2016-29364 Reso RESOLUTION NO. 2016-29364
A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE
CITY OF MIAMI BEACH, FLORIDA, APPROVING AND ADOPTING THE
CITY OF MIAMI BEACH LOCAL HOUSING ASSISTANCE PLAN (LHAP),
ATTACHED TO THIS RESOLUTION, FOR THE STATE HOUSING
INITIATIVES PARTNERSHIP (SHIP) PROGRAM FOR FISCAL YEARS
2016/2017, 2017/2018, AND 2018/2019, AS REQUIRED BY THE STATE
HOUSING INITIATIVES PARTNERSHIP PROGRAM ACT,
SUBSECTIONS 420.907 - 420.9079, FLORIDA STATUTES;
AUTHORIZING THE MAYOR AND CITY CLERK TO EXECUTE THE
NECESSARY CERTIFICATIONS; AUTHORIZING THE ADMINISTRATION
TO SUBMIT THE LHAP TO THE FLORIDA HOUSING FINANCE
CORPORATION (FHFC) FOR ITS REVIEW AND APPROVAL;
AUTHORIZING THE APPROPRIATION OF SHIP PROGRAM FUNDS FOR
FISCAL YEARS 2016/2017, 2017/2018 AND 2018/2019, IN AMOUNTS TO
BE DETERMINED BY THE STATE OF FLORIDA OR SUCH FINAL
ALLOCATION AMOUNTS AS ADJUSTED BY THE FHFC; AND
FURTHER AUTHORIZING THE APPROPRIATION OF ANY INTEREST
ACCRUED THEREON FOR ELIGIBLE ACTIVITIES UNDER THE SHIP
PROGRAM RULES.
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable Housing Act,
Chapter 92-317 of Florida Sessions Laws, allocating a portion of documentary stamp taxes on
deeds to local governments for the development and maintenance of affordable housing; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, ss. 420.907-420.9079,
Florida Statutes (1992), and Rule Chapter 67-37, Florida Administrative Code, requires local
governments to develop a three-year Local Housing Assistance Plan (LHAP) outlining how
funds will be used; and
WHEREAS, the SHIP Act requires local governments to establish the maximum SHIP funds
allowable for each strategy; and
WHEREAS, as required by section 420.9075, F.S., it is found that 5 percent of the local
housing distribution plus 5 percent of program income is insufficient to adequately pay the
necessary costs of administering the local housing assistance plan. The cost of administering
the program may not exceed 10 percent (10%) of the local housing distribution plus five percent
(5%) of program income deposited into the trust fund, except that small counties, as defined in s.
120.52(17), and eligible municipalities receiving a local housing distribution of up to $350,000
may use up to 10 percent of program income for administrative costs.
WHEREAS, the Administration has prepared a new LHAP, incorporated herein by reference
and attached as Exhibit "A" hereto, for Fiscal Years 2016/2017, 2017/2018 and 2018/2019, in
order to qualify to receive annual allocations of SHIP Program funds for eligible housing
activities; and
WHEREAS, the Administration recommends authorizing the appropriation of SHIP Program
funds for Fiscal Years 2016/2017, 2017/2018 and 2018/2019 in amounts to be determined by
the State, or such final allocation amounts as may be adjusted by the FHFC; as well as the
appropriation of any interest accrued thereon for eligible activities under the SHIP Program
Rules.
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
and adopt the Local Housing Assistance Plan (LHAP) attached to this Resolution for the State
Housing Initiatives Partnership (SHIP) Program for Fiscal Years 2016/2017, 2017/2018 and
2018/2019, as required by the SHIP Act, Subsections 420.907 — 420.9079, Florida Statutes;
authorize the execution of the necessary certifications by the Mayor and the City Clerk;
authorize the Administration to submit the LHAP to the Florida Housing Finance Corporation for
its review and approval; authorize the appropriation of SHIP Program funds for Fiscal Years
2016/2017, 2017/2018 and 2018/2019, in amounts to be determined by the State of Florida, or
such final allocation amounts as adjusted by the Florida Housing Finance Corporation; and
further authorize the appropriation of any interest accrued thereon for eligible activities under
the SHIP Program Rules.
Passed and adopted this 13 day of Apri / , 2016.
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T:IAGENDA120161April 131LHAP CC Resolution 4-13-2016 z..j
FORM & LANGUAGE
& FOR EXECUTION
O'A City Attorney : r Date
COMMISSION ITEM SUMMARY
Condensed Title:
A resolution of the Mayor and City Commission of the City of Miami Beach, Florida, approving and adopting the new
Local Housing Assistance Plan (LHAP)for the State Housing Initiatives Partnership (SHIP) Program for fiscal years
2016/17, 2017/18, and 2018/19; authorizing execution of the necessary certifications; authorizing submission of the
LHAP to the Florida Housing Finance Corporation for review and approval;authorizing the appropriation of the allocated
SHIP funds, and any accrued interest thereon, for eligible program activities.
Key Intended Outcome Supported:
Increase access to workforce or affordable housing.
Supporting Data (Surveys, Environmental Scan,etc.): Based on the Community Satisfaction Survey, 33% of
businesses rated the lack of affordable housing in Miami Beach, for their labor force, as their most important
challenge.
Issue:
Shall the City approve the new SHIP Program LHAP for submission to the State and authorize the appropriation of any
funding allocations received from the State for use in eligible program activities.
Item Summary/Recommendation:
Entitlement communities that receive SHIP funds, such as the City of Miami Beach, are required to produce and file
with the State of Florida a Local Housing Assistance Plan(LHAP)which governs each community's use of SHIP funds.
A new LHAP must be filed every three years.The LHAP delineates the strategies that will be employed to increase the
availability of affordable housing for income-eligible residents within the jurisdiction.
Per SHIP program guidelines the funds may be allocated among multiple assistance strategies, but are subject to the
following award restrictions:
• At least 75% of the overall funds must be used for construction-related activities;
• At least 65% of the overall funds must be used for homeownership-related activities; such as first-time
homebuyer activities or owner-occupied rehabilitation activities.
• At least 30% of the overall funds must be reserved for activities that benefit low-income households;
• At least 30% of the overall funds must be reserved for activities that benefit very-low income households.
The new LHAP will utilize the following assistance strategies that have the greatest demand in the community:Owner-
occupied Housing Rehabilitation, Disaster Mitigation Recovery (required by the State), New Construction for
Homeownership, Homebuyer Down Payment/Closing Cost and Rehabilitation, and Rental Housing Development.
The Administration recommends approval of the LHAP for fiscal years 2016/2017, 2017/2018, and 2018/2019;
authorizing execution of the necessary certifications by the Mayor and City Clerk; authorizing submission of the LHAP
for review and approval by the Florida Housing Finance Corporation; further, authorizing the appropriation of SHIP
funds, or interest earned on the funds, for eligible activities under the rules of the SHIP Program.
Advisory Board Recommendation:
AHAC
Financial Information:
Source of Amount Account Approved
Funds: 3 NA
2
OBPI Total
Financial Impact Summary:
City Clerk's Office Legislative Tracking:
Maria Ruiz
Sign-Offs:
Department Director Assistant City Manager .;ty Manager 4 MLR KGB JLM
T:\AGENDA\2016\A riI 13\Housing and Community Services\LHAP CC Summary 4-13-2016
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AGENDA ITEM 1R ( F
MIAMIBEACH DATE q-/3 IL
MIAMI BEACH
City of Miami Beach, 1700 Convention Center Drive,Miami Beach, Florida 33139,www.miamibeachfl.gov
COMMISSION MORANDUM
fission
To: Mayor Philip Levine and Members of e City Co
From: Jimmy L. Morales, City Manager
Date: April 13, 2016
Subject: A RESOLUTION OF THE MAYO AND CITY COMMISSION OF THE
CITY OF MIAMI BEACH, FLORI A, APPROVING AND ADOPTING
THE CITY OF MIAMI BEACH LO L HOUSING ASSISTANCE PLAN
(LHAP) FOR THE STATE HOUSING INITIATIVES PARTNERSHIP
(SHIP) PROGRAM FOR FISCAL YEARS 2016/2017, 2017/2018, AND
2018/2019, AS REQUIRED BY THE STATE HOUSING INITIATIVES
PARTNERSHIP PROGRAM ACT, SUBSECTIONS 420.907 -420.9079;
AUTHORIZING EXECUTION OF THE NECESSARY
CERTIFICATIONS BY THE MAYOR AND THE CITY CLERK;
AUTHORIZING SUBMISSION OF THE LOCAL HOUSING
ASSISTANCE PLAN TO THE FLORIDA HOUSING FINANCE
CORPORATION (FHFC) FOR ITS REVIEW AND APPROVAL;
AUTHORIZING THE APPROPRIATION OF SHIP PROGRAM FUNDS
FOR FISCAL YEARS 2016/2017, 2017/2018 AND 2018/2019 IN
AMOUNTS TO BE DETERMINED BY THE STATE OF FLORIDA OR
SUCH FINAL ALLOCATION AMOUNTS AS ADJUSTED BY THE
FHFC; AND AUTHORIZING THE APPROPRIATION OF ANY
INTEREST ACCRUED THEREON FOR ELIGIBLE ACTIVITIES
UNDER THE SHIP PROGRAM RULES.
ADMINISTRATION RECOMMENDATION
Adopt the Resolution.
BACKGROUND
The State Housing Initiatives Partnership program (SHIP), administered through the Florida
Housing Finance Corporation (FHFC), was established in 1992 by the William E. Sadowski
Affordable Housing Act to stimulate the production of affordable housing statewide. SHIP
program funds are derived from documentary stamp levies on real estate transactions, and held
in the SHIP Program Trust Fund. Annually, FHFC allocates SHIP program funds among
participating jurisdictions on a formula basis. SHIP program funds serve to increase access to
affordable housing for income-eligible participants whose income does not exceed 120% of the
Area Median Income (AMI).
City Commission Memorandum
Local Housing Assistance Plan
April 13, 2016
Page 2 of 3
Entitlement communities receiving SHIP funds, including the City, are required to produce and file
with the State of Florida a Local Housing Assistance Plan (LHAP) which governs each
community's use of SHIP funds. A new LHAP must be filed every three years. The LHAP
delineates the strategies that will be employed to increase the availability of affordable housing for
income-eligible residents within the jurisdiction.
Per SHIP program guidelines the funds may be allocated among multiple assistance strategies,
but are subject to the following award restrictions':
• At least 75% of the overall funds must be used for construction-related activities;
• At least 65% of the overall funds must be used for homeownership-related activities; such
as first-time homebuyer activities or owner-occupied rehabilitation activities;
• At least 30% of the overall funds must be reserved for activities that benefit low-income
households; and
• At least 30% of the overall funds must be reserved for activities that benefit very-low
income households.
1 -(Note: These restrictive percentages are overlapping)
The income limits for eligibility are defined below:
Percent G V1O SCOOP Ofigme LOrmilOg E9 Household egg
9 2 3 4 5 0 7
30% • 14,250 16,250 20,090 24,250 28,410 32,570 36,730 40,890
50% 23,700 27,100 30,500 33,850 36,600 39,300 42,000 44,700
80°/0 37,950 43,350 48,750 54,150 58,500 62,850 67,150 71,500
. 120°/0 56,880 65,040 73,200 81,240 87,840 94,320 100,880 107,280
ANALYSIS
The State requires that a new LHAP for fiscal years 2016/2017, 2017/18 and 2018/2019 be
submitted by May 2, 2016, utilizing the format required by the FHFC. The proposed new LHAP is
attached to this memorandum. Although not significantly different from the current LHAP, staff
has updated information where required by SHIP rules, deleted information that is obsolete or
unnecessary, and clarified information in some areas. Otherwise, it essentially remains
unchanged, utilizing the strategies that have the greatest demand in the community.
As such, the new LHAP will provide for the use of SHIP funds utilizing the following strategies:
A. Owner-occupied Housing Rehabilitation
B. Disaster Mitigation Recovery (Required by the State)
C. New Construction for Homeownership
D. Down Payment/Closing Cost and Rehabilitation
E. Rental Housing Development
City Commission Memorandum
Local Housing Assistance Plan
April 13, 2016
Page3of3
The current real estate market in the City greatly limits the ability of eligible program participants
to actually become homeowners. Even with the. SHIP assistance, participants are generally
unable to qualify for a bank first mortgage that provides enough funds to complete a purchase
transaction. .
Staff continues to identify new outreach methods to generate eligible participants that will be able
to take advantage of the program.
CONCLUSION
The City has been a SHIP Program participant since 1995. City staff works closely with the FHFC
technical staff in monitoring the SHIP program to maintain compliance with rules and regulations
established by the State. ,A new LHAP must be filed with the State of Florida by May 2, 2016.
The Administration recommends approval and adoption of the attached Local Housing Assistance
Plan for State fiscal years 2016/2017, 2017/2018, and 2018/2019, as required by the State
Housing Initiatives Partnership Program Act, Subsections 420.907 — 420.9079. And further
authorizing the appropriation of any State allocations, or interest earned, for eligible activities as
defined by the SHIP Program rules.
•
JLM/K /MLR/ARB
Attachment •
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SHIP'LOCAL DOUSING.AS;S9ST ONCE PLAN (LH 4,P) - 4.,.
FISCAL YEARS
2016'2017-:-':::2017---.2018,-an., 2018_,2019.
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Table of Co_ ntents _, ,
Description ..- - Page#
Section I, Program Details - . - , - 3 .
Section II, Housing-Strategies • " ` 8 -
.
A: Housing Rehabilitation -' 8
_ B. Disaster Mitigation Recovery 9
.C ,New Construction :- 11
• D: Purchase Assistance _ 12 -
;E Rental Housing Development 14
.- Section III, Incentive Strategies : '•_• 15
A. Expedited Permitting 15••
-B:.'Ongoing Review Process _ • 15
Exhibits
:' A: Administrative Budget for each fiscal year'covered in the Plan
B :Timeline•f o'r Estimated_Encumbrance and Expenditure
G.' Housing Deliver (HDGC)Chart HDGC For Each Fiscal Year
• Covered in the-plan . _
D. Signed LHAP-Certification ` _ _
E Signed, dated, witnessed or attested adopting resolution; .
1.
I'
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_ - 2 - -
Program Details:
A. Name of the participating local government:
City of Miami Beach
Is there an Interlocal Agreement: Yes No X
B. Purpose of the program:
1. To meet the housing needs of the very low,.low and moderate-income
households; and
2. To expand production of and preserve affordable housing; and
3. To further the housing element of the local government comprehensive
plan specific to affordable housing.
C. Fiscal years covered by the Plan:
FY 2016-2017, FY 2017-2018, and FY 2018-2019
D. Governance:
The SHIP Program is established in accordance with Section 420.907-9079,
of the Florida Statutes, and Chapter 67-37of the Florida Administrative Code.
Cities and Counties must be in compliance with these applicable statutes,
rules and any additional requirements as established through the Legislative
process.
E. Local Housing Partnership:
The..,SHIP Program encourages building active partnerships between
government, lenders, builders and developers, real estate . professionals,
advocates for low-income persons and community groups.
In its efforts to expand affordable housing opportunities, the City of Miami
Beach works to establish and build a relationship with a designated
Community Housing Development Organization (CHDO).
F. Leveraging:
The Plan is intended to increase the availability of affordable residential units
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by combining local resources and cost-saving measures into a local housing
partnership and using public and private funds to reduce the cost of housing.
SHIP funds may be leveraged with, or used to supplement, other Florida
Housing Finance Corporation programs and to provide local match to obtain
federal housing grants or programs.
The City of Miami Beach is an Entitlement Community that receives HOME
and CDBG funds from the U.S. Department of Housing and Urban
Development (HUD), which are used in combination with other local funds, to
leverage SHIP funds to increase affordable housing opportunities and reduce
the cost of housing in the City.
G. Public Input:
Public input is solicited through face to face meetings with housing providers,
social service providers, local lenders, and neighborhood associations.
Public input was solicited through the local newspaper in the advertising of
the Local Housing Assistance Plan and the Notice of Funding Availability.
H. Advertising and Outreach:
SHIP funding availability shall be advertised in a newspaper of general
circulation and periodicals serving ethnic and diverse neighborhoods, at least
30 days before the beginning of the application period. If no funding is
available due to a waiting list, no notice of funding availability is required.
Additionally, the City's outreach efforts will include public workshops, special
meetings with various social service agencies, the City website, and
meetings with various City departments.
I. Waiting List/Priorities:
A waiting list will be established when there are eligible applicants for
strategies that no longer have funding available. Those households on the
waiting list will be notified of their status. Applicants will be maintained in an
order that is consistent with the time applications were submitted as well as
any established funding priorities as described in this plan. Priorities for
funding described/listed here apply to all strategies unless otherwise stated
in the strategy: Special Needs and Essential Services Personnel applicants.
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J. Discrimination:
In accordance with the provisions of ss.760.20-760.37, it is unlawful to
discriminate on the basis of race, color, religion, sex, national origin, age,
handicap, or marital status in the award application process for eligible
housing.
K. Support Services and Counseling:
Support services are available from various sources. Available support
services may include but are not limited to: Homeownership Counseling,
Credit Counseling, Tenant Counseling, Legal Counseling and Fair Housing
Counseling. All counseling will be provided through qualified HUD approved
agencies.
L. Purchase Price Limits:
The sales price or value of new or existing eligible housing may not exceed
90% of the average area purchase price in the statistical area in which the
eligible housing is located. Such average area purchase price may be that
calculated for any 12-month period beginning not earlier than the fourth
calendar year prior to the year in which the award occurs. The sales price of
new and existing units, which can be lower but may not exceed 90% of the
median area purchase price established by the U.S. Treasury Department or
as described above.
The methodology used is:
X U.S. Treasury Department
Local HFA Numbers
M. Income Limits, Rent Limits and Affordability:
The Income and Rent Limits used in the SHIP Program are updated annually
by the Department of Housing and Urban Development and posted at
www.floridahousinq.orq.
"Affordable" means that monthly rents or mortgage payments including taxes
and insurance do not exceed 30 percent of that amount which represents the
percentage of the median annual gross income for the households as
indicated in Sections 420.9071, F.S. However, it is not the intent to limit an
individual household's ability to devote more than 30% of its income for
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housing, and housing for which a household devotes more than 30% of its
income shall be deemed Affordable if the first institutional mortgage lender is
satisfied that the household can afford mortgage payments in excess of the
30% benchmark and in the case of rental housing does not exceed those
rental limits adjusted for bedroom size.
N. Welfare Transition Program:
Should an eligible sponsor be used, a qualification system and selection
criteria for applications for Awards to eligible sponsors shall be developed,
which includes a description that demonstrates how eligible sponsors that
employ personnel from the Welfare Transition Program will be given
preference in the selection process.
0. Monitoring and First Right of Refusal:
In the case of rental housing, the staff and any entity that has administrative
authority for implementing the local housing assistance plan assisting rental
developments shall annually monitor and determine tenant eligibility or, to the
extent another governmental entity provides the same monitoring and
determination, a municipality, county or local housing financing authority may
rely on such monitoring and determination of tenant eligibility. However, any
loan or grant in the original amount of $3,000 or less shall not be subject to
these annual monitoring and determination of tenant eligibility requirements.
Tenant eligibility will be monitored annually for no less than 15 years or the
term of assistance whichever is longer unless as specified above.
Eligible sponsors that offer rental housing for sale before 15 years or that
have remaining mortgages funded under this program must give a first right
of refusal to eligible nonprofit organizations for purchase at the current
market value for continued occupancy by eligible persons.
P. Administrative Budget:
A line-item budget of proposed Administrative Expenditures is attached as
Exhibit A. The moneys deposited in the local housing assistance trust fund
shall be used to administer and implement the local housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative
Code, states: "A county or an eligible municipality may not exceed the 5
percent limitation on administrative costs, unless its governing body finds, by
resolution, that 5 percent of the local housing distribution plus 5 percent of
program income is insufficient to adequately pay the necessary costs of
administering the local housing assistance plan."
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•
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative
Code, further states: "The cost of administering the program may not
exceed 10 percent of the local housing distribution plus 5 percent of program
income deposited into the trust fund, except that small counties, as defined in
s. 120.52(17), and eligible municipalities receiving a local housing distribution
of, up. to $350,000 may use up to 10 percent of program income for
administrative costs:" The City of Miami Beach has adopted the above
findings in the resolution attached as Exhibit E. •
Q. Program Administration:
Administration of the local housing assistance plan will be wholly performed and
maintained by the City of Miami. Beach. The Office Housing & Community
Services is the department responsible for carrying out the strategies under the
SHIP LHAP.
R. Project Delivery Costs: In addition to the administrative co_sts listed above, the
City of Miami Beach will charge'reasonable project delivery costs to cover
project estimates/construction estimates and project inspections, which will be
performed by independent contractors for construction projects. The fee will be
included in the amount of the recorded mortgage and promissory note that
secures the property.
S. Essential Service Personnel Definition:
"Essential Service Personnel" are defined as income-eligible employees of
Miami Beach businesses and organizations in the following industries:
1. Accommodations and Food Services (including arts, entertainment, and
recreation); and
2. Retail Trade; and
3. Public Administration (including City of Miami Beach employees); and
4. Healthcare; and
5. Emergency First Responders
T. Incorporation of Green Building and Energy Saving products and
processes:
The City of Miami Beach is committed to making the housing stock more energy
efficient. Therefore the City will require the use of the following features when
economically feasible in the construction/rehabilitation of homes:
1. Water-conserving appliances and fixtures (toilets, showerheads, and
faucets); and
2. Energy star appliances; and
3. .Efficient lighting on both the interior and exterior of homes; and
4. Upgrading of insulation materials (attics, walls, roofing); and
5. Tankless water heaters; and
6. Air conditioning with a higher SEER rating.
II. LHAP Strategies:
A.
Owner-Occupied Rehabilitation: Code 3
a. Summary of the Strategy: Rehabilitation/Repair of single-family
(including condominiums), owner-occupied housing. "Rehabilitation" will
be defined as repairs or improvements that are needed for safe or
sanitary habitation, correction of substantial code violations, structural or
systems faults, or the creation of additional living space. Cosmetic items
may be included on projects if funds are available after completing all
required repairs.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Eligible persons/households which
are extremely low, very low, low, or moderate-income.
d. Maximum award: $40,000
e. Terms:
1. Loan/deferred loan/grant: Deferred Loan
2. Interest Rate: 0%
3. "Term: 15 years
4. Forgiveness/Repayment: Forgivable
5. Default/Recapture: The loan will be forgiven at the end of the
term. However, the full balance is due if the property is sold,
rented, refinanced the property fails to be the owner's
primary residence during the fifteen year term. Notwithstanding
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the previous restrictions, the owner shall be allowed to
refinance without being subject to the provisions set forth
therein, so long as the amount of the refinancing does not
exceed the then outstanding balance of the first mortgage.
Subordination will only be approved if the refinancing will lower
the current mortgage payment and/or interest rate. The City's
interests will be secured through the execution of a mortgage
and promissory note, as well as a Restrictive Covenant
delineating the recapture period and terms.
f. Recipient Selection Criteria: All recipients of assistance must meet the
applicable eligibility requirements as stipulated in the Florida Statutes,
SHIP Rule, and this Plan. Applicants will be selected from a waiting list
on a first come, first ready basis. There are many households with elderly
and/or disabled members that are in need of accommodations beyond
the regular rehabilitation and improvements activities. This includes, but
is not limited to: grab bars, ramps, altered kitchens and bathrooms,
accessible doors and switches, etc. Such households will be given
priority funding until the City fulfills the minimum SHIP Program
requirements for assistance to this target population_
g. Sponsor Selection Criteria: NA
h. Additional Information: Mobile homes and trailers are not eligible for
this strategy. Assisted properties must be located within the City of Miami
Beach corporate limits.
B.
Disaster Mitigation Code 5
a. Summary of Strategy: Emergency Assistance to eligible households
after the occurrence of a disaster declared by Executive Order
• (President of the United States or Governor of the State of Florida). In
the event of a disaster, the City will commit available unencumbered
SHIP funds, as well as other disaster funds that may become available
through the Florida Housing Finance Corporation or any other
emergency funding sources. Disaster funds may be used for, but not
limited to, the following:
1) Purchase of emergency supplies; weatherproofing a damaged
home;
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2) Interim repairs to prevent further damage; tree and debris removal
to make the housing unit habitable;
3) Payment of insurance deductibles for rehabilitation of homes
covered under homeowners' insurance policies; and
4) Other activities as proposed by the Federal Government, counties
and eligible municipalities and approved by Florida Housing Finance
Corporation.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Eligible persons/households which
are extremely low, very low, low, or moderate-income. See also Section
I (M) of this Plan.
d. Maximum award: $40,000
e. Terms:
1. Loan/deferred loan/grant: Deferred Loan
2. Interest Rate: 0%
3. Term: 15 years
4. Forgiveness/Repayment: Forgivable
5. Default/Recapture: The loan will be forgiven at the end of the
term. However, the full balance is due if the property is sold,
rented, refinanced or the property fails to be the owner's primary
residence during the fifteen year term. Notwithstanding the
previous restrictions, the owner shall be allowed to refinance
without being subject to the provisions set forth therein, so long as
the amount of the refinancing does not exceed the then
outstanding balance of the first mortgage. Subordination will only
be approved if the refinancing will lower the current mortgage
payment and/or interest rate. The City's interests will be secured
through the execution of a mortgage and promissory note, as well
as a Restrictive Covenant delineating the recapture period and
terms.
f. Recipient Selection Criteria: All recipients of assistance must meet
the applicable eligibility .requirements as stipulated in the Florida
Statutes, SHIP Rule, and this Plan. Applicants will be selected from a
waiting list on a first come, first ready basis.
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g. Sponsor Selection Criteria: NA
h. Additional Information: Mobile homes and trailers are not eligible for
this strategy. Assisted properties must be located within the City of
Miami Beach corporate limits.
C.
New Construction` Code 10
a.- .Summary of Strategy: To. develop homeownership opportunities to, •
assist eligible buyers to purchase affordable housing in Miami Beach.
Funds will be provided to developers to be used to finance the costs
associated with site development, and hard and soft construction costs.
•
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be:served: Eligible persons/households which
are extremely low, very low, low, or moderate-income. See also Section
(M).of this Plan.
d. Maximum award: $40,000
e. Terms:
1. : Loan/deferred loan/grant: Deferred Loan
2. Interest Rate: 0%
a. Term: 15 years
4.- Forgiveness/Repayment: Forgivable
5. Default/Recapture: No payments will be required during the
construction phase. Once construction is completed and the
unit is sold, the SHIP subsidy will be passed on to the new •
homeowner. The loan will be forgiven at the end of the term.
• However, the full balance is due if the property is sold, rented,
'refinanced or the property fails to be the owner's primary
residence during the fifteen year term. Notwithstanding the
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previous restrictions, the owner shall be allowed to refinance
without being subject to the provisions set forth therein, so long
as the amount of the refinancing does not exceed the then
outstanding balance of the first mortgage. Subordination will
only be approved if the refinancing will lower the current
mortgage payment and/or interest rate. The City's interests will
be secured through the execution of a mortgage and
promissory note, as well as a Restrictive Covenant delineating
the recapture period and terms.
f. Recipient Selection Criteria: All recipients of assistance must meet the
applicable eligibility requirements as stipulated in the Florida Statutes,
SHIP Rule, and this Plan. Applicants will be selected from a waiting list
on a first come, first ready basis.
f. Sponsor Selection Criteria: Developers will respond to an RFP process
which will require confirmation of the developer's experience, financial
capacity, site control, and ability to secure all necessary funds to proceed.
g. Additional Information: Mobile homes and trailers are not eligible for
this strategy. Assisted properties must be located within the City of Miami
Beach corporate limits.
D.
Purchase Assistance codes 1, 2
a. Summary of Strategy: Down payment, closing cost and rehabilitation
assistance for the purchase of new or existing housing, and the
rehabilitation of those properties, for first-time homebuyers. A first-time
homebuyer is defined as a purchaser that has not owned a home in at
least the last three years.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Eligible persons/households
which are extremely low, very low, low, or moderate-income. See also
Section I (M) of this Plan.
- 12-
d. Maximum award:
1. $40,000 (Moderate-Income)
2. $60,000 (Low and Very Low-Income)
3. $100,000 (Extremely Low-Income)
e. Terms:
1. Loan/deferred loan/grant: Deferred Loan
2. Interest Rate: 0%
3. Term: 15 years
4. Forgiveness/Repayment: Forgivable
5. Default/Recapture: The loan will be forgiven at the end of
the term. However, the full balance is due if the property is
sold, rented, refinanced or the property fails to be the
owner's primary residence during the fifteen year term.
Notwithstanding the previous restrictions, the owner shall be
allowed to refinance without being subject to the provisions
set forth therein, so long as the amount of the refinancing
does not exceed the then outstanding balance of the first
mortgage. Subordination will only be approved if the
refinancing will lower the current mortgage payment and/or
interest rate. The City's interests will be secured through the
execution of a mortgage and promissory note, as well as a
Restrictive Covenant delineating the recapture period and
terms.
f. Recipient Selection Criteria: All recipients of assistance must meet
the applicable eligibility requirements as stipulated in the Florida
Statutes, SHIP Rule, and this Plan. Applicants will be selected from a
waiting list on a first come, first ready basis.
g. Sponsor Selection Criteria: NA
h. Additional Information: Mobile homes and trailers are not eligible for
this strategy. Assisted properties must be located within the City of Miami
Beach corporate limits.
- 13 -
E.
Rental Development Code 14
a. Summary of Strategy: Funds will be provided to City of Miami Beach
departments and to for-profit and non-profit developers to be used to
finance the costs of acquisition and/or the hard and soft costs of
rehabilitating multi-family buildings
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Eligible persons/households which
are extremely low, very low, low, or moderate-income. See also Section I
(M) of this Plan.
d. Maximum award: $40,000
e. Terms:
1. Loan/deferred loan/grant: Deferred Loan
2. Interest Rate: 0%
3. Term: 30 years
4. Forgiveness/Repayment: Forgivable
5. Default/Recapture: Full balance of the SHIP subsidy will be
due if the property is sold or transferred, or the property fails to
be used for affordable housing during the thirty year term. For
properties owned by developers, where funding was provided
for acquisition, the City may impose a reverter provision at the
end of the term if it is found to be in the best interest of City to
maintain the affordable housing beyond the affordability period
when the developer is converting the project to market rate
development. The reverter clause will not be used if the
recipient volunteers to keep a negotiated percentage of the
units affordable to very low, low and moderate-income
households. The City's interests will be secured through the
execution of a mortgage and promissory note, as well as a
Restrictive Covenant delineating the recapture period and
terms.
- 14 -
g. Recipient Selection Criteria: All tenants of properties assisted with
SHIP funds must meet the eligibility requirements as stipulated in the
applicable Florida Statutes, SHIP Rule, and this Plan.
h. Sponsor/Developer Selection Criteria: Developers will respond to an
RFP process which will require confirmation of the developer's
experience, financial capacity, site control, and ability to secure all
necessary funds to proceed.
i. Additional Information: Assisted properties must be located within the
City of Miami Beach corporate limits.
III. LHAP Incentive Strategies
A. Name of the Strategy: Expedited Permitting
Permits, as defined in s. 163.3177 (6) (f) (3) for affordable housing projects,
are expedited to a greater degree than other projects.
This incentive gives priority to designated affordable housing projects when
scheduling pre-design conferences with relevant City agencies including, but
not limited to: Fire, Planning and Zoning, Building, Historic Preservation, and
the Office of Housing and Community Services (HCS). Also, when the plans
are ready for permitting, first priority is given. The City will develop a form to
identify the projects reviewed by the HCS.
The incentive was enacted by administrative action in February, 1997.
B. Name of the Strategy: Ongoing Review Process
This incentive provides for an ongoing process for review of local policies,
ordinances, regulations and plan provisions that increase the cost of housing
prior to their adoption.
Prior to the adoption of any proposed policy, procedure, ordinance,
development plan, regulation, or Comprehensive Plan amendment that might
impact housing, the City evaluates its potential effect and cost on affordable
housing through the Director of the Office of Housing and Community
Services (HCS). The HCS may present proposed legislation to applicable
. City boards and committees for their review as they may impact housing.
- 15-
, :EXHIBITS:
A Administrative Bud get for each fiscal year covered in:the-Plan ; r
r. B: -Timeline for Estimated Encumbrance and Expenditure
C Housingp Delivery Goals Chart(H-
H-DGO) For Each_Fiscal Year Covered in the
plan.:
D. Signed LHAP:Certification.'
E. .Signed, dated-witnessed or attested adopting resolution
F. Ordinance (If-changed from the original creating ordinance)
G. I nte'rlocal,Agreement
Y H •Other Documents Incorporated by Reference
•
•
•
{ t-a-
•
•
•
3 - 16
EXHIBIT A
ADMINISTRATIVE BUDGET
- 17 -
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR Exhibit A
LHAP 2009-001
Exhibit A
Revised: 6/2015
(Local Government name)
Fiscal Year: 2016-2017
Estimated Allcoation for Calculating: $ 367,448.00
Salaries and Benefits $ 33,070.00
Office Supplies and Equipment $ 1,000.00
Travel Per diem Workshops, etc. $ 750.00
Advertising $ 1,925.00
Other* $
Total $ 36,745.00 0.100001
Fiscal Year: 2017-2018
Estimated Allcoation for Calculating: $ 367,448.00
Salaries and Benefits $ 33,070.00
Office Supplies and Equipment $ 1,000.00
Travel Per diem Workshops, etc. $ 750.00
Advertising $ 1,925.00
Other* $
Total $ 36,745.00 0.100001
Fiscal Year 2018-2019
Estimated Allcoation for Calculating: $ 367,448.00
Salaries and Benefits $ 33,070.00
Office Supplies and Equipment $ 1,000.00
Travel Per diem Workshops, etc. $ 750.00
Advertising $ 1,925.00
Other* $
Total $ 36,745.00 0.100001
*All "other" items need to be detailed here and are subject to review and
approval by the SHIP review committee.
Details:
EXHIBIT B
TIMELINE
- 18 -
Exhibit B
Timeline for SHIP Expenditures
City of Miami Beach affirms that funds allocated for these fiscal years will meet the following deadlines:
Fiscal Year Encumbered Expended 1St Year AR 2nd Year AR Closeout AR
2016-2017 6/30/2018 6/30/2019 9/15/2017 9/15/2018 9/15/2019
2017-2018 6/30/2019 6/30/2020 9/15/2018 9/15/2019 9/15/2020
2018-2019 6/30/2020 6/30/2021 9/15/2019 9/15/2020 9/15/2021
If funds allocated for these fiscal years is not anticipated to meet any of the deadlines in the table above,
Florida Housing Finance Corporation will be notified according to the following chart:
Fiscal Year Funds Not Funds Not ft Year AR 2nd Year AR Closeout AR
Encumbered Expended Not Not Not
Submitted Submitted Submitted
2016-2017 3/30/2018 3/30/2019 6/15/2017 6/15/2018 6/15/2019
2017-2018 3/30/2019 3/30/2020 6/15/2018 6/15/2019 6/15/2020
2018-2019 3/30/2020 3/30/2021 6/15/2019 6/15/2020 6/15/2021
Requests for Expenditure Extensions (close-out year ONLY) must be received by FHFC by June 15 of the
year in which funds are required to be expended.The extension request shall be emailed to
robert.dearduff @floridahousing.org and terry.auringer@floridahousing.org and include:
1. A statement that "(city/county) requests an extension to the expenditure deadline for fiscal
year
2. The amount of funds that is not expended.
3. The amount of funds that is not encumbered or has been recaptured.
4. A detailed plan of how/when the money will be expended.
Note: an extension to the expenditure deadline (June 30)does not relieve the requirement to submit
(September 15)the annual report online detailing all funds that have been expended. Please email
terry.auringer @floridahousinq.orq when you are ready to "submit"the AR.
Other Key Deadlines:
AHAC reports are due for each local government by December 31 of the year prior to the local
government's LHAP being submitted. Local governments receiving the minimum or less allocation are not
required to report.
EXHIBIT C
HOUSING DELIVERY GOALS
- 19 -
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EXHIBIT D
CERTIFICATION PAGE
- 20 -
• Exhibit D
67-37.005(1), F.A.C.
Effective Date: 05/2016
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity: City of Miami Beach
Certifies that:
(1) The availability of SHIP funds will be advertised pursuant to program requirements in
420.907-420.9079, Florida Statutes.
(2) All SHIP funds will be expended in a manner which will insure that there will be no
discrimination on the basis of race, color, national origin, sex, handicap, familial status, or
religion.
(3) A process to determine eligibility and for selection of recipients for funds has been
developed.
(4) Recipients of funds will be required to contractually commit to program guidelines and loan
terms.
(5) Florida Housing will be notified promptly if the local government/interlocal entity will be
unable to comply with any provision of the local housing assistance plan(LHAP).
(6) The LHAP provides a plan for the expenditure of SHIP funds including allocation,program
income and recaptured funds within 24 months following the end of the State fiscal year in
which they are received.
(7) The LHAP conforms to the Local Government Comprehensive Plan, or that an amendment to
the Local Government Comprehensive Plan will be initiated at the next available opportunity to
insure conformance with the LHAP.
(8) Amendments to the approved LHAP shall be provided to the Florida Housing for review and/or
p g
approval within 21 days after adoption.
(9) The trust fund exists with a qualified depository for all SHIP funds as well as program
income or recaptured funds.
(10) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted by
law.
(11) The local housing assistance trust fund shall be separately stated as a special revenue fund in
the local governments audited financial statements (CAFR). An electronic copy of the CAFR or
a hyperlink to the document shall be provided to Florida Housing by June 30 of the applicable
year.
1
Exhibit D
67-37.005(1), F.A.C.
Effective Date: 05/2016
(12) Evidence of compliance with the Florida Single Audit Act, as referenced in Section 215.97, F.S.
shall be provided to Florida Housing by June 30 of the applicable year.
(13) SHIP funds will not be pledged for debt service on bonds.
(14) Developers receiving assistance from both SHIP and the Low Income Housing Tax
Credit (LIHTC) Program shall comply with the income, affordability and other LIHTC
requirements, similarly, any units receiving assistance from other federal programs shall
comply with all Federal and SHIP program requirements.
(15) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to serve eligible persons.
(16) Rental Units constructed or rehabilitated with SHIP funds shall be monitored for
compliance with tenant income requirements and affordability requirements or as required
in Section 420.9075 (3)(e). To the extent another governmental entity provides periodic
monitoring and determination, a municipality, county or local housing financing authority
may rely on such monitoring and determination of tenant eligibility.
(17) The LHAP meets the requirements of Section 420-907-9079 FS, and Rule Chapter 67-37
FAC.
(18) The provisions of Chapter 83-220, Laws of Florida have not been implemented (except for
Miami-Dade County).
rtness Chie ;Eleitth g fficial or designee
P i,i. Levine, Mayor
Witness pe Name and Title
iy
Date
k
OR •••� B -.4i4►4
Atte t: ; APPROVED AS TO
. FORM & LANGUAGE
(Seal) INCORP ORATED & FAR E ELUTION
_• ... •. orney City A' rney .`:'f'` Dote
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EX1=1IBIT E ,, , Y ,•
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ADOPTING RESOLUTION - tf•t s• r ; .-1` ':".7.4„.2.,,,-.1f. , "_a y I)`.
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