Exhibit 10 (aaaaaj)

                            UNITED STATES OF AMERICA
                                STATE OF FLORIDA

            Housing Finance Authority of Miami-Dade County (Florida)
                        Multifamily Mortgage Revenue Bond
                                  1999 Series B
                       (Douglas Pointe Apartments Project)

Number: R- 1
Dated Date: September 28, 1999
Maturity Date: September 1, 2041
Registered Owner: CHARTER MAC EQUITY ISSUER TRUST
Principal Amount: $7,100,000
Interest Rate: 7.00% per annum

      The Housing Finance Authority of Miami-Dade County (Florida) (the
"Issuer"), a public body corporate and politic organized and existing under the
laws of the State of Florida (the "State"), hereby acknowledges itself indebted
and for value received promises to pay to the registered owner hereof stated
above, or registered assigns, at the maturity date stated above, but only from
the sources and as hereinafter provided, upon presentation and surrender of this
Bond at the designated office of The Bank of New York in Jacksonville, Florida
or its successor as trustee (the "Trustee"), under the Indenture (described
below), the principal amount stated above, and to pay interest on said principal
amount at the interest rate set forth above, from and including the dated date
hereof until the principal amount shall have been paid in accordance with the
terms of this Bond and the Indenture, as and when set forth below, but only from
the sources and as hereinafter provided, by wire transfer if there be one Owner
of all of the Bonds or otherwise by check or draft mailed to the record Owners
of Bonds as the same appear upon the books of registry to be maintained by the
Trustee, as registrar.

      This Bond is one of a series of bonds (the "Bonds") issued pursuant to,
and is subject to, the Trust Indenture dated as of September 1, 1999 between the
Issuer and the Trustee (as amended and supplemented from time to time, the
"Indenture"), and Chapter 159, Part IV, Florida Statues, as amended (the "Act").
Reference is made to the Indenture and the Act for a full statement of their
respective terms. Capitalized terms used herein and not otherwise defined herein
have the respective meanings accorded such terms in the Indenture, which are
hereby incorporated herein by reference. The Bonds issued under the Indenture
are expressly limited to $7,100,000 in aggregate principal amount at any time
Outstanding and are all of like tenor, except as to numbers and denominations,
and are issued for the purposes of providing construction and permanent
financing for qualified multifamily rental housing units in the State and of
paying certain expenses incidental thereto.

            The Bonds shall be special and limited obligations of the Issuer
payable only from the sources provided in this Indenture and neither the State
nor any other political subdivision thereof shall be liable on the Bonds.
NEITHER THE STATE OF FLORIDA NOR ANY POLITICAL SUBDIVISION THEREOF SHALL IN ANY
EVENT BE LIABLE FOR THE


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PAYMENT OF THE PRINCIPAL OF OR INTEREST ON ANY BONDS, OR FOR THE PERFORMANCE OF
ANY PLEDGE, DEED OF TRUST, OBLIGATION OR AGREEMENT OF ANY KIND WHATSOEVER THAT
MAY BE UNDERTAKEN BY THE ISSUER, AND NONE OF THE BONDS OR ANY OF ITS AGREEMENTS
OR OBLIGATIONS SHALL BE CONSTRUED TO CONSTITUTE A DEBT OR A PLEDGE OF THE FAITH
AND CREDIT OF THE STATE OF FLORIDA OR ANY POLITICAL SUBDIVISION THEREOF WITHIN
THE MEANING OF ANY CONSTITUTIONAL OR STATUTORY PROVISION WHATSOEVER, AND SHALL
NOT DIRECTLY, INDIRECTLY OR CONTINGENTLY OBLIGATE THE STATE OF FLORIDA OR ANY OF
ITS POLITICAL SUBDIVISIONS TO LEVY OR TO PLEDGE ANY FORM OF TAXATION WHATSOEVER
THEREFOR OR TO MAKE AN APPROPRIATION FOR THE PAYMENT THEREOF; NOR SHALL ANY
BREACH OF ANY SUCH PLEDGE, DEED OF TRUST, OBLIGATION OR AGREEMENT IMPOSE ANY
PECUNIARY LIABILITY UPON ANY MEMBER, OFFICER, EMPLOYEE OR AGENT OF THE ISSUER,
OR ANY CHARGE UPON THE GENERAL CREDIT OF THE ISSUER, OR ANY PECUNIARY LIABILITY
UPON THE ISSUER PAYABLE FROM ANY MONEYS, REVENUES, PAYMENTS AND PROCEEDS OTHER
THAN THOSE FIRST ABOVE SPECIFIED.

      Interest on the Bonds. The Bonds (including this Bond) shall bear interest
on the outstanding principal amount thereof from September 28, 1999, to the date
of maturity or redemption or acceleration prior to maturity at a rate of seven
percent (7.00%)] per annum comprised of twelve 30-day months. The interest
payable on the Bonds as provided above shall be payable on the first day of each
month, commencing November 1, 1999 and on each Bond Payment Date.

      Limited Recourse. Pursuant to a Loan Agreement dated as of September 1,
1999, and a Promissory Note (the "Note") dated the date of issuance of the
Bonds, Douglas Pointe Associates, Ltd., a Florida limited partnership (the
"Developer"), has agreed to make payments to the Issuer in amounts equal to
amounts of principal of and premium, if any, and interest on the Bonds. THE
OBLIGATIONS OF THE ISSUER ON THIS BOND ARE EXPRESSLY LIMITED TO AND ARE PAYABLE
SOLELY FROM (I) THE PAYMENTS MADE PURSUANT TO THE LOAN AGREEMENT AND THE NOTE BY
THE DEVELOPER, AND THE SECURITY THEREFOR PROVIDED BY THE MORTGAGE AND SECURITY
AGREEMENT FROM THE DEVELOPER FOR THE BENEFIT OF THE TRUSTEE, DATED AS OF
SEPTEMBER 1, 1999, AND THE ASSIGNMENT OF LEASES, RENTS AND OTHER INCOME FROM THE
DEVELOPER TO THE TRUSTEE, DATED AS OF SEPTEMBER 1, 1999, ALL OF WHICH HAVE BEEN
ASSIGNED TO THE TRUSTEE PURSUANT TO THE INDENTURE, AND (II) ANY ADDITIONAL
SECURITY PROVIDED IN THE INDENTURE.

      Registration and Transfer. This Bond is transferable by the registered
owner hereof in person or by his attorney duly authorized in writing at the
office of the Trustee as registrar, but only in the manner, subject to the
limitations and upon payment of the charges provided in the Indenture, and upon
surrender and cancellation of this Bond. Upon such transfer a new registered
Bond or Bonds, of any authorized denomination or denominations, of the same
maturity and for the same aggregate principal amount will be issued to the
transferee in exchange


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herefor. The Bonds are issuable as fully registered Bonds in Authorized
Denominations as provided in the Indenture. The Issuer, the Trustee, and any
other person may treat the person in whose name this Bond is registered on the
books of registry as the Owner hereof for the purpose of receiving payment as
herein provided and for all other purposes, whether or not this Bond be overdue,
and no person shall be affected by notice to the contrary.

            NOTWITHSTANDING ANYTHING IN THIS BOND OR THE INDENTURE TO THE
CONTRARY, NO BOND SHALL BE ACCEPTED FOR TRANSFER UNDER THE INDENTURE UNLESS
THERE SHALL FIRST HAVE BEEN DELIVERED TO THE TRUSTEE BY THE PROPOSED TRANSFEREE
A DULY EXECUTED INVESTMENT LETTER SUBSTANTIALLY IN THE FORM APPENDED AS EXHIBIT
C THERETO, EXCEPT THAT NO INVESTMENT LETTER SHALL BE REQUIRED FOR A TRANSFER OF
BONDS TO THE BANK PURSUANT TO SECTION 3.10 OF THE INDENTURE.

      Redemption of Bonds. The Bonds are subject to optional and mandatory
redemption by the Issuer and purchase in lieu of redemption by the Developer
prior to maturity as a whole or in part at such time or times, under such
circumstances, at such redemption prices and in such manner as is set forth in
the Indenture.

      Enforcement. Only the Majority Owner shall have the right to enforce the
provisions of this Bond or the Indenture or to institute any action to enforce
the covenants herein or therein, or to take any action with respect to any Event
of Default under the Indenture, or to institute, appear in or defend any suit or
other proceedings with respect thereto, except as provided in the Indenture. If
an Event of Default occurs and is continuing, the principal of all Bonds then
outstanding may be declared due and payable by the Majority Owner upon the
conditions and in the manner and with the effect provided in the Indenture. As
provided in the Indenture, and to the extent permitted by law, interest and a
penalty rate of interest shall be payable on unpaid amounts due hereon.

      Discharge. The Indenture prescribes the manner in which it may be
discharged and after which the Bonds shall be deemed to be paid and no longer be
secured by or entitled to the benefits of the Indenture, except for the purposes
of registration and exchange of Bonds and of such payment.

      Modifications. Modifications or alterations of the Indenture, or of any
supplements thereto, may be made only to the extent and in the circumstances
permitted by the Indenture.

      This Bond shall not be valid or obligatory for any purpose until it shall
have been signed on behalf of the Issuer and such signature attested, by the
officer, and in the manner, provided in the Indenture, and authenticated by a
duly authorized officer of the Trustee, as Authenticating Agent.

      It is hereby certified and recited that all conditions, acts and things
required by the statutes of the State or by the Act or the Indenture to exist,
to have happened or to have been performed precedent to or in the issuance of
this Bond exist, have happened and have been performed and that the issue of the
Bonds, together with all other indebtedness of the Issuer, is within every debt
and other limit prescribed by said statutes.


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      IN WITNESS WHEREOF, the Issuer has caused this Bond to be executed as of
the Dated Date stated above.

                                       HOUSING FINANCE AUTHORITY OF MIAMI-
                                       DADE COUNTY (FLORIDA)

(SEAL)    HOUSING FINANCE AUTHORITY
                  MIAMI-DADE           By: /s/ Milton J. Wallace
                    COUNTY                 -------------------------------------
                   FLORIDA                     Milton J. Wallace
                     1978                  Chairman

Attest:


/s/ Cordella Ingram
-------------------------------
     Assistant Secretarty

CORDELLA INGRAM

                      FORM OF CERTIFICATE OF AUTHENTICATION

            This Bond is one of the Bonds described in the within mentioned
Indenture and is one of the Multifamily Mortgage Revenue Bonds 1999 Series B
(Douglas Pointe Apartments Project) of the Housing Finance Authority of
Miami-Dade County (Florida).

                                       THE BANK OF NEW YORK,
                                       as Trustee and Authenticating Agent


                                       By: /s/ Patrick T. Teague
                                           -------------------------------------
Date of Authentication:                             Authorized
Signatory
                                               PATRICK T. TEAGUE
    9/18/99
------------------------


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                                   ASSIGNMENT

            FOR VALUE RECEIVED, the undersigned hereby sells, assigns and
transfers unto _____________________________________________________________ the
within Bond and hereby authorizes the transfer of this Bond on the registration
books of the Trustee.


Dated:_______________________

                                         _______________________________________
                                                Authorized Signature


                                         _______________________________________
                                                 Name of Transferee

Signature Guaranteed by:


________________________________
Name of Bank

By:_____________________________

Title:__________________________


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