MTZ Carver

mtz-carver-ribboncutting-1-300x200SOUTH REGION
FCLF LOAN $590,000
ACQUISITION / REHAB of 10 affordable rental homes and 3,500+ sf of retail space




The Historic Overtown Folklife District of Miami is in an area of 58% poverty and 98% minority; an area that has been targeted for revitalization by the Historic Overtown Folklife District Partnership Initiative.

With a loan from the Florida Community Loan Fund (FCLF), MTZ Carver has purchased a vacant, abandoned 3-story building in the neighborhood. Rehabilitation of the building will be accomplished with additional funding from the City of Miami and the SE Overtown/ Parkwest CRA. Upon completion, the building will offer 10 rental apartments and more than 3,500 square feet of retail space, which will house needed community support services and other retail and offices. The 10 apartments will consist of 1- and 2-bedroom units that will be available to low- and moderate-income residents.

MTZ Carver, through its affiliate Mt. Zion Development, provides affordable housing for low- and moderate-income families, assisting individuals to become self-sufficient. MTZ Carver also offers homeownership education and assistance through partnerships with local organizations. Established in 1965, Mt. Zion Development is an affiliate of the historic Mt. Zion Baptist Church in Miami. The organization is also a member of the Miami Folklife District Stakeholders Committee and a founding participant in the Historic Overtown Folklife District Improvements Association.

To view additional photos of the project, view our Flickr page for MTZ Carver.
For more information on MTZ Carver, visit 
To read more about FCLF's Community Development Fund lending, click here

Pictured below left, building before rehab. Below right, completed building, August 2014.

mtz-carver-before-rehab-300x200    mtz-carver-2014aug-300x200

“We cannot thank FCLF enough for this partnership, creating permanent housing for our neighbors in need, and their commitment to Florida communities.” – Shannon Nazworth, President & CEO

Ability Housing

“Expanding our facility with NMTC financing provides the Overtown community resources necessary to provide a fighting chance to break down barriers and break the cycles of poverty.” – Tina Brown, CEO

Overtown Youth Center

"Our relationship with FCLF provides the capital to achieve long-lasting impact." – Terri Murray, Exec Dir

Neighborhood Renaissance

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"Trinity Health is happy to partner with FCLF. We look forward to seeing the impact in the communities you serve." – Sr. Kathleen Coll, SSJ, Administrator, Shareholder Advocacy

Trinity Health

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

“We are proud to partner with FCLF on this project, which expands access to innovative, quality, comprehensive primary healthcare in our communities.” – Annie Neasman, President & CEO

Jessie Trice Community Health

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

"FCLF has proven its community impact and hard work. We are proud to partner with FCLF." – Leslie Watson, Analyst, Community Investments

Dignity Health

"We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas and supports the needs of our community." – Maria J. Thompson, Community Development Manager

Third Federal Savings

"We consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

“FCLF is much more than a financing entity; they are the ultimate partner. They are on the front line protecting and building resources for the most vulnerable in our community."– Seth Eisenberg

Purpose Built Families Foundation

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

“Thanks to FCLF adults with disabilities are living independently, fully included in their community." – Sheryl Soukup, Exec Dir

Residential Options of Florida

"FCLF plays a significant role in sustaining vibrant and thriving communities. We are pleased to support your ongoing community based efforts." – Ernie Diaz, South Florida Market President

TD Charitable Foundation

"FCLF has a keen knowledge of Florida challenges & opportunities. We are confident our investment will be used to improve lives." – Kathleen Rizzo Young, Sr. VP, Community Development


"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

"The Fathers Table Foundation appreciates the services FCLF provides and the impact on the communities you serve. We believe in your organization and your mission." – Dan Gilardi, President

Fathers Table Foundation

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Neighbor Up Brevard

“Thank you so very much for the exceptional services. We truly value FCLF’s contributions to furthering our mission." – Michael L. Bean, CEO

Housing Authority of Brevard County

Core Purpose FCLF exists to maximize opportunities for people and places outside of the economic mainstream.
Our Vision Opportunity and dignity exist for every person and community in Florida.
Our Mission Our expertise and capital make projects successful and help organizations improve lives and communities.