This bill would authorize the Department of Housing and Urban Development to offer capital assistance to owners and operators of aging affordable multifamily housing properties that are in poor physical condition or at financial risk. The program would provide low-interest loans at 1 percent, which could be partially or fully forgiven, to help fund necessary repairs and improvements to buildings with five or more units that currently receive federal housing assistance. Property owners receiving loans must contribute at least 20 percent of costs from non-federal sources and commit to keeping the housing affordable for 30 years, though the HUD Secretary can waive the matching requirement for applicants who cannot secure the funds. The bill does not specify a funding amount but authorizes Congress to appropriate whatever funds are necessary to implement the program, and the Secretary would have authority to establish requirements for how the program operates. This legislation aims to prevent the loss of affordable housing stock by making it economically viable for owners to maintain and upgrade distressed properties.