Example Candidate Profiles

Name: Jordan Mitchell
Age: 34
Residence: Nashville resident for 12 years

Jordan is a bartender and musician who has built a stable career through a combination of non-traditional income sources. They are a part-time bartender at a local bar while earning additional income as a freelance writer, recording, and touring musician (1099). The majority of Jordan’s income comes from tipped wages and contract-based work.

Jordan is deeply embedded in Nashville’s music and hospitality community, has several accolades including a Grammy nomination, ASCAP Award, and mentors and collaborates with local musicians as a member of the Nashville Songwriters Association International (NSAI). 

They are described by professional references as reliable, community-minded, and financially responsible, and by personal references as thoughtful, honest, and committed to giving back. Jordan has consistently lived and worked in Nashville for over a decade and is seeking down payment assistance to establish long-term roots through homeownership in the city they help sustain every day.

Name: Aaliyah James
Age: 38
Residence: Nashville resident for 38 years

As a Nashville Native, Aaliyah is a hospitality professional whose work directly supports Nashville’s live music ecosystem. She serves as a front-of-house manager at an independently owned restaurant and music venue, where she oversees nightly service for touring and local musicians, venue staff, and audiences. Her role helps ensure stable, well-run spaces that allow artists and venues to operate successfully.

In addition to her venue position, Aaliyah earns extra 1099 income as an independent show promoter, organizing and supporting live music events that create paid opportunities for local artists and strengthen Nashville’s grassroots music scene. 

Although Aaliyah maintains strong credit, steady savings habits, and a reliable income history, rising home prices and the challenges of qualifying with non-traditional income have made saving a sufficient down payment difficult. Down payment assistance would allow her to transition from long-term renting to homeownership, providing stability while enabling her to continue investing her skills and leadership in Nashville’s music and hospitality community for the long term.