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Resolution 1998-368
RESOLUTION NO. 98- RESOLI, JTION APPROVING THE AMENDED LOCAL ItOUSING ASSISTANCE PLAN (H.A.P.) FOR FISCAL YEARS 1998-1999, 1999-2000 AND 2000-2001 AS REQUIRED BY THE FLORIDA STATE IIOUSING INITIATIVES (S.I.I.I.P.) PROGRAM AND THE FLORIDA IIOUSING FINANCE CORPORATION; AUTIIORIZING SUBMISSION OF THE AMENDED LOCAL IIOUSING ASSISTANCE PLAN TO TIlE FLORIDA HOUSING FINANCF. CORPORATION FOR REVIEW AND APPROVAL; AND APPROVING THE EFFECTIVE DATES. WttEREAS, the Florida State Legislature enacted the William E. Sadowski Aflbrdable lIousing Act on .July 7. 1992 (the "Act"). Section 420907, et seq., Florida Statutes. Chapter 01-37. Florida Administrative Code. as a comprehensive funding package for state and local housing programs to better enable local governments to meet their responsibilities for affordable housing in accordance with their comprehensive plans; and WIIEREAS, pursuant to the Act, the State will allocate a portion of new and existing documentary stamp taxes on deeds to local governments for development and maintenance ofatTordable housing; and WIIEREAS, on April 2g~' 1998, the Board of County Commissioners of Collier County, Florida, approved Resolution 98-106, Ihus approving the Local Housing Assistance Plan. the Inter-local Agreement between the County of Collier and the City of Naples, and the Certification to the Florida Housing Finance Corporation; and WIIERF. AS, the Florida I lousing Finance Corporation reviews the Plan and offers its respective comments and recommendations as to the content of the document, an'dr WHEREAS, the Collier County Department of tlousing & Urban Improvement. has. as a result of discussions with the Florida Housing Coalition and the Florida Housing Finance Corporation, amended the original Local Housing Assistance Plan and added clarifying language to the bm,sing strategies and incentives as described within the Plan, and WI tEREAS, the Act req~,i~es in order to qualify for additional SH.IP. Funds, local governments must develop a new, one to three year Local Housing Assistance Plan outlining the local governments' use oFS.H.I.P. Funds; and 16A2 1 WilFREAS, it is in lhe best interest o1' Collier County to qualify for the S HIP. Funds. and all action taken by the Cot, nty in fi,nherance of such qualification is for & valid County purpose. NOW, Ttll'~RF. FORE, be it resolved by the Board of County Commissioners of Collier County, Florida, that' I The Board of'County Commissioners hereby approves the amended Three Year Local Housing Assistance Plan for fiscal years 1998. I qqc), 1999-2000 and 2000-20OI. 2. The Chairman of the Board of' County Commissioners is authorized to submit the amended l.ocal l lousing Assistance Plan, a copy of which is attached hereto and made part hereof, to thc .State of Florida Itousing Finance Corporation for its review and approval 7 This Resolution shall take cfi'ecl immediately upon its adoption This Resell,lion adopted after motion, second and majority vote favoring same ATTEST: DWIGIIT E. BROCK, Clerk Approved as to t'orm and legal sufficiency Ileidi F. Ashton Assistant County Attorney id/17.~h~p/rcN) BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA i~a~bara i~.' B'br~, ('~hairma~ - COLLIER COUNTY LOCAL HOUSING ASSISTANCE PLAN (SHIP PROGRAM) 1998-2001 Prepared for Collier County and the City of Naples SECTION III IV V VI VII VIII IX X XI SUBJECT PROGRAM DESCRIPTION General Information Proposed Use of SHI.P. Funds Public Input Plan Implementation Responsibilities LOCAL HOUSING PARTNERSHIPS Housing Partnerships HOUSING ANALYSIS SUMMARY Background Rental Housing Housing Units Substandard Housing Employment & Wages INCENTIVE STRATEGIES PROGRAM STRATEGIES AND SUPPORT Impact Fee Relief Housing Rehabilitation Down payment/Closing Cost Assistance Land Acquisition/Transfer Demolition with New Construction Special Needs Housing Emergency Home Repair OTHER Plan Affordability Non-Discrimination Policy Plan Advertisement & Outreach Support Services Affordability Administrative Expenses ADMINISTRATION Budget TABLES TIMELINE HOUSING DELIVERY GOALS CERTIFICATION PAGES 1 1 1 2 3 5 5 6 7 7 8 9 10 11 12 13 14 15 15 15 15 16 16 17 Xll INTERLOCAL AGREEMENT ...... ~ ii Ill I IIIIIIIIIllllll I II IIII I III IIIII IIII I IIIII IIIII IIII IIII IIII ,SECTION I PROGRAM DESCRIPTION COLLIER COUNTY HOUSING ASSISTANCE PLAN: SECTION PROGRAM DESCRIPTION GENERAL INFORMATION Collier County, in conjunction with the City of Naples, is the requesting applicant for funding assistance under the State Housing Initiatives Partnership (S.HI.P.) Program. Collier County, a non-entitlement community, contains a population of approximately 203,112 (1997). Naples is a city of approximately 21,332 (1997), and has been a Community Development Block Grant entitlement city since 1986. The City of Naples' entitlement status qualifies the City to receive automatic funding assistance annually from the U.S. Department of Housing and Urban Development (H.U.D.). The Housing Assistance Plan (HAP.) is a three (3) year plan beginning with fiscal year 1998-99 and ending on June 30, 2001. Estimated resources available for the countywide program is $1,240,387 FY 1998-99, with $135,698 allocated to the City of Naples and $1,104,689 for unincorporated Collier County. These figures are based on the December 1998 S.H.I.P. Program allocation report and are subject to additional funding by the State Legislature in the Spring of 1998. This Housing Assistance Plan sets forth the goals and strategies for increasing the supply of affordable housing throughout Collier County. This Plan meets the provisions of Chapter 67-37 of the Florida Administrative Code and Sections 420.9071 through 42Q9079 Florida Statutes. The City of Naples and Collier County has entered into an Interlocal Agreement providing Ihe County with the authority for the local administration of the S.H.I.P. program. Both communities view affordable housing as a community-wide problem with no jurisdictional boundaries. Housing assistance provided through this program benefits the entire community and not just the jurisdiction in which the housing activity occurs. PROPOSED USE OF S.H.I.P. FUNDS Collier County, noted as one of the fastest growing communities in the United States, has a need for housing that is affordable for the lower income families in the area. This Local Housing Assistance Plan is designed to increase the availability of affordable housing by utilizing various strategies The strategies available under this Plan provide assistance to very-low and Iow income families. All eligible families will be able to receive assistance by participating in the one of the strategies in Section III of this Housing Assistance Plan, PUBLIC INPUT The Collier County Housing and Urban Improvement Department (H.U.I.) prepared this Plan with input from the public and the Affordable Housing Commission. Public input was solicited al the January 12 and February 16, 1998 Affordable Housing Commission meetings regarding the S.H.I.P. Program. The meetings on the Housing Assistance Plan were advertised in the local newspaper of general circulation. PLAN IMPLEMENTATION RESPONSIBILITIES 1 6 A 2 ~ ~1~ The Collier County Housing and Urban Improvement Director and his designee will be responsible for the implementation of the strategies identified in this Housing Assistance Plan. When applicable, the H.U.I. Director will work with the various, local financial institutions in an effort to promulgate and implement the strategies which may require the applicant to secure a loan in order to qualify. Additionally, the H.U.I. Director will be soliciting other county departments, the City of Naples, local builders and contractors, and other housing entities for assistance in the implementation of the strategies. The total cost for coordination and administration of these strategies will be funded by the S.H.I.P. funds and will not exceed 10% of the total allocation. 2 16A2.~ SECTION II LOCAL HOUSING PARTNERSHIPS COLLIER COUNTY HOUSINO ASSISTANCE PLAN: SECTION LOCAL HOUSING PARTNERSHIPS 1 6 12 HOUSING PARTNERSHIP Collier County has always maintmned local housing partnerships with interested groups throughout the area whose input has been sought on affordable housing issues and in the preparation of the SHI.P. program documents Representatives of these groups are routinely invited to attend public meetings regarding the development of the Housing Assistance Plan Their input is continuously sought on the implementation and administration of the Housing Assistance Plan. A few of the existing groups who have been consulted are: 2, 4. 5 7. 8. 9 10. 11 12. 13 14. Collier County Banking Partnership. Salvation Army Transitional Living Center Collier County Extension Service -- Universfly of Florida. Affordable Housing Task Force. Habitat for Humanity. League of Women Voters. Alliance for the Mentally III. Collier United for Rights and Equality (CURE) Housing Committee -- Chamber of CommercelEDC Coalition. Family and Consumer Sciences Advisory Committee. Community Housing Partnership of Collier County, Inc Saint Matthew's House. Collier County Housing Authonty Collier County Housing Finance Authority. The primary group providing assistance with the development and implementation of the County's housing programs is the Affordable Housing Commission. The Commission is an advisory committee made up of citizens representing lending institutions, developers, community-based housing and service organizations, and providers of professional services relating to affordable housing. This group functions as the Local Housing Partnership for Collier County and the City of Naples. The Commission holds monthly meetings that are open to the public. Responsibilities of the Commission include monitoring the City and County's Growth Management Plans, identifying opportunities to network and brainstorm for ideas and solutions to the affordable housing s~tuation. Both City and County staff participate in monthly meetings to provide technical assistance. Other non-profit organizations and individuals are invited to render their advice and suggestions Recent highlights for the promulgation of housing services within the area include: e, Collier County has recently provided a $60,000 deferred loan to the Community Housing Partnership of Collier County, Inc, for the rehabilitation of affordable housing units. · County and City staff are preparing a presentation on affordable housing with the Chamber of Commerce and Economic Development Council of Collier County. 3 · In fiscal year 1997, the Collier County Loan Consortium, Inc., in partnership with the Collier County Extension Service and County/City Government, approved 131 mortgage loans through the Home Loan Program valued at 9.89 million dollars. Allocations for fiscal year 1998 have increased to 11 million dollars. The Program is designed to assist very-low, Iow and moderate income residents who.~a~ ,~, interested in purchasing a home in Collier County. Program benefits include: free home buyer education programs, no private mortgage insurance required, Iow market interest rates, fixed rate/fixed terms and just a 3% requirement for down payment. · The Collier County Extension Service, with support of Collier County government and the City of Naples, is interested in creating a newsletter to provide various information on housing issues, home repair ideas, financing, etc., to all S.H.I.P. legatees. The newsletter will be mailed quarterly to approximately 400 recipients. · Collier County is "leading the way" in seeking membership in the National Partners in Homeownership. National Partners in Homeownership is a public-private partnership formed in 1995 to increase homeownership opportunities in America. The partnership consists of over sixty five national organizations representing real estate professionals, lenders, home builders, non-profit housing providers and federal, state and local governments. 4 SECTION III HOUSING ANALYSIS SUMMARY COLLIER COUNTY HOUSING ASSISTANCE PLAN: SECTION Iii HOUSING ANALYSIS SUMMARY BACKGROUND The Housing Analysis Summary has been included in this Local Housing Assistance Plan to identify the current housing situation in Collier County. An analysis of the local housing conditions for very-low, Iow and moderate income households housing can assist us in the identification of future needs within the County. Affordability is defined as, "a unit with a monthly rent or monthly mortgage payment, including property taxes and insurance, not in excess of thirty percent (30%) of an amount which represents fifty percent (50%) for very-low income, sixty percent (60%) for Iow income or eighty percent (80%) for moderate income of the median adjusted gross annual income" Utilizing the 1990 Census Income Data, as well as the 1998 median income data for Collier County, we are able to identify that a four (4) person family earning _< $27,050 would be considered very-low income. A four (4) person family earning _. $43,300 would be considered Iow income. The 1990 Census also reported on the affordability of housing by identifying the total number of households living in non-affordable housing units. Of the ho;Jseholds earning less than 80% of the median income for Collier County, 10,705 households, or approximately 17% of the total occupied units, were reported as living in non-affordable housing. The need for affordable housing was classified for all areas of the County: CENSUS DESIGNATED AREAS East Naples Golden Gate Immokalee Lely Marco Island Naples, City of Naples Manor Naples Park North Naples Palm River VERY-LOW~ LOW~ & MODERATE UNITS 1,089 1,231 1,161 291 598 1,249 299 728 1,178 213 RENTAL HOUSING There are 5,579 rental units within apartment complexes within the coastal urban area (see Table 1) and 1,192 rental units in the Immokalee area These units were examined in an effort to determine their affordability for very-low, Iow and moderate income persons. The maximum rent limits allowable urlder the State Apartment Incentive Loan (S.A.I.L.) Program, the Low Income Housing Tax Credit (L.I. HT.C.) 5 1612 Program and the Collier County Affordable Housing Density Bonus Ordinance were utilized, respectively, for this study. Of the 5,579 aforementioned apartments, 1,218 (21.8%) units are affordable for the very-low income households. At the Iow income level, there are 2,589 (46.4%) apartment units identified as affordable housing, The number of units available to the very-low and Iow income households has improved significantly since these figures were last reported in the previous Housing Assistance Plan. Of the 5,052 apartment units recognized in the previous Housing Assistance Plan, there were only 435 (8.6%) affordable units for very-low income households. At the Iow income level, there were only 1,562 (30.9%) apartment units identified as "affordable." The Department of Housing & Urban development is presently updating the apartment inventory of the urban area. Updated 1998 information will be available in the fall. An increase of 1,515 apartment units will be evinced in the update. The number of affordable units for very-low and Iow income households will also be shown in the fall of 1998. Figures will show an increase in the percentage of affordable units for both very-low income and Iow income. The median rent for rental units in Collier County in 1996 is $700 per month (see Table 2). The most common rental range was between $400 and $600 per month (39%), followed by $600 to $750 per month (25%).' Tenure patterns in the County indicate that there are approximately 18,384 persons paying a monthly rent. On the other hand, there are 43,319 homeowners in the County (see Table 3). All units investigated meet the affordability criteria at 80% of income households. There are limited incentives available for moderate income households under the S.A.I.L., L.I.H.T.C. or Collier County Impact Fee Waiver or Deferral Ordinances, The 1990 Census provides us with an inventory of units and illustrates the occupancy status for those units. In Collier County, as much as 34.5% of the total units are vacant at one point in time during the year. Nearly 70% of those vacant units are reserved for seasonal residents. It is estimated that during peak season in the coastal urban areas, the seasonal population is approximately one-third greater than the permanent population. It is also estimated that the Immokalee Planning Community experiences an influx of approximately 12,000 people during the winter months which is an increase of nearly 90% of the permanent population. .................................................................................................................AREA - ......... ~'~'~'0[~'~ ..................................................................... COASTAL URBAN 245,746 IMMOKALEE 33,899 HOUSING UNITS In the year 2000. it is estimated that Collier County will have 156,975 housing units (see Table 4). Based on the 1990 Census and the high-range population projections by the County, the number of housing units in the County was generated by dividing 6 the high-range population pr~ections by person, pertotaldwellir, g unitfigures from the 1990 Census. 16A2{ { In 1995, the median value of all single-family homes in Collier County was $136,483. The majority of those homes (30%) were valued at $200,000 and higher (see Table 5). Household sales information can be found in Table 9. SUBSTANDARD HOUSING An important component of the housing market in Collier County which affects the livability-status is the age of the structure. Repairs and rehabilitation costs rise as the age of the structure rises. 1980to 1984 .................................................... i ................... ).9'980 ............................................ ~ 21 127 1970to 1979 ................................................. ~ ........................................................................................................ i 30,099 · ..!.~§~..!~..~.~6~ ................ { ........... i0"7~0 ................................. 1950to 1959 3,416 1940to 1949 ................................................... ~ ........... 727 Prior to 1939 80'1 ....................................................... EMPLOYMENT AND WAGES The employment base in Collier County has increased over the years coinciding with the population growth. The majority of the work force is employed in the retail trade and service industries (see Table 6). The Florida Department of Labor reports that in 1996, the total labor force in Collier County was estimated at 81,500. The service industry has an employment of 24,392 and the retail trade industry employs 18,807. In 1996, Collier County's unemployment rate is 6.0% A steady decline in the unemployment rate since 1992, when 9.4% of the people were unemployed, has made the County a more attractive place in which to locate a family and/or a business. Income rates vary throughout the County (see Table 7). In 1996, the majority of households earned $50,000 or less. Twenty eight percent of the households earned $25,000 or less, while 36% earned between $25,000 and $50,000. 7 SECTION IV INCENTIVE STRATEGIES II. - III · IV. VI. AFFORDABLE HOUSING ADVISOR1 COFddlTTEE INCENTIVE PLAN RECOMMENDi%TION WORKSHEET Name of Local Entity: Collier COUD~Y Incentive Under Consideration: fl The affordable housing definition in the appointing resolution. Current Status: The local government currently does not have a program for this incentive. Explanation of Existing Regulation Regarding.This Incentive: It is important to have a standard definition of what affordable housing is in order to develop programs that will target very low, low, and moderate income families. SHI,P funds in Collier County may be used to provide housing for very low and low income families. AT least 30 percent of the units assisted with SHIP funds must be for very low income families and an additional 70 percent must be ~or low income fdmi] ies. Under the present definition, u::cr~tnl~le ho, using is a unit with a monthly rent cr monthly mort~':~':,-~,,~y::',,~t, including pr~,pc~rt/ taxes and not in ~'>:ce:~: c~: '~ ~',':'.',',nt ~f an amount 'which represent:~ percent (lot v,,ry lc.w :n~'omo) , 80 percent (for low inccre> , cr 120 perc~.nt (: r :':~.<],_',~..,t.- income) o~ the median adjuste~ cross annual in(':,:-,. : :~r' hcuseholO~,~ in the c::unt}'. Explanation of Advantages/Disadvantages of Changing or Adopting this Incentive: ,_'V_iyant~qes: The Affordable Housing. pt'ovisions of the Impact Fee Ordinance define.~ affordability in an identical manner as the . · Housing element of the Comprehensive Plan, which is defined as housing where the occupant is paying no more than 30 percent of incomo for g ro.~:~ hou.~: ing costs, including, for owner-occupied units, pr inc i .t3.'~ ! , interest, taxes and insurance, ~nd for :'c mt e r-o¢'c~: i ,-..! ~::~ i':;, re, mt Flus util ities. The u~e of 30 percent to de,' ~.n,-, ,,t~ordable .,s especially useful in maintaining consist, ency wit ~' ' , ., ,~n., private lending industry'.. 3.'he typical underwriting limit u::,ed in the private sector for housing costs is usually les.q thnn 30 percent of income. The implementation of Collier County's do. wn payment, closing cost and impact fee waiver and deferral prcgram.q are greatly facilitated by this definition as the proqram~: function as a publ lc-private partnership. [)l:.:,).~iyant,-t(£!c,::: .... t A}.,~;1 ic,~ble. Provide an Explanation as to the Negligible Effect or Benefit to Public Health, Safety, or Welfare. [kCz?_f.i_~.t_l}.: I'.~,: d,:.:'~r'.iticn allows participants in the program to retain a signi! icant port. ion of their income for other expenses such as medical trc.,~tmenr, (:hild care, food and transportation. [4p~l._l_j_g, jble Eft.t':qt.5: ,.," ..... ",,~ l<nown Page Two Housing Incentive Plan #1 16A2, VII. Housing Cost Reduction Recommendation: None. Anticipated viii. Recommendation of Advisory Committee: effect. IX. Recommended Schedule for Implementation~ from Implementing this Definition already in Already in effect. Signed:J~ ~~ Date: Chairperson, Advisory Committee Name of Local Entity: Collier County II. Incentive Under Consideration: #2 The~..E~pedited Processing of Permits for Affordable Ho.psi.hq Projects III. Current status: this incentive. The local government does have a program for IV. Explanation of Existing Regulations Regarding This Incentive: Collier County has adopted expedited processing procedures to speed the rezone and approval and permittinq..of developments for affordable housing in Ordinance No. 89-39 adopted July 18, 1989. Vo The affordable housing committee has held discussions with representatives of each of the County developmen~ services departments involving additional expedited processing regulations. Explanations of Advantages/Disadvantages of Changing or Adopting of This Incentive. Advantages: Any reduction in t-ime it takes to process a permit for an affordable hou~n~ project, whether it is for a single home or ~everal hundreds.! u~.i%~ result ~n reduction in the selling pr[ce of the home. %'~.t!:~! for permits, resubmitting rejected applications and c~'/~:' :~na~ ~nq ~'itk mult~p]e !-egulatory agencies is time consuming. !hi~ tr~n~lates ~nto do!Jars when considering that during this per i~d the land payments and interest are accruing and personnel must be paid to process the permits. Each additional $1,000 in cost resulting from permitting delays will add $2,768 to the cost oZ the home over the lifetim, e, of the mortgage. (Thirty Years A.P.R. 8 1/2%) , ~. Disadvantages: If affordable housing projects are f~rther expedited in the permitting process, it is likely that non-affordable developments may take longer to process. vi. Provide an Explanation to as to the Negligible Effect or Benefit to the Public Health, Safety or Welfare. Benefits: Any r,'~duc? ic3;, in the cost of housing makes more housing available to more ~c.,opl,~, e:~pecially those with lower incomes· vii . Housing Cost Reduction Anticipated From Implementing This Recommendation: $2,768 and up depending on how much additional t~me can be rec!:~ced from the permitting processing time. }~age Two Housing Incentive Plan #2 VIII. Recommendation of Advisory Committee: IX. 16AZ m If applying for an affordable housing density bonus which does not involve a rezone, go directly to the Board of County Commissioners for review and approval without requiring public hearing by the Collier County Planning Commission. If rezone is required for affordable housing, set aside two slots at every planning commission meeting for affordable housing issues receiving priority treatment. Decrease the amount of processing fees for rezone applications. Also, decrease fees for site development plan~. If rezoning PUD for affordable housing, amend section 2.2.20.2.4 of the Land Development Code regarding minimum area required; 10 acres - if affordable housing, no minimum area required. Decrease landscaping requirnments and F,~rking reguirements for affordable housing project~;. Minimize stipulations for approval regarding roadways, traffic lights and other developmental stipulations for affordable housing developments. Develop a model set of PUD plans that are sealed and approved to provide to Interested developers of affordable developments, housing Recommended Schedule for Implementation: Ongoing. Signed:~ ~_ sor -6omm tree. AFFORDADLE HOUSING ADVISORY COMMITTEE INCENTIVE PLAN RECOMMENDATION WORKSHEET I. Name of Local Entity: Collier County II. Incentive Under Consideration:_f3 ~gdifications Of .~t Fee III. Current Status: The local government does have a program for this incentive. IV. Explanation of Existing Regulations Regarding This Incentive: Impact fees for affordable housing are waived or deferred under impact fee ordinances. All impact fees are-,~aived for very low income first time home buyers, 50% are w~i d and 50% are deferred for low income first time home ~uye[, and moderate· income first time home buyers can receive a ,5% eferral of their impact fees. Impact fees for rental housin el,her a six or fifteen ....... - ....... g e deferred for · ;=~,- p~-rloa with varlou efer . de~)ondin~] on the n~~ ~,- . . s~ ral options . .,. ,, ~ ......... ,,'er}, low income and low income [enan~.,. Ihere .are .repayment requirements and e~erral$ must be repnid either in slx or : ::t,:en years depending on the options selocted by the developer. Rental projects must be maintained as affordable housing ~or a '~:"'mum of fifteen years under these programs. ' ...... Explanation of Advantages/Disadvantages of Changing or Adopting This Incentive. vi. Adv'~'~.!.-t-qges-'_ Currently, impact feeS,for a single family dwelling unit are between $4,300 - $6,300 depending on where the unit is located within the county. Multi-family impact fees .are between $2, 30(3 - $4,300 per unit depending on the the location of the unit 'within the County. These fees are a substantial Proportion of the cost of affordnblo d'..;elling units, and any red{~ction of these fees J ncreases the ~conomic feasibi ] ity of" provi'~'ing aftordable housing. .. Provide an Explanation as to the Negligible Effect or Benefit to Public Health, Safety or Welfare. Bemt~_ i_tl~_i A reduction in impact fees will increase the availability of newly connt:-u,,t,~d housing for very low, low, and mod~r,]t,~ irl(:o:,,.,, famj ] jr'.: . VII . !i°gligib!.' t';l~r.~'t~:: N'!., :':. '....:':. Housing Cost Reduction Anticipated Reco~unendation: From Implementing This Up to $6,300 per unit i.c realized from infrastructure impact fee relie~. Additional affordable housing could be built with a(lclJt, ional impact fee waivers and deferrals. Two }{ousi~]g Incentive Plan #3 VIII. Recommendation of Advisory Committees Collier County should increase the amount budgeted to reimburse the impact fee funds for fifteen year deferrals for affordable housing projects. IX. Recommended Schedule for Implementation: Define funding source and budget funds for granting fifteen }'ear impact fee deferrals for affordable housing for very }.ow and low income families, by December 1994. Signed: . ~ ~.~.~_ ~ c~i~per~on,-A4vi~Y Committee oo I. II. Iii . V o VI. VII . AFFORDABLE HOUSING ADVISORY COM~ITTEE Name of Local Entity: Collier County Incentive Under Consideration: .~4 The .Allowance of Increased ~nsit~ Leve]s_~. ' ' Current Status: The local government does have a program for this incentive. Explanation of Existing Regulation Regarding This Incentive: Collier County has adopted an affordable housing density program as a portion of the Land Development Code. This program provides increased denr:ity for housing that is affordable to very low, low and moder.,tn income familien. This program has been' used for the development el L'oth rental and ownership affordable housing with incren.nrM d~:.nsit':' levels. Explanations of Advantages/Disadvantages of Changing or Adopting This Incentive. A__dvanta_Ges: The affordable housing density bonus program does not need to be amended. The incentives are very good and the procedures are not difficult to use. Di-~!Ad_39U~taqe:~: ,,c~ Applicable. Provide and Explanation as to the Negligible Effect or Benefit to the Public Health, Safety or Welfarez Benefits: The affordable housing density program allows for additional units which increases the supply of safe, decent affordable housing for very low, low or moderate income families. Continued marketing of the program should make it more widely used in the future. ~ ' Neg~k_ic_qi_hl(~ !.:~ ~*~:c.t_~_;. None. Housing Cost Reduction Recommendation: Anticipated From Implementing This A value el~ approximately $4,000 - $8,000 per unit is saved as calculated by the cash contribution factor of the affordable hour;lng don:;ity bonus program. The market value of the affordable housing density bonus allows reduced r~-,nt':; or reduced land costs for home ownersl~ip units. Housing Incentiv~ Plan #4 VIII. Recommendation of Affordable Housing Committee: Continue to aggressively market the affordable density bonus program. IX. Recommended Schedule for Implementation: Ongoing. Chair~erson~ -Advisory 6ommittee I. II. INCENTIVE PLAN RECO~ENDATION WORKSMEET Name ~f--L~: ~-'lier County I n~nt~e Und~~nslde~~ .... ~.>.. "'" - Reset-vat io~ - Ill . program IV. Explanation-of Bxisting Regulation Regarding This Incentive: t-o--thc P~Yv-i~--of--t~be-6i-owtqg-q~ement A~' (~lorida Statutes, ........... y ~=v~~}e~~l Ic%'ir~ facilities * * F~ew~r deve top y--*g ~ yen- -ar-e ..... '~-v~able f~ th'e new d~~~t~b~-~%.~~ of these , ~t--i ~ t~*--eo~ ~ ~ -. ~.<+.- P ~'~~t~e-~v i cc :; The --type~ --o! , -, n! re.~t-~,etu~,e th~ a~e--~[--primary .... -~-- for ~tffordab~e hc;;:4inu i:~ t~of ~~ .... ~ .... ~ . de vein t-~i~.. £-rast-ru6t4u-~e---i~--pr~vldcd .pon de.,-~,,d through d .... i ty I a ye I = fees .h.~ ~ a- ma]~ cost to ~,,)- type of ~teve4opment-.---g)~-~d~,,.~n.;,nt:;,' i~ .~- -- - t~- waive ~r-di~eount-~~~:f==~-=~ t~- ~ype -~f development, such as nants bond fo~--~-~efe{~ connection payment or. a ~- d .... ~o[ ...... '" = ...... :--= ~- pay th ~...~-~ficatc. .."~--cccupancy rather '~-'~,,~. plat s~pla,~ati~---e~---Advanta~es/Dis~_dv~_ntages ~-__ ~---i.~.g_.._..~ ~-_. Adeptin9 t-bi s -~t%oet%t-iYe. '~ on - t,he vi. VII . Vi I I . I :,: . Pubt-i~'--'He~l th, Sa f~y, o~--We-l-f-a~e. None knowm. Recommendation of' Advisory Committee: ttt i t t t y <',,...,~< ~ ion ieee. Reeommende~-~e4~:~ute--f-or--A~o~ement-at~om: Chairp/rson, Advisory' Committee INCENTIVE PLAN RECOMMENDATION WORKSHEET I Neme of Local -. · ~,t~ty: Ccllicr Csunty II. t noent-ivc 4A~de~-~<~n ~ ~r~%t i o . ~-~-f-ina-~i meeha ' . . III . IV. .... i cc~~ve~me~,t pr~r~m for th-Ls--4-nccnt irc. currently d~c- n_~ have N o ~e. ~x pta ~mon--o f -A~va n t~agee~q>~saSva~ge= ,o kh-i~~mi~e: f-r~m~~t~~n~,, ~-- .......... may bc~ =cparat~ ~ng ~e~ . -The--~oe-~ , c ...... ~i~ J~~'_ r ..... a~ ~~~ would 't~t ~i!iz~d tc gcncra~ ~f for~ebl c --ho~i~~.nds ~m- t~~t~pcrs cf ...... c. ' V I . P r o v i d e--a rP-E~ p~at-i-~n__a~_4~e_ P u b 1 { c- H eat t hT - Sa f-ety ~-o~_._W~4~ f~.r_e. vii . N~using - -Cost- Reduo~i~)n ...... An~--i(~it~at-ed -F-r-om---~m,-*, ..... ~4 -. ,.,..~. ~eeommendat4on~ _.Va~_zab4~m_depe~d4_ng_~n_~eas4~uf__i~.veici:.g al lowed. Two Affo~-dab]e Housinq Incentive For- ...... ~onsequent pa r t i ~ 1 a ~--pa-~e%-would-~v~-~- -the- owner--.of .-the -senc~ing-property--whateYe{--~mpe~~e, or she-deemed appropriate; and fee---time~- the~ .number -of ap~ ov~-~n .... ;rig prope~.~y. ~n praot ica] ~ense, such- an approach would t i4~ety lead - to t-r-ansfcrs-~3~e~:~=ing-p~a~-i iF -~om ~e~r~-~rtion of Col 1 icr County--to.-the-e~ st~t--.-ar~s-, ..... t-t.- wou td-~ theref-o~~~9i~l that--~me -timer would be required on the TDR, either-.~-~--~ *the.- -esta L~i-;, .~;hmen~ --of--~- ma~im~g~--~mbe~--of-, deve!opment rights, ~peei-f-ica-t 4 y- -egua~---to--o~---greater---t4%a~T~ -~hat '........ '~ ;-~ ~...-~ A -.~^ t r e n sf-e r-r ee~- t o-o n y--pa.r~--~ r--~r-o~o~-~--or k.. --a ....... t im4t on - t41e- TDR---l~o--.ge-r-%~4n....ge~aphio--ar- ' ' VIII . Reoommend a t-ion- of---Ad v-i~mmi-~=ee: DNo--T=.~ ~--1~--]~_~ on.. more pi be- ¥ e~y--ef-f eet-i Ye---i n--p r et ee ~44~3-- open--spa~e.T-agr lc'--' I t'-' ra4---t~aa4s a nd/-or---- env-i-r-onme~taA t-y-- proper - - eontr-o4-~ ..... t-his .... toot -eou~d- ~ c~a~e--an imbal~r~cc of development in-t-he--coa~ta-t--ereos--of- Co-l-bier---C~unty-~--44e--~et-ieve that a wet. ] .... t~ught--- ~---TD~-- or~in~e~-~ou.~d--~~~ purpose -ol ~aving se~iti X I . Reoommended-.Sohedute for- Zmptomen~&t. io~: ~ o n s i d e ~: - ei~ve%opi-~?- f~r~9, r n n-. by -- D eee. mbo n-49 94. S icjned :<<~.,~._.'::~,_ c.'....,,,~.,,,...~'..,,.c//l. Date chairp, erson, Advisory Committee INCENTIVE PLAN RECOMMENDATION WORKSHEET I. Name of Local Entity: Collier County II. Incentive Under Consideration: F7 Reduction of parking and ~; e ~t_ba_.c_ k__ r_~e ~tu_i r o____m_e n t s. . ....... I Jl III . IV. V o Current Status: The loca! government currently does have a ~)1-ogram for this incentive. Explanation of Existing Regulation Regarding This Incentive: Collier County has reduced parking and setback on low and affordable housing on an individual project basis. Explanation of Advantages/Disadvantages of Changing or Adopting this Incentive: ~'~%Yan~agg~j. Not all projects are reviewed as Planned I)ev<']opments. ~t i~: r,~.~:m?~ended that the I.~nd ~evelopment Cod(. ~.o amended to allow fo:- adm:nistrative approval of parking and ~etbnck relief for all af:crdable housing projects. [)i.lU!~l--v-{~.n--t.33~9~ There ,~re :~ome affordable housing projects that (~o not fit the mold of most developments - such as elderly ~ouning. Projects for the elderly must either provide excessive amounts of parking or undergo a variance procedure that may or ma,~' not allow a reduction. vi. ]ding the parking or undergoing the variance procedure adds t>(~th time and money to the cost of t~e project. These costs must J~()rno J~}, th~, develop ~t which must then increase the cost of un[t~ to the recipien%.~. Provide an Explanation as to the Negligible Effect or Benefit to Public Health, Safety, or Welfare. ,, .,, .L~eJ!~fi__t.s__t: The relief of parking and setback require~eDts can reduce costs of housing and therefore increase the number of ,~vailable units and lower the final cost of the housing to the VII . i!,'~g_l j g ~ [~._.~.~.£~.t None Known. Housing Cost Reduction Anticipated }{ecommendation: From Implementing This 'zi,::: (t,.[),,n,.,!:; ¢:n th~ :;i;:c. ~.,: th,? project. VIII. Recommendation of Advisory Committee: After reviewing the handout regarding the reduction of parking and setbacks requirements and the Collier County Land Development Code, we submit the following recommendations: Allow for elimination of stripping of general parking areas over five spaces or skip spacing (one line for every two spaces). Increase compact car spaces from 25% to 35%. More and more people are driving smaller autos. The auto industry is gearing itself for additional compact ~roduction. Parking should be reflective of this change. Allow for "Multiple Parking Areas" or common lots. Promote the shared parkinq concept where applicable. Haintain 1.5 parking sp~-~ces per unit for multi-family. A1 lo,.,, .~,.'~'~(;ndary parking areas to be constructed of a limerock base and :~ur~'aced with mulch. This acts as a porous base that as:; i s,t ~ in drainage and is less costly/expensive to install and maintain. Allow administrative parking variances especially for Senior Establishments. Promote the use of one way stree%s to reduce paving areas. Reduce right of way widths. xI. 1~3. Rear and side setbacks of the project should be reduced in cases where the project abuts a similar project. 11. Encourage parallel parking in areas along roadways., Recommended Schedule for Implementation: Chairper/~on, Advisory Committee INCENTIVE PLAN RECOMMENDATION WORKSHEET Name of Local Entity: Collier County II. Incentive Under Consideration: ~8 Allowance of Zero-Lot Line Confiqurations III . Current Status: this incentive. The local government does have a program for IV. Explanation of Existing Regulation Regarding This Incentive: Collier County Land Development Code provides for zero-lot line configurations· For projects that do not .qualify, there is a variance procedure available. ' .... Explanation of Advantages/Disadvantages of Changing or Adopting this Incentive. Advantaqes: Zero lot line configurations are a crea'~ive way to increase the spatial advantages of property so as to allow for better on-site amenities as well as reduce development costs. [~_[~]~Jy[![!Da_~3es: Care mus~ be- taken to avoid overcrowding of units of poorly planned site ]a':'ou~f;. VI. Provide an Explanation as to the Negligible Effect or Benefit to Public Health, Safety, or Welfare. Bene[ its: Zero-lot line configurations can reduce costs cf hou:~inq and therefore increase the number cf the available units and lower the final cost of the housing to the occupant. vii . Neg_~g. ible Effects: None known. Housing Cost Reduction Anticipated from Recommendation: Depend[~ cn size of project. Implementing .this VIII. Recommendation of Advisory Committee. Amend tho Zoning O:-din;~'..',: to allow the arjmin~strat]ve of zero-]o~ ]]ne conficu:'ations ~or affordable housing pro~cts. IX. Recommended Schedule for Implementation: Conmidcr amendments by December of 1994. Chafrpe~rson, Advisory Committee AFFORDABLE HOUSING ADVISORY COMMITTEE II. I I I. Our-~e~--q~t-e-t=u.s~ The--t~ea 1 g~ver-t%men-t-does--not---h~v~ a ~P~$.~em f or IV. Exptana t-ion-~) f---Ex-is t-ing--Regu-t a~t-ior~-Regar-di ng-T ~is-- I-neen t-iv e: Vo Ex p t ana t-i on ---o f-- -Ad va nt~ag e s~-D-i-$a d va nra ge s ~ o f--Oha ng i ng---or--Adopt-i ng tq~J~--I-n oen4;-i-¥ e. t~i.~;a,tvdt~t ~g~,,;: Care - m~l.~l:= .... t)e ......t--ake.n ..... to d e ,/e } ~Lr.~::t e n t-~- -a .-3--- wet t--~ -'~--~u-t>~-t-c- - ~-a f-e t,/y. VI. Provide an Explanation- as to. the Negligible-Ef--feot-o~---Benefit to Public Healthi--Safetv~-- or -Wet-fare. B_e._r_]_*~i: _i t.tL.: - The--mod i-f--ica-b-~orr---of---st-r-eet---- setrback- and~ ~de'wa-t k ~,equ-i re,~e-nbs-can---reduce--~os-t-5---of-hous&ng---and-bher~r-e, i-hellene .~,he - n~mber-- eS--ava i4-ab-}e---un-i-ts- and .... -tew~---the--P-Pna-i eos-b~of----bhe h(-~t~4~f~,t t (., the occupar~t . VII. Housi-ng Cost-- Reduot-i-on. Anticipated from--Implementing--this -Recommendation: .... Depends- ,,n size-of- -the-p~ojeot. VIII. Recommendation of Advisory Committee: Cons ider a mechanism -.wheue-a.f-fo~dabte--hous_~nrj-j)r-o_jeet_s__t_hat___er_e not- Planned Developments --may-- obt-ain -adm-ir~istrat-ive st-re, et .~ebback .... and ..... .~ ~,.iewa-l-k ---~ eq u-i-r-eme n t-s---p r-er i d ed eer-ta i n eri-teria are met. IX. Recommended-Schedule for-Impl-ementation: (=<~..~ td.,er--zoni nq a.-.,,en,.],,,,~ ..... Chairpe/son, Advisory Committee .... I I ' III I II IIII IIII I ............ I IIIIIII IIII .... IIII i I I1 IIIIII IIII II1! AFFORDABLE HOUSING ADVISORY COMi~ITTEE INCENTIVE PLAN RECOMMENDATION WORKSHEET Name of Local Entity: Collier County II. Incentive Under Consideration: ~IQ The establishment of a process b~ which a local government consideys~ before adoptio_qs~n ool[cie:L_procedures, ordlnancq~, regulations, or plan provisions Lba~_bAL~q__D ~_qnificant Jmgact on the cost of housina. III . Current Status: The local government currently does have a program for this incentive. IV. Explanation of Existing Regulation Regarding This Incentive: Collier County has adopted an executive summary and fiscal impact statement (ESFIS) . The %ntent of the ESFIS is to provide more information for the board and affected citizens with regard to the ~urpose, need and costs of proposed resolutions and ordinances of a regu]atory nature. Under the ESFIS, a consistent format is used that re¢:uire:~ the first four sections of the ESF!S be completed and approved by %he County Commission, prior tc the s~aff drafting any new i-eguiations relating to the Comp'rehensive Pl.:n and I.,and Developmont Code. This pre-review process is aimed a~ correcting instances where ~taff uses a great deal of re.source:-; in developing proposed regulations, when there is a ]nck of firm Board direcEJon and consensus as to the need for the p~oposed regulation. V o The fir.st four sections ¢)f' the ESFIS that are required prior to thc. county directing staff to draft new regulations, does not includ<, information that pertains to the fiscal impacts that the [~:-c~;o'.~:~.t ~'eg~lations wi I I have on the cost of housing. Fiscal ~:,~'~ ".~ dealt ',,'[t.h ~', ~:.,:,,.: :.:>n 5 of the L~..~S In the ,~ast this Explanation of Advantages/Disadvantages of Changing and Ad~pting this Incentive. , ;_'. 5t3' f!.[l_t_. ;l q g %_:_ T 1] e c u r r e n t ;icco;npl i.,;h its objec:tiv,~. process established (ESFiS) should ltousing Incentive Program #10 1 6 A 2 v; 4 VI. VII . VIII. IX. Provide an Explanation as to the Negligible Effect or Benefit to Public Health, Safety, of Welfare. Housing Cost Reduction Anticipated from Implementing this Recommendation: Varies depending on how regu 1 at i c::.~; reciuced bv t!~i.':', pFocoss. Recommendation of Advisory Committee: The current ESFIS should be amended as follows: What ne'.,' or changed conditions c r ea"~t e implementing this regulation at this time? the need for ......... ~ ........ regulatzon duplicate, parallel o:- e:.:pand upon ,*.:~y o:.:i:~tJng loc,:~l , regional, state 3. l)o(':3 ' !:<' : :',.},~ ::,-'i ;',.:gui,:t i.:~':', :rig:Ii ficantly affect hO~:; iii':: . Tho }io~::'.{,- ~ ~:nd Urba,, im~)z'o,/oment Deoartmen'. wi i ~ be .... ! on~,l,J~o ~o}- ]-eceivj nc, before adootio~ .... po~.~cies, Rt'~2ilC!]!% U_gtll, etd inances,~qulat ions, or plan provisions to ~JS_~PSiNk~f? ~f there may be a si~lnificant imoact on the cost of hg~J_~lJJ]q .... ~3.nd submi t find i nos to the Board of County Recommended Schedule for Implementation: Signed: Committee Date: AFF't RI~AI~I,I'~ t((~L.JSI t;s~ ADVISORY COMMITTI-]I.: INCENTIVE PI,~N RECOMMENDATION WORKSItEET 6 ~. 2 ':" ~me- o f-- Loca-t--E n t-i-t y .'---~o-t-~-[ er-- Cou.n t- y II. III . Current- gtatus .... ........ IV. ~xptanat-ion- of-- R×-ist-ing--Regu tat-ion--Regarding--This -I-noen. t--i.ve: V o Explanation--of---Advantages/Disadvantages-.of Changing-or-Adopt. i-ng -this-Incentive: ?iz~irH!t_.~tg~_~_;. An- inventory of- parcels .... suitable for-- ~af-fordable wi-it be cter;~iE-ied~ - maintained--and--- managed; ....... {-~ .... wi-il non-revenue generating--and- non-tax---produci-ng-prope-rties--to r.~b!e st:~,tt~s.- --tr. -wi I t -also-st-imu-tahe- the--economy---with--the ['?i2J!'_-Lx,~O_L2!£Jtl~_; It a land bank ii;- to--rely on ta~ -delinquent propertie~, the maximum processing time can take two - five year~. Cost in conveying property- coupled--with-.quiet- .... tit-te ~t'. ~c~n mt~t t~e ft~uied. Tax deed e;a]e~ are t~able to interested parties complete contro't, over--the--conveyance--process due--t-o- - o[)e n- - b i dct j ng -- a t-----t a x- s ates. ' vi. Provide an Explanation as to the_Negligible Effect--or. Benef-it-.te Public Health, Safety, or Welfare. B.%n_e_[ [__t-~j - A<ieqt,,a t:e. --s i: t-:e~ ---for-. a f f ordebte----housi-ng---wi-} } ..... ~-nc r~'as e the .~;up}) tv. of hous;incl, ava.liable for- vecy- low,--- t~,~v---and- ~,,,_~d'e.- ,~.t~ _ VII . Housing Cost Reduction Anticipated from Recommendation: $':1,0()0 - $10,000 per-unit. Implementing this i,~n,'_l co:;t:.~; ~'o,.]~ction:; from- low cos;t acquisibion--or -donation. v. III. Recommendation of Advisory Committee: Start a lr:t:,,i t~ank program for suitable affordable housinc3 pro[:)e r-t i e.~;. -) id.o. [)reapprove(i---house -plans and--other---per-tmLz-_~---[o--home o%~,ner.~ an,i :~ingte -fami]y builders -who -wi-it prod~-~ce--housing ;~ff<)r-dabte fo:' very lo;vi-- tow- or--modera~e hQme--buye.~:s. IX. Reeommended-Schedule-for---Imptementat-ion: Develop land banks- su-itabte . for affordable--housing .... by--Decembe-r Com3nittee Date: SECTION V PROGRAM STRATEGIES & SUPPORT COLLIER COUNTY HOUSING ASSISTANCE PLAN: SECTION V PROGRAM STRATEGIES STRATEGY I: IMPACT FEE RELIEF DESCRIPTION: Homeownership: Impact Fees imposed on new construction of single family units for very-low income first time home buyers~ may be waived or deferred provided the applicant meets ail the qualifications established in the Collier County Impact Fee Ordinances. The participant must occupy the home as his/her/their permanent place of residence. The maximum amount of S.H.I.P. dollars allotted per unit is $6,500. The assistance is in the form of both a waiver and/or a deferral. Impact fee relief is a zero interest, 15 year deferred payment loan. Recapture terms include a secured second mortgage to be paid full when the dwelling unit is sold, or a loss of homestead occurs, or refinancing occurs. The average amount of home ownership impact fee relief paid with S.H.I.P. dollars ~s estimated at $6,000 per unit. This strategy is an ongoing policy and is funstioning as intended. ' A first time home buyer is someone ,,',/ho hasn't owned a home as their principal place of residence in the past three years. 8 STRATEGY I1: HOUSING REHABILITATION DESCRIPTION: Homeownership Repair: The Housing Rehabilitation Program is targeted for very-low income homeowners throughout the County. The program encourages the use of volunteers and skilled labor to completed the needed repairs in order to help minimize costs. All identified repair work will include improvements needed to correct housing code violations and/or deferred maintenance. Funds for homeowners will be available in the form of a deferred payment loan at zero percent (0%) interest, with repayment upon sale of the property, loss of homestead, refinancing or thirty years. The maximum amount of S.H.I.P. dollars loaned per unit will be $15,000. The average amount of homeowner rehabilitation paid with S.H.I.P. funds is estimated at $10.000 per residence. Rental Repair: Funds will be available to property owners to correct housing code violations, provide handicap modifications and rehabilitate property. Funds will be available in the form of amortized loans for up to twenty (20) years, with an annual interest rate of five percent (5%). Property owners will be required to provide two dollars ($200) of private funds for every one dollar ($1.00) of S.H.I.P. funds contributed. Other funding sources, such as Community Development Block Granls (C.D.B.G.) may be sought to supplement this program. Landlords must rent their units to very-Pow and low income persons for a minimum of 15 years, or the duration of the loan, whichever is longer. Compliance will be monitored annually by the County. Rental housing offered for sale prior to the end of this period or have remaining mortgages under the Program must be subject to a right of first refusal for purchase at the current market price to eligible non-profit organizations that would provide continued occupancy by eligible persons. The maximum amount of S.H.I.P dollars provided per unit will homeownership and $5,000 for rental properties. The average rehabilitation paid with S.H.I.P. funds is estimated at $3,500. be $15,000 for amount of rental State mandated maximum price per unit' The averaqe price per assisted unit: $118,264 (Existing Units) $106,365 (New Construction) $65,000 9 STRATEGY Ill: DOWN PAYMENT/CLOSING COST ASSISTANCE DESCRIPTION: Down payment/closing cost assistance will be available to very-low income first time home buyers in conjunction with rehabilitation or emergency repairs for any existing dwelling unit. Additionally, down payment/closing cost assistance will be available to very-low and Iow income homeowners participating in the Demolition or Land AcquisitionfTransfer Programs. This is available for single family, villa, duplex and condominium units. A thirty-year deferred payment loan of $2,500, with zero percent (0%) interest, will be prowded to first-time home buyers for assistance with their down payment and/or closing costs. In addition, a deferred payment loan of $2,500 with zero percent (0%) interest can be provided for rehabilitation or emergency repairs for the qualifying unit. The combined deferred loans of $5,000 will be secured by a second mortgage to be pa~d ~n full to the Affordable Housing Trust Fund when the dwelling unit is sold, or a loss of homestead occurs, or refinancing occurs. All recipients must declare the dwelling unit as their principal place of residence. State mandated maximum price per unit: The avera.qe price per assisted unit: $118,264 (Existing Units) $106,365 (New Construction) $65,000 10 STRATEGY IV: LAND ACQUISITION/TRANSFER WITH NEW CONSTRUCTION DESCRIPTION: Collier Counly has recently initiated a land acquisition/transfer program. The initial focus of the program is the acquisition of vacant land which can be developed for affordable home ownership opporlunities. Some of the acquired properties will be obtained by the County through delinquent property taxes. The funds will be applied to the cost of clearing title and/or purchasing property and increasing the scope of the program. Acquired lots will be made available for purchase by very-low income families and non-profit organizations. Those very-low income families who qualify for the program will be permitted to take advantage of either the Impact Fee Relief or Down payment Assistance opportunities. Comr'nencement of construction for owner-occupied dwellings will be required within twelve (12) months of closing on any acquired parcel or within twenty-four (24) months from the end of the applicable state fiscal year, whichever is first. The maximum amount of S.Ft I.P dollars provided per property shall be $5,000 grant. No provisions are required for the recapture of the funds. State Mandated maximum price per unit: $1 O6,365 The averaqe price per assisted unit: $65,000 11 STRATEGY V: DEMOLITION WITH NEW CONSTRUCTION DESCRIPTION: Collier County, through the Housing Assistance Plan, has initiated a demolition program in conjunction with new construction. A thirty year deferred payment loan of $5,000 with zero percent (0%) interest is provided to very-low and Iow income homeowners of substandard single family dwellings found not to be possible or cost effective for rehabilitation. The deferred loan will be secured bya second mortgage to be paid in full when the dwelling unit is sold, or a loss of homestead occurs, or refinancing occurs. The loan will be applied to the costs of demolition. The County is presently exploring the possibilities of donating selected substandard mobile homes to local scrap metal or recycling establishments in an effort to reduce the costs of demolition. In addition, participants qualifying for this program will be allowed to take advantage of either the Down payment Assistance or Impact Fee Relief opportunities. As a result, the participant may have an increased chance in securing a loan for new construction. State Mandated maximum price per unit: $106,365 The averaqe price per assisted unit: $65,000 12 STRATEGY VI: SPECIAL NEEDS HOUSING DESCRIPTION' Down payment assistance will be awarded to not-for-profit organizations serving special needs clients for the purchase of homes and/or apartments. The not-for-profit organizations will be selected on a first come-first serve basis. The assistance will be in the form of an interest free deferred loan. The non-profit organization must rent the units and/or make them available to very-low income and special needs residents for a minimum of fifteen (15) years. Compliance will be monitored annually by the County. Rental housing offered for sale prior to the end of this period or have remaining mortgages under the Program must be subject to a right of first refusal for purchase at the current market price to eligible non-profit organizations that would provide continued occupancy by eligible persons. All strategies of the Housing Assistance Plan are available to those persons with special needs. For example, special needs individuals may participate in the Rehabilitation and Emergency Home Repair programs in an effort to make housing modifications such as handicap ramps, grab bars, guard rails or other necessary additions and/or repairs. Individuals are accepted on a first come-first serve basis. The maximum amount of S.H.I.P. dollars provided per unit will be $3,000. 13 STRATEGY Vlh EMERGENCY HOME REPAIR DESCRIPTION: Collier County will initiate a program geared toward emergency home repair. The Emergency Home Repair Program targets very-low and Iow income home owners who will be accepted on a first come-first serve basis. Priorities will be given to elderly and handicapped home owners whose homes need repairs to correct life threatening, health and/or safety defects and energy efficiency. Corrections will also be made in order to aileviate exposure to natural environmental elements. Funds for home owners will be available in the form of a thirty year deferred payment loan at zero percent (0%)interest. Recapture terms include a secured second mortgage to be paid in full upon the sale of the property, or a loss of homestead occurs, or refinancing occurs. The maximum amount ofS.H.I.P, funds to be loaned per unit will be $5,000. Funds shall be utilized to pay the cost of actual emergency repairs and other associated expenses necessary to assuage the urgent housing repair needs. State Mandated maximum price per existinq unit: $118,264 The averaqe price per assisted unit: $65.000 14 SECTION VI OTHER 1 COLLIER COUNTY HOUSING ASSISTANCE PLAN: SECTION VI ' OTHER PLAN AFFORDABILITY All strategies relating to home ownership will comply with the income limits adjusted for family-size, established by the Florida Housing Finance Corporation. The monthly mortgage payments, including allowance for taxes and insurance, meet the affordability criteria (housing costs should be approximately thirty percent (30%) of the households gross monthly income). The rental units receiving assistance under this Plan will comply with the rental rates of units adjusted to bedroom size, established by the Florida Housing Finance Corporation. NON-DISCRIMINATION Discrimination is strictly forbidden on the basis of race, religion, creed, color, age, sex, familial status, marital status, handicap or national origin in the use of S.H.I.P. dollars. PLAN ADVERTISEMENT AND OUTREACH The Department of Housing and Urban Improvement will advertise the availability of the Housing Assistance Program at least thirty (30) days prior to the beginning of the application period. The Department wilt publicize the S.H.I.P. Program via newspapers, public service announcements, lenders, realtors and various neighborhood organizations. SUPPORT SERVICES The County and the City provide information to all participants of the Local Housing Assistance Programs regarding othur existing community services that may be able to provide additional assistance. These supportive services can include home owner maintenance money management services, transportation assistance, etc. Job training opportunities are also available through the Collier County Cooperative Extension Service. Some of the support services available to S.H.I,P. recipients in Collier County include: Job Training Partnership Act/Workforce Council of Southwest Florida Meals on Wheels Help on Wheels Good Wheels The Collier County Division of Social Services 15 16.fi2 6 7. 8 9 10 11. 12. 13. 14. Better Living for Seniors The Collier County Council on Aging Tri-County Nutritional Program Tri-County Senior Services (Our Place Senior Center) Senior Friendship Center-Health Services Senior Community Service Employment Program Consumer Credit Counseling Service Paint Your Heart Out Naples Collier County Extension Service AFFORDABILITY Housing that is affordable is defined as monthly rents or monthly 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 subsection (19), subsection (20) or subsection (28). However, it is not the intent to limit an individual household's ability to devote more than 30 percent of its income for housing, and housing for which a household devotes more than 30 percent 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 percent benchmark ts. 420.9071 (2) F/or/da Statutes]. ADMINISTRATIVE EXPENSES The administrative responsibilities for the S.H.I.P. Program are to be completed by the Collier County Department of Housing and Urban Improvement. Ten percent (10%) of the total S.H.I.P. funds that will be used for the administration of the program. The resolution stating the percentage adjustment is attached to this Plan. The funds will be used for employee salaries, office expenses and any other expenses required to facilitate the implementation the strategies indicated within this Plan. In add t on some of the funds will be used to produce a questionnaire-type survey that will be targeted at the local builders and developers in an effort to provide the citizens of the county with a list of single-family units priced between the $50,000 to $80,000 range. The information collected from this survey will be included in a brochure and made available to potential very-low and Iow income first time home buyers and any other interested parties. 16 SECTION VII 16A2~q ADMINISTRATION COLLIER COUNTY HOUSING ASSISTANCE PLAN: SECTION VII: . ADMINISTRATION ADMINISTRATIVE COST BREAKDOWN Figures are listed as percentages ACTIVITY 1998/1999 1999~2000 2000/2001 1. Staff Salaries 54 54 54 2. Other Staff' 16 16 16 3. Office Supplies 17 17 17 & Equipment J 4. Advertising & 8 8 8 Copying 5. Miscellaneous~ 5 TOTAL t 100% 100% 100% Other staff includes Social Security, regular retirement, health & life insurance, etc. Miscellaneous may include encumbrances for studies, surveys, travel, etc. 17 SECTION VIII TABLES 0"1. (/") Cf) (/.~ (/) CD 0 0 _.~ 0 O~ Z ITl z 0 0 o~ CD O3 LO ~ O O3 0 © o ,o ~ ? 0 0 0 0 0 0 0 0 0 0 m 0 16A2~' m 70 0 ~c © 0 CD D .ID 0 0 0 0 0 ~qc 0 0 0 0 C) C~ co,o Io,o 0 0 cf) o Gq 0 0 © 0 O~ 0 Po 0 ~n 0 ~ + Z C 0 -0 $ X D 0 0 © © © (D Units o 'o b b b o o 'o 0 0 0 0 0 0 0 0 .--.I ITl Z "0 1:13 ~r-' m TABLE 4 HOUSING UNIT PROJECTIONS 16A2 AREA U_ n'in.c_orporated Total :City of Naples _E_vefglades City County Total 1995 2000 ; 2005 104,325 16,124 2O6 120,655 139,889i . 179,910 16,8741 17,624 2121 217 156,975~ 197,751 2010 224,~1-~5 .!_8,_3Z.4_ . 2_23_ 243,112 Source Coil/er County Plannmg Department ii · - - IIII I II IIII I ........ '11 0 0 0 Retad Trade Wholesale 'Trade Agricullure SoFvico Induslry CollSlrucl~on Government ITl F:, F ..-, m.-< Manufacturing Financial Services rtl .-I-. SECTION IX TIMELINE X X X X X X )~ ~ X X 'X ~ x ' .x ~ o X x x ~ X o 1 6A2 ~ ~ SECTION X HOUSING DELIVERY GOALS © © F: 0t CZ) ¢7: 16~2 .................................... ~,l~ ................... II ......... III I IIIIIII SECTION XI CERTIFICATION CERTIFICATION TO FLORIDA HOUSINC, FINANCE CORPORATION LocaI©ovc:'nment' (:0LLIER County/City Ail SHIP funds will be expended in a manner which xvill insure that there will be no discrimination on the b:~.sis of' race, creed, color, age. sex, familial status, handicap, religion, or oriain. av,'ards. The locai goven',mcn: will adve,qise the availability of SHIP funds pursuant to Florida Statutes. A proc£sS c. .. ~,;r' ,,,..it'.:::,,n ," for '- ' ~' .,~ ' developed. The ' ~'~' ' ' ' ~" ' ' ' ' e~,~:~.,,tz :::u:::c:";:,:~', or county ,.s dc'~ CiOFCC 3 qualification system for appl~cat:cns lot national (5) ReciDien:s. of ;'u::ds '.'.il be reeuired, to co,,,"',"'u::!~'',....~, , ,. commit to program g,,idciincs., (d) Thc Florida 1lousing }:~nancc Corporation will be notified promptly if the local govenunem (or intcrioca! emit,.') ',','il! b:: u::abie to comply '.'.'it}: thc provisions the plan. i7'/ Th,._' Loc::! i/ou.,:x._: .-',.:;:-ds:ancz ['lan shall provide :'or the expenditure of Sl-tlP funds within 2'.I' ilic)i;:i:S Q',iiox~,i::2 t!::.' :::;:; 'i':M.' Ni;tic t-~-~ ' ' ' . ,io~.~1 ', ear in v.'nlc:', they arc received (3) Ti~c ;:,]a:~ ,:,-,:-- :;::. :,, :he Lc, cai r;,,x ............ '-',, ...... ,.;,,.,,~-,v., Plato. or that an a.'z.:cnCment :o Loc::! C, .. c .......... ';i c~ ............:..::::':.:::',c:,.si'.e Plrm w:i2 i:c "~:""t~''~ "? ':.' next available oppoauni:y to ins'ars ,-: ~--,-- -v,.;-i, ,:he' ,, H co,,.o ....... c ..... :.cc',J ousJnp. AssJstanc~ (9) .-k:uc::d::;t:ntz to 'he approved Local Housing Assistance Plan shall be provided to the Co:-poration w/th ,'- "! davs a~t.._'r adr):7::on. I:0) 'Ti:c trus~ A::~d sh:~.:l bc es:ablishcd '.~.~th a quaiificd depositor,.' for all SHIP funds as ``veil as ;i: )D'J'.'< UcaC,'"a[C~ J':'C::: ,:,.;~:', 111',2'5 .SUCh as iil[~."t..'St -J:.,'lltJzJ O;I IO?.F,.S. (121 Thc Iota! house::5 asslstancs trust fund she.' be separately stated as a special rc``'enue fund in the local Z. ovcmn,.cnts au'c~tcd financial s:ate:nents, eoF;es off :he audits will be forwarded to the Co~oration a:; soon ::s ..... l~ablc. (i S) :':n ixtcrloca! ,.::,.:i~v droll have its local housing assistance trust fund separately audited for each S- .' ~5 .... 1 - ~ .!~.. ,a,c ....:. '.'ca:..:.: ...... ::,;,:!~t forwarded to thc Co~oration as soon as possible. ........ ~ ..... Iiiiiii II ..... I II ...... IIIIIIIII II II I funds ,.,,'ill no: be pledL,.ed f~>:- debt service on bonds or as rent subsidic.:. Developers receiving assistance from both SHIP and thc Lo,.,,' Income Housing Tax Credit (L!i.{'I'C,'~ Progra..m shall comply ,.'.'~:h thc income, affordability and other LIHTC requirements. Sim:let!'.,', any units receiving assistance from other fcdcral programs shall comply whh all !:calera! 3J'~d SHIP program requirements. i. ',an~-.. shall be provided far' ,';e: :,.; :,; not exceeding 30 .years, e:.:cept for deferred payment loans i, ,:~ns that extend bevond 3(~ ', ts::::: ,.,, i~icl'~ continue to service eligible persons. :,:~,:',?.tcd with SHiP fund:; shall be monitored at least annually f o ....-~ ~q~.~ ,,. , ! "c:,~':, fo~ co~.,,.I ..... ,-... ','.~:!~ t,':~:::~! i~come requirements and affordability requiremcn~.s. Barbara B. Berry, Chairperson Type Name and Title Date " SECTION XII INTERLOCAL AGREEMENT I NTERLOCAL AGRE EF~ENT THIS INTERLOCAL AGREEMENT made and entered into this day of April, 1998 by and between Collier County, a political subdivision of the State of Florida, acting by and through its Board of C';nnt:y Cormmissioners (the "County") and the City cf Naples, a mun~c:pa! corporation created and existing under the laws of the CouncL.~ (the "('¢.~t,/"' · ' !:':,:r]da, act:.'nq b'?; and through its City W]iERE.AS, Section 420. 9072 (~), Florida Statutes, (the "State Ho}.~ing~ ~- ]nitiatives Pn~t. nership Act .... SHIP") , authorizes moneys ~n t:h~ Loc:a] Governm~-~,, }{,-~,;sing Trust Fund (t. he "Fund") to be ~tt~tS, Co].iJe~ "~ ':r:' v :s an appreved Co,]nty and the City o[ Naples is an eligJbJe municipality within the County; and ~[~S, the County and City desire Co distribute SHIP allocations pursuant ~o Lt~is Interlocal Agreement; and WHE~AS, the tlc,,~:~'" ,-~:::J t. he C~t}' have deLe:mined Chat SHIP wherl ~' ~ ,.ne County and t i~,-~ City work coope::atively ~o add~ess the community's affordabJe housin9 needs. NOW, TIIE~FO~, ~-'O2 Arid IH COHSIDERATION of the mutual · covenants and agreements hereinafter set forth, the parties hereto agree as foZlows: 1. The City and the County do hereby agree that the moneys in the Fund which are to be distributed to the County as provided in 420.9073, Florida Statutes, shall be allocated between the County and Cit'? as follows: C~ t.y 10.94% County 89.06% For Fiscal Year, 98-99 the State a.llocated 10.94% of the SHIP funds to the City and 89.06% to the County. Therefore, no ].ess than 10.94% of the total allocation will be earmarked for the City of Nam!es :n any given year. These percentages ,~re based upon the Ja:~:ar'z 1998 SHIP program a]locat, io:: distribution schedule. The City o£ Naples may distribute a portion of its allocation to housing activities within the Urban Housing Assistance ;..lea as defined in the July 1994 !nter!oca] Agreement adopted by Collier County and the City of Uap].es. 2. Ur~les$ earlier ~erminatecJ pursuant to other provisions of this Interlocal Agreement, the term of this Agreement shall run concurrent with the distribution of moneys in the Fund which are to be allocated between the County and the City. This Interlocal Agreement entered into this .... ~_?__.~___ day of April, 1998 shall expire on the 30th day of June, 2001, unless at such time the City and County mutually agree to exten'~ this Agreement or 1 2" terminate said Agreement under the provisions of Section 8. 3. The City and the County direct the Florida Housing Finance Corporation (the "Corporation") to distribute and allocate the moneys in the Fund in accordance with this Interlocal Agreement and au'..;?',or,,",". ,~.,~_~ o Corpora~.]on~ to rel'/ on their s~ated ~ntent and their au~hor~), to execute th~s Intertocal Agreement. 4 The mone:,. .... s~lbu~ed will be deposited in the below listed Depository Account or Accounts: Nations ?Sank Acctll 0000005193 The C,":~, ~ ,' : :.: will be notifie~ :.I any change. The DarLies agree ~o ha'.',:. :.;uch Account and Accounts audited annually a~.., required by.,,.~'a,.~t,,' ,',nd. Corporation Rule. II one account is mainEained ~or thc: parties hereto they agree ~o pay their p~o-rata share ot the cos,: ,~f :~r~ audit based on the same percentage as the ~,. Provid,:d ~!~: I:':Leriocai Agreement remains e~fective between the City ,-~n,! '~,~, Co,~nty, bo~h parties agree that they wili not do anything to jeopardize the other party's righ~ to receive ~Ls allocation ~om t.i~o Fund. i,. The parl i~" to this Agreement: understand that the 7. The parties to this agreement recognize the contributions of the joint City/County Affordable Housing Com~nission /AHC) and agree to appoint AHC members to the % Affordable Housing Advisory Committee in accordance with the SHIP requirements in 420. 9072 (2) (b) 4 . and 420. 9076 (2) , Florida Statutes and County Ordinance No. 93-19, as amended. The County's Housing and Urban Improvement office will be responsible for the overall administration of the programs assisted with SHIP funds and shall receive admJ. nistratJon monies from the S}{IP allocation. Said adm,~nJstration allocation shall not exceed 10% of the total SHIP allocation in accordance with 420. 9075 (6) and County Resolution 98-.__/_~_~ _ 7'he County will establish, administer and audit a Local }{ousing Assistance Trust Fund in accordnncc with Ordinance f!o. 93-19, as amended and SHIP roql~t, rementn, in addit, jc~;~, the County will ,_ubmlt the required annual report on be~ - naif of the interlocal entities. 8. II at any time during the term of this Interlocal Agreement, the City or the County which are the parties to this Interloca] Agreement believe that the intent of the parties as set forth herein is not being acu,~:,,p~shed, or that the terms of the Interlocn] Agreement are not fair, such entity may, upon the giving ~ ninety days written notice, renegotiate the terms and provis]on:~ of this Inter[et:al Agreement to be effective on the first rJ,:y of Ih(', nexl' [is,?,,~ '/ear. If ti~e parties are unable to so renegotlate the term.n n:~,'! !-)revisions of this Interlocal Agreemen~ prior to the comm<,I~cement of the next fiscal }'ear, the noticing party shall cease to be a party to this Inter!ocal Agreement and this Interlocal Agreement shall terminate and be of no further force or effect as to such party and the ~unds shall be allocated according to population pursuant to Section 420.9072 (9) and Section 420.9073, Florida Statutes. 9. If either party shall cease ~(. be eligible for allocation and d!stribution, such party's allocation of the funds shall remain in the Fund to be used by the Corporation. 10. For all purposes of this Interlocal Agreement, the term "Interlocal Agreement" shall mean this Interlocal Agreement. 11. Attached to th~s !nter!ocal Agreement are copies of the SHIP enabling legislation and the rules promulgated to implement same. Both parties acknowledge that the Statute arid rules are incorporated herein as if they were reprinted. 12. Attached to this Interlocal Agreement are copies of the Ordinance No. 93-19, as amended which creates the Collier ~ounty Housing.Assistance Program, establishes the Housing Trust Fund, and creates the Affordable Housing Advisor}, Committee in accordance with Florida Statutes and Florida Administrative Code. IN WITNESS THEREOF, the parties hereto have caused this ~PPROVED ~S TO FOR~ ~NB LEGAB SUFFICIENCY: H~Di ~ hS~ON ASSiStaNt COUntY ., ~greem~nt to be executed by their duly authorized officials. \ BOARD OF COUNTY COLLIER COUNTY, COMMISSIONERS FLORIDA BA~ARA B E R R Y, ~C H A I~HAN'~._~K~ DATED: ~./~ CITY OF NAPLES, a municipal corporation ATTEST: ARA A. NORlvtAN/'~:I-ff ~-~ERK APPROVED AS TO FORM AND LEGAL SUFFICIENCY: KENNETH B. CUY~,'E~TTORNEY BILL BARNETT, MAYOR County or COLLIER '.':,'.~%' '.,~:.[,.,~,~ ~ .:'.:-:" ~.~ ,'~"~T . .' '.--~"-, ,..; .'"/,... ~ State Housing Initiatives Partnership (SHIP) Local Housing Assistance Plan Program Information Sheet Progr~14 2 ~t Please complete [he followi/~g i,fort, otio,: LOCAL GOVERNMENT: ADDtTESS: Collier County Cl:rI-EFELECTED OFFICIAL: Barbara B. Berry, Chairperson 3301 famiami Trail Naples, Florida 341.12 TELEPItONE:(%i ). 774-8097 FAX:(941 CONTACT PERSON:_ Grog blihal ic ~, Pi rector, llousing ADDRESS: 2800 North llov.~;es},oo Drive 774-3602 Urban Improvement Naples, t"l or i d,~ 34104 TELEPHONE:(941 ).. 403-2330 INfERLOCA L A GILEEMENT: FAX:(941).. 403-2331 YES/NO (If yes, list other participants in thc interlocal agreement) City of Naples (The followi.g .5b,'~.o.o. mt,s/bcfi,'.,'.;.s'i:e/:o ~/'~c .4ge.cy before o.yfimds LOCAL GOXqEILNMENT EMPLOYER FEDERAL ID NU.M~3ER: 59-6000558 MA[L DISBURSEMENT TO: Collier County Finance Department: - CourL Plaza 3 ADDRESS: 2671 ,'~irp~1'l Rogld South Naples. Florida 34112 (3195) Attention: Kelly Jones