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affordable housing Ann Arbor CDC assets banks Bethel building business development business incubators capacity capital Chairman City commercial Community Development Corporations community economic development Community Services Empowerment community-based create disinvestment dollars East Los Angeles East River Park employment enterprise zones entrepreneurs equity example expand FAWELL Federal financial institutions financing focus foundation grant Hispanic impact income incubators infrastructure initiatives Kentucky Highlands Investment KHIC Latino lending leverage LIZARRAGA major manufacturing MARTINEZ Material Recovery Facility ment micro loan million munity NCCED NCIC neighborhood NELSON nity nomic number of CDCs Office of Community OLVER operating opportunity organizations ownership participate partnerships percent poor communities poverty problems programs projects public-private partnership residents revolving loan funds role rural sector shopping center Shorebank small businesses social services sources South Central staff start-up target technical assistance TELACU Thank tions velopment venture ZDENEK