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NIDC Targeted Investment Neighborhoods (TINs)

The Targeted Investment Neighborhood (TIN) initiative is designed to sustain and increase owner-occupancy, provide high quality affordable rental housing, strengthen property values, and improve the physical appearance and quality of life of neighborhoods. TINs focus resources for three years on a small area, generally six to twelve city blocks.

Bricks and mortar are just a part of what’s needed to improve neighborhoods. NIDC’s TIN program works with residents to improve the quality of life in their neighborhood. NIDC’s Community Outreach Coordinator is a liaison between the neighborhood and City departments. Staff also provides assistance with community-building and outreach.

Home Rehabilitation Loan Program

Owner occupant partially forgivable loans for home improvements
 

Program Brochure              Folleto de Informacion

 

Application/Solicitud


TIN resources are available ONLY in certain neighborhoods.

Click here for a complete list and maps of the TIN areas

TIN Curb Appeal

Program Brochure              Program Application

 

Folleto de informacion          Solicitud en Español

 

 

 

TIN Loan Program - Home Rehabilitation

  • Tenant Information Form (to be submitted only with application when homeowners have tenants in a duplex property)

The Home Rehabilitation-TIN Loan Program offers forgivable, low-interest, and deferred payment rehab loans to income-qualified owner-occupants in a TIN. Interest rates and terms are tied to income and family size.

Loans
Homeowners are eligible for up to a $15,000 forgivable loan provided it is matched at least 1 for 1 with a payback or deferred payment loan provided through the TIN loan program.  The $15,000 forgivable loan turns into a grant (i.e. is forgiven) after 5 years.  Program guidelines apply. Program priorities

  • Exterior repairs such as roofing, siding, porch repairs
  • Lead paint abatement including replacement windows
  • Energy conservation
  • Plumbing, electrical, heating
  • Kitchen, bath, and other rehab projects are possible

The property must meet building code requirements upon completion of the rehab.

Income Guidelines
(Effective June 1st, 2026 until next update)
Eligibility is limited to clients with household income no greater than:

Household Size Household
Limit		 Household Size Household
Limit
1 $60,700 5 $93,650
2 $69,400 6 $100,600
3 $78,050 7 $107,550
4 $86,700 8 $114,450


Technical Assistance
Experienced rehabilitation specialists perform a thorough inspection of the property, identifying problem areas. The rehab specialist works with the homeowner to write a scope of work (a list of the work that needs to be done) and then helps owners get bids from contractors. Once the work starts, the rehab specialist makes periodic inspections to make sure the work meets program requirements.

 


Things you should know:

  1. Your real estate taxes must be current or paid in full.  If you are on the installment plan, you can't be delinquent.
  2. We will look at the amount of mortgage debt you have against
    your property.
  3. We will order a credit report and will review your credit history.
  4. If you have declared bankruptcy, your bankruptcy must be discharged 12 months prior to your application.  You should have a satisfactory credit history since the discharge.
  5. If you have received previous loans from NIDC or the City of Milwaukee, your application will be reviewed on a case-by-case basis.
 


 Last page update: 06/01/2026