Experienced. Knowledgeable. Professional.

M&L Compliance Management, LLC is a Pennsylvania-based, full-service, housing compliance and management consulting firm that specializes in the Federal Low Income Housing Tax Credit (LIHTC), Federal HOME, Section 8 and Rural Housing 515 Programs. Our Team consists of seasoned professionals with more than 25 years of experience in the industry. We offer a variety of services that are customized to the needs of each client.



Michael J. Kearney

President & CEO

Michael has almost 30 years of experience in real estate development, consulting, property management and housing compliance. He has worked with the Federal Low Income Housing Tax Credit (LIHTC) and HOME programs since their inception and is considered an expert in affordable housing. Mike co-founded MLCM in 2000.

Michael is also an active member of the Pennsylvania Developers’ Council, the Housing Alliance of Pennsylvania, and the National Council of State Housing Finance Agencies.  He earned his Bachelor of Arts degree from Shippensburg University in 1987.

Tom Lonergan

Vice President & CFO

Tom co-founded MLCM in 2000 and has more than 30 years of experience in the housing and financial  analysis field. Tom also has extensive experience in real estate development, property management and asset management. Tom has assisted in the development of more than 2,500 units utilizing the Federal Low-Income Housing Tax Credit program (LIHTC) and has more then 30 years of experience in the management and compliance of HUD Section 8 Housing Choice Vouchers (HCV).


Tom holds a B.S. in Accounting from LaSalle University and currently is a registered securities broker.

Bette Newcomer

Director of Compliance

Bette is currently the Director of Compliance for MLCM. Prior to joining MLCM in August 2014, she was with the Cumberland County Housing & Redevelopment Authorities for 17 years. While at the Authority, she worked in the Section 8 Rental Assistance Program, was property manager for several Low-Income Housing Tax Credit/HOME properties and was the Authority's first Housing Management Director. In the role of Housing Management Director, she was responsible for the oversight of 13 LIHTC properties, a 130-unit Section 202/8 property, the USDA Rural Housing program and the Public Housing program.

Bette obtained the Housing Credit Certified Professional (HCCP) designation in January 2013 and is a Notary Public. Bette has also obtained the Novogradac Property Compliance Certification (NPCC); the Tax Credit Compliance Site Manager Certification through Quandel; the Management & Occupancy Review Specialist (MORS) certification through NCHM; and the STAR certification in Rural Development (RD) 515.

Amanda Tuttle

Housing Compliance Consultant

Amanda joined MLCM in October 2020.  Prior to joining, she was with Ingerman Management Co. where she worked with LIHTC, HOME and Section 811 units as a Compliance Specialist.  While there she also successfully completed many lease ups.  She has more than 10 years of property management experience in the affordable housing industry including Low-Income Housing Tax Credit, Section 8, and HOME knowledge.


She started out in 2010 where she worked with Interstate Realty Management as a COS and then joined Pennrose in 2015 as a compliance auditor.  ​Amanda obtained her COS certification in 2011 from NCHM and then obtained the Housing Credit Certified Professional (HCCP) designation in January 2017.

Loren Parrish

Housing Compliance Specialist

Loren recently rejoined MLCM as a Compliance Specialist. Prior to returning, she was with Conifer Realty where she managed a Multifamily Affordable Housing property consisting of 138 Low Income Housing Tax Credits/PBV Section 8 units.


She began her career in the affordable housing industry in 2010, working as a property manager with the Cumberland County Redevelopment Authority. While there, Loren managed 5 different properties comprised of LIHTC/HOME units.


Loren received her Tax Credit Compliance Specialist certification from Quadel Consulting in 2014.