A GAO audit suggested that HUD identify subsidized projects with mortgages maturing in the next ten years. This data may be helpful to organizations interested in preserving affordable housing, by identifying those projects that will no longer be governed by the terms of the subsidized loan at some future date. It should be noted, however, that most of these projects also have project-based rental assistance contracts (e.g., Section 8) that contain restrictions on use and occupancy, and provide tenant protections which continue independent of the mortgage. State and local laws also affect the rights of owners and tenants, and market conditions will play a significant role in determining the rent levels for each project over time. Therefore, mere fact that a project's mortgage is maturing does not automatically indicate that any changes in its operation will occur.