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Resolution 161-2001 RESOLUTION 161 - 2001 A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF MONROE COUNTY, FLORIDA ADOPTING THE STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) LOCAL HOUSING ASSISTANCE PLAN (LHAP) FOR STATE OF FLORIDA FISCAL YEARS 2001-2002, 2002-2003, 2003- 2004 AND OTHER REQUIRED APPROVALS. WHEREAS, Monroe County has successfully participated in the State Housing Initiatives Partnership (SHIP) since its creation in 1993, and WHEREAS, Florida Statute 420,9075 and State Rule 9I-37,005 require participating local governments to submit to the Florida Housing Finance Corporation a Local Housing Assistance Plan (LHAP) at least every three years, and WHEREAS, The Special Programs Office, Monroe County Housing Authority, as Programs Administrator of Monroe County's State Housing Initiatives Partnership (SHIP), has conducted three public hearing throughout Monroe County to receive public comments on the design and implementation of the Local Housing Assistance Plan, and NOW, THEREFORE, BE IT RESOLVED, by the Board of County Commissioners of Monroe County, Florida, that the County hereby: 1. Adopts the Monroe County Local Housing Assistance Plan. 2, Adopts the maximum and average award schedule as listed III the Local Housing Assistance Plan. 3, Approves the continued ten (10) percent allowance for administration. 4, Authorizes the Mayor/Chairman to execute on behalf of the County all documents and certifications required for submission to the Florida Housing Finance Corporation, PASSED AND ADOPTED, by the Board of County Commissioners of Monroe County, Florida at a regular meeting on said Board on the 18thdayof April , A,D., 2001 Mayor Neugent Mayor Pro Williams Commissioner Spehar Nelson ~cCoy '\\ ~~ .11 .. Sl'\ ~ I ~~ ';.4 f// .'~NY L. KOLHAGE, Clerk .:'# ~, ~ B~OF COUNTY COMMISSIONERS OF OE COUNTY, FLO B ,e ~CJ Mayor/ airman N eugent ~ <:) o 0 ...... "t> :u,,' :z: 0-- :bo ,." ~ --( -< n' 0,,: ~ ~5J;:l, -i' C) :z.. ;<~!: :z: ..,,' '> "!} r. '. f~ fTl 0 -. ~ ~ yes yes "T? - ;- ~ o -" o ;:0 :::0 ", ("') o ;:0 o o.c. Approved as to form and legal sufficiency: I.r !!: MONROE COUNTY LOCAL HOUSING ASSISTANCE PLAN Prepared in conjunction with Monroe County's participation in the State Housing Initiatives Partnership (SIllP) Program for State Fiscal Year 2001-2002 State Fiscal Year 2002-2003 State Fiscal Year 2003-2004 Submitted to Florida Housing Finance Corporation May, 2001 Prepared by: Special Programs Office 140312th Street Key West, Florida 33040 Ph: (305) 292-1221 ~ MONROE COUNTY STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM LOCAL HOUSING ASSISTANCE PLAN State Fiscal Years 2001-2002, 2002-2003, 2003-2004 I. PROGRAM DESCRIPTION Monroe County has participated in the State of Florida's State Housing Initiatives Partnership (SHIP) Program since its creation in 1993, Monroe County has continued to expand the strategies used to successfully implement and leverage the SHIP Program within the framework established by Florida Statute and State Rule, This Local Housing Assistance Plan (LHAP) covers the State of Florida fiscal years 2001- 2002,2002-2003,2003-2004, The plan was developed based on eight years SHIP administration experience, previously approved Local Housing Assistance Plans and three public meetings conducted for the sole purpose of soliciting comment specific to the preparation this LHAP, Advertisements of public meetings were placed in three separate newspapers serving Monroe County, Three public meetings were conducted countywide, (1) Harvey Government Center at Historic Truman School, Key West, Mile Marker 0, (2) Marathon Government Center, 48, and (3) Islamorada Public Library, Mile Marker 81,5, All facilities were handicapped accessible. Existing and proposed strategies, budget allocations and SHIP state program requirements were distributed and discussed, Draft copies of the Plan were posted at all county public libraries, Public input was incorporated into the plan, Support services for the implementation of Monroe County's SHIP program will continue to be provided through the Special Programs Office, Monroe County Housing Authority. This office has provided continued affordable housing support services through participation in the HOME Program, Single Family Mortgage Revenue Bond (MRB) Program, Community Development Block Grant Programs on behalf of Monroe County and the City of Marathon, U,S, Department of Housing and Urban Development programs and Federal Emergency Management Agency (FEMA) programs, This office also coordinates with the Key West Community Development Office providing support services, Further, the Special Programs Office provides administrative support to the Monroe County Housing Finance Authority, II. INTERLOCAL AGREEMENTS Since the initiation of Monroe County's local SHIP program in 1993, the program has been for countywide participants within the unincorporated and incorporated areas of the county, There is not any need for interlocal agreements, III. LOCAL HOUSING PARTNERSHIPS Monroe County has been and will continue to use the SHIP Program to develop successful partnerships and additional resources to assist in reducing the cost of housing acquisition, construction and/or rehabilitation, These partnerships include local governments, lending institutions, housing developers, community based housing and service organizations, A summary of these partnerships and resources include the following: The Monroe County Land Authority for Monroe County The Monroe County Land Authority for City of Key West Community Development Block Grant Monroe County Housing Finance Authority Monroe County Florida Department of Environmental Protection City of Key West's Mayor's Revolving Loan Fund DCA Residential Mitigation Grant Program/Habitat Habitat for Humanity/ DCA Unmet Needs Monroe County Land Authority for the City of Key West Federal Emergency Management Agency (FEMA) Bahama Conch Community Land Trust (BCCL T) Tax Increment Financing (TIF) Center for Independent Living Habitat for Humanity $1,573,600 $1,956,000 $ 750,000 $ 75,000 $ 135,000 $ 100,000 $ 500,000 $ 889,000 $ 503,000 $2,718,000 $2,750,000 $ 150,000 $ 30,000 Service Provider Service Provider IV. STRATEGIES HOMEOWNERSHIP STRATEGIES Homeowner Wastewater Improvement Strategy Funding assistance to upgrade sewage treatment and disposal systems, Eligible activities include cesspool replacement, septic system upgrade and central sewer lateral connection, 2001-2002, 2002-2003, 2003-2004 Very low, low, moderate Eligible applicants mandated to upgrade under State Health Department, County or City Ordinance, Type of Assistance: Grants not to exceed $8,000 Recapture: N/A Leverage: Community Development Block Grant, Dept. of Environmental Protection Environmental Protection Agency, Federal Emergency Management Agency Name: Description: Fiscal Years: Income Level: Selection Criteria: Name: Homeowner Rehabilitation and/or Emergency Repairs Program Funding assistance for eligible homeowners to secure health and safety work items (Le, electrical plumbing, roof, public water connection, structural repairs, or other interior/exterior repairs under HUD's Housing Quality Standards (HQS), 2001-2002, 2002-2003, 2003-2004 Very low and low Initiation of SHIP fiscal year application cycle on first come/first served basis until annual funding expended. Type of Assistance: Grants to $8,500 for very low-income households and to $7,500 for low-income households, Mortgage loans to $35,000 for very low-income households and mortgage loans to $25,000 to low-income households. Mortgage loans will be for a term of twenty (20) years, zero interest with no regular payment. Principal balance is forgiven at a rate of 1/20th annually, Due and payable upon sale or transfer of the property or failure to comply with the mortgage affordability covenants, Mayor's Revolving Loan Fund, Habitat for Humanity, Community Development Block Grant First Time Homebuyers Program/Strategy Funding assistance for the purchase or construction of single-family residential property, Fiscal Years: 2001-2002, 2002-2003, 2003-2004 Income Levels: Low and moderate Selection Criteria: Application and Lottery System Type of Assistance: Mortgage loans not to exceed $40,000 to low-income households and not to exceed $25,000 to moderate-income households, Annually the SHIP Administrator shall determine and publish the maximum loan available for each fiscal year, not to exceed the limits above, Mortgage loans will be for a period of thirty (30) years, zero interest with no regular payment. Mortgage and note are Fannie Mae approved as Community Homebuyer Second, Minimum 3% down payment required, PITI cannot exceed 30% of the gross household income unless agreement between first mortgagee and SHIP Administrator that in meeting the programs fiduciary responsibilities, a higher percent of gross household income may be expended for PITI, Property must be primary residence of borrower and eligible for homestead exemption status, Property must meet Housing Quality Standards (HQS) for health and safety. Any HQS deficiencies must be corrected prior to or as part of the purchase transaction, Due and payable upon sale or transfer of the property or thirty years, whichever comes first. Single Family Mortgage Revenue Bond Programs Description: Fiscal Years: Income Level: Selection Criteria: Recapture: Leverage: Name: Description: Recapture: Leverage: Name: Mortgage Revenue Bond (MRB), Down Payment Assistance Program Funding assistance for the purchase or construction of a single-family residential property in conjunction with Mortgage Revenue Bond financing, 2001-2002,2002-2003,2003-2004 Low and moderate First come/First qualified upon issuance of a primary loan commitment from an institution participating in a Mortgage Revenue Bond Program, Type of Assistance: Mortgage loans equal to 3% of the property purchase price, plus $2,000, not to exceed $10,000. Mortgage loans will be for a period of thirty (30) years, zero interest with no regular payment. Mortgage and note are Fannie Mae approved as Community Homebuyer Second, PITI cannot exceed 30% of the gross household income unless agreement between first mortgagee and SHIP Administrator that in meeting the programs fiduciary responsibilities, a higher percent of gross household income may be expended for PITI, Property must be primary residence of borrower and eligible for homestead exemption status, Property must meet Housing Quality Standards (HQS) for health and safety, Any HQS deficiencies must be corrected prior to or as part of the purchase transaction. Due and payable upon sale or transfer of the property or thirty years, whichever comes first. Homeownership Development Strategy Funds provided loans to public agencies and non-profit affordable housing development organizations whose occupant clients are very low and low income households, Funds may be used for acquisition and/or construction. The SHIP mortgage may be assumed by the qualified buyer subject to SHIP Administrator approval. In the event the property is retained by the developer under a long term lease (land trust), the mortgage may be retained by the developer in the event affordability is maintained through conditions of the ground lease, 2001-2002, 2002-2003, 2003-2004 Very low and low Initiation of SHIP fiscal year application cycle on a first come/first qualified basis until annual funding allocation expended, SHIP Administrator must approve developer's client selection process for compliance with the SHIP Program, Type of Assistance: Mortgage loans up to $40,000 for properties designated by very low income households and up to $25,000 for properties designated for low- income households, Due and payable upon sale or transfer of the property or thirty years, whichever comes first. In the case of leased land, affordability covenants of the lease must be maintained and enforced by the leaseholder developer, Description: Fiscal Years: Income Levels: Selection Criteria: Recapture: Name: Description: Fiscal Years: Income Category: Selection Criteria: Recapture: Leverage: Name: Description: Federal Emergency Management Agency, HOME Program, Tax Increment Financing, Community Tax Credit Homeowner Disaster Mitigation Strategy Funds provided to homeowners to make temporary emergency health and safety repairs and/or property rehabilitation. In the event of a state or federal disaster declaration affecting all or part of Monroe County, the SHIP administrator, on behalf of the Board of County Commissioners, shall be authorized to: 1, Request and administer additional state funds to assist with disaster recovery, 2, Use unencumbered local SHIP funds to meet the priorities of the Disaster Mitigation Strategies (Homeownership and Rental) in an amount not to exceed twenty percent (20%) of the state's annual SHIP funding allocation. Such funds are subject to the state funding program requirements, 3, Transfer existing unencumbered SHIP funds within existing homeownership strategies to the Homeownership Disaster Mitigation Strategy 2001-2002, 2002-2003, 2003-2004 Very low and low and moderate Priority consideration to very low and low-income households on a first come/first qualified basis, Type of Assistance: Grants not to exceed $5,000. Recapture: N/A Leverage: Federal Emergency Management Agency Programs, private insurance deductibles and state disaster mitigation/emergency management funding Fiscal Years: Income Category: Selection Criteria: Name: Description: Fiscal Years: Income Level: Selection Criteria: RENTAL STRATEGIES Rental Construction (New or Rehabilitation) Funds provided for the construction and/or rehabilitation of affordable housing rental units occupied by very low and low income tenants, 2001-2002, 2002-2003, 2003-2004 Very low and low Initiation of SHIP fiscal year application cycle on a first come/first qualified basis until annual funding allocation expended, Priority as follows: 1, Existing or proposed units participating under a state or federal rental assistance program, 2, Conversion of units to annual rentals by non-profit entity, 3, Conversion of units to annual rentals by for profit entity. Type of Assistance: Loans up to $10,000 per unit, $50,000 per provider, Where a property is owned fee simple, a fifteen (15) year mortgage/note shall be executed for a term of fifteen years, no interest, no regular payment. The principal balance shall be forgiven at a rate of 1 /15th annually, Where the property is on long term lease (fifteen years or greater) an annual affidavit of affordability and compliance shall be provided the SHIP Administrator, Recapture: Loans due and payable upon sale, transfer of the property or expiration or termination of long term lease containing affordability covenants, Leverage: HOME, HOPWA, Special Needs Housing (New or Rehabilitation) Strategy Funds provided to public and private non-profit entities providing residential facilities for special needs clients, Eligible activities include construction and/or rehabilitation of residential units occupied by very low and low income clients, 2001-2002, 2002-2003, 2003-2004 Very low and low Initiation of SHIP fiscal year application cycle on a first come/first qualified basis until annual funding allocation expended, Priority as follows: 1, Long term care facility 2, Highest percentage of very low income clients/residents 3, First time SHIP assistance 4. Number of clients served by facility Type of Assistance: Grants up to $8,000 per facility/per provider, Loans up to $24,000 per facility/per provider. Loans due and payable upon sale, transfer of the property or expiration or termination of long term lease containing affordability covenants, U.S. HUD grants, State of Florida, Children and Family Services grants, Foundation grants, Name: Description: Fiscal Years: Income Levels: Selection Criteria: Recapture: Leverage: Name: Description: Fiscal Years: I ncome Category: Selection Criteria: Rental Development Strategy Funds provided to affordable housing developers for the acquisition and/or construction of new rental units dedicated to very low and low income households, Properties must be dedicated by legal instrument with affordability dedicated for a minimum of fifteen (15) years, 2001-2002, 2002-2003, 2003-2004 Very low and low client bases Initiation of SHIP FY application cycle on a first come/first qualified basis with priority to government entities and non-profit developers, Type of Assistance: Maximum assistance is $5,000 per unit/$75,000 per provider. Assistance up to $25,000 in the form of a grant. Assistance up to $75,000 in the form of a mortgage loan, Where a property is owned fee simple, a fifteen (15) year mortgage/note shall be executed for a term of fifteen years, no interest, no regular payment. The principal balance shall be forgiven at a rate of 1/15th annually, Where the property is on long term lease (fifteen years or greater) an annual affidavit of affordability and compliance shall be provided the SHIP Administrator, Recapture: Due and payable upon sale or transfer of the property or failure to comply with the mortgage affordability covenants, Leverage: Home, Tax Credit, Federal Emergency Management Agency, CDBG, Name: Description: Rental Housing, Disaster Mitigation Strategy Funds provided to public and private owners of rental units dedicated by legal instrument (long term lease agreement, deed restriction, mortgage covenant., ,) very low and low household occupancy. Funds provided to make temporary emergency health and safety repairs and/or property rehabilitation, In the event of a state or federal disaster declaration affecting all or part of Monroe County, the SHIP administrator, on behalf of the Board of County Commissioners, shall be authorized to: 1, Request and administer additional state funds to assist with disaster recovery, 2, Use unencumbered local SHIP funds to meet the priorities of the Disaster Mitigation Strategies (Homeownership and Rental) in an amount not to exceed twenty percent (20%) of the state's annual SHIP funding allocation, Such funds are subject to the state funding program requirements, 3. Transfer existing unencumbered SHIP funds within existing homeownership strategies to the Rental Disaster Mitigation Strategy 2001-2002, 2002-2003, 2003-2004 Very low and low and moderate Priority consideration to very low and low-income households on a first come/first qualified basis, Type of Assistance: Grants not to exceed $5,000 per unit. Total SHIP assistance not to exceed $20,000 to any single applicant/provider. N/A Federal Emergency Management Agency Programs, private insurance deductibles and state disaster mitigation/emergency management funding Fiscal Years: Income Category: Selection Criteria: Recapture: Leverage: TIMETABLE FOR EXPENDITURES Attached AFFORDABILlTY Homeownership Strategies/Activities The Income limits, adjusted for household size, shall be in the amounts allocated for Monroe County as published annually by the Florida Housing Finance Corporation for participation in the State Housing Initiatives Partnership Program, Income limits as published by the Florida Housing Finance Corporation as of April 11, 2001 are as follows: H h /d S. ~ L L Mdt ouse 0 Ize ery ow ow o era e One Person $18,250 $29,200 $43,800 Two Persons $20,850 $33,350 $50,040 Three Persons $23,450 $37,500 $56,280 Four Persons $26,050 $41,700 $62,520 Five Persons $28,150 $45,000 $67,560 Six Persons $30,200 $48,350 $72,480 Seven Persons $32,300 $51,700 $77,520 Eiaht Persons $34,400 $55,000 $82,560 The housing debt, inclusive of Principal, Interest, Taxes and Insurance (PITI) shall not exceed 30% of the area median income adjusted by household size unless the first mortgagee and the SHIP Administrator agree based on fiduciary responsibilities that the percent of gross household income may exceed 30%, (A number of community lending programs requiring a minimum of 3% to 5% down use house payment ratios of 33% and total debt ratio of 38% and will adjust on individual cases.) Rental Strategies/Activities Monthly rental maximums of SHIP assisted units, adjusted to bedroom size, shall be established for Monroe County by the State Housing Initiatives Partnership Program and published annually by the Florida Housing Finance Corporation. Rental maximums as published by the Florida Housing Finance Corporation as of April 11, 2001 are as follows: U 'tS' ~ L L Mdt m Ize ery ow ow o era e Efficiency $456 $730 $1,095 One Bedroom $488 $781 $1 ,173 Two Bedroom $586 $937 $1,407 Three Bedroom $677 $1,083 $1,626 Four Bedroom $755 $1,208 $1,812 Monroe County's median income as published by the Florida Housing Finance Corporation as of April 11 ,2001 is $52,100, Very low-income households are those households with incomes of less than 50% of the median, adjusted for family size, Low-income households are those households with incomes of between 50% and 80% of median, adjusted for family size, Median income households are those households with incomes of between 80% and 120% of median, adjusted for family size. ADVERTISEMENT AND OUTREACH SHIP Program applications will continue to be placed in all county libraries which provides access to all county residents, Applications may also be requested directly the Special Programs Office, Availability of applications will also be advertised on the Monroe County bulletin board that appears on cable TV countywide, Radio PSA's will be issued, News releases will be furnished to the countywide newspapers. The county will place a display advertisement in three countywide newspapers announcing the availability of funding through the local Housing Assistance Program at least 30 days prior to the beginning of each year's application period, ADMINISTRATIVE EXPENSES The Monroe County Local Housing Assistance Plan shall continued to be administered by the Special Programs Office, Monroe County Housing Authority, 1403 12th Street, Key West, Florida 33040, (305) 292-1221, pursuant to the Interlocal Agreement approved by BOCC Resolution 162-1993, April 14, 1993, until further written notification to the Florida Housing Finance Corporation by the Board of County Commissioners, Monroe County, The Director of the Special Programs Office shall be Monroe County's official SHIP Program Administrator responsible to the Florida Housing Finance Corporation's SHIP Program until written notification from the County Administrator. The SHIP Administrator shall: (1) be responsible for the implementation of the Local Housing Assistance Plan and to meet the county's responsibilities under the State Housing Initiatives Partnership Program's regulations and reporting requirements, At a minimum this consists of: 1, A minimum of 65% of annual funds must be spent on eligible homeownership activities. 2, A minimum of 75% of annual funds must be spent on eligible construction activities, 3, At least 30% of the annual allocation must be reserved for very low-income households 4, At least 30% of the annual allocation must be reserved for low-income households (2) after gO-calendar days from the publication of local Housing Assistance Funding Availability, have the authority to re-allocate the SHIP dollars within the specific homeownership strateoies and within the specific rental strateoies as the Administrator deems necessary to meet actual needs of applicants and in meeting the SHIP regulations, The previous experience of implementing numerous strategies countywide has provided a sufficient finding that five (5%) percent of the Local Housing distribution is insufficient to adequately pay administrative costs of the SHIP Program and the BOCC recognizes and approves the maximum amount allowable of ten percent (10%) of the Local Housing Distribution to be used for required administrative costs, Any applicable program income/recaptured funds shall be subject to a five percent (5%) administrative costs in their re-allocation to eligible clients through approved strategies, The BOCC shall consider any additional expense required to administer the local Housing Assistance Plan during its annual budget process, The SHIP administrative funds shall be allocated as follows: ESTIMATED ADMINISTRATIVE EXPENDITURE BUDGET Descriotion FY 01-02 FY02-03 FY 03-04 Salaries Administrator $ 10,000 $ 10,000 $ 10,000 Program Coordinator $ 20,000 $ 20,000 $ 20,000 Program Assistant $ 8,000 $ 8,000 $ 8,000 Administrative Assistant $ 5,000 $ 5,000 $ 5,000 Comptroller $ 4,000 $ 4,000 $ 4,000 Bookkeeper $ 3,000 $ 3,000 $ 3,000 Benefits (28%) $ 14,000 $ 14,000 $ 14,000 Heath Insurance $ 1,300 $ 1,300 $ 1,300 Advertising $ 750 $ 750 $ 750 Printing/Copying $ 750 $ 750 $ 750 Postage $ 500 $ 500 $ 500 Phones $ 400 $ 400 $ 400 Supplies $ 750 $ 750 $ 750 Re $ 2,400 $ 2,400 $ 2,400 Equipment (>$750) $ 1,000 $ 1,000 $ 1,000 Repairs/Maintenance $ $ $ Utilities $ 500 $ 500 $ 500 Books/Publications $ 100 $ 100 $ 100 Travel $ 553 $ 553 $ 553 Professional Service $ $ $ TOTAL $ 73,003 $ 73,003 $ 73,003 Additionally, the Special Programs Office, in its capacity as administrator of the SHIP Program will provide the following services throughout Monroe County: 1. First time homebuyer education seminars 2, Homeownership counseling 3, Fair Housing education 4, Credit counseling 5, Affordable housing education on affordable housing such as; a) Community lending programs b) Mortgage Revenue Bonds c) Monroe County RaGa requirements d) Monroe County Cesspool/Sewer system upgrade requirements e) Leverage opportunities These activities will be provided participants, industry professionals, elected officials and the general public, These activities will be conducted throughout the Keys (Upper, Middle and Lower). It is anticipated there will be a minimum of fifteen seminars/workshops/sessions annually to address these topics, First time homebuyer education will be provided directly to Campus South low income clients, CERTIFICATION Attached ADDITIONAL REQUIRED INFORMATION Attached CERTIFICATION TO FLORIDA HOUSING FINANCE CORPORATION Local Government: Monroe County/City (1) The local government will advertise the availability of SHIP funds pursuant to Florida Statutes, (2) All SHIP funds will be expended in a manner which will insure that there will be no discrimination on the basis of race, creed, religion, color, age, sex, familial or marital status, handicap, or national origin, (3) A process for selection of recipients for funds has been developed, (4) The eligible municipality or county has developed a qualification system for applications for awards, (5) Recipients of funds will be required to contractually commit to program guidelines, (6) The Florida Housing Finance Corporation will be notified promptly if the local government (or interlocal entity) will be unable to comply with the provisions the plan. (7) The Local Housing Assistance Plan shall provide for the expenditure of SHIP funds within 24 months following the end of the State fiscal year in which they are received, (8) The plan conforms to the Local Government Comprehensive Plan, or that an amendment to the Local Government Comprehensive Plan will be initiated at the next available opportunity to insure conformance with the Local Housing Assistance Plan. (9) Amendments to the approved Local Housing Assistance Plan shall be provided to the Corporation with in 21 days after adoption. (10) The trust fund shall be established with a qualified depository for all SHIP as moneys generated from activities such as interest eamed on loans, funds as well (11) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted by law, (12) The local housing assistance trust fund shall be separately stated as a special revenue fund in the local governments audited financial statements, copies of the audits will be forwarded to the Corporation as soon as available, 13) An interlocal entity shall have its local housing assistance trust fund separately audited May 29, 1998 for each state fiscal year, and the audit fOlwarded to the Corporation as soon as possible, Page 2 Certification (14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies, (15) Developers receiving assistance from both SHIP and the Low Iocome Housing Tax Credit (LIHTC) Program shall comply with the income, affordability and other LIHTC requirements, Similarly, any units receiving assistance from other federal programs shall comply with all Federal and SHIP program requirements, (16) Loans shall be provided for periods not exceeding 30 years, except for deferred payment loans or loans that extend beyond 30 years which continue to service eligible persons, (17) Rental Units constructed or rehabilitated with SHIP funds shall be monitored at least annually for 15 years for compliance with tenant income requirements and affordability requirements, Witness ~ 8'=-,e ~ct-cj- Chief Elected Official - .., April 18, 2001 Date Witness OR Attest: (Seal) May29,1998