SMASH service day participationSOUTH REGION
$351,200 FCLF financing
Acquisition / rehab of multifamily housing
6 units of affordable housing

SMASH – Struggle for Miami’s Affordable and Sustainable Housing, Inc. – was formed in 2015 by community residents who came together to challenge poor housing conditions and advocate for improvements. The organization has a vision of a city free of slumlords and climate gentrification and where housing is a human right. SMASH has played an integral part in the development of the Miami Housing Justice Agenda which was a broad community-based initiative actively developed with a broad range of support including Miami Homes for All, Greater Miami Housing Alliance, FIU Metropolitan Center, City of Miami Connect Capital Initiative, among others.

Over time, SMASH has broadened its focus to include developing affordable housing under a Community Land Trust model. With financing from Florida Community Loan Fund, SMASH purchased a previously leased home which provides co-housing space for low-income adults who contribute a portion of their time to volunteer with SMASH in community outreach and organizing. The property is a 2-story structure, originally built in 1951, and it underwent extensive renovations prior to purchase by SMASH. Additional financing was provided by Solar Energy Loan Fund.

This 6-bedroom house is located in Miami’s Liberty City, a historically African-American neighborhood. The census tract is low-income, 99% minority, with 57% of the population below the poverty line, and median income at just over $23,000 – only 1/3 of the Area Median Income (AMI). Like other traditionally underserved neighborhoods that are close to the center of Miami, this area has seen significant speculation of real estate, both residential and commercial, with property values rising dramatically over the last 10 years.

SMASH hopes to replicate the co-housing model with the purchase of additional properties in low-income areas of Miami. This loan from FCLF helps the organization keep operating costs down so they can support their mission and continue this planned expansion.

Pictured above, SMASH Juneteenth day of service. Below, the home under renovation with FCLF financing.

SMASH sample home exterior

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

JPMorgan Chase Foundation

“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

"FCLF understands and is a part of what we are doing: helping families have the American dream of owning a home." – Isaac Simhon, Executive Director

Housing Programs, Inc.

“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

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

"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

"FCLF demonstrates a mission-oriented philosophy that is compatible and supportive, broadens our platform and deepens our portfolio of products and services." – Kent Adcock, CEO

Habitat for Humanity of Lake-Sumter

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

BBVA Compass

"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


"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 provides stability for families, strengthens the region, and helps Truist fulfill our purpose to inspire and build better lives and communities." – Sandy Hostetter, Central Florida Region P


“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

"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

"We appreciate the accomplishments your organization attains." - Robert Sucher, Executive VP

Sabadell United Bank

“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

"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

“FCLF will help us have significant ongoing impact in West Lakes as we help families set roots in this community.” – Camille Reynolds, Executive Director

Hannibal Square CLT

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

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.