Document:

Exhibit 10.190

                              ASSIGNMENT AGREEMENT

      THIS ASSIGNMENT AGREEMENT (this "Agreement") made as of this 4th day of
November, 1999 by and among CAREMATRIX OF MASSACHUSETTS, INC., a Delaware
corporation ("CMI"), CHANCELLOR OF ABINGTON, INC., a Delaware corporation
("COAI") and CHANCELLOR SENIOR HOUSING GROUP, INC., a Delaware corporation
("CSHG"; together with COAI, the "Chancellor Entities").

                               W I T N E S S E T H

      WHEREAS, the Chancellor Entities and CMI, on behalf of the Chancellor
Entities, have entered into certain Purchase and Sale Agreements, Ground Leases,
Offers to Purchase and Offers to Lease described on Exhibit A attached hereto
(collectively, as amended to date, the "Purchase Agreements") to acquire or
lease certain parcels of land more particularly described therein (collectively,
the "Properties"); and

      WHEREAS, the Chancellor Entities and CMI, on behalf of the Chancellor
Entities, have, in connection with its potential acquisition and development of
the Properties, performed certain due diligence, including, without limitation,
title review, environmental studies, surveys, and engineering studies (the "Due
Diligence"); and

      WHEREAS, the Chancellor Entities desire to assign their rights and
obligations under the Purchase Agreements to CMI and CMI desires to assume such
rights and obligations; and

      WHEREAS, the Chancellor Entities desire to transfer to CMI, and CMI
desires to acquire from the Chancellor Entities, all of the Chancellor Entities'
right, title and interest in, to and under any and all materials prepared by or
for CSHG with respect to the Due Diligence (the "Due Diligence Materials"),
including, without limitation, the materials identified on Exhibit B attached
hereto.

      NOW, THEREFORE, in consideration of the premises and the mutual covenants
herein contained, the parties hereto hereby agree as follows:

      1.    In consideration of $3,124,723, paid this day by CMI, the Chancellor
            Entities hereby assign, set over and transfer unto CMI to have and
            to hold from and after the date hereof, all of the right, title and
            interest of the Chancellor Entities in, to and under (a) the
            Purchase Agreements and the Properties, and (b) the Due Diligence
            Materials, and CMI hereby accepts the within assignment and assumes
            and agrees with the Chancellor Entities, to perform and comply with
            and to be bound by all of the terms, covenants, agreements,
            provisions and conditions of the Purchase Agreements to be performed
            on the part of the Chancellor Entities thereunder from and after the
            date hereof.

      2.    Upon the disposition of the Purchase Agreements and/or the
            Properties by CMI to a third party, any variance in Actual Net Sale
            Proceeds (hereinafter defined) from the Estimated Net Sale Proceeds
            set forth on Exhibit C hereto for each Purchase Agreement or
            Property shall be allocated as set forth on Exhibit C. "Actual Net
            Sale Proceeds" shall mean the sale proceeds received by CMI net of
            (a) the amounts for such Purchase Agreement/Property set forth on
            Exhibit D, and (b) all usual and customary closing costs (including,
            without limitation,

<PAGE>

            brokerage fees, attorneys fees, transfer taxes and recording fees)
            incurred in connection with such disposition.

      3.    The Chancellor Entities each hereby warrant and represent that (a)
            the Purchase Agreements are in full force and effect, (b) the
            Chancellor Entities have not received any notice of default with
            respect to the Purchase Agreements, except as has been previously
            disclosed to CMI, (c) true, correct and complete copies of the
            Purchase Agreements have, prior to the date hereof, been delivered
            to CMI, and (d) Assignor has obtained any and all consents needed in
            connection with the matters contemplated hereby, including, without
            limitation, any and all consents required under the Purchase
            Agreements.

      4.    CMI hereby acknowledges and agrees that the Due Diligence Materials
            are conveyed by the Chancellor Entities without any representation
            or warranty of any kind the Chancellor Entities.

      5.    The Chancellor Entities each hereby covenant and agree to take such
            further actions as CMI deems reasonably necessary to enable CMI to
            receive the benefits contemplated by this Agreement.

      6.    This Agreement (i) shall be binding upon and inure to the benefit of
            the parties hereto and their respective successors and assigns, (ii)
            shall be governed by the laws of the Commonwealth of Massachusetts,
            and (iii) may not be modified orally, but only by a writing signed
            by each of CMI and the Chancellor Entities.

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      IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement
as of the date and year first above written.

                                    CHANCELLOR SENIOR HOUSING
                                    GROUP, INC.

                                    By: /s/ Abraham D. Gosman
                                       -----------------------------------
                                        Name:
                                        Title:
                                        hereunto duly authorized

                                    CHANCELLOR OF ABINGTON, INC.

                                    By: /s/ Abraham D. Gosman
                                       -----------------------------------
                                        Name:
                                        Title:
                                        hereunto duly authorized

                                    CAREMATRIX OF MASSACHUSETTS, INC.

                                    By: /s/ David B. Currie
                                       -----------------------------------
                                        Name: David B. Currie
                                        Title: Senior Vice President
                                        hereunto duly authorized

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                                    EXHIBIT A
                                    ---------

<PAGE>

                                    EXHIBIT B
                                    ---------

<PAGE>

                                    EXHIBIT C
                                    ---------

--------------------------------------------------------------------------------
Property/Purchase Estimated Net   Amount Paid to  Initial        Additional
Agreement         Sale Proceeds   Chancellor for  Amount to CMDC Amount Due to
                                  Acquisition of                 CMDC
                                  Property/
                                  Purchase
                                  Agreements
--------------------------------------------------------------------------------
Bayport, NY       484,924         0               484,924        191,786
--------------------------------------------------------------------------------
Braedenton, FL    784,148         562,567         221,581        0
--------------------------------------------------------------------------------
Dix Hills, NY     970,152         383,099         587,053        0
--------------------------------------------------------------------------------
Wellington, FL    613,921         0               613,921        264,279
--------------------------------------------------------------------------------
Abington, PA      776,534         463,931         312,603        0
--------------------------------------------------------------------------------
Avon, CT          180,894         85,894          95,000         0
--------------------------------------------------------------------------------
Haverford, CT     466,673         75,551          391,122        0
--------------------------------------------------------------------------------
Chicago, IL       532,746         0               532,746        95,768
(Thorek)
--------------------------------------------------------------------------------
Woodbridge, CT    373,929         253,929         120,000        0
--------------------------------------------------------------------------------
Easton, CT        1,386,915       1,115,231       271,264(1)     0
--------------------------------------------------------------------------------
Livingston, NJ    482,752         184,522         298,230        0
--------------------------------------------------------------------------------

      The "Amount Paid to Chancellor for Acquisition of Property/ Purchase
Agreements" represents the amount paid by CareMatrix of Massachusetts, Inc.
concurrent with this Agreement, and thus, upon disposition of the Properties to
a third party, is to be retained by CareMatrix of Massachusetts, Inc. In
addition, in the event the Actual Net Sale Proceeds received by CareMatrix of
Massachusetts, Inc. with respect to a particular Property upon disposition to a
third party exceeds the "Estimated Net Sale Proceeds" set forth above, such
excess shall be first paid to CareMatrix of Massachusetts, Inc. to the extent of
any "Additional Amount Due to CMDC" set forth above for such Property, and the
balance to retained by CareMatrix of Massachusetts, Inc. and applied against the
receivable due to CareMatrix of Massachusetts, Inc. and its affiliates from the
Chancellor Entities and their affiliates as a reduction of such receivable. In
the event the Actual Net Sale Proceeds received by CareMatrix of Massachusetts,
Inc. with respect to a particular Property upon disposition is less than the
"Estimated Net Sale Proceeds" set forth above, such shortfall shall be added to
the receivable due to CareMatrix of Massachusetts, Inc. and its affiliates from
the Chancellor Entities and their affiliates as an increase in such receivable.

      EXAMPLE NO. 1: If the Actual Net Sale Proceeds received by CareMatrix of
Massachusetts, Inc. upon the disposition of the Bayport Property is $1,000,000,
CareMatrix of Massachusetts, Inc. would retain $676,710 ($484,924 plus $191,786)
for its own account, and $323,290 would be retained by CareMatrix of
Massachusetts, Inc. and applied against the receivable due to CareMatrix of
Massachusetts, Inc. and its affiliates from the Chancellor Entities and their
affiliates as a reduction of such receivable.

----------
(1) CareMatrix of Massachusetts, Inc. shall be entitled to all amounts due to it
under the note it holds from Gina Marie Blaze and Nancy Jo Creagh and the
mortgage securing such note which encumbers the Easton, CT property.

<PAGE>

      EXAMPLE NO. 2: If the Actual Net Sale Proceeds received by CareMatrix of
Massachusetts, Inc. upon the disposition of the Bayport Property is $400,000,
CareMatrix of Massachusetts, Inc. would retain all $400,000 for its own account,
and $84,924 would be added to the receivable due to CareMatrix of Massachusetts,
Inc. and its affiliates from the Chancellor Entities and their affiliates as an
increase in such receivable.

      EXAMPLE NO. 3: If the Actual Net Sale Proceeds received by CareMatrix of
Massachusetts, Inc. upon the disposition of the Braedenton Property is
$1,000,000, CareMatrix of Massachusetts, Inc. would retain $784,148 ($562,567
plus $221,581) for its own account, and $215,852 would be retained by CareMatrix
of Massachusetts, Inc. and applied against the receivable due to CareMatrix of
Massachusetts, Inc. and its affiliates from the Chancellor Entities and their
affiliates as a reduction of such receivable.

<PAGE>

                                    EXHIBIT D
                                    ---------

--------------------------------------------------------------------------------
Property/Purchase    Accounts Payable    Estimated New       Land Cost Net of
Agreement                                Capital             Deposits
--------------------------------------------------------------------------------
Bayport, NY          165,076             75,000              1,125,000
--------------------------------------------------------------------------------
Braedenton, FL       80,852              75,000              910,000
--------------------------------------------------------------------------------
Dix Hills, NY        194,848             75,000              1,940,000
--------------------------------------------------------------------------------
Wellington, FL       147,113             75,000              2,248,966
--------------------------------------------------------------------------------
Abington, PA         73,466              50,000              (lease deposits,
                                                             extension payments
                                                             and rent payments
                                                             as of the date of
                                                             disposition)
--------------------------------------------------------------------------------
Avon, CT             134,106             90,000              1,635,000
--------------------------------------------------------------------------------
Haverford, CT        23,327              50,000              1,975,000
--------------------------------------------------------------------------------
Chicago, IL (Thorek) 292,254             75,000              (lease deposits,
                                                             extension payments
                                                             and rent payments
                                                             as of the date of
                                                             disposition)
--------------------------------------------------------------------------------
Woodbridge, CT       30,071              50,000              1,396,000
--------------------------------------------------------------------------------
Easton, CT           5,586               50,000              4,232,500
--------------------------------------------------------------------------------
Livingston, NJ       17,248              50,000              2,250,000
--------------------------------------------------------------------------------Exhibit 10.191

                                OPTION AGREEMENT

      THIS OPTION AGREEMENT (the "Agreement") is entered into as of August 13,
1999 by and between Chancellor of Cheshire, Inc. a Delaware corporation
(hereinafter "Chancellor") and CMX Leasing Co., a Delaware corporation
(hereinafter "CMX").

      WHEREAS, Chancellor is the sole absolute fee simple owner of a certain
parcel of land located in Cheshire, Connecticut, containing approximately 8.5
acres, as more particularly described on Exhibit A attached hereto (the
"Property"); and

      WHEREAS, CMX desires to obtain an option to purchase the Property, upon
the terms and conditions set forth below;

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

      1. Chancellor hereby grants to CMX the option (the "Purchase Option") to
purchase the Property for a purchase price of $1,147,000 (the "Purchase Price"),
upon the following further terms and conditions:

            (a) The closing date shall be the date set forth in the Notice of
      Exercise (hereinafter defined) (the "Closing Date");

            (b) The Purchase Price shall be paid CMX at the Closing (hereinafter
      defined) by certified, cashier's, treasurer's or bank check(s) or by wire
      transfer;

            (c) The Property shall be conveyed on the Closing Date by a good and
      sufficient deed with covenants only against acts of Chancellor in favor of
      CMX or its nominee, to be delivered at 12:00 noon on the Closing Date at
      197 First Avenue, Needham, Massachusetts 02194, conveying good and clear,
      record and marketable and insurable fee simple title, free from
      encumbrances, except for only the matters set forth on that certain title
      insurance policy insuring Chancellor relating to the Property, a copy of
      which has been delivered to CMX herewith, and such other easements and
      restrictions hereafter affecting the Property as reasonably approved by
      CMX;

            (d) The Purchase Price shall be adjusted with respect to real estate
      taxes and water and sewer charges, insurance premiums and utility charges
      and other customary items in transactions of this type;

            (e) The Purchase Option shall be exercisable by CMX by written
      notice to Chancellor (the "Notice of Exercise") given at any time prior to
      the date that is 24 months from the date hereof. The Notice of Exercise
      shall specify the Closing Date, which date shall be no more than 90 and no
      less than 10 days after the date of the Notice of Exercise.

<PAGE>

      2. CMX agrees to pay, simultaneously herewith, the sum of $247,000 (the
"Option Price"), for the Purchase Option. The Option Price shall be credited in
full against the Purchase Price for the Property.

      3. CMX shall have the right, at any time and in its sole discretion, to
sell, transfer or assign its rights hereunder to any party.

      4. Chancellor agrees to execute a notice or short form of this Agreement
in recordable form, upon the request of CMX.

      5. Chancellor and CMX each hereby covenant and agree to take such further
actions as the other deems reasonably necessary to enable the parties to receive
the respective benefits contemplated by this Agreement.

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      WITNESS THE EXECUTION HEREOF as an instrument under seal as of the date
first set forth above.

WITNESS:                            CHANCELLOR OF CHESHIRE, INC.

                                    By:/s/ Abraham D. Gosman
------------------------               --------------------------------
                                    Name:
                                    Title:
                                    hereunto duly authorized

WITNESS:                            CMX LEASING CO.

                                    By:/s/ David B. Currie
------------------------               --------------------------------

                                    Name: David B. Currie
                                    Title: Senior Vice President
                                    hereunto duly authorized

Receipt of Option Price Acknowledged:

CHANCELLOR OF CHESHIRE, INC.

By:
  -----------------------------------
Name:
Title:
hereunto duly authorized

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