275 20th Street, Greenwood Heights: 13 Affordable Studios on Housing Connect, From $940 a Month

Published October 30, 202620 min readBy VoucherMatch Editorial Team

Quick answer275 20th Street in Greenwood Heights, Brooklyn, is a 1930 commercial building converted into 51 apartments under the City's 467-m tax break. NYC Housing Connect advertised 13 studios at 40%, 90% and 100% AMI, from $940 to $2,590 a month. Applications were due June 25, 2026. All 13 rents are under the 2026 CityFHEPS studio maximum. As of October 24, 2026, the City's lottery data lists the lottery in "Tenant Selection", and VoucherMatch found no open application or waiting list.

Last checked: October 24, 2026, against the Housing Connect listing for lottery 7562, its rent table and the site's open-lottery search, read at the start and the end; the Housing Connect FAQ; HPD's 467-m page and 467-m FAQ; HPD's guide Applying for Affordable Housing and re-rentals page; CityFHEPS form DSS-8r; Department of Buildings DOB NOW filings for job B01048395 and its certificate of occupancy; HPD's production data (project 78551); the City's lottery data and lottery building data; PLUTO; ACRIS for Brooklyn block 885, lot 58; City Planning's address search; HUD's Small Area Fair Market Rents; and the MTA's station data. How VoucherMatch reports these guides and corrects errors: how we report.

275 20th Street in numbers

13studios in the Housing Connect lottery
51apartments in the building, in city records
$940the lowest rent, for three studios at 40% AMI
$2,590the highest rent, for two studios at 100% AMI
June 25, 2026the application deadline
October 16, 2026the first certificate of occupancy

Source: Housing Connect listing for lottery 7562, read October 24, 2026; Department of Buildings job B01048395 and its certificate of occupancy record.

Words used in this report

Area median income (AMI)The middle income for the area, adjusted for household size. A lottery apartment "at 60% AMI" is for households earning up to about 60% of it. The agency's income chart turns each level into dollar limits.
Lottery (NYC Housing Connect)Every complete application gets a random log number. The marketing agent works through applications in log-number order within each preference group, so applying early does not help.
Minimum incomeThe lowest yearly income the listing accepts for an apartment, so the rent is not too large a share of income. Housing Connect does not apply it to households with a voucher or rental subsidy.
Marketing agentThe company the building hires to run its lottery and check applicants' papers.
Certificate of occupancyThe Department of Buildings' sign-off that a building, or part of it, can be lived in.
467-mA New York City property tax break for turning buildings that are not homes into rental housing. HPD's page says the affordable apartments are "permanently subject to Rent Stabilization."
CityFHEPS (New York City)The City Fighting Homelessness and Eviction Prevention Supplement: a City-funded rent supplement that the Department of Social Services (DSS) pays straight to the landlord.
Payment standard (the CityFHEPS maximum in this report)An amount the agency uses to work out housing assistance for a unit size and area. It does not mean that any home at that rent will be approved.
Utility allowanceThe agency's estimate of the cost of utilities you must pay. It is not a promise to pay your actual bills.
FMR and SAFMRHUD rent estimates for an area (Fair Market Rent) or ZIP code (Small Area Fair Market Rent). They include rent and most tenant-paid utilities. Your agency may use a different payment standard.

Wide crosswalk at a four-way intersection under a cloudy sky, with traffic lights, a green 25 St street sign, a corner deli and a 99 cent store in two-story brick buildings, a green subway entrance marked Subway, and a fenced lot covered in graffiti across the street — Fourth Avenue at 25th Street in Brooklyn, in 2022, near the 25 St subway entrance, about 0.36 miles from 275 20th Street. Not the building. Photo: Jim.henderson, CC BY-SA 3.0, via Wikimedia Commons (cropped). Photo: Jim.henderson, CC BY-SA 3.0, via Wikimedia Commons, 25th Street 4th Av Bklyn HDR 2022 jeh.jpg (cropped to 1600 x 900 from a 1920 x 1440 copy of the 4000 x 3000 original; not enlarged).

What Was Built at 275 20th Street

275 20th Street is an old four-story commercial building turned into a five-story building with 51 apartments. It is not new construction, although the listing calls it "newly constructed".

Names: Housing Connect calls the lottery "275 20th Street Apartments".
Permit: Department of Buildings job B01048395 proposes the "conversion of an existing 4 story commercial building into 5 story mixed use building". It lists 0 existing homes and 51 proposed.
Size: the job raises the height from 45 to 64 feet. It lists 22,080 square feet of work and a cost of $2,208,000.
Year built: PLUTO gives 1930 and classes the lot as an office building with four floors.
Owner: PLUTO and ACRIS name 275 20th Street LLC.
Architect: the permit's applicant is the firm Nikolai Katz Architect.
Certificate of occupancy: the first one, issued October 16, 2026, covers 51 dwelling units.

Where the records describe the building differently

New or convertedthe listing says "newly constructed 5-story building". The permit says conversion of a four-story commercial building.
Project typeHPD's production data says "New Construction". The City's lottery building data says "Preservation".
Program wordingthe listing says the building "is being constructed by the 467-M Tax Exemption Program".

What it means: city records show an existing 1930 building, converted.

Source: Housing Connect listing; job B01048395; PLUTO; HPD project 78551; the City's lottery building data.

275 20th Street, from office building to Housing Connect lottery

1930the building is built, according to PLUTO.
November 18, 2024the conversion job is filed.
January 13, 2025XYZ Two Way Radio Service, Inc. sells the lot to 275 20th Street LLC for $6,350,000.
March 6, 2025the conversion job gets its first permit.
February 4, 2026HPD's project start date.
June 3, 2026the Housing Connect lottery opens.
June 25, 2026applications are due.
October 16, 2026the first certificate of occupancy is issued, for 51 dwelling units.

What it means: the lottery ran about four months before the building's first certificate of occupancy.

Source: PLUTO; job B01048395; ACRIS, Brooklyn block 885, lot 58; HPD project 78551; the City's lottery data; certificate of occupancy record.

What the 467-m Program Requires

The listing names one program: 467-m, which HPD calls "Affordable Housing from Commercial Conversions". HPD says the program provides "real property tax exemptions for the conversions of non-residential buildings" into rental housing.

The 467-m rules, in the words of HPD's page

Share"At least 25% of the dwelling units in the Eligible Multiple Dwelling are rental Affordable Housing Units."
Lowest level"At least 5% are Affordable Housing Forty Percent Units."
Top level"No Income Band exceeds 100% of AMI."
Rent stabilization"Affordable Housing Units are permanently subject to Rent Stabilization."
Same entrancesthey "shall share the same common entrances and common areas" as market-rate units.
Apartment sizesthe affordable units must "Have a unit mix proportional to that of the rental Market Units", or meet a test on two-bedroom and smaller units.

What it means: the listing has 13 lottery studios; the permit has 51 apartments. No document opened shows which size test applies or HPD's review of the building.

Source: HPD's 467-m page, read October 24, 2026.

Where 275 20th Street Is

275 20th Street is in ZIP code 11215, in Brooklyn Community District 7 and City Council District 39. Records give it three different neighborhood names.

The location in the records

Greenwood Heightsthe listing places the building "in the heart of the Greenwood Heights neighborhood".
South SlopeCity Planning's address search.
Sunset Park (West)the area name in Department of Buildings records.
The lotBrooklyn block 885, lot 58, 55 by 100 feet, in PLUTO.

What it means: VoucherMatch files the building under Greenwood Heights, the listing's name.

Source: the records named.

Top of a tall brownstone Gothic gateway with three pointed gables, carved spires, a clock in the central tower and a bird nest near its peak, flanked by patterned slate roofs, under a clear blue sky — The main gate of Green-Wood Cemetery in Brooklyn, photographed in 2021. It shows the area, not the building. Photo: Rhododendrites, CC BY-SA 4.0, via Wikimedia Commons (cropped). Photo: Rhododendrites, CC BY-SA 4.0, via Wikimedia Commons, Green-Wood Cemetery gate (53784p) cropped.jpg (cropped to 1600 x 900 from the top of a 1920 x 1458 copy of the 7896 x 5995 original; not enlarged).

Watch outpictures on this page show the area, not the building. On October 24, 2026, VoucherMatch left out all ten listing images. The listing's kitchen photo shows a gas range, while its text says tenants have an "electric stove". The photographed rooms could not be matched to the listing's renderings.

Station	Daytime lines	Distance	Accessible
Prospect Av	R	0.29 miles	No
25 St	R	0.36 miles	No
15 St-Prospect Park	F, G	0.62 miles	No
7 Av	F, G	0.68 miles	Yes
4 Av-9 St	R, and F, G	0.68 miles	No

What it means: the listing marks Prospect Av and 25 St as "D,N,R"; the MTA lists only the R there by day.

Source: station names and points from the Housing Connect listing; daytime lines and accessibility from the MTA's station data; straight-line distances by VoucherMatch from the listing's map point (40.661322, -73.991414), so the walk is longer.

Subway platform with a silver train moving past on the left, a yellow tactile edge strip, a wooden bench against a wall of pale stone tiles, a Prospect Av name panel and a No Exit sign hanging from the ceiling — The renovated platform at Prospect Av, the R stop about 0.29 miles from 275 20th Street, on its reopening day, November 2, 2017. Photo: Marc A. Hermann, MTA New York City Transit, CC BY 2.0, via Wikimedia Commons (cropped). Photo: Marc A. Hermann / MTA New York City Transit, CC BY 2.0, via Wikimedia Commons, Prospect Av Station Reopens (38090306052).jpg (cropped to 1600 x 900 from the 2048 x 1365 original; not enlarged).

Parks in the listing: Slope Park Playground, about 0.1 miles away, and Greenwood Park, about 0.23 miles away, by VoucherMatch's straight-line arithmetic.
Along the lines: see apartments near the R train.

13 Studios in the Lottery, at 40%, 90% and 100% AMI

All 13 lottery apartments are studios. Three are at 40% AMI, eight at 90% AMI and two at 100% AMI.

Studios in the Housing Connect lottery for 275 20th Street, by income level

40% AMI

90% AMI

100% AMI

View the data table

Income level	Studios
40% AMI	3
90% AMI	8
100% AMI	2

What it means: eight of the 13, about 62%, are at 90% AMI.

Source: Housing Connect listing for lottery 7562, counted by VoucherMatch from its 13 unit rows, read October 24, 2026. The City's lottery data and HPD's production data both count 13 studios.

Rents and Income Ranges in the 275 20th Street Housing Connect Listing

The 13 studios rent for $940 to $2,590 a month, for one or two people. The lowest minimum income is $38,778 a year.

Studios	Rent	Yearly income	Asset limit
3 at 40% AMI	$940	$38,778 to $54,280	$67,840
8 at 90% AMI	$2,315	$85,920 to $122,130	$152,640
2 at 100% AMI	$2,590	$94,560 to $135,700	$169,600

What it means: every studio takes households of one or two people only.

Source: Housing Connect listing for lottery 7562 and its rent table, read October 24, 2026. The top of each range is for two people.

Household size	40% AMI	90% AMI	100% AMI
1 person	$38,778 to $47,520	$85,920 to $106,920	$94,560 to $118,800
2 people	$38,778 to $54,280	$85,920 to $122,130	$94,560 to $135,700

What it means: yearly income before taxes must fall in the range for the household's size and the studio's level.

Source: the same listing.

The income gaps: incomes no studio accepts

One person$47,521 to $85,919.
Two people$54,281 to $85,919.
Below the minimumsunder $38,778, unless the household has a voucher or rental subsidy.
Three or more peopleno studio in this listing takes them.
Overlapone person earning $94,560 to $106,920 fits both the 90% and 100% AMI studios.

What it means: the largest gap sits between the top of the 40% AMI range and the 90% AMI minimum.

Source: VoucherMatch's arithmetic from the listing's incomes.

Which Rents a CityFHEPS or Section 8 Voucher Reaches

All 13 rents are under the 2026 CityFHEPS studio maximum. After the electric allowances, the two $2,590 studios are over it.

This was a city lottery on NYC Housing Connect, and the listing names HPD as its agency. The Housing Connect FAQ says: "Minimum income requirements do not apply if you have a voucher or a rental subsidy. However, rent should be within maximum limits allowed by your voucher or rental assistance program."

Lowest and highest lottery rent at 275 20th Street against the 2026 CityFHEPS studio maximum, in dollars a month

Lowest rentHighest rentCityFHEPS maximum

Studio

$940

$2,590

$2,604

View the data table

Apartment size	Lowest rent	Highest rent	CityFHEPS maximum
Studio	$940	$2,590	$2,604

What it means: the $2,590 studios are $14 under the maximum. The $2,315 studios are $289 under.

Source: rents from the Housing Connect listing; the maximum from DSS-8r, which calls it the rent amount "if all utilities are included in the lease", in effect since April 1, 2026.

The listing says: "Tenant are responsible for electricity including electric heat and electric stove. Hot water is included in the rent." So VoucherMatch subtracts DSS-8r's studio "Electric with Cooking Range" and "Electric Heat Only" allowances.

Studio rent	Maximum less both allowances	Difference
$940	$2,441	$1,501 under
$2,315	$2,441	$126 under
$2,590	$2,441	$149 over

What it means: with the allowances, only the 40% and 90% AMI studios fit under the reduced figure.

Source: DSS-8r, 2026 studio maximum of $2,604 less allowances of $111 and $52; subtraction by VoucherMatch.

Credit check: the FAQ says "Applicants qualifying with rental subsidy are not subject to a credit check or review of rental history."
Section 8: the FAQ accepts "Section 8 Housing Choice Vouchers (HPD or NYCHA)". Each agency sets its own limits. See the New York City Housing Authority page, Section 8 payment standards in NYC for 2026 and Section 8 utility allowances in NYC.

How the Rents Compare With HUD's Figure for ZIP Code 11215

Every lottery rent is under HUD's studio figure for ZIP code 11215, $3,890 a month. The $2,590 studios are about two-thirds of it.

Lowest and highest lottery rent at 275 20th Street against HUD's fiscal year 2027 studio fair market rent for ZIP code 11215, in dollars a month

Lowest rentHighest rentHUD fair market rent, ZIP 11215

Studio

$940

$2,590

$3,890

View the data table

Apartment size	Lowest rent	Highest rent	HUD fair market rent, ZIP 11215
Studio	$940	$2,590	$3,890

What it means: the studios are $2,950, $1,575 and $1,300 under HUD's figure, before the electric bill tenants pay.

Source: rents from the Housing Connect listing; HUD's Small Area Fair Market Rents for fiscal year 2027, in effect since October 1, 2026, which include most utilities. ZIP 11215 is in the listing, DOB, PLUTO and HPD records.

Apartments in this ZIP code: see voucher apartments in ZIP 11215, Section 8 apartments in Park Slope and Section 8 apartments in Sunset Park.

How 275 20th Street Was Financed

Property records show a $6,350,000 purchase in January 2025 and two mortgages from ICE Lending Holdings, LLC. No City loan appears in the records opened.

Recorded documents for Brooklyn block 885, lot 58
Date	Document	Parties	Amount
January 13, 2025	Deed	XYZ Two Way Radio Service, Inc. to 275 20th Street LLC	$6,350,000
January 13, 2025	Mortgage	275 20th Street LLC and ICE Lending Holdings, LLC	$5,750,000
January 13, 2025	Mortgage	The same two parties	$5,250,000
January 13, 2025	Agreement	The same two parties	$5,250,000
January 16, 2025	Assignments	ICE Lender Holdings LLC to IceCap Real Estate Debt Fund III, LLC	none listed

Showing the first 4 of 5 rows. View allCollapse table

What it means: the index does not say what the agreement covers.

Source: ACRIS, Brooklyn block 885, lot 58; documents recorded February 5 and April 30, 2025.

Preferences, Building Features and Fees at 275 20th Street

The listing showed no preference or set-aside rows. Tenants pay electricity, the laundry room has fees, and one pet up to 30 pounds is allowed.

Who got preference: what the listing shows and what HPD says in general

In this listingno preference or set-aside rows, read October 24, 2026.
Disabilitythe FAQ says "Federal disability statutes give preference to five percent (5%) of units" for mobility disabilities and "Another two percent (2%)" for hearing or vision.
Community boardthis preference "does not apply to developments that do not receive City financing, e.g., those that only receive a tax exemption."

What it means: ask the hotline which preferences applied to this lottery.

Source: Housing Connect listing and FAQ.

What the building has: listed, extra cost, not stated

Listed amenities"smoke free building, security cameras, pet friendly, laundry room* (*fees apply)".
Pets"One pet allowed within a 30 lb weight limit & some additional restrictions. No pet deposit required."
Utilitiestenants pay electricity, including electric heat and the electric stove. Hot water is included in the rent.
Fees to applythe listing's field for deposits or application fees is set to no.
Not statedapartment sizes, floors and the laundry fee.

What it means: budget for the electric bill on top of the rent.

Source: Housing Connect listing for lottery 7562.

What Happens After the 275 20th Street Housing Connect Lottery and Where Openings Are Posted

Applications for the 13 studios were due June 25, 2026. On the City's lottery data, last updated October 5, 2026, the lottery's status is "Tenant Selection".

How the 13 studios are filled

1Log numbers"Within a few weeks after the lottery application deadline, Housing Connect randomly assigns log numbers".
2Review"The developer reviews them in log number order (starting with those who meet preference categories) and contacts applicants."
3Documents"If your log number comes up, the developer will contact you to submit documents."
4TimingHPD's guide says "You may hear about the status of your application within two to twelve months after the deadline."

What it means: the guide adds that "you will only have a few business days to submit your documents". HPD's 467-m FAQ says its marketing process "is anticipated to take seven to eight months".

Source: step one from the Housing Connect FAQ; steps two to four from HPD's applying guide.

If you applied, have these ready

ID for every adult. the FAQ accepts "drivers’ licenses, non-driver state ID cards, and IDNYC cards"
Children under 18. "Birth certificates or other forms of documentation like a school letter"
Income, address and assets. "pay stubs, tax returns, proof of address, and asset documentation"
Rent history or credit. proof of 12 months of full rent payments, or a credit review
Voucher. proof of the subsidy and the rent it covers

What it means: the request for documents lists the exact papers.

Source: Housing Connect FAQ.

Check before you payapplying through NYC Housing Connect is free. Its FAQ says "There is no fee to apply for housing using Housing Connect"; a marketing agent may charge a credit or background check fee of no more than $20 per household. No payment app, wire or gift card buys a place in a lottery, and no one should charge you to see or hold an apartment. Apply only at housingconnect.nyc.gov or by mail to the address in the official listing.

Green iron subway stair entrance with two globe lamps on a wide sidewalk, a 25 Street Station sign, a pedestrian signal pole at the corner, a white delivery van at the curb and low brick buildings with a funeral home sign across the avenue — The stair to the 25 St station on Fourth Avenue in Brooklyn, in July 2008. The signs have changed since. Photo: Jim.henderson, public domain, via Wikimedia Commons (cropped). Photo: Jim.henderson, Public domain, via Wikimedia Commons, 25 St BMT stair jeh.JPG (cropped to 1600 x 900 from a 1920 x 1376 copy of the 2981 x 2136 original; not enlarged).

Where the next openings are posted, checked October 24, 2026

Housing Connectlottery 7562 was not among the 21 rentals in the site's open-lottery search. No newer listing for the building was found there or in the City's lottery data.
Paper routethe listing said "To request an application by mail, send a self-addressed envelope to" 275 20th Street Apartments C/O Taxace NY LLC, 139 Tompkins Avenue, Brooklyn, NY 11206. It gave no return address or postmark rule.
Re-rentalsthe FAQ says vacant units "may be made available for applicants outside of Housing Connect". HPD's re-rentals page lists Taxace NY among companies to contact.
Taxace's vacancy pageit did not list 275 20th Street.

What it means: as of October 24, 2026, VoucherMatch found no open application or waiting list here.

Source: Housing Connect's search (11 Brooklyn rentals); the City's lottery data; the listing; HPD's re-rentals page; Taxace NY's available-units page.

What Is Known and Not Yet Known About 275 20th Street

The rents, incomes, deadline and lottery status are published. How many studios have been leased is not.

Known and not yet known on October 24, 2026, and whom to ask

Not publishedhow many studios have been offered or leased, and whether the building keeps a waiting list.
Not explainedwhy the listing says "newly constructed" when the permit describes a conversion.
Not confirmedwhether HPD has approved the 467-m exemption.
Whom to askthe Housing Connect hotline, 212-863-7990, "from 9am to 5pm on weekdays", or nychousingconnect@hpd.nyc.gov.

What it means: ask the hotline before acting on any line.

Source: Housing Connect listing and FAQ; city records named above.

Empty underground subway platform with riveted steel columns, a yellow edge strip, white wall tiles with an orange band, a 25 Street sign on a column and the track on the left — The platform at 25 St on the R line in Brooklyn, in October 2019, about 0.36 miles from 275 20th Street. Photo: Adam Moss, CC BY-SA 2.0, via Wikimedia Commons (cropped). Photo: Adam Moss, CC BY-SA 2.0, via Wikimedia Commons, 25th Street Station - 48893656513.jpg (cropped to 1600 x 900 from a 1920 x 1440 copy of the 4608 x 3456 original; not enlarged).

If You Need an Apartment Now

No waiting list is posted here. Housing Connect's search listed 11 open Brooklyn rental lotteries on October 24, 2026.

1 bedroom apartment in Williamsburg, Brooklyn — Brooklyn apartments on VoucherMatch that take vouchers, nearest to 275 20th Street first

Voucher in hand: browse Section 8 apartments in Brooklyn, Brooklyn studios that take Section 8, CityFHEPS apartments in Brooklyn and CityFHEPS apartments in Sunset Park.
No voucher yet: read how to get a housing voucher in NYC, compare CityFHEPS vs Section 8, or see low-income apartments in New York City.

Frequently Asked Questions

Was 275 20th Street on NYC Housing Connect?

Yes. 275 20th Street Apartments was lottery 7562 on NYC Housing Connect. It offered 13 studios at 40%, 90% and 100% AMI, from $940 to $2,590 a month. Applications were due June 25, 2026. As of October 24, 2026, the City's data listed it in "Tenant Selection", and no waiting list was posted.

What is the rent at 275 20th Street?

The three studios at 40% AMI rent for $940 a month. The eight at 90% AMI rent for $2,315, and the two at 100% AMI rent for $2,590. Tenants pay electricity, including electric heat and the electric stove. Hot water is included. The listing says the laundry room carries fees.

How much do you have to earn for 275 20th Street?

At 40% AMI, from $38,778 a year, up to $47,520 for one person and $54,280 for two. At 90% AMI, from $85,920. At 100% AMI, from $94,560, up to $135,700 for two people. Incomes from $47,521 to $85,919 fit no studio. With a voucher, the FAQ says the minimum does not apply.

Does 275 20th Street take Section 8 or CityFHEPS?

Housing Connect accepts both, but the rent must fit the voucher. All 13 rents are under the 2026 CityFHEPS studio maximum of $2,604. After subtracting the electric allowances, the two $2,590 studios are $149 over. The $940 and $2,315 studios stay under. Ask DSS or the housing authority before applying anywhere.

Is 275 20th Street a new building or a conversion?

It is a conversion. Department of Buildings job B01048395 describes the "conversion of an existing 4 story commercial building into 5 story mixed use building" with 51 apartments. PLUTO says the building dates from 1930. The listing calls it "newly constructed", and the lottery used the City's 467-m program for commercial conversions.

Is 275 20th Street in Greenwood Heights or Sunset Park?

The listing says Greenwood Heights. City Planning's address search says South Slope, and Department of Buildings records use the area name Sunset Park (West). The ZIP code is 11215. The nearest subway is the R at Prospect Av, about 0.29 miles away in a straight line from the listing's map point.

Are the rents at 275 20th Street below market?

Yes, by HUD's figures. Every lottery rent is under HUD's fiscal year 2027 studio figure for ZIP code 11215, which is $3,890 a month. The $940 studios are about a quarter of it. Even the $2,590 studios are $1,300 under, though tenants also pay electricity.

Sources for this article (17)

Housing Connect listing for lottery 7562 (housingconnect.nyc.gov)
Housing Connect FAQ (housingconnect.nyc.gov)
467-m page (nyc.gov)
467-m FAQ (nyc.gov)
Applying for Affordable Housing (nyc.gov)
re-rentals page (nyc.gov)
DSS-8r (nyc.gov)
DOB NOW filings (data.cityofnewyork.us)
certificate of occupancy (data.cityofnewyork.us)
production data (data.cityofnewyork.us)
lottery data (data.cityofnewyork.us)
lottery building data (data.cityofnewyork.us)
PLUTO (data.cityofnewyork.us)
ACRIS (data.cityofnewyork.us)
address search (geosearch.planninglabs.nyc)
Small Area Fair Market Rents (huduser.gov)
station data (data.ny.gov)

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Every rule, date and dollar amount in this article is checked against the agency document it comes from, and the sources are listed above. How VoucherMatch articles are researched and corrected