Item D37 D.37'
J �� BOARD OF COUNTY COMMISSIONERS
County of Monroe ire �f �r�l � � Mayor Heather Carruthers,District 3
The Florida.Keys Mayor Pro Tem Michelle Coldiron,District 2
Craig Cates,District I
David Rice,District 4
Sylvia J.Murphy,District 5
County Commission Meeting
April 15, 2020
Agenda Item Number: D.37
Agenda Item Summary #6761
BULK ITEM: Yes DEPARTMENT: Social Services
TIME APPROXIMATE: STAFF CONTACT: Sheryl Graham (305) 292-4510
N/A
AGENDA ITEM WORDING: Approval of an amendment of the State Housing Initiatives
Partnership (SHIP) Program's Local Housing Assistance Plan (LHAP) to modify the existing
Homeowner Disaster Mitigation Strategy (C) and change it to Homeowner Disaster Relief (C); to
modify the existing Affordable Rental Units - Disaster Mitigation (F) and change it to Affordable
Rental Units - Rehabilitation Disaster Relief(F); to modify the Annual Report Code of Homebuyer
Assistance (A) from 2 to 1.
ITEM BACKGROUND: The purpose of this amendment is to expand the language to define the
intent and purpose of the disaster relief funding available and expand in detail eligible activities.
Additionally, there is a change in the title of the strategies to read: Disaster Relief versus Disaster
Mitigation because `Mitigation' denotes hardening which is not an eligible activity under the State
Housing Initiatives Partnership (SHIP)Program Act. Further, the Annual Report Coding on the
Homebuyer Assistance Strategy needed to modified from the number 2 to 1.
PREVIOUS RELEVANT BOCC ACTION: Approval of the MC SHIP Local Housing Assistance
Plan (LHAP) for Fiscal Years 2019-2020/2020-2021/2021-2022 at BOCC meeting on July 17, 2019.
CONTRACT/AGREEMENT CHANGES:
Revised Strategy
STAFF RECOMMENDATION: Approval
DOCUMENTATION:
MONROE COUNTY LHAP 2020-2021-2022 REVISED 4.15.20
LHAP Backup 3 3120
FINANCIAL IMPACT:
Effective Date: 04/15/2020
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D.37
Expiration Date: 06/30/2022
Total Dollar Value of Contract: 0
Total Cost to County: 0
Current Year Portion: 0
Budgeted:
Source of Funds:
CPI: 0
Indirect Costs: 0
Estimated Ongoing Costs Not Included in above dollar amounts: 0
Revenue Producing: No If yes, amount:
Grant:
County Match: 0
Insurance Required: No
Additional Details: No
REVIEWED BY:
Pedro Mercado Completed 03/31/2020 5:11 PM
Purchasing Completed 03/31/2020 5:15 PM
Budget and Finance Completed 03/31/2020 5:20 PM
Maria Slavik Completed 03/31/2020 5:24 PM
Kathy Peters Completed 03/31/2020 5:29 PM
Board of County Commissioners Pending 04/15/2020 9:00 AM
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MONROE COUNTY FLORIDA
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SHIP LOCAL HOUSING ASSISTANCE PLAN(LHAP)
2019-2020,2020-2021 AND 2021-2022
MC SHIP LHAP REVISED APRIL 15,2020
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TABLE OF CONTENTS Page#
Section I: Program Details 3
Section II: Housing Strategies 7-15
A. HOMEBUYER ASSISTANCE 7-8
B. HOMEOWNER REHABILITATION 9
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C. HOMEOWNER DISASTER RELIEF 10-11
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D. HOMEOWNER SEWER LATERAL CONNECTIONS 12
E. AFFORDABLE RENTAL CONSTRUCTION/REHABILITATION 13-14
F. AFFORDABLE RENTAL REHABILITATION—DISASTER RELIEF 15
SECTION III: Incentive Strategies 16-22
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A. Expedited Permitting 16
B. Ongoing Review Process 16-17
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C. Modification of Impact Fee Requirements 17 LO
D. Flexibility in Densities for Affordable Housing 17-18
E. Reservation of Infrastructure Capacity for Affordable Housing 18
F. Allowance of Affordable Accessory Residential Units in Residential Zoning Dist. 18
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G. Reduction of Parking&Setback for Affordable Housing 19 CD
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H. Allowance of Flexible Lot Configurations 19
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I. Modification of Street Requirements 19 '
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J. Inventory of County Owned Property Suitable for Affordable Housing 19-20
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K. Support Development 20
L. Inclusionary Housing 20-21 >"
M. Mobile Home Park Incentive Program 21-22
N. Employee Housing Commercial Apartments&Workforce Housing 22 LU
O. Purchase& Lease Back Program 22
SECTION IV: Exhibits 23
A. Administrative Budget For Each Fiscal Year Covered in the Plan 23
B. Timeline for Estimated Encumbrance and Expenditure 24
C. Housing Delivery Goals Chart(HDGC) For Each Fiscal Year Covered in the Plan 25-27
D. Signed LHAP Certification 28-29
E. Signed, Dated,Witnessed or Attested Adopting Resolution 30-31
F. Ordinance: (If changed from the original creating ordinance) n/a
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I. Program Details:
A. Name of the participating local government: MONROE COUNTY, FLORIDA
Is there an Interlocal Agreement: Yes: No: X
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B. Purpose of the program: LO
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1) To meet the housing needs of the very low, low and moderate income
households;
2) To expand production of and preserve affordable housing; and
3) To further the housing element of the local government comprehensive
plan specific to affordable housing.
C. Fiscal years covered by the Plan: 2019-2020, 2020-2021 AND 2021-2022. CL
D. Governance:The SHIP Program is established in accordance with Section 420.907-9079, Florida
Statutes and Chapter 67-37, Florida Administrative Code. Cities and Counties must be in N
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compliance with these applicable statutes, rules and any additional requirements as established
through the Legislative process.
E. Local Housing Partnership:The SHIP Program encourages building active partnerships between >
government, lending institutions, builders and developers, not-for-profit and community based
housing providers and service organizations, providers of professional services related to
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affordable housing, advocates for low-income persons, real estate professionals, persons or
entities that can provide housing or support services and lead agencies of the local continuums
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of care. `V
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F. Leveraging:The Plan is intended to increase the availability of affordable residential units by `V
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combining local resources and cost saving measures into a local housing partnership and using
public and private funds to reduce the cost of housing. SHIP funds may be leveraged with or
used to supplement other Florida Housing Finance Corporation programs and to provide local
match to obtain federal housing grants or programs.
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G. Public Input: Public input was solicited through face to face meetings with housing providers,
social service providers and local lenders and neighborhood associations. Public input was
solicited through the local newspaper in the advertising of the Monroe County Board of County
Commissioners Meetings Agenda and the Notice of Funding Availability when applicable.
H. Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of
general circulation and periodicals serving ethnic and diverse neighborhoods, at least 30 days
before the beginning of the application period. If no funding is available due to a waiting list, no
notice of funding availability is required.
I. Waiting List/Priorities:A waiting list will be established when there are eligible applicants for
strategies that no longer have funding available.Those households on the waiting list will be
notified of their status.Applicants will be maintained in an order that is consistent with the time
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applications were submitted as well as any established funding priorities as described in this
plan. Priorities for funding described/listed here apply to all strategies unless otherwise stated in
the strategy. First priority is given to those clients who meet the 20%Special Needs definition.
J. Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to
discriminate on the basis of race, color, religion, sex, national origin, age, handicap, or familial
status in the award application process for eligible housing. CD
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K. Support Services and Counseling: Support services are available from various sources. Available LO
support services may include but are not limited to: Homeownership Counseling (Pre and Post),
Credit Counseling,Tenant Counseling, Foreclosure Counseling and Transportation.
L. Purchase Price Limits:The sales price or value of new or existing eligible housing may not
exceed 90%of the average area purchase price in the statistical area in which the eligible
housing is located. Such average area purchase price may be that calculated for any 12-month CL
period beginning not earlier than the fourth calendar year prior to the year in which the award
occurs. The sales price of new and existing units,which can be lower but may not exceed 90% W
of the median area purchase price established by the U.S.Treasury Department or as described N
above. The methodology used is: U.S.Treasury Department LO
M. Income Limits, Rent Limits and Affordability:The Income and Rent Limits used in the SHIP
Program are updated annually by the Department of Housing and Urban Development and U,
posted at www.floridahousing.org. "Affordable" means that monthly rents or mortgage
payments including taxes and insurance do not exceed 30 percent of that amount which
represents the percentage of the median annual gross income for the households as indicated in N
Sections 420.9071, F.S. However, it is not the intent to limit an individual household's ability to
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devote more than 30%of its income for housing, and housing for which a household devotes N
more than 30%of its income shall be deemed Affordable if the first institutional mortgage N
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lender is satisfied that the household can afford mortgage payments in excess of the 30% N
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benchmark and in the case of rental housing does not exceed those rental limits adjusted for
bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and
selection criteria for applications for Awards to eligible sponsors shall be developed, which
includes a description that demonstrates how eligible sponsors that employ personnel from the
Welfare Transition Program will be given preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity
that has administrative authority for implementing the local housing assistance plan assisting
rental developments shall annually monitor and determine tenant eligibility or, to the extent
another governmental entity provides periodic monitoring and determination, a municipality,
county or local housing financing authority may rely on such monitoring and determination of
tenant eligibility. However, any loan or grant in the original amount of$10,000 or less shall not
be subject to these annual monitoring and determination of tenant eligibility requirements.
Tenant eligibility will be monitored annually for no less than 15 years or the term of assistance
whichever is longer unless as specified above.
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Eligible sponsors that offer rental housing for sale before 15 years or that have remaining
mortgages funded under this program must give a first right of refusal to eligible nonprofit
organizations for purchase at the current market value for continued occupancy by eligible
persons.
P. Administrative Budget: A line-item budget of proposed Administrative Expenditures is attached
as Exhibit A. MONROE COUNTY, FLORIDA finds that the moneys deposited in the local housing
assistance trust fund shall be used to administer and implement the local housing assistance CD
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plan. Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: LO
"A county or an eligible municipality may not exceed the 5 percent limitation on administrative
costs, unless its governing body finds, by resolution, that 5 percent of the local housing
distribution plus 5 percent of program income is insufficient to adequately pay the necessary
costs of administering the local housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code,further states: CL
"The cost of administering the program may not exceed 10 percent of the local housing
distribution plus 5 percent of program income deposited into the trust fund, except that small W
counties, as defined in s. 120.52(19), and eligible municipalities receiving a local housing N
distribution of up to $350,000 may use up to 10 percent of program income for administrative LO
costs."The applicable local jurisdiction has adopted the above findings in the resolution
attached as Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be wholly
performed and maintained by MONROE COUNTY, FLORIDA.
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R. Project Delivery Costs: N/A
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S. Essential Service Personnel Definition: Essential Services Personnel in Monroe County shall N
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include teachers and educators, other school district, community college, and university N
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employees, police and fire personnel, health care personnel, skilled building trades personnel;
full-time and part-time working persons employed in Monroe county providing services in the
construction and, real estate, finance, public and non-profit organizations, licensed professions
and trades, commercial fishing, hospitality, wholesale and retail consumer services,
transportation, and security.
T. Describe efforts to incorporate Green Building and Energy Saving products and processes:
Priority will be given to those sponsors who demonstrate innovative design, green building
principles, storm resistant construction or other elements that reduce long term costs relating
to maintenance, utilities or insurance, rehabilitation of existing homes to greatly reduce the
carbon footprint of building new homes; installation of storm shutters and high impact windows
and doors; use of recycled construction materials; installation of new energy saving rated
appliances; etc.
U. Describe efforts to meet the 20%Special Needs set-aside:The Monroe County SHIP office in
conjunction with Monroe County Social Services, utilize their existing applicant list in addition to
continuous advertising on the Monroe County website for ongoing homeowner rehabilitation
funding countywide. There has been a continuous demand for funding.
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V. Describe efforts to reduce homelessness:The SHIP program provides owner occupied
rehabilitation assistance to the extremely low, very-low, low and moderate income clients of the
county reducing the risk of those homeowners becoming homeless.
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Section II. Housing Strategies:
A. HOMEBUYER ASSISTANCE Code 1
a. Summary of Strategy: Funding assistance for the purchase or construction of a
single-family, residential, owner occupied property, including condominiums
and townhouses.
b. Fiscal Years Covered: 2019-2020, 2020-2021 AND 2021-2022
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C. Income Categories: Very Low, Low and Moderate LO
d. Maximum award: $45,000
e. Terms:
1. Deferred Loan: Secured by a recorded note and mortgage
2. Interest Rate: 0% CL
3. Term: Thirty(30)years
4. Forgiveness: N/A—Full loan amount due at maturity
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5. Repayment: None due as long as the loan is in good standing. LO
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6. Default: The loan will be due and payable in full upon maturity,
payment in full of the first mortgage, sale, rental or transfer of the
property, failure to comply with the terms of the SHIP mortgage, loss of
homestead exemption or death of the last surviving homeowner. In the >
event of the death of the last surviving homeowner, any income eligible
heir residing in the home may assume the SHIP Loan as long as they can
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obtain title to the entire property within one (1) year of the death of the N
last surviving homeowner and the first mortgagee consents to the
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assumption of their loan.
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f. Recipient Selection Criteria: Eligible applicants will receive assistance on a "First N
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Qualified, First Served" basis. Applicants who have been determined to be
income eligible for program assistance will be placed on a waiting list according
to their income.
Applications for Homebuyer Assistance must include:
1. A contract for purchase of an existing housing unit or one under
construction. An "under construction" housing unit shall be defined as
having a building permit and pilings/foundation complete and inspected.
2. A lending institution pre-qualification letter for the amount to be financed m
which may assume up to a $45,000 SHIP loan.
3. An affidavit from the Seller in the event this is a unit under construction,
indicating the delivery date of the housing unit (cannot be more than five
months from the date of the SHIP approval).
Applicants who fail to submit complete applications, who do not meet SHIP
threshold requirements or cannot close due to financing or any other
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reason, may not reapply for SHIP assistance until the following application
cycle.
g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: Buyer(s) must contribute a minimum three percent (3%)
of the sales price as a down payment. Property must meet minimum health and
safety standards as defined under the U.S Department of Housing and Urban `CD
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Development's, Housing Quality Standards (HQS). Any HQS deficiencies must be LO
corrected prior to or as part of the purchase transaction. In the case of new
construction, a Certificate of Occupancy(CO) may be substituted for the HQS
inspection. Mortgage loans to public entities, which retain ownership of the
land under the terms of a ground lease, shall extend to the improvements.
Home must be financed with a federally insured financial institution. In the CL
event other financing methods are utilized and approved by the SHIP
Administrator or assigned personnel, the SHIP Note and Mortgage must be a W
first mortgage. N
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SHARED APPRECIATION PROVISION: All SHIP funds under this strategy are
subject to a mortgage that shall contain recapture provisions which provides for
shared appreciation between the buyer(s) and the Monroe County SHIP D
Program. The amount due Monroe County upon sale, refinancing or transfer of
the property shall be calculated by adding the sum of the principal balance of
the SHIP loan and 50% of the appreciated value. The appreciated value shall be N
the difference between the original purchase price and the sales price less any
real estate commission, less the value of any permitted improvements and less N
reasonable closing costs. Housing units constructed utilizing Affordable Housing N
Permits which restrict appreciation in the housing unit's value, shall not beCL
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subject to the Shared Appreciation Provision.
ASSUMPTION OF EXISTING SHIP MORTGAGES: Existing SHIP Homebuyer
Mortgage Loans may be assumed in order to enhance the owner occupied
property's marketability and avoid the loss of existing affordable housing units
when the current appraised value is equal to or less than the original purchase
price and must be recommended by the SHIP Program Coordinator and
approved by the SHIP Program Administrator.
Existing SHIP Homebuyer Mortgage Loans of Not-For-Profit Homeownership
Developer units may be assumed for the balance of the term of the existing loan
by new very low and low income qualified homebuyers. Transfer of title to the
new homebuyers must be completed within a period that does not to exceed six
(6) months after repayment by the existing homeowner.
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B. HOMEOWNER REHABILITATION I Code 3
a. Summary of Strategy: Funding assistance for owner occupied housing
rehabilitation, with/or without leveraging with the Weatherization Assistance
Program.
b. Fiscal Years Covered: 2019-2020- 2020-2021 - 2021-2022LO
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c. Income Categories: Very Low, Low and Moderate Income
d. Maximum award: $35,000.The first$20,000.00 in funding is a grant. m
e. Terms: m
1. Deferred Loan : Secured by a recorded note and mortgage
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2. Interest Rate: 0%
3. Term:Twenty(20)years
4. Forgiveness: N/A- Full loan amount due at maturity W
5. Repayment: None due as long as the loan is in good standing. LO
6. Default:The loan will be due and payable in full upon in the event of,
rental, sale or transfer of the property before the maturity date, failure
to comply with the terms of the SHIP mortgage, loss of homestead _
exemption, or death of the last surviving homeowner. In the event of
the death of the last surviving homeowner, any income eligible heir N
residing in the home may assume the SHIP Loan as long as they can CD
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obtain title to the entire property within one (1)year of the death of the `V
last surviving homeowner and the first mortgagee consents to the CD
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assumption of their loan. CD
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f. Recipient Selection Criteria: Eligible applicants will receive assistance on a "First CL
Qualified, First Served" basis. Applicants who have been determined to be
income eligible for program assistance will be placed on a waiting list according
to their income classification.
g. Sponsor/Developer Selection Criteria: N/A
h. Additional lnformation:N/A
For the purpose of this strategy, the standard for rehabilitation is defined as
those improvements necessary for the subject unit to meet the U.S. Department
of Housing and Urban Development's Housing Quality Standards (HQS). All
households receiving rehabilitation assistance under this strategy are not
eligible for additional SHIP funding for a period of three (3) years from closeout <
of grant/loan.
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C. HOMEOWNER DISASTER RELIEF I Code 5
a. Summary of Strategy: Funds will be awarded to owner occupied homeowners
and/or displaced individuals to provide immediate disaster relief, repair of
existing homes or purchase assistance required to purchase or replace
demolished homes as a result of an emergency or natural disaster which has
been declared by executive order(s) signed by the President of the United States
of America or the Governor of the State of Florida.
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This strategy will only be funded and implemented in the event of a disaster
using any funds that have not yet been encumbered or with additional disaster
funds allocated by Florida Housing Finance Corporation. SHIP disaster funds
may be used for items such as, but not limited to:
(a) Purchase of emergency supplies for eligible households to weatherproof; CL
(b) Purchase and/or replacement housing unit;
(c) Interim repairs to avoid further damage; tree and debris removal required W
to make the individual housing unit habitable; cv
(d) Construction of wells or repair of existing wells where public water is not LO
available;
(e) Payment of insurance deductibles for rehabilitation of homes covered under
homeowners' insurance policies; >
(f) Security deposit for eligible recipients that have been displaced from their
homes due to disaster;
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(g) Rental assistance for eligible recipients that have been displaced from their cv
homes due to disaster.
(h) Any strategy included in the approved LHAP that benefit applicants directly cv
affected by the declared disaster. cv
(i) Other activities as proposed by Monroe County and approved by the Florida
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Housing Finance Corporation.
b. Fiscal Years Covered: 2019-2020-2020-2021 -2021-2022 >"
C. Income Categories: Very Low, Low and Moderate
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d. Maximum award: $35,000
e. Terms:
1. Deferred loan: Secured by a recorded note and mortgage
2. Interest Rate: 0% m
3. Term: Ten (10)years
4. Forgiveness:The loan balance will be forgiven during years six (6)
through ten (10) at the rate of twenty(20) % per year.
5. Repayment: None due as long as the loan is in good standing.
6. Default:The outstanding loan balance will be due and payable in full
upon the rental, sale or transfer of the property, failure to comply with
the terms of the SHIP mortgage, loss of homestead exemption or death
of the last surviving homeowner. In the event of the death of the last
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surviving homeowner, any income eligible heir residing in the home
may assume the SHIP Loan as long as the heir can obtain title to the
entire property within one (1)year of the death of the last surviving
homeowner and the first mortgagee consents to the assumption of
their loan.
f. Recipient Selection Criteria:Applications processed on a "First Qualified, First
Served" basis. LO
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g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: Eligible costs include all hard and soft costs associated
with the rehabilitation of the property.
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D. HOMEOWNER SEWER LATERAL CONNECTIONS I Code 9
a. Summary of Strategy: Funding assistance for sewer lateral connections for
owner occupied properties, to include condominiums and townhouses.
b. Fiscal Years Covered: 2019-2020- 2020-2021 -2021-2022
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C. Income Categories: Very low and Low Income N
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d. Maximum award: $8,000
e. Terms:
1. Deferred loan: Secured by a recorded note and mortgage
2. Interest Rate: 0%
3. Term:Ten (10) years CL
4. Forgiveness: Full loan amount at maturity
5. Repayment: None due as long as the loan is in good standing.
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6. Default: The outstanding balance shall be due and payable uponLO
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maturity or in the event of rental, sale, transfer, or failure to comply
with the terms of the SHIP mortgage, loss of homestead exemption or
death of the last surviving homeowner. In the event of the death of the
last surviving homeowner, any income eligible heir residing in the home >
may assume the SHIP Loan as long as they can obtain title to the entire
property within one (1)year of the death of the last surviving
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homeowner and the first mortgagee consents to the assumption of N
their loan.
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f. Recipient Selection Criteria: Applications processed on a "First qualified, First N
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Served" basis. N
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g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: N/A
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E. AFFORDABLE RENTAL CONSTRUCTION/REHABILITATION I Code 21
a. Summary of Strategy: Funds provided for the construction or rehabilitation of
affordable housing units.
b. Fiscal Years Covered: 2019-2020- 2020-2021 - 2021-2022
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b. Income Categories: Very Low, Low and Moderate N
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d. Maximum award: $40,000 per unit
e. Terms:
1. Deferred loan: Secured by a recorded note and mortgage.
2. Interest Rate: 0% - not-for-profit entities, 3%-for-profit entities
3. Term: Fifteen (15)years. CL
4. Forgiveness: Not-for-Profit entities, full loan amount forgiven at
maturity. For-Profit entities, full loan amount due at maturity.
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5. Repayment: None due as long as the loan is in good standing. LO
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6. Default: Due and payable in full upon sale or transfer of the property or
failure to comply with the terms of the SHIP Rental Monitoring
Agreement or Land Use Restriction Agreement (LURA). SHIP set aside
units assisted under this strategy must maintain rents that do not >
exceed the rent maximums published annually by the Florida Housing
Finance Corporation. SHIP recipients that offer rental housing for sale
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within fifteen years of the SHIP award must give a right of first refusal to N
eligible non-profit organizations for purchase at the current market
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value for continued occupancy by eligible persons.
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f. Recipient Selection Criteria: Eligible residents will be selected on a "First N
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Qualified, First Served" basis.
g. Sponsor/Developer Selection Criteria: Priority will be given to those sponsors
demonstrating innovative design, green building principles, storm resistant
construction or other elements that reduce long term costs relating to
maintenance, utilities or insurance.
Priority#1 shall be to provide funding for the preservation of Assisted Housing
Units.The tiebreaker within Priority#1 shall be the lowest SHIP per unit cost.
Priority#2 Applications proposing the rehabilitation of existing affordable rental m
units, ranked in the following order:
2a. Proposing the longest period of affordability
2b. Serving very low-income tenants
2c. Serving substantially (%)very low-income tenants
2d. Serving low-income tenants
2e. Serving substantially (%) low-income tenants
2f. Serving moderate-income tenants
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The tiebreaker shall be the lowest SHIP per unit cost.
Priority#3 Applications proposing the creation of the new rental units by
construction or rehabilitation, ranked in the following order:
1a. Proposing the longest period of affordability
1b. Units serving very low-income tenants N
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1c. Units serving substantially(%)very low-income tenants LO
1d. Serving low-income tenants
1e. Serving substantially (%) low-income tenants
If. Serving moderate-income tenants
The tiebreaker shall be the lowest SHIP per unit cost.
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h. Additional Information: All entities funded under this strategy will be required
to execute a SHIP Rental Monitoring Agreement and Land Use Restriction W
Agreement (LURA)for a minimum term of fifteen (15)years. N
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F. AFFORDABLE RENTAL UNITS—REHABILITATION DISASTER RELIEF I Code 16
a. Summary of Strategy: Funds will be provided for the rehabilitation of affordable
rental units affected by a natural disaster as declared by executive order signed by
the President or Governor.
b. Fiscal Years Covered: 2019-2020-2020-2021 -2021-2022
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c. Income Categories: Very Low, Low and Moderate LO
d. Maximum award: $35,000 per unit
e. Terms:
1. Deferred loan: Secured by a recorded note and mortgage and Land
Use Agreement (LURA) CL
2. Interest Rate: 0%
3. Term: Fifteen (15)years W
4. Forgiveness:The loan balance will be forgiven at maturity. N
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5. Repayment: None due if the loan is in good standing. T'
6. Default: Principal and interest shall be due upon the sale or transfer of
the property. If during the affordability period the property is sold or _
transferred to an eligible nonprofit organization approved by the County >
that agrees to execute all SHIP loan documents for the affordability
period originally specified, no payment is due on the loan.
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f. Recipient Selection Criteria: Tenants will be processed on a "First Qualified, First N
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Served" basis.
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g. Sponsor/Developer Selection Criteria: Priority will be given to non-profit CL
sponsors who own deed and income restricted properties in need of repair as a
result of a natural disaster for the preservation of assisted housing units and
long-term affordability for very low, low and moderate income tenants.
h. Additional Information: Eligible costs include all hard and soft costs associated t�
with the rehabilitation of the property.
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III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives
with the policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3)for affordable housing projects are expedited CD
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to a greater degree than other projects. LO
Established policy and procedures:The Monroe County Year 2010 Comprehensive Plan
and Land Development Code establish procedures for expediting the development of
affordable housing projects.The County is allowed to issue 197 building permits
annually, and of these permits,the County sets aside 71 permits for affordable housing.
Any unused allotment of permits for affordable housing is rolled over and accumulated CL
in subsequent years. Note,the BOCC transmitted a Comprehensive Plan amendment to
make all affordable housing allocations available immediately(no longer need to W
distribute 71 allocations per year) to expedite the use/availability of affordable N
allocations. Adoption is anticipated in early 2016. LO
Provide a description of the procedures used to implement this strategy: Affordable
housing permit applications are not required to go through the competitive ROGO (Rate U,
of Growth Ordinance) process. Additionally, any development order or development
permit for affordable housing receives priority in processing and review of applications
and permits, per Section 9-2(b) of the Monroe County Code. CD
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Responsible Agency: Monroe County Building Department and Planning & N
Environmental Resources Department N
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B. Name of the Strategy: Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations and plan
provisions that increase the cost of housing prior to their adoption.
Established policy and procedures:
1. Section 9-3 of the Monroe County Code states: All ordinances, policies,
resolutions, regulations, and comprehensive plan provisions (regulations)that may
affect the cost of housing including those regarding infrastructure, permitting, impact
fees, or development process and approvals shall be reviewed by the growth
management director,the planning director, the building official and the finance or
budget director.The assessment shall evaluate whether the new regulation does, in
fact, affect the cost of housing including affordable housing. Such evaluation shall be
addressed in the staff report to the board of county commissioners.
Responsible Agency: Monroe County Assistant County Administrator, Monroe County
Planning & Environmental Resources and Monroe County Building Department
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2. The County allows applicants to apply to the Board of County Commissioners to
waive building permit application fees for affordable housing (Section 6-108(e), Monroe
County Code).
Responsible Agency: Monroe County Building Department
3. The adopted Fee Resolution for the Planning & Environmental Resources
Department provides that there shall be no application or other fees, except advertising N
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and noticing fees, for affordable housing projects, except that all applicable fees shall be LO
charged for applications for all development approvals required for any development
under Sec. 130-161.1 (Transfer of ROGO Exemptions from Mobile Home Parks) and for
applications for variances to setback, landscaping and/or off-street parking regulations
associated with an affordable housing development.
Responsible Agency:The Monroe County Planning and Environmental Resources CL
Department and Monroe County Building Department
Other Incentive Strategies Adopted: N
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C. Name of Strategy: Modification of Impact Fee Requirements
Established policy and procedure: The County waives impact fees for all affordable U,
housing permits, pursuant to Comprehensive Plan Policy 601.1.12, Section 130-161(a)(4)
and Chapter 126 of the Land Development Code.
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Monroe County 2012 Comprehensive Plan Policy 601.1.12: By January 4, 1997, Monroe
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County shall adopt Land Development Regulations which may include density bonuses, N
impact fee waiver programs, and other possible regulations to encourage affordable N
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housing. N
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Monroe County Code Chapter 126—Impact Fees, Section 126-4(h)(6):Type of
Development Not Affected. ... (6)Affordable or employee housing units (as defined in
section 101-1) for which a deferred payment of impact fees has been recorded in the
chain of title.
Monroe County Code Section 130-161 Affordable and employee housing;
administration: 130-161(a)(4)The requirements of this chapter for the provision of
impact fees shall be waived for affordable and employee housing and any market rate
housing developed in accordance with subsection (a)(8) of this section.
Responsible Agency: Monroe County Building Department and Planning &
Environmental Resources Department
D. Name of Strategy: Flexibility in Densities for Affordable Housing
Established policy and procedures:
1) Pursuant to Sections 130-157 and 130-161(a)(1) of the Land Development Code, the
following density bonuses are allowed for affordable and employee housing: a
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Maximum Net Density of 25 dwelling units per buildable acre for land within an Urban
Residential (UR) land use district; a Maximum Net Density of 18 dwelling units per
buildable acre for land within a Mixed Use (MU) land use district; a Maximum Net
Density of 18 dwelling units per buildable acre for land within a Suburban Commercial
(SC) land use district; and a Maximum Net Density of 12 dwelling units per buildable
acre for land within an Urban Commercial (UC) land use district.
Responsible Agency: Monroe County Planning & Environmental Resources Department CD
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Recommendation:
The Monroe County Affordable Housing Advisory Committee will be reviewing density
bonuses as part of its tasks assigned by the BOCC.
2) Pursuant to Section 130-161(a)(5), the County allows the construction of affordable CL
housing units on commercial sites without deducting from the commercial floor area
allowed when calculating density, any existing lawfully established or proposed W
affordable or employee housing on a parcel and the floor area thereof shall be excluded N
from the calculation of the total gross nonresidential floor area). LO
Responsible Agency: Monroe County Planning & Environmental Resources Department
E. Name of Strategy: Reservation of Infrastructure Capacity for Affordable Housing
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Established policy and procedure: Monroe County prepares an annual Public Facilities N
Capacity Report.This Report indicates that there is sufficient infrastructure capacity to
accommodate the needs of County residents. N
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Responsible Agency: Monroe County Planning & Environmental Resources Department N
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F. Name of Strategy:Allowance of Affordable Accessory Residential Units in Residential
Zoning Districts
Established policy and procedure: Additions and accessory bedrooms may be permitted
on developed parcels as an accessory use/structure.The accessory use/structure must
be consistent with existing density and Rate of Growth Ordinance (ROGO) requirements
specified within the Land Development Code and the Monroe County Comprehensive
Plan. Accessory uses/structures do not include second dwelling units or any other
potentially habitable structures that are occupied by a separate and independent
resident.
Responsible Agency: Monroe County Planning & Environmental Resources Department
Recommendation:The Monroe County Affordable Housing Advisory Committee (AHAC)
will review density and affordable workforce accessory dwelling units as part of its tasks
assigned by the BOCC.
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G. Name of Strategy: Reduction of parking and setback requirements for affordable housing
Established policy and procedure: Pursuant to Sections 102-186 and 102-187, off-street
parking requirements may be granted variances if the requisite criteria can be met.
Pursuant to Section 130-189, any required off-street parking spaces may be located on
an accessory driveway within the front yard setback on a parcel developed exclusively `V
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with a residential use, provided it does not occupy more than 60 percent of the required LO
front yard setback area and any vehicle utilizing such an off-street parking space shall be
properly licensed and operable.
Responsible Agency: Monroe County Planning & Environmental Resources Department
Recommendation:The Monroe County Affordable Housing Advisory Committee will be CL
reviewing setback and variance requirements for affordable workforce housing as part
of its tasks assigned by the BOCC. W
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H. Name of Strategy:Allowance of Flexible Lot Configurations LO
Established policy and procedure: Monroe County allows flexible lot configurations to
the extent setback and buffer yard requirements are met. Pursuant to Sections 102-186 U,
and 102-187,variances to setback and buffer yard requirements may be granted if the
requisite criteria can be met.
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Responsible Agency: Monroe County Planning & Environmental Resources Department
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I. Name of Strategy: Modification of Street Requirements
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Established policy and procedure: Monroe County allows internal street configurations
that meet life-safety criteria.
Responsible Agency: Monroe County Planning & Environmental Resources Department
& Engineering Department
J. Name of Strategy: Inventory of County Owned Property Suitable for Affordable Housing
Established policy and procedures: Pursuant to Section 125.379, Florida Statutes,the
County has prepared and will continue to provide an inventory of possible sites suitable
for affordable housing. (Comprehensive Plan Policy 601.1.6)
On November 20, 2015, the Monroe County Affordable Housing Advisory Committee
reviewed and recommended an inventory to the BOCC.The BOCC will be reviewing the
updated inventory of County owned sites which may be appropriate for use as
affordable housing.
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Responsible Agency:The Clerk of Court has the list of properties approved by the Board
of County Commissioners in Resolution 299-2007. Monroe County Planning &
Environmental Resources Department.
K. Name of Strategy: Support development near transportation hubs and major employment
centers and mixed use developments
Established policy and procedures: `V
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1) Pursuant to Sections 130-157 and 130-161(a)(1) of the Land Development Code, the LO
following density bonuses are allowed for affordable and employee housing within
zoning districts that allow commercial and mixed use development: a Maximum Net
Density of 18 dwelling units per buildable acre for land within a Mixed Use (MU) land
use district; a Maximum Net Density of 18 dwelling units per buildable acre for land
within a Suburban Commercial (SC) land use district; and a Maximum Net Density of 12
dwelling units per buildable acre for land within an Urban Commercial (UC) land use CL
district.
Responsible Agency: Monroe County Planning & Environmental Resources Department N
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2) Livable CommuniKeys Plans (LCP) have been adopted by the Board of County
Commissioners for Key Largo,Tavernier, Big Pine Key and No Name Key, Stock Island,
and the Lower Keys. These LCPs identify activity centers that encourage the U,
development of affordable housing near identified mixed use and employment centers.
Proposed amendments to the Land Development Code also incorporate these areas as
community center zoning overlay districts. N
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Responsible Agency: Monroe County Planning & Environmental Resources Department N
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3) Policy 601.1.8 of the Monroe County Comprehensive Plan states: N
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If Monroe County funding, or if County-donated land is to be used for any affordable
housing project, alternative sites shall be assessed according to the following guidelines:
4. Proximity to employment and retail centers. Sites within five miles of
employment and retail centers shall be preferred. [9J-5.010(3)(c)(5)]
Responsible Agency: Monroe County Planning & Environmental Resources Department
L. Name of Strategy: Inclusionary Housing
Established policy and procedure: Per Section 130-161(b)(2) of the Land Development
Code:
a. Residential developments, other than mobile home or mobile home spaces covered
by subsection (b)(2)b. of this section, that result in the development or redevelopment
of three or more dwelling units on a parcel or contiguous parcels shall be required to
develop or redevelop at least 30 percent of the residential units as affordable housing
units. Residential development or redevelopment of three units on a parcel or
contiguous parcels shall require that one developed or redeveloped unit be an
affordable housing unit. For the purpose of this section, and notwithstanding subsection
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(b)(2)b. of this section, any dwelling unit exceeding the number of lawfully established
dwelling units on site, which are created by either a THE or ROGO allocation award, shall
be considered developed units.
b.The removal and replacement with other types of dwelling units of ten or more
mobile homes that are located on a parcel or contiguous parcels and/or the conversion
of mobile home spaces located on a parcel or contiguous parcels into a use other than
mobile homes shall be required to include in the development or redevelopment a `V
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number of affordable housing units equal to at least 30 percent of the number of LO
existing units being removed and replaced or converted from mobile home use or, in
the event the new use is nonresidential, to develop affordable housing units at least
equal in number to 30 percent of the number of mobile homes or mobile home spaces
being converted to other than mobile home use. Removal and replacement or
conversion to a different use of ten mobile homes or mobile home spaces on a parcel or
contiguous parcels shall require that three units be replaced or converted to deed CL
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restricted affordable housing.
c. In calculating the number of affordable housing units required for a particular project,
or phase of a project, all dwelling units proposed for development or redevelopment or LO
mobile homes or mobile home spaces to be converted from mobile home use since the
effective date of the ordinance from which this section is derived shall be counted. In
phased projects, the affordable housing requirements shall be proportionally allocated U,
among the phases. If a subsequent development or redevelopment is proposed
following a prior development approved on the same property as it existed as of the
effective date of the ordinance from which this section is derived,which prior
development did not meet the compliance thresholds set forth in subsection (b)(2)a. or
(b)(2)b. of this section, the requirements of subsection (b)(2)a. or(b)(2)b. of this section
shall be met as part of the subsequent development for all units proposed for
development or redevelopment after the effective date of the ordinance from whichCL
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this section is derived.
Responsible Agency: Monroe County Planning & Environmental Resources Department
Recommendation: Monroe County shall maintain land development regulations on
inclusionary housing and shall evaluate expanding the inclusionary housing
requirements to include or address nonresidential and transient development and
redevelopment based on specific data and analysis.
M. Name of Strategy: Mobile Home Park Incentive Program
Established policy and procedure: Section 130-161.1 of the Land Development Code
establishes incentives for affordable housing development by allowing the transfer of
market rate ROGO exemptions within the ROGO subarea from mobile home parks in
exchange for maintaining an equal or greater number of deed-restricted affordable
dwelling units within Monroe County.
Recommendation: Consider amending the Land Development Code to allow incentives
for a market rate unit to obtain an affordable ROGO allocation and move the market
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D.37.a
rate unit to another site through a transfer of ROGO Exemption (TRE) if the existing site
will be deed restricted for 99 years as affordable.
Responsible Agency: Monroe County Planning & Environmental Resources Department
N. Name of Strategy: Employee Housing,Commercial Apartments,and Workforce Housing as
Permitted Uses
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Established policy and procedure:The Monroe County Land Development Code LO
currently permits "Employee Housing" and/or"Commercial Apartments" in several Land
Use (Zoning) Districts where residential units are not otherwise permitted. Per Section
101-1 of the code:
Employee housing means an attached or detached dwelling unit that is intended to
serve as affordable, permanent housing for working households, which derive at least CL
70 percent of their household income from gainful employment in the county and meet
the requirements for affordable housing as defined in this section and as per section W
130-161.
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Commercial apartment means an attached or detached residential dwelling unit located
on the same parcel of land as a nonresidential use that is intended to serve as
permanent housing for the owner or employees of that nonresidential use. The term U,
does not include a tourist housing use or vacation rental use.
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Responsible Agency: Monroe County Planning& Environmental Resources Department
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Recommendation:The definition and permitted uses sections of the Monroe County
Code should be amended to incorporate the AHAC's (Affordable Housing Advisory
Committee) proposed definitions of"Workforce" and "Workforce Housing" and includeCL
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Workforce Housing as a permitted use in all zoning districts that currently permit either
Commercial Apartments or Employee Housing.The goal is to encourage Workforce
Housing within existing commercial centers and zoning districts, but to not require
Workforce Housing residents to work on the site where the housing is located.
AHAC proposed definitions: Workforce means individuals or families who are gainfully
employed supplying goods and/or services to Monroe County residents or visitors.
Workforce Housing means dwelling units for those who derive at least 70%of their
income as members of the Workforce in Monroe County and who meet the affordable
housing income categories of the Monroe County Code.
O. Name of Strategy: Purchase and Lease Back Program
Established policy and procedure:The County has a purchase and lease-back program
for affordable housing.
Responsible Agencies: Monroe County Land Development Authority; Monroe County
Housing Authority.
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MONROE COUNTY FLORIDA
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SHIP LOCAL MOUSING ASSISTANCE PLAN(LMAP) CL
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TABLE OF CONTENTS Page#
Section I: Program Details 3
Section I1: Housing Strategies
A. HOMEBUYER ASSISTANCE 7
B. HOMEOWNER REHABILITATION 9
C. HOMEOWNER DISASTER MITIGATON 10
D. HOMEOWNER SEWER LATERAL CONNECTIONS 11
E. RENTAL CONSTRUCTION/REHABILITATION 12-13
F. RENTAL DISASTER MITIGATION 14
SECTION III: Incentive Strategies
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A. Expedited Permitting 15-21 i'
B. Ongoing Review Process
C. Modification of Impact Fee Requirements
D. Flexibility in Densities for Affordable Housing
E. Reservation of Infrastructure Capacity for Affordable Housing
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F. Allowance of Affordable Accessory Residential Units in Residential Zoning Dist.
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G. Reduction of Parking&Setback for Affordable Housing
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H. Allowance of Flexible Lot Configurations
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I. Modification of Street Requirements
J. Inventory of County Owned Property Suitable for Affordable Housing
K. Support Development CL
L. Inciusionary Housing
M. Mobile Home Park Incentive Program
N. Employee Housing Commercial Apartments&Workforce Housing
0. Purchase& Lease Back Program
SECTION IV: Exhibits
A. Administrative Budget For Each Fiscal Year Covered in the Plan 22
B. Timeline for Estimated Encumbrance and Expenditure 23
C. Housing Delivery Goals Chart(HDGC) For Each Fiscal Year Covered in the Plan 24-26
D. Signed LHAP Certification 27-28
E. Signed, Dated,Witnessed or Attested Adopting Resolution 29-30
F. Ordinance: (If changed from the original creating ordinance) n/a
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I. Program Details:
A. Name of the participating local government: MONROE COUNTY, FLORIDA
Is there an Interlocal Agreement: Yes: No: X
B. Purpose of the program:
1) To meet the housing needs of the very low, low and moderate income
households;
2) To expand production of and preserve affordable housing; and
3) To further the housing element of the local government comprehensive
plan specific to affordable housing.
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C. Fiscal years covered by the Plan: 2019-2020, 2020-2021 AND 2021-2022.
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D. Governance:The SHIP Program is established in accordance with Section 420.907-9079, Florida
Statutes and Chapter 67-37, Florida Administrative Code. Cities and Counties must be in
compliance with these applicable statutes, rules and any additional requirements as established
through the Legislative process.
E. Local Housing Partnership:The SHIP Program encourages building active partnerships between CL
government, lending institutions, builders and developers, not-for-profit and community based
housing providers and service organizations, providers of professional services related to
affordable housing, advocates for low-income persons, real estate professionals, persons or N
entities that can provide housing or support services and lead agencies of the local continuums
of care.
F. Leveraging:The Plan is intended to increase the availability of affordable residential units by
combining local resources and cost saving measures into a local housing partnership and using CL
public and private funds to reduce the cost of housing. SHIP funds may be leveraged with or
used to supplement other Florida Housing Finance Corporation programs and to provide local
match to obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face to face meetings with housing providers,
social service providers and local lenders and neighborhood associations. Public input was
solicited through the local newspaper in the advertising of the Monroe County Board of County
Commissioners Meetings Agenda and the Notice of Funding Availability when applicable.
H. Advertising and Outreach:SHIP funding availability shall be advertised in a newspaper of
general circulation and periodicals serving ethnic and diverse neighborhoods, at least 30 days
before the beginning of the application period. If no funding is available due to a waiting list, no
notice of funding availability is required.
I. Waiting List/Priorities: A waiting list will be established when there are eligible applicants for
strategies that no longer have funding available.Those households on the waiting list will be
notified of their status. Applicants will be maintained in an order that is consistent with the time
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applications were submitted as well as any established funding priorities as described in this
plan. Priorities for funding described/listed here apply to all strategies unless otherwise stated in
the strategy. First priority is given to those clients who meet the 20%Special Needs definition.
J. Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to
discriminate on the basis of race,color, religion, sex, national origin, age, handicap, or familial
status in the award application process for eligible housing.
K. Support Services and Counseling: Support services are available from various sources. Available
support services may include but are not limited to: Homeownership Counseling (Pre and Post),
Credit Counseling,Tenant Counseling, Foreclosure Counseling and Transportation.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not
exceed 90%of the average area purchase price in the statistical area in which the eligible
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housing is located. Such average area purchase price may be that calculated for any 12-month
period beginning not earlier than the fourth calendar year prior to the year in which the award LO
occurs. The sales price of new and existing units, which can be lower but may not exceed 90%
of the median area purchase price established by the U.S. Treasury Department or as described
above. The methodology used is: U.S.Treasury Department
M. Income Limits, Rent Limits and Affordability:The Income and Rent Limits used in the SHIP
Program are updated annually by the Department of Housing and Urban Development and CL
posted at www.floridahousing.org. "Affordable" means that monthly rents or mortgage
payments including taxes and insurance do not exceed 30 percent of that amount which W
represents the percentage of the median annual gross income for the households as indicated in cv
Sections 420.9071, F.S. However, it is not the intent to limit an individual household's ability to
devote more than 30%of its income for housing, and housing for which a household devotes
more than 30%of its income shall be deemed Affordable if the first institutional mortgage
lender is satisfied that the household can afford mortgage payments in excess of the 30%
benchmark and in the case of rental housing does not exceed those rental limits adjusted for CL
bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and
selection criteria for applications for Awards to eligible sponsors shall be developed, which
includes a description that demonstrates how eligible sponsors that employ personnel from the
Welfare Transition Program will be given preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing,the staff and any entity
that has administrative authority for implementing the local housing assistance plan assisting
rental developments shall annually monitor and determine tenant eligibility or,to the extent
another governmental entity provides periodic monitoring and determination, a municipality,
county or local housing financing authority may rely on such monitoring and determination of
tenant eligibility. However, any loan or grant in the original amount of$10,000 or less shall not
be subject to these annual monitoring and determination of tenant eligibility requirements.
Tenant eligibility will be monitored annually for no less than 15 years or the term of assistance
whichever is longer unless as specified above.
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Eligible sponsors that offer rental housing for sale before 15 years or that have remaining
mortgages funded under this program must give a first right of refusal to eligible nonprofit
organizations for purchase at the current market value for continued occupancy by eligible
persons.
P. Administrative Budget: A line-item budget of proposed Administrative Expenditures is attached
as Exhibit A. MONROE COUNTY, FLORIDA finds that the moneys deposited in the local housing
assistance trust fund shall be used to administer and implement the local housing assistance
plan. Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states:
"A county or an eligible municipality may not exceed the 5 percent limitation on administrative
costs, unless its governing body finds, by resolution,that 5 percent of the local housing
distribution plus 5 percent of program income is insufficient to adequately pay the necessary
costs of administering the local housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code,further states: CD
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"The cost of administering the program may not exceed 10 percent of the local housing LO
distribution plus 5 percent of program income deposited into the trust fund, except that small
counties, as defined in s. 120.52(19), and eligible municipalities receiving a local housing
distribution of up to $350,000 may use up to 10 percent of program income for administrative
costs." The applicable local jurisdiction has adopted the above findings in the resolution
attached as Exhibit E.
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Q. Program Administration: Administration of the local housing assistance plan will be wholly
performed and maintained by MONROE COUNTY, FLORIDA. W
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R. Project Delivery Costs: N/A
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S. Essential Service Personnel Definition: Essential Services Personnel in Monroe County shall
include teachers and educators, other school district, community college, and university
employees, police and fire personnel, health care personnel, skilled building trades personnel; CL
full-time and part-time working persons employed in Monroe county providing services in the
construction and, real estate,finance, public and non-profit organizations, licensed professions
and trades, commercial fishing, hospitality, wholesale and retail consumer services,
transportation, and security.
T. Describe efforts to incorporate Green Building and Energy Saving products and processes:
Priority will be given to those sponsors who demonstrate innovative design, green building
principles, storm resistant construction or other elements that reduce long term costs relating
to maintenance, utilities or insurance, rehabilitation of existing homes to greatly reduce the
carbon footprint of building new homes; installation of storm shutters and high impact windows
and doors; use of recycled construction materials; installation of new energy saving rated
appliances; etc.
U. Describe efforts to meet the 20%Special Needs set-aside:The Monroe County SHIP office in
conjunction with Monroe County Social Services, utilize their existing applicant list in addition to
continuous advertising on the Monroe County website for ongoing homeowner rehabilitation
funding countywide. There has been a continuous demand for funding.
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V. Describe efforts to reduce homelessness: The SHIP program provides owner occupied
rehabilitation assistance to the extremely low, very-low, low and moderate income clients of the
county reducing the risk of those homeowners becoming homeless.
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Section II. Housing Strategies:
A. H WEBUYER ASSISTANCE 2
a. Summary of Strategy: Funding assistance for the purchase or construction of a
single-family, residential, owner occupied property, including condominiums
and townhouses.
b. Fiscal Years Covered: 2019-2020, 2020-2021 AND 2021-2022
C. Income Categories: Very Low, Low and Moderate
d. Maximum award: $45,000
e. Terms:
1. Deferred Loan: Secured by a recorded note and mortgage CD
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2. Interest Rate: 0%
3. Term: Thirty (30)years
4. Forgiveness: N/A— Full loan amount due at maturity
5. Repayment: None due as long as the loan is in good standing.
6. Default: The loan will be due and payable in full upon maturity,
payment in full of the first mortgage, sale, rental or transfer of the
property, failure to comply with the terms of the SHIP mortgage, loss of CL
homestead exemption or death of the last surviving homeowner. In the
event of the death of the last surviving homeowner, any income eligible W
heir residing in the home may assume the SHIP Loan as long as they can N
obtain title to the entire property within one (1) year of the death of the
last surviving homeowner and the first mortgagee consents to the
assumption of their loan.
f. Recipient Selection Criteria: Eligible applicants will receive assistance on a "First
CL
Qualified, First Served" basis. Applicants who have been determined to be
income eligible for program assistance will be placed on a waiting list according
to their income.
Applications for Homebuyer Assistance must include:
1. A contract for purchase of an existing housing unit or one under
construction. An "under construction" housing unit shall be defined as
having a building permit and pilings/foundation complete and inspected.
2. A lending institution pre-qualification letter for the amount to be financed
which may assume up to a $45,000 SHIP loan.
3. An affidavit from the Seller in the event this is a unit under construction,
indicating the delivery date of the housing unit(cannot be more than five
months from the date of the SHIP approval).
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Applicants who fail to submit complete applications, who do not meet SHIP
threshold requirements or cannot close due to financing or any other
reason, may not reapply for SHIP assistance until the following application
cycle.
g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: Buyer(s) must contribute a minimum three percent (3%)
of the sales price as a down payment. Property must meet minimum health and
safety standards as defined under the U.S Department of Housing and Urban
Development's, Housing Quality Standards (HQS). Any HQS deficiencies must be
corrected prior to or as part of the purchase transaction. In the case of new
construction, a Certificate of Occupancy (CO) may be substituted for the HQS
inspection. Mortgage loans to public entities, which retain ownership of the
land under the terms of a ground lease, shall extend to the improvements. CD
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The home must be financed with a federally insured financial institution. In the
event other financing methods are utilized and approved by the SHIP
Administrator or assigned personnel, the SHIP Note and Mortgage must be a
first mortgage.
SHARED APPRECIATION PROVISION: All SHIP funds under this strategy are CL
subject to a mortgage that shall contain recapture provisions which provides for
shared appreciation between the buyer(s) and the Monroe County SHIP W
Program. The amount due Monroe County upon sale, refinancing or transfer of N
the property shall be calculated by adding the sum of the principal balance of
the SHIP loan and 50% of the appreciated value. The appreciated value shall be
the difference between the original purchase price and the sales price less any
real estate commission, less the value of any permitted improvements and less
reasonable closing costs. Housing units constructed utilizing Affordable Housing
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Permits which restrict appreciation in the housing unit's value, shall not be
subject to the Shared Appreciation Provision.
ASSUMPTION OF EXISTING SHIP MORTGAGES: Existing SHIP Homebuyer
Mortgage Loans may be assumed in order to enhance the owner occupied
property's marketability and avoid the loss of existing affordable housing units
when the current appraised value is equal to or less than the original purchase
price and must be recommended by the SHIP Program Coordinator and
approved by the SHIP Program Administrator.
Existing SHIP Homebuyer Mortgage Loans of Not-For-Profit Homeownership
Developer units may be assumed for the balance of the term of the existing loan
by new very low and low income qualified homebuyers. Transfer of title to the
new homebuyers must be completed within a period that does not to exceed six
(6) months after repayment by the existing homeowner.
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D.37.b
B. HOMEOWNER REHABILITATION I Code 3
a. Summary of Strategy: Funding assistance for owner occupied housing
rehabilitation, with/or without leveraging with the Weatherization Assistance
Program.
b. Fiscal Years Covered: 2019-2020- 2020-2021 - 2021-2022
c. Income Categories: Very Low, Low and Moderate Income
d. Maximum award: $35,000.The first$20,000.00 in funding is a grant.
e. Terms:
1. Deferred Loan : Secured by a recorded note and mortgage
2. Interest Rate: 0% c=
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3. Term:Twenty(20) years
4. Forgiveness: N/A- Full loan amount due at maturity
5. Repayment: None due as long as the loan is in good standing. m
6. Default:The loan will be due and payable in full upon in the event of,
rental, sale or transfer of the property before the maturity date, failure m
to comply with the terms of the SHIP mortgage, loss of homestead
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exemption, or death of the last surviving homeowner. In the event of
the death of the last surviving homeowner,any income eligible heir
residing in the home may assume the SHIP Loan as long as they can CD
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obtain title to the entire property within one (1) year of the death of the
last surviving homeowner and the first mortgagee consents to the
assumption of their loan.
f. Recipient Selection Criteria: Eligible applicants will receive assistance on a "First ca
Qualified, First Served" basis. Applicants who have been determined to be CL
income eligible for program assistance will be placed on a waiting list according
to their income classification.
g. Sponsor/Developer Selection Criteria: N/A
h. Additional lnformation:N/A
For the purpose of this strategy,the standard for rehabilitation is defined as
those improvements necessary for the subject unit to meet the U.S. Department
of Housing and Urban Development's Housing Quality Standards (HQS). All
households receiving rehabilitation assistance under this strategy are not
eligible for additional SHIP funding for a period of three (3)years from closeout
of grant/loan.
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D.37.b
C. HOMEOWNER DISASTER MITIGATION I Code 5
a. Summary of Strategy: Funds will be awarded to owner occupied homeowners to
make hurricane related or other disaster repairs for which an emergency or
disaster has been declared by executive order signed by the President or
Governoras a result of the disaster.
b. Fiscal Years Covered: 2019-2020-2020-2021- 2021-2022
C. Income Categories: Very Low, Low and Moderate
d. Maximum award: $35,000
e. Terms:
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1. Deferred loan: Secured by a recorded note and mortgage N
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2. Interest Rate: 0%
3. Term: Ten (10) years
4. Forgiveness:The loan balance will be forgiven during years six (6)
through ten (10) at the rate of twenty(20) % per year.
5. Repayment: None due as long as the loan is in good standing.
6. Default: The outstanding loan balance will be due and payable in full
upon the rental, sale or transfer of the property, failure to comply with CL
the terms of the SHIP mortgage, loss of homestead exemption or death
of the last surviving homeowner. In the event of the death of the last
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surviving homeowner, any income eligible heir residing in the home N
may assume the SHIP Loan as long as the heir can obtain title to the
entire property within one (1)year of the death of the last surviving
homeowner and the first mortgagee consents to the assumption of
their loan.
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f. Recipient Selection Criteria: Applications processed on a "First Qualified, First
Served" basis..
g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: For the emergency repairs under this strategy,
emergency repairs are defined as those repairs to damages resulting from a
disaster that pose an immediate health and safety hazard to occupant(s).
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D.37.b
D. HOMEOWNER SEWER LATERAL CONNECTIONS Code 9
a. Summary of Strategy: Funding assistance for sewer lateral connections for
owner occupied properties, to include condominiums and townhouses.
b. Fiscal Years Covered: 2019-2020- 2020-2021 - 2021-2022
C. Income Categories: Very low and Low Income
d. Maximum award: $8,000
e. Terms:
1. Deferred loan: Secured by a recorded note and mortgage _
2. Interest Rate: 0%
3. Term:Ten (10) yearsLO
c®
4. Forgiveness: Full loan amount at maturity
5. Repayment: None due as long as the loan is in good standing.
6. Default: The outstanding balance shall be due and payable upon
maturity or in the event of rental, sale, transfer, or failure to comply
with the terms of the SHIP mortgage, loss of homestead exemption or
death of the last surviving homeowner. In the event of the death of the
last surviving homeowner, any income eligible heir residing in the home CL
may assume the SHIP Loan as long as they can obtain title to the entire
property within one (1)year of the death of the last surviving
homeowner and the first mortgagee consents to the assumption of
their loan. "9
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f. Recipient Selection Criteria: Applications processed on a "First qualified, First
Served" basis.
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g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: N/A
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D.37.b
E. RENTAL CONSTRUCTION/REHABILITATION I Code 21
a. Summary of Strategy: Funds provided for the construction or rehabilitation of
affordable housing units.
b. Fiscal Years Covered: 2019-2020- 2020-2021 - 2021-2022
b. Income Categories: Very Low, Low and Moderate
d. Maximum award: $40,000 per unit
e. Terms:
1. Deferred loan: Secured by a recorded note and mortgage.
2. Interest Rate: 0%- not-for-profit entities, 3%-for-profit entities
3. Term: Fifteen (15) years.
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4. Forgiveness: Not-for-Profit entities, full loan amount forgiven at
maturity. For-Profit entities, full loan amount due at maturity.
5. Repayment: None due as long as the loan is in good standing.
6. Default: Due and payable in full upon sale or transfer of the property or
failure to comply with the terms of the SHIP Rental Monitoring
Agreement or Land Use Restriction Agreement (LURA). SHIP set aside
units assisted under this strategy must maintain rents that do not CL
exceed the rent maximums published annually by the Florida Housing
Finance Corporation. SHIP recipients that offer rental housing for sale
within fifteen years of the SHIP award must give a right of first refusal to N
eligible non-profit organizations for purchase at the current market
value for continued occupancy by eligible persons.
f. Recipient Selection Criteria: Eligible residents will be selected on a "First
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Qualified, First Served" basis. CL
g. Sponsor/Developer Selection Criteria: Priority will be given to those sponsors
demonstrating innovative design, green building principles, storm resistant
construction or other elements that reduce long term costs relating to
maintenance, utilities or insurance.
Priority#1 shall be to provide funding for the preservation of Assisted Housing
Units. The tiebreaker within Priority#1 shall be the lowest SHIP per unit cost.
Priority#2 Applications proposing the rehabilitation of existing affordable rental
units, ranked in the following order:
2a. Proposing the longest period of affordability
2b. Serving very low-income tenants
2c. Serving substantially (%)very low-income tenants
2d. Serving low-income tenants
2e. Serving substantially (%) low-income tenants
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D.37.b
2f. Serving moderate-income tenants
The tiebreaker shall be the lowest SHIP per unit cost.
Priority#3 Applications proposing the creation of the new rental units by
construction or rehabilitation, ranked in the following order:
1a. Proposing the longest period of affordability
1b. Units serving very low-income tenants
1c. Units serving substantially (%) very low-income tenants
1d. Serving low-income tenants
1e. Serving substantially (%) low-income tenants
1f. Serving moderate-income tenants
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The tiebreaker shall be the lowest SHIP per unit cost.
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h. Additional Information: All entities funded under this strategy will be required
to execute a SHIP Rental Monitoring Agreement and Land Use Restriction
Agreement(LURA)for a minimum term of fifteen (15) years.
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D.37.b
F. AFFORDALE RENTAL UNITS- DISASTER MITIGATION Code 16
a. Summary of Strategy: Funds provided for deed restricted and/or affordable rental
units to make hurricane related or other disaster repairs for which an emergency or
disaster has been declared by executive order signed by the President or Governor
and which have an approved local housing assistance plan to implement a local
housing assistance strategy, consistent with ss. 420.907-420.9079,for
b. repairing and replacing housing damaged as a result of the disaster.
b. Fiscal Years Covered: 2019-2020-2020-2021- 2021-2022
c. Income Categories: Very Low, Low and Moderate
d. Maximum award:$35,000
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d. Terms:
1. Deferred loan: Secured by a recorded note and mortgage
2. Interest Rate: 0%
3. Term: Ten (10)years
4. Forgiveness:The loan balance will be forgiven during years six (6)
through ten (10) at the rate of twenty(20) % per year.
S. Repayment: None due as long as the loan is in good standing. CL
6. Default: The outstanding loan balance will be due and payable in full
upon the rental, sale or transfer of the property, failure to comply with
the terms of the SHIP mortgage, or death of the last surviving property
owner. In the event of the death of the last surviving property owner,
any income eligible heir may assume the SHIP Loan as long as the heir
can obtain title to the entire property within one (1)year of the death of
the last surviving property owner and the first mortgagee (if applicable)
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consents to the assumption of their loan. First priority will be given to CL
Special Needs Applicants.
f. Recipient Selection Criteria: Applications processed on a "First Qualified, First
Served" basis.
g. Sponsor/Developer Selection Criteria: Priority will be given to those sponsors
demonstrating innovative design, green building principles, storm resistant
construction or other elements that reduce long term costs relating to
maintenance, utilities or insurance and, to provide funding for the preservation
of Assisted Housing Units, proposing the longest period of affordability for very
low, low and moderate income clients.
h. Additional Information: For the emergency repairs under this strategy,
emergency repairs are defined as those repairs to damages resulting from a
disaster that pose an immediate health and safety hazard to occupant(s).
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D.37.b
III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives
with the policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3)for affordable housing projects are expedited
to a greater degree than other projects.
Established policy and procedures: The Monroe County Year 2010 Comprehensive Plan
and Land Development Code establish procedures for expediting the development of
affordable housing projects.The County is allowed to issue 197 building permits
annually, and of these permits,the County sets aside 71 permits for affordable housing.
Any unused allotment of permits for affordable housing is rolled over and accumulated
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in subsequent years. Note,the BOCC transmitted a Comprehensive Plan amendment to
make all affordable housing allocations available immediately(no longer need to LO
distribute 71 allocations per year) to expedite the use/availability of affordable
allocations. Adoption is anticipated in early 2016.
Provide a description of the procedures used to implement this strategy: Affordable
housing permit applications are not required to go through the competitive ROGO (Rate
of Growth Ordinance) process. Additionally, any development order or development CL
permit for affordable housing receives priority in processing and review of applications
and permits, per Section 9-2(b) of the Monroe County Code. W
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Responsible Agency: Monroe County Building Department and Planning &
Environmental Resources Department
B. fume of the Strategy: Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations and plan CL
provisions that increase the cost of housing prior to their adoption.
Established policy and procedures:
1. Section 9-3 of the Monroe County Code states: All ordinances, policies,
resolutions, regulations, and comprehensive plan provisions (regulations)that may
affect the cost of housing including those regarding infrastructure, permitting, impact
fees, or development process and approvals shall be reviewed by the growth
management director,the planning director,the building official and the finance or
budget director.The assessment shall evaluate whether the new regulation does, in
fact, affect the cost of housing including affordable housing. Such evaluation shall be
addressed in the staff report to the board of county commissioners.
Responsible Agency: Monroe County Assistant County Administrator, Monroe County
Planning& Environmental Resources and Monroe County Building Department
2. The County allows applicants to apply to the Board of County Commissioners to
waive building permit application fees for affordable housing (Section 6-108(e), Monroe
County Code).
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D.37.b
Responsible Agency: Monroe County Building Department
3. The adopted Fee Resolution for the Planning& Environmental Resources
Department provides that there shall be no application or other fees, except advertising
and noticing fees, for affordable housing projects, except that all applicable fees shall be
charged for applications for all development approvals required for any development
under Sec. 130-161.1 (Transfer of ROGO Exemptions from Mobile Home Parks) and for
applications for variances to setback, landscaping and/or off-street parking regulations
associated with an affordable housing development.
Responsible Agency: The Monroe County Planning and Environmental Resources
Department and Monroe County Building Department
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Other Incentive Strategies Adopted:
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C. Name of Strategy: Modification of Impact Fee Requirements
Established policy and procedure: The County waives impact fees for all affordable
housing permits, pursuant to Comprehensive Plan Policy 601.1.12, Section 130-161(a)(4)
and Chapter 126 of the Land Development Code.
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Monroe County 2012 Comprehensive Plan Policy 601.1.12: By January 4, 1997, Monroe
County shall adopt Land Development Regulations which may include density bonuses, W
impact fee waiver programs, and other possible regulations to encourage affordable
housing.
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Monroe County Code Chapter 126—Impact Fees, Section 126-4(h)(6): Type of
Development Not Affected. ... (6)Affordable or employee housing units (as defined in
section 101-1)for which a deferred payment of impact fees has been recorded in the
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chain of title.
Monroe County Code Section 130-161 Affordable and employee housing;
administration: 130-161(a)(4) The requirements of this chapter for the provision of m
impact fees shall be waived for affordable and employee housing and any market rate
housing developed in accordance with subsection (a)(8) of this section.
Responsible Agency: Monroe County Building Department and Planning&
Environmental Resources Department
D. fume of Strategy: Flexibility in Densities for Affordable Housing
Established policy and procedures:
1) Pursuant to Sections 130-157 and 130-161(a)(1) of the Land Development Code,the
following density bonuses are allowed for affordable and employee housing: a
Maximum Net Density of 25 dwelling units per buildable acre for land within an Urban
Residential (UR) land use district; a Maximum Net Density of 18 dwelling units per
buildable acre for land within a Mixed Use (MU) land use district; a Maximum Net
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D.37.b
Density of 18 dwelling units per buildable acre for land within a Suburban Commercial
(SC) land use district; and a Maximum Net Density of 12 dwelling units per buildable
acre for land within an Urban Commercial (UC) land use district.
Responsible Agency: Monroe County Planning& Environmental Resources Department
Recommendation:
The Monroe County Affordable Housing Advisory Committee will be reviewing density
bonuses as part of its tasks assigned by the BOCC.
2) Pursuant to Section 130-161(a)(5),the County allows the construction of affordable
housing units on commercial sites without deducting from the commercial floor area
allowed when calculating density, any existing lawfully established or proposed
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affordable or employee housing on a parcel and the floor area thereof shall be excluded
from the calculation of the total gross nonresidential floor area). LO
Responsible Agency: Monroe County Planning& Environmental Resources Department
E. Name of Strategy: Reservation of Infrastructure Capacity for Affordable Housing
Established policy and procedure: Monroe County prepares an annual Public Facilities CL
Capacity Report. This Report indicates that there is sufficient infrastructure capacity to
accommodate the needs of County residents. W
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Responsible Agency: Monroe County Planning& Environmental Resources Department
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F. Name of Strategy:Allowance of Affordable Accessory Residential Units in Residential
Zoning Districts
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Established policy and procedure: Additions and accessory bedrooms may be permitted
on developed parcels as an accessory use/structure. The accessory use/structure must
be consistent with existing density and Rate of Growth Ordinance (ROGO) requirements
specified within the Land Development Code and the Monroe County Comprehensive
Plan. Accessory uses/structures do not include second dwelling units or any other
potentially habitable structures that are occupied by a separate and independent
resident.
Responsible Agency: Monroe County Planning& Environmental Resources Department
Recommendation:The Monroe County Affordable Housing Advisory Committee (AHAC)
will review density and affordable workforce accessory dwelling units as part of its tasks
assigned by the BOCC.
G. Name of Strategy: Reduction of parking and setback requirements for affordable housing
Established policy and procedure: Pursuant to Sections 102-186 and 102-187, off-street
parking requirements may be granted variances if the requisite criteria can be met.
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D.37.b
Pursuant to Section 130-189, any required off-street parking spaces may be located on
an accessory driveway within the front yard setback on a parcel developed exclusively
with a residential use, provided it does not occupy more than 60 percent of the required
front yard setback area and any vehicle utilizing such an off-street parking space shall be
properly licensed and operable.
Responsible Agency: Monroe County Planning& Environmental Resources Department
Recommendation:The Monroe County Affordable Housing Advisory Committee will be
reviewing setback and variance requirements for affordable workforce housing as part
of its tasks assigned by the BOCC.
H. Name of Strategy:Allowance of Flexible Lot Configurations
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Established policy and procedure: Monroe County allows flexible lot configurations to LO
the extent setback and buffer yard requirements are met. Pursuant to Sections 102-186
and 102-187,variances to setback and buffer yard requirements may be granted if the
requisite criteria can be met.
Responsible Agency: Monroe County Planning& Environmental Resources Department
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I. Name of Strategy: Modification of Street Requirements
Established policy and procedure: Monroe County allows internal street configurations cv
that meet life-safety criteria.
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Responsible Agency: Monroe County Planning& Environmental Resources Department
& Engineering Department
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J. Name of Strategy: Inventory of County Owned Property Suitable for Affordable Housing
Established policy and procedures: Pursuant to Section 125.379, Florida Statutes,the
County has prepared and will continue to provide an inventory of possible sites suitable
for affordable housing. (Comprehensive Plan Policy 601.1.6)
On November 20, 2015, the Monroe County Affordable Housing Advisory Committee
reviewed and recommended an inventory to the BOCC. The BOCC will be reviewing the
updated inventory of County owned sites which may be appropriate for use as
affordable housing.
Responsible Agency:The Clerk of Court has the list of properties approved by the Board
of County Commissioners in Resolution 299-2007. Monroe County Planning&
Environmental Resources Department.
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D.37.b
K. Name of Strategy: Support development near transportation hubs and major employment
centers and mixed use developments
Established policy and procedures:
1) Pursuant to Sections 130-157 and 130-161(a)(1) of the Land Development Code, the
following density bonuses are allowed for affordable and employee housing within
zoning districts that allow commercial and mixed use development: a Maximum Net
Density of 18 dwelling units per buildable acre for land within a Mixed Use (MU) land
use district; a Maximum Net Density of 18 dwelling units per buildable acre for land
within a Suburban Commercial (SC) land use district; and a Maximum Net Density of 12
dwelling units per buildable acre for land within an Urban Commercial (UC) land use
district.
Responsible Agency: Monroe County Planning& Environmental Resources Department
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2) Livable CommuniKeys Plans (LCP) have been adopted by the Board of County LO
Commissioners for Key Largo,Tavernier, Big Pine Key and No Name Key, Stock Island,
and the Lower Keys. These LCPs identify activity centers that encourage the
development of affordable housing near identified mixed use and employment centers.
Proposed amendments to the Land Development Code also incorporate these areas as
community center zoning overlay districts.
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Responsible Agency: Monroe County Planning& Environmental Resources Department
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3) Policy 601.1.8 of the Monroe County Comprehensive Plan states:
If Monroe County funding, or if County-donated land is to be used for any affordable
housing project, alternative sites shall be assessed according to the following guidelines:
4. Proximity to employment and retail centers. Sites within five miles of
employment and retail centers shall be preferred. [9J-5.010(3)(c)(5)]
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Responsible Agency: Monroe County Planning& Environmental Resources Department
L. Name of Strategy: Inclusionary Housing
Established policy and procedure: Per Section 130-161(b)(2) of the Land Development
Code:
a. Residential developments, other than mobile home or mobile home spaces covered
by subsection (b)(2)b. of this section,that result in the development or redevelopment
of three or more dwelling units on a parcel or contiguous parcels shall be required to
develop or redevelop at least 30 percent of the residential units as affordable housing
units. Residential development or redevelopment of three units on a parcel or
contiguous parcels shall require that one developed or redeveloped unit be an
affordable housing unit. For the purpose of this section, and notwithstanding subsection
(b)(2)b. of this section, any dwelling unit exceeding the number of lawfully established
dwelling units on site, which are created by either a THE or ROGO allocation award, shall
be considered developed units.
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D.37.b
b. The removal and replacement with other types of dwelling units of ten or more
mobile homes that are located on a parcel or contiguous parcels and/or the conversion
of mobile home spaces located on a parcel or contiguous parcels into a use other than
mobile homes shall be required to include in the development or redevelopment a
number of affordable housing units equal to at least 30 percent of the number of
existing units being removed and replaced or converted from mobile home use or, in
the event the new use is nonresidential, to develop affordable housing units at least
equal in number to 30 percent of the number of mobile homes or mobile home spaces
being converted to other than mobile home use. Removal and replacement or
conversion to a different use of ten mobile homes or mobile home spaces on a parcel or
contiguous parcels shall require that three units be replaced or converted to deed-
restricted affordable housing.
c. In calculating the number of affordable housing units required for a particular project,
or phase of a project, all dwelling units proposed for development or redevelopment or
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mobile homes or mobile home spaces to be converted from mobile home use since the
effective date of the ordinance from which this section is derived shall be counted. In
phased projects, the affordable housing requirements shall be proportionally allocated
among the phases. If a subsequent development or redevelopment is proposed
following a prior development approved on the same property as it existed as of the
effective date of the ordinance from which this section is derived, which prior
development did not meet the compliance thresholds set forth in subsection (b)(2)a. or CL
(b)(2)b. of this section,the requirements of subsection (b)(2)a. or(b)(2)b. of this section
shall be met as part of the subsequent development for all units proposed for W
development or redevelopment after the effective date of the ordinance from which cv
this section is derived.
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Responsible Agency: Monroe County Planning& Environmental Resources Department
Recommendation: Monroe County shall maintain land development regulations on CL
inclusionary housing and shall evaluate expanding the inclusionary housing
requirements to include or address nonresidential and transient development and
redevelopment based on specific data and analysis.
M. Name of Strategy: Mobile Home Park Incentive Program
Established policy and procedure: Section 130-161.1 of the Land Development Code
establishes incentives for affordable housing development by allowing the transfer of
market rate ROGO exemptions within the ROGO subarea from mobile home parks in
exchange for maintaining an equal or greater number of deed-restricted affordable
dwelling units within Monroe County.
Recommendation: Consider amending the Land Development Code to allow incentives
for a market rate unit to obtain an affordable ROGO allocation and move the market
rate unit to another site through a transfer of ROGO Exemption (TRE) if the existing site
will be deed restricted for 99 years as affordable.
Responsible Agency: Monroe County Planning& Environmental Resources Department
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D.37.b
N. Name of Strategy: Employee Housing, Commercial Apartments, and Workforce Housing as
Permitted Uses
Established policy and procedure:The Monroe County Land Development Code
currently permits "Employee Housing" and/or"Commercial Apartments" in several Land
Use (Zoning) Districts where residential units are not otherwise permitted. Per Section
101-1 of the code:
Employee housing means an attached or detached dwelling unit that is intended to
serve as affordable, permanent housing for working households, which derive at least
70 percent of their household income from gainful employment in the county and meet
the requirements for affordable housing as defined in this section and as per section
130-161.
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Commercial apartment means an attached or detached residential dwelling unit located LO
on the same parcel of land as a nonresidential use that is intended to serve as
permanent housing for the owner or employees of that nonresidential use. The term
does not include a tourist housing use or vacation rental use.
Responsible Agency: Monroe County Planning& Environmental Resources Department
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Recommendation:The definition and permitted uses sections of the Monroe County
Code should be amended to incorporate the AHAC's (Affordable Housing Advisory W
Committee) proposed definitions of"Workforce" and "Workforce Housing" and include
Workforce Housing as a permitted use in all zoning districts that currently permit either
Commercial Apartments or Employee Housing. The goal is to encourage Workforce
Housing within existing commercial centers and zoning districts, but to not require
Workforce Housing residents to work on the site where the housing is located.
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AHAC proposed definitions: Workforce means individuals or families who are gainfully
employed supplying goods and/or services to Monroe County residents or visitors.
Workforce Housing means dwelling units for those who derive at least 70%of their m
income as members of the Workforce in Monroe County and who meet the affordable
housing income categories of the Monroe County Code.
0. Name of Strategy: Purchase and Lease Back Program
Established policy and procedure:The County has a purchase and lease-back program
for affordable housing.
Responsible Agencies: Monroe County Land Development Authority; Monroe County
Housing Authority.
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D.37.b
EXHIBIT A
LHAP 2020-2021-2022
MONROE COUNTY
Fiscal Year: 2019-2020
Estimated Allcocation for Calculating: $ 350,000.00
Salaries and Benefits $ 25,000.00
Office Supplies and Equipment $ 3,000.00
Travel Per diem Workshops, etc. $ 2,500.00
Advertising $ 2,000.00
Counselling $ -
Other* $ 2,500.00LO
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Total $ 35,000.00 0.1
Fiscal Year: 2020-2021
Estimated Allocation for Calculating: $ 350,000.00 E
Salaries and Benefits $ 25,000.00
Office Supplies and Equipment $ 3,000.00
Travel Per diem Workshops, etc. $ 2,500.00
Advertising $ 2,000.00 W
Counselling $ - N
Other* $ 2,500.00
Total $ 35,000.00 0.1
Fiscal Year 2021-2022
Estimated Allocation for Calculating: $ 350,000.00
Salaries and Benefits $ 25,000.00
Office Supplies and Equipment $ 3,000.00
Travel Per diem Workshops, etc. $ 2,500.00
Advertising $ 2,000.00
Counselling $
Other* $ 2,500.00
Total $ 35,000.00 0.1
*All "other" items need to be detailed here and are subject to review and
approval by the SHIP review committee. Project Delivery Costs that are
outside of adminsitrative costs are not to be included here, but must be
detailed in the LHAP main document.
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D.37.b
EXHIBIT B
LHAP 2020-2021-2022
Timeline for SHIP Expenditures
MONROE COUNTY: affirms that funds allocated for these fiscal years will meet the following deadlines:
Fiscal Year Encumbered Expended 1"Year AR 2"d Year AR Closeout AR
2019-2020 6/30/2021 6/30/2022 9/15/2019 9/15/2020 9/15/2021
2020-2021 6/30/2022 6/30/2023 9/15/2020 9/15/2021 9/15/2022
2021-2022 6/30/2023 6/30/2024 9/15/2021 9/15/2022 9/15/2023
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If funds allocated for these fiscal years is not anticipated to meet any of the deadlines in the table above,
Florida Housing Finance Corporation will be notified according to the following chart:
Fiscal Year Funds Not Funds Not V Year AR 2"d Year AR Closeout AR
Encumbered Expended Not Not Not
Submitted Submitted Submitted CL
20119-2020 3/30/2021 3/30/2022 6/15/2020m 6/15/2021 6/15/2022
2020-2021 3/30/2022 _ �3/30/2023 6/15/2021 6/15/2022 6/15/2023
2021-2022 3/30/2023 3/30/2024 6/15/2022 6/15/2023 6/15/2024
Requests for Expenditure Extensions(close-out year ONLY) must be received by FHFC by June 15 of the CL
year in which funds are required to be expended. The extension request shall be emaile to
- - r and include:
ert C M �`.�uff fl f idalk 1 3,in r L d 4s.� 7 a�`� t�fICS a�$�€E�� � �
1. A statement that "(city/county) requests an extension to the expenditure deadline for fiscal
year
2. The amount of funds that is not expended.
3. The amount of funds that is not encumbered or has been recaptured.
4. A detailed plan of how/when the money will be expended.
Note: an extension to the expenditure deadline(June 30)does not relieve the requirement to submit
(September 15) the annual report online detailing all funds that have been expended. Please email
when you are ready to "submit"the AR.
Other Key Deadlines:
AHAC reports are due for each local government by December 31 of the year prior to the local
government's LHAP being submitted. Local governments receiving the minimum or less allocation are not
required to report.
PAGE: 23
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D.37.b
EXHIBIT D
LHAP 2020-2021-2022
CERTIFICATION T
FLORIDA, HOUSING FINANCE PO T N
Local Government: MONOE COUNTY, FLORIDA
(1) The local government will advertise the availability of SHIP funds pursuant to Florida
Statutes.
(2) All SHIP funds will be expended in a manner which will insure that there will be no
discrimination on the basis of race, creed, religion, color, age, sex, familial or marital
status, handicap, or national origin.
LO
(3) A process for selection of recipients for funds has been developed.
(4) The eligible municipality or county has developed a qualification system for applications -�
for awards.
(5) Recipients of funds will be required to contractually commit to program guidelines. CL
(6) The Florida Housing Finance Corporation will be notified promptly if the local
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government (or interlocal entity) will be unable to comply with the provisions the plan.
(7) The Local Housing Assistance Plan shall provide for the expenditure of SHIP funds
including allocation, program income and recaptured funds within 24 months following
the end of the State fiscal year in which they are received.
CL
(8) The plan conforms to the Local Government Comprehensive Plan, or that an amendment
to the Local Government Comprehensive Plan will be initiated at the next available
opportunity to insure conformance with the Local Housing Assistance Plan.
(9) Amendments to the approved Local Housing Assistance Plan shall be provided to the
Corporation with in 21 days after adoption.
(10) The trust fund shall be established with a qualified depository for all SHIP funds as well
as moneys generated from activities such as interest earned on loans.
(11) Amounts on deposit in the local housing assistance trust fund shall be invested as
permitted by law.
(12) The local housing assistance trust fund shall be separately stated as a special revenue fund
in the local governments audited financial statements, copies of the audits will be
forwarded to the Corporation as soon as available.
PAGE: 27
Packet Pg. 1487
D.37.b
(13) An interlocal entity shall have its local housing assistance trust fund separately audited
for each state fiscal year, and the audit forwarded to the Corporation as soon as possible.
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
(15) Developers receiving assistance from both SHIP and the Low Income Housing Tax
Credit (LIHTC) Program shall comply with the income, affordability and other LIHTC
requirements, similarly, any units receiving assistance from other federal programs shall
comply with all Federal and SHIP program requirements.
(16) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to service eligible persons.
(17) Rental Units constructed or rehabilitated with SHIP funds shall be monitored at least
N
annually for 15 years for compliance with tenant income requirements and affordability C14
requirements or as required in Section 420.9075 (3)(e) LO
(18) The Plan meets the requirements of Section 420-907-9079 FS, and Rule Chapter 67-37
FAC, and how each of those requirements shall be met. .E
(19) The provisions of Chapter 83-220, Laws of Florida has or® ®has not
been implemented. CL
It
r'
X — v Xg -
Witness Y_ hief Elect fficial or desig W e
X X C V v +0CL
j (�
Witness Type Name and title
r
Date
OR
NO OE COO 0 ICE
'1!P7ArPA4(aYVED
A �
ASSISTANT UNTY A17ORNEY
44-.T...... C-,EPU"1-Y CLERK
PAGE: 28
Packet Pg. 1488