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A
Third
meeting
of
the
housing
commission's
homeownership
subcommittee,
my
name
is
Karen
surface
and
I'm.
The
chair
and
I'd
like
to
start
off
the
meeting
by
asking
folks
to
introduce
themselves
and
I'll
start
with
myself
again.
My
name
is
Karen
surface
I'm,
a
housing
counselor
with
the
Latino
Economic
Development,
Center
and
I
work
very
closely
with
Arlington
County
on
their
home
ownership
programs,
including
providing
homebuyer
education
and
housing,
counseling
and
so
moving
on
to
maybe,
if
Joe,
because
I
can
I
sort
of
maybe
buy
the
people
I
can
see
on
my
screen.
B
Oh
good
morning,
everybody,
my
name
is
Joe
Nelson
I'm
with
the
Chain
Bridge
bank
or
a
local
Community
Bank.
In
the
past
we
have
financed
the
fork,
some
of
the
affordable
dwelling
units
in
Arlington
County,
and
we
continue
to
try
to
finance
more.
A
Thanks
Joe
is
that
Miranda
you
want
to
go
ahead
and
introduce
yourself.
C
Yep
hi
good
morning,
everybody
I'm,
Miranda,
Carter,
Arlington,
resident
and
broker
owner
of
miracaza
Real
Estate,
Solutions,
Karen
and
I
go
way
way
way
way
way
back
with
a
home
days
when
I
was
on
the
board
there
trying
to
solve
this
exact
same
problem
of
more
affordable
home
ownership,.
A
Thanks
Miranda,
let's
see
in
my
top
right
right
screen:
I
guess
it's
one
of
our
fellow
Commissioners
Merlene.
A
Thank
you,
Richard.
E
A
Thanks
Richard,
let's
see
here,
patty
patty,
Klein.
A
Thanks
Patty,
let's
see
Joshua.
G
H
You
Paul
Johnson
is
the
other
Josh
I'm
Josh
Childs,
with
HC
I'm,
a
development
manager.
We
mostly
do
multi-family,
affordable,
light
tech
development
now,
but
we've
had
some
good
success,
partnering
with
home
ownership
in
Arlington
County,
obviously
well
before
my
time,
but.
A
Thanks
to
Josh's
Mike.
I
J
Spots,
director
of
real
estate,
development
for
Habitat
for
Humanity
of
DC
in
Northern,
Virginia,
okay,.
K
Sure
I'm
Elise
cleva
I'm,
a
Communications
specialist
for
Arlington's
Department
of
Community
planning,
Housing
and
Development
and
I
am
part
of
the
homeownership
study.
K
So
I
will
just
go
alphabetically
down
the
list
of
meeting
attendees
here,
Alice
Hogan.
Would
you
like
to
introduce
yourself.
K
Okay,
next
fresni
Bonilla.
K
K
Great,
oh
sorry,
Jacqueline
Snelling.
O
Sorry
about
that,
my
mute
didn't
come
off.
My
name
is
I
am
also
with
Centro
de
pollo,
familiar
here
in
Arlington,
Virginia,
Maryland,
DC
and
also
Massachusetts
housing,
counselor
and
I.
Also,
I
am
the
project
manager
here
in
Maryland,
Pete.
K
Nice
to
meet
you
Kellen
Macbeth,.
Q
Good
morning
it's
Kitty
Clark
Stevenson
board
member
AHS.
K
Great,
thank
you,
someone
I
think
I'm,
not
sure
if
this
is
a
first
name
or
a
last
name,
but
Lazaro.
K
Okay,
great
thanks
see
Michael
De
Palma.
M
S
K
Great
okay,
Karen
I'm
I'm,
not
seeing
anyone
anyone
else
listed
among
meeting
attendees
who
has
not
introduced
themselves,
I
think
I.
K
A
Pack,
so
great
now
that
we're
all
here
again
welcome
to
the
third
meeting
of
the
housing
commission's
homeownership
subcommittee,
so
I
think
we
can
go
to
the
next
slide.
So
this
morning
we're
gonna.
This
is
our
agenda.
A
Also,
this
presentation
will
describe
how
the
County's
existing
programs
are
performing
and
help
from
help
inform
future
program
recommendations
and
then,
lastly,
Elise
we'll
go
through
our
the
overview
of
how
we're
going
to
do
the
communication
and
engagement
for
this
study,
so
without
any
further
Ado
akiria
I'll
turn
it
over
to
you.
Thanks.
T
Thank
you,
Karen
and
I
did
not
introduce
myself.
My
name
is
akiria
brown
and
I
work
here
in
the
department
of
in
the
housing
division
in
the
Department
of
Community
planning
and
Housing
Development
and
I
work
primarily
in
the
homeownership
programs.
T
So
thanks
so
much
Karen
for
kicking
us
off
I
want
to
mention
initially
that
I
will
be
providing
some
updates
on
where
we
are
in
terms
of
the
home
ownership
study.
But
my
colleague
Elise
cleva,
as
Karen
stated,
we'll
be
providing
a
more
in-depth
synopsis
of
updates
and
next
steps
in
later
on.
In
today's
meeting,
so
two
quick
updates,
we
recently
released
interactive
maps
and
tables
to
our
web
page,
so
those
items
are
now
live,
feel
free
to
take
some
time
to
explore
those.
T
Let
us
know
if
you
have
any
questions
when
you
have
the
opportunity.
Secondly,
we've
scheduled
roundtables
and
again
Elise
we'll
go
a
little
further
into
this,
but
we've
scheduled
round
tables
to
obtain
feedback
from
lenders
and
Realtors
on
topics
related
to
barriers,
opportunities
and
strategies
to
help
support.
Moderate
income
purchasers
and
those
roundtables
are
expected
to
take
place
this
month
and
we'll
also
be
moving
into
next
month
on
the
round
tables.
T
So,
on
to
today's
main
item
this
week
we
published
the
analysis
of
existing
home
buyer
programs.
These
are
programs
that
are
operated
directly
by
the
county,
as
well
as
those
that
are
provided
by
Third
parties
through
county
Support,
the
County's,
affordable
housing,
master
plan
and
implementation
framework,
along
with
the
decline
in
home
ownership
prospects
for
moderate
income,
households
made
it
clear
that
there
is
a
need
for
coordinated
program,
development
and
resource
allocation.
T
T
So
for
a
household
of
four,
we
would
be
looking
at
a
maximum
income
of
about
113
840,
and
these
are
annual
income
limits
that
are
published
by
Hud,
typically
published
in
April
or
around
April.
This
year
there
actually
be
a
little
bit
later,
but
most
of
the
programs
that
are
cited
in
our
analysis
and
in
today's
presentation:
Target,
moderate
income,
households
at
that
80
percent
level.
T
So
one
of
the
first
steps
along
the
road
to
sustainable
homeownership
is
a
well-rounded
understanding
of
the
fundamental
concepts
of
the
home
buying
process
right.
So
homebuyer
education
really
helps
prospective
buyers
to
assess
their
overall
Readiness
to
purchase,
and
it
does
so
by
offering
instruction
on
the
process
of
obtaining
a
mortgage.
T
What
a
what
the
costs
are
associated
the
costs
associated
are
the
responsibilities
associated
with
obtaining
a
mortgage
or
purchasing
a
home
and
then
basic
personal
finance
Arlington
provides
financial
support
to
the
Latino
Economic
Development,
Center
or
ledc
the
organization
that
Karen
surfaces
with
for
their
in-person
homebuyer
education
program.
T
So
a
total
of
199
Arlington
residents
completed
ledc's,
in-person,
homebuyer
education
course
between
FY
19
and
FY
22.
course.
Participation
was
fairly
consistent
in
FY,
19
and
FY
20.
However,
the
fy21
course
participation
deeply
declined
in
large
part
due
to
the
impact
of
covid
in
FY
22.
However,
participation
grew
slightly
but
had
not
increased
to
levels
seen
prior
to
covet,
and
the
primary
reason
for
this
is
that
during
covid,
a
lot
of
would-be
attendees
identified
that
there
are
virtual
homebuyer
education
offerings
available.
T
One
mainly
is
a
Virginia
Housing,
primarily
that
offers
the
course
virtually
and
although
the
course
virtually
is
substantially
longer
than
the
course
and
that's
in
person,
we
definitely
have
seen
where
households
prefer
to
be
able
to
take
that
course
on
their
own
time
in
their
home.
So
that's
the
reason
for
the
lower
in-person
rates,
although
I
know
that
there
are
some
changes
that
have
occurred
and
I
think
Karen
can
speak
to
that
shortly.
T
So
among
the
199
Arlington
residents
who
attended
the
county
sponsored
home
ownership,
education
from
2019
to
2022
33
of
those
Arlington
County
residents
purchased
homes
in
locations
various
locations
throughout
that
time
period,
so
33
purchased
homes
in
various
locations,
18
of
that
199
purchased
in
Arlington
County.
T
T
26
or
49
households
purchased
in
Arlington
Karen
surface
is
the
primary
leadc
staffer
that
manages
the
homeowner
education
program
and,
as
you
can
see
about,
39
of
those
households
purchased
in
the
city
of
Alexandria
and
29
purchased
in
Fairfax
or
Falls
Church
Karen
was
there
anything
else
that
you
wanted
to
add.
With
regard
to
homeownership
education.
A
A
couple
of
things
I
just
want
to
say
and
I
think
this
was
on
another
slide-
that
there
really
is
no
correlation
between
the
time
that
a
person
takes
homebuyer
education
and
they
actually
purchase
because
sometimes
folks
show
up
for
homebuyer
education
classes
with
the
intent
to
purchase
right
away,
and
then
they
figure
out
that
they
really
have
some
homework
to
do.
Then
you
maybe
need
to
improve
their
credit
or
have
some
more
savings.
So
it's
sometimes
really
hard
to
track
the
home
buyer
education,
beginning
to
the
actual
homebuyer
education
purchase.
A
The
other
thing
is:
is
a
lot
of
people
have
taken
the
class
online,
which
I
think
is
wonderful
and
then,
but
there's
always
people
that
struggle
with
online
education
and
so
I
think
Richard,
who
was
at
my
last
class
last
Saturday
can
attest
to
some
people
just
prefer
to
come
in
person
and
also
to
be
able
to
ask
questions
of
the
presenters
who
are
volunteers
and
they
it's
fun
because
they
really
do
get
into
they're
able
to
ask
questions
of
the
of
the
of
the
professionals
that
are
there.
A
T
No
thank
you.
Karen
I
do
think
there
is
certainly
a
lot
of
value,
and
we
see
that
where
folks
just
want
to
be
able
to
ask
questions
in
real
time
about
their
own
personal
situation,
and
so
it's
really
really
helpful
to
have
someone
that
they
can
interface
with.
E
Curia
on
on
that
on
the
the
online
class,
you
have
to
take
a
quiz
read
a
chapter.
So
it's
it's
more
of
a
question
answer.
Even
though
it's
open
book
than.
T
E
C
E
T
It
makes
sense,
thank
you
both
so
on
to
the
County's
first
time
home
buyer,
down
payment
assistance,
program,
mypap
is
or
moderate
income
purchase
assistance
program.
It
is
a
first
time
home
buyer
program
that
began
in
1981,
and
this
Prime
has
primarily
relied
on
Community
Development
block
grant
funds
which
are
HUD
funds.
T
It's
important
to
note
that
until
2017,
the
county
contracted
with
ahc
to
actually
manage
several
of
the
home
ownership
programs
that
are
referenced
in
this
analysis,
including
the
mypap
and
our
affordable
dwelling
units
programs,
ahc
Pro
provided
program
management
that
included
purchaser
eligibility,
facilitating
sales
and
resales
managing
property
Renovations
for
resale
and
overall
program
management
in
2017.
The
county
assumed
control
of
the
program
portfolio,
which
included
the
down
payment
assistance
program
and
our
affordable
dwelling
unit
program.
T
Loans
are
primarily
used
to
purchase
market
rate,
unrestricted
ownership
units
mypap
is
a
30-year
loan
and
it
is
a
silent
second
trust,
which
means
that
there
are
no
monthly
payments
and
there
is
no
interest
associated
with
these
loans,
so
combined
with
the
30-year
conventional
First
Trust,
which
is
required.
So
if
someone
is
going
to
purchase
a
unit,
they
can
get
a
conventional
First,
Trust
From
A
lender,
and
then
my
Pap
will
come
alongside
that,
as
a
second
trust
being
that
our
loan
is
interest
free
and
it
is
deferred.
T
There
are
no
monthly
payments
associated
with
it.
It
really
does
help
those
households
to
be
able
to
afford
in
the
county,
between
annually
the
county
allocates
of
550
to
about
650
to
this
program
and
again
those
resources
are
from
the
cdbg
or
HUD
funds.
T
So
there
are
currently
about
127
active
loans
in
the
County's
mypat
portfolio.
There
were
loans
again
that
dated
back
to
81,
but
current
or
1981,
but
they're
currently
127
active
loans.
The
average
loan
amount
is
about
31
000,
but
that
is
primarily
due
to
the
loan
amount
that
were
in
place
well
before
the
2000s.
T
42
percent
of
the
loans
in
the
mypat
portfolio
are
deferred
or
have
no
monthly
payments.
58
of
the
loans
within
the
portfolio
do
have
monthly
payments
and
the
average
monthly
payment
is
about
56
dollars
per
month,
so
the
amortizing
loans
or
the
loans
that
have
monthly
payments
were
loans
that
were
part
of
Prior
iterations
of
the
mypat
program
in
2009.
The
county
shifted
from
amortizing
loans
to
deferred
loans.
T
T
T
and
in
FY
20
the
average
loan
amount
was
about
97
000.,
so
post
covid
in
the
spring
of
2021,
we
observed
many
mypap
applicants
that
began
to
gain
a
little
bit
more
confidence
in
the
economic
recovery
and
were
able
to
take
advantage
of
relatively
low
interest
rates,
and
this
was
as
an
extension
of
the
FED
cutting
those
rates.
The
Virginia
Housing
low
interest
rate
program-
that's
also
discussed
a
bit
later,
also
helped
my
Pat
bars
to
be
able
to
take
advantage
of
lower
interest
rates
and
to
be
able
to
purchase
homes.
T
The
average
interest
rate
for
primary
mortgage
for
my
pet
borrowers
in
FY
between
FY
20
and
FY
22
was
3.2
percent
and
that
reflects
a
reduction
of
more
than
a
full
more
than
a
full
percentage
point
from
a
previous
fiscal
years.
So
it's
it's
definitely
a
been
a
journey
for
a
lot
of
households
to
get
there,
but
but
many
households
were
able
to
move
forward
after
the
economic
recovery,
especially
being
that
there
was
some
reprieve
with
regard
to
student
loans.
T
So
in
addition
to
an
increase
in
the
average
loan
amount
and
a
decrease
in
interest
rates,
the
average
purchase
price
for
my
Pat
borrowers
has
steadily
increased
in
FY
18,
the
average
purchase
price
was
around
230
000
and
by
FY
22.
The
average
purchase
price
was
over
330.
T
of
note,
though,
in
FY
22,
the
average
purchase
price
includes
the
purchase
of
five
affordable
dwelling
units
which
are
price
restricted
to
remain
affordable
into
perpetuity
and
therefore
lower
in
average
purchase
price.
The
affordable
dwelling
unit
program
will
be
discussed
later,
but
also
of
note
is
that
in
fy21
there
was
only
one
mypat
purchase,
and
that
was
for
a
household
of
one.
So
by
all
accounts,
the
trajectory
of
my
Pap
sales
prices
is
on
the
rise.
T
T
We
do,
and
there
are
a
lot
of
charts
that
are
available
in
the
analysis,
but
if
that's
not
there,
I
would
be
happy
to
provide
that
in
subsequent
meetings
or
we
could
just
get
that
out
to
you
guys
in
the
meantime.
Thank.
T
T
Foreign
program
primarily
well,
we
do
we
serve
households
with
income
up
to
80
percent
of
Ami
and
that's
adjusted
for
household
size.
The
average
income
for
all
my
Pat
borrowers
for
FY
18
to
22
was
62
844.
T
accounting
for
AMI
limits
for
each
respective
year.
So
I
think
it's
important
to
note
that
we
can't
just
say
that
this
household
earned.
You
know
40
of
the
Ami
at
any
given
time
it's
40
percent
of
Ami
for
that
respective
year,
because
the
Ami
limits
change
from
year
to
year,
so
accounting
for
the
Ami
limits
for
each
respective
Year,
my
pet
borrowers
earn
on
average
65
of
the
Ami,
so
for
four
person
households
earn
on
average
about
89,
000.
or
77
percent
of
Ami
for
the
respective
year
of
their
application.
T
T
I
I
want
to
point
out
that
transactions
for
their
sales
involved
seller
concessions,
such
as
seller,
paying
for
Home
Inspections
seller,
paying
for
recordation
fees,
Etc
or
a
seller
who
had
agreed
to
hold
the
property
until
a
buyer
was
mortgage
qualified
so,
for
example,
a
landlord
that
was
willing
to
hold
on
to
the
unit
until
a
tenant
was
able
to
qualify
for
a
mortgage.
So
those
opportunities
have
been
few
and
far
between,
but
they
are
certainly
eye-catching
because
it's
it's
very
unusual.
H
Could
I,
oh,
this,
might
be
backtracking
a
little
bit.
This
is
Josh
with
ahc
I
saw
in
the
I
realized
that
maybe
we
shifted
away
from
the
types
of
homes
that
were
being
purchased
and
I
saw
in
the
report
that
we
were
given
before
this
meeting
info
of
like
condo
versus
single
family
versus
duplex
homes.
H
Finance
with
my
Pap
and
I
wondered
if
you
all
had
any
information
about
Beyond
building
type
like
sort
of
age
of
the
housing
like
Has,
anyone
used
my
Pap
to
purchase
a
new
build,
or
are
these
all
older,
existing
properties.
T
Yeah
so
so
my
pad
can
be
used
to
purchase
a
new
build.
It's
important
to
note,
though,
that
that
my
pack
borrowers
have
an
income
limit,
so
the
income
limit
is
80
of
the
area.
Median
income,
oftentimes
households
at
80
percent
of
the
area.
Median
income
cannot
afford
a
brand
new
market
rate
unit.
T
However,
when
the
county
does
receive
affordable
dwelling
units
or
adus
through
the
development
process,
households
that
are
at
80
percent
of
the
area,
median
income
can
afford
one
of
those
adus
and
they
can
use
mypap
to
purchase
an
Adu.
So,
to
answer
your
question,
yes,
it's
it's
possible,
but
it's
highly
unlikely
that
anyone
can
use
my
path
to
afford
a
market
rate
brand
new
unit,
with
the
exception
of
folks
that
are
purchasing,
affordable
dwelling
units.
H
U
Condo
style
townhouses,
so
the
home
ownership
Association
might
be
a
condo
ownership,
but
a
lot
of
the
my
Pap
recipients,
I've
gotten
to
work
with,
do
purchase
a
condo-style,
townhouse
and
a
lot
of
those
are
concentrated
along
the
Columbia
Pike
Corridor
fairlington
as
a
little
bit
of
22206.
But
you
know
Arlington
Village,
some
of
those
condo
townhouse
style
homes
along
the
Columbia
by
Corridor,
have
been
very
popular
and
well
received
for
these
my
path
recipients
and
have
worked
out
well,
a
lot
of
them
I
believe
still
even
own
those
residents.
U
T
Thank
you
so
much
Michelle.
Yes,
that's
that's
absolutely
the
case
and
we
actually
currently
have
two
affordable
dwelling
units
for
sale
at
axemite
Village,
which
is
right
off
of
Highland,
and
those
are
townhouse
style
condominiums
that
are
currently
for
sale
so
and
that
information
is
on
our
website.
I
can
also
answer
any
questions
with
regard
to
those
units,
in
particular.
T
But
yes
to
your
point,
there's
there's
certainly
some
variety.
There.
T
So
in
terms
of
mypap,
race
and
ethnicity,
about
40
of
my
Pat
borrowers
from
FY
18
to
22
were
white
non-hispanic
bars,
while
Black
and
Hispanic
households
collectively
make
up
about
a
little
more
than
half
of
the
purchasers
in
the
county.
So
we
have.
We
have
a
total
of
20
households
over
the
past
few
fiscal
years
and
it
looks
like
about
25
of
them
have
been
black
and
30
percent
have
been
Hispanic.
T
And
that's
here
at
the
seventy
thousand
nine
fifty
six
while
White
non-hispanic
households
earn
about
10
percent
less
than
those
black
households,
but
they
purchased
homes
that
are
about
10
percent,
more
expensive
than
the
black
households.
T
And
so
one
of
the
primary
reasons
for
that
is,
is
really
the
time
period
of
purchase.
T
So
88
of
the
purchases
by
white
non-hispanic
borrowers
occurred
in
or
after
FY
22.,
while
the
black
household
purchases
have
occurred
in
every
fiscal
year,
they've
been
kind
of
sprinkled
throughout,
with
the
exception
of
FY
21,
where
there
was
only
one
sale
and
that
was
of
a
white
purchaser,
so
the
concentration
of
purchases
among
white
non-hispanic
borrowers
aligned
with
the
covid-19
economic
recovery.
Where
again,
we
saw
relatively
lower
interest
rates,
smaller
sized
households
with
younger
buyers
that
account
for
a
larger
share
of
applicants
over
the
past
two
fiscal
years-
and
this
is
substantial.
A
A
Curie
I
just
might
want
to
add
that
a
lot
of
those
people
moved
in
with
family
members
and
now
they've
decided
to
purchase
and
so
they've
been
saving
up
during
the
pandemic,
and
that's
how
they'd
be
able
to
make
this
work.
T
You're
right
and
that's
actually
one
of
my
talking
points-
Karen
you're,
oh
no!
No!
It's
thank
you
for
bringing
that
up.
It's
it's
absolutely
the
case.
So
what
we're
seeing
are
younger
bars
that
are
literally
coming
from
Mom
and
Dad's
into
a
purchase
scenario.
Many
are
coming
straight
out
of
college.
T
This
is
their
first
entree
into
the
workforce,
so
they
are
a
bit
more
financially
Nimble,
especially
where
the,
where
there's
some
reprieve
in
in
student
loan
repayments
and
just
having
the
the
capacity
to
be
able
to
move
into
a
one-bedroom,
a
small
condo
or
a
small
two-bedroom
unit
in
the
county.
Is
there
another
question.
T
So
this
is
just
a
another
set
of
borrower.
Demographics
that
I
I,
think
are
some
interesting
points
here.
So
about
65
of
our
households
are
female
heads
of
household
50
are
one
person
household
and
again.
I
can
absolutely
say
that
going
into
FY
23,
we
it's
more
than
50
at
this
point,
because
primarily
we
have
served
one
person,
households
this
fiscal
year,
with
the
exception
of
maybe
two
85
percent-
are
existing
Arlington
County
residents.
T
90
are
unmarried
and
again
that
speaks
a
lot
to
the
age.
In
this
particular
scenario,
60
of
the
my
Pap
borrowers
had
second
jobs,
so
that
also
just
kind
of
indicates
the
the
the
need
to
have
additional
income
in
order
to
support
the
goals
of
home
ownership.
There's
always
the
need
for
the
additional
monies
for
repairs
and
especially
condo
fees.
What
we
see
typically
be
in
the
case
35
of
the
mypap
borrowers
have
households
that
include
children.
T
The
last
10
loans
were
70
of
the
households
are
well
of
the
last
10
loans.
70
of
those
are
households
of
one.
So
just
the
last
10.
T
T
And
I
also
wanted
to
mention
that,
in
terms
of
this
last
10
loans,
70
of
them
being
households
of
one
of
that
71
are
30
years
or
younger.
T
So
the
housing
division
conducts
follow-up
inquiries
with
households
who
withdraw
a
complete
or
partial
mypap
application,
because
we
want
a
really
glean
what
we
can
do
better,
how
we
can
help
to
support
them
and
what
what
gaps
and
needs
are
there
that
exist
so
from
FY
18
through
22
about
80
applicants,
applications
were
submitted,
80
applications
in
total
20
of
those
households
actually
purchased,
which
is
what
the
basis
of
of
this
analysis
is,
but
43
applicants
or
67
percent
of
those
non-purchasers
participated
in
our
telephone
inquiries
about
their
decision
to
withdraw
an
application.
T
We
asked
questions
about
current
housing
and
the
status
of
their
home
ownership
goals.
Whenever
applicable,
we
refer
prior
applicants
to
ladc
for
financial
counseling
and
to
help
support
their
plans
to
purchase
a
23
percent
hoped
had
hoped
to
afford
a
larger
sized
unit
to
include
more
or
larger
bedrooms
and
or
additional
square
footage.
So
these
were
the
reasons
why
folks
had
decided
not
to
purchase
the
primary
reason,
and
so
just
looking
at
the
monthly
costs
associated
with
the
desired
unit
type-
and
this
is
primarily
what
we've
seen
are.
T
A
21
of
those
households
had
debt
and
their
debt
to
income
ratios
made
home
ownership
unaffordable.
Even
with
my
Papillon
of
those
responders,
the
average
household
size
is
three
persons,
so
just
kind
of
going
back
to
households
with
children,
more
adults,
perhaps
you're
looking
at
more
debt,
as
opposed
to
a
household
of
one
that
again
has
a
little
bit
more
financial
flexibility,
and
so
we,
what
we've
seen
is
that
the
primary
goal
is
single
individuals
want
space
to
accommodate
a
roommate.
T
They
want
to
have
a
den
or
larger
living
areas,
but
many
want
to
also
be
able
to
eventually
rent
out
their
home
to
help
pay
their
mortgage
and
then
the
larger
families
want
the
ability
to
grow
in
their
unit
and
they
are
reluctant
to
purchase
a
condo.
Looking
at
the
growing
condo
fees,
the
condo
fees
that
we
typically
see
for
my
Pap
loans
are
about
four
to
five
hundred
dollars
a
month,
and
that
can
be
on
a
new
unit
that
can
be
on
an
existing
unit.
T
So
now
I
will
move
to
the
County's,
affordable
dwelling
unit
program
or
adus,
so
the
County's
Adu
program
provides
affordable,
newly
constructed
and
resale
properties
for
income
eligible
home
buyers.
Adus
are
created
through
developer
contributions
in
exchange
for
additional
density
in
projects
and
they
are
approved
via
special
Exception
by
the
county
or
through
the
provisions
of
the
Columbia
Pike
Neighborhood
form-based
code.
Adus
are
home
ownership
units
that
carry
restrictive
covenants
to
ensure
long-term
affordability.
T
So
if
the
covenants
are
actually
recorded
in
the
deed
of
trust
and
they
require
that
the
initial
owner
and
all
subsequent
parties
that
receive
the
title
to
the
property
or
purchase
the
property
adhere
to
the
resale
guidelines.
So
those
units
have
to
be
sold
and
resold
to
households
that
meet
income
criteria,
and
I
mentioned
this
previously,
but
until
2017,
the
county
contracted
with
ahc
to
manage
of
the
affordable
dwelling
unit
program
operations,
this
included,
but
was
not
limited
to
determining
the
pro
the
purchaser
eligibility
and
managing
the
overall
portfolio
viability.
T
Currently,
there
are
59
homes
in
the
affordable
dwelling
unit,
portfolio,
75
or
42
units
were
added
to
the
portfolio
from
2005
to
2017.,
so
75
of
the
units
were
added
to
the
portfolio
between
2005
and
2017..
The
remaining
17
units
were
added
after
2017..
All
of
the
units
added
to
the
portfolio
after
2017
were
condos,
12
or
20
percent
are
affordable
up
to
60
percent
of
Ami
and
47
or
80
of
the
units
are
affordable.
T
T
Mypat
borrowers
are
rarely
able
to
compete
with
buyers
of
larger
market
rate
units,
and
this
is
often
due
to
the
debt
to
income
ratio
of
a
household
that
has
to
earn
80
percent
of
Ami.
I
cannot
stress
enough,
the
correlation
between
what
can
be
afforded
and
what
the
income
limits
have
to
be.
So
the
income
limits
have
to
be
80
percent
of
the
area
median
income.
We
cannot
go
above
that
because
of
the
funding
source,
so
the
households
at
80
percent
of
Ami
can
only
afford,
but
so
much
Adu
resales
are
infrequent.
T
Black
households
account
for
48
of
all
affordable
dwelling
unit
owners,
black
households
also
own
both
single
family
and
condos.
Within
the
portfolio
agent
and
Hispanic
households
make
up
about
37
percent
of
the
portfolio
while
not
while
white
non-hispanic
households
account
for
about
15
percent.
T
So
other
programs
that
are
critical
to
our
moderate
income,
buyers
and
owners
are
consists
of
the
spark
program
through
the
through
Virginia
Housing,
and
the
spark
Pro
program
is
used
to
support
our
efforts
to
increase,
first-time
homebuyer
opportunities.
Spark
was
sponsoring
Partnerships
and
revitalizing
communities.
Program
offers
a
one
percent
interest
rate
reduction
for
units
that
are
used
or
purchased
through
the
Virginia
housings
loan
products,
and
that
program
has
to
substantially
helped
a
lot
of
our
first
time
home
buyers.
The
details
of
how
these
programs
operate
are
are
located
within
the
analysis
as
well.
T
Our
live
where
you
work
program
is
for
Arlington
County
government
employees
who
purchase
a
home
in
the
county
and
they
may
be
eligible
for
a
grant
up
to
25
000.
It's
a
forgivable
grant
and
the
grant
does
not
require
repayment.
If
residency
and
employment
tenure
requirements
are
met,
then
the
Rebuilding
Together
program
or
organization.
The
non-profit
really
makes
critical
repairs
at
no
charge
for
low-income
homeowners
and
the
majority
of
repairs
are
related
to
health
and
safety
and
accessibility
related
repairs.
T
Over
the
past
years,
the
county
has
partnered
with
the
city
of
Alexandria
and
I.
Don't
think
that's
listed
here,
but
we've
partnered
with
the
city
of
Alexandria
to
offer
condominium
education
series
for
existing
condominium
owners.
The
series
features
courses
that
educate
home
owners
or
condo
owners
and
potential
condo
owners
about
the
structure
and
governance
of
Condominiums,
as
well
as
the
responsibilities
of
condo
owners
and
Association
members.
T
So,
in
terms
of
program,
observations
I'm
just
going
to
move
a
little
swiftly
through
these
we've
seen
that
housing
prices
have
increased
over
time,
increasing
the
size
of
my
peplum
increasing
the
need,
my
pet
borrowers
tend
to
buy
smaller
one
and
two
bedroom
condos.
The
supply
of
desirable
and
affordable
units
for
my
Pat
Borrowers
is
absolutely
diminishing.
T
Although
we
have
a
renewed
interest
in
in
the
program,
single
purchasers
are
willing
to
purchase
smaller
units,
but
we
are
seeing
an
increase
in
single
white
non-hispanic
mypap
purchasers.
Additionally.
The
age
range
of
single
white
purchasers
is
late,
20s
to
mid
30s,
many
of
which
are
living
with
parents
until
purchased
or
just
starting
in
careers,
and
able
to
meet
income
and
debt
criteria
for
their
first
trust
mortgage
and
then.
Lastly,
I
did
want
to
mention
that
there
are
ways
in
which
we
are
working
to
develop
our
Outreach
strategies.
T
Right
now,
we
are
looking
at
getting
information
out
to
existing
calf
residents
that
we
hope
will
help
to
bridge
the
gap
between
affordable
rental
and
affordable
home
ownership.
But
these
are
some
of
the
other
marketing
opportunities
that
the
county
has
embarked
on
over
the
past
number
of
years
since
we've
taken
on
the
portfolio-
and
we
continue
to
do
that
and
we
wanted
to
just
kind
of
hear
your
thoughts
on
other
means.
Effective
means
of
Outreach
and
I.
T
A
A
K
A
Anyways
I
see
that
there's
a
couple
questions
as
we
go
on
so,
let's
see
here,
I
think
I
saw
first
I
think
I
saw
Kellen
and
then
I
saw
Merlene
so
I
Kellen.
Do
you
want
to
ask
your
question
yeah.
P
Thank
you.
Thank
you
for
the
presentation.
My
question
is:
has
staff
looked
at
the
different
options
available
under
missing
middle
or
perhaps
the
most
expansive,
and
how
that
would
impact
mypap
in
terms
of
Eligibility
and
just
you
know,
would
we
potentially
be
looking
at
a
more
expansive
ability
of
the
the
program
to
help
more
residents,
assuming
that
it
received
more
funding
under
some
of
the
options
in
Missy
middle.
T
V
Hi
good
morning,
I'm
Richard
Tucker
I'm,
the
housing
Arlington
coordinator
in
the
housing
division
so
Kellen.
Your
question
was,
you
know,
connections
between
our
existing
programs
and
and
perhaps
missing
middle
I
think
there's
an
excellent
opportunity
as
part
of
this
discussion
in
the
homeownership
study
about
matching.
V
You
know
our
existing
programs
or
programs
that
may
need
to
exist
in
the
future
and
you
know
what's
available
in
the
marketplace
and
if
there
are
existing
gaps,
if
we
see
that
there
are,
you
know,
there's
a
need
to
fill
a
gap
in
terms
of
different
types
of
funding
additional
funding
program
changes.
This
is
an
excellent
time
to
talk
about
that.
So
I
think
I
want
to
invite
everyone
to
stay
tuned
on
that
and-
and
you
know,
as
we
get
further
into
the
process,
we
can
start
to.
You
know
figure
out.
D
T
Yeah
absolutely
and
my
colleague,
Elise
clifa,
will
go
a
little
bit
further
into
that
when
she
discusses
the
comms
and
engagement
plan.
But
absolutely
that's
really
what
we
we
want
to
be
able
to
hear
from
potential
buyers,
folks
that
just
recently
purchased.
We
have
a
a
list
of
categories
of
demographics
that
we
really
do
want
to
reach
out
to.
D
Think,
like
Helen
pointed
out,
we
have
a
really
big
opportunity
with
missing
middle,
to
achieve
some
of
those
goals
of
housing
supply
for
home
ownership,
and
so
it
would
be
really
interesting
to
look
at
programs
that
maybe
other
jurisdictions
have
looked
at
or
encouraging
or
incent
like
if
we're
going
to
have.
For
honestly,
my
path
was
created
in
the
1980s
for
a
housing
market
that
does
not
look
like
the
2023
housing
market
and
that's
not
because
we
haven't
done
enough
Outreach
or
that
the
program
management
is
poor,
like
you
guys
have
done
a
wonderful
job.
D
It
just
was
created
for
a
market
that
was
40
years
ago,
and
our
Market
does
not
look
like
that
anymore
and
so
like.
Could
we
better
use
those
funds
instead
of
or
like
a
Band-Aid
for
four
people
a
year?
Maybe
actually
encouraging
developers
to
create
a
homeownership
supply
within
the
missing
middle
Paradigm.
U
That
was
awesome,
I
love
that
thought
process
of
making
that,
like
a
paradigm
with
messing
metal
because
I
feel
like
that,
could
solve
a
good
amount
of
issues
with
the
supply.
Literally
looking
at
the
MLS
right
now
we
only
have
29
Town
Homes
listed
or
coming
soon
in
the
entire
County.
That
is
not
enough.
So
inventory
is
definitely
the
issue
here.
Besides
that
my
I'm
all
for
making
this
a
robust
program
in
the
county
I
just
get
concerned
with
overloading
our
amazing
staff
here.
U
I
know
this
program
intimately
so
I
I
get
to
work
with
this
brown
hair.
A
lot
and
I
love
working
with
her,
but
I
do
fear.
Making
this
a
more
robust
program.
U
We
will
work
for
Minnesota
Dallas
to
the
Bone,
and
so
I
want
to
be
cautious
of
that
going
forward,
because
I'm
all
for
really
making
this
a
robust
system,
but
I
want
to
make
sure
that
there's
the
proper
support
on
the
back
end
for
Miss,
Brown
and
Mr
Dallas
to
make
sure
any
of
our
Arlington
community
members
are
able
to
go
through
this
mypap
program
if
possible.
U
The
other
side
of
it
is
I
can
take.
You
know
partial
blame
our
Realtors.
It's
sad
to
me.
We
don't
have
enough
of
them,
have
knowledge
of
the
mypat
program
and
maybe
that's
something
that,
as
an
association,
we
can
work
with
Arlington
County
on,
because
I
felt
I
feel
like
if
more
Realtors
did
know
this
program
and
the
possibilities
for
it.
I
feel
like
the
Outreach
and
communication.
Just
in
day-to-day
buyer
consultations
could
Bridge
help
bridge
that
Gap,
it's
not
the
full
Gap.
It's
not.
U
The
bridge
to
you
know,
fill
that
Gap
completely,
but
I
feel
like
that
could
be
a
component
and
just
know
that
the
Realtors
are
always
going
to
be
here
for
helping
make
home
ownership
a
dream
for
anybody
to
come.
True
I
will
say:
I've
been
personally
using
the
mypac
program
and
the
Virginia
housing
program
to
teach
homebuyers
specifically
to
meet
this
criteria,
and
we've
been
having
home
buying
seminars.
We
call
it.
U
The
buyer
Novus
club-
and
you
know
these
buyers
are-
are
living
at
home
with
their
parents
and
saving
up
money
and
getting
themselves
in
the
right
position.
So
it's
a
long
or
haul
they're
not
buying
the
next
three
to
six
months.
But
to
me
that's
part
of
this
solution
is
doing
consistent.
Outreach
like
that
back
in
2011
and
12,
we
did
do
a
lot
of
community
outreach
as
Realtors
and
associations
at
like
the
noxit
association
day,
all
the
civic
association
days
that
were
out
there.
U
T
A
J
Yeah,
so
you
know,
if
we
look,
you
know
I'm
in
my
role
with
habitat
now,
but
up
until
up
until
November,
my
past
job
was
studying
state
and
local
policies
for
affordable
housing,
more
generally
and
housing
affordability
more
broadly,
so
one
of
the
things
that
other
jurisdictions
have
done
is
invest
in
affordable
house
home
ownership
development.
There
are
a
number
of
a
number
of
communities
that
do
have
similar
to
ahif
on
the
rental
side,
production
funding
for
production,
funding
for
affordable
home
ownership
opportunities.
J
Now
coming
now
sitting
my
habitat
role
that
might
advocating,
for
that
is
probably
you
know,
we
obviously
would
support
support
for
development
of
affordable
housing
so
that
that's
kind
of
obvious
that
from
where
I
sit
now,
but
I
will
say
that
I
want
to
make
two
points,
one
regarding
missing
middle,
his
you
know
when
we're
talking
about
affordable
home
ownership.
J
J
There
is
a
Formula
that
is
hard
to
put
together,
but
there
is
a
replicable
Formula
that
enables
for
the
development
of
affordable
rental
housing
at
scale
that
is
often
lacking
for
the
development
of
affordable
home
ownership
and
that
makes
sort
of
every
affordable
home
ownership
development
sort
of
this
bespoke
effort,
where
you're
cobbling
together
different
funding
sources,
with
the
exception
of
those
communities
that
do
have
local
revenues
for
affordable
home
ownership
development,
which
so,
if
you
look
at
the
development
Dynamics
in
Arlington,
it
gets
back
to
that
Supply
issue.
J
Where
could
a
you
know?
Our
subsidy
dollars
aren't
going
to
be
as
large
for
affordable
home
ownership
development.
So
it
really
comes
down
to
those
missing
middle
opportunities,
because
a
habitat
is
rarely
going
to
be
able
to
compete
for
those
large
sites
that
have
to
go
through
site
plan.
J
Two
years
to
you
know,
can
cost
two
million
dollars
just
to
get
the
land
use
approvals
so
that
it's
going
to
be
hard
for
a
home
ownership
developer,
not
that
they
can't
but
it'll
be
hard
to
compete
for
those
which
means
and
right
now,
in
our
single
family
neighborhoods.
J
We
can't
compete
for
for
those
sites
and
and
make
them
affordable,
because
this,
the
the
the
at
the
amount
of
subsidy
just
isn't
there
so
missing
middle-
does
create
an
opportunity
for
affordable
home
ownership
development
where
you're
getting
that
sort
of
economies
of
scale
of
adding
modest
density,
but
also
leveraging
some
of
our
existing
supports
and
subsidies.
J
I'm
sorry
I
lied
there.
There's
there's
three
points:
I
want
to
make
that's
one.
The
second
is
on
the
importance
of
the
condo
initiative.
I
think
this
is
I
think
this
is
really
important.
Initial
steps
that
the
county
is
making
right
now,
because
a
lot
of
our
affordable
inventory
and
the
homeownership
side
is
in
aging,
condo
properties-
and
you
know,
townhome
style
condos-
are
are
one
thing
to
manage:
they're
still
fairly
self-contained.
J
A
lot
of
the
ownership
and
maintenance
is
still
within
the
purview
of
the
homeowner,
but
for
our
larger
multi-family
condos,
where
a
lot
of
the
systems
are
more
common
common
maintained,
the
the
degree
of
difficulty
in
keeping
them
up
over
time,
especially
as
they
age
and
people
may
not.
J
There
might
not
be
the
consensus
about
raising
condo
fees
in
order
to
keep
the
systems
upgraded.
I
think
that
it's
it's
a
very,
very
difficult
challenge,
so
I'm
really
glad
that
the
county
is
working
with
the
city
of
Alexandria
to
take
that
on,
because
I
think
that
if
we
look
at
the
sticker
price
of
some
of
these
affordable,
Condominiums
or
then
they're,
not
income,
restricted,
they're,
just
naturally
affordable
Condominiums.
J
Sometimes
that
masks
some
of
the
challenges
of
the
property
and
whether
that
actually
is
a
good
investment
for
the
homeowner
and
then
the
third
piece
that
I
wanted
to
say
is
as
we're
thinking
through
how
we
make
our
best
use
of
resources.
J
The
question
then
becomes,
you
know
if
we're
only
going
to
get
a
couple
units
a
year,
given
the
amount
of
investment
we
made,
should
we
switch
to
the
deed,
restricted
model
and
dedicate
all
of
our
resources
to
that
the
deed,
restricted
model,
that's
in
the
Adu
program
to
create
permanent
affordability,
because
a
lot
of
times
when
we
support
with
mypap
is
great,
and
maybe
we
keep
my
path
as
it
is,
but
as
we
think
about
future
programs,
you
know
if
we're
only
going
to
get
a
couple
units,
we
probably
want
to
think
about
ways
that
we
can
make
those
units
permanently
affordable,
so
that
the
next
so
that
that
we're
not
constantly
chasing
our
Tail
as
the
market
continues
to
appreciate.
J
So
as
we
think
about
program
structures,
moving
forward,
I
think
that's
something
that's
important
to
keep
in
mind
the
structure
of
those
programs
and
the
tools
that
are
available
like
the
Virginia,
the
new
Virginia
Statewide
Community,
Land
Trust,
that
is
able
to
operate
in
Arlington,
but
just
hasn't.
We
haven't
been
able
to
put
together
the
opportunity
yet
so
just
I
know
a
thread
a
lot
out
there
and
I
apologize
for
rambling,
but
I
wanted
to
make
those
points.
T
No
thank
you
so
much
I
think
we
can
take
Kellen
Karen
and
then
we'll
wrap
it
up
with
a
couple
really
quick
questions,
because
I
know
we're
right
up
against
time.
P
Thank
you,
so
I
had
sort
of
two
two
questions.
Sorry,
the
first
one
I
think
I
had
asked
before,
but
I
think
the
answer
was
no.
P
It
has
Arlington
staff
had
an
opportunity
to
talk
to
DC
about
the
black
home
ownership
fund,
that
they're
setting
up
as
and
is
that
something
that
this
study
is
potentially
exploring
to
help
bridge
the
the
huge
gap
between
black
and
white
home
ownership
in
Arlington
and
secondly,
one
of
the
things
that
I
hear
quite
often
in
historically
black
neighborhoods
in
Arlington,
like
Green,
Valley
and
and
Halls
Hill,
is
concerns
about
as
older
black
homeowners
pass
away,
that
their
their
heirs
can't
afford
to
hold
on
to
or
purchase
the
you
know
their
home,
and
so
they
end
up
leaving
Arlington
and
we're
losing
those
black
families.
P
Does
the
county
do
specific
Outreach
to
like
our
historically
black
neighborhoods
to
talk
about
the
different
homeownership
programs
that
are
available
and
ways
to
you
know
help
them
come
up
with
ways
to
to
potentially
stay
in
Arlington
so
that
we're
not
losing
those
black
households?
Thank
you.
T
Thank
you
Kellen.
So
to
answer
your
your
first
question
about
the
black
homeownership
fund,
so
I
do
have
a
colleague
in
DC
that
I
connected
with
about
this
program.
They
don't
have
specifics
as
of
right
now,
but
I
do
know
that
the
program
is
locally
funded.
T
There
is
a
sub
portion
of
the
residents
that
will
be
able
to
be
to
come
from
a
pool
of
black
households,
specifically
I,
think
that's
about
30
percent
and
that
program
is
locally
funded.
So
that's
how
they
are
able
to
to
work
those
parameters,
but
as
soon
as
I
have
more
information.
I
will
certainly
apprise
this
group
and
then
to
your
second
question,
about
about
Legacy
and
and
about
ensuring
that
historically,
black
neighborhoods
are
obtaining
information
with
regard
to
maintaining
their
homes
and
keeping
them.
T
So
one
of
the
things
that
we
are
doing
is
just
really
trying
to
to
ask:
where
do
those
conversations
take
place,
because
I
want
to
be
in
those
conversations?
I
want
to
be
able
to
interface
with
with
those
households
and
and
ensure
that
they
understand
what
is
necessary
in
order
to
maintain
the
home
so
that
they
don't
lose
the
home
to
tax
delinquency
and
the
like.
T
But
I,
think
that's
one
of
the
things
that
we
are
that
we
are
working
on
and
we
are,
we
hope,
to
gain
more
insight
into
whether
or
not
there
are.
There
are
dedicated
forms
to
have
those
conversations
and
then
bring
and
the
professionals
to
help
with
a
statement
Estate,
Planning
and
and
the
like,
where
we
are
not
necessarily
Adept.
But
we
know
that
there
are
professionals
that
are
interested
in
working
with
communities
of
color,
in
particular
black
communities.
V
No
I
I
was
just
going
to
mention.
You
know,
I
think
these
ideas.
Obviously
you
know
the
things
that
we
can
be.
We
could
be
doing
in
the
future.
This
is
you
know
exactly
the
conversation
we
want
to
have
and
just
a
reminder
in
subsequent
meetings,
we'll
be
talking
about
vision
and
goals.
V
So
we'll
you
know
try
to
at
a
high
level
understand
you
know
where
we're
trying
to
get
to,
and
then
you
know,
do
the
program
evaluation,
including
what
our
neighboring
jurisdictions
may
do,
or
places
around
the
country
may
do
that
may
be
great
ideas
so
that
we
can
formulate
you
know,
recommendations
in
terms
of
how
we
would
like
to
go
forward
so
changes
to
existing
programs,
new
programs,
new
efforts
that
help
us
to
achieve
the
vision
and
goals
that
we're
going
to
be
establishing.
V
So
all
of
this
conversation
we're
having
right
now,
really
contributes
to
that.
So
again,
I'm
encouraged
by
how
many
people
are
involved
with
this
meeting
and
have
been
involved
so
far,
and
we
just
want
to
you
know:
I-
want
to
encourage
everyone
to
stay
tuned
and
stay
involved
and
continue
to
bring
these
ideas.
And
you
know
by
the
end
of
this
process,
we're
gonna
we're
gonna,
pull
it
all
together
and
I.
Think
we'll
have
some
exciting
new
things
to
talk
about.
In
terms
of
you
know
what
Arlington
can
do
to
achieve.
V
You
know:
affordable
home
ownership,
so
I
see
that
and
I'm
just
taking
over
here,
there's
three
more
hands
up
and
we
do
want
to
get
to
our
next
element.
So
I
guess
I'll
I'll
just
call
on
Alice
to
try
to
be
very
quick.
Q
L
L
Obviously,
if
we
had
local
funding
that,
could
you
know,
support
and
have
less
restrictions
that
might
be
one
and
to
that
end,
we've
always
focused
on
80
percent
and
lower,
but
that
feels
to
me,
like
less
and
less
feasible
in
this
market
and
fewer
few
people
who
are
going
to
be
able
to
achieve
and
maintain
home
ownership.
Do
we
want
to
consider
going
up
to
a
hundred
percent
with
any
new
funding
where
people
have
a
little
bit
more?
L
You
know
stake
in
the
market
and
could
achieve
some
closer
to
some
of
the
current
sales
prices
I'm
just
throwing
that
out
for
consideration.
Thank
you.
A
K
So
I
actually
have
an
alternative
to
suggest
the
content.
Engagement
presentation
is,
is
not
a
10-minute
presentation,
I
fit
it
into
20..
K
So
what
about,
if
I
record
the
presentation
and
send
around
a
video
of
it
and
a
feedback
form
to
all
of
the
subcommittee
members,
so
that
you
can
ask
questions
and
share
ideas
and
that
we
can
really
have
robust
engagement
about
Community
engagement
rather
than
trying
to
do
it
in
the
remaining
10
minutes
we
have
this
morning
and
maybe
just
come
on,
come
online
and
say
yay,
nay,
if
you
think
that
would
work.
A
I
think
that
sounds
like
a
great
idea,
at
least
so
we
don't
have
to
rush
through
your
community
engagement.
So
thank
you.
Okay,
we'll
go
ahead
and
take
the
questions,
and
then
here
are
some
other
questions
that
may
you
may
want
to
think
about.
As
you
ask
your
questions
and
provide
comments,
so
I
think
Jacqueline
was
she
next.
N
If
I'm
next
I'm
here,
this
is
Jackie,
Snelling
and
I
have
mentioned
Civic
Federation.
Have
you
done
presentations
or
are
you?
Would
you
consider
presentations
similar
to
this
one,
but
focusing
on
the
Legacy
issue
for
our
traditionally
black
homeownership
areas
like
Green,
Valley
and
Langston
and
Halls
Hill.
N
Well,
yes,
I
mean
I,
guess:
estate
planning
is
certainly
part
of
it,
but
also
it
part
of
it
is
for
the
Next
Generation
what
they
would
the
education
that
they
would
need
now
to
be
getting
ready
to
be
able
to
to
acquire
the
homes
and
what
programs
would
be
available
that
might
make
that
a
different
option
than
what
they
might
otherwise
think.
So,
if
they're,
you
know
to
to
be
aware
of
what
support
they
might
be
able
to
get
at
that
time
and
to
build
that
into
their
estate
planning.
T
I
think
that's
a
certainly
something
that
we
can
take
a
look
at
I,
don't
know
how
that
could
be
implemented,
but
I
I
certainly
feel
like
it's.
It's
it's
vital.
In
order
to
you
know
ensure
that
the
Next
Generation
understands
what
it
what
would
be
necessary
to
maintain
the
home.
T
We
have
talked
about
possibly
working
with
college
students,
possibly
working
with
high
school
students
on
on
to
some
degree,
but
I
think
a
lot
of
what
what
the
outcomes
are
going
to
be.
Really
it's
going
to
be
determined
from
this
this
journey
over
the
next
coming
months
and
what
our
actual
recommendations
will
be
at
the
the
finality
of
of
all
of
this
okay.
T
That's
really
helpful
and
I
think
that
is
something
that
will
be
a
little
bit
more
expounded
upon
in
elise's
communication
and
engagement
plan,
because
there
are,
we've
really
done
a
lot
of
work
in
determining
how
we're
going
to
go
about
that
very
deliberately.
We
have
a
number
of
organizations
that
we
are
going
to
be
reaching
out
to
and
I
think
this
idea
would
be
another
one
that
we
can
add
to
that
list.
Well,.
N
R
Yep
hi
everyone
good
morning.
Can
you
hear
me
awesome?
Yes,
so
I'm?
Currently
an
Arlington
resident
I
live
with
my
husband
I'm
here
in
Arlington
at
the
Columbia
Pike
Corridor
super
excited
because
I'm
going
through
the
my
pet
process
right
now,
with
the
help
of
Karen,
akiria
and
odalis.
R
R
I
kind
of
took
a
step
back
when
I
read
that
non
Arlington
residents
can
apply
for
my
Papillon
and
that's
great,
but
I
believe
that
someone
who
has
roots
in
Arlington
should
get
priority
drawing
instead
of
just
like
an
additional
lottery.
Drawing
I
think
a
first
round
should
be
only
for
folks
who
live
here,
who
pay
taxes
in
Arlington.
Who
has
a
history
here
in
Arlington
and
if
an
Arlington
resident
can't
be
identified
in
the
first
round.
R
A
second
round
should
include
someone
who
maybe
does
not
live
in
the
county
and
based
on
like
other
jurisdictions
in
the
area.
I've
noticed
that
in
Alexandria
Falls
Church
Etc,
they
do
have
that
requirement.
So
I
was
just
curious
to
see
in
the
future.
I
would
hate
to
see
a
family
who
is
from
Arlington
loses
someone
who
has
no
history
here
in
this
County.
So
that
was
just
something
I
wanted
to
share.
T
A
D
You
did
thank
you,
I
wanted
to
address
the
first
question
on
here,
which
is
that
I
think
that
you
know
averaging
out
to
like
poor
participants
in
my
path
hasn't
indicated.
D
Success
and
I
think
that,
after
conversations
from
previous
years
about
some
of
the
reasonings
behind
that
which
have
included
things
like
the
income
requirements
and
restrictions
and
the
home
purchasing
limit,
you
know
that
the
cost
of
a
house
today
is
significantly
higher
than
it
was
many
years
ago
and
that
we
might
want
to
consider
upping
the
the
limit
on
the
housing
price
for
the
mypat
program
and
I
think
that
we
also
could,
in
addition
to
doing
something
like
that.
D
Look
at
what
other
Northern
Virginia
jurisdictions
have
done
like
Adu
and
Loudon
means
affordable
dwelling
unit,
and
it's
for
home
purchasing
programs
and
so
looking
at
other
Northern
Virginia
jurisdictions
that
have
encouraged
development,
so
that
I
guess
this
is
more
for
number
four
that
have
encouraged
homeownership
development
through
their
Adu
programs.
That's
allowed
through
the
site
plan
review
process.
D
Those
have
typically
been
through,
like
single-family
house
developments,
sometimes
condos,
though,
and
being
able
to
potentially
incorporate
something
like
that
into
missing
middle
in
how
we
look
at
approvals
for
for
those
site.
Plans.
I
actually
just
realized
that
that
was
a
ridiculous
statement,
because
the
idea
would
be
to
make
them
not
have
to
go
through
a
site
plan
review
process,
but.
D
Process
for
our
like
Langston
plan,
Langston,
Boulevard
or
other
types
of
development
processes
that
require
site
plan
approvals
and
incorporate
home
ownership
aspects
into
it,
because,
right
now
it's
exclusively
going
into
the
my
the
sorry
I'm
like
too
many
acronyms,
the
one
that
goes
into
apartment
buildings
for
like
ahc
and
I'm.
Just
like
you
on
the
acronym.
H
A
L
Sorry
I
forgot
to
lower
my
hand,
but
I
did
put
out
my
question
about.
It
sounds
similar
to
Nicole's
about
two
aspects:
the
looking
at
the
price
limits,
and
also
at
income
raising
income
thresholds
to
see
if,
if
more
people
could
participate,
who
you
know
are
we
analyzing
how
feasible
purchasing
is
for
80
households
and
long-term?
You
know:
are
we
tracking
these
people?
Are
they
able
to
keep
up
with
condo
fees
and
things
like
that
at
that
income
level.
A
T
Yeah
and
we
will
be
sending
out
just
information
about,
what's
going
to
happen
with
our
next
meeting
and
hopefully
get
get
that
on
the
calendar
as
soon
as
possible.
But
it
certainly
will
be
following
those
roundtables
that
we
anticipate
having
over
the
next
two
months.
A
So
with
that,
thank
you
for
joining
us
this
morning
and
I
hope
you
have
a
wonderful
weekend
and
that
you're
able
to
enjoy
this
wonderful
weather
that
we
have
and
move
forward,
as
we
think
about
how
we
can
increase
homeownership
opportunities
for
folks
in
Arlington
County.
So
again,
thanks
for
joining
and
look
for
additional
updates
on
that
website.