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Item L1 l BOARD OF COUNTY COMMISSIONERS AGENDA ITEM SUMMARY Meeting Date: August 16, 2006 Division: Monroe County Housing Authority Bulk Item: Yes X No Department: Special Programs Office AGENDA ITEM WORDING: ARESOL1ITION OF THE BOARD OF COUNTY COMMISSIONERS OF MONROE COUNTY, FLORIDA ADOPTING AMENDMENT TWO (2) TO MONROE COUNTY'S LOCAL HOUSING ASSISTANCE PLAN (LHAP) FOR THE STATE OF FLORIDA FISCAL YEARS 2004-2005, 2005-2006, 2006-2007 AUTHORIZING TIlE SUBMISSION OF THE LOCAL HOUSING ASSISTANCE PLAN FOR REVIEW AND APPROVAL BY THE FLORIDA HOUSING FINANCE CORPORATION. ITEM BACKGROUND: Summary of changes to SHIP Local Housing Assistance Plan (LHAP) including the consolidation of funding strategies and clarification of selection criteria. The purpose of the proposed amendment is to streamline award and delivery of SHIP funding as well as encourage leverage opportunities for additional affordable housing funding. PREVIOUS RELEVANT BOCC ACTION: Approval by Resolution of prior Monroe County Local Housing Assistance Plans and Plan Amendments beginning in 1993. CONTRACT/AGREEMENT CHANGES: N/A STAFF RECOMMENDATION: Approval TOTAL COST: $-0- BUDGETED: Yes No COST TO COUNTY: $-0- SOURCE OF FUNDS: NI A REVENUE PRODUCING: Yes No X AMOUNT PER: Month Year ---- - ".."tLJ.Y APPROVED BY: County Atty.W . rc asing _ Risk Management_ DIVISION DIRECTOR APPROVAL: anuel Castillo, Sr., Executive Director DOCUMENTATION: DISPOSITION: Inc1uded_X_ ToFollow Not Required =-=- AGENDA ITEM # RESOLUTION - 2005 A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF MONROE COUNTY, FLORIDA ADOPTING AMENDMENT 2 TO TIlE STAlE HOUSING INITIATIVES P ARTNERSFllP (SHIP) LOCAL HOUSING ASSISTANCE PLAN (LHAP) FOR STATE OF FLORIDA FISCAL YEARS 2004-2005, 2005-2006, 2006-2007. WHEREAS, Monroe County has successfully participated in the State Housing Initiatives Partnership (SHlP) since its creation in 1993, and; WHEREAS, Florida Statute 420.9075 and State Rule 67-37.005 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, in October 2001 the Monroe County Board of County Commissioners adopted Resolution 415- 2001, adopting the existing Monroe County State Housing Initiatives Partnership (SHIP) Program, Local Housing Assistance Pl~ and; WHEREAS, Monroe County desires to amend the existing Monroe County Local Housing Assistance Plan in order to consolidate strategies, increase award maximums and redefine priorities in order to best direct resources. NOW, THEREFORE, BE IT RESOLVED, by the Board of County Commissioners of Monroe County, Florida, that the County hereby: Approves the adoption of Amendment 2 to the Monroe County Local Housing Assistance Plan (LHAP) for State of Florida fiscal years 2004-2005; 2005-2006, 2006-2007, attached hereto as "Attachment A" PASSED AND ADOPTED, by the Board of County Commissioners of Monroe County, Florida at a regular meeting on said Board on the day of , A.D., 2006 BOARD OF COUNTY COMMISSIONERS OF MONROE COUNTY, FLORIDA Mayor McCoy Commissioner Patton Commissioner Neugent Commissioner Spehar Commissioner By: Mayor Charles "Sonny" McCoy SEAL ATTEST: ~y~6~~eKeyORNEY APPROVED AS TO FORM: .:p~~ aJ ~ NATILEENE W, CASSEL ASSISTANT COUNTY ATTORNEY Date ~/:;yl)!t? Date: ~: , MONROE COUNTY SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP) AMENDMENT #2 NSCALYEARSCOVERED 2004/2005, 2005/2006 AND 2006/2007 Me LHAP 04-07 Amendment #2 Rev 7 L06 MONROE COUNTY ATTORNEY PROVED AS TO RM: -1- r I. PROGRAM DESCRIPTION Chapter 67-37.005 F.A.C. and Section 420.9072, F.S. A. Name of the participating local government and Interlocal if Applicable: Sectwn 420.9072(5),F.S. Monroe County Interlocal : Yes No X Name of participating local government(s) in the Interlocal Agreement; B. Purpose of the program: Section 420.9072, F.S, and Chapter 67-37.005(3), F.A.C. Creation of the Plan is for the purpose of meeting the housing needs of the very low, low and moderate income households, to expand production of and preserve affordable housing, to further the housing element of the local government comprehensive plan specific to affordable housing. C. Fiscal years covered by the Plan: Chapter 67-37.002,F.A.C. X 2004/2005 X 2005/2006 X 2006/2007 D. Governance: Chapter 67-37.005(3)and(5)(i)F.A.C. and Section 420.9071( 14)F.S. The SHlP Program is established in accordance with Section 420.907-9079, Florida Statutes and Chapter 67 - 37.007 Florida Administrati ve Code. The SHlP Program does further the housing element of the local government comprehensive plan. E. Local Housing Partnership Section 420.9072(l)(a), F.S. SHlP Program encourages building active partnerships between government, lenders, builders and developers, real estate professionals, advocates for low-income persons and community groups. F. Leveraging: Chapter 67-37.007( l)(b)(c), F.A.C. and Ssection 420.9075(l)(a) and (1)(b3, and (l)(c), F.S. The Plans are 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. SHlP 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: Chapter 67-37.005(3), FAC. 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 availability of the Local Housing Assistance Plan and the Notice of Funding A vailability_ Me LHAP 04-07 Rev 7/06 Amendment #2 - 2 - H. Advertising and Outreach Chapter 67-37.005(6)(a), FAC. The county or eligible municipality or its administrative representative shall advertise the notice of funding availability 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. Discrimination: Section 420.9075(3)( c), FS. In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate on the basis of race, creed, religion, color, age, sex, marital status, familial status, national origin, or handicap in the award application process for eligible housing. J. Support Services and Counseling: Chapter67-37,005(5)(g),FAC. Support services are available from various sources. Available support services may include but are not limited to: Homeownership Counseling (Pre and Post), Credit Counseling, Tenant Counseling and Transportation K. Purchase Price Limits: Section 420.9075(4)(c), F.S, and Chapter67-37,007(6)F.A.C. 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% ofthe median area purchase price established by the U.S. Treasury Department or as described above. The methodology used is: _ Independent Study (copy attached) X U.S. Treasury Department _ Local HFA Numbers The purchase price limit for new and existing homes is shown on the Housing Delivery Goals Charts. New and Existing Homes: $343,799 L. Income Limits, Rent Limits and Affordability: Chapter 67-37.005(5)(e), F.A-c. .and Section 420.9071(2), F.S, The Income and Rent Limits used in the SIllP Program are updated annually by the Department of Housing and Urban Development and distributed by Florida Housing Finance Corporation. 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 (19), (20) and (28), 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 Me LHAP 04-07 Rev 7106 Amendment #2 - 3- 1:; ,1 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. M. Wages to Work: Chapter67-37.005(6)(b)(7)F.A.C. Should an eligible sponsor be used, the city/county has developed a qualification system and selection criteria for applications for Awards to eligible sponsors, which includes a description that demonstrates how eligible sponsors that employed personnel from the WAGES and Workforce Development Initiatives programs will be given preference in the selection process. N. Monitoring and First Right of Refusal: Section 420.9075(3)(e)and (4) (f), F.S. In the case of rental housing, the staff or 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 the same 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 $3,000 or less shall not be subject to these annual monitoring and determination of tenant eligibility requirements. Tenant eligibility will be monitored for at least annually for 15 years or the term of assistance which ever 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. o. Administrative Budget: Chapter 67-37.005(6)(j)3, F.A.c.. A detailed listing including line-item budget of proposed Administrative Expenditures is attached as Exhibit A. These are presented on an annual basis for each State fiscal year submitted. Monroe County finds that the moneys deposited in the local housing assistance trust fund shall be used to administer and implement the local housing assistance plan. In accordance with Chapter 67 -37, Florida Administrative Code, the cost of administering the plan does not exceed 5 percent of the local housing distribution moneys and program income deposited into the trust fund. 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 /recaptured funds is insufficient to adequately pay the necessary costs of administering the local housing Me LHAP 04-07 Amendment #2 Rev 7106 ~ 4 - " Me LHAP 04-07 Amendment #2 assistance plan. The cost of administering the program may not exceed 10 percent of the local housing distribution plus 5% of program income/recaptured funds deposited into the trust fund, except that small counties, as defined in s. 120.52(17), 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. Rev 7/06 - 5 - ~.; II. LHAP HOUSING STRATEGIES: Chapter 67-37.005(5), F.A.C A. Name of the Strategy: HOUSING REHABILITATION a. Summary of the Strategy: Funding assistance for housing rehabilitation. b. Fiscal Years Covered: 2004- 2005/2005 - 2006/2006-2007 c. Income Categories to be served: Very low, low and moderate d. Maximum award is noted on the Housing Delivery Goals Charts: $35,000 housing rehabilitation / $8,000 wastewater improvements e. Terms, Recapture and Default: Due and payable upon sale or transfer of the property, twenty years, or failure to comply with the terms of the SHIP mortgage. f. Recipient Selection Criteria: Applications accepted from public entities, non-profit housing providers and individual homeowners for housing rehabilitation of existing housing Applicants who have been determined income eligible for program assistance, will be placed on a waiting list according to their income classification, and will receive assistance on a first come, first ready basis, with priority given to very-low income applicants and according to need. Applicants may submit a completed SHIP application to the Monroe County Housing Authority at any time, unless the waiting list is closed or until annual funding is expended. g. Sponsor Selection Criteria: N/A h. Additional Information: 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) with the exception of wastewater improvements. Any households receiving rehabilitation assistance under this strategy are not eligible for additional SHIP funding for a period of three (3) years. SHIP commitments to public/non-profit entities will be committed to provide direct benefit to eligible persons occupying eligible properties. Me LHAP 04-07 Rev 7/06 Amendment #2 - 6- B. Name of the Strategy: FlRST TIME HOMEBUYER ASSISTANCE a. Summary of the Strategy: Funding assistance for the purchase or construction of single-family residential property, including condominiums or townhouses. b. Fiscal Years Covered: 2004- 2005/2005 - 2006/2006- 2007 c. Income Categories to be served: Very low, low and moderate d. Maximum award is noted on the Housing Delivery Goals Charts: $45,000 including closing costs. e. Terms, Recapture and Default: Mortgage loans will be a deferred payment loan for a period of thirty (30) years with zero interest. The loan will be due and payable upon sale or transfer of the property, thirty years, or failure to comply with the terms of the SHIP mortgage. f. Recipient Selection Criteria: Applications accepted from public entities and non-profit affordable housing providers will be ranked in order of greatest amount of leverage funds committed to the project. Secondary ranking will be in order of receipt of application. Annually, 80% of funds budgeted under this strategy will be set aside for public entities and non-profit affordable housing providers who have submitted applications during the annual application cycle. In the event all set aside funds are not committed or delivery of housing units is delayed, those funds are available for commitment to individual applicants who have valid contract for purchase "for eligible homes on a first come 1 first ready basis. For profit entities constructing affordable units utilizing city or county affordable permits will be considered "public entities". Applicants who have been determined income eligible for program assistance, will be placed on a waiting list according to their income classification, and will receive assistance on a first come, first ready basis. Applicants may submit a completed SHIP application to the Monroe County Housing Authority at any time, unless the waiting list is closed or until annual funding is expended. g. Sponsor Selection Criteria: N/A Me LHAP 04-07 Rev 7/06 Amendment #2 - 7 - h. Additional Information: Buyer(s) must contribute a minimum three percent (3%) down payment. Property must meet minimum health and safety standards as defined under the U.S Department of Housing and Urban Development's, Housing Quality Standards (HQS). Any HQS deficiencies must be corrected prior to or as part of the purchase transaction. In the case of new construction, a Certificate of Occupancy (CO) may be substituted for the HQS inspection. Entities and applicants proposing to construct new housing will be required to provide sufficient evidence of readiness to proceed prior to the issuance of a SHIP commitment (site control, permit allocation, financial capacity...). Public agencies and/or non-profit affordable housing development organizations will be required to provide sufficient evidence of affordability prior to the issuance of a SHIP commitment (deed restrictions, affordability criteria, initial sales price, resale price restrictions, land lease, client selection criteria, construction budget...). Public agencies and/or non-profit affordable housing development organizations may request the SHIP loan be assumed by subsequent buyer(s) if the following conditions are determined to exist at the time of sale: 1. Prospective buyer meets SHIP income eligibility guidelines for very low, low, or moderate income. 2. The transaction maintains the properties affordability to the prospective buyer. 3. Long term affordabili ty criteria are recorded, enforced for a period not less than the term of the SHIP mortgage and the transaction is consistent with such affordability criteria. Mortgage loans to public entities, which retain ownership of the land under the terms of a ground lease, shall extend to land and improvements. 1. 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 Monroe County upon sale or transfer of the property shall be calculated by adding the sum of the principal balance of the SHIP loan and 50% of the appreciated value. The appreciated value shall be the difference between the sales price less any real estate commission, less the original purchase price and value of any permitted improvements. Me LHAP 04-07 Rev 7/06 Amendment #2 - 8 - C. Name of the Strategy: DISASTER MITIGATION a. Summary of the Strategy: Funds provided to homeowners and owners of rental properties to make hurricane related or other disaster repairs. b. Fiscal Years Covered: 2004- 2005/2005- 2006/2006- 2007 c. Income Categories to be served: Very low, low and moderate d. Maximum award is noted on the Housing Delivery Goals Charts: Grants not to exceed $25,000 per housing unit e. Terms, Recapture and Default: N/A f. Recipient Selection Criteria: Applications processed on a first come, first ready basis from uninsured, elderly and/or disabled homeowners. . g. Sponsor Selection Criteria:. N/A h. Additional Information: For the emergency repairs under this strategy, emergency repairs are defined as those repairs to damages resulting from a disaster that pose an immediate health and safety hazard to occupant(s). Me LHAP 04-07 Rev 7/06 Amendment #2 ~ 9- E. Name of the Strategy: RENTAL STRATEGIES CONSTRUCTIONfREHABILITA TION a. Summary of the Strategy: Funds provided for the construction or rehabilitation of affordable housing rental units. b. Fiscal Years Covered: 2004- 2005/2005- 2006/2006- 2007 c. Income Categories to be served: Very low, low and moderate (tenants) d. Maximum award is noted on the Housing Delivery Goals Charts: Up to $40,000 average per unit e. Terms, Recapture and Default: Due and payable upon sale or transfer of the property, termination of the long-term leaselease (greater than 15 years), or failure to comply with the terms of the SHIP Rental Monitoring Agreement or Land Use Restriction Agreement (LURA) as specified above. f. Recipient Selection Criteria: Priority shall be given to applicants in the following order until all available funding is committed/expended: Priority #1 Applications proposing the creation of the new rental units by construction or rehabilitation, ranked in the following order: Ia. Proposing the longest period of affordability lb. Units serving very low-income tenants Ie. Units serving substantially (%) very low-income tenants Id. Serving low-income tenants Ie. Serving substantially (%) low-income tenants If. Serving moderate-income tenants The tiebreaker within Priority #1 shall be the lowest SHIP per unit cost. Priority #2 Applications proposing the rehabilitation of existing affordable rental units, ranked in the following order: 2a. Proposing the longest period of affordability 2b. Serving very low-income tenants 2c. Serving substantially (%) very low-income tenants 2d. Serving low-income tenants 2e. Serving substantially (%) low-income tenants 2f. Serving moderate-income tenants The tiebreaker within Priority #2 shall be the lowest SHIP per unit cost. Me LHAP 04-07 Amendment #2 Rev 7/06 - 10- g. Sponsor Selection Criteria: N/A h. Additional Information: FOR PROFIT ENTITIES and NON-PROFIT ENTITIES Entities proposing construction/rehabilitation in conjunction with Florida Housing Finance Corporation (FHFC) funding are eligible for loans secured by a mortgage up to $40,000 or that amount sufficient to satisfy the FHFC local contribution portion of the FHFC program, whichever is less. The for- profit loan is at an interest rate of 3% with a minimum term of fifteen (15) years with principal and interest due upon maturity. The non-profit loan is at an interest rate of 0% with a minimum tennoffifteen (15) years and principal balance forgiven at maturity. Entities proposing construction/rehabilitation are eligible for mortgages not to exceed an average of $40,000 per unit. Should all funds not be expended to a specified unit, these funds may be transferred for the completion of an existing unit being rehabilitated. A modified award letter will be required. Loan amount will be based on number of units per allotted amount per unit. This loan is at an interest rate of 3% with a minimum term of fifteen (15) years for for-profit entities with the principal and interest due upon maturity. Non-profit entities are eligible for mortgages at an interest rate of 0% with a minimum term of fifteen (15) years and principal balance forgiven at maturity. Loans may be extended in conjunction with an extension of the SHIP Rental Monitoring Agreement All entities funded under this strategy will be required to execute a SHIP Rental Monitoring Agreement and Land Use Restriction Agreement (LURA) for a minimum term of fifteen (15) years. 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 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. Me LHAP 04-07 Amendment #2 Rev 7/06 -11 - III. LHAP INCENTIVE STRATEGIES Section 420.9071(16), F.S, A. Name of the Strategy: Expedited Permitting Permits as defined in s. 163.3164(7) and (8) for affordable housing projects are expedited to a greater degree than other projects. a. Established policy and procedures: Provide Description: The Monroe County Comprehensive Plan and the Land Development Regulations established a set aside of 20% of all building pennits issued for affordable housing. This includes the unused allotment of permits for affordable housing set aside units to be rolled over and accumulated each year without going through the ROGO (Rate of Growth Ordinance). Monroe County has assigned Planning Department Staff to strictly facilitate affordable housing applications. B. Name of the Strategy: Cost of Housing Establishment of a process by which a local government considers before adoption, policies, procedures, ordinances, regulation, or plan provisions that have a significant impact on the cost of housing. a. Established policy and procedures: Provide Description All County resolutions and ordinances have a cast analysis section to them. Specific to affordable housing, the county has waived impact fees for affordable housing and building permit fees for very low and law income homeowner participating in local, state or federally supported affordable housing programs. As an Area of Critical State Concern, the County is subject to the approval from the Florida Department of Community Affairs which includes provisions for the creation of and impact on affordable housing. Me LHAP 04-07 Amendment #2 Rev 7/06 - 12- IV. EXHIBITS: A. Administrative Budget for each fiscal year covered in the Plan. Exhibit A. B. Timeline for Encumbrance and Expenditure: Chapter 67-37.005(6)( d) and (f) FA C. A separate timeline for each fiscal year covered in this plan is attached as Exhibit B. Program funds will be encumbered by June 30 one year following the end of the applicable state fiscal year. Program funds will be fully expended within 24 months of the end of the applicable State fiscal year. C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the Plan: Chapter 67-37,005), F.A.C. Completed EDGC for each fiscal year is attached as Exhibit C. D. Certification Page: Chapter 67-37,005(7), F.A.c. Signed Certification is attached as Exhibit D. E. Adopting Resolution: Section 420.9072(2)(b)2, F.S. Signed, dated, witnessed or attested adopting resolution is attached as Exhibit E. F. Program Information Sheet: Completed program information sheet is attached as Exhibit F. G. Ordinance: Section 420,9072(3)(a), F.S. If changed from the original ordinance, a copy is attached as Exhibit G. Me LHAP 04-07 Rev 7/06 Amendment #2 - 13- Exhibit A Administrative Budget for each fIScal year covered in the. Plan Description Salaries Administrator Program Coordinator Program Assistant Administrative Assistant Com ptroller Bookkeeper Benefits (28%) Heath Insurance Advertising Printing/Copying Postage Phones Supplies Rent Equipment (>$750) Repairs/Maintenance Utilities Books/Publications Travel Professional-Service TOTAL FY 04-05 FYOS-06 FY 06-07 $ 500 $ 500 $ 500 $ 500 $ 500 $ soo $ 500 $ 500 $ 500 $ 400 $ 400 $ 400 $ 500 $ 500 $ 500 $ 500 $ 500 $ 500 $ $ $ $ 500 $ 500 $ 500 $ 331 $ 331 $ 331 $ 63,331 $ 63,331 $ 97.190 " a:I +- :5 ~ w It> 0 >. 0 1: S "::s 0 0 0 0 <'II '" a: e c;:( c w 0 > 2 ...I c3 .... l: II) '" ii: E l: W ~ I- ~ 0 c::l Tn "iii f5 0 0 LL ...I W '0 ...I lD lD ~ E '" z :E i= 11 IJ I I I I I 1 I I! 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" ~ Ol ~ a. 0: C .., .., .9 ~ 0>. ti '5 1) .e <l .2 0> .... .. e o~ ~ JL 0:.0 '" 9 ~ '" ~ gg ~~ " :E,.:E. ::E.::E. ~~ ~~ wLn" lOur .... l;; 1;; .... 0 <:> m '" m '" '" <5 '" '" I- '" '" '" '" .... .... .... .... qjqj u.i qj !b!S S lS .. € € ;>:- :?> c: <: c :> '" '" '" ::> " " <> 8 0 ()() 0 E ",,", .. ., c( :2 E 2 2 " " c c 0 " <> " ;;;: ,;,;: :::;: ;,;: ~~ ~ ~ z Z I: :;: 0 "0 .><: <tl l!! m ell III I: E E 0 'C 0 ~ Q CD Q '" -= 0 - E 0 ~ 0 III ~ Sg 'Iii ..J "- ~i <l> <C "0 l- ll} 0 0 0 >...J ~ I- "-".,. ~, Exhibit D CERTIFICATION TO FLORIDA HOUSING FINANCE CORPORATION Name of Local Government: MONROE COUNTY (1) The local government will advertise the availability of SlllP 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 Ass~stance Plan shall provide for the expenditure of SHIP furids within 24 months following the end of the State fiscal yearm which they are received. (8) The pIan conforms to the Local Government Comprehensive Plan, or that an amendment to the Local Government Comprehensive Plan will be initiated at the next available opportunity to insure conformance with the Local Housing Assistance Plan. (9) Amendments to the approved Local Housing Assistance Plan shall be provided to the Corporation with in 21 days after adoption. (10) The trust fund shall be established with a qualified depository for all SHIP funds as well as moneys generated from activities such as interest earned on loans. (11) Amounts on deposit in the local housing assistance trust fund shall be invested as pennitted 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 for each state fiscal year, and the audit forwarded to the Corporation as soon as possible. 1 Exhibit D Page 2 Certification (14) SHIP funds will not be pledged for debt service on~bonds or as rent subsidies. (15) Developers recei ving assistance from both SHIP and the Low Income Housing Tax Credit (LllITC) Program shall comply with the income, affordability and other UHTC requirements, Similarly, any units receiving assistance from other federal programs shall comply with all Federal and SIllP program requirements. (16) Loans shall be provided for periods not e.xceeding 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 or as required in Section 420.9075 (3)(e) (18) The Plan meets the requirements of Section 420-907~9079 FS, and Rule Chapter 67-37 PAC, and how each of those requirements shall be met. (19) The provisions of Chapter 83-220, Laws of Florida ~h(ls or X has not been implemented, Witness Chief Elected Official or designee Witness Type Name and Title Date OR Attest: (Seal) 2 r:; EXHIBIT E RESOLUTION ~ 2006 A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF MONROE COUNTY, FLORIDA ADOPTING A1vIEND:M.ENT 2 TO THE STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) LOCAL HOUSING ASSISTANCE PLAN (LHAP) FOR STATE OF FLORIDA FISCAL YEARS 2004-2005, 2005-2006, 2006-2007. 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 67-37.005 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, in April, 2004 the Monroe County Board of County Commissioners adopted Resolution 157- 2004, adopting the existing Monroe County State Housing Initiatives Partnership (SHIP) Program, Local Housing Assistance Plan, and; WHEREAS, Monroe County desires to amend the existing Monroe County Local Housing Assistance Plan in order to consolidate strategies, increase award maximums and redefine priorities in order to best direct resources. NOW, TIIEREFORE, BE IT RESOLVED, by the Board of County Commissioners of Monroe County, Florida, that the County hereby: Approves the adoption of Amendment 2 to the Monroe County Local Housing Assistance Plan (LHAP)jof ' State oj Florida fiscal years 2004-2005, 2005-2006, 2006-2007, attached hereto as "Attachment A" PASSED AND ADOPTED, by the Board of County Commissioners of Monroe County, Florida at a regular meeting on said Board on the day of , A.D., 2006 BOARD OF COUNTY COMMISSIONERS OF MONROE COUNTY, FLORIDA Mayor McCoy Commissioner Patton Commissioner Neugent Commissioner Spehar Commissioner Rice By: Mayor Charles "Sonny" McCoy SEAL ATTEST: Approved as to legal sufficiency: Date: Exhibit F STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM INFORMATION SHEET LOCAL GOVERNMENT: Monroe County CHIEF ELECTED OFFICIAL (Mayor, Chairman, etc.): MayOT Charles "Sonny" McCoy SHIP ADMINISTRATOR: J. Manual Castillo, Sr. ADDRESS: 1400 Kennedv Drive, Key West., Florida 33040 TELEPHONE:(305) 292-1221 FAX:(305) 292-1162 EMAIL ADDRESS: castillo]@kwha.org ADDITIONAL SHIP CONTACTS: Colleen Gardner, Programs Administrator ADDRESS: 1400 Kennedy Drive, Key West, Florida 33040 EMAIL ADDRESS: gardnerc@kwha.org lNTERLOCAL AGREEMENT:YESAH9 (IF yes, list other participants in the inter-local agreement): The following information must be furnished to the Corporation before any funds can be disbursed. LOCAL GOVERNMENT EMPLOYERFEDERALIDNUMBER: 59-6000749 MAIL DISBURSEMENt TO: Monroe County LHATF Clerk of the Court ADDRESS: 500 Whitehead Street, Key West, Florida 33040. OR:IF YOUR FUNDS ARE ELECTRONlCALL Y TRANSFERRED PLEASE COMPLETE TBE ATTACHED FORM: ~ NO CHANGE FROM PREVIOUS ELEC1RONIC FORM SUBMITtED. Provide any additional updates the Corporation should be aware of In the space below: Please retwn this form to: SHIP PROGRAM MANAGER, F1IFC 227 N. BRONaUGH ST, STE 5000 TALLAHASSEE, FL 32301 Fax: (850) 922-7253 MONROE COUNTY STATE HOUSING INITIATIVE PARTNERSHIP (SHIP) PROGRAM LOCAL HOUSING ASSISTANCE PLAN (LHAP) FOR STATE FISCAL YEARS 2004-2005,2005-2006 & 2006-2007 TABLE OF CONTENTS L PROGRAM DESCRIPTION A. Participating Local Government B. Purpose and Description of the program C. Fiscal years covered by the plan D. Public Input E. Support Services and Counseling F. Governance G. Discrimination H. Purchase Price Limits D. INTERLOCAL AGREEMENTS ID. LOCAL HOUSING PARTNERSHIPS IV. STRATEGIES V. AFFORDABILITY VI. ADVERTISEMENT AND OUTREACH VD. ADMINISTRATIVE EXPENSES vm.. CERTIFICATION IX. EXHIBITS Exhibit A - Timetable Exhibit B - Housing Delivery Goals Charts (3) Exhibit C - Certification Exhibit D Adopting Resolution Exhibit E - Program Information Sheet Exhibit F - Local Housing Incentive Strategy (Update) Amended Page - 1 - Revisions 05/05 L PROGRAM DESCRIPTION A_ Name of the participating local government Monroe County B. Purpose and Description of the program Creation of the Plan is for the purpose of meeting the housing needs of the very low, low and moderate-income households, to expand production of and preserve affordable housing, to further the housing element of the local government comprehensive plan specific to affordable housing. Monroe County. C. Fiscal years covered by the Plan State of Florida fiscal years 2004-2005, 2005-2006 and 2006-2007 D. Public Input This plan was developed based on eleven years SmP administrative experience, previously approved Local Housing Assistance Plans and a public meetings conducted for the sole purpose of soliciting comment specific to the preparation of this LHAP. Advertisement of the public meeting was placed in a newspaper serving Monroe County. This public meeting was conducted at Marathon Government Center (MM48) Marathon, Florida. This facility was handicapped accessible. Existing and proposed strategies, budget allocations and SIllP 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. E. Support Services and Counseling 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 ofMarathon, Village of Islamorada, Florida Department of Community Affairs programs, 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. F. Governance The SHIP Program is established in accordance with Section 420.907-9079, Florida Statutes and Chapter 67-37.007 Florida Administrative Code. The SHIP Program does further the housing element of the local government Comprehensive Plan. Monroe County and the Monroe County Housing Authority executed an interlocal agreement in 1993 that establishes Special Programs Office, Monroe County Housing Authority, as the Program Administrator of Monroe County's SHIP Program. Amended Page - 2 - Revisions 05/05 G. Discrimination: In accordance with the provisions ofss.760.20-760.37, it is unlawful to discriminate on the basis of race, creed, religion, color, age, sex, marital status, familial status, national origin, or handicap in the award application process for eligible housing. H_ 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 beginni11g 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 90% of the median area purchase price established by the U.S. Treasury Department or as described above. The methodology used by Monroe County is U. S. Treasury Revenue Proclamation 2004-18. The purchase price limit for Monroe County is $332,466 for new homes and $332,466 for existing homes. n. INTERLOCAL AGREEMENTS Since the initiation of Monroe County1s local SHIP program in 1993, the program has been for countywide participants within the unincorporated and incorporated areas of the county. This includes unincorporated Monroe County and incorporated areas of The Village of Islamorada, City of Layton, City of Marathon, City of Key Colony Beach and the City of Key West. There is not any need for interlocal agreements between Monroe County and incorporated municipalities within Monroe County ill. LOCAL HOUSING PARTNERSHIPS 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. SHlP funds may be leveraged with orused to supplement other Florida Housing Finance Corporation programs and to provide local match to obtain federal housing grants or programs. Monroe Connty 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 Community Development Block Grant - Monroe County Community Development Block Grant - City of Marathon Community Development Block Grant - Village ofIslamorada $1,573,600 $1,956,000 $ 750,000 $ 750,000 $ 750,000 $ 700,000 Amended Page - 3 - Revisions 05/05 Monroe County Housing Finance Authority Florida Department of Environmental Protection City of Key West's Mayors Revolving Loan Fund DCA Residential Mitigation Grant ProgramlHabitat Federal Emergency Management Agency (FEMA) $ 75,000 $ 100,000 $ 500,000 $ 889,000 $2,750,000 These resources were obtained in partnership with Monroe County SHIP Program in order to reduce the cost of housing. Amended Page - 4 - Revisions 05/05 IV. STRATEGIES: A. HOMEOWNESHlP STRATEGIES Name: WASTEWATER IMPROVEMENT Description: Funding assistance to upgrade wastewater treatment and disposal systems. EligIble activities include cesspool replacement, septic system upgrade and central sewer lateral connection. Fiscal Years: 2004-2005, 2005-2006 and 2006-2007 Income Levels: Very low, low, moderate Selection Criteria: Applications accepted from public entities developing or homeowners upgrading residential wastewater treatment and disposal systems. Applications received at initiation of fiscal year application cycle will be ranked/processed in order of greatest dollar amount of leverage funds committed to the project. Subsequent applications processed on first come/first qualified basis until annual -funding committed. Type of Assistance: Mortgage loans to individual households not to exceed $8,000, inclusive of closing costs. Loan temts of zero percent (0%) interest, deferred payment loan for a tenn of twenty (20) years. SHIP commitments to public entities on behalf of individual beneficiaries not to exceed $150,000. Recapture: Due and payable upon sale or transfer of the property or failure to comply with the tenus of the SHIP mortgage. Other: SHIP commitments to public entities will be committed to provide direct benefit to eligible persons occupying eligible properties. Amended Page - 5 - Revisions 05/05 Name: HOUSING REHABILITATION Description: Funding assistance for housing rehabilitation. Fiscal Years: 2004-2005, 2005-2006 and 2006-2007 Income Level: Very low and low Selection Criteria: Applications accepted from public entities, non-profit housing providers and individual homeowners for rehabilitation of existing housing. Applications received at initiation offiscal year application cycle will be ranked/processed in order of greatest dollar amount of leverage funds committed to the project. Secondary ranking will be in order of receipt of application. Subsequent applications processed on first come/first qualified basis until annual funding expended. Type of Assistance: Mortgage loans not to exceed $35,000 inclusive of closing costs. Mortgage loans will be a deferred payment loan for tenn of twenty (20) years, zero interest. Recapture: Due and payable upon sale or transfer of the property or failure to comply with the terms of the mortgage. Other: For the purposes of this strategy rehabilitation is defined as those improvements necessary for the subject unit to meet the U. S Department of Housing and Urban Development's Housing Quality Standards (HQS). All HQS deficiencies must be addressed for units rehabilitated under this strategy. Any households receiving rehabilitation assistance under this strategy are not eligible for additional SHIP funding for a period of three (3) years. SIllP commitments to public/non-profit entities will be committed to provide direct benefit to eligible persons occupying eligtble properties. Amended Page - 6 - Revisions 05/05 Name: Description: Fiscal Years: Income Levels: Selection Criteria: Type of Assistance: Recapture: Shared Appreciation Provision Other: Amended Revisions 05/05 HOMEBUYER ASSISTANCE Funding assistance for the purchase or construction of single-family residential property, including condominiums or townhouses. 2004-2005, 2005-2006 and 2006-2007 Very Low, Low and moderate Applications accepted from public entities and non-profit affordable housing providers will be ranked in order of greatest amount of leverage funds committed to the project. Secondary ranking will be in order of receipt of application. Annually, 50% of funds budgeted under this strategy will be set aside for public entities and non-profit affordable housing providers who have submitted applications during the annual application cycle. In the event all set aside funds are not committed, those funds are available for commitment to individual applicants. Applications accepted from individuals will be ranked based on the results of a random lottery. The date, place and time of the random lottery will be publicly noticed and open to the public. Mortgage loans to public entities and non-profit affordable housing providers creating housing for very low and! or low-income households not to exceed, $45,000 inclusive of closing costs. Mortgage loans to individual households not to exceed $45,OOOinclusive of closing costs. Mortgage loans will be a deferred payment loan for a period of thirty (30) years with zero interest. Due and payable upon sale or transfer of the property, thirty years, or failure to comply with the terms of the mortgage, whichever comes first. All SH,IP 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 Monroe County upon sale or transfer of the property shall be determine by calculating the sum of the principal balance of the SHIP loan and 50% of the appreciated value. The appreciated value shall be the difference between the purchase price at the time of purchase and the sales price at the time of sale, less the value of permitted improvements and real estate sales commission. Buyer(s) must contribute a minimum three percent (3%) buyer contribution. Property must meet minimum health and safety standards as Page - 7 - 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. Entities and applicants proposing to construct new housing will be required to provide sufficient evidence of readiness to proceed prior to the issuance of a SHIP commitment (site contro~ permit allocation., financial capacity. . . ). Public agencies and/or non-profit affordable housing development organizations will be required to provide sufficient evidence affordability prior to the issuance of a SHIP commitment (deed restrictions, affordability criteria, initial sales price, resale price restrictions, land lease, client selection criteria, construction budget...). Public agencies and/or non-profit affordable housing development organizations may request the SHIP loan be assumed by subsequent buyer(s) if the following conditions are determined to exist at the time of sale: 1. Prospective buyer meets SHIP income eligibility guidelines for very low or low income. 2. The transaction maintains the properties affordability to the prospective buyer. 3. Long term affordability criteria are recorded, enforced and for a period not less than the term of the SHIP mortgage and the transaction is consistent with such affordability criteria. Mortgage loans to entities, which retain control of the land under the terms of a ground lease, shall extend to land and improvements. Amended Page - 8 - Revisions 05/05 Name: DISASTER MITIGATION Description: Funds provided to homeowners to make emergency repairs 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 Strategy in an amount not to exceed twenty percent (200,/0) of the state's annual SHIP funding allocation Fiscal Years: 2004-2005,2005-2006 and 2006-2007 Income Category: Very low and low Selection Criteria: Applications processed on a first come/first qualified basis from uninsured, elderly and! or disabled homeowners. Type of Assistance: Grants not to exceed $5,000. Recapture: N/ A Other: For the purposes of this strategy, emergency repairs are defined as those repairs to damages resulting from a declared disaster that pose an immediate health and safety hazard to occupant( s). Amended Page - 9 - Revisions 05/05 B. RENTAL STRATEGIES Name: CONSTRUCTIONIREHABILITATION Description: Funds provided for the construction or rehabilitation of affordable housing rental units. Fiscal Years: 2004-2005,2005-2006 and 2006-2007 Income Level: Very low and low and moderate (tenants) Selection Criteria: Priority shall be given to applicants in the following order until all available funding is committed/expended: Priority # 1 Applications proposing the creation of the new rental units by construction or rehabilitation, ranked in the following order: 1 a. Proposing the longest period of affordability 1 b. Units serving very low-income tenants Ie. Units serving substantially (%) very low-income tenants 1 d. Serving low-income tenants Ie. Serving substantially (%) low-income tenants If Serving moderate-income tenants The tiebreaker within Priority # 1 shall be the lowest SlllP per unit cost. Priority #2 Applications proposing the rehabilitation of existing affordable rental units, ranked in the following order: 2a. Proposing the longest period of affordability 2b. Serving very low-income tenants 2c. Serving substantially (%) very low-income tenants 2d. Serving low-income tenants 2e. Serving substantially (%) low-income tenants 2f Serving moderate-income tenants The tiebreaker within Priority #2 shall be the lowest SHIP per unit cost. Type of Assistance: FOR PROFIT ENTITIES and NON-PROFIT ENITTIES Entities proposing construction/rehabilitation in conjunction with Florida Housing Finance Corporation (FHFC) funding are eligible for loans secured by a mortgage up to $40,000 or that amount sufficiently to satisfy the FHFC local contribution portion of the FHFC program, whichever is less. The for- profit loan is at an interest rate of3% with a minimum term offifteen (15) years with principal and interest due upon maturity. The non-profit loan is at an interest rate of 0% with a minimum term of fifteen (15) years and principal balance forgiven at maturity. Amended Page - 1 0 ~ Revisions 05/05 Entities proposing construction/rehabilitation are eligible for mortgages up to $40.000 per unit. This loan is at an interest rate of3% with a minimum term of fifteen (15) years for for-profit entities with the principal and interest due upon maturity. Non-profit entities are eligible for mortgages at an interest rate of 0% with a minimum term of fifteen (15) years and principal balance forgiven at maturity. Loans may be extended in conjunction with an extension of the SHIP Rental Monitoring Agreement. Recapture: Due and payable upon sale or transfer of the property. termination of the long-term lease (greater than 15 years). or failure to comply with the terms of the SHIP Rental Monitoring Agreement or Land Use Restriction Agreement (LURA) as specified above. Other: All entities funded under this strategy will be required to execute a SHIP Rental Monitoring Agreement and Land Use Restriction Agreement (LURA) for a minimum term of fifteen (15) years. SIDP 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 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. / Amended Page - 11 - Revisions 05/05 Name: DISASTER MITIGATION Description: Funds provided to public and private owners of rental units dedicated by legal instrument (long term lease agreement, deed restriction, mortgage covenant. . .) fOf occupancy by households with very low or low incomes to make emergency reparrs. 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 (HoIDeownership and Rental) in an amount not to exceed twenty percent (20%) of the state's annual SHIP funding allocation. Fiscal Years: 2004-2005, 2005-2006 and 2006-2007 Income Category: Very low and low Selection Criteria: 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. Recapture: N/ A Other: F or the purposes of this strategy, emergency repairs are defined as those repairs to damages resulting from a declared disaster that pose an immediate health and safety hazard to occupant( s). Amended Page - 12 - Revisions 05/05 V. TIMETABLE FOR EXPENDITURES - See attached as EXHIBIT A VL AFFORDABILITY Homeownership 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. Rental Monthly rental maximums of SHIP assisted units, adjusted to bedroom size, shall be in the amounts established for Monroe County by the as published annually by the Florida Housing Finance Corporation for participation in the State Housing Initiatives Partnership Program. va 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 from the Special Programs Office, 1403 12th Street, Key West, Florida 3 3040. 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. To the extent possible, SHIP program information and applications may be accessible via the internet at Monroe County's official web site. Further, a display advertisement in a newspaper with countywide circulation announcing the availability of funding will be published at least 30 days prior to the acceptance of applications each year. If no funding is available due to a waiting list, no notice offunding availability is required. vm. 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 Florida Statute, Sections 420.907 - 420.9079 and Chapter 67-37, Florida Administrative Code ,Amended Page - 13 - Revisions Q5/05 (2) after 60-calendar days from the publication oflocal Housing Assistance Funding Availability, have the authority to re-allocate the SHIP dollars within the specific homeownership strategies and within the specific rental strategies 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 SHlP 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 cost 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 * Descriolion FY04-05 FY05-D6 FY 06-07 Salaries Administrator $ 10,000 $ 10,000 $ 10,000 Program Coordinator $ 28,000 $ 28,000 $ 28,000 Program Assistant $ 0,000 $ 0,000 $ 0,000 Administrative Assistant $ 2,000 $ 2,000 $ 2,000 Comptroller $ 1,000 $ 1,000 $ 1,000 Bookkeeper $ 3,000 $ 3,000 $ 3,000 Benefits (28%) $ 12,600 $ 12,600 $ 12,600 Heath Insurance $ 1,000 $ 1,000 $ 1 ,000 Advertising $ 500 $ 500 $ 500 Printing/Copying $ 500 $ 500 $ 500 Postage $ 500 $ SOD $ 500 Phones $ 400 $ 400 $ 400 Supplies $ 500 $ 500 $ 500 Rent $ 1,500 $ 1,500 $ 1,500 Equipment (>$750) $ 500 $ 500 $ 500 RepairsJMaintenance $ $ $ Utilities $ 500 $ 500 $ 500 BookslPublications $ 331 $ 331 $ 331 Travel $ 500 $ 500 $ 500 ProfesmonalSennce $ $ $ TOTAl $ 63,331 $ 63,331 $ 63,331 * Estimated Expenditure Administrative Budget based on 10% ofFY 05-06 State Allocation estimated by Florida Housing Coalition Apri12004 estimates and does not :include administrative allocation of program income. Amended Page - 14 - Revisions 05/0,5 IV. EXHIBITS: A. Timeline for Encumbrance and Expenditure: Attached as Exhibit A. B. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the Plan: Attached as Exhibit B. C. Certification Page: Attached as Exhibit C. D. Adopting Resolution: Attached as Exhibit D E. Program Information Sheet: Attached as Exhibit E Amended Page - 15 - Revisions 05/05 LRAP amendment language for CWHIP program qualification purposes: "Essential Services Personnel" in Monroe County according to its adopted and amended LRAP shall mean and include, without limitation full-time working persons employed in Monroe County providing services in the construction and skilled building trades, real estate, finance, public and non-profit organization, healthcare, licensed professions and trades, commercial fishing, hospitality, wholesale and retail consumer services, transportation, education, security and any similar service otherwise constituting an essential component of the local economy and community. t - J