Resolution 435-1999
f\LEO FOR RECORO
"99 SEP 24 PH 5: 0 ,
DANNY L. KOLHAG~ESOLUTION NO. 435-1999
ClK C\R. CT.
MONROE COUHTY. FLA.
A RESOLUTION ADOPTING AND APPROVING AMENDMENT THREE
TO THE MONROE COUNTY'S STATE HOUSING INITIATIVE
PARTNERSHIP (SHIP) LOCAL HOUSING ASSISTANCE PLAN FOR
STATE FISCAL YEARS 1998-1999,1999-2000, AND 2000-2001
WHEREAS, Monroe County and the Florida Housing Finance Corporation has
approved the County's State Housing Initiative Partnership (SHIP) Local Housing
Assistance Plan for State Fiscal Years 1998-1999, 1999-2000, 2000-2001 inclusive of
amendments one and two; and
WHEREAS, the County may amend the Plan in accordance with Florida Statute
Chapter 420; and
WHEREAS, the additional receipt of state funds, current state requirements for
expenditure of funds for very-low and low income households, current housing market
and costs for new/rehabilitation construction requires an amendment to the Plan; and
WHEREAS, the SHIP Administrator on behalf of the County has conducted three
public hearings to consider the proposed attached Amendment Three.
NOW THEREFORE BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY, FLORIDA THE FOLLOWING SECTIONS
ARE HEREBY ADOPTED AND APPROVED:
Section 1. The attached Monroe County Local Housing Assistance Plan for the
State Fiscal Years 1998-1999, 1999-2000, and 2000-2001 as amended per
Amendment Three which incorporates previous Amendment One and Amendment Two.
Section 2. The Chairman of the Board of Commissioners, on behalf of Monroe
County, is granted the authority to execute all documents and certifications that may be
required for submission and approval of the amended Local Housing Assistance Plan
to the Florida Housing Finance Corporation and any applicable required changes that
may be forthcoming from the Florida Housing Finance Corporation's review and
approval process.
Resolution Page 1 of 3
PLAN PAGE 23 of 28
Section 3. The maximum award schedule as listed in the Plan is hereby amended
for state's FY 1998-1999, 1999-2000 and 2000-2001 funding as follows:
Home Owner Strategy (1) Required Cesspool Replacement
Current Average Costs inclusive of Permitting:
(as of January 1, 2000)
Maximum SHIP Dollars per unit supplemental funding
Est. Minimum # of Units to be addressed per 3-yr. plan
(based on supplemental funding to other source funding)
( estimated SHIP assistance $8,000-$10,000 per unit)
Home Owner Strategy (2)Rehabilitation/Emergency Repair
Average Costs:
Maximum SHIP Dollars per unit (very-low income households)
(low-income households)
Est. Minimum # of Units to be addressed per 3-yr. plan
Home Owner Strategy (3) First Time Home Buyer Program
Average Costs
Maximum SHIP Dollars per unit for moderate income
Maximum SHIP Dollars per unit for low income
Est. Minimum # of Units to be addressed per 3-yr. plan
Home Owner Strategy (4) (Development not-for-profit)
Average Costs
Maximum SHIP Dollars per unit for very lowllow income
Est. Minimum # of Units to be addressed per 3-yr. plan
Home Owner Strategy (5) Disaster Mitigation/Recovery
Average Costs
Maximum SHIP Dollars per unit for very low/low income
Est. Minimum # of Units to be addressed per 3-yr. plan
(Based on actual disaster/supplemental SHIP funding)
Yr. 1
Yr. 2/3
Rental Strategy (1) Rental Construction (new/rehabilitation)
Average Costs:
Maximum SHIP Dollars per unit
Est. Minimum # of Units to be addressed per 3-yr. plan
Rental Strategy (2) Special Needs Housing,
Group Home Construction (new/rehabilitation)
Average Costs:
Maximum SHIP Dollars per unit
Est. Minimum # of units to be addressed per 3-yr. plan
Resolution Page 2 of 3
PLAN PAGE 24 of 28
$11,000
$16,000
$18,000
30
$15,000
$35,000
$25,000
15
$120,000
$20,000
$36,000
24
$120,000
$60,000
6
$10,000
$10,000
10
N/A
$10,000
$10,000
15
$6,000
$8,000
15
[ -
Rental Strategy (3) New Development (not for profit)
Average Costs:
Maximum SHIP Dollars per unit
Est. Minimum # of units to be addressed per 3-yr. plan
$100,000
$50,000
6
Rental Strategy (4) Disaster Mitigation/Recovery
Average Costs
Maximum SHIP Dollars per unit for very low/low income
Est. Minimum # of Units to be addressed per 3-yr. plan
(Based on actual disaster/supplemental SHIP funding)
$10,000
$10,000
6
N/A
Yr. 1
Yr. 2/3
PASSED and ADOPTED, by the Board of County Commissioners of Monroe County,
Florida, at a regular meeting of said Board held on the 8th day
of September. 1999.
BOARD OF COUNTY COMMISSIONERS
OF MONROE COUNTY
~~c. /JJv)d~
Danny Kohlage, ClerK of the Court
~-~
By:
Wilhelmina Harvey, Mayor/Chairman
Mayor Harvey Yes
Mayor Pro Tem Freeman Yes
Commissioner Nugent ""Y"eS
Commissioner Reich Yes
Commissioner Williams ...Y.e.s....
Reviewed for Legal SUfficien~~
Resolution Page 3 of 3
PLAN PAGE 25 OF 28
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TABLE OF CONTENTS
I. PROGRAM DESCRIPTION
a. Name of participating local government
b. Brief Description of local program
c. State fiscal years of local Housing Assistance Plan (Plan)
d. Solicitation of public input in developing plan
e. Support services available
II. INTERLOCAL AGREEMENT (non-applicable)
III. LOCAL HOUSING PARTNERSHIPS
a. Efforts to facilitate Local Housing Partnerships
b. Combined resources of Local Housing Partnership
to reduce the cost of housing
IV. STRATEGIES
a. Home Ownership Strategies (1 through 5)
b. Rental Strategies (1-5)
c. Housing Incentive Plan Strategy
d. Housing Delivel)' Goals Charts (See CHARTS below)
V. TIMETABLE FOR EXPENDITURE
VI. AFFORDABILlTY
a. Home Ownership
b. Rental
VII. ADVERTISEMENT AND OUTREACH
a. Description of local government's efforts of making SHIP Program
available to applicants
b. Statement that local government will advertise the availability of a
Housing Assistance Plan at least 30 days prior to beginning of the
application period
VIII. ADMINISTRATIVE EXPENSES
a. Local SHIP Program administrative responsibilities
b. Specified percentage of funds for Administration
c. State fiscal year breakout of administrative expenditures
CHARTS
a. Housing Delivel)' Goals Chart 1998-1999
b. Housing Delivel)' Goals Chart 1999-2000
c. Housing Delivel)' Goals Chart 2000-2001
IX.
CERTIFICATION PAGE(S)
ADDITIONAL REQUIRED INFORMATION
a. Original signed and witnessed Resolution approving revised Plan
as of September 1999 incorporating amendments 1,2, & 3 in text
b. Copy of initial executed Resolution adopting the Monroe County
SHIP Plan 1998-2001
X.
XI.
SUPPORT SERVICES
a. Home Ownership counseling
b. Fair Housing counseling
c. Credit counseling
XII.
STATE HOUSING INITIATIVES PARTNERSHIP PROGRAM
INFORMATION SHEET (effective as of 9/1/99)
PAGES
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1-2
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7-10
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28
MONROE COUNTY
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PLAN
REVISED LOCAL HOUSING ASSISTANCE PLAN APPROVED AS OF SEPT. 1999
STATE FISCAL YEARS 1998-1999,1999-2000 AND 2000-2001
Previously SOCC/State approved Addenda One, Two, Three have been incorporated
in the plan's revised text.
I. PROGRAM DESCRIPTION
a. Monroe County is the legal: entity that has prepared this Local Housing
Assistance Plan in coordination and participation with the State's Housing Initiative
Partnership (SHIP) Plan. The Plan is in compliance with Florida Statute 420.907 and
the Florida Administrative Code (Rule 67-37).
b. The design and implementation of the SHIP Program in Monroe County has a
number of unique considerations:
(1) The only county in the State of Florida whose entire geographical area
has been declared an "Area of Critical State Concern" pursuant to Chapter
163.3244, Florida Statutes.
(2) The only county in the State of Florida that has an executed
Memorandum of Understanding with the State of Florida that requires the
elimination of "one" existing residential cesspool prior to issuance of "one" new
residential building permit. The eliminated cesspool must be in the same
geographical area as the proposed new residential building permit. (Upper,
Middle or Lower Keys).
(3) State approved Rate of Growth Ordinance (RaGa) which allocates only
255 residential building permits inclusive of an affordable housing set-aside.
(Per state approved bonus points for environmental work items such additional
insulation, solar hot water, cisterns, 155 mile wind loads, raised elevation above
required flood level, etc.) Annual permits reduced to 204. Currently only 88
annually approved due cesspit credit calculations.
(4) The 1997 Florida Price Level Index published annually by the State of
Florida has Monroe County for twelve straight years ranked with the highest
cost of living of any of the sixty-seven counties. Within the indices used
"housing" accounts for 37.86%. Monroe County ranked 27.45% higher in
housing costs than the state average.
The local SHIP program must cover over 100 plus linear miles of unincorporated
county area and four incorporated areas. The housing needs within Monroe County far
exceed the revenues available under the SHIP funding formula. The local SHIP
Plan Page 1 of 28
program is designed to assist in leveraging other available housing funding, both under
the Home Ownership and Rental strategies.
c. The state fiscal years addressed in Monroe County's Local Housing Assistance
Plan are fiscal years 1998-1999, 1999-2000, and 2000-2001.
d. Advertisements of public meetings were placed in three separate newspapers
serving Monroe County. Three public meetings were conducted countywide. (1) Old
City Hall, Key West, Mile Marker 0, (2) Marathon Public Library, Mile Marker 48.5, and
(3) Islamorada Public Library, Mile Marker 81.5. All facilities were handicap accessible.
Proposed strategies and budget allocations were distributed and discussed. Draft
copies of the Plan were posted at all county public libraries. Public input was
incorporated into the 3-yr. plan. Three public hearings were advertised and conducted
countywide to provide 1999 plan amendment three public input. Draft copies of the
1999 plan amendment were posted in all county public libraries.
e. Support services for the implementation of Monroe County's SHIP program will
continue to be through the Special Programs Office, Monroe County Housing Authority.
This office has provided continued affordable housing support services through the
HOME Program, Single Family Mortgage Revenue Bond (MRB) Program, Community
Development Block Grant Program, and U.S. HUD's rental rehabilitation program.
This office also coordinates with the City of Key West in providing housing for eligible
AIDs' clients through AIDs, Help, Inc. and HUD's HOPWA Program. The Special
Programs Office provides administrative support to the Monroe County Housing
Finance Authority. Other referenced local support services through SPO are
Consumer Credit Counseling Services of South Florida, Inc. and Habitat for Humanity.
II. INTERLOCAL AGREEMENT.
Since the initiation of Monroe County's local SHIP program in 1993, the program has
been for countywide participants within the unincorporated and incorporated areas of
the county. There is not any need for interlocal agreements.
III. LOCAL HOUSING PARTNERSHIPS.
a. The countywide landscape of financial institutions continues to vary through
mergers, expansions, and acquisitions. Institutional needs or lack of need for
Community Reinvestment Act requirements also vary. The county's success in the
implementation of first time home buyers' opportunities under the county's HOME, SHIP
and MRB programs has made all the lending institutions in Monroe County, participants
in our Local Housing Partnership. Each financial institution located in Monroe County
has participated in this Partnership through HOME and SHIP. Housing developers
have participated by processing building permits through ROGO and providing turn-
key housing units to an eligible HOME or SHIP program participant. Clients have been
Plan Page 2 of 28
referred and assisted through Consumer Credit Counseling Services. U.S.
Congressional assistance has expedited the process of obtaining U.S. Navy housing
both for rental and home ownership. The Homeless Coalition has had specific units
allocated to their use in the U.S. Navy excess property process (BRAC).
The most recent initiative was the establishment by Fannie Mae of a South Florida
Partnership Office that included Monroe County. A training session was conducted
March 23, 1998 that included bankers, mortgage companies, Realtors and local
government that introduced and made available to Monroe County a series of Fannie
Mae products such as (1) Financing Home Repairs and Renovations up to $50,000,
(2) Nonprofit Borrowers for Lease-Purchase Mortgage Loans, and (3) Community
mortgages for low and moderate income households (3% down and generous L TVs).
b. Monroe County has been able to combine local housing partnership resources
to assist in reducing certain costs of housing.
. The Monroe County Land Authority for Monroe County $1,573,600
(acquisition of property for affordable housing under the
County's Plan 2000, Housing Element.)
. The Monroe County Land Authority for City of Key West $1.956,000
(acquisition of property for affordable housing under the
City's Plan 2000, Housing Element)
. The Monroe County Housing Finance Authority $ 75,000
(Direct financial support to rental affordable housing units)
. Monroe County $ 135,000
($35,OOO-support to 1st Time Homebuyer Program and $100,000
to cesspool replacement. (low-income homeowners)
. Florida Department of Environmental Protection $ 100,000
(Cesspool replacement for low-income homeowners)
. City of Key West's Mayor's Revolving Loan Fund $ 500,000
(Rehabilitation of low-income homer owners' property
. Habitat of Humanity $ 25,000
(Direct assistance/materials/equipment-elderly low income)
. The Monroe County Land Authority for the City of Key West $2,718,000
for proposed affordable housing rental properties
. The Monroe County Land Authority for the Bahama Conch $ 89,000
Community Land Trust, 227 Virginia St. Property purchase
. FEMA Unmet Needs Funding affordable housing/MCHA $1,865,000
Financial institutions have provided portfolio loans to clients without sufficient job
history, credit rating, etc. that would allow selling the mortgage on the secondary
market. The Monroe County Housing Finance Authority made available Single Family
Mortgage Revenue Bonds, Series 1997 through participating lenders.
Plan Page 3 of 28
IV. STRATEGIES (includes application form requirements per each strategy)
HOME OWNERSHIP STRATEGIES (Minimum of 65% of annual SHIP allocations)
1. Home Owner Cesspool Replacement and Septic Upgrade. State Health
Department Compliance county and state mandated. Health & Safety.
Fiscal Years: 1998-1999, 1999-2000, 2000-2001.
Client Base: Very-low, low, and moderate income home owner households.
Selection Criteria: Per date of issuance of State's Health Department's Compliance
Letter and return date of Monroe County's Replacement
application for very low and low income households. Moderate
households only when during the time frame of application to
contract, the low income household becomes moderate or
purchase of a house through SHIP 1 st Time Homebuyer program.
Recapture Provision: Assistance up to ($8,000) shall a direct grant. Assistance in
the amount of ($8,001) or more shall be in the form of a loan. Ten years. zero
interest. Forgiven 1/10th per year. Balance due/payable upon sale or title transfer.
Indebtedness shall be forgiven prior to the tenth year if a central sewer system is
available and the mortgagor connects up to the system.
Strategy Leverage Funds: Sm. Cities, CDBG Program
FI. Dept. of Environmental Protection funding
State Budget appropriation
Monroe County General Revenue Funds
This strategy is currently in effect through joint agreement of the Governor's office and
Monroe County per a Memorandum of Understanding between the state and county,
July 22 , 1999 County Ordinance replacing County Ordinance 03-1997 and County
Resolution 257-1997 amended as of July 21,1999. Currently, two hundred twenty one
(221) applications have been received and are being processed for HQS inspections
and issuance of Health Department Permits for aerobic treatment systems. As of July
31, 1999, eighty -one (81) have permits or contracts. SHIP funds to be allocated to this
strategy in this three-year plan will continue to be combined with other available
leveraged funding.
2. Emergency and/or Rehabilitation Home Owner Repairs. Health & Safety
Work items. (i.e. electrical, plumbing, sewer system upgrades, roof, water connection,
structural repairs, other exteriorlinterior repairs under HUD Housing Quality Standards.
1998-1999, 1999-2000, 2000-2001.
Very-low and low income households.
Initiation of SHIP FY application cycle on a first-come-first
qualified basis until yearly funding expended.
Recapture Provision: Grant available up to $8,500 for very-low income
households and $7,500 for low income households.. Loans available up to $25,000
Fiscal Years:
Client Base:
Selection Criteria:
Plan Page 4 of 28
for low income households and $35,000 for very low income households. The
mortgage/note will be for a Twenty (20) year period, zero interest. It will be forgiven
five (5%) per year based on mortgage covenantcompliance. Balance due and payable
upon sale or transfer of property.
Strategy Leverage Funds:
Mayor's Revolving Loan Program
Habitat for Humanity, CDBG Housing Funds
This strategy is currently in effect with the county's existing SHIP Assistance Plan. It
has served a number of clients with emergency health and safety situations requiring
immediate assistance. The strategy will continue to function on a timely client
response time to immediate health and safety issues. Where repairs are extensive,
home equity loans are pursued. This strategy now incorporates the Plan's Home
Ownership Contingency Strategy.
3. First Time Home Buyer Program
Fiscal Years: 1998-1999,1999-2000, and 2000-2001.
Client Base: Low Income and Moderate Income households.
Selection Criteria Application and Lottery System.
Recapture Provision: Funding secured by a mortgage and note. Due and payable
upon sale or transfer of property or at the end of thirty years whichever is first. Loans
are at zero percent and for a thirty year term. Mortgage/note are Fannie Mae
approved. Minimum 3% down. PITI cannot exceed 30% of the gross family income
unless their is agreement between the first mortgagee and the SHIP Administrator that
in meeting the program's fiduciary responsibilities a higher percent of gross family
income may be expended for PITI. Maximum loan amount is up to $20,000 per
property for eligible moderate income households and up to $36,000 per property for
eligible low income households. The property must be the principal and primary
residence of the borrower and eligible for homestead exemption status. Funding may
be for down payment assistance, closing costs, HQS rehabilitation requirements, and
reduction assistance of PITI front-end ratio to 30%.
Strategy Leverage Funds: Affordable Housing Program, First Mortgage Product.
Single Family, Mortgage Revenue Bond programs.
This is an existing SHIP strategy. Over 50% of all residential real estate sales in the
county have been secondary homes. This strategy allows for a small number of low
and moderate income residents to obtain home ownership and stabilize their
employment and community involvement. It is officially recognized that current state
imposed sales price maximums significantly limit the implementation of this strategy.
4. Home Ownership Development Strategy
(Acquisition, Construction, Permanent Financing)
Fiscal Years:
1998-1999,1999-2000, and 2000-2001.
Plan Page 5 of 28
Client Base: Governmental agencies, not for profit organizations with an active
501 (c) (3) status for the purpose of the development of affordable
housing and whose client base shall be very low and low income
households.
Selection Criteria: Initiation of SHIP FY application cycle on a first come-first
qualified basis until yearly funding expended. SHIP Administrator
must approved Developer's client selection process for compliance
with the SHIP Program.
Recapture Provision: Funds available for Development strategy shall be up to
$60,000 per approved unit. Upon the completion of the use of funds for acquisition
and construction financing, those funds required for permanent financing shall be
secured by a mortgage and note, due and payable upon sale or transfer of property or
at the end of thirty years whichever is first. Loans are at zero percent and for a thirty
year term. Mortgage/note are Fannie Mae approved. Minimum 3% down. PITI cannot
exceed 30% of the gross family income unless there is agreement between the first
mortgagee and the SHIP Administrator that in meeting the program's fiduciary
responsibilities a higher percent of gross family income may be expended for PITI.
The property must be the principal and primary residence of the borrower and eligible
for homestead exemption status. Funds required for permanent financing at the time of
closing may be for down payment assistance, closing costs, and reduction assistance
of PITI front-end ratio to 30%. All other development funds advanced to the
organization shall be returned to the local SHIP Trust Fund at the time of sale/closing.
5. Disaster Mitigation/Recovery Strategy (Home Ownership)
In the event of a state or federal disaster declaration affecting all or part of Monroe
County, the SHIP Administrator on behalf of the Board of County Commissioners shall
be authorized to:
1. Request and administer additional state funds to assist with disaster
mitigation/recovery .
2. Use unencumbered local SHIP funds to meet the priorities of the Disaster
Mitigation/ Recovery Strategy in an amount not to exceed twenty percent ( 20%) of the
state's annual SHIP funding allocation. Unencumbered funds are subject to state
program requirements from the allocated funding year.
3) Execute subordination documents of existing clients' SHIP mortgages and notes for
the purpose of refinancing to provide needed dwelling rehabilitation/reconstruction and
household goods replacement.
Priorities of this strategy are as follows: (Work completed under this strategy shall be
to required code)
Plan Page 6 of 28
1. Tree and debris removal required to make low income home ownership units
accessible to the low income occupants.
2 To locate temporary rental housing and provide required repairs to make the
units habitable for those home owners whose dwellings are uninhabitable and have
qualified for FEMA rental assistance.
3. Purchase emergency supplies to weatherproof damaged units occupied by low
income households and post disaster assistance for non-insured required household
repairs.
Fiscal Years:
Client Base:
Selection Criteria:
1998-1999, 1999-2000,2000-2001.
Very-low, low, median income households adjusted by family size.
Priority consideration to very-low and low income households on a
first come-first qualified basis per application verification.
Recapture Provision: Grant only. Up to $10,000 per qualified unit
(homeownership) Any subsequent reimbursement of local SHIP disaster mitigation
recovery funds from private, state or federal sources shall be used in accordance with
the approved Housing Assistance Plan strategies.
Strategy Leverage Funds: FEMA housing assistance, private insurance and state
disaster funds.
RENTAL STRATEGIES
1. Rental Construction. (new or rehabilitation). Annual rental housing
dedicated to very-low and low income eligible households.
Fiscal Years: 1998-1999,1999-2000, and 2000-2001.
Client Base: Very-low and low income households
Selection Criteria: Priority 1. Existing or proposed units participating under
state or federal rental assistance program.
Priority 2. Conversion of dwelling or non-dwelling
structures to annual rentals by not-for profits.
Priority 3. New or conversion of existing property to
annual rentals by for-profit entity.
Individual applicants of eligible sponsors under the listed priorities shall be selected on
a "first qualified" basis.
Recapture Provision: Up to $10,000 per rental unit. Where the entity applying is a
public agency with existing affordability criteria that is equal to or greater than the SHIP
Program rental criteria a copy of the executed affordability agreement accompanied by
an affidavit of compliance for a minimum of fifteen years shall be on file. Annual re-
certification of applicable tenants' income shall be provided to the SHIP Administrator.
Plan Page 7 of 28
Where the property is owned fee simple a fifteen year mortgage and note will be
placed on the property with the affordability criteria covenants. The mortgage shall be
forgiven 1/15th each year of compliance. Balance is due payable upon other use
conversion, sale or transfer of property. Mortgage and note may be assumed by new
owners accepting the covenants of the existing mortgage.
Strategy Leverage Funds: U.S. HUD CGP funding, HOME Rental funding.
CRA construction to permanent loan
Fannie Mae Investor Mortgage programs
FEMA Funding
This is an existing SHIP strategy that has been expanded to include new construction
as well as rehabilitation. Currently Group Homes have applied under this strategy.
They still will be able to compete under this strategy but now will have their own set-
aside.
2. Special Needs Housing, Group Home Construction. (new or rehabilitation).
Fiscal Years: 1998-1999, 1999-2000, and 2000-2001.
Client Base: Very-low and low income households.
Selection Criteria: Priority 1. Long-term care facility.
Priority 2. Highest percentage of very-low income clients.
Priority 3. First-time SHIP assistance.
Priority 4. Number clients served by facility.
(When applications should be ranked equal, a lottery
drawing will be conducted.)
Individual applicants of eligible sponsors under the listed priorities shall be selected on
a "first qualified" basis.
Recapture Provision: Assistance for one facility/one provider that is less than
$8,000 shall be in the form of a grant. Assistance for one facility/one provider that is
greater than $8,000 shall be in the form of a mortgage and note.
Annual re-certification of applicable tenants' income shall be provided to the SHIP
Administrator. Where the property is owned fee simple, a fifteen year mortgage and
note will be placed on the property with the affordability criteria covenants. The
mortgage shall be forgiven 1/15th each year of compliance. Balance is due payable
upon other use conversion, sale or transfer of properly. Mortgage and note may be
assumed by new owners accepting the covenants of the mortgage. Where the facility
is on leased property an annual affidavit of affordability and compliance shall be
provided to the SHIP Administrator. No one provider shall be eligible to receive more
than $24,000 in one fiscal year, unless there are not any other qualified applications.
Strategy Leverage Funds: State of Florida, Children and Family Services funds
U.S. HUD Grants, Foundation funds
This a new strategy. Previously Special Needs housing (group homes) applied under
the generic Rental Rehabilitation Strategy. The written SHIP application process will
be followed.
Plan Page 8 of 28
3. Rental Development Strategy
(Acquisition, Construction, Permanent Financing)
Selection Criteria:
1998-1999,1999-2000, and 2000-2001.
Governmental agencies or not for profit organizations with
an active 501 (c) (3) status for the purpose of the
development of affordable rental housing and whose client
base shall be very low and low income households.
Initiation of SHIP FY application cycle on a first come-first
qualified basis until yearly funding expended.
Fiscal Years:
Client Base:
Recapture Provision: Upon the completion of the use of funds for acquisition and
Assistance for one facility/one provider that is less than $6,500 shall be in the form of a
grant. The maximum per provider per unit shall be up to $50,000 with a total annual
amount not to exceed $100,000. Annual re-certification of applicable tenants' income
shall be provided to the SHIP Administrator. Where the property is owned fee simple,
a fifteen year mortgage and note will be placed on the property with the affordability
criteria covenants. The mortgage shall be forgiven 1/15th each year of compliance.
Balance is due payable upon other use conversion, sale or transfer of properly.
Mortgage and note may be assumed by new owners accepting the covenants of the
mortgage. Where the facility is on long term leased property (state minimum of 15
years) an annual affidavit of affordability and compliance shall be provided to the SHIP
Administrator.
4. Disaster Mitigation/Recovery Strategy (Rental)
In the event of a state or federal disaster declaration affecting all or part of Monroe
County, the SHIP Administrator on behalf of the Board of County Commissioners shall
be authorized to:
1. Request and administer additional state funds to assist with disaster
mitigation/recovery .
2. Use unencumbered local SHIP funds to meet the priorities of the Disaster
Mitigation/ Recovery Strategy in an amount not to exceed twenty percent ( 20%) of the
state's annual SHIP funding allocation. Unencumbered funds are subject to state
program requirements from the allocated funding year.
3) Execute subordination documents of existing clients' SHIP mortgages and notes for
the purpose of refinancing to provide needed dwelling rehabilitation/reconstruction and
household goods replacement.
Priorities of this strategy are as follows: (Work completed under this strategy shall be
to required code)
Plan Page 9 of 28
1. Tree and debris removal required to make low income rental and home
ownership units accessible to the low income occupants.
2 To locate temporary rental housing and provide required repairs to make the
units habitable for those residents ( renters) whose dwellings are uninhabitable and
have qualified for FEMA rental assistance. Rents of assisted units shall not exceed the
SHIP program's established rents.
3. Purchase emergency supplies to weatherproof damaged units occupied by low
income households and post disaster assistance for non-insured required household
repairs.
Selection Criteria:
1998-1999, 1999-2000, 2000-2001.
Very-low, low, median income households adjusted by
family size.
Priority consideration to very-low and low income households on a
first come-first qualified basis per application verification.
Fiscal Years:
Client Base:
Recapture Provision: Grant only. Up to $10,000 per qualified unit (rental).
Any subsequent reimbursement of local SHIP disaster mitigation recovery funds from
private, state or federal sources shall be used in accordance with the approved
Housing Assistance Plan strategies.
Strategy Leverage Funds: FEMA housing assistance, private insurance and state
disaster funds.
5. Rental Contingency Strategy. Under rental Strategy 1 both new and
rehabilitation rental opportunities are available. Previous use of this strategy has
expended all of the strategy allocated funds. Should future implementation of this
strategy indicate otherwise, the contingency strategy would expand the use of this
strategy to moderate income. Should the contingency strategy become necessary it
will be adopted by Amendment to the Plan.
Monroe County's Affordable Housing Incentive Plan Strategy. (Updated as of
July 1999)
The County Commission has reviewed the goals and progress of its previously adopted Housing
Incentive Plan and documented these goals and progress in its SHIP Annual Reports to the State
of Florida. Implementation of the incentives have been recorded where actions of the BOCC and
the members of the SHIP Partnership have directly affected the implementation of the Housing
Incentives Plan. The County's Housing Incentive plan has been updated through July 1999, as
to Monroe County's status of completion and compliance in accordance with the County
Resolution 51-1998 and all subsequent BOCC approved Plan amendments. Copies of the
County's Three Year Local Housing Assistance Plan, its Housing Incentive Plan and all Plan
amendments have been made available countywide through the public library system.
Plan Page 10 of 28
State's Consideration #1. The affordable housing definition in the appointing resolution.
a) MCHIP Recommendation #1. No Action recommended.
Status:
09/22/92. Section 9.5-4 (a-5) County Code "Housing which is financially accessible to a household with
an income of no greater than one hundred twenty (120) percent of the median adjusted gross household
income for Monroe County at a cost (rent, mortgage, loans, taxes, insurance) of no greater than (30) per
month for the above mentioned income threshold. The dwelling unit must also met the minimum
property standards set forth by the Department of Housing and Urban Development".
11/22/94. BOCC Resolution 374-1994. Directing staff to prepare the applicable administrative and
policy changes to permit successful utilization of County's dwelling unit allocation affordable residential
permit allocation system for the very-low to moderate income residents of Monroe County.
10/16/96. Monroe County Comprehensive Plan Land Authority Resolution 06-1996, appropriating funds
for the Acquisition of real property to implement Monroe County's Plan 2000, the Housing Element of
Project Independence, and provide affordable housing in cooperation with the Monroe County and Key
West Housing Authorities. Affordable Housing definitions by program detailed in Plan 2000, HOME,
SHIP, L1THC, CDBG.
Additional Action: None Required under State Consideration #1 and MCHIP Rec. #1.
-----------------------------------------------------------------------
State's Consideration #2. Expedited processing of permits for affordable housing projects.
a) MCHIP Recommendation #2. Unused allotment of permits for affordable housing set-aside units
should be rolled over and accumulate each year.
b) MCHIP Recommendation #3. Issue available rollover permits without going through ROGO
process
c) MCHIP Recommendation #4. Fewer requests for affordable housing permits, issue permits
without ranking them.
d) MCHIP Recommendation #5. Ombudsman should be provided by Planning Dept. to assist
people in applying for AFFORDABLE HOUSING permits.
Status:
MCHIP Recommendations #2, #3, and #4, have been incorporated by County Planning staff in the
County's proposed draft Land Development Regulations currently under review with DCA.
MCHIP Recommendation #5. Assigned Planning Department staff. Addressed by staff briefings and
printed application information.
Additional Action: State Recommendation #2, MCHIP Rec. #2, #3, & #4 pending LOR review
completion and adoption process estimate completion 1998.
None Required under MCHIP Rec. #5.
State's Consideration #3. Modification of impact fee requirements, including reduction or waiver
of fees and alternative methods of payment.
a) MCHIP Recommendation #6. Any reduction in impact fees for AFFORDABLE HOUSING is
made with corresponding increase in impact fees for non-affordable housing.
b) MCHIP Recommendation #7. Ask BOCC to request FI. Keys Aqueduct Authority waive fees for
affordable housing projects.
Status:
09/22/92. Affordable Housing, County Code, Incentive III, A. Impact Fees (Sec. 9.5-491 through 9.5.495.
Affordable Housing exempt from payment of fair share impact fees.
1995. Florida Keys Aqueduct Authority Policy specifies affordable housing impact fee exemption.
Additional Action: None Required under State Consideration #3 and MCHIP Rec. #6 & #7.
------------------------------------------------------------------------------------------------------------------------------------------
Plan Page 11 of 28
State's Consideration #4. The Allowance of increased density levels.
a) MCHIP Recommendation #8. Increase density levels in SC Zones to allow for density in UC
zones.
b) MCHIP Recommendation #9 Parcels an acre+, allow for accessory dwelling unit to be built
which is 35% of the total footage of the primary dwelling unit or 500 SF, whichever is less.
c) MCHIP Recommendation #10 Allow future conversion of existing transient units to affordable
residential units, while maintaining their existing non-conforming density levels and their present
FEMA conditions.
d) MCHIP Recommendation #11 When density allows, allow for adjoining lots in IS neighborhoods
to be replatted as one lot and permit construction of duplex rather than 2 single family homes.
Status:
09/22192. Affordable Housing, County Code, Density (Sec. 9.5-266) Increased density to 25 dwellings per
acre in UR. Attached or detached affordable housing units may be developed in all other land use
districts up to the net maximum density.
Additional Action: None Required under State Consideration #4 and MCHIP Rec. #8, #9, #10, &11.
State's Consideration #5. The reservation of infrastructure capacity for housing for very low and
low income persons.
a) MCHIP Recommendation #12 No action recommended to be taken.
Status:
Infrastructure requirements are site specific, unless there is an area-specific moratorium. Water and
electric infrastructure under separate legal entities.
Additional Action: None Required underState Consideration #5 and MCHIP Rec. #12.
State's Consideration #6. Transfer of development rights as financing mechanism for housing
for very low and low income persons.
a) MCHIP Recommendation #13 No action to recommended to be taken.
Status:
Monroe County has TOR provisions, but in essence, awards fee TORs to affordable housing projects by
means of density bonuses.
Additional Action: None Required under State Consideration #6 and MCHIP Rec. #13.
----------------------------------------------------------------------------------...-------------------------...---------------------
State's Consideration #7. Reduction of parking and setback requirements.
a) MCHIP Recommendation #14 Incorporate a mechanism that does not discourage the
development of affordable housing in commercial areas by strict setback req'ts. or parking limitations.
Status:
County code allows for sharing of parking spaces. Currently, DCA and County in ROGO discussions on
the feasibility of allowing affordable housing units to be built on existing commercial structures (inclusive
of parking and setback requirements.)
Additional Action: State Consideration #7 and MCHIP Rec. #14.
State's Consideration # 8. The allowance of zero-lot line configurations.
a) MCHIP Recommendation #15 No action taken to modify present county regulation.
Status:
Monroe County allows for zero-lot line configuration for single family homes and therefore are permitted
as of right in nearly every residential zoning district.
Additional Action: None Required under State Consideration #8 and MCHIP Rec. #15.
Plan Page 12 of 28
State's Consideration #9. Modification of street requirements.
a) MCHIP Recommendation #16 No action taken to modify present county regulation.
Status:
Monroe County has provisions to vary street requirements, and allows private streets to be built at the
appropriate standards for traffic usage.
Additional Action: None Required under State Consideration #9 and MCHIP Rec. #16.
--------------------------------------------------------------------------------------------------------
State's Consideration #10. Establishment of a process by which a local gov't. considers
before adoption, policies, procedures, ordinances, regulation, or plan provisions that have a
significant impact on the cost of housing.
a) MCHIP Recommendation #17. Consensus to have county implement State's Consideration #10
Status:
County addresses where feasible state's consideration #10. All County resolutions and ordinances have
a cost analysis section to them. Specific to affordable housing the county has waived impact fees for
affordable housing, building permit fees for very-low and low income homeowner participating in
affordable housing programs (Le., CDBG, Elderly Homeowner Emergency Repair, SHIP). In
consideration of adoption of Ordinance 03-97 (Cesspool elimination requirement and installation of an
ATU system.), the County provided funding sources for very-low and low income homeowners under
Resolution 257-1997.
Additional Action: None Required under State Consideration #10 and MCHIP Ree. #17.
State's Consideration #11. Preparation of a printed inventory of locally owned publie lands
suitable for affordable housing.
a) MCHIP Recommendation #18. Monroe County Housing Authority shall coordinate annual
preparation of printed inventory of locally owned lands (federal/state)
Status:
The Monroe County Comprehensive Plan Land Authority provides an annual inventory of such lands to
the BOCC and State of Florida.
Additional Action: None Required under State Consideration #11 and MCHIP Rec. #18.
State's Consideration: Other.
a) MCHIP Recommendation #19. Qualify affordable status at initial occupancy and change of
occupancy only.
b) MCHIP Recommendation #20. Federal and state agencies must directly contribute to the
provision of affordable housing in the form of an annual fee or buildable land because of their
increasing numbers of employees having a direct housing impact.
c) MCHIP Recommendation #21. Change the affordable housing set-aside from 20% of buildable
d) MCHIP Recommendation #22. Land Authority shall actively pursue, identify and purchase lands
suitable for affordable housing.
Status:
MCHIP Rec #19. The County is following all the requirements of income verification as pertains to the
CDBG, SHIP, HOME-rental, HOME-ownership programs.
MCHIP Rec #20. Would require state statute. Funding mechanisms in place for state and federal
impact services funding.
MCHIP Rec #21 Would require BOCC and DCA concurrence and a revised LDR to Comprehensive
Plan and agreement of the legally designated intervening parties to the Comprehensive Plan.
MCHIP Rec #22 10/16/96, Resolution 06-1996 Monroe County Comprehensive Plan Land Authority
appropriating funds for the acquisition of real property to implement Plan 2000 and provide affordable
housing in cooperation with the Monroe County and Key West Housing Authorities.
Additional Action: None Required under State Consideration (Other) & MCHIP Rec. #19, #20, 21,
and #22..
Plan Page 13 of 28
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VI. AFFORDABILlTY
a. Home Ownership.
1. The Income limits shall be adjusted for household size and shall be in the
amounts allocated for Monroe County as published annually by the Florida Housing
Finance Corporation for participation in the State Housing Initiatives Partnership
Program.
Published by the Florida Housing Finance Corporation as of January 27, 1999
Monroe County: Median Income $49,000
# in Household 1 ~ ~ ~
% of Median Inc.
50%Very-Low 17,150 19,600
80% Low 27,450 31,350
120% Moderate 41,160 47,040
~
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22,050 24,500 26,450 28,400 30,400 32,350
35,300 39,200 42,350 45,450 49,600 51,750
52,920 58,800 63,480 68,160 72,960 77,640
2. The housing debt of Principal, Interest, Taxes and Insurance (PITI) shall not
exceed 30% of the area median income adjusted by household size unless the first
mortgagee and the SHIP Administrator agree based on fiduciary responsibilities that
the percent of gross household income may exceed 30%. (A number of community
lending programs requiring a minimum of 3% to 5% down use house payment ratios of
33% and total debt ratio of 38% and will adjust on individual cases.)
b. Rental.
1. Monthly Rental Rates of units shall be adjusted to bedroom size as established
for Monroe County by the State Housing Initiatives Partnership Program and published
annually by the Florida Housing Finance Corporation.
Published by the Florida Housing Finance Corporation as of January 27, 1999
SHIP, 1999 Rents for Monroe County Adjusted to Unit Size.
Bedroom Size Eft. 1 ~ ~ ~
% of Median Inc.
50% Very Low $428 459 551 636 710
80% Low $686 735 882 1,019 1, 136
120% Moderate $1,029 1 ,1 02 1,323 1,528 1 ,708
VII. ADVERTISEMENT AND OUTREACH
a. Applications will continue to be placed in all county libraries which provides
ready access to all county residents. Applications may also be requested directly the
Special Programs Office.. Availability of applications will also be advertised on the'
Monroe County bulletin board that appears on cable TV countywide. Radio PSAs will
be issued. News releases will be furnished to the countywide newspapers.
Plan Page 15 of 28
b. The county will place a display advertisement in a daily newpaper of major
countywide circulation announcing the availability of funding through the local Housing
Assistance Program by strategies and location of appliations at least 30 days prior to
the beginning of "each year's" application period.
VIII. ADMINISTRATIVE EXPENSES
a. The Monroe County Local Housing Assistance Plan shall be continued to be
administered by the Special Programs Office, Monroe County Housing Authority,
pursuant to the Governmental Interlocal Agreement approved by BOCC Resolution
162-1993, April 14, 1993, until further written notification to the Florida Housing
Finance Corporation by the Board of County Commissioners, Monroe County. The
Director of the Special Programs Office shall be Monroe County's official SHIP
Program Administrator responsible to the Florida Housing Finance Corporation's SHIP
Program, until further written notification from the County Administrator. The SHIP
Administrator shall:
(1) be responsible for the implementation of the Local Housing Assistance Plan and
to meet the county's responsibilities under the State Housing Initiatives Partnership
Program's regulations and reporting requirements. At a minimum this consists of:
· A minimum of 65% of annual SHIP funds must be spent on eligible home ownership
activities
· A minimum of 75% of funds must be spent on eligible construction activities.
· At least 30% of the annual allocation must be reserved for very low-income
households (up to 50% of median income)
· An additional 30% of the annual allocation must be reserved for low-income
households (51 % to 80% median income)
· SHIP funds may not be used to assist mobile homes or manufactured housing;
unless the manufactured buildings are approved and permitted by DCA insignia.
· Maximum Purchase Price must not exceed 90% of Monroe County's Median Area
Purchase Price as established by U.S. Dept. of Treasury or as approved by FHFC.
(2) after 90-calendar days from the publication of local Housing Assistance Funding
Availability, have the authority to re-allocate the SHIP dollars within the specific HOME
OWNERSHIP STRATEGIES and within the specific RENTAL STRATEGIES as the
Administrator deems necessary to meet actual needs of applications received without
SHIP Plan amendment or BOCC budget revision approval based on timely compliance
with the applicable state SHIP Rule and Florida Statute, to meet the requirements of a
minimum expenditure of 65% of annual SHIP allocations on HOME OWNERSHIP, 75%
on Construction, 30% of annual SHIP allocations on very low income recipients and
additional 30% of annual SHIP allocations on low income recipients.
(3) have the authority to modify any line item in the proposed administrative budget
to reflect the actual required program expenditures up to the 10% of SHIP allocated
funds allowed for administration without additional BOCC approval.
Plan Page 16 of 28
b. The previous experience of implementing numerous strategies countywide has
provided a sufficient finding that five (5%) percent of the Local Housing Distribution is
insufficient to adequately pay administrative costs of the SHIP Program and the sacc
recognizes and approves the maximum amount allowable of ten percent (10%) of the
Local Housing Distribution to be used for required administrative costs. Any
applicable program income/recaptured funds shall be subject to a five percent (5%)
administrative costs in their re-allocation to eligible clients through approved
strategies. The sacc shall consider any additional expense required to administer the
local Housing Assistance Plan during its annual budget process. The SHIP
administrative funds shall be allocated as follows:
MONROE COUNTY, LOCAL HOUSING ASSISTANCE PLAN
STATE FISCAL YEARS, 1998-1999, 1999-2000, 2000-2001
Administrative Expenditure Budget per State Fiscal Year
REFLECTS INCREASED STATE FUNDING AS OF JUNE 1999, BASED ON 10% ADMINISTRATIVE
FUNDING PER FY STATE SHIP ALLOCATION AMOUNT.
Description Revised
Salaries, Administrator
Salaries, Programs Coord.
Salaries, Fin. Admin. (Bookkeeping)
Employee Benefits (28%)
Advertisement( s)
Printing/Copying
Postage/Expo Delivery
Phone
Supplies
Rent
TOTAL:
FY 1998-1999
$12,000
28,000
14,500
15,260
750
900
490
500
600
2.400
$75,367
IX. CERTIFICATION PAGE
Included in the executed Plan.
FY 1999-2000
$ 8,000
21,000
13,000
11 ,760
1.050
982
490
500
600
3,000
$60,382
FY 2000-2001
$ 8,000
21 ,000
13,000
11 ,760
1,050
982
490
500
600
3,000
$60,382
X. ADDITIONAL REQUIRED INFORMATION
The additional information is included in the Plan and the sacc Resolution.
XI.
SUPPORT SERVICES
Home Ownership Counseling.
Home ownership counseling provides required Community Lending Education
SeminarslWorkshops/Sessions, Fair Housing SeminarslWorkshops/Sessions, Client
Credit Counseling and Mortgage Product availability to clients. Seminars/workshops
are conducted throughout the Keys (Upper, Middle and Lower). It is anticipated there
will be approximately fifteen seminars/workshops/sessions to address various topics
of Community Lending Programs, Mortgage Revenue Bonds, Fair Housing, Credit
Counseling, Lease/Purchase options RaGa requirements for new construction
permitting and cesspool replacement requirement procedures. First time home buyer
sessions will be provided directly on campus to Campus South low income clients.
Plan Page 17 of 28
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CERTIFICATION TO
FLORIDA HOUSTNG FINANCE CORPORA.ITON
Local Govemwenc: Monroe Count:v County/City
(l) Tne local govemrnent will advertise ehe a....ailability of SHIP funds pursuant to Florida Statutes.
(2) All SHIP funds wiI! be expended in a manner which \,.,ill insure that there wiI! be no
discrirnin.leion on th,e basis of race, cred, color, age, sex, fa!nilial stacus, handicap, religion, or national
ongrn.
(3) A process for selection of recipients for funds has been developed.
(4) Tee eligible municipality or county has developed a qualification system for applications for
awards.
(5) Recipients offunds will be required co contractually commie to program guidelines.
(6) The Florida Housing Finance Corporaeion wiI! be notified piOmptly ifehe local goverrunenc (or
ineerIocal entity) will be unable co comply wieh the provisions the pla.'1.
(7) The Local Housing Assistance Pliln shaIl provide for the expenditure of SHIP funds within 24
months foIIowing the end ofehe Seate fiscal year in which they are received.
. (8) The pla.'1 conforms to the Local Goveml"nenc Comprehensive Plan, or thae an amendment to the
Local Governrnenc Comprehensive Pb.n will be inieiated ae the next available opportuniey co insure
confor:maz1ce with ehe Local Housing Assiseance Plan.
(9) .4....-nendmenes co the approved Local Housing Assistance Plan shall be provided to the Corporaeion
'.vieh in 21 days after adoption.
(10) The t.-:.rst f:..:nd shall be established \I,'ith a qualified de.Josica~1 for all SHIP funds as weIl as
----':""S G~-~"'-"~~ f'--..~.. :\'-"'lo"I-t:..S S.,C'" .,s ';-'!.~-~s. ~':2--"~"'; 0 j'o~~'-
,"U,,_: .:=-..-.~,-'" ,!"..: '-'-" l... '_:: '"' lL._._ ,..._,,_... i1 "'-..).
(1 I) ~ -,....."""":~- "','" c'''Ji""ls:r i...... .:.:~ 1("'c::f hi;'~~,-:C' "'~-;_.:]~c~ ii'S. ~-",-",~ ,'-~rj ',,.:10 r-4,',Jo ..3~ as :"i.;:o~;:-7~""; ~',,'
. ....__..".)..... -...... ... L......J -. "\._-'''':= Co..).::>._. _ "_ "._.._ ..._. c.. .." .s.__ ;.-..........__ l.,..
12. .....,
(11) T[:~ i J:2.! ::;J~s:....g 2.55:5:2.,,::: [;:~5: r~:-:: s:-:::.!! c:: 5::.~2.;2.:::i:.. S:2.:::: 25 2. S~::::2.! r::ve:-:~:: f.!.:-:c ic: [::::
lcc! fJ:'~;:-_-:-:::."':5 2.'~:i:::::: :::".2..,C:::': 5:2:::.-:-::::-::5, CO.::::5 of t::e 2.~'.:i:s "';li1 ce fJ~.';2.:-c.~.: [0 c:...::
Crj--,,"""'I-.,.;,.......... ..,s 5"'0'" ~S 2./~:i~'-;!'o:a.
._..-......--~.'-.. '- \.".., '- '-..--.....'-.
I
_ (1') ..:...; :....::::-10.:::.: ::,...:;::1 sh2.!! ,~2'::: ::s Ice:.! l-:c~5i,;g 2.5515:2....::= :;"1~s: f~.,d s::;;2.;2.::::::
..,..~ ~---'I' ,,~-- .,... ~ ,.:,~ ~t',r;c PJ'-"v"-"';~,......' '"" :...~ C ....-.. -"]~;..,- ..,,.. ,-'hl
Ii s,"~_, .h_. .. --', "..C '''- "--. . .. ~ ___ tc t.._ 0, yO, -.,on "' soon "' pOS"c ~.
~!
2.!J.:ic~d for e.:J.ch
PLA~ PAGE 21 of 28
Page 2
Ce~ificaeion
(14) SHIP f..lnds \\Iill noe be pledged for d~be se:-vice on bonds or as re:1e subsidies.
(I j)
Develope:s receiving assis.ance from bOl~ SHIP and l~e Low Income Housing Ta.'{ Credie
(UHTC) P,ogra.'I1 shall coop!y with the income, affordability a.'1d oe.1er LIHTC require:-nenrs,
SimiIa.rly, a!1Y units receiving assistance from ocher federal programs shall comply \\lith all
Federal and SHIP prograrn requirements.
.0-;
(16) Loans shall be provided for periods noe 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 rehab~litated with SHIP funds shall be monitored at least annuaIIy for
15 years for compliance wie., tenant income requirements an4 affordability requirements.
r
~-
\Vimess
\Vi cness
4/'BICfcr>
I J
Jack London, Mavor/Chairman
Typ~ Name a.'1d Title
Date
OR
~
Ar.ES~ 0NHfl.1DJWX euNC
BY 11 LC..CLO).VA \)..-
c=.~c:..s~ '-J
RC;BER~
0;,,:: L.L' N, w~ -..:..:..
~~
a~::~S::
( :::;,~~ 1\
.....--. )
PLAN PAGE 22 of 28
RESOLUTION NO.
A RESOLUTION ADOPTING AND APPROVING AMENDMENT THREE
TO THE MONROE COUNTY'S STATE HOUSING INITIATIVE
PARTNERSHIP (SHIP) LOCAL HOUSING ASSISTANCE PLAN FOR
STATE FISCAL YEARS 1998-1999, 1999-2000, AND 2000-2001
WHEREAS, Monroe County and the Florida Housing Finance Corporation has
approved the County's State Housing Initiative Partnership (SHIP) Local Housing
Assistance Plan for State Fiscal Years 1998-1999, 1999-2000, 2000-2001 inclusive of
amendments one and two; and
WHEREAS, the County may amend the Plan in accordance with Florida Statute
Chapter 420; and
WHEREAS, the additional receipt of state funds, current state requirements for
expenditure of funds for very-low and low income households, current housing market
and costs for new/rehabilitation construction requires an amendment to the Plan; and
WHEREAS, the SHIP Administrator on behalf of the County has conducted three
public hearings to consider the proposed attached Amendment Three.
NOW THEREFORE BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY, FLORIDA THE FOLLOWING SECTIONS
ARE HEREBY ADOPTED AND APPROVED:
Section 1. The attached Monroe County Local Housing Assistance Plan for the
State Fiscal Years 1998-1999, 1999-2000, and 2000-2001 as amended per
Amendment Three which incorporates previous Amendment One and Amendment Two.
Section 2, The Chairman of the Board of Commissioners, on behalf of Monroe
County, is granted the authority to execute all documents and certifications that may be
required for submission and approval of the amended Local Housing Assistance Plan
to the Florida Housing Finance Corporation and any applicable required changes that
may be forthcoming from the Florida Housing Finance Corporation's review and
approval process.
Resolution Page 1 of 3
PLAN PAGE 23 of 28
Section 3. The maximum award schedule as listed in the Plan is hereby amended
for state's FY 1998-1999, 1999-2000 and 2000-2001 funding as follows:
Home Owner Strategy (1) Required Cesspool Replacement
Current Average Costs inclusive of Permitting:
(as of January 1, 2000)
Maximum SHIP Dollars per unit supplemental funding
Est. Minimum # of Units to be addressed per 3-yr. plan
(based on supplemental funding to other source funding)
( estimated SHIP assistance $8,000-$10,000 per unit)
Home Owner Strategy (2)Rehabilitation/Emergency Repair
Average Costs:
Maximum SHIP Dollars per unit (very-low income households)
(low-income households)
Est. Minimum # of Units to be addressed per 3-yr. plan
Home Owner Strategy (3) First Time Home Buyer Program
Average Costs
Maximum SHIP Dollars per unit for moderate income
Maximum SHIP Dollars per unit for low income
Est. Minimum # of Units to be addressed per 3-yr. plan
Home Owner Strategy (4) (Development not-for-profit)
Average Costs
Maximum SHIP Dollars per unit for very lowllow income
Est. Minimum # of Units to be addressed per 3-yr. plan
Home Owner Strategy (5) Disaster Mitigation/Recovery
Average Costs
Maximum SHIP Dollars per unit for very lowllow income
Est. Minimum # of Units to be addressed per 3-yr. plan
(Based on actual disaster/supplemental SHIP funding)
$11,000
$16,000
$18,000
30
$15,000
$35,000
$25,000
15
$120,000
$20,000
$36,000
24
$120,000
$60,000
6
$10,000
$10,000
Yr. 1 10
Yr. 2/3 N/A
Rental Strategy (1) Rental Construction (new/rehabilitation)
Average Costs:
Maximum SHIP Dollars per unit
Est. Minimum # of Units to be addressed per 3-yr. plan
Rental Strategy (2) Special Needs Housing,
Group Home Construction (new/rehabilitation)
Average Costs:
Maximum SHIP Dollars per unit
Est. Minimum # of units to be addressed per 3-yr. plan
Resolution Page 2 of 3
PLAN PAGE 24 of 28
$10,000
$10,000
15
$6,000
$8,000
15
Rental Strategy (3) New Development (not for profit)
Average Costs:
Maximum SHIP Dollars per unit
Est. Minimum # of units to be addressed per 3-yr. plan
Rental Strategy (4) Disaster Mitigation/Recovery
Average Costs
Maximum SHIP Dollars per unit for very low/low income
Est. Minimum # of Units to be addressed per 3-yr. plan
(Based on actual disaster/supplemental SHIP funding)
$100,000
$50,000
6
$10,000
$10,000
Yr. 1 6
Yr. 2/3 N/A
PASSED and ADOPTED, by the Board of County Commissioners of Monroe County,
Florida, at a regular meeting of said Board held on the day
of
BOARD OF COUNTY COMMISSIONERS
OF MONROE COUNTY
(SEAL)
ATTEST
By:
Wilhelmina Harvey, Mayor/Chairman
Danny Kohlage, Clerk of the Court
Mayor
Mayor Pro T em
Commissioner
Commissioner
Commissioner
Reviewed for Legal Sufficiency
Resolution Page 3 of 3
PLAN PAGE 25 OF 28
Harvey
Freeman
Nugent
Reich
Williams
_.
~;
,
.
.-
-t-:
.'
t
~.
~~.
RESOLUTION NO. 151-1998
A RESOLUTION ADOPTING AND APPROVING MONROE
COUNTY'S STATE HOUSING INITIATIVE PARTNERSHIP
LOCAL HOUSING ASSISTANCE PLAN FOR FISCAL YEARS
1998-1999,1999-2000, AND 2000-2001 AND OTHER
REQUIRED APPROVALS
WHEREAS, Monroe County is designated to receive funds from the STATE
HOUSING INITIATIVE PARTNERSHIP (SHIP) Program for the purpose of the
development and implementation of Affordable Housing programs; and
WHEREAS. the program provides for the allowance of up to ten (10) percent of
the funds for administrative expenses, when approved by resolution; and
I .
WHEREAS. the, Monroe County Board of County Commissioners is required to
approve the plan and submit it for review and approval to the Florida Housing Finance
Corporation.
NOW THEREFORE BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY, FLORIDA HEREBY APPROVES:
Section 1. The attached Monroe County Local Housing Assistance Plan for the Fiscal
Years 1998-1999, 1999-2000, and 2000-2001.
Section 2. The finding that five (5%) percent of Local Housing Distribution is
insufficient to adequately pay the administrative costs of the SHIP Program and the need
and approval for administrative expenses of ten percent (10%) allolNabfe by the SHIP
Program to assist in the county-lNide implementation of the Local Housing Assistance
Plan.
Section 3. The Chairman of the Board of Commissioners, on behalf of Monroe County,
is granted the authority to execute all documents and certifications required for the
submission and approval of the Local Housing Assistance Plan to the Florida Housing
Finance Corporation and any applicable required changes that may be forthcoming from
the Florida Housing Finance Corporation's reviev'I and approval process,
Secticii C, The continued administration of the Local Housing F.ssistaiice Plan by t,"le
S,ceci2! Programs Office, Monroe County Housing P-.uthcrity, pursuaiit to the
Gover,:fiien:a! Interlocal Agreement a,:Jproved by SOCC Resolution 152-1993. April 1 c,
. cC'J R-'" . _,' ; t' 0' ., S . I P 0'" 'C' '
1_ _..; ,::;-._eslgnc::don 01 ne Irecter Gi tle cecr2 rocrams iiice as tne oun,y s
Sril P PiJgram F,criiinistrator to be the countv's r~'.Jresentat0/e res:onsibie to the Florida
HOL:s;,<~ Fir,2i1ce Cor,:oration's SHIP progr2i~. ' .
PLAN PAGE 26 of 28
R~sal~=ia~ Pag~ i of 2
~-
Section 5. The maximum award schedule as listed in the Plan
Home Owner Strategy (1) Cesspool Replacement Requirements 1998-2001
Average Costs: $10,000
Maximum SHIP Dollars per unit $12,000
Minimum Number of Units to be addressed 45 units through 2001
Home Owner Strategy (2) Emergency Repair 1998-2001
Average Costs: $ 4,000
Maximum SHIP Dollars per unit $ 4,900
Minimum Number of Units to be addressed 27 units through 2001
Home Owner Strategy (3) First Time Home Buyer 1998-2001
Average Costs $120,000
Maximum SHIP Dollars per unit $ 18,000
Minimum Number of Units to be addressed 24 units through 2001
Rental Strategy (1) Rental Construction (new/rehabilitation) 1998-2001
Average Costs: $ 10,000
Maximum SHIP Dollars per unit $ 4,800
Minimum Number of Units to be addressed 51 units through 2001
Rental Strategy (2) Special Needs Housing,
Group Home Construction (newirehabilitation) 1998-2001
Average Costs: $ .6,000
Maximum SHIP Dollars per unit $ 4,900
Minimum Number of Units to be addressed 24 units through 2001
PASSED and ADOPTED, by the Board of County Commissioners of Monroe County.
Florida. at a re ular meeting of said Board held on the 8th day of April, 1998.
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BOARD OF COUNTY COMMISSIONERS ,
OF MONROE COUNTY
(SEAL)
ATTEST
~
Mayor London ~
Mayor Pro Tem Harvey }~
Commissioner Douglass :,t~ 5
Commissioner Freeman yes
Commissioner Reich yes
Reviewed for Legal Sufficiency
Resolutio~ Pag~ 2 of 2
PLAN PAGE 27 Of 28
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
INFORMATION SHEET
Effective September 1, 1999
LOCAL GOVERNMENT:
Monroe County
CHIEF ELECTED OFFICIAL:
Wilhelmina Harvey, Mayor
Board of County Commissioners
ADDRESS:
310 Fleming Street
Key West, Florida 33040
SHIP CONTACT PERSON:
Manuel Castillo,
SHIP Administrator
Special Programs Office
1403 12th Street
Key West, Florida 33040
Phone: (305) 292-1221
Fax: (305) 292-1162
E-mail :catertla),K WHA.org
ADDITIONAL SHIP CONTACT
Richard C. Casey, Jr.
SHIP, Programs Coordinator
1403 12th Street
Key West, Florida 33040
Phone: (305) 292-1221
Fax: (305) 292-1162
E-mail :caseyrla),KWHA.org
INTERLOCAL AGREEMENT:
No
MONROE COUNTY,
FEDERAL ID NUMBER:
59-6000749
MAIL DISBURSEMENTS TO:
Monroe County, Finance Department
500 Whitehead Street
Key West, Florida 33040
Attention: Tina Boan
Plan, Page 28 of28