8

	Section B - Minimum Asset Amount		(A) Prior Year	(B) Current Year (optional)
1	Aggregate fair market value of all non-exempt-use assets (see instructions for short tax year or assets held for part of year):	1
a	Average monthly value of securities	1a
b	Average monthly cash balances	1b
c	Fair market value of other non-exempt-use assets	1c
d	Total (add lines 1a, 1b, and 1c)	1d
e	Discount claimed for blockage or other factors (explain in detail in Part VI):
2	Acquisition indebtedness applicable to non-exempt use assets	2
3	Subtract line 2 from line 1d	3
4	Cash deemed held for exempt use. Enter 1-1/2% of line 3 (for greater amount, see instructions).	4
5	Net value of non-exempt-use assets (subtract line 4 from line 3)	5
6	Multiply line 5 by .035	6
7	Recoveries of prior-year distributions	7
8	Minimum Asset Amount (add line 7 to line 6)	8

	Section C - Distributable Amount		Current Year
1	Adjusted net income for prior year (from Section A, line 8, Column A)	1
2	Enter 85% of line 1	2
3	Minimum asset amount for prior year (from Section B, line 8, Column A)	3
4	Enter greater of line 2 or line 3	4
5	Income tax imposed in prior year	5
6	Distributable Amount. Subtract line 5 from line 4, unless subject to emergency temporary reduction (see instructions)	6

Check here if the current year is the organization's first as a non-functionally-integrated Type III supporting organization (see instructions)

Schedule A (Form 990 or 990-EZ) 2018

Page 7

Part V

Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations (continued)

Section D - Distributions		Current Year
1 Amounts paid to supported organizations to accomplish exempt purposes
2 Amounts paid to perform activity that directly furthers exempt purposes of supported organizations, in excess of income from activity
3 Administrative expenses paid to accomplish exempt purposes of supported organizations
4 Amounts paid to acquire exempt-use assets
5 Qualified set-aside amounts (prior IRS approval required)
6 Other distributions (describe in Part VI). See instructions
7Total annual distributions. Add lines 1 through 6.
8 Distributions to attentive supported organizations to which the organization is responsive (provide details in Part VI). See instructions
9 Distributable amount for 2018 from Section C, line 6
10 Line 8 amount divided by Line 9 amount

Section E - Distribution Allocations (see instructions)		(i) Excess Distributions	(ii) Underdistributions Pre-2018	(iii) Distributable Amount for 2018
1 Distributable amount for 2018 from Section C, line 6
2 Underdistributions, if any, for years prior to 2018 (reasonable cause required-- explain in Part VI). See instructions.
3 Excess distributions carryover, if any, to 2018:
a From 2013.......
b From 2014.......
c From 2015.......
d From 2016.......
e From 2017.......
fTotal of lines 3a through e
g Applied to underdistributions of prior years
h Applied to 2018 distributable amount
i Carryover from 2013 not applied (see instructions)
j Remainder. Subtract lines 3g, 3h, and 3i from 3f.
4Distributions for 2018 from Section D, line 7:
$
a Applied to underdistributions of prior years
b Applied to 2018 distributable amount
c Remainder. Subtract lines 4a and 4b from 4.
5 Remaining underdistributions for years prior to 2018, if any. Subtract lines 3g and 4a from line 2. If the amount is greater than zero, explain in Part VI. See instructions.
6 Remaining underdistributions for 2018. Subtract lines 3h and 4b from line 1. If the amount is greater than zero, explain in Part VI. See instructions.
7 Excess distributions carryover to 2019. Add lines 3j and 4c.
8 Breakdown of line 7:
a Excess from 2014......
b Excess from 2015.....
c Excess from 2016.....
d Excess from 2017.....
e Excess from 2018.....

Schedule A (Form 990 or 990-EZ) (2018)

Schedule A (Form 990 or 990-EZ) 2018

Page 8

Part VI

Supplemental Information. Provide the explanations required by Part II, line 10; Part II, line 17a or 17b; Part III, line 12; Part IV, Section A, lines 1, 2, 3b, 3c, 4b, 4c, 5a, 6, 9a, 9b, 9c, 11a, 11b, and 11c; Part IV, Section B, lines 1 and 2; Part IV, Section C, line 1; Part IV, Section D, lines 2 and 3; Part IV, Section E, lines 1c, 2a, 2b, 3a and 3b; Part V, line 1; Part V, Section B, line 1e; Part V Section D, lines 5, 6, and 8; and Part V, Section E, lines 2, 5, and 6. Also complete this part for any additional information. (See instructions).

Facts And Circumstances Test

Return Reference	Explanation
SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME:	OTHER INCOME - 2014 AMOUNT: $ 311,922. 2015 AMOUNT: $ 161,344. 2016 AMOUNT: $ 81,907. 2017 AMOUNT: $ 447,795. 2018 AMOUNT: $ 624,429. FORGIVENESS OF DEBT - 2016 AMOUNT: $ 853,990. 2017 AMOUNT: $ 1,040,689. 2018 AMOUNT: $ 1,484,451.

Schedule A (Form 990 or 990-EZ) 2018

Additional Data

Software ID:
Software Version:

- TIN:

Schedule B
(Form 990, 990-EZ,
or 990-PF)

Department of the Treasury
Internal Revenue Service

Schedule of Contributors

Attach to Form 990, 990-EZ, or 990-PF.

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2018

Name of the organization

MUTUAL HOUSING ASSOCIATION OF SOUTH
CENTRAL CONNECTICUT INC

Employer identification number

22-3237413

Organization type (check one):

Filers of:

Section:

Form 990 or 990-EZ

501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization

Form 990-PF

501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation

Check if your organization is covered by the General Rule or a Special Rule.
Note. Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.

General Rule

For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or other property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.

Special Rules

For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 33¹/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Don't complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... Arrow Bullet

Caution. An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its
Form 990-EZ or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).

For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.

Cat. No. 30613XSchedule B (Form 990, 990-EZ, or 990-PF) (2018)

Schedule B (Form 990, 990-EZ, or 990-PF) (2018) Page 2

Name of organization MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT INC

Part I	Contributors (See instructions). Use duplicate copies of Part I if additional space is needed.
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
RESTRICTED	,	$ RESTRICTED	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
Schedule B (Form 990, 990-EZ, or 990-PF) (2018)

Schedule B (Form 990, 990-EZ, or 990-PF) (2018)

Page 3

Name of organization MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT INC		Employer identification number 22-3237413

Part II	Noncash Property (See instructions). Use duplicate copies of Part II if additional space is needed.
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
Schedule B (Form 990, 990-EZ, or 990-PF) (2018)

Schedule B (Form 990, 990-EZ, or 990-PF) (2018)

Page 4


Name of organization MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT INC			Employer identification number 22-3237413
Part III Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $ Use duplicate copies of Part III if additional space is needed.

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

Schedule B (Form 990, 990-EZ, or 990-PF) (2018)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE D
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Financial Statements

Complete if the organization answered "Yes," on Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b.
SchDMd Bullet

Attach to Form 990.
SchDMd Bullet

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2018

Open to Public Inspection

Name of the organization

MUTUAL HOUSING ASSOCIATION OF SOUTH
CENTRAL CONNECTICUT INC

Employer identification number

22-3237413

Part I

Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" on Form 990, Part IV, line 6.

		(a) Donor advised funds	(b) Funds and other accounts
1	Total number at end of year .........
2	Aggregate value of contributions to (during year)
3	Aggregate value of grants from (during year)
4	Aggregate value at end of year ........

Did the organization inform all donors and donor advisors in writing that the assets held in donor advised funds are the organization’s property, subject to the organization’s exclusive legal control? ............

Yes No

Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................

Yes No

Part II

Conservation Easements. Complete if the organization answered "Yes" on Form 990, Part IV, line 7.

Purpose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of an historically important land area

Protection of natural habitat Preservation of a certified historic structure

Preservation of open space

Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.


a	Total number of conservation easements ......................	2a
b	Total acreage restricted by conservation easements ....................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after 7/25/06, and not on a historic structure listed in the National Register ...	2d

Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the
tax year SchDMd Bullet

Number of states where property subject to conservation easement is located SchDMd Bullet

Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and enforcement of the conservation easements it holds? ............

Yes No

Staff and volunteer hours devoted to monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
SchDMd Bullet

Amount of expenses incurred in monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
SchDMd Bullet

Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .............................

Yes No

In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" on Form 990, Part IV, line 8.

If the organization elected, as permitted under SFAS 116 (ASC 958), not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.

If the organization elected, as permitted under SFAS 116 (ASC 958), to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:

(i)

Revenue included on Form 990, Part VIII, line 1 ......................... SchDMd Bullet

(ii)

Assets included in Form 990, Part X ............................... SchDMd Bullet

If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under SFAS 116 (ASC 958) relating to these items:

Revenue included on Form 990, Part VIII, line 1 .......................... SchDMd Bullet

Assets included in Form 990, Part X ............................... SchDMd Bullet

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 52283D

Schedule D (Form 990) 2018

Page 2

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):

Public exhibition

Loan or exchange programs

Scholarly research

Other

Preservation for future generations

Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.

During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?...

Yes No

Part IV

Escrow and Custodial Arrangements. Complete if the organization answered "Yes" on Form 990, Part IV, line 9, or reported an amount on Form 990, Part X, line 21.

Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................

Yes No


b	If "Yes," explain the arrangement in Part XIII and complete the following table:		Amount
c	Beginning balance .............................	1c
d	Additions during the year ............................	1d
e	Distributions during the year ..........................	1e
f	Ending balance ................................	1f

Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability? ...

Yes No

If "Yes," explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII ....

Part V

Endowment Funds. Complete if the organization answered "Yes" on Form 990, Part IV, line 10.

		(a)Current year	(b)Prior year	(c)Two years back	(d)Three years back	(e)Four years back

1a	Beginning of year balance ....
b	Contributions ...
c	Net investment earnings, gains, and losses
d	Grants or scholarships ...
e	Other expenditures for facilities and programs ...
f	Administrative expenses ....
g	End of year balance ......

Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:

Board designated or quasi-endowment SchDMd Bullet

Permanent endowment SchDMd Bullet

Temporarily restricted endowment SchDMd Bullet

The percentages on lines 2a, 2b, and 2c should equal 100%.

Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes

(i) unrelated organizations .................

3a(i)

(ii) related organizations .................

3a(ii)

If "Yes" on 3a(ii), are the related organizations listed as required on Schedule R? .........

Describe in Part XIII the intended uses of the organization's endowment funds.

Part VI

Land, Buildings, and Equipment.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11a. See Form 990, Part X, line 10.

Description of property		(a) Cost or other basis (investment)	(b) Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value

1a	Land .....	1,918,588		1,918,588
b	Buildings ....	23,384,156	8,796,888	14,587,268
c	Leasehold improvements
d	Equipment ....	700,063	672,364	27,699
e	Other .....
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).)..				16,533,555

Schedule D (Form 990) 2018

Page 3

Part VII

InvestmentsOther Securities. Complete if the organization answered "Yes" on Form 990, Part IV, line 11b. See Form 990, Part X, line 12.

(a) Description of security or category (including name of security)	(b) Book value	(c) Method of valuation: Cost or end-of-year market value
(1) Financial derivatives.........
(2) Closely-held equity interests........
(3) Other (A) 846106	846,106	C
(B) HUBBARD WOODS MUTUAL HOUSING LP	12,265	C
(C) GUILFORD INTERFAITH MUTUAL HOUSING LP	69,591	C
(D) RICHARD STREET LP	153,700	C
(E) FERRY MUTUAL HOUSING LP	12	C
(F) WILLOW MUTUAL HOUSING LP	938,736	C
(G) KIRKHAM MUTUAL HOUSING LP	9	C
(H) HIGHWOOD SQUARE MUTUAL HOUSING LP	1,233,565	C
(I) FAIR HAVEN MUTUAL HOUSING LP	1,738,128	C
Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)	4,992,112

Part VIII

InvestmentsProgram Related. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11c. See Form 990, Part X, line 13.

(a) Description of investment	(b) Book value	(c) Method of valuation: Cost or end-of-year market value

(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)

Part IX

Other Assets. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11d. See Form 990, Part X, line 15.

(a) Description				(b) Book value
(1) CONSTRUCTION IN PROGRESS				3,145,001
(2) RESIDENT SECURITY DEPOSITS				123,018
(3) RESTRICTED CASH (ESCROWS)				443,412
(4) OTHER ASSETS				1,006
(5) DUE TO /FROM AFFILIATES				214,536
(6) DEVELOPER FEE RECEIVABLE				2,763,326
(7) ACCRUED INTEREST RECEIVABLE				1,048,071
(8) OTHER RECEIVABLES				663,377
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........				8,401,747

Part X

Other Liabilities. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.

1.(a) Description of liability	(b) Book value
(1) Federal income taxes
MEMBERSHIP FEES	82,709
SECURITY DEPOSITS	117,247
DEVELOPER FEE PAYABLE	5,376
LINE OF CREDIT	450,000
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)	655,332
2. Liability for uncertain tax positions. In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII

Schedule D (Form 990) 2018

Page 4

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total revenue, gains, and other support per audited financial statements .......		1
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains (losses) on investments ....	2a
b	Donated services and use of facilities .........	2b
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d .....................		2e
3	Subtract line 2e from line 1..................		3
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a
b	Other (Describe in Part XIII.) ...........	4b
c	Add lines 4a and 4b....................		4c
5	Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ......		5

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total expenses and losses per audited financial statements ...........		1
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities .........	2a
b	Prior year adjustments ............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d....................		2e
3	Subtract line 2e from line 1...................		3
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a
b	Other (Describe in Part XIII.) ............	4b
c	Add lines 4a and 4b.....................		4c
5	Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ......		5

Part XIII

Supplemental Information

Provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b; Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.

Return Reference

Explanation

PART X, LINE 2:

NWNH HAS NO UNRECOGNIZED TAX BENEFITS AT DECEMBER 31, 2018. NWNH'S FEDERAL INFORMATION RETURNS PRIOR TO FISCAL YEAR 2015 ARE CLOSED AND MANAGEMENT CONTINUALLY EVALUATES EXPIRING STATUTES OF LIMITATIONS, AUDITS, PROPOSED SETTLEMENTS, CHANGES IN TAX LAW AND NEW AUTHORITATIVE RULINGS. IF APPLICABLE, NWNH WOULD RECOGNIZE INTEREST AND PENALTIES ASSOCIATED WITH TAX MATTERS AS PART OF INTEREST EXPENSE IN THE CONSOLIDATED STATEMENT OF ACTIVITIES AND INCLUDE ACCRUED INTEREST AND PENALTIES IN ACCRUED INTEREST IN THE CONSOLIDATED STATEMENT OF FINANCIAL POSITION. NWNH DID NOT RECOGNIZE ANY INTEREST OR PENALTIES ASSOCIATED WITH TAX MATTERS FOR THE YEAR ENDED DECEMBER 31, 2018.

Schedule D (Form 990) 2018

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
MediumBullet

Attach to Form 990 or 990-EZ.
MediumBullet

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2018

Open to Public
Inspection

Name of the organization

MUTUAL HOUSING ASSOCIATION OF SOUTH
CENTRAL CONNECTICUT INC

Employer identification number

22-3237413

Return Reference	Explanation
FORM 990, PART III LINE 4B PROGRAM SERVICE ACCOMPLISHMENTS:	ELIAS HOWE 287 CLINTON AVENUE, BRIDGEPORT 37 UNITS ELIAS HOWE WAS PREVIOUSLY A SCHOOL WHICH WAS VACANT AND IN NEED OF MAJOR REPAIRS. NWNH PARTNERED WITH A LOCAL DEVELOPER AND OBTAINED FUNDING TO REHAB THE ENTIRE BUILDING INTO ONE-BEDROOM APARTMENTS, LAUNDRY ROOM AND COMMUNITY SPACES. IT SERVES SENIORS OF VERY-LOW INCOME AFFORDABLE HOUSING. WITH AMENITIES AND IN CLOSE PROXIMITY TO PUBLIC TRANSPORTATION AND SERVICES. THE BRIDGEPORT HOUSING AUTHORITY IS ALSO A PARTNER AND PROVIDES RENTAL SUBSIDIES TO THE TENANTS. SOUTHINGTON 497 DARLING STREET 40 UNITS OF AFFORDABLE HOUSING FOR SENIORS. NEW CONSTRUCTION COMMENCED IN AUGUST 2013 AND WAS COMPLETED AND LEASED UP IN MAY 2015. ST PAUL'S COMMONS 56 UNITS OF AFFORDABLE HOUSING IN ONE THREE STORY BUILDING AND 16 UNITS FOR SENIORS IN FOUR GARDEN STYLE TOWNHOUSES. EACH SITE HAS A COMMUNITY ROOM FOR RESIDENTS. NEW CONSTRUCTION COMMENCED IN OCTOBER 2014 AND WAS COMPLETED AND LEASED UP BETWEEN DECEMBER 2015 THROUGH MAY 2016. SPRUCE MEADOWS-100 SOUTH BROAD STREET 43 RENTAL UNITS THIS IS A NEW CONSTRUCTION DEVELOPMENT, WHICH HAS 2 THREE-STORY BUILDINGS AND ONE MANAGEMENT BUILDING. NEW CONSTRUCTION COMMENCED IN SEPTEMBER, 2015 AND WAS COMPLETE AND LEASED UP BETWEEN APRIL 2017 THROUGH JULY, 2017 UNION SCHOOL 564 THOMPSON AV., EAST HAVEN - 18 RENTAL UNITS THIS PROJECT WAS ACQUIRED IN 2018 FROM A DEFUNCT DEVELOPMENT AGENCY THAT INCLUDED THE CONVERSION OF AN ABANDONED, NEIGHBORHOOD SCHOOL TO BE USED TO PROVIDE AFFORDABLE HOUSING OPPORTUNITIES FOR AREA SENIORS. ALL RESIDENTS OF THE DEVELOPMENT ARE BELOW 60% OF THE AREA MEDIAN INCOME. LIBERTY PLACE - 8 LIBERTY PLACE, CLINTON- 21 UNITS FULL OCCUPANCY WAS ACHIEVED SEPTEMBER 2018. NEW CONSTRUCTION, MIXED INCOME DEVELOPMENT FUNDED THROUGH THE LOW INCOME HOUSING TAX CREDIT PROGRAM.
FORM 990, PART VI, SECTION A, LINE 2	BOARD MEMBERS CARL NORBECK AND SUSAN FARRICIELLI HAVE A FAMILY RELATIONSHIP.
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION WAS INCORPORATED UNDER THE NONSTOCK CORPORATION ACT OF THE STATE OF CONNECTICUT. THE ORGANIZATION IS A NONPROFIT AND SHALL NOT HAVE OR ISSUE SHARES OF STOCK OR PAY DIVIDENDS. THERE SHALL BE FIVE TYPES OF VOTING MEMBERSHIPS: RESIDENT MEMBERSHIP; CORPORATE MEMBERSHIP; GOVERNMENT MEMBERSHIP; NON-PROFIT MEMBERSHIP; AND COMMUNITY MEMBERSHIP. RESIDENT MEMBERSHIP: A RESIDENT OF A LOW-INCOME RESIDENCE WITHIN THE ORGANIZATION'S SERVICE AREA; OR AN INDIVIDUAL WHO IS ELECTED OR APPOINTED TO REPRESENT RESIDENTS OF LOW-INCOME COMMUNITIES WITHIN THE ORGANIZATION'S SERVICE AREA; OR AN INDIVIDUAL WHO IS A NWNH RESIDENT AND IS IN GOOD STANDING. COMMUNITY MEMBERSHIP: SHALL BE GRANTED TO A DESIGNATED REPRESENTATIVE FROM HOUSEHOLDS WITHIN THE NEIGHBORHOOD OF ANY NWNH-OWNED DWELLING UNITS OR PROPOSED NWNH PROJECTS; AND A COMMUNITY RESIDENT MUST BE A PERSON WITH A COMMUNITY ORIENTED INTEREST IN THE NWNH, INCLUDING STEERING COMMITTEE MEMBERS. CORPORATE SECTOR MEMBERSHIP: MAY BE GRANTED TO AN INDIVIDUAL WHO IS EMPLOYED OR ON THE BOARD OF DIRECTORS OF A CORPORATION, OR ASSIGNED TO REPRESENT AN ENTITY IN THE CORPORATE OR BUSINESS SECTOR, WHO HAS ATTAINED THE AGE OF 18 AND WHO HAS EXPRESSED INTEREST IN THE FURTHERANCE OF AND DEMONSTRATED SUPPORT FOR MUTUAL HOUSING. SUCH MEMBERS SHALL PROVIDE ADVICE, EXPERTISE, COUNSEL AND SUPPORT TO THE ASSOCIATION IN SUCH FIELDS AS ORGANIZATION AND ADMINISTRATION, HOUSING DEVELOPMENT, AND CONSTRUCTION, PROPERTY MANAGEMENT, RESOURCE DEVELOPMENT, PUBLIC RELATIONS AND IN LEGAL, FINANCIAL, AND OTHER TECHNICAL AREAS. GOVERNMENT SECTOR MEMBERSHIP: MAY BE GRANTED TO AN INDIVIDUAL, WHO IS ELECTED, APPOINTED, OR AN EMPLOYEE OF A MUNICIPAL, STATE, OR FEDERAL GOVERNMENT AGENCY AND WHO HAS ATTAINED THE AGE OF 18 YEARS. NON-PROFIT MEMBERSHIP: MAY BE GRANTED TO A REPRESENTATIVE OF COMMUNITY, RELIGIOUS, SOCIAL SERVICES, OR AFFORDABLE HOUSING GROUPS, 19 YEARS OR OLDER, WHO HAVE DEMONSTRATED INTEREST IN MUTUAL HOUSING, OR WORKS ON BEHALF OF PEOPLE WHO NEED AFFORDABLE HOUSING, AND CAN SERVE AS ADVOCATES FOR THE ON-GOING PRODUCTION OF MUTUAL HOUSING. MEMBERS SHALL BE ENTITLED TO PARTICIPATE IN THE AFFAIRS OF THE ASSOCIATION AS PROVIDED BY THE BY-LAWS, AND THE CERTIFICATION OF INCORPORATION.
FORM 990, PART VI, SECTION A, LINE 8B	MINUTES ARE TAKEN FOR ALL BOARD OF DIRECTORS MEETINGS AND ARE REVIEWED AND APPROVED AT THE NEXT MEETING. AUTHORIZED COMMITTEES OF THE BOARD OF DIRECTORS REPORT TO AND MAKE PRESENTATIONS AT THE BOARD OF DIRECTOR MEETINGS OF THEIR RECOMMENDATIONS OR RESULTS OF THEIR MEETINGS THAT ARE RECORDED IN THE BOARD OF DIRECTORS MEETINGS. IF A COMMITTEE RECOMMENDS THAT AN ACTION SHOULD BE TAKEN, THE BOARD OF DIRECTORS VOTES IN ACCORDANCE WITH THE ORGANIZATION'S BY-LAWS WHETHER TO APPROVE OR NOT TO APPROVE THE RECOMMENDATION.
FORM 990, PART VI, SECTION B, LINE 11B	A DRAFT OF THE FORM 990 IS PROVIDED TO AND REVIEWED BY THE PRESIDENT, TREASURER, EXECUTIVE DIRECTOR AND DIRECTOR OF FINANCE PRIOR TO FILING. A COPY OF THE FORM IS SUBSEQUENTLY MADE AVAILABLE AT A SUBSEQUENT BOARD OF DIRECTORS MEETING FOR MEMBERS OF THE BOARD TO REVIEW.
FORM 990, PART VI, SECTION B, LINE 12C	DIRECTORS SIGN YEARLY CONFLICT OF INTEREST STATEMENTS AND RECUSE THEMSELVES FROM VOTING IF THERE IS A POTENTIAL CONFLICT.
FORM 990, PART VI, SECTION B, LINE 15	THE BOARD OF DIRECTORS REVIEWS INDUSTRY STANDARDS AND PERFORMANCE REVIEWS.
FORM 990, PART VI, SECTION C, LINE 19	DOCUMENTS ARE SCANNED AND MAINTAINED ON THE ORGANIZATION'S SERVER; COPIES PROVIDED UPON REQUEST.
FORM 990, PART XI, LINE 9:	SPRUCE MEADOWS INVESTMENT -5,638,245.
FORM 990, PART XII, LINE 2C	THERE HAVE BEEN NO CHANGES MADE TO THE ORGANIZATION'S OVERSIGHT OR SELECTION PROCESS DURING THE TAX YEAR.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2018

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE R
(Form 990)

Department of the Treasury
Internal Revenue Service

Related Organizations and Unrelated Partnerships

Complete if the organization answered "Yes" on Form 990, Part IV, line 33, 34, 35b, 36, or 37.
MediumBullet

Attach to Form 990.
MediumBullet

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2018

Open to Public Inspection

Name of the organization

MUTUAL HOUSING ASSOCIATION OF SOUTH
CENTRAL CONNECTICUT INC

Employer identification number

22-3237413

Part I

Identification of Disregarded Entities Complete if the organization answered "Yes" on Form 990, Part IV, line 33.

(a) Name, address, and EIN (if applicable) of disregarded entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(e) End-of-year assets	(f) Direct controlling entity
(1) ELIAS HOWE MUTUAL HOUSING LLC 235 GRAND AVENUE NEW HAVEN,CT06513 45-4077001	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	0	MHA
(2) HILL - MHA LLC 235 GRAND AVENUE NEW HAVEN,CT06513 45-2527235	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	3,951,342	MHA
(3) HUBBARD WOODS LLC 235 GRAND AVENUE NEW HAVEN,CT06513 46-2997030	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	81,521	MHA
(4) KIRKHAM MUTUAL HOUSING DEVELOPMENT LLC 235 GRAND AVENUE NEW HAVEN,CT06513 75-3226704	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	-35	MHA
(5) SPRUCE MEADOWS LLC 235 GRAND AVENUE NEW HAVEN,CT06513 46-3502944	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	0	MHA
(6) WATERBURY COMMUNITY INVESTMENTS LLC 235 GRAND AVENUE NEW HAVEN,CT06513	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	0	MHA
(7) WILLOW MUTUAL HOUSING DEVELOPMENT CORPORATION LLC 235 GRAND AVENUE NEW HAVEN,CT06513 20-0455958	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	940,983	MHA

Part II

Identification of Related Tax-Exempt Organizations Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related tax-exempt organizations during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	(g) Section 512(b)(13) controlled entity?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	Yes	No
(1)WINTER GROVE CORPORATION 235 GRAND AVENUE NEW HAVEN,CT06513 45-5559338	DEVELOPMENT OF 40 UNITS, ELDERLY SUPPORTIVE HUD 202	CT	501(C)(3)	LINE 7	MHA	Yes

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50135Y

Schedule R (Form 990) 2018

Page 2

Part III

Identification of Related Organizations Taxable as a Partnership Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a partnership during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Predominant income(related, unrelated, excluded from tax under sections 512-514)	(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?		(k) Percentage ownership
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity		(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No
(1) FAIR HAVEN MUTUAL HOUSING LP 235 GRAND AVENUE NEW HAVEN,CT06513 27-0438961	RENTAL OF LOW-INCOME HOUSING	CT	FAIR HAVEN MUTUAL HOUSING DEVELOPMENT CORP	RELATED	-39	3,242,764		No		Yes		0.010 %
(2) FERRY MUTUAL HOUSING LP 235 GRAND AVENUE NEW HAVEN,CT06513 87-0744420	RENTAL OF LOW-INCOME HOUSING	CT	FERRY MUTUAL HOUSING DEVELOPMENT CORPORATION	RELATED	4,982	265,783		No		Yes		0.010 %
(3) GEORGE STREET MUTUAL HOUSING LP 235 GRAND AVENUE NEW HAVEN,CT06513 06-1414093	RENTAL OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION INC	RELATED	-7	1,139,438		No		Yes		0.010 %
(4) GUILFORD INTERFAITH MUTUAL HOUSING LIMITED PARTNERSHIP 235 GRAND AVENUE NEW HAVEN,CT06513 06-1557560	RENTAL OF LOW-INCOME HOUSING	CT	GUILFORD MUTUAL HOUSING ASSOCIATION INC	RELATED	-1	62,992		No		Yes		0.010 %
(5) HIGHWOOD SQUARE LP 235 GRAND AVENUE NEW HAVEN,CT06513 26-3638393	RENTAL OF LOW-INCOME HOUSING	CT	DIXWELL COLUMBUS DEVELOPMENT CORPORATION	RELATED	-43	3,986,411		No		Yes		0.010 %
(6) HUBBARD WOODS MUTUAL HOUSING LP 235 GRAND AVENUE NEW HAVEN,CT06513 06-1442533	RENTAL OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION INC	RELATED	1,521	88,046		No		Yes		100.000 %
(7) KIRKHAM MUTUAL HOUSING LP 235 GRAND AVENUE NEW HAVEN,CT06513 43-2115158	RENTAL OF LOW-INCOME HOUSING	CT	KIRKHAM MUTUAL HOUSING DEVELOPMENT LLC	RELATED	-18	224,759		No		Yes		0.010 %
(8) LIBERTY PLACE AFFORDABLE HOUSING LP 235 GRAND AVENUE NEW HAVEN,CT06513 35-2581759	RENTAL OF LOW-INCOME HOUSING	CT	LIBERTY PLACE AFFORDABLE HOUSING GP LLC	RELATED		561,058		No		Yes		0.010 %
(9) RICHARD STREET LP 235 GRAND AVENUE NEW HAVEN,CT06513 06-1465736	RENTAL OF LOW-INCOME HOUSING	CT	FAIR HAVEN HOUSING CORPORATION	RELATED	-4	290,095		No		Yes		0.010 %
(10) SAINT PAUL'S LP 235 GRAND AVENUE NEW HAVEN,CT06513 80-0949557	RENTAL OF LOW-INCOME HOUSING	CT	SAINT PAUL'S MUTUAL HOUSING ASSOCIATION LLC	RELATED	-3	741,393		No		Yes		0.010 %
(11) WILLOW MUTUAL HOUSING LP 235 GRAND AVENUE NEW HAVEN,CT06513 20-0456038	RENTAL OF LOW-INCOME HOUSING	CT	WILLOW MUTUAL HOUSING DEVELOPMENT LLC	RELATED	-255,998	388,832		No		Yes		0.010 %

Part IV

Identification of Related Organizations Taxable as a Corporation or Trust Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets	(h) Percentage ownership	(i) Section 512(b)(13) controlled entity?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets		Yes	No
(1) 730 GEORGE STREET OF NEW HAVEN CORPORATION 235 GRAND AVENUE NEW HAVEN,CT06513 06-1414094	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C	-3,733	841,923	100.000 %	Yes
(2) ARLOW MUTUAL HOUSING LLC 235 GRAND AVENUE NEW HAVEN,CT06513 03-0458700	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C	-800	3,460	100.000 %	Yes
(3) DIXWELL COLUMBUS DEVELOPMENT CORPORATION 235 GRAND AVENUE NEW HAVEN,CT06513 26-3638308	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C	-5,267	1,233,339	100.000 %	Yes
(4) FAIR HAVEN HOUSING CORPORATION INC 235 GRAND AVENUE NEW HAVEN,CT06513 06-1465734	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C	-1,072	130,781	100.000 %	Yes
(5) FAIR HAVEN MUTUAL HOUSING DEVELOPMENT CORPORATION 235 GRAND AVENUE NEW HAVEN,CT06513 27-4478376	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C	-7,141	1,870,314	100.000 %	Yes
(6) FERRY MUTUAL HOUSING DEVELOPMENT CORPORATION (A LIMITED LIABILITY COMPANY) 235 GRAND AVENUE NEW HAVEN,CT06513 87-0744425	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C		3,490	100.000 %	Yes
(7) GUILFORD MUTUAL HOUSING ASSOCIATION INC 235 GRAND AVENUE NEW HAVEN,CT06513 06-1557636	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C		37,841	100.000 %	Yes
(8) HUBBARD WOODS MUTUAL HOUSING ASSOCIATION INC 235 GRAND AVENUE NEW HAVEN,CT06513 06-1453177	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C	1,603	96,647	100.000 %	Yes
(9) MUTUAL RIDGE MEADOW LLC 235 GRAND AVENUE NEW HAVEN,CT06513	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C					No
(10) ST PAUL'S MUTUAL HOUSING ASSOCIATION LLC 235 GRAND AVENUE NEW HAVEN,CT06513 46-3551870	DEVELOPMENT AND MANAGEMENT OF LOW-INCOME HOUSING	CT	MUTUAL HOUSING ASSOCIATION OF SOUTH CENTRAL CONNECTICUT	C	-828		100.000 %	Yes

Schedule R (Form 990) 2018

Page 3

Part V

Transactions With Related Organizations Complete if the organization answered "Yes" on Form 990, Part IV, line 34, 35b, or 36.

Note. Complete line 1 if any entity is listed in Parts II, III, or IV of this schedule.

Yes

1 During the tax year, did the orgranization engage in any of the following transactions with one or more related organizations listed in Parts II-IV?

a Receipt of (i) interest, (ii) annuities, (iii) royalties, or (iv) rent from a controlled entity .....................

b Gift, grant, or capital contribution to related organization(s) ............................

c Gift, grant, or capital contribution from related organization(s) ............................

d Loans or loan guarantees to or for related organization(s) ............................

e Loans or loan guarantees by related organization(s) ............................

f Dividends from related organization(s) ............................

g Sale of assets to related organization(s) ............................

h Purchase of assets from related organization(s) ............................

i Exchange of assets with related organization(s) ............................

j Lease of facilities, equipment, or other assets to related organization(s) .......................

k Lease of facilities, equipment, or other assets from related organization(s) ......................

l Performance of services or membership or fundraising solicitations for related organization(s) .....................

Yes

m Performance of services or membership or fundraising solicitations by related organization(s) .................

n Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) ...................

o Sharing of paid employees with related organization(s) ............................

Yes

p Reimbursement paid to related organization(s) for expenses ............................

q Reimbursement paid by related organization(s) for expenses ............................

r Other transfer of cash or property to related organization(s) ............................

s Other transfer of cash or property from related organization(s) ............................

If the answer to any of the above is "Yes," see the instructions for information on who must complete this line, including covered relationships and transaction thresholds.

(a) Name of related organization	(b) Transaction type (a-s)	(c) Amount involved	(d) Method of determining amount involved
(1) SPRUCE MEADOWS LLC	L	59,364	COST
(2) LIBERTY PLACE AFFORDABLE HOUSING LP	L	88,120	COST
(3) SAINT PAUL'S COMMONS LP	O	70,035	COST
(4) SHORELINE	O	68,715	COST
(5) FERRY MUTUAL HOUSING DEVELOPMENT	O	67,136	COST
(6) FAIRHAVEN MUTUAL HOUSING DEVELOPMENT	O	72,685	COST
(7) GEORGE STREET MUTUAL HOUSING LP	O	80,869	COST

Schedule R (Form 990) 2018

Page 4

Part VI

Unrelated Organizations Taxable as a Partnership Complete if the organization answered "Yes" on Form 990, Part IV, line 37.

Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assets or gross revenue) that was not a related organization. See instructions regarding exclusion for certain investment partnerships.

(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(e) Are all partners section 501(c)(3) organizations?		(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?
(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	Yes	No	(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No

Schedule R (Form 990) 2018

Page 5

Part VII

Supplemental Information

Provide additional information for responses to questions on Schedule R (see instructions).

Return Reference	Explanation

Schedule R (Form 990) 2018

Additional Data

Software ID:
Software Version:

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	918,544	1,108,436
9	Program service revenue (Part VIII, line 2g) .........	2,632,265	2,574,885
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	90,821	40,884
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	1,488,484	2,108,880
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	5,130,114	5,833,085
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	0	0
14	Benefits paid to or for members (Part IX, column (A), line 4).....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	2,009,445	1,912,885
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 187,373
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	3,533,405	3,034,162
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	5,542,850	4,947,047
19	Revenue less expenses. Subtract line 18 from line 12.......	-412,736	886,038
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	49,970,917	38,716,772
21	Total liabilities (Part X, line 26).............	29,492,999	22,991,061
22	Net assets or fund balances. Subtract line 21 from line 20.....	20,477,918	15,725,711

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ 654,811 including grants of $ ) (Revenue $ 398,194 )
	REAL ESTATE DEVELOPMENTTHE REAL ESTATE DEVELOPMENT DIVISION PROVIDES A SIGNIFICANT SOURCE OF NEIGHBORWORKS NEW HORIZONS REVENUE THROUGH THE GENERATION OF DEVELOPER'S FEES UPON THE COMPLETION AND OCCUPANCY OF EACH DEVELOPMENT. REAL ESTATE DEVELOPMENT WORKS WITH MUNICIPALITIES ON SITE SELECTION, OBTAINS FUNDING COMMITMENTS, SELECTS GENERAL CONTRACTORS AND OVERSEES CONSTRUCTION.NEW HAVEN147 SALTSONSTALL 2 UNITSNEW CONSTRUCTION FOR ONE HOMEOWNERSHIP OPPORTUNITY. CONSTRUCTION INCLUDES DEMOLITION OF EXISTING STRUCTURE.217 WINTHROP AVENUE 4 UNITSNEW CONSTRUCTION FOR TWO HOMEOWNERSHIP OPPORTUNITIES. RICHARD STREET II - 26 UNITSCONSISTS OF 20 UNITS FROM EXISTING PORTFOLIO IN NEED OF CAPITAL UPGRADES AND 3 UNITS EACH AT 135 JAMES STREET AND 19 RICHARD STREET. BOTH BUILDINGS COMPLETED LEAD-BASED PAINT REMEDIATION IN THE SUMMER OF 2016. PAWCATUCKSPRUCE RIDGE-86-88 SOUTH BROAD STREET 43 UNITSTHIS IS A NEW CONSTRUCTION DEVELOPMENT, WHICH WILL HAVE 2 THREE-STORY BUILDINGS. ANTICIPATED COMPLETION BY JAN, 2020.WATERBURYLINDEN STREET 44 UNITSTHIS IS A NEW CONSTRUCTION PROJECT CONSISTING OF TWO BUILDINGS WITH 1-3 BEDROOM UNITS.CENTRAL AVENUE 8 UNITS TWO MULTI-FAMILY PROPERTIES LOCATED AT 54 CENTRAL AND 141 CENTRAL. REHABILITATION FOR 1-3 BEDROOM UNITS. ANTICIPATED COMPLETION BY END OF 2019.49 HILLSIDE 2 UNITSDONATED BY PRIVATE INDIVIDUAL IN HILLSIDE HISTORIC NEIGHBORHOOD WILL BE REHABILITATED FOR A HOMEOWNERSHIP OPPORTUNITY.HAMDENSPRING ROSE GARDENS-87 UNITS. THIS IS A MIDDLE SCHOOL BEING CONVERTED TO RESIDENTIAL RENTAL WITH EIGHT NEWLY CONSTRUCTED BUILDINGS, ONE EXISTING REHAB AND ONE COMMUNITY BUILDING.SHELTONRIVER BREEZE APARTMENTS-68 UNITS. NEW CONSTRUCTION OF 1-2 BEDROOM UNITS, DEMOLITION AND SITE REMEDIATION OF MILL PROPERTY COMPLETED.EAST HAVENUNION SCHOOL APARTMENTS 18 UNITSEXISTING DEVELOPMENT BEING ACQUIRED FROM ANOTHER NONPROFIT ORGANIZATION. MODERATE REHABILITATION TO TAKE PLACE. ANTICIPATED CONSTRUCTION COMPLETION IN 2019.

4b	(Code: ) (Expenses $ 2,675,543 including grants of $ ) (Revenue $ 1,627,011 )
	PROPERTY MANAGEMENTTHIS DIVISION IS RESPONSIBLE FOR THE DAY TO DAY OPERATIONS OF THE PORTFOLIO WHICH ENCOMPASSES PHYSICAL PLANT AS WELL AS APPLICANT AND RESIDENT COMPLIANCE. NWNH'S PORTFOLIO, WHICH IS WORTH IN EXCESS OF $75 MILLION DOLLARS, CONSISTS OF 25 DEVELOPMENTS (OWNED OR MANAGED) WITH APPROXIMATELY 669 UNITS IN ANSONIA, BRANFORD, BRIDGEPORT, CLINTON, EAST HAVEN, GUILFORD, HAMDEN, MILFORD, NEW HAVEN, NORWICH. PAWCATUCK, SOUTHINGTON AND WATERBURY.COLLECTIVELY, MAINTENANCE EMPLOYEES ARE RESPONSIBLE FOR ROUTINE, EMERGENCY AND CAPITAL MAINTENANCE, CLEANING, GROUNDS AND COMMON AREAS, GENERAL UPKEEP, LANDSCAPING AND THE SUPERVISION AND SELECTION OF CONTRACTED VENDORS. OCCUPANCY STAFF IS RESPONSIBLE FOR RESIDENT SELECTION, RENT COLLECTION, MARKETING UNITS, INITIAL LEASE-UP OF NEW DEVELOPMENTS, RESPONDING TO RESIDENT REQUESTS- SUCH AS TRANSFERS, REASONABLE ACCOMMODATION REQUESTS, FAIR HOUSING ISSUES AND THE ANNUAL INCOME RECERTIFICATION AND LEASE RENEWAL. NEW WAY HORIZON MUTUAL HOUSING -730 GEORGE STREET, NEW HAVEN -58 UNITSCOMMONLY KNOWN AS GEORGE STREET, UNITS RANGE FROM 1 BEDROOM TO 4 BEDROOMS IN SIZE. THE BUILDING UNDERWENT A GUT REHAB IN 1996 AND IN 2013 THE LIMITED PARTNERSHIP INTEREST WAS PURCHASED BY NWNH. HUBBARD WOODS MUTUAL HOUSING -APPLE TREE LANE, GUILFORD -13 UNITS. THE DEVELOPMENT CONSISTS OF SEMI-DETACHED AND DETACHED SINGLE-FAMILY HOMES THAT WERE NEWLY CONSTRUCTED IN 1996. THESE HOMES CONTINUE BE AFFORDABLE IN A COMMUNITY WHERE HOUSING PRICES HAVE TRADITIONALLY BEEN AMONG THE HIGHEST IN THE NATION. NWNH PURCHASED THE LIMITED PARTNERSHIP INTEREST IN 2013. THE DEVELOPMENT RECEIVED A CAPITAL GRANT FROM DOH IN 2016 AND REHABILITATED ALL UNITS.GUILFORD INTERFAITH HOUSING -SCATTERED SITES THROUGHOUT GUILFORD -21 UNITS DUE TO THE SUCCESS OF THE HUBBARD WOODS DEVELOPMENT NWNH WAS INVITED BY THE GUILFORD INTERFAITH HOUSING CORPORATION TO DEVELOP 13 ADDITIONAL HOUSING UNITS, AND TO ACQUIRE AND RENOVATE EIGHT OTHER SCATTERED SITE HOMES. THE PROJECT WAS COMPLETED IN 2000.GILBERT AVENUE/DERBY AVENUE MUTUAL HOUSING- 145-153 GILBERT AVENUE, NEW HAVEN AND 80-82 DERBY AVENUE -14 UNITS. NWNH REHABBED THREE BUILDINGS IN 2001, CREATING HOMES FOR TEN FAMILIES. THE PROPERTIES ARE CONTIGUOUS TO THE NEW WAY HORIZON MUTUAL HOUSING, AND SHARE A PLAYGROUND WITH NEW WAY HORIZON. IN 2004, NWNH REHABBED FOUR MORE UNITS ON DERBY AVENUE IN THE WEST RIVER NEIGHBORHOOD. BRANFORD INTERFAITH HOUSING- 146 N. IVY STREET, BRANFORD -29 UNITS. IN 2001 NWNH ENTERED INTO AN AGREEMENT WITH BRANFORD INTERFAITH TO MANAGE A TOWNHOUSE COMPLEX. THE 29 UNITS WERE BUILT IN 1991. DOH PROVIDED A CAPITAL GRANT IN 2016 AND ALL UNITS WERE REHABILITATED.VALLEY MUTUAL HOUSING-PERSHING DRIVE, ANSONIA -9 UNITS. NWNH REHABILITATED THREE HOUSES AND PROVIDED AFFORDABLE UNITS WITH OFF STREET PARKING BY TEARING DOWN TWO OTHER HOUSES IN 2004. THE DEVELOPMENT HAS GONE THROUGH ENERGY EFFICIENCY AUDITS VIA THE HEALTHY HOMES INITIATIVE. RICHARD STREET MUTUAL HOUSING- RICHARD STREET, NEW HAVEN-20 UNITS. OCCUPIED IN THE LATER HALF OF 2005 THESE 2, 3 & 4 BEDROOM UNITS ARE IN REHABBED BUILDINGS ON ONE OF FAIR HAVEN'S QUIETER STREETS. IN 2014, THE LIMITED PARTNERSHIP INTEREST WAS PURCHASED BY NWNH. FUNDING IS BEING REQUESTED FROM THE STATE OF CONNECTICUT AND CITY OF NEW HAVEN TO UPDATE UNITS.RICHARD STREET II - 7-9 & 15-17 RICHARD STREET, NEW HAVEN - 6 UNITS. OCCUPIED IN NOVEMBER 2010, RICHARD STREET II IS A CONTINUATION OF OUR RICHARD STREET DEVELOPMENT WHICH IS DESIGNED NOT ONLY TO PROVIDE MORE QUALITY AFFORDABLE HOUSING, BUT TO ELIMINATE BLIGHT IN A BLOCK WIDE AREA ON THE APPROACH TO OUR PRESENTLY OCCUPIED RICHARD STREET DEVELOPMENT. FERRY MUTUAL HOUSING- FERRY STREET, NEW HAVEN -24 UNITS AND A FAMILY LEARNING CENTER IN DECEMBER 2006, 24 RESIDENT FAMILIES BEGAN OCCUPANCY AND NWNH BEGAN HOSTING COMMUNITY MEETINGS, EVENTS, TRAININGS, CONFERENCES AND SUPPORT GROUPS IN THE LEARNING CENTER. WILLOW MUTUAL HOUSING- 203-209, WILLOW ST., 103, 105 & 126 CHESTNUT STREET AND 240-242, 244-246, 248, 252-254 WILLOW STREET. WATERBURY - 33 UNITS. LOCATED IN THE HISTORIC OVERLOOK NEIGHBORHOOD THIS SUBSTANTIAL REHAB BROUGHT 33 UNITS FROM SUB-STANDARD TO QUALITY HOUSING STOCK. INTERIORS FEATURE SKYLIGHTS, GRANITE COUNTERTOPS AND BAY AND FLOOR TO CEILING WINDOWS THAT PROVIDE LIGHT, SUNNY VIEWS OF THE DOWNTOWN AREA IN THE VALLEY BELOW. KIRKHAM MUTUAL HOUSING - 63 KIRKHAM STREET. BRANFORD - 17 UNITS. THIS SENIOR HOUSING DEVELOPMENT SITS AMID A RESTORED VICTORIAN ERA GARDEN MAINTAINED BY THE BRANFORD GARDEN CLUB. THE DEVELOPMENT PROVIDES SENIORS THE OPPORTUNITY TO "AGE IN PLACE". EACH UNIT IS EQUIPPED WITH FEATURES THAT CAN BE RETROFITTED SHOULD THE RESIDENT BECOME DISABLED OR NEED LONG TERM CARE. SINKS AND VANITIES CAN BE LOWERED TO ACCOMMODATE WHEELCHAIRS AND DOORWAYS ARE WIDE ENOUGH TO HANDLE HOSPITAL BEDS. CANTERBURY GARDENS- 537-545 SHERMAN PARKWAY, NEW HAVEN - 34 UNITS. OCCUPIED IN 2009 THE DEVELOPMENT INCLUDES 9 UNITS OF SUPPORTIVE HOUSING WITH LEEWAY AS THE SERVICE PROVIDER. IT IS A TOWNHOUSE STYLE WITH NO COMMON AREAS EXCEPT THE LAUNDRY ROOM AND COMMUNITY ROOM. BETH-EL MUTUAL HOUSING- 85 NEW HAVEN AVENUE, MILFORD - 5 UNITS. FULL OCCUPANCY WAS ACHIEVED OCTOBER 2010. THE RESIDENTS ARE CLIENTS FROM THE BETH-EL CENTER, INC., WHERE EACH FAMILY RECEIVES A VARIETY OF SUPPORTIVE SERVICES. THE SITE NEEDED LARGE SCALE ENVIRONMENTAL REMEDIATION AFTER SOIL CONTAMINATION WAS FOUND DURING CONSTRUCTION. HIGHWOOD SQUARE 943-953 DIXWELL AVENUE, HAMDEN -27 UNITS. OUR SECOND DEVELOPMENT FOR AFFORDABLE ARTISAN HOUSING, HIGHWOOD SQUARE BEGAN ITS OCCUPANCY IN AUGUST 2011. IT SITS ON A 2.4 ACRE SITE THAT IS A MIX OF NEW CONSTRUCTION AND REHABILITATION OF EXISTING HISTORIC BUILDING INTO AN ARTS COMPLEX. THIS DEVELOPMENT NOT ONLY HELPS THE ARTISAN COMMUNITY OBTAINING HOUSING BUT HELPS THE TOWN OF HAMDEN FOCUS ON ITS REVITALIZING EFFORTS AS THIS DEVELOPMENT ALSO CONSISTS OF 7 COMMERCIAL SPACES. NORWICH SCATTERED SITES - 500 BOSWELL AVENUE, & 418 NORWICH AVENUE, NORWICH -8 UNITS OCCUPANCY BEGAN IN NOVEMBER 2010. THE RESIDENTS OF BOSWELL ARE PART OF A SUPPORTIVE HOUSING PROGRAM WITH RELIANCE HOUSE, INC. THE 418 NORWICH AVENUE SITE WAS PLACED IN SERVICE IN 2014.FAIR HAVEN MUTUAL HOUSING LP- NEW HAVEN- 44 SCATTERED SITE UNITS & 3 COMMERCIAL SPACESTHIS DEVELOPMENT CONSISTS OF 6 BUILDINGS THAT WERE REHABILITATED AS WELL AS 10 BUILDINGS OF NEW CONSTRUCTION, ALL OF WHICH ARE LEASED. IN ADDITION, THERE ARE THREE COMMERCIAL AREAS WHICH ARE AT STREET LEVEL ON GRAND AVENUE. NWNH HAS PARTNERED WITH THE HOUSING AUTHORITY OF THE CITY OF NEW HAVEN PROVIDING PROJECT BASED VOUCHERS FOR 20 UNITS, OF WHICH 9 ARE DESIGNATED FOR SUPPORTIVE. FAIR HAVEN RENTAL OR "HTR", 33, 36, 37 CLAY STREET, 296 POPLAR ST. - 7 UNITS. PREVIOUSLY DEVELOPED AS A HOMEOWNERSHIP PROJECT, THESE UNITS UNDERWENT FINANCIAL MODIFICATION TO ALLOW FOR USE AS AFFORDABLE RENTAL UNITS WHEN THE MARKET WAS NOT CONDUCIVE TO HOMEOWNERSHIP SALES. UNITS WERE REHABBED AND LEASED IN 2014 AND 2015.HILL ASSOCIATES LP, SCATTERED SITES IN NEW HAVEN - 65 UNITS. THIS PROJECT WAS ACQUIRED IN 2011 FROM A DEFUNCT DEVELOPMENT AGENCY. THE VARIOUS PROPERTIES WERE IN SERIOUS DISREPAIR DUE TO MANY YEARS OF MISMANAGEMENT. FUNDING WAS SOUGHT AND USED TO REHAB UNITS AND LEASE TO FAMILIES AND INDIVIDUALS OF VERY-LOW AND LOW INCOME. A PARTNERSHIP WAS FORMED WITH THE NEW HAVEN HOUSING AUTHORITY FOR RENTAL SUBSIDIES TO 15 OF THE 65 UNITS. REHAB AND LEASING BEGAN IN 2013 AND WILL BE COMPLETED IN 2016.

4c	(Code: ) (Expenses $ 903,924 including grants of $ ) (Revenue $ 549,680 )
	COMMUNITY ORGANIZINGTHE COMMUNITY BUILDING TEAM AT NEIGHBORWORKS NEW HORIZONS CONTINUES TO FOCUS ON UPLIFTING AND EMPOWERING RESIDENTS THROUGH EDUCATIONAL OPPORTUNITIES AND SERVICES. THE ORGANIZATION'S MISSION OF PROVIDING HOUSING COUPLED WITH A VARIETY OF EMPOWERMENT AND SUPPORT SERVICES IS ESSENTIAL TO NEIGHBORWORKS NEW HORIZONS' ("NWNH") SUCCESS AND FOR THE STRENGTH OF ITS RESIDENT COMMUNITIES. HOMEBUYER EDUCATION COURSES CONTINUED THIS YEAR PROVIDING MANY INDIVIDUALS WITH BASIC TOOLS AND KNOWLEDGE FOR A SUCCESSFUL FIRST-TIME HOME-BUYING EXPERIENCE. THE 8 CLASSES PROVIDED IN-DEPTH KNOWLEDGE OF THE PURCHASING PROCESS FROM PROSPECTING, THE SALES CONTRACT, THE IMPACT OF FICO CREDIT SCORES AND CREDIT REPAIR, THE MORTGAGE NOTE, AVOIDING PREDATORY LENDING, THE CLOSING AND SUSTAINING THE HOME AFTER PURCHASE BOTH FINANCIALLY AND PHYSICALLY. PRE- AND POST-PURCHASE COUNSELING IS ALSO AVAILABLE FROM OUR HUD CERTIFIED COUNSELORS. A NUMBER OF PARTICIPANTS TOOK ADVANTAGE OF THE ONE-ON-ONE FINANCIAL COUNSELING THIS PAST YEAR. PARTICIPANTS WHO BECAME HOMEOWNERS IN 2018 TOTALED TO 6.NWNH CONTINUES TO OFFER RESIDENT SERVICES TO FAMILIES AND INDIVIDUALS RESIDING IN NWNH-MANAGED UNITS. THE FOCUS IS TO CONNECT FAMILIES AND INDIVIDUALS TO EMPOWERMENT, HEALTH, AND FINANCIAL OPPORTUNITIES THAT WILL IMPROVE THEIR QUALITY OF LIFE. NWNH ALSO FACILITATES YOUTH PROGRAMMING SUCH AS: AFTER SCHOOL AND SUMMER PROGRAMS THROUGH LEAP (LEADERSHIP EXCELLENCE, ATHLETIC, PROGRAM) . THE RESIDENT SERVICES COORDINATORS ALSO SERVE TO ASSIST OUR RESIDENTS AND PROPERTY MANAGEMENT DEPARTMENT IMPROVE COMMUNICATION AND INTERVENE WHEN NECESSARY TO PROVIDE REFERRALS FOR ADDITIONAL SERVICES. THE COMMUNITY BUILDING STAFF HELD EVENTS WHICH INCLUDED RESIDENT COUNCIL MEETINGS, LEADERSHIP CLASSES, POTLUCKS, BUDGET COACHING, FINANCIAL LITERACY WORKSHOPS, TO NAME A FEW.IN ADDITION, NWNH STAFF HELPED TO SUPPORT CONTINUED VOLUNTEERISM IN THE COMMUNITY THROUGH ITS RENT REBATE PROGRAM WHICH AWARDS A RENT CREDIT INCENTIVE TO RESIDENTS WHO VOLUNTEER A MINIMUM OF 20 HOURS PER YEAR. NWNH CONTINUTES A CONCERTED EFFORT THROUGH ITS EVICTION PREVENTION PROGRAM TO HELP RESIDENTS AVOID EVICTION AND PAY BACK BALANCES DUE ON THEIR RENT. THIS WAS ACCOMPLISHED BY ENGAGING RESIDENTS IN MANAGEABLE PAYMENT PLANS, PROVIDING PERIODIC ON-SITE FINANCIAL WORKSHOPS, AND OFFERING ONE-ON-ONE BUDGET COACHING.

4d	Other program services (Describe in Schedule O.)
	(Expenses $ including grants of $ ) (Revenue $ )
4e	Total program service expenses4,234,278

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)...........	327,712	0	18,679

(A) Name and business address	(B) Description of services	(C) Compensation





2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 0

1	Briefly describe the organization’s mission or most significant activities: TO DEVELOP, OWN AND MANAGE AFFORDABLE HOUSING; ENCOURAGE COMMUNITY INVOLVEMENT AND TO PREVENT AND ELIMINATE NEIGHBORHOOD DETERIORATION.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	12
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	12
5	Total number of individuals employed in calendar year 2018 (Part V, line 2a) ......	5	53
6	Total number of volunteers (estimate if necessary) .............	6	0
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, line 34 .........	7b	0

1a	Federated campaigns..		1a
b	Membership dues..		1b
c	Fundraising events..		1c
d	Related organizations		1d
e	Government grants (contributions)		1e	783,284

f	All other contributions, gifts, grants, and similar amounts not included above		1f	325,152

g	Noncash contributions included in lines 1a - 1f:$
h Total. Add lines 1a-1f.......		1,108,436

		Business Code
2a	LOW-INCOME HOUSING	531110	1,605,754	1,605,754
b	DEVELOPER FEES	531390	455,383	455,383
c	PROPERTY MANAGEMENT FEE	531310	351,738	351,738
d	ORGANIZER FEES	532000	154,180	154,180
e	APPLICATION FEES	531390	7,830	7,830
f	All other program service revenue.
g	Total. Add lines 2a–2f ....		2,574,885

3 Investment income (including dividends, interest, and othersimilar amounts) ......			172,210			172,210
4 Income from investment of tax-exempt bond proceeds
5 Royalties...........
		(ii) Personal	(i) Real
6a	Gross rents
b	Less: rental expenses
c	Rental income or (loss)
d	Net rental income or (loss)......
		(ii) Other	(i) Securities
7a	Gross amount from sales of assets other than inventory	202,650
b	Less: cost or other basis and sales expenses	333,976
c	Gain or (loss)	-131,326
d	Net gain or (loss).....			-131,326			-131,326
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
	a
b	Less: direct expenses ...b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
	a
b	Less: direct expenses ...b
c	Net income or (loss) from gaming activities..
10a	Gross sales of inventory, less returns and allowances ..
	a
b	Less: cost of goods sold ..b
c	Net income or (loss) from sales of inventory..
Business Code			Miscellaneous Revenue
11a	FORGIVENESS OF DEBT		531390	1,484,451			1,484,451
b	MISCELLANEOUS		531390	624,429			624,429
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......			2,108,880
12	Total revenue. See Instructions......			5,833,085	2,574,885	0	2,149,764

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21
2	Grants and other assistance to domestic individuals. See Part IV, line 22
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, line 15 and 16.
4	Benefits paid to or for members
5	Compensation of current officers, directors, trustees, and key employees ....	227,626	154,893	55,266	17,467
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) ....
7	Other salaries and wages	1,284,618	874,145	311,895	98,578
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....
9	Other employee benefits .......	224,483	152,754	54,503	17,226
10	Payroll taxes ...........	176,158	119,870	42,770	13,518
11	Fees for services (non-employees):
a	Management ......	88,360	88,360
b	Legal .........	7,721	7,721
c	Accounting ...........	92,516	87,686	4,830
d	Lobbying ...........
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	84,259	84,121	138
12	Advertising and promotion ....
13	Office expenses .......	94,014	68,620	25,394
14	Information technology ......
15	Royalties ..
16	Occupancy ...........	691,872	686,341	5,531
17	Travel ............	17,762	15,404	2,358
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .
19	Conferences, conventions, and meetings ....
20	Interest ...........	406,755	406,755
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization ..	881,177	881,177
23	Insurance ...	181,762	181,762
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	REPAIRS & MAINTENANCE	199,053	193,582	5,471
b	MISCELLANEOUS	100,367	49,341	14,122	36,904
c	RESIDENT ORGANIZING SER	64,698	64,698
d	BAD DEBTS	41,970	41,970
e	All other expenses	81,876	75,078	3,118	3,680
25	Total functional expenses. Add lines 1 through 24e	4,947,047	4,234,278	525,396	187,373
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

1	Cash–non-interest-bearing ........			174,794	1	156,542
2	Savings and temporary cash investments .........			123,841	2	536,937
3	Pledges and grants receivable, net ......				3
4	Accounts receivable, net .............				4
5	Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of Schedule L .............
					5
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) Complete Part II of Schedule L ..............
					6
7	Notes and loans receivable, net ....			7,447,240	7	7,463,232
8	Inventories for sale or use ........			0	8	580,441
9	Prepaid expenses and deferred charges ......			101,158	9	53,895
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	26,002,807
b	Less: accumulated depreciation	10b	9,469,252	28,104,536	10c	16,533,555
11	Investments—publicly traded securities .				11
12	Investments—other securities. See Part IV, line 11 .....			4,992,112	12	4,992,112
13	Investments—program-related. See Part IV, line 11 ..				13
14	Intangible assets ...............			3,103	14	-1,689
15	Other assets. See Part IV, line 11 ...........			9,024,133	15	8,401,747
16	Total assets. Add lines 1 through 15 (must equal line 34)...			49,970,917	16	38,716,772

17	Accounts payable and accrued expenses .....	4,525,603	17	4,675,419
18	Grants payable ...		18
19	Deferred revenue .........	35,122	19	28,082
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D		21
22	Loans and other payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
	persons. Complete Part II of Schedule L..		22
23	Secured mortgages and notes payable to unrelated third parties ..	23,173,098	23	17,632,228
24	Unsecured notes and loans payable to unrelated third parties ..		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17 - 24). Complete Part X of Schedule D	1,759,176	25	655,332
26	Total liabilities. Add lines 17 through 25..	29,492,999	26	22,991,061

	Organizations that follow SFAS 117 (ASC 958), check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets	17,428,068	27	12,601,210
28	Temporarily restricted net assets ...........	87,500	28	169,063
29	Permanently restricted net assets	2,962,350	29	2,955,438
	Organizations that do not follow SFAS 117 (ASC 958), check here and complete lines 30 through 34.
30	Capital stock or trust principal, or current funds .....		30
31	Paid-in or capital surplus, or land, building or equipment fund ...		31
32	Retained earnings, endowment, accumulated income, or other funds		32
33	Total net assets or fund balances ...........	20,477,918	33	15,725,711
34	Total liabilities and net assets/fund balances ........	49,970,917	34	38,716,772