►
Description
Housing and Redevelopment Authority Meeting
A
B
C
A
A
E
A
C
A
D
A
A
F
F
This
way
the
hr
members
and
the
planning
commission
can
hear
the
discussion,
consideration
and
questions
of
the
other
group.
The
hra
is
expected
to
arrive
in
person.
If
you
haven't,
if
you're
not
in
person,
it
will
be
noticed
public
notice
beforehand,
it
will
be
6
30
pm
that
the
hra
board
will
need
to
arrive
here
in
council
chambers
and
there
will
be
a
short
break
after
the
last
item
of
the
planning
commission
meeting
to
call
the
concurrent
meeting
to
order,
but
we
do
need
to
arrive
at
6.
30.
F
A
G
Sure,
madam
chair
commissioners,
jason
schmidt
economic
development
analyst
for
the
city
tonight
before
you
is
a
first
amendment
to
the
redevelopment
contract
for
the
days
in
project,
as
well
as
another
brand
new
agreement
between
the
developer,
bloomington
bloomington,
crossroads
ventures,
llc
the
city
and
the
hra
and
I'll
briefly
describe
both
of
those.
So
for
the
first
one.
Currently,
there
is
an
existing
development
agreement
to
redevelop
the
days
in
project
between
the
developer
and
the
hra.
G
The
developer
right
now
just
recently
closed
the
days
in
operation,
so
the
hotel
has
been
closed
and
they
are
looking
to
demolish
the
hotel
prior
to
purchasing
the
property
with
which
the
hr
bay
currently
owns,
and
so
what
this
amendment
is
doing
is
amending
our
development
agreement
to
allow
them
to
go
ahead
and
demolish
the
building.
Do
the
site
preparation
work
to
be
ready
to
do
undertake
their
development
commencing
in
the
spring
of
2022.?
G
Currently
that
development
proposal
is
they're
currently
working
on
it.
They
plan
to
bring
that
before
the
city.
Excuse
me
before
the
planning,
commission
and
city
council
this
winter
of
2021
2022
for
the
zoning
approvals.
At
that
time
we
will
also
be
amending
the
development
agreement
to
update
it
based
on
that
development
proposal.
G
With
regards
to
the
commission,
the
other,
the
agreement
that
is
between
the
city
and
the
developer
and
the
hra,
the
new
one,
what
that
is
doing
is
that
is
kind
of
indemnifying
the
developer
and
the
hra
with
regards
to
any
police
and
fire
training
that
is
going
to
be
occurring
on
the
site.
So
if
any
officer
was
injured
during
that
training,
the
hra
and
the
developer
would
not
be
held
liable
for
that
injury,
and
so
that's
what
this
agreement
is
for
you
to
approve
tonight.
B
G
Cheer
lewis,
commissioner
thorson,
with
regards
to
our
development
agreement,
it
was
actually
the
full
responsibility
of
the
developer
to
handle
all
the
demolition
costs,
site,
preparation
and
their
development
as
part
of
our
agreement
and
under
this
amendment
that
holds
true,
so
the
hra
will
not
be
responsible
for
any
of
the
demolition
costs.
That
is
solely
the
responsibility
of
the
developer.
So.
D
A
Good
comment:
yes,
commissioner
thorson,
I
just
thought
you
could
read
me
all
right.
If
there
are
no
other
questions,
I
would
be
looking
for
a
motion
to
adopt
a
resolution
approving
first
amendment
to
contract
for
private
redevelopment
with
bloomington
crossroads,
venture
llc,
an
agreement
with
city
of
bloomington
and
bloomington
crossroads,
venture
llc
related
to
days
in
bloomington,
west
hotel.
A
A
F
Thank
you,
chair
lewis,
erica
coleman,
hr
administrator,
so
it
was
previously
discussed
in
a
motion
passed
to
bring
forward
this
item
for
discussion
amongst
the
board
this
evening
and
with
the
potential
for
a
motion.
If
the
board
so
felt
inclined,
I
wanted
to
point
out
that
the
authority
is
organizing
and
existing
under
the
provisions
of
minnesota
statute
sections
469.001
2469.047,
as
amended,
also
known
as
the
housing
authority
act
and
an
authorizing
resolution
adopted
by
the
city
council
of
the
city
of
bloomington,
in
accordance
with
the
housing
authority
act.
F
I
wanted
to
clarify
that
when
I
am
referencing
this
statute,
I
am
referencing
that
that
is
the
broad
umbrella
in
which
we
are
created
under
that
does
not
drill
down
specifically
into
how
we
administer
our
programs,
but
it
is
the
broad
umbrella
and
so
in
bringing
this
information
forward
at
looking
at
the
home
rehabilitation.
The
home
improvement
loan
program
excuse
me
and
bringing
that
forward.
It
was
just
a
review
of
a
program
that,
from
time
to
time,
we
do
that
as
an
organization
review
the
program
look
at
standards
and
policies,
industry
standards,
for
instance.
F
F
So,
in
particular
under
subdivision
subsection
6
of
the
statute,
housing
rehabilitation,
loan
grant
program,
it
just
broadly
states.
An
authority
may
develop
and
administer
housing,
rehabilitation
loan
and
grant
and
grant
program
with
respect
to
property
located
anywhere
within
its
boundaries,
which
is
owned
by
persons
of
low
and
moderate
income
on
the
terms
and
conditions
it
determines
that
last
line
is
very
important
on
the
terms
and
conditions
in
which
it
determines
because
the
hra
board
has
the
authority
to
determine
the
terms
and
conditions
within
the
low
to
moderate
income
guidelines.
A
A
H
B
F
Absolutely
thank
you
chair,
chair
lewis,
commissioner,
commissioner
thorson.
Thank
you
for
the
question.
So
hud
has
broadly
defined
moderate
income
as
eighty
percent
ami
or
below
in
the
state
of
minnesota.
A
hundred
percent
ami
is
a
little
bit
over
a
hundred
and
four
thousand
dollars,
so
eighty
percent
ami
would
be
a
little
bit
over
eighty
thousand
dollars
for
a
family
of
four
low
income
is
actually
defined
as.
F
F
B
Loan
pro
create
loan
programs
and
so
forth
for
low
and
moderate
income.
Thus
the
first
question
the
second
question:
we
also
have
programs
hras
can
have
programs
to
fight
flight
and
I'm
wondering
if
those
are
as
it
relates
to
potential
residential.
You
can
broad
you
know,
flight
is,
can
be
fairly
broadly
defined,
I'm
sure
when
it
comes
to
residential,
but
are
those
also
tied
to
the
low
and
moderate
income.
F
F
F
One
of
the
main
things
that
we
do
is
when
we
purchase
substandard
property
and
look
at
removing
the
property
tearing
the
house
down
and
selling
the
lot
in
terms
of
this
program
or
these
sets
of
programs
in
terms
of
home
improvement.
The
help
program
would
actually
be
addressing
external
blight,
so
something
that
we
can
actually
see.
However,
that
currently
is
a
loan.
D
Thank
you
if
I
could
do
a
follow
to
commissioner
thorson's
comments
and
administrator
coleman's
response,
a
number
of
things
in
our
materials
and
describing
this
program,
which
is
quite
extensive,
suggest
that
health
and
safety
are
one
of
the
triggers
for
us
to
be
looking
into
taking
action
and
in
our
in
our
governance
here
in
the
city
that
tends
to
be
the
environmental
health
department
is
that
is
that
the
way
that
this
tends
to
go?
Do
we
get
referrals
from
them?
F
Thank
you,
chair
lewis,
and
commissioner
olson.
It's
not
just
environmental
health.
That
is
the
main
regulatory
arm
that
does
do
inspections
on
property
or
receive
complaints
is
our
environmental
health
department,
but
it's
also
our
building
and
inspections
division,
and
so
we
do
have
quite
a
bit
of
conversation,
referral
and
engagement
with
our
environmental
health
department
division
and
one
of
the
things
is.
I
have
a
list
right
now
from
environmental
health
of
about
10
homes.
F
That's
just
the
homes
that
are
really
in
need
of
some
help:
10
homes
that
have
a
range
of
concerns
that
are
considered
health
and
safety,
so
whether
that
is
exterior
such
as
peeling
paint
or
interior,
such
as
plumbing
or
stairs.
That's
like
a
trip,
hazard
or
mechanicals,
and
usually
these
properties
that
environmental
health
is
are
coming
to
us,
are
because
one
the
homeowners
may
need
a
little
bit
more
help
in
applying
for
any
program.
F
F
Get
the
work
done,
assess
the
homeowners
property
taxes
through
hennepin
county,
which
is
at
an
eight
percent
interest
rate,
and
so
we
do
communicate
quite
a
bit.
But
that
is
one
of
the
reasons
for
really
reviewing
the
help
program
that
we
have
and
looking
at
that
limit
and
looking
at
the
requirements
is
to
better
open
up
those
lines
of
communication
with
environmental
health
and
meet
residents.
F
D
F
D
F
You're,
correct
and
the
hra
does
have
a
long-standing
history
of
partnering.
I
just
mentioned
habitat
for
humanity.
As
you
know,
we
do
have
a
great
partnership
and
support
with
cee
of
other
programs
that
they
do
so
we
do
partner.
I
don't
don't
think
that
this
would
be
new.
We
already
partner
and
fulfill
some
of
these
things
with
other
entities
and
organizations
around
the
metro.
A
D
It
it
sounds
like
this
is
involving
home
ownership,
and
so
how
does
this
concept
of
offering
to
assist
in
some
form
of
intervention
in
these
programs
that
we're
looking
at
the
grants
and
so
forth?
Is
there
a
way
for
those
who
are
in
renting
situations
to
have
that
happen?
I
mean
our
relationship
with
landlords,
ordinances
and
that
kind
of
stuff,
of
course,
but.
F
So,
thank
you
for
the
question.
There
is
a
way
I'm
not
proposing
that
at
this
time.
That
would
be
more
research
and
exploration
of
different
programs,
but
I
can
tell
you
that
when
there
usually
are
programs
that
offer
rehab
for
a
landlord
situation,
there
comes
restrictions
that
we
would
place
on
that
property
in
terms
of
maintaining
affordability
for
a
certain
period
of
time
being
offering
the
property
for
sale
to
the
tenant.
E
Not
enough
to
cover
how
many
people
are
in
that
household,
so
I
I
would
like
to
open
the
discussion
to
other
commissioners
on
kind
of
what
you
guys
are
feeling
on
that
and
see.
If
that's,
where
we
want
to
stay
is
where
it's
at
now
or
if
we
want
to.
Maybe
you
know
detail
that
a
little
bit
more
depending
on
you
know
household
size.
F
F
E
Well,
I
mean
if,
if
all
we
can
go
to
is
that
80
percent
in
cd
cd
bg,
then
I
guess
we're
kind
of
stuck
with
that.
My
thing
is,
is
I
just
think
you
know
I
look
at
it
as
a
bigger
household
could
make
more
than
80
and
they're
still
struggling?
Is
my
point,
I
guess
that's
where
I
was
going,
but
if
that's
as
far
as
we
can
go,
then
we're
kind
of
where
we're
at.
F
Yes,
so
for
cdbg
80
for
neighborhood,
we
go
up
to
100
and
I'm
not
proposing
we
change
going
from
going
up
to
100,
I'm
still
proposing.
We
continue
to
go
up
to
100,
I'm
just
saying
that
if
we
go
up
to
100
that
a
household
would
need
to
additionally
provide
a
denial
from
a
minnesota
housing
lender.
That
says
I
went
to
look
someplace
else
and
I
could
not
get
a
loan.
They
said
they
will
deny
me
so
now
hra.
F
E
B
Lewis,
I
would
I
would
share
commissioner
hughes
concerns
and
I
have
similar
concerns
around
equity
and
and
assets,
and
so
on,
like
that
as
well,
and
this
is
why
I
continue
to
feel
like
this
is
a
really
some
major
changes
here
and
something
we
need
to
take
our
time
to
fully
understand.
I
there's
there's
just
I
mean
I'll
just
say
a
broad
comment.
B
That
my
microphone,
oh
sure,
so
I
I
think
it's
worthy
of
continued
discussion
and
see
how
we
can
meet
those
needs.
I
understand
that
on
the
neighborhood
program
that
we
can
go
up
to
100
percent-
I
don't
know
if
you
know
to
ask
people
to
go
through
that
extra
process
of
being
denied
elsewhere,
I'm
a
little
hesitant
on
as
well,
but
again
we're
in
discussion
mode.
Okay,.
A
And
I
I
would
ask
I'm
going
to
ask
chair,
I
hear
your
concerns,
commissioner
thorson
and
I
know
other
people
have
concerns
too.
I
think
what
we
need
to
do,
however-
and
this
may
require
tabling
this
for
another
evening,
but
I
think
we
need
to
come
with
specific
questions.
I
think
making
broad
statements.
I
know
things
bother
you,
but
it's
a
little
vague,
what's
bothering
people,
so
it's
I
think
harder
for,
like
administrator
coleman
and
her
department
to
really
answer
our
concerns.
F
B
E
E
If
we
go
to
that
hundred
percent
and
with
the
denial
will
you
if
they
applaud,
like
let's
say,
they're
they're
wanting
to
apply
they're
at
that
hundred
percent,
are
we
gonna
offer
them
the
support
and
the
tools
to
find
those
those
lenders
like
minnesota
housing
network?
Are
we
gonna
guide
them
I
mean.
E
Obviously
I
would
assume
we
would,
but
I'd
like
to
hear
that
in
confirmation
that
we're
going
to
guide
them,
you
know,
even
though
we
can't
help
them
right
now,
we're
going
to
guide
them
to
get
all
the
help
they
need,
and
then,
if
that
doesn't
work,
we're
here
to
help
them.
I
guess
that's
a
specific
question.
I
would
like
to
ask
a
good
question.
F
We
wanted
to
try
and
say
reputable
responsible,
like
we
didn't
just
want
any
any
lender.
That
might
you
know
not
be
up
to
par.
So
that's
why
we
said
it
that
way,
and
so
that's
really
going
to
the
web
page,
and
it's
just
one
lender
that
you
would
need
to
get
a
letter
of
denial.
I
will
say
one
of
the
things
is:
we
are
not
based
on
credit.
J
J
E
My
only
concern
is-
and
I
understand
we
are
saying
you
know-
age,
55
plus
or
fixed
income
as
primary.
So
those
are
some
exclusions,
but
I
do
worry
about
that
group
and
even
some
of
the
younger
groups
and
of
our
minority
population,
of
the
access
to
the
internet
number
one
and
just
the
understanding
of
the
internet.
So
just
kind
of
some
concerns
I
have
is.
I
understand
that
it's
hard
for
staff
to
walk
through,
but
I
also
feel
that
that's
part
of
as
hra
that's
part
of
what
we
need.
E
E
F
B
Oh,
I
was
just
gonna
comment
that
I
was
assuming.
We
would
begin
to
kind
of
step
through
each
and
that
would
allow
us
to
get
more
specific
in
our
questions
rather
than
the
overview
questions,
and
I
I
think
what's
difficult
here
is:
if
we
change
one
thing
it
impacts,
I
mean
this
is
a
package
of
things
that
people
have
to
qualify
for
for
qualifying,
and
so
each
one
we
can
discuss
each
one
and
come
up
with
a
number.
B
D
So,
in
addition
to
people
who
are
family
households
who
are
are
bigger
than
that,
what
your
your
question
is
very
important.
I
think
and
then
going
the
other
way.
What
does
it
end
up
meaning?
So
if
we
have
somebody
moving
into,
for
example,
is
it
lindell
flats?
We
call
it
on
lindell
yeah
by
the
dairy
queen.
D
But
in
my
mind
I
have
to
start
thinking
about
the
fact
that
the
benchmark
is
a
chosen
point
to
give
a
rough
idea,
which
is
important,
but
it
is
taught
it
is
making
an
assumption
of
a
family
of
four
and
and
that's
obviously
not
the
norm.
So
anyway.
That's
all
I
needed
to
say,
and
now
we
need
to
go
on
to
what
you're
talking
about
well.
F
Thank
you,
commissioner
olson,
but
I
do
want
to
respond.
Yes,
it's
a
benchmark
for
a
family
of
four,
which
you
know
you
can
break
down
by
race
and
ethnicity
that
some
for
some
races
and
ethnicities
that
works
and
for
some
it's
too
small
right.
However,
lindell
flats,
I
don't
believe
that
they
are
adjusting
for
household
size.
F
So
that
would
be
something
that,
when
we
say
the
benchmark
family
of
four,
there
is
still
opportunity
and
option
in
each
agreement
whether
it
is
a
rental
agreement,
a
development
agreement,
a
home
improvement
program
to
decide
if
you
want
to
adjust
for
household
size,
adjusting
for
household
size
and
not
adjusting
for
household
size,
both
have
pros
and
cons
in
adjusting
for
household
size.
The
pro
is
is
that
when
you
have
a
larger
family,
you
are
you
don't
just
have
that
benchmark
of
what
80
percent
ami
is.
F
The
con
of
that
is,
if
you
have
a
80
percent
household,
that
it's
two
people
and
they're
earning
about
eighty
thousand
dollars
combined
because
you're
adjusting
for
household
size,
you
just
cut
them
out
and
they
are
exceeding
80
ami.
So
that's
the
difference
and
you
have
the
option
here
to
adjust
for
household
size
or
not
to
adjust
for
household
size.
F
A
B
Another
situation
which
I
I
had
a
question
on
this
a
year
or
two
ago,
let's
say
a
person-
has
a
roommate
and
they're
doing
the
roommate,
because
they
need
the
extra
income
to
just
keep
up
on
the
basics
on
the
home.
Let's
see
that
roommate
does
better
than
them,
and
then
you
know
it's
sort
of
like
so
roommate
is
considered
a
member
of
the
household
correct,
yet
they
have
no
attachments
to
the
home.
They
have
nothing
to
gain
by
the
improvement,
well,
financially
or
anything,
and
no
obligations.
B
F
Correct
it
is
the
other
side
in
considering
household
size,
as
well
as
any
most
government
assistance
programs,
whether
whether
it's
home
ownership
or
not,
wants
the
income
of
the
household,
which
is
why
they
change
from
family
to
household.
They
want
the
income
of
the
household.
And
so,
if
you
do
have
a
roommate
situation,
it'll
be
used
one
of
two
ways:
you
will
either
count
the
roommate's
income
towards
your
household
income
or
you
will
have
to
count
the
roommate's
portion
of
payments
as
your
income.
D
A
F
That
is
something
that
we
don't
call
out
specifically
now,
so
that
would
be
a
combined
cap
of
50
000
in
those
loans
and
then
in
terms
of
help,
in
speaking
with
environmental,
health
building
inspections
and
our
dedicated
rehab
staff,
we
have
found
that
2
500
is
not
enough
to
even
cover
a
furnace
and
so
proposing
raising
that
to
seventy
five
hundred
dollars.
Are
there
any
comments,
discussions
or
questions
on
that.
B
B
Is
there
a
way
to
ensure
that
you
know
our
accessibility
improvements
defined
and
is
the
need
the
need
for
those
accessibility,
improvements,
something
that
we
can
track,
and
I
always
try
to
think
about
if
somebody
finds
a
loophole
and
decides
to
call
something
an
accessibility
improvement,
but
really
they
want
to
build
a
new
deck
or
whatever?
You
know,
I'm
not
quite
sure,
but.
F
Yes,
so
thank
you,
commissioner
thorson
for
your
question.
Very
simply
in
the
very
detailed
manual
being
proposed,
accessibility
improvements
would
be
called
out
and
laid
out
as
to
what
those
are
also.
There
are
inspections
of
the
work,
the
scope
of
work.
Currently,
the
program,
the
scope
of
work
is
written
up
by
staff.
F
B
Thank
you
and
then
who
would
determine
who
is
eligible
for
those?
In
other
words,
are
there
accessibility
improvements
that
someone
could
make,
but
not
really
have
the
the
need?
I
don't.
I
don't
think
I'm
quite
asking
this
right,
but
again
looking
for
someone
to
have
a
loophole
and
say
well,
I
consider
this
part
in
accessibility
improvement.
I
put
a
sliding
glass
door
in
and
I
don't
want
that
to
come
towards
my
forty
thousand
dollars.
F
F
F
Forgiving
help
is
an
acronym
for
housing
and
environmental
loan
program.
Thank
you,
housing,
environmental
loan
program,
but
the
term
the
acronym
is
help,
and
so
part
of
part
of
that
is
looking
at
that
and
saying.
Well,
if
we're
offering
help,
why
are
we
charging
interest
and
why
are
we
not
forgiving
it?
This
is
all
negotiable.
This
is
all
discussion
any,
and
all
of
this
can
be
changed
based
on
what
the
board
would
like.
This
is
just
information
that
I'm
bringing
forward,
so
we
can
discuss
any
and
all
of
that.
B
A
F
We
actually
stay
at
100
for
neighborhood,
I'm
just
asking
that
we
put
in
an
additional
step
for
people
over
80
percent
ami
up
to
100
ami
that
they
would
have
to
have
proof
of
a
denial
just
one
denial
from
a
minnesota
housing
network
lender
and
then
for
help.
I
am
also
proposing
that
we
drop
that
down
to
80
ami
just
because
it
should
it's
going
to
be
forgiven
and
they
shouldn't
have
another
option
to
assist
with
the
need
that
they
have.
J
E
E
So
I
just
kind
of
want
to
open
that
for
a
little
bit
of
discussion
of
how
we
feel
about
that
because,
like
I
said
it,
is
they
in
order
to
do
that,
like
you
had
said
that
they
will
pull
credit,
and
I
know
for
a
lot
of
people
that
is
a
big
deal
and
it
should
be
getting
your
credit
pulled
is,
is
a
big
deal
so
just
kind
of
want
to
open
that
up
for
discussion?
It's
a
it
is
a
concern
of
mine,
I'm
going
to
put
that
out
there.
Obviously
thank
you.
A
Okay,
are
there?
Are
there
comments?
It's
a
valid,
valid
comment
that
commissioner
junkie
has
made
when
I
look
at
that,
and
I
understand
what
you're
saying
about
the
credit.
I
do
understand,
however,
with
that
81
to
100
ami
to
me
that
to
me
that
is,
I
want
to
call
it
a
transparency
that
we
are
serving
those
people
that
are
low
to
moderate
income
and
you're
right,
81
percent.
A
If
they
have
10
people
living
in
their
house
they're,
obviously
not
you
know,
80
000
isn't
very
much,
but
I
think
it's
somewhat
necessary
in
a
program
to
at
least
have
some
kind
of
a
guideline
saying.
If
you
make
more
than
this,
then
we
need-
and
I
hate
to
say
we
need
proof
that
you
know
you
need
our
help,
but
I
think
in
some
ways
that
offers
some
transparency
that
someone
at
100
percent
ami
may
still
need
help,
but
there's
a
way
to
say.
Well,
why
did
you
do
that?
A
Why
did
you
give
them
the
loan
and
it's
like?
Well,
we
have
a
process
and
they
qualified
based
on
this.
So
for
me
I
could
see
that,
but
I
understand
what
you're
saying
too,
that's
very
valid,
but
I
feel
like
we
need
some
kind
of
a
process
to
not
saying
that
people
are
going
to
run
out
there
and
want
the
money
have
enough
money
already,
but
it
happens
so.
A
F
So
it's
a
little
bit
of
a
gray
area.
I
wanted
to
try
and
put
wiggle
room,
but
I
do
hear
your
concerns
and
comments
about
adjusting
for
household
size.
I
just
want
to
be
clear
that
that
has
its
pros
and
it
has
its
cons,
and
I
am
not
proposing
it.
So
that
is
something
I
want
to
just
put
out
there
to
make
sure
that
the
board
is
discussing
that
piece
to
look
at
that.
Okay,.
B
Just
a
quick
comment
on
the
part
of
me
says
that
those
between
80
and
100
percent,
so
that
in
theory,
they're
they're,
more
capable
of
of
going
outside
the
program,
achieves
an
objective
of
of
using
our
funds
for
those
that
most
need
it.
And
then,
if
they
get
the
denial,
then
it's
appropriate.
So
there's
a
part
of
that
that
I,
like
I'm
just
I
share
the
same
level
of
discomfort
with
commissioner
who
game
and
wish
there
could
be
maybe
some
other
way
to
to
screen
the
need.
B
That
may
not
be
the
case,
but
I
can
see
when
we
want
to
utilize
our
budget
as
well
as
we
can.
Although,
if
I
understand
correctly,
we
have
had
enough
budget
in
the
past,
we
haven't
turned
anyone
away,
even
under
our
very
generous
guidelines,
but
I
so
I
I
see
both
sides
of
that
and
I'm
kind
of
on
the
fence.
K
K
K
So
we
did
a
fair
amount
of
analysis
on
this
specific
issue
of
the
between
the
80
and
100
percent.
It
might
be
helpful
if
I
read
the
definition
of
persons
of
modern
income
and
their
families,
so
this
is
from
subdivision
18
of
the
definitions
in
the
housing
authority
act.
Persons
of
moderate
income
in
their
families
means
persons
and
families
whose
income
is
not
adequate
to
cause
private
enterprise
to
provide
without
governmental
assistance,
a
substantial
supply
of
decent,
safe
and
sanitary
housing
at
rents
or
prices
within
their
financial
means.
K
So
that's
what
we're
trying
to
get
at
here
there.
You
have
the
right
to
set
these
income
limits.
That
is
specifically
given
to
you
in
the
statute,
so
we
just
want
to
make
certain
that
we
are
complying
and
serving
the
households
that
the
statute
directs
us
to
serve.
Is
that
helpful?
Any
other
questions
in.
D
K
This
is
the
minnesota
housing
authority
act
that
administrator
coleman
mentioned
at
the
start
of
her
presentation,
okay
and
in
the
federal,
as
commissioner
coleman
said
in
the
cdbg
program,
for
instance,
they
are
specific
as
to
ami
limits.
The
minnesota
housing
authority
act
is
not
specific.
It
allows
you
to
set
limits,
but
you
need
to
set
limits
within
these
definitions
and
these
parameters
and.
D
K
K
A
F
Right
so
sorry
so
equity
limit.
Currently
we
do
not
have
equity
limits
and
what
an
equity
limit
would
be
is
the
amount
of
equity
a
household
has
in
their
property,
their
primary
residence
that
they
live
in
which
they
would
be
applying
for
a
loan
rehab
loan
for
or
excuse
me
home
improvement
loan
for
what
is
proposed
here
that
is
just
proposed.
You
can
say
you
would
like
it
change
numbers
not
like
it
doesn't
matter
you
it's
up
to.
F
You
is
twenty
percent
equity
or
twenty
thousand
000
of
the
home,
whichever
is
greater
and
that
would
be
for
cdbg
and
neighborhood
and
help
would
not
have
an
equity
limit
because
of
the
nature
of
that
type
of
loan.
So
I'm
not
proposing
to
have
an
equity
limit,
so
20
or
20
000
of
the
home.
Whichever
is
greater,
if
you
have
a
380,
000
property
and
you
have
a
mortgage
on
it,
yet
your
mortgage,
you
have
equity
of
give
or
take
70
or
so
thousand
dollars.
F
You
were
okay,
yes,
so
the
twenty
thousand
dollars
twenty
percent
or
twenty
thousand
dollars,
and
so
basically,
what
that's
really
saying
is:
if
you
have
more
than
twenty
thousand
dollars
of
equity
in
your
home,
you
would
not
qualify,
and
so
that
can
be
changed.
This
is
all
a
discussion
or
we
could
not
have
equity
limit.
We
currently
don't
have
equity
limits.
It's
all
a
discussion.
A
F
F
It
depends
on
somebody's
mortgage,
it
depends
on
their
situation,
they
could
have
multiple
mortgages
on
their
house
and
they
actually
don't
have
that
equity
or
they
could.
There
could
be
all
types
of
different
situations,
but
yes,
essentially
the
way
it's
written.
Twenty
thousand
dollars
would
be
the
cap,
so
it
says
twenty
it
says
twenty
percent.
Sorry,
twenty
thousand
dollars
would
not
be
the
cap,
twenty
percent
or
20
000.
Whichever
is
greater.
A
F
B
Chair
lewis,
I
there's
just
a
part
of
me
that
feels
like
there
are
so
many
different
situations
out
there
that
exist,
that
we
probably
don't
even
completely
understand
where
people
have
needs
and
don't
fit
into
these
tight
little
categories-
and
I
think
part
part
of
me
is
like
the
housing
market
is
crazy
right
now.
For
some
people,
that's
all
they
have.
B
Who
can
maybe
better
afford
it,
and
so
I
think
it
has
a
lot
of
advantages
to
neighborhoods,
not
just
the
individuals,
and
so
but
I,
but
the
main
thing
is
it's
really
hard
for
me
to.
I
can
picture
there's
a
lot
of
homes.
I
live
in
a
very
modest
neighborhood,
but
it
is
on
the
west
side,
so
the
values
are
a
little
bit
higher
than
maybe
an
equivalent
home.
B
But
if
I
picture
somebody
45
maybe
underemployed
and
have
a
need
be
and
they
could
completely
fall
within
the
you
know:
80
percent
ami,
and
yet
they
have
been
there
long
enough.
They
have
some
real
equity
in
the
home
and
they
just
happen
to
be
in
the
neighborhood
that
that
the
value
has
gone
up
quite
a
bit,
and
so
it
you
know
and
that
we
get
into
you
know
the
other
aspects
of
the
program.
B
F
F
F
Those
programs
do
exist.
Are
they
as
easy
to
apply
for
as
being
able
to
contact
hra
staff
on
the
phone?
Maybe
not
because
you're
looking
at
some
larger
organizations,
however,
they
are
available,
and
so
that's
one
thing
that
we
want
to
keep
in
mind
and
consider
that
we're
not
the
only
program
and
we
cannot
serve
everyone
in
bloomington.
A
A
A
This
seems
low
to
me,
but
I
don't
know,
but
maybe
we
can
adjust
it,
but
I
think
it
still
needs
to
be
there.
I
don't
think
I
want
to
go
back
to
there
be
no
limits,
because
I
think
it's
something
here
again
people
you
know
people
will
apply
not
to
try
to
get
free
money,
but
if
a
program
is
available,
they'll
apply,
they
may
qualify
based
on
original
guidelines
and
may
not
be
the
best
recipient
of
that
particular
money.
A
D
Thank
you.
I
want
to
back
up
just
a
little
bit,
and
I
thank
administrator
coleman
for
the
comments
that
you
made
about
the
fact
that
we,
we
are
not
the
only
game
in
town
wrong.
Word
we're
not
the
only
source
of
support
in
in
this
community
kind
of
broadly
defined
and
and
and
part
of
what
we
do
is
to
refer
people
to
other
resources.
D
There's
there's
a
lot
of
what
we
do,
including
in
this
program.
That's
that's
educating
like
financial,
counseling
and
and
and
that
kind
of
thing
so,
but
my
observation
about
this
particular
item
about
the
are
we
on
equity
limit
is-
is
that
I
think
it's
okay
at
this
point
part
of
what
we're
doing
in
a
collection
of
of
all
of
the
information.
That's
in
this
program,
it's
in
the
manual
is
we're
trying
to
communicate
with
some
level
of
concreteness.
D
D
Looking
at
what
our
strategic
plan
should
be
in
the
future,
we've
looked
at
how
we
are
organized
as
as
a
board
and
and
that
kind
of
thing,
and
I
think
that
also
needs
to
be
something
that
we
don't
see
as
being
in
cement,
but
that
we
are
are
adapting
to
factors
that
we've
talked
about.
You
know
like
household
size
and
so
forth.
D
E
C
E
So
I
just
want
to
make
sure
I
want
to
agree
with
chair
the
chair
here
and
and
say
that
I'd
like
that
raised
just
to
kind
of
maybe
catch
some
of
those
people
that
might
be
in
that
little
bit
of
a
gap
that
still
need
our
help,
but
I
guess
I
I
hope
that
makes
sense,
but
I'd
just
like
to.
I
agree
with
raising
it.
F
B
I
just
wanted
again
I
I
think
that
the
fact
that
we
have
to
I
completely
agree
and
I've
said
it
in
past
meetings
when
we
you
know
that
we
need
to
revisit
this
program,
that
we
do
need
to
go
back
to
the
focus
on
the
need,
and
that
includes-
and
I
think,
we're
going
in
the
right
direction
here,
as
well
as
the
kinds
of
things
that
qualify,
because
I
felt
we've
been
overly
generous
and
those
kinds
of
things
as
well.
So
I
think
I
think
this
is
a
great
discussion
in
that
regard.
B
I
C
G
B
F
F
D
Well,
I
I
was
fine
with
the
principle
of
setting
that
and
so-
and
I
you
know,
I
think
part
of
this-
and
I
don't
know
if
this
is
something
we
can
ask
staff
to
do.
But
part
of
what
we're
talking
about
is
in
terms
of
serving
the
people
that
we
are
charged
to
serve
with
is
what
is
the
total
budget
going
to
be
able
to
accomplish?
D
And
so
I
guess
what
it
ends
up.
Meaning
is,
if
we
change
raise
this
up.
Does
that
mean
that
our
our
you
know
the
grants
and
that
kind
of
thing,
because
there's
some
wording
in
in
the
packet
here
that
talks
about
I
there
was
something
I'm
not
sure
which
program
but
first
come
first
serve,
and
it
goes
until
the
money
runs
out.
F
Second
of
all,
we
do
about
70
loans
a
year
with
no
restrictions
outside
of
the
basic
restrictions
identified,
increasing
the
amount
of
the
loan
increasing
the
steps
that
someone
would
have
to
take.
We
are
not
going
to
hit
70
loans
a
year
between
the
the
two
programs-
that's
not
including
help.
We
do
about
70
loans
per
year
between
cdbg
and
neighborhood,
so
one
I
would
not
say
that
necessarily
the
funding
is
more
of
the
concern
because
we're
not
go
when
we
put
in
these
restrictions.
We're
not
gonna
hit
70
loans
right
away.
F
F
Second
of
all,
we
are
increasing
the
amount
that
people
would
be
able
to
apply
for,
and
so
we
do
have
repayments.
So
a
part
of
what
funds,
cdbg
and
neighborhood
are
the
repayments
that
are
coming
in
for
the
multiple
loans
that
staff
has
done
for
so
many
years
now,
so
those
repayments
are
going
back
into
that
program.
Those
programs,
three.
The
last
thing
I
remember
what
I
wanted
to
say
with
commissioner
thorson-
is
that
one
of
the
things
the
curb
appeal
program,
which
was
focused
on
exterior
rehab,
has
been
on
pause
and
neighborhood.
F
You
can
still
do
exterior
improvements
with
neighborhood
and
with
this
program
and
incorporating
everything.
The
only
way
to
get
to
doing
exterior
improvements
is
doing
something
in
the
interior.
So
I
just
wanted
to
clarify
that,
because
when
you
talk
about
basically
pride
of
ownership
and
fixing
up
the
exterior
the
things
that
your
neighbors
can
see,
which
may
spur
them
to
do
it
with
the
way
this
is
set
up,
because
curb
appeal
is
on
pause
and
now
kind
of
rolled
in.
F
B
A
It's
beyond
curb
appeal,
really.
I
I
would
like
to
make
actually
comment
on
what
commissioner
olson
mentioned
about
reviewing
every
two
years
program.
I
could
see
with
the
changes
that
we're
suggesting
for
myself.
I
feel
like
it's.
I
think
this
is
a
good
thing
to
do
and
I
think
we
need
to
move
forward
rather
than
reviewing
and
reviewing,
because
there
will
be
things
that
we're
going
to
have
questions
about
that.
Just
not
going
to
be
cleared
up
tonight.
A
That's
why,
rather
than
maybe
a
two-year
review,
maybe
after
a
year
we
go
back
and
look
at
the
program.
Did
it
work
because,
right
now
we
are
making
assumptions.
It's
like.
Okay,
if
we,
you
know,
equity
limits.
That
kind
of
thing
we
don't
know
for
sure
it
seems
like
a
lot
of
these
things
seem
like
good
ideas,
and
I
would
that
would
be
something
that
I
would
recommend
two
years
is
great,
but
I
think
when
you're
putting
a
new
kind
of
pro,
it's
not
a
new
program
but
a
remodeled
program.
A
B
We
have
an
amendment
well
lewis,
I
I
guess
I
was
assuming
that
every
year,
when
we
renewed
this
program,
we
would
have
a
discussion
about
the
program
guidelines
and
how
they
worked
the
previous
year
and
how
many
loans
we
got
and
how
related
to
the
the
budget
we
have.
So
it
seems
like
an
appropriate
time.
Each
year
you.
F
F
So
so,
thank
you,
chair
coleman.
Thank
you,
chair
lewis,
I
would
say
in
the
past
you
may
not
have
formally
reviewed
the
program,
but
you
have
received
updates
about
the
goals
that
have
been
set,
that
you
approved
and
and
how
those
were
attained.
So
you
were
hearing
at
least
like
yep.
We
were
doing
70
loans
and
you
were
hearing
information
about
the
program
on
an
annual
basis.
I
Chair
lewis
and
commissioners
that
may
follow
up
on
administrator
coleman's
comments.
Yes,
the
programs,
particularly
the
cdbg
program,
is
brought
forward
in
the
past
every
year
to
you
for
approval
the
program
guidelines
and
then
also
to
counsel
for
approval
every
year,
usually
in
this
this
december
time
frame,
you
may
not,
you
know,
we'll
give
you
a
program
update
at
that
time.
We
haven't
proposed
significant
changes
to
that
program
for
many
years
other
than
maybe
adjusting
the
interest
rate.
So
that
may
be
why.
D
F
The
audit
is
of
financial
programs
and
funding
the
hra
as
a
separate
entity.
We
do
participate
in
the
audit.
You
did
get
the
report
from
the
independent
auditor
earlier
this
year.
It's
gone
by
kind
of
fast,
yes
or
april.
Thank
you.
So
you
do
have
that
and
then
cdbg
is
actually
money
that
comes
to
the
city
and
we
administer
it.
The
hra
administers
that
program,
so
that
is
audited
under
that
yes,
and
then
we
have
a
separate
audit
as
an
hra.
Considering
we're
a
separate
entity.
F
I
Yes,
just
to
qualify
that,
yes,
we
do
participate
in
the
audit
that
the
city
does.
The
hra
has
a
what
we
call
a
single
audit
for
the
federal
programs
that
we
administer
and
then
those
pre,
the
audits,
usually
completed
in
april
time
frame
and
usually
the
presentation
to
the
board,
is
sometime
in
june
or
july.
B
B
Are
you
looking
at
no
yeah?
I
didn't
want
to
go
on
to
that,
because
that's
not
what
we're
talking
about.
So
I
guess
that's
kind
of
my
thought
on
on
that
is
raise
it
a
little
bit,
we've
been
quite
generous
and
for
the
past
six
years
and
we've
apparently
everyone
who's
applied
for
a
loan.
We
had
the
budget
for
it.
This
is
a
self
sustaining
programs
in
some
ways,
the
budgets.
B
You
know
the
money's
coming
back
to
to
do
the
loans,
so
I
don't
think
we
need
to
do,
and
I
realize
we're
not
doing
it
for
budget
we're
not
putting
these
parameters
on
for
budgetary
reasons,
we're
doing
it
to
make
sure
we
serve
the
right
populations
and
and
again
right
now
I
would
say
30.
It
depends
on
where
we
end
up
on
some
of
the
other
things
on
the
page.
F
D
Jerry,
I
think,
I'm
hearing
a
30
concession
based
on
some
little
comments
here
and
one
of
the
things
that
makes
me
comfortable
with
with
raising
a
bit
is
that
built
into?
I
think
all
of
these
categories
is
that
there's
accountability,
in
other
words,
there's
inspections
that
are
going
on
and
and
that
kind
of
thing,
so
it's
not
like
there's
going
to
be
we're,
giving
them
the
keys
to
the
bank
and
they
could
go
in
for
whatever.
A
D
A
E
F
F
I
want
to
sorry
chair
lewis:
I
want
to
jump
really
quick
just
to
the
home
the
value
limit,
because
we
don't
currently
have
a
value
limit
and
the
reason
this
is
in
the
chart.
This
way
is
because
in
discussion
with
not
only
hra
rehab
dedicated
staff,
but
also
the
city
assessor,
also
environmental
health.
F
This
has
come
back
and
forth
that
the
assessor
the
city
assessor
has
proposed.
There
should
be
some
type
of
limit,
and
so
I
had
mentioned
well,
we
can
do
value
limit
or
we
can
do
equity
limit,
and
I
want
to
be
clear:
I'm
not
proposing
both
I'm
proposing
or-
and
so,
if
you
do,
the
median
home
value
limit
by
city
assessor.
F
B
And
that
if
we
were
to
go
simply
with
an
equity
limit,
which
I
think
makes
sense
because
there's
some
kind
of
indication
whatever
that
number
we
come
up
with
in
the
end,
that
gives
a
sense
of
how
much
available
they
might
have
to
do
this
on
their
own,
whether
it's
hard
to
get
or
not,
is
a
different
thing,
but
they
have.
They
have
equity
without
the
value
limit,
and
I
get
none
of
us
really.
I
mean
I
don't
none
of
us.
B
I
I
don't
think
want
to
give
loans
to
million
dollar
houses,
but
not
if
we're
getting
the
either
or
makes
me
much
more
comfortable,
and
I
think
it
makes
it
easier
to.
I
think,
tweak
this
program
come
up
with
a
number
for
the
equity
limit,
tweak
it
in
the
future.
If
we
need
to,
if
we're
seeing
that
you
know
we're
still
either
serving
people
where
shouldn't
be
or
not
serving
people,
we
should
be
so.
B
E
J
F
Yep
we
can
well
first
off.
Let
me
just
equity
match
so
since
we've
talked
about
equity,
there
currently
is
an
equity
match
in
the
programs
that
says,
if
you
want
the
minimum
loan
amount
you
want
to
borrow.
You
need
to
at
least
have
that
and
equity
in
your
home,
with
what
I'm
proposing
with
an
equity
limit,
I'm
saying:
remove
equity
match
all
together.
F
F
F
So
take
me,
for
instance,
I
have
two
vehicles,
but
I
also
have
a
19
year
old,
he's
technically
an
adult,
so
that
would
exclude
the
two
vehicles
from
the
asset
limits.
So
the
50
000
would
be
looking
at
like
liquidated.
What
do
you
have
in
your
bank
account?
What
do
you
have
in
savings?
What
do
you
have
that
you
can
get
to
that's
what
this
asset
limit
is
referring
to
so
I'd
like
to
discuss
that.
B
Mr
lewis,
will
not
so
not
retirement
accounts,
obviously
not
that
future
savings
nope
I
mean
I
want
to
get
at
again
making
sure
that
people
have
the
the
ability
to
pay
pay
and
trying
to
think
of
situations
where
somebody
might
have
more
than
fifty
thousand
dollars
in
assets
and
which,
which
again
feels
low,
but
also
sounds
to
me
pretty
good.
If
you
have
that
kind
of
money
sitting
around.
So
you
know
how
about
how
about
a
savings
for
education
for
your
child?
B
B
F
So
because
usually
savings
accounts
outside
of
the
city
of
st
paul
having
the
the
one
for
children
or
the
at
the
state
level.
There's
a
first-time
homebuyer
savings
account
that
a
lot
of
people
don't
know
about
just
yet,
but
the
phrase
or
the
excuse
me,
the
explanation
would
be
gross
assets
must
not
exceed
fifty
thousand
dollars,
which
excludes
one
automobile
per
adult
that
permanently
resides
in
the
home.
F
It
does
not
include
balances
of
401k
funds,
pensions
or
other
deferred
compensation
funds,
income
received
in
the
form
of
disbursements
from
401k
funds,
pensions
or
other
deferred
compensation
funds
does
count
towards
annual
household
income.
However,
so
technically
usually,
you
would
use
a
money
market
or
certificate
of
deposit
for
education
account
for
a
child,
and
so
yes,
that
would
be
a
part
of
that
included
in
the
assets.
B
And
and
there's
excuse
me
cheerleaders,
there
certainly
is
a
part
of
me
that
believes
that
if
you
can
that,
if
you
can,
you
know
afford
to
have
those
accounts.
I
mean
there's
a
part
of
me.
That
says:
well,
that's
good,
but
you
know
you
also
should
be
able
to
have
the
assets
to
care
for
your
home.
So
I'm
not
highly.
You
know
I
I'm
again.
I
worry
about.
Is
this
the
right
number.
H
E
Which
we
didn't
have
in
the
who
came.
Thank
you,
madam
chair.
I'm
really
torn
on
this
and
the
reason
I
say
that
is
I'll,
be
personal
here
in
the
fact
that,
like
I
have
a
cd
and
it
was
gifted
to
me
from
a
deceased
family
member,
and
that
is
used
it's
I
mean
it's,
my
cd,
okay,
it's
in
my
name.
It's
just
money
that
was
given
to
me
after
a
death,
and
so
that's
there.
E
As
my
cushion
like
that's
my
cushion
in
life,
not
that
I
don't
have
other
questions,
but
I'm
just
saying
that
there
are
those
situations
where
this
is
maybe
money
that
like
to
to
just
go
off
of
it's,
not
necessarily
something
that
they've,
you
know
saved
themselves
or
had
the
opportunity
to
put
into
account,
like
maybe
somebody
else,
gifted
that
money
and
I'm
not
saying
that
we
have
we're,
should
be
getting
into
these
nitty-gritties.
But
again
it
goes
to
this
whole.
E
This
is
a
really
hard
process,
because
there's
so
many
situations
and
we're
not
going
to
know
everybody's
story
true
so,
but
I'm
torn
at
fifty
thousand
dollars
and
the
only
reason
is,
I
think,
that's
a
fair
cushion
for
people.
I
think
that
were
the
biggest
thing
is
that
you
know
we.
We
support
that
as
well.
E
In
our
program
is
we
need
to
support
people
saving
that
money,
especially
people
in
need
just
because
just
because
they're
in
need
doesn't
mean
they
don't
have
a
savings,
they
may
be
putting
a
ton
of
money
away
to
you
know
for
the
that
rainy
day
we
don't
know
what
their
situations
are.
So
you
know
whether
a
surgery
is
coming
up
or
something
like
that.
They
may
have
that
money
in
there
that
they've
been
working
really
hard
for,
and
is
it
for
us
to
judge
them.
Based
on
that,
I'm
just
I'm
struggling
with
that.
E
I
have
to
be
honest,
I'm
I
understand
what
we're
trying
to
do
completely
and
I
know
the
community
we're
trying
to
serve,
but
that
doesn't
mean
that
the
community
we're
trying
to
serve
might
not
have
fifty
thousand
dollars.
You
know
in
a
money
market
or
something
like
that,
and
then
I
look
at
life
insurance
and
a
lot
of
companies
pay
for
a
life
insurance
for
somebody.
E
So
is
that
going
to
be
the
same
as
a
life
insurance
that
we,
you
know,
because
that's
technically
in
their
name
and
depending
on
how
the
company
has
as
someone
who's
been
in
hr
and
how
the
company
has
those
policies
written,
some
of
them
are
just
in
that
person's
name.
They
just
take.
You
know
a
little
bit
of
money
out
of
the
paycheck
and
they
have
a
life
insurance
policy.
So
I
just
want
to
some
clarification.
I
guess
on
those
type.
F
J
A
F
Whole
life,
I
was
going
to
say
if
we
can
make
a
distinction
and
say
whole
life
insurance,
because
it
is
term
insurance
that
if
you
leave
the
job,
you
don't
get
the
insurance
you've
paid
the
money
in
and
it's
just
gone.
But
back
to
your
initial
comment.
So
it's
it
may
be
splitting
hairs.
But
if
you
are
a
homeowner
and
you
have
work
that
you
need
to
do
on
your
house,
whether
for
health
life
safety
reasons
or
for
cosmetic
or
whatever,
it's
going
to
increase
the
value.
F
F
Maybe
I
can
tap
into
that
and
not
take
out
a
loan
and
it's
going
to
increase
my
home
value.
Therefore,
increasing
my
equity-
and
I
don't
need
this
loan
from
bloomington
hra
or
I
can
look
at
other
options
with
minnesota
housing
with
cee
with
hennepin
county
and
maybe
there's
some
grants
in
there.
That
could
help
me
so
yeah
it
it's
it's
a
balance,
it's
one
of
those
things,
but
it's
very
hard.
It's
a
lot
of
decision
making
and
a
lot
of
a
lot
of
things
to
think
about.
F
But
if
we
were
to
say
65
000,
then
I
think
that
addresses
when
you,
first
of
all,
when
you
look
at
the
average
net
worth
depending
on
age,
race
and
or
ethnicity,
you
can
you
know
we're
talking
about
bloomington
here
we
have
a
very
low
homeownership
rate
for
people
of
color,
especially
black
people
or
indigenous
right.
So
really,
at
this
point
we
are
talking
about
the
average
white
american
that
owns
their
home
in
bloomington.
F
I
A
See
how
many
people
were
dying?
No,
okay
and-
and
I
would
like
to
say
again
for
transparency-
we
have
a
plan
that
we
want
to
serve
a
particular
group
and
I
think
then,
having
that
limit
fifty
thousand
dollars.
It's
probably
reasonable,
commissioner,
who
came
it's
correct,
they're,
going
to
be
things
that
are
going
to
be
missed.
A
J
A
I
keep
saying
transparency,
but
when
someone
looks
at
a
plan
a
program
you
know
and
it's
someone
would
come
up
and
say:
well,
sixty
five
thousand
dollars.
If
we
increased
it,
someone
could
up
and
say
sixty
five
thousand
dollars,
I'm
lucky.
If
I
have
twenty,
you
know
ten
thousand
dollars.
This
plan
is
for
somebody
way
richer
than
I
am
so
I
kind
of
see
the
transparency
thing.
E
A
F
F
D
Thank
you.
I
I
believe
that
the
the
discussion
that
got
in
a
little
bit
to
the
perception
of
how
other
people
perceive
this
program
and
fifty
thousand
dollars
and
sixty
five
thousand
dollars
or
whatever
the
amount,
if,
if,
if
there's
a
perception
that
that
wow,
that's
that's,
really
generous
or
something
like
that,
then
it
ends
up,
perhaps
eroding
not
necessarily
appropriately
with
an
education
and
understanding.
That's
real,
but
actually
in
a
way,
contributes
toward
people
getting
a
hand
up.
D
Looking
at
the
data
that
that
we
come
up
with
and
the
stories
I
mean,
the
anecdotal
kinds
of
things
are
are
anecdotal,
but
they
might
if,
if
they
are
understood
to
be
kind
of
a
a
more
common
thing
rather
than
an
outlier,
that
would
be
helpful.
I
do
want
to
say
that,
on
the
we
haven't
talked
about
the
one
vehicle
per
adult
much,
but
I
like
that.
I
think
it's
very.
D
Appropriate
in
terms
of
why,
because
we
are
a
society
that
is
no
longer
one
breadwinner
in
the
home
and
sometimes
it's
even
beyond
a
spouse
or
a
similar
kind
of
arrangement,
and
so
with
different
schedules
of
I
mean
we,
we
have
people
working
24
hours
a
day.
You
know
and
not
individuals,
but
there's
a
work
schedule
for
somebody,
and
so
a
household
may
end
up
having
people
that
need
that
vehicle
because
they
need
to
leave
an
hour
before
the
person
comes
home
with
the
vehicle
from
their
job.
D
So
I
I'm
very
supportive
of
that,
but
I
want
to
as
we
go
through
this
process.
I
I
for
one
have
kind
of
moved
into
the
direction
of
saying
you
know
we're
going
to
take
a
pretty
good
stab
at
this
without
getting
the
perfect
number,
but
with
the
idea
that
we
will,
we
were
are
intentional
in
terms
of
gathering
information.
H
F
So
what
I'm
hearing
and
some
follow
real,
quick?
What
I'm
hearing
is
in
terms
of
changes
to
what
is
proposed
currently
up
on
the
screen
that
the
equity
limit
be
at
thirty
percent
equity
or
thirty
thousand
dollars
of
the
home.
Whichever
is
greater
the
asset
limit,
we
leave
at
fifty
thousand
dollars
for
now.
Okay,
including
excluding
deferred
compensation
in
one
vehicle
per
adult
and
clarifying
whole
life
insurance.
H
B
F
F
Why
are
we
looking
at
how
much
equity
you
have
to
determine
if
we're
gonna
loan
it
to
you?
So
if
you
had
two
hundred
thousand
dollars
of
equity
great,
you
wanted
thirty.
Five
thousand,
you
get
thirty
five
thousand
with
your
two
hundred
thousand
dollars
of
equity,
which
why
didn't
you
just
pull
thirty
five
thousand
dollars
out
of
your
two
hundred
thousand.
I
You
know
the
equity
mattress
are
one
piece
of
underwriting
that
we
did
when
we
stopped
doing
credit
reports
years
and
years
ago,
that
sort
of
thing-
and
it
was
seen
as
a
way
for
us
to
secure
that
loan,
but
it
did
as
administrate
coleman
stop
people
from
completing
all
the
work
they
wanted
to
do.
For
example,
if
they
came
in
and
had
only
ten
thousand
dollars
worth
of
equity
in
their
home,
but
they
had
a
thirty
thousand
dollar
project.
We
would
cap
that
project
at
10.
D
J
F
F
F
F
Help
is
pretty
much
the
same
way
right
now
right,
okay,
so
what
I
am
proposing
is
one
we
keep
them
combined.
We
work
on
our
language
and
we
just
we
call
them
the
home
improvement
loan
program.
We
don't
start
to
use
cdbg
or
neighborhood
or
call
that
out
differently.
However,
we
do
call
out
help
differently,
because
help
is
not
a
combined
application
anymore.
It
must
be
a
referral
by
building
inspections
or
environmental
health,
or
you
are
contacting
the
hra
with
proof
of
a
red,
flagged
heating
and
or
electrical
system
by
a
utility
company.
B
And
I
appreciate
it,
you
know
like
the
red
flag.
Actually,
when
I
was
just
a
young
person
very
first
day
we
were
in
our
house
in
february.
Our
furnace
was
red
flag,
it
was
not
starting,
and
that
was
a
major
impact
and
we
managed
to
make
it
work,
but
you
know
even
back
then
twenty
five
hundred
dollars
would
have
covered
those
kinds
of
things.
So
I
I
I
think
it
makes
sense
for
that
health
program
to
be
raised
to
the
amount
you
suggested.
A
F
That's
not
money
coming
back
in
and
help
currently
comes
out
of
the
neighborhood
program.
So
what
I
would
want
to
look
at
because
I
don't
know
how
we
are
now
and
or
so
late
in
the
year
is
just
making
sure
that
there's
a
dedicated
amount
every
year
towards
help
and
to
assess
and
look
at
you
know
how
is
that
being
used
and
what
not?
Because
we
want
to
make
sure
that
we
have
the
funding
for
the
program.
But
we
also
want
to
track
and
see.
You
know.
F
B
F
G
A
F
B
B
J
A
E
F
E
F
E
Look
at
that
refines
it
because
that
might
catch
some
of
those
that
we
are
really
trying
to
serve
because
they
have
a
bigger
household
size
and
they
just
might
be
on
that
borderline.
You
know,
like
you
said:
81
percent
is
not
a
lot.
If
you
have
you
know,
let's
say
six
people
in
your
house,
I
mean
and
that's.
F
So
then,
I
have
another
question
so
so
81
to
100
ami
adjusted
for
household
size,
then
do
you
want
to
do
a
proof
of
so
say
they
actually
are
over
80
at
that
point,
once
you
adjust
for
household
size,
do
you
still
want
a
proof
of
denial
for
minnesota
housing?
Are
you
just
going
to
say
no
because
they're,
a
bigger
household
they're,
fine,
like
what
were
you
thinking
about?
That's
part
of
it?
That's.
E
D
F
We,
I
thought
it
was
too
difficult
to
adjust
for
household
size,
mind
you.
That
was
when
I
had
outside
administrators
and
require
additional
paperwork,
and
I
had
a
set
fee
that
they
were
going
to
get
per
closed
loan,
and
so
I
did
not
adjust
for
household
size.
I
used
minnesota
housing,
no
matter
how
big
their
household
was.
F
D
D
So
in
terms
of
the
process,
and
you
you
mentioned
administrator
coleman-
that
you
would
be
putting
together
pulling
together
the
the
consensuses
and
votes
or
whatever
about
what
we've
talked
about
tonight
and
then
that's
what
we
would
vote
on
and
presumably
at
the
next
meeting.
If
that's
a
fair
enough
time
for
you.
D
We
are
doing
what
we
are
charged
to
do
and
that
is
helping
out
the
people
who
are
most
in
need
in
a
way
that's
fair
and
understandable,
hopefully
to
the
the
community-
and
you
know,
and
in
the
community,
because
we're
talking
about
some
local
funds
and
that
kind
of
thing
hopefully
is
following
this
complex
process.
I
mean
we
really
went
into
the
weeds.
In
a
sense,
I
don't
like
that
terminology.
D
We
went
into
the
field
of
grain
to
find
out
what
was
there
and
and
what
we're
finding
is
that
there
are
kernels
of
truth
here
and
kernels
of
truth
there
and
I'm
going
to
leave
the
analogy
at
that
point.
But
I
I
think
I
I
feel
good
about
what
we've
accomplished
in
the
process,
including
especially
tonight,
look
forward
to
reading
the
packet
that
comes
from
what
you've
you
said
and
I'm
also
very
pleased
and
comforted.
D
I
guess
there's
a
word
to
know
that
that
we're
going
to
be
as
an
organization
reviewing
this
periodically
and
and
gathering
data
that
can
inform
us
well
in
terms
of
making
adjustments
down
the
road.
So
I'm
I'm
I'm
ready
to.
I
know
there's
no
formal
action
but
other
than
to
maybe
move
on
to
the
next
agenda.
A
F
B
E
E
And
I
want
to
say
that
I
very
I
was
very
excited
to
see
that
equity
match
taken
out.
I
actually
have
neighbors
directly
that
have
been
impacted
by
that,
because
they're
newer
home
buyers,
so
they
don't
have
the
equity,
but
they
were
they
bought
what
they
could
afford
and
there's
still
work.
That
needs
to
be
done
on
the
house.
So
I
think
that
that's
a
really
that
really
is
gonna
get
into
those
groups
that
are
in
need
too.
A
A
F
F
They
have
changed
that
slightly
and
they
just
advertised
two
seats
for
our
board,
but
there
was
no
advertisement
that
there's
two
seats
and
one
is
currently
filled
by
a
council
member
and
it
may
be
refilled
by
a
council
member.
So
I
I
bring
this
back
because
we
haven't
actually
told
residents
what
we're
doing,
and
I
know
that,
according
to
our
bylaws,
it
is
the
mayor
that
appoints
with
the
approval
of
the
city
council.
F
However,
a
council
member
is
an
elected
official
whose
term
does
not
run
the
same
term
of
our
board
and
we
do
need
council
member
input
and
participation.
That
is
very
valuable.
I'm
not
saying
that
we
don't
need
that.
But
does
the
council
member
need
to
be
a
voting
member
of
the
hra
board
and
in
turn,
vote
on
the
council
on
a
lot
of
the
same
items
as
well?
F
F
So
that's
where
this
discussion
is
coming
from
and
then
ms
peterson
is
here
in
terms
of
the
process
and
time
frame
to,
if
you
so
choose,
to
increase
the
board
to
seven
members
to
seven
commissioners.
Excuse
me
how
to
go
about
that
process
and
getting
that
legislation,
as
well
as
the
requirement
that,
once
we
increase
the
seven,
which
is
not
a
problem
that
one
commissioner
must
always
be
a
participant
of
our
programs.
F
A
A
A
A
H
A
However,
it
does
bother
me
a
little
bit
that
that's
like
a
person
who
has
two
votes,
a
vote
on
the
board
and
then
a
voted
council.
So
they
already
do
have
a
vote
and
I'm
not
trying
to
be
petty
with
this,
but
they
do
have
a
vote.
We
also,
they
also
are
paid
by
the
city
to
be
on
the
city
council
and
they
would
be
getting
monetary
payment
for
being
on
the
hra.
A
Obviously,
it's
just
a
permitting
thing,
but
two
votes
paid
for
both
and,
like
I
said
I
don't
mean
to
be
sound,
petty.
I
know
there
if
there
are
council
members
watching
me
tonight,
honestly,
I'm
not
going
after
the
council,
but
that
are
some
of
the
feelings
that
I
have
when
we
have
a
council
member
on
the
as
a
voting
member
on
the
board.
D
I
think
that
the
the
role
the
importance
of
hra
has
increased
considerably
in
importance
in
recent
years,
with
both
the
growing
awareness
and
the
growing
reality
of
homeless
people,
but
also
people
who
are
struggling
to
find
housing
because
of
the
shortage
and
find
housing
that
fits
into.
I
think
the
formula
of
going
back
to
when
I
was
in
junior
high
was
that
the
30
of
your
your
your
budget,
your
income,
should
be
a
kind
of
a
guideline
for
housing.
I
don't
know
if
that's
still
true,
but
the
bottom
line
is
right.
D
In
that
situation,
not
a
one
of
us
is
experiencing
with
any
any
depth
the
reality
that
the
people
that
we
are
asked
charged
with
helping
out,
and
I've
also
said
that
there's
some
issues
about
that
in
terms
of
their
availability,
that
they
have
not
perhaps
had
experience
in
this
kind
of
thing,
and
so
we
need
to
have,
in
my
view,
a
mentor
kind
of
program
or
something
like
that.
That
will
help
us
get
people
who
are
interested
and
and
assist
them
in
being
available
and
and
bringing
them
up
to
speed.
D
D
They
don't
have
the
luxury
that
I
have
had,
for
example,
of
volunteering
to
to
be
on
this
board,
but
also
to
go
to
in
you
know,
going
to
various
sources
of
of
information.
You
know
like
the
urban
land
institute,
conferences
and
american
planning
association,
conferences
and
so
forth.
So
so
I'm
I'm
a
strong
advocate
for
moving
to
to
seven
and
that's
going
to
be
a
process.
D
H
D
Right
and
I-
and
I
think
that
that
having
a
liaison
as
opposed
to
a
voting
double
vote
in
a
sense
situation
that
that
we
that
we,
we
need
to
to
end
up
having
their
information
kind
of
like
what
council
peterson
is
doing
for
us
in
terms
of
the
legal
side,
but
also
keeping
us
abreast
of
of
actions
that
the
city
is
taking.
The
city
council
is
taking
and
and
then
giving
information
about
the
feel
of
what
what
they're
getting
from
these
meetings
back
to
the
city.
E
E
One
thing
I
just
want
to
kind
of
put
out
there
too
is
I'd
like
to,
and
I
brought
this
up
when
we
were
doing
our
strategic
plan
of
getting
a
youth
involved
in
the
board
as
well.
I
think
that
that's
really
important
to
make
our
youth
feel
heard
and
to
give
them
an
understanding
of
what
it
is
to
be
in
you
know,
kind
of
public
office
and
serving
the
community,
and
let
them
know
that
they
they
have
that
opportunity
and
that
their
voice
is
important.
E
Regarding
a
council
member,
I
think
it
is
very
important
to
have
their
input.
I
think
their
voice
is
very
important
because
they
have
some
knowledge.
Obviously
that
is
important
to
us,
and
so
I
think,
as
that
advisor
that
liaison
that
and
to
know
that
we
do
value
that
opinion,
but
not
necessarily
as
a
voting
party.
E
I
do
think
that
their
voice
is
very
important,
but
I
do
think
that
it
needs
to
be
limited
too
because,
like
you
said,
I
mean
like
we
all
know
a
lot
of
times,
they're
voting
twice,
so
it
is
kind
of
a
you
know
it.
It
removes
an
opportunity
from
somebody
in
the
community,
so
that
is
where
I
said.
Thank
you,
commissioner.
Thorson.
B
Obviously
you
can
get
to
a
board
size.
That's
too
big,
but
I
I
I
think
five
is.
I
felt
it.
It
is
a
very
small
board
for
what
we
do
and
seven
is
certainly
seems
appropriate.
So
I'm
very
supportive
of
that
in
terms
of
council
member
being
versus
liaison
voting
member,
I
can
see
pluses
and
minuses
to
each
and
I,
but
I
think
that,
in
terms
of
both
the
what
we
face
in
short
term,
the
council
appointing
new
members
as
well
as
the
future.
B
But
I
would
also
want
to
make
sure-
and
again
this
isn't
commenting
on
our
current
council
or
anything.
We
want
to
make
sure
they're
engaged
and
I'm
curious
if
we
could
recommend
the
same
kind
of
attendance
policies
that
we
as
board
members
have,
because
we
certainly
don't,
if
not
a
voting
member,
then
they're
busy
and
they
get
they
get
pulled
in
a
lot
of
directions.
And
if
we
really
feel
it's
important
to
have
a
board
liaison,
then
we
want
to
make
sure
they
have
the
same
kind
of
membership
expectations
as
are
put
upon
us.
B
F
So
this
is
so
it's
new
territory
for
me
as
it's
new
territory
for
you.
So
I
would
think
that
what
would
probably
be
most
appropriate
would
be
maybe
a
memo
to
counsel
about
this
board
and
what
you've
discussed
and
what
you
would
like
to
see
respecting
the
voice
and
the
input
of
a
city
council
member.
But
considering
we
still
need
this.
But
if
we
do
this,
we
want
to
make
sure
that
there
is
a
commitment,
and
so
maybe
it's
just
a
memo.
F
Maybe
it's
just
you
know
having
that
from
as
a
board
as
the
authority
going
forward
to
the
city
council
before
this
process
of
looking
at
the
applications
and
the
mayor
choosing
which
I
did
so
the
process
is,
is
the
application
process
is
a
little
new
and
different?
It's
been
changed,
but
what
I
did
speak
up
and
ask
for
is
that,
since
the
hra
is,
is
they
dre
board
and
the
port
authority
are
not
city
chartered
commissions,
which
means
following
the
city
charter
process
and
saying?
F
Oh,
the
mayor's
just
going
to
choose
and
that's
who
gets
on
your
board?
I
did
advocate
and
say
well
either
I
or
the
board
chair
somebody
needs
to
be
included
from
the
hra
board
as
in
separate
entity
in
reviewing
applications
for
this
board.
So
I
did
advocate
for
that
just
because
we're
we're
just
in
a
different
place
and
the
city
was
kind
of
like.
Oh,
we
were
just
going
with
the
city
charter
process,
but
I
guess
you're
right
you're,
not
a
charter
commission.
F
B
A
B
The
chair,
any
member,
but
certainly
the
chair
as
the
leader
has
a
sense
of
how
meetings
go
and
as
you
look
at
applications
could
indicate
you
know
what
could
read
and
and
know
that
here
somebody
could
add
again
that
depth
or
an
expertise
in
an
area
that
we
might
need
and
they're
in
the
best
position.
I
believe
to
do
that.
Yeah.
B
D
D
D
D
F
F
F
It's
been
open
since
late
september,
and
then
it
is
the
two
board
positions
for
the
hra
and
then
there's
another
board
that
is
currently
up
and
then
it's
on
our
web
page.
So
it's
on
the
hra
webpage,
but
it's
also
on
the
city's
web
page
and
it's
a
dedicated
app,
so
blm
dot,
mn
forward,
slash
board
dash
app
is
the
direct
link
to
that
application
and
then
information
and
specifically
ask
that
applicants
are
encouraged
to
list
their
development
and
or
finance
experience
and
or
background
in
the
application.
D
Thank
you.
I
one
of
the
organizations
that
I
was
part
of
for
a
while
and
then
covet
happened
and
was
the
bloomington
housing
coalition
and
it
was
started
by
a
group
of
faith,
community
leaders
and
then
it
kind
of
merged
a
little
bit
with
what
became
known
as
the
bloomington
housing
action
team
or
b
hat.
D
You
know
some
of
our
partners,
you
know
even
like
I
don't
know
housing
for
habitat,
just
to
throw
out
another
example.
But
when
we've
been
talking
tonight
about
partnering
with
other
people,
I
think
that
would
be
something
that
would
be
good
to
send
to
them
because
they
probably
have
the
relationships
that
would
be
such
that
hey.
D
You
know,
I
think
you
would
be
a
good
person
for
this
and
then
offer
them
support
in
terms
of
helping
them
get
the
application
in
and
because
sometimes
that's
kind
of
I
mean
putting
in
an
application
for
a
job.
You
know
for
somebody
who
hasn't
done
that
much
is
kind
of
an
overwhelming
thing.
I
think.
F
F
B
H
F
Necessarily,
I
was
trying
to
see
here
in
this
list
if
they
mentioned
specifically
social
media,
but
I
can
tell
you
where
so
far
that
so,
culturally
specific
groups
and
faith
communities
have
all
been
sent.
This
information,
multi-housing,
multi-unit
housing
contact,
lists,
small
businesses,
leadership,
programs
within
bloomington
residential
facilities.
F
A
F
A
F
E
F
F
That's
the
process.
They
try
to
keep
the
application
open
for
four
weeks.
They
announced
the
deadline
after
the
deadline
they
prepare
packets
for
the
hra
to
review
the
packets,
and
then
they
what's
being
worked
out
at
this
point
is
interviews.
That's
where
the
process
is
new,
because
the
city
council
said
we
want
to
do
interviews
for
our
boards
and
commissions
and
now
we're
like.
Oh,
how
do
we
do
that
and
when
do
they
get
scheduled
and
are
they
virtual
and
so
interviews
will
happen?
F
F
They
would
like
to
deliver
packets
to
the
city
council
for
review
from
the
interviews
and
the
suggestions
and
whatnot
and
then
present
a
recommendation
to
the
hra
board,
which
is
something
I
asked
for.
I
said
you
need
to
come
to
the
hra
board
first,
before
going
to
the
city
council,
at
least
just
to
say,
hey.
This
is
what
we're
thinking.
So
there
would
be
a
recommendation
presented
to
the
city
council
and
then
excuse
me
to
the
hra
board.
F
B
E
H
E
A
At
the
stage
where
we
want
to
expand
okay,
the
memo
to
the
city
council
would
be
great.
I
would
be
comfortable
if,
like
you
said,
there
may
not
be
a
council
member
who
will
just
want
to
come
to
be
in
an
advisory
position,
but
I
would
be
comfortable
doing
five
resident
commissioners
with
a
councilman
as
an
advisor.
How
does
the
rest
of
the
board
feel
about?
I
mean,
as
the
memo
that
we're
sending
saying
the
board
is
considering
this.
A
D
F
Yes,
so
what
what
I
will
prepare
is
work
with
our
general
counsel
for
the
information
and
suggested
timeline
to
move
to,
to
apply
to
move
to
a
seven
member
board,
as
well
as
begin
to
draft
a
memo
with
the
talking
points
that
were
discussed
here
this
evening.
To
bring
back
to
the
hra
board.
To
review
before
submitting
to
the
city,
council
and
mayor.
F
Yes,
so
I
just
wanted
to
give
an
an
update
on
development,
as
you
heard
this
evening
about
days
in
that's
one
of
our
properties,
but
then
also,
we
have
received
an
application
for
tax
increment
financing,
also
known
as
tiff
for
redevelopment
of
8200
humboldt
avenue.
South
the
application
has
been
reviewed
by
the
hra
administrator,
hra
general
counsel,
hra,
accountant
and
hra
municipal
advisors,
community
development,
director
and
city
legal.
That
is
the
advisory
team
that
has
has
put
together
to
review
such
applications.
F
The
project
would
be
new
construction,
mixed
income,
housing
by
enclave
development
llc,
would
be
proposed
about
449
units,
which
include
at
least
nine
percent
of
units
affordable
at
or
below
50
percent
ami,
and
a
request
for
the
opportunity
housing
ordinance
incentives,
so
they
would
comply
with
that.
In
the
current
proposal,
the
development
is
proposed
to
start
spring
2022
pending
approvals
with
an
estimated
completion
in
fall.
2024.
F
F
A
D
D
F
D
You
know
like
a
lot
of
projects,
including
building
districts
that
that
have
been
spawned
or
are
carried
water
carried
from
by
this
group
and
and
and
we've
been
spending
a
lot
of
time
on
the
housing
part,
and
one
of
the
things
that
I
think
is
important
for
us
to
do
is
to
have
some
conversations
discussion
items
agenda
items
in
the
future
that
end
up
talking
about.
How
do
we
connect
with
the
business
community?
You
know
some.
Some
cities,
like
minneapolis
or
other
cities
have
have
well.
D
We
had
kind
of
the
the
the
98th
and
lindale
kind
of
thing
that
we
we
engaged
some
of
the
business
people
there
years
ago
in
terms
of
putting
in
some
trees
and
some
stuff
like
that.
But
I
think
we
need
to
diversify
ourselves
a
little
bit
on
our
on
our
meetings
so
that
the
agenda
also
talks
about.
How
do
we
connect
more
with
with
small
businesses
that
are
typically
in
in
older?
You
know,
strip
malls
or
something
like
that
and
and
need
some
assistance
kind
of
a
la
retrofit.
F
A
F
I
have
been
doing
more
for
leading
redevelopment,
there's
also
just
a
little
bit
for
me.
I
won't
it's
just
understanding
of
the
roles
that
are
that
are
played
between
hra
and
community
development
and,
in
particular,
economic
development.
The
port
authority
has
an
economic
analyst,
but
the
hra
doesn't
have
economic
analysts,
which
is
where
commercial
really
comes
into
play.
F
Also
under
community
development.
There's
a
whole
s,
there's
a
business
survey
that
was
done.
There
is
proposed
things
about
small
businesses
and
women-owned
businesses
and
by
like
all
of
that,
is
being
talked
about
and
underway
and
moving
forward,
and
so
I
can
bring
some
of
that
information
back
to
this
board
to
report.
But
I
do
want
to
say
that
some
of
it
is
is
me
trying
to
understand
how
do
we
incorporate
all
of
it
under
housing
and
redevelopment
authority,
and
how
does
it
not
just
sit
under
the
administrator?
F
How
do
we
do
development
as
a
city,
so
it's
grown
just
a
little
bit
beyond
the
hra.
How
do
we
do
development
as
a
city
because
we
have
the
hra?
We
have
the
port
authority.
The
port
authority
has
economic
development
powers
that
they
don't
actually
use
outside
of
the
port,
but
we
actually
need
them
to
so.
There's
a
there's
a
lot
happening,
so
you're
you're
on
task,
all
of
that's
being
discussed
and
worked
on
a
lot
of
those
things
are
being
worked
on.
F
So
I
can
get
information
about
some
of
the
business
things
that
are
happening
and
report
back
and
then
just
some
of
the
interest
around
commercial
redevelopment,
but
I,
but
as
the
hra
identifying
a
funding
source
to
be
able
to
do
that,
we
haven't
been
able
to
pinpoint
just
yet
so
there's
a
lot
of
things
there.
But
I
can
bring
some
information
back
about
some
things
that
are
happening:
community
development
wide
that
does
impact
the
hra
administrator.
D
Yeah
you've
actually
begun
answering
the
the
request
I
had
and
and
it's
it's
there's
a
lot
of
moving
parts
there.
You
know
we
have
community
development,
like
you
said,
and
the
port
and
all
that
kind
of
stuff.
How
do
we
as
an
hra
fit
into
all
of
that,
and
is
that
presumably
a
bit
in
flux
so
that
we
can
we
can
we
can
zero
in
on
it
in
terms
of
what
is
appropriate
for
us
to
do
and
in
terms
of
getting
that
staff
person,
I
think,
would
be
important
too.
B
This
I
actually
had
a
question
on
on
the
on
my
mind.
Prior
to
this
discussion.
We
just
had
it's
not
hra
related,
but
it's
sort
of
I
try
to
do
my
best
because
after
having
been
on
the
planning
commission,
all
that
I
I
love
to
kind
of
be
in
the
know
on
what's
going
on
around
the
city
and
and
because
I
think
it
impacts
our
work
here
as
well.
B
You
know
it's
we're
still
a
part
of
the
same
world,
so
I
would.
I
would
just
number
one
suggest
that
if
there's
something
you
you
that
we
should
know
about
that,
we
may
or
may
not
have
already
discovered
on
our
own.
That
kind
of
affects
the
big
picture
of
housing
and
development
and
redevelopment
in
the
city.
I
think
it's
a
good
to
know
kind
of
a
thing
you
know
just
not
that
we
have
any
action
to
take.
So
on
my
specific
question,
it
looks
like
south
state
south
gate
office
building
is
like
vacant
right
now.
B
Is
there
something
happening
there
and
if
you
even
know,
but
I'm
just
curious
and
it
could
be
housing
going
in
if
it
is
something
new-
and
I
know
that
another
thing
I
read
today
is
that
the
old
I
call
it
the
holiday
inn.
I
don't
know
what
it
is
today
and
maybe
we
touched
on
into
one
meeting,
but
there's
a
proposal
before
the
planning
commission
to
convert
that
to
small
apartments,
affordable
housing.
B
H
F
F
I
H
F
Major
impact:
yes,
yes,
so
conversion
of
hotels
and
different
things
that
impact
our
housing.
So
I'm
just
going
to
give
you
this
on
thursday
is
the
single
family
and
two
families,
standards
and
adu,
and
then
there
we've
had
discussion
and
I
think
it's
moving
forward.
I
will
come
back
and
find
out
hotel
and
office
study.
Conversion
is
possibly
proposed
for
a
concurrent
meeting
with
the
planning
commission
and
the
port
authority
yet
this
year.
F
So
what
I
did
learn
is
we've
never
done
concurrent
meetings
with
the
planning
commission,
so
this
was
something
that
we're
like.
Oh,
this
is
exciting
and
really
interesting,
so
I
think
we'll
get
more
into
hey
what
else
is
going
on
in
the
city,
south
town?
I
know
it
hit
the
news
about
potential
hyvee
like
so.