Exhibit 10.181

                              CONSULTING AGREEMENT
                                   (Princeton)

      THIS CONSULTING AGREEMENT (this "Agreement") made effective as of this 1st
day of July, 1999, between The Windrows at Princeton Corporation, a Delaware
corporation (the "Company"), and CareMatrix of Massachusetts, Inc., a Delaware
corporation (the "Consultant").

      WHEREAS, the Company is the owner of 102 independent living villas and 192
condominium units known as The Windrows at Princeton located in Princeton, New
Jersey which are in various stages of development and are being marketed and
sold to various individuals (collectively, the "Windrows").

      WHEREAS, the Consultant is an experienced health care service provider in
the senior living industry and is the manager and/or operator of the skilled
nursing facility known as Forrestal Skilled Nursing and Rehabilitation Center
and the assisted living facility known as Chancellor Park at The Windrows
(collectively, (the "Facilities"); and

      WHEREAS, the Company desires to retain the Consultant to perform certain
consulting services and related activities for the promotion of the Windrows for
the Company, and the Consultant desires to be retained by the Company; and

      WHEREAS, the Company and the Consultant desire to set forth the terms and
conditions on which the Consultant shall be retained by and provide services to
the Company.

      NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto hereby agree as
follows:

      1. Consulting Services. During the term of this Agreement, the Consultant
shall provide, upon request of the Company, certain consulting services and
related activities including, without limitation, providing integration of the
Windrows units with the senior housing operations of the Facilities, analysis
and pricing of services to be provided to the unit owners, and the provision of
temporary services, as necessary, to the Owners of Windrows, and conducting
informational meetings and tours of the Facilities to owners and potential
owners of the Windrows.

<PAGE>

2. Consulting Fees and Expenses.

      A. The Company shall pay to the Consultant a consulting fee of One Hundred
Thousand Dollars ($100,000) (the "Consulting Fee), per month, payable on the
last day of each month during the term hereof.

      B. The Consultant shall be entitled to reimbursement of all actual,
verifiable and reasonable out-of-pocket expenses.

      3. Term. The initial term of this Agreement shall commence effective on
the date hereof (the "Effective Date") and continue for a period of one (1)
year, and shall be renewable upon thirty (30) days prior notice upon the
agreement of both parties for an additional one (1) year period.

      4. Independent Contractor. The Consultant is and shall be an independent
contractor hereunder and the officers, directors and employees of the Consultant
are not and shall not be an employee of the Company by virtue of this Agreement.
Neither the Consultant nor the Company shall hold the Consultant out as an
agent, partner, officer, director, or other employee of the Company and the
Consultant further specifically disclaims any and all rights to an equity
interest in or a partnership interest with the Company. The Consultant
specifically acknowledges and agrees that it shall have no authority to execute
any contracts or agreements on behalf of the Company or its Affiliates and shall
have no authority to bind the Company or its Affiliates to any obligation
(contractual or otherwise). The Consultant shall devote such of his time, energy
and skill as is reasonably necessary to perform the services described in
Paragraph 1 above.

      5. Indemnity. The Consultant shall indemnify and hold harmless the Company
from and against all claims, losses, costs, damages and expenses including,
without limitation, attorneys' fees and costs, relating to injury to or death of
any Person or damage to real or personal property resulting from or arising in
connection with any negligence or intentional or willful misconduct by the
Consultant in the performance of Consultant's duties under this Agreement.

      6. Entire Agreement. This Agreement represents the entire understanding
and agreement between the parties with respect to the subject matter hereof, and
supersedes all other negotiations, understandings and representations (if any)
made by and between such parties. The provisions of this Agreement may not be
amended, supplemented, waived or changed orally, but only by a writing signed by
the party as to whom enforcement of any such amendment, supplement, waiver or
modification is sought and making specific reference to this Agreement.

      7. Assignment. The Consultant may not assign or delegate its rights and/or
obligations hereunder. The Company may assign its rights hereunder to any of its


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<PAGE>

Affiliates but shall remain primarily liable hereunder absent a written release
executed by the Consultant.

      8. Severability. If any part of this Agreement or any other agreement
entered into pursuant hereto is contrary to, prohibited by or deemed invalid
under applicable law or regulation, such provision shall be inapplicable and
deemed omitted to the extent so contrary, prohibited or invalid, but the
remainder hereof shall not be invalidated thereby and shall be given full force
and effect so far as possible.

      9. Notices. All notices, requests, consents and other communications
required or permitted under this Agreement shall be in writing and shall be (as
elected by the person giving such notice) hand delivered by messenger or courier
service, delivered by a nationally recognized overnight delivery service, or
mailed by registered or certified mail (postage prepaid), return receipt
requested, addressed to:

If to the Consultant:                     If to the Company:

CareMatrix of Massachusetts, Inc.               The Windrows at Princeton
Corp.
197 First Avenue                          197 First Avenue
Needham, MA  02494                        Needham, MA 02494
Attn:  CEO                                Attn:  President

or to such other address as any party may designate by notice complying with the
terms of this Section. Each such notice shall be deemed delivered (a) on the
date delivered if by personal delivery, or (b) on the date upon which the
receipt is signed or delivery is refused or the notice is designated by the
postal authorities or delivery service as not deliverable, as the case may be,
if delivered by overnight delivery or mailed.

      10. Waivers. The failure or delay of any party at any time to require
performance by another party of any provision of this Agreement, even if known,
shall not affect the right of such party to require performance of that
provision or to exercise any right, power or remedy hereunder, and any waiver by
any party of any breach of any provision of this Agreement should not be
construed as a waiver of any continuing or succeeding breach of such provision,
a waiver of the provision itself, or a waiver of any right, power or remedy
under this Agreement. No notice to or demand on any party in any case shall, of
itself, entitle such party to any other or further notice or demand in similar
or other circumstances.


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<PAGE>

      11. Governing Law. This Agreement and all transactions contemplated by
this Agreement shall be governed by, and construed and enforced in accordance
with, the internal laws of the Commonwealth of Massachusetts without regard to
principles of conflicts of laws.

      12. Definitions: For purposes of this Agreement, the following terms shall
have the meanings set forth below:

      12.1. "Affiliate" shall mean, with respect to a Person, any other Person
            that, directly or indirectly through one or more intermediaries,
            controls, is controlled by or is under common control with such
            first Person. For purposes of this Agreement, the term "control"
            shall mean the possession, direct or indirect, of the power to
            direct or cause the direction of the management and policies of a
            Person, whether through the ownership of voting securities, by
            contract or otherwise.

      12.2. "Person" shall mean an individual, partnership, corporation, limited
            liability company, trust, joint venture or other entity.

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and year first set forth above.


Signed in the                       THE WINDROWS AT PRINCETON
Presence of:                        CORP.


                                    By:/s/ Abraham D.Gosman
-----------------------------       --------------------------------------------

Print Name:                         Name:
          ------------------
                                    Title:


                                    CAREMATRIX OF MASSACHUSETTS, INC.


                                    By: /s/ Michael J. Zaccaro
-----------------------------       --------------------------------------------

Print Name:                         Name:
          ------------------
                                    Title:


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