Keith Molin, interim executive director of the Michigan State Housing and Development Authority, left, and Keith Cooley, MSHDA board member and director of the department of labor and economic growth for the state of Michigan, right, present Jim O’Toole, Escanaba city manager and Matt Sviland, developer of the future “Lofts on Ludington,” with a check for $200,000 — a grant for the project.