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Michael A. Discenza

Member

mdiscenza@harrisbeachmurtha.com
D: (212) 912-3605  
- New York, NY Office
- Rochester, NY Office
- Syracuse, NY Office
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Michael-Discenza
Profile
Representative Matters
Resources
Distinctions

Michael focuses on commercial real estate, municipal and corporate law.  He represents clients in private and public financing transactions, with special emphasis on various types of commercial and real estate related transactions involving industrial development agencies, urban renewal agencies, local development corporations, land use, zoning and federal, state and local incentives.  He also represents developers, lenders and institutional and non-institutional investors in the acquisition, financing, development, construction, renovation, leasing, management and disposition of commercial real estate.

Michael has extensive experience in all aspects of commercial real estate financing. He has counseled lenders on commercial real estate transactions nationwide and has represented regional portfolio lenders and national delegated underwriting and servicing (“DUS”) lenders in the sale of loans to Fannie Mae and Freddie Mac, with an emphasis on affordable housing, credit enhanced tax-exempt bond structures, green financing, student housing, manufactured housing, and conventional loan programs. He has also represented investment funds and companies and has experience in corporate and mezzanine financing. Michael is a fellow at the American College of Mortgage Attorneys (ACMA) and is accredited as a LEED AP in building design and construction.

  • Represented lender on $500 Million, four-property portfolio transaction on Manhattan’s Upper East Side to be sold on the secondary market
  • Represented lender on $125 Million ground lease acquisition transaction in Chevy Chase, Maryland to be sold on the secondary market
  • Represented lender on $265 Million acquisition transaction for a mixed-use building in Stamford, Connecticut with 500 multifamily units and 17 commercial spaces to be sold on the secondary market
  • Represented lender on $50 Million Shariah transaction to be sold on secondary market
  • Represented lender on $45 Million ground lease IDA deal on Long Island to be sold on secondary market
  • Represented lender on $60 Million low-income house tax credit transaction in Tallahassee, Florida with low-income housing tax credits, a PILOT Agreement and bond-redemption at closing
  • Represented lender on financing of a $300 Million affordable housing portfolio transaction composed of 15 properties scattered across five states
  • Represented lender on $15 Million refinance of a Mitchell-Lama property in Syracuse, New York
  • Represented lender on $25 Million historic tax credit transaction in Charlotte, North Carolina to be sold on secondary market
  • Represented lender on $50 Million ground lease IDA transaction in Suffolk County with 12 commercial leases and commercial condominium regime
Insights
August 14, 2026

Congress Considers Expanding Access to Tax-Exempt Mortgage Financing

If enacted, the legislation could significantly expand financing options for first-time homebuyers.
July 13, 2026

Update: Major Affordable Housing Bill Becomes Law

The compromise bill represents a significant bipartisan step toward increasing housing supply and affordability.
June 12, 2026

Oneida County Expands Housing Incentives for Rental and Owner-Occupied Projects

For housing developers, this is a policy worth watching.
June 10, 2026

New York Poised to Expand Affordable Housing Financing Flexibility

The change could bring added flexibility and influence how affordable housing transactions are structured going forward.
June 5, 2026

Buffalo Rethinks Handling of Vacant Buildings; Could Impact Housing Supply

Buffalo is signaling that preservation may play a larger role in addressing the housing shortage.
March 17, 2026

Compulsory Participation in Section 8 Housing Program Deemed Unconstitutional

The New York attorney general is expected to appeal the decision to the state’s highest court.
February 20, 2026

Central New York to See $150 Million for Housing Development

Major population and employment growth will come with Micron Technology’s planned $100 billion semiconductor megafab in Onondaga County.
February 9, 2026

Apply Now! Millions Available for Affordable Housing Projects

Applications to the Federal Home Loan Bank of New York’s Affordable Housing Program are due March 20, but a member bank may need them sooner
News
August 20, 2026

123 Harris Beach Murtha Lawyers Recognized as 2027 Best Lawyers® Award Recipients; 10 Earn “Lawyer of the Year” Recognition

Best Lawyers honorees are selected through a peer-review process evaluating professional excellence within specific practice areas and geogr
January 9, 2026

News Outlets Cover Firm’s Six Newly Elected Partners

Several professional organizations also covered the announcement of new partners.
November 24, 2025

Real Estate Publication Prints Attorney’s Affordable Housing Column

Michael Discenza notes four actions foundation can take and also explains why affordable housing is a good financial investment for them.
Events

Michael Discenza Presenting at New York State Public Housing Authority Directors Association Fall Conference

October 23, 2025
Mike Discenza discussing Community Foundations and the role that they play in supporting affordable housing preservation and development.
External Publications

Professional and Civic

  • Rising Leaders Network (RLN) of the New York Housing Conference (NYHC), member
  • Mortgage Bankers Association of New York, member
  • Young Mortgage Bankers Association, member
  • Urban Green Council, member
  • Urban Land Institute, member
  • Commercial Real Estate Finance Council, member
  • New York State Bar Association Real Property Section, member
  • American College of Mortgage Attorneys (ACMA), fellow

Recognition

  • Best Lawyers, Real Estate Law, since 2027
  • Super Lawyers, New York Metro Rising Star, 2018-2021
Admissions
New YorkU.S. District Court, New York - Northern DistrictU.S. Supreme Court
Education

Albany Law School

JD 
2007

College of the Holy Cross

BA 
2004

Capabilities

Legal Practices

Member of:

Commercial Real Estate
Public Finance and Economic Development

Industry Teams

Co-Leader for:

Affordable Housing

Member of:

Affordable Housing
Cannabis
Financial Institutions
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Michael-Discenza

Michael A. Discenza

Member

mdiscenza@harrisbeachmurtha.com
Capabilities
People
Harris Beach Murtha Attorneys at Law
Michael-Discenza

Michael A. Discenza

mdiscenza@harrisbeachmurtha.com
D: (212) 912-3605
New York, NY Office
Rochester, NY Office
Syracuse, NY Office

Profile

Michael focuses on commercial real estate, municipal and corporate law.  He represents clients in private and public financing transactions, with special emphasis on various types of commercial and real estate related transactions involving industrial development agencies, urban renewal agencies, local development corporations, land use, zoning and federal, state and local incentives.  He also represents developers, lenders and institutional and non-institutional investors in the acquisition, financing, development, construction, renovation, leasing, management and disposition of commercial real estate.

Michael has extensive experience in all aspects of commercial real estate financing. He has counseled lenders on commercial real estate transactions nationwide and has represented regional portfolio lenders and national delegated underwriting and servicing (“DUS”) lenders in the sale of loans to Fannie Mae and Freddie Mac, with an emphasis on affordable housing, credit enhanced tax-exempt bond structures, green financing, student housing, manufactured housing, and conventional loan programs. He has also represented investment funds and companies and has experience in corporate and mezzanine financing. Michael is a fellow at the American College of Mortgage Attorneys (ACMA) and is accredited as a LEED AP in building design and construction.

Areas of Expertise

Legal Practices

Member of:

Commercial Real Estate
Public Finance and Economic Development

Industry Teams

Co-Leader for:

Affordable Housing

Member of:

Affordable Housing
Cannabis
Financial Institutions
Please select listing to show.

Admissions

New YorkU.S. District Court, New York - Northern DistrictU.S. Supreme Court

Representative Matters

  • Represented lender on $500 Million, four-property portfolio transaction on Manhattan’s Upper East Side to be sold on the secondary market
  • Represented lender on $125 Million ground lease acquisition transaction in Chevy Chase, Maryland to be sold on the secondary market
  • Represented lender on $265 Million acquisition transaction for a mixed-use building in Stamford, Connecticut with 500 multifamily units and 17 commercial spaces to be sold on the secondary market
  • Represented lender on $50 Million Shariah transaction to be sold on secondary market
  • Represented lender on $45 Million ground lease IDA deal on Long Island to be sold on secondary market
  • Represented lender on $60 Million low-income house tax credit transaction in Tallahassee, Florida with low-income housing tax credits, a PILOT Agreement and bond-redemption at closing
  • Represented lender on financing of a $300 Million affordable housing portfolio transaction composed of 15 properties scattered across five states
  • Represented lender on $15 Million refinance of a Mitchell-Lama property in Syracuse, New York
  • Represented lender on $25 Million historic tax credit transaction in Charlotte, North Carolina to be sold on secondary market
  • Represented lender on $50 Million ground lease IDA transaction in Suffolk County with 12 commercial leases and commercial condominium regime

Distinctions

Professional and Civic

  • Rising Leaders Network (RLN) of the New York Housing Conference (NYHC), member
  • Mortgage Bankers Association of New York, member
  • Young Mortgage Bankers Association, member
  • Urban Green Council, member
  • Urban Land Institute, member
  • Commercial Real Estate Finance Council, member
  • New York State Bar Association Real Property Section, member
  • American College of Mortgage Attorneys (ACMA), fellow

Recognition

  • Best Lawyers, Real Estate Law, since 2027
  • Super Lawyers, New York Metro Rising Star, 2018-2021
Attorney Advertising. Prior results do not guarantee a similar outcome. © 2026 Harris Beach Murtha Cullina PLLC
Content current as of October 13, 2026 12:45 pm