This Handbook provides new thinking about how to pay for improvements to existing underserved lowincome neighborhoods, and how to pay for appropriate new low-income residential neighborhoods. Both require dedicated and assigned land, paved access, storm water drainage (together with workable solid waste management systems to keep them clear), workable sanitation systems, water supply and other basic infrastructure services, matched by suitable credit facilities for low-income home owners and tenants to build or improve their homes. The key is information. This handbook is designed to provide information about seeking commercial finance for these development projects.