Source: YouTube/City of Memphis Housing and Community Development. The Memphis Division of Housing and Community Development (HCD) has rolled out a new funding opportunity aimed at developers who are ready to lay down the framework for affordable housing options geared toward middle-income families. The Memphis Middle-Income Housing Pilot Program, also called MI-Pilot, is spearheading this incentive, offering financial backing for the construction or renovation of 2-6-unit buildings like duplexes and townhomes, as well as smaller multifamily homes and single-family infill houses. With an emphasis on building gentle urban density, this initiative is part of a broader objective that supports infill development for the promotion of homeownership among middle-income classes.