At UPholdings, we create, operate, and sustain the highest quality of affordable housing, and we do this throughout the country. We are committed to being community partners who are in it for the long run.

UPholdings is the umbrella company that represents the continuum of the professional services we offer and provide through our legacy organizations: 

UP Development LLC (UPD) – CREATE


UPholdings, LLC – SUSTAIN

Urban Property Investments, LLC (UPI) – Administrative Services

UPholdings is backed by the same longevity and capacity means that our founders built up through their original property management company.

UPholdings represents our company’s unified strategic vision for our affordable housing developments; through the creation of UPholdings, we have clarified our mission of providing housing for the most vulnerable residents in the community—a vision that spans from inception through the life of each projects, which is often, as intended, at least 30 years and beyond.


UPholdings is a partner for communities, through our nonprofit and social service collaborations, our tenant engagement services, and our long-term asset management services.

Since our founding as an affordable housing development and management company, we have grown and expanded. UPA, a property management company, and UP Development, a real estate development company, merged in 2010 to transform into the unified company that we are today. Our founders, co-owners Cullen J. Davis and Jessica Hoff Berzac, created this comprehensive real estate firm that is dedicated to creating, operating, and sustaining quality affordable housing in communities throughout the United States.

Our team is deeply committed to working with the most vulnerable community members on a continuous and long-term basis while we continue to design, build, and own housing that exceeds the industry’s standards for both quality and efficiency. At UPholdings, we believe that everyone has a right to high quality and accessible housing, and that housing is the foundation to wellness and opportunity for both individuals and families.


Our team is excited to share our 2020 Annual Report. As a company, UPholdings has continued to expand our development footprint while increasing services and support systems for our residents and families at our properties. Read more about our accomplishments in the report below!





June 17, 2021

PORTERVILLE – The Porterville City Council took swift action during its meeting on Tuesday on two matters that should substantially help deal with the issues of homelessness and providing services for the most vulnerable in the community. The council approved $20 million in financing to come through a state agency for an 80-unit affordable housing development to be located at 385 South E. Street. 

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February 20, 2021

FRESNO – Crossroads Village officially opened within the last week. The community provides 165 units to those experiencing homelessness in the Central Valley.



May 14, 2021

CLOVIS – The city of Clovis saw construction start Friday on its first-ever permanent housing project for some of the area's most vulnerable residents. Dubbed Butterfly Gardens, the $18 million project will be a 75-unit complex in the city's southwest, spearheaded by low-income housing developers UPholdings and Self-Help Enteprises.



January 12, 2021

TULARE – Thanks to California's Project Home Key initiative, the two-star hotel will become 50 units of permanent housing for people experiencing homelessness across Tulare County.



March 19, 2021

FRESNO – The new ‘Crossroads Village’ celebrated its official grand opening Friday with ribbon-cutting and speeches from elected officials, current residents, and those that made the $14.8 million dollar, 165-unit property a reality.



January 12, 2021

BATTLE CREEK – UPholdings, an affordable housing development and management company, is partnering with the City of Battle Creek and the local Continuum of Care to develop a permanent supportive housing community to help get people facing homelessness into housing.


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Meet Cullen


Cullen is a graduate of Northwestern Law who leveraged his legal education to create a diversified and integrated real estate company.  With more than 9,000 units under management and 1,300 units in his personal portfolio, Mr. Davis uses this platform to effect social change across the country in the development of affordable housing for those who are most in need.  In the past 20 years, Mr. Davis has pioneered economic housing models that are the basis for Supportive Housing as we currently know it, created housing in areas of great need, and altered the arc of tens of thousands of people by providing safe housing and meaningful services to create positive outcomes.  He currently operates four companies and lives in Chicago with his two children.  He is an avid boxer, Peloton biker, and art collector.  His philanthropic commitment to his community remains strong and he continues to fund a variety of programs for at-risk youth.

Meet Jessica


Jessica, co-owner and principal of UPholdings has 19 years of affordable development experience and has created hundreds of affordable housing units and developed a pipeline of thousands more. Jessica specializes in creating community partnerships with service providers and non-profit organizations and is dedicated to creating opportunities for special needs individuals to live in affordable and supportive housing. She facilitates the UPholdings development process including site acquisitions, local entitlements, financing strategy and project design, closings and program compliance. Ms. Hoff Berzac is well-versed in the process of community engagement and knows the importance of building a project and team with a broad network of support.


After receiving a B.A. in Theatre Arts from Kalamazoo College, Jessica lived in Chicago for 15 years and dabbled in the arts before finding her own professional home in affordable housing development. She now lives in her hometown of Fresno, CA with her husband, a high school theatre and film teacher, their three young sons, and their dog Sammy.

Kelly Brown


in the Management division of UPholdings, Ms. Brown has been working within the property management and asset management compliance industry since 1998. She insures the project is compliant with various affordable housing programs and that it operates at owner investor expectations. Ms. Brown's passion for service-enriched housing inspired her to author the Blended Management model used by UPholdings and later adopted by the Chicago Housing Authority's Resident Services department for mixed-income units. Kelly holds a BA from the University of Colorado. She's certified in tax credit management and affordable housing compliance. She has one daughter in college, and in her free time, she enjoys music and traveling.

Mike Noeh


in the Accounting and Finance division of UPholdings. Bringing twenty-seven years of business and finance experience to the team, Mr. Noeh directs the financial functions and operational procedures of the organization. Mr. Noeh is a licensed real estate broker and a certified public accountant, and he graduated from the University of Illinois with a bachelor of science in accounting. An active member of the Chicago Commercial Real Estate Roundtable, he has participated in several industry panel discussions including one for the Association of Industrial Real Estate Brokers (AIRE).


 is an executive administrative assistant at UPholdings. She enjoys that her job allows her to interact with people that hold many different positions within the company. She holds a bachelor’s degree in human resources from Indiana University Bloomington, and in her spare time, she enjoys going to sporting events and traveling.


 is the human resource and office manager in the Management division of UPholdings. A team member since 2002, Ms. Liang enjoys being involved in all aspects of the business and meeting diverse groups of people. She studied accounting at the University of Illinois at Chicago and graduated with a bachelor degree in business from Robert Morris University. She loves exploring restaurants and trying new foods, and she loves her two dogs.

 is a regional manager for Central and Western Illinois in the Management division of UPholdings. Her work focuses on the property management, leasing, and compliance for five properties. She enjoys working  42 with federal, state, and local regulatory agencies to ensure compliance. In addition to her associate’s degree in science from Lincoln College, she has/is a  ARM®, COS, TCS, MOR Specialist, CHM, MMH, and she is a licensed real estate broker. She lives near Springfield, IL, with her husband and their three dogs.


is UPholdings’ financial comptroller, oversees the financial reporting for all of the entities in the portfolio. Veronique enjoys working closely with the entire UPholdings team. She earned her MBA from Dominican University in River Forest, Illinois. Vero speaks French, lives in the Lincoln Park neighborhood of Chicago, and loves rooting for the Carolina Panthers football team.


 is a manager of property accounting for UPholdings. Ms. Nguyen prepares all the financial reports for UPA, Villa, and H&J, and she is the company’s go-to Skyline troubleshooter. She enjoys collaborating with her co-workers to create innovative solutions to problems. Baokhanh received her bachelor degree in business management from Northeastern University. She loves dancing and being silly with her three-year-old.


  is an area regional manager for UPholdings’ Near North Chicago properties. She enjoys meeting and exceeding the properties’ regulatory and operational benchmarks for consistent success. She has received certifications in a variety of property management trainings, including Rental Integrity Monitoring, Certified Occupancy Specialist, and Uniform Physical Condition Standards. In 2019, Ms. Norris expects to become a licensed state-leasing agent. She loves to spend time with her family, and she often volunteers at food pantries in underserved areas.


 is a project analyst within the development team at UPholdings. Hunter's work focuses on taking new affordable and supportive housing projects from the early conceptual stages through the start of construction. They earned a bachelor's degree from the University of Iowa in Ethics & Public Policy and a master's degree from the University of Illinois at Chicago in Urban Planning & Policy. Hunter enjoys surrounding themself with good people and experiencing as much of this big blue and green earth as possible.


is a real estate manager in the Development division of UPholdings, and her work focuses on construction management. She enjoys seeing projects progress from the early ideas discussed between partners through to the completion of their construction, and she enjoys participating in all the steps that come in-between. She has a bachelor’s degree in public affairs from Indiana University and is currently finishing her thesis to obtain her master’s degree in urban planning and policy from the University of Illinois at Chicago. Outside of work, Caitlin enjoys spending time with her family and friends, reading, and giving her best effort when trying out new recipes.


is a Project Associate in the Development Division of UPholdings. Kevin recently earned a Master of City Planning from the University of California - Berkeley while interning with a permanent supportive housing developer in San Francisco. He has a Bachelor of Civil Engineering from the University of California - Davis and has four years of experience as a civil engineering consultant in Sacramento.  Kevin enjoys spending his weekends skiing and backpacking in the Sierras.

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is a development manager in the Development division of UPholdings. Ryan focuses on taking projects from initial concept through to financial closing. He works to bring government agencies, service providers, design professionals, finance institutions, and other stakeholders into a shared vision for high-quality affordable housing. Ryan received his bachelor’s degree in philosophy from Wake Forest University, and his master’s degree in urban planning and policy from the University of Illinois at Chicago. Ryan has called Chicago home since 2009.

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is a project coordinator in the Development division of UPholdings. She believes housing is a basic human right and works with stakeholders across a wide variety of backgrounds to bring safe, high-quality affordable housing to communities. Sarah received her bachelor’s degree in sociology and poverty studies from the University of Notre Dame, and recently received her master’s in public policy from the University of Minnesota. In her free time, Sarah loves hiking with her dog and visiting local breweries.


At the Administrative Services Division of UPholdings, we handle all of the “back office” departments and their functions, including Human Resources, Finance, and Accounting. Under the direction of Mike Noeh, our director of finance, we serve not only UPholdings, but our sister companies Urban Property Investors (UPI) and Hallmark and Johnson.

For all inquiries regarding UPholdings Administrative Services, please contact Allison Liang, the Administrative Services Division’s office manager, at allison@upholdings.net or (773) 736-1244.



If you are passionate about people and making an impact, we'd love to talk! We, at UPholdings, take great pride in being an essential part of our communities. When working with us, you will feel part of the community as well.