Resolution 2022-32096 11
RESOLUTION NO. 2022-32096
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) FOR THE
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM FOR FY
2022, FY 2023 AND FY 2024, AS REQUIRED BY THE STATE HOUSING
INITIATIVES PARTNERSHIP PROGRAM ACT, SECTIONS 420.907 -420.9079,
FLORIDA STATUTES; AND AUTHORIZING THE CITY MANAGER AND CITY
CLERK TO EXECUTE ANY NECESSARY CERTIFICATIONS AND TO
TRANSMIT THE LHAP TO THE FLORIDA HOUSING FINANCE
CORPORATION FOR ITS REVIEW AND APPROVAL.
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable Housing
Act, Chapter 92-317 of Florida Sessions Laws, that allocates 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, § 420.907-420.9079,
Florida Statutes (1992), and Rule Chapter 67-37, Florida Administrative Code, requires local
governments to develop a one to 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, the SHIP Act further requires local governments to establish an average
area purchase price for new and existing housing benefiting from awards made pursuant to the
Act; the methodology and purchase prices used are defined in the attached Local Housing
Assistance Plan; and
WHEREAS, the Administration has prepared a draft for the FY 2022, 2023, 2024,
pursuant to the requirements of the Act and the SHIP Program Rule, issued by the Florida
Housing Finance Corporation (FHFC); and
WHEREAS, the Administration has submitted the draft Plan for review to the Affordable
Housing Advisory Committee (AHAC); and
WHEREAS, the Administration will publish the Plan for public comment from March 17,
2022 to April 17, 2022; and
WHEREAS, the LHAP is due for initial review to the FHFC by May 2, 2022, and all
housing incentive strategies must be adopted and approved by the Mayor and City Commission
before May 2, 2022.
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
the City's Local Housing Assistance Plan (LHAP) for the State Housing Initiatives Partnership
(SHIP) Program for FY 2022, FY 2023 and FY 2024, as required by the State Housing Initiatives
Partnership Program Act, Sections 420.907 - 420.9079, Florida Statutes; and authorize the City
Manager and City Clerk to execute any necessary certifications and to submit the LHAP to the
Florida Housing Finance Corporation for its review and approval./J
PASSED and ADOPTED THIS G DAY OF �4pri i , 2022.
142-211
DAN GELBER, MAYOR
ATTEST:
APR 1 2 2022
RAFAEL E. GRANADO, CITY CLERK , „
:
: • .
IfICORPAD"nATED.°
•
APPROVED AS TO
FORM & LANGUAGE
& FOR EXECUTION
3--2 -2
City Attorney Date
Resolutions-C7 B
MIAMI BEACH
COMMISSION MEMORANDUM
TO: Honorable Mayor and Members of the City Commission
FROM: Alina T. Hudak, City Manager
DATE: April 6, 2022
SUBJECT: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) FOR
THE STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
FOR FY 2022, FY 2023 AND FY 2024, AS REQUIRED BY THE STATE
HOUSING INITIATIVES PARTNERSHIP PROGRAM ACT, SECTIONS
420.907-420.9079, FLORIDA STATUTES; AND AUTHORIZING THE CITY
MANAGER AND CITY CLERK TO EXECUTE ANY NECESSARY
CERTIFICATIONS AND TO TRANSMIT THE LHAP TO THE FLORIDA
HOUSING FINANCE CORPORATION FOR ITS REVIEW AND APPROVAL.
RECOMMENDATION
The Administration recommends adopting the Resolution.
BACKGROUND/HISTORY
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
entitlement communities on a formula basis. SHIP program funds serve to increase access to
affordable housing for income-eligible participants.
The purpose of the LHAP is to describe the City's strategies to meet the housing needs of the
very low, low- and moderate-income households for the next three years- 2022-2023, 2023-
2024 and 2024-2025. Before any SHIP funds can be expended, the entitlement community
must have an approved Local Housing Assistance Plan (LHAP).
The Plan is intended to increase the availability of affordable residential units by combining local
resources and cost-saving measures into a local housing partnership using public and private
funds to reduce the cost of housing. SHIP funds are leveraged with or used to supplement
other funding sources such as HOME Investment Partnership (HOME) and State Housing
Initiatives Partnership (SHIP) Programs to assist income-eligible households obtain access to
affordable housing.
Furthermore,the Plan should include policies, regulations, ordinances or resolutions adopted by
Page 343 of 1735
the City in conjunction with the Affordable Housing Advisory Committee (AHAC), to encourage
or facilitate affordable housing. A summary of the incentive strategies passed between 2018-
2021 can be found in the AHAC Triennial Review, which was approved by the Mayor and City
Commission via Resolution No. 2021-31964 on December 8, 2021.
The final LHAP approval must be submitted to the FHFC by May 2, 2022.
ANALYSIS
The Plan describes the housing goals that will be achieved per funding year with an estimated
allocation amount. Additionally, the activities funded must meet the program requirements
described below
• At least 75% of the overall funds must be used for construction, rehabilitation or
emergency repairs of affordable, eligible housing;
- At least 65% of the overall funds must be used for homeownership activities
(homebuyer activities or owner-occupied rehabilitation projects);
• 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;`and
At least 20% of overall funds must be utilized to assist households with a disabled
member.
• Up to 10%of funds can be allocated towards administrative costs.
The City plans to allocate the following during the Fiscal Years using the last allocation amount
for FY 21/22 as an example:
LHAP FY 22-25 expiring June 30,2025
Fiscal Estimated Income Activity Meets 75%
Year Allocation Category Construction
Households set-aside
22-23 $394,363 2 Very-Low 1. Purchase Assistance Yes
Income with Rehabilitation
1 Low-Income 2. Owner-occupied
1 Moderate- Rehabilitation
income 3. Rental Rehabilitation
23-24 $394,363 2 Very-Low 1. Purchase Assistance Yes
I ncome with Rehabilitation
2 Low-I ncome 2. Owner-occupied
1 Moderate- Rehabilitation
income
24-25 $394,363 2 • Very-Low 1. Purchase Assistance Yes
Income with Rehabilitation
4 Low-Income 2. Owner-occupied
1 Moderate- Rehabilitation
income 3. Foreclosure
Prevention
Page 344 of 1735
Staff continues working with local area mortgage companies and lenders to leverage resources
and serve these households seeking homeownership. The Office of Housing and Community
Services (HCS) has collaborated with the Office of Communications to promote the existing
programs to prospective homeowners, including City employees, educators and the public-at-
large. Additionally, HCS is working with local housing counseling agencies to financially
empower prospective homebuyers in their path to mortgage readiness.
The Administration is proposing to continue utilizing strategies for the broadest range of income-
eligible households. The Administration is proposing the adoption of the following strategies in
the LHAP:
A. Purchase Assistance with Rehab
B. Owner-Occupied Rehabilitation
C. Foreclosure Prevention
D. New Construction
E. Rental Development
F. Disaster Repair
The City is drafting a proposed Plan for review by the AHAC and the Plan will be available for
public comment on the City's website. The Affordable Housing Advisory Committee reviewed
and discussed the Plan on March"15,2022.
SUPPORTING SURVEY DATA
Not Applicable.
FINANCIAL INFORMATION
The City will receive an allocation to conduct activities approved in the LHAP.
CONCLUSION
The Administration recommends approval and adoption of the City of Miami Beach Local
Housing Assistance Plan (LHAP)for the State Housing Initiatives Partnership (SHIP) Program
for FY 22/23;'23/24 and 24/25, as required by the SHIP Program Act, subsections 420.907 -
420.9079 Florida Statutes; authorizing execution of any necessary certifications by the City
Manager and the City Clerk; and further authorizing the Administration to submit the LHAP to the
Florida Housing Finance Corporation(FHFC)for its review and approval.
Applicable Area
Not Applicable
Is this a"Residents Right Does this item utilize G.O.
to Know" item, pursuant to Bond Funds?
City Code Section 2-14?
No No
Strategic Connection
Mobility-Support affordable, compatible workforce housing.
Page 345 of 1735
Legislative Tracking
Housing and Community Services
ATTACHMENTS:
Description
D Exhibit A
D Exhibit B
o Exhibit C 22-23
D Exhibit C 23-24
o Exhibit C 24-25
o Exhibit D
o Local Housing Assistance Plan
• Resolution
•
Page 346 of 1735
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR Exhibit A
Exhibit A(2022)
City of Miami Beach
Fiscal Year: 2022-2023
Estimated SHIP Funds for Fiscal Year: $ 394,363.00
Salaries and Benefits $ 35,000.00
Office Supplies and Equipment $ 1,363.00
Travel Per diem Workshops, etc. $ 2,000.00
I
Advertising $ 1,000.00
Other* $
Total $ 39,363.00
Admin % 10%
OK
Fiscal Year 2023-2024
Estimated SHIP Funds for Fiscal Year: I $ 394,363.00
Salaries and Benefits $ 35,000.00
Office Supplies and Equipment I $ 1,363.00
Travel Per diem Workshops, etc. $ 2,000.00
Advertising $ 1,000.00
Other* $
Total $ 39,363.00
Admin % 10%
OK
Fiscal Year 2024-2025
Estimated SHIP Funds for Fiscal Year: I $ 394,363.00
Salaries and Benefits { $ 35,000.00
Office Supplies and Equipment $ 1,363.00
Travel Per diem Workshops, etc. $ 2,000.00
Advertising $ 1,000.00
Other* $
Total $ 39,363.00
Admin % 10%
OK
*All "other" items need to be detailed here and are subject to review and approval by
the SHIP review committee. Project Delivery Costs that are outside of administrative
costs are not to be included here, but must be detailed in the LHAP main document.
Details:
Page 347 of 1735 •
2022
Exhibit B
Timeline for SHIP Expenditures
_The City of Miami Beach affirms that funds allocated for these fiscal years will
meet the following deadlines:
Fiscal Year Encumbered Expended Interim Closeout
Report Report
2022-2023 6/30/2024 6/30/2025 9/15/2024 9/15/2025
2023-2024 6/30/2025 6/30/2026 9/15/2025 9/15/2026
2024-2025 6/30/2026 6/30/2027 9/15/2026 9/15/2027
If funds allocated for these fiscal years is not anticipated to meet expenditure deadlines, Florida Housing
Finance Corporation will be notified according to the following chart:
Fiscal Year Funds Not Closeout AR
Expended Not
Submitted
2022-2023 3/30/2025 6/15/2025
2023-2024 3/30/2026 6/15/2026
2024-2025 3/30/2027 6/15/2027
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 cameka.xardner@floridahousinx.orx 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
cameka.gardner floridahousinq.orq when you are ready to "submit"the AR.
Other Key Deadlines:
AHAC reports are now due annually by December 31. Local governments receiving the minimum (or less)
allocation may choose not to report.
Page 348 of 1735
CHAP Echlbt C 2021
FLORIOA HOUSING FINANCE CORPORATION
HOUSING DEUVERY,GOALS CHART
•
2022-2023
Name of Local Government: Otp of Miami Beach /l
Estimated Funds(Antidpated allocation only): 5 394,363 •
Strategies
Cie Qualifies for W Units Max.SHIP UUnits Max.SHIP Mod Max.SHIP Construction Total Total Units
Homeownership 75%set-aside Award Award Units Award Construction
1 Purchase Assistance with Rehabl5tatlon Yes 1 $100,000 2 $50,000 $200,000.00 $0.00 $200,000.00 3
3 0-enter-Occupied Rehabittation Yes 1 $56,338 $56,337.70 $0.00 556,337.70 .1
7 Foreclosure Prevention No $0.00 $0.00 50.00 0
10 New Construction Yes. $0.00 $0.00 $0.00 0
16 Disaster Repair No $0.00 $0.00 50.00 0
$0.00 $0.00 $0.00 0
SD.co $OD0 $0.00 0
$0.00 $0.00 $0.00 S
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 1 1 2 $256,337.70 $0.00 $256,337.70 4
Purthase Price Limits: New $ 610,000 Foisting $ 610,000
OK 0K
Code Rental Qualifies for VU Units Mae-SHIP UUnhs Max.SNIP Mod Max.SHIP Construction Total Units
75%set-aside Award Award . Units Award Consmrction
14 Rental Development Yes 3 $32,863 $98,589.00 $0.00 598,589.00 3
$0.00 50.00 $0.00 0
50.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
•
$0.00 $0.00 $0.00 0
50.00 $0.00 $0.00 0
- -Total Rental 3 0 0 598,589.00 $0.00 598,589.00 3
Administration Fees $ - 0% OK • --
Home Ownership Counseling $ _ _ � r- _y_ - - __- '_-
Total All Funds 5 354,927 OK
Percentage Construction/Rehab(75%requirement) 90.0% OK _ -
Homeownership%(65%requirement) 65.0% OK
Rental Restriction(25%) 25.0% OK
Very-taw Income(30%requirement) $ 198,5891 50A% _ OK _
low Income(30%requirement) $ 56,338 14.3% OK
Moderate Income $ 100,000 25.4% -
Page 349 of 1735
MAP Flhlht C 2021
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2023-2024
City of Miami Beach
Estimated Funds(Anticipated allocation only): $ 394,363 . ....
Strategies
Qualifies for Mao.SHIP Max.SHIP Mod Max.SHIP Without
Code 75%.t..lox VU Units Award U Units Award Units Award Construction Construction Total Units
Homeownership
1 Purchase Assistance with Rehabilitation Yes 2 $100,000 1 $54,927 1 $50,000 5304,927.00 $0.00 $304,927.00 4
3 Oemer-0mrpted Rehablltation Yes 1 $50,030 $50,000.00 $0.00 $50,000.00 1
7 Foredose Ptwentlon No $0.00 $0.00 $0.00 0 us
10 New Construction Yes $0.00 $0.00 $0.00 0
16 Disaster Repair No $0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 50.00 0
$0.00 $0.00 50.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 2 2 1 $354,927.00 $0.00 5354,927.00 5
Purchase Price Limits: New $ 610,000 Existing $ 610,000
OK OK
•
Qualifies for Max.SHIP I Max.SHIP Mod Max.SHIP Without
Cade Rental 75%setaside VU Units Award I` UUnics Award Units Award ConstructionConstructionTotal Units
14 Rental Development Yes $0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Rental 0 0 0 $0.00 $0.00 $0.00 0
-. -. ry
Administration Fees $ - ~0% OK
Horne Ownership
e Oership Counseling $ -- -' - ?• : - - -_ _ --
Total All Funds $ ' 354,927 OK - - - - - - - - -
Percentage Construction/Rehab(75%requirement) 90.0% OK
Homeownership%(65%requirement) 90.0% OK
Rental Restriction 125%) 0.0% OK
Very-law Income(30%requirement) $ 200,000 50.7% OK
Low Income(30%requirement) $ 104,927 26.6% OK
Moderate Income 5 50,000 12.79M ,
Page 350 of 1735
f
' LIMP Exhibt C 2021
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2024-2025
Name of Local Government: City of Miami Beach
Estimated Funds(Anticipated allocation only): $ 394,363 •
Strategies
Qualifies for ' Max.SHIP Max.SHIP Mod Max.SHIP Without
[ode 75%setaside Units Award Award Units ConstructionUnits Award ConstructionConstruction Total Units
Homeownership
1 Purchase Assistance with Rehabilitation Yes 2 $100,000 1 $50,000 1 $50,000 $300,000.00 S0.00 $300,000.00 4
3 Owner.Omrpled Rehabilittion Yes 1 $24,927 524,927.00 $0.00 $24,927.00 1
7 Foreclosure Prevention No 2 $15,000 50.00 $30,000.00 $30,000.00 2
10 New Commetton Yes $0.00 50.00 50.00 0
16 Disaster Repair No $0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
• $0.00 $0.00 50.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 2 4 1 $324,927.00 S30,000.00 $354,927.00 7
Purchase Price Limits: New $ - Existing $ - •
You must enter a purchase price limit above You must enter a purcahse price limit above
Qualifies for Max.SHIP Max.SHIP Mod Max.SHIP Without
Code Rental 75%setaslde V<l Units Award. UUnhs Award Units Award ConstructionConstruction Total Units
14 Rental Development Yes $0.00 $0.00 50.00 0
$0.00 50.00 50.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$o.00 $0.00 50.00 0
50.00 $0.0o So.00 0
Total Rental 0 0 0 50.00 S0.00 50.00 0
Administration Fees -.7
s- - ±~ _ $-4J€ + - - _ 0%-' - OK..,- - - - -
Home Ownership Counseling $ ___ 1 -. ':_._. - - -,s - , --
Total All Funds $ 354,927 OK
. . -• - _ r - Jl. A�
Percentage Construction/Rehab(75%requirement) 82A% OK
Homeownership%(65%requirement) 90.0% ' OK
Rental Restriction(25%) 0.0% OK
Very-tow Income(30%requirement) $ 200,000 50.7% OK
low Income(30%requirement) $ I04,927 26.6% OK
Moderate Income S 50,000 12.7%
Page 351 of 1735
Exhibit D
67-37.005(!), F.A.C.
2022
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity: City of Miami Beach,Florida
Certifies that:
(1) The availability of SHIP funds will be advertised pursuant to program requirements in 420.907-
420.9079, Florida Statutes.
(2) All SHIP funds will be expended in a manner which will ensure that there will be no
discrimination on the basis of race, color, national origin, sex,handicap, familial status, or
religion.
•
(3) A process to determine eligibility and for selection of recipients for funds has been
developed. .
(4) Recipients of funds will be required to contractually commit to program guidelines and loan
terms.
(5) Florida Housing Finance Corporation("Florida Housing")will be notified promptly if the local
govemment/interlocal entity will be unable to comply with any provision of the local housing
assistance plan(LHAP).
(6) The LHAP provides a plan for the encumbrance of funds within twelve months of the end of the
State fiscal year in which they are received and a plan for the expenditure of SHIP funds
including allocation, program income and recaptured funds within 24 months following the end
of the State fiscal year in which they are received.
(7) The LHAP conforms to the Local Government Comprehensive Plan,or that an amendment to the
Local Government Comprehensive Plan will be initiated at the next available opportunity to
insure conformance with the LHAP.
(8) Amendments to the approved LHAP shall be provided to Florida Housing for review and/or
approval within 21 days after adoption.
(9) The trust fund exists with a qualified depository for all SHIP funds as well as program income or
recaptured funds.
(10) Aniounts on deposit in the local housing assistance trust fund shall be invested as permitted by
law.
•
Page 352 of 1735
Exhibit D
67-37.005(1),F.A.C.
2022
(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 shall be provided to Florida Housing by June 30 of the applicable year.
(12) Evidence of compliance with the Florida Single Audit Act,as referenced in Section 215.97, F.S.
shall be provided to Florida Housing by June 30 of the applicable year.
(13) SHIP funds will not be pledged for debt service on bonds.
(14) Developers receiving assistance from both SHIP and the Low-Income Housing Tax
Credit (LIHTC) Program shall comply with the income,affordability and other LIHTC
requirements,similarly,any units receiving assistance from other federal programs shall comply
with all Federal and SHIP program requirements.
(15) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to serve eligible persons.
(16) Rental Units constructed or rehabilitated with SHIP funds shall be monitored for compliance
with tenant income requirements and affordability requirements or as required in Section
420.9075 (3)(e), Florida Statutes. 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, Florida Statutes, and Rule Chapter
67-37 FAC.
(18) The provisions of Chapter 83-220, Laws of Florida have not been implemented(except for
Miami-Dade County).
Witness Chief Elected Official or designee
Alina T. Hudak,City Manager
Witness Type Name and Title
Date
OR
Attest: Rafael E. Granado, City Clerk (Seal) APPROVED AS TO
FORM & LANGUAGE
2 & FOR EXECUTION
C ,12Z.
_ zvp City Attorney ,-r Dote
Page 353 of 1735
SHIP LHAP Template 2016-001
[eta Date 7/1/2021]
Floridf1ou51:
City of Miami Beach
A A A 1 p r: .
SHIP LOCAL HOUSING ASSISTANCE PLAN(CHAP)
2022-2023,2023-2024,2024-2025
1
Page 354 of 1735
SHIP LHAP Template 2016-001
[eff.Date 7/1/20211
Florid-lousing
Table of Contents
Description Page#
Section I,Program Details 3
Section II,Housing Strategies 9
A. Purchase Assistance with Rehabilitation 9
B.Owner Occupied Rehabilitation 11
C. Foreclosure Prevention 13
D. New Construction 15
E.Rental Development 17
F.Disaster Repair 19
Section III,Incentive Strategies 22
A. Expedited Permitting
B.Ongoing Review Process
C. Fee Waiver or Modification
D. Density
E.Accessory Dwelling Units
F. Reducing Parking and Setback
Exhibits 23
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart(HDGC) For Each Fiscal Year
Covered in the plan
D. Signed LHAP Certification
E. Signed, dated,witnessed,or attested adopting resolution
F. Ordinance amending the Affordable Housing Advisory Committee
G. Procurement Policy for Owner Occupied Rehabilitation Strategy
2
Page 355 of 1735
SHIP LHAP Template 2016-001
[eff.Date 7/1/20211
Florida ousin
1. Program Details:
A. LG(s)
Name of Local Government City of Miami Beach
Does this LHAP contain an interlocal agreement? No
If yes,name of other local government(s)
B. Purpose of the program:
• To meet the housing needs of the very low-, low-and moderate-income households;
• To expand production of and preserve affordable housing; and
• To further the housing element of the local government comprehensive plan specific to affordable housing.
rc C. Fiscal years covered by the Plan:2022-2023,2023-2024,2024-2025
D. Governance:The SHIP Program is established in accordance with Sections 420.907-9079, Florida Statutes and
Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance with these applicable
statutes,rules and any additional requirements as established through the Legislative process.
E. Local Housing Partnership:The SHIP Program encourages building active partnerships between government,
lending institutions, builders and developers, not-for-profit and community-based housing providers and
service organizations, providers of professional services related to affordable housing, advocates for low-
income persons, real estate professionals, persons or entities that can provide housing or support services,
and lead agencies of the local continuums of care.
F. Leveraging:The Plan is intended to increase the availability of affordable residential units by combining local
resources and cost saving measures into a local housing partnership and using public and private funds to
reduce the cost of housing. SHIP funds may be leveraged with or used to supplement other Florida Housing
Finance Corporation programs and to provide local match to obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face-to-face meetings with housing providers, social service
providers,'local lenders and neighborhood associations. Public input was solicited through the local
newspaper in the advertising of the Local Housing Assistance Plan and the Notice of Funding Availability.
H. Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of general circulation
and periodicals serving ethnic and diverse neighborhoods, at least 30 days before the beginning of the
application period. If no funding is available due to a waiting list, no notice of funding availability is required.
I. Waiting List/Priorities: A waiting list will be established when there are eligible applicants for strategies that
no longer have funding available. Those households on the waiting list will be notified of their status.
Applicants will be maintained in an order that is consistent with the time completed applications were
submitted,as well as any established funding priorities as described in this plan.
The following priorities for funding (very low income, Special Needs, etc.) described/listed here apply to all
strategies unless otherwise stated in an individual strategy in Section II:
3
Page 356 of 1735
SHIP LHAP Template 2016-001
[eff.Date 7/1/20211
Florida HOUSU
Special Needs
Essential Services Personnel
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.
Additionally, the City of Miami Beach Human Rights Ordinance, as codified in Chapter 62 of the City Code,
prohibits discrimination in employment, housing, public accommodations, or public services, on the basis of
actual or perceived race,color, national origin, religion,sex, intersexuality,sexual orientation,gender identity,
familial and marital status, age, ancestry, height, weight, domestic partner status, labor organization
membership,familial situation, political affiliation, or disability.
K. Support Services and Counseling: Support services are available from various sources. Available support
services may include but are not limited to: homeownership counseling (Pre and Post), credit counseling,
tenant counseling,foreclosure counseling, and transportation.
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 can be lower but
may not exceed 90% of the average area purchase price established by the U.S. Treasury Department or as
described above.
The methodology used is:
U.S.Treasury Department x
Local HFA Numbers
M. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the SHIP Program are
updated annually •by the Department of Housing and Urban Development and posted at
www.floridahousing.org.
"Affordable"means that monthly rents or mortgage payments including taxes and insurance do not exceed
30 percent of that amount which represents the percentage of the median annual gross income for the
households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit an individual
household's ability to devote more than 30%of its income for housing, and housing for which a household
devotes more than 30%of its income shall be deemed Affordable if the first institutional mortgage lender is
satisfied that the household can afford mortgage payments more than 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.
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O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
administrative authority for implementing the local housing assistance plan assisting rental developments,
shall annually monitor and determine tenant eligibility or,to the extent another governmental entity provides
periodic monitoring and determination, a municipality, county, or local housing financing authority may rely
on such monitoring and determination of tenant eligibility. However, any loan or grant in the original amount
of $10,000 or less shall not be subject to this 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 30
years or that have remaining mortgages funded under this program, must give a first right of refusal to eligible
nonprofit organizations for purchase at the current market value for continued occupancy by eligible persons.
P. Administrative Budget: A line-item budget is attached as Exhibit A. The city/county finds that the moneys
deposited in the local housing assistance trust fund are necessary to administer and implement the local
housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: "A county or an
eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its governing
body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of program income is
insufficient to adequately pay the necessary costs of administering the local housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code,further states: "The cost
of administering the program may not exceed 10 percent of the local housing distribution plus 5 percent of
program income deposited into the trust fund, except that small counties, as defined in s. 120.52(19), and
eligible municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of
program income for administrative costs."The applicable local jurisdiction has adopted the above findings in
the resolution attached as Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be performed by:
Entity Duties Admin.Fee
Percentage
Local Government Income certification of applicants,annual reporting,fiscal 10%
management, marketing and outreach.
Third Party Entity/Sub-recipient N/A
R. First-time Homebuyer Definition: For any strategies designed for first-time homebuyers, the following
definition will apply: An individual who has had no ownership in a principal residence during the 3-year period
ending on the date of purchase of the property. This includes a spouse(if either meets the above test, they are
considered first-time homebuyers). A single parent who has only owned a home with a former spouse while
married. An individual who is a displaced homemaker and has only owned with a spouse. An individual who
has only owned a principal residence not permanently affixed to a permanent foundation in accordance with
applicable regulations. An individual who has only owned a property that was not in compliance with state,
local or model building codes, and which cannot be brought into compliance for less than the cost of
constructing a permanent structure.
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S. Project Delivery Costs: In addition to the administrative costs listed above, the City 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 not exceed five (5) percent of
the project cost and will be included in the loan amount, evidenced by a promissory note ('Note"), and
secured by a recorded Mortgage and Security Agreement ("Mortgage") and Declaration of Restrictive
Covenants.
T. Essential Service Personnel Definition (ESP): ESP includes teachers and educators, other school district,
community college, and university employees, police and fire personnel, health care personnel, and skilled
building trades personnel.
1. Educators and those employed in the education institutions;and
2. Artists and those employed in artist organizations;and
3. Accommodations and Food Services(including arts,entertainment,and recreation); and
4. Retail Trade;and
5. Public Administration(including City of Miami Beach employees);and
6. Healthcare;and
7. Skilled building trades;and
8. First Responders
U. Describe efforts to incorporate Green Building and Energy Saving products and processes: The City 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. Low or No-VOC paint for all interior walls (low-VOC means 50 grams per liter or less for flat; 150
grams per liter or less for non-flat paint);
2. Low-flow water fixtures in bathrooms- WaterSense labeled products or the following
specifications:
Toilets: 1.28 gallons/flush or less,
Urinals:0.5 gallons/flush,
Lavatory Faucets: 1.5 gallons/minute or less at 60 psi flow rate,
Showerheads:2.0 gallons/minute or less at 80 psi flow rate;
3. Energy Star certified refrigerator;
4. Energy Star certified dishwasher;
5. Energy Star certified ventilation fan in all bathrooms;
6. Water heater minimum efficiency specifications:.
• Residential Electric:
• Up to 55 gallons=.95 EF or.92 UEF;or
• More than 55 gallons=Energy Star certified;or
• Tankless=Energy Star certified;
7. Energy Star certified ceiling fans with lighting fixtures in bedrooms;
8. Air conditioning(choose in-unit or commercial):
>_8.5 HSPF/>_15 SEER/>_12.5 EER for split systems
Central Air Conditioners-Energy Star certified:
>_15 SEER/>_12.5 EER for split systems
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9. Efficient lighting on both the interior and exterior of homes;and
10. Caulk, weather-strip, or otherwise seal all holes, gaps, cracks, penetrations and electrical
receptacles in building envelope; and
11. Insulate heating and cooling system ducts and seal airtight in accordance with §403.29 of the
Florida Building Code-Energy Conservation.
V. Default/Equity Sharing Policy:
If, during the Affordability Period,the Premises are leased, rented, sold, conveyed,transferred (other
than in the manner permitted in subsection (c) below) or refinanced (other than in the manner
permitted in subsection (d) below),the Owner shall repay to the City the full Principal Amount at the
time of any such lease, rental, sale, conveyance, transfer, or refinance of the Premises. If the net
proceeds from such sale, conveyance or transfer are less than the Principal Amount, Owner shall
retain the amount of the sales commission related to the sale,conveyance or transfer of the Premises
and the cost of any improvements to the Premises which were provided/authorized by the City, and
the City will recapture the remaining balance of the proceeds for use in other eligible SHIP Program
activities.
•
Additionally,part of the profit realized from the sale,conveyance or transfer of the Premises shall also
be paid to the City("Profit Recapture Provision")as follows: if the sale,conveyance or transfer occurs
between the first and fifth year, the City shall be paid a percentage of the profit, based upon the
percentage of the City's contribution to the purchase of the Premises;to wit: if the sales price for the
Premises was $100,000 and the City provided a $50,000 mortgage, the City shall also be paid 50%of
the profit; If the sale, conveyance or transfer occurs between the sixth and tenth year, the City shall
be paid fifty percent (50%) of the profit; and if the sale, conveyance or transfer occurs between the
eleventh and fifteenth year,the City shall be paid twenty-five percent(25%) of the profit.The profit is
defined as the sales price at the time of the sale, or fair market value (in the case of a conveyance or
transfer), minus the sales price of the Premises at the time the homeowner acquired it with the
assistance of the SHIP funds. Fair Market Value shall be determined pursuant to an appraisal,
prepared by an appraiser who is licensed in the State of Florida, which shall be procured by the City
and paid by the Owner. For assistance related to home improvements, where the homeowner has
equity in the property at the time the City awarded funds to be used solely for home improvements
(not in the case of when home improvements are awarded simultaneously with a purchase assistance
award), the City will only share in the profit which accrues after the date in which the City provides
the homeowner with the home improvement award. Additionally,in such case,the percentage of the
award will be determined based upon the proportionate share that the home improvement award
has to the fair market value of the property at the time of the award. For purposes of illustration, if
the homeowner's property is worth $500,000 at the time the City.provides the home improvement
award of$25,000,and the fair market value of the property increases to$600,000 at the time of sale,
the City would be entitled to 5%of the increased profit of$100,000,in the total sum of$5,000.
In the event that a foreclosure proceeding is commenced against the property by a senior mortgage
holder, the City will make an effort to recapture funds through the legal process if it is determined
that adequate funds may be available to justify pursing a repayment.
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If the owner sells or transfers the property during the Affordability Period, the City shall be given the
first right to purchase the property based upon the same material terms being offered to the owner
(the"Right of First Refusal").
The owner will be allowed to refinance a senior mortgage without having to pay off the City's loan, so
long as the new loan amount does not exceed the then outstanding balance of the senior mortgage
(without additional cash out)and will serve to lower the mortgage payment and/or interest rate.
In the event that title to the property is transferred by the death of the owner to a surviving heir, and
said heir occupies the property as a principal residence, within six (6) months from the date of the
owner's death and meets the SHIP Program eligibility requirements, as determined by the City
Manager, in his reasonable discretion,the City will approve the transfer.
W. Describe efforts to meet the 20%Special Needs set-aside:
The City will prioritize the following strategies for Special Needs categories:
- Purchase Assistance with Rehabilitation
- Owner-occupied Rehabilitation
- Disaster Repair
The City will add Special Needs qualification questions to its program eligibility application and utilize the
City's various communications resources(including its website, Facebook,Twitter,and e-newsletter)to advise
the community of these resources.
In addition, the Office of Housing and Community Services (City department responsible for SHIP Program
administration) operates the Success University Program, All Stars Program and the Parent Child Home
Program. These programs are comprehensive family support programs that assist low-income families with
various needs, including housing and food. The programs partner with more than 30 community-based
human services and support agencies, and offer an increased opportunity for identification and referral of
eligible households.
The City also serves as a Department of Children and Families ACCESS Center and will provide referral
information to households receiving SSI/SSDI and other benefits. Staff collaborates with the City's American
Disability Agency (ADA) Coordinator to promote services to vulnerable populations. Additionally, staff works
with Miami Beach Police Department when encountering victims of domestic violence seeking services.
X. Describe efforts to reduce homelessness:
The Office of Housing and Community Services is the City department responsible for the Homeless Outreach
Program.As such, it has direct contact with individuals who are homeless and living in the streets,as well as
individuals/families that are facing the threat of homelessness.The City provides the following services:
shelter beds,relocation services,identification document replacement services,and rent assistance to serve
its homeless population. The current efforts balance accountability,compassion and efficacy while expecting
the same from those the City serves.
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Our community is one of the leaders in the County in its municipal efforts to address homelessness and curb
its impacts.As one of only two municipal teams in the County,our City is the only municipality that operates a
walk-in center where the homeless population can seek services in person.The City is leading local efforts to
move away from the traditional case management model that centralizes services through a third party(not
the client)to a care coordination model that empowers clients to take charge of their lives and creates the
culture and skill-set to discourage the return to homelessness.
The City has created a comprehensive homeless strategy that emphasizes personal accountability,
intradepartmental collaboration and innovation that responds to our community's unique needs and assets
while firmly founded upon compassion,integrity and efficacy.We have:
• Increased the number of shelter beds bought by the City and engaged more shelters such as Lotus House
and Camillus House to ensure that we can offer the appropriate,culturally-competent support to any
homeless persons or families seeking to end their homelessness.The City currently contracts shelter beds
from: Miami Rescue Mission,Camillus House,The Salvation Army and Lotus House.
• Trained our emergency shelter partners on care coordination services so that clients take ownership of
their personal success while having the supports and knowledge at their disposal to leave homelessness
with an expectation—and the skills—not to return to the streets.
• The City is the only outreach team in the County that employs the homeless it places in shelter to serve as
ambassadors to engage the homeless that remain on the streets.Through this program piloted in FY
16/17,the homeless are able to strengthen their engagement skills and transition back into an
employment culture while looking for full-time employment and earning much-needed money to buy
interview clothes and personal items. In turn,the City obtains the insight and knowledge base familiar
with living in the streets and identifies the places and mindsets of those who remain for us to engage.This
win/win model has also succeeded in shortening the length of time between placement in shelter and the
securing of permanent employment.
• Encouraged intradepartmental collaboration between Police and the Homeless Outreach Services
Program so that the first approach to those who are breaking our laws because they see themselves as
homeless is to offer them shelter and the opportunity to end their homelessness--rather than encourage
a passive acceptance of their circumstances as an intractable fate.
• The Lazarus Project is a specialized, multi-disciplinary mobile outreach team that works to engage, assess,
treat,and secure supportive permanent housing for service-resistant chronically homeless individuals
who are-severely mentally ill.
• The City has entered into an agreement with the Miami Dade County Homeless Trust to subcontract a
comprehensive outreach team that provides specialized care for homeless individuals that suffer from
substance abuse and/or co-occurring disorders.
Section II. LHAP Strategies:
A. Purchase Assistance with Rehabilitation Code 1
a. Summary: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. Minimal
rehabilitation of the unit is coordinated after the closing. The SHIP Program can be combined
with the City's HOME Investment Partnership Program (HOME)funds for households earning
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up to 80%AMI,contingent upon funding availability. '
b. Fiscal Years Covered: 2022-2023,2023-2024,2024-2025
c. Income Categories to be served:Very low-, low-and moderate
d. Maximum award:
1. $50,000(Moderate-Income)
2. $100,000(Low and Very Low-Income)
3.$150,000(Extremely Low-Income)
e. Terms:
1. Repayment loan/deferred loan/grant:Funds will be awarded as a deferred payment loan,evidenced
by a Note,and secured by a subordinate(unless the City is the sole lender) Mortgage and a
Declaration of Restrictive Covenants,delineating the recapture period and terms.
2. Interest Rate:0%
3. Years in loan term: Fifteen (15)years
4. Forgiveness: The loan will be forgiven at the end of the term.
5. Repayment: None required if the loan is in good standing.
• 6. Default: Please see Section 1.V.
•
f. Recipient/Tenant Selection Criteria:Applicants will be selected from a waiting list on a first-qualified,first-
served basis.Special Needs households and Essential Service Personnel will be given priority funding until the City
fulfills the minimum SHIP Program requirements for assistance to this target population.
g. Sponsor Selection Criteria: N/A
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.The City of Miami Beach must be in first
or second lien position.
B. Owner-Occupied Rehabilitation Code 3
a. Summary: 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
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if funds are available after completing all required repairs. The SHIP Program can be
combined with HOME Investment Partnership Program funds for households earning up to
80%AMI,contingent upon funding availability.
b. Homeowner's Insurance is required once the project is approved,and a vendor is selected
from a pool of City-approved SHIP contractors.An exception can be made for extremely-low
income households.
c. A project must receive a minimum of three bids before being funded. If there are not ,
enough bids received,the project will be cancelled until staff reissues the bid.
b. Fiscal Years Covered: 2022-2023,2023-2024,2024-2025
c. Income Categories to be served:Very low-, low-and moderate
d. Maximum award:$70,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan,evidenced
by a Note,and secured by a subordinate(unless the City is the sole lender) Mortgage and a
Declaration of Restrictive Covenants,delineating the recapture period and terms.
2. .Interest Rate:0
3. Years in loan term: Fifteen(15)years
4. Forgiveness:The loan will be forgiven at the end of the term.
5. Repayment: None required if the loan is in good standing.
6. Default: Please see Section 1.V.
f. Recipient/Tenant Selection Criteria:Applicants will be selected from a waiting list on a first-qualified,
first-served basis.Special Needs 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: N/A
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. The City of Miami Beach must be in
second lien position.
C. Foreclosure Prevention Code 7
a. Summary: Funds will be provided to assist qualified homeowners with retaining their home and
preventing foreclosure action of their first mortgage.Applicants must be delinquent at least two full
monthly mortgage payments, in receipt of a letter from the mortgage lender notifying the applicant of
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delinquency and/or intent to foreclose. Eligible expenses include delinquent mortgage payments(principal,
interest,taxes and insurance),special assessment fees from condominium and/or neighborhood
associations,late fees and other customary fees associated with delivery costs(excluding brokerage fees.)
b. Fiscal Years Covered: 2022-2023,2023-2024,2024-2025
c. Income Categories to be served:Very low-, low-and moderate
d. Maximum award:$15,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan, evidenced
by a Note,and secured by a.subordinate(unless the City is the sole lender)Mortgage and a
Declaration of Restrictive Covenants,delineating the recapture period and terms.
2. Interest Rate: 0%
3. Years in loan term: Fifteen(15)years
4. Forgiveness:The loan will be forgiven at the end of the term.
5. Repayment:None required if the loan is in good standing.
6. Default: Pursuant to the Declaration of Restrictive Covenants:
If,during the Affordability Period,the Premises are leased, rented,sold,conveyed,transferred(other
than in the manner permitted in subsection(c)below)or refinanced (other than in the manner
permitted in subsection (d)below),the Owner shall repay to the City the full Principal Amount at the
time of any such lease,rental,sale,conveyance,transfer,or refinance of the Premises. If the net
proceeds from such sale,conveyance or transfer are less than the Principal Amount, Owner shall
retain the amount of the sales commission related to the sale,conveyance or transfer of the Premises
and the cost of any improvements to the Premises which were provided/authorized by the City,and
the City will recapture the remaining balance of the proceeds for use in other eligible SHIP Program
activities.
Additionally, part of the profit realized from the sale,conveyance or transfer of the Premises shall also
be paid to the City("Profit Recapture Provision")as follows: if the sale,conveyance or transfer occurs
between the first and fifth year,the City shall be paid a percentage of the profit,based upon the
percentage of the City's contribution to the purchase of the Premises;to wit: if the sales price for the
Premises was$100,000 and the City provided a$50,000 mortgage,the City shall be paid 50%of the
profit; If the sale,conveyance or transfer occurs between the sixth and tenth year,the City shall be
paid fifty percent(50%)of the profit;and if the sale,conveyance or transfer occurs between the
eleventh and fifteenth year,the City shall be paid twenty-five percent(25%)of the profit.The profit is
defined as the sales price at the time of the sale,or fair market value(in the case of a conveyance or
transfer),minus the sales price of the Premises at the time the homeowner acquired it with the
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assistance of the SHIP funds. Fair Market Value shall be determined pursuant to an appraisal,
prepared by an appraiser who is licensed in the State of Florida,which shall be procured by the City
and paid by the Owner.
In the event that a foreclosure proceeding is commenced against the property by a senior mortgage
holder, the City will make an effort to recapture funds through the legal process if it is determined
that adequate funds may be available to justify pursing a repayment.
If the owner sells or transfers the property during the Affordability Period,the City shall be given the
first right to purchase the property based upon the same material terms being offered to the owner
(the"Right of First Refusal").
The owner will be allowed to refinance a senior mortgage without having to pay off the City's loan,so
long as the new loan amount does not exceed the then outstanding balance of the senior mortgage
(without additional cash out)and will serve to lower the mortgage payment and/or interest rate.
In the event that title to the property is transferred by the death of the owner to a surviving heir,and
said heir occupies the property as a principal residence, within six (6) months from the date of the
owner's death and meets the SHIP Program eligibility requirements, as determined by the City
Manager,in his reasonable discretion,the City will approve the transfer.
f. Recipient/Tenant Selection Criteria:Applicants will be selected from a waiting list on a first-qualified,
first-served basis.Special Needs households will be given priority funding until the City fulfills the minimum SHIP
Program requirements for assistance to this target population.
i
g. Sponsor Selection Criteria: N/A
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.The City of Miami Beach must be in second lien
position.
D. New Construction Code 10
a. Summary: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 acquisition/development,and hard and soft construction costs.The property must be
sold to an income-eligible homebuyer. Upon sale,the benefit of the SHIP Program funding will be passed
on to the homebuyer.
b. Fiscal Years Covered: 2022-2023,2023-2024,2024-2025
c. Income Categories to be served:Very low-, low-and moderate
d. Maximum award:$40,000
e. Terms:
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1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan,evidenced
by a Note,and secured by a subordinate(unless the City is the sole lender) Mortgage and a
Declaration of Restrictive Covenants, delineating the recapture period and terms.
2. Interest Rate: 0%
3. Years in loan term: Fifteen(15)years
• 4. Forgiveness:The loan will be forgiven at the end of the term.
5. Repayment: None required if the loan is in good standing.
6. Default: Please see Section 1,V.
f. Recipient/Tenant Selection Criteria:Applicants will be selected from a waiting list on a first-qualified,
first-served basis.Special Needs 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:An eligible sponsor is an entity that applies for an award from the City through
a local government solicitation and is awarded SHIP funds to construct affordable housing units.The City releases
an annual Request for Proposals. Unsolicited proposals can also be submitted for review at any time of the year.
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.The City of Miami Beach must be in second lien
position.
E. Rental Development Code 14
a. Summary: Funds will be provided 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. Funds will also be
utilized for the acquisition and/or rehabilitation of multi-family buildings owned and operated by the City.
b. Fiscal Years Covered: 2022-2023,2023-2024,2024-2025
c. Income Categories to be served:Very low-, low-and moderate
d. Maximum award:$40,000 per unit/$400,000 per property
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan,evidenced
by a Note, and secured by a subordinate(unless the City is the sole lender) Mortgage and a
Declaration of Restrictive Covenants,delineating the recapture period and terms.
2. Interest Rate:0%
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3. Years in loan term:Thirty(30)years
4. Forgiveness:The loan will be forgiven at the end of the term.
5. Repayment: Not required if the loan is in good standing.
6. Default: Please see Section 1.V.
f. Recipient/Tenant 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 on a first qualified,
first served basis. Rent limits must be consistent with those published by Florida Housing Finance Corporation,for
the duration of the loan term.
B. Sponsor/Sub-recipient Selection Criteria: N/A
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.
With respect to acquisitions or rehabilitations for City-owned facilities, the City will execute and record a
Declaration of Restrictive Covenants, reflecting that the property has to remain for use as affordable
housing during the Affordability Period.
F. Disaster Repair Code 5, 16
a. Summary: 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.Home Repair:
a) Purchase of emergency supplies,weatherproofing a damaged home.
b) Interim repairs to prevent further damage;tree and debris removal to make the
housing unit habitable.
c) Payment of insurance deductibles for rehabilitation of homes covered under
homeowners'insurance policies;and
d) Other activities as proposed by the Federal Government, counties and eligible
municipalities and approved by Florida Housing Finance Corporation.
2.Mortgage and Rent Assistance:
Three (3) months of rent and mortgage payments for households affected by a
disaster.
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b. Fiscal Years Covered: 2022-2023,2023-2024,2024-2025
c. Income Categories to be served:Very low-, low-and moderate
d. Maximum award: Home Repair$40,000; Mortgage and Rent Assistance Grant:$5,000
e. Terms:
Home Repair:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan,evidenced
by a Note,and secured by a subordinate(unless the City is the sole lender) Mortgage and a
Declaration of Restrictive Covenants,delineating the recapture period and terms.
2. Interest Rate:0%
3. Years in loan term: Fifteen (15)years
4. Forgiveness:The loan will be forgiven at the end of the term.
5. Repayment:Not required if the loan is in good standing.
6. Default: Please see Section 1.V.
f. Recipient/Tenant Selection Criteria:Applicants will be selected from a waiting list on a first-qualified,
first-served basis.Special Needs 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: N/A
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.The City of Miami Beach must be in second lien
position.
III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives
with the policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3)for affordable housing
projects are expedited to a greater degree than other projects.
Provide a description of the procedures used to implement this strategy: On February 10,
2021, the Mayor and City Commission approved Resolution No. 2021-31581, to expedite
Building Permit review for affordable housing projects.
B. Name of the Strategy: Ongoing Review Process
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Provide a description of the procedures used to implement this strategy: An ongoing
process for review of local policies, ordinances, regulations, and plan provisions that
increase the cost of housing prior to their adoption. Staff continuously reviews policies
with the Affordable Housing Advisory Committee.
C. 'Name of the Strategy: Fee Waiver or Modification
The modification of impact-fee requirements, including reduction or waiver of fees and
alternative methods of fee payment for affordable housing.
Provide a description of the procedures used to implement this strategy: Ordinance 2020-
4361 was adopted on October 14, 2020,to waive training and technology fees for
Affordable Housing units and Workforce Housing units.
D. Name of the Strategy: Density
Provide a description of the procedures used to implement this strategy: On October 19,
2011, the Mayor and City Commission adopted Ordinance No. 2011-3744, which
determined the allowance of increased density levels/flexibility for affordable housing.
E. Name of the Strategy:Accessory Dwelling Units
Provide a description of the procedures used to implement this strategy: On October 16,
2019, the Mayor and City Commission adopted Ordinance 2019-4304, which amended
City Code to allow for accessory and conditional uses as provided for in the land
development regulations; provided that accessory dwelling units do not count towards
maximum density limits; and provided for the development of accessory dwelling units to
encourage the development of housing at an attainable rate.
F. Name of the Strategy: Reducing Parking and Setback
Provide a description of the procedures used to implement this strategy: On October 18,
2017, the Mayor and Commission adopted Ordinance No. 2017-4148, to reduce parking
requirements for newly constructed affordable housing developments and workforce
housing developments. -
On October 27, 2021, the Mayor and Commission adopted Ordinance No. 2021-4451, to
reduce the fees associated with the removal of on-street parking spaces associated with
affordable housing projects.
IV. EXHIBITS:
A. Administrative Budget for each Fiscal Year covered in the Plan.
B. Timeline for Estimated Encumbrance and Expenditure.
C. Housing Delivery Goals Chart(HDGC)for Each Fiscal Year covered in the Plan.
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D. Signed LHAP Certification.
E. Signed,dated,witnessed,or-attested adopting resolution.
F. Ordinance Amending the Affordable Housing Advisory Committee.
G. Resolution approving SHIP contractors for the Homeowner Rehabilitation Programs.
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