HomeMy WebLinkAboutItem N5 N5
BOARD OF COUNTY COMMISSIONERS
COUNTY of MONROE Mayor James K.Scholl,District 3
The Florida Keys Mayor Pro Tern Michelle Lincoln,District 2
Craig Cates,District 1
David Rice,District 4
Holly Merrill Raschein,District 5
Board of County Commissioners Meeting
September 10, 2025
Agenda Item Number: N5
2023-4453
BULK ITEM: Yes DEPARTMENT: Social Services
TIME APPROXIMATE: STAFF CONTACT: Cathy Crane
N/A
AGENDA ITEM WORDING: Approval of BOCC Resolution for an Amendment to the Local
Housing Assistance Plan(LHAP)pursuant to the Monroe County Affordable Housing Advisory
Committee (AHAC) Resolution No. 02-2025 updating the "Shared Appreciation"provision and
"Default" language.
ITEM BACKGROUND:
The existing Monroe County Local Housing Assistance Plan(LHAP) must be amended to update the
"Shared Appreciation"provision to include refinancing language and clarify the definition of
appreciated value specific to refinancing, and to update the "Default" language to include homestead
exemption requirements as approved by the membership of the Affordable Housing Advisory
Committee.
PREVIOUS RELEVANT BOCC ACTION:
The BOCC approved the existing LHAP at the 06/18/2025 meeting.
INSURANCE REQUIRED:
No
CONTRACT/AGREEMENT CHANGES:
Updating the "Shared Appreciation" provision and "Default" language.
STAFF RECOMMENDATION: Approval
DOCUMENTATION:
Monroe 2025-2028 LHAP w ExibitsJM Revised 8.21.2025 CLEAN FOR APPROVAL.pdf
BACI,UP Resolution 230-2025.pdf
AHAC.Resoltio .02.2025.pdf
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FINANCIAL IMPACT:
None
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RESOLUTION - 2025
A RESOLUTION OF THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY, FLORIDA
APPROVING AN AMENDMENT TO THE LOCAL HOUSING
ASSISTANCE PLAN (LHAP) PURSUANT TO MONROE
COUNTY AFFORDABLE HOUSING ADVISORY
COMMITTEE RESOLUTION NO. 02-2025
WHEREAS, Monroe County participates in the State Housing Initiatives Partnership
Program (SHIP) and is a recipient of funding for its affordable housing programs and activities;
and
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable Housing
Act,pursuant to Chapter 92-317,Laws of Florida, allocating a portion of documentary stamp taxes
on deeds to local governments for the development and maintenance of affordable housing; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, Sections 420.907-
420.9079, Fla. Stat., and Rule Chapter 67-37, Florida Administrative Code, requires local
governments to develop a one (1)- to three (3)-year Local Housing Assistance Plan
(LHAP)outlining how funds will be used; and
WHEREAS, Rule 67-37.006 allows for the amendment of a local housing assistance plan
by resolution which will be subject to review by the Florida Housing Finance Corporation; and
WHEREAS,the Affordable Housing Advisory Committee met on August 29th,2025, and
adopted resolution No. 02-2025 recommending that the Board adopt the Incentive Strategies
portion of the LHAP contained in Exhibit A of the resolution; and
WHEREAS,Monroe County desires to amend the existing Monroe County Local Housing
Assistance Plan to update the Shared Appreciation provision to include refinancing language and
clarify the definition of appreciated value specific to refinancing and to update the Default
language to include homestead exemption requirements approved by the membership of the
Affordable Housing Advisory Committee.
NOW THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY, FLORIDA that:
Section 1: That the Monroe County Board of County Commissioners hereby approves the
Amended Monroe County Local Housing Assistance Plan ("LHAP") for fiscal
years 2025-2026, 2026- 2027, and 2027-2028, and further directs County Staff to
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submit same to the Florida Housing Finance Corporation as required by Sections
420.907- 420-9079, Fla. Stat. (2024).
Section 2: The Mayor, County Administrator, or County Administrator's official designee is
hereby designated and authorized to execute any documents and certifications
required by the FHFC as related to the LHAP, and to do all things necessary and
proper to carry out the terms and conditions of said program. That the Mayor, or in
his absence the County Administrator, is hereby designated and authorized to
execute any documents and certifications required by the Florida Housing Finance
Corporation as related to the LHAP, and to do all things necessary and proper to
carry out the term and conditions of said program.
Section 4: That if any clause, section, other part or application of this resolution is held by
any court of competent jurisdiction to be unconstitutional or invalid, in part or in
application, it shall not affect the validity of the remaining portion or applications
of this resolution.
Section 5: This resolution shall take effect immediately upon its adoption.
PASSED AND ADOPTED by the Board of County Commissioners of Monroe
County, Florida at a regular meeting of said Board on the loth day of September, 2025
Mayor James K. Scholl
Mayor Pro Michelle Lincoln
Commissioner Craig Cates
Commissioner David Rice
Commissioner Holly Merrill Raschein
SEAL:
ATTEST: Monroe County Clerk BOARD OF COUNTY COMMISSIONERS OF
MONROE COUNTY, FLORIDA
BY: BY:
Deputy Clerk Mayor James K. Scholl
Approved as to legal sufficiency:
Date:
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MONROE COUNTY, FLORIDA
MONROE COUNTY STATE HOUSING INITIATIVES PARTNERSHIP PROGRAM
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2025-2026, 2026-2027, 2027-2028
AMENDED
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Table of Contents
Description Page#
Section I,Program Details 3
Section II,Housing Strategies 7
A. HOMEBUYER ASSISTANCE 7
B. HOMEOWNER REHABILITATION 10
C. DISASTER RELIEF 12
D. HOMEOWNER SEWER LATERAL CONNECTION 14
E.AFFORDABLE RENTAL REHABILITATION/CONSTRUCTION 16
F.AFFORDABLE RENTAL DISASTER RELIEF 18
Section III,Incentive Strategies 19
A. Expedited Permitting 19
B. Ongoing Review Process 19
C. Other Ongoing Incentive Strategies 20
Exhibits
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart(HDGC) For Each Fiscal Year Covered in the plan
D. Signed LHAP Certification
E. Signed, dated,witnessed or attested adopting resolution
F. Ordinance: unchanged
G. Interlocal Agreement
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Section I. Program Details:
A. LG(s)
Name of Local Government MONROE COUNTY,FLORIDA
Does this LHAP contain an interlocal agreement? NO
If yes, name of other local government(s) N/A
B. Purpose of the program:
• Serve the residents residing within Monroe County, Florida;
• To meet the housing needs of the very low, low, moderate, and households up to 140%of AMI 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.
C. Fiscal years covered by the Plan: 2025-2026, 2026-2027, 2027-2028
D. Governance:The SHIP Program is established in accordance with Section 420.907-9079, Florida Statutes and
Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance with these applicable
statutes, rules and any additional requirements as established through the Legislative process.
E. Local Housing Partnership:The SHIP Program encourages building active partnerships between government,
lending institutions, builders and developers, not-for-profit and community-based housing providers and
service organizations, providers of professional services related to affordable housing, advocates for low-
income persons, real estate professionals, persons or entities that can provide housing or support services and
lead agencies of the local continuums of care.
F. Leveraging:The Plan is intended to increase the availability of affordable residential units by combining local
resources and cost saving measures into a local housing partnership and using public and private funds to
reduce the cost of housing. SHIP funds may be leveraged with or used to supplement other Florida Housing
Finance Corporation programs and to provide local match to obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face-to-face meetings with housing providers, social service
providers and local lenders and neighborhood associations. Public input was solicited through the local
newspaper in the advertising of the Local Housing Assistance Plan and the Notice of Funding Availability.
H. Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of general circulation
and periodicals serving ethnic and diverse neighborhoods, at least 30 days before the beginning of the
application period. If no funding is available due to a waiting list, no notice of funding availability is required.
I. Waiting List/Priorities:A waiting list will be established when there are eligible applicants for strategies that no
longer have funding available. Those households on the waiting list will be notified of their status. Applicants
will be maintained in an order that is consistent with the time completed applications were submitted as well
as any established funding priorities as described in this plan.
The following priorities for funding (very low income, Special Needs, etc.) described/listed here apply to all
strategies unless otherwise stated in an individual strategy in Section II:
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First priority for funding in all strategies will be given to eligible applicants that meet both the definitions of
Special Needs (Section 420.0004 (13), Fla. Stat.) and Very Low-Income. Second priority for funding in all
strategies will be given to eligible applicants that meet the definitions of either Special Needs (Section
420.0004 (13), Fla. Stat.) or Very Low-Income. Third priority for funding in all strategies will be given to
eligible applicants that meet the definition of Essential Service Personnel, as defined herein.
J. Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate on the basis
of race, color, religion, sex, national origin, age, handicap, or marital status in the award application process for
eligible housing.
K. Support Services and Homeownership Counseling: Support services and homeownership counseling are
available from various sources including in-person and online opportunities. The County recommends seeking
such services through a HUD-approved agency, if warranted and/or needed. Available support services may
include but are not limited to: Homeownership Counseling (Pre and Post Purchase), Credit Counseling, Tenant
Counseling, Foreclosure Counseling and Transportation. The County recommends and encourages these
services and counseling courses; however, does not require these services in order to be financially assisted.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not exceed 90% of the
average area purchase price in the statistical area in which the eligible housing is located. Such average area
purchase price may be that calculated for any 12-month period beginning not earlier than the fourth calendar
year prior to the year in which the award occurs. The sales price of new and existing units, which can be lower
but may not exceed 90% of the average area purchase price established by the U.S.Treasury Department or as
described above.
The methodology used is:
U.S.Treasury Department x
Local HFA Numbers
M. Income Limits,Rent Limits and Affordability:The Income and Rent Limits used in the SHIP Program are updated
annually by the Department of Housing and Urban Development and posted at www.floridahousing.org.
"Affordable"means that monthly rents or mortgage payments including taxes and insurance do not exceed
30 percent of that amount which represents the percentage of the median annual gross income for the
households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit an individual
household's ability to devote more than 30% of its income for housing, and housing for which a household
devotes more than 30% of its income shall be deemed Affordable if the first institutional mortgage lender is
satisfied that the household can afford mortgage payments in excess of the 30%benchmark and in the case
of rental housing does not exceed those rental limits adjusted for bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and selection criteria
for applications for Awards to eligible sponsors shall be developed, which includes a description that
demonstrates how eligible sponsors that employ personnel from the Welfare Transition Program will be given
preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
administrative authority for implementing the local housing assistance plan assisting rental developments shall
annually monitor and determine tenant eligibility or, to the extent another governmental entity provides
periodic monitoring and determination, a municipality, county or local housing financing authority may rely on
such monitoring and determination of tenant eligibility. However, any loan or grant in the original amount of
$10,000 or less shall not be subject to these annual monitoring and determination of tenant eligibility
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requirements. Tenant eligibility will be monitored annually for no less than 15 years or the term of assistance
whichever is longer unless as specified above. Eligible sponsors that offer rental housing for sale before 15 years
or that have remaining mortgages funded under this program must give a first right of refusal to eligible
nonprofit organizations for purchase at the current market value for continued occupancy by eligible persons.
P. Administrative Budget: A line-item budget is attached as Exhibit A. The county finds that the moneys deposited
in the local housing assistance trust fund are necessary to administer and implement the local housing
assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: "A county or an
eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its governing body
finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of program income is
insufficient to adequately pay the necessary costs of administering the local housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code,further states:'The cost of
administering the program may not exceed 10 percent of the local housing distribution plus 5 percent of
program income deposited into the trust fund, except that small counties, as defined in s. 120.52(19), and
eligible municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of
program income for administrative costs." The applicable local jurisdiction has adopted the above findings in
the resolution attached as Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be performed by:
Entity Duties Admin. Fee Percentage
Local Government Monroe County Social Services Department 10%
Third Party Entity/Sub- N/A
recipient
R. First-time Homebuyer Definition: For any strategies designed for first-time homebuyers, the following
definition will apply: An individual who has had no ownership in a principal residence during the 3-year period
ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are
considered first-time homebuyers). A single parent who has only owned a home with a former spouse while
married.An individual who is a displaced homemaker and has only owned with a spouse.An individual who has
only owned a principal residence not permanently affixed to a permanent foundation in accordance with
applicable regulations.An individual who has only owned a property that was not in compliance with state, local
or model building codes and which cannot be brought into compliance for less than the cost of constructing a
permanent structure.
S. Project Delivery Costs: Project Delivery Costs will be allowed on disaster recovery only with a cap of 5%.The
PDC will be for inspections performed by non county employees.
T. Essential Service Personnel Definition (ESP): ESP includes teachers,educators,other school district personnel,
community college and university employees, police, fire, and emergency medical services, and paramedic
personnel, health care personnel, government personnel, active military servicemember, military veteran,
service industry personnel, and skilled building trades personnel.
U. Describe efforts to incorporate Green Building and Energy Saving products and processes: Consideration will
be given to those sponsors who demonstrate innovative design, green building principles, storm resistant
construction or other elements that reduce long term costs relating to maintenance, utilities or insurance,
rehabilitation of existing homes to greatly reduce the carbon footprint of building new homes; installation of
storm shutters and high impact windows and doors; installation of new energy saving rated appliances; etc.
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V. Describe efforts to meet the 20%Special Needs set-aside:The Monroe County SHIP office in conjunction with
Monroe County Social Services, utilize their existing applicant list in addition to continuous advertising on the
Monroe County website for ongoing homebuyer assistance and homeowner rehabilitation assistance funding
countywide.
W. Describe efforts to reduce homelessness:The SHIP program provides owner occupied rehabilitation assistance
to the extremely low, very-low, low, and moderate income recipients/applications of Monroe County reducing
the risk of those homeowners becoming homeless.
X. Exemption to Statutory Set-Asides: Under Senate Bill 1456 enacted on May 31, 2024, Monroe County, a
designated area of state critical concern, is exempt from the income set-asides set forth in Section 420.9075
(5), Fla. Stat.This exemption sunsets on June 30, 2029.
Y. Settlement/Write-off in the Event of Foreclosure:The SHIP Administrator, or designee, has the discretion to
recommend settlement of a SHIP mortgage lien in a pending foreclosure case, where the SHIP mortgage lien
is junior to the foreclosing party's lien.The Monroe County SHIP program does not prohibit the County from
voluntarily reducing the SHIP mortgage lien to settle the pending legal matter.The reduced payment will be
reported as part of the Program Income(event type: foreclosure)for loan repayment for that close-out year.
Z. Modular Homes: Modular homes are built in a factory and built to the Florida Building Code. Modular Homes
built to the current Florida Building Code are eligible for SHIP assistance.To receive SHIP assistance modular
home must be affixed upon permanent foundation.The recipient must own both the home and the land upon
which the mobile/manufactured home is affixed.
AA.Mobile/Manufactured Homes: Mobile homes are licensed and built to standards as provided by the U.S.
Department of Transportation, and Florida Department of Highway and Motor Vehicle Safety.
"Mobile/Manufactured Home" means a structure,transportable in one(1)or more sections,which is eight body
feet (8') or more in width, greater than four hundred (400) square feet and which is built on an integral chassis
and designed to be used as a dwelling when connected to the required utilities and includes the plumbing,
heating, air conditioning and electrical systems contained herein. Mobile/Manufactured Homes built after
December 1, 2005, and meet the required standards are eligible for SHIP assistance.To receive SHIP assistance
mobile/manufactured home must be affixed upon permanent foundation. The recipient must own both the
home and the land upon which the mobile/manufactured home is affixed.
BB. Reserved Rights of the County: For the protection, sustainability, and vitality of the Monroe County SHIP, the
SHIP Administrator, or designee, may reevaluate any application for eligibility that has the following unique
financial commitments or obligations, either existing or reasonably foreseeable in the proximate SHIP
transaction, whereby the transition is not financially viable. For example, reevaluation of eligibility may occur
when the following circumstances exist: three (3) or more funding sources are required for a home purchase,
not including the County's SHIP contribution; reverse mortgage exists on the property; fraudulent or
misrepresentations within the transaction; the debt to income ratio for household expenditures exceeds 45%
of the annual gross household income;or any combination of SHIP funding already expended upon the property
and not yet satisfied/forgiven. Note:The SHIP mortgage amount shall not to be included in the debt to income
ratio for household expenditures for purposes of additional review of eligibility determination based on
expenditures to income comparison.
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Section II. LHAP Strategies:
A. HOMEBUYER ASSISTANCE Code 1
a. Summary of Strategy: Funding assistance for the purchase existing or newly constructed single-
family, residential,owner-occupied property, including condominiums,townhouses,
mobile/manufactured homes (built after December 1, 2005), and modular homes.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $65,000
e. Terms:
1. Deferred Loan:Secured by a recorded note and mortgage
2. Interest Rate: 0%
3. Years in loan term: 30
4. Forgiveness: N/A.
5. Repayment: Full payment at maturity or default; otherwise, none due as long as the loan is in good
standing.
6. Default:The loan will be due and payable in full upon maturity, sale, rental or transfer of the property,
failure to comply with the terms of the SHIP mortgage,the property ceases to be the primary residence
of the recipients, as evidenced by homestead exemption, loss of homestead exemption, foreclosure or
death of the last surviving homeowner. In the event of the death of the last surviving homeowner, any
income eligible heir residing in the home may assume the SHIP Loan as long as they can obtain title to
the entire property within one (1) year of the death of the last surviving homeowner and the first
mortgagee consents to the heir assuming the SHIP loan. In the event of divorce by the occupants
married to each other and after title has been vested, so long as one of the original owners remains on
the title and holds a homestead exemption, the party remaining in the home shall be considered in
compliance with the existing terms and conditions of the SHIP Loan.
f. Recipient Selection Criteria: Eligible applicants will receive assistance on a "First Qualified, First Served"
basis with the following priorities. First priority for funding will be given to eligible applicants that meet both
the definitions of Special Needs(Section 420.0004(13), Fla.Stat.)and Very Low-Income. Second priority for
funding will be given to eligible applicants that meet the definitions of either Special Needs (Section
420.0004 (13), Fla. Stat.) or Very Low-Income. Third priority for funding will be given to eligible applicants
that meet the definition of Essential Service Personnel,as defined herein.Applicants who do not fall into the
above categories and who have been determined to be income eligible for program assistance will be placed
on a waiting list according to their income (lower is higher in priority). Applications for Homebuyer
Assistance must include:
1. A contract for the purchase of an existing housing unit or one under construction. An "under
construction" housing unit shall be defined as having a building permit and pilings/foundation complete
and inspected.
2. A lending institution pre-qualification letter for the amount to be financed which may assume up to a
$65,000.00 SHIP loan.
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3. An affidavit from the Seller in the event this is a unit under construction, indicating the delivery date of
the housing unit(cannot be more than five months from the date of the SHIP approval).
Applicants who fail to submit complete applications, who do not meet SHIP threshold
requirements or cannot close due to financing or any other reason, may not reapply for
SHIP assistance until the following application cycle.
g. Sponsor Selection Criteria: N/A
h. Additional Information:
1. Buyer(s) must contribute a minimum of one percent (1%) of the sales price as a cash contribution to the
purchase. The 1% may be comprised of title insurance, appraisals, inspections and/or closing costs.
2. Property must meet minimum health and safety standards as defined under the U.S Department of Housing
and Urban Development's Housing Quality Standards(HQS). Any HQS deficiencies must be corrected prior
to or as part of the purchase transaction. In the case of new construction, a Certificate of Occupancy (CO)
may be substituted for the HQS inspection. Mortgage loans to public entities, which retain ownership of
the land under the terms of a ground lease, shall extend to the improvements.
3. Homes must be financed utilizing funding from a federally insured financial institution subject to the limited
exceptions described herein. The County may authorize the following exceptions: 1) non-profits entities
that are self-funded;or 2)other financing issued by a non-federally insured financial institution as approved
in writing by the SHIP Administrator, or designee, with the condition that the SHIP Mortgage is issued as
the first mortgage, with superior priority to any other funding source.
4. When a State or Federal funding source is used, Monroe County SHIP mortgage may be in a junior position
to any additional State or Federal funding source. Monroe County SHIP will maintain a superior mortgage
position to any other municipalities' contribution to the transaction.
5. Monroe County SHIP may subordinate to primary mortgage refinancing pursuant to Monroe County Board
of County Commissioner's Resolution No.078-2002,as may be amended from time to time.Consistent with
the current Resolution, the following conditions must exist: i) the proposed primary mortgage loan has a
rate or other terms that are an improvement in the rate or terms of the existing primary mortgage loan; ii)
the amount of the new refinanced mortgage does not exceed the amount of the existing primary mortgage
payoff and the closing costs as documented on the ALTA settlement statement; and iii) the sum of the
proposed primary mortgage and the existing SHIP mortgage loan does not exceed 105%of the value of the
property as reflected on a property appraisal.
6. No assumptions (or assignments) are allowed for existing SHIP Homebuyer Mortgage Loans except as
otherwise provided herein (i.e. death of the last surviving homeowner/resident heir ownership).
7. SHARED APPRECIATION PROVISION:All SHIP funds under this strategy are subject to a mortgage that shall
contain recapture provisions which provides for shared appreciation between the buyer(s)and the Monroe
County SHIP Program.
a. The amount due to Monroe County upon sale or transfer of the property shall be calculated by
adding the sum of the principal balance of the SHIP loan plus a percentage of the appreciated value
of the Property as determined under the shared appreciation scale below ("Shared Appreciation
Scale"). The Shared Appreciation Value shall be calculated as the difference between the original
purchase price of the Property and the sales price, minus the documented value of any permitted
improvements made to the Property, minus any reasonable closing costs..
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b. The amount due to Monroe County upon a refinancing for payoff of SHIP funds shall be calculated
by adding the sum of the principal balance of the SHIP loan plus a percentage of the appreciated
value of the Property as determined under the shared appreciation scale below ("Shared
Appreciation Scale").The Shared Appreciation Value shall be calculated as the difference between
the original purchase price of the Property and the total cumulative mortgage amount(s) (i.e. new
plus outstanding mortgages, if any) or the County Property Appraisers assessed value whichever is
greater minus the documented value of any permitted improvements made to the property less
any reasonable closing costs.
c. Documented improvements for the Property are those improvements represented on the Monroe
County Property Appraiser's website. Housing units constructed utilizing Affordable Housing Deed
Restrictions, which restrict the appreciation of the Property's value, shall not be subject to the
Shared Appreciation Provision.
Shared Appreciation Scale
When the SHIP Loan is subject to Shared Appreciation repayment pursuant to this Section, the
amount due to Monroe County will include a percentage of the appreciated value as outlined in the
following Schedule:
Year Sold (within the listed year) Shared Percentage
1st-5t" 50
6tn 45
40
35
9tri 30
low 25
20
15%
13trl 10
14 5%
15th+ 0/
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B. OWNER OCCUPIED REHABILITATION Code 3
a. Summary: Funding assistance for owner occupied housing rehabilitation,with/or without
leveraging funds through the Weatherization Assistance Program.
For the purpose of this strategy, the standard for rehabilitation is defined as those
improvements necessary for the subject unit to meet the U.S. Department of Housing and
Urban Development's Housing Quality Standards (HQS).
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $35,000
e. Terms:
1. Repayment loan/deferred loan/grant: Deferred payment loan secured by a recorded note and
mortgage
2. Interest Rate: 0%
3. Years in loan term: Twenty(20)years
4. Forgiveness: The loan balance will be forgiven during years ten (10)through twenty(20) at the rate of
ten (10) % per year.
5. Forgiven at maturity.
6. Repayment: None due as long as the loan is in good standing.
7. Default: The loan will be due and payable in full upon in the event of, rental, sale or transfer of the
property before the maturity date,failure to comply with the terms of the SHIP mortgage,the property
ceases to be the primary residence of the recipients, as evidenced by homestead exemption, loss of
homestead exemption,foreclosure or death of the last surviving homeowner. In the event of the death
of the last surviving homeowner, any income eligible heir residing in the home may assume the SHIP
Loan as long as they can obtain title to the entire property within one (1)year of the death of the last
surviving homeowner and the first mortgagee consents to heir assuming the SHIP loan. In the event of
divorce by the occupants married to each other and after title has been vested, so long as one of the
original owners remains on the title and holds a homestead exemption,the party remaining in the home
shall be considered in compliance with the existing terms and conditions of the SHIP Loan.
f. Eligible applicants will receive assistance on a "First Qualified, First Served" basis according to the below
priorities.
g. Recipient Selection Criteria: First priority for funding will be given to eligible applicants that meet both the
definitions of Special Needs (Section 420.0004 (13), Fla. Stat.) and Very Low-Income. Second priority for
funding will be given to eligible applicants that meet the definitions of either Special Needs (Section
420.0004 (13), Fla. Stat.) or Very Low-Income. Third priority for funding will be given to eligible applicants
that meet the definition of Essential Service Personnel, as defined herein. Applicants who do not fall into
the above categories and who have been determined to be income eligible for program assistance will be
placed on a waiting list according to their income (lower is higher in priority).
h. Contractor Selection Criteria: Contractors will be selected in a manner consistent with the Monroe County
Purchasing Policy Manual. Contractors may be for-profit or non-for-profit entities. The County may also
utilize the County's Contractor Library or Contractor Pool, wherein contractors must demonstrate the
necessary knowledge, license(s), qualifications, capability of providing the requested deliverables, capacity
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based on other current/active agreements with County, and other criteria listed in the Request For
Proposals/Qualifications. These criteria shall be used to score the proposal/qualifications submitted in
response to the RFP/RFQ. Monroe County shall award the work to the Contractor that is determined to be
most advantageous to the SHIP Program with price and other factors considered.
i. Additional Information:
2. All households receiving rehabilitation assistance under this strategy are not eligible for additional
SHIP funding for a period of three (3)years from closeout of grant/loan.
3. Best practice is to wait three (3) days from the date that the SHIP mortgage/note is signed before
commencing Rehabilitation Work pursuant to this strategy.
4. SHIP Funds allocated for this strategy may be leveraged with Community Development Block Grant
(CDBG), other federal funds, other state funds, or other local funds.
5. Mobile Homes/Manufactured Units may be eligible for assistance under this program.To be eligible
mobile homes/manufactured units must meet the following requirements:
a. The Mobile Home/Manufactured Unit and the land on which it is located must be owned by
the same person;
b. The Mobile Home/Manufactured Unit must be affixed to the land with permanent foundation
on which it is located; and
c. The applicable governmental authority (that issues Building Permits, and when applicable,
enforces land use/development regulations) must confirm in writing that the unit has obtained
all relevant permits and conforms to applicable land use/development regulations.
6. The home,for which an applicant is receiving SHIP funds, must be homesteaded and owner occupied
as their primary residence for a minimum of twelve (12) months prior to application submission.
Eligible forms of ownership may be:
a. Fee simple title,
b. An equivalent form of ownership approved by HUD, or
C. Other applicable documents, as determined by the SHIP Administrator or designee.
7. Where the scope of work produces bids greater than the maximum award amount authorized by
this strategy, the scope of work will be reduced and Contractors may re-bid.
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C. OWNER OCCUPIED DISASTER RELIEF I Code 5, 16
a. Summary: Funds will be awarded to owner occupied homeowners and/or displaced individuals to
provide immediate disaster relief, repair of existing homes, or purchase assistance required to
purchase or replace demolished homes as a result of an emergency or disaster which has been
declared by executive order(s) signed by the President of the United States of America or the
Governor of the State of Florida.
This strategy will only be funded and implemented in the event of a disaster using any funds that
have not yet been encumbered or with additional disaster funds allocated by Florida Housing
Finance Corporation. SHIP disaster funds may be used for items such as, but not limited to:
(a) Purchase of emergency supplies for eligible households to weatherproof.
(b) Purchase and/or replacement housing unit.
(c) Interim repairs to avoid further damage;tree and debris removal required to
make the individual housing unit habitable.
(d) Construction of wells or repair of existing wells where public water is not
available.
(e) Payment of insurance deductibles for rehabilitation of homes covered under
homeowners' insurance policies.
(f) Security deposit for eligible recipients that have been displaced from their
homes due to disaster.
(g) Rental assistance for eligible recipients that have been displaced from their
homes due to disaster.
(h) Any strategy included in the approved LHAP that benefits applicants directly
affected by the declared disaster.
(i) Other activities as proposed by Monroe County and approved by the Florida
Housing Finance Corporation.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served: Very low, low, moderate, and households up to 140%AMI
d. Maximum award:$35,000
e. Terms:
1. Repayment loan/deferred loan/grant: Secured by a recorded note and mortgage. Rental assistance will
be awarded as a grant.
2. Interest Rate: 0%
3. Years in loan term: Ten (10)
4. Forgiveness:The loan balance will be forgiven during years six(6)through ten(10)at the rate of twenty
(20) % per year.
5. Repayment: None due as long as the loan is in good standing.
6. Default: The outstanding loan balance will be due and payable in full upon the rental, sale or transfer
of the property, failure to comply with the terms of the SHIP mortgage, the property ceases to be the
primary residence of the recipients, as evidenced by homestead exemption, loss of homestead
exemption, or death of the last surviving homeowner. In the event of the death of the last surviving
homeowner, any income eligible heir residing in the home may assume the SHIP Loan as long as the
heir can obtain title to the entire property within one (1) year of the death of the last surviving
homeowner and the first mortgagee consents to the heir assuming the SHIP loan. In the event of divorce
by the occupants married to each other and after title has been vested, so long as one of the original
owners remains on the title and holds a homestead exemption, the party remaining in the home shall
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be considered in compliance with the existing terms and conditions of the SHIP Loan.
f. Recipient Selection Criteria:Applications processed on a "First Qualified, First Served" basis. First priority for
funding will be given to eligible applicants that meet both the definitions of Special Needs(Section 420.0004
(13), Fla. Stat.) and Very Low-Income. Second priority for funding will be given to eligible applicants that
meet the definitions of either Special Needs (Section 420.0004 (13), Fla. Stat.) or Very Low-Income. Third
priority for funding will be given to eligible applicants that meet the definition of Essential Service Personnel,
as defined herein. Applicants who do not fall into the above categories and who have been determined to
be income eligible for program assistance will be placed on a waiting list according to their income (lower is
higher in priority).
g. Contractor Selection Criteria: Contractors will be selected in a manner consistent with the Monroe County
Purchasing Policy Manual. Contractors may be for-profit or non-for-profit entities. The County may also
utilize the County's Contractor Library or Contractor Pool, wherein contractors must demonstrate the
necessary knowledge, license(s), qualifications, capability of providing the requested deliverables, capacity
based on other current/active agreements with County, and other criteria listed in the Request For
Proposals/Qualifications. These criteria shall be used to score the proposal/qualifications submitted in
response to the RFP/RFQ. Monroe County shall award the work to the Contractor that is determined to be
most advantageous to the SHIP Program with price and other factors considered
h. Additional Information: Eligible costs include all hard and soft costs associated with the rehabilitation of the
property.
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D. HOMEOWNER SEWER LATERAL CONNECTION I Code 3
a. Summary: Funding assistance for sewer lateral connections for owner occupied properties,to include
condominiums and townhouses.
b. Fiscal Years Covered: : 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $8,000
e. Terms:
1. Repayment loan/deferred loan/grant: Secured by a recorded note and mortgage
2. Interest Rate: 0
3. Years in loan term:Ten (10)
4. Forgiveness: Forgiven at maturity
5. Repayment: None due as long as the loan is in good standing.
6. Default: The outstanding balance shall be due and payable upon rental, sale, transfer, or failure to
comply with the terms of the SHIP mortgage, the property ceases to be the primary residence of the
recipients, as evidenced by homestead exemption, loss of homestead exemption, foreclosure or death of
the last surviving homeowner. In the event of the death of the last surviving homeowner, any income
eligible heir residing in the home may assume the SHIP Loan as long as they can obtain title to the entire
property within one (1) year of the death of the last surviving homeowner and the first mortgagee
consents to the heir assuming the SHIP loan. In the event of divorce by the occupants married to each
other and after title has been vested, so long as one of the original owners remains on the title and
holds a homestead exemption,the party remaining in the home shall be considered in compliance with
the existing terms and conditions of the SHIP Loan.
f. Recipient Selection Criteria: Applications processed on a "First qualified, First Served" basis. First priority
for funding will be given to eligible applicants that meet both the definitions of Special Needs (Section
420.0004 (13), Fla. Stat.) and Very Low-Income. Second priority for funding will be given to eligible
applicants that meet the definitions of either Special Needs (Section 420.0004 (13), Fla. Stat.) or Very Low-
Income. Third priority for funding will be given to eligible applicants that meet the definition of Essential
Service Personnel, as defined herein. Applicants who do not fall into the above categories and who have
been determined to be income eligible for program assistance will be placed on a waiting list according to
their income (lower is higher in priority).
g. Contractor Selection Criteria: Contractors will be selected in a manner consistent with the Monroe County
Purchasing Policy Manual. Contractors may be for-profit or non-for-profit entities. The County may also
utilize the County's Contractor Library or Contractor Pool, wherein contractors must demonstrate the
necessary knowledge, license(s), qualifications, capability of providing the requested deliverables, capacity
based on other current/active agreements with County, and other criteria listed in the Request For
Proposals/Qualifications. These criteria shall be used to score the proposal/qualifications submitted in
response to the RFP/RFQ. Monroe County shall award the work to the Contractor that is determined to be
most advantageous to the SHIP Program with price and other factors considered
h. Additional Information:
1. Best practice is to wait three (3) days from the date that the SHIP mortgage/note is signed before
commencing Sewer Lateral Work pursuant to this strategy.
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2. SHIP Funds allocated for this strategy may be leveraged with private funds, Community Development
Block Grant (CDBG), other federal funds, other state funds, or other local funds.
3. Mobile Homes/Manufactured Units may be eligible for assistance under this program.To be eligible
mobile homes/manufactured units must meet the following requirements:
a. The Mobile Home/Manufactured Unit and the land on which it is located must be owned by
the same person;
b. The Mobile Home/Manufactured Unit must be affixed to the land with permanent foundation
on which it is located; and
c. The applicable governmental authority (that issues Building Permits, and when applicable,
enforces land use/development regulations) must confirm in writing that the unit has obtained
all relevant permits and conforms to applicable land use/development regulations.
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E. AFFORDABLE RENTAL CONSTRUCTION/REHABILITATION I Code 14, 21
a. Summary: Funds provided for the construction or rehabilitation of affordable rental housing units.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award:$40,000 per unit
e. Terms:
1. Repayment loan/deferred loan/grant: Deferred payment loan secured by a recorded promissory note,
mortgage, SHIP Developer Agreement, and Land Use Restriction Agreement(LURA).
2. Interest Rate: 0%- Non-Profit; 3%-For Profit
3. Years in loan term: Fifteen (15)
4. Forgiveness: Not-for-Profit entities, full loan amount forgiven at maturity. For-Profit entities, full loan
amount due at maturity.
5. Repayment: None due as long as the loan is in good standing.
6. Default: Due and payable in full upon sale or transfer of the property or failure to comply with the terms
of the SHIP Agreements, as detailed herein, or Land Use Restriction Agreement (LURA). SHIP set aside
units assisted under this strategy must maintain rents that do not exceed the rent maximums published
annually by the Florida Housing Finance Corporation. SHIP recipients that offer rental housing for sale
within fifteen (15) years of the SHIP award must give a right of first refusal to eligible non-profit
organizations for purchase at the current market value for continued occupancy by eligible persons.
f. Recipient/Tenant Selection Criteria: Eligible residents will be selected on a "First Qualified, First Served"
basis. Depending on the unique features/nuances of each individual project funded under this strategy,
Monroe County SHIP's overarching goal is to provide availability of rental units as a first priority to eligible
applicants who meet both the definitions of Special Needs (Section 420.0004(13), Fla. Stat.) and Very Low-
Income; then as a second priority to eligible applicants that meet the definitions of either Special Needs
(Section 420.0004 (13), Fla. Stat.) or Very Low-Income; then as a third priority to eligible applicants that
meet the definition of Essential Service Personnel, as defined herein; then as a fourth priority to applicants
who do not fall into the above categories and who have been determined to be income eligible for program
assistance will be placed on a waiting list according to their income (lower is higher in priority).
g. Sponsor/Developer Selection Criteria: An eligible Sponsor/Developer is defined as a for profit, non-profit,
or government entity that applies for an award through the Request for Proposal process as set forth in the
Monroe County's Purchasing Policy Manual. The eligible sponsor/developer must demonstrate the
necessary capacity, knowledge, and experience to effectively provide the services and project delivery
required under this strategy. Scoring criteria will be as set forth in the Request for Proposal(s), and will
include, but not be limited to: demonstrating knowledge/experience on how to conduct the State Housing
Initiatives Partnership income certification process and capability to monitor/maintain the intended
occupancies for the length of the award (at minimum); utilize innovative design, green building principles,
storm resistant construction or other elements that reduce long term costs relating to maintenance,
utilities, or insurance; SHIP funding request per unit, overall number of units to be reserved or used for
affordable rentals, longest period of affordability, and geographic location of the site to provide new
availability/offerings to underserved areas of affordability housing within the County,etc.Additional points
will be established in the selection process for the Eligible Sponsor/Developer that proposes to serve the
16 6703
below populations (as prioritized) for construction/rehab of units restricted for use by Special Needs
recipients/applicants,and then followed by Very Low Income recipients/applications, and then followed by
eligible applicants that meet the definition of Essential Service Personnel, as defined herein, and followed
by Low Income recipients/applications, and last for the preservation of currently Assisted Housing Units.At
the discretion of the SHIP Administrator, separate RFPs may be solicited pursuant to this strategy on a
rotating basis; one for new construction and another for rehabilitation of existing affordable rental units in
order to address the unique features of each type of project.
h. Additional Information: All entities funded under this strategy will be required to execute and record a SHIP
Developer Agreement and a Land Use Restriction Agreement (LURA) that ensures a minimum affordability
period of fifteen (15) years.
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F. AFFORDABLE RENTAL DISASTER REHABILITATION RELIEF I Code 16
a. Summary: Funds will be provided for the rehabilitation of affordable rental units affected by a
disaster as declared by executive order signed by the President or Governor.
b. Fiscal Years Covered: : 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award:$35,000 per unit
e. Terms :
1. Repayment loan/deferred loan/grant: Deferred payment loan secured by a recorded note, mortgage,
and SHIP Developer Agreement and Land Use Regulations Agreement.
2. Interest Rate: 0
3. Years in loan term: Fifteen (15)
4. Forgiveness: The loan balance will be forgiven at maturity.
5. Repayment: None due if the loan is in good standing.
6. Default: Principal and interest shall be due upon the sale or transfer of the property. If during the
affordability period the property is sold or transferred to an eligible nonprofit organization approved
by the County that agrees to execute all SHIP loan documents for the affordability period originally
specified, no payment is due on the loan.
f. Recipient/Tenant Selection Criteria:Tenants will be processed on a "First Qualified, First Served" basis.
First priority for funding will be given to eligible applicants that meet both the definitions of Special Needs
(Section 420.0004(13), Fla. Stat.) and Very Low-Income. Second priority for funding will be given to
eligible applicants that meet the definitions of either Special Needs (Section 420.0004 (13), Fla. Stat.) or
Very Low-Income. Third priority for funding will be given to eligible applicants that meet the definition of
Essential Service Personnel, as defined herein. Applicants who do not fall into the above categories and
who have been determined to be income eligible for program assistance will be placed on a waiting list
according to their income.
g. Sponsor/Developer Selection Criteria: Sponsors/Developers will be selected pursuant to the processes
outlined within the Monroe County Purchasing Policy Manual for emergencies. Priority among
Sponsor/Developers qualifying under this strategy will be assigned based on the below populations residing
in the units affected by the disaster, in the following order: 1) Special Needs recipients/applicants, 2) Very
Low Income recipients/applications, 3) eligible applicants that meet the definition of Essential Service
Personnel, as defined herein, and 4) eligible recipients/applicants that do not fall into the above categories
and who have been determined to be income eligible for program assistance prioritized based on their
income (lower is higher in priority).
h. Additional Information: Eligible costs include all hard and soft costs associated with the rehabilitation of
the property.
18 6705
III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives with the
policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 163.3177(6)(f)(3)for affordable housing projects are expedited to a greater
degree than other projects.
Established policy and procedures: The Monroe County Year 2030 Comprehensive Plan and Land
Development Code and Code of Ordinances establish procedures for expediting the development
of affordable housing projects.
Provide a description of the procedures used to implement this strategy:Affordable housing permit
applications are not required to go through the competitive ROGO (Rate of Growth Ordinance)
process. Additionally, any development order or development permit for affordable housing
receives priority in processing and review of applications and permits, per Section 9-2(b) of the
Monroe County Code.
Responsible Agency: Monroe County Building Department and Planning & Environmental
Resources Department
B. Name of the Strategy:Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations and plan provisions that
increase the cost of housing prior to their adoption.
Established policy and procedures:
1. Section 9-3 of the Monroe County Code states:All ordinances, policies, resolutions, regulations,
and comprehensive plan provisions (regulations) that may affect the cost of housing including
those regarding infrastructure, permitting, impact fees, or development process and approvals
shall be reviewed by the growth management director, the planning director, the building
official and the finance or budget director. The assessment shall evaluate whether the new
regulation does, in fact, affect the cost of housing including affordable housing. Such evaluation
shall be addressed in the staff report to the board of county commissioners.
Responsible Agency: Monroe County Planning&Environmental Resources and Monroe County
Building Department
2. The County allows applicants to apply to the Board of County Commissioners to waive building
permit application fees for affordable housing(Section 6-108(e), Monroe County Code).
Responsible Agency: Monroe County Building Department
3. The adopted Fee Resolution for the Planning & Environmental Resources Department provides
that there shall be no application or other fees, except advertising and noticing fees, for
affordable housing projects, except that all applicable fees shall be charged for applications for
all development approvals required for any development under Sec. 139-2(b) (Transfer of
ROGO Exemptions from Mobile Home Parks) and for applications for variances to setback,
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landscaping and/or off-street parking regulations associated with an affordable housing
development.
Responsible Agency:The Monroe County Planning and Environmental Resources Department
and Monroe County Building Department
Other Incentive Strategies Adopted:
C. Name of Strategy: Modification of Impact Fee Requirements
Established policy and procedure:The County waives impact fees for all affordable housing permits,
pursuant to Comprehensive Plan Policy 601.1.12, Section 139-1(b)(4) and Chapter 126 of the Land
Development Code.
Monroe County Comprehensive Plan Policy 601.1.12: Monroe County shall annually monitor the
eligibility of the occupants of housing units which have received special benefits, including but not
limited to those issued under the affordable housing provisions specified in the Land Development
Code or those issued through the Permit Allocation System. If occupants no longer meet the
eligibility criteria specified in the Plan and in the Land Development Code,and their eligibility period
has not expired, then Monroe County may take any one or a combination of the following actions:
1. require the payment of impact fees, if they were waived;
2. proceed with remedial actions through the Department of Code Compliance, as a violation
of the Monroe County Code;
3. take civil court action as authorized by statute, common law, or via agreement between
an applicant and the County; and/or
4. require the sale or rental of the unit(s) to eligible occupants.
Monroe County Code Chapter 126 — Impact Fees, Section 126-4(h)(6): Type of Development Not
Affected. ... (6) Affordable or employee housing units (as defined in section 101-1) for which a
deferred payment of impact fees has been recorded in the chain of title.
Monroe County Code Section 139-1 Affordable and employee housing; administration: 139-1(b)(4)
The requirements of this Land Development Code for the provision of impact 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 Department and Planning & Environmental
Resources Department
D. Name of Strategy: Flexibility in Densities for Affordable Housing
Established policy and procedures:
1) Pursuant to Sections 130-157 and 139-1(b)(1) of the Land Development Code, the following
density bonuses are allowed for affordable and employee housing: a Maximum Net Density of
25 dwelling units per buildable acre for land within an Urban Residential (UR) land use district;
a Maximum Net Density of 18 dwelling units per buildable acre for land within a Mixed Use
(MU) land use district; a Maximum Net Density of 18 dwelling units per buildable acre for land
within a Suburban Commercial (SC) land use district;and a Maximum Net Density of 12 dwelling
units per buildable acre for land within an Urban Commercial (UC) land use district.
20 6707
Responsible Agency: Monroe County Planning& Environmental Resources Department
2) Pursuant to Section 139-1(b)(2) of the Land Development Code, the maximum net residential
density allowed per district and by this section shall not require Transferable Development
Rights (TDR) for affordable and employee housing and market rate housing developed in
accordance with subsection (b)(8) of this section. This allows a higher density for affordable
and employee housing without the transfer and retirement of additional density.
3) Pursuant to Section 139-1(b)(5),the County allows the construction of affordable housing units
on nonresidential sites, including hotel/motel density development, without deducting from
the commercial floor area allowed when calculating density, any existing lawfully established
or proposed affordable or employee housing on a parcel and the floor area thereof shall be
excluded from the calculation of the total gross nonresidential floor area). Providing a 'density
bonus' for the development of affordable or employee housing on the site with the
nonresidential use.
Responsible Agency: Monroe County Planning& Environmental Resources Department
E. Name of Strategy:Reservation of Infrastructure Capacity for Affordable Housing
Established policy and procedure: Monroe County prepares an annual Public Facilities Capacity
Report. This Report indicates that there is sufficient infrastructure capacity to accommodate the
needs of County residents.
Responsible Agency: Monroe County Planning& Environmental Resources Department
F. Name of Strategy: Allowance of Affordable Accessory Residential Units in Residential Zoning
Districts
Established policy and procedure: Additions and accessory bedrooms may be permitted on
developed parcels as an accessory use/structure. The accessory use/structure must be consistent
with existing density and Rate of Growth Ordinance(ROGO) requirements specified within the Land
Development Code and the Monroe County Comprehensive Plan.Accessory uses/structures do not
include second dwelling units,guest houses, lock-outs or any other potentially habitable structures
that are occupied by a separate and independent resident/household.
Responsible Agency: Monroe County Planning&Environmental Resources Department
G. Name of Strategy: Reduction of parking and setback requirements for affordable housing
Established policy and procedure: Pursuant to Sections 102-186 and 102-187, off-street parking
requirements may be granted variances if the requisite criteria can be met.
Pursuant to Section 131-3(c), any required off-street parking spaces may be located on an accessory
driveway within the front yard setback on a parcel developed exclusively with a residential use,
21 6708
provided it does not occupy more than 60 percent of the required front yard setback area and any
vehicle utilizing such an off-street parking space shall be properly licensed and operable.
Responsible Agency: Monroe County Planning& Environmental Resources Department
H. Name of Strategy:Allowance of Flexible Lot Configurations
Established policy and procedure: Monroe County allows flexible lot configurations to the extent
setback and buffer yard requirements are met. Pursuant to Sections 102-186 and 102-187,
variances to setback and buffer yard requirements may be granted if the requisite criteria can be
met.
Pursuant to Sections 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. The 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 lots will conform to the site development standards of the applicable zoning district.
Responsible Agency: Monroe County Planning& Environmental Resources Department
I. Name of Strategy: Modification of Street Requirements
Established policy and procedure: Monroe County allows internal street configurations that meet
life safety criteria.
Responsible Agency: Monroe County Planning & Environmental Resources Department &
Engineering Department
J. Name of Strategy:Inventory of County Owned Property Suitable for Affordable Housing
Established policy and procedures: Pursuant to Section 125.379, Florida Statutes, the County has
prepared and will continue to provide an inventory of possible sites suitable for affordable housing.
(Comprehensive Plan Policy 601.1.3)
On April 21, 2021,the Monroe County BOCC reviewed the updated inventory of County owned sites
which may be appropriate for use as affordable housing. The inventory includes two developed
parcels and two vacant parcels.The two developed parcels were also included in the 2015 approved
inventory. The two vacant parcels were deeded to Habitat for Humanity in June 2022 for the
development of affordable housing.
Responsible Agency:The Clerk of Court has the list of properties approved by the Board of County
Commissioners in Resolution 167-2021. Monroe County Planning & Environmental Resources
Department.
K. Name of Strategy: Support development near transportation hubs and major employment
centers and mixed-use developments
Established policy and procedures:
22 6709
1) Pursuant to Sections 130-157 and 130-139(b)(1) of the Land Development Code, the
following density bonuses are allowed for affordable and employee housing within zoning
districts that allow commercial and mixed use development: a Maximum Net Density of 18
dwelling units per buildable acre for land within a Mixed Use (MU) land use district; a
Maximum Net Density of 18 dwelling units per buildable acre for land within a Suburban
Commercial (SC) land use district; and a Maximum Net Density of 12 dwelling units per
buildable acre for land within an Urban Commercial (UC) land use district.
Responsible Agency: Monroe County Planning& Environmental Resources Department
2) Livable CommuniKeys Plans (LCP) have been adopted by the Board of County
Commissioners for Key Largo, Tavernier, Big Pine Key and No Name Key, Stock Island, and
the Lower Keys. These LCPs identify activity centers that encourage the development of
affordable housing near identified mixed use and employment centers. Proposed
amendments to the Land Development Code also incorporate these areas as community
center zoning overlay districts.
Responsible Agency: Monroe County Planning& Environmental Resources Department
3) Policy 601.1.5 of the Monroe County Comprehensive Plan states: If Monroe County
funding, or if County-donated land is to be used for any affordable housing project,
alternative sites shall be assessed according to the following guidelines:
4. Proximity to employment and retail centers. Sites within five miles of
employment and retail centers shall be preferred. [9J-5.010(3)(c)(5)]
Responsible Agency: Monroe County Planning& Environmental Resources Department
4) Pursuant to Section 114-15 of the Land Development Code, nonresidential and multi-family
uses generating over two thousand (2,000) trips per day shall be developed to encourage
mass transit, by including features such as:transit facilities, including covered bus shelters,
pedestrian/bicycle paths, bicycle racks, carpool facilities, adequate turning radii for large
vehicles, and pedestrian access to adjacent nonresidential and multi-family uses.
Responsible Agency: Monroe County Planning& Environmental Resources Department
L. Name of Strategy: Inclusionary Housing
Residential
Established policy and procedure: Per Section 139-1(e)(2)of the Land Development Code:
a. Residential developments, other than mobile home or mobile home spaces covered by
subsection (e)(2)b. of this section, that result in the development or redevelopment of
three (3) or more dwelling units on a parcel or contiguous parcels shall be required to
develop or redevelop at least 30 percent of the residential units as affordable housing units.
Residential development or redevelopment of three (3) units on a parcel or contiguous
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 number of lawfully established dwelling units on site,which
are created by either a THE or ROGO allocation award, shall be considered developed units.
23 6710
b. The removal and replacement with other types of dwelling units of ten (10)or more mobile
homes that are located on a parcel or contiguous parcels and/or the conversion of mobile
home spaces located on a parcel or contiguous parcels into a use other than mobile homes
shall be required to include in the development or redevelopment a number of affordable
housing units equal to at least 30 percent of the number of existing units being removed
and replaced or converted from mobile home use or, in the event the new use is
nonresidential, to develop affordable housing units at least equal in number to 30 percent
of the number of mobile homes or mobile home spaces being converted to other than
mobile home use. Removal and replacement or conversion to a different use of ten (10)
mobile homes or mobile home spaces on a parcel or contiguous parcels shall require that
three (3) units be replaced or converted to deed-restricted affordable housing.
c. In calculating the number of affordable housing units required for a particular project, or
phase of a project, all dwelling units proposed for development or redevelopment or
mobile homes or mobile home spaces to be converted from mobile home use shall be
counted. In phased projects, the affordable housing requirements shall be proportionally
allocated among the phases. If a subsequent development or redevelopment is proposed
following a prior development approved on the same property as it existed as of the
effective date of the ordinance (ORD 030-2003, 017-2006, 011-2008 and 006-2016) from
which this section is derived, which prior development did not meet the compliance
thresholds set forth in subsection (e)(2)a. or (d)(2)b. of this section, the requirements of
subsection (e)(2)a. or (e)(2)b. of this section shall be met as part of the subsequent
development for all units proposed for development or redevelopment.
Nonresidential and Transient
Ordinance 001-2021 was adopted by the Monroe County BOCC on February 17, 2021 which created
an inclusionary housing requirement to address nonresidential and transient development to
ensure that affordable housing is provided to the local workforce by employee generating
development proportionate with the need for affordable workforce housing it creates.
The established policy and procedure is set forth in Section 139-1(f)of the Land Development Code.
The intent of the section is to ensure that there is an affordable supply of housing for the local
workforce. This will be accomplished by requiring workforce housing be provided for all new
development and redevelopment in an amount proportionate to the need for affordable workforce
housing that the nonresidential and transient use development or redevelopment creates. The
intent of this subsection is to permit nonresidential and transient use owners to continue to
establish uses consistent with the current building and safety standards and to ensure that as
development and redevelopment occurs, comprehensive plan policies regarding affordable
housing are implemented.
The technical support and analysis upon which the nonresidential inclusionary housing
requirements are established are based upon the `Affordable Workforce Housing Support Study for
Non-Residential Development/ prepared by Clarion Associates, LLC, prepared in June 2017.
Responsible Agency: Monroe County Planning& Environmental Resources Department
Recommendation: Monroe County shall maintain land development regulations on inclusionary
housing.
M. Name of Strategy: Mobile Home Park Incentive Program
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Established policy and procedure: Section 139-2(b) of the Land Development Code establishes
incentives for affordable housing development by allowing the transfer of market rate ROGO
exemptions within the ROGO subarea from mobile home parks in exchange for maintaining an
equal or greater number of deed-restricted affordable dwelling units within Monroe County.
This program provides an eligible sender site owner the opportunity to transfer market rate ROGO
exemptions currently associated with existing and lawfully established dwelling units from eligible
sender sites to receiver site(s) within Monroe County, provided that it involves the pooling of
affordable dwelling unit rights for redevelopment at donated, purchased or otherwise
appropriately deed-restricted sites,and transfer of ROGO exemptions or allocations forthe purpose
of implementing and facilitating one or more affordable housing projects.
Responsible Agency: Monroe County Planning& Environmental Resources Department
N. Name of Strategy: Employee Housing, Commercial Apartments, and Workforce Housing as
Permitted Uses
Established policy and procedure: The Monroe County Land Development Code currently permits
"Employee Housing"and/or"Commercial Apartments" in several Land Use(Zoning) Districts where
residential units are not otherwise permitted. Per Section 101-1 of the code:
Employee housing means an attached or detached dwelling unit that is intended to serve as
affordable, permanent housing for working households, which derive at least 70 percent of their
household income from gainful employment in the county and meet the requirements for
affordable housing as defined in this section and as per section 130-161.
Commercial apartment means an attached or detached residential dwelling unit located on the
same parcel of land as a nonresidential use that is intended to serve as permanent housing for the
owner or employees of that nonresidential use.The term does not include a tourist housing use or
vacation rental use.
Ordinance 001-2021 was adopted by the Monroe County BOCC on February 17, 2021 which created
a definition for "workforce" and "workforce housing" as a part of a larger ordinance to create an
inclusionary housing requirement to address nonresidential and transient development. The new
Workforce housing use is interchangeable with the terms detached or attached dwellings,
employee housing or commercial apartments included in the land use districts and shall be a
permitted use in all land use districts where detached dwelling, attached dwellings, employee
housing or commercial apartments are included as a current permitted use.The adopted definitions
are consistent with the recommendation from the AHAC specified in Resolution 01-2016.
Established definitions in LDC Section 101-1:
Workforce means individuals or families who are gainfully employed supplying goods and/or
services to Monroe County residents or visitors.
Workforce Housing means dwelling units for those who derive at least 70% of their income as
25 6712
members of the Workforce in Monroe County and who meet the affordable housing income
categories of the Monroe County Code.Workforce housing shall be interchangeable with the terms
detached or attached dwellings, employee housing or commercial apartments included in the land
use districts and shall be a permitted use in all land use districts where detached dwelling,attached
dwellings, employee housing or commercial apartments are included as a current permitted use.
An applicant choosing to develop workforce housing is subject to the requirements of Chapter 139
and all other requirements included in the land development code, including but not limited to,
density, parking, bufferyards, access, etc.
Responsible Agency: Monroe County Planning& Environmental Resources Department
O. Name of Strategy: Purchase and Lease Back Program
Established policy and procedure:The County has a purchase and lease-back program for affordable
housing.
Additionally,the County has actively participated in the federal and state grant opportunities made
available after Hurricane Irma to acquire and redevelop mobile parks as workforce housing. The
County has applied for a Community Development Block Grant-Disaster Recovery(CDBG-DR)grant
to fund the property's purchase price and development costs.
Responsible Agencies: Monroe County Land Development Authority; Monroe County Housing
Authority and Monroe County Attorney's Office.
Required
A. Administrative Budget for each fiscal year covered in the Plan.Attached hereto as "Exhibit A."
B. Timeline for Estimated Encumbrance and Expenditure.Attached hereto as"Exhibit B."
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the plan.Attached hereto as"Exhibit C."
D. Signed LHAP Certification.Attached hereto as"Exhibit D."
E. Signed,dated,witnessed or attested adopting resolution.Attached hereto as"Exhibit E."
Optional
F. Ordinance: (If changed from the original creating ordinance). N/A
G. Interlocal Agreement(Required if applicable). N/A
H. Other Documents Incorporated by Reference. N/A
26 6713
Exhibit A
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR Exhibit A(2025)
MONROE COUNTY, FLORIDA
Fiscal Year: 2025-2026
Estimated SHIP Funds for Fiscal Year: $ 663,805.00
Salaries and Benefits $ 61,900.00
.............f .......................................................................
Office Supplies and Equipment $
A-lTravel Per them Workshops, etc.
Advertising $ r�" 11
1Other* 66,350.00 1
Total $
l
. .......Admin % ... .0 X0
Fiscal Year 2026-2027
JEstimated SHIP Funds for Fiscal Year- $ 663,805.00
..........................................................................................................................................................................................
Salaries and Benefits $ 61,900.00
Office Supplies and Equipment $ 3,000�00
ITravel Per them Workshops, etc. $
Advertising $ 1,450.00
Other* $
66,350.00
Admin % 10.00%
Fiscal Year 2027-2028
I Estimated SHIP Funds for Fiscal Year: $ 663,805.00
ISalaries and Benefits $ 61,900.00
Office Supplies and Equipment $ 3,000.00
Travel Per them Workshops, etc. $
--I
J,Adve $ 1,450.00 1
Other*
[Total $ 66,350.00.. .......
Admin % 10.00%
*All "other" items need to be detailed here and are subject to review and approval by
the SHIP review committee. Project Delivft ry Costs that are outside of administrative
_
costs are not to be included here, but must be detailed in the LHAP main document.
27 6714
FY2O2S-2O28
Exhibit B
Timeline for SHIP Expenditures
MO0KOE COUNTY, FLORIDA afOnna that funds allocated for these fiscal years will
pomYgommment)
meet the following deadlines:
Fiscal Vear Encumbered Expended Closeout
Report
If funds allocated for these fiscal years is not anticipated to meet expenditure deadlines, Florida Housing
Finance Corporation should be notified according 10 the following dates:
Expended Not
Submitted
Fiscal Vear Funds Not Closeout A
Requests for Expenditure Extensions(dPse-wut year ONLY) must be emmai|ed to
and include:
1. A statement that "(city/county) requests an extension to the expenditure deadline for fiscal
year
2. The amount of funds that is not expended.
]. The amount offunds that is not encumbered or has been recaptured.
4. A detailed plan/timeline of how/when the money will beexpended.
Note: an extension to the expenditure deadline(June 30]does not relieve the requirement to submit
(September 15]the annual report online detailing allfunds that have been expended.
Other Key Deadlines:
AHA[ reports are now due annually by December31. Local governments receiving the minimum (or less)
allocation may choose not to report.
A[FK financial statements are due each ]une 30 for the report ending September 30 of the previous year.
28
6715
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Exhibit D
67-37.005(1),F.A.C.
2025
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity:
MONROE COUNTY
Certifies that:
(1) The availability of SHIP funds will be advertised pursuant to program requirements in 420.907-
420.9079, Florida Statutes.
(2) All SHIP funds will be expended in a manner which will ensure that there will be no
discrimination on the basis of race, color, national origin, sex, handicap, familial status, or
religion.
(3) A process to determine eligibility and for selection of recipients for funds has been
developed.
(4) Recipients of funds will be required to contractually commit to program guidelines and loan
terms.
(5) Florida Housing will be notified promptly if the local government/interlocal entity will be
unable to comply with any provision of the local housing assistance plan (LHAP).
(6) The LHAP provides a plan for the encumbrance of funds within twelve months of the end of the
State fiscal year in which they are received and a plan for the expenditure of SHIP funds
including allocation,program income and recaptured funds within 24 months following the end
of the State fiscal year in which they are received.
(7) The LHAP conforms to the Local Government Comprehensive Plan, or that an amendment to the
Local Government Comprehensive Plan will be initiated at the next available opportunity to
insure conformance with the LHAP.
(8) Amendments to the approved LHAP shall be provided to Florida Housing for review and/or
approval within 21 days after adoption.
(9) The trust fund exists with a qualified depository for all SHIP funds as well as program income or
recaptured funds.
(10) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted by
law.
(11) The local housing assistance trust fund shall be separately stated as a special revenue fund in the
1
32 6719
Exhibit D
67-37.005(1),F.A.C.
2025
local governments audited financial statements (ACFR). An electronic copy of the ACFR or a
hyperlink shall be provided to Florida Housing by June 30 of the applicable year.
(12) Evidence of compliance with the Florida Single Audit Act, as referenced in Section 215.97, F.S.
shall be provided to Florida Housing by June 30 of the applicable year.
(13) SHIP funds will not be pledged for debt service on bonds.
(14) Developers receiving assistance from both SHIP and the Low-Income Housing Tax
Credit (LIHTC)Program shall comply with the income, affordability and other LIHTC
requirements, similarly, any units receiving assistance from other federal programs shall comply
with all Federal and SHIP program requirements.
(15) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to serve eligible persons.
(16) Rental Units constructed or rehabilitated with SHIP funds shall be monitored for compliance
with tenant income requirements and affordability requirements or as required in Section
420.9075 (3)(e). To the extent another governmental entity provides periodic monitoring and
determination, a municipality, county or local housing financing authority may rely on such
monitoring and determination of tenant eligibility.
(17) The LHAP meets the requirements of Section 420.907-9079 FS, and Rule Chapter 67-37 FAC.
(18) The provisions of Chapter 83-220, Laws of Florida have not been implemented (except for
Miami-Dade County).
Witness Chief Elected Official or designee
Witness Type Name and Title
Date
OR
Attest: (Seal)
2
33 6720
RESOLUTION NO. 230- 2025
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 PROGRAM ACT, SECTIONS
420.907 - 420.9079, FLORIDA STATUTES; AND RULE CHAPTER
67-37, FLORIDA ADMINISTRATIVE CODE; AUTHORIZING
AND DIRECTING THE MAYOR 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; PROVIDING FOR
SEVERABILITY; AND PROVIDING AN EFFECTIVE DATE.
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable Housing
Act,pursuant to Chapter 92-317,Laws of Florida, allocating a portion of documentary stamp taxes
on deeds to local governments for the development and maintenance of affordable housing; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, Sections 420.907-
420.9079, Fla. Stat., and Rule Chapter 67-37, Florida Administrative Code, requires local
governments to develop a one (1)- to three (3)-year Local Housing Assistance Plan (LHAP)
outlining how funds will be used; and
WHEREAS, the SHIP Act requires local governments to establish the LHAP program
strategies and maximum SHIP funds allowable for each strategy; and
WHEREAS,the SHIP Act further requires local governments to establish an average area
purchase price for new and existing housing benefiting from awards made pursuant to the Act, and
the methodology and purchase prices used are defined in the LHAP 26-27-28, attached hereto and
incorporated herein as "Composite Exhibit 1;" and
WHEREAS, as required by Section 420.9075, Fla. Stat., it is found that five (5) percent
of the local housing distribution plus five (5) percent of program income is insufficient to
adequately pay the necessary costs of administering the LHAP; and therefore, the cost of
administering the program may not exceed ten (10) percent of the local housing distribution plus
1
6721
five (5)percent of program income deposited into the trust fund; and
WHEREAS, the Social Services Department, with input from other County Staff and the
Affordable Housing Advisory Board, has prepared a three (3)-year LHAP for submission to the
Florida Housing Finance Corporation; and
WHEREAS, the County Commission finds that it is in the best interest of the public for
Monroe County to submit the LHAP for final review and approval so as to qualify for said
documentary stamp tax funds.
NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY, FLORIDA:
Section 1: That the foregoing"WHEREAS" clauses are hereby ratified and confirmed
as being true and correct and are hereby made a specific part of this Resolution. Furthermore, the
Monroe County Local Housing Assistance Plan for fiscal years 2025-2026, 2026-2027, and 2027-
2028, is attached and incorporated hereto as "Composite Exhibit 1."
Section 2: That the Monroe County Board of County Commissioners hereby approves
the Monroe County Local Housing Assistance Plan ("LHAP") for fiscal years 2025-2026, 2026-
2027, and 2027-2028, and further directs County Staff to submit same to the Florida Housing
Finance Corporation as required by Sections 420.907- 420-9079, Fla. Stat. (2024). Furthermore,
the Board approves the use of ten(10)percent of the local housing distribution plus five(5)percent
of program income to adequately pay the necessary costs of administering the program.
Section 3: That the Mayor, or in his absence the County Administrator, is hereby
designated and authorized to execute any documents and certifications required by the Florida
Housing Finance Corporation as related to the LHAP, and to do all things necessary and proper to
carry out the term and conditions of said program.
Section 4: That if any clause, section, other part or application of this resolution is held
by any court of competent jurisdiction to be unconstitutional or invalid, in part or in application, it
shall not affect the validity of the remaining portion or applications of this resolution.
Section 5: That this Resolution shall be in full force and effect immediately upon its
adoption.
[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]
2
6722
PASSED AND ADOPTED by the Board of County Commissioners of Monroe County,
Florida, at a meeting of said Board held on the this 18th day of June 2025.
Mayor James K. Scholl Yes
Mayor pro tem Michelle Lincoln Yes
Commissioner Craig Cates Absent
Commissioner David Rice Yes
Commissioner Holly Merrill Raschein Yes
eV Madok, Clerk BOARD OF COUNTY COMMISSIONERS
OF MONROE COUNTY,FLORIDA
a. w
A
As DWPuty Clerk James K. Scholl,Mayor
Approved as to legal form and sufficiency:
09tallyci9ned by E-M Lewis - -
Eve M.Lewis Date..2025.06.0917.44.18-04'00•
By:
Eve M.Lewis, Asst. County Attorney
r �
3
6723
"COMPOSITE EXHIBIT 1"
�W
a�
1J
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ov
w
tz y "
MONROE COUNTY, FLORIDA
MONROE COUNTY STATE HOUSING INITIATIVES PARTNERSHIP PROGRAM
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2025-2026, 2026-2027, 2027-2028
1
6724
Table of Contents
Description Page#
Section I, Program Details 3
Section II, Housing Strategies 7
A. HOMEBUYER ASSISTANCE 7
B. OWNER OCCUPIED REHABILITATION 10
C. OWNER OCCUPIED DISASTER RELIEF 12
D. HOMEOWNER SEWER LATERAL CONNECTION 14
E. AFFORDABLE RENTAL CONSTRUCTION/REHABILITATION 16
F. AFFORDABLE RENTAL DISASTER REHABILITATION RELIEF 18
Section III, Incentive Strategies 19-26
A. Expedited Permitting
B. Ongoing Review Process
Other Ongoing Incentive Strategies (subparagraphs C. -O.)
Exhibits
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart(HDGC) For Each Fiscal Year Covered in the Plan
D. Signed LHAP Certification
E. Signed, dated, witnessed or attested adopting resolution
F. Ordinance: unchanged (N/A)
G. Interlocal Agreement (N/A)
2
6725
Section I. Program Details:
A. LG(s)
Name of Local Government MONROE COUNTY,FLORIDA
Does this LHAP contain an interlocal agreement? NO
If yes, name of other local government(s) N/A
B. Purpose of the program:
• Serve the residents residing within Monroe County, Florida;
• To meet the housing needs of the very low, low, moderate, and households up to 140% of AMI 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.
C. Fiscal years covered by the Plan: 2025-2026, 2026-2027, 2027-2028
D. Governance:The SHIP Program is established in accordance with Section 420.907-9079, Florida Statutes and
Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance with these applicable
statutes, rules and any additional requirements as established through the Legislative process.
E. Local Housing Partnership:The SHIP Program encourages building active partnerships between government,
lending institutions, builders and developers, not-for-profit and community-based housing providers and
service organizations, providers of professional services related to affordable housing, advocates for low-
income persons, real estate professionals, persons or entities that can provide housing or support services and
lead agencies of the local continuums of care.
F. Leveraging:The Plan is intended to increase the availability of affordable residential units by combining local
resources and cost saving measures into a local housing partnership and using public and private funds to
reduce the cost of housing. SHIP funds may be leveraged with or used to supplement other Florida Housing
Finance Corporation programs and to provide local match to obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face-to-face meetings with housing providers, social service
providers and local lenders and neighborhood associations. Public input was solicited through the local
newspaper in the advertising of the Local Housing Assistance Plan and the Notice of Funding Availability.
H. Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of general circulation
and periodicals serving ethnic and diverse neighborhoods, at least 30 days before the beginning of the
application period. If no funding is available due to a waiting list, no notice of funding availability is required.
I. Waiting List/Priorities:A waiting list will be established when there are eligible applicants for strategies that no
longer have funding available. Those households on the waiting list will be notified of their status. Applicants
will be maintained in an order that is consistent with the time completed applications were submitted as well
as any established funding priorities as described in this plan.
The following priorities for funding (very low income, Special Needs, etc.) described/listed here apply to all
strategies unless otherwise stated in an individual strategy in Section II:
3
6726
First priority for funding in all strategies will be given to eligible applicants that meet both the definitions of
Special Needs (Section 420.0004 (13), Fla. Stat.) and Very Low-Income. Second priority for funding in all
strategies will be given to eligible applicants that meet the definitions of either Special Needs (Section
420.0004 (13), Fla. Stat.) or Very Low-Income. Third priority for funding in all strategies will be given to
eligible applicants that meet the definition of Essential Service Personnel, as defined herein.
J. Discrimination: In accordance with the provisions of ss.760.20-760.37,it is unlawful to discriminate on the basis
of race, color, religion, sex, national origin, age, handicap, or marital status in the award application process for
eligible housing.
K. Support Services and Homeownership Counseling: Support services and homeownership counseling are
available from various sources including in-person and online opportunities. The County recommends seeking
such services through a HUD-approved agency, if warranted and/or needed. Available support services may
include but are not limited to: Homeownership Counseling (Pre and Post Purchase), Credit Counseling,Tenant
Counseling, Foreclosure Counseling and Transportation. The County recommends and encourages these
services and counseling courses. In order to be eligible for funding, at least one (1) hour of a County-approved
education and/or counseling session must be completed.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not exceed 90%of the
average area purchase price in the statistical area in which the eligible housing is located. Such average area
purchase price may be that calculated for any 12-month period beginning not earlier than the fourth calendar
year prior to the year in which the award occurs. The sales price of new and existing units,which can be lower
but may not exceed 90%of the average area purchase price established by the U.S.Treasury Department or as
described above.
The methodology used is:
U.S.Treasury Department x
Local HFA Numbers
M. Income Limits,Rent Limits and Affordability:The Income and Rent Limits used in the SHIP Program are updated
annually by the Department of Housing and Urban Development and posted at www.floridahousing.org.
"Affordable"means that monthly rents or mortgage payments including taxes and insurance do not exceed
30 percent of that amount which represents the percentage of the median annual gross income for the
households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit an individual
household's ability to devote more than 30% of its income for housing, and housing for which a household
devotes more than 30% of its income shall be deemed Affordable if the first institutional mortgage lender is
satisfied that the household can afford mortgage payments in excess of the 30%benchmark and in the case
of rental housing does not exceed those rental limits adjusted for bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and selection criteria
for applications for Awards to eligible sponsors shall be developed, which includes a description that
demonstrates how eligible sponsors that employ personnel from the Welfare Transition Program will be given
preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
administrative authority for implementing the local housing assistance plan assisting rental developments shall
annually monitor and determine tenant eligibility or, to the extent another governmental entity provides
periodic monitoring and determination, a municipality, county or local housing financing authority may rely on
such monitoring and determination of tenant eligibility. However, any loan or grant in the original amount of
4
6727
$10,000 or less shall not be subject to these annual monitoring and determination of tenant eligibility
requirements. Tenant eligibility will be monitored annually for no less than 15 years or the term of assistance
whichever is longer unless as specified above. Eligible sponsors that offer rental housing for sale before 15 years
or that have remaining mortgages funded under this program must give a first right of refusal to eligible
nonprofit organizations for purchase at the current market value for continued occupancy by eligible persons.
P. Administrative Budget: A line-item budget is attached as Exhibit A. The county finds that the moneys deposited
in the local housing assistance trust fund are necessary to administer and implement the local housing
assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: "A county or an
eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its governing body
finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of program income is
insufficient to adequately pay the necessary costs of administering the local housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code,further states: "The cost of
administering the program may not exceed 10 percent of the local housing distribution plus 5 percent of
program income deposited into the trust fund, except that small counties, as defined in s. 120.52(19), and
eligible municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of
program income for administrative costs." The applicable local jurisdiction has adopted the above findings in
the resolution attached as Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be performed by:
Entity Duties Admin. Fee Percentage
Local Government Monroe County Social Services Department 10%
Third Party Entity/Sub- N/A
recipient
R. First-time Homebuyer Definition: For any strategies designed for first-time homebuyers, the following
definition will apply: An individual who has had no ownership in a principal residence during the 3-year period
ending on the date of purchase of the property. This includes a spouse(if either meets the above test, they are
considered first-time homebuyers). A single parent who has only owned a home with a former spouse while
married.An individual who is a displaced homemaker and has only owned with a spouse.An individual who has
only owned a principal residence not permanently affixed to a permanent foundation in accordance with
applicable regulations.An individual who has only owned a property that was not in compliance with state,local
or model building codes and which cannot be brought into compliance for less than the cost of constructing a
permanent structure.
S. Project Delivery Costs(PDC): Project Delivery Costs will be allowed on disaster recovery only with a cap of 5%.
The PDC will be for inspections performed by non-county employees.
T. Essential Service Personnel Definition(ESP): ESP includes teachers, educators,other school district personnel,
community college and university employees, police, fire, and emergency medical services, and paramedic
personnel, health care personnel, government personnel, active military servicemember, military veteran,
service industry personnel, and skilled building trades personnel.
U. Describe efforts to incorporate Green Building and Energy Saving products and processes: Consideration will
be given to those sponsors who demonstrate innovative design, green building principles, storm resistant
construction or other elements that reduce long term costs relating to maintenance, utilities or insurance,
rehabilitation of existing homes to greatly reduce the carbon footprint of building new homes; installation of
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storm shutters and high impact windows and doors; installation of new energy saving rated appliances; etc.
V. Describe efforts to meet the 20%Special Needs set-aside:The Monroe County SHIP office in conjunction with
Monroe County Social Services, utilize their existing applicant list in addition to continuous advertising on the
Monroe County website for ongoing homebuyer assistance and homeowner rehabilitation assistance funding
countywide.
W. Describe efforts to reduce homelessness:The SHIP program provides owner occupied rehabilitation assistance
to the extremely low, very-low, low, and moderate income recipients/applications of Monroe County reducing
the risk of those homeowners becoming homeless.
X. Exemption to Statutory Set-Asides: Under Senate Bill 1456 enacted on May 31, 2024, Monroe County, a
designated area of state critical concern, is exempt from the income set-asides set forth in Section 420.9075
(5), Fla. Stat.This exemption sunsets on June 30, 2029.
Y. Settlement/Write-off in the Event of Foreclosure:The SHIP Administrator, or designee, has the discretion to
recommend settlement of a SHIP mortgage lien in a pending foreclosure case, where the SHIP mortgage lien
is junior to the foreclosing party's lien.The Monroe County SHIP program does not prohibit the County from
voluntarily reducing the SHIP mortgage lien to settle the pending legal matter.The reduced payment will be
reported as part of the Program Income (event type:foreclosure)for loan repayment for that close-out year.
Z. Modular Homes: Modular homes are built in a factory and built to the Florida Building Code. Modular Homes
built to the current Florida Building Code are eligible for SHIP assistance.To receive SHIP assistance modular
home must be affixed upon permanent foundation.The recipient must own both the home and the land upon
which the mobile/manufactured home is affixed.
AA.Mobile/Manufactured Homes: Mobile homes are licensed and built to standards as provided by the U.S.
Department of Transportation, and Florida Department of Highway and Motor Vehicle Safety.
"Mobile/Manufactured Home"means a structure,transportable in one(1)or more sections,which is eight body
feet (8') or more in width,greater than four hundred (400) square feet and which is built on an integral chassis
and designed to be used as a dwelling when connected to the required utilities and includes the plumbing,
heating, air conditioning and electrical systems contained herein. Mobile/Manufactured Homes built after
December 1, 2005, and meet the required standards are eligible for SHIP assistance.To receive SHIP assistance
mobile/manufactured home must be affixed upon permanent foundation. The recipient must own both the
home and the land upon which the mobile/manufactured home is affixed.
BB. Reserved Rights of the County: For the protection, sustainability, and vitality of the Monroe County SHIP,the
SHIP Administrator, or designee, may reevaluate any application for eligibility that has the following unique
financial commitments or obligations, either existing or reasonably foreseeable in the proximate SHIP
transaction, whereby the transition is not financially viable. For example, reevaluation of eligibility may occur
when the following circumstances exist: three (3) or more funding sources are required for a home purchase,
not including the County's SHIP contribution; reverse mortgage exists on the property; fraudulent or
misrepresentations within the transaction; the debt to income ratio for household expenditures exceeds 53%
of the annual gross household income; or any combination of SHIP funding is already expended upon the
property and not yet satisfied/forgiven. Note: The SHIP mortgage amount shall not be included in the debt to
income ratio for household expenditures for purposes of additional review of eligibility determination based on
expenditures to income comparison.
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Section II. Housing Strategies:
A. HOMEBUYER ASSISTANCE Code 1, 10
a. Summary of Strategy: Funding assistance for the purchase of existing or newly constructed by an
owner-occupant of single-family, residential property, including condominiums,townhouses,
mobile/manufactured homes (built after December 1, 2005), and modular homes.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $65,000
e. Terms:
1. Deferred Loan: Secured by a recorded note and mortgage
2. Interest Rate: 0%
3. Years in loan term: 30
4. Forgiveness: N/A.
5. Repayment: Full payment at maturity or default; otherwise, none due as long as the loan is in good
standing.
6. Default:The loan will be due and payable in full upon maturity, sale, rental or transfer of the property,
failure to comply with the terms of the SHIP mortgage, loss of homestead exemption, foreclosure or
death of the last surviving homeowner. In the event of the death of the last surviving homeowner, any
income eligible heir residing in the home may assume the SHIP Loan as long as they can obtain title to
the entire property within one (1) year of the death of the last surviving homeowner and the first
mortgagee consents to the heir assuming the SHIP loan. In the event of divorce by the occupants
married to each other and after title has been vested, so long as one of the original owners remains on
the title and holds a homestead exemption, the party remaining in the home shall be considered in
compliance with the existing terms and conditions of the SHIP Loan.
f. Recipient Selection Criteria: Eligible applicants will receive assistance on a "First Qualified, First Served"
basis with the following priorities. First priority for funding will be given to eligible applicants that meet
both the definitions of Special Needs (Section 420.0004 (13), Fla. Stat.) and Very Low-Income. Second
priority for funding will be given to eligible applicants that meet the definitions of either Special Needs
(Section 420.0004 (13), Fla. Stat.) or Very Low-Income. Third priority for funding will be given to eligible
applicants that meet the definition of Essential Service Personnel, as defined herein.Applicants who do not
fall into the above categories and who have been determined to be income eligible for program assistance
will be placed on a waiting list according to their income (lower is higher in priority). Applications for
Homebuyer Assistance must include:
1. A contract for the purchase of an existing housing unit or one under construction. An "under
construction" housing unit shall be defined as having a building permit and pilings/foundation complete
and inspected.
2. A lending institution pre-qualification letter for the amount to be financed which may assume up to a
$65,000.00 SHIP loan.
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3. An affidavit from the Seller in the event this is a unit under construction, indicating the delivery date of
the housing unit (cannot be more than five months from the date of the SHIP approval).
Applicants who fail to submit complete applications, who do not meet SHIP threshold
requirements or cannot close due to financing or any other reason, may not reapply for
SHIP assistance until the following application cycle.
g. Sponsor Selection Criteria: N/A
h. Additional Information:
1. Buyer(s) must contribute a minimum of one percent (1%) of the sales price as a cash contribution to the
purchase. The 1%may be comprised of title insurance, appraisals, inspections and/or closing costs.
2. Property must meet minimum health and safety standards as defined under the U.S Department of Housing
and Urban Development's Housing Quality Standards (HQS). Any HQS deficiencies must be corrected prior
to or as part of the purchase transaction. In the case of new construction, a Certificate of Occupancy (CO)
may be substituted for the HQS inspection. Mortgage loans to public entities, which retain ownership of
the land under the terms of a ground lease, shall extend to the improvements.
3. Homes must be financed utilizing funding from a federally insured financial institution subject to the limited
exceptions described herein. The County may authorize the following exceptions: 1) non-profits entities
that are self-funded;or 2)other financing issued by a non-federally insured financial institution as approved
in writing by the SHIP Administrator, or designee, with the condition that the SHIP Mortgage is issued as
the first mortgage, with superior priority to any other funding source.
4. When a State or Federal funding source is used, Monroe County SHIP mortgage may be in a junior position
to any additional State or Federal funding source. Monroe County SHIP will maintain a superior mortgage
position to any other municipality's contribution to the transaction.
5. Monroe County SHIP may subordinate to primary mortgage refinancing pursuant to Monroe County Board
of County Commissioner's Resolution No.078-2002,as may be amended from time to time.Consistent with
the current Resolution, the following conditions must exist: i) the proposed primary mortgage loan has a
rate or other terms that are an improvement in the rate or terms of the existing primary mortgage loan; ii)
the amount of the new refinanced mortgage does not exceed the amount of the existing primary mortgage
payoff and the closing costs as documented on the ALTA settlement statement; and iii) the sum of the
proposed primary mortgage and the existing SHIP mortgage loan does not exceed 105%of the value of the
property as reflected on a property appraisal.
6. No assumptions (or assignments) are allowed for existing SHIP Homebuyer Mortgage Loans except as
otherwise provided herein (i.e. death of the last surviving homeowner/resident heir ownership).
7. SHARED APPRECIATION PROVISION:All SHIP funds under this strategy are subject to a mortgage that shall
contain recapture provisions which provides for shared appreciation between the buyer(s)and the Monroe
County SHIP Program. The amount due to Monroe County upon sale or transfer of the property shall be
calculated by adding the sum of the principal balance of the SHIP loan plus a percentage of the appreciated
value of the Property as determined under the shared appreciation scale below ("Shared Appreciation
Scale").The Shared Appreciation Value shall be calculated as the difference between the original purchase
price of the Property and the sales price, minus the documented value of any permitted improvements
made to the Property. Documented improvements for the Property are those represented on the Monroe
County Property Appraiser's website. Housing units constructed utilizing Affordable Housing Building
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Permits or properties subject to Affordable (or Workforce) Housing Deed Restrictions, which restrict the
appreciation of the Property's value, shall not be subject to the Shared Appreciation Provision.
Shared Appreciation Scale
When the SHIP Loan is subject to Shared Appreciation repayment pursuant to this Section,the
amount due to Monroe County will include a percentage of the appreciated value as outlined in the
following Schedule:
Year Sold (within the listed year) Shared Percentage
1st_5th 50%
6th 45%
7th 40%
gth 35%
9th 30%
10th 25%
11th 20%
12th 15%
13th 10%
14th 5%
15th+ 0%
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B. OWNER OCCUPIED REHABILITATION Code 3
a. Summary: Funding assistance for owner occupied housing rehabilitation,with/or without leveraging
funds through the Weatherization Assistance Program,and such other grants as may be available. For
the purpose of this strategy,the standard for rehabilitation is defined as those improvements
necessary for the subject unit to meet the U.S. Department of Housing and Urban Development's
Housing Quality Standards (HQS).
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $35,000
e. Terms:
1. Repayment loan/deferred loan/grant: Deferred payment loan secured by a recorded note and
mortgage
2. Interest Rate: 0%
3. Years in loan term: Twenty(20)years
4. Forgiveness: The loan balance will be forgiven during years ten (10)through twenty (20) at the rate of
ten (10)%per year.
5. Forgiven at maturity.
6. Repayment: None due as long as the loan is in good standing.
7. Default: The loan will be due and payable in full upon in the event of, rental, sale or transfer of the
property before the maturity date, failure to comply with the terms of the SHIP mortgage, loss of
homestead exemption,foreclosure or death of the last surviving homeowner. In the event of the death
of the last surviving homeowner, any income eligible heir residing in the home may assume the SHIP
Loan as long as they can obtain title to the entire property within one (1) year of the death of the last
surviving homeowner and the first mortgagee consents to heir assuming the SHIP loan. In the event of
divorce by the occupants married to each other and after title has been vested, so long as one of the
original owners remains on the title and holds a homestead exemption,the party remaining in the home
shall be considered in compliance with the existing terms and conditions of the SHIP Loan.
f. Eligible applicants will receive assistance on a "First Qualified, First Served" basis according to the below
priorities.
g. Recipient Selection Criteria: First priority for funding will be given to eligible applicants that meet both the
definitions of Special Needs (Section 420.0004 (13), Fla. Stat.) and Very Low-Income. Second priority for
funding will be given to eligible applicants that meet the definitions of either Special Needs (Section
420.0004 (13), Fla. Stat.) or Very Low-Income. Third priority for funding will be given to eligible applicants
that meet the definition of Essential Service Personnel, as defined herein. Applicants who do not fall into
the above categories and who have been determined to be income eligible for program assistance will be
placed on a waiting list according to their income(lower is higher in priority).
h. Contractor Selection Criteria: Contractors will be selected in a manner consistent with the Monroe County
Purchasing Policy Manual. Contractors may be for-profit or not-for-profit entities. The County may also
utilize the County's Contractor Library or Contractor Pool, wherein contractors must demonstrate the
necessary knowledge, license(s), qualifications, capability of providing the requested deliverables, capacity
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based on other current/active agreements with County, and other criteria listed in the Request For
Proposals/Qualifications. These criteria shall be used to score the proposal/qualifications submitted in
response to the RFP/RFQ. Monroe County shall award the work to the Contractor that is determined to be
most advantageous to the SHIP Program with price and other factors considered.
i. Additional Information:
1. All households receiving rehabilitation assistance under this strategy are not eligible for additional
SHIP funding for a period of three (3)years from closeout of the final permit issued for rehabilitation
work under the grant/loan.
2. Best practice is to wait three (3) days from the date that the SHIP mortgage/note is signed before
commencing Rehabilitation Work pursuant to this strategy.
3. SHIP Funds allocated for this strategy may be leveraged with Community Development Block Grant
(CDBG), other federal funds, other state funds, or other local funds.
4. Mobile Homes/Manufactured Units may be eligible for assistance under this program. To be eligible
mobile homes/manufactured units must meet the following requirements:
a. The Mobile Home/Manufactured Unit and the land on which it is located must be owned by
the same person;
b. The Mobile Home/Manufactured Unit must be affixed to the land with permanent foundation
on which it is located; and
c. The applicable governmental authority (that issues Building Permits, and when applicable,
enforces land use/development regulations) must confirm in writing that the unit has obtained
all relevant permits and conforms to applicable land use/development regulations.
5. The home,for which an applicant is receiving SHIP funds, must be homesteaded and owner occupied
as their primary residence for a minimum of twelve (12) months prior to application submission.
Eligible forms of ownership may be:
a. Fee simple title,
b. An equivalent form of ownership approved by HUD, or
C. Other applicable documents, as determined by the SHIP Administrator or designee.
6. Where the scope of work produces bids greater than the maximum award amount authorized by
this strategy,the scope of work will be reduced, and Contractors may re-bid.
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C. OWNER OCCUPIED DISASTER RELIEF I Code 5, 16
a. Summary: Funds will be awarded to owner occupied homeowners and/or displaced individuals to
provide immediate disaster relief, repair of existing homes, or purchase assistance required to
purchase or replace demolished homes as a result of an emergency or disaster which has been
declared by executive order(s) signed by the President of the United States of America or the
Governor of the State of Florida.
This strategy will only be funded and implemented in the event of a disaster using any funds that
have not yet been encumbered or with additional disaster funds allocated by Florida Housing
Finance Corporation. SHIP disaster funds may be used for items such as, but not limited to:
(a) Purchase of emergency supplies for eligible households to weatherproof.
(b) Purchase and/or replacement housing unit.
(c) Interim repairs to avoid further damage;tree and debris removal required to
make the individual housing unit habitable.
(d) Construction of wells or repair of existing wells where public water is not
available.
(e) Payment of insurance deductibles for rehabilitation of homes covered under
homeowners' insurance policies.
(f) Security deposit for eligible recipients that have been displaced from their
homes due to disaster.
(g) Rental assistance for eligible recipients that have been displaced from their
homes due to disaster.
(h) Any strategy included in the approved LHAP that benefits applicants directly
affected by the declared disaster.
(i) Other activities as proposed by Monroe County and approved by the Florida
Housing Finance Corporation.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $35,000
e. Terms:
1. Repayment loan/deferred loan/grant: Secured by a recorded note and mortgage. Rental assistance will
be awarded as a grant.
2. Interest Rate: 0%
3. Years in loan term: Ten (10)
4. Forgiveness:The loan balance will be forgiven during years six(6)through ten (10)at the rate of twenty
(20)%per year.
5. Repayment: None due as long as the loan is in good standing.
6. Default: The outstanding loan balance will be due and payable in full upon the rental, sale or transfer
of the property, failure to comply with the terms of the SHIP mortgage, loss of homestead exemption
or death of the last surviving homeowner. In the event of the death of the last surviving homeowner,
any income eligible heir residing in the home may assume the SHIP Loan as long as the heir can obtain
title to the entire property within one (1) year of the death of the last surviving homeowner and the
first mortgagee consents to the heir assuming the SHIP loan. In the event of divorce by the occupants
married to each other and after title has been vested, so long as one of the original owners remains on
the title and holds a homestead exemption, the party remaining in the home shall be considered in
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compliance with the existing terms and conditions of the SHIP Loan.
f. Recipient Selection Criteria:Applications processed on a "First Qualified, First Served" basis. First priority for
funding will be given to eligible applicants that meet both the definitions of Special Needs (Section 420.0004
(13), Fla. Stat.) and Very Low-Income. Second priority for funding will be given to eligible applicants that
meet the definitions of either Special Needs (Section 420.0004 (13), Fla. Stat.) or Very Low-Income. Third
priority for funding will be given to eligible applicants that meet the definition of Essential Service Personnel,
as defined herein. Applicants who do not fall into the above categories and who have been determined to
be income eligible for program assistance will be placed on a waiting list according to their income (lower is
higher in priority).
g. Contractor Selection Criteria: Contractors will be selected in a manner consistent with the Monroe County
Purchasing Policy Manual. Contractors may be for-profit or not-for-profit entities. The County may also
utilize the County's Contractor Library or Contractor Pool, wherein contractors must demonstrate the
necessary knowledge, license(s), qualifications, capability of providing the requested deliverables, capacity
based on other current/active agreements with County, and other criteria listed in the Request For
Proposals/Qualifications. These criteria shall be used to score the proposal/qualifications submitted in
response to the RFP/RFQ. Monroe County shall award the work to the Contractor that is determined to be
most advantageous to the SHIP Program with price and other factors considered
h. Additional Information: Eligible costs include all hard and soft costs associated with the rehabilitation of the
property.
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D. HOMEOWNER SEWER LATERAL CONNECTION I Code 3
a. Summary: Funding assistance for sewer lateral connections for owner occupied properties,to include
condominiums and townhouses.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $8,000
e. Terms:
1. Repayment loan/deferred loan/grant: Secured by a recorded note and mortgage
2. Interest Rate: 0%
3. Years in loan term:Ten (10)
4. Forgiveness: Forgiven at maturity
5. Repayment: None due as long as the loan is in good standing.
6. Default: The outstanding balance shall be due and payable upon rental, sale, transfer, or failure to
comply with the terms of the SHIP mortgage, loss of homestead exemption,foreclosure or death of the
last surviving homeowner. In the event of the death of the last surviving homeowner, any income
eligible heir residing in the home may assume the SHIP Loan as long as they can obtain title to the entire
property within one (1) year of the death of the last surviving homeowner and the first mortgagee
consents to the heir assuming the SHIP loan. In the event of divorce by the occupants married to each
other and after title has been vested, so long as one of the original owners remains on the title and
holds a homestead exemption,the party remaining in the home shall be considered in compliance with
the existing terms and conditions of the SHIP Loan.
f. Recipient Selection Criteria: Applications processed on a "First qualified, First Served" basis. First priority
for funding will be given to eligible applicants that meet both the definitions of Special Needs (Section
420.0004 (13), Fla. Stat.) and Very Low-Income. Second priority for funding will be given to eligible
applicants that meet the definitions of either Special Needs (Section 420.0004(13), Fla. Stat.) or Very Low-
Income. Third priority for funding will be given to eligible applicants that meet the definition of Essential
Service Personnel, as defined herein. Applicants who do not fall into the above categories and who have
been determined to be income eligible for program assistance will be placed on a waiting list according to
their income (lower is higher in priority).
g. Contractor Selection Criteria: Contractors will be selected in a manner consistent with the Monroe County
Purchasing Policy Manual. Contractors may be for-profit or not-for-profit entities. The County may also
utilize the County's Contractor Library or Contractor Pool, wherein contractors must demonstrate the
necessary knowledge, license(s), qualifications, capability of providing the requested deliverables, capacity
based on other current/active agreements with County, and other criteria listed in the Request For
Proposals/Qualifications. These criteria shall be used to score the proposal/qualifications submitted in
response to the RFP/RFQ. Monroe County shall award the work to the Contractor that is determined to be
most advantageous to the SHIP Program with price and other factors considered
h. Additional Information:
1. Best practice is to wait three (3) days from the date that the SHIP mortgage/note is signed before
commencing Sewer Lateral Work pursuant to this strategy.
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2. SHIP Funds allocated for this strategy may be leveraged with Community Development Block Grant
(CDBG), other federal funds, other state funds, or other local funds.
3. Mobile Homes/Manufactured Units may be eligible for assistance under this program. To be eligible
mobile homes/manufactured units must meet the following requirements:
a. The Mobile Home/Manufactured Unit and the land on which it is located must be owned by
the same person;
b. The Mobile Home/Manufactured Unit must be affixed to the land with permanent foundation
on which it is located; and
c. The applicable governmental authority (that issues Building Permits, and when applicable,
enforces land use/development regulations) must confirm in writing that the unit has obtained
all relevant permits and conforms to applicable land use/development regulations.
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E. AFFORDABLE RENTAL CONSTRUCTION/REHABILITATION I Code 14, 21
a. Summary: Funds provided for the construction or rehabilitation of affordable rental housing units.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $40,000 per unit
e. Terms:
1. Repayment loan/deferred loan/grant: Deferred payment loan secured by a recorded promissory note,
mortgage, SHIP Developer Agreement, and Land Use Restriction Agreement(LURA).
2. Interest Rate: 0%- Non-Profit; 3%-For Profit
3. Years in loan term: Fifteen (15)
4. Forgiveness: Not-for-Profit entities,full loan amount forgiven at maturity. For-Profit entities,full loan
amount due at maturity.
5. Repayment: None due as long as the loan is in good standing.
6. Default: Due and payable in full upon sale or transfer of the property or failure to comply with the terms
of the SHIP Agreements, as detailed herein, or Land Use Restriction Agreement (LURA). SHIP set aside
units assisted under this strategy must maintain rents that do not exceed the rent maximums published
annually by the Florida Housing Finance Corporation. SHIP recipients that offer rental housing for sale
within fifteen (15) years of the SHIP award must give a right of first refusal to eligible non-profit
organizations for purchase at the current market value for continued occupancy by eligible persons.
f. Recipient/Tenant Selection Criteria: Eligible residents will be selected on a "First Qualified, First Served"
basis. Depending on the unique features/nuances of each individual project funded under this strategy,
Monroe County SHIP's overarching goal is to provide availability of rental units as a first priority to eligible
applicants who meet both the definitions of Special Needs (Section 420.0004(13), Fla. Stat.) and Very Low-
Income; then as a second priority to eligible applicants that meet the definitions of either Special Needs
(Section 420.0004 (13), Fla. Stat.) or Very Low-Income; then as a third priority to eligible applicants that
meet the definition of Essential Service Personnel, as defined herein;then as a fourth priority to applicants
who do not fall into the above categories and who have been determined to be income eligible for program
assistance will be placed on a waiting list according to their income (lower is higher in priority).
g. Sponsor/Developer Selection Criteria: An eligible Sponsor/Developer is defined as a for profit, non-profit,
or government entity that applies for an award through the Request for Proposal process as set forth in the
Monroe County's Purchasing Policy Manual. The eligible sponsor/developer must demonstrate the
necessary capacity, knowledge, and experience to effectively provide the services and project delivery
required under this strategy. Scoring criteria will be as set forth in the Request for Proposal(s), and will
include, but not be limited to: demonstrating knowledge/experience on how to conduct the State Housing
Initiatives Partnership income certification process and capability to monitor/maintain the intended
occupancies for the length of the award (at minimum); utilize innovative design, green building principles,
storm resistant construction or other elements that reduce long term costs relating to maintenance,
utilities, or insurance; SHIP funding request per unit, overall number of units to be reserved or used for
affordable rentals, longest period of affordability, and geographic location of the site to provide new
availability/offerings to underserved areas of affordability housing within the County,etc.Additional points
will be established in the selection process for the Eligible Sponsor/Developer that proposes to serve the
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below populations (as prioritized) for construction/rehab of units restricted for use by Special Needs
recipients/applicants,and then followed by Very Low Income recipients/applications, and then followed by
eligible applicants that meet the definition of Essential Service Personnel, as defined herein, and followed
by Low Income recipients/applications,and last for the preservation of currently Assisted Housing Units.At
the discretion of the SHIP Administrator, separate RFPs may be solicited pursuant to this strategy on a
rotating basis; one for new construction and another for rehabilitation of existing affordable rental units in
order to address the unique features of each type of project.
h. Additional Information: All entities funded under this strategy will be required to execute and record a
SHIP Developer Agreement and a Land Use Restriction Agreement (LURA) that ensures a minimum
affordability period of fifteen (15)years.
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F. AFFORDABLE RENTAL DISASTER REHABILITATION RELIEF I Code 16
a. Summary: Funds will be provided forthe rehabilitation of affordable rental units affected by a
disaster as declared by executive order signed by the President or Governor.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
C. Income Categories to be served:Very low, low, moderate, and households up to 140%AMI
d. Maximum award: $35,000 per unit
e. Terms :
1. Repayment loan/deferred loan/grant: Deferred payment loan secured by a recorded note, mortgage,
and SHIP Developer Agreement and Land Use Regulations Agreement.
2. Interest Rate: 0%
3. Years in loan term: Fifteen (15)
4. Forgiveness: The loan balance will be forgiven at maturity.
5. Repayment: None due if the loan is in good standing.
6. Default: Principal and interest shall be due upon the sale or transfer of the property. If during the
affordability period the property is sold or transferred to an eligible nonprofit organization approved
by the County that agrees to execute all SHIP loan documents for the affordability period originally
specified, no payment is due on the loan.
f. Recipient/Tenant Selection Criteria:Tenants will be processed on a "First Qualified, First Served" basis.
First priority for funding will be given to eligible applicants that meet both the definitions of Special Needs
(Section 420.0004 (13), Fla. Stat.) and Very Low-Income. Second priority for funding will be given to
eligible applicants that meet the definitions of either Special Needs (Section 420.0004 (13), Fla. Stat.)or
Very Low-Income. Third priority for funding will be given to eligible applicants that meet the definition of
Essential Service Personnel, as defined herein. Applicants who do not fall into the above categories and
who have been determined to be income eligible for program assistance will be placed on a waiting list
according to their income.
g. Sponsor/Developer Selection Criteria: Sponsors/Developers will be selected pursuant to the processes
outlined within the Monroe County Purchasing Policy Manual for emergencies. Priority among
Sponsor/Developers qualifying under this strategy will be assigned based on the below populations residing
in the units affected by the disaster, in the following order: 1) Special Needs recipients/applicants, 2) Very
Low Income recipients/applications, 3) eligible applicants that meet the definition of Essential Service
Personnel, as defined herein, and 4) eligible recipients/applicants that do not fall into the above categories
and who have been determined to be income eligible for program assistance prioritized based on their
income (lower is higher in priority).
h. Additional Information: Eligible costs include all hard and soft costs associated with the rehabilitation of
the property.
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III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives with the
policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 163.3177(6)(f)(3)for affordable housing projects are expedited to a greater
degree than other projects.
Established policy and procedures: The Monroe County Year 2030 Comprehensive Plan and Land
Development Code and Code of Ordinances establish procedures for expediting the development
of affordable housing projects.
Provide a description of the procedures used to implement this strategy:Affordable housing permit
applications are not required to go through the competitive ROGO (Rate of Growth Ordinance)
process. Additionally, any development order or development permit for affordable housing
receives priority in processing and review of applications and permits, per Section 9-2(b) of the
Monroe County Code.
Responsible Agency: Monroe County Building Department and Planning & Environmental
Resources Department
B. Name of the Strategy: Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations and plan provisions that
increase the cost of housing prior to their adoption.
Established policy and procedures:
1. Section 9-3 of the Monroe County Code states:All ordinances, policies,resolutions, regulations,
and comprehensive plan provisions (regulations)that may affect the cost of housing including
those regarding infrastructure, permitting, impact fees, or development process and approvals
shall be reviewed by the growth management director, the planning director, the building
official and the finance or budget director. The assessment shall evaluate whether the new
regulation does, in fact,affect the cost of housing including affordable housing.Such evaluation
shall be addressed in the staff report to the board of county commissioners.
Responsible Agency: Monroe County Planning& Environmental Resources and Monroe County
Building Department
2. The County allows applicants to apply to the Board of County Commissioners to waive building
permit application fees for affordable housing (Section 6-108(e), Monroe County Code).
Responsible Agency: Monroe County Building Department
3. The adopted Fee Resolution for the Planning& Environmental Resources Department provides
that there shall be no application or other fees, except advertising and noticing fees, for
affordable housing projects, except that all applicable fees shall be charged for applications for
all development approvals required for any development under Sec. 139-2(b) (Transfer of
ROGO Exemptions from Mobile Home Parks) and for applications for variances to setback,
19
6742
landscaping and/or off-street parking regulations associated with an affordable housing
development.
Responsible Agency: The Monroe County Planning and Environmental Resources Department
and Monroe County Building Department
Other Incentive Strategies Adopted:
C. Name of Strategy: Modification of Impact Fee Requirements
Established policy and procedure:The Countywaives impact fees for all affordable housing permits,
pursuant to Comprehensive Plan Policy 601.1.12, Section 139-1(b)(4) and Chapter 126 of the Land
Development Code.
Monroe County Comprehensive Plan Policy 601.1.12: Monroe County shall annually monitor the
eligibility of the occupants of housing units which have received special benefits, including but
not limited to those issued under the affordable housing provisions specified in the Land
Development Code or those issued through the Permit Allocation System. If occupants no longer
meet the eligibility criteria specified in the Plan and in the Land Development Code, and their
eligibility period has not expired,then Monroe County may take any one or a combination of the
following actions:
1. require the payment of impact fees, if they were waived;
2. proceed with remedial actions through the Department of Code Compliance, as a violation
of the Monroe County Code;
3. take civil court action as authorized by statute, common law, or via agreement between
an applicant and the County; and/or
4. require the sale or rental of the unit(s) to eligible occupants.
Monroe County Code Chapter 126 — Impact Fees, Section 126-4(h)(6): Type of Development Not
Affected. ... (6) Affordable or employee housing units (as defined in section 101-1) for which a
deferred payment of impact fees has been recorded in the chain of title.
Monroe County Code Section 139-1 Affordable and employee housing; administration: 139-1(b)(4)
The requirements of this Land Development Code for the provision of impact 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 Department and Planning & Environmental
Resources Department
D. Name of Strategy: Flexibility in Densities for Affordable Housing
Established policy and procedures:
1) Pursuant to Sections 130-157 and 139-1(b)(1) of the Land Development Code, the following
density bonuses are allowed for affordable and employee housing: a Maximum Net Density of
25 dwelling units per buildable acre for land within an Urban Residential (UR) land use district;
a Maximum Net Density of 18 dwelling units per buildable acre for land within a Mixed Use
(MU) land use district; a Maximum Net Density of 18 dwelling units per buildable acre for land
within a Suburban Commercial (SC)land use district;and a Maximum Net Density of 12 dwelling
units per buildable acre for land within an Urban Commercial (UC) land use district.
20
6743
Responsible Agency: Monroe County Planning& Environmental Resources Department
2) Pursuant to Section 139-1(b)(2) of the Land Development Code, the maximum net residential
density allowed per district and by this section shall not require Transferable Development
Rights (TDR) for affordable and employee housing and market rate housing developed in
accordance with subsection (b)(8) of this section. This allows a higher density for affordable
and employee housing without the transfer and retirement of additional density.
3) Pursuant to Section 139-1(b)(5),the County allows the construction of affordable housing units
on nonresidential sites, including hotel/motel density development, without deducting from
the commercial floor area allowed when calculating density, any existing lawfully established
or proposed affordable or employee housing on a parcel and the floor area thereof shall be
excluded from the calculation of the total gross nonresidential floor area). Providing a 'density
bonus' for the development of affordable or employee housing on the site with the
nonresidential use.
Responsible Agency: Monroe County Planning& Environmental Resources Department
E. Name of Strategy: Reservation of Infrastructure Capacity for Affordable Housing
Established policy and procedure: Monroe County prepares an annual Public Facilities Capacity
Report. This Report indicates that there is sufficient infrastructure capacity to accommodate the
needs of County residents.
Responsible Agency: Monroe County Planning& Environmental Resources Department
F. Name of Strategy: Allowance of Affordable Accessory Residential Units in Residential Zoning
Districts
Established policy and procedure: Additions and accessory bedrooms may be permitted on
developed parcels as an accessory use/structure. The accessory use/structure must be consistent
with existing density and Rate of Growth Ordinance(ROGO) requirements specified within the Land
Development Code and the Monroe County Comprehensive Plan.Accessory uses/structures do not
include second dwelling units, guest houses, lockouts or any other potentially habitable structures
that are occupied by a separate and independent resident/household.
Responsible Agency: Monroe County Planning& Environmental Resources Department
G. Name of Strategy: Reduction of parking and setback requirements for affordable housing
Established policy and procedure: Pursuant to Sections 102-186 and 102-187, off-street parking
requirements may be granted variances if the requisite criteria can be met.
Pursuantto Section 131-3(c), any required off-street parking spaces may be located on an accessory
driveway within the front yard setback on a parcel developed exclusively with a residential use,
provided it does not occupy more than 60 percent of the required front yard setback area and any
vehicle utilizing such an off-street parking space shall be properly licensed and operable.
Responsible Agency: Monroe County Planning& Environmental Resources Department
21
6744
H. Name of Strategy:Allowance of Flexible Lot Configurations
Established policy and procedure: Monroe County allows flexible lot configurations to the extent
setback and buffer yard requirements are met. Pursuant to Sections 102-186 and 102-187,
variances to setback and buffer yard requirements may be granted if the requisite criteria can be
met.
Pursuant to Sections 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. The 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 lots will conform to the site development standards of the applicable zoning district.
Responsible Agency: Monroe County Planning& Environmental Resources Department
I. Name of Strategy: Modification of Street Requirements
Established policy and procedure: Monroe County allows internal street configurations that meet
life safety criteria.
Responsible Agency: Monroe County Planning & Environmental Resources Department &
Engineering Department
J. Name of Strategy: Inventory of County Owned Property Suitable for Affordable Housing
Established policy and procedures: Pursuant to Section 125.379, Florida Statutes, the County has
prepared and will continue to provide an inventory of possible sites suitable for affordable housing.
(Comprehensive Plan Policy 601.1.3)
On April 21, 2021,the Monroe County BOCC reviewed the updated inventory of County owned sites
which may be appropriate for use as affordable housing. The inventory includes two developed
parcels and two vacant parcels.The two developed parcels were also included in the 2015 approved
inventory. The two vacant parcels were deeded to Habitat for Humanity in June 2022 for the
development of affordable housing.
Responsible Agency:The Clerk of Court has the list of properties approved by the Board of County
Commissioners in Resolution 167-2021. Monroe County Planning & Environmental Resources
Department.
K. Name of Strategy: Support development near transportation hubs and major employment
centers and mixed-use developments
Established policy and procedures:
1) Pursuant to Sections 130-157 and 130-139(b)(1) of the Land Development Code, the
following density bonuses are allowed for affordable and employee housing within zoning
districts that allow commercial and mixed use development: a Maximum Net Density of 18
dwelling units per buildable acre for land within a Mixed Use (MU) land use district; a
Maximum Net Density of 18 dwelling units per buildable acre for land within a Suburban
Commercial (SC) land use district; and a Maximum Net Density of 12 dwelling units per
buildable acre for land within an Urban Commercial (UC) land use district.
22
6745
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, Tavernier, Big Pine Key and No Name Key, Stock Island, and
the Lower Keys. These LCPs identify activity centers that encourage the development of
affordable housing near identified mixed use and employment centers. Proposed
amendments to the Land Development Code also incorporate these areas as community
center zoning overlay districts.
Responsible Agency: Monroe County Planning& Environmental Resources Department
3) Policy 601.1.5 of the Monroe County Comprehensive Plan states: If Monroe County
funding, or if County-donated land is to be used for any affordable housing project,
alternative sites shall be assessed according to the following guidelines:
4. Proximity to employment and retail centers. Sites within five miles of
employment and retail centers shall be preferred. [9J-5.010(3)(c)(5)]
Responsible Agency: Monroe County Planning& Environmental Resources Department
4) Pursuant to Section 114-15 of the Land Development Code, nonresidential and multi-family
uses generating over two thousand (2,000)trips per day shall be developed to encourage
mass transit, by including features such as:transit facilities, including covered bus shelters,
pedestrian/bicycle paths, bicycle racks, carpool facilities, adequate turning radii for large
vehicles, and pedestrian access to adjacent nonresidential and multi-family uses.
Responsible Agency: Monroe County Planning& Environmental Resources Department
L. Name of Strategy: Inclusionary Housing
Residential
Established policy and procedure: Per Section 139-1(e)(2) of the Land Development Code:
a. Residential developments, other than mobile home or mobile home spaces covered by
subsection (e)(2)b. of this section, that result in the development or redevelopment of
three (3) or more dwelling units on a parcel or contiguous parcels shall be required to
develop or redevelop at least 30 percent of the residential units as affordable housing
units. Residential development or redevelopment of three (3) units on a parcel or
contiguous 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 number of lawfully established
dwelling units on site, which are created by either a THE or ROGO allocation award, shall
be considered developed units.
b. The removal and replacement with other types of dwelling units of ten (10) or more
mobile homes that are located on a parcel or contiguous parcels and/or the conversion
of mobile home spaces located on a parcel or contiguous parcels into a use other than
mobile homes shall be required to include in the development or redevelopment a
number of affordable housing units equal to at least 30 percent of the number of existing
units being removed and replaced or converted from mobile home use or, in the event
the new use is nonresidential, to develop affordable housing units at least equal in
23
6746
number to 30 percent of the number of mobile homes or mobile home spaces being
converted to other than mobile home use. Removal and replacement or conversion to a
different use of ten (10) mobile homes or mobile home spaces on a parcel or contiguous
parcels shall require that three (3) units be replaced or converted to deed-restricted
affordable housing.
c. In calculating the number of affordable housing units required for a particular project, or
phase of a project, all dwelling units proposed for development or redevelopment or
mobile homes or mobile home spaces to be converted from mobile home use shall be
counted. In phased projects,the affordable housing requirements shall be proportionally
allocated among the phases. If a subsequent development or redevelopment is proposed
following a prior development approved on the same property as it existed as of the
effective date of the ordinance (ORD 030-2003, 017-2006, 011-2008 and 006-2016)from
which this section is derived, which prior development did not meet the compliance
thresholds set forth in subsection (e)(2)a. or (d)(2)b. of this section, the requirements of
subsection (e)(2)a. or (e)(2)b. of this section shall be met as part of the subsequent
development for all units proposed for development or redevelopment.
Nonresidential and Transient
Ordinance 001-2021 was adopted by the Monroe County BOCC on February 17, 2021, which
created an inclusionary housing requirement to address nonresidential and transient development
to ensure that affordable housing is provided to the local workforce by employee generating
development proportionate with the need for affordable workforce housing it creates.
The established policy and procedure is set forth in Section 139-1(f)of the Land Development Code.
The intent of the section is to ensure that there is an affordable supply of housing for the local
workforce. This will be accomplished by requiring workforce housing be provided for all new
development and redevelopment in an amount proportionate to the need for affordable workforce
housing that the nonresidential and transient use development or redevelopment creates. The
intent of this subsection is to permit nonresidential and transient use owners to continue to
establish uses consistent with the current building and safety standards and to ensure that as
development and redevelopment occurs, comprehensive plan policies regarding affordable
housing are implemented.
The technical support and analysis upon which the nonresidential inclusionary housing
requirements are established are based upon the'Affordable Workforce Housing Support Study for
Non-Residential Development,' prepared by Clarion Associates, LLC, prepared in June 2017.
Responsible Agency: Monroe County Planning& Environmental Resources Department
Recommendation: Monroe County shall maintain land development regulations on inclusionary
housing.
M. Name of Strategy: Mobile Home Park Incentive Program
Established policy and procedure: Section 139-2(b) of the Land Development Code establishes
incentives for affordable housing development by allowing the transfer of market rate ROGO
exemptions within the ROGO subarea from mobile home parks in exchange for maintaining an
equal or greater number of deed-restricted affordable dwelling units within Monroe County.
24
6747
This program provides an eligible sender site owner the opportunity to transfer market rate
ROGO exemptions currently associated with existing and lawfully established dwelling units from
eligible sender sites to receiver site(s) within Monroe County, provided that it involves the
pooling of affordable dwelling unit rights for redevelopment at donated, purchased or otherwise
appropriately deed-restricted sites, and transfer of ROGO exemptions or allocations for the
purpose of implementing and facilitating one or more affordable housing projects.
Responsible Agency: Monroe County Planning& Environmental Resources Department
N. Name of Strategy: Employee Housing, Commercial Apartments, and Workforce Housing as
Permitted Uses
Established policy and procedure: The Monroe County Land Development Code currently permits
"Employee Housing"and/or"Commercial Apartments" in several Land Use (Zoning) Districts where
residential units are not otherwise permitted. Per Section 101-1 of the code:
Employee housing means an attached or detached dwelling unit that is intended to serve as
affordable, permanent housing for working households, which derive at least 70 percent of their
household income from gainful employment in the county and meet the requirements for
affordable housing as defined in this section and as per section 130-161.
Commercial apartment means an attached or detached residential dwelling unit located on the
same parcel of land as a nonresidential use that is intended to serve as permanent housing for the
owner or employees of that nonresidential use.The term does not include a tourist housing use or
vacation rental use.
Ordinance 001-2021 was adopted by the Monroe County BOCC on February 17, 2021, which
created a definition for "workforce" and "workforce housing" as a part of a larger ordinance to
create an inclusionary housing requirement to address nonresidential and transient development.
The new Workforce housing use is interchangeable with the terms detached or attached dwellings,
employee housing or commercial apartments included in the land use districts and shall be a
permitted use in all land use districts where detached dwelling, attached dwellings, employee
housing or commercial apartments are included as a current permitted use.The adopted definitions
are consistent with the recommendation from the AHAC specified in Resolution 01-2016.
Established definitions in LDC Section 101-1:
Workforce means individuals or families who are gainfully employed supplying goods and/or
services to Monroe County residents or visitors.
Workforce Housing means dwelling units for those who derive at least 70% of their income as
members of the Workforce in Monroe County and who meet the affordable housing income
categories of the Monroe County Code.Workforce housing shall be interchangeable with the terms
detached or attached dwellings, employee housing or commercial apartments included in the land
use districts and shall be a permitted use in all land use districts where detached dwelling,attached
dwellings, employee housing or commercial apartments are included as a current permitted use.
An applicant choosing to develop workforce housing is subject to the requirements of Chapter 139
and all other requirements included in the land development code, including but not limited to,
density, parking, bufferyards, access, etc.
25
6748
Responsible Agency: Monroe County Planning& Environmental Resources Department
O. Name of Strategy: Purchase and Lease Back Program
Established policy and procedure: The County has a purchase and lease-back program for
affordable housing.
Additionally,the County has actively participated in the federal and state grant opportunities made
available after Hurricane Irma to acquire and redevelop mobile parks as workforce housing. The
County has applied for a Community Development Block Grant-Disaster Recovery(CDBG-DR)grant
to fund the property's purchase price and development costs.
Responsible Agencies: Monroe County Land Development Authority; Monroe County Housing
Authority and Monroe County Attorney's Office.
Required
A. Administrative Budget for each fiscal year covered in the Plan. Attached hereto as "Exhibit A."
B. Timeline for Estimated Encumbrance and Expenditure. Attached hereto as "Exhibit B."
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the plan. Attached hereto as "Exhibit C."
D. Signed LHAP Certification.Attached hereto as "Exhibit D."
E. Signed, dated, witnessed or attested adopting resolution. Attached hereto as "Exhibit E."
Optional
F. Ordinance: (If changed from the original creating ordinance). N/A
G. Interlocal Agreement (Required if applicable). N/A
H. Other Documents Incorporated by Reference. N/A
26
6749
Exhibit A
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
MONROE COUNTY, FLORIDA Exh ibit
A(2025)
Fiscal Year: 2025-2026
Estimated SHIP Funds for Fiscal Year: $ 663,805.00
Salaries and Benefits $ 61,900.00
,Office Supplies and Equipment $ 3,000.00
Travel Per them Workshops, etc.
'Advertising $ 1,450.00
1Other*
Total 66,350.00
Admin % 10.00%
Fiscal Year 2026-2027
Estimated SHIP Funds for Fiscal Year: $ 663,805.00
Salaries and Benefits $ 61,900.00
Office Su lies and Equ meet 3,000.00
..............................q
Travel Per them Workshops, etc. $
Advertisin $ 1,450.00
Other*
Total 66,350.00
Admin % 10.00%1
Fiscal Year 2027-2028
Estimated SHIP Funds for Fiscal Year: $ 663,805.00
,Salaries and Benefits $ 61,900.00
Office Supplies and Eq $ 3,000.00
...................................................................................
Travel Per them Workshops, etc. $
Advertisin $ 1,450.00
,Other* $
Total $ 66,350.00
..............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
Admin % 10.00%
*All "other" items need to be detailed here and are subject to review and approval by
the SHIP review committee. Project Delivery Costs that are outside of administrative
costs are not to be included here, but must be detailed in the LHAP main document.
PTk-G-E2 7
6750
FY 2025-2028
Exhibit B
Timeline for SHIP Expenditures
MONROE COUNTY, FLORIDA affirms that funds allocated for these fiscal years will
(local government)
meet the following deadlines:
..................................................................................................................................................................................................................................................................................................................................................................................................................................
Fiscal Year Encumbered Expended Closeout
Report
...................................................................................................................................................................................................................................................................................................................................................................................................................................
2025-2026 6/30/2027 6/30/2028 9/15/2028
...................................................................................................................................................................................................................................................................................................................................................................................................................................
2026-2027 6/30/2028 6/30/2029 9/15/2029
...................................................................................................................................................................................................................................................................................................................................................................................................................................
..........................................
If funds allocated for these fiscal years is not anticipated to meet expenditure deadlines, Florida Housing
Finance Corporation should be notified according to the following dates:
"I'l""I'll""I'll'll""I'll""IlI..........................................................................
Funds -------------
Fiscal Year Closeout AR
Expended Not
Submitted
.............................I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I.I
2025-2026 3/30/2028 6/15/2028
........................................................................................................................................................................................................................................................................................................................
3/30/2029 6/15/2
..................................................................................................................;................ 9?9....................
2 3/30/2030 6/15 2030
—----------- )
Requests for Expenditure Extensions(close-out year ONLY) must be emailed to
.r..o b e r t d e a.rd u ffP f.l.o r i.d a 1.2 o u s i i.31.219_and include:
........................................ .................. .... ..................................... ... ........
1. A statement that"(city/county) requests an extension to the expenditure deadline for fiscal
year
2. The amount of funds that is not expended.
3. The amount of funds that is not encumbered or has been recaptured.
4. A detailed plan/timeline of how/when the one will be expended.
Note:an extension to the expenditure deadline(June 30)does not relieve the requirement to submit
(September 15)the annual report online detailing all funds that have been expended.
Other Key Deadlines:
AHAC reports are now due annually by December 31. Local governments receiving the minimum (or less)
allocation may choose not to report.
ACFR financial statements are due each June 30 for the report ending September 30 of the previous year.
PAGE28
6751
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6754
Exhibit D
67-3T005(1), F.A.C.
2025
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity: MONROECOUNTY
Certifies that:
(1) The availability of SHIP funds will be advertised pursuant to program requirements in 420.907-
420.9079, Florida Statutes.
(2) All SHIP funds will be expended in a manner which will ensure that there will be no
discrimination on the basis of race, color, national origin, sex, handicap, familial status, or
religion.
(3) A process to determine eligibility and for selection of recipients for funds has been
developed.
(4) Recipients of funds will be required to contractually commit to program guidelines and loan
terms.
(5) Florida Housing will be notified promptly if the local govemment/interlocal entity will be
unable to comply with any provision of the local housing assistance plan (LHAP).
(6) The LHAP provides a plan for the encumbrance of funds within twelve months of the end of the
State fiscal year in which they are received and a plan for the expenditure of SHIP funds
including allocation, program income and recaptured funds within 24 months following the end
of the State fiscal year in which they are received.
(7) The LHAP conforms tothe Local Govenunent Comprehensive Plan, or that an amendment tothe
Local Govemment Comprehensive Plan will be initiated at the next available opportunity to
insure conformance with the LHAP.
(8) Amendments tothe approved LHAP shall be provided to Florida Housing for review and/or
approval within 21 days after adoption.
(9) The trust fund exists with a qualified depository for all SHIP funds as well as program income or
recaptured funds.
(10) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted by
law.
PAGE32
1.
6755
Exhibit D
67-37.005(1),F.A.C.
2025
(11) The local housing assistance trust fund shall be separately stated as a special revenue fund in the
local governments audited financial statements(ACFR). An electronic copy of the ACFR or a hyperlink
shall be provided to Florida Housing by June 30 of the applicable year.
(12) Evidence of compliance with the Florida Single Audit Act,as referenced in Section 215.97, F.S.
shall be provided to Florida Housing by June 30 of the applicable year.
(13) SHIP funds will not be pledged for debt service on bonds.
(14) Developers receiving assistance from both SHIP and the Low-Income Housing Tax
Credit (LIHTC)Program shall comply with the income,affordability and other LIHTC
requirements,similarly, any units receiving assistance from other federal programs shall comply
with all Federal and SHIP program requirements.
(15) Loans shall be provided for periods not exceeding 30 years,except for deferred payment
loans or loans that extend beyond 30 years which continue to serve eligible persons.
(16) Rental Units constructed or rehabilitated with SHIP funds shall be monitored for compliance
with tenant income requirements and affordability requirements or as required in Section
420.9075 (3)(e). To the extent another governmental entity provides periodic monitoring and
determination,a municipality,county,or local housing financing authority may rely on such
monitoring and determination of tenant eligibility.
(17) The LHAP meets the requirements of Section 420.907-9079 FS, and Rule Chapter 67-37 FAC.
(18) The provisions of Chapter 83-220, Laws of Florida have not been:implemented (except for,
Miami-Dade County).
Witness �Elected fficial or designee
Mayor JamessKK.Scholl,
Witness Type Name and Title _
Ap?rt�ved as tca legal flown jr.uffi tncy:
Date .. ve?]'roved
Lewis r
_3ssi=m Cmnty Attorney . C..
Date: 619J2025
OR Attest: Kevin Madok, Clerk40
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As De ut Clerk F ' "05 `�` 'A ' 33
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6756
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MONROE COUNTY, FLORIDA
AFFORDABLE HOUSING ADVISORY COMMITTEE
RESOLUTION NO. 02- 2025
A RESOLUTION BY THE AFFORDABLE HOUSING ADVISORY
COMMITTEE (AHAC) RECOMMENDING MODIFICATIONS
TO RESOLUTION 01-2025 WHICH ADOPTED THE CURRENT
2025-2026, 2026-2027, 2027-2028 LOCAL HOUSING ASSISTANCE
PLAN (LHAP) PURSUANT TO THE STATE HOUSING
INITIATIVES PARTNERSHIP PROGRAM ACT, SECTIONS
420.907-420.9079, FLORIDA STATUTES, AND CHAPTER 67-37,
FLORIDA ADMINISTRATIVE CODE; PROVIDING FOR
SEVERABILITY; AND PROVIDING AN EFFECTIVE DATE.
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, ss. 420.907-420.9079,
Florida Statutes, and Chapter 67-37,Florida Administrative Code,requires local governments to develop
a Local Housing Assistance Plan (LHAP) outlining how funds will be used for up to a three (3)-year,
corresponding with the State's fiscal year (July 1 to June 30); and
WHEREAS, Monroe County participates in the SHIP Program and is a recipient of funding for
its affordable housing programs and activities; and
WHEREAS, Monroe County Social Services administers the County's SHIP program as
approved by the Monroe County Board of County Commissioners on January 17, 2018, memorialized
by Resolution No. 003A-2018; and
WHEREAS, the Monroe County Board of County Commissioners approved the current 2025-
2026, 2026-2027, 2027-2028 LHAP on June 18, 2025, memorialized by Resolution No. 230-2025; and
WHEREAS,the current LHAP is in effect until June 30, 2028; and
WHEREAS, the County must maintain the current LHAP for the upcoming three (3) year
interval in order to maintain its compliance with the SHIP Program; and
WHEREAS, the Florida Legislature has previously taken the view that affordable housing is
most effectively provided by combining public and private resources, and that local governments may
achieve this combination of resources by encouraging active partnerships between government, lenders,
builders, real estate professionals, advocates for low-income persons, and community groups to produce
affordable housing, and that such partnership concept may likewise be extended among counties and
municipalities; and
AHAC Reso. 02-2025 1 of 3
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WHEREAS, additionally, the Florida Legislature has cited that local governments may achieve
this combination of resources through the establishment of an Affordable Housing Advisory Committee
(AHAC) to recommend monetary and non-monetary incentives for affordable housing as provided in §
420.9076, Fla. Stat.; and
WHEREAS,Fla. Admin. Code Chapter 67-37, "State Housing Initiatives Partnership Program,"
sets forth various rules regarding the SHIP Program generally, the LHAP, the annual report from the
AHAC, among many other features of the Program; and
WHEREAS, pursuant to state law and administrative code, and consistent with the Monroe
County Code of Ordinances, specifically Section 2-701, "Duties of the affordable housing advisory
committee," and Section 2-702, "Public hearing," the AHAC has performed its duties and held a public
hearing on August 29, 2025;
WHEREAS, in those public meetings, the AHAC has reviewed and discussed the established
local laws, policies, and procedures, and hereby recommends specific updates, actions, or initiatives to
encourage or facilitate affordable housing while protecting the ability of the property to appreciate in
value; and
WHEREAS, in addition to this its Annual Report, the AHAC recommends the following
amendments with regard to the 25-26-27 LHAP:
1. Updates and additions to the Shared Appreciation Provision to include refinancing
language and to clarify the definition of appreciated value specific to refinancing; and
2. Update and amend the Default Language to include homestead exemption requirements.
NOW, THEREFORE, BE IT RESOLVED BY THE AFFORDABLE HOUSING
ADVISORY COMMITTEE OF MONROE COUNTY, FLORIDA:
Section 1. That the foregoing "WHEREAS" clauses are hereby ratified and confirmed as
being true and correct and are hereby made a specific part of this resolution. In addition, "Exhibit A"
entitled, "Monroe County, Florida SHIP Local Housing Assistance Plan (LHAP) 2025-2026, 2026-
2027, 2027-2028," attached hereto is incorporated herein and made a specific part of this resolution.
Section 2: That the Monroe County Affordable Housing Advisory Committee has completed
its annual review on incentive strategies and offers this Resolution as its Annual Report, along with
recommendations that will update and clarify other portions of the current LHAP. As such, the AHAC
recommends that the Board of County Commissioners adopts the amendments to the current three (3)-
year LHAP, reflecting those updates and clarifications, attached hereto and incorporated herein as
"Exhibit A."
Section 3: That the Monroe County Staff Liaison to AHAC, or designee, is hereby directed
to transmit this resolution to the Monroe County Board of County Commissioners and Florida Housing
and Finance Corporation in compliance with § 420.9076(5), Fla. Stat.
Section 4: That if any clause, section, other part or application of this resolution is held by
any court of competent jurisdiction to be unconstitutional or invalid, in part or in application, it shall not
affect the validity of the remaining portion or applications of this resolution.
A14AC Reso. 02-2025 2 of 3
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Section 5: That this resolution shall be in full force and effect immediately upon its adoption.
PASSED AND ADOPTED by the Affordable Housing Advisory Committee of Monroe County,
Florida, at a meeting of said Committee held on the this 29th of August, 2025.
Commissioner Craig Cates YES
John Brooke ABSENT
Lauren Dunn YES
Kurt Lewin ABSENT
Tim Root ABSENT
Mary Schindler YES
Chris Todd Young YES
Joe Scarpelli YES
Joe Walsh YES
Monroe County Staff Liaison to AHAC
By:_
Cheryl Cioffari, Asst. Director Planning
Approved as to legal form and sufficiency:
MONAOE COU44TY ATTORNEY
AP VED aI I
By.
aA, d 8/29/25 f
Peter Morris, Asst. County Attorney
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