Jennifer A. Merlo


Phone: 314.854.0413

Fax: 314.726.6786



Cindy Decker


Jennifer focuses her practice on the acquisition, development and financing of affordable housing and historic rehabilitation real estate developments, including the use of federal and state Low Income Housing Tax Credits, federal and state Historic Rehabilitation Credits, Missouri Affordable Housing Assistance Program credits, Neighborhood Assistance Program credits and Renewable Energy Tax Credits.

Jennifer has assisted clients in a wide variety of non-tax credit lending transactions, including real property development, asset-based lending, and bankruptcy-related financing.

Prior to entering private practice, Jennifer clerked for the Honorable J. Craig Whitley, United States Bankruptcy Court for the Western District of North Carolina.

Expand All Tabs

  • Representative Experience

    Jennifer has represented clients in the following types of transactions:

    • Represented developers in a number of low income housing developments in Missouri, Kansas, Oklahoma and North Carolina.
    • Represented federal and state syndicator in low income housing tax credit and historic tax credit developments throughout the country.
    • Represented developers in historic rehabilitation developments in Missouri, Oklahoma and Kansas, utilizing both traditional and HUD financing.
    • Provided tax advice and tax opinions for low-income, historic and renewable energy tax credit projects.
    • Represented national banking associations in loan workouts, refinances and syndicated financing.
    • Represented debtors, secured lenders and credit committees in complex Chapter 11 cases throughout the country.
    • Provided pro bono legal work to various local arts non-profit organizations.
  • Professional Affiliations & Memberships

    • Commercial Real Estate Women (CREW), St. Louis Chapter member
    • American Bar Association
    • Missouri and North Carolina Bar Associations
    • Bar Association of Metropolitan St. Louis
  • Community Involvement

    • Stray Dog Theatre, Board Member