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From YouTube: Affordable Housing Advisory Committee
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B
B
Okay,
good
morning,
everybody
I'm
chair
of
the
affordable
housing
advisory
committee,
barry
bialik
and
I'd
like
to
welcome
you
all
to
the
february
4
2021,
affordable,
housing
advisory
committee
meeting
there
are,
we
have
a
a
little
11
members
on
our
in
our
in
our
committee.
I'm
the
chair,
margie,
is
vice
chair
and
all
committee
members
and
staff
are
participating
virtually.
We
appreciate
your
patience
as
we
look
through
committee
meetings.
A
little
bit
differently.
B
We
are
streaming
live
on
our
virtual
engagement
hub,
which
is
accessible
through
the
virtual
engagement
hub
link
on
the
front
page
of
the
city
website,
and
also
linked
on
the
committee
webpage.
We
also
have
an
option
for
the
public
to
listen,
live
by
phone
for
those
of
you
out
there
with
us
today.
Welcome.
B
B
Just
say
a
quick
hello
and
we
also
have
one
unit
one
new
member
joining
committee
members,
as
I
call
your
name
yep.
Just
please
say
quick
hello.
So,
let's
see,
I
think,
scott's
not
here
yet
dawana.
B
B
J
Oops
good
morning,
this
is
scott
adams,
urban
planner,
with
flanders,
sky,
regional
council.
B
And
we
have
our
newest
member
babs,
phillip
abs,
if
you
want
to
say
just
quick
hello
and
just
tell
us
a
little
bit
about
yourself.
K
I
am
a
relatively
recent
as
in
five
years,
a
little
over
five
years
resident
of
the
city
of
asheville,
and
I
look
forward
to
bringing
whatever
skills
and
abilities
that
I
have
to
offer
to
this
committee
as
we
work
together
on
affordable
housing
solutions
for
the
city.
I'm
really
happy
to
be
here.
B
Welcome
happy
to
have
you,
thank
you,
everybody
and
we
also
have
joining.
We
have
our
city
council
liaison
antoinette.
B
And
paul
d'angelo
from
staff
and-
and
we
have
two-
we
have
two
community
development
staff
staffers
with
us
today.
I
think
too,
all
right.
So,
first
of
what
we'll
do
is:
we've
got
two
sets
of
minutes,
so
we
can
improve,
and
since
we
have
to
go
through
this
roll
call,
we
have
to
go
through
the
same
thing
again
and
do
a
roll
call
vote.
Let's
we'll
prove
them
together.
Is
there
any
any
before
we
do
that
any
questions
does
anyone
have?
G
Barry
this
is
margie
on
today's
agenda.
We
have
under
the
unfinished
business
that
we
talked
about
the
adding
a
new
member
and
but
increasing
meeting
time,
and
I
went
back
and
looked
at
all
of
our
discussions
from
the
january
meeting.
We
did
not
talk
about
increasing
meeting
time
at
that
time,
so
I
think
we
need
to
either.
B
Okay,
we
can
do
that
for
the
next.
Can
we
do
that
for
the
next
meeting,
so
I
mean
for
this
current
agenda,
then
so
what
we?
What
we
want
to
do
is
move
the
just
just
move
in
our
current
agenda.
I
guess
the
discussion
about
adding
members
and
increasing
the
meeting
time
to
new
business
instead
of
unfolding.
J
J
I
guess
the
statement
was
that
asheville
studio
has
covered
for
sro
single
room,
occupancies
and
boarding
houses.
I
didn't
I
guess
I
was
asking
that
or
referring
that
somebody
look
at
that.
I
don't
know
right
off
hand
if
the
udo
actually
has
definitions
and
regulations
for
those
just
clarifying
okay,.
B
Thanks
all
right,
I'm
gonna
make
a
there's.
No
other
questions.
I'm
gonna
make
a
motion
to
approve
the
special
minutes
from
the
meeting
of
january
13th,
and
our
special
and
our
regular
meeting
from
january
have
a
second
on
that.
B
F
B
Thank
you.
Next,
we
have
our
community
development
updates.
Always
again.
Thank
you.
Always
thank
community
development
staff
so
much
for
preparing
these
ahead
of
time.
It's
makes
make
some
fun
read
ahead
of
the
meetings
and
it
helps
the
discussions
go
faster.
B
Anything
in
particular
you
want
to
point
out
on
a
poll
before
we
ask
members
if
they
have
any
questions.
L
No
I'm
paul
d'angelo
here
with
the
community
development
division
at
the
city
of
asheville
thanks,
so
much
barry
happy
to
answer
any
questions
for
anybody.
I
did
briefly
want
to
recognize
christina
harris
and
angelica
driver
for
all
the
help
they
do
in
putting
these
meetings
together.
Christina
harris,
as
you
know,
is
our
cd
coordinator,
community
development
coordinator
and
angelica
driver
who
said
hi
earlier.
She
is
our
new
community
and
economic
development,
administrative
assistant
for
the
department
and
doing
a
great
job
and
so
happy
to
have
her
so
angelica.
L
F
Paul,
I
have
a
question.
I
know
you
explained
to
us
maybe
last
month
how
the
you're
putting
these
together
immediately
prior
to
the
hcd
meetings,
if
I'm
not
mistaken,
so
when
we're
getting
them,
you
know,
there's
been
a
little
bit
of
a
time
lapse,
since
this
one
is
dated
january
19th.
I
just
like
to
ask
if
there
is
anything
that
has
changed
in
the
meantime
from
what's
included
here
any
you
know
any
more
recent
updates
that
you
share
those
with
us.
L
Not
in
particular,
and
thanks
for
that
joe
we
do
these
once
a
month.
They,
as
you
can
imagine,
take
a
little
bit
of
time.
We
tried
to
average
the
data
of
the
delay,
so
it's
usually
anywhere
between
two
and
a
half
weeks
to
three
weeks
behind.
So
it's
never
too
far
off
the
mark
with
just
that
small
period,
but
nothing
major
that
has
changed.
L
I
have
to
say
that
the
second
attachment
that
I
think
is
new
this
month
is
our
cdbg
cobian
story
with
the
funds
we're
receiving
from
kovid
how
those
are
being
spent.
I
have
made
additions
to
that
not
as
related
to
us
as
much
but
the
funding
that
the
county
has
recently
received
from
the
stimulus
package
that
was
passed
in
december
of
2020,
so
you'll
see
more
of
that.
It's
still
very
new.
F
Okay
well-
and
I
appreciate
it
and
along
with
barry
and
I'm
sure
everyone
else-
you
know
acknowledged
the
the
time
and
effort
that
you
guys
are
putting
into
compiling
all
this
information
for
us
and
it's
much
appreciated
it's
so
much
better
than
back.
When
I
first
started
on
the
committee-
and
we
didn't
have
anything
like
this-
so
y'all
are
doing
a
great
job.
L
Well,
thanks
joe-
and
I
know
it's
a
heavy
heavy
read
there
but
perfect
night
table
reading
and
hopefully
the
cdbg
kovid
can
be
somewhat
of
a
resource
guide.
I
know
a
lot
of
folks
have
put
a
resource
guide
out
there.
The
kobit
dollar
is
coming
to
our
area.
It
is
a
changing
story
on
a
daily
weekly
basis,
so
we're
doing
our
best
to
keep
up
with
it,
but
hopefully
it
can
also
be
seen
as
a
resource
and
as
a
friendly
reminder.
L
B
Okay,
I
have
a
couple
questions.
Can
you
just
I
I
I
saw
that
it
in
the
forgotten,
I
think
in
the
affordable
housing
council
retreat?
I
saw
that
there
was
a
there.
Was
this
the
discussion,
an
update
about
the
city-owned
parcels?
Can
you
just-
and
I
don't
see
that
on
our
update,
can
you
just
share
that
that
process,
the
the
city-owned
parcels
that
was
put
out
to
rfp
the
small
ones
just
share?
What's
happened
with
that?
Those
have
been
awarded.
L
Right
now,
the
three
winners
were
announced
at
last
week's,
affordable
housing
work
session
for
the
three
parcels,
but
then
now
the
negotiations
start
with
those
three
developers
or
two.
I
have
to
remember
there,
but
there
were
three
city-owned
parcels
that
we
put
out
for
rfp
requests
for
proposal
in
partnership
with
nikki
reed
and
her
team
and
economic
development.
L
B
D
L
Sure
and
angelica,
if
you
don't
mind,
I'm
gonna
lean
on
you
for
that,
with
the
three
lots,
if
you
can.
C
Sure
paul
one
lot
is
located
near
the
intersection
of
kentucky
drive
and
stuart
street
in
west
asheville.
B
J
I
had
a
just
a
quick
comment
or
if
I
could
do
a
quick
screen
share
paul
you
and
I
briefly
discussed
all
right.
I
brought
it
up
before,
but
there's
one
property,
that's
not
on
that
list.
It
was
it's
11
collier
avenue.
L
Whoops,
christine
I'm
not
sure
the
protocol
can
we
do
that
with
somebody
team
member
sharing
a
screen
not.
D
A
A
Yes,
this
is
christina
here
we
can
do
that
screen
share
from
a
board
member.
So
scott,
please
proceed.
J
Okay,
can
you
all
see
my
screen
yep?
Okay
yeah?
So
this
is
just
a
very
quick
timeline
overview
of
11
collier
avenue.
It
was
originally
planned
to
be
54
units
of
80
ami,
affordable
housing.
As
I
understand
it
right
now,
it's
been
reduced,
48
units
and
just
wanted
to
quickly
highlight
just
a
timeline
of
the
project
started
at
pre-app
may
of
2019.
J
J
I
was
approved
for
luige
in
june
of
this
past
summer,
and
the
developer
has
given
the
south
slope,
neighborhood
association,
the
option
to
buy
the
property
with
the
deadline
of
september
2021,
and
the
only
reason
that
I
bring
this
up,
and
I
just
had
a
previous
discussion
with
paul,
particularly
on
the
luige
policy
of
I
think
it's
a
good
question
of
kind
of
a
use
it
or
use
it
or
lose
a
clause.
J
I
know
that
luige
comes
on
the
back
end
and
the
housing
trust
fund
dollars
are
actually
much
more
of
a
use
it
or
lose
a
clause,
but
I
think
it's
important
to
point
out
just
the
the
timeline
of
this
overall
project
and
just
really
just
kind
of
put
the
question,
at
least
for
any
city
money.
That's
involved
with
a
project
of
a
user
or
loser
clause,
and
with
that
I
will
stop
my
stream
thanks.
B
L
So,
as
you
all
know,
on
community
development,
we
try
to
analyze
those
policies
on
a
yearly
basis.
We
just
made
some
changes
to
luigi
back
in
october.
The
housing
trust
fund
is
the
one
that
we're
kind
of
is
a
little
bit
of
a
harder
grasp
at
the
moment,
but
we're
working
on
it.
We
have
not
for
the
housing
trust
fund
policy,
it
we
have
notated
that
we
feel
with
that
money.
There
should
be
some
type
of
timeline
on
a
use
it
or
lose
it
so
that
it
doesn't
hold
up
funds.
L
The
land
use
incentive
grant
scott
bringing
this
up.
We
haven't
really
thought
about
it,
since
it's
no
real
hold
on
funding
and,
of
course,
but
we
can
consider
it
if
you
all
want
us
to
at
the
next
round.
I
think
this
parcel
on
collier
avenue
is
interesting
because
the
the
developer-
I
don't
know
you
know,
and
full
disclosure-
it's
tribute
properties
where
I
used
to
work
at
over
three
years
ago-
was
that
they're
trying
to
work
with
the
community
on
this
parcel
from
the
outreach
from
the
community.
L
So
I
don't
know
if
they
should.
This
would
be
an
example
of
a
hall
pass,
while
they're
trying
to
make
that
work,
because
it's
community,
we
can
talk
about
it
at
some
point
when
we
analyze
the
the
policy,
probably
next
fall,
or
this
coming
fall
since
we're
in
2021.
B
Yeah,
that's
you
know,
I'd
say
in
the
development
world.
It
is
yet
it's
come
with
with
the
mandatory
neighborhood
meetings.
It's
it's
common,
then,
for
their
projects
to
get
delayed.
When
there's
discussion
about
making
sure
that
you
know
things
are
compatible.
So
it's
you
know
it's
not
just
with
luigi
I've
seen
it.
You
know
every
every
development.
J
Sure
sure
I
think
the
larger
issue
is
that
the
neighborhood
wants,
you
know
no
housing
at
all
and
they
want
to
buy
the
property
rather
than
working
with
the
developer
for
some
kind
of
compromise.
Yeah.
G
G
I
think
there
should
be
some
kind
of
timeline
because
we
clearly
need
that
happening
and
if
you
just
let
them
stream
it
on
until
they
can
come
up
with
six
hundred
thousand
dollars,
then
that
helping
and
then
maybe
they
can't
and
it's
two
or
three
years
down
the
road.
So
it's
something
to
consider
paul.
C
L
Absolutely
scott
and
quickly
something
our
staff
does
we
have
a
whiteboard?
Well,
we
did
when
we
were
in
the
office,
but
now
we
all
have
pads
of
paper,
but
we
make
notes
throughout
the
year
about
suggested
policy
changes.
So
when
it
comes
up,
we
don't
forget
not
to
give
you
all
work
to
do
but
feel
free
to
do
that
as
well
and
keep
these
on
a
list
somewhere.
L
So
we
don't
forget,
I've
made
a
note
of
it,
but
where
this
pad
of
paper
ends
up
in
six
months,
we'll
see,
but
but
please
any
help
with
that.
We
greatly
appreciate
it.
D
I
do
have
one
question,
so
the
community
engagement
and
input
part
of
the
process
with
these
developments
that
utilize
the
luigi.
However,
the
people
is
that
a
part
of
the
criteria
or
is
that
an
initiative
that
the
individual
developer
decides
to
take
on
upon
themselves.
L
So,
depending
on
the
entitlement
process
they
go
through,
dwana
is
whether
or
not
they
have
to
have
a
community
meeting.
We
could
always
bring
someone
in
from
planning
who
can
walk
through
that
a
little
bit
better,
so
some
projects
don't
aren't
required
if
it's
a
buy
right,
build
like
the
zoning
is
correct
and
what
they're
building,
but
some
projects
do
require
community
meeting
or
some
projects,
even
if
they
don't
the
outreach
about
some
issue
comes
so
prevalent
that
they
will
have
a
community
meeting.
L
So
we're
always
welcome
to
bring
someone
in
from
planning
scott.
J
Doanna,
this
is
my
quick
understanding
of
the
project.
They
were
seeking
a
variance
to
two
development
standards
within
the
udo
one
was
for
sidewalk
width,
it's
a
10-foot
standard.
They
were
seeking
a
six
foot
sidewalk
along
the
southern
portion
of
it,
and
that
was
for
tree
safe.
The
second
one
was
for
the
essentially
what's
called
the
street
or
the
street
wall
the
face
of
the
building
at
the
street.
J
Basically
they
were
it's.
My
quick
understanding
and
I
need
to
clarify
this
with
city
staff.
I've
asked
believe
the
reduction
in
six
units
from
54
units
to
48
units
was
along
the
the
top
front
story
to
meet,
what's
called
a
step
back
requirement,
essentially
you're
cutting
into
the
building
to
expose
more
light
and
air.
That
was
my
quick
understanding
of
why
the
project
was
required
to
have
a
community
meeting
just
in
relation
to
their
variants.
They
were
requesting.
B
And
I'll
share
it's
the
regardless
of
luigi
or
anything.
This
the
city,
zoning
and
planning
requires
neighborhood
meetings
on
almost
anything.
That's
not
just
a
small
regular
build,
even
even
subdivision,
you
know
even
a
what's
considered
a
major
subdivision
requires
it.
So
it's
not
certainly
part
of
the
affordable
housing,
development
or
or
incentive
process.
It's
just
a
required
planning
tool
that
was
added
in,
I
think
about
it
seems
like
four
years
ago.
So
you
know,
every
project
goes
through
that.
L
B
Okay,
speaking
of
that
was
that
was
my
other
question
about
how
that,
because
I
see
it
says
that
they're
supposed
to
their
loan
was
going
to
close,
possibly
in
february,
what's
the
status
of
that
one.
L
I
think
getting
there
mary
brooke
cox
on
our
team,
a
community
development
analyst-
is
working
on
that
so
a
little
bit
of
back
and
forth
regarding
the
terms
and
so
they're
still
working
on
that,
but
almost
getting
there
that
project's
looking,
really
good.
Just
still
a
little
bit
of
negotiations
about
the
final
finality
of
all
that,
okay.
B
L
We
are
working
on
those
documents
kurt
kirk
has
like
has
asked
about
like
a
status
but
hasn't
requested
like
the
final
thing,
but
we,
I
think,
have
prepped
those
documents
and
kirk
sent
me
an
email
yesterday.
So
I
have
to
respond
to
that.
That's
one
of
my
questions
to
see
how
close
he
is
to
needing
those
funds,
but
it
certainly
does.
B
Yeah
yeah
and
then
I
think
the
girl,
like
the
other
one
you
know,
is
the
garage
apartments
I
think,
is
also
a
really
good
example
of
one
also
that
to
make
sure
that
projects
are
like
that,
one
was
approved
by
housing
trust
fund
without
it
being
allowed
by
zoning.
So
I
think
it's
the
there's
a
making
sure
that
we
properly
vet
before
it
goes
to
housing
trust
fund.
B
I
think
you
know
that
was
an
example
of
one
and
then
the
you
know
the
junior
group-
one,
I
think,
is
another
example
of
one
that
different
vetting
you
know
may
have
different
outcomes.
Is
that
I
guess
that
was
my
other
question
to
be
about
the
junior
group.
One
what's
happening
with
that.
I
saw
that
the
six
six
of
their
or
seven
of
their
lots
that
they
had
for
sale
or
under
contract
for
sale,
correct.
L
So
we're
trying
to
see
what
we
can
do
with
the
juno
group
about
still
making
it
available
to
do
four
or
five
affordable
housing
and
how
that
affects
the
housing
trust
fund.
We
are
trying
to
we're
actively
mary
brooke
is
working
with
him
and
again
trying
to
make
sure
that
we
can
move
something
forward
there
without
just
cutting
a
line
in
the
sand.
But
at
the
same
point,
will
this
happen
or
not?
And
if
the,
if
it
doesn't,
the
funds
can
come
back
to
housing,
trust
fund,
okay,.
L
That,
wouldn't
that
is
in
the
juno
group,
wasn't
one
that
that
comes
through
a
hack
that
goes
to
hcd,
but
yeah,
we're
not
sure
if
it
would
go
back
to
hcd
and
or
council.
That's
a
question
once
we
finalize
okay
but
we're
still
in
our
fingers.
We
can
hear
some.
L
With
us
regarding
the
affordable
part
of
it,
if
that
worked
out
and
went
through,
there
was
a
price
of
275.
000
was
where
we
were
looking
at
for
a
home
which
was
going
to
be
two
or
three
bedrooms,
one
or
two
baths.
That
type
of
thing
and
275,
I
believe,
was
the
price
that
we
were
looking
at.
G
B
H
Paul
I
noticed
that
the
the
opening
sentence
under
cedar
hill
remains
unchanged,
despite
the
fact
this
project's
taking
on
a
whole
different
life
of
its
own,
and
I
wondered
if
that
was
just
sort
of
a
carryover.
H
You
know
as
you're
as
you're,
adding
to
the
report
over
the
months
or
will
the
work
that
was
done
around
that
master
plan,
somehow
informed
the
work
that's
going
on
with
the
with
the
purpose-built
communities
community
engagement
process,
or
I
mean
how
did
those
is
that
just
a
holdover
that
discussion
about
the
you
know
the
239
housing
units
and
the
master
planning
process
that
was
done
three
plus
years
ago.
L
Sure
andy,
as
you
know,
with
that
parcel
you
know
there
was,
I
think,
something
done,
maybe
five
or
six
years
ago
regarding
some
work
with
that
consultant
gentleman
who's,
I'm
gonna
blank
on
his
name
at
the
moment
and
then
about
two
and
a
half
years
ago.
We
did
some
additional
work
around
there
now
that
that,
as
we
talked
about
at
the
work
session
last
week,
which
will
be
a
link
when
we
update
these
we'll
put
a
link
in
there
for
that
work
session.
L
Last
tuesday,
with
council,
with
this
new
60
acre
redevelopment,
we're
trying
to
make
sure
that
the
work
that
was
done
is
still
going
to
be
a
part
of
the
overall
work
out
there,
as
you
can
imagine
the
players
at
the
table
right
now,
as
it's
in
its
very,
very
infancy
still
on
home
plate.
L
The
focus
is,
of
course,
with
what
the
housing
authority
is
trying
to
do
with
rebuilding
diva
view,
but
then
there's
this
larger
60
acres
to
consider
the
documents
that
were
done
two
times
apparently
with
that
parcel,
are
a
part
of
the
documents
that
have
moved
forward.
So
I've
kept
that
on
there
for
right.
Now,
because
we
want
to
make
sure
that
that
work
that
was
done
and
valued
in
the
community
remains
in
the
larger
discussion
as
they
as
we
eventually
start
to
leave
the
gate
on
that
project.
B
L
L
I
don't
know
if
there's
going
to
be
any
delays
with
covid
regarding
the
2020
amis
from
last
year,
which
came
out
in
april
may
during
the
hot,
the
beginning
seasons
of
covid,
we
did
not
adopt
those
new
figures
which
saw
a
pretty
dramatic
increase
in
the
area,
median
income,
so
we're
still
working
off
the
2019
amis
and
rent
levels,
we'll
reevaluate
that
here
in
two
to
three
months
for
the
2021
figures.
L
We
are
curious,
if
we'll
see
a
decrease
in
the
figures
due
to
the
fact
of
people
being
unemployed
and
homo
and
the
income
so
to
be
seen.
But
as
of
right
now.
Those
two
answers
to
your
questions
bear.
L
And
if
I
understand
this
correct
from
legal,
if
it's
one
of
our
specific
asheville
policies,
where
we
tie
it
to
our
evaluation
of
those
hud
amis,
we
have
to
accept
those
am
you'll
use
the
amis
that
we
accepted
the
city
and
due
to
coven,
we
did
not,
you
know
and
accept
and
air
quotes.
You
know
we
did
not
accept
those
figures
because
of
the
difficulties
and
the
challenges
with
many
of
our
folks
in
nashville,
being
unemployed
and
unable
to
pay
rent.
L
B
Moving
on
all
right
next
up
on
agenda
is
the
list
of
available
homes
under
275
000,
which
is
dwindling
ever
so
fast.
I
did
go
ahead
and
add
in
for
your
requests
the
map
that
does
show
the
ho
the
homes
and
condos
for
sale
on
one
map
around
the
city.
B
B
B
And
I
do
it
all
without
city
subsidy.
Thank
you
very
much
all
right,
so
any
other
anything
on
that,
or
should
we
we'll
move
on
from
that?
B
Okay,
so
now
we
will
go
to
our
unfinished
business
and,
like
is
like,
I
said,
we're
going
to
move
two
of
the
items.
To
finish
I
mean
to
new
business,
so
that
means
we're
going
to
move
on
the
agenda.
B
The
discussion
about
increasing
the
meeting
length,
the
meeting
time
length
and
adding
new
members
to
new
business.
So
that
means
we're
at
down
payment
assistance.
B
Okay,
so
so
you
know,
obviously
we
had
our
last
and
I'll
just
give
a
brief
little
bit,
so
you
know.
Obviously
this
is
a
policy
that
that
went
through
our
committee
was
adopted
by
council.
I
believe,
two
years
ago
it
kind
of
sat
on
shelves
got
brought
back
to
life
and
we're
trying
to
keep
it
alive.
B
So
we
had
a
special
meeting.
You
know
that
this
is
the
one
that's
put
out
to
rfp.
Obviously,
mountain
housing
and
one
other
part,
one
other
potential
partner
responded.
Mount
housing
is
one
of
the
things
we're
moving
forward
with
discussion
and
there's
some
stalling
things
happening.
There's
some
discussion
items
that
that
are
keeping
it
that
day
a
little
bit,
but
what
a
you
know
so,
obviously,
as
us
as
a
committee
we
had,
you
know
we
had
our
special
meeting
on
it
earlier.
B
You
know
mid-january,
we
recommended
to
adopt
it
the
way
it
to
to
adopt
to
move
it
on
recommending
mountain
housing's
adjustments.
Apparently
that
didn't
happen.
So
it's
back.
It's
it's!
Basically,
it's
it's
paul.
If
you
maybe
want
to
explain
just
a
little
bit
what
happened
after
that,
so
we
can
just
explain
to
the
committee
and
the
public
that
so
we
as
a
committee
made
a
recommendation
for
something
to
move
forward
and
then
what
happens
next
sure.
L
Thanks
barry,
so
yesterday
there
was
an
internal
meeting
at
the
city
with
city
management
and
sage.
L
Turner
was
also
at
that
meeting
being
with
hcd
and
then
previously
regarding
down
payment
assistance,
and
so
it
was
decided
there
that
you
know
with
this
policy
that
was
adopted
two
years
ago
and
now
being
two
years
later,
and
a
discussion
that
some
city
priorities
and
goals
have
changed
since
then
that
maybe
it
was
a
good
idea
to
take
a
pause
and
and
take
a
look
at
the
policy
itself
to
see
if
there
were
some
changes
that
should
be
made
to
better
reflect
recent
council
goals.
L
Recent
discussions
that
have
happened
in
the
community
about
what
folks
are
looking
for
with
affordable
housing.
So
it
wasn't
a
lot
of
direction,
but
I
did
speak
with
city
management
that
well
we've
got
an
ahack
meeting
tomorrow.
L
So
would
you
recommend
that
perhaps
we
just
have
a
dialogue
with
this
group
being
the
advisory
committee
with
many
connections
to
the
community
and
areas
of
expertise
that
perhaps
we
have
a
dialogue
about
the
policy
we
have
christina,
I
believe,
added
the
policy
to
the
materials
and
if
we
can
always
send
that
out
quickly
to
this
group
or
talk
about
it,
you
know
let
everyone
look
at
it
and
bring
it
back
next
month.
But
that
is
a
thought
of
mine.
This
morning
is
to
possibly
page
through
the
policy.
L
It's
just
six
pages
to
see.
If
there
are
some
parts
that
work
or
don't
work,
or
perhaps
thinking
of
city
goals.
Thinking
of
the
what
the
community
wants
to
see
from
dpa,
I
did
reach
out
to
barry
last
night.
I
think
I
heard
you
mention
earlier
the
5
30
phone
call,
so
I
did
reach
out
to
barry
to
let
him
know
about
this
change
that
we
wouldn't
be
having
a
kind
of
a
another
firm
vote
to
move
to.
Hcd
management
has
asked
us
to
take
a
breath
and
take
a
look
at
that.
L
So,
however,
you
all
see
that
is
fine
with
me
regarding
this
policy.
B
Yeah
I'll
point
out,
our
conversation
was
at
5
30
last
night
for
an
agenda
item
today.
Yes,
just
like
it
was
the
before
the
last
special
meeting
so
yeah,
I
find
it
a
little
confusing
you
know
and
that's
and
that's
what
I'm
trying
to
I.
I
guess
as
I
as
our
you
know,
our
committee's
goal.
Our
committee
is
supposed
to
be
some
of
the
voice
of
the
committee,
the
voice
of
the
community
and
some
of
this,
and
it
was
on
our
you
know,
agenda
this
month.
B
You
know
this
month
and
I
don't
think
we
had
any
public
comments
on
it.
So
I
and
I
guess
what
there
wasn't
really
any
clear
direction
given
to
you
about
what
the
what
to
redirect
and
ask
the
community
or
was
there.
L
Well,
thanks
joanna,
if
I
could
answer
that
quickly,
so
you
know
it
was
only
about
a
45-minute
meeting,
so
not
a
lot
of
direction,
but
I
think
step.
One
was
let's
just
kind
of
point
this
out
to
a
hack
and
see
where
the
conversation
goes.
My
thought
is
that
I'll
be
reporting
back
to
that
group
after
today,
you
know
or
tomorrow,
when
I
can
make
sure
the
thoughts
I
can
get
down
about.
L
Perhaps
your
suggestions,
I
would
imagine
on
what
this
looks
like
and
then
based
on
that
and
I'm
sure
a
future
conversation
with
city
management.
We
can
figure
out,
hopefully
next
steps,
so
whether
that's
community
outreach
meetings,
some
kind
of
timeline
unknown
but
happy
to
look
for
your
direction.
G
So
while
she
waits
paul,
when
you
talk
about
the
the
city's
staff
for
the
city
council's
their
their
goals
have
changed,
can
you
give
me
a
little
bit
more
background
on
that,
because
I
mean,
if
anything,
the
goal
is
to
get
home
ownership
even
more
so
and
to
be
faster
about
doing
this.
So
what
is
it
that
they
have
that
they're
uncertain
about.
L
And
so
thanks
to
wanna
I'll
answer
again,
I
think
you
know
two
years
is
a
long
time.
I
don't
want
to
speak
necessarily
for
city
management
and
it
wasn't
a
you
know.
It
was
a
45
minute
meeting
like
one
thing
that
comes
to
mind
is
the
reparations
resolution
that
was
passed
in
june.
Does
that
have
an
effect
on
anything
our
policies
have
moved
to
you
know,
I
think
everyone
knows
is
our
consistency
in
our
policies
for
affordable
housing,
pretty
much
is
20
80
20..
L
You
know
with
that
focus
on
80
at
80..
You
know,
babs
is
for
80,
ami
or
less
so
this
policy
has
that
outside
of
the
federal
home
on
bank
dollars,
and-
and
so
you
know,
is
there
a
thought
of
you
know.
My
thought
is
an
additional
focus
on
the
60
area
meeting
income
funding,
which
I
think
mike
vance
talked
about
in
his
proposal.
L
But
that
would
be
my
best
guess
right
now,
I'm
margie
without
further
conversation.
B
D
So
for
me,
I'm
like,
as
I
reviewed,
the
the
down
payment
assistant
policy
that
was
presented
and
some
of
the
notes
from
the
hcd
meeting
when
it
actually
got
pushed
back
to
a
heck
around
this
down
payment
assistance.
It's
the
thought
of
the
forgiveness
that
was
being
taken
out
of
it,
the
forgiveness
of
this
alone
in
this
grant,
and
that
financial
hardship
that
it
will
impose,
especially
on
communities
that
are,
as
we
think,
about
home
ownership.
D
D
D
It
is
a
hardship
like
just
the
process,
not
saying,
and
then
when
you
need
those
extra
layers
of
subsidy
to
be
able
to
afford
a
house
in
our
current
market.
When
we
know
it's
unaffordable,
that's
not
a
question.
We
all
know
that
you
know
what
I
mean,
and
so
you
need
the
extra
layer
and
to
take
out
the
option
of
forgiveness
that
that
equity
that's
built
up
through
families
who
have
overcame
obstacles,
especially
our
lower
income
families
in
reference
to
them
specifically
and
those
lower
amis.
D
It
just
seems
unreasonable
that,
like
I
was
shocked
that
we
recommended
accepting
it,
you
know
what
I
mean
like
it.
It
was
just
like
that
defeats
the
purpose,
because
I
wouldn't
even
have
profited
because
that's
like
most
down
payment
assistance
programs,
that's
out
here
now
a
standard
is
like
five
years.
You've
been
your
house
for
five
years
and
it's
forgiving
or
a
turn
within
that
range
or
overtime
is
slowly
forgiving,
but
to
just
take
it
out
period
is
like
crazy.
D
It's
like
craziness
to
me,
and
so
I,
like
I'm
glad
that
we're
having
this
time
to
have
this
conversation
and
reconsider.
I
D
I
No,
I
thought
we
did
have
some
and
I
apologize.
We've
talked
about
this
so
many
times
and
I
apologize
if
I'm
not
clear
on
where
things
ended
up,
but
I
did
I
thought
that
we
did
have
some
sort
of
formula
for
where
if
somebody
did
move
a
portion,
you
know
they
didn't
have
to
pay
everything
back.
I
thought
there
was
some
sort
of
appreciation,
value
formula
that
we
had,
but
I
don't
I
don't.
I.
B
I
think.
That's
that's!
That's
really!
The
sticky
wicket
in
this
whole
conversation
I'd
say
is
that
that's
how
the
policy
was
written.
It's
the
policy
was
written
with
the
forgiveness.
That's
it
doesn't
align
with
how
any
other
down
payment
assistance.
Programs
work.
So,
and
you
know
specifically
the
the
nchfa,
the
north
carolina
housing
finance
agency,
which
has
the
one
that
partners
with
all
the
banks
that
one
does
not
have
a
forgiveness.
It's
more
of
it's
there's
a
no
payment.
You
know
that
it
only
becomes
due.
B
You
know
upon
sale,
and
but
that's
where
that's
where
the
that's,
where
the
whole
sticking
point
I
think
has
come
in
is
that
then
the
mountain
housing?
You
know
we
had
two
requests
for
our
rfp
one.
Wasn't,
I
guess
a
qualified,
so
mountain
housing,
their
request
to
to
administer
it
was
to
not
have
it
forgiven
was
to
have
it
as
a
trade.
More
like
the
ncaa's
one,
which
is
a
you
know,
it's
a
no
payment.
It's
it's
a
no
payment,
shared
appreciation,
loan
model,
and
there
you
know
the
the
reasoning.
B
So
then
it
layers
with
how
other
banks
are
without
having
to
design
a
whole
new
program
and
that
it
it
allows
as
a
if
it's,
if
it's
a
considered
alone
and
not
a
grant
it's
treated
differently
and
can
be
leveraged,
it
can
be
leveraged
to
get
more
money
from
for
the
for
the
fund,
so
that's
kind
of
where
that's
kind
of
where
this
came
back
from
so
it
was
brought
up
by
mountain
housing
to
not
have
that
to
have
it
that
it
never.
B
It
only
has
to
get
paid
when
the
property
transfers,
but
that,
I
think
that's
the
biggest
sticking
point
in
it.
B
You
know,
I
think
one
of
the
and
that's
kind
of
one
of
the
you
know
the
bigger
I'm
trying
to
I
just
keep
trying
to
zoom
out
and
try
to
bring
this
discussion
back
is
like
is
a
I
mean,
is
our
goal
to
get
I
mean
our
is
what
is
our
primary
goal
and
it's
a
primary
goal
to
get
housing
to
create
affordable
housing
that
we
can
get
people
in
now
or
is
a
house
a
future
bank
account
because
I
think
we're
what
is
our
primary
goal,
because
we
may
not
be
able
to
accomplish
both
with
this
policy
or
we
may
need
to
just
kind
of
get
it
moved
and
then
try
to.
B
We
can
always
make
adjustments
to
it,
but
I
feel
like
that's
going
to
be
that's
the
biggest
sticking
point
and
I
think
if,
if
the
one
partner
and
it's
you
know
a
partner,
it's
a
relationship
and
if
and
if
a
partner
is
coming
to
the
table
like,
I
can
only
do
it.
If
this
and
that's
your
only
partner,
there's
some
compromise
that
we're
trying
to
reach
on,
or
else
we
have
to
go
back
to
square
one.
B
So
I
think,
that's
you
know.
That's
part
of
the
big
conversation
we
have
to
recommend
is
like
what
is
the
go?
What
is
the
goal?
Is
the
goal
you
know
to
and
and
and
maybe
like
maybe
one
thought
I
was
like
what,
if,
if
we
focus
the
entire
policy
or
get
it
adopted
for
only
60
ami?
What
if
we
you
know
the
way
the
policy
was
originally
the
originally
the
first
year
was
going
to
be
dedicated
half
the
funds
set
aside
for
that.
But
what,
if
we
can?
B
B
But
I
think
if
we
get
you
know,
I
mean
I
think,
the
conversation
about
forgiveness
versus
whether
it's
alone
is
kind
of
a
semantic.
I
mean
I
understand
it's,
you
know
it's
definitely
the
sticking
point,
but
it's
it's
not
it's
not
alone
with
the
payment.
It's
not
something
that
needs
to
get
paid
until
the
house
transfers.
M
M
They
need
tremendous
amounts
of
rehab
work.
So
if
someone's
invested
five
or
ten
thousand
dollars
over
the
course
of
several
years
to
to
fix
or
remediate
problems
in
the
house,
which
makes
it
more
valuable,
the
city
recoups
that
money,
so
the
person
is
actually
paying
twice
for
the
improvements
they've
made
to
their
house.
If.
M
L
M
Repairs
because.
M
L
Our
pardon
me,
but
just
to
be
clear
and
somebody
correct
me
here-
I
don't
think
most
down
payment
assistance.
Programs
like
mortgages
come
with
home
inspections
and
I
don't
think
they
necessarily
get
it
approved.
If
you
have
to
move
in
with,
I
don't
know
if
there's
a
threshold
there
paul
you've
got
your
hand
up,
but
if
someone
wants
to
make
that
clear,
that
would
be
great.
E
Yeah,
I
can
speak
to
that.
Certainly
a
home
in
these
situations
would
have
to
be
all
the
systems
of
the
house
would
need
to
be
functional,
that's
roof
foundation,
there
shouldn't
be
any
or
there
wouldn't
be
able
to
be
any
like
need
for
immediate
repair
for
a
home
that
would
be
eligible
for
these
programs
or
or
conventional.
D
Yeah
lending
move
in
ready
for
my
from
my
recent
experience,
but
but
I
also
agree
with
brian
that
when
we
think
about
these
275
like
the
list,
that's
the
275
houses
275
or
below
they
are
fixer-uppers,
like
that's
the
reality
like
I've
been
on
this
journey
for
four
years
and
when
you
look
at
these
houses
that
are
in
the
275
or
below
range
outside
of
these
new
build
properties
through
like
programs
like
habitat
or
mountain
housing,
or
these
newer
properties
that
that
are
trying
to
stick
to
that
275
or
below
they're
still,
they
fix
rubbers,
like
I
have
seen
a
hundred
houses
this
year
and
I'm
trying
to
tell
you
to
find
the
one
that
was
just
right
enough
that
I
could
get
along
that
my
loan.
D
My
lender,
would
approve
it
through
the
traditional
market,
and
so
it's
like
it
is
amount
of
money
and
equity
that
will
go
into
these
houses
and
even
then,
even
so,
I
still
have
work
to
put
into
my
house.
You
know
what
I
mean
like
even
with
that
it
was
move-in
ready,
but
there's
still
things
that
need
to
be
done.
It
takes
money,
and
so
it's
like
the
unforgiveness
of
that
long.
I
understand
the
replenishing
the
fund,
but
the
unforgiveness,
even
if
it's
broken
down
over
time.
It's
a
big
point.
It's
not
a
small
sticking
point.
D
It
is
a
big
point
because
it
is
still
a
financial
investment
like
we
are
still
even
after
moving.
We
are
still
making
that
financial
investment
into
our
home
to
make
it
the
home
that
we
needed
to
be
so
it's
just
like,
like
I
see
it
as
both
and
buried
like
looking
at
it
on
which
way
do
we
want
to
go,
which
is
going
to
be
the
real
focus
of
this,
but
also
keeping
in
that
consideration
around
how
the
terms
of
it
and
it
forgive
forgive
or
not,.
J
Scott,
this
is
just
a
quick
comment
to
dwana
and
brian's
comments.
I
think
yeah.
I
I
think
you
both
are
making
a
good
point
that
you
know
sort
of
money
in
could
be
potentially
recouped.
I
think
it's
definitely
important
to
distinguish
if
possible-
and
this
may
be
a
discussion
item
for
the
policy
to
distinguish
between
basic
functional
life
and
health
safety.
Improvements
versus
aesthetic
improvements.
Does
the
bathroom
work
when
you
move
in?
Yes?
Do
you
want
it
to
change
from
tile
to
parquet
floors?
That's
that's
an
important
point
of
differentiation
and
barry.
J
You
had
a
comment
earlier
that
I
think
is,
is
definitely
part
of
the
larger
conversation
of
what
is
what
is
housing
for?
Is
it
for
shelter
for
a
financial
investment?
I
think
our
focus,
or
at
least
my
focus
on
this
committee-
is
to
provide
and
increase
the
amount
of
shelter
and
then
have
the
financial
wind
fall
to
an
owner,
be
a
secondary
consideration.
H
I
think
scott
that
comment
probably
hits
the
nail
on
the
head
for
why
senior
staff
at
the
city
and
and
council
members
might
have
wanted
us
to
think
about
this
in
in
light
of
shifting
policy
goals
at
the
city
is,
is
that
very
conversation
right?
Every
home
ownership
program
exists
on
a
spectrum
of
two
policy
goals.
One
is
the
provision
of
housing
and
one
is
the
access
to
to
wealth
creation
right
so
that
that's.
Why
that's
why
we
want
to
support
homeownership
to
some
degree,
is
that
it
it?
H
It
provides
housing
and
the
opportunity
to
build
to
build
wealth.
I
I
think
what
we're
here
and
what
paul
may
have
been
hearing
in
that
45
minutes
yesterday
is
there
may
be
some
movement
within
city
policy
makers
on
that
continuum,
more
in
the
direction
of
wealth
building,
and
that's
certainly
what
dewan
is
bringing
up
today.
Is
you
know
how
much
of
that
you
know
how
much
of
that
act
of
the
buyer's
equity
do
they
should
they
be
able
to
expect
to
have
at
the
end
of
this
program?
B
H
Into
housing
in
the
most
efficient
way
possible,
you
know
if
it's
just
about
access
to
happening,
it
should
be
a
rental
voucher.
You
know
if
it's
about,
because
that's
that's
the
housing
that
you
you
know,
that's
housing
where
you
have
zero
access
to
wealth
creation
right.
H
We
have
decided
that
we're
going
to
do
something
in
the
homeownership
space,
which
means
that
as
a
as
a
as
a
city
and
as
a
committee
representing
our
neighbors
in
the
city
of
asheville,
we
need
to
decide
where,
on
the
continuum,
is
the
right
place
to
be
in
terms
of
the
the
expectation
of
wealth
creation
and
and
asset
building.
You
know
and
there's
ways
to
get
to
some
of
this.
I
think
in
a
compromise
kind
of
setting.
Part
of
it
is
just
about
the
the
lean
position
of
this
down
payment
assistance.
H
Loan
right,
that's
going
to
guarantee
that
if
there
aren't
proceeds
from
the
sale
adequate
to
you
know
adequate
for
the
city
to
recover
that
down
payment
assistance
loan,
then
the
homeowners
might
be
on
the
hook.
For
it
I
mean
that
you
know.
There's
there's
some
things
like
that.
H
That
kind
of
get
built
into
this,
I
think
the
four
provisions
that
were
in
the
original
policy
about
transfer
permitted,
transfer
transfer
by
gifter
inheritance
transfer
title
due
to
the
barber's
death
to
a
joint
tenant
transfer
the
title
to
the
borrower's
spouses
through
divorce
transfer
of
title
interest
through
as
a
result
of
marriage,
like
some
of
those
things,
probably
need
to
remain.
H
You
know
you
know
in
if
we
do
decide
to
go
to
you
know
to
remove
the
forgiveness
provision
I'd
some
of
those
you
know,
conditions
of
transfer
probably
do
need
to
continue
to
remain
in
the
policy
so
that
we're
not
burdening
someone's.
H
You
know
future
heirs
or
surviving
spouse
with
with
a
debt
right,
but
you
know
so
so
there
are
two
things
there's
a
few
places
where
we
can
spread
this
needle
a
little
bit,
but
I
do
think
the
bigger
question
is:
you
know
when
we
think
about
making
an
investment
in
homeownership?
How
much
of
that
investment
should
be?
You
know
should
be
tied
to
wealth
creation.
J
G
Yeah
I
just
wanted
people
to
think
about
when
we
were
talking
about
putting
an
emphasis
on
60
ami,
I
mean
buncombe
county's
average
wage
is
not
like
it's
not
like
raleigh
or
wake
county,
so
80
ami
is
still
in
the
very
low
30
000
range,
and
I
feel
like
those
people-
I
I
I
understand,
but
it's
it's
80,
ami
or
below
I
I
hesitate
to
to
say
that
we
should
focus
just
on
60
or
below,
because
there's
a
whole
lot
of
folks
in
that
lower
30
range.
G
That
truly
deserve
an
opportunity
to
have
a
house
also.
So
I
just
I,
I
know
that
we're
trying
to
to
figure
out
how
to
to
work
this
out.
But
if
we
had
a
higher
average
median
income
for
this
county
it
would
it
might
be
different,
but
we
don't-
and
I
think
it's
it's
trying
to
be
fair
to
all
those
folks
that
the
80
or
below
still
includes
all
the
60
or
the
40
or
the
30..
B
L
So
wages
for
60
ami,
which
you
know
to
move
off
the
rental
part
of
it
that
we
talked
about
earlier,
but
looking
at
2020
figures,
you're
talking
if
you're
talking
income
barry,
one
person
is
thirty
thousand
dollars
a
two
person
household
at
thirty
four
thousand
three.
Eighty
eight
three
person
housing
at
thirty,
eight
seven
and
a
four
person
household
at
forty
three
thousand
five
hundred
okay.
B
Which
is
yeah,
probably
a
that's
a
good
swath
of
wages,
and
you
know
it's
like
we.
Our
income
is
so
it's
on
two
sides
here.
You
know
it's
like
that's
a
that's
and
that's
a
common
wage
here
and
then
there's
you
know
the
higher
wages
that
throw,
but
our
you
know
our
average
average
income.
I
think,
is
what
72.
L
L
We
all
know
that
that
is
different
than
the
average
renter
wage
that
came
out
from
the
national,
low-income
housing
coalition
for
north
carolina
and
asheville.
I
believe
the
asheville
renter
wage
is
13.73
per
hour
and,
as
you
all
know
too,
since
I
apparently
want
to
brag
about
facts
this
morning,
is
that
just
economics
I
think
their
living
wage
came
in
with
if
you
provide
insurance
at
17
and
43
cents
an
hour
or
something
like
that.
L
G
G
Right
so
I
mean
you're
still
somebody
that's
single
is
still
in
the
33
34
000
a
year
range
like
a
policeman,
a
fireman.
I
mean
our
firemen
in
this
city
make.
I
don't
even
know
that
they
make
13
an
hour.
B
I
think
before
I
saw
your
hand,
was
up
and
then
it
looked
like.
Is
there
something
you
wanted
to
say
your
question.
K
Yeah
I
had
a
question
about
the
the
term
of
the
down
payment
assistance
loan.
Someone
had
mentioned
that
traditionally,
what
we
see
is
five
to
ten
years
and
so
per
the
city's
policy.
What
what
is
that
term.
L
So
currently,
in
the
down
payment
assistance
policy,
it's
you
know
a
second
position:
30
year,
no
payment,
no
interest
loan
that
sits
out
there
for
the
life
that
the
person
lives
in
the
house
beginning
at
year,
20
or
technically
21.
L
We
reduce
that
loan
by
10
every
year
until
year,
30
and
then
the
full
loan
at
30
years
would
be
forgiven.
If
the
house
was
sold
between
years,
you
know
zero
and
20,
they
would
pay
back
the
full
loan
amount,
although
I'm
blanking
on,
if
we
put
in
a
percentage
there
or
not,
but
starting
in
year
21,
you
get
a
10
discount
every
year
until
it's
fully
forgiven
at
your
30..
L
Thank
you
and
sure,
and
then
I
know
looking
at
time
barry
but
as
a
just
a
quick
reminder
as
your
staff
liaison
when
we
had
these
conversations
starting
two
and
a
half
years
ago-
and
I
might
have
said
this
at
the
mid-january
meeting,
but
the
conversation
started
with-
we
need
to
make
this
forgivable
eighty
thousand
dollars
it's
switched
to.
No,
we
need
to
keep
this
a
living
growing
fund
that
needs
to
keep
going.
There
should
be
no
forgiveness.
L
We
came
up
with
a
partial
forgiveness
program:
there
somewhat
mirrored
off
of
nchfa's
down
payment
assistance
for
program
their
first
mortgage
program,
so
we
we
ended
up
with
that
compromise,
and
so
you
know
two
things
to
remember
and
again,
just
factual
here
is
that
the
main
reason
that
no
one
wanted
to
that
we
moved
to
a
re
revolving
fund
was
if
we
did
the
80
up
to
80
000
and
it
wasn't
forgiven,
we
would
do
basically,
you
would
do,
depending
on
the
amount
12
to
15
loans,
for
our
million
dollars
and
we'd
be
done
until
somebody
sold
a
house,
so
we'd
be
helping
12
to
15
households,
not
saying
that's
right
or
wrong,
just
passing
along
information
when
it
came
back
to
the
revolving
fund.
L
You
know
that
the
part
of
that
that
was
there
is
that
it
mirrors
other
programs
out
there
like
an
mho.
We
ended
up
with
that
compromise.
However,
you
all
decide
on
this.
The
thing
with
the
rfp
is,
if
we
mho
we
agreed,
should
be
the
initial
you
know
partner
here
and
see
how
that
works.
There's
you
know
been
a
change
with
city
management
on
that,
but
mho
made
the
request
that
the
funding
be
not
forgiven,
so
it
mirrors
their
program,
which
makes
it
a
lot
easier
as
well
as
for
leveraging.
L
That
said,
and
and
again
just
factual
here,
you
all
decide
if
we
decide
to
do
a
forgiveness
program
or
something
like
that.
I
believe
mike
vance
at
mho
said
he
will
he.
He
will
not
be
on
board
with
that.
So
we
have
to
go
back
out
to
rfp.
If
we
change
the
policy
and
that's
going
to
be
a
six
month
process
again,
not
weighing
one
way
or
the
other.
However,
it
works
out.
Y'all
tell
us
you
can
just
watch
my
hair
get
grayer
and
grayer
until
I
decide
to
diet,
but
we.
B
He
he,
if
he's
listening,
he's
not
he.
I
don't
he's
not
in
in
this
part
of
the
call
where
he
can
comment.
He
originally
was
me
on
the
agenda
as
someone
else
from
home
trust,
but
we
because
this
got
dropped
all
last
night
at
five
o'clock
we
decided
to
kind
of
push.
You
know
that
knot
so,
but
I
think
so
here's
what
he
here's.
B
So
it's
not
modeled
after
nchfa,
it's
not
modeled
after
mountain
housing's
policy,
and
we
don't
know
how
it
will
layer.
So
the
question
is:
do
we
take
this
back?
Put
this
on
pause,
redo
the
whole
thing
and
have
a
policy
that
then
there's
no
partner
to
administer,
and
we
don't
know
if
it
if
it
layers
right
with
regular
mortgages
or
do
we
say
we
have
a
pretty
good
policy
and-
and
we
focus
it
on
those
we
know
need
it
the
most
we
focus
it
on
60
mi.
B
We
maybe
have
to
meet
our
partner
in
the
middle
and
say
all
right.
Well,
we're
gonna
do
this
is
a
you
know:
it's
it's
not
gonna
be
forgivable,
it's
gonna
be
a
revolving
fund
and
we
get
it
going
and
see
how
it
does,
and
we
always
have
the
chance
to
re
to
review
this.
I'm
just
really
concerned
when
I
know
we
put
this
up.
We
put
this
out
photography
with
the
forgiveness
and
we
didn't
have
a
taker,
that's
a
problem.
D
B
J
D
Because,
like
one
thing
I
like
for
me
is,
I
understand
we
need
to
move
this
forward
and
all
of
that
good
stuff,
but
I
also
think
about
the
marginalization
first
of
all
is
we
do
not
have
a
traditional?
It
wasn't
traditional
from
this
like
the
way
it
was
structured
anyway,
and
we
are
trying
to.
We
recognize
that
traditional
standards
marginalize
out
a
good,
a
good
group
of
our
community
and
that's
like
I'm
sorry.
D
It
wasn't
hard,
it
wasn't
complicated.
It
was
something
that
was
able
to
be
done,
and
I
just
don't
want
us
to
be
like.
Oh,
it
might
be.
It
might
take
a
couple
more
hours
of
our
time
to
kind
of
really
flesh
this
out
or
work
to
go
back
to
supporting
a
traditional
system
that
marginalizes
out
people
who
really
need
access
to
this
down
payment
assistance,
and
these
programs
and
also
applies
another
debt
to
the
process
like
it
kind
of
it,
contradicts
what
we're
supposed
to
be
doing
tonight.
D
You
know
what
I
mean
we're
supposed
to
be
we're
supposed
to
be
increasing
home
ownership
or
affordable
housing,
but
we're
also
taking
the
consideration
that
we
discussed
yes
two
years
ago.
This
has
been
the
discussion
for
a
minute
around
it
being
forgiven
and
the
reasons
why
it
should
be
forgiven
in
the
terms
and
different
things
like
that
and
then,
when
we
bring
it
to
the
table,
because
we
got
pushback
and
a
partner
that
we
feel
like
we
want
to
go.
D
I'm
sorry,
I'm
open
to
new
partners,
I'm
open
to
exploring
the
options,
I'm
open
to
doing
it
right
the
first
time
and
not
maybe
later
we'll
go
back
and
change
it
if
it
don't
work.
I'm
like
I
push
against
accepting
these
traditional
standards
because
we
got
a
partner
at
the
table
and
we
scared
that
somebody
else
might
not
we're
moving
in
fear.
B
B
So
I'd
like
to
make
a
motion
that
we
recommend
the
the
to
move
forward
with
the
mountain
housing
non.
You
know
the
the
as
a
the
revolving
fund
model
and
target
and
to
increase
the
60
ami
subsidy
amount
to
50
000
and
to
focus
the
first
year
of
the
policy
on
just
60,
ami
and
and
and
agreed
to
review
the
policy
after
120
days
to
see
the
progress
to
look
at
adopt.
L
And
barry
paul
here
just
to
be
clear,
you're,
putting
a
motion
that
says
up
to
50,
000
and
down
payment
assistance
is
a
change
to
the
policy.
You
would
recommend
focus
the
first
year
on
60
ami
and
after
120
days
just
trying
to
clarify
if,
however,
this
moves
forward,
so
I
understand
what
we
have
to
do.
Thank
you.
D
B
I
don't
think
we
agree,
we
discussed
it
at
one
of
the
last
meeting.
We
had
a
calculator
up
that
we
just
kind
of
showed
that
it's
going
to
take
that
minimum
layer
of
subsidy
layered
with
something
else
to
make
a
difference,
but
I'm
I
think
it's
just
it's
a.
I
think
it
needs
more
and
I
don't.
I
think
we
can
just
out
of.
D
M
L
So
two
things
there
number
one
I
want
to
see
if
christina
has
any
guidance,
I
think,
while
that
is
correct
in
that
conversation,
I
do
think
the
board
chair
or
any
member
of
this
committee
can
make
a
motion,
and
it
I
believe
that
has
to
be
addressed.
Is
that
and
you
guys
cannot
pass
that
notion
based
on
what
you
just
said,
but
christina
am
I
correct?
There
are
emotions
put
on
the
table
at
least
has
to
be
voted
on
and
considered.
A
Yes,
it
does
have
to
be
considered
and
voted
on,
and
we
can
also
put
in
the
minutes
and
documentation
that
you
do
oppose
this
direction
that
we
are
going
into
and
that
you
would
like
to
further
discuss
this
matter.
So
that
definitely
can
be
notated
and
added.
L
So
just
to
want
to
follow
in
that
you
know
procedural
stuff
there,
so
I
would
imagine,
barry
would
take
a
vote
and
then
whether
that
passes
or
not-
I
don't
know-
and
I
don't
know
to
wanna
if
you
can
make
a
second
motion
based
on
what
you
just
said.
Christina
might
have
thoughts
on
that,
but
I
think
that's
correct
as
well.
B
Yeah,
I
think
I
think
part
is
because
we
we
don't
really
have
much
guidance
on
this,
so
we're
trying
to
we're
trying
to
offer
some
guidance
and
we
all-
and
essentially
our
last
meeting.
We
already
passed
this
motion.
So
we're
really
just
it's
it's
it's
just
revising
that
motion
with
with
focusing
this
whole
thing
on
60
for
the
first
year
and
to
make
that
have
a
better
chance,
increasing
the
amount.
So
I've
got
a
motion.
Do
I
do.
I
have
a.
B
B
Looks
like
not
so
so
okay,
so
I
guess
yeah
we'll
continue.
We'll
just
put
we'll
continue
this
discussion
back
on
the
agenda
for
next
month.
M
Paul,
how
many
people
in
asheville
are
there
at
the
60
ami
level
versus
the
80
ami
level?
So
if
we're
limiting
this
just
trying
to
get
a
sense,
what's
the
difference
in
the
size
of
the
population,
that
would
be
eligible.
L
I
can
I
don't
have
those
figures
off
the
top
of
my
head.
I
can
tell
you
just
based
on
caught
being
cost
burdened
where
people
are
spending
too
much
of
their
housing
dollars,
whether
they're
home
ownership
or
renters.
I
can
give
you
that,
but
I
I
can
find
that
breakdown
and
share
that
with
the
committee
based
on
households
and
individuals.
B
Okay,
okay,
so
we'll
just
we'll
put
this
back,
I
guess-
and
maybe
maybe
over
the
next
month
we
can
get
a
little
better
guidance
and
direction
from
city
staff
as
to
what
we
want
to
review.
So
then
we
can-
and
I
guess
we'll
go
we'll
be
able
to
send
it
back
on
their
agenda
next
month.
B
B
So
we
talked
about
the
last
meeting.
We
talked
about
kind
of
three
different
subcommittees.
One
we're
calling
kind
of
was
we're,
calling
them
land
build
and
then
connect
meaning
kind
of
land.
Is
the
specific
things
to
look
at
in
the
udo
and
the
development
process
that
we
could
create
a
subcommittee
which
then
allows
us
to
bring
other
members
of
the
public
in
on
a
subcommittee.
B
So
we
talked
about
kind
of
why
I've
suggested
kind
of
a
lan
one
for
land
about
specifically
development
and
udo
changes
for
the
development,
one
for
build,
which
means
kind
of
the
actual
construction
process
and
how
that
can
streamline
and
again
work
with
the
city
departments
for
that
and
then
the
connect
meaning
the
connecting
with
the
people
who
need
it
the
most
to
make
sure
we
kind
of
have
a
pipeline
and
do
outreach
and
then
connecting
with
the
to
the
community
and
and
then
the
lenders
that
are
needed
to
make
this
happen.
B
I
guess
one
question
I'd
like
to
ask
you
it's
it's,
and
and
in
those
subcommittees
what
we
can
do.
Example
on
the
on
the
you
know
on
a
lan
committee.
That
means
any
any
one
of
our
committee
members
can
be
on
it,
and
then
we
can
also
ask
engineers
or
other
members
from
the
public
to
be
on
those
committees
who
have
who
have
specialties.
That
can
help
us
find
the
challenges
to
move,
to
help
to
adjust
build.
B
We
can
involve
kind
of
the
actual
home
builders,
association
or
other
other
groups
or
other
builders
and
the
development
in
the
building
process,
for
how
to
stream
like
that
to
make
things
more
affordable
and
then
the
connect
is
really.
You
know.
Public
outreach,
lender
outreach
and
all
the
things
that
that
you
know
our
our
reach
is
limited
in
a
once
a
month
meeting.
B
The
question
is:
do
we
is
whether
we
need
the
free
or
whether
the
land
and
the
build
can
be
together
as
one
just
for
efficiency?
Does
anyone
have
any
thoughts
on
those
committees
and
which
ones
you
would
be
interested
in
being
part
of.
L
Paul,
can
I
make
a
suggestion
if
you
don't
mind
if
you
wanted
to
put
together
a
down
payment
assistance
working
group
that
could
maybe
be
prioritized
over
this
next
month
from
a
staff
perspective.
I
think
that
would
make
sense
for
you
all
to
have
those
difficult
conversations
and
maybe
put
your
focus,
but
that's
just
a
staff
suggestion.
B
D
Yeah,
I
believe-
and
I
would
definitely
be
interested
in
being
in
that
a
part
of
that
committee,
but
if
y'all
have,
if
it's
other
members
who
want
to
be
a
part
of
these
other
communities,
y'all
are
free
to.
Let
me
know-
and
I
can
definitely
sign
on
to
the
committee-
that
I
feel
like
my
talents
fit
for.
B
B
F
And
I
have
a
question:
are
we
I
mean
from
from
what
we're
currently
doing?
It
sounds
like
we're
self-selecting
for
the
committees
or
the
subcommittees,
but
do
we
have
an
eye
toward
trying
to
have
you
know
sort
of
a
balanced
number
of
members
between
the
subcommittees?
B
K
The
connect
or,
if
it's
otherwise
called
down
payment
assistance,
that
is
where
my
interest
lies
at
the
moment.
A
I
just
wanted
to
add
in
regards
to
sub-committee
meetings
that
everything
needs
to
comply
with
the
nc
open
meeting
laws
and
that
you
know
if
you,
if
these
work
groups
do
come
about,
they
should
be
where
it
says
here.
Working
group
task
force
is
created
or
requested
by
the
commission,
or
not
public
bodies
or
less
formal,
and
should
report
to
the
council
appointed
commission
only.
So
I
just
wanted
to
make
some
of
these
things
aware,
since
we
are
in
this
kind
of
remote
world
that
everything
has
to
comply.
M
B
H
I'd
like
to
hear
just
a
little
bit
more
about
what
christina
had
just
brought
up
and
just
exactly
how
these
committees
need
to
function,
what
their
limitations
are
going
to
be
what's
involved
in
complying
with
that
open
meetings
rule,
and
if
we're
you
had
mentioned
that
we
could
engage.
You
know
people
on
these
subcommittees
outside
of
the
outside
of
the
commission.
Members
do
we,
you
know
what
are
the
limitations
around
that
it
feels
like
the.
H
I
think
this
is
a
productive
way
for
us
to
advance
some
of
these
discussions
that
we
don't
ever
seem
to
have
time
to
dig
into
fully
here,
but
I
want
to
make
sure
that
we're
doing
it
in
a
way
that
the
work
of
those
commit
those
subcommittees
is
still
going
to
be.
You
know,
usable
by
staff
and
and
by
this
by
this
commission,.
L
A
Yeah
and
we'll
definitely
review
some
of
this
sorry,
I
don't
mean
interrupt,
we'll,
definitely
be
reviewing
this
and
share
with
you
all
so
that
you
will
have
this
information
and
kind
of
be
able
to
refer
back
and
forth
from.
But
you
know
there
are
some
things
here
that
you
know
we
just
want
to
throw
out
there
and
make
sure
that
you're
aware
of
it
so
just
stand
by
and
we'll
get
some
more
of
that
information
to
you
and
then
we
can
also,
of
course,
discuss
as
well.
So.
B
B
B
So
I
think
there's
once
we
get
kind
of
the
leanings
of
where
people
want
to
go
and
how
many
members
on
each
then
we'll,
then
we
can
clarify
because
it
may
be
fewer
members
or
a
few
members
are
on
one
committee
that
follows
different
standards
and
but
I
think
we'll
follow
up
this
next
month.
I
just
wanted
to
kind
of
it's
something
we've
talked
about.
I
think
we
need
to
move
forward
to
divide
and
conquer
with
this,
so
I
just
want
to
kind
of
get
where
everyone's
leaning,
so
we
can
design
these
committees.
I
When
we
get
that
information,
can
we
get?
I
know
on
the
homeless
initiative
advisory
committee.
We
ran
into
this
issue
with
subcommittees
and
we
ended
up
with
advisory
committees
or
something
and
there
there
was
some
distinction.
So
can
we
get
information
on
whether
maybe
the
advisory?
A
A
Yeah
one
I
will,
I
can
get
a
little
bit
more
information
about
kind
of
how
they
handle
that
and
then
see
how
that'll
fit
with
the
a
hack
advisory
board.
It
was
working
groups
working
groups.
Thank
you,
yeah.
H
I
My
preference
would
probably
be
connect.
It
will
depend
on
how
much
of
a
commitment
these
things.
C
B
I
B
Okay,
yeah
is
amber
still
here
amber.
E
Also,
can
I
just
say
you
know,
I
think
we
need
to
make
sure
that
this
program
is
right,
but
but
also
had
we
had
a
program
that
we've
been
working
on
all
this
time.
The
beneficiaries
of
it
would
be
tens
of
thousands
of
dollars
richer
in
equity
in
their
homes.
Had
this
program
been
in
existence
two
years
ago
when
it
started
so
we
are
losing
something
by
by
allowing
time
to
pass.
So,
let's
get
it
right,
but
let's
get
it
right
sooner
than
later.
For
for
everyone.
B
Yeah
cool
all
right,
well,
cool
thanks!
Thanks
all
on
that
yeah
we'll
work
on
some
of
the
formalities
of
what
we
need
to
do
and
get
get
kind
of
the
rules
in
place.
So
we
can
move
forward
but
yeah.
I
just
think
yeah,
I'm
finding
with
our
meetings.
It's
so
there's
so
much
we're
trying
to
do
in
the
virtual
world
is
so
difficult
that
I
think
we
really
need
to
divide
and
conquer
this,
and
some
of
them
like
that
connect
committee,
may
be
a
lot
larger
and
may
have
to
follow
different
standard,
different
rules.
B
B
Moving
on
affordable
housing
street
sheets,
we
there's
a
note
about
updates
and
the
two
one
one
anything
to
share
on
that.
L
Brief
that
we
are
almost
final
with
our
update
for
the
street
sheet
and
I'm
in
conversations
with
two
one,
one
about
the
data
handling,
some
kind
of
clearinghouse
data,
etc
about
affordable
housing.
So
I'll
keep
up
the
update
that
I
have
started.
Those
conversations,
as
I
mentioned,
that
I
would
at
the
last
meeting,
okay.
B
The
bit
about
you
know
the
challenges
and
code.
That's
we're
going
to
tackle
that
and
kind
of
our
subcommittee
approach.
We
are
being
asked:
there's
an
planning,
there's
an
open
space.
Amendment
task
force
that
we've
been
asked
to,
I
think,
have
two
members
join.
Is
there
any?
Is
there
anyone
who
has
interested
it
was
in
our?
It
was
in
our
package
of
documents
about
open
space,
warding
amendment
task
force.
Is
there
anyone
on
the
committee
that
would
like
to
volunteer
to
be
part
of
that
task
force.
B
L
I
I
think,
with
limited
time
here,
barry
we
can
go
ahead
and
move
things
to
next
month
quickly
to
brian
method's,
question
the
data,
hud
etc.
Our
bone
report,
doesn't
you
know
between
household
sides
and
everything
else,
breaking
everything
down
between
60
and
50
ami,
but
my
best
guess
would
be
that
right
now,
48
of
the
households
are
below
50
000
and
then
based
on
the
region
where
about
40
percent
on
average
are
below
40
000
per
year.
So
I'm
I'm
striking
a
mark
here.
L
That's
not
clear,
but
I
would
say
about
40
to
45
percent
of
our
folks
are
under
60
ami
households
and
about
55
under
80.
So
please
know
that's
a
very
rough
estimate.
They
don't
break
out
the
numbers
like
that,
but
that
sounds
about
right.
M
M
Barry's
point
about
making
sense
to
if
we're,
to
use
these
funds
to
to
really
address
some
level
of
people
who
can't
afford
housing.
Otherwise,
this
program
would
be
best
targeted,
60
ami,
to
start
with.
B
B
Okay,
let's
see
so
move
on,
I
think
that
wraps
up
at
least
what
we
can
have
time
to
discuss
for
unfinished
business.
This
time
we're
gonna,
move
on
to
new
business.
Some
of
the
two
things
that
I
want
to
bring
up
first
are
about
expanding.
B
Let's
see,
expanding
our
board
seats
by
two
one
recommendation
that's
been
made
is
to
add
in
a
permanent.
I
don't
know
if
we
can
do
a
floating
seat.
I
was
gonna
check
on
the
the,
if
that's
allowed
or
not,
but
to
have
someone
from
the
housing
authority
with
the
boards
with
a
seat
on
the
board,
and
that
means
we
do.
We
have
to
add.
You
know
paul
pointed
out
to
me.
We
can't
add
just
one.
We
have
to
add
two
for
voting
purposes.
B
One
of
the
other
recommendations
was
from
the
board
of
realtors
lot
star,
but
I
don't
know
if
that's
you
know
now
that
I
mean
babs
is
a
realtor.
Babs
can
join
the
affordable.
You
know
the
lot
star,
affordable
housing
committee
and
I
think
you
said
you'd
be
willing
to
do
that.
K
B
B
So
that
may
take
care
of
that,
but
that
means
we
do
have
if
we
do
add
on
once,
you
know
one
seat,
we
have
to
add
on
another
seat.
So
do
we
have
any
specific,
especially
you
know,
especially
any
kind
of
specific
seats
that
we
would
want
to
direct
that
towards
that
we
can
recommend
adding
you
know
we
could
just
open
up.
We
could
just
open
up
two
seats.
B
One
is
a:
is
a
housing
authority
seat
and
then
one
is
just
another
seat
for
the
public
for
any
member
that
meets
our
you
know,
guidelines
or
do
we
want
to.
We
want
it
targeted
towards
anything
specific
andy.
H
Barry
is
that
housing
authority
seat
geared
toward
housing
authority
staff
or
is
it
geared
toward
say
the
housing
authority
residence
council?
I.
B
Might
have
legit
that
was
like
yeah,
that
was
the
that
was
the
other,
the
other
portion
about
moving
our
yeah.
You
know
the
other
big
thing
about
moving
us
to
two
hour
meetings.
I
guess,
let's
get
that
out
of
the
way.
Is
everyone?
Is
everyone,
okay?
Moving?
We
were
to
our
meetings
before
kovid,
just
through
virtual
we've
been
one
and
a
half.
Is
everyone?
Okay,
with
two
hour
meetings.
C
B
Okay,
good
and
then
so
then
I
guess
is
there
any
specifics?
I
mean,
I
think
so,
we'll
recommend
to
you
know
that
we
add
two
two
seats
to
the
board,
with
one
one
specific
for
housing
authority
and
the
other
just
another
open
seat
that
meets
our
our
guidelines.
Is
everyone?
B
Okay,
with
that
that
one
we'll
take
a
vote
on
okay,
so
I
make
I'll
make
a
motion
to
expand
our
our
committee
by
two
seats
with
one
seat
dedicated
towards
a
staff
member
from
the
housing
authority
and
then
the
other
an
open
one
meeting
our
guidelines,
I'll
say:
okay,.
B
F
B
C
B
L
K
B
Thank
you
motion
curious,
so
we'll
we'll
make
that
recommendation
and
that'll
go
through
to
boards
and
commission
and
to
okay.
I
guess
it
goes
to
hcd
for
them
to
decide
all
right.
We
did
not
have
any
public,
you
know,
since
I
guess
we
do
have
to
wrap
up.
We
did
not
have
any
public
comments
come
in
for
this
agenda
and
I
I
am
going
to
acquire
you
know.
I
was
on
a
board
of
adjustment.
Meeting
and
board
of
adjustments
has
live
public
comments
and
I'm
going
to
try
to
inquire.
B
Why
I
don't
understand
the
standards
why
some
committees
have
to
have
the
comments
come
in
the
day
before
and
some
could
have
them
live
because
I
think
the
live.
Could
you
know
that's
how
it
is
when
we're
live,
and
so
I'm
going
to
kind
of?
I
was
going
to
kind
of
inquire
with
city
staff
as
to
if
we
can.
A
Yeah,
thank
you
paul,
so
actually
and
sorry,
chair,
bialik
didn't
mean
to
interrupt
you,
but
actually
during
the
meeting.
So
I
tried
to
give
out.
You
know
information
that
you
know
our
comment
section
and
period
to
receive
those
will
end
by
5
pm
the
day
before
the
actual
meeting.
But
while
I'm
trying
to
kind
of
vet
through
some
of
the
emails
that
are
coming
in
regarding
the
ahack
meeting
this
morning,
we
did
receive
a
comment
that
I
can
share
out
with
you
all
just
to
clarify.
The
comment
was
received.
A
L
We'll
try
to
get
an
answer
to
that
barry
and
then
we
are
at
two
minutes
after
11.
B
Okay,
all
right
yeah,
I
guess
we'll
we'll
help
having
a
two-hour
meeting
next
time
and
then
we'll
try
to
you
know
over
the
next
month
try
to
get
a
little
bit
more
direction
of
what
staff's
looking
for
with
the
dpa.
So
we
can
have
a
targeted
conversation
on
that,
and
maybe
that
will
also
then
be
a
good
task.
You
know
this
subcommittee,
so
it
can,
since
it
is,
it
can
take
up.
It
could
have
took
up
the
whole
meeting
as
it
almost
did.
So
I
guess
with
that.
B
I
will
adjourn
our
meeting
unless
anyone
has
anything
they'd
like
to
add
appreciate
your
time.
Everybody
appreciate
the
public.
Thank
you
all
see
you
next
month.