Item U10 Co �� � .�� , BOARD OF COUNTY COMMISSIONERS
Mayor David Rice,District 4
The Florida Keys Mayor Pro Tem Craig Cates,District I
y Michelle Coldiron,District 2
James K.Scholl,District 3
Holly Merrill Raschein,District 5
County Commission Meeting
Judy 203 2022
Agenda Item Number: U.10
Agenda Item Summary #10821
AD'11I) ON111"111'EM 17,,,,,10
BULK ITEM: Yes DEPARTMENT: Social Services
TIME APPROXIMATE: STAFF CONTACT: Sheryl Graham (305) 292-4510
N/A
AGENDA ITEM WORDING: Approval of a Resolution of the Board of County Commissioners
of Monroe County, Florida, approving the Local Housing Assistance Plan (LHAP) as required by the
State Housing Initiatives Partnership (SHIP) Program Act, Subsections 420.907-420.9079, Florida
Statues; and Rule Chapter 67-37, Florida Administrative code; authorizing and directing the Mayor,
County Administrator, or his designee, to execute any necessary documents and certifications
needed by the State; authorizing the submission of the LHAP for review and approval by the Florida
Housing Finance Corporation (FHFC); and providing an effective date.
ITEM BACKGROUND: The Monroe County SHIP Program is established in accordance with
Section 420.907-9079, Florida Statues and Chapter 67-37.07 Florida Administrative Code. The
creation of the LHAP is for the purpose of meeting the housing needs of the very low, low, and
moderate income households, to expand production of, and preserve affordable housing, and to
further the housing element of the local government comprehensive plan, specific to affordable
housing.
PREVIOUS RELEVANT BOCC ACTION: BOCC approval on 11/17/2020, of 2ad Amendment to
LHAP 2020-2022, revised 4/15/2020, Homebuyer Strategy amended language.
CONTRACT/AGREEMENT CHANGES:
N/A
STAFF RECOMMENDATION: Approval
DOCUMENTATION:
LHAP 23-25
Backup LHAP NOV AMEND
FINANCIAL IMPACT:
Effective Date: 07/01/2022
Expiration Date: 06/30/2025
Total Dollar Value of Contract: 0
Total Cost to County: 0
Current Year Portion: N/A
Budgeted: Yes
Source of Funds: N/A
CPI: N/A
Indirect Costs: N/A
Estimated Ongoing Costs Not Included in above dollar amounts: N/A
Revenue Producing: No If yes, amount:
Grant: N/A
County Match: N/A
Insurance Required: N/A
Additional Details:
REVIEWED BY:
Sheryl Graham Completed 07/12/2022 8:34 AM
James Molenaar Completed 07/12/2022 9:35 AM
Purchasing Completed 07/12/2022 9:42 AM
Budget and Finance Completed 07/12/2022 2:46 PM
Brian Bradley Completed 07/12/2022 2:48 PM
Lindsey Ballard Completed 07/14/2022 10:41 AM
Board of County Commissioners Pending 07/20/2022 9:00 AM
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FLORIDAWON ROE L"'OUNTY,
SHIP LOCAL HOUSING ASSISTAN CE PLAN (LHA,P')
20211 —2
.
FI(:)i,r'ida` Housing
Table of Contents
Description Page M
..........
Section 1,,, Program De,tails3
C.DISASTER RELIEF
DMOMEOWNER SEWER LATERAL CONNECTION 13
E.AFFORDABLE RENTALR,EHIABIL,ITATI �N/CO,NISTRUCT'llIlOiN �
F.AFFORDABLE RENTALRELIEF
G.
Section 1111, Inc,entive,Strategies
A. Expedited Permitting, 17
. Ongoing Reiview Process 17-18
C. Other,Ongoing i e Strate,gies 1 2
Exhibits
. r i �s � iv Budget r� fiscal year r� i n I � . 2
Timeline,e for Estimated Encumbrance and Expenditure
Co l! s*' �i r ,Is Chart C) For I 'seal Year
Covered in the Ia � 3 -3;�
Signed LHAP Certification
E. Signe,di, dated, witnessed or attested adopting resolution,
„
N/A
F. Ordinance: i changed,, r iirigi l c rea i ord°rn
G. i nte r"I oca I Ag rye m e n
SV11P LHAP 2022-2025
jt,,',,JTO,dive Date 7/11202,111
Florda"" �Ilousii"19,
Program Details:
Name of Local Government -1--MONROE COU'N!'TY_,FLORIDA
............
Does thils LHAP contain an interlOcalagreement? NO
If yes, name of'other local govern menit'(s)
B., Purpose o:,f the prograrn;
0 To meet the housing needs ofthe very lowl, to and moderate-income households.
0 To expand production of and preserve affordable housing; and
0 To further the, housing ellement, the local government comprehensive plan specificto,afforclable housing.
C. Fiscal years covered by the, Nan! 2022-2023, 2023-2024, 2024-2025,
IDN' Governance:'the SHIP Program iselistablifished in accordance with Section 420.907-19079, Florida Statutes and
Chapter 67-37, Florida Administrative,Code. Cities and Counties,must:be in compliance with these applicable
statutes,, rut es and any addlitional requirements as established through the Legislative process.
E. Local Houis-Ing Partnership:-,The SHIP Program enco,ura,ges building active, partnerships betwelen government:,
community-based hou�s ing providers,and
ten di n g i nsti Wtions, bu i l ders anddeveliopers,, not�
service,organizations, providers of professional services related to afforclable housing, advocates for low-
income persons,, real estate, prof essilonals, Persons or entities that can provide housing or support services
,and lead agencies of the local conflinuums,of care.
F. Levera * I
g 1 n 1. 11
The Plan is intended to increase theavailability of afford'able res"denit'al units by combining local
rep ocur cesand costsaving measures,inn to a local housing partnership and using publlac and private funds to
reduce the cost of housing. SHIP,funds, may be leveraged with or us,edi to supplement other Floriida Housing,
Fi ince Corporation programs and to providle local match to obtain federal housing graints or,programs.
G. Public:Input- Pubhc input wa�is solicited through face- -fare meetings,with housing providers, social service
providers and local' lenders and neighborhood associations. Public input was, solicliteld throe gh the loical
newspaper in the advertising of the,, Local" Housing Assistance Plan and the Notice,of'Funding Availability.
H. Advertis,ing andl Oultreach: SHIP funding availability shall be advertised in a newspaper ofgeneraf, circulation
and periodicals,serving ethnic and diverse neighborholods,at least 30 days,before the beginning of the
a ppl Icati o n pe riod. I f nof u ncl i ng,is,ava i I a bl e id ue to a wa in diet, n,10 notice of fund i ng,ava i I a bi I ity i s req u i red
1 Walting L,']*Ist/P,rl*�or"I"'t'l'es.-,A waiting list will ble established 'when there,air e eligible applicants for strategies,that
no, longer have funding available. Thuse,, households on the,waiting list,will be notified of their Status.
Ap
'th the time completed applications were plicants will be maintainied in an order that "s consistent w],
submitted as well as any established funding prion'ties,as described in this plan.
,�,3, -
SMPL"AP 20,22-2025
I
JE ffo c(i ve Da te 7/11202 11
Fto r i cia""",`H o usi i"i g
The fol1owing priorities,for funcling (very low incorne,,Specia] Needs, etic.)diesicri bed/l is"ed, here apply to all
6
strategies untess otherwise stat n ied, in andividual strategy in Section I
ow-In l 'll have first priority for fun di in
Special Needs Need' ., 3 and
s (4200004,,(1 )) e'er Lcome Appicants ill ing
aI st ra teg i e,s
i In,accordance with the provilsions, of ss.760.20-7610,371, it "s unlawful to,discriminate on the D I s c r I m 1i n a ti on.�,
basis of race,color., religion, sex, national origin, age, handicap, or marital status in theaward applicattion,
process for eligible housing.
K. Support Serv*tces and Counselling Support services are available from various sources,, Avall able,supplort
services,may include,, but are not limited to: Homeownership CounsellIng(Pre and Post),,Credit Counselling,
Tenant Counseling, Forecliosur,e Counseling a,ncl'Transportaition.
L., Purchase Pr[ce Ulm"itst'the sales price or value of new or existing etilgIble, housing may not exceed 90%,ofthe
average area purchase price,In the statistical airea, in which the eligible housing''is located. Such average area
purchase price may be that,calculated for an rrr eriod 'beginning not.earlier than the fourth at radar
year prior to the,year, in which the award occurs., The sales, prilce of new and existing units,which can,be
lower,but may notexcleed 90%of the average area purchase,, price established by the U.S.Treasury
Department or as described above,
The methodology,used Is''.
U.S. Trea,sury Department X
Locat HFA Numbers
M. IIfncome Limits, Rent Limits andlAffordabifity!The Income and Rent Limits used inthe SHIP Prograrn are
upidalted annuafly by the Department of Housing and Urban Development and posted,pit
www.fliorldlahousmg.or
Nfordable'means that monthly,rents or niortgage pay mants,including taxes and insurance do not exceed
310 percent of that amount which,,represents the percento'ge of median annual gross-,incomef6r the
households as t'ndka ted in Sections 420.90711, F.S. However, it,i's no t the,In tin tto limit an individual
household's ability to,devote,more than 30''YO of,its in,comefbr housing and hous'Ingfbir,which a household
devotes more than 30%9f its incomesholl be lee if the first institu"tional m oftgage tender is
satisfied that the household'can afford mortgage payment's in excess of the 30%benchmark and in the core
of rentalhous'I''ng does not exceed those rentol limits,adjustedfor bedroom size.
Nk Welfare T'ransliflon Program,; Should an eliglible sponsor be, used', a qualification system and selection criteria
for applic,at ion sfor Award's to eligible sponsors,shawl l be dievelloped, which includes a description that
demonstrates how eligible sponsors that employ personnel from the,Welfare Transition Program will be given
preference, in the,s,election process.
04, MonitioHing,and Hirst Righ fusia] 11n the case olf rental housing,the st,affand any entity that, has
administrative authority for implementing the loca] housing assistance plan assisting, rental developments
shall annually monitor and determine tenant eligibility or,,to the,ex,tent another governmental entity provides
4,
SHIP LFIAP 2022-2025
J'Effeefi,ve Date 7/11/202 I'l
Florid la""'HOUSIng
Periodic rnionitoiring,and &termination, a municipality, county, or local housing financing authority may relly
on such,monitoring and determination of tenant eligibility, However, any loan or grant inthe original amount
of$10,000 or,less,shiall not be sub,,ject,to these annual monitoring and determination of"tenant eligibility
requirements. Tenant eligibility will be monitored aninually for no Iless than '15 years oir,the term, of ass"t'stance
whichever, is,longer unless aisspecjlfiedab ore., Eligiblesponsors that offer,rental housing for sale before 15
Year's or,that have remainingrnortgagesfunded under this program must dive lafirst rightofrefusallto
eligible nog refit organizations for purchase at the current market venue for continued occupancy,by e1lglbte
persons.
P n lstrat 1 1ne it budget is attached as Exhibit,A. The city/county finds that,the mioli ney s. Adm'l ' 'lve Budget:, A 11 -11
deposited i n the lo,c,ia I housing ass,11staince trust fu nd are neicessary to,administer and'i'm pliement the local
housing assifstance plan®
Sectl*on,420.9075 Flonodia Statute and'Chapter 67-37,Floi,rida Administrative Coide,states.- "'A county or on
eligible mu,nicipahty may not exceed the 5,percent 11,M)"totion on administrative costs,,, unless its giolverntng
bodyfinds, by resolution, that 5percent of the/ocal housing distribution plus 5 percent,of progrlom income,is
insuf Ilousing assistance plan.
,ficientl,to adequately,pay,thenecessary costs of administering the local h
Seii .975Floe au anidCpter6 , F ' A i 4 furthers ta tes.' The cost,
9f administering the prograrn may,not exceed 10 percent of the local housing di'stribution p/lus 5 percent of
program incomel d'eposited into the trustfund, except that sma/1 counties, as,defineidin, s., 1120.52(19) nd'
eligib,le rriunt"cipall't'ies,receivl'ng a local housing d1stributio,n of'up to$3,50,0010 troy,use up to, 10 percent p
progrom income,for administrative costs."The app lico blelocaljuri l has aidled the above,findings i'n
the resolution atticicheid as Exhibit E.
Q. Program AdIm*16"stration- Administration of mmmtmm.hile local!housing assistance plian wfll be performed by:
E'nt*lty Duties Admin. Fee
Percentage,
...................
LocaI Government M on ro e Co u my So a I Se rvice s Depa rtm ent 10%
Third Party E'ntit,y/',Sub-recipi��_,_".,_,_._
R. First-time Homebuyer Definitlionl: For any strategies designed for first-time homebuyers,the,foillowing
definition wJ11 appty- An Indivili'dual who has had no(ownership in a principal residencedufing the,3-year period
ending,on the date of'purichose of the property. This includes a spouse (if either meets the above test,, they are
considered first-time homebuyers),,A single pvrent who hi as,only owned a home with a former sp,ouse while
m m' d'. A n individual who 4' a displaced h,o,m emaker and has only owned with a,spouse. A n,i"ndivi'dual wh o
a e I'S
,has o,nly,lowneda principalresi'dence not permanientlyaffixeld to a permanentfoundatio,ni'lin accordance with,
It
applicable regulations. An, individual who has only,owned'a property that was not in,coni I Once with state,,,
loca/ormicidel building codes, on,d which cannot be brought t'nto,comp/liancefor less than the cost of
constructing a permanent,structure.
sm, Pr *ect Delivery Costs,: Must state the specific s
01 trate&5 and the specific activities thiat will be chwiged asa PDC State
the,percentage andlor maxi rn dollar amount,, NIA
T. Essent"I'all Service Personnel Deflniftio,n(ESP): ESP includes teachers and ed,ucators,, other schlooldistrict,,
5 -
'UP I HAP 2,022-202-5
I'Lffective Date 7/11/2,0211
Horida" �-iouslrlg
it college, a n,'ve,�rs,,l l s, police and fire p(ersonnef, health care personnel, and skilled
co,mmun
building tracles personnel.
U. Descrlb�e efforts,to incorporate Green Buijldli and roducts and'processes.-,
Priority will begivento those sponsors who demonstrate innovative design,,green! bull'ding principles, storm
resis,tant ,construction or other elements "that reduce long term costs rellating to mzintei ance, utilitlies or
insurance, rehabilitation of existing homies to greatly reduce the carbon footp,rint of building new homes;
installatfon of'storm shutters and Wgh pact windows and doors,; use of recycled,construction m:aterials-1
installation of new energy,saving rated app(lion ces; etc®
VO, Describe effortsito,meet the 20%Sped''a] Needs set-aside: The Monroe County SHIP offs e in conjunction
with Monroe County Social Services, utflize their existing applicaint list,in addition to continuous adv,ertising,on
t he M on roe Co u nty we bs ite,for on,go i ng h o m eowne r re ha bil itati o n fu ndi,ng co u ntywi'dei-,
W. Desz,rib�e efforts,to reduce homelessness-.,The SHIP program provides owner occupied rehabilitation
assistance to,the extremely low,very 11ow, low, and rnoderate income c[lients of"the nth,re cin he r1sk of
those homeowners becomIng homeless.
Section 11. LHAP Strategies (Please rea4 LHA,P Strategy Quick Guide before developing strategi'les).
,- 6 -
S 1,1111"LF1 A,P 2 022-202 5
1 Llfe c t ive Da te 7,/1/20 2 1
'*e'l-IOUSing
FlaidJ"',
A. H2OMEBUYER ASSISTANCE Code 1
----7..........
a,, Summary of Strate,gy: Funding assistance for,the purchase or constr ing,le-fam i ,
residential,, owner-occupied pro,perty, including ciondominijum and townhouses.
b, Fiscal Years,Covered. 2,022-2023, 2023-2024, 2,024-2025
C., Income Catego,ries to be served"Very low, low and moderate
d. Maximum award: $45,000.00
e Te rm s 1.
1,. Deferred Loan.- Selo; re by a recorded nolte and mortgage
2, tnterest, Rate., 0%
I Years in loaril term: 30
4. Forgiveness: N/A
5y e.,payment. None due,as long as the, loan is,in good standing.
6. Default,, The,toan will! be due and payable infull upon maturity, Ipayment infullof the first mortgage',
sale, rental or,transfer of the property, failure to(clomiply with'the terms,of the SHIP mort,gage, loss of
lon rect or death of the last surviving h,omeowner. In the event of the
homestead exempt ,i fo
death of the last surviving homeowner, any income eligible heir residing in the home, m,,ay ass the
SHIP Loan as long,as they can obtain title to the,eintire property within nine (1)year of the death of the
last surviving homeowner and the,first m,ortgagee consents,to the assumption of their loan.
In the event of divorce by the,oiccupants marr'Jed to each other, and after title has been vested,as
long as one ofthe original owners rernains,on title and has, homestead exemption, the party
remaining 111,!n the home shall be considered in compliance,with the existing SHIP terms and con,ditions.
Recipient/Ten ant Selection Criteri'a.: Eligible applicants will receive assistance, on a "First Qualified, First
Served" basis. First priority will be given to Special Needs Applicants. Applicants who have been
determined to be income eligible for program assistance will be plaiced on a waiting 11staccording to their
i
inclome.
Applications for, Homebuyer Assistance must, include:
1, A contract for purchase of an existing houlsing unit o,r one under construction. An
"under,construction" housing unit',shall be defineld as, having a building permit and
pilings/foundati,on c,ornpletie and inspectied.
2, A,len,ding institution pre-qualification letter for the amount to, be financed which may
assume ulp'to a$1,45,000 S,HIP loan.
� 7 m
SFUP L"Al 3 20,22-2025
1 E ffec,fi'v e,Da te 7/1/2 02 1,1
F
oL,,iisirig
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3. An affidavit from the Seller in the,event is isa un,it under construction indicatin,g
I I
the delivery date of'the housing unit,(cannot be more, thanfive months frorn the,date,
of the SHIP approval,).
Applicants who fail' to submit complete applications, who do not meet SHIP threshold
i requirements or cannot to due to financing or any other reason, may not reapply for
SH I P a ssista nce, unt i I th e fo 1I owi ng a p p I i catl o n cyc le.
Splonsor Selection Criteria: N/A
9'
h. Add"tional Information: Buyer(s) mulst contribute a m4nim,um three percent(3%)of the sales pricle asa
clash contribution to the�, purchase, The 3%can be comprised of title insurance, appraisals, inspections
,and/or closing costs. Property must meet minimum health, and safety st'andar�ds as defined under,the U.S
Department of Hbasing and Urban Devellopment's, Housing Quality Standards ("HQS). Any HQ,S
deficiencies must be cotrrected prior to or as part of the, purchase transaction. In the case of new
construction,, a Certificate of Occupaincy,(CO) may,be substituted fore he HQS inspection. Mortgage, loans
to Public entities, which retain,owners,hi p, ofthe land under the,terms, of a ground lease,, shall extendto
the imp rove rnents.
Homes must be financed with a fiederally insured fit anti a,! institution, with the exception of Habitat 'for
Humanity units. In the event other, financing methods are utilized and approved by the, SHIP
Administrator, or assigned persionnel, the SH1P Note and Moftgage must be held as a first Mortgage (in
first position.
SHARED APPREC(ATION PROVIS]OU: All SHIP fundS, Unider 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, Program. The arnount due Monroe County upon sale,, refinancing or transfer of'the
property, shall be calculated by adding the sal m of the, principal bailance of the SHIP loan and 50% of the
appreciated value. The appreciated valu ill be the, difference between the, origlInal purchase price and,
the sales price,, less any real estate commission, less, the value, of any, permitted impro,vements, and less
reason,able dosing costs,. Housing units, constructed utilizing Affordable Housing Permi which restrict
appreciation of the, housing unit's va]ue, shall not be subjecItto thie Shared Appreciation Provision.
MS I UIVIPTJON OFEXISTIING SHUP IV11ORTGAGES, Existing SHIP Homebuyer Mortgage Loans imay,be,
A J� 41P
assumed in ord'er,to enhance the owner-occup*ed property's marketabi ity and zi,voidthe loss of existing
affordabIe housing units ire the cuurrent appraised value is equal to or less than the purchase prIce and
use be recommended by the SHIP Sr., Administrator and approved by the SHIP P,rogram Administrator.
Exis,tin H IP Homebuyier Mortgage, Loans of Not-For-Profit Homeownership Developer units, may, be
S
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 mus,t be completed within a period that does not
to exceed six(6) months afteir repayment by the existing homleownier.
� 8 m
SHIP 11114HAP 2022-2025
t
I E ffe C,thre Da t e 7/11/2'02 t 1,
doe' '
F I o rid"a'HO Ll St,rig
-—----------
B., HOMEOWNER REHAB11LITATION Code 3
su�t
nirnary: Funcling assistanice for owner oc,cupied, housing, rehabilitation, with/or wilthoult
leveraging with he Weatherization AssIstance Pro,gr,am.
b. Flisca] Years Covered: 2022-20230, 20,23-2,024, 2024-2025
C. Income Categories to be served.Very low, low,and moderate
d. Maxi'mum award: $35,000.00
e" Terms:
L Repayment loan/deferred loan/grant. Deferred payrnent loan,secured by a recorded note and
mortgage
2. Interest Rate: 0%
11 an term: Twenty(20)years
I 'Years, *n lo
1. Fo rgive ness: The lo,a n ba lance wi I I be forgive n d u ri ng yea rs te n (10)th ro ugh, twe nty (20)at the rate of
ten(10)% per year.
Forgiven at maturity.
54 nt: Nores as long as the loanis iri gxood,,standling.
6. Default., The loan will be due and payable in full u1poin in theelvent of, rental, sale, or transfer of the
property before the maturity date, failurie, to comply with the,terms of the SHIP,mortg 1 age, loss of
homestead exemption,foreclosure,or death of the last,survivin,g homeowner. In the event of the-
death of thie last,surviwng homieowner,a�ny income efi th
gible heir re in the home mi,ay assume e
SHE Lo,an, as long as they cain obtain titlie, to,the entire property within one (1)year of the death ofthe
last"surviving,homeowner and the first mortgagee consents to flee assuniption, of their loan.
In'the,event of'divorce, by the occupants married to each other and after tide Kas been vested o
11 , J so I ing
as, one of th,e or,iglinal owners remains on title and has iomelstead,exierniption,the party rem,ain ing ire
'the, home, shall be clonsidered in compliance with the existing terms and conditions
f, Eligible applicants w'll receive assistance on,a "'First,Qualified, First Served" basis.,Special Needs, and'Very
Low-Inclorne AppIlicant's will have first pribrity,for funding'. Appli cants who have, been determined to be
incorne edig "ible for,program assistance will be pined in a walting list according to their income
c I a s s i f i ca ti'o n.,
g., Recipient/Tenant Selection Critena N/A
h Sponsor Selection Criteria.- N/A
i Additional Information,: For the purpose ofthis,strategy,,, the standard for rehabilitation is defined asthose
imipro verve nts necies,sary,for the subject unitto meet the U.S., Department of Housing and Urban
Development's Housing Quality Standards, (HQS). All households receiving rehabilitation assistance under
W 9 -1
SHIP LHAP20,22-2025
I Eff'ective, Da te 7/1/20211
""""I''I�",
Flanda,
t hil s Strategy a re not e I IgIlb le,fo r,a dd it io n a I SHI P f u nd i ng for a pe rl od of th ree (3),ye a rs fram closeo ut of
grant./loan.
10
S H I IP L 11A P2 022�20 2 5
I[I'Te c t I v e 1)at e 7/1,12 0 2,11
Florida" IOLISIng,
ChN, D.15,ASTER,RELIEF Code, 5,, 16
..................
a., Summary,: Funds will be awardedto owner occupied homeowners,and/or clisplaced
individuals to,provide sir rnediate disaster relief', repair of existing homes or purchase
assistance required to purchase or replace demolished homes as a result of an em,ergency
or disaster which has been declared by,executive or signed by the,President of the
�U n ited Sta tes,of Am,e rica o r th e G ove rn or,of t he State of F Io ri da.
This strate i
,gy will only be funded and implemented in the event of a disaster using
any funds that havie not yet been encurnbered or with add[flo na I disaster fundis
allocated by Florida Housing Financle Corporation, SHIP disaster fun,ds,miay be used
for items such as, but not, limited to:
(a) Purchase ofemmergency supplies for eligible, households to weatherproof'.
(b) Purchase and/or replacement housing unIt,
(c) I nte rim repairs to avo 1 d f u rthe r,clamagell; tree a nd de bris re molva 1 req u it to
maklethe individual housing unit habitable,;
(d) Construction of wells or repair of existing wells where, public,water,is, not,
available-
(e) Payment of ins rand deductibles for rehabilitation of homes covered under
homeowners' insurance policies,;
(f) Security deposit for,eligible recipients that have been dispil,aced from their
homes due to dis,aster;
(g) Rental asststaince for eligible reciplents,that have been displaced from therr
homes due to dlisaster.,
(h) Any strategy included in the approved' LHAP that benefit appl I itants directly
affected by the decla red disastier.
(i) Other activities as, proposed by Monroe COUnty and approved by the, Florida
Housing Finance,Corporation.
b. Fiscal Years Covered: 2 22-20,2 1 -2024,) 2024-.2,025
C. Income Categori'es to be slerved: Very low,, low, and m,oderalte
d Maximum aw ark. $35,000
e. Terms:
2. R,epayment loan/deferred llo,an, grant: Secwed by a recorded note and mortgage
3. Interest" Rate- 0%
4. Years in loan term:-. 'Ten (10)
5., Forgiveness-,The loan balance will be forgiven during years,six (6)through ten (10) at the, rate of
twenty(20) % per year.
SHIP LHAV 2022-2025
1 LMt t[vv Da te 7/1/20211
Florida d'HousIrig
6., Re payrn e rat: No rye,due as lo ng a s th e lo a n i's Ji n good sta�nd i Ing.
T Default:, The outstanding,loan balance will be clue,a�nd pay'abIle Un full upon the rental,sale or transfer
of the proplerty,failure to comply with the terms of the SHIP mortgage, loss of homestead exempt,ion
or,dleath,of the last surviving horneowner. In the event ofthe, death ofthe la�st surviving, horneown,eir,
any,income,,eligible heir residing in the home may,as,sumye the SHIPloan as long Maths it can obtain
title tothe entire pry perty,w nth in one (1) ear of the death of the la survi'ving homeowner and the,
first mortgagee consents to the assumption of their loan.,
In the eve,nt of divorce by the occupants married to each other and after t1fle, has,been vested, so long
one of the original owners remains on title and has homestead exemption, the, party r,emainingin
the home shall be, considered in compliance with the existing terms and conditions.,
Redpienit,/Tien Sele,c It"on,Criter 1IIs processe,d "First Qualified, F'irs,t Served" bas,is.
91 Sponsor Selection Criteria N/A
h. Additional Ins i .El'ig"l"blie, cols,ts 'nclude all hard a,nd soft costs ass,lociatel with the, rehaubilitatlo,n of
the, property.
12 -
S11 I P MA P 2022-2025'
11,11fec ti've 113 te 7111,1202,11
a"""' 0 UIS 11-1 g
D. HOMEOWNER SEWER LATERAL CMINECTION Code 3,
.. .........
a. Summary: Funding assistance for sewer lateral connections for owner occupied properties,,,to
k
include condominiums and townhouses.
b. Fiscal Year's Covered- 21022-2023, 2,0123-2,024, 2024-2025
C14 Income Categioriestio be served: Very low and Low
Maximum award: $8,000,00
Term,s.
1. Repayment loan/deferred Ioan/grant:-. Secured by a recordeld note anid mortgage
2. Interest Rate: 1%
3. Years in, loan term Ten (10)
4. FoirgiVeness: Forgiven at rnaturity
5. Repayment: None due as liong as,the loan i's in good, standiing.
6. DefaUlt': The outstanding balance shall be due and payable, upon rental,, sale, transfer,,, or faiture to
com,plywith the terms,of the SH I P mortgage, lioss,of ho,m�e stew d exemption,foreclosure,or death of
the last surviving homeowner. In the event of the, deathi ofthe last surviving, ho gel owner, anyincomei
eligible heir residing in the homie may assume the SHIP Loan as, long as,they cans!obtain title to"the
entire property within one (1)year of the death ofth�e last'SUrviving hioit eowner and the first
mortgagele consents,to the assumption of their loan,.
ln'the event of divorce by the occupants,mzrrilled to each other and after tifle has been vests d, so long
4
as one,ofthe original owners remains on itle and has homestead exemption,the party remaining in
the home shall be considered in compliance with the existing terms and conditi'ons,
f. Recipient/T enant Selection Criterial: Applications, proices,sed on a ""First qualifield,, H r Served"' basis.
9. Sponsor Selection Criteria: N/A
Additional Information: NIA
13 -
P I
sffll 14,H[ All"12022-2025,
[FJfecfivv Date 7/1/2,02111
.Aoe
Florid"JI Housiri�g
E. AFFORDABLE RENTAL CONISTRUCT4ON/REHABILIT'A ION
Code 14, 21
----7------------------------
a. Summary: Funds prov uct ehabi i
ided for the on or rlitaton of affordable rental housing units.
b. Fiscal Yle,a rs Cove red: 2022-2023, 2023-202412024-2025
C. Incorne Categories to be served: Very low, low, and moderate
d,, Maximum award: $40,000.00 per unit
e, Terms.-
L Repayment loan/cleferredloan/granit, Deferred, payment loan secured by a recorded, note and
m o rtga,g e.
2. Interest, Rate: 0%. Non-Profit—,3%, For'
3. Years in loan term-. ifteen (15)
4. For givenes,sl lNot-for-Prolfit erg tlities, full loan amount"'forgiven at maturity. For-Profit entities, full loan
arniount due at matunty.
5 Repayment: No clue as long as the I is,, in good standing
6. Default: Due,and p,ayablle in full( upon sale or,transfer of the proplerty or failure to comply with the
terms of"the SHIP Rental, Monitoring Agreemie nt or Land Use, Restriction Agreement(LU RA). SHIP set
aside units, assistled under this,strategy must,maintain rents that do not exceed the rent maximums
published annually by the Flor'da Housing Finance Corporation. SHIP recipients that offer rental
ho usi ng,fo r sa le w it hii n f iftee n yea,r's of the S H I P,al,wa rid m ust give a rig ht of fl rst riefusai I to e I igJ bl e no n-
profit it izatilons for purchase at the current market value for continued occupancy by,eligible
persons,,
Recipient/Tenant Selection Criteria: Eligible riesidents will, be selected on a "First Qualified, First Served""
bas,is.
those sponsors demonstrating,Sponsor/Sub-ireciplent Selection Criteria. Priority wil] be given to
i nnovative deli n,,gree n bu j,ld i ng 'rind p les,sto rm, resi sta nit co n,st rug cti o n o r ot he r ele me nts th at re du ce
Ion
,g term sts relating to maintenance, utilities, or I insurance,,
Priority#1 shal] be to providefunding for the,preservation of'Assisted Housing Units. The,tlebre,aker
within Priority#1 shall bethe lowest SHIP per unit cost'.
Priority#2 Applications, proposing the rehabilitation of existing affordable rental units, rainked lini the
following oirder.-
2a., Pry p,osing the longest period of affordability
2b. Serving viery low-incolme tenants
� 14 ,"
SHIP HIP LHAP 2022-2025
11 E Ifec tj v e Da Ile 7/1/202 1,1,
Fl or i da' il o us i ng
2c. Serving substantially(%) very low-,in �nts
Serving '-inc tenants
2e,,. Serving subst,antially(%) low-income tenants,
2f. Se rvilng moderaite-income,tenaints
The tj �reaker shall be the lowest SH I P per unit cost..
Prionty#3 Applications,proposing the creation ofthe new rerital unfits by construction or rehabilitation, ranked in
the,foll,owin, order;,g
1 a. Proposing the longest period of a da bil 11ty
1 b. Units,serving very low-incorn,e tetiants
1C* Units serving substantially (%)very lowinicomie tenants
id. Serving low-incom,etenants
le. Serving substantially(1%) low-income tenants
if 4' Serving mod�erateincome tenaiints
'The tiebreaker shall be the lowest SHIP per unit cost,,
h. Add4t ion al Informallon- All entities,funded under this,strafe fll be required to execute a SHIP Rental
M on,ito ri ng Ag relerne nitend Land U se Restrial o n Agreern e nt(LUI RAli for a m 1 ri�1 m u m term of'f iftee n (I 5)
yea r's.
15 -
S HI PLH AP2022-2025
I E 1"fer ti v e Da(e 7/1/20 2 1,1
,mile
1"'Ing
AFFORDABLE RENITAL DISASTER RELIEF de 16
..........
a. Sum,ma ry: F u nd s w i I I be provided for the� reha b I I itatio n of affo rda bl e rental u,n its affected by a
disaster as declared by executive order signed by the President or Governor,.
b. Fiscal Years Covered,- 20222023,2023-2024�20,24-2025
C. ln,co(m" e Categories to be served: Very loll,w,l low, and moderate
id. Maximurn award: $35,000.00 per,unit
e. Terms
1. Repayment lo,an/cleferred loan/grant� Deferred payment loan secured by a recorded note,and
mortgage and Land Use, Regulations Agreement.
,2. Interest Ratef 0,%
113 Years in loan t,e,rm-. Fifteen (15)
4. Forg�iveness: The loan balance will be forgiven at maturity.
5. Repayment: None due,if the loan is in,golod standing.
,6. Default: Principal and interest shall be due upon the, sale or transfer of the property. If du ring the,
affordability period the property is sold or transferred��to an el"gible nonprofit organization approved
by the County that agrees to e,xelcute allSHIP loan documents for the affordability period originailly
ified, no paymient is due on the loan.
sp,ed
Retiplent/Tenant Selection Critena":Tenants,well be processied!on a "'Firsit Qualified, First Served"' blaslis.
9. SponsorSelection Criteria:.� Priority will be, given to non-profit sponsors,,who ow,n deed and in,clome
4
restricted pr n n operties ire of repair as a result of adisasterfor the preservation of assisted housling
units and long-term affordability for very low, low,and moderate income tenants,
h, Additional Information-Eltgible costs include all hard and soft costs,assoc 11 lated with the rehabilitation of
the property.
16
S1,41P IoHAP2022-202,15 5'
[Effeclivie Da,te 7/11/20,21]
Flondial I-Iou�slng
LHAP Incentive,Str,ategies
In addition, 'to the required Incentive Strategy A, and Strategy B, include all adopted in,centives
I
with the policies and procedures used fair implementation as provided in Section 420.9,076, FS.:
A,. Name of theSitratleg,yi': Exped(ted Permitfling,
Plermits as defined in s. 1,63.31,77 (6) (f), (3) for afford�able housing, projects are expeclited
M
to a greater degree than other projects.
Established polscy and procedures.- 'The Monroe Counity Year 2030, Comprehensive Plan
and an Development Code and! Code of' Ordinancesestablish procedures fir expecliting
the,cl�eivelloprnea �fforclable housing projects.
Provid'e, a description of the procedures used to implement this, striate,gy: Affordable
housing permi't applications are not, requ I ired to go through the competitive ROGO (Ra,te,
of Growth i Ordnance), process. Additionally, any development order or development
Pe
i
rm l t for, affordable houi�ng s recereceivesprilority iin proces ndvi
sing ja reew, of applications
and permits,, per,Section 9-2(b) of the Monr bunty Code.
Responsible Agen nroe County Builldling, Department and Planning & Env,ironrniental
Resources Department
Ss
B01 Name of theStrategy: Ongoing ReView Proce
An ongoing process for, review of local poItcies,,, ordinances, reguliations,, and plian
pro0sions trust increase the, cost of housing prior to their,adolptilon.,
Established policy and proicedures.,1,
S,eiction 9-3 of the Moinroe County Code slaties": All ordinances, Policies, res,ownilons,
reiguilat ins,, and' comprehensive plan provis"lons (regulations, hat rn,ay affect the, cost
of housing including those regarding Infrastructure,, permilitting, impact fees, or
development process and approvals shiall be, reviewed by !the growth managernent
d1rectlor, thie plannIng director the, building official and the finance or budget directior.
The asseSsment, shall evaluate whether the inew regulation does, in fact, affect the
cost of housing including, affordable housing. Such evaluation shall be addressed 'in
the staff riepilort to the board of countycommissioners,
Responsible Agency-,' Monroe, County Planning & Environmental fResiources and
Monroe County, Building Department
SHIP LHAP 2022-2025
JEfftxtive Date 7/1120211
Floilda'"'O"' JOLJSI'n�g
2. The County allows, applicants to apply to the Board of County Commissibners, -to waive
bullding permit application feles for affoirdable housing (Sectiolin 6-108(e), Monroe
County Code).
RiesponsibIe Agency: Mbnrioe County Building Department
3. The adopted Fee Resolution for the Planning & Environmental Resources Department
proOdes that there, shall be, no, application or other fees, exclept advertising and
nofilcing fees, for affordable housing projects,, except thalt, ajlll applicable fees shall! be
charged for,applications for all development approvals, required for any d'evelopime raw
t
under Sec. 139-2(b) (Tian s r of ROGO, Exemptions from Mobile Home, Parks) and for
applications f-or viari'ances to setback, landscaping and/or off-street p(arking
regulations assodated with an affordable hous'ing clevelopment.
ResponsIble Agency- The Monr ur IPlianning and Environmental Resources
Department and Monroe County, Building Department
Othuer Incentive Strategies Ad�opted'::
C. Narne of'Strategy',: Modiis of Impact Fee Requirements
Estab,hshed policy and procedure: The County waJves, impact, fees for all afforclable
I I
housing permits uant, purs to Comprehionsive Plan Po 12llicy 601.1, Section 1,39®1
and, Chapter 126,of the Land Development Code.,
Monroe, County Comprehensive Plan Policy 601,1,12: Monroe County sh,al'! annually
monitor the efigibility of thie occupants, of housing unlits which have received ,spade l
benefits, including but not, lirnited to those Issued under the affordable houstng
j
provisions speciftea i n the Land Development, Code, or those, 'issued through the Permit
A :n the lloc ation System., I cc pants no longer meet the efigibi i
lity, criteria specified
Plan and lb the Land Development Cocle, and theIr efi ibility period has not expired,
he Monroe County may take any,one or a combination of the following actions:
1. requl'ire the payment of[Impact fees, if they were, waived,
2. proceed with remedial actions through the Department of Code Com,plitance, as,, a
violiation olfthe Monroe,, County Cocle,-
1 to civil court action ais authorized by statute, common law, or via agreemen't
between an applicant and the County., and/or
requ*re the sale or rental old the unit(s) to, eI11:g' 1D' 11e, occupants.,
Monroe County, Code Chapter 126 — Impact Feels, Sectlon 1_26-4(h)(6): Type of
I
Development Not Affecteid., (6) Affordable or employee hous,'ing units as definedf in
18 -
SHIP LHAP2022-2025
lEff"ective Date 7/11/2.02,11
'lot"icId 'H,o,,,Ljslr,lg
section 101-1), for is a cleferred payment of impact fees has, been recorded in the
chainof ti�tte.
Monroe County Code Section 1,39-1, Affordable and employee housing; administratton:
13,94(b)(4) The requitriern,ents of this Land Development Code for the provision of impact
I
fees shall be waived for affordable and employee housing and any market rate housing
developed 'in accordance with subsection (b)(8)( of this section.
Responsible Agency: Monroe County Building Departmentand Planning & Environme rital
Resources Department
"I illity 'n Dens"fiesfor,AffoMab!e Hausi'ing,
Dim, Name of Strategy I Flexib I I I
Established poll icy and prolicedures:
1) Pursuant to Sections 130-157 and 1391(b)(1) of the Land Development Code, the
following density bonuises are aill' wed for affordable and employee. houstng: a
Maximum Net Density of 25 dwelling, un its per buildable acre for land within an Urban
Residential (UR) land use distri"a; a Maximum Net Density of 18, dwelling units per
buildable acre for land within a Mlixed Use (MU) land use district'; a Miaximum, Ne"t
Density of 18 dwelling units, per buildable, acre, for, land within a Suburban Commercial
(SC) land use district,: and a, Maxi'murn Net Density of 12 dwelling units per buildable,
acre for land within an Urban Commercial (UIQ land use district.
Responsible Agency: Monroe County Planning & Environmental Resiources
Department
2) Pursuant to Section 1391(b)((2) of thi e Land Development Code, the miaxi'murn net
residential density allowed per, district and by this, section all not require
Transferable Development Rights (TDR), for affordable ands, employee housing and
market rate housing developed in, accordance with subsection (b)(8) of" this, slectilon.
This allows a higher density for affordable and employee housing Mithou"t the transfer
and retirement of addlit(onal density.
3,) Pursuant to Sect i on 139-I(b)(5), the County ailliows the construction of affordable
housj`ng units on nonresilidential sites, including hotel/motel density developrneq,
w,ithout deducting from the cornimercialfloor area allowed 'when calcullating density,
any existing, lawfully established or proposed affordable or employee housing on a
parcel and' the floor area thereof shall ble excluded from the, calculation of thie total
gross, nonresidential flolor area). ProvidIlIng a "idensity bonus' for the development of
affordable or employee,housing on the sitef with.the nonresidenflial use.
119
SHIP LHAP 2022-20,25
1 E,ffe c tj%,c I)a It 711,1202 11
I'd
.1001161
IF10'rida HOU51'rig
Responsitile, Agency: Monroe County Planning & Environmental Resources,
Department
,E. Name of Strate,gy. Reservation of Infirasttucture Capacity for Affordable Housing
Established policy and, prociedure., Monroe, County pit ep,ares an annual Public Facilities
Capacity Report. This Report indicates that per is sufficient infrastructure capacity to
aiccion-irnodate,the needs of County residents.
ResponsibleAgency: Monroe County Planning & Emtron men tal Resources, Department
Fig, Name of Strate,g,Y: Allowance of Affordable Accessory Residential Units 'in, Res*ide(ntia!
Zoning, Distrfcts
Established policy and procedur'. Additions and accessory bedrooms may be, permitted
on developed parcels as an accessory useistructure. The accessory use/structure, miust be
consistent with existing dens,ity and Rate of Growth Ordinance (ROGO) requirements
specified within the, Land Development Code and the Monroe County Comp,rehens[ve
Plan. Accessory usies/structures do not include second dwelling units, guest houses, lock-
outs or any other potentially habitable structures th,at are occup,tied by a separate, and
indiep,en dent resident/household.
Responsible Agency,,-, Monroe County Planning& Environmental Resources Department
G. Name of Strategy,: Reduction of' pzirking and setback requirements for afforidabile
housing,
Established policy and ptocedure. Pursuant to Sections 102186 and 102-1,87, off'-,street
parking requirements may be granted variances if the requ I isite criteria can, be met.,
Pursuant to Section 1313(c)l any requilred 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 airy off-street parking space, shall be
properly licensed and operable.,
Responsible Agency''-, Monroe County Planning& Environmental Resources De,part amen'
t
H. Wme of Strategy; Aflowance of Flexib,le Lot Configuration(s
W,2 CI �,
SHIP LFI.A1P 2022-2025
JEffective Date'7/1/20,211
Established policy arid procedure. Monroe County allows flexible lot, configurations to the
extent setback and buffer yard requirements are met. Pursuant to Sections 1,02-186 and
102-187, variances "to set ind buffer yard requirements may be granted if the
requisite criteria can be,met.
Pursuant tio, Sectjons 110-110 and 110-111 of' the Land Development Code, 'there, is a
process to request a lot line adJustment for, lots 'in a duly recorded lot as shown on a plat
approved by, the, County. Thie resulting lots configured in the lot line adjustment process,
must meet the, minimum requirements for a building site pursuant to, the Land
Development Code, and Comprehensive Plan. All resulting lot's will coinform to the site
development standards of the applicAle zoning district.
Res,ponsibleAgeicy Monroe County Planning& Environmental Resources Department
1. Name of Strategy-, Modification ol 'Street Requirements
Established policy anid procedure: Monroe County allows, intierna] strehet configuralions
that meet life safety,criteria.
Responsible Agency- Monroe County Planning & Environmental Resources, Depzirtment &
Engineering Department
'J., Name-of Su'ateg,y-.1 Inventory of County Owned Property Suitable for Affordable Housing
Established policy, and procedures-, Pursuant to Section 1251.3,79, Florld'a Statutes, the
County has prepared and will continue to priovilde zin Inventory of possible sites suitiable
for affordable, housing, (Comprehensive Plan PoUlicy 601,13)
On April 21, 20,211 the nroe County BOCC reviewed the updated inventory of' County
owned sites is may be appropriate for use as, affordable housing. The inventory
includes, tw,o dev rcels aind tw,o vacant parcels. The two developed parcels, were
also includedinn tie,approved inventory.
Responsible, Agency: The Clerk of Court has the list of properties approve,d by the Board
of County CommilissJonler's, in Resolution 1617-2,021. Monroe County Plann, irig &
Environmental Resources Department,,
Kq tatiegy.: Support development ne,air, trzinsportation hubs, and majoir
employmentcenters,and m�iixed-use d�evelloprnen;ts
EsIaVishecl policy and procedures:
1) Pursuant to Sections 130-157 and 130-1,39(b)(1) of the Land Development Cocle,,,
the, following densi riuses are allowed for affordiable and employee, housin,g
- 21
SHIP LHAP2022-2025
[Effettive Date 7/1,120211
within, zoning d'I'stricts that allow commercial and mixed' use, development, a
Maxi'mum, Net Density of 18 dwelling uinJts per buildable acre for land within a�l
Mixed Use (MU), land us,le dist'rJU; a Maximum N'et Density of 18 dwelfinig units per,
buildable al re for land within a Suburban Commerics'al (SC) land use dis,trict- and a
Maximum Heft Density of 12 dwelling units per buildable acre for land within an
Urban Commercial (UCH) land use district.
Responsible Agency: Monroe County Planning & Environmental Resources
Department
2), Livable CommuniKeys, Plans ('LCP) have been adopted by the Board of County'
Commissioners for Key Largo, Tav,er'nier, Big, Pine Key aind No, Fame Key, Stock
Island, and the Lower Keys. These LCPs I"dentify activit y centersthat encourage,the
development of affordable housing near identified' mIx ed use and employment
centers. Proposedl amendments to, the, Land Development Code also J`nc,orporate
these areas, as, community center zoining overlay districts,
Responsib,le Agency: Monroe County Planning & Envi,ronmential Resourcles
Department
3) Policy 601.1-5 of the Monroe Co,unty Comprehensive Plain states'-, If Mmonroe
County funding, or if County-donlated! land its to be used for any,affordable housing
project, alternative sites sh�all be assessed according to the following guiclrefines'*,
4. Proximity to employment and retail centers. Si't'es, within five miles of'
eimployment and retail' centers shall be preferred. [9J-5.010(3)(c)(5)
Responsible Agency-, Monroe County Planniling & Environmental Resources
Dispan ment
4) Pursuant to Section 114-15, of the Land Development Code, nonresidential and
mu Iti-f a,m Illy uses Ig,enerating over two 'thousand (2,0001) trips pier day shall be
11 1 1
developed to encourage mass trans",t, by including feature,s such as: transit
fiacilifties, incluidinig covered bus shelters, pedestrian/bicycle paths, blicycle racks,
car plool' fadlities, ad'equaite turning radii for large, vehicles, aind pedestrian access
to adjacent nor riesident'aland rnulti-family uses.,
Responsibile Agency: Monroe County Planning & Environmental Resiources,
Department
. 22 .,
S"IP [MAP20,22-20,25
[Effective Date`7/11,1202,11
Floricia', 'Hou'�cllling,
Name of Strategy: Inclusionary Hou�sing
Residential
Established policy and procedure: Per'Section 1391(e)(12) of the Land Development Code:
a. Residential developments', other than mobille home or mobile horne, spaces,
covered ection (e)(2)1b. of this section, that result in the development or
redevelopment of three (3) or more, dwelling, units, on, a parcel oir contiguous
equ parcels shiall, be rired to develop or redevelop at least 30 percent, of the,
residentilSul units as affordable hious,ing units. Residential development or
reldevelopment of three (3) units on a parcel or conts"guous parcels shall require
that one (1) developed or redeveloped unit be, an affordable, housing, unit. For
the purpose of this section, and notwithstanding subsection (e)(,2)b., of this
section, any dwelling' 'unit exceeding the numb,er of laiwfuliy established dwelling
units on site,, which are created by either a TRE or ROGO allocation award, shall
be c,onsidered developed units.
b. The removal and replacement with other types of dwielling un its of ten (10) or
more mobile ho mes that are located on a parcel or contiguous parcels and/or
the conversion of mobille home spaces 110 gate d on a parcel or contiguous parcel
into a use, other tharp mobile homes, shail be required; to include in the
development or redevelopment a number of afford,labMe, housing units equal' to at
least 310 percent of the numb,er of existing its being removed and repiaced or,
convertedfrorn mob,il , home use or, in the event the new use is nonre are nt'llaI.
to develop affordable housing units at least equal in number to, 30 percent of the
number of miob,fle homes or mobile home spaces in converted to other than,
mobile home use., Removal an repilacement or conversion 'to a different use of
ten (10), mobile homes or, miobile home spaces on a pia,rcel or contiguous parcels
shall require that three (3) units be replaced or converted 'to deed-restricted
affordable ' sirs
c. In calculating the number of affordable housip units requ I tred 'for a particular
project,,, or phase of' a project, all dwelling, units proposed for development or
redevelopment or mobile homes or mobile home, spaces, to be converted from�
mobile home use shall be counted. In phased projects,, the, affordable housing,
requirements shal] be pry portionalty allocated among, �the phases. If a
subsequent development or redeve1opment is proposed following a prior
development approved on the same, property, as it exIsteld as of the effective
date of the ordinance (ORD 030-2003, 017-200,61 2016), from
which this, section, is derived,, which prior development not meet the
clornpl'i,ance thresholds set forth in subsection (e)(2)a. or (d)(2)b,. of tKis sectiont
the, requirements of subsection (e),(2)a. or b., ofthis, section shall be met as
. 23 -
S14IP LHAP2022-2025
J dive Daltv 7/1120211
F I o rs" lo,lu sJ n�,-3,
pa,rt of the subsequent develloprnent for all units prolposled for development or
redevelopment.
Nonresidewl'al and' Transiellrit
Ordinance 001-2,021 was adopted by the Monroe County BOCC on February 17 2021,
which, created an Inclus,ionary housing requirement to address nonresi'dentia:1 and
trarts'i'ent development to ensure thiat affordable housing is provided to the, local
workforce by emplo,yee generating developmenit proportionate with the need for
affordable workforce housing it creates.
i
The establ'ished polic i rocedure is set forth In Section 139-1(f) of the Land
Devellopment Code. The intent of the section is to ensure that there, is an affordable
supply of' housing, for the local workforce. This will, be accompli's,hed by requirtng
workforce houlsing be provided for all new deve1opmenit and redevelopment iin, an
amount proportionate to the need for affordable, wilorkforce housing that the
nonresild'entlal and transient use development or redevetopment creates. The intent, of
this subsection is to p,ermit nonresidential and transient use owners to, continue to
establish uises consilstent with the current buildiing and safety standards and, to ensure
that as development anicl' redevelopment Occurs, coil reh en si'vie plan pollicies, regarding
affordable housing are, implemented.
The technical support and iainalysis, upon which the rionresidential inclusionary housing
requirements are established are based upon the "Affordable Workforce Houst"ling,Sup p,ort
Studyfo -Residenti'al Development,` prepared by Clarion ,Associates, LLC, prepared in
J u ni e 2017.
Rey pion sip ble,Agency: Monroe County Ply nn'ling& Environmental Resources Department
Recommendation-, Monroe County shall maintain land development regulaitions on
I
iniclusionary housing".
M. Name of'Strati gy:" Motille Horne Parlk Irticentive Prograirin
Established policy and procedure, Section 139-2,(b) of' the Land Development Code
establishes, incentives for affordable housing delvelopme,nt by allowing the transfer of'
mar rate ROGO exernipti,ons within the, ROGO subarea from moibile home parks in
exchange for maintaining an equal or greater number of cleed-restricted affordable
dwelling units, within ,on roe County.
This program provides an ell gIble sender site owner the opplortunity to, transfer market,
rate ROGO exemptions currently
I assoc"ated with exis ing and! lawfully established
t
dw,ellirig units from, eligibile slender sites to receiver site(s) within Monroe County,,
-24 ml
SH I P LI-11AP 2022-2015
1,F]Sfe C tive I)a te 7/1/20 2 1 f
Ffori,dai HOUSing
provided that it involves the pooling of' affordable dweliling unit" rig,hts, for
reldevielop m clon
ent at ated, purchlas,ed or othe,rwilse appropriately deed-restricted s,11tesl
and transfer of ROGO exemptions, or allocations for the purpose of implementing and�;
Ir
facilitating one or more affo rdiable housing projects.
Responsible Agency: Monroe County Pliarining, & Environm ental Resources Department
N. Name O'Strategy:: Emplolyee, Ho,usiing,, Co,mme,rcial Apartments,, andWorkforce Hovs,"ing
as Permitted Wes,
Established policy and procedure*- The Monroe County Land Development Code, Currently
perm its "'Employee Housing" and/or "'Commercial Apartments" in sever,a] Land Use
(Zoning) Districts whore residential units are not otherwise permitted. Per Slectilon 101-1,
of the code-.
Employee housing means an attached or detached d1welling unit that', is Intended to serve
a s, a,ff'o,r d a bi I e R I
permanent housing for working households, which derive at least 70
percent of their household income from ga,iOul employment in, the county and meet the
requirements for affordable housing asclefined in this, section and as per ; l " io 30-161.
Co,mmercial apart'Mient means an attached or detached residential cl�wielling unit lo cal ted
on 'the sane parcel of land as ai nonresidential use that is in ended to serve as, permanent
housing for the owner or employees of that, noinriesIdential use. ilea term does not
include a tourist housing use, or vacation riental use.
Ordinance 001-2,021, was ad'opted by the Monroe County BOCC on February 17, 20,210
which created a definition flor "'workforce"' and "'workfoirce hiousing" as a part of` a liarger
ordinance to create an inclusionary housing requirement to, d:dress nonresidential and
transient development. The, new Workforce housing use Is interchangeable with the
terms deta,ched or atta,ched! dwellings,, employee, housing or commercial apartments
included in the land use districts, and shall bi e a, Permitted use in all laind use, districts
where detached dwelling, attached dwellings, ernploy,ee housing, or commercial
apa�rtmenls are included as a current permitted use. The, adopted clefini''tions, are
consistent with the recommendation from the AHACI specified wri Res,olutIon 01-2016.
Established definitions in LDC Secltlo,n 101-1:
I
'Workforce, means indivi m Dili or faies, who are gaInfully, employed supplyiing goods,
and/or services,to Monroe County residents or"'visitors.
Wo,rkforce Housing means dwelling units, for those, who, cli,erive at least 70 of their
income, ais members of the Workforce 'in Monroe County and who meet the afforclable,
housing, income catlegorles, of' the Monroe, County Code., Workforce houlsi(ngl shall be
-25 -
SHIP LoHAP 2022-2025
jEffeclive Date7/1/202U
Floi,tda -101j!s,
interchangeable with the, terms, detached or attached dwellings, employee housiln�g or
commerc all apartmeats 'included in the land use districts and! shall be, a permitted use in
ail land use districts w,here de chied dwellin,g attiached dweliings,,, employee housing or
commercial apartments are included as a current permittled use.-An appillicant choosing to
develop workfome housing is, subject 'to the requirements of Chapter 1,39 and all other
requiriernents, Incl yin 'the land development codel including but not limited 'to,
clensity, parking, bufferyards, acc'ess, etc'.1
R'spored ble Agency: Monroe County Planning & Environmental Resources Department
0. Name of Strategy: Nrch,ase anid Lease, Back, Program
Established policy and procedure,: The County has a purchase and lease-back program for
affordable housing,,,
Additionally, the County has acti'velly partIcIpated' in the feclieral and state grant
opportunities made avallable after Hurricane Irma to acquire and redeve1op mobile parks,
as workforce housing'. The County his applied for,aCommunity Deve1op men t Bloc,k Grant
- Disaster Recovery (CD,BG-D,R) grant to fund, the propeffty's purchase price and
development costs.,
Responsible Agencies.- Monroe County Land Development Authority; Monroe County
Housing Authority, and Monroe County Attorney's Office.,
R gau i r-e,,.d
,A. I nis I Adm ,trat'vej Buldiget for each fiscal year covered:in the Plan.
B. Timeline for Estimated Encumbrance and Expenditure.
C Housing Delivery Goats Chart,(HDGQ For Eac Iscal Year Covered in,the plan.
D. Sligned LHAP Cert1fication.
I . Sl'lgned!,, dated', witnesjsedI, orattlestied adopting resolution.
SH I I"' L HAP,2022-2025
lEffeeth:e Date 7/1120211
N
'p',"O
Flond"a" �iot,,jstng,
QwTrona
F. Ordinance, (If changed from the original creating Ordinance).
G. Interlocal Agreement (Required if applicable).
H. he Documents Incorporated by Ref'erence.
ADMINISTRATIVE BUDGETFOR EACH FISCAL, YEAR E x him'b if t A
Exhiblit A
M10INIRU'l COUNTY
Fiscal Year-.1 2022-2023,
Estimated SHIP Funds foi�r Fiscal' 'Year. 8071,1336.00
Salaribs and Benefits 73,233.00
Office S' uppli'es and Equipment 2,500.00
110010.00
,Ad ve rti s,,i .
n
1,00000
............ .................................
Other* recording fees and...i,n,s p e ct i oil n s 3,000.00,
.To ltal 3.................--"---- ...............�80 7' 3 NO 0,
............... .......................... ..................
Admin % 10.00%
................................... .........
OK
.................
Fiscal Year, 202,32024
Estimated SHIP Funds for Fiscal Year: ....... '3 5 0('p 0 0"O'N'0
..............— ...........-I
Salaries and Benefits 31,000.00
............
Office SUpplies and__�'_lqui, t 21000.00
_pmen
Travel Per,dilem Wolrk.shops,, etc.
Advertising,._,
............
.................................
Other* rec ding o,r feess and inispeicti'ons, 2,000.00
........... ............................................ ......
Total � � 35,10001.00
...................-
Admin % 10,00%
OK
Fis,cal 'Year ,20,24-2025
"E,,,s,t.lillmlla,ltle,,d ,SHIP, Funds for, Fiscal Year: 3501,000.00
®..................... ......
Salaries and Benefits 3 1,0,00,00
..........—--,- ........
'Office Supplies and Equipm�ent 210010.00
Travel Per idlem Workshops, etc.
...............
e����� 500.00,
Ot irecord ing fees and inspecfilons 11500.00
...... .......... -
To,tiall 351,000.00
..........__
,Admin 10.001%
............
OK
*A11 "other"' items,, need to be detait hire and are, subject ,to review and appirov,al by
the SHIP review committee. Project Del[very Costs that are outside of"adminilstrative
costs, are not to bleincluded here, but must be detai:1ed 'in, the LHAP ma�iin, doicumenit.
D eta ilsl: Other - recording fees and HQS, inspections.
PAGE 28,
E x h"i b it B,
Tirnefine for SHIP Expendltu,gyres
Monroe County,, Flonda affirrns that funds allocated for these fiscalyears will
(Io calgo vernmen t,)
meet the followling deadlines:
—F --- —----------mls,clal Year, Encumbered ended Interim C loseout
Report, Report
....................................................2022-2023 6/30/202.4 6/30/2025 9/15/202 4 9/15/2025
20,23-'2024 6/3 Q/20 2 5 6/30/2026 9/15/2025 9/'15/20,26
.........................
2024-2025 6/80/2,026 6/30/2027 9/15/'20 19/15/2,02 7
If fundis all 1located for these fiscal years, is not anticiplated to,,meet expendituire deadlines, Florida Hiousing
Finance Corporation will be no led,according to the following,chart:
—,:............
Fiscal Yea Funds Not— CIoseout AR
Expended Not
Subm"tted
2022-2023 3/810/202 5, 6/15/2 0 25
20231-201124 3/30/2026 6/15/'2026
2024-20,25, 3/30/2027
6/15/2027
Requests for,Expenditu!re Extensions c1losel-out year,ONLY) mu,,st be received by, FHFC by lunie �15 of the
year in whith funds are require nded.The extension request shall be ernai'ledl t10
A�,y o,/
g 1,C)I, :6 f I d a I'I,lr:,� n
robert,de rdUlff ffqridahot�S'Ill' vil"id' carriekaq,;,-v, or'
and includem
staternient that"(6ty/county)requestsan extension to the expenclitutre dealdline.,for fiscal
year
2. The amount offunds that is,not expended.
amount olf fuMs that, is, niot encumbered or has been recaptured.
4, A detallIt'd plan of how/when the,money will be expended.
Note.-on, extension to, the expenditure, deodfine tiune 30)doesnotre,lieve the,requirem,ent to submit,
(S'eptemiber 15)the annua/report online detalflng aflfbnds that havebeen,expended, Please email
CC11 )u
,,,,q when ou are ready to "submit"the AR.
I'U(l�:/,,(",t d i,t t"y
Y
Other,Key,Deodfines.-
AHAC reports are now d nu ally by December 31, Local governments recelvilng the miinimu�rn ('or less)
allociation may choo Ili sle not to report.
PAGE 29
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'
EXHIRITAR)"
L HAP 23-24-25,
CERTIFICATIONTO
IFLORIDA S NG FINANCE CORPORAT ION
Local Ciovernniient., MONROE COUNTY, FLORIDA
(1) The local governmemt willadvertise of SI HIT funds pursuant to Florida
Statutes.
mn -.-,d xi" h vill instire that there will be no
(2) All SI IIP funds wi 11 b e-1 exi. dc in a n1ail,ner N 11,C x
011 the basis o f race, creed rehgion,, color, a s ex", fan,�1,ilial, m
ge,
Stat,LIS,, handicap,, ot ii,za"fir im"'I"a l 01,1191111.
(3) A rocess f�or selection,ot reci,picilts R)r1itti,ds has been deNirielo.'p.ed.
P
(4) The eligible 111unIcIpality Or Minty hi as developeda qKlIffic-ation system for appli,cations
f6 -r awar(ls.
( Recinofns will beeIUronraal1votitni , rog 'del,"
nes.
(6) The I o"llorida Housing Foinzince Cl 10 rPo 11"C"It 1,o,n NVillbe notifi,ed promptly if' the local,
ly wall the provislo i
government (,oir interloctd endty) 'w"ll be unable,-to comp i ,s the plan,.
I * 'I) S[_.�
die Local I-JOLISII.Ig Assistance Plan shaIl provi,(ie for t1le ex,wild-tture, oll f.1 IMP l"'unds
Iii.cluding allocati,ioli, prograinincome" an.&I-CCLIPtUred, ftlmd, NvithiIii, 24 nionths f."ollowing
W
U, I tlie, eild ofthe Stafe 'fiscal, year i,which theytare rece'ved.
(8), The plan,coi1fi,,):rn,�is -to the Local, Gov eel"'ini,elit Comprehensive Plan,, or thiat ail aniend,tiwtit
tothe Local Governnient Com rehe'llsi've Plari w1,11"', ble inificated al the next avallable
0 Icon, ''Ir"ma, 11ce wIll the' 'tocal Housing Assistance Plan.PP 0 1111.11 i t N I tO i n s t re t o i th
(9) s
"I Atn,endment to thie a I JOLIS!"Jig Assista�lice Plan slial], be prov'd,ed to, t�, e
iA pprovedl,oca I
Cor, oraflon w'm, 'n 21 da. Cildoption..
.P I I y s al"te r,
(10), 'I'lle trust tin-W shall be establ l with a qttalifil.ed, depos itoryfor all SHIP t1inicls as VNr 11,
as ni,oneys generated Iro.11111 acti,vioes SLICII as interest earned onloans.
1. . A,mount"s on deposit in the local, housing ass Istancle 'trust ftind shall be Invested, as
permitted by lmv.
(12) 1"fle local 110L"IS ing assi I stance trust fund shall be separately stated as a special revet"Itte
ftind in the loczal govertiments auditedfinancical statements,, co,pies,of the audits,w 11, be
forwiarded to the Corporation as soon as available.
PAGE: 36,
An interlocal entlitlysl'-i.call have its, local housing assistance trustfund, separately audited
7N,,ar, atrid the audit to rwarded to t1le (.',-,orporation as soon as possible.,
ft)r each state, fis,cal yt,,N,
4
('111,4), SHIP -11"Inds will not be pledged fog, debt service on bonds,or as retit,subsidies.
Developers, rcceivmg asslistance from both S111P and,the LowIncome Flousing Tax
Program shall comply with the i,nconie,, aff"'ordability, and ot"hell- 11",".I I I 1 1 11.1c
Creclit (LIii-rc.,
requircti.ients, st-milatAy, any units recei'ving ass.istan.ce from, other fiedera] progran.issliall
Sf- IP prograni reqUirenlentls.'
conliply- with all Federal a, 'I I
W, d, . .1,xcept 'l,"or deferred - ayt-n.ent
06) Loairis slurill be provill,ded. -Cor per,tiods, not exceeldi,ng 310 years, c.. p
loc-tln.s or, loans that extend, beyond 30 years which coiltinucto service efigible persons.
11
J'acntal Units con.strLICted, oir w"Ith SHIP' fdt.idss shall be nionito(Yeld at lcz-,tst
(17)
com, l' i t l'i te n M L2 reclitiretlient 'I Ity
an,rtually 'I-" 'r 15 yeatrs fot p talice w, ant mco s and aff rdabil"
1 A.eq L ui'et en as required in Section 4,20.9('') ("j
18) Thle PIL,"m mleets tfie requiremeLtits of�Slection, 4,20-907-90719 FS, and, Rule CImpter 67-37
F".AC, and, how each, of those requirements, shall be inet.
C
(19) e provisions,of Ch(aptle''t, 183-220, 1 1.mvs of,"Florida hias, ot- X hi(i.s'not
..............
b e e n i m,p I le ji'l e 11,ted.
............. ................... X
W"
('...,hlef I.-Jected 04 'Icial or designee
X, .................. X .............
"Witness Type Name, and i t'11,e
Date
OR
Attest.*
("Sea I
PAGE: 37
I uJE
EXHIB"17
67-37.00:5(1) FoA.C.
2022,
L14AP, 23-24-25
R-ESOLUTJON - 2022
A RESOLUTION OF' 1"'HE BOARD OF COUNTY COMMISSIONERS OF MONROE
COUNT"Y, FLORIDA APPROVING THE LOCAL F101USING, ASSISTANCE PLAN ASS
REQUIREDBY THE STMIT HOUSING INITIATIVES P,ARTNERSHIP PROiGRAM ACI,
SUBSECTIONS. 420,907- 420.911079, FLORIDA S f'A"rUTES; AND RtULE C11,1APTER 67-37,
FLORIDA ADM IN j,smA`1JV'E CODE,AUTH"ORIZING AND DIREC"I"ING THE MAYOR OR
'THE COU NT*Y ADMINIS"'I"RATOR TO EXECUTE AN'Y' NU:-.CV.*,S'SARY DOCUMENT'S AND
CER."'rIFICATIONS NEEDED BY'THE S"FATE; AUTH'ORIZING TfIE SUBMISSION OF' THE
LOCAL I MUSING A&SISTANCE PLAN FOR, REVIEW' AND APPROVAI., BY THE
FLORIDA HOUSING FINANCE CORPORATIOM AND PROVIDING AN EFFECTIVE
DATE.
WHEREAS,,, the State of Florida enacted the William 'E", Sladows,,k,,'I' At't*o,rda-bile ,,Hou'sil'lg
Act, Chapter 92-317 ,of Florida Sessions Laws, allocating at piortion of doCUrnentary stanip taxes
on deeds tolocal govierni-nents for tlic development ia,nd, maintenance of"affordable hoUsill9r; and
WUKREASI,ot hie, State Ho, sing, Inilliatives Partnership (SHIP) Act,, 1.1s.1s. 420.907-420.9079,
I'lloridi'i"all S'lattites (1,992), and Rule Cr 67-37, F]o "tda 'i hpe istraC , requIrs local governments to develop a, one- to, tht-ce-year Local 11-Iioiusitig, Assistance Plan outlining how ftinds
wil I be used
, rx thet A"HIP
WHEREASth�e r SHIP, Act equir es, 110"Ca-1 governl , oes imei'l.vs tl tablish ilaxi n 1. ,
m'Uj, S
t`undsallowablcfor�each strategy,, and
stab,fish an verage area,
WHEREAS,,,the SI-11P Act ftin her requires liocal, governments to e i a
*I
purchase price f6r new and extsfing housing beilttil'ong, froin (awards, made pursuant ,to the Act;
The methodiollogy and purchase prices used are defined, in the attached, Loca] 'Ho psi ng Assistance
Plan; and
W11EREAS, as, required by sec,tioin, 420.90 75, F S It "is found that 5 percent of the I ocal
housing di"s-tributton pilus 5 perCe'llt of programincornie, is—rnsufficient W adequate ly pay the
necessary costs of'adryi�,'in,"ist,c,r, loci.
"ing, the ll, hoLlSing assislance plan. 'The cost ofadniinistering the
prog ram may n o t e xic eed 10 p erc ent o f i he I oc a I ho us i,ng, d,i st ri bunion pl,us 10 plerc e nt o f prog raynn
411
incorne deposited, into the trust fiund, except that small counfies, as defined in s. 120,.52(17),- and.
I
WH,EREAS the Motime,County has prepared a,dirlee-year Local Hlousing Assistance Plan
for submission to the T'lorida Housing ttin Inc e Corporiation-,ol, and
P A G
11 1 BITE
EXII'67-37.005w,(I') FAX#
2,022
L111AP, 23-24-25
WHEREAS, the, County Comm is sion ftnds that it is in, the best interest o fthe public for
Monroe County to subrnit tli,eLocal Housing Ass,iistance Plan, for review and approval so of
qtta lift' for sall"id do(cume,lilary stanip tax funds.
NOW 17HERWXORE, BE, IT RESOLVED BV THE BOARD OF C'OtJNTV
C0MM,US, S,1O,NERS OF MONROE C0t,,"N'TV',, FLORIDA that:i
Section -l-, The, Mottroe County, Board Of COU,nt Con'i-juissiontrs here,by approves thel oc,al
y
U-10u.9i I n istian,ce S
,g Ass' Pla,n�, a ,attached and-Incolworated, hereto for submiss,ton to the
Flo,fida Housitig t,,mance Corploratton a-sreqUired by,s,s., 4,20.907-420-9079, Honda
I
Statutes, for fliscial Years - 2
202.22023, 2023-20,24 and 0124-2025,
W
111,I'S �,rieb lesignated and authocrized to,exectite
Section I TtieMay,o�r,ot�" :Cou,ntyA,d,,t,,nlini,str,a,to , he y
any dOCUIlients and eertlficatiotl,s requireA bly, the Florida Housing Finance,
Corporation as reliated to the Local I-Iousing Assistance Plan, and to, do all thing's
neces,sa,ty and proper to carry out the tern-i and conditions,ofsa.iid progratti,
See fil on 3 The Monroe Cotinty, Board of County Commissioners, nereoy approves thiC IISC Of
10, percent of the local hOLIS111g, distribution, p1l'us, 1 10 pereent of prograrn income, to
adequately pay the trwces,sa,ry cost, of adui,inistering the local, housling, ass,tstance
plian.
Secti�-4 This resiolution shalItake eff&t hn,nnedia,tely upon, Itsadopt"
I ( 1011.
PAISSS,"E"D ANDADOPTED by 0-1w Boardof Coun(y Coniinussioners of
Mon,roe, Cottn.ty', Fliori'da at a regular in,ee,tingof said Board,oti the day, ofJuly, 2022
May,or,David Rice.,
Mayor Pro Tetil Craig Cates,
Commissioner Michelle Coldiron
Commtss,totier j1h,'u, .9',choll
Conun.issioner 14olly Merrill Rasc,hein
SEA1
ATTEST.- Monroc Count, Clerk BOARD OF COUNTY COMMISSIONFI-RS1 OF
y
MONRO'E COUNTY,, FLORIDA
BY: B Y
.......................
Deptit"y ,Clerk Ma oil- David Rice
Approved as to legal 'kh
0 M6' 61V�OUNTYATTORNIEY
Date: PAGE 39
eo APPR ''D AS,TO FORMI
J 'ES
AI E
ASSIS,TA 1 RNEY
� 16'
Date. OZ.,
a BOARD,OF COUNTY
U
aft
U011111Mty mit" Monroc
V
District
Ut rr
+ff Ar N� f Mayor Heather Carruthers, W M
b
The Inloficia,
ey Ks,
ry " arc.
Mayor Pro,Tern Michelle Coldiron,'District 2
a�m+�rsNrn m u au md¢ ��u�r6 �
fR„uu ,mm uuf f� Craig Cates District 1.
fhfuDrirvx h; iri ti rrvu rf�vr
David Ice,District "
Sylvia,, Murph ,District 5
Uounty Co. sion Meeftng,
November 17, 210210
Agenda,I tem, Number.a F.21
Agenda Item Summary #7564
BULK -. Yes DEPARTMENT-. Social Services
TAF C T Sheryl G a 3 5 292- 5
o
WORDING.AGENDA ITEM Approval amendment the State Housing � s
Farm sh (',SHIP) a 's Local Housing Assistance Plan P) to, modify the existing
Hotnebuyer AssistanceStrategy language allowing for Habitat f6r Humanityee Loans
to bein.the first lien position
ITEM BACKGROUND:' expand the language of the LHAP regarding the position loin hens
within first loans e not originally fcderally insured. Habitat for,Humanity will. n
longerretain their hornebuyer loans in-house and each loan wille sold,to a federallysurebank
or moi-tgage cony upon closing.
PREVIOUS, RELEVANT BOCC A Approval of the Monroe County SHIP BHA 'for
Fiscal, Yeses 2019 . 202 -2, 2 2022 at BOCC meeting July 17, 2019 A� a
Amendmenl to, change the title of the DisasterMitigation Strategy to Disaster Relief� and chan,
FHFC coding from o, at,ROCCineeting on,April1
CONTRACT/AGREEMENT CHANGES:
Language Change
TA c end rova
DOCUMENTATION:
HOMEBUYER STRATEGYAMENDED LANGUAGE
FINANCIAL
Effective Date: 3 12
,Expirationate: 63, 2
Total Dollar Value of Contract,-. -0-
41
'Total Cost to County,.
Current Year Portion,
Budgeted-.
Source of Funds,:,
CPI:
Indirect Costs:
Falb mate d Ongoing Costs Not Included in above dollar amounts:
R,evenue Producing-, If yes, amount-
Grant*,
County Match-,
Insurance Required: NO
Additional Details*.
None
REVIEWED BY.
Sheryl Graham Completed 11/012/20,20 5 18 PM
Pedro Mlercado Completed 1,1/02/'2020 5�21 PM
Purchasing Completed 11/02/2,020 6- 3 PM
Budget and, finance Completed 11/03/20201 8:10 AM
Maria Sliavik Completed 1,11/03/2020 8:51 AM
Liz Yongue Completed, 1,1/03/20,20 2,:1 8 PM
Board of County Commisstoner's Pending 11/17/2020 9,:00AM
SeClon 11. Housing Strategies:
A., HOMEBUYER,ASS4STANCE,
a, Surnmary of Strategy: Funding assistance for the purchase or cloristruction of'a
single-family, residential,owner occupied property, including conclorniniums
and town sies.
b. Fiscal Years,Covered-, 2019-2020,20,20-2021 AND 2021-2,022
IC. Income Categories: Very Low, Low and Moderate
d. Maximum award'.1, $45,000
e. Terms:
1. Deferred Loan-, Secured by a recorded note and mortgage
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.
61. Default,-, The loan,will be due and payable in full upon maturity, payment
I n fu I I of th efi rst m o rtgagel,,sale, rental ol r tra n sfe r of t h e p ro p e rty,fa I I u re
to, comply with the terms of the SHIP, mortgage, loss of homestead
exemption,or,cleath of'the last surviving homeowner. In the event of the
death of the last surviving,hom ner, any incomie eligible heir riesicling
in the,home may assume the SHIP ILoan air long as they can obtain ti fle,to
the entire property within one (1) year of the d1e,ath ofthe last Surviving
homeowner and the first mortgagee consents to the assumption of their
loa,n.
Recipient,Selection Criteria: Eligible applicants,will receive assistance on a, "'First
Qualified,First Served"basis.Applicants ho have been determined to buy income
eligible for,program assistance will be placed on a waiting list accordingto their
0
income,.
Applications for Homebuyer Assistance must include:
1. A contract for purchase of an existing hioulsing unit or one unclier
co it,shall be defined as,
n str uction. An "und,er nst corui ction," housing un t,
having a building permit ancl pilings/foundation complete and inspected.
2. A lending institution pre-qualification letter for the amount,to be financ�ed
which may assume up to a$45,,01010,SHIP loan.
3 An afficlavit from,the n the Seller i event leis is a unit under construction,,
indicating the delivery date of the housing unit(cannot be more than five
rnonths from the,date of the SHIP approval).
Applicants, who fail to submit complete applications,, who do not meet 51-11P
threshold requirem en ts or canniot close due to financing or any other reason,,may
not reapply for SHIP assistance until the following application cycle.,
i
9. Sponsor/Developer Selection Criteria: N/A
h. Additional Information-, Buyer(s) must contribute a minimurn three percent(3,%),
of the sales price as a down payment. Property must meet rninirnum hilealth and
safety,scan darcls,as defildned under thie U.,S Department of Housing,and Urban
Development's,, Housing Quality Standards(HQS). Any,HIQS deficiencies must be
corrected prior to or as part of the purchase transaction. IIn the,case of new
construction,a Certiflicate of Occupancy(CO)may be subst'lituted for
Ins,pett ion., Mortgage loans Ipublicentitles,which retain ownership of the,
land under the terms of a ground lease, shall extend to,the improvements.
Homes, must be, financed with, a federally insured financial instituuon with the
exception of Habitat for Humanity units. In the event other financing,mietho,ds
are ut"Iflized and approve, the SHIP Administrator,,or assignedlLpg
11 mrsonnel,the
SHIP Note and Modga e must,be a fi'rst rno!jgage.
g
SHARED APPRECIATION PROVISIOU: All 51-11P funds, under this strategy are,
sulbject to,a mortga that shall contain recapture provisions which provides for
shared,appreciation between the buyer(s),and the Monroe County SHIP Program.,
The amount due Monroe County upion sale, refinainicing or transfer of the,
property shall; Ibe calculated by adding, the sum of the principal baliance of the
SH[P loan and, 50%of the appreciated rlue. The appreciated valule shall be the
difference between thile ong'inal purchase price and the sales price less, any real
estate missiori,, less the value of any permitted improvements, and less
reasionable closing costs. Housing, units clonstructecl utilizingAffordablee Housing
Permits, which restrict appreciation in the housing unlit's uel, shall not be
subject to the Shared Appreciation Provision.
ASSUMPTION OF EXISTING SHIP MORTGAGES: Existing SHlIP Ho anus ebuyer
Mortgage Loans,may be assumed in ordier to enhance,the owner occup red
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 Prograrn 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 11ow and low income qualifiled homebuyers. 'Transfer of title,to,the
new homebuyers must be completed within a period that does not to exceed six
(6), months after repaymen't by the,existing horneowner.