Program 101

To locate a multi-family housing rental in your county, visit the MFH Rentals website.  You can search by state, county, town, zip code, property name, or management agency name.

USDA Rural Development lists properties for sale that are both owned by the agency as well as those being foreclosed on by Rural Development. Property listings for Missouri, as well as other states, can be found on the USDA-RD/FSA Resales website.

Abbreviated Fact Sheet

What does this program do?
This program provides competitive financing for affordable multi-family rental housing for low-income, elderly, or disabled individuals and families in eligible rural areas.

Who may apply for this program?
This program assists qualified applicants that cannot obtain commercial credit on terms that will allow them to charge rents that are affordable to low-income tenants. Qualified applicants include:

  • Individuals, trusts, associations, partnerships, limited partnerships, nonprofit organizations, for-profit corporations and consumer cooperatives.
  • Most state and local governmental entities.
  • Federally-recognized Tribes

Borrowers must have legal authority needed to construct, operate and maintain the proposed facilities and the services proposed

What is an eligible area?
A list of designated eligible places is available from each RD State Office.

How may funds be used?
Construction, improvement and purchase of multi-family rental housing for low-income families, the elderly and disabled individuals is the primary objective for this program.

Funding may also be available for related activities including:

  • Buying and improve land
  • Providing necessary infrastructure
  • For a complete list see Code of Federal Regulations, 7 CFR Part 3560.53.

Who may live in the rental housing?

  • Very-low income to moderate-income families or individuals (1)
  • Elderly people aged 62 or older
  • People with disabilities

What kinds of funding are available?
Direct, competitive loans

What are the loan terms?

  • Up to 30 year payback period
  • Lowest rate at either the time of loan approval or loan closing will be used
  • Contact your local RD Office for details and current interest rates applicable for your project

How do we get started?
Applications for this program are accepted on an annual basis. A Notice of Funding Availability (NOFA) is posted in the Federal Register.

Who can answer questions?
Contact your RD State Office or you can find Rural Rental Properties here to apply as a tenant.

What governs this program?

NOTE: Because citations and other information may be subject to change please always consult the program instructions listed in the section above titled "What Law Governs this Program?" You may also contact your local office for assistance.

(1) Very-low to moderate income: Very-low income is below 50% of area median income; low-income is 50-80% of area median income; moderate income is capped at $5,500 above low-income limit.

Forms & Resources

MFH Building & Accessibility Regulations


Occupancy and Tenant Eligibility Requirements


Miscellaneous Documents/Forms



Missouri Specific Forms & Resources

The use of any of the sample documents contained on this list and the specific format is not mandated by Regulation, but is strictly provided for your convenience. We recommend their use to ensure compliance and consistency with the requirements of RD Regulations.


NOTE: If state specific forms are not shown above, please ensure that your state is selected in the dropdown menu above to find the State Office contact information and speak to a Housing Programs Specialist before attempting to fill out any forms or applications. This will save you valuable time in your application.

Guidance on the Capital Needs Assessment Process (pdf) - This Unnumbered Letter (UL), dated March 16, 2015, provides updated clarification and guidance on the Rural Development Capital Needs Assessment (CNA) process for MPRs, MFH (RRH and FLH) transfers, and other RD loan making and servicing actions requiring a CNA. This guidance is comprised of several sections and attachments addressing the CNA process required to be used by MFH property owners, applicants and CNA Providers.

Multi-Family Housing Underwriting Background Update (pdf) - This update provides current information on the progress being made to implement improvements to the transfer and MPR Underwriting process through a newly revised Preliminary Assessment Tool.  See link below.

Transfer Preliminary Assessment Tool, Version 4.1 (xltm) - As part of a Transfer Application Process improvement effort, this preliminary assessment provides customers with the ability to develop transfers that will comply with RD underwriting thresholds and guidelines. The tool is not a substitute for underwriting analysis by the underwriters; however it will assist developers to structure transactions that address the thresholds and guidance used by RD in its own underwriting. In addition, the tool provides customers the ability to underwrite transfers using debt deferrals (if applicable) when those transfers are included in the MPR application. There are policy changes included within this tool that are highlighted in the narrative contained in the page entitled “About this Template”. Please review the narrative to become familiar with these policy changes. These policy changes are the result of Transfer Application Process improvement efforts.

Preliminary Assessment Tool Customer Comments and Questions (xlsx)



Individual states may have particular requirements based on state and local regulations. Please contact the state office in the state where your project is located.


Individual states may have particular requirements based on state and local regulations. Please contact the state office in the state where your project is located.


Individual states may have particular requirements based on state and local regulations. Please contact the state office in the state where your project is located.


Pam Anglin
Housing Program Director

Rachelle Long
Housing Program Specialist
(573) 876-0987

Rachel Hartman
Housing Program Technician
(573) 876-9307

Contact the field office that serves your county

View all USDA Rural Development Missouri contacts