The Lending Division provides financial and technical assistance to qualified owner-occupants and investors to repair substandard properties. In targeted areas, low- and moderate-income owner- occupants are eligible for direct and deferred payment loans. Investor-owners are eligible for direct payment loans to repair single-family dwellings. Investors are also eligible for direct payment loans to repair multifamily properties citywide. This Division is also responsible for the Emergency Repair Assistance, Architectural Barrier Removal Assistance (Handicap Assistance), the Lead Safe Program, and Section 3 Construction Training Program.