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2010-27389 Reso~ ° .. . 20't 0-27389 RESOLUTION NO. ~. i _ A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF TH'E CITY OF MIAMI. BEACH, `.FLORIDA, APPROVING AND ADOPTING THE ATTACHED ANALYSIS OF IMPEDIMENTS - TO FAIR HOUSFNG CH01CE (AL) AS REQUIRED BY THE US. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) OF, AL'L LOCAL JURISDICTIONS RECEIVING FUNDING THROUGH THE CONSOLIDATED PLAN FUNDING PROCESS~ENSURLNG THAT JURISDICTlO.NS WILL AFFIRMATIVELY FURTHER FAIR HOUSING; AUTHORIZING THE NECESSARY CERTIFICATIONS , BY THE MAYOR AND CITY CLERK; AND AUTHORIZING ITS SUBMLSSI`ON TO THE ~ U.S. DEPARTMENT ~F HOUSING AND URBAN DEVELOPMENT. WHEREAS, theFederal' Fair Housing Act, Section 808(e)(5), ,requires the Secretary of the U.S. Department of Housing and Urban Development (HUD) to administer the Department's housing. and urban development programs in a manner as to affirmatively further fair housing ,; (AFFH); and WHEREAS, in .,September 2004, the U. S. Department, of Housing- and Urban 0 .Development reissued a memorandum guidance originally .issued. on, February 14, 2000., regarding the requirement that local jurisdictions receiving funding through the Consolidated Plan .process should- update, -where appropriafe, its Analysis of Impediments to Fair Housing Choioo (A~); ar~~ ~ . . WHEREAS, the Consolidated Plan.. regulations (24CFR 91) require a certification by - each jurisdiction that it will affirmatively further fair housing (AFFH); which -requires Fair Housing . Planning.. Fair Housing Planning. entails: 1) the completion of an Analysis-of Impediments:to Fair Housing Choice; 2) implementation of action plans to eliminate any identified impediments; and, 3) maintenance of AFFH records; corresponding with implementation of the Consolidated Plan .every three to five years; and WHEREAS, an analysis of ~ the impediments to fair housing is a ,..study of the barriers to housing .choice that limit the abi .ity of people to take advantage of the full range. of housing which should be available to them.; and WHEREAS, the. City of Miami Beach has, done much to expand the .housing choices of its residents.through avarety of programs; ..and WHEREAS, this Resolution ,authorizes the approval and adoption of the .attached Analysis .. of Impediments to Fair Housing Choice as a prerequisite of accepting federal funds and establishing the strategies that will be employed by the City.to~ affirmatively further fair housing. .NOW, THEREFORE, BE IT RESOLVED BY THE MAYOR AND CITY COMMISSION OF THE .CITY OF MIAMI BEACH, FLORIDA, that the Mayor and City .Commission hereby approve LL and ~ adopt thee- .attached :Analysis of Impediments to Fair .Housing Choice; .authorize the necessary certifications by the Mayor and the City C er-k; and authorize submission of the Analysis ofampediments to Fair Housing. Choice to the U.S. Department of Housing and Urban Development. Passed and ado ted this ~a~ da of ~/ `~ p y , 2010. . ~ . . ~ AYO R ATTEST: ~ ~: . 0 ~ . t~l~ _ CITY CLERK ' T:IAGENDA120101May 121ConsentlAl Resolution.doc _ APPROVED AS TO FORM & LANGUAGE ~ .FOR. EXECUTION . L' .~- ~ 3 ~ City Attorney Date Condensed Title: COMMISSLON ITEM SUMMARY Ke Intended ®utcome Sup orted: ~ - ,~ To increase access to workforce or affordable housin . . .Issue: . - ~ ~~ Should the City Commission approve the Resolution? Item Summa /Recommends#ion: ~ ~ - The U.S. Department of Housing and Urban Developmentrequires that all entitlement jurisdictions ` receiving. Federal funds submit an Analysis of Impediments. to Fair Housing Choice (AI) that :identifies barriers to fair housing choice within the jurisdiction and .fihe strategies-employed by the jurisdiction to overcome these barriers: In conjunction with Housing Opportunities Project for Excellence, Inc. the Office of .Real Estate,.Housing and~Community°Development drafted the attached Al identifying barriers to housing choice in our City and the various strategies we:will utilize to address the five impediments identified:. The identified impediments are; .1) Violations of federal, 'state and local fair. housing laws within the jurisdiction and irnmed:iate surrounding areas; 2) Lack of awareness'of fair housing iaws; 3) .Racial disparities in fair and equal lending; 4). A strongly segregated housing market; and 5) Limited funding availability for the creation of . affordable housing opportunities. The' following are goals that have been developed to -address the impediments identified: 1) Reduce :. `incidence of housing discrimination; 2) Educate the community about its rights and responsibilities to fair housing; 3)Reduce discriminatory and abusive practices in lending; 4}Promote integration and diversity .within the City; and 5) Provide more affordable housing. The Analysis of Impediments to Fair Housing Choice will be referenced and adhered to by all housing services funded by the City utilizing Federal funds. ~ THE ADMINISTRATION RECOMMENDS APPROVAL OF THE RESOLUTION I Adviso ~ Board Recommendation: N/A FinanciaF Information: Ci Clerk's Office Le islative Trac - Anna Parekh ext. 6471. S ian-Offs:. .Y Departure ~irector;~ ~.. a :Assistant Cit nager~ ,. .._.. ::: . ,City Manager . ... .. .. AP HMF JMG Uv ~~Er~~A ~T~M _ G' 7.~- DA-~~ ~~~a -io City of Miami Beach, 1700 Convention Center Drive, Miami Beach, Florida 33139, vvww.miamibeachfl.gov COMMISSION MEMORANDUM .. ~ TO: ' Mayor Matti Herrera Bower.and Members of the City C .mmission . a ~ FROM: -Jorge M. Gonzalez.,:City Manager ~ ~ ~ . . -, ~ DATE: May 1`2, 201.0.. .. .. .. SUBJECT: A RESOLUTION OF THE MAYOR AND :CITY COMMISSION OF THE CITY Of MIAMI BEACH, FLOR1'DA, APPROVING AND ADOPTFN'G THE ATTACHED. ANALYSIS OF - I:MPEDIMENTS~ TO FAIR .HOUSING CHOICE (Al) AS REQUIRED BY THE U.S. . -~ DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) OF ALL LOCAL :~ . JURISDICTLONS RECEIVING :FUNDING THROUGH THE CONSOLIDATED PLAN FUNDING PROCESS ENSURING ,THAT JURISDICTIONS WILL AFFIRMATIVELY ~... ~.. ; f URTH.ER FAIR HOUSING; AUTHORIZING TH'E Nf CESSARY CERTIFICATIONS BY THE MAYOR ~ AND: -CITY CLERK;. AND AUTHORIZING ITS SUBMISSION TO THE U.S. ._ DEPARTMENT OF H;OUSING.AND URBAN DEVELOPMENT. ADMINISTRATION RECOMMENDATION . Adopt fhe Resolution.. ~~ ANALYSIS , _. ,. The Federal Fair .Housing Act, Section 808(e)(5), requires the Secretary of the U.S. Departmen# of Housing; and Urban Developrrment (HU'D) to administer its housing and urban development programs in a manner as to affirmatively further fair housing (AFFH). A11 localities that are direct recipients of Community Development Block Grant (CDBG) funds from HUD are required to conduct an assessment of the barriers ` ~ ~ tohousing choice and develop a plan for overcoming the impediments identified. Although the grantee's AF1=H .obligation arises in connection .with th.e receipt of Federal funding, its AFFH obligation is not -. restricted to the,design.and operati9n of HUD-funded programs at the State or local level. The AFFH obligation extends to all housing and housing-related activities in-the grantee's jurisdictional area whether ,~ .publicly or .privately funded: , In September 2004, the~HUD reissued a memorandum guidance originally issued on February 14, 2000, regarding the requirement that local jurisdictions receiving funding. through the Consolidated Plan process should, update,where appropriate, its Analysis:of Impediments to Fair Housing. Choice (AI). The purpose .. ~ ~ . of the memorandum was to remind the jurisdictions, .especially at the beginning of a new Consofida#ed . .' , Plan. five-year .planning; cycle.:, thaf it is appropriate to update their Al's to reflect~the current fair housing ~. ~ situation ~in their communities: Subsequent Ai's are to be completed or updated in accordance with future . ~ ~~:timeframes` for the Consolidated Plan. A summary of the previously conducted Al .plus the jurisdiction's accomplishments for the past program year are requisite components of the performance report required . ~ ~ by the Consolidated Pla ; .. Analysis to Impediments ~ ~ ~ : ~IVlay 12, 2010. _ - .Page 2' -The Consotdated~.Plan regulations (24CFR 91) require a certification by each jurisdiction that it will affirmatively further fair housing which requires Fair Housing Planning. Fair Housing Planning entails: 1) the completion.ofanAnalysis ofImpediments to Fair Housing Choice; 2) implementation of action plans to eliminate `any identified impediments; and, 3) maintenance` of AFFH records, corresponding with implementation of the Consolidated Plan every three to five years. This means the jurisdiction will continue o certify that they will affirmatively further fair housing as a condition of continuing to receive federal funds. Local jurisdictions .can meet this obligation by conducting an AC, developing an .Action Plan and . implementing strategies designed to overcome these barriers based on their history, circumstances, and. .experiences. In other words, the local. jurisdictions should define.the problems, develop the solutions and ~- be held accountable for meeting.. the~standar-ds they set for themselves. _. In conjunction with Housing Opportunities Project for Excellence, Inc. (HOPE, Inc.,), the City has drafted the enclosed Analysis of Impediments to Fair Housing Choice .for submission to the U.S. Department of - Housing and Urban. Development as required for the continued receipt of federal funds. The attached AI identifying barriers to housing. choice in our City and the various strategies we will utilize to address the fiverimpediments identified. The identified impediments are: 1) Violations of federal; state and . ~ local. fair housing: laws within the jurisdiction and immediate surrounding areas.; 2) Lack of awareness of , fair housirig~haws; 3) Racia'I disparities in fair and equal lending; 4) A strongly segregated housing market; and 5} Limited funding availability fior the creation of affordable housing opportunities. The following are goals. that-have been developed to address the impediments identified: 1) Reduce ~: incidence of housing:discriminaaion; 2) Educate-the community about its rights and responsibilities to~fair . ' ~ .housing; 3) Reduce discriminatory and abusive practices in lending; 4) Promote integration and diversity within the City; and 5) Provide more affordable housing. The Analysis of lrnpediments to Fair Housing Choice will be referenced and adhered to by all housing :: ~ services. funded. by the City utilizing Federal funds. CONCLUSfON As an entitlement jurisdiction, the City received $1,753,035 in Community Development Block Grant funds and $1 x,263,276+ in HOME funds from the U.S. Department of Housing and Urban Development in FY 2009/1,0. The approval and subsequent submission of the attached .Analysis of Impediments. to Fair ,~ Housing Choice. will ensure that the City continues to receive funds as an entitlement community. The Administration recommends approval of the attached A1; authorizing the necessary certifications by the Mayor -and City C erk;-.and. authorizing submission of the. Analysis. of Impediments to Fair ,Housing Choice to the U':S. Department of Housing and Urkian Development. _` ~ JMG/HMF/AP/mlr . T:\AGENDA\2010\May 12\ConsentWl Memo.doc x i , 1 ` TABLE ®F CONTENTS ~ . 0.. INTRO®UCTION ' ,. A. History and Purpose 3 ~ . B. Who Conducted the Analysis ~ ~ 4 ~.. C. Methodology .~ 4 D. Funding ~ ~ 4 i II. , EXECUTIVE SUMIVLARY ~ 5 { . . . 'III. JURISDICTIONAL DEM®GRAPHIC/BACKGROUND DATA ,. A. Population ~ 71 B: Income g j C: Employment ~ ~ 10 D. Housing _ 11 E. Government Structure. ~ 18 IV. JURISDICTION'S FAIR HOUS1tVG PROFILE A Fair.Housing Complaints 1 g B. Fair Housing Discrimination Suits Filed ~ 21~ - C. Reasons for Trends or Patterns - ~ 23 , , V. JURISDICTION'S ENVARONMENTAL PROFILE I - , ~ A. Fair Housing .Enforcement 2T, 'B. Lnformational Programs ~ ~ 30 C Lending Policies and Practices ~ 32 D:~ Housing,.: Neighborhood Revitalization, Transportation--Needs and. Obstacles ~ 36 . E., Public and Assisted Housing ~ ~ 40 ,F: Homelessness . 42 .G. Planning and Zoning/Build'ing Codes (Accessibility) 45' H. Role of Media 46 . VI. CONCLUSIONS AND RECOMMENDATIONS A. Identified Impediments ~ ~ 46 B. Fair Housing Plan 48 . i/II. SIGNATURE PAGE ~ CDBG Administrator =Chief Elected Official . 51! l ~ „ ~ APPEN®IX 1. ~ M'ap, City of Miami Beach. 52 Attachment 1 -Lending Census Tract Charts, Tables 1 ~ 53 Attachment 2 -Summary Census Tract Information, Table, 2 ~ 60 - , Attachment 3 -Owner-Occupied' Home Purchase Loans by Race, Table 3 61~ 2 I. l[VTR®®UCTION i4. history and Purpose The Federal Fair Housing Act, Section 808(e)(5), requires the Secretary of the U.S. Department of Housing and Urban Development (the Department) to administer the Department's housing and urban development programs in a manner as to affirmatively further fair housing (AFFH). All localities that are direct recipients of Community Development Block Grant (CDBG) funds from the Department are required to conduct an assessment of the barriers to housing choice and to develop a plan for overcoming the impediments identified. Although the grantee's AFFH obligation arises in connection with the receipt of Federal funding, its AFFH obligation is not restricted to the design and operation of HUD-funded programs at the State or local level. The AFFH obligation extends to all housing and housing-related activities in the grantee's jurisdictional area whether .publicly or privately funded.' In September 2004, the U. S. Department of Housing and Urban Development (HUD) reissued a memorandum guidance originally issued on February 14, 2000, regarding the requirement that local jurisdictions receiving funding through the Consolidated Plan process should update, where appropriate, its Analysis of Impediments to Fair Housing Choice (A/). The purpose. of the memorandum was to remind the jurisdictions, especially at the beginning of a new Consolidated Plan five-year planning cycle, that it is appropriate to update their Al's to reflect the current fair housing situation in .their communities. Subsequent Al's are to be completed or updated in accordance with future timeframes for the Consolidated Plan. A summary of the previously conducted A/ plus the jurisdiction's accomplishments for the -past program year are requisite components of the performance report required by the Consolidated Plan. The Consolidated Plan .regulations (24CFR 91) require a certification by each jurisdiction that it will affirmatively further fair housing (AFFH), which requires Fair .Housing Planning. Fair Housing Planning entails: 1) the completion of an Analysis of Impediments to Fair Housing Choice; 2) implementation of action plans to eliminate any identified impediments; and, 3) maintenance of AFFH records, corresponding with implementation of the Consolidated .Plan every three to five years. For fair housing that means that. the jurisdiction, will continue to certify that they will affirmatively further fair housing as a condition of continuing to receive federal funds. Local jurisdictions can meet this obligation by conducting an Al, developing an Action. Plan and implementing strategies designed to overcome these barriers based on their .history, circumstances, and experiences. In other words, the local jurisdictions should define the problems, develop the solutions and be held accountable for meeting the standards they set for themselves. An analysis of the impediments to fair housing is more than a catalog of illegal acts. It is a study of the barriers to housing choice. This study must identify those systemic or structural issues that limit the ability of people to take advantage of the full range of U.S. Department of Housing and Urban Development, Office of Fair Housing and Equal Opportunity, Fair Housing Planning Guide, Chapter 1, Section 1.2, 1-1 housing which should be available to them. The City of Miami Beach has done much to expand the housing choices of its residents through a variety of programs. An attempt has been made herein to identify the immediate barriers, without discussing the causes/reasons for income disparities which are beyond the scope of this study. ~. 1Mho Conducted the Analysis Housing Opportunities Project for Excellence, Inc.- (HOPE, Inc.) is a private fair housing, non-profit corporation. established in 1988, dedicated to eliminating housing discrimination and promoting fair housing. HOPE, Inc. employs atwo-tiered system of Fair Housing (Education & Outreach and Private Enforcement). and. Special .Housing programs (Group/Individual Mobility Counseling and Relocation Services) to achieve its mission to affirmatively further fair housing. The programs are designed to ensure that people are offered the right to select housing of their choice without discrimination based on race, color, national origin, sex, religion, familial status,. disability and such other protected classes as -may be conferred by federal, state or local laws. HOPE, Inc. has completed Analysis of Impediments to Fair Housing Choice as consultants to more than 15 Local jurisdictions and has been instrumental in the recovery of nearly $9 million in out-of-court settlements for victims of housing discrimination. HOPE, Inc. is the~only private,.. full-service ,fair .housing organization in Miami-Dade and Broward counties engaged in testing for fair housing law violations and pursuing the enforcement of meritorious claims. C. IVlethodology This Analysis of the Impediments to Fair. Housing. Choice is prepared on behalf of the City of Miami Beach, FI'orida. The U. S. HUD Fair Housing Planning Guide was utilized in the preparation of the Analysis. The process of identifying impediments and recommending corrective actions included, but was not limited to, the review and extraction of data from the following: the Consolidated Plan, the official City of Miami Beach website, U.S. Census Bureau data, and Florida International .University's Metro Center. City of Miami Beach residents and local organizations ,provided written responses to a HUD Fair Housing Planning Guide survey and were instrumental in the provision of pertinent information for completion of the AI. This survey of City of Miami Beach residents was. completed to determine their knowledge and perceptions of fair housing issues affecting the jurisdiction. Impediments to fair housing in the homebuyer market-were examined by analyzing relevant Florida Clearinghouse Database Home Mortgage Disclosure Act (HMDA) data and the Federal Financial Institutions Examination. Council (FFIEC) database on mortgage lending and census tract data. Impediments to fair housing in the home buyer market were examined by analyzing the most .current published HMDA data with a focus on mortgage applications for home purchase and refinanced loans in the Gity. D. .Funding Funding for this. plan was accomplished using HUD entitlement funds for administration activities in the City of Miami Beach. The .intent of this update is to evaluate data used in the 2004 - 2009 report for the City of Miami Beach, Florida; review the original 4 impediments that were identified; determine if the impediments still. exist; review actions and effectiveness of actions taken during calendar years 2007-9; and identify new impediments that may exist and actions necessary for any newly-identified impediments. An attempt will be made to identify the immediate barriers. Segregated housing underlies unequal education, unequal access to jobs, and unequal income. A truly open housing. market is .essential if those differences are ever to be eliminated. The recommendations resulting from this AI are meant to provide a practical basis for eliminating a wide variety of impediments to housing choice. Impediments to fair housing have created neighborhoods that are dying for lack of equal investment. Overcoming those barriers means ensuring that adequate investment is available in the future and that all neighborhoods are healthy, attractive places to live. Eliminating the barriers to fair housing choice will not only improve the quality of life for many impacted individuals and- families, but will enhance the economic health of the City of Miami Beach's residents. Ile EXECUTIVE SUMMARY Incorporated on March 26, 1915, the City of Miami Beach is one of Miami-Dade's premiere cities. Hispanics comprise the largest demographic group (50%) while Non- Hispanics~ Whites represent the second largest demographic group. The city's Hispanic and Non-Hispanic White (42%) population continues to be highly concentrated. The City also has significant numbers of persons with disabilities (18%) and families with children (39.7%). .Increased education and outreach efforts are indicated to make protected classes of people under fair housing laws aware of their rights and where to seek assistance should they feel their rights have been violated. It is estimated that there were a total of 65,973 housing units in the City of Miami Beach in 2007.2 Nearly all of the housing in the City (92%) is multifamily units (from townhouses to high-rises). Of the 65,973 total units reported in the 2007, an estimated 4,903 (7%) of the units were converted to condominiums over the past five years. The Consolidate Plan notes, "a significant number of affordable rentals were lost to condo conversions." (11) Housing prices outpaced the incomes of area residents who primarily work in the City's service and tourism industry. As property values soared,. the median price for a condo in Miami Beach rose to $348,450. The median priced single family home was $1,150,000. . Approximately 46% of the total renters in 2008 paid more than 30% of household income for gross housing costs. In general, low-income families face more housing problems than non-related or elderly households. Almost all of small-related (87%) and large ,(98%} low-income families live in substandard, overcrowded conditions or are cost burdened. 2 The American Community Survey 2006-2008 estimates the total housing units available in Miami Beach to be 62,611 with a margin of error of +/- 874. (http://factfinder.census.gov) . 5 Housing discrimination complaints, fair housing litigation, and other data indicate discriminatory housing practices occurring in and around the jurisdiction. There is a need for on-going housing provider training and support of .,public and private fair housing enforcement. Analyzed 2007 HMDA data clearly shows a trend with respect to low numbers of Black applicants and low- and moderate-income applicants. The majority of the FHA loans originated (for which income could be determined) were made to middle- and upper- income applicants. Overall, Blacks and Hispanics are underrepresented in loan applications and originations for all loan types. The disparities in lending practices indicate a need for industry training in Fair Housing and Fair Lending laws and consumer education regarding lending processes and avoiding abusive practices. The following Fair ,Housing, Implications were identified during the data gathering process: 1. The significant number of households with children under 18 years and disabled population indicate a need for educating these populations regarding their rights under federal, state, and local fair housing laws; particularly reasonable accommodations, reasonable modifications, and accessible design and construction. 2. The presence of a significant Hispanic population. and persons who are foreign born indicate the need for culturally competent, multi-lingual fair housing information and services. 3. The receipt of CDBG funding from HUD implies the need for the governing body of such jurisdictions .receive training to ensure that the City's mandated obligation to affirmatively further fair housing extends to all housing and housing-related activities in its jurisdiction, whether.publicly or privately funded. 4. The results of the Fair Housing Survey conducted in the City of Miami Beach supports the need for an on-going effort to educate the community regarding. focal, state, and federal fair housing rights, responsibilities, and resources. 5. A review of housing discrimination complaints/ housing discrimination cases filed indicates the need for on-going and increased enforcement anal educational efforts to include Condominium Associations and City employees who are involved in housing. 6. Miami-Dade County's Fair Housing Ordinance has not obtained substantial equivalency certification from HUD. Such certification presents numerous advantages such as funding availability, Joca1 complaint processing under a substantially equivalent law, and opportunifies for partnerships that affirmatively further fair housing. 7. Disparities in lending practices indicate a need for industry training in Fair Housing. and Fair Lending laws and consumer education regarding lending processes and avoiding abusive practices. 8. Limited availability of affordable housing allows landlords and owners to be more 6 i selective when renting and selling, opening the door to discl-iminatory housing practices. __ Publicly funded or subsidized housing opportunities, must be affirmatively marketed to ensure availability to residents of all communities. The City of Miami -Beach has an extensive and sustained. record of promoting fair housing compliance and education. within its jurisdiction. Having completed its examination of all available data, HOPE, 'Inc. concludes that there are five {5) :. impediments to fair housing choice for the City of Miami Beach to address within the next five years: 1. Violations of federal, state;. and `focal fair, housing laws. in the jurisdiction and ..immediate surrounding areas. ~ - 2. Lack of awareness~of fair housing fa~ws, issues, and resources. . 3. Racial disparities in fair and equal lending. 4. A strongly segregated housing market. .5. Limited funding availability for the creation-of affordable housing opportunities. Recommendations for corrective action -.have been made in~the Fair Housing Plan that is ,provided herein. 111.. JURISDICTIONAL DEMOGRAPHIC/BACKGROIJN® ®ATe4 The Gity of Miarni Beach was founded in 1913 and originally incorporated in 191.5 as Ocean Beach. The name later changed to Miami Beach in ~ 917. Since its founding, ~ . the City has undergone many demographic changes and an economic resurgence in .. the 1980s and 1990s in the Art. Deco/South Beach area. These changes have generated new housing and community development ;needs and priorities in the community. The City of Miami Beach is rich with history and diversity as documented by the buildings, ..photos, and .monuments that tell ..its story, ., The City is approxima#ely 7.1 square miles and is grouped into three major areas: North Beach, Middle Beach and South Beach. The areas with low to moderate .income - . ~ concentrations are in the areas of North Beach and parts of South Beach: These areas generally overlap with the areas of minority concentration.:Because North Beach was not experiencing the economic revitalization that was being experienced by other parts of~~the City in th.e 1990s, the City developed and adopted a Neighborhood Revitafizafion . Strategy (NRS) in 2001 fhat focused on the,North Beach area. The NRS was approved . ~ by H`UD. A redevelopment plan is.-also approved for the area. Many .parts of the North .. Beach area are included in a State-designated Enterprise Zone, including all of the commercial areas and portions of the residential neighborhoods. The Enterprise Zone is currently being-expanded.3 (See Map of City found at the end of this report.) 3 City of Miami Beach Consolidated Plan, 2009.. ~ ` A. Population According to the City's Consolidated Plan, the City had a population of 87,933 as of 2000. ,The City estimated the current population at 88.,573, and projected the population to be 89,932 in 2012. The Consolidated Plan also cited Hispanic or Latino populations within the city to be 50 .percent (44,227); the White population to be 42 percent (37,804); and the Black or African American population to be 1.1 percent (1,012)..4 The City's Consolidated Plan also notes that 18 percent of the City's population of persons 5 years and older claimed some form of disability. Approximately 13.4 percent (11;783) of the City's population is under the age of 18 and Families (non-single residences) represent 39.7 percent of the population. The American Survey also estimates that approximately 50.7 percent (40,224) of the population are foreign born.5 Families UVith Children .Housing discrimination against families with children is on the rise. Fair housing centers and governmental agencies saw a 30-percent increase in complaints of discrimination against families with children in 2008. The National Fair Housing Agency and 27 private fair housing organizations around the country identified more than 7,500 discriminatory advertisements in every state and Washington, DC and filed 1,000 discriminatory advertising complaints with the U.S. Department of Housing and Urban Development in the past year alone. The National Fair Housing Alliance points to a loophole in the Communications Decency Act of 1996 that limits liability for online advertisers who state preferences that are otherwise illegal under the Fair Housing Act. HOPE, Inc. is currently increasing familial status testing and has uncovered increased local illegal advertising and unequal treatment by housing providers towards families with children within Miami-Dade County and South Florida. Elderly and Frail Elelerl~ According to 'the American Community Survey (2006-2008 estimates), 17 percent of households (13,628) in Miami Beach were headed by a person age 65 or older. Although 61 percent of elderly residents own their homes, many are still facing economic hardships., Citywide, 28 percent of the elderly population is living below the .poverty level. Additionally, 46 percent of owner-occupied and 65 percent of renter- occupied elderly households are cost-burdened. In all, 4,444 elderly households -many of whom are living on fixed-incomes -spend more than thirty percent of their income on housing costs. a Updated American Community Survey data includes Hispanic or Latino race population estimates of 39,236 (49.4%); White estimated population of 68,641 (86.4%- yet this number does not differentiate between Hispanic and non-Hispanic whites); and Black estimated populations at 1,659 (2.1%). These estimated numbers also include margin of error rates between +/- 499 and =/- 2,610 (http://factfinder.census.gov) 5 American Community Survey estimates include +/- 2.2 percent margin of error for foreign-born populations. 8 Households solely dependent on Social Security are in the greatest danger of becoming cost burdened. The .mean Social Security income in 2006 was only $13,106. At that level, a single elderly person could only afford. $328 per month in rent, which is far below the median rent for aone-bedroom apartment in the City ($1,743 per month). In Miami Beach, the total number of low-income elderly households (0-80% AMI) is expected to grow from 6,130 in 2008 to 6,202 in 2012. Approximately 65 percent of these households are expected to experience some type of housing problem. Persons with Disabilities In .2006, Miami Beach had an estimated 14,464 persons Living with disabilities. Individuals with .disabilities account for 18 percent of the total population, with the highest prevalence of disabilities affecting seniors. These disabilities include various types and severities that directly influence the ,degree of impact on individual lives and lifestyles. Table 13 segregates the disabled individuals living in Miami Beach by age and identifies the percentage of the disabled and general population represented. TABLE 1: Age. of Persons with ®isabilities in Miami Beach 2006 AGE % OF DISABLED POPULATION % O~ T®TAL POPULATION 5 to 15 ears ~ 5% 1% 16 to 64 ears 46% 8% 65 ears and older 49% g% TOTAL 1®0% 1~% Types of disabilities registered, in the U.S. Census include: sensory, physical, mental and self-care. Among these, physical disabilities ranked among the highest accounting for 54 percent of the disabled population. This was followed by mental (48%), sensory (44%), and self-care (23%). Many individuals may be afflicted with more than one type of disability, which accounts for the high percentages. Fair Housing Implications: The significant .number of households inhabited by children under 18 years of age and/or persons with disabilities indicates a need for educating these populations regarding their rights under federal, state, and local fair housing laws; particularly with regards to reasonable accommodations, reasonable modifications, and accessible design and construction. The presence of a significant Hispanic population and persons who are foreign- born indicate the need for culturally competent, multi-lingual fair housing information and services. Actions: 1. Miami beach will continue to provide information on fair housing laws to the general public through outreach efforts that target the above- mentioned protected classes. 2. Miami beach will continue to disseminate fair housing information at local homebuyer workshops, community events, and housing-related functions. ~. Income According to the Consolidated Plan, approximately 46% (21,367) of households in the City of Miami Beach earn 80% of the area median income (AMI) or less. Extremely Low- Income is considered at or below 30% AMI, and Very Low-Income is considered between 31 % and 50% AMI. According to the Florida Clearinghouse Database, households falling below 80% AMI in the City of Miami Beach were approximately 46% (21,431) of the population in 2000. The Consolidated Plan also notes a continued slight rise in all income brackets falling under 80% AMI. The City's median household income was $37,097 in 2007, while Miami-Dade County registered at $47,804, and the United States came in at $50,233. Median household income was lower than the median family income, because a greater share of non-family households include a single wage earner, while families often ..have two. TABLE 2: Total Households in Miami beach 2000 Census 2008 Estimate 2012 Projection Extreme) Low-income 9 130 9 072 9 178 Ver Low-income 5 477 5 422 5 506 Low-income 6,897 6,853 6 933 Moderate to U er - 24 690 24 534 24 820 TOTAL HOUSEHOLDS 46 194 45,902 46 438 Source: Miami t3each Consolidated Plan, 2009 TALE 3: Household Demo ra hic Data jurisdiction Year hlousehold Income Household Count Miami Beach 2000 0-30% AMI 9107 Miami Beach 2000 120+% AMI 16003 Miami. Beach 2000 30.1-50% AMI 5431 Miami Beach 2000 50.1-80% AMI 6893 Miami Beach 2000 80.01-120% AMI 8822 Miami Beach 2015 120+% AMI 20765 Miami Beach 2015 .30.1-50% AMI -6518 Miami Beach 2015 50.1-80% AMI 8507 Miami Beach 2015 ~ 80.01-120% AMI - 11187 Notes: Household Needs Assessment -Population and Household Projection to Methodology User Guide. Source: Florida Clearinghouse Database C. Employment According to the City's 2000 Demographic Profile, 56.8% of the population age 16 years and older were participants in the labor force, of which 52% were male and 48% were female. Miami Beach's employment rate was comparable to the .County's, (62%), slightly lower than the State's (58.6%) and the nation's (63.9%). However, according to the Bureau of Labor Statistics, the Miami-Miami Beach-Kendall Metropolitan Division, which made up 44% of the area workforce, lost 37,200. jobs from June a year ago. The 4.1 % rate of job loss in the Miami metropolitan area was similar to the national decrease of 4.2% from June 2008 to June 2009. Currently, the Miami area unemployment rate- is 10.8%, which is higher than the national average of 9.7%. D. Housing (City of Miami Beach Consolidated Plan 2008-2012) HOUSING INVENTORY While the housing supply represents the number of units available at any given time, the housing inventory refers to the total number of housing units found within the City limits. In 2007, there were approximately 65,973 housing units in Miami Beach. Originally built as a vacation, destination, most of the units in Miami Beach are small studio efficiencies and one-bedroom units, and nearly all of the housing in the City (92%) is multifamily units (from townhouses to high-rises). The table below identifies the existing housing in Miami Beach. TABLE 4: Housing Units by Type in ~iarr~i Beach 2007 LAND USE UNYTS AVERAGE SF AVG BEDR®OM AVG SATCi Sin le Famil 5 114 3 147 3.77 3.09 Du lex 482 3 043 2.12 1.55 Multifamil 3+ units 19,202 748 .1.00 0.96 Condominium 39 956 966 1.04 1.18 Coo erative 810 4.53 ~ 0.59 1.03 Mixed-Use Residential 154 20 .597 1.15 1.23 Townhouse 194 2 354 3.06 2..82 T®TAL .... 65 973 1.25 1.27 source: amity of oviiami t~eacn consolidated Plan, 2008. The housing inventory in Miami Beach is diversified not only by housing type but also by the age of the housingunits. There has been considerable new housing construction in the City since 2000 with 5,646 .new units added. However, the majority. of housing consists of older developments: approximately 50,000 housing units were built more than twenty-five years ago, half of which are more than fifty years old. Il The City has also had to~ contend with rapid appreciation in its housing market. A significant number of affordable rentals were lost to condo conversion. In Miami Beach, 4,903 rental units were converted over the .past five years. Housing prices outpaced the incomes of the area residents who primarily work in the City's service and tourism industry. As property values soared, the median price for a condo in Miami Beach rose to $348,.450. The median priced single family house was $1,150,000. Rental rates have been .much more stable in Miami Beach. According to Red Capita; Group (formally REIS, Inc.), the average rent rose from $1,.135 in 2000 to $1,527 in 2007 - a 35% increase. Monthly rents in Miami Beach range from $1,092 for a studio, $1,406 for cone-bedroom, $1,956 for atwo-bedroom, and $3,019 for athree-bedroom apartment. SUBMARKET TRENDS _ According to Red Capital Group, property owners and managers discounted units in the first quarter of 2009 in an attempt to boost occupancy. Average. asking rent decreased by .2% county-wide. TI6IBLE 5: Submarket ER 108 ER I 09 Change PV I 08 PV I 09 Change North Miami 1 004 996 -.08% 4.2% 6.3% ~ 210 b s North Dade $909 $872 ~-4.1% 3.7% 4.0% 30 b s North Miami Beach 1 297 1 275 -1.7% 7.3% 7.8% 50 b s Hialeah 828 844 2.0% 2.7% 2.9% 20 b s O a-Locks $641 $591 -7.9% 8.0% 11.5% 350 b s North Miami/ Ba shore $808 $806 -0.3% 3.9% 4.9% 100 b s Miami Beach $1373 ~ $1353 -1.7 7.3% 7.7% 50 b s South Beach 1 534. 1 442 -6.0% 4.9% 5,3% 40 b s Miami $952 $921 -3.2% 4.0% 5.4% 140 b s Air ort West $1,114 $1 091 -2.1% 3.5% 6.0% 250 b s Kendall East 1 086 $1 132 4.2% 2.1% 4.9% 280 b s Kendall Lakes $1,001 $982 -1.9% 4.0% 6.1% 210 b s South Dade/ Homestead $694 658 -5.1% 2.6% 4.0% 140 b s Metro $1,063 $1,033 -2.8% 4.3% 5.7% 140 b s mix= ~rrecnve xenU Yv= Physical vacancy (Red Capital Group, Market Overview, ls` Quarter Report, 2009; Available at: http://www.redcapitalgroup.com/Research/Reports/RCH-FL-003_Miami_1 Q09.pdf) Miami Beach Real Estate Projections: 2008 median house price: $293, 590 2009 projected change: -22.8% 2010 projected change: -6.4 Although housing costs are projected to decrease, affordable options will become increasingly scarce in the future. Noting that the number of extremely low-income households is projected to grow by 106 between 2008 and 2012 and. the number of households experiencing housing problems is expected to increase to 6,204 during the same time period, new housing opportunities for the area's most disadvantaged families must be created. Miami Beach real estate projections show a median house price 12 decrease of 6.4% by 2010. At that time, median house prices for the City will be roughly $278,400. This reduction does not change the housing problems for the low to moderate family households. (City of Miam, i Beach Consolidated Plan 2008-2012) HOUSING COST BURDEN Extremely Low_ income: It is anticipated that in 2008, approximately 6,133 households in Miami Beach earned less than 30 percent of the area median income. Earning barely sustainable wages (less than $18,100 for a family of four), these residents can neither afford to own nor rent the median .priced unit in the County. As housing costs continue to increase, affordable options will become increasingly scarce in the future. Noting that the number of extremely low-income households is projected to grow by 106 between 2008 and 2012 and the number of households experiencing housing problems is expected to increase to 6,204 during the same time period, new housing opportunities for the area's most disadvantaged families must be created. Ifery Low-Income: Very low-income residents, who earn between 31 and 50 percent of the area median income ($30,150 for a family of four), are also struggling to afford housing in the County. In five years, the number of low-'income households will increase slightly from 5,442 to 5,506. More than half (54%) will spend more than half their income to live in their home. Further, approximately 87 percent will experience some type of housing problem. Without adequate help, it is projected that the number of low-income households requiring assistance will increase to 4,801 by 2012. Low-Income: Households earning between 51 and 80 percent of the area median income ($48,250 for a family of four) represent 15% of the population in Miami Beach. From 2008-2012, the number of households is expected to increase from 6,853 to 6,933. With 78 percent experiencing housing problems, low-income families are in dire -need of assistance. By 2012, it is estimated that. 5,394 low-income households will experience housing problems. TABLE 6: Housing % ®f 2000 2008 ESTIMATE 2012 Need of Low- HOUSEHOLDS CENSUS PR07ECTYON income Households in Miami Beach (~ooo - 20~2~ INCOME Extremes Low-income 68% 6 175 6 133 6 204 Ver Low-income 87% 4 778 4 745 4 801 Low-income 78% 5 367 5 332 5 394 T®TAL <80% AMI * 76% 16 320 16 210 16 399 ~~u~ ~~: ~.i~y ~~ riiami rseacn ~onsoiiaatea Nan, Zoo8. * In 2008, it is estimated that 16,210 extremely low, very low, and low-income households will experience some type of housing .problem; by 2012, the total will reach . 13 . i 16 399. I n all 76 r n pe ce t of households earning less than 80 percent of the area median income are expected to experience some type of housing problem. (Consolidated Plan). Household Need by Family Size The table below highlights the housing needs of families earning less than 80 percent of the area median income. Both small related and large related. families have a greater proportional need than other types of households (elderly, single person and non- related). TABLE 7: Housing Need by Family Size in Miami Beach LNCOMf % of HOUSEHOLDS 2000 CENSUS 2008 ESTIMATE ~ 2012 PRO]ECTiON Small Related 87% .4189 4161 4210 Lar e Related 98% 648 649 656 Other 72% 11483 11 400 11533 TOTAL (<80% AMI) 76% 16,32® 16,21® 16,399 Small Related Households: Small related households -families of two to four persons - account for 22 percent of low-income households (incomes below 80% AMI) in Miami Beach. The current .estimated number of small related, low-income households in 2008 is 4,783.. Approximately 87 percent of these -totaling 4,161 households -will experience housing problems. By 2012, the number is expected to grow by 1.89 ,households. Large Related Households: Large related households, defined as households consisting of 5 or more persons, have a greater percentage of housingneed than any other household type. The high price and limited supply of larger housing units force many families to either live in overcrowded, smaller units or overpriced, larger homes. As a result, a total of 98 percent of large families have some type of housing need. Approximately 64% of the City's residents will spend more-than 30% of their income on housing costs; 54% will spend ,more than. half of their income on housing. Based upon the Department of Community Affairs standard, these figures indicate that a majority of the housing within the City is not affordable to its residents. .Household Need by Tenure Overall, homeownership rates in Miami Beach are low (37%), largely due to the high cost of housing. Ownership rates for low-income households are even lower: 19% for extremely low-income, 21 % for very low-income, and 27% for low-income households. In general, homeowners are less likely to experience housing problems than renters. In Miami Beach, 69 percent of low-income homeowners (earning 0-80% AMI) experience housing problems in comparison to 78% of renters for he same income group. The following table summarizes the .housing need for renters versus homeowners in 2000, 2008 and 2012. 14 TABLE 8: HOUSING NEED BY TENURE YN MIAMI BEACH % of HOUSEHOLDS 2000 CEINSUS 2008 ESTIMATE 2012 PRO,ECTION Renter Occu ied 78% 13 058 12 973 13 124 Owner Occu ied 69% 3,262 3 238 3 277 TOTAL <80% AMI 76®/o if 320 16 211 16 401 Source: Consolidated Plan, 2008 Household Need by Race/Ethnicity In Miami Beach, there is a disproportionate housing need between racial and ethnic groups. In general, minority households are more likely to .experience housing problems. A total of 62 percent of Hispanic households and 54 percent of Black Non- Hispanic households have a housing need compared to only 43 percent of White Non- Hispanic households. Housing Need In .Miami Beach, 39 .percent of the disabled population lives below the poverty level. Thais population may find it extremely difficult to transcend its poverty. Depending on the severity of the disability, certain individuals. may have trouble maintaining a steady job or place of residence. According to the 2006 American Community Survey, approximately 66 .percent of working age persons with disabilities are unemployed. For those that are working, the median earnings are only $26,297, approximately 23 percent lower than individuals without a disability. Countywide, more than 60,000 households are either headed by a disabled individual or contained a disabled .family member. Analysis from the Florida Housing Data Clearinghouse at the University of Florida Shimberg Center for Affordable Housing determined that among households containing a person with a disability, 29 percent are residing in substandard housing and 70 percent are living below the poverty line. In general, it is difficult to quantify the exact housing needs of the disabled population. Many- individuals require little or no assistance in maintaining independence. Others require special attention .and the care of professionals. Regardless, it is essential to ensure the accessibility and affordability of housing for this special needs population. Housing Conditions Housing conditions are determined by reviewing the age of the housing stock and identifying substandard housing. It is important to. note that while older homes tend to be more affordable, they are also exposed to more housing problems (i.e. deferred maintenance, hurricane vulnerability, and substandard housing conditions). This is of particular interest in Miami Beach, where more than 85% of the housing. stock is 25 years or older.. Units built prior to 1978 also run the risk of lead-paint hazards. In Miami Beach, approximately 37,753 units are at risk. 15 Housing Problems An average of 81 % of both renters and homeowners in large related households are experiencing housing problems. These problems range from overcrowded conditions to deteriorated structures. There are several measures which can be used to evaluate housing stock and living conditions within the City, including age of structure, overcrowding, lack of certain necessary facilities, structural integrity, and Florida Building Code requirements. Specific indicators of substandard housing or living conditions for each of the above measures are as follows: • Age of Structure: The housing units are characteristically old, with more than 50,000 of the units more than 25 years. Half of those units are more than 50 years old. The age of the housing stock also means more units are at risk of having lead-paint hazards. • Lacking Facilities/Overcrowding: These housing units lacking complete plumbing facilities, heating and cooking facilities, and/or complete kitchen facilities. Overcrowding is defined as 1.01 persons per room or more within a dwelling unit. Housing units are considered to be substandard if they lack complete kitchen or plumbing facilities or are overcrowded (more than one person per room). The American Community Survey estimated that 2,354 households were living in substandard conditions in Miami Beach, mostly as a result of overcrowding. Applying a similar ratio to the total housing supply in Miami Beach produces an estimate of 3,738 and 3,763 substandard housing units in 2008 and 2012 respectively. 16 TABLE 9: HOUSING CONDITIONS % 2008 2010 Lacking kitchen / lumbin facilities 0.8% 376 381 Overcrowdin 3.0% 1 354 1 370 Total Substandard 3.8% 3 738 3 763 Source: Consolidated Plan 2008. Code Violations: The City has adopted the Florida Building Code (Miami-Dade & Broward Edition) that incorporates the following definition for an unsafe structure: 1. A building deemed a fire hazard, as a result of debris or other combustible material, creates a hazard, vacant and unguarded; or 2. A building deemed structurally unsafe by design or deterioration, partially destroyed, unsafe or lack of adequate plumbing, inadequate or unsafe electrical, inadequate waste disposal system or lack of a building permit. The analysis conducted by the City regarding Housing Needs, defined as any type of housing problem, concluded that the age of housing includes 47,726 units that are at high risk for lead-paint hazzards due to age. This number represents 69% of the total housing available. Vigilant code enforcement and conservation efforts will need to be undertaken as a means to preserve the City's affordable housing stock. Given significant increases in home values and rental rates since the 2000 Census, increases in housing production costs, the current mortgage and credit crisis and the continued reduction of federal funding to local jurisdictions, and projected increases in housing needs for all household groups, the City's ability to produce affordable housing opportunities for its residents will be adversely impacted. Fair Housing Implications: Limited availability of affordable housing allows landlords and owners to be more selective when renting and selling, opening the door to discriminatory housing practices. Publicly funded or subsidized housing opportunities must be affirmatively marketed to ensure availability to residents of all communities. Actions: 1. Beach will continue to offer fair housing workshops for local housing providers with free educational materials on the rights and responsibilities of such providers. 2. Miami Beach will collaborate with the local fair housing agency to conduct systemic and complaint-based testing to eradicate illegal housing discrimination. 3. Miami Beach will collaborate with the local fair housing agency to conduct monitoring of publicly and subsidized housing units to ensure affirmative 1~ marketing and fair housing compliance. E. Government Structure The City operates as a "Commission-City Manager" form of government. The Commission consists of a Mayor and six (6) Commissioners who serve as the policy- making body of the City. The City Manager ensures that policies, directives, resolutions, and ordinances adopted by the City Commission are enforced and implemented. The City Manager is also charged with the daily operations of the City. The Consolidated Plan regulations (24 CFR 91) require that the City of Miami Beach complete the Fair Housing Planning, which includes the completion of an Analysis of Impediments to Fair Housing Choice. The City contracts with HOPE, Inc. to complete this requirement; as well as, to conduct fair housing education and outreach throughout the City. Fair Housing Implication: The receipt of CDBG funding from HUD suggests the need for the governing body of the jurisdiction to receive training to ensure that the City's mandated obligation to affirmatively further fair housing extends to all housing and housing-related activities in its jurisdiction, whether publicly or privately funded. Action: 1. Miami Beach will host fair housing presentations and trainings specifically focused on the needs and responsibilities of jurisdictions in affirmatively furthering fair housing. IV. JURISDICTION'S FAIR HOUSING PROFILE A. Fair Housing Complaints The National Fair Housing Alliance's 2008 Fair Housing Trends Report announced that 27,023 fair housing complaints were filed nationwide in 2007.6 According to the report, this number represents less than one percent of the estimated incidence of illegal housing discrimination that occurs each year in the United States. Further, the report estimates that private fair housing organizations process approximately 60% more complaints than public entities. The report indicates that for the past few years, disability as a basis for discrimination has dominated the complaint load nationally. In Miami-Dade County and in the City of Miami Beach disability has been and continues to be the most common basis of discrimination complained of. The National Fair Housing Alliance's 2009 Fair Housing Trends Report announced that 30,758 complaints were filed in 2008. According to the report, an estimated 4 million violations occur each year, which shows that less than one percent of estimated 6 http://www.nationalfairhousing.org/FairHousingResources/tabid/2555/Default.aspx 18 incidences of illegal housing discrimination were filed. Still, the Trends Report notes that 2008 complaint numbers represent the highest total number of complaints ever filed. Private fair housing groups processed 20,173, or 66 percent, of the total complaint load. HUD processed 2,123 complaints and state and local agencies processed 8,429. The Department Of Justice filed 33 fair housing cases. Complaints alleging discrimination on the basis of disability continue to rank as the highest among all protected classes, except for DOJ cases that were predominately race-based. The chart below shows the number of fair housing complaints filed across the country since 1999. These represent complaints filed by 93 members of the National Fair Housing Alliance, Fair Housing Assistance Program (FHAP) recipients (107 state and local government agencies that receive HUD funding to investigate fair housing complaints), HUD, and DOJ. TABLE 10: DISCRIMINATION BY PROTECTED CLASS NFHA Member Com laints FHAP Claims and Com laints HUD Claims and Com laints DOJ Case Filin s TOTAL 1999 11,531 3,676 2,198 48 17,453 i 2000 15,131 4, 971 1, 988 45 22,135 2001 16,550 5,041 1,902 53 23,546 2002 17,543 5,129 2,511 49 25,232 2003 17,022 5,352 2,745 29 25,148 2004 18, 094 6, 370 2, 817 38 27, 319 2005 16,789 7,034 2,227 42 26,092 2006 17,347 7,498 2,830 31 27,706 2007 16,834 7,705 2,449 35 27,023 2008 20,173 8,429 2,123 33 30, 758 • ibid. Hull, rtinr and llUJ data are for Fiscal Year 2008. DOJ data represent case filings of HUD Election and Enforcement cases, and Pattern or Practice cases. DOJ's jurisdiction under the Fair Housing Act is limited to pattern or practice cases and cases referred by HUD. HUD, FHAP and NFHA data represent fair housing complaints received and/or processed. ~~ o '- .~. Bcv~;...v,rye .,...r r,.. # Y" ~'" fir; e '~ ;,.;~ ;": : ti .c+^ - .F"'Sy...;: ~ . ;;w,..!r '.~:F _ - s =;~- ~. "y , x.. ~ a.: %'..yµ~~i ~ v_ ...' 4. "::~Y•, ~ ~ ~".,.-y.5~'~".t OF ~ 1. #~ «..:i~y~ A III.,, .` ~,~ T'C.. ~{ ' q ~~~~~~. ~:y~ A 5+ ~~:.: .. '1 u-:. y ;.. '~ ~.._}'~ .;. .:.: v ~:~'.1c ,.~~tt AA~ _ ~X 1 'F ,~5 .~ y+~'~1~..: ~'a^.. ~~. ..i .... ~ypy^~y. • ^'~. ~ ~~i.t ~'. . .-<'~. -din, ., ;t'C'.,. .- .....f.r. ~~ J•,:',~_,.re~l:~-.x .., .-.. . 'fie( _. .. _ _ _ .,~ „?~STS ..i u~`+i{ aL:Y.s:.' ~.8 iy'~~:. « ~.. .g, +~ LOCAL FAIR HOUSING COMPLAIIV~S From January 1998 through September 2009, HOPE, Inc. received a total of 83 complaints within the City of Miami Beach. Race-based complaints totaled 37 or 44 percent of the City's total. The category of "Other" includes sexual orientation and is the second most common basis of discrimination complaints filed with 19 or 23 percent of the total cases filed falling within this category. Disability complaints followed with 12 cases or 14% filed, and familial status/ National Origin/ Religion included 5 total complaints or 6 percent of all cases filed. 19 TABLE 11: CASES BY BASIS Race/Color 37 Disabilit 12 Familial Status 5 NationalOri in 5 Reli ion 5 Sex 1 Other, State & Local 19 Tota I 84 Case by Basis p ^ Race/Color ,~~ ^ Disability ,,. ^ Familial Status ^ National Origin ^ Religion ~ Sex ^ Other, State & Local From January 01, 2009 thru December 31, 2008, there was total of sixteen (16) housing discrimination cases received by HUD or FHAP agencies. Disability-based complaints totaled lout of 16 or 44%. Familial Status cases totaled 3 out of 16 or 19%. The remaining 6 cases or 37% was evenly distributed between Race, National Origin, and Sex. Zo -; . x.e: ]J'... -'r:~.. '~ ;>. .~,, ~ ~_.,- ~ .ems .. - '+;e '.~~ i' .-- ~:8. ....:.t'/ ~: -.A%^;,: - - ", T :nM ~: ~:..r -t..M, ':1 .. .._~. ~ n :, ;>:y_ .. ,, ~ :. ..~` 'W »Ar ' ~.: . Y:~ m- ..:. ,p" ,£ ;,sx ?5~ ~:S y' '~ . x ~, r a'' fi 2 ;!a?4~.` ~ ,,.}Fn' ,f e. !~s;~Ke ,:.. y -^:'!!.. is `. .~ .r `s4-~~,*~v~ y~~' .~~, ~' ~ ~. :iti~iK ~ ~ ,E k.. " ~ A''fi s "";~^,' .6-` ~~ +'~- ~,~w ~ ~ t~y1y_fs'~ ~. w .. ., .,-- `~ ' f '-, .~ +,'. -z,?•..~ gyp. ':~..~~~k Y~ ;- .~.' '~ ~ 8 -~ - '~ x "3 . ~«'.: ~ ,~::-. ~Yrx~.., .T c~ e. :..::: ...~`~. -::;' ..:.,:~..~ ... `.' .F,. _ s. :.. .r - .. ,~.. ,. .~ -.. w., ~6r,..M:~~1'~~~ i44,'t,..~.~'.. __ I TABLE 12: 08' CASES BY BASIS HUD and FHAP Race/Color 2 Disabilit 7 Familial Status 3 NationalOri in 2 Reli ion 0 Sex 2 Tota I 16 Fair Housing Implications: A review of housing discrimination complaints indicates the need for on-going and increased enforcement and educational efforts. Actions: 1. Miami Beach will continue to disseminate fair housing materials throughout the City. 2. Miami Beach will target specific at-risk communities for additional material distribution and outreach opportunities. C. Fair Housing Discrimination Suits Filed State and Entitlement jurisdictions must become fully aware of the existence, nature, and causes of all fair housing problems impacting their area. Recent local cases provide insight into the types of housing discrimination occurring in and around these jurisdictions. Below is a list of recent cases within Miami-Dade County. 21 Hicks, et al. y. Rebuilding Our Community, et al.'- Three African-American families, who were first-time home buyers, signed contracts to purchase and had their homes sold to white, Hispanic buyers. The developer was sued for housing discrimination on the basis of race and breach of contract. The homes, subject to the lawsuit, are located in areas neighboring Florida Memorial College which is located in the City of Opa Locka. It is uncertain as to whether or not the homes are actually located within the City's boundaries. The case settled in mediation. The amount and terms of settlement are confidential. Milsap, et al. v. Cornerstone Residential Mana ement$ The developer and property management company of affordable housing units located in Miami-Dade and Broward Counties is subject to a class action lawsuit alleging discrimination on the basis of familial status and race: The plaintiffs allege that the occupancy restrictions established and enforced by Cornerstone have a discriminatory impact on families with children and Blacks. US HUD has established a general rule of two persons per bedroom as a reasonable occupancy standard for purposes of the Fair Housing Act.9 The plaintiffs allege that the occupancy standards enforced at properties owned and operated by Cornerstone are more restrictive than that established by HUD, thus having a discriminatory impact on families with children. Further alleged is that properties located in areas with larger minority populations have even more restrictive occupancy limitations than areas with smaller minority populations, resulting in racial disparities. The case is pending. Guzman, et al v. Raguetclub, LLC. et a1.10 A visually impaired woman and companion allege that a property with a "no pet" policy refused to allow her to apply to rent an apartment because of her guide dog. Twin Lakes Racquet Club Apartments is located at 777 NW 155 Lane, 33169, just outside of the City of Miami Garden's boundaries. The case is pending. 'Filed in 2005 by the Florida Justice Institute in the United States District Court, Southern District of Florida, Civil Division, Case No. OS-20083-CIV s Filed in 2005 by The Law Office of Matthew Dietz in the United States District Court, Southern District of Florida, Civil Division, Case No. OS-60038 CIV 9 Department of Housing and Urban Development, Fair Housing Enforcement- Occupancy Standards, Notice of Statement of Policy, Docket No. FR-4405-N-O1; Federal Register/Vol. 63, No. 245/Tuesday, December 22, 1998/Notices 10 Filed in 2005 by The Law Office of Matthew Dietz in the United States District Court, Southern District of Florida, Civil Division, Case No. 06-24037-CA-08 ~~ ._ .r ,., . , ., . ,6 _, ..... '~ ~.r~... £_.,.. ... ,l'.. .~. .. v .;y.. ... s_~ .' .-•.., .... .?~.~?":~ .., ,. _ A- ,. x~ .. x .W...,.. .~. ...., r~ .~" susax..u~.,w .7Llk.. .... ._ ,_ ... Davis vs. Miami Beach CDC An African American man filed a complaint with the Relations. He alleges unfair or unequal treatmen Development Corporation staff during the Homebuye access of supportive services after the workshop. The case was dismissed for lack of reasonable cause. Bloomberg vs. Tower 41 Association Florida Commission on Human t by Miami Beach Community r Workshops and in regards to Plaintiff alleged discrimination based on sexual orientation. The Plaintiff alleges that he was approved to rent a condo until the association's representatives realized that two men would be sharing the unit. A conciliation agreement was reached wherein the Plaintiff was reimbursed for costs and fees associated with the rejection. Fair Housing Implications: A review of the housing discrimination cases filed indicates the need for on-going and increased enforcement and educational efforts to include Condominium Associations and City employees involved in housing. Actions: 1. Miami Beach will continue to encourage private housing providers to complete fair housing training through the creation of workshops and trainings that target these providers. 2. Miami Beach will continue to promote enforcement through the support of the local fair housing agency's complaint hotline. 3. Miami Beach will continue to support the fair housing agency's media campaign to make communities aware of local enforcement options. C. Reasons for Trends or Patterns In the fiscal year 2007 Annual Report on Fair Housing, HUD specifically identified the underreporting of housing discrimination complaints as a "significant obstacle to eliminating discriminatory housing practices". ~' The Report also referred to previous HUD studies on public awareness. A major awareness study, "How much do we know? "released by U.S.HUD in April 2002, Public Awareness of the Nation's Fair Housing Laws12, provides evidence of an underreporting of housing discrimination in the country. The study provides the results of the first national survey and analysis of public awareness of fair housing laws. Although the survey did not quantitatively assess the extent of housing discrimination, " U.S. Department of Housing and Urban Development, FY 2007 Annual Fair Housing Report, pg. 24, available at: http://www.hud.gov/offices/fl~eo/library/FairHousing-FY2007AnnualReport.pdf 12 U.S. HUD, Office of Policy Development and Research, available at www.huduser.or~ 23 respondents were asked if they felt that they had ever been discriminated against when trying to buy or rent a house or apartment. According to the study, fourteen percent (14%) of the respondents, more than 28 million people, believed that they had experienced some form of housing discrimination. Of that fourteen percent, less than one-fifth of the people took action, and most simply complained to the individual who they believed discriminated against them. The survey results imply "a much greater incidence of perceived housing discrimination among the general public than a tally of complaints by government agencies, fair housing groups, or the legal system indicate." The study emphasized a widespread lack of public awareness of the nation's fair housing laws. On-going education and outreach efforts are essential to promote awareness of rights conferred under fair housing laws and to ensure compliance with fair housing laws. In an effort to gauge the current local level of housing discrimination, aFair Housing Survey was conducted throughout the City of Miami Beach. In August and September 2009, HOPE, Inc. conducted a survey that posed a series of questions to 100 local residents regarding housing discrimination, tenant homeowner rights, and local fair housing resources. Steps were taken to ensure a random and widespread response from residents within the City. Surveys were conducted at local community events, through direct community outreach to local businesses, community organizations, and residential areas, as well as, through telephone and facsimile contacts with local religious organizations. One hundred surveys were collected through these efforts. Extent of perceived discrimination and trends in awareness: In Miami Beach, forty-one percent of residents surveyed claimed to have experienced or know someone who has experienced some type of housing discrimination. Yet, only one percent of those believing to have experienced housing discrimination had taken any action in response. These are important issues because the Fair Housing Act relies on homebuyers or renters knowing enough to recognize housing discrimination when it occurs and, if experienced, to initiate a response, such as filing a formal complaint for investigation, conciliation, or adjudication with local and national organizations, such as HOPE, Inc. Education is essential to this process. Fifty-Eight percent of Miami Garden residents admitted to an unfamiliarity with fair housing laws and the individual rights of renters and homeowners. Also, sixty-four percent of those surveyed were unaware of the resources available for filing discrimination complaints. Education and outreach are the main sources for dispersing such information throughout local communities. 24 Trends in Awareness ^ Unfamiliar with fair housing resources ^ Unfamiliar with fair housing laws ^ Unfamiliar with issues facing minorities in housing Grassroots organizations traditionally play the role of local informer and trusted resource. In fact, 66% (20,173) of the 30,758 housing discrimination complaints filed in 2008 were taken by private organizations. Although national complaint numbers appear extreme, the National Fair Housing Alliance asserts that, "the number of complaints filed, however, still represents less than one percent of the annual incidence of discrimination." One cause for the low numbers of reported complaints is the insidious nature of housing discrimination. Since the Fair Housing Act made housing discrimination illegal, massive resistance to integration evolved from blatant to covert practices. Therefore, identifying housing discrimination requires an understanding of specific terms and practices that otherwise appear legal. HOPE, Inc. specializes in the diversification of outreach and education efforts in order to inform larger numbers of local residents about current trends in housing discrimination. HOPE, Inc. targets residents by participating in community events, housing workshops, educational programs, specific residential and business outreach, and other such activities. The 2009 National Fair Housing Trends Report noted that rental grievances continue to represent the largest category of complaints for housing discrimination. HOPE, Inc. discrimination complaints show that a major element in rental housing discrimination is a lack of provider education and awareness regarding their responsibility to comply with federal, state, and local fair housing laws. Therefore, HOPE, Inc. targets housing providers and entitlement jurisdiction employees for training and certification in fair housing laws and practices. 2s Trends in home buying practices: Mortgages Fifty-One percent of Miami Beach residents surveyed admitted to being unaware of the problems facing Blacks and Hispanics in securing a mortgage. This is a major concern for two reasons: predatory lenders historically target minorities and their communities; and the foreclosure crisis has revealed unfair lending practices that have had a disproportionate impact on minority families. The Center for Community Change reported that African Americans are three times as likely as Whites to finance their homes with sub-prime loans; this is true even between upper-income Blacks and Whites. In fact, more than twenty percent of the sub-prime loans given went to people who met the Fannie Mae requirements for a regular loan. Thirty-Six percent of Miami Beach residents reported that they or someone they knew were offered an overly expensive home loan. Steering Fourteen percent of Miami Beach residents experienced steering when purchasing a home. The National Fair Housing Alliance in cooperation with HUD conducted a two and half year national investigation that revealed a steering rate of 87% for minorities when viewing homes for purchase. Therefore, it is likely that some residents surveyed were unaware of the actual practice of steering. Again, preventative measures must include education. Residential Segregation In Miami Beach, thirty-eight percent of those surveyed believed that their neighborhoods were segregated by race and ethnic groups. The U.N. Committee on the Elimination of Race Discrimination issued a report in January 2008 that noted: [P]ersistence and prevalence of housing segregation throughout the United States...The average white person in metropolitan America lives in a neighborhood that is 80% white and only 7% black. In stark contrast, `a typical black individual lives in a neighborhood that is only 33% white and as much as 51 % black,' making African Americans the most residentially segregated group in the United States. Generally, it appears that Miami Beach would benefit from fair housing education and outreach efforts. Basic Survey Results: 1. Are you Familiar with the fair housing laws and your rights as a renter/ homeowner? 58% answered "yes"; 42% answered "No" or "I don't know" 2. Have you are anyone you know ever experienced housing discrimination? 41 answered "yes", 59% answered "No" 26 3. Do you .know what agencies to contact for information on your.fair housing rights or assistance in reporting housing discrimination? 36% answered "yes", 64% answered "No" or "I don't'know" 4. I have filed a discrimination complaint with. an agency or in court: 98% answered "No'', 2% answered "Yes" .: 5. Are neighborhoods segregated by race- and ethnic groups within the City of Miami Beach? 62% answered "No"; 38% answered. "Yes" 6: Have you experienced discrimination ~ in ~ getting a mortgage or property insurance? 93% answered "No"; 7% answered "Yes" 7. Have-you or anyone you 'know beendenied the opportunity or steered away from - -buying o:r renting in a particular neighborhood? 14% answered "Yes"; 86% answered "No" 8. Have you or anyone you know been offered a more expensive home loan than you feel you qualified for?: 36% answered "Yes"; 64% answered "No" 9. Are you aware of problems faced by Blacks or Hispanics fn securing a mortgage loan? 51 % answered "Yes"; 49% answered "No" 10. What would you say is the best thing abouf Living i'nn your neighborhood? 25% answered "Good'~Mix of People"; 18% answered "Convenience"; 12% answered "Near work"; 19% answered "Scenery"; ~% answered "Family" 11. What would. you say is the worst thing about the neighborhood or place that you . ~ ~ .. live?~ 22% answered "Pollution"; 38% answered ".Nothing"; 12% answered - ~ "Neighbors"; 7% answered "Crime" Fair Housing lrnplications: ~ ~ . The resu is of the Fair Housing Survey conducted in the City of li~iarni beach support the need #o_r :an on-going effort to educate the community regarding fair . ~ housing rights under fair `housing laws and where to file such complaints. A. review of `housing. discrimination .complaints indicates the need, for on-going and increased enforcement and educational efforts. .Actions: 1. IVliami beach wil continue its fair housing education and outreach efforts, ~/.: JURISDICTION'S ENVIRONMENTAL PROFILE e~. Fair Housing Enforcement Federal The Federal 'Fair Housing Act13 prohibits, discrimination on the ba is of race, color, national origin, religion, sex, familial status,. and disability. The- U:S". Department of Housing and Urban Development, Office of Fair Housin and E ual O g q pportunity, is charged with enforcing the Federal Fair Housing Act. The-Act contains administrative 13 Title VIII of the Civil Rights Act of 1968, 42USC3601 27 enforcement mechanisms, with HUD attorneys bringing actions before administrative law judges on behalf .of victims of 'housing discrimination, and gives, the Justice Department jurisdiction to bring suit on behalf of victims in Federal district courts. ~~ In connection with ,prohibitions on discrimination against individuals with disabilities, the Act confairis design and construction accessibility provisions for certain new multifamily dwellings developed for first occupancy ~on or after March 13, 1.991. HUD has had a lead role in administering. the Fair. Housing Act since; its adoption. in 1968: The .:1988 amendments, however, have greatly increased the Department's . enforcement. role. First, the newly protected- classes have .proven significant sources of new complaints..Second, HUD's expanded. enforcement role took the Department beyond .investigation and conciliation into the mandatory enforcement area. Complaints filed with HUD are investigated by the Office of Fair Housing and Equal Opportunity (FHEO). If the ,complaint is not successfully conciliated, then FHEO determines, whether reasonable cause exists to .believe, that a discriminatory housing - practice has occurred. Where. reasonable cause is found, the parties to the complaint are notified by HUD's° issuance of a Determination, as well as a Charge of Discrirninafion, and a hearing is scheduled before a .HUD administrative aw judge. Either .party -- complainant or respondent ~-- may cause the HUD-scheduled administrative proceeding to be terminated by electing instead to .have the matter litigated in Federal court. Whenever a .party has so elected, the. Department of Justice -takes over HUD's role as counsel seeking resolution of the charge on behalf of aggrieved persons, and .the matter proceeds .as a civil action. Either; form of action -- the Administrative Law Judges .proceedings or the civil action in Federal district court -- is subject to review in the U. S. Court of Appeals: 14 State The Florida Farr Housing Act~15 was passed by the Florida Legis ature in 1983, and - amended in 4989. The .Florida Fair Housing Act parallels the Federal Fair Housing Act. The Florida Commission on Human Relations (FCHR) is a .Fair Housing Assistance Program (FHAP) agency and enforces Florida's state fair housing law. Substantial equivalen"cy certification takes place when a State or local ~ agency applies for . certification and the U:S, Department of; Housing: and Urban Development (HUD) determines that the agency enforces a law that provides substantive rights, procedures, - remedies and' judicial review provisions that are substantially equivalent to the federal Fair Housing Act. HUD has atwo-plisse procedure for the determination of substantial equivalency . cerfification. In thefirst phase, the Assistant Secretary for Fair Housing and Equal Opportunity determines whether, "on_ its face," the State or loca law provides rights, .procedures, ,remedies anal judicial review provisions-that. are substantially equivalent to the federal Fair Housing Act. An affirmative conclusion that the State or~ local law is 14 www.hud.~ov/fairhousing is State.of Florida, Civil Rights Statutes, Title XLIX, Chapter760.2 - 28 substantially equivalent on its- face will result in HUD offering the: agency interim .., certification.. Interim certification is for a term ot` hree years: _An agency must obtain interim certification prior to obtaining certification. In the second phase, the Assistant Secretary. for Fair Housing and Equal Opportunity .determines whether,. '°in operation," the State or local law provides rights, procedures,remedies and the availability of judicial review that sire. substantially equivalent to the federal- Fair Housing Act. An affirmative conclusion that the State or local law is .substantially equivalent both on its -face an,d in operation wlll result in HUD offering the agency certification. Certification is for a -term of five years. During. the five years of certification, the agency's ability to maintain certification wi11 be assessed;; After the five years of certification, if the . Assistant Secretary determines that the agency still qualifies for certification, HUD will renew the agency's certification for another five.years. ~~ Substantially- equivalent agencies are eligible to -participate: in the Fair Housing - Assistance Program (FHAP). FHAP~ permits. HUD to use the services of substantially equivalent State and` local agencies in the enforcement of fair housing laws, and to reimburse these agencies for services that assist in carrying out the spirit and letter of . ~ the federal Fair Housing Act. While certification :results in a shrift in fair housing enforcement power from the federal government to the State or locality; the substantive and procedural strength of the federal Fair- Housing -Act is not compromised. Prior to certification, an agency must demonstrate to HUD that it enforces a law that is . substantially equivalent to the federal Fair Housing Act. When HUD receives~a complaint and the complaint alleges violations of a State or local . fair housing law administered by an interim. certified or certified agency, HUD will generally .refer the complaint to the agency. forinvestigation, conciliation and enforcement. activities. Fair housing professionalsbeing based in fhe locality where fhe ~, alleged discrimination. occurred benefits all parties .to a housing discrimination complaint. These individuals often have a greater familiarity with local housing stock and are ~in closer proximity to the site of the alleged discrimination, offering greater .efficiency in case ,processing. Local Miami-Dade County: The Civil and Human Rights Ordinance16 is codified as Chapter 11A of the- Miami-Dade. County Code;. as ~~ amended. The ordinance prohibits discrimination against any person. in Miami-..Dade County in ~ the area of -ernployrnent, - ublic accommodations, credit and financin -p g practices, and housing accommodations on the basis of race, color, religion, ancestry, nafional origin; 'age, sex, pregnancy, . -disability, marital status, familial status or sexual orientation. The Miami-Dade Commission on Human Rights {MDGHR}.is a quasi-judicial as well as an advisory board charged with the enforcement of~Miami-Dade County's civil and human rights ordinance. After the filing of a formal complaint of discrimination, .the ~MDGHR conducts an investigation into the alllegations raised in the charge. The invesfigation may entail the . taking: of testimony from the- parties and witnesses,. the inspection of documents, -site visitations to the respondent's facFilities .and fact-finding conferences. During this 16 Miami-Dade County Ordinance No.90-32, Chapter L1A, Article II . 29. process, early resolution is~encouraged through settlement agreements. If the charge is _ not settled, the MDCH~R issues a recommended determination of Probable cause or no ..probable .cause.. Any of the parties ~ fo an investigation may appeal -the staff's determination to the members of the MDCHR at a public hearing. The board members; - ' . who may.meet in hearing panels-of three or more., .may uphold., modify or overturn the ~. staff's, determination-. After a finding of discr-iminatian, the chairperson, with the approval of a quorum of 'the members, issues and adjudicative ~ final- order including, but not . limited to; 1) hir-ing, reinstatement or promotion, .with accrued seniority and benefits, and with back pay; 2) taking affirmative .action and making corrections; 3} requiring reasonaable accommodations; 4) awarding costs and attorney's fees. to a prevailinng party;, and 5) awarding and other .:quantifiable relief to a prevailing complainant for injuries incurred as a result of an act prohibited by Chapter 11A. Unlike the .state fair -housing. law,. the Miami-Dade County ordinance currently does not . have ,-substantial equivalency certification from U.S. HUD. The ordinance was designated as~ substantially equivalenf in ~ 1983., but has since lost the .certification. ~, Substan ia1 equivalency certification results in housing discrimination cases having the benefit of State or local complaint processing,. At the same time, the process assures that the substantive and procedural strength of the federal Fair Housing Act. will not. be . ~ compromised. - City of Miami Beach: the City's Human Rights Ordinance codified in Chapter 25A prohibits discrimination in employment, housing, and public accommodations and promotes said opportunities without regard to race, color, national origin, religion, sex, sexual orientation, handicap, marital status, familial status, or age; providing for exceptions, establishing admministrative procedures for enforcement, providing for repealer, providing for severability, and providing for an effective date.. The Ordinance - was approved on October 29, 1992.. The administrative authority resides with the City Manager or his or her designee. The,City Manager also appoints a mediator to act as a neutral third party to encourage and. facilitate..the~ resolution of any complaint filed . pursuant to-the regulations within the Ordinance. If mediation fails, the complaint is referred to an independent counsel selected by the Chief Special Master. If the counsel fiends reasonable cause to believe a violation has occurred, he or she shall submit the. complaint to a Special'Master for the purposes of conducting a hearing. The Ordinance does include an Additional Remedies section that- states "nothing in this chapter shall be deemed,to modify., impair, diminish; limit or otherwise affect any right or remedy otherwise conferred by local, state, or federal law." Private - Housing Opportunities Project for Excellence (HOPE), lnc. is a private, :non-profit fair -housing organization whose :mission is to fight housing ~discrirnina ion in IVliami-Dade . and 'Broward Counties and to -ensure equal housing opportunities throughout the state of Florida. HOPE was.: created by the Dade .County Fair Housing and .Employment 30 Appeals Board (ow the Miami-Dade County Equal ~ Opportunity .Board - MDCEOB) - utilizing funding from HUD's Fair Housing Assistance Program, Type II grant. The - organization has been engaged in testing. for fair housing law violations, pursuing - enforcement of meritorious claims and carrying .out fair housing education and outreach and counseling programs designed. to prevent and eliminate discriminatory housing practices in. Miami-Dade and Broward :Counties for twenty (20) years. Incorporated in 1'988, HOPE, Inc. has been an effective catalyst in fair housing education and .outreach and the investigation and preparation of housing discrimination complaints for resolution or litigation. , HOPE's Private Enforcement Initiatives are primarily funded by grants from US HUD's Fair Housings Initiative Program (FHIP). The main components of the initiative include: in ake for complaint- processing or referral, testing and. additional investigation, where appropriate, anal supervised referral of enforcement proposals (complaints that have been reviewed for jurisdiction by applicable fair housing laws, supported with credible and legitimate evidence) for enforcement action. HOPE, Inc. is the only entity in Miami=bade and Broward counties engaged in "testing"~. Testing is a controlled method for measuring and documenting whether differences in the quality, content, and quantity of information and services are given to various home seekers by housing providers. Testing is an effective and accurate tool in identifying policy or procedural oversight or infraction that may, require corrective action. Forlitigation, or settlement of housing discrimination cases., HOPE, Inc. enlists private law firms and' attorneys to contribute their services, on a pro Bono bases. 1Nhile governmental entities/agencies-represent the public interest, private fair housing groups are able to advocate for .the individual interests of victims of housing discrimination. There, is, no cost for legal representation or for .any. other service provided by HOPE to persons complaining of housing discrimination. ~ . Agencies with substantial equivalency certification are eligible for funding that can be used to partner with private. fair housing. organizations. Such funding was once utilized by Miami-Dade County to create HOPE, Inc., a private fair housing organization that .has implemented .a wide range of crucial services for diverse constituencies and has been instrumental in the recovery of nearly $9 million in settlements .for victims of - housing. discrimination. By drawing on, the strengths of private and public fair housing organizations, .such partnerships can result in effective efforts to. combat housing discrimination. Fair 9°Iousing Implication: IVl:iami ®ade ~ounty'a Fair Housing ®rdinance has not obtainer! substantial equivalency certification from HtJD. Such certification presents nurneroa~s - advantages such. as funding availability, local ,complaint processing under a substantially equivalent law, and opportunities #or partnerships that affirmatively further fair housing. 31 ~o Informational Programs HOPE, Inc. implements the only active, on-going Fair Housing; Education & Outreach Initiative in Miami-Dade and Broward Counties. The Miami-Dade County Initiative is funded, in significant part by four, ~of the six; Entitlement Jurisdiction's located in Miami- Dade, County (Miami-Dade County, the Cities of Miami, Miami Beach., .North Miami) utilizing~Community:Development Block~Grant (CDBG) funds. Generally, -private fair housing organizations like HOPE are betfer equipped to reach local communities and' marginalized people through continual outreach and partnerships with both secular and religious grassroots organizations. The organizations have the established reputations: and private status that promote greater trust from local. corrimunities. Major Objectives .Provide educational materials, seminars and working. sessions regarding protected classes and :prohibited practices under federal, state, and local fair housing laws; Provide comprehensive. fair housing. services while seeking to identify illegal housing practices in the .areas of rentals, sa es, mortgage/lending, insurance, and advertising; Assist. Entitlement- Jurisdictions in implementing Fair Housing: Action Plans that are - :designed to eliminate identified impediments to Fair Housing Choice and to meet . Consolidated Plan .,requirements to Affirmatively Further Fair Housing; Conduct Private ..: Housing Industry ,Provider Education Programs designed to furnish developers, real ..estate .brokers.,. property managers, financial institutions, and the media/advertising` industry. with the most current information necessary to fully comply with fair housing laws, Community Reinvestment Act regulations, and affirmative marketing requirements. . . All programs are tailored to .meet individual organizational needs. .Public Housing Authority and Not-for.-Profit Community .Development Corporation Workshops provide technical assistance to ensure equal housing opportunities for all protected classes and the elimination of, institutional barriers to decent, affordable housing. The overarching - objective of these activities is to assist communities to develop.a coordinated strategy of actions to affirmatively further , -fair housing. Legal . Community Sert~inars offer . ~ practitioners training _ in fair ,housing Jitigation skills. Community and Civil Group ~~ Education Sessions are implemented to ensure that the general public anal protected classes. become knowledgeable about fair housing laws and the means available to seek redress .for fai ~ housing rights violations. Media Campaigns inform the public regarding .the fair housing services made available by HOPE; .Inc. utilizing any combination of ,public service announcements, print ads, signs/billboards, and the media.. The Discrimination, telephone Help Line provides informs#ion regarding fair . ~ housing issues, referral services for victims of discrimination to file complaints and seek redress, and affordable housing and other. housing related referrals. .HOPE publishes and .disseminates a fair housing newsletter quarterly (circulation of 3,500) highlighting national, statewide, and Local fair housing news, and conducts national Fair Housing `Month activities,. in April annually. 32 i C. Lending -Policies and Practices - Historically, different ethnic and, racist groups have encountered barriers to full access - to home rnortgage~ lending.Typically, these barriers were identified by higher rejection r and failure rates for loan applications. A study by the Center for Responsible lending - found that borrowers of color were more than 30 percent more Likely to receive ahigher- rate .loan: than white borrowers,. even after .accounting for differences in risk. " Overall, 17.8 percent of white borrowers were given higher.-priced mortgages when borrowing . from large banks in 2006, yet 30.9 percent of Hispanics and a staggering 41.5 percent of African Americans got higher-priced mortgages. Only 11.5 percent of Asians got . higher-priced mortgages. - The National Fair Housing Alliance reports that the subprime lending and foreclosure crisis has led to increased mortgage .lending discrimination. NFHA points to the increased lending complaint numbers received from fair housing agencies. In total, 1779 complaints of mortgage lending discrimination were filed across the nation in 2008.18 Private ,groups reported 1,499 complaints of mortgage lending discrimination in 2008, . up from 1,245 in 2007; FHAP agencies reported 220 complaints and HUD reported 60 fair lending complaints. ~ - - The issue, of fair lending also-goes beyond federally protected classes.. Although :. -, subprime lending is designed ~to open homeownership opportunities to persons with less .than perfect credit,: in ctuality, low-risk borrowers from various economic brackets are . beng.driven towards higher-priced mortgages. The Center for American Progress reported ,that in 2006, 14.1. percent of households earning .more than twice the area's median income; nea rly all of whom reported six-figure incomes, were given higher- - priced mortgages. In the same year, the Wall Street Journal conducted an analysis F -that showed 61 % of subprime loans were sold to .persons .with good cred.it.20 In .other instances, ethnic and minority groups have been steered to government- insured FHA (Federal .Housing Administration) loans when they could have qualified and benefited ~ from conventional loans in the private market. The Federal National Mortgage~Associafion (Fannie Mae) and the Federal Home Loan Mortgage Corporation - ~ - 17 Debbie Greenstein Bocian, Keith S'. Ernst and Wei Li, "Unfair Lending: The Effect of Race and Ethnicity on the Price of Subprime Mortgages:" Cerifer for 15. Responsible Lending, 2006. Accessed at htto:%/www.resbonsiblelending.org/issues/mortgage/research/page jsp~itemID=29371010 '$ National.Fair Housing Alliance, "2009 Fair Housing Trends Report." Accessed at: http://www.nationalfairhousin~.or~/Portals/33/2009%ZOTrends/2009%20Fair%20Housin~%20Trends%20Report pd f is Andrew Jakabovics and Jeff Chapman; "Unequal Opportunity Lenders? Analyzing Racial Disparities in Big ` Bunks' Higher-Priced Lending." Center for American Progress, 2009. Accessed at: . , ~ http://www.amercannro~ress.or~/issues/2009/09/tarp lending html 20,-Rick Brooks and Ruth Simori, "Subprime Debacle Traps Even Very Credit-Worthy As Housing Boomed;. Industry Pushed Loans To a Broader Market." Wall Street Journal. Accessed at: ~ - http://onIine.wsi:com/article/SB 11'9662974358911035 html . - 33 {Freddie Mac), the two federally-chartered secondary .market enterprises that stimulate the mortgage markets by purchasing loans:, are charged by the government with reaching specific goals for serving .both affordable and minority housing markets with . conventional loans. This indicates the, clear policy goal of reaching as many borrowers as ;possible through private conventional markets., As the market of sub-prime. wending "has grown, studies by the U.S. Department of Housing and Urban Development .and other researchers, as well as many lawsuits, -: have raised th.e concern that ethnic and racial groups have been unfairly steered to these higher interestrate products when they could have been served by either conventional prime loans or FHA lending. Thins, the key. concerns .presently raised ~. ~ about barriers to fair. lending :include. both. the impediments to access to conventional pridarne loans and the infusion of- FHA and. sub-.prime lending into minority markets. . Accordingly, this analysis of barriers to full access to mortgage :lending focuses on the issues of access~to conventional prime loans and steering to FHA and sub-..prime loans in both the horse purchase and refinance markets. During the recent housing boom, typical mortgage fraud scams, consisted of a team of . mortgage professionals often including attorneys, mortgage brokers, and appraisers. ~: They would pay stand=in buyers and use their identities to get mortgages for the purchase of over-priced properties.. Oftentimes, payments on the .loans and the homes would not be-:made and they would. soon enter foreclosure. According to the Federal Bureau of:Investigations, Florida ranks number one in the nation for mortgage fraud. Miami-Dade County also leads the state in fraudulent loans.21 The Miami- Dade Police Fraud-Task Force cited a 30 .percent county-wide rate . of mortgage fraud in 2008. This-heightened local threat increases the potential for further foreclosures. ~, A total of 218 people .in Florida have been charged with participating in mortgage fraud - schemes resulting in nearly .$300 million in bogus mortgage 'loans, since the task force's formation.. The ,FBI is investigating 2,100 .cases nationwide.22 21 "2007 Mortgage Fraud Report." Federal Bureau of Investigations. Retrieved at: http://www:fb.~ov/nublicatioris/fraud/mortaa~e fraud07 htm~bcsi scan- 4084CSAB3DBD951A=0&bcsi scan file name=mort a e - fraud07.htm - -- aZ Miami-Dade Mortgage Fraud` Task Force. Retrieved at: http://www.miamidade. o~v/mayor/mortaag_e fraud asp . _ 34 .. 2007 Flotne Lending Analysis for fVliami beach, FL This analysis covers 2007 lending data .for the City of Miami Beach.. The data used in this analysis are based on .home purchase and refinance loans for single-family homes in .2007 as reported. in the Horne Mortgage Disclosure Act (HMDA).data. These are the most recent years of HMDA data. available. The HMDA is a federal law that generally requires all but °the .very smallest home lenders to report information on their home loans. This information includes the .race of the applicant(s),, the ,income of the applican (s}, the amount of the loan, the purpose of the loan, the type of loan (FHA or conventional, etc.), the; loan application decision, and the census. tract location of the . . ~ 'home being financed. ~ , The data provides percentages of all loans that are F'HA loans, the percentage of all . conventional loans,. and .loans considered "High Cost" that are identified as likely to be subprmme. Theis addendum-provides data on the number of all. loans in`the City of Miami Beach that are FHA/FHS/RHSNA loans and conventional loans for 200,7 (Addendum 1). Other data. includes 2007 FFIEC census report data showing fhe percentages of minority populations for each of the City's census tracts (Addendum 2). Finally; .data from the 2007 ~ HM"DA .report is provided' to show the owner-occupied home purchase - loans by race and high cost versus .non-.high. cost loans (Addendum 3). - Census tracts are defined as within: Miami Beach if more than 50% of the area of the -~ census tract is within nlliarni Beach or if the geographic center of the census tract is - within Miami Beach.. Addend ms-1 and 2 lists the census tracts in Miami Beach. Map #1 shows the census tracts that are defined as within Miami Beach. Market Share Analysis of AlI Single Family Lending in Miami Beach The share of~high-cost loans originated to Hispanics and African-Americans was greater than .for White non-Hispanic borrowers.: Current HMDA data shows 46% of B1ack/African Americans and 39% of Hispanic borrowers received loans that were likely - ~ to be subprime. Whereas, Whites received only 32%. of these same .loans with the City of Miami Beach.: Census Tract Disparity Analysis in Miami Beach ~ - HMDA data.~also shows low African American homeownership numbers within Miami beach: Only fifty=six African American families purchased homes within the City during 2007, whereas 1,347 White families and 1,.194 Hispanic families also purchased homes. 1'o anal ze the se re ation within the Cit of Miami Beach this ,analysis uses the . . Segregation Dissrmilarity. Index; that measures the evenness with which. two groups are distributed across the com orient eo ra hic - . p g g p parts. of a large area. The Federal Financial Institutions Examination Council Summary Census Demographic Information . provides both :the tract populations and minority .percentages for each of the City's tracts. Based upon the Segregation Dissimilarity Index, neighborhoods with. 65% or 35 1 more disparity are considered to: have a "moderately high lever of segregation."23 The .~ FFIEC Census Information from Table 2 shows 6 out of 14 or 43 percent of Miami Beach tracts to have moderately high levels of segregation. This table also indicates a high ~dispar~ty of income between the- census tracts having high and .low minority populations. The majority of homeownership opportunities for minorities and the majority of home purchases occurred in- moderate-level- census tracts with high minority populations. Current tract data shows high levels of segregation .and income disparities within the City.- ~ - - Fair. Housing Implication: : Disparities .ire lending .practices indicate a need. for industry training in Fair Housing and Fair Lending Taws and consumer education regarding lending . ~ processes and avoiding abusive practices. ~-ction:. 1. ~fiiiliami beach will continue to encourage informed lending practices through support of homebuyer workshops and fair housing outreach. 2. ~llami beach will continue to distribute .fair housing brochures to local lending agencies. . ~.. ~ Housing, Neighborhood Revitalization, Transportation--fVeeds and Obstacles - (City of. Miami. Beach Consolidated Plan .2.006-2012) .The -City of Miami Beach experienced a tremendous .increase in housing .prices and rental rates between 2000 and 2006, as well as, a high percentage of condo conversions that reduced the- availabifiity of affordable housing fora the community-at- large and for its aow to moderate income residents .particularly... These factors, coupled .with the developing pressures from the foreclosure crisis have and will continue to make affordable housing ~a difficult issue to address with limited funding. In light of these . facts, the ~ City will need to be innovative and- leverage partnerships to maximize its ability to implement various housing programs. The City: of Miami Beach. Office of Real Estate,..Housing and Community Development u#ifizes the grant funds. it receives from federal and state government sources to aid in the development of a viable urban. community. The primary objective .of this department is to provide decent housing, a suitable living environment and the expansion of economic opportunities for the neediest. The Department serves the City's very low, low and moderate income :residents . by carrying out a wide range of community : 23 "Racial ResidentiaZSegregation Measurement Project" University of Michigan's Population Studies Center; Available at: http://enceladus.isr.umich.edu/race/set html 36 development housing. activities such ~ as Homeownership Assistance, .Housing Rehabilitation and Emergency Housing Rehabilitation. .The Hou ing 'Rehabilitation Program utilizes Federal and State funds. The following Statutes and Regulations govern the program and are the source of the policies in this - document. CDBG Program (Community Development Block Grant: - Federal Statute: Title 1- The Housing and Community Development Act of 1974. 42 'U.S.C.-5301• Regulations: 24 CFR 570 SHIP Program (State Housing Lnitiative Partnership): , Florida Statute: Chapter 420.907 - Reguiations: Florida Housing Finance Corporation Rule Chapter 67-37 Housing Rehabilitation Program . The prograrm .provides forgivable loans to low income homeowners in the City of Miami Beach. on afirst-come,. first-served, first-ready basis to make necessary repairs to their properties. Emergency Rehabilitation Program . The Department will :provide a forgivable loan for the intent to remedy an Emergency Condition than are of eminent danger to household members. The terms will be the same as those for the Rehabilitation Program. Disaster Recovery Program . . .The Department will. provide a forgivable loan to remedy any damages caused by the 2005 Hurricanes or ~to harden the home for impact from. future hurricanes. Homeownership Assistance P-rogram Simi ar to rental development, there are a wide variety of homeownership programs. Most offer either direct assistance to the homeowner or land and financial. contributions to the developer. Assistance can be in the form of a granf or a loan. Some of the more common programs offered inFlorida include the State. Housing Initiatives Program (SHIP), Florida- Housing Ownership Assistance Program (HAP), Predevelopment Loan Program (PLP) and Community Workforce Housing Innovation Pilot Program (CWHIP). Additional subsidies are also offered through the private sector and local government entities. .While homeownership programs provide assistance.- for low.., moderate .and, in some instances, workforce housing, they are not. generally considered part of the assisted housing inventory. This is d'ue to the fact that in the absence of .resale restrictions, many of the affordable owner-occupied units are quickly lost o the market. ~. ~ 37 . _ .. Miami-Dade. County is the only county in Florida with a .local Documentary Surtax Program for affordable housing. Established in 1963, the surtax collects $0.45 on every $100 of recorded commercial property sales. The funds are used for. a wide-range of housing programs that assist both rental and homeownership projects. Over five years (2001-2006),. $99.4 million in .surtax funds supported' the construction or rehabilitation of - more. thane 9,400 affordable housing units in 103 ..projects. An additional 5,1,97 units are currently under construction in the County. The City is able to access these funds to build local. affordable housing .projects: The City of Miami Beach has also targeted -funding from... the Miami Beach Redevelopment Agency (RDA) for affordable, and workforce housing {0-120% AM`I). To date, .the RDA has invested $13 million to purchase and rehabilitate three residential buildings; Barclay Hotel, .the Allen and London House. .There are a~ total of 161 units in the- three .buildings. The rental . ~ - .. development wi11 be managed and maintained by the. IVliami Beach Community ~- Deve opment Corporation: The MBCDC indicated there.. was a strong. demand. for two and three bedrooms in Miami Beach..According to a survey conducted by the MBCDC, only eleven- percent of the, City's affordable housing stock is comprised of two or three bedroom units. Some of :the .units will. be reconfigured to two or three bedrooms. The reconfiguration would allow for an~ increase in-the, amount. of people being served by - _ affordable~family housing. The City is also partnering with. Mount Sinai Medical Center on a housing development . .for their workforce. They received a $5 million grant from the Community Workforce Housing Innovation Program. - Partnerships Approved Lending Partners . ~~ The Department of Community Development partners' with several local lenders. Homebuyer. Counseling Agencies The U.S. Department of Housing and Urban Development has approved several. , : agencies located in ~ the City of Miami - Beach ~ to provide various. types of counseling services toCity. Residents. These services include ,but are not limited to Homebuyer Education Courses, 'Money Debt Management, Post Purchase Counseling and Predatory Lending: Transportation . In 1960,, the.: then Dade County Commission .passed an ordinance to create the Metropolitan Transit Authority (MTA). Over the years, and under various administrations, . ~ .: MTA evo'Ived into the Metro-Dade Transportation.. Administration, the .Metro-Dade ~ . Transit Agency, the Miami-Dade* Transit Agency, and now known as the Miami-Dade = ~ Transit (MDT). Miami-Dade Transit. is the:, second :largest. department in Miami-Dade County :government; the 16th largest public transit system in the USA, and the. largest . transit agency in the state, of Florida..MDT serves the residents and visitors of Miami- Dade County and its 32 municipalities. MDT's more than 2.,700 employees operate and' . 38 maintain the system's vehicles, tracks, stations and other facilities, and provide essential support services. Trains arrive every six minutes during weekday peak hours; every. 15 minutes during weekday midday hours, and every 30 minutes after 8 p.m. on weekdays, Saturday, andSunday. Weekend service runs every 20 minutes before 8 p.m. Today, MDT has a viable four-mode system -Metro-bus, Metro-rail, Metro-mover, and Para=transit: These systems are used by nearly 300,000. passengers daily. It has 586 40-ft. anal: 60-ft. buses, 129 minibuses, 17 vans and 63 minibuses/vans; 21 miles of elevated heavy rail, 21 stations, 84 routes serving all of Miarni-Dade County., .plus Park & Ride .services, to pecial events and lifeline services; all routes are wheelchair accessible; Service is provided 24 hours a day on some bus routes. A new :.report released by the Surface Transportation •Policy Project (STPP), .Transportation and the American Dream, finds that families are spending more than half of their incomes on transportation and housing costs combined. Low incomefamilies are-the hardest hit, wifh one-fifth of households -with fhe lowest incomes spending 40% of their incomes on transportation alone. As families know, housing and transportation costs are intrinsically linked..- Rising housing costs` mean that families are forced to move farther away from jobs to find housing they can afford, raising their transportation expenses -thereby. making families even more dependent on their personal automobiles. At the same. time, rising transportation costs mean that families have less to spend on~ housing. For families who rent, a strained household budget can mean having too little left. over to afford other necessities, being forced, to choose. substandard housing, or in the most extreme cases, :being forced into homelessness. F~u:rther, high transportation costs can limit families' ability to move-into homeownership. Owning one or more au omobiles drains money from family budgets, leaving little left to invest in the :purchase., of a home. or in other savings. On the other-hand, when families own their homes, -they build equity in an investment that can be expected to appreciate over time. - ..Table 1`3:,COMMUTING TO WORK • Workers 16 years and over ~ 39,868 ~ 100.0 'Car,'truck, or van --drove alone 23,190 58.2 Car; truck, or van -- carpooled ~ • - ~ 3,815 9.6 Public transportation (including taxicab) ~ ~ ~ 4,556 11..4. Walked _ 4,113 10.3 Other. means 2,048 5.1 1Norked at home _ 2,143 5.4 Mean travel time to work (minutes) ~ 25.6 (X) The location ofexisting and new. rental production is particularly relevant as proximity to job cen#ers and public transportation is vital. to a workforce that is principally comprised of low- and moderate=income households, Theis fact will impact residents mainly in areas with the largest "low and moderate". income housing demand. The Metropolitan Center at Florida International University's 2008 Housing Needs Assessment named unincorporated Miami-Dade, Hialeah, Miami Beach, and Miami as 39 . .having the largest housing demand for low to modera a households.24 South Florida's , .. , inability to deliver premium commuter rail service will confinue to drive. up transportation ; costs for workers and exacerbate the spatial mismatch: between job centers and resident worker living locations. ., _ E: Public and Assisted Housing. . PubOic~ 8-lousing (City of Miami Beach Consolida#ed Plan 2006-2011) . ~ :Housing Authority of the City of IVliami beach . The ~ Housing Authority of .the City of Miami Beach (HACM'B) operates as an . ~ independent housing agency with five=member Board of Commissioners appointed by .the City of Miami Beach. The mission of HACMB is to provide (hose in need with quality, affordable housing in economically mixed settings while promoting resident self- sufficiency and fostering strong neighborhoods. - Currently, the HACMB.oversees the City's public housing anal private rental housing .- (Section 8) programs. In 1975, the HACMB constructed Rebecca .Tower South, a thirteen-story elderly designated Public Housing building with 200 unifs (120 efficiencies and. 72 one bedrooms, and. 8 two bedrooms). The following year, the HACMB completed Rebecca Tower. North; athirteen-story elderly designated Section 8 IVew Construction building constructed with 200 units . (120 efficiencies' .and 80 ~ one bedrooms). HACMB also owns a'-historic three-story building at 211 Collins Avenue. . ~ The 16 units (1 efficiency, 11, one bedrooms, 4 two bedrooms)_are rented to Section 8 Housing Choice Voucher holders. In all, the HACMB administers 2,508 Section 8 vouchers. Improvements to Housing Authority .. The HACMB recently completed its 5-year strategic plan and identified the following key goals:, to expand the. supply of assisted housing, improve the quality of facilities, increase assisted housing choices, promote self-sufficiency and ensure equal opportunities. To achieve. their. goals, p' 9 the HACMB is develo in 51 new units for the elderly, rehabilitating a five-unit historic building, renovating Rebecca Towers, and improving Homeownership and family Self=Sufficiency programs. In accordance .with. their Section 504. needs assessment, HACMB- is also updating Rebecca Towers to be ADA compliant. . . There are several renter-occupied housing developments within. the City of. IVliami Beach ,using federal., ~ state. or local subsidy programs. According to the inventory of ,. 24 cc 2008 Miami-Dade County Workforce Housing Needs Assessment." Florida International University's . Metropolitan Center. Retrieved from: lion://media.miamiherald.com/smedia/2008705/06/I6/MiamiDadeHousin~STUDY Draft6 OS 02 08aource.prod affiliate 56 pdf 40 assisted rental housing compiled 'by the Florida Housing Data Clearinghouse, the City of Miami_ Beach has 1,857 rental units ,that have received some type of government assistance. The Consolidated Plan notes that the data included in .the table below underestimates the total number of assisted housing in :MiamiBeach. Firstly, only rental dousing is considered., Secondly, housing created from local funding ,sources, such as the Surtax Program, has not been added. A majority. of the MDHA units in the City of Miami Beach are dedicated to the elderly, as i dicated in the table below. Source: Consolidated Plan TA~~E 14 IVIDHA HOUSING " U6VIT'S IIV MIAMI BEACFI ~ ~ " . POPULATION ~ ~4SSISTED:~ TOTAL Elderl 1.,580 1,:582 Famil 27 27 Elderl /Famil 44 54 Homeless 164 164 Disabled. 42 42 TOTAL 1,57 1,869 " Of the 1,,857. assisted units, up to;1,528 are in danger of being lost in the next five years . to contract eupiration and expiring affordability periods. Still, many ~ contracts .are renewed on an annual basis and the Consolidated p an notes that it is likely. that many of these affordable units will not actually be lost. According to IVIDHA, the physicalcondition of the units at the present time is good.. The units are inspected, ranked and scored annually ~by the contract .inspectors for US "HUD ~. and by the Real Estate Assessment Center. The scores represent the conditions found " at the property regarding exterior building,.site conditions, comr-non areas, and health and safety findings of the i'ns;pection-team. - IVlaintenance and repairs needed are completed to meet Housing Quality Standards established by US HUD. There are other local and federal: regulatory standards $hat have to be met for the annual _recertification of the units and continued occupancy by residents within the housing program. Certified staff provides " property management, inspections, maintenance, andemergency response (i.e. hurricane preparation and recovery efforts) to ,the properties. " Contract services are .also, uai ized to' provide support and maintenance of major equipment, including elevator 8~ generator service., lawn maintenance, domestic garbage collection-, and contract renovations. " " Persons-with Disabilities- Section 504 :~ MDHA is currently under a voluntary compliance agreement with. the Department of -Justice and US HUD for compliance with. Section 504 of the - Uniform Federal Accessibility Standards (U.F.A.S_).. This effort will bring into compliance all properties within the Public Housing. portfolio asdetermined by survey and: economic feasibility that will be certified to meet the standards and tolerances established by the Standard. . 41 The MDHA adopted a strategy in its Annual Plan.for FY 2006-200.7 to address Section 504 Needs.. The strategy is to target available assistance to families with disabilities. To do this, the MDHA wi11 carry out modifications needed in_ public housing based on Section. 504 need assessment; .apply for special purpose vouchers targeted to families with disabilities; and affirmatively market focal'. non-profit agencies that assist families -with disabilities Homeownershi . The MDHA encourages- public housing residents. to become more involved in the management of the development and to participate in homeownership through its Family Self-Sufficiency Program, The program has 483 participants, which includes both Pubic Housing and Section 8 Voucher program recipients. As of September 2005., there were .approximately 53 public. housing and 150_ Section 8 program, participants with escrow balances. MDHA has also .implemented a Section 8 homeownership program to provide Section 8 participants the opportunity to purchase a home. The housing agencyalso offers a ~, ~ " variety of homeownership programs to Low and .moderate-income families through its Development and Loan Administration Division; and New Markets Division. Programs include Surtax, State :Housing 1ntiative, HOME, and infill programs. . -F.. H®melessness ~ ~, (City of Miami Beach Consolidated Plan) . Miami Beach does not have any homeless facilities within its boundaries. However the City contributes to the Miami-Dade Homeless Trust and other homeless facilities which provide shelter on a countywide basis: The City- receives 10 beds out of the 400 ,provided. by the ;Homeless Trust. The City also utilizes $500,000 in resort funds to - purchase additional beds. at the Salvation Army (41 beds), Rescue Mission (15 beds), and Camillas~ House (as available). The Cify will continue with these efforts and the activities facilitated through the City's Office of Homeless Coordination. Priority~Homeless Needs specific to Miami Beach include: • Emergency Shelter/Transitional Housing , • Homeless Prevention . . 0 Outreach ~~ 'The City of Miarni Beach intends to support homeless initiafives and outreach efforts ~. that ~~prornote homeless prevention and the .ending of chronic homelessness by 2012. Theis includes initiatives and efforts such ~ as preventing homelessness, ,~ outreach/assessment, emergency services, transitional housing,. and helping homeless persons (especially any persons that are chronically homeless) make the transition to permanent housing and- independent living. The City will utilize the referral system and network available: through. the continuum of- case and its own Office of Homeless Coordination. " 42 The City will fund public services for homeless individuals and/or families, and/or interim assistance for the-prevention of homelessness.. There are numerous services available within the City for the homeless, the near-.homeless and service providers are encouraged to. submit proposals for CDBG public service- funding that address homeless needs in the City. ,. The Miarni-Dade County Community Homeless Plan- called for the creation of a coordinating body., the IVliami-Dade., Homeless Trust, to ensure the implementation of the Plan, administer the proceeds of the food and beverage tax and other resources identified by the Trust for the continuum, and serve in an advisory capacity to the Board of County Commissioners on all issues relating to homelessness. Created in 1993, the Trust built upon the broad-based representation of the local task force responsible for -developing the .plan and has a 27=member board that is composed of. representatives of key stakeholders in the planning and delivery of homeless housing and services in the County: As required by H-UD, .each jurisdiction must develop a local Continuum of Care Plan. The City ofMiami Beach, in partnership with the Trust, operates under the IVliami-Dade County Community Homeless Plan. The Trust serves as the lead agency implementing a countywide strategy., to serve homeless individuals and families throughout 'the community. The, Trust pools the :Entitlement Jurisdiction funds for all of Miami-Dade County to fund a wide variety of Homeless Assistance programs. The City of Miami Beach along with the cities of Miami, Miami Gardens,. Hialeah, ~ and- North Miami has . joined in partnership with the Miami-Dade County Homeless trust to provide countywide Homeless Assistance Services. .The Homeless Trust, in partnership with the City of.~ Miami Beach, bases its - determination of homeless. needs on countywide homeless census reports done twice yearly.. -The last census was conducted- in January 2009, and.. was the lowest point-in- time .census i'n the history of the Homeless Trust with 4,333 homeless .people in the County: 994 on .the streets and 3;339 in Emergency anal Transitional Housing. The countywide system of care serves approximately 10,.000 homeless men, women, and children per year, with approximately 50% placed into permanent housing as a result of a system.-wide strategy to end homelessness. . . The 2008-2012 Consolidated Plan noted that the City of Miami Beach .accounted for 7 percent of the County's total homeless population. Variances in this updated data must be con idered, since recent homeless surveys were conducted when weather .conditions likely lowered the actual count. 4~ 'Y'ABLE' 15: 1VIIAIVII BEACH ~~° ~IOMELESS CI-IAC`'TERISTICS 2008 CHARACTERISTIC ~ PERCENT SEX Male _ _ 88%~ Female. 13°io AGE Children under a e 18 0% Adults 18 to 50 69% Elderl 50 and older 31% RACE Black 27% :, White _ 72% :. Other. 1% ETHNICITY African-American 28% An to-Saxon 31:% . His anic 22% Other 19% source: iviiami-liaae nomeiess i rust ..Many. circumstances force .individuals to become homeless: They ra ge from a lack of work opportunities to unstable mental -health. However, those in greatest danger of becoming homeless include extremely ~ low-income households that are already experiencing housing prob ems. Between 2008 and 2012, it is estimated ,that this population wi11 grow from 16,211 to 16,401 households in Miami Beach,. .Priorities The City of Miami Beach has mirrored the priorities of the Homeless Trust ~ as our regional service provider. The table below, outlines the relative .priorities of various categories of homeless needs. within fhe Continuum of Care.. Activities which are .~ identified as " Mediurrl" priorities are .those which will .likely receive ~ Consolidated Plan funding if the applicable formula grants to the City of Miami Beach are .increased during - the next five years. Activities that receive a "Low" priority will not receive Consolidated Pla funding over the~next five, years without an amendment to this Consolidated Plan.. .Homeless ..Needs Funding TABLE 16: HOUSIIVC CONTINUUM ®F CARE INDIVIDUALS FAMILIES . .. FUIVDLIVG SOURCES Emer enc Shelter ~ Low Low .~ Other, Count Transitional Housin Low ~. Low ~ Other, Count Permanent Supportive Housin ~ . "Medium Medium Other, County Chronicall Homeless IVledium. Medium Other, Count A "Low" rating does not necessarily diminish the importance of these activities . or indicate thatthere is no.need for them .in.the City. Many activities that are assigned a ".Low" .priority for CDBG funding are nevertheless important needs for the community or high priorities .for other sources of funding. Some activities receive "Low" ratings if the funds that. are. potentially available under the Consolidated: Plan programs would be insufficien# to have ~.a meaningful impact on .these needs or adequately funding them would result i'r minimal. output or outcome accomplishments relative to the amount of funds expended at -the expense of`other priority programs. 44 Eachyear the Homeless Trust meets with entitlement partners to establish funding priorities for the coming: year. The City of Miami ,Beach, in partnership with the Miami= Dade Homeless Trust, established the priority homeless needs that are identified in this plan. Miami-Dade Coun y needs::831 beds to serve..the chronicaily~~homeless: The County currently has 342 .beds.,. available, eaving a gap. of 489 beds to serve this population. Tle Trust, in partnership with th8 City of Miami beach, has. given high priority to addressing -the problems with the chronically homeless population and has adopted measurable goals to~approach the. problem. C. Planning and.Zoning/building Codes (Accessibility) :. A survey composed of suggested questions from: HUD's Fair Housing Planning Guide was completed by the.. staff of :the Planning ~, Zoning and Community Development Departments. The following summarizes the information obtained from he survey: ~. ~ Planning and Zoning There are concentrations of .low- and moderate- income housing within the City of Miami Beach's geographical area. Current.zoning and other.policies and procedures have had - ~ : - ~ a neutral effect on the existence of such concentrations for the past five years. The City ,. is currently evaluating whether there- is a concentration of subsidized housing relative to neighboring areas.: ,The City considers, the .impact of its zoning. ordinance(s), building codes, and other land use ..policies on the .provision of lower-income housing to be similar to that of most other jurisdictions in the region. Zoning regulations permit medium- and high- density for vacant land that can developed within the city's geographical area and is not limited to only low-density housing {and accompanying high :cost).; The City is currently in the process of developing incentives to promote mixed-income housing development. ~ - The City's requirement for minimum. street frontage; front yard setbacks, side yard dimensions or amenities, or for offsite improvements such as restrictions on the level of density that is possible for new housing development limit affordability to higher-income households. Zoning requirements typically favor conventional single: family home site designs over cluster development. Conventional single family zoning has been in place for 50-60 years for most of the City. Building Codes (Accessibility) Florida's building code has incorporated theaccessibility provisions of the most recent edition- of the American National Standards Institute A117.1 and Usable Building and Facilities and model building codes, applicable to all jurisdictions in the state. r ,H. Role of the media. The media can be apowerful venue for promoting tolerance and awareness throughout 1oca1 communities. For. instance, HOPE, Inc., in partnership with HOT105FM', runs public ~ service. announcements reaching audiences in Miami-Dade and Broward Counties. The average weekly listening audience.is.164,500 persons. Daily averages of 78,0001isteners are exposed to fair housing public service ,announcements. \OIo C®NCLUSIONS -AND R'ECOMMEN®ATIONS A. ldentifiec9 Impediments.to Fair Housing~Choice.; Actions and Remedies ='Having completed its examination of all available data, inclusive of surveys and testing results,, personal interviews and meetings, HOPE, Inca concludes that there are five (5) impediments to fair housing choice evident in the Gity of Miami Beach and proposes the implementation ~ of ,the following work-plan to address and correct the identified impediments: Irn ediment ~ #1: Violations of .federal, state., and local fair housing laws in the " jurisdiction and immediate surrounding areas. Actions: " The City of IVliami Beach will continue to enforce local, state, and federal fair . ~ housing laws within its jurisdiction. Complaints will be fled with the -local fair housing agehcy, which is supported by the City of IVliami Beach. Lmpediment #2: Lack of awareness of fair housing laws, issues andresources Actions: " Miami Beach. wi l continue to provide information orn fair housing ~Iaws to the . general public through outreach efforts that target the above-mentioned protected classes. ~ - Miami beach will.. continue to disseminate fair housing information at local homebuyer workshops; community events, and housing-related "functions. The City also financially supports the local F-air Housing Month Luncheon event held each April. . Impediment #3; Racial disparities in fair and equal lending Actions:- . . 46 ~~ .- , The City of Miami Beach will continue to distribute fair housing materials to local lenders.. The City willalso continue to support local homebuyer workshop education that includes .predatory lending informs#ion. Impediment #4: A strongly segregated; housing market ~~ ~ . Actions: . A ~ The Affirmative Fair Housing Marketing. Plan guides ,HUD's effort to ensure that prospective funding recipients. develop and put in place an affirmative .program that will attract potentialconsumers or tenants of all minority and non-minority groups within the housing market,. regardless of race, color,. religion, ,sex, national origir~~, disability, or familial status: The City of Miami .Beach supports efforts to ensure that local owners of five or more rental or homeowner housing units are complying with these requirements. Br~pedir~nent #5: Limited funding availability for the creation of affordable housing ~oppor~unities Actions: F The Miami Beach Community Development Corporation continues to -seek purchasing and rehabilitation opportunities for residential buildings within the City.. Partnerships with local medical centers, Miami-Dade County, ~ and loca non-profit agencies also promote efforts to create further affordable housing opportunities. `s , :' ~> GAS-~L:`#1^R~ED,UCE~INCIDEN'CE OF HOUSING DISCRIiMI~t~AT1.ON~~~~73~~ '~' 4 -- Fair.Housing Activities Action/Agreement Measurable. Results Program/Staff Time Period required Responsibility f®r - Com letion Continue to provide fair. Coordinate efforts ~ Number of completed. Community housing education and with. housing providers workshops/trainings and Development outreach workshops`to to assist fair housing. number of individuals .housing providers to trainers. in accessing reached Or foster compliance with.. providers federal, state, and local ~ Sub-recipient/ fair housing laws - contractor Continue to support Partner-with local Number of complaints ~ Community ..,private enforcement of public and private fair referred and/or resolved ~ - Development fair housing laws ..housing agencies to coordinate most ~ Or , effective means of = - processing and Sub-:recipient/ referring complaints. contractor Provide opportunities for .p Identify partici ants, Increased access to housing Community fair housing .and develop- training. opportunities .funded by the Development affirmative marketing curriculum, and collect City training.. to all recipients materials to be Or receiving City funds for distributed. .. .housing related and ~ Sub-recipient/ community based ~ ~ ~ .contractor projects and monitor. compliance,.. where appropriate - - ~ ~` °'4'~ -~ d -,, , ~ - = ~ ' ~ k ~ 4 FT;~. ~ `-' ~ ' ';',: * ~'-` j :it ~•~ 'x. ~?c+_~`x .~~ ,, t x GDQL,#2;~EDtJTE THE COMMUNIi+TY~AB4UT~ ITrS R1GHmT}S.A~ND~~ E1S~P®.N R S1~BI!LI I:E~S TiO ~ ~ ~ ~'~j,~f,_-.~ tr'$'x,~" 1 R~H 0 SI~N~ u U , , ~ 1 (5,,~~ ~ 1 , , A Fair Housing Action/Agreement 6Vleasurable Results Program/Staff Time Period for ~: ~4ctivities re wired q Responsibility Completion Disseminate afair- ~ Submit PSA's in local- ~ Increased awareness Community housing media ~4 N/Newspapers, tap demonstrated' by logged. Development campaign ~ local cable number of complaints by the highlighting local, . , general public Or~ state and national fair housing news ~ Sub-recipient/ ,, ~ contractor Appoint a committee Select appropriate Formation of committee and Community , to interact with local staff; community implementation of Development media. members and reps. recommendations from housing industry Or '~ to serve on committee ~ _ . Sub-recipient/ contractor 48 _. Implement a fair Provide public ser-vice Increased number of Community housing media anfiouncements, and ' residents served. Development campaign ~ community forums on ~ public radio. and Or television (including . the City television ~ Sub-recipient/ .network} ~ contractor . Educate City Council Identify categories of Local jurisdiction awareness Community members grid City government. of fair housing laws to Development employees regarding employees who encourage identification and . responsibility to should receive fair ~ reporting or discrimination . Or affirmatively further housing training . = fair housing ~. ~ Sub-recipient/ contractor Conduct an annual Partner with other Heightened awareness of Community com"munity-wide fair jurisdictions and fair .housing rights and Development housing' event community groups responsibilities and coordinate event ~ Or Sub-recipient/ contractor .- ,, ~ ,wG,OA'L # 3a„REDUCE DISCRIMIN ATORYAND ABI'JSIVE:PRA~ C~-°TfCES~Rt~Ny~LE~N'~I~ NG~`° .. :.~~. .~: ~,t, :, ,~.t.. =~ ~'~ x~~~ T"''~ . ~,,:. l=air Housing Activities Action/Agreement Measurable Results Program/Staff Tune Period required Responsibility for Completion Reduce differences in the Examine disparities Decreased differences in Community market penetration for =and create a plan to market penetration amongst Development various racial and. ethnic rectify the differences ~ racial. and ethnic minorities areas ~ Or Sub-recipient/ contractor `.Implement a .publicity- ~ Provide public service Increased' number of Community campaign announcements, and residents served Development community forums to public radio and, Or television (including the county and ~ Sub-recipient/ municipal television contractor . channels ~ ~ ~. `l rt ' t u ': -; 6 ` . '~ ; :~, ~ i:, ,f ;.. ~~ 2 , -. GOAL #4 PR -~ ": r ~~.~ `~ ~~ , ~ .L~~ .__ . ~ ~ , ..i _ _ . ..t 5 :,mo , ~. p a '~ G- I '©MOTE INTEGRATION,,AND~~DIV,ERSIT , ~ ~ ~ ~ ~, ~Y WITH N ^T ~. ,,,~.r ~ ~ H E~`. 'C G ~,~p TAY ~F~ MIAM B~E - YT ~,~. _ H A~C Fair Flousing Action/Ag:reement Measurable Results Program/Staff Time Period for Activitiies - re ufired q Responsibility Completion Provide technical Identify .and require Training ,provided to City- Community assistance training in recipients to ~ funded recipients Development ;affirmative marketing participate in training; o recipients of contract.with local fair Or administered funds #or' housing' agency to development provide training Sub-recipient/ contractor . 49 Provide fair housing identify and Educational workshops Community trainin for cit g y coordinator provided for various Development government staff, perspective community groups community advocates,. participants and Or housing providers and contract with local fair financial. institutions housing center Sub-recipient/ contractor Provide multi- Identify locations to Increased awareness on the Community .Ian ua a format ., g g rovide worksho s p p part of residents. Development presentations to and contract with local community members fair housing center Or Sub-recipient/. . _ contractor ~ . GOAL #5: PROVIDE MORE AFFORDA=6LE HOUSING: l=air.Housing. Action/Agreement iVleasurable Results Progcarn/Staff Tune Period for Activities required Responsibility Completion Encourage housing ,Identify local housing ., increased number of Community providers to ~ providers and landlords that participate in Development participate ~in Section arrange to~ meet and the program . 8, program explain the. benefits Or of participating in the ~ " Section 8 program. Sub-recipient/ " ~ . ~ contractor Provide information ' Providetraining. or Increase in ..affordable Communit y . and'~techn'ical contracf for -housing development Development assistance on professional, services .housing development ~ ~ " „ Or programs. ~ " - • ~ ~ ~ Sub-recipient/ • contractor 'Emphasize mixed Select neighborhoods Increase in racially,- ethnic Community income housing in all. being targeted for economically and diverse Development neighborhoods ~ redevelopment neighborhoods Or. Sub-recipient/ contractor Support pre-purchase Provide training or Lncreased diversity in City ~ ~ Community counseling- programs ~ contract for Development professional services ~ . Or " : Sub-recipient/ contractor 50 51 Map of City ~. ~~ ~~ w~ ~~, ~~.~ C~TIP ~~:~ ~~. ,~ ~. ~~ ~. ~~ ~~ 52 ATTACHMENT Nome Mortgage Disclosure Act Aggregated Statistics For Year ZQO7 Aj FHA, FSArRNS F} Hon-occupant 8 VA B) Conventional D) Home E) Loans an Loans or4 Nome Purchase Home Purct4aae Cj Refinancings Improvement Dw~eilinga For 5+ < 5 Family Lawns Lawns Loans Families Dwellings I;A B C & D) Number Average Number Average Number Average Number Average Number Average N b Aver Value Value Value Value Value um er Value LOANS ORIGINATED 1 5177,000 201 5`_•1$.154 119 5310.244 9 5205,556 12 5724,500 118 5591,542 APPLICATION S APPROVED, NoT o so 52 s381,8a8 34 5310.706 1 S10.000 2 S1.532.500 23 s263,696 ACCEPTED APPLICATIONS DENIED o SO 190 5453,974 119 $443,218 11 S427.000 3 53,940,000 81 5312,086 APPLICATIONS WITHDRAWN 1 5166,000 44 S437.205 44 5376,977 4 51,000,000 4 51.288.000 17 5256.882 FILES CLOSED FOR 0 SO 15 5341.867 20 5300,150 0 SO 0 SO 8 5233,000 INCOMPLETENESS Nome Mortgage Disclosure Act Aggregated Statistics ForYear20fl7 in Miami Beach, FL,Tract0439.05 R) FHA, FSAIRH S SVa B) Conventional D} Hoene E) Loans on F}Nan-o~ocupant Loans on GI Loans On Home Purchase Ho~ f~^ bast C) Refinancings Impravemerrt Dwellings Far 5+ < S Family Manufactured Loans Loans Families Dvrellings(ABC Home Dvrelling sD} (ABCd~D} Number AVaI~ Number AV I Number A~ ~ Number N~anber A~~ N~nber A ee NuAnber A a ~ Value Valu Valus LOAI•J S ORIGINATED ` 53Z: ~•~;~ ' 4' 33' c' '~ ' 4th 53' ~,~'S ' 2 5' S_•.;i3~ 4 S,~' .~5~ F' Si~2 ~7 D Su APPLICATION S APPROVED, NOT ACCEPTED {~ $~ 4~? 5330,8r'J 47 S,2±s0.L~gt 5 .~ S4,4rJ0:7J3 ? 5 Si72.c"t17 ~ ya APPLICATIONS DENIED ,~ SD !27 5477,26D tad 53+50.272 20 4B9.TDD 0 yJ d0 S2LS.433 4 545:303 APPLICATIONS WITHDRAWN 0 50 3S 55?5.?•3F 49 52l~.DIi2 4 ~7g ~ S~'J.OaO;a T t. 53rS9.&4 D b~ FILESCLOSED FOR 0 50 t 7 5374,353 14 52+.529 3 47,333 0 Sa 41 5255:~' .a ~ INCOMPLETENE S 53 Hame Mortgage ~isc~asure Act Aggregated StatESt~cs For Peer 2007 F) Mon-occupant B) Conventiorr~al D) Home Loans on home Purchase C) Refirlancir~gs Improvement c 5 Family Loans Loans Dwellings (ABC 8 D) Number Average Number Average Number Average Number Average Va1e Value Value Value LOANS ORIGINATED E$ 51.1?$.s41 ^~ 51,2~~.i19 : ~~4~.~,'3 1t S1,»~~.r'~0 APPLICATIONS APPROVED NOT ACCEPTED 11 51,272.9x9 11 S1,240,a91 1 S2a,a00 ~ 52.~E1 SOa APPLICATIONS DENIED ~ 51,611,271 5a 5~,~37,~za 6 54a7,aao 12 5~,~~2,~00 APPLICATIONS WITHDRAWN 22 51.241,536 19 51,247,316 2 S87~,0a0 10 S1,416,1300 FILES CLOSED FOR INCOMPLETENE S S ~ 51,z2o,xao a 5474,25a o So o Sa Home N4artgageDisc~osureAatAggregated StatistECSFarYear2007 A} FHA, FSAA2H S FI Non-occupant 1! VA BI Conventional DI Homie E} Loans an Loans on Horne Purchase Home Purchase C}Refinancings Improvament Dwellings Far 5+ c 5 Family loans Loans Loans Families Dwellings {ABC b D) Number verage Number Average Number Average Number Average Number Average Number Average Value Value Value Value Value Value LOANS ORIGINATED ~ 5190,fl00 .224 Ss3i,718 14r' S"s3?,388 10 5141 v0'J 5 5980:'•00 137 5272,111 APPLICATION S APPROVED, NOT 0 59 S257,7l33 41 S223,9R7 C S1 RA,1t+7 1 s2,4R«8,a00 39 S275,179 ACCEPTED APPLICATIONS DENIED 0 180 5286,989 131 5282,573 23 S105,130 5 53,3~^OA00 128 5285,31$ APPLICATION 5 WITHDRAWN 0 44 5311,859 41 5252,043 3 5132,333 fl SJ 31 5tR.2,e78 FILES CLOSED FOR 0 8 5237,750 14 5391 A71 1 994,000 0 9D 6 S315,333 INCOM PLETENf S S 54 Home Mortgage DisctosureActAggregated Stat~at~csForYear2R~07inTract~39.08 F) Nan-occupant B} Co~tverttional D} Home E} Loans on Loans on G} Loans On Herne Purchase C} i2efinatrcings Improvement Dw~eilings For 5+ ~t 5 Family Manufictured Loans Loans Families Dwellings {ABC Hornne Dwelling 8~ D} {A 8 C rL D} N~nber verage Number Average Numtser Average Idu~er Average Number verage ~~~ Average Value Value Value Value Value Value LOAtJ S ORIGINATED 26J S404,f,45 287 S371,13€~ ~5 S1~~,34~• 1 SEA0,000 t48 Sa04;OS3 D Sa APPLICATIONS APPROVED, NOT 74 8,811 79 S389,823 8 S152,125 2 Sic,340,fl00 47 19,000 1 5110,000 ACCEPTED APPLICATIONS DENIED 218 9,083 205 5402,595 28 508,500 1 53,500,000 149 78,458 0 50 APPLICATIONS WITHDRAWN ~ 7$,783 84 S401,344 2 S3 r r ,500 D S0 4@ 53,45 ~ D SO FILES CLOSED FOR 1$ ,187 17 5353,412 1 555,000 0 50 14 93,2138 0 50 INCOMPLETENESS Home Mortgage DisclosureActAggregated Statistics ForYear~Og7%n Miami Beach, FL, Tract QQ~40.Oa F} Non-oc~ulsa.n~t B}Gonverttional D}Nome E} Loans on Leans an Horne Purchase G} Refi~n~cings Improvement Dwellings For 5+ < 5 Faanily Loans Loans Families Dwellings{ABG $ o} Number Average Number Average Number Average Ntpnber' Average Numtfer verag~e Value V alue Value Value Value LOANS ORIGINATED A8 S~.CF F,FL~ Si p se.7F,CF1 1,~. .7^'~~,.~~- V $0 4~ ~~~~14 APPLICATION S APPROVED,MOT 14 SSD7,DDD 38 5859,818 D S-1 0 ~ 15 9ts89,ffC7 ACCEPTED APPLICATION S DENIED ~ X791,887 7.7 9958,93E 11 S6$6,DDD 1 53,032,D00 41 2r8D5 APPLICATION S 111ITHDRAWN 23 5832,x39 34 51,14D,971 1 S4D,DDD D SD 21 5592,47 FILES CLOSED FOR INCOMRLETEMESS 4 S5D7,25D 8 5819.375 D SO D S€1 2 S2Q,OOD 55 Home Mortgage D~sc~asure ActAggregated Stat~stres FarYear 2007 in Zip Cade 33140, FL, Tract 0041.01 Fj Non-0ccuQan! B~ Conven#iona I D~ Home E) Loa n s on Loa n s on Home Purchase C} Reflnan~crgs In~roverr~errt Dwellings For 5+ < 5 Family Loans Loans Families Dwellings(ABC S DE Number Average Numkber verage Number Average Nurreber Average Nuktther Average Value Value Value Value Value LOANSORIGtWATED e15 S55r,753 ~©'~ 5485,19) 13 5515,84.'• d S34?,003 1,~ r S49r,r5~ APPLICATION S APPROVED, NOT t" 3 S1~55,624 4 e 5,787 3 S1,40Z+,333 1 ~5J,0~{1 4i1 S4El~! F ; 5 ACCEPTED APPLICATION S D~N~D 199 SE345,4t~7 182 3,923 12 5245,917 0 Sla 1 ~f32 5408,574 APPLICATIONS WITHDRAWN 41 5'!84,537 49 25,79!3 3 5119,000 0 90 23 S398,5~5 FILES CLOSED FOR INCOMPLETENESS 19 SE508,474 28 ,289 3 5294,88? 0 50 21 5382,429 Home Mortgage ©isclasure Act Aggregated Stat[stics For Year 200 in lUliami Beach, FL, Tract 0041.OZ B) Conwentianal F) Nan-aocupant Latina Home Purchase C) Refinancings D) Home on Lonna Irnpravement Latina c 5 Family Dwellings ~A BC&D) Number Average Value Number Average Value Number Average Value Humber Average Value LOANS ORIGINATED 81 ~1,3?,~8R ~ 9 S&x.92= 1c 51.311.SCC 4c S8u.97E APPLICATIONS APPROVED, 21 NOT ACCEPTED s9o2,47s 18 S1.o4s.4oo 4 s4a4,ooo 12 5914,417 APPLICATIONS DENIED 47 51,821,787 44 51,24a,ooo s sass,sao 14 51,sao,OS7 APPLICATIONS wrrHDRAwN 15 g2,26,0,,g67 28 S1,SS8,214 S S3,4f~S,400 B 51,208,740 FILES CLOSED FOR INCOMPLETENE S S 4 S7s8,808 10 51,382,900 0 50 p SO 56 Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 in Zip Cade 33139, FL, Tract 0{42.01 F) Mon-ooct~pant B) Cornentianal D) Home E) Lams on Loans on Home Purchase C) Refinancings Improvement Dwellings Far 5t c 5 Family Loans Loans Families Dwellings ~A B C 8 D} Number Average Value Number Average Value Number Avera ~ Value Number Aver Value Number Aver age Value L(3ANS ORIGINATED 242 5277,$94 115 5214.722 1C S11t.9CC 1 Sd2`.000 11~ S24w,~1 APPLICATIONS APPROVED, NOT 57 5268.737 32 5322,938 4 5150,000 1 S$25.Oa0 27 S358,222 ACCEPTED APPLICATION S DENIED 153 531 s, 582 92 s2s6,4a2 14 5210,643 2 54, O o9, aaa s2 5278, 581 APPLICATIONS WITHDRAWN 71 sag q$c 27 S310,519 2 S17t•,000 0 SO 29 S333,$9i FILES CLOSED FOR INCOMPLETENESS ~ 5294 g,~ 15 5261,8aa 1 55,aa1} o so 1 ~ 525x,923 Dome Mortgage Disclosure Act Aggregated Statistics For Year 2007 in IyAiam Beach, FL, Tract 0042.02 F) Non-a~cupant B) Conventional D) Home E) Loans on Loans an Eiome Purchase C) Itefinaxutings Improvement Dwellings For 5+ < 5 Family Loans Loans Families Dwellings ~A B C & D) Number Average Value Number Average Value Number Average Value umber Average Value Number Average Value LOANS ORIGINATED 111 589.C9C 1C9 5~=9,284 8 51~~,12~ 2 51.17~.CCC 1?1 5:72,779 APPLICATION 5 APPROVED, NOT 26 5356,731 34 5393,471 3 5162,333 2 S1,623.000 29 5357,$28 ACCEPTED APPLICATIONS DENIED 84 5376,536 102 S585,167 13 5430,615 3 51,851,000 94 5524,202 APPLICATIONS WITHDRAWN 31 5441,484 41 S443,488 7 5313,00.0 1 5463,000 40 S527.825 FILES CLOSED FOR tNCOMPLETENE S S 4 5$37,ao1~ 11 5477,273 o Sa a So 4 5255,Sao 57 Home Mortgage Disciosure Act Aggregated Statistics For Year 2007 in Miami Beach, FL, Tract Oti43.Q4 A) FHA, FSAIRHS ~ VA B) Conventional D} Flame E) Loads an F} Lawns on nt Nome Purchase Flame Purchase C Refinanci } ngs Improvement Dwellings Far 5+ < 5 Family Loans Loans Loans Families Dwellings (A B C & D) Number Average Value Number Average Value Number Average Value Number Average Value Number Average VJ~lue Number Avera Value LOANS ORIC~NATED 1 S22g,CCG 34C 5255,531 143 5245,643 22 S17i,53~f 3 51,28&,857 231 5249,818 APPLICATION S APPROVED, NUT 0 50 95 5345.165 56 5263.183 3 5146,667 G SC 39 5351,744 ACCEPTED APPLICATIONS DENIED 1 5195,666 307 1322,759 203 5316,684 23 5166,391 4 56 151 5358,365 APPLICATIONS WfTHDRAWN 1 5192,666 65 5356,646 58 5243,328 5 5291,406 5 5824.666 28 S39~.,857 FILES CLOSED fOR 6 S6 30 1320,567 3s 53oa,4s7 1 176,660 6 10 21 534a,s24 INCOMPLETENESS Home Mortgage Disclosure ActAggregated Statistics ForYear20U7 in Zip Code 33139, ~ Tract 004401 A) FHA. FSAfRHS & VA B) Conventional D) Home E) Loans on FlNon-occupant loans on G) Loans On Hama Purchase Home Purchase C)Refin:ncings Impravenrerrt D-vellingsFarS+ <SFamily ilanu#actured loans Loans Loans Families Dwtllings (ABC Home Dtwelling Jil D) la B C & D) Nuanber avert Number average Number Avera;pe Number Averagr Number ~ N~anber average Number Average Value Value Value Value Value Value Yalue LOAI•J S ORIGINATED S'CS.J1J 'Cb 53~-.-' ° b°- 5•'~' •`-' ' 3 5' SF :a:t: ai.:~=r:~.:;~ =4 5c~2.2b' 5y3 ~r~ APPLICATION S APPROVED, NOT ACCEPTED ~ Y,~ 3t a37+~,355 24 5232.292 3 S'. ,~" ;~~~ ~ S~ "2 5474.9' 7 3 54 APPLICATIONS DENIED 2 X12.000 98 5448,857 93 S3dtJ,OS4 !fi 5448222 ! 52.2~.'a?.? 43 1322,419 '~ $? APPLICATIONS WITHDRAWN ~ 5a 37 5420.730 2' 5320.905 S~.~rOJ 59~.0sa ' ~ 537.2 ~ ~ S: FILES CLOSED FOR 0 50 12 S31T,333 17 5251235 1 5348,0D'J ~ 5D 2 E2t2.54] 0 50 INCOMPLETENE S S 58 Horne AAortgage ©~sctosure Act Aggregated StaEistics For Year 2~7 B) Conventional Dj Home Ej Loans on Fj Dana o~~ Gj Loans On Home Purchase Gj Refinancir~s Improvement Dwellings For 5* c b Family Manufactured Loans Loans Families Dwellings (ABC Nome Dwelling ~ Dj (ABC 8 Dj Number Average Number Average Number Average Number Average Number Average N ~ Average Value Value Value Value V~ue ~ r Value LOANS ORIC~NATED 1ft$ 5228,189 118 S198,5~34 11 5122.182 1 S1.20Q00C 13i 5201.577 0 SC APPLICATION S APPROVED, NOT 45 5281,911 26 5228,077 3 5125,000 0 SO 31 5311.903 0 SO ACCEPTED APPLICATIONS DENIED 105 5275,038 102 5265,657 11 597,364 1 5120,000 78 5293,397 2 576,000 APPLICATIONS WITHDRAWN 28 5305,536 40 5371,675 2 544,000 4 53.459,750 24 5285,667 0 SO FILES CLOSED FOR 10 5271, 500 13 5224,154 1 520, 000 0 SO 7 5258,143 0 50 tNCOMPLETENES S dame Mortgage D~sc~osure Act Aggregated Statistics For Year ZOQT Fj Non-occupant Bj Conventional Dj Nome E} Loans on Loans on Nome Purchase Cj Refinancings Improvement Dwellings For 5~ < 5 Family Lonna Loans Families Dwellings (ABC & Dj Number Average u~Em~~ Average w....,r,o~ Average ~.~~~~ Average ~..,,,,,~__ Average LOANS ORIGINATED 175 raEa~a 5942.017 183 v~uC S9F9.2a6 1C YaVU~ 5593.300 1 Value 51.890.000 169 Y~61C S9~C.C77 APPLICATION S APPROVED, NOT 55 5871,073 53 5710,528 3 559,333 0 SO 42 51.094,429 ACCEPTED APPLICATIONS DENIED 11a 51,a35,s09 13s 5923,147 3 52,38fi,667 0 50 88 5972,375 APPLICATIONS WfFHDRAWN 31 51,193.96$ 48 5938,021 3 51.496.667 0 SO 28 51.186.321 FILES CLOSED FOR INCOMPLETENE S S 11 5994,0{}0 14 5947,429 1 548,000 0 50 14 51.196,071 59 ATTACHMENT State: 12 -FLORIDA (FL) County: 086 -MIAMI-DADE COUNTY Tract: MIAMI BEACH 60 2007 FFIEC Census Report -Summary Census Demographic Information ATTACHMENT 3 High-Cost, Owner-Occupied Home Purchase Loans by Race, 2007 ~' Place County Race High- Non-High Cost or Cost Unknown Miami Miami- American Indian/Alaska Native 1 Beach Dade Miami Miami- Asian 5 16 Beach Dade Miami Miami- Black/African-American 26 30 Beach Dade Miami Miami- Native Hawaiian/Other Pacific Beach Dade Islander Miami Miami- White 442 905 Beach Dade Miami Miami- Not available 27 gg Beach Dade Miami Miami- Not available 4 Beach Dade Notes: Shows loan applications resulting in loan origination only Sources: Home Mortgage Disclosure Act data 2007 High-Cost, Owner Occupied Home Purchase Loans by Hispanic/Latino Ethnicity, 2007 y `% Place County Ethnicity High-Cost Non-High Cost or Unknown Miami Beach Miami-Dade Hispanic or Latino 476 718 Miami Beach Miami-Dade Not Hispanic or 211 843 Latino Miami Beach Miami-Dade Not available 35 174 Miami Beach Miami-Dade Not available 2 50 Notes: Shows loan applications resulting in loan origination only. "High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and the rate on Treasury securities of comparable maturity. For first-lien loans, the threshold for reporting is 3 percentage points above the Treasury security; for second-lien loans, the threshold is 5 percentages points above the Treasury security. The "High-Cost" category is intended to flag loans that are likely to be subprime. See http://www.federalreserve.gov/newsevents/press/bcreg/bcreg20060403a1 pdf Sources: Home Mortgage Disclosure Act data 2007 61