HomeMy WebLinkAbout2019-138-3267 Amending Local Housing Assistance Plan RESOLUTION NO. 2019-138-3267
A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF
MIAMI GARDENS, FLORIDA, AMENDING THE 2013-2016 LOCAL
HOUSING ASSISTANCE PLAN (LHAP), ATTACHED HERETO AS
EXHIBIT "A", AND APPROVING THE 2019-2022 LOCAL
HOUSING ASSISTANCE PLAN (LHAP), ATTACHED HERETO AS
EXHIBIT "B", PROVIDING FOR THE ADOPTION OF
REPRESENTATIONS; PROVIDING FOR AN EFFECTIVE DATE.
WHEREAS, upon becoming a United States Housing Urban Development (HUD)
entitlement community in 2007, the City of Miami Gardens became eligible to receive
funding from the Florida Housing Finance Corporation in the form of State Housing
Initiatives Partnership (SHIP) Program funds, and
WHEREAS, the City received its first SHIP funding allocation in fiscal year 2007-
2008, and
WHEREAS, adoption of a Local Housing Assistance Plan (LHAP) is a
requirement for receiving SHIP funding, and
WHEREAS, the LHAP document outlines the specific purpose and programing of
this funding source, and
WHEREAS, it governs the use of these State funds through various initiatives
targeted at generating and preserving affordable housing, and
WHEREAS, each plan covers a three year period, and
WHEREAS, on April 11 , 2007, the City Council adopted the City's first LHAP for
the period of 2007-2010, Resolution Number 2007-57-564,
WHEREAS, subsequent LHAPs for the periods 2013-2016 and 2016-2019 were
adopted by City Council on April 24, 2013 and April 13, 2016, respectively, and
WHEREAS, after a routine audit of SHIP funding by the Florida Housing Finance
Corporation (FHFC), it was determined that the 2013-2016 LHAP contained two minor
errors that require correction, and
WHEREAS, the City must amend the 2013-2016 LHAP to reflect the following
changes:
Amend the maximum award of the Emergency Rehabilitation Program from
$35,000 to $50,000,
Amend the maximum award for the purchase assistance program from $190,000
to $225,000, and
WHEREAS, these amendments do not affect the overall amount of grant dollars
received through the SHIP program, it only brings previous records into compliance for
the 2013-2016 grant years, and
WHEREAS, the city's current LHAP for 2016-2019 is expiring at the end of the 2019
fiscal year, and
WHEREAS, due to the amount of funding the City was not required to convene an
affordable Housing Advisory Committee (AHAC), however, the City convened an AHAC,
to discuss and make recommendations, and
WHEREAS, in order to continue to receive SHIP funding, the City must adopt a new
LHAP for 2019 through 2022, and
WHEREAS, City Staff proposes amending the 2013-2016 Local Housing Assistance
Plan (LHAP), and approving the 2019-2022 Local Housing Assistance Plan (LHAP),
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY
OF MIAMI GARDENS, FLORIDA AS FOLLOWS:
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Resolution No. 2019-138-3267
Section 1 : ADOPTION OF REPRESENTATIONS: The foregoing Whereas
paragraphs are hereby ratified and confirmed as being true. and the same are hereby
made a specific part of this Resolution.
Section Z AUTHORIZATION: The City Council of the City of Miami Gardens
hereby amends the 2013-2016 Local Housing Assistance Plan (LHAP), attached hereto
as Exhibit "A", and approves the 2019-2022 Local Housing Assistance Plan (LHAP),
attached hereto as Exhibit "B".
Section 3-. EFFECTIVE DATE: This Resolution shall take effect immediately
upon its final passage.
PASSED AND ADOPTED BY THE CITY COUNCIL OF THE CITY OF MIAMI
GARDENS AT ITS REGULAR MEETING HELD ON JUNE 12, 2019.
OLIVER GILBERT, III, MAYOR
ATTEST:
$4 ,
MARI BATAILLE, CITY CLERK
PREPARED BY: SONJA KNIGHTON DICKENS, CITY ATTORNEY
SPONSORED BY- CAMERON D. BENSON, CITY MANAGER
Moved by: Vice Mayor Harris
Seconded by Councilwoman Odom
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Resolution No. 2019-138-3267
VOTE: 7-0
Mayor Oliver Gilbert, III X (Yes) (No)
Vice Mayor Rodney Harris X (Yes) (No)
Councilwoman Katrina Wilson X (Yes) (No)
Councilman Erhabor Ighodaro, Ph.D. X (Yes) (No)
Councilwoman Lillie Q. Odom X (Yes) (No)
Councilman Reggie Leon X (Yes) (No)
Councilman David Williams Jr X (Yes) (No)
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Resolution No. 2019-138-3267
Page 130 of 519 Exhibit A
CITY OF MIAMI GARDENS
SHIP LOCAL HOUSING ASSISTANCE PLAN
(LHAP)
FISCAL YEARS COVERED
2013/14, 2014/15, 2015/16
Page 131 of 519
Section I.
PROGRAM DESCRIPTION
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I. PROGRAM DESCRIPTION Chapter 67-37.005 F.A.C. and Section 420.9072,F.S.
A. Name of the participating local government and Interlocal if Applicable:
Section 420.9072(5),F.S.
The City of Miami Gardens
Interlocal: Yes _ No ✓
Name of participating local government(s) in the Interlocal Agreement;
Not Applicable
B. Purpose of the Program: Section 420.9072,F.S.and Chapter 67-37.005(3),F.A.C.
Creation of the Plan is for the purpose of meeting the housing needs of the
extremely low, very low, low and moderate income households, to expand
production of and preserve affordable housing, to further the housing element of
the local government comprehensive plan specific to affordable housing.
C. Fiscal years covered by the Plan: Chapter 67-37.002,F 4.0
✓ 2013/2014
✓ 2014/2015
✓ 2015/2016
D. Governance: Chapter 67-37005(3)and(5)(i)F.A.C.and Section 420.9071(14)FS.420.907-9079
Cities and Counties must be in compliance with these statutes and rules. The SHIP
Program is established in accordance with Section 420.907-9079, Florida Statutes
and Chapter 67-37. Florida Administrative Code. The SHIP Program does further
the housing element of the City of Miami Gardens' Comprehensive Plan.
E. Local Housing Partnership Section 420.9072(l)(a),F.S.
The City of Miami Gardens' SHIP Program is building partnerships with lenders,
builders and developers, real estate professionals, advocates for low-income
persons and community groups. Such partnerships include community action
agencies and housing counseling agencies.
F. Leveraging: Chapter 67-37.007(1)(b)(c),F.A.C. and Subsection 420.9075(1)(a)and(1)(b3),and(1)(c),
F.S.
As a participating jurisdiction, the City of Miami Gardens receives CDBG funds
from the U. S. Department of Housing and Urban Development. The City intends
to use these funds to leverage SHIP funds thereby reducing the cost of housing.
In addition, the City plans to use SHIP funds for developers to use as local match
to leverage additional CDBG or Local Housing Credits from Florida Housing
Finance Corporation and participants may be eligible for County Wide and State
Down Payment Assistance.
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G. Public Input: Chapter 67-37.005(3), F.A.C.
Public input for the LHAP was solicited through face-to-face meetings with
housing providers, social service providers, local lenders and neighborhood
associations through Public hearings conducted. Two public hearings were held to
gather public comment regarding housing needs.
The priorities derived from the public hearings were used to form the basis of the
strategies for the plan. The hearings were noticed in a newspaper of general
circulation that services ethnic and diverse neighborhoods within the City.
H. Advertising and Outreach Chapter 67-37.005(6)(a),F.A.C.
The county or eligible municipality or its administrative representative shall
advertise the notice of funding availability in a newspaper of general circulation
and periodicals serving ethnic and diverse neighborhoods, at least 30 days before
the beginning of the application period. If no funding is available due to a waiting
list, no notice of funding availability is required.
I. Discrimination Section 420.9075(4)(c),F.S.
The City of Miami Gardens does not discriminate on the basis of race, creed,
religion, color, age, sex, marital status, familial status, national origin, or handicap
in the award application process for eligible housing.
J. Support Services and Counseling Chapter 67-37.005(5)(g),FA.C.
Support services are available from various sources. Available support services
may include but are not limited to:
• Homeownership Counseling (Pre and Post)
• Legal Services
K. Purchase Price Limits: Section 420.9075(4)(c), F.S.and Chapter67-37.007(6)FA.C.
The sales price or value of new or existing eligible housing may not exceed 90% of
the average area purchase price in the statistical area in which the eligible housing
is located. Such average area purchase price may be that calculated for any 12-
month period beginning not earlier than the fourth calendar year prior to the year
in which the award occurs. The sales price of new and existing units,which can be
lower but may not exceed 90% of the median area purchase price established by
the U.S. Treasury Department or as described above.
The methodology used by City of Miami Gardens is:
Bond Study Numbers provided by Florida Housing Finance Corporation
Independent Study (copy attached)
U.S. Treasury Department
The purchase price limit for:
New and Existing Homes: $225,000
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L. Income Limits, Rent Limits and Affordability:
Chapter 67-37.005(5)(e),FA.C.and Section 420.9071(2),F.S.
• The City of Miami Gardens will use Income Limits updated annually from
the U.S. Department of Housing and Urban Development and distributed
by Florida Housing Finance Corporation. The City will define and use the
methodology of determining"Annual Income" as defined in 24 CFR Part 5
of the Federal Regulations.
• The City will apply the maximum rent levels as published by the Florida
Housing Finance Corporation annually and will ensure that any housing
provided through this initiative is affordable.
• Affordable in this category is defined as monthly rents or mortgage
payments including taxes and insurance that do not exceed 30 percent(30%)
of the maximum monthly income allowed for the applicant's income
category as indicated in Sections 420.9071 (19), (20) and (28), F.S.
However,the City will not limit an individual household's ability to devote
more than 30% of its income for housing, if the first mortgage lender is
satisfied that the household can afford mortgage payments in excess of the
30% benchmark. In relation to rental housing, the City will ensure that
rents do not exceed the rental limits adjusted for bedroom size.
M. Welfare Transition Program Chapter 67-37.005(6)(b)(7)FA.C.
Should an eligible sponsor be used,the City will develop a qualification system and
selection criteria for Award applications for eligible sponsors, which includes a
description that demonstrates how eligible sponsors that employed personnel from
the Welfare Transition and Workforce Development Initiatives programs will be
given preference in the selection process.
N. Monitoring and First Right of Refusal: Section 420.9075(3)(e)and(4)(fl, Fs
In the case of rental housing,the staff or entity that has administrative authority for
implementing the local housing assistance plan assisting rental developments shall
annually monitor and determine tenant eligibility or, to the extent another
governmental entity provides the same monitoring and determination, a
municipality, county or local housing financing authority may rely on such
monitoring and determination of tenant eligibility. However, any loan or grant in
the original amount of$3,000 or less shall not be subject to these annual monitoring
and determination of tenant eligibility requirements. Tenant eligibility will be
monitored for at least annually for 15 years or the term of assistance which ever is
longer unless as specified above.
• Eligible sponsors that offer rental housing for sale before 15 years or that
have remaining mortgages funded under this program must give a first right
of refusal to eligible nonprofit organizations for purchase at the current
market value for continued occupancy by eligible persons.
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O. Administrative Budget: Chapter 67-37.005(6)03, F.A.C.
A detailed listing including line-item budget of proposed Administrative
Expenditures is attached as Exhibit A. These are presented on an annual basis for
each State fiscal year submitted.
The City of Miami Gardens finds that the moneys deposited in the local housing
assistance trust fund shall be used to administer and implement the local housing
assistance plan. The cost of administering the plan may not exceed 5 percent of the
local housing distribution moneys and program income deposited into the trust fund
except 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. The cost of administering the program may not exceed 10 percent
of the local housing distribution plus 5%of program income deposited into the trust
fund, except that small counties, as defined in s. 120.52(17), and eligible
municipalities receiving a local housing distribution of up to $350,000 may use up
to 10 percent of program income for administrative costs.
The City of Miami Gardens has adopted the above findings in the attached
resolution, Exhibit E.
P. Program Administration
Administration of the activities being carried out under this Local Housing
Assistance Plan will be carried out by the City of Miami Gardens Department of
Community Development exclusively.
Q. Essential Service Personnel section 420.9075(3)(x),Fs.
Defined as any person in need of affordable housing,who is a permanent employee
of a company or organization located within the City of Miami Gardens and whose
service is considered essential. Examples of this include teachers, community
college and university employees, police and fire personnel, emergency service
providers and health care providers.
R. Affordable Housing:
Housing which is offered for sale or has an existing property value below the City's
State Housing Initiative Program (SHIP) maximum purchase price or value limits.
The housing must be occupied by persons or families whose income does not
exceed 120%of the area median income adjusted per household size.
S. Green/Innovative Design Section 420.9075(3)(d),Fs
The City of Miami Gardens will carry out rehabilitation activities that will conserve
energy and water, including but not limited to the replacement of central air
conditioning systems with updated energy efficient models, installing
programmable thermostats, installing water conserving water closets, installing
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insulation and envelope sealing
Section II.
HOUSING STRATEGIES
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II. LHAP HOUSING STRATEGIES: Chapter 67-37.005(5), F.A.C.
1. Name of the Strategy: Housing Rehabilitation Program
Summary of the Strategy:
The Housing Rehabilitation Program will provide rehabilitation assistance to
extremely low, very low, low and moderate income residents who live in single-
family owner-occupied properties located within the corporate limits of the City
of Miami Gardens. The City's funding will be provided in a repayable loan form
that will be satisfied at maturity provided that occupancy requirements are met.
The repayment will be used to recycle the funding for future applicants.
The City's Housing Rehabilitation Standards also include hardening of the home
to prevent any damages from future weather related forces.
Special Housing Needs: section 420.9075(1)(a), Fs.The City of Miami Gardens has
identified that there are many elderly and disabled residents that are in need of
accommodations beyond the regular rehabilitation improvements. This includes
such items as grab bars, ramps, usable kitchens and bathrooms, accessible doors
and switches, etc. The Department makes a concerted effort to identify these needs
at the time of the initial inspection.
1.1. Fiscal Years Covered:
The strategy identifies in this section will cover the following fiscal years:
2013/2014, 2014/2015, 2015/2016.
1.2. Income Categories to be served:
• Extremely Low Income (up to 30%of the MSAMI)
• Very Low Income (up to 50% of the MSAMI)
• Low Income (up to 80% of the MSAMI)
• Moderate Income (up to 120% of the MSAMI)
1.3. Maximum award: $35,000.
1.4. Terms, Recapture and Default:
Financial assistance under the SHIP Housing Rehabilitation Program will be
provided to eligible homeowners in the form of a repayable loan. The repayment
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will consist of sixty (60) to one hundred and twenty (120) equal monthly
installments with zero percent(0%)interest. Payments will commence on the first
day of the month following the closing of the loan. The Loan recipient will receive
payment remitting instructions upon closing. Payments received will be considered
Program Income and used to carry out activities under the same program. The
payment amounts will be calculated as follows:
i. Applicants earning fifty (50%) or less of AMI will not have to repay the
assistance provided; it will remain in the form of a five (5) year forgivable
loan,
ii. Applicants earning between fifty (50%) — eighty (80%) of AMI will repay
the assistance provided in the form of a five (5)—ten(10) year loan
Repayment of the full principal balance of the loan is required if the property
receiving the financial assistance is rented,leased or sold during the life of the loan.
Otherwise the principal balance will be satisfied at maturity. Homeowners that
qualify and receive assistance must execute a Mortgage and Note that will be
recorded in the public records of Miami-Dade County for compliance with the
recapture provisions for the program.
Default of the loan occurs if the Mortgagor no longer resides in the home as the
principal residence, or if any part of the Property or any interest in it is sold,
transferred, gifted or otherwise conveyed, whether by voluntary act, involuntary,
by operation of law or otherwise, or if the Mortgagor is divested of title by judicial
sale, levy or other proceeding, or if foreclosure action is instituted against the
property, or if the Property is leased or rented, or the failure of the Mortgagor to
make required payments on a financial loan secured by a mortgage debt.
In the event of death of all eligible homeowner(s), the heirs to the property can
assume the obligation based on the original terms and conditions provided to the
homeowner as long as the heirs qualify based on income and household size,remain
owner occupants of the property and do not sell or rent the property for the
remaining term of the Mortgage and Note. An heir or prospective purchaser who
does not qualify based on the provisions of this strategy will be required to repay
the outstanding loan balance as provided by the City of Miami Gardens.
A subordination of this repayable mortgage will only be approved under the
guidelines of the City's Subordination Policy. All repayments from this program
shall be considered Program Income.
1.5. Recipient Selection Criteria:
All recipients of assistance must meet the eligibility requirements as outlined
below. Eligible housing includes single family homes, town houses, twin homes
and condominiums only. Manufactured housing and mobile homes are not eligible
for assistance under this program.
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Applications will be processed on a first-ready first-qualified basis from all
applicants meeting the selection criteria, subject to funding availability and in such
a manner as to comply with the statutory requirements.
Other selection criteria will include the following:
• The property shall consist of an owner-occupied residential unit.
• The property must be located in the corporate city limits of the City of Miami
Gardens.
• The market value of the home, as indicated by the Miami-Dade Property
Appraiser, may not exceed the maximum sales price allowed under the SHIP
Program.
• The property must require needed repairs to meet the decent, safe and sanitary
standard conditions.
• The applicant may not be delinquent on property taxes or have any debt owed
to the City of Miami Gardens or Miami-Dade County.
1.6. Sponsor Selection Criteria:
The City of Miami Gardens intends to administer this program. However, if the
need for a sponsor should arise, the City of Miami Gardens will use a Request for
Proposals process in accordance with Chapter 67-37.005(6) b (7) of the Florida
Administrative Code to select an eligible sponsor. Eligible persons, sponsors or
other recipients of assistance under this program will be required to contractually
commit and comply with all SHIP Program requirements.
2. Name of the Strategy: Emergency Rehabilitation Program
Summary of the Strategy:
The Emergency Rehabilitation Program will provide emergency repair assistance
to extremely low, very low, low and moderate income owner occupied single-
family homes located within the corporate limits of the City of Miami Gardens.
The City will provide deferred payment loan assistance to eligible homeowners to
carry out limited repairs such as roofing, electrical and plumbing to immediately
rectify life hazardous and potentially dangerous conditions that threaten the safety
and health of the occupants of the home.
2.1. Fiscal Years Covered:
The strategy identified in this section will cover the following fiscal years:
2013/2014, 2014/2015, 2015/2016.
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2.2. Income Categories to be served:
• Extremely Low Income (up to 30% of the MSAMI)
• Very Low Income (up to 50% of the MSAMI)
• Low Income (up to 80% of the MSAMI)
• Moderate Income (up to 120% of the MSAMI)
2.3. Maximum award: $50,000
2.4. Terms, Recapture and Default:
Financial assistance under the SHIP Emergency Rehabilitation Program will be
provided to eligible homeowners in the form of a zero percent (0%), five (5) year
deferred payment loan. There are no monthly payment requirements associated
with this loan. There is no amortization on this loan. As long as the recipient
continues to own the assisted property and live in the property as their principal
residence during the term of the mortgage,then the loan will not have to be repaid.
Repayment of the full principal balance of the loan is required if the property
receiving the financial assistance is rented, leased or sold during the life of the loan.
Otherwise the principal balance will be forgiven at maturity. Homeowners that
qualify and receive assistance must execute a Mortgage and Note that will be
recorded in the public records of Miami-Dade County for compliance with the
recapture provisions for the program.
Default of the loan occurs if the Mortgagor no longer resides in the home as the
principal residence, or if any part of the Property or any interest in it is sold,
transferred, gifted or otherwise conveyed, whether by voluntary act, involuntary,
by operation of law or otherwise, or if the Mortgagor is divested of title by judicial
sale, levy or other proceeding, or if foreclosure action is instituted against the
property, or if the Property is leased or rented, or the failure of the Mortgagor to
make required payments on a financial loan secured by a mortgage debt.
In the event of death of all eligible homeowner(s), the heirs to the property can
assume the obligation based on the original terms and conditions provided to the
homeowner as long as the heirs qualify based on income and household size,remain
owner occupants of the property and do not sell or rent the property for the
remaining term of the Mortgage and Note. An heir or prospective purchaser who
does not qualify based on the provisions of this strategy will be required to repay
the full loan amount as provided by the City of Miami Gardens.
A subordination of this deferred payment mortgage will only be approved'under
the guidelines of the City's Subordination Policy. All repayments from this
program shall be considered Program Income.
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2.5. Recipient Selection Criteria:
All recipients of assistance must meet the eligibility requirements as outlined
below.
Eligible housing includes single family homes, town houses, twin homes and
condominiums only. Manufactured housing and mobile homes are not eligible for
assistance under this program.
Applications will be processed on a first-ready first-qualified basis from all
applicants meeting the selection criteria, subject to funding availability and in such
a manner as to comply with the statutory requirements.
Other selection criteria will include the following:
• The property shall consist of an owner-occupied residential unit.
• The property must be located in the corporate city limits of the City of Miami
Gardens.
• The market value of the home, as indicated by the Miami-Dade Property
Appraiser, may not exceed the maximum sales price allowed under the SHIP
Program.
• The property must have condition that proves to be of a hazardous nature or
potentially dangerous condition and that requires needed repairs such as
roofing, electrical and plumbing to meet the decent, safe and sanitary standard.
• The applicant may not be delinquent on property taxes or on any debt owed to
the City of Miami Gardens and Miami-Dade County.
2.6. Sponsor Selection Criteria:
The City of Miami Gardens intends to administer this program. However, if the
need for a sponsor should arise, the City of Miami Gardens will use a Request for
Proposals process in accordance with Chapter 67-37.005(6)(b)7 of the Florida
Administrative Code to select an eligible sponsor. Eligible persons, sponsors or
other recipients of assistance under this program will be required to contractually
commit and comply with all SHIP Program requirements.
3. Name of the Strategy: Homeownership Assistance Program
Summary of the Strategy:
The City of Miami Gardens through the Homeownership Assistance Program will
provide down payment and closing cost assistance to eligible persons and
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households who are first time homebuyers, defined as persons not owning a home
within the last 3 years, to purchase a newly constructed or existing residential
property within the City of Miami Gardens. The strategy will be available to assist
extremely low, very low, low and moderate income residents to purchase a single
family home,town home, twin home or condominium.
3.1. Fiscal Years Covered:
The strategy identified in this section will cover the following fiscal years:
2013/2014, 2014/2015, 2015/2016.
3.2. Income Categories to be served:
• Extremely Low Income (up to 30% of the MSAMI)
• Very Low Income (up to 50% of the MSAMI)
• Low Income (up to 80% of the MSAMI)
• Moderate Income(up to 120% of the MSAMI)
3.3. Maximum award: $20,000.
3.4. Terms, Recapture and Default:
Financial assistance to be provided under the Homeownership Assistance Program
will be provided to eligible homeowners in the form of a zero percent interest,thirty
(30) year loan. The amount of assistance will be determined by the lender
qualifying the applicant.
The initial $10,000.00 will be provided in form of a 30 year, 0% interest loan with
the payment due at maturity. If the homeowner has continued living in the
residence through maturity, the balance will be forgiven and the Note considered
satisfied.
Any additional funding after the initial $10,000.00 will be provided in form of a 30
year 0% repayable loan. There will be 360 equal monthly payments. Repayment
of the outstanding principal balance of the loan is required if the property receiving
the financial assistance is rented, transferred or sold during the life of the loan.
Homeowners that qualify and receive assistance must execute a Mortgage and Note
that will be recorded in the public records of Miami-Dade County for compliance
with the recapture provisions for the program.
In the case of sale or transfer of the unit, the City will be repaid by the borrower as
per the following schedule:
i. 0—5 years— 100%of both the City's loan balance and the pro-rata share of the net
appreciation(gain) is due to the City.
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ii. 6— 10 years— 100%of the loan balance and 50% of the pro-rata share of the net
appreciation(gain)is due to the City.
iii. 11 — 30 years — 100% of the loan balance is due to the City. The City will not
share in the appreciation after the 101 year.
The above appreciation sharing proposal will terminate in foreclosure; however,
the city will require lenders to provide us a right of first refusal to purchase the loan
at a negotiated price.
In the event of death of all eligible homeowner(s), the heirs to the property can
assume the obligation based on the original terms and conditions provided to the
homeowner as long as the heirs qualify based on the original terms and conditions
provided to the homeowner as long as the heirs qualify based on age, income and
household size, remain owner occupants of the property and do not sell or rent the
property for the remaining term of the mortgage and note. An heir or prospective
purchaser who does not qualify based on the provisions of this strategy will be
required to repay the balance of the outstanding loan amount provided by the City
of Miami Gardens.
A subordination of this deferred payment mortgage will only be approved under
the guidelines of the City's Subordination Policy. All repayments from this
program shall be considered Program Income.
3.5. Recipient Selection Criteria:
Applications will be processed from an established waiting list on a first-come,
first- ready, first-serve basis from applicants meeting the selection criteria, subject
to funding availability and in such a manner as to comply with the statutory
requirements.
Other selection criteria will include the following:
• The property must be located in the corporate city limits of the City of Miami
Gardens.
• The purchase price of the home may not exceed the maximum sales price
allowed under the SHIP Program.
• The property must meet safe and sanitary standard conditions at closing or
funds must be held in escrow to bring it to safe and sanitary standards after the
closing.
• The applicant may not be delinquent on any debt owed to the City of Miami
Gardens or Miami-Dade County.
• Applicants purchasing Manufactured or Mobile homes are not eligible for
funding under this strategy.
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3.6. Sponsor Selection Criteria:
The City of Miami Gardens intends to administer this program. However, if the
need for a sponsor should arise, the City of Miami Gardens will use a Request for
Proposals process in accordance with Chapter 67-37.005(6)b(7) Florida
Administrative Code to select an eligible sponsor. Eligible persons, sponsors or
other recipients of assistance under this program will be required to contractually
commit and comply with all SHIP Program requirements.
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Section III.
INCENTIVE STRATEGIES
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III. LHAP INCENTIVE STRATEGIES section 420.9071(16), F.S.
1. Expedited Permitting Process
The processing of approvals for Development Orders or Permits as defined in s.
163.3164(7) and(8) for affordable housing projects are expedited to a greater
degree than other projects.
Established Policy and Procedures:
The City of Miami Gardens has implemented a process that will eliminate any delay
in the review of affordable housing development projects permit applications.
These applications will be prioritized from other type of project applications in
order to ensure expediting the projects.
2. Development Impact Fee Waiver/Exemption
The modification of impact fee requirements, including reduction or waiver of
fees and alternative methods of fee payment for affordable housing.
Established Policy and Procedures
Housing projects will receive a waiver or reduction of impact fees when developing
affordable housing units. For the developer to secure the waiver or reduction of the
impact fees, the Department of Community Development must be able to certify
that the proposed housing project/unit(s)are affordable to either very-low, low and
median income families and individuals. Such waivers or reductions must be
approved by the City Council.
3. Densitv Bonus
The allowance of increase density levels for affordable housing.
Established Policy and Procedures
Affordable housing residential and planned development projects may receive a
density bonus based on an analysis of affordability, site characteristics and
proposed project specifics. This analysis will be conducted in coordination with
the Department of Community Development and the Department of Planning and
Zoning.
4. Infrastructure Capacity
The reservation of infrastructure capacity for housing for very-low-income persons
City of Miami Gardens 2013-2016 SHIP Local Housing Assistance Plan Amendment
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Page 147 of 519
and low-income persons.
Established Policy and Procedures
The City of Miami Gardens has a Concurrency Management System that tracks
potable water,sanitary sewer,solid waste,traffic,and park and drainage capacities.
This System will ensure that there is always infrastructure capacity available for
affordable housing projects.
5. Accessory Single Family Dwelling Units
The allowance of affordable accessory residential units in the residential zoning
districts.
Established Policy and Procedures
The construction of an accessory dwelling unit on a residentially zoned lot is
permitted subject to the provisions established by the City of Miami Gardens Land
Development Regulations.This makes available inexpensive dwelling units to meet
the needs of elderly and single very-low and low income individuals.
6. Reduction of Parking and Setback Requirements
The reduction of parking and setback requirements for affordable housing.
Established Policy and Procedures
Affordable housing projects are afforded an opportunity to receive a reduction in
parking and setback requirements by the City of Miami Gardens. Requests for
reduction of parking and setback requirements in relation to the development of
affordable housing must be developed following the standards established in the
Land Development Regulations.
7. Zero-Lot-Line and Street Requirement Allowance
The allowance of zero-lot-line configurations for affordable housing.
Established Policy and Procedures
The City of Miami Gardens has in its Land Development Regulations a plan for
zero-lot-line development and allowances toward street requirements for affordable
housing projects. The proposed project applications are reviewed by the
Department of Planning and Zoning. The Department of Community Development
will be responsible for certifying the extent to which the project is affordable.
8. Ongoing Review Process
The establishment of a process by which local government considers, before
adoption, policies, procedures, ordinances, regulations, or plan provisions that
increase the cost of housing.
Established Policy and Procedures
The City of Miami Gardens has adopted policies which state that any regulation
being proposed that could potentially increase the estimated housing cost per unit,
City of Miami Gardens 2013-2016 SHIP Local Housing Assistance Plan Amendment
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Page 148 of 519
will be reviewed by the Department of Planning and Zoning and the Department of
Code Enforcement. These groups will consider the effect of the proposed activity
and its effects on the cost of housing prior to their recommendation to the City
Council. City Council will consider the financial impact before making its decision
on adopting the proposed regulation.
9. Surplus City Owned Land Inventory
The preparation of a printed inventory of locally owned public lands suitable for
affordable housing.
Established Policy and Procedure
The City of Miami Gardens Department of Community Development will maintain
an inventory of all surplus City-owned land and foreclosed properties that could be
used for affordable housing. The City will make this list available to all for-profit
and not-for-profit affordable housing developers.
10. Affordable Housing Advisory Committee
The City of Miami Gardens has established an Affordable Housing Advisory
Committee to review its housing policies and procedures, ordinances, land
development regulations,and adopted local government comprehensive plan of the
appointing local government. They will be asked to recommend specific initiatives
to encourage or facilitate affordable housing while protecting the ability of the
property to appreciate in value. The composition of this committee will be in
accordance with the F.S. 420.9072 and appointed by the City's Council Members,
the committee members and their terms will be adopted by way of Resolution.
If the City is unable to appoint a citizen actively engaged in these activities in
connection with affordable housing either because of the presence of a conflict of
interest by prospective appointees, or any other reasonable factor, the City will
appoint a citizen engaged in the activity without regard to affordable housing, as
allowed by statute.
City of Miami Gardens 2013-2016 SHIP Local Housing Assistance Plan Amendment
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EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan. Exhibit A.
B. Timeline for Encumbrance and Expenditure: Chapter 67-37.005(6)(d)and(f)F.A.C.
A separate timeline for each fiscal year covered in this plan is attached as Exhibit
B. Program funds will be encumbered by June 30'', one year following the end of
the applicable state fiscal year. Program funds will be fully expended within
24 months of the end of the applicable State fiscal year.
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year
Covered in the Plan: Chapter 67-37.005),FAC.
Completed HDGC for each fiscal year is attached as Exhibit C.
D. Certification Page: Chapter 67-37.005(7),F.A.C.
Signed Certification is attached as Exhibit D.
E. Adopting Resolution: Section 420.9072(2)(6)2, FS.
Original signed, dated, witnessed or attested adopting resolution is attached as
Exhibit E.
F. Program Information Sheet:
Completed program information sheet is attached as Exhibit F.
G. Ordinance: Section 420.9072(3)(a), Fs. Exhibit G.
H. Ordinance: Section 420.9076 F.S. Exhibit H.
I. Interlocal Agreement: Section 420.9072,F.S. N/A
City of Miami Gardens 2013-2016 SHIP Local Housing Assistance Plan Amendment
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Page 150 of 519
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR Exhibit A
LHAP 2013-2016
Exhibit A
67-37.005(1),F.A.C.
Effective Date: 07/2013
City of Miami Gardens
Estimated Allcoation for Calculating: $ 147,906.00
Fiscal Year 2013/2014
Salaries and Benefits $ 4,437.18
Office Supplies and Equipment $ _
Travel Perdiem Workshops, etc $ _
Advertising $ _
Other $
Total $ 4.437.18 0.03
Fiscal Year 2014/2015
Salaries and Benefits $ 4,437.18
Office Supplies and Equipment $ _
Travel Perdiem Workshops, etc $ _
Advertising $ _
Other $ _
Total $ 4,437.18 1
Fiscal Year 2015/2016
Salaries and Benefits $ 4,437.18
Office Supplies and Equipment $
Travel Perdiem Workshops, etc $ _
Advertising $ _
Other $ _
Total $ 4,437.18 1
LHAP Exhibit B 2013
Exhibit B
67-37.005(1),F.A.C.
Effective Date:07113
TIMETABLE FOR STATE FISCAL YEAR
City of Miami Gardens
Advertise Availabtl of Funds X
Apphcabon Periotl On-Going X X X X X X X X X X X
Start Program Year X
Annual Re ort x
W
Mid-Year RevleMAtlustmenls
End-Year ReweMAdjustments
V 1
++
N
Encumbrance Deadline X O
E enditure Deadline X
WI
Final Program Renew X
Directions: Type in the applicable years across the top line.
List Program Activities down left hand side. Type in an"X"
on applicable activity line under month and year the activity will be Initiated or completed.
At a minimum the following activities should be included:
1) Advertise availability of funds and application period
2) Encumbrance of funds(12 months following end of State Fiscal Year)
3) Expenditure of funds(24 months following end of State Fiscal Year).
4) Submit Annual Report to FHFC(September 15th)
Exhibit B
TIMETABLE FOR STATE FISCAL YEAR
City of Miami Gardens
Ad—t-AvW.blldy ul Funds x
I-bon Perood On-Goin x x x x x X x x x X x
Stan Pr ram Year x
Annual Re rt x
Mod-Year Revre WAdjus nenH x
End-Year RevieWAd usUnents x
Encumbrance Deadline x
V 1
W
E nditure Deadline x
Penal Program Re— x '
Directions: Type in the applicable years across the top line.
List Program Activities down left hand side. Type in an'x"
on applicable activity line under month and year the activity will be initiated or completed.
At a minimum the following activities should be included:
1) Advertise availability of funds and application period
2) Encumbrance of funds(12 months following end of State Fiscal Year)
3) Expenditure of funds(24 months following end of State Fiscal Year),
4) Submit Annual Report to FHFC(September 15th)
Exhibit B
TIMETABLE FOR STATE FISCAL YEAR
City of Miami Gardens
Advertise Amilabillry of Funds X
AppX.U-P.,.M(0,G.1Qj X X X X X X X X X X X
Stan Pro ram Yeer X
Annual Re ort X
Mid-Year Revlew/Adlusu-M X
f�
Eno-Year R.maAd uetmenls X I I I �^
Encumbrance Deadlne X
w�
M
endnare Deadlne x
N
Fnal Pr rem R.— x
Directions: Type in the applicable years across the top line.
List Program Activities down left hand side. Type in an"X'
on applicable activity line under month and year the activity will be initiated or completed.
At a minimum the following activities should be included:
1) Advertise availability of funds and application period
2) Encumbrance of funds(12 months following end of State Fiscal Year)
3) Expenditure of funds(24 months following end of State Flscal Year).
4) Submit Annual Report to FHFC(September 15th)
71 1 1 1 1 1' F_ I
LHAP Exhibt C 2013 _T
FLORIDA HOUSING FINANCE CORPORATION Please check applicable box
HOUSING DELIVERY GOALS CHART New Plan:
STRATEGIES FOR THE LOCAL HOUSING ASSISTANCE PLAN FOR STATE FISCAL YEAR: 2013-2014 _ Amendment: XXX
--___ ------___---_ —_ �= _ -- _— ____ _ �— Fiscal Yr.Closeout:
Name of Local Government: City of Miami Gardens Estimated Funds: $152,406.00
- -- - A B C D E F
Strategy# HOME OWNERSHIP VLI Max.SHIP LI Max.SHIP MI Max SHIP Now construction Rehab/Repair without construction _Total Total Total
From Plan STRATEGIES(strategy title must be Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units
Text same as the title used In plan text.
Housing Rehabilitation Program $35,000 2 $35,000 $35,000 $0.00 0.00% 2
t
2 Emergency Rehabilitation Program 1 $50,000 1 $50,000 $50,000 $0.00 $143,468.82 $143,468.82 94.14% 2
] Replacement Noma Program
$0.00 0.00% 0
4 Homeownership Assistance Program $20,000 $20,000 1 $20,000
$0.00 0.00% 1
$0.00 0.00% o
$0.00 0.00%1 o
$0.00 0.00%
$0.00 0.00%
Subtotal 1(Home Ownership) 1 3 1 $0.00 $143,468.82 $0.00 $143,468.82 94.14%
RENTAL VLI Max.SHIP LI Max.SHIP MI Max.SHIP Now Construction RshablRepair without Construction Total Total Total
STRATEGIES Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Unita
WA
0.00 0.00%
WA $0.00 0.00%
WA
$0.00 0.00%
WA $0.00
0.00% 0
WA $0.00 0.00% 0
Subtotal 2(Non-Home Ownership) 0 0 0 $0.00 $0.00 $0.00 $0.00 0.00% 0
Administration Fees $4,437.18 2.91%
Admin.From Program Income $225.00 0.15%
Home Ownership Counseling $0.00 0.00%
_ GRAND TOTAL
Ada Subtotals 1 6 2, plus all Admin.8 HO 1 3 1 $0.00 $143,468.82 $0.00 $148,131.00 97.19% 5
Counseling
Percentage Construction/Rot calculate ConstrlR.hob Percent by adding Grand Total columns Asa,then adds by Annual Allocation Amt. 97%
Maximum Allowable
Purchase Price: New Existing
Allocation Breakdown Amount % Projected Program Income: $4,500.00 Max Amount Program Income For Admin: $225.00
Very-Low Income $50,000.00 32.8% _ Projected Recaptured Funds: $0.00
Low Income $85,000.00 55.8% Distribution: $147,906.00
Moderate Income $20,000.00 13.1% Total Available Funds: $152,406.00
TOTAL $155,000.00 101.7% 02-Apr-19
FLORIDA HOUSING FINANCE CORPORATION Please check applicable box
HOUSING DELIVERY GOALS CHART New Plan:
STRATEGIES FOR THE LOCAL HOUSING ASSISTANCE PLAN FOR STATE FISCAL YEAR: 2014-2015 Amendment: xxx
Fiscal Yr.Closeout:
Name of Local Government: Ciyt of Miami Gardens Estimated Funds: $152,406.00
- - - - A B C D E F
Strategy# HOME OWNERSHIP VLI Max.SHIP LI Mas.SHIP MI Max.SHIP Now Construction RehabMepalr Without Construction Total _ Total _ Total
From Plan STRATEGIES(strategy title must be Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units
Text same as the title used in plan text.
1 Housing Rehabilitation Program $35,000 2 $35,000 $35,000 $0.00
0.00% 2
2 Emergency Rehabilitation Program 1 $50,000 1 $50,000 $50,000 $143,468.82 $143,468.82 94.14% 2
3 Replacement Home Program $0.00
0.00%1 0
4 Homeownership Assistance Program $20,000 $20,000 1 $20,000
$0.00 0.00% 1
$0.00 0.00% 0
$0.00 0.00% 0
$0.00 0.00% 0
$0.00 0.00% 0
Subtotal 1(Home Ownership) 1 3 1 $0.00 $143,468.82 $0.00 $143,468.82 94.14%
tn
RENTAL Vu Max.SHIP LI Max.SHIP MI Max.SHIP Now Construction RehaMtepair without Construction Total Total Tota
STRATEGIES Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units
WA $0.00 0.00% CP
WA
0.00 0.00%
WA
0.00 0.00%
WA
0 0.00°'a
WA $0.00 0.00% 0
Subtotal 2(Non-Home Ownership) 0 0 0 $0.00 $0.00 $0.00 $0.00 0.00% 0
Administration Fees $4,437.18 2.91%
Admin.From Program Income $225.00 0.15%
Home Ownership Counseling 0.00%
GRAND TOTAL _
sae a ewe i a z w.0Mmn.a� C-019 1 3 1 $0.00 $143,468.82 $0.00 $148,131.00 97.19% 5
Percentage Construction/Rot Calculate ConstrJRehab Percent.by adding Grand Total Columns A&B,then divide by Annual Allocation Amt. 97%
Maximum Allowable
Purchase Price: New Existing
Allocation Breakdown Amount % Projected Program Income: $4,500.00 Max Amount Program Income For Admin: $225.00
Very-Low Income $50,000.00 32.8% Projected Recaptured Funds:
Low Income $85,000.00 55.8% Distribution 1 1 $14.1,900.00
Moderate Income $20,000.00 13.1 ie Total Available Funds: $152,406.00
TOTAL 101.7% 02-Apr-19
FLORIDA HOUSING FINANCE CORPORATION Please check applicable box
HOUSING DELIVERY GOALS CHARTNew Plan:
STRATEGIES FOR THE LOCAL HOUSING ASSISTANCE PLAN FOR STATE FISCAL YEAR:2015-2016 mendment:Axxx
---- -----'—'--` _- Fiscal Yr.Closeout:
Name of Local Government: City of Miami Gardens Estimated Funds: $152,406.00
—"-- --- A B C D E F
Strategy 0 _HOME OWNERSHIP Vu Max.SHIP u Max.SHIP MI Max.SHIP New Construction —RehablRepair without Construction Total Total Total
From Plan STRATEGIES(strategy title must be unNe Award Units Award Unita Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units
Text same as the title used In plan text.
1 Housing Rehabilitation Program $35,000 2 $35,000 $35,000 $0.00 0.00% _ 2
Emergency Rehabilitation Program 1 $50,000 1 $50,000 $50,000 $143,468.82 $143,468.82 94.14%1 2
3 Replacement Home Program $0.00 0.00% 0
4 Homeownership Assistance Program $20,000 $20,000 1 $20,000 $0.00 0.00% 1
$0.00 0.00% 0
$0.00 000% 0
$0.00 0.00% 0
$0.00 0.00% 0
Subtotal 1 (Home Ownership) 1 3 1 $000 $143,468.82 $0.00 $143,468.82 94 14%
full
RENTALVLI Max.SHIP u Max.SHIP MI Max.SHIP New Construction Rehab/Repair Without Construction Total Total Tota
STRATEGIES Unite Award unite Award Untts Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units
WA $0.00 0.00%
WA $0.00 0.00% Q
WA $0.00 0.00%
WA $0.00 0.00% _
WA $0 00 0.00%
Subtotal 2(Non-Home Ownership) 0 0 0 $0.00 $0.00 $0.00 $0.00 0.00% 0
Administration Fees $4,437.18 2.91%
Admin.From Program Income $22500 0.15%
Home Ownership Counseling 0.00%
GRAND TOTAL -
Am aanwa.t A x ph.M Admix.A en co„n.." - - 1 3 1 0.00 143 488.82 $0.00 148 131.00 97.19% 5
Percentage Construction/Reh. Calculate ConstrlRehab Percent by adding Grand Total Columns A&B,than divide by Annual Allocation Amt 97%
Maximum Allowable
Purchase Price: New Existing
Allocation Breakdown Amount % Projected Program Income: $4,500.00 Max Amount Program Income For Admin $225.00
Very-Low Income $50,000.00 32.8% Projected Recaptured Funds:
Low Income $85,000.00 55.8%1 Distribution: 1 $14-1,906.00
Moderate Income $20,000.00 13.1%1 Total Available Funds: $152,406.00
TOTAL 101.7% _ -- 02-APr-19
Page 162 of 519
MAP Exhibit D 2013
67-37.005(1),F.A.C.
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Name of Local Government: City of Miami Gardens
(1) The local government will advertise the availability of SHIP fiords,if available,pursuant to
Florida Statutes.
(2) All SHIP funds will be expended in a manner which will insure that there will be no
discrimination on the basis of race,creed,religion, color,age, sex,familial or marital
status,handicap,or national origin.
(3) A process for selection of recipients for funds has been developed.
(4) The eligible municipality or county has developed a qualification system for applications for
assistance.
(5) Recipients of funds will be required to contractually commit to program guidelines.
(6) The Florida Housing Finance Corporation will be notified promptly if, at any time,the local
government(or interlocal entity)will be unable to comply with the provisions the plan.
(7) The Local Housing Assistance Plan shall provide for the expenditure of SHIP funds within
24 months following the end of the State fiscal year in which they are received.
(8) The plan conforms to the Local Government Comprehensive Plan, or that an amendment to
the Local Government Comprehensive Plan will be initiated at the next available opportunity
to insure conformance with the Local Housing Assistance Plan.
(9) Amendments and Technical Revisions to the approved Local Housing Assistance Plan shall
be provided to the Corporation within 21 days after adoption.
(10) The trust fund shall be established with a qualified depository for all SHIP funds as well
as moneys generated from activities as program income.
(11) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted
by law.
(12) The local housing assistance trust fund shall be separately stated as a special revenue fund in
the local governments audited financial statements, copies of the audits will be forwarded to
the Corporation by June 30 of each calendar year.
1
Page 163 of 519
LHAP Exhibit D 2013
67-37.005(1),F.A.C.
(13) An interlocal entity shall have its local housing assistance trust fund separately audited
for each state fiscal year, and the audit forwarded to the Corporation by June 30.
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
(15) 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.
(16) 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 service eligible persons.
(17) Rental units constructed or rehabilitated with SHIP funds shall be monitored annually for 15
years for compliance with tenant income requirements and affordability requirements or as
required in Section 420.9075 (3)(e)
(18) The Plan meets the requirements of Section 420-907-9079 FS, and Rule Chapter 67-37 FAC,
and how each of those requirements shall be met.
(19) ons of Chapter 83-220, Laws of Florida has not been implemented.
(exceptJdLeunty)
f
i ess of
Elected--0771`cor designee
Mayor Oliver Gilbert
'W'itness Type Name and Title
Date
OR
Attest:
(Seal)
2
Page 164 of 519 Exhibit B
SHIP LHAP Template 2016-001
[eff. Date 9/11/20181
City of Miami Gardens
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2019-2020, 2020-2021, 2021-2022
1
Page 165 of 519
SHIP LHAP Template 2016-001
[eff.Date 9/11/20181
N-0 9;%—..W70
Table of Contents
Description Page#
Section I, Program Details 3
Section II, Housing Strategies 6
A. Housing Rehabilitation Program 6
B. Emergency Rehabilitation Program 8
C. Homeownership Assistance Program 10
D. Disaster Migration Program 12
E. Rental Assistance Program 14
F. Rent Construction & Rehabilitation Program 16
Section III, Incentive Strategies 17
A. Expedited Permitting 17
B. Ongoing Review Process 17
C.
Exhibits 18
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: (If changed from the original creating ordinance)
G. Inter-local Agreement
H. Subordination Policy
2
Page 166 of 519
SHIP LHAP Template 2016-001
[eff.Date 9/11/20181
HOfI II
I. Program Details:
A. LG(s)
Name of Local Government City of Miami Gardens
Does this LHAP contain an interlocal agreement? NO
If yes, name of other local government(s) N/A
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.
C. Fiscal years covered by the Plan: 2019-2020, 2020-2021, 2021-2022
D. Governance: The SHIP Program is established in accordance with Section 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 and 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.
1. Waiting List/Priorities: A waiting list will be established when there are eligible applicants for strategies that
no longer have funding available. Those households on the waiting list will be notified of their status.
Applicants will be maintained in an order that is consistent with the time applications were submitted as well
as any established funding priorities as described in this plan.
J. Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate on the
3
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SHIP LHAP Template 2016-001
[eff. Date 9/11/20181
Fk�1c
basis of race, color, religion, sex, national origin, age, handicap, or marital status in the award application
process for eligible housing.
K. Support Services and Counseling:Support services are available from various sources. Available support
services may include but are not limited to: Homeownership Counseling (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, which
can be lower but may not exceed 90%of the median area purchase price established by the U.S. Treasury
Department or as described above.
The methodology used is:
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 in excess of the 30%benchmark and in the case
of rental housing does not exceed those rental limits adjusted for bedroom size.
N. Welfare Transition Program:Should an eligible sponsor be used, a qualification system and selection criteria
for applications for Awards to eligible sponsors shall be developed,which includes a description that
demonstrates how eligible sponsors that employ personnel from the Welfare Transition Program will be given
preference in the selection process.
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 these annual monitoring and determination of tenant eligibility
requirements. Tenant eligibility will be monitored annually for no less than 15 years or the term of assistance
whichever is longer unless as specified above. Eligible sponsors that offer rental housing for sale before 15
years or that have remaining mortgages funded under this program must give a first right of refusal to
eligible nonprofit organizations for purchase at the current market value for continued occupancy by eligible
persons.
4
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SHIP LHAP Template 2016-001
Jeff. Date 9/11/20181
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 Percentage
Local Government City of Miami Gardens 100
R. Project Delivery Costs: N/A
S. Essential Service Personnel Definition: Defined as any person in need of affordable housing, who is a
permanent employee of a company or organization located within the City of Miami Gardens and whose
service is considered essential. This include teachers, community college and university employees, police
and fire personnel, emergency service providers and health care providers.
T. Describe efforts to incorporate Green Building and Energy Saving products and processes:The City of
Miami Gardens will carry out rehabilitation activities that will conserve energy and water, including but not
limited to replacement of central air conditioning systems with updated energy efficient models, installing
programmable thermostats, installing water conserving water closets, installing insulation/envelope sealing.
U. Describe efforts to meet the 20%Special Needs set-aside: For each annual allocation the City of Miami
Gardens will meet the Special Needs set-aside requirement through the following housing programs.
• Housing Rehabilitation
• Emergency Rehabilitation
• Homeownership Assistance
• Rental Assistance
• Rental Construction and Rehabilitation
V. Describe efforts to reduce homelessness:The City will continue to work with the Miami-Dade County
Homeless Trust, which is the Continuum of Care provider for the County, to address the needs of the City's
homeless population. This effort will include, but not be limited to, participating in a regional partnership to
pool and/or coordinate the use of appropriated funds to reduce homelessness; directing SHIP funds toward a
Rental Assistance Strategy; and utilizing the Homeless Trust's Coordinated Outreach, Assessment and
Placement Program (COAP)to receive referrals for homeless assistance.
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Section II. LHAP Strategies:
A. Strategy Name HOUSING REHABILITATION PROGRAM Code 3
Summary: The Housing Rehabilitation Program will provide rehabilitation assistance to residents who
live in single-family owner-occupied properties located within the corporate limits of the City of Miami
Gardens. The City's Housing Rehabilitation Standards include hardening of the home to prevent any
damages from future weather related forces and accessibility accommodations beyond the regular
rehabilitation improvements.
b. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
C. Income Categories to be served: Extremely low, Very low, low and moderate
d. Maximum award: $ 35,000.00
e. Terms (all six items must be completed or "N/A")
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred loan secured by a recorded
subordinated mortgage and note
2. Interest Rate: 0%
3. Years in loan term: 5 or 10 years (applicants choose a repayment plan of 60 months or 120 months)
4. Forgiveness:The outstanding balance of the deferred payment loan is forgiven when the maturity
date is reached.
5. Repayment: Loan repayment will be based on the loan recipient's household income and their ability
to afford the monthly payments as determined by an affordability study conducted by City staff. Clients
with total debt to income ratios (also called back-end ratio) of greater than 45%will receive a deferred
payment loan. The repayment, when required, will consist of sixty (60) to one hundred and twenty (120)
equal monthly installments. Payments will commence on the first day of the month following the closing
of the loan.The payment amounts will be calculated as follows:
i. Very low-income applicants will not have to repay the assistance provided.The deferred payment
loan will be forgiven at the end of the five year term.
ii. Low-income applicants will repay half of the assistance provided in the form of a five (5) or ten
(10) year loan with equal monthly installment payments; the other half will remain in the form of
a five (S) or ten (10) year forgivable loan.
iii. Moderate applicants will repay the full amount of the assistance with equal monthly installment
payments in the form of a five (5)or ten (10) year loan term.
6. Default: Default of the loan occurs if the Mortgagor no longer resides in the home as the principal
residence, or if any part of the Property or any interest in it is sold, transferred, gifted or otherwise
conveyed, whether by voluntary act, involuntary, by operation of law or otherwise, or if the
Mortgagor is divested of title by judicial sale, levy or other proceeding, or if foreclosure action is
instituted against the property, or if the Property is leased or rented,or the failure of the Mortgagor
to make required payments on a financial loan secured by a mortgage debt.
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,.. .:- �
Mortgagor is divested of title by judicial sale, levy or other proceeding, or if foreclosure action is
instituted against the property, or if the Property is leased or rented, or the failure of the Mortgagor
to make required payments on a financial loan secured by a mortgage debt.
In the event of death of all eligible homeowner(s), the heirs to the property can assume the obligation
based on the original terms and conditions provided to the homeowner as long as the heirs qualify
based on income and household size, remain owner occupants of the property for the remaining term
of the Mortgage and Note. An heir or prospective purchaser who does not qualify based on the
provisions of this strategy will be required to repay the outstanding loan balance as provided by the
City of Miami Gardens.
f. Recipient Selection Criteria: All recipients of assistance must meet the eligibility requirements as outlined
below. Eligible housing includes single family homes,town houses, twin homes and condominiums only.
Manufactured housing and mobile homes are not eligible for assistance under this program.
Applications will be processed on a first-qualified, first-served basis from all applicants meeting the
selection criteria, subject to funding availability and in such a manner as to comply with the statutory
requirements.
Other selection criteria will include the following:
• The applicant may not be delinquent on property taxes or have any debt owed to the City of Miami
Gardens or Miami-Dade County.
g. Sponsor Selection Criteria: N/A
h. Additional Information: A subordination of this repayable mortgage will only be approved under
the guidelines of the City's Subordination Policy. Subordination for the purpose of refinancing an
existing debt that is in a superior lien position to this deferred payment mortgage may be allowed
provided that all of the following conditions are met:
• The proposed refinancing shall not result in an increase in debt in a superior position to the City's
loan;this includes any cash back to the Mortgagor.
• The proposed refinancing shall not "wrap in" any other debt such as credit card balances.
• The proposed refinancing terms are at market prevailing rates and fees, lowest available for the
borrower's risk category. Rate and/or monthly payment must be significantly enough lower than
the existing rate and/or monthly payment amount to compensate for closing costs and fees.
h. Additional information: The Mortgagor is occupying the property as their primary residence.
B. Strategy Name EMERGENCY REHABILITATION PROGRAM Code 6
The Emergency Rehabilitation Program will provide emergency repair assistance to extremely low,
very low, low and moderate income owner occupied single-family homes located within the
corporate limits of the City of Miami Gardens. The City will provide assistance to eligible
homeowners to carry out limited repairs such as roofing, electrical and plumbing to immediately
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rectify life hazardous and potentially dangerous conditions that threaten the safety and health of
the occupants of the home.
The intent of providing emergency rehabilitation is to stop the imminent displacement of owner-
occupants due to distressed conditions. The emergency rehabilitation program repairs are not
intended to bring the home into compliance with the full building code. The goal of this strategy is
to complete the emergency repairs in a timely manner that will leave the dwelling in stable and
habitable condition. The repairs may include but are not limited to:
• Structural components showing imminent collapse;
• Inoperable/substandard heating and cooling systems for households with elderly and/or disabled
members;
• Inoperable/substandard plumbing/leaks in walls or foundations;
• Roof leaks causing electrical hazards, ceiling collapse or structural damage;
• Inoperable/substandard electrical systems;
• Inoperable/substandard septic system; and
• Special Needs Accessibility.
b. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
C. Income Categories to be served: Extremely low, Very low, low and moderate
d. Maximum award: $ 50,000.00
e. Terms (all six items must be completed or"N/A"):
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan secured by a
recorded subordinate mortgage and note.
2. Interest Rate: 0%
3. Years in loan term: 5 years
4. Forgiveness: The deferred payment loan is forgiven when the maturity date is reached.
5. Repayment: Repayment will be required only if loan is defaulted.
6. Default: Default of the loan occurs if the Mortgagor no longer resides in the home as the principal
residence, or if any part of the Property or any interest in it is sold,transferred, gifted or otherwise
conveyed, whether by voluntary act, involuntary, by operation of law or otherwise, or if the
Mortgagor is divested of title by judicial sale, levy or other proceeding, or if foreclosure action is
instituted against the property, or if the Property is leased or rented, or the failure of the Mortgagor
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to make required payments on a financial loan secured by a mortgage debt. All repayments from this
program shall be considered Program Income.
In the event of death of all eligible homeowner(s), the heirs to the property can assume the obligation
based on the original terms and conditions provided to the homeowner as long as the heirs qualify
based on income and household size, remain owner occupants of the property and do not sell or rent
the property for the remaining term of the Mortgage and Note. An heir or prospective purchaser who
does not qualify based on the provisions of this strategy will be required to repay the full loan amount
as provided by the City of Miami Gardens.
A subordination of this deferred payment mortgage will only be approved under the guidelines of the
City's Subordination Policy. Subordination for the purpose of refinancing an existing debt that is in a
superior lien position to this deferred payment mortgage may be allowed provided that all of the
following conditions are met:
• The proposed refinancing shall not result in an increase in debt in a superior position to the City's
loan; this includes any cash back to the Mortgagor.
• The proposed refinancing shall not "wrap in" any other debt such as credit card balances.
• The proposed refinancing terms are at market prevailing rates and fees, lowest available for the
borrower's risk category. Rate and/or monthly payment must be significantly enough lower than
the existing rate and/or monthly payment amount to compensate for closing costs and fees.
• The Mortgagor is occupying the property as their primary residence.
f. Recipient Selection Criteria: All recipients of assistance must meet the eligibility requirements as outlined
below. Eligible housing includes single family homes,town houses, twin homes and condominiums only.
Manufactured housing and mobile homes are not eligible for assistance under this program.
Applications will be processed on a first-qualified, first-served basis from all applicants meeting the
selection criteria, subject to funding availability and in such a manner as to comply with the statutory
requirements.
Other selection criteria will include the following:
• The applicant may not be delinquent on property taxes or on any debt owed to the City of Miami Gardens
and Miami-Dade County.
g. Sponsor Selection Criteria: N/A
h. Additional Information: N/A
C. Strategy Name HOMEOWNERSHIP ASSISTANCE PROGRAM Code 2
The City of Miami Gardens through the Homeownership Assistance Program will provide financial
assistance which can be used toward principal reduction and/or to pay for reasonable closing cost for
eligible persons and households who are first time homebuyers, to purchase a newly constructed or existing
residential property within the City of Miami Gardens. A first time homebuyer is defined as an individual
who has had no ownership in a principal residence during the 3-year period ending on the date of purchase
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of the property. The strategy will be available to assist extremely low, very low, low and moderate income
residents to purchase a single family home, town home, twin home or condominium.
b. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
C. Income Categories to be served: Extremely low, Very low, low and moderate
d. Maximum award: $ 20,000.00
e. Terms (all six items must be completed or "N/A"):
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan secured by a
recorded subordinate mortgage and note.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: The initial $10,000.00 will be provided in form of a deferred payment loan. If the
homeowner has continued living in the residence through maturity,the balance will be forgiven and
the Note considered satisfied.
5. Repayment: Any additional funding after the initial $10,000.00 will be provided in form of a repayable
loan, of$27.78 equal monthly payments.
6. Default: . Repayment of the outstanding principal balance of the loan is required if the property
receiving the financial assistance is rented, transferred or sold during the life of the loan. All
repayments from this program shall be considered Program Income.
In the case of sale or transfer of the unit, the borrower as per the following schedule will repay the
City:
i.0 — 5 years— 100% of both the City's loan balance and the pro-rata share of the net appreciation
(gain) is due to the City.
ii. 6 — 10 years — 100% of the loan balance and 50% of the pro-rata share of the net appreciation
(gain) is due to the City.
iii. 11 — 30 years — 100% of the loan balance is due to the City. The City will not share in the
appreciation after the 10th year.
The above appreciation sharing proposal will terminate in foreclosure.
In the event of death of all eligible homeowner(s), the heirs to the property can assume the obligation
based on the original terms and conditions provided to the homeowner as long as the heirs qualify
based on the original terms and conditions provided to the homeowner as long as the heirs qualify
based on age, income and household size, remain owner occupants of the property and do not sell or
rent the property for the remaining term of the mortgage and note. An heir or prospective purchaser
who does not qualify based on the provisions of this strategy will be required to repay the balance of
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• The applicant may not be delinquent on any debt owed to the City of Miami Gardens or Miami-Dade
County.
• Applicants purchasing Manufactured or Mobile homes are not eligible for funding under this strategy.
g. Sponsor Selection Criteria: N/A
h. Additional Information: The lender qualifying the applicant will determine the amount of
assistance. A subordination of this deferred payment mortgage will only be approved under the
guidelines of the City's Subordination Policy. Subordination for the purpose of refinancing an existing
debt that is in a superior lien position to this deferred payment mortgage may be allowed provided
that all of the following conditions are met:
• The proposed refinancing shall not result in an increase in debt in a superior position to the City's
loan;this includes any cash back to the Mortgagor.
• The proposed refinancing shall not"wrap in" any other debt such as credit card balances.
• The proposed refinancing terms are at market prevailing rates and fees, lowest available for the
borrower's risk category. Rate and/or monthly payment must be significantly enough lower than
the existing rate and/or monthly payment amount to compensate for closing costs and fees.
D. strategy Name DISASTER MITIGATION Code 5
a. Summary: This strategy will provide assistance for minor repairs, substantial rehabilitation,or
reconstruction of eligible housing in the aftermath of a disaster, declared by Executive Order of
the President or the Governor.To be eligible,the house must have been owner-occupied at the
time of the disaster.
b. Fiscal Years Covered: 2019-2020, 2020-2021,2021-2022
C. Income Categories to be served: Extremely low,Very low, low and moderate
d. Maximum award: $35,000.00
e. Terms(all six items must be completed or"N/A"):
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan secured by a
recorded subordinate mortgage and note.
2. Interest Rate:0
3. Years in loan term: 5 years
4. Forgiveness:The deferred payment loan is forgiven when the maturity date is reached.
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2. Interest Rate: 0
3. Years in loan term: 5 years
4. Forgiveness: The deferred payment loan is forgiven when the maturity date is reached.
5. Repayment: Repayment will be required only if loan is defaulted.
6. Default:
Default of the loan occurs if the Mortgagor no longer resides in the home as the principal residence,
or if any part of the Property or any interest in it is sold, transferred, gifted or otherwise conveyed,
whether by voluntary act, involuntary, by operation of law or otherwise, or if the Mortgagor is
divested of title by judicial sale, levy or other proceeding, or if foreclosure action is instituted against
the property, or if the Property is leased or rented, or the failure of the Mortgagor to make required
payments on a financial loan secured by a mortgage debt. All repayments from this program shall be
considered Program Income.
In the event of death of all eligible homeowner(s),the heirs to the property can assume the obligation
based on the original terms and conditions provided to the homeowner as long as the heirs qualify
based on income and household size, remain owner occupants of the property and do not sell or rent
the property for the remaining term of the Mortgage and Note. An heir or prospective purchaser who
does not qualify based on the provisions of this strategy will be required to repay the full loan amount
as provided by the City of Miami Gardens.
A subordination of this deferred payment mortgage will only be approved under the guidelines of the
City's Subordination Policy. Subordination for the purpose of refinancing an existing debt that is in a
superior lien position to this deferred payment mortgage may be allowed provided that all of the
following conditions are met:
• The proposed refinancing shall not result in an increase in debt in a superior position to the City's
loan; this includes any cash back to the Mortgagor.
• The proposed refinancing shall not "wrap in" any other debt such as credit card balances.
• The proposed refinancing terms are at market prevailing rates and fees, lowest available for the
borrower's risk category. Rate and/or monthly payment must be significantly enough lower than
the existing rate and/or monthly payment amount to compensate for closing costs and fees.
• The Mortgagor is occupying the property as their primary residence.
f. Recipient Selection Criteria: All recipients of assistance must meet the eligibility requirements as outlined
below.
Eligible housing includes single family homes, town houses, twin homes and condominiums only.
Manufactured housing and mobile homes are not eligible for assistance under this program.
Applications will be processed on a first-qualified, first-served basis from all applicants meeting the
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selection criteria, subject to funding availability and in such a manner as to comply with the statutory
requirements.
Other selection criteria will include the following:
• The applicant may not be delinquent on property taxes or on any debt owed to the City of Miami Gardens
and Miami-Dade County.
g. Sponsor Selection Criteria: N/A
h. Additional Information: N/A
E. Strategy Name: Rental Assistance Program Code 23
a. Summary:The Rental Assistance Program is created to provide financial assistance for households
to obtain or remain in quality,safe, decent and affordable rental housing.The Program will
assist individuals or families to reduce the time in which they are experiencing homelessness
and sustain housing with:
• security and utility deposit assistance,
• eviction prevention not to exceed 6 months, and
• rapid rehousing for homeless who require utility deposit, security deposits and/or temporary rental
assistance not to exceed 12 months.
The strategy is being coordinated through a regional partnership with the Miami-Dade County
Homeless Trust and other SHIP recipients to address homeless housing needs across jurisdictional
boundaries.
b. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
C. Income Categories to be served: Extremely low, Very low, low
d. Maximum award: $5,000.00
e. Terms (all six items must be completed or"N/A"):
1. Repayment loan/deferred loan/grant: Funds will be awarded as a grant
2. Interest Rate: N/A
3. Years in loan term: N/A
4. Forgiveness: N/A
5. Repayment: N/A
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6. Default: N/A
f. Recipient Selection Criteria:Applicants will be referred for assistance by the Homeless Trust's Coordinated
Outreach,Assessment and Placement(CORP) Program and be assisted on a first-qualified, first-served
basis.
• Miami-Dade County Homeless Trust, has established the COAP to provide coordinated single entry
referral and placement into permanent housing programs, including Rapid Re-Housing assistance.
Referral to housing programs assisted by, or through partnerships with, the Homeless Trust is
coordinated by the Homeless Trust's Housing Coordinator. All persons entering the shelters,
transitional housing and those engaged on the streets are assessed utilizing the VI-SPDAT assessment
tool and referral is based on chronicity and medical vulnerability assessment scores and the housing
assistance needed.
• Applicant must be an extremely low to very-low income homeless or at risk of becoming homeless
household and which may include at least one adult who is a person with special needs as defined in
section 420.0004.
Eligibility will be performed on an expedited basis and may include alternate forms of documentation,
such as current pay stubs and benefit letters, oral verification of employment wages, other income, and
assets.
g. Sponsor/Sub-recipient Selection Criteria:The City of Miami Gardens intends to administer this program
through a sub-recipient agency or agencies. A competitive Request for Proposals process in accordance
with Chapter 67-37.005(6)(b)7 of the Florida Administrative Code will be conducted by the Miami-Dade
County Homeless Trust to select an eligible sub-recipient agency or agencies. The Homeless Trust as the
lead agency will make referrals to the eligible sub-recipient agency and be responsible for verifying that
the referred household meets the SHIP homeless definition. The sub-recipients will be responsible for
assisting applicants with income verification and other SHIP documentation requirements. The selected
sub-recipient(s)must be able to deliver the SHIP Prevention and Rapid Re-Housing Assistance to homeless
households in the form of
• security and utility deposits assistance
• eviction prevention not to exceed 6 months
• rapid re-housing for homeless who require utility deposit,security deposits and/or temporary
rental assistance not to exceed 12 months.
h. Additional Information:
• The lease must be at least twelve months.
• Assistance will be provided directly to the utility or landlord, not the assisted household.
• Recipients of assistance must go through an assessment to determine likelihood of housing sustainability
and stabilization once the assistance period runs out. Such assessment process shall be governed by
the Homeless Trust's Rapid Re-Housing Standards of Care, policies and procedures.
• Recipients of other ongoing rental assistance (such as Section 8) are not eligible to receive assistance
under this Strategy.
• Assistance will be limited to a one time grant not to exceed$5,000 per household.
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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:
The City of Miami Gardens has implemented a process that will eliminate any delay in the review
of Workforce housing development projects permit applications. These applications will be
prioritized from other types of project applications in order to ensure expediting the projects.
Workforce housing projects will also be subject to a review (and approval) by an independent
review committee comprised of industry experts.
B. Name of the Strategy: Ongoing Review Process
The establishment of a process by which local government considers, before adoption, policies,
procedures, ordinances, regulations, or plan provisions that increase the cost of Workforce
housing.
Provide a description of the procedures used to implement this strategy:
The City of Miami Gardens has adopted policies which state that any regulation being proposed
that could potentially increase the estimated housing cost per unit, will be reviewed by the
Department of Planning and Zoning and the Department of Code Enforcement. These groups will
consider the effect of the proposed activity and its effects on the cost of Workforce housing prior
to their recommendation to the City Council. City Council will consider the financial impact
before making its decision on adopting the proposed regulation.
C. Other Incentive Strategies Adopted: N/A
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.
D. Signed LHAP Certification.
E. Signed, dated, witnessed or attested adopting resolution.
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F. Ordinance: (If changed from the original creating ordinance).
G. Interlocal Agreement.
H. Subordination Policy
I. Other Documents Incorporated by Reference.
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Exhibit A
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
LHAP 2019-2022
Exhibit A
Revised: 2/2019
City of Miami Gardens
Fiscal Year: 2019-2020
Estimated Allcoation for Calculating: $ 125,000.00
Salaries and Benefits $ 9,450.00
Office Supplies and Equipment $
Travel Per diem Workshops, etc. $ 2,000.00
Advertising $ 800.00
Other* $ 250.00
Total $ 12,500.00 0.1
Fiscal Year: 2020-2021
Estimated Allcoation for Calculating: $ 125,000.00
Salaries and Benefits $ 9,450.00
Office Supplies and Equipment $
Travel Per diem Workshops, etc. $ 2,000.00
Advertising $ 800.00
Other* $ 250.00
Total $ 12,500.00 0.1
Fiscal Year 2021-2022
Estimated Allcoation for Calculating: $ 125,000.00
Salaries and Benefits $ 9,450.00
Office Supplies and Equipment $
Travel Per diem Workshops, etc. $ 2,000.00
Advertising $ 800.00
Other* $ 250.00
Total $ 12,500.00 0.1
*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 adminsitrative costs are not to be included here, but must be
detailed in the LHAP main document.
Details:
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Exhibit B
Timeline for SHIP Expenditures
City of Miami Gardens affirms that funds allocated for these fiscal years will meet the following deadlines:
(local government)
Fiscal Year Encumbered Expended In Year AR 2nd Year AR Closeout AR
2019-2020 6/30/2021 6/30/2022 9/15/2020 9/15/2021 9/15/2022
2020-2021 6/30/2022 6/30/2023 9/15/2021 9/15/2022 9/15/2023
2021-2022 6/30/2023 6/30/2024 9/15/2022 9/15/2023 9/15/2024
If funds allocated for these fiscal years is not anticipated to meet any of the deadlines in the table above,
Florida Housing Finance Corporation will be notified according to the following chart:
Fiscal Year Funds Not Funds Not 1'Year AR 2nd Year AR Closeout AR
Encumbered Expended Not Not Not
Submitted Submitted Submitted
2019-2020 3/30/2021 3/30/2022 6/15/2020 6/15/2021 6/15/2022
2020-2021 3/30/2022 3/30/2023 6/15/2021 6/15/2022 6/15/2023
2021-2022 3/30/2023 3/30/2024 6/15/2022 6/15/2023 6/15/2024
Requests for Expenditure Extensions(close-out year ONLY) must be received by FHFC by June 15 of the
year in which funds are required to be expended.The extension request shall be emailed to
robert.dearduff@floridahousing.org and terry.aurineer@floridahousine.ore and include:
1. A statement that"(city/county) requests an extension to the expenditure deadline for fiscal
year
2. The amount of funds that is not expended.
3. The amount of funds that is not encumbered or has been recaptured.
4. A detailed plan of how/when the money will be expended.
Note:an extension to the expenditure deadline(June 30)does not relieve the requirement to submit
(September 15) the annual report online detailing all funds that have been expended. Please email
terry.aurinaer@floridahousina.ora when you are ready to "submit"the AR.
Other Key Deadlines:
AHAC reports are due for each local government by December 31 of the year prior to the local
government's LHAP being submitted. Local governments receiving the minimum or less allocation are not
required to report.
LHAP Exhibt C 2019
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2021-2022
Name of Local Government:
Estimated Funds(Anticipated allocation only):
Strategies
Code Qualifies for VU Units Max.SHIP U Units Max.SHIP Mod Max.SHIP j
n Without Total Units
Homeownership
75%set-aside Award Award Units AwardConstruction
.00 $0.00 $35,000.00 1
.00 $0.00 $50,000.00 1
00 $0.00 $20,000.00 1
.00 $0.00 $0.00 0
00 $0.00 $0.00 0
00 $0.00 $0.00 0
oo $0.00 $0.00 0
00 $0.00 $0.00 0
.00 $0.00 $0.00 0.00 $0.00 $0.00 0
Total Homeownership 0 2 1 .00 $0.00 $105,000.00 3 V
00
Purchase Price Umits: New Existing N
OK OK Q
Code Rental Qualifies for VU Units Max.SHIP LI Units Max.SHIP Mod Max.SHIP New Construction Without Total Units
7S%set-aside Award Award Units Award Construction
$0.00 $5,000.00 $5,000.00 1
$0.00 $0.00 $O.DO 0
$0.001 $0.D01 $0.001 0
$0.001 $0.001 $0.00 0
$0.001 $0.001 $0.001 0
Total Rental 11 1 01 0 $0.001 $5,000.00 $5,000.001 1
Administration Fees 10% OK
Home Ownership Counseling
Total All Funds $ 122,500 OK
Percentage Construction/Rehab(75%requirement) 84.0% OK
Homeownership%(65%requirement) 84.0% OK
Rental Restriction(25%) 4.0% OK
Very-Low Income(30%requirement) $ 5,000 4.0% OK
Low Income(30%requirement) $ 85,000 68.0% OK
Moderate Income $ 20,000 16.0%
LHAP Exhibit C 2019
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2020-2021
Name of Local Government:
Estimated Funds(Anticipated allocation only):
Strategies
Code Qualifies for VLI Units Max.SHIP LI Units Max.SHIP Mod Max.SHIP New Construction Without Total Units
Homeownership
75%set-aside Award Award Units Award Construction
$35,000.00 $0.00 $35,000.00 1
�;' � $so,000.00 $0.00 $so,000.o0 1
z 5zo,000.o0 50.00 $zo,000.o0 1
$o.ao $o.00 So.00 0
$o.00 So.00 $o.o0 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
So.00 $0.00 $0.00 0 �Q
$o.00 $0.00 $0.00 0
Total Homeownership 01 1 21 1 1 $105,000.001 $0.00 $105,000.00 3 V
C0
Purchase Price Limits: New Existing (�
OK OK O
Code Rental Qualifies for VLI Units Max.SHIP LI Units Max.SHIP Mod Max.SHIP New Construction Without Total Units N
75%set-aside Award Award Units Award Construction r
$0.00 $5,000.00 $5,000.00 1
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.001 $0.00 0
Total Rental 1 01 1 0 $0.00 $5,000.00 $5,000.00 1
Administration Fees 10% OK
Home Ownership Counseling
Total All Funds $ 122,500 OK
Percentage Construction/Rehab(75%requirement) 84.0% OK
Homeownership%(65%requirement) 84.0% OK
Rental Restriction(25%) 4.0% OK
Very-Low Income(30%requirement) $ 5,000 4.0% OK
Low Income(30%requirement) $ 85,000 68.0% OK
Moderate Income $ . 20,000 1 16.0%
LHAP Exhlbt C 2019
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2019-2020
Name of Local Government:
Estimated Funds(Anticipated allocation only):
Strategies
Code Qualifies for VU Units Max.SHIP U Units Max.SHIP Mod Max.SHIP Construction Without Total Units
Homeownership
7S%set-aside Award Award Units Award Construction
6 Enierjenry Refie66140rre, $50,000.00 $0.00 $50,000.00 1
2 HornoowneidfiAstisfanctr"1'fdgr+ltn' a -, Yr1 " t7 .-:,$2D,40f)*� 10 god �- $20,000.00 0.00
ip' is 3S_.,. , ...-_: $ $20,000.00 1
5 DidasterMftlgatiori"" Yss „.,L) ,.. $35",S>d0 $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 .moi
_.:.: .._. .. _.. .. _
$0.00 $0.00 $0.00 0
Total Homeownership 01 1 2 1 $105,000.00 $0.00 $105,000.00 3 ft-AX
00
Purchase Price Limits: New Existing ,p
OK OK 0
Code Rental. Qualifies for VU Units Max.SHIP U Units Max.SHIP Mod Max.SHIP New Construction Without Total Units V1
75%set-aside Award Award Units Award Construction
$0.00 $5,000.00 $5,000.00 1
$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 L 0 0 $0.001 $5,000.001 $5,000.001 1
Administration Fees 10% OK
Home Ownership Counseling
Total All Funds $ 122,500 OK
Percentage Construction/Rehab(75%requirement) 84.0% OK
Homeownership%(65%requirement) 84.0% OK
Rental Restriction(25%) 4.0% OK
Very-Low Income(30%requirement) $ 5,000 4.0% OK
Low Income(30%requirement) $ 85,000 68.0% OK
Moderate Income I$ 20,000 16.0% :7
Page 185 of 519 Exhibit C
E V/
1
t
200
City of Miami Gardens
State Housing Initiative Partnership
(SHIP)
Affordable Housing Advisory Committee
Incentive Strategies Review Report
Submitted to City Council
June 12, 2019
Page 186 of 519
Background
Pursuant to Chapter 420.9076, F.S., all communities that participate in the State Housing Initiatives
Partnership (SHIP) Program and receive over$350,000 are required to convene a local housing advisory
committee to be eligible for continued funding. The committee is required to triennially review
established policies, procedures, ordinances, land development regulations,the adopted comprehensive
plan, and eleven affordable housing incentives specified in the statute, and to recommend actions or
initiatives to the local governing body to encourage or facilitate affordable housing while protecting the
ability of property to appreciate in value.
At a minimum, the Affordable Housing Advisory Committee (AHAC) shall submit a report to the local
governing body that includes recommendations on affordable housing incentive strategies. These
recommendations, if any, will update the current affordable housing incentives contained in the City's
Local Housing Assistance Plan (LHAP), which was adopted on April 13, 2016 by Resolution No. 2016-77-
2976.
The AHAC met during the months of March and April 2019 to discuss, review and make recommendations
on the following eleven incentive strategies:
a) Expedited Review-The processing of approvals of development orders or permits for affordable
housing projects is expedited to a greater degree than other projects.
b) Impact Fees-The modification of impact-fee requirements, including reduction or waiver of fees
and alternative methods of fee payment for affordable housing projects.
c) Density Bonuses-The allowance of flexibility in densities for affordable housing projects.
d) Infrastructure Reservation -The reservation of infrastructure capacity for housing for very low-,
low-, and moderate-income persons.
e) Accessory Dwelling Units (ADUs) - The allowance of affordable accessory residential units in
residential zoning districts.
f) Parking and Setback Requirements - The reduction of parking and setback requirements for
affordable housing.
g) Flexible/Zero Lot Line Configurations - The allowance of flexible lot configurations, including
zero-lot-line configurations for affordable housing.
h) Street Requirements-The modification of street requirements for affordable housing.
i) Ongoing Review-The establishment of a process by which a local government considers, before
adoption, policies, procedures, ordinances, regulations, or plan provisions that increase the cost
of housing.
j) Inventory of Public Lands -The preparation of a printed inventory of locally owned public lands
suitable for affordable housing.
k) Development Near Transportation & Mixed Use - The support of development near
transportation hubs, major employment centers and mixed-use developments.
Currently the City of Miami Gardens has two (2) incentives in place, referenced as (a) and (i) above, as
part of the Local Housing Assistance Plan:
1) Expedited Review-The processing of approvals of development orders or permits for affordable
housing projects is expedited to a greater degree than other projects.
2) Ongoing Review-The establishment of a process by which a local government considers, before
adoption, policies, procedures, ordinances, regulations, or plan provisions that increase the cost
of housing.
City of Miami Gardens-AHAC Report 11 P a g e
Page 187 of 519
The AHAC membership includes:
QualificationsName&Agency Housing Related Field
1 Albert Cruz, General Residential Home Mr. Cruz is active in the residential rehab
Contractor Building industry industry and has participated in several
All Dade General rehab programs for Miami Dade County
and the Cities of North Miami, Miami and
Miami Gardens.
2 Sherwood Dubose Represents Employers Sherwood is active in the community and
within City of Miami is the former Miami Gardens Chamber of
Gardens Commerce Board President.
3 Diana Delgado Gourge, Essential Service Diana is a resident, a MGPD police officer
Police Officer MGPD Personnel and she received assistance from the City's
NSP program to purchase her home.
4 Claudienne Hibbert, Real Estate professional Claudienne grew up in Miami Gardens, is a
Real Estate Agent local realtor, and knows the housing
Keyes Company market in Miami Gardens very well.
5 Robin Holley,Affordable Banking Industry Robin is active in affordable housing and
Housing Specialist working with low-to-moderate income
Florida Community Bank individuals and grant programs
throughout Miami-Dade County including
Miami Gardens. Florida Community Bank
is one of the City's approved lenders.
6 Ana Braynon Resident Ms. Braynon is a Miami Gardens
community resident and has volunteered
at the Covent House for the past 10 years,
that service Homeless youth within the
State of Florida. She has knowledgeable of
infrastructure improvement within local
governments by making a difference in
_ lives of residents in Dade County.
7 Sandra Newson,VP of Not-for-Profit Provider Jackie is Special Projects Director at
Resident Services of Affordable Housing Carrfour and works in their Development
Carrfour Supportive Department. She is familiar with the
Housing development of and incentives for
affordable housing. Carrfour is one of the
largest non-profit providers of affordable
housing in Miami-Dade. They operate a
permanent supportive housing program at
the Del Prado Gardens community that the
_
City funds t_hru its Public Services grants.
8 Paul Scott, General Residential Home Mr. Scott is an active contractor in our
Contractor Building Industry residential rehab program and is a Miami
Quality Plus Gardens resident.
Construction
City of Miami Gardens-AHAC Report 2 1 P a g e
Page 188 of 519
9 Eugene Simmons, Banking Industry Mr. Simmons is a resident of Miami
AVP/Community Gardens, is active in affordable housing
Development Officer and working with low-to-moderate
Total Bank income individuals in Miami Gardens.
Total Bank is one of the City's approved
lenders.
Ms. Nakeischea Smith, Planning and Zoning Director and Ms. Jeannette M. Smith, Community
Development Director provided the background information, documents, data and staff support needed
to assist the AHAC with its scope of work.
Meetings
The AHAC meetings were held on the following dates and times at the City of Miami Gardens City Hall,
Community Room (15C Floor), 18605 NW 27`h Avenue, Miami Gardens, FL 33056:
Date Time
March 14, 2019 5:30pm _
March 21, 2019 4:OOpm
April 4, 2019 4:OOpm
Public Hearing
A notice of public hearing was published in the Miami Herald on March 17, 2019.The public hearing was
held on Thursday, April 4, 2018. At this meeting the AHAC adopted its recommendation and authorized
staff to submit the AHAC report to the City of Miami Gardens City Council for its consideration.
Committee Members in Attendance: Albert Cruz, Jina Braynon, Sandra Newson, Diana Delgado Gourge,
Claudienne Hibbert, Robin Holley, Paul Scott, and Eugene Simmons.
Attendees other than Committee Members: Nakeischea Smith, Planning and Zoning Director; Laura
La Liberte, Community Improvement Director; Kevin Brown, Legislative Analyst and Jeannette M. Smith,
Community Development Director.
Public Comments Received: No public comments were received.
Review of Incentives and Recommendations
After discussions among the AHAC members, the following recommendations are being made for
consideration by the City Council.
(a) Incentive: The processing of approvals of development orders or permits for affordable housing
projects is expedited to a greater degree than other projects as provided in s.163.3177(6)(f)3.
City of Miami Gardens-AHAC Report 3 1 = -
Page 189 of 519
Discussion:The Staff verified with the City's Building Official that the expedited permitting process in
place since 2008 that pertain to projects under the City's Affordable Housing programs such as home
rehabilitation and disaster mitigation are functioning well. All permits initiated under these programs
are identified at the beginning of the application process and stamped with an "Expedited" stamp.
The current review process is still in place and as follows
Expedited Review Standard Review
5-10 Business Days 15-20 Business Days
Recommendation: No action is recommended.
(b) Incentive: The modification of impact fee requirements, including reduction or waiver of fees and
alternative methods of fee payment for affordable housing.
Discussion: The City of Miami Gardens does not currently waive impact fees at the City level for
developers. There are fees imposed by the City and fees imposed by the County; however the City
does not have authority over the fees imposed by the County or other entities such as the School
Board. The City's impact fees are as follows and are based on a per unit rather than per square foot.
All
Residential
Park Open Space $3,826.00
Park $3,826.00
Improvement
General
Administration $ 219.80
Police $ 537.27
Recommendation: The AHAC Committee is recommending that the fee be reduced for affordable
housing developments as follows:
Detached Residential multi
Residential Attached Family
Park Open Space $1,522.00 $1,267.00 $839.00
Park
_ Improvement $1,403.00 $1,207.00 $ 839.00
General $ 219.80 $ 185.55 $ 127.78
Administration
Police $ 410.70 $ 410.70 $ .29
(c) Incentive:The allowance of flexibility in densities for affordable housing.
City of Miami Gardens -AHAC Report 4 P a g e
Page 190 of 519
Discussion: Density bonuses currently exist within the City's Land Development Regulations (LDR) as
an incentive for providing certain development features such as constructing mixed-use development,
upgrading architecture, improved urban open space, transit amenities and sustainable construction
and building systems. The Committee discussed the possibility of extending these density bonuses to
certain types of Affordable or Workforce housing projects, particularly mid-rise to high-rise multi-
family units.
Recommendation: No action is recommended.
(d) Incentive: The reservation of infrastructure capacity for housing for very low-income persons, low-
income persons and moderate-income persons.
Discussion: As per the City's Comprehensive Development Master Plan, the entire sanitary
sewer/wastewater, potable water and solid waste systems serving Miami Gardens is owned and
maintained by Miami-Dade County, the City of North Miami Beach or the City of Opa-
Locka. Concurrency review and analysis and water supply planning ensures that enough
infrastructure capacity is available for both affordable and market-rate housing development.
Recommendation: No action is recommended.
(e) Incentive: The allowance of affordable accessory residential units in residential zoning districts.
Discussion: Accessory Dwelling Units (ADUs) are one option to providing affordable rental housing
alternatives and can also help the elderly age in place. While ADUs are suggested in the City's
Comprehensive Plan, there is no language in the Land Development Regulation to allow them. The
committee discussed both the pros and cons of ADUs as a means of providing affordable housing.
Recommendation: No action is recommended.
(f) Incentive: The reduction of parking and setback requirements for affordable housing.
Discussion: The City offers administrative variances to reduce parking and setback requirements up
to 25%. Variances over 25% must go before City Council at a public hearing. Prior to applicants being
able to submit an application for a variance,the Planning and Zoning Division reviews the variance to
ensure it is an authorized variance that meets the criteria for granting variances per Section 34-47 of
the City's Code of Ordinances. This review helps to ensure applicants do not expend time or money
on a request that cannot be granted or is unlikely to be supported by staff based on the review criteria.
The Committee reviewed the fee schedule for both administrative and public hearing types of
variances and deemed both the current process and existing fee schedule to be fair and reasonable
for both market rate and affordable housing.
Recommendation: No action is recommended
(g) Incentive: The allowance of flexible lot configurations, including zero lot line configurations for
affordable housing.
Discussion: There was a very open discussion by the Committee for the zero lot for single family areas.
The Committee agreed that the current Land Development Regulations (LDR) provides sufficient
City of Miami Gardens-AHAC Report 5 1 -- I - -
Page 191 of 519
flexibility for both market rate and affordable housing developers in terms of lot configuration and
setback options.
Recommendation: No action is recommended
(h) Incentive: The modification of street requirements for affordable housing.
Discussion: No discussion
Recommendation: No action is recommended
(i) Incentive: The establishment of a process by which a local government considers, before adoption,
the policies, procedures, ordinances, regulations, or plan provisions that may increase the cost of
housing.
Discussion: There is a process already in place where Community Development staff, responsible for
the housing programs within the City, is notified of all agenda items and is given an opportunity to
review and comment on its impact to the City's housing programs. The Committee members
suggested to add another step where the AHAC is notified of any changes to proposed resolutions or
ordinance proposed changes that impact Affordable Housing so they will have an opportunity to
comment before the item passes.
Recommendation: Require the Community Development Director or designee to notify the AHAC of
all agenda items,which have the potential to impact affordable housing within the City.
(j) Incentive: The preparation of a printed inventory of locally owned public lands suitable for
affordable housing.
Discussion: The Planning and Zoning Division has compiled a list of City owned properties not zoned
for single family residential; these are primarily recreational facilities and commercial sites. The
Community Development Department maintains a list of City owned single family residential
properties, all of which have been identified as suitable for affordable housing.
Recommendation: No other action is recommended.
(k) Incentive: The support of development near transportation hubs and major employment centers
and mixed-use developments.
Discussion: Currently there are no mixed-use developments, transit centers or major employment
centers within the City. The committee agreed that recommendations could be made in the future
once these types of projects have been constructed, as there are several projects anticipated in the
near future or currently within the development pipeline.
Recommendation: No action is recommended.
City of Miami Gardens -AHAC Report 6 = -,