{
  "id": "IND-39",
  "category": "Housing credit",
  "capability": "Lend to or guarantee loans for military housing developers",
  "summary": "Finance eligible military family or unaccompanied housing acquisitions/construction through direct loans and guarantees.",
  "legal_basis": [
    {
      "citation": "10 U.S.C. § 2873",
      "url": "https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title10-section2873&num=0&edition=prelim",
      "kind": "statute",
      "note": ""
    },
    {
      "citation": "10 U.S.C. § 2883",
      "url": "https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title10-section2883&num=0&edition=prelim",
      "kind": "statute",
      "note": ""
    }
  ],
  "authority_holder": "Secretary concerned",
  "actor_chain": {
    "planner": [
      "Service housing portfolio office / installation housing staff",
      "ASD(EI&E) housing policy"
    ],
    "resource_owner": [
      "Family Housing Improvement Fund or Military Unaccompanied Housing Improvement Fund / applicable housing accounts"
    ],
    "approver": [
      "Secretary concerned; congressionally required notifications and budget authority"
    ],
    "executor": [
      "Service housing privatization and real-estate teams",
      "USACE / NAVFAC / AFCEC as assigned"
    ],
    "partners": [
      "Eligible housing developer / private lenders",
      "Residents and installation housing office"
    ]
  },
  "actor_sources": [
    {
      "title": "Energy, Installations, and Environment: mission and responsibilities",
      "url": "https://www.acq.osd.mil/eie/"
    },
    {
      "title": "AFCEC organizational responsibilities",
      "url": "https://www.afcec.af.mil/About-Us/Organizational-Structure/"
    },
    {
      "title": "NAVFAC real estate business line: Navy/Marine Corps execution",
      "url": "https://pacific.navfac.navy.mil/Facilities-Engineering-Commands/NAVFAC-Hawaii/About-Us/Our-Services/Real-Estate/"
    }
  ],
  "requirements": [
    "Eligible entity and housing suitable for military use",
    "Protective loan terms/default rights",
    "Advance credit-cost budget authority or express appropriations authority"
  ],
  "limits": [
    "Guarantee cannot exceed lesser of 80% project value or outstanding principal",
    "Not general commercial real-estate lending"
  ],
  "funding": [
    "Housing improvement/financing accounts and Federal Credit Reform Act; no guarantee without credit authority."
  ],
  "coordination_path": "Requirement sponsor → named planning office → resource owner and counsel → statutory approving official → authorized executing/contracting office.",
  "availability": "Conditional legal pathway; current funding, required determinations, and actual delegation not certified.",
  "confidence": "High on statutory permission; execution roles are organizational routing, not verified individual delegations.",
  "currentness": "2024 official U.S. Code operative text read; relevant amendments in Pub. L. 119-60 (Dec. 18, 2025), 119-21 and 119-103 examined. Rolling OLRC source consulted where retrievable; transaction-specific later-law and delegation confirmation remains necessary.",
  "family": "Property, construction and housing",
  "mechanisms": [
    "Loans & guarantees"
  ],
  "goal_ids": [
    "facilities-energy"
  ],
  "office_links": []
}