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        <Explanation>L20, OTHER CHANGE IN NET ASSETS, IS THE CHANGE IN CONSTRUCTION IN PROGRESS</Explanation>
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      <GeneralExplanation>
        <Identifier>OTHER EXPENSES</Identifier>
        <ReturnReference>FORM 990-EZ, PART I, LINE 16</ReturnReference>
        <Explanation>EXPENSES INTEREST 800 INSURANCE 1,653 WEBSITE 375 LICENSE &amp; PERMITS 602 DONATION 75 MISCELLANEOUS EXPENSE 1,334 HFHI CONTRIBUTION 2,000 OFFICE SUPPLIES 219 TELEPHONE &amp; INTERNET 1,030 COST OF HOMES UNDER CONST 25,443 RENT 1,800 DISCOUNT ON MORTGAGES 65,306 SENIOR REPAIR 683 POSTAGE AND DELIVERY 377 TOTAL 101,697</Explanation>
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        <Identifier>OTHER CHANGES IN NET ASSETS OR FUND BALANCES</Identifier>
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      <GeneralExplanation>
        <Identifier>OTHER ASSETS</Identifier>
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      <GeneralExplanation>
        <Identifier>OTHER LIABILITIES</Identifier>
        <ReturnReference>FORM 990-EZ, PART II, LINE 26</ReturnReference>
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