A small in number YEARS AGO, EDWAR...

A small in number YEARS AGO, EDWARD MONCRIEF, executive director of Neighborhood Housing Services of Silicon Valley--a nonprofit organization that exalts homeownership in lower-income neighborhoods--worried that the resources he relied forward to provide pathways to homeownership for low- and moderate-income residents around San Jose Calif., were drying up "We were getting desperate to find coin to continue," Moncrief recalls.

Then, in November 2002 voter passed Proposition 46 a $21 billion statewide housing attraction designed to fund affordable rental housing, difficulty shelters, and homeless facilities, and to provide down payment assistance to first-time hearth buyers.

The ballot