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Recap's founder, David A. Smith, designs, develops, and delivers new business services tailored to the needs of specific customer segments. Throughout his career, David has been a pioneer in both private transactions and government policy innovations, having created business lines in acquisition of existing affordable housing, financial recapitalization, debt restructuring, equity takeout, and renewed affordability. He has provided high-quality analysis to Congress, the Millennial Housing Commission, CBO, HUD, and others, and was a principal member of the 1996 Senate mark-to-market working group. A 1975 Harvard graduate, David is a senior fellow at the University of Maryland, an award-winning author with more than 100 published articles in real estate, valuation, and policy periodicals, and a textbook, and is a sought-after speaker | 