►
Description
A JOINT PUBLIC HEARING WITH THE CITY OF ALBANY HOUSING AND COMMUNITYDEVELOPMENT COMMITTEE AND ALBANY COMMUNITY DEVELOPMENT AGENCY (ADCA) IS SCHEDULED TO ANNOUNCE THE YEAR 47 CDBG/HOME/ESG PRELIMINARY AWARDS AND CONSIDER ANY APPEALS. APPLICANTS MAY SUBMIT WRITTEN APPEALS UNTIL NOON ON APRIL 7, 2021.
RESOLUTION NUMBER 20.22.21R (MC) (As Amended)
RESOLUTION DESIGNATING THE MAYOR TO ACT AS OFFICIAL REPRESENTATIVE OF THE CITY OF ALBANY TO SUBMIT ANNUALLY TO THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT THE “ANNUAL ACTION PLAN”, AND AMENDMENTS THERETO, UNDER THE COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM
RESOLUTION NUMBER 32.41.21R
A RESOLUTION OF THE COMMON COUNCIL OF THE CITY OF ALBANY CALLING ON THE MAYOR OF THE CITY OF ALBANY AND OUR COUNTY, STATE, AND FEDERAL PARTNERS TO IMPLEMENT MORE INCENTIVES FOR AFFORDABLE HOMEOWNERSHIP AND GRANTS FOR HOMEOWNER MAINTENANCE ASSISTANCE
A
B
A
A
D
A
A
A
C
This
year
include,
let's
see
sorry
the
boys
and
girls
club
and
black
nurses
association
they're,
not
so
much
new
applicants,
but
they
do
both
have
new
programs,
the
teen
program
for
the
boys
and
girls
club
and
then
albany
level
up
for
the
black
nurses
coalition
coalition,
which
is
a
telehealth
program,
the
other
new
radix
south
end
neighborhood
tutors
in
uscri
all
our
new
programs
this
year
for
our
regular
program
years.
They
actually
did
receive
funding
through
the
summer
with
the
covid.
C
C
F
E
C
I
don't
think
so
I
mean
everything
is
exactly
the
same
as
it
was
the
last
time
we
met,
and
I
guess
that's
on
you
if
you
guys
want
to
meet
again.
I
think
we
had
a
tentative
date
set
for
next
week
correct
to
get
back
together,
but
I
I
don't
anticipate
any
changes
going
forward.
So
I
guess
that's
up
to
you
and
if
you'd
like
to
have
that
meeting.
A
D
A
B
A
B
Okay,
so
this
resolution
came
about
from
a
constituent
of
miss
loves
in
regards
to
some
of
the
blight
in
the
downtown
area
and
also
in
regards
to
a
lot
of
the
changes
that
this
person
noticed
going
on
in
the
neighborhood
and
noticing
that
there
tends
to
be
a
shift
towards
more
residential
rental
properties
as
opposed
to
more
residential
home
ownership.
What
came
about
during
my
research
and
in
conversation
with
this
resident
is
the
opportunity
zones
and
the
redlining
that
happened
in
the
past
so
up
on
your
screen.
B
Currently
is
the
red
line
map
of
what
the
banks
did
and
deny
mortgages
in
these
red
areas
in
2017,
the
jobs,
the
jobs
act
and
tax
cut
jobs,
creation
and
tax
cut
act
then
created
what
is
now
known
as
the
opportunity
zones,
and
this
is
the
current
map
of
our
area
and,
as
you
can
see,
the
map
basically
mimics
the
red
line
map
almost
to
the
t,
with
the
exception
of
this
portion
of
of
downtown.
But
it's
basically
mirrors
it
in
a
sense.
What
the?
B
We
you
know
generally,
the
term
is
affordable
housing
but
being
very
specific.
It's
towards
affordable
rental
housing,
and
so
that
one
of
the
concerns
was,
you
know
that
trainings
more
into
affordable
housing
and
that,
given
with
this
pandemic
and
on
top
of
just
the
general
cost
of
home
ownership,
it
has
gone
up
now,
I'm
pretty
sure,
as
many
people
realize,
the
cost
of
lumber
now
has
gone
like
three
times
since
the
year
passed,
so
even
doing
minor
renovation
has
even
gone
up.
A
C
C
Well,
it
goes,
it
depends
on
the
size
of
the
family.
I
can
tell
you
that
a
family
of
one
is
about
54
000,
and
then
it
goes
up
incrementally
from
there.
I
can
send
the
chart.
Actually
I
could
in
a
second
as
I
we're
going
through
here,
I
can
bring
up
the
chart
for
you
on
one
of
our
program
guidelines.
If
you'd
like
and.
C
Yes,
yep:
this
is
on
our
website
when
we,
when
the
pandemic
hit,
we
put
all
of
our
program
guidelines
and
applications
onto
our
website
to
make
it
a
little
easier
for
folks
to
download
it.
Some
some
people
still
have
access
issues
because
they
don't
have
access
to
the
internet,
but
we're
working
through
that
and
we're
actually
going
to
start
some
come.
C
It
doesn't
have
to
be
in
a
particular
neighborhood,
but
throughout
the
city
to
make
them
lead
safe
for
families
with
children
under
the
age
of
six,
they
can
either
have
children
living
with
them
under
the
age
of
six
or
who
visit
on
a
regular
basis
under
the
age
of
six.
So
we
have
just
finally
gotten
our
staff
in
place
for
this
and
we'll
have
started
our
our
assessments
and
work
right
ups
of
the
homes
and
so
we're
getting
a
good
start
on
that.
C
C
If
the
changes
and
modifications
weren't
made
to
their
home,
that's
a
25
000
grant
that
can
be
used
to
do
whatever
is
needed
in
the
home,
whether
it's
a
ramp,
whether
it's
lowering
counters
in
the
kitchen,
widening
doorways,
you
know
helping
make
a
bathroom
accessible.
You
know
those
are
typically
the
things
that
we've
seen.
C
We
just
started
that
program
in
2019,
so
we've
really
only
had
about
I'm
going
to
say
about
five
people
who
have
been
able
to
take
advantage
of
the
program
because,
obviously
in
2020
we
weren't
able
to
do
a
lot
with
that
program
or
with
any
other
program.
So
we're
hoping
to
hoping
that
we'll
have
more
people
come
and
access
that
program,
the
homeowner
assistance
program.
That's
our
that's
our
biggest
grant
program
for
homeowners
in
this
city.
C
That
is
the
it's
a
forty
thousand
dollar
grant
that
will
assist
homeowners
with
code
related
items.
Everything
we
do
has
to
has
to
relate
back
to
either
an
emergency,
a
health
situation
or
code
related
items.
So
you
know
our
programs
can
be
used
if
there's
a
roof
issue.
If
there's
a
boiler
issue,
anything
that
would
would
make
have
them
have
an
issue
with
the
codes
on
their
home.
C
We
can't
just
use
it
to
replace
a
kitchen
if
something
you
know,
if
someone
doesn't
like
a
kitchen
or
if
they
want
to
upgrade
their
kitchen
or
anything,
it's
really
only
code
related
items.
Danielle
can
you
go?
Can
I
do
it?
I
don't
know.
If
I
can,
can
you
go
down
a
little
bit
there?
We
go
the
home
acquisition
program,
that's
our
down
payment
assistance
program.
C
It
can
help
with
closing
costs
and
with
down
payments
when
a
person
purchases
a
home
in
albany
and
then
the
the
last
three,
the
senior
rehab
program,
the
rehab
assistance
program.
Those
are
our
five
thousand
dollar
emergency
repair
grants,
the
ones
that,
when
you
know
say
somebody
needs
a
quick
repair
to
a
boiler,
or
sometimes
the
boilers
can
be
replaced
with
that
or
their
front
steps.
You
know
some
anything
that
causes
a
risk
to
the
safety
of
the
homeowner.
C
E
C
We
just
approved
an
amount
of
cdbg
funding,
roughly
in
the
400
000
range
and
the
same
for
our
home
funds.
So
there's
a
decent
amount
there
you
know
we
we
do
go
over
budget.
Sometimes
it
depends.
You
know
on
the
need
of
the
of
the
family
and
the
situation
in
the
home.
We
are
going
to
try
unless
the
house
is
really
not
salvageable
or
not
able
to
be
helped
with
the
funding
that
we
have.
You
know
we.
C
We
have
some
flexibility
with
the
funding,
but
your
resolution,
I
think,
is
coming
at
a
good
time
for
us
joyce.
We
just
hired
a
person
to
start
working
in
our
office
on
the
19th
he'll,
be
there
and
he's
feeling
a
need
that
we
haven't
had
in
a
long
time
our
deputy
director
retired
this
summer,
and
this
person
has
a
lot
of
planning
experience,
a
lot
of
community
development
experience
and
what
we've
asked
what
I've
asked
him
to
do
when
he
comes
aboard
is
to
take
a
look
at
all
of
our
programs.
C
G
C
This
you
know
yeah,
I
know
it's
time
consuming
and
it's
and
we
actually
have
another
position
that
we'll
be
filling,
which
is
an
intake
specialist
who
will
be
doing
exactly
what
you've
been
doing
with
your
with
your
constituents,
somebody
who
will
from
start
to
finish,
get
through
the
application
process
with
them
if
they
don't
have
a
deed,
we'll
help
them
figure
out
how
to
get
that
deed.
And
all
of
that.
So
a
couple
of
things
that
we've
been
missing
and
I
think
it's
you
know
the
time
is
great.
H
A
D
A
D
Absolutely
first
of
all
good
evening,
everyone
and
thank
you
for
the
opportunity
for
us
well
for
the
housing
authority
to
basically
highlight
our
efforts
and
our
commitment
in
home
ownership
in
the
communities
that
we
serve.
Just
I
would
like
to
if
you
allow
me
to
share
some
of
the
background
in
our
homeownership
efforts.
D
When
I
first
started,
probably
about
the
early
2000s,
we
started
a
homeownership
program
well
in
building
home
ownership
that
was
called
frederick
douglass
homes.
I'm
not
sure
if
many
are
familiar
with
that
they
were
five
homes
that
were
built
in
the
south
end
located
in
areas
of
alexander
and
third
avenue.
D
D
Currently,
our
ongoing
programs-
and
this
shoe
has
been
something
that
we've
been
doing
for
years
under
our
section
8
home
ownership
program.
If
a
participant
is
interested
in
home
ownership
and
they
are
disabled,
they're
eligible
to
receive
a
lifetime
assistance
where
we
would
assist
them
in
paying
their
mortgage.
D
D
Currently
we
have
16
families
owning
their
homes
under
that
particular
program,
and
we
have
four
that
are
currently
searching
now
prior
to
and
just
to
give
you
an
idea
prior
to
anyone
purchasing
a
home
under
that
program,
they
are
required
to
attend
a
homeowner's
one-on-one
per
se
before
a
voucher
can
be
issued
for
the
purchase
of
a
home
for
any
participants.
They
must
complete
that
those
basic
programs
are
home:
maintenance,
budgeting
and
money
management,
credit,
counseling
and
credit
repair,
obtaining
financing
and
loan
approvals.
D
They
really
take
them
from
the
beginning
to
the
end
types
of
financings
how
to
find
a
home
advantages
of
purchasing
a
home
in
low
poverty
areas
and
then
information
on
fair
housing
lending
and
local
enforcement
agencies.
Those
are
the
courses
we
do
not
administer
those
classes.
We
refer
them
to
the
agencies
that
are
specialized
in
that
area.
D
D
It
outlines
a
family's
initiative
in
a
five-year
span
of
becoming
self-sufficient,
a
part
of
that,
as
they
outline
that
there's
an
incentive
as
their
income
increases
as
their
income
increases.
There
is
an
established
escrow
account
that
allows
them
to
have
monies
that
goes
into
their
account
that
ultimately,
at
the
end
of
their
agreement
term.
Typically
it's
five
years.
If
there's
a
need,
it's
extended
to
an
additional
two
years,
totaling
seven-
they
can
actually
gain
access
to
those
funds.
It's
actually
their
money
and
many
times
our
families
have
purchased
homes
with
that
money.
D
So,
just
to
give
you
an
idea
to
date,
there
are
approximately
19
participants
who
have
purchased
homes
through
the
family
self-sufficiency
program.
Typically,
what
they
try
to
do
in
terms
of
credit
repairs
when
a
family
has
reached
say
about
2500
in
their
escrow
account.
They
really
try
to
encourage
them
to
work
towards
that.
If
that
is
something
that
they're
interested
in,
we
did
find
that
not
everyone's
interested
in
home
ownership,
but
it's
the
opportunity
is
there.
If
that
is
something
that
they're
interested
in.
D
Currently
we
have
51
family
self-sufficiency
participants
who
are
actively
at
some
point
preparing
for
home
ownership,
they're
either
doing
credit
repairs
they're
currently
either
in
the
home
buyer
one-on-one
courses
they're
at
some
stage
of
looking
for
financing
options
for
to
purchase
a
home.
So
that
is
a
program
that
is
ongoing
and
we
have
been
doing
since
I've
been
with
the
housing
authority.
I
would
say
early
2000
well,
I
started
in
1999,
but
early
2000
is
when
the
family
self-sufficiency
program
really
started
to
take
off.
D
Currently
we
are
in
a
partnership
agreement
with
the
albany
community,
land
trust
and
habitat
for
humanity,
well,
habitat
for
humanity
of
capital
district,
whereas,
as
you
know,
the
housing
authority
are
doing
many
phases
in
the
idr
pro
phase.
One
two
and
three
well
phase
three
will
consist
of
six
home
ownership
opportunities
where
three
sets
of
two
units
will
be
built
for
homeownership.
D
They
will
target
families
that
are
fifty
percent
or
that
are
below
fifty
percent
of
the
area.
Medium
income
and
again
they'll,
probably
be
programs,
but
that
is
something
that
humanity
habitat
for
humanity
will
work
towards,
because
that
is
really
what
they
do
in
preparing
families
for
home
ownership
so
that
we
are
currently
locking
in
and
securing
all
the
funding
and
tying
all
of
the
loose
ends.
The
housing
authority
did
secure
dri
funding
through
the
new
york
state,
housing
and
community
renewal
for
this
particular
program.
D
A
D
A
D
Absolutely
they
are,
I
will
be
honest
and
I
will
look
to
find
out
if
they're,
how
can
I
say
when
you
click
on
our
website?
If
that's
something
quick
to
see,
but
I
can
tell
you
that
they
are
on
the
website.
Navigating
might
be
a
challenge,
but
we
will
improve
that.
I'm
in
the
process
of
looking
over.
You
know
revamping
at
some
point
we'll
get
there
our
website,
so
we
will
make
it
more
accessible
in
terms
of
actually
being
able
to
see
it.
But
yes,
it
is
on
our
website.
D
So,
yes,
we
do
try
to
get
out
as
much
as
we
can.
We
have
an
instagram
account
it's
fairly
new,
but
we
are
trying
to
utilize
those
platforms
to
get
out
the
to
get.
The
word
out:
we
have
a
system
that
we
try
to
text,
email
and
call
oftentimes
it's
depending
on
the
voice
and
when
what
it's
said
when
they,
when
someone
might
pick
up,
they
quickly
hang
up
so
that
may
not
be
getting
through
as
much,
but
we
try
all
avenues
to
get
out.
The
word.
A
So
I
would
love
for
you
to
send
me
the
links
and,
if
you
can
make
sure
I
also
get
the
links
I
will
put
the
links
in
the
minutes
for
this
particular
committee
meeting
notice.
I
am
wondering
if
it
would
be
appropriate
for
there
to
be
cross
links
also
to
your
respective
programs
for
anybody
who
is
looking
for
information
about
the
full
universe
of
opportunities
that
might
be
available
to
them.
D
I'm
happy
to
send
you
the
link,
but
I
would
like
to
say
that
the
one
program
that
is
open
to
the
public
will
most
likely
be
the
idr
role
on
home
ownership.
Once
that
is
actually
worked
out,
there
will
probably
be
some
promotion
in
terms
of
the
other
programs.
It's
we
can
send
you
the
link.
It
is
contingent
on
your
our
residence
or
a
section
8
participant,
but
they
would
have
to
be
on
those
programs
or
live
with
us
in
order
to
be
eligible
for
the
family
self-sufficiency
program.
A
A
It
was
talked
about
for
so
many
years
and
addresses
so
many
problems
and
mr
franco,
if
you
could
provide
us
with
a
little
bit
of
information
about
what
the
land
bank
does
and
especially
our
emphasis,
is
on
assisting
people
looking
to
occupy
homes,
and
I
and
I
want
to
say
I
think
that
there's
a
concern
also
about
how
do
we
make
sure
that
properties
wind
up
in
the
hands
of
people
who
have
been
in
the
neighborhood
long
term
is
also
a
concern.
So,
mr
franco,
if
you
could
address
that
sure.
D
F
Thank
you
guys
for
for
having
me
I'm
adam
zoranko,
I'm
the
executive
director
of
the
albany
county
land
bank
and
I'm
happy
to
talk
about
our
work
and
and
the
space
that
you
know
some
of
the
leadership
roles
that
we're
taking
in
homeownership,
especially
in
the
city
of
albany.
I
don't
know
jr
if
I
can
share
my
screen,
but
we
have
our
own
redlining
activity
map
that.
F
We
have
a
lot
of
powers
under
the
state
statute
that
allow
us
to
do
things
that
local
governments
cannot
and
that
the
real
estate
market
won't
and
that's
the
space
that
we
operate
in
and
we've
been
rather
successful
in
filling
some
of
those
gaps
in
the
market.
The
city
of
albany
has
a
tremendous
vacant
property
problem
and
it
has
assured
the
council's
very
well
aware
for
quite
some
time,
it's
probably
the
biggest
barrier
to
you
pursuing
that
goal
of
increasing
home
ownership,
especially
local
ownership.
F
There's
a
couple
things:
one:
the
legacy
of
redlining,
so
the
the
impacts
to
your
to
the
residents
that
are
living
in
the
historically
red
line.
Neighborhoods
the
hopefully
you've
seen
some
of
the
work
that
we've
had
to
do
just
to
get
access
to
capital
for
people
living
in
those
communities
which
included
going
out
to
syracuse,
to
find
partners
willing
to
work
with
us
to
increase
lending
and
then
the
prevalence.
F
The
concentration
of
vacant
and
abandoned
properties
is
reducing
the
after
repair
value
of
the
properties
in
any
given
red
line,
neighborhood
in
the
city
of
albany,
and
that's
true
for
water
of
elite
and
cohos
and
for
other
upstate
cities.
You're,
not
alone,
but
it's
especially
problematic
at
a
per
capita
basis,
given
the
size
of
albany
and
a
number
of
vacant
properties.
F
But
the
one-two
punch
here
is
that
the
folks
that
live
in
the
neighborhoods
that
have
been
denied
the
opportunity
to
get
into
intergenerational
wealth
and
get
lending
from
banks
and
financial
institutions
precludes
them
from
getting
money
to
purchase
and
rehab
buildings
from
the
land
bank.
Despite
how
low
we
can
sell
them
for
and
all
the
different
grants
and
subsidies
that
we
can
stack
and
banks
won't
lend
on
those
properties.
F
Because
of
you
know,
pick
your
reason,
one
economic
reason
being
that
the
neighborhood
is
full
of
vacant
and
abandoned
properties
for
some
of
these
adjacent
to
them
that
reduce
the
overall
value
once
the
property.
So
the
economics
are
upside
down
right
now,
you
know
to
rehab
a
vacant
property
from
the
land
bank
cost
anywhere
between
60
to
150
000,
before
acquisition
costs,
the
average
price
of
a
you
know,
single
family
or
two
family
in
a
historically
red
line.
F
F
There's
not
enough
subsidy
alone
out
there
to
create
those
home
ownership.
You
know
affordable
home
ownership
opportunities
on
their
own,
which
is
why
we
engage
the
community
development
financial
institution
out
of
syracuse
that
does
flexible
lending
and
underwriting
to
people
that
can't
go
to
banks
or
banks
won't
lend
to
them.
So
they
can
get
that
capital
into
their
hands,
so
they
can
purchase
properties
for
discount
programs.
F
F
The
first
step
should
be
to
keep
people
in
their
homes,
so
things
you
can
do
to
keep
existing
homeowners
in
those
homes
is
certainly
going
to
help
with
that
goal.
I
like
the
notion
that
I'm
hearing
of
you
know
helping
with
capital
improvements
investing
in
properties
that
would
become
bigger,
more
costly
issues
down
the
road.
The
work
that
fay
does.
Those
types
of
grants
are
very
helpful
because
once
a
property
becomes
abandoned
or
vacant
and
not
necessarily
go
to
foreclosure,
but
once
it
hits
the
market
right
now.
F
There's
a
tremendous
unmet
demand
for
affordable
rentals
here:
quality,
affordable
rentals,
not
just
you
know,
a
lot
of
things
can
be
affordable,
doesn't
mean
that
they're
that
they're
up
to
up
to
par
in
terms
of
housing,
but
the
efforts
to
keep
people
in
their
homes
or
to
help
them
from
losing
their
homes
is
where
I'm
saying
this.
As
a
community
development
practitioner
is
probably
the
best
investment
that
new
grant
money
could
go
towards
right
now.
F
The
land
bank
is
the
end
of
the
line
for
properties
and
usually
by
the
time
they
come
to
us
all.
Other
options
hopefully
have
been
exhausted,
including
like
strategic
code
enforcement,
proactive
measures
because
by
the
time
they
come
to
us,
the
numbers
are
upside
down
and
without
grant
money
you
know
if
we
don't
have
to
demo
it,
it
costs
multiples
of
what
it's
worth
sometimes
to
save,
and
if
banks
aren't
lending
to
people
in
a
neighborhood
based
on
you
know,
demographics
or
or
choose
your
discriminatory
action
that
predates
redlining.
F
No
one's
gonna
have
the
capital
because
of
all
the
reasons
we
know
to
purchase
and
rehab
that
home,
even
with
the
subsidies,
and
so
the
land
bank
only
owns
about
eight
percent
of
all
the
vacant
buildings.
In
my
understanding
of
the
latest
number
in
the
city
of
albany,
it's
the
privately
held
zombie
properties
that
the
city
should
definitely
be
focusing
some
of
their
attention
on
the
properties
that
may
not
come
to
the
land
bank,
because
our
model
works-
and
you
know,
we've
proven
that
over
the
past
five
years,
but
we
can't
get
to
those
properties.
F
F
Banks
and
financial
institutions
have
a
huge
role
in
causing
the
challenge
that
we're
all
working
on
right.
Now
they
did
it
again
in
2008,
they
did
it
in
the
30s
and
they
need
to
be
at
the
table
to
put
money
back
into
these
neighborhoods
and
and
that
could
complement
the
grants.
But
I
just
think
that
that's
an
important
piece
that
that
you
know
is
missing
from
some
of
the
I've
been
in
a
lot
of
these
different
conversations
here
and
across
the
state
and
so
albany's
headed
in
the
right
direction.
F
But
you
know
upstream
interventions,
very
important
keeping
people
in
their
homes,
foreclosure
prevention,
workouts,
distress,
mortgages.
All
those
things
I
would
continue
pursuing
that
for
sure,
because
by
the
time
it
gets
to
us
you
know
it
could
be
a
90
000
demolition
and
turn
into
a
100
vacant
lot
sale,
that's
not
sustainable
for
any
unit
of
local
government,
no
matter
who
you
are.
A
F
Yes,
yes
and
there's
I
will,
I
do
want
to
spend
a
moment
highlighting
a
new
our
new
partnership,
because
all
we,
what
we
essentially
did,
was
partner
with
the
cdfi
community
development
finance
institution
that
gets
money
from
traditional
financial
intuitions
and
then
turns
around
and
lends
it
at
more
flexible,
underwriting
standards.
So
the
people
living
what
that
means
is
people
living
next
door
to
these
buildings
or
in
the
neighborhoods
that
you
know
have
people
that
can't
traditionally
access
the
capital
they'll
lend
money
under
more
flexible
underwriting,
so
they'll
count.
How
many
rent
payments
you've
made.
F
They'll
have
more
flexible
credit
standards
and
to
your
point,
council,
member
one
by
one
when
those
properties
start
to
get
fully
rehabbed
and
that
money
goes
back
into
the
building.
The
values
start
to
turn
around,
and
that
starts
to
turn
the
whole
formula
around
theoretically,
hopefully
over
time,
and
then
traditional
institutions
be
more
willing
to
take
the
risk
to
investing
into
the
residents
of
the
neighborhood
and
the
residents
and
the
buildings
in
the
neighborhood,
because
I
don't
know
jr.
If
I
want,
I
could
send
you
the
map
afterwards
for
the
record.
A
F
Yeah,
your
your
pie
in
the
city
of
albany
of
vacant
buildings
right
now,
the
largest
slices
are
not
tax
delinquent
that
will
get
tax
foreclosed.
It's
the
privately
held
zombie
and
the
bank
owned
zombie
mortgages,
the
ones
that
the
bank
just
won't,
sell
the
property
because
they
want
a
certain
amount
of
money,
but
they
won't
get
it
because
of
where
it's
located
and
what's
owed
on
it.
So
so
that's
where
I
would
focus
a
lot
of
the
resources
and
then
you
know,
I
know
you.
F
When
someone
decides
to
stop
investing
in
the
property,
that's
when
the
abandonment
starts
and
you
have
to
kind
of
sooner
upstream,
you
can
intervene
in
that
the
less
resources
it
costs
to
turn
that
property
or
keep
it
from
getting
declining
to
the
point
where
it's
going
to
eventually
end
up
our
way
or
or
worse,
at
an
auction
from
a
bank
or
something
so
so
yeah
I
mean
any
grant
money
or
american
rescue
money.
Anything
like
that.
F
The
earlier
upstream
and
that
lifespan
of
the
property's
downward
cycle
is,
is
always
better
money
to
spend.
It
seems
like
a
lot
up
front,
but
it
really,
if
you
do
the
cost
of
these
properties
at
the
end
of
the
line,
the
demos,
the
property,
calls
the
fires,
the
police
calls
out
coming
and
going
the
not
paying
taxes
the
time
it
takes
to
rehab
it's
way
more
expensive
to
let
them
get
to
the
point
where
they
get
to
the
land
bank,
so
I
would
support
anything.
F
A
With
regard
to
this
particular
resolution,
I
think
that
the
the
purpose
I
I
think
it's
great-
to
provide
affordable
rental
property
to
people
who
rent,
but
I
do
also
feel
as
though
the
core
of
most
neighborhoods
is
really
home
ownership
people
who
have
a
real
investment
owner
occupied
buildings.
So
I
appreciate
joyce
bringing
this
resolution
forward.
A
I
do
want
to
note
that
I
believe
it's
appropriate
to
not
refer
to
a
congress
as
republican
or
democratic.
It
is
our
congress
that
passed
this
legislation,
so
I
would
recommend
that
we
amend
it
to
simply
note
in
the
second,
whereas
that
the
congress,
as
opposed
to
the
republican
congress,
if
choice,
would
be
okay
with
that.
A
A
I
want
to
thank
sanders,
mr
sorenko
and
miss
ivonne
dimbro,
the
arvo
diarvo
piarvo.
I'm
going
to
get
that.
I
am
I
apologize
and
I
think
I
think
I
can
get
even
with
my
last
name
there
too.
So
I
want
to
thank
you
very
much
for
being
here
for
jr
all
your
work
on
this
particular
resolution,
and
with
that
I
entertain
a
motion
to
adjourn.
E
One
thing
again:
I
really
want
to
thank
everyone
who
came
spoke
tonight.
Useful
information,
I
think
sometimes
one
of
the
frustrations
is
there's
a
lot
of
information
out
there.
There's
a
lot
of
programs
out
there
and
I
think
one
of
the
frustrations
we
sometimes
have
is
just
being
able
to
access
those
programs
and
actually
pulling
them
together
in
one
source.
E
You
know
there
are
three
different
agencies
who
spoke
tonight
and
just
being
able
to
pull
that
together
in
a
way
to
get
that
out
to
constituents,
and
so
that
you
know
the
puzzle
of
which
one
works.
Where
do
you
fit
type
thing
is,
is
easier
to
put
together,
but
I
don't
know
if
that's
something
we
can
work
on,
but
I
do
want
to
thank
everyone,
and
I
everything
was
all.
The
information
was
very
helpful.