►
Description
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https://www.myclearwater.com/citymeetings
A
Today's
meeting
of
the
neighborhood,
affordable
housing,
Advisory
Board,
is
called
to
order.
Everybody
Welcome
agendas
of
today's
meeting
are
on
the
law
at
the
entrance
to
the
chambers.
Please
remember
to
turn
off
your
cell
phones
to
ensure
a
complete
record
of
the
board's
actions.
We
ask
that
each
individual
wishing
to
speak
clearly
state
your
name
and
spell
your
last
name
for
the
clerk
I'll
ask
the
board
members
to
introduce
themselves
and
identify
the
fields
they
each
represent.
Karma.
A
And
I'm
Kevin
Chenault,
the
chair
and
I,
represent
the
non-profit
profit
providers
of
affordable
housing,
I'd
like
to
recognize
Gabby
Camacho,
who
had
been
serving
on
this
board
for
five
years.
She
has
accepted
another
position
outside
of
the
county
and
had
to
resign
we'd
like
to
officially
thank
her
for
her
time
and
service
in
the
com
in
the
board.
She
was
a
valuable
asset
to
the
board
and
we
look
forward
to
and
and
wish
her
well
in
her
future
endeavors.
A
A
Have
a
motion
and
a
second
all
in
favor,
opposed
a
motion.
Carers.
Item
number
three
on
the
agenda.
Is
citizens
to
be
heard
regarding
items
not
on
the
agenda?
Is
there
anyone
here
wishing
to
speak
on
items
not
on
today's
agenda?
If
so,
please
step
to
the
podium
state.
Your
name
and
spell
your
last
name
for
the
record.
You'll
have
three
minutes
to
speak
on
a
subject
that
is
not
on
the
agenda.
E
E
E
If
they
had
could
help
me
understand
rental
assistance,
because
I
think
there's
three
hundred
and
ten
thousand
dollars
at
the
city
of
Clearwater
committed
to
the
Clearwater
Housing
Authority
for
rental
assistance
and
it's
for
security
deposits
and
as
of
the
last
30
days
here
we
are
at
the
end
of
the
fiscal
year
that
money
had
still
not
been
sent
over
to
them,
and
that
was
a
concern
for
me
and
that
may
be
what's
on
the
agenda.
This
item-
I'm
not
sure,
I,
understand
that
particular
item
of
what
needs
to
be
sent
over.
E
But
when
we
approve
money
for
rental
assistance,
I
would
like
you
all
to
be
asking
questions
to
say:
how
quickly
can
people
get
it
in
their
hands
and
I
do
have
a
scheduled
meeting
with
the
director.
The
CEO
excuse
me
of
the
Clearwater
housing
authority,
and
so
I
would
like
to
invite
all
of
you
if
you'd
like,
if
you'd
like
to
go
to
that
meeting
with
me
and
ask
more
questions
on
how
we
can
collaborate
and
get
their
website
attached
to
our
website,
so
that
the
real
renter
can
find
help.
E
G
I
believe
the
agreement
that
Miss
Davis
is
referring
to
is
a
tenant-based
rental
assistance
agreement.
The
amount
is
321
400.
That
contract
is
still
in
negotiation
between
the
two
parties
between
us
and
Cha,
so
that
we've
had
several
iterations
of
it
and
it
is
in
the
final
stages
of
negotiation,
so
we
should
be
able
to
execute
it
shortly.
The
funding
for
that
program
is
not
tied
to
a
fiscal
year
and
is
funded
by
home.
H
Thank
you,
Muhammad
Abdul,
Rahim,
abdur,
hyphen,
r-a-h-I-m
I.
Think
you
should
probably
know
that
by
now,
but
anyways
good
morning,
I'm
not
going
to
reiterate
what
Beth
has
said,
but
I
am
also
a
part
of
the
Clearwater
Alliance
for
housing.
I've
spoke
to
you
before
and
basically
I'm
going
to
say
the
same
thing,
because
I
think
that
citizens
like
myself,
has
to
be
able
to
Echo
the
concerns
that
is
within
their
City
and
especially
when
it
comes
to
housing.
H
H
The
reason
why
citizens
come
to
you
is
because
you
are
that
Advisory
board
for
the
city
council
and
if
you're
not
asking
the
tough
questions
and
you're
not
posing
to
the
city
council
as
to
directions
they
should
be
going.
Then,
where
did
that
lead
the
citizens?
So
please
I,
advocate
behalf
of
the
citizens.
To
please
ask
the
tough
questions.
Please
encourage
our
city
council
to
make
housing
their
top
priority,
we're
going
into
the
budget
now,
and
we
need
to
actually
have
more
money
into
housing
because
it's
not
going
to
get
easier.
A
A
G
Thank
you
so
much
Denise
Anderson,
Economic,
Development
and
housing,
so,
unfortunately
effective
yesterday.
In
fact,
Dr
Matthews
is
no
longer
with
the
city
and
so
she's,
obviously
not
here
and
such
short
notice.
We
were
not
able
to
put
a
pitch
in
her
in
to
deliver
the
message
that
she
otherwise
would
have
given
today.
So
I'll
present
you
a
couple
of
options
to
consider.
G
We
can,
in
a
near-term
meeting,
have
an
interim
staff
member
from
the
CRA
come
in
and
and
deliver
a
presentation
to
you
all
as
originally
intended,
or
we
can
wait
until
the
recruitment
is
completed.
I
presume
we'll
have
an
external
recruitment
which
of
course,
can
take
several
months
to
get
somebody
in
that
seat
and
then
up
to
speed.
So
it's
really
your
pleasure.
G
D
A
Yeah
personal
opinion
would
be
I'd,
rather
not
wait
for
a
new
person,
new
executive
director.
If
we
could
have
a
qualified
speaker,
my
personal
preference
would
be
to
do
that
because
by
the
time
a
new
director
gets
in
if
Direction
changes
we're
talking
quite
quite
a
few
months
and
I'd
rather
get
the
information.
My
personal
just
anybody
on
the
board
having
different
opinion
on
that
no
I
agree.
So
I
think
that
would
be
the
recommendation
of
the
board
would
be
to
get
a
qualified
staffer
to
be
able
to
make
that
presentation
to
us
is.
G
Thank
you.
So
this
is
resolution
23-12
and
we
bring
this
board
at
the
next
council
meeting,
which
is
slated
for
August
17th.
So
this
resolution,
as
chairman
Chanel
said,
is
to
appoint
members
to
the
affordable
housing
advisory
committee.
As
you
all
know,
the
seven
board
members
of
neighborhood,
affordable
housing,
Advisory
Board,
comprises
seven
of
those
11
members.
The
resolution,
as
is
currently
written
its
stint
draft
currently
in
your
agenda
packet
and
that's
for
a
very
specific
reason.
It
does,
however,
reserve
the
vacancy
vacated
by
Gabby
in
this
last
month.
G
We
hope
to
have
that
filled
before
we
begin
our
work
in
September
of
the
affordable
housing
advisory
committee.
Also
vacant
Missing
in
that
resolution
is
the
assignment
by
the
Community
Development
board,
which
is
the
local
planning
agency
that
must
appoint
a
member
to
the
affordable
housing
advisory
committee.
You
may
recall
Bruce
Rector
served
in
that
capacity
last
year.
He
has
agreed
need
to
participate
if
appointed
by
the
Community
Development
board.
Gina
Clayton,
the
director
of
Planning
and
Development,
will
present
that
item
to
the
cdb
at
their
August
16th
meeting.
G
G
Oh
please
forgive
me.
I
will
remind
you,
though,
once
this
committee
is
seated
August
17th.
It
is
the
sunshine
committee.
So
all
members
that
are
appointed,
including
council,
member
Beckman
and
the
representative
from
the
local
planning
agencies
for
Community
Development
board-
you
all-
may
not
discuss
with
those
members,
any
items
that
may
come
before
you
and
your
duties
under
the
affordable
housing
advisory
committee
wanted
to
remind
you
about
it
and
I'll
be
happy
to
take
questions.
A
G
I
should
mention
if
it
is
your
pleasure,
you
can,
if
you
like,
make
a
recommendation
to
Council
of
the
elected
official
that
you
wish
to
see
on
that
board
and
I
can
pass
that
along
in
my
August
14th
meeting.
So
that's
you
know
at
your
discretion.
If
you
wish
to
include
that
recommendation
in
your
action
item
today,.
A
C
A
Have
a
motion
in
a
second
any
further
comments.
A
G
That's
a
lot,
that's
my
fault,
thank
you!
Denise
Anderson,
Economic,
Development
housing.
So,
first
of
all,
I'd
like
to
apologize
for
not
sending
this
to
you
last
week,
I
was
unexpectedly
out
and
when
I
was
control
for
me,
but
it
did
get
attached
to
your
nahab
agenda.
So
if
you
happen
to
pull
up
that
agenda
since
I
think
probably
Thursday
afternoon,
you
will
have
seen
that
in
there.
So
perhaps
you
did
and
it
is
the
most
poorly
formatted
document,
so
forgive
the
margins.
G
This
is
a
template
that
is
produced
by
the
state
and
it
really
just
prints
as
it
prints,
so
it
prints
terribly,
but
it
is
transmitted
to
the
state
by
September
15th
as
its
due
date.
So
I'll
review
the
contents
of
this
report
and
we
can
talk
through
some
of
this.
But
the
important
thing
here
is
this
is,
as
you
see
here
at
the
top
of
the
screen.
G
Quite
possibly,
you
do
not.
It
was
you
know
those
covid
years,
but
the
governor
vetoed
the
allocation
that
year,
so
we
got
into
zero
allocation.
We
did,
however,
earn
program.
Income
and
program
income
is
the
prepayment
of
loans
and
then
the
interest
earned
on
those
receivables.
So
we
had
433
thousand
dollars
and
change
come
in
under
program
income,
but
you'll
see
here
this.
G
This
starts
out
with
how
the
funds
were
utilized
for
the
strategies
that
we
have
in
our
local
housing
assistance
plan
and
that,
as
you
can
see,
is
purchase
assistance
with
Rehab
on
our
occupied
rehab
and
new
construction.
We
produced
nine
units
there
under
those
activities
when
you
get
down
here
of
that
331
thousand
dollars
expended
in
that
those
categories
we
take
10
percent
for
administration,
that's
a
standard
under
program,
income
for
ship
and
so
331
thousand
dollars
in
change
supports
our
admin
cost.
G
So
you
may
know
that,
though
we
are
funded
by
general
fund
in
our
budget.
It
is
offset
by
the
administrative
costs
associated
with
the
grants
that
they
receive
in
the
program
income
associated
with
those
so
down
here.
This
gets
to
total
revenue.
G
So
we
had
interest
at
5,
800
program,
income
or
those
payments
received
at
427
000,
and
let
me
get
to
this
really
strange
number
of
and
negative
carryover
from
the
previous
year,
and
this
has
generated
a
lot
of
discussion
internally.
So
I
wanted
to
take
a
minute
and
explain
this,
because
it's
a
complicated
concept
unless
you're
an
accountant
so
which
I
have
not
so
we'll
muddle
through.
But
what
this
really
means
is
because
we
have
three
years
to
spend
money.
G
This
money
right
here
was
actually
spent
for
prior
year
activities,
so
in,
for
instance,
1920
closed
out.
Last
year
we
pulled
money,
members
of
1920.
We
can
spend
it
in
1920,
2021
and
2122.
We
can
spend
those
dollars
and
during
that
period
of
time,
for
those
projects
that
that
closed
out
that
were
initially
allocated
under
1920.
When
those
projects
closed
out,
we
pulled
money
from
one
of
those
other
year
allocations.
So
so
this
is
actually
money
that
came
out
of
2021
funds
to
fund
a
project
previously
reported
on
in
a
closeout
year.
G
G
So
you
never
want
to
return
money
to
the
state.
You
never
want
to
see
that
funds
are
remain
available
in
the
closeout
year
because
by
its
very
nature,
you're
supposed
to
spend
all
of
those
monies
over
that
three-year
period.
But
that's
what
that
number
there
is
getting
to
when
we
move
down
into
the
report.
It
reminds
us
of
what
those
rent
rates
are
for
extremely
low
income,
very
low
income,
low,
moderate
income,
then
up
to
140
percent.
G
We
don't
do
anything
in
the
120
to
140
percent
at
this
time
and
I,
don't
anticipate
that
that
policy
will
change,
but
some
some
jurisdictions
do
state
by,
and
so
that's
a
category
here,
that's
that's
sort
of
out
of
build.
These
are
not
numbers
that
we
come
up
with
up
here.
I'm
not
actually
sure
why
they're
in
this
report,
but
when
we
look
at
the
funding
sources
here
again
the
this
gets
into
leveraging
so
that
331
thousand
dollars
that
we
expended
in
ship
money.
G
We
also
spend
some
Housing
Trust
Fund
to
program
income
funds
that
we
have
here,
it's
showing
showing
up
as
public
monies
expended
on
ship,
the
private
funds.
This
is
the
private
lender,
such
as
what
Robin
represents.
These
are
the
additional
funds
supported
by
other
primary
loans
or
first
position
loans.
If
you
will
and
then
the
owner
contributions
that
are
required
for
the
total
value
of
six
hundred
and
three
thousand
dollars
is
tied
to
this
331
thousand
dollars
worth
of
activity.
G
Home
ownership,
all
of
our
construction
and
Rehab
projects
in
this
particular
year
were
tied
to
home
ownership.
That's
why
you're
seeing
a
duplication
there
of
those
numbers.
We
really
just
start
reporting
on
the
compliance
summaries.
G
And
then
we
a
lot
of
this
stuff
by
the
way
gets
baked
into
our
dashboard
that
you've
seen
these
kinds
of
numbers
kind
of
populate.
The
dashboard
excuse
me
and
then,
of
course,
we
report
on
who
did
we
serve
well?
G
Income
stratas
did
we
did
we
serve
here
and
that
93
percent
surprisingly
I
mean
you
kind
of
would
expect
it
to
say
90,
because
10
is
admin,
but
it
totals
up
to
93
so
and
that's
because
of
I
should
say
a
program,
project,
delivery
costs
and
other
things
that
come
out
of
admin.
G
Perhaps
then
we
get
into
the
units
the
mortgages,
loans
down
payment
loans,
Etc
total
number
of
units
produced.
In
this
case
it
was
nine
during
that
year,
I
should
mention
in
2020
2021.
That
was
also
the
year
that
we
had
the
CRF
funds
which
were
passed
through
under
the
cares
act
from
the
FED
through
the
state
to
us.
So
we
suspended
our
rehab
program
during
that
time.
At
the
height
of
covid,
a
lot
of
things
were
shut
down.
G
The
market
was
quite
unstable,
as
you
know,
and
so
a
lot
of
the
activities
were
suspended
or
very
low
volume.
As
a
result,
however,
we
did
staff
was
not
bored
that
year
we
had
the
CRF
funds
and
delivered
rent
mortgage
and
utility
assistance
and
in
fact,
we
exceeded
our
initial
allocation
and
Drew
Down
additional
funds
that
year
from
CRF
in
order
to
support,
support
those
activities.
G
But
it's
not
reflected
here
on
this
report
so
and
then
we
get
into
on
our
occupied
rehabs
and
new
construction
and
purchase
assistance
with
rehabs
and,
of
course,
you
report
on
all
sorts
of
things
like
the
characteristics
family,
size,
race,
head
of
household
and
demographics.
G
All
of
this
is
trapped.
As
you
can
see,
these
might
look
a
little
familiar.
So
it's
timely
that
we're
discussing
this
today.
These
are
the
incentive
strategies
that
we'll
be
discussing
during
our
work
under
the
ahac,
so
expedited
permitting
ongoing
review
Etc.
These
are
all
those
topics
that
we
explore
are
these
strategies
working
for
us,
and
this
is
really
just
a
reminder
to
this
day
of
what
strategies
we
have
in
place
when
those
were
approved
or
adopted
into
their
local
housing
assistance
plan.
G
And
then
we
provide
a
narrative
of
the
other
support
services
that
the
city
provides
not
necessarily
funded
by
a
ship.
In
fact,
most
of
these
are
funded
by
our
cdbg
public
services.
This
is
reported
to
ship
as
well.
They
want
to
know
what
what
else
are
we
doing
to
support
a
lot
of
moderate
income
persons,
including
homeless
persons
in
our
community,
and
they
like
to
hear
a
success
story.
G
So
this
is
one
that
Terry
our
ship
administrator
pulled
regarding
Mr,
Michael
Taylor,
so
a
nice
little
warm
story
for
us
that
we
get
to
share
with
the
state
I'm,
not
sure
why
they
pull
this.
Why
they
request
this
kind
of
information?
Maybe
they've
posted
it
to
their
website,
don't
really
know,
but
it's
nice
to
be
able
to
share
success
stories
with
them.
G
So
I
think
this
is
an
incredibly
impressive
number
here.
G
We
have
very
few
foreclosures,
so
I
think
a
lot
of
people
don't
realize
that
we
are
in
fact
like
a
bank,
we
do
have
collections
and
we
are
very
good
at
collecting
funds
when
we're
unable
to
collect
funds.
We
do
workout
plans
and
we
recast
nodes
when
appropriate.
Very
few
defaults
and
very
few
foreclosures.
G
And
then,
of
course,
we
identify
by
name
those
persons
and
their
address
which
I
won't
Linger
on
here,
because
it's
unfortunate
that
we
have
to
include
it
record
and
and
then
how
we
broke
down
Administration
costs.
So
Nova
engineering
is
our
and
Rock
Solid.
We're
we're
no
longer
doing
business
with
Rock.
Solid
am
I
correct
hook.
G
So
they're
scissoring
work
with
us.
Yes,
okay,
forgive
me
and
Nova
engineering,
so
Nova
engineering
does
a
lot
of
work
with
us.
They
are
their
contract
company
that
goes
out
and
does
site
inspections.
They
do
pre-bid
evaluations
and
they
go
out
during
the
construction
process
to
really
ensure
that
that
contractor
is
doing
the
work
for
which
they
were
contracted
and
they
sign
off
on
completeness
of
projects
so
to
certify
that
we
can
pay
those
contractors.
C
G
And
then
again,
this
is
just
sort
of
a
restatement
program:
income
how
it
came
to
us.
Loan
repayment
refinance
foreclosure,
sale
property,
so
many
of
our
loans
are
deferred
for
the
life
of
the
loan,
but
for
sale.
Property
occurs
during
that
period
of
time
in
which
a
lien
exists.
G
They're
obligated
to
repay
those
funds,
and
the
reason
for
that
is
our
mission-
is
to
create
and
preserve,
affordable
housing.
So
when
we
have
a
sale
of
property
that
is
no
longer
going
to
be
for
affordable
housing,
we
collect
a
repayment
so
that
we
can
recirculate
those
funds
in
the
initial
for
the
original
intent
and
purpose
for
which
we
provided
those.
G
And
then
rental
developments
Pinellas
County,
Housing
Authority.
This
is
Norton
Apartments,
so
they
are
doing.
In
fact,
we
we
just
issued
this
this
year,
a
great
example.
So
this
year
and
yet
they're
being
reported
in
the
closeout
year
for
2021,
they
are
doing
a
rehab
at
Norton,
Apartments
off
of
MLK
right
now,.
G
And
then,
of
course,
we
track
special
needs.
How
do
we
do
there
and
then
interim
your
data,
so
this
is
actually
for
2122
data.
We
used
to
report
two
years
of
interim
data,
so
we
used
to
report
interim.
It
would
be
2021.
Excuse
me
21
22
and
22
23.
The
state
no
longer
requires
or
desires
to
see
interim
year
two
data,
so
this
is
just
simply
2122.
This
is
our
works
in
progress.
If
you
will
so
the
distribution
for
that
year
was
806
thousand
dollars
of
program.
Income
was
over
a
million.
G
The
administrative
expense
that
we
have
currently
pulled
from
that
is
98
000
with
encumbered
administration
of
34.,
and
then
we
have
all
these
buckets
to
fill
and
we've
kind
of
referenced
these
from
time
to
time.
So
ship
is
not
as
complex
as
Federal
money
think
thankfully,
but
it
is
complex
and
that
we're
required
to
be
able
to
hit
certain
targets.
G
G
E
G
G
We
do
not
calculate
carry
forward
to
next
year
and
and
this
respect,
but
more
on
track
for
next
year
to
do
pretty
well
in
meeting
our
requirements
there.
So
we'll
see
more
next
year
on
this
on
this
data,
everybody
take
any
questions
on
this
ship
annual
report.
G
I
hope
that
it
goes
to
Council
on
August
17th.
There
is
a
chance
that
it
moves
to
the
September
7th
meeting
just
simply
because
of
timing,
but
it
is
due
to
the
state
by
September
15th,
take
any
questions.
D
G
Do
not
a
lot
anymore
and
the
current
market
most
of
ours
is
not
amortizing.
Some
deferred
some
deferred
for
life
of
loans,
some
different
five
years.
Some
you
know,
will
defer
and
then
forgive
portions
thereof.
So
right
now,
I.
G
G
D
G
D
Private
leveraging-
yes
I'm
interested
in
that,
because
that
was
a
pretty
high
figure
like
at
259
I.
Think
and
it's
I
want
everyone
to
know
how
important
it
is
to
incorporate
lenders
who
provide
grants.
As
an
example,
you
know
or
you've
got
Hometown
Heroes
and
Florida
Housing
Finance
funding
and
you've
got
Salinas
house
in
Tampa
that
can
offer
down
payment
and
leveraging
and
layering
all
of
those
different
programs.
I'm
not
sure
the
public
is
totally
aware
of
all
that's
available
to
them
and
all
the
Partnerships
that
we
have.
G
D
G
So
we're
currently
going
through
a
comprehensive
plan.
Amendment
process
we
allow
adus.
Currently
our
greatest
challenge
with
adu's
is
PR
is
typically
in
the
neighborhoods
in
which
those
would
likely
occur.
We
have
very,
very
small
Lots
and
we
have
very
narrow
streets,
and
so
parking
is
a
very
significant
concern,
because
by
code
we
don't
allow
you
to
park
on
lawns.
G
D
G
Yeah
I
don't
know
if
it
would
be
appropriate
today
to
make
that
recommendation.
I
think
it
would
be
appropriate
in
our
incentive
strategies
to
address
that
there,
because
that,
of
course,
is
part
of
the
ship,
the
local
housing
assistance
plan
and
type
to
the
ship.
The
ship
funding
so
make
yourself
a
mental
note
or
handwritten
note
to
be
sure
to
bring
that
up
during
that
discussion,
because
it
certainly
should
get
baked
into
that
conversation
and.
D
I
D
G
Yeah
and
they
do
not
come
forward
under
our
Public
Services
Program
this
year.
Unfortunately,
so
we
don't
have
an
opportunity
to
find
them
under
cdbg
yeah
agreed.
That's
it's
a
whole
right
now,
I
think
especially.
D
G
I
So
back
to
your
your
interest
question.
Yes,
in
the
last
seven
years
since
we've
been
in
this
role,
we
have
we
have
not
written
a
interest-bearing
loan
right,
but
we
do
have
Provisions.
We
have
a
default
rate.
This
almost
falls
into
default.
They
can
kick
into
an
interest
payment
if
we
have
someone
that
that
an
heir
takes
on
a
house
in
the
40
billion
period
is
is
over,
but
they
still
owe
money.
We
can
negotiate
an
interest-bearing
Loan
in
that
situation.
I
Error
that
they
make
and
that's
what
I
was
just
referring
to
an
assumption
with
someone
that
maybe
isn't
homesteading
the
property
or
doesn't
qualify,
but
the
affordability
period
is
over.
So
those
rules
are
no
longer
applicable.
We
we
can
freely
negotiate.
You
know
alone.
J
A
Congratulations
on
the
low
foreclosure
rate,
what
I'd
like
and
I
I
would
be
to
use,
study
or
find
out
about
causes
of
foreclosures
and
whether
it's
income
based
or
things
like
that
and
then
the
the
second
comment
question
is
clarification.
I
know
when
they
qualify,
their
income
levels
are
are
required,
but
you
listed
the
income
level
at
four
for
the
foreclosures.
Is
that
the
income
lever
they're
at
when
they
when
they
were
foreclosed
on
or
does
that
get
tracked
upon?
It.
G
Does
not
okay,
so
we
don't
try
to
penalize
anybody
for
income
growth
or
decline
so
foreclosures.
One
of
the
reasons
why
we
have
such
a
very,
very
low
foreclosure
rate
is
because
we
are
very
aggressive
at
trying
to
recast
notes
if
we
need
to-
and
we
also
you
all-
probably
don't
remember
this
so
this
was
several
years
ago.
We
brought
forward
a
foreclosure
policy,
we
had
never
had
one
actually
and
we
came
to
realize
there
are
just
some
people
that
would
choose
not
to
pay
the
notes.
G
There
are
some
people,
unfortunately,
and
I
get
it.
You
know
everybody's
got
pressures
on
them
to
to
pay
notes,
but
because
the
government
provided
it
perhaps
I,
don't
need
to
repay
it
and
while
I
can
certainly
empathize
with
with
financial
challenges
that
folks
have,
we
do
have
that
mission
to
create
and
preserve
affordable
housing
and
to
ensure
that
we're
properly
funding
those
that
can't
afford
that
that
show
evidence
of
being
able
to
afford
to
repay.
And
so
in
those
very
rare
occasions
where
we
have
someone
who
refuses
to
pay
or
is
no
longer
able.
G
We
do
have
a
very
lengthy
process
that
leads
up
to
notice
of
foreclosure
and
I.
Think
Even
in
our
last
one
we
had
started
foreclosure
proceedings
and
the
homeowner
opted
to
sell
the
home
and
in
a
buyer's
market
she
was
certainly
able
to
get
out
of
that
situation
with
both
the
primary
Lander
and
with
us,
put
some
money
in
her
pocket
and
move
on
to
other
housing
options.
So
we
avoided
foreclosure
in
that
respect,
but
we
did
begin
legal
action
and
that
I
think
prompted
the
sale
of
the
home.
G
So
it's
very
rare-
and
this
and
this
current
Marketplace
I,
think
more
folks
would
choose
to
just
do
what
this
homeowner
did
in
sell
the
home
in
order
to
prevent
a
foreclosure
situation
in
other
markets.
G
A
Process
and
and
policy
I-
don't
don't
remember
it
completely.
Is
there
an
opportunity
for
staff
to
make
recommendations
for
funding
counseling,
something
to
help
them
change
their
situation?
That's.
G
That's
part
of
that
process,
so
that's
available
to
them.
So
that's
part
of
the
process
for
them
to
be
able
to
get
assistance
more
often
than
not.
What
we
find
ourselves
doing
is
forgiving
portions
of
notes,
recasting
extending
term
if
it
was
one
of
those
interest,
bearing
notes
from
years
and
years
ago,
we'll
lower
or
eliminate
that
interest.
G
We'll
do
an
income
A
Renewed
income
analysis
to
try
to
make
certain
that
we're
keeping
debt
to
income
ratios
appropriate,
and
so
it's
rather
involved
the
process,
while
I'm
certain
that
banks
sometimes
do
these
activities
at
what
as
well
I,
think
we're
far
more
liberal
in
trying
to
get
to
a
resolution
that
protects
that
homeowner
and
keep
someone
in
a
home.
Some
of
our
desire
to
foreclose
them
and.
D
I
It's
not
even
so
much
sale,
it's
it's
refinanced!
If.
J
I
G
D
D
E
So
when
I
read
the
ship
possibility,
rental
assistance
is
part
of
it
and
so
rental
assistance
unless
I
missed
it
is
not
in
this
recap:
is
that
noon
like
in
2023
or
do
we
have
a
plan
for
rental
assistance
in
the
ship
program
today
going
forward.
I
I
It's
it's
very
difficult
because
we
can't
manage
that
program
internally.
It's
very
staff
intensive
when
we
do
when
we
manage
the
CRF
money
that
Denise
mentioned
a
moment
ago,
that
was
about
a
six-month
program.
We
dedicate
our
entire
staff
to
that
to
that
effort,
as
well
as
five
additional
staffers
from
the
library.
E
I
And
it's
possible
and
we've,
as
you
know-
and
you
mentioned
working
with
the
cha,
it's
clear
what
a
Housing
Authority
we
get
that
money
out
the
door,
that's
really
for
their
clients
that
are
awaiting
you,
a
voucher
home,
there's
a
there's,
a
there's,
a
delay
in
a
lot
of
that
there's
a
pipeline.
So
this
is
that's
going
to
help
them,
but
yes,
we
can.
We
can
look
with
other
non-profits
I,
don't
know
that
a
lot
have
done
it
successfully.
It
is
just
so.
I
A
A
G
So
this
is
a
cheat
for
me,
I'm,
going
to
beg
your
Indulgence
in
forgiveness
as
we
move
into
this,
and
the
reason
for
that
is
Florida
Housing
Coalition
did
a
much
better
job,
explaining
the
live,
local
act
and
a
couple
of
other
things
that
I
could
ever
do
myself.
So
we're
going
to
cheat
and
I'm
going
to
go
through
on
the
live
local
act,
slides
I'll,
try
not
to
linger
on
any
of
them
for
any
great
deal
of
time.
G
I'll
try
to
answer
questions
that
you
may
have,
but
I
will
say:
I
am
not
an
expert
on
this,
and
one
of
the
great
challenges
is
like
many
things
that
our
legislators
do.
They
put
rules
in
place
and
then
you
have
to
figure
out
how
to
implement
them
and
we're
still
in
the
figuring
out
how
to
implement.
G
But
we
have
great
folks
like
those
at
Florida,
Housing
Coalition
that
help
us
interpret
things
so
I'm
going
to
start
with
a
primer
here,
because
I'm
presuming
that
a
lot
of
folks
who
may
view
this
tape
or
sitting
here
behind
me
or
watching
from
home
today,
really
don't
understand
or
I
should
say.
Don't
know
where
the
funding
for
all
this
stuff
comes
from,
and
this
Rose
starts
with
the
Sadowski
trust
funds
that
were
these
were
Act
was
in
the
early
90s
and
it,
as
you
can
see,
established
in
92
and
according
to
trust
funds.
G
The
state
Housing
Trust
Fund,
which
is
the
sale
program,
primarily
whoops,
forgive
me,
and
this
local
government
housing
trust
fund,
which
is
our
ship
money.
So
this
is
the
entitlement
allocation
that
we
can
control
the
sale
program.
Is
the
state
department
incentive,
Loan
program,
their
developers
pursue
so
the
sadasky
trust
funds?
These
are
doc
stamps
and
the
like.
That's
what
funds,
the
trust
funds
and
they
have
historically
been
swept
over
the
years
for
various
other
activities,
whether
it's
to
respond
to
situations
like
hurricane
Michael
years
ago.
G
They
were
swept
for
that
purpose,
whether
it
was
the
Parkland
shooting
it
was
to
harden
schools
one
year
or
whether
it
was
some
other
priority
of
the
state.
At
the
time,
and
as
I
mentioned
earlier
in
2020
2021,
the
governor
vetoed
the
allocation
because
they
were,
you
know,
understandably
uncertain,
of
what
would
be
going
on
in
the
economy
and
wanted
to
hold
back
some
funds
in
case
they
were
needed
for
other
purposes.
G
So
so
that's
a
Sadowski
trust
funds,
but
really
importantly-
and
it's
one
of
the
reasons
why
we're
now
seeing
20
increase
as
an
example,
you
can
no
longer
sweep
these
trust
funds.
However,
I
think
it
was
about
one-third
or
forever
protected.
G
It
doesn't
mean
we're
getting
all
of
the
trust
funds.
They
just
took
an
Act
that
says
well,
they'll
take
these,
but
we'll
never
take
that,
but
it
still
has
resulted
in
very
significant
increases
for
us
and
it's
one
of
the
reasons
why
we
requested
an
additional
FTE
for
next
fiscal
years.
More
and
more
money
is
coming
to
us
and
of
course,
regulations
very
rarely
get
lightened.
So
so
no
more
sweeps
and
then
we
get
to
the
live
local
act,
and
this
is
really
sweeping
legislation.
G
It
preempts
locals
on
some
very
significant
decision
making,
so
it
provides
I'm
I'm
sure
our
elected
officials
are
thrilled
to
hear
that.
On
the
one
hand,
it
encourages
private
investment
in
affordable
housing.
It
also
takes
ad
valorem
out
of
the
pockets
and
and
then
we'll
have
to
try
to
figure
out
what
we
do
with
that
right.
G
So,
but
it
really
is
intended
to
encourage
the
private
sector
to
step
up
and
participate
in
the
affordable
housing
opportunities
that
are
provided
here,
and
it
encourages
local
governments
to
figure
out
how
to
work
well
within
that
new
environment.
G
So
I'll
draw
your
attention
to
this
column
right
here,
because
this
is
this
next
fiscal
year
current
fiscal
year,
actually
because
we're
July,
1
fiscal
Star
right
so
with
state
21-22,
look
where
this
was
and
now
we'll
ship.
This
is
where
it
is
pretty
significant
increase
over
last
year,
but
20
increase
this
year,
sale
even
bigger
right.
This
is
that
pot
of
money
that
developers
go
after
for
low
interest,
financing
for
apartment,
Construction,
huge
increase.
That
math
is
what
5x
close
to
5x
there
Hometown
Heroes
we'll
talk
about
this
for
a
second.
G
This
moved
it
from
State
housing,
trust
funds
last
year
and
into
General
General
Revenue,
so
really
just
pulled
it
out
of
the
Sadowski
trust
funds
and
funded
it
differently,
which
is
nice
because
it
brings
out
more
money,
more
money
for
the
locals
through
the
ship
program
and
then
inflation
response,
oops
Etc,
so
811
million
dollars
versus
512
last
year
versus
209
and
2122.
So
the
state
is
making
very,
very
significant
commitments
to
affordable
housing
through
a
number
of
programs,
so
Hometown
Heroes,
Ms
Byers,
mentioned
this
earlier.
G
The
very
significant
shift
here
is
that
now
this
initially
you
may
recall,
Hometown
Heroes
was
intended
for
First
Responders
teachers
etc.
Those
essential
workers
that
were
asked
to
continue
to
work
through
the
covid
period
now
any
full-time
employee
of
a
florida-based
company.
If
you
have
a
brick
and
mortar
facility-
and
you
are
a
full-time
employee
of
one
of
those
facilities,
you
are
potentially
eligible
to
receive
up
to
thirty
five
thousand
dollars
under
the
Hometown
Heroes
program.
This
is
administered
by
local
banks
that
is
not
administered
by
our
office.
G
The
income
limit
is
150
of
Ami.
So
at
the
time
of
this
it
was
123
000
for
a
household
of
four
in
Pinellas
County.
B
That's
pretty
significant,
you
know
it's
now,
130
and
change.
Thank.
G
You
I
knew
it
had
gone
up
since
this
was
printed,
yet
they
they
released
new
numbers.
I
just
didn't
want
to
mess
with
the
Sean's
PowerPoint.
So
you
know
you
do
the
math
there
that
a
lot
of
a
lot
of
households
can
qualify
for
this.
So
to
your
point,
are
people
aware
of
this?
Are
they
taking
advantage
of
this
now?
G
I
would
suggest
that
probably
a
lot
of
folks
are
staying
out
of
the
real
estate
market
right
now
for
other
reasons,
but
when
they
choose
to
get
in
that,
if
interest
rates
stabilize,
if
insurance
is
stabilize
and
people,
you
know
really
begin
to
dive
into
real
estate
again
as
a
Sound
Investment
for
their
for
their
home.
That
this
program
can
go
a
very
long
way
to
supporting
them
in
that
effort.
So
you
know
great
change.
There.
G
So
150
million
dollars
for
the
sale
program-
I
won't
really
spend
any
time
for
on
this
other
than
as
it
says
here,
you
know,
74
percent
has
to
be
for
rehab
or
new
construction,
Etc,
Urban,
infill,
mixed
use
and
then
housing
near
military
installations.
So
you
know
we
don't
see
a
lot
of
those
military
installations
within
the
city
of
Clearwater,
but
that's
what
the
sale
program
is
is
geared
for
and
then
the
maximum
that
30
of
those
projects
are
for
our
use
of
public
lands.
Etc.
G
So
and
again,
that's
really
the
message
for
Developers
and
then
we
get
into
these
automatic
property
tax
exemptions
so
land
on
entirely
by
this
non-prof
by
a
non-profit
at
least
for
99
years.
So
this
could
be
right.
Community
Trust
this
could
be
Housing
Trust,
Fund,
Pinellas,
County,
Housing,
Trust,
Fund
Etc
for
up
to
moderate
income
households,
so
80
Ami
automatically
property
tax
exempt
newly
constructed
multi-family
developments
have
to
be
over
70,
affordable
units.
G
So
you
can
see
there
so
80
to
120.
You
get
an
automatic
75
percent
exemption
under
80.
You
get
100
percent,
so
those
are
very
significant
when
you
start
to
build
your
pro
forma.
It
certainly
was
a
concern
when
we
were
talking
about
306,
South,
Washington
and
I'll
have
an
update
on
that
and
a
little
bit
under
my
director's
report,
but
it
was
a
significant
concern
when
they
started
penciling.
Those
numbers.
G
So
we
have
a
local
option
here.
We've
not
brought
this
to
council
for
consideration
because
we
haven't
had
any
projects
come
forward
under
this,
but
we
have
the
opportunity
for
Council
to
consider
our
local
property
tax
exemption.
The
interesting
thing
about
this
is
the
exemption,
as
you
can
see
in
that
last
line.
G
If
the
city
were
to
choose
to
authorize
this,
it
expires
before
the
4th
of
January
1
after
adoption,
unless
it's
renewed.
So
this
is
not
a
guarantee
to
a
developer
that
they
will
be.
They
will
get
this
exemption
long
term,
but
it
will
get
that
developer
through,
probably
through
stabilization,
could
be
very,
very
helpful
to
them
as
they
consider
their
cash
flow
needs.
So
it
may
be
something
that
we
bring
forward
to
council
for
consideration
when
we
have
a
project
for
which
that's
appropriate.
G
G
Live
local
act
requires
that
we
updated
this
year
by
October
1,
so
we'll
be
bringing
that
forward
in
September
for
consideration.
We're
currently
reviewing
it,
but
the
local
act
has
some
other
Provisions
that
sort
of
broadens
the
scope
of
those
properties
that
we
evaluate.
So
this
is
City
and
Sierra
owned
properties
that
we
must
consider
for
appropriateness
for
affordable
housing,
but
because
some
of
the
changes
baked
into
the
live
local
act,
we
might
also
consider
some
commercially
zoned
Properties
or
perhaps
industrially
zoned
properties
that
might
be
appropriate.
G
There
are
other
considerations
that
we'll
be
looking
at
when
looking
at
that
broad
group
of
properties,
because
we
certainly
don't
wish
to
build
affordable
housing
in
a
Brownfield
or
I
should
say
next
to
a
Brownfield
or
or
a
heavy
industrial
or
some
of
those
other
things.
You
don't
want
to
create
an
environmental
justice
situation
simply
because
you
have
a
piece
of
property
that
you
can
build
upon,
but
so
there's
certainly
other
considerations
we
we
would
take.
G
So,
as
I
said,
City
and
Syria
with
properties
we
have
to
post
this
online,
our
affordable
housing
inventory
list
is
currently
online,
although
most
of
the
eight
properties
identified
on
there
have
been
either
encumbered
or
sold
some.
In
some
cases,
construction
is
complete
on
those
properties,
so
it
certainly
would
certainly
due
for
updating
of
that,
regardless
of
what
the
state
is
requiring
here,.
G
And
then
Partnerships,
so
you
know
Linda,
you
mentioned
this.
We
live
and
die
by
these
Partnerships.
So
so
let
me
look
at
money,
I
think
I
think
what
can
be
so
frustrating
for
folks
is
that
you
know
we
talk
about
all
this
money
that
we
have
that
we
have
to
spend.
G
But
the
sad
reality
is
it's
costing
about
three
hundred
thousand
dollars
per
unit
produced
so
yeah.
If
we
have,
you
know
a
million
dollars
or
10
million
dollars
to
do
the
math.
We
cannot
do
this
without
leveraging
private
investment
and
other
public
funds
that
may
be
available
developers
who
pursue
the
sale
program
and
other
things.
So
it
is
a
layering
of
different
funding
types,
a
very
delicate
dance.
J
G
So
it
is
and
Ms
Davis
said
it
very
well,
the
more
you
the
more
you
understand,
the
more
complicated
it
gets.
That's
true
words
have
probably
never
been
spoken,
particularly
in
this
day
and
age,
as
things
are
constantly
changing
in
the
marketplace,
but
we
do
work
hand
in
glove
with
with
our
partners
out
there,
because
we
we
have
to
it's
necessary
in
order
to
get
these
projects
done.
G
Clearly,
interests:
number
nine
here
is
break
Community
Trust
they've
not
been
very
active
with
us
for
quite
some
time,
so
we're
hoping
that
you
know
they'll
they'll
gear
up
and
we'll
they'll
find
some
opportunities
that
we
can
invest
in.
We
haven't
done
any
projects
with
them
in
the
last
couple
of
years
to
my
knowledge,
but
certainly
want
to
mention
that
they
are
Community
Land
Trust
that
can
take
advantage
of
these
incentives.
G
So
this
gets
to
that
commercial,
industrial,
mixed
use
stuff
that
I
mentioned.
So
this
is
kind
of
interesting.
So
if
the
Rhino
project
is
multi-family
or
mixed
use
in
any
Arizona
commercial,
industrial
mixed
use,
at
least
40
percent
of
those
units
are
affordable
for
households
up
to
120
percent
for
at
least
30
years,
and
if
mix
use
at
least
65
is
residential,
then
we
have
to
allow
to
build
multi-familiar
mixed
use
in
a
commercial
area
without
a
zoning
or
land
use
change.
G
So
when
you
think
of
our
downtown
core
and
the
density
we
have
here
versus
those
area,
neighborhoods
imagine
that
kind
of
density
in
those
neighborhoods.
So
the
unintended
consequence
is
a
really
good
idea-
may
not
be
well
received,
quite
possibly
if
we
really
were
to
approve
densities
at
that
downtown
core
level,
because
it's
technically
allowed
under
the
live
local
act
right.
So
there
are
some
inherent
challenges
with
really
good
ideas.
G
So
this
is
an
important
one
to
see
if
this
changes
over
time,
particularly
for
built
out
communities
such
as
ours,
because
this
poses
a
significant
challenge.
So
it
would
be
interesting
to
see
what
the
legislature
does
over
time
if
they
make
modifications
or
adjustments
to
this,
that
allow
that
provide
local
control
again.
But
this
is
these
are
very
significant.
Provisions
that
I
know
planning
and
development
is
sort
of
working
through
like
how
do
we
implement
this
I'll
also
be
consistent
with
our
comprehensive
plan
and
our
current
zoning
right.
G
Honestly
setbacks
parking
concurrency
all
of
those
things
and
that's
actually
going
to
limit
some
of
these
density
allowed
allowances
here.
So
thankfully,
the
state
did
not
preempt
us
on
this,
but
it
sort
of
sets
up
a
conflict
right
between
what
is
intended
and
what
is
still
still
allowed
to
be
considered.
G
G
So
here
you
know
we
would
love
to
see
affordable
housing
if
this
area
around
Baker
ballpark
is
certain,
is
to
be
developed
such
as
that
I
mean
this
is
concept,
it's
not
for
any
particular
project
that
we're
considering
now
is
just
a
visioning
exercise
that
we
did,
but
it
does
allow
affordable
housing
developments
in
commercial
and
Industrial
zones,
as
I
stated,
and
allows
for
maximizing
the
potential
of
larger
scale
developments
when
there's
an
affordable
housing
component.
G
So
we're
actually
doing
this
to
have
a
future
land
use
map,
zoning
codes,
height
density,
all
those
other
things
part
of
our
comprehensive
plan
process,
currently
we're
in
the
middle
of
that
anyway.
So
it's
I,
guess
timing
in
that
regard,
and
then
I
don't
know
that
the
calculation
has
been
done
for
how
much
land
is
eligible.
G
So
there's
certain
Provisions.
If
you
have
so
much
industrial
commercial
lands
as
a
percentage
of
your
lands
within
your
community,
then
certain
Provisions
sort
of
grab
hold
in
there.
We're
doing
that
analysis
currently
and
then
you
know
best
practices,
and
so
they
provide
some
some
examples
of
what
we
might
consider
as
best
practices.
These
are
some
of
the
things
that
I
know.
Gina
is
looking
through
right
now,
as
we
kind
of
tighten
up
that
that
comp
plan
process
here
are
some
examples,
too,
of
proposed
regulatory
toolkits.
G
G
We
kind
of
do
this
already:
the
Expediting
permitting
procedures
online,
that's
already
posted
in
our
affordable
housing
stuff.
It
precludes
State
funding
for
housing
to
local
governments
whose
comp
plans
are
not
in
compliance,
we're
working
on
ours
in
order
to
be
compliant,
and
then
sales,
tax,
refunds
on
affordable
housing,
subject
to
agreements
of
Florida,
Housing,
Finance,
etc,
etc.
G
I,
so
the
the
housing
Summit
was
a
collaboration
with
before
Pinellas
Pinellas,
County
Etc,
and
this
gets
choose
some
quarter
planning
that
we're
currently
doing
with
forward
Pinellas
on
on
the
U.S
US
19
Missouri
Avenue
South
we're
at
a
butts
Court
that
area
South
down
to
Saint
Pete
that
we're
kind
of
looking
at
that
as
sort
of
a
sunrunner
light
root.
G
That's
what
that
old
19
plan
is
that
we're
currently
reviewing
I'm
doing
some
I'm,
not
a
planner
but
I'm
pretending
to
be
one
in
this
effort
with
for
Pinellas
in
our
Planning
and
Development
Department.
So
that's
what
that's
referring
to.
There
is
densifying
those
corridors
where
we're
likely
to
see
or
desire
to
see
Transit
and
over
time,
bus,
rapid
transit
and,
in
fact,
that's
what
that's
speaking
to
there
I'm
going
to
skip
to
against
the
end.
G
F
B
B
B
B
Yeah
really
wow,
that's
and
and
the
original
100
million
from
last
fiscal
year
from
July
lasted
from
July
1st
2022
through
June
9th
2023,
so
it
was
11
just
over
11
months.
This
is
going
to
last
less
than
two
months.
G
B
Yeah
so
I
was
at
a
month
ago,
I
was
at
a
conference
for
the
Florida
Association
of
local,
affordable
local
Housing
Finance
authorities,
and
there
was
a
presentation
about
the
Hometown
Heroes
program
and
what
they
said
was
for
that
so
they're
calling
it
Hometown
Heroes
1.0,
which
was
last
year's.
This
year's
Hometown
Heroes
2.0.
B
So
for
Hometown
Heroes
1.0,
the
average
loan
mortgage
was
just
under
three
hundred
thousand
dollars,
so
the
average
amount
of
assistance
was
just
excuse
me
just
under
fifteen
thousand
dollars.
That
was
the
first
year
wow
and
the
maximum
someone
could
get
was
twenty
five
thousand
dollars
this
year
when
they
made
that
presentation.
It
was
literally
a
week
into
the
Hometown
Heroes
2.0
and
the
average
loan
size
was
about
three
hundred
and
fifteen
thousand
dollars.
B
So
it
only
had
you
know
it
was
still
around
the
same,
and
the
average
assistance
was
just
over
fifteen
thousand
dollars.
So,
although
the
maximum
amount,
someone
could
get
went
up
to
thirty
five
thousand
dollars,
you're
still
in
that
300
000
loan
amount,
fifteen
thousand
dollar
assistance
yeah,
and
it's
just
because
it
at
first.
B
Our
first
thought
was
because
there
was
that
pent
up
need
for
that
three
weeks,
that
it
wasn't
available
that,
maybe
that's
why
that
first
week
went
like
gangbusters,
but
obviously
it
hasn't
stopped
so
they're
offer
it
offers
lower
interest
rates
generally
than
the
market,
and
you
get
you
know,
give
or
take
fifteen
thousand
dollars
in
assistance.
B
G
B
And
and
yes
and
you're
right,
though
there
and
Linda
said
it
as
well,
there
are,
there
are
lenders
who
will
leverage
it
with
the
city
of
Clearwater
Assistance
or
the
City
of
St
Petersburg
Assistance,
or
the
Pinellas
County
assistance.
E
Bring
an
expertise
of
what
you
know:
people
where
you
where
people
can
find
help
and
so
I
would
ask
you,
as
a
board
member,
to
look
at
our
website,
Mike
Clearwater,
and
give
suggestions
that
would
teach
us
how
to
have
a
better
resource
guide
on
the
non-profits
that
you
work
with
or
know
about.
That
would
enhance
our
own
residents
finding
help
the
website
they
keep
updating
all
the
time
Denise
and
your
team.
Thank
you.
It's
got.
E
H
G
G
You
think
so,
so
you
can't
be
a
remote
worker
working
out
of
your
home
working
for
a
company
located
in
New
York
state
as
an
example.
It
must
be
a
business
that
has
a
brick
and
mortar
facility.
Okay,
you
must
be
a
full-time
employee
of
that
now
you
can
still
be
a
remote
worker,
but
your
employer
must
be
based
in
Florida,
very.
A
See
no
one
else
coming
forward:
I'll
close
public
comment
period
And,
since
this
is
informal
informational.
Only
we'll
move
on
to
item
five
old
business.
Do
we
have
any
old
business,
Miss
Anderson?
No,
we
do
not,
and
with
that
we'll
move
on
to
the
director's
report,
do
you
have
anything
additional
to
report
Miss
interesting.
G
So,
firstly,
I'd
like
to
welcome
back
Chuck
Lane
back
to
his
role
as
assistant
director.
He
is,
of
course,
overseeing
the
affordable
housing
division,
so
he's
had
the
luxury
of
sitting
here
today,
no
pressure
just
enjoying
this
wonderful
conversation
chatting
in
if
it
feels
like
it,
but
next
month,
he'll
be
taking
the
seat
back,
presumably
right
there
and
I'll
have
the
luxury
of
to
hanging
out
and
chiming
in
when
I
feel
like
it
welcome
back
John.
G
Second,
last
month,
I
talked
about
bringing
forward
an
item
related
to
306
South
Washington,
a
home
loan
for
1.763
million
dollars,
and
it
didn't
come
forward
on
your
agenda.
So
the
reason
for
that
is
honestly
Insurance
changes
like
you
know.
This
is
a
kitchen
table
discussion
that
a
lot
of
folks
are
having,
whether
they
at
home
or
they're,
a
renter
and
their
rent's
gone
up
and
learn
in
some
cases
because
of
insurance
changes
that
that
property
owner
is
facing
so
very
significant,
sometimes
doubling
or
more
of
insurance.
G
Well,
it's
hitting
these
developers
as
well,
so
new
quotes
for
insurance
were
provided
and
you
have
to
go
through
and
reset
your
performance
to
address.
All
of
those
things
so
those
another
shift
in
interest
rates.
All
of
those
things
require
that
further
analysis
is
conducted
can't
quite
get
to
the
Finish
Line.
You
have
to
redo
your
pro
forma
and
that
delay
then
causes
us
to
go
back
or
causes
the
developer
to
go
back
and
reconfirm
contractor
pricing.
G
So
it's
this
vicious
cycle
that
we're
dealing
with
the
good
news
is
we're
continuing
to
March
forward
we're
getting
closer
and
closer
to
that
finish
line
I'm
hopeful
that
we
can
bring
It
Forward
in
September.
It
really
just
means
you
know
that
that
timing
will
be
dictated
by
when
the
bond
underwriting
is
done.
Tax
exempt
bonds
are
going
to
be
floated
for
this
project
as
well.
Siri
is
a
very
big
contributor.
This
project
is
located
in
downtown
CRA,
the
downtown
Gateway
area.
G
They
are
selling
the
land
at
3.8
million
dollars
to
the
Housing,
Trust
Fund
and
then
reinvesting
the
proceeds
from
that
sale
back
into
the
project,
they're
also
contributing
to
the
construction.
This
project
lab
Structure,
Parking,
they're,
contributing
880,
000,
800,
000
I
believe
toward
the
construction
of
of
some
public
parking
spaces
there.
This
project
was
a
former
Clearwater
Auto
Salvage
site
many
many
years
ago.
It
was
a
very
significant
Brownfield
project
for
us
it
did
receive
from
Department
of
Environmental
Protection
a
site
rehab
completion
order.
G
However,
when
developer
was
out
doing
some
testing
on
the
site,
soil
testing
and
the
like
really
to
check
how
we
can
interestingly
found
a
concrete
bolt
that
was
previously
undetected,
so
there's
some
additional
work
that
needs
to
be
done
in
site,
prep,
so
series
contributing
those
funds
and
then
they're
contributing
funds
for
pre-construction
costs
so
somewhere
in
the
neighborhood
of
nearly
five
million
dollars.
Ultimately
out
of
the
CRA
Plus
plus
1760,
and
one
of
the
big
reasons
for
this
very
very
large
subsidy
on
this
project
is
that
173
units
as
I
mentioned.
G
It
is
the
tax
how
tax
assesses
assessments
are
done
on
property
is
different,
so
perhaps
they'll
take
be
able
to
take
advantage
of
some
of
the
tax
exemptions
there,
but
some
of
the
things
that
don't
exist
in
the
80
Arena
drive
up
the
costing
us
80
to
120,
and
most
of
these
units
are
within
that
income
strata,
though
some
are
below
that
80
mark.
G
But
as
I
said,
Structure
Parking
is
a
part
of
this,
and
that
is
a
big
expense,
but
because
the
the
goal
for
the
city
in
this
area
is
to
have
a
more
urban
urbanized
development
pattern.
The
developer
is
including
that
in
this
project,
but
it
does
require
public
subsidy.
Connie
is
a
participant
as
well,
not
only
in
the
Housing
Trust
Fund,
but
some
other
sources
of
funding
that
they'll
be
bringing
so
getting
to
this
layered
thing
a
lot:
a
lot
of
players
in
this
Peter
Leach.
G
Unlike
some
of
the
other
projects
that
they've
done
under
the
Southport
Banner
Peter
is
just
the
developer
on
this
project.
As
I
mentioned
previously,
I
think
Clearwater
Housing
Authority
will
be
the
owner
operator.
The
facility
ones
constructed
so
we're
marching
toward
a
Finish
Line,
but
that
that's
why
the
delay
quite
honestly,
is
because
insurance
is
the
most
recent
reason.
I
Can't
remember
early
on
it
was,
it
was
just
a.
It
was
less
than
5.
The
numbers
have
fluctuated,
I
can't
remember
if
they
needed
the
bonus
or
not.
If
they
do
it
won't
be,
it
won't
be
problematic
at
all.
One
of
the
things,
I
might
add
we're
required
with
a
home
subsidy
to
do
a
home
subsidy
analysis.
Thank
you.
Thank
you.
So
it's
a
pretty
deep
dive
in
a
project
like
this,
because
performers
are
pretty
complicated.
We've
hired
a
consultant
who's,
a
skilled
underwriter.
I
G
D
G
Loan
program,
I
think
so
I
think
you
know,
I
have
to
beg
ignorance
here,
because
Diane
Hufford,
who
left
his
retired
several
years
ago,
that
was
her
baby
and
I
know
she
received
some
awards
around
the
state
as
a
result
of
those
efforts,
it
was
a
huge
cleanup.
It
was
an
auto
salvage
yard,
so
you
can
imagine
the
metals.
G
Stay
it
stay
at
Hubbard
is
a
hero
around
the
state
of
Florida.
So
yes,
but
so
it
was
a
surprise
to
find
a
concrete
Bowl.
We
presume
that
it's
empty,
you
don't
really
know
what's
in
it,
but
obviously
it
will
need
to
be.
G
I
also
mentioned
in
July,
proposed
changes
to
the
cdbg
facade
loan
to
grant
program
and
because
this
program
didn't
actually
require
Council
action,
I'm,
not
bringing
it
forward
as
a
recommendation
for
you
all
really.
This
is
informational
only
we
did
make
changes
to
that
program.
So
previously
the
program
provided
up
to
thirty
five
thousand
dollars
as
a
loan
to
grant
for
business
owners,
but
also
required
that
they
contributed
notice
in
20
percent
investment
in
their
projects.
G
We've
recently
made
changes
to
that
to
go
to
sixty
thousand
dollars,
so
we
nearly
doubled
the
loan
amount
and
reducing
in
our
contribution
to
ten
percent
with
a
24
month.
Look
back
so
if
that
property
owner
or
business
owner
who's
made
an
investment
in
that
property
in
the
last
two
years
in
an
amount
equivalent
to
10
percent
of
the
loan
that
they're
seeking
will
consider
that
for
the
facade
loan
degree.
So
a
couple
of
reasons
for
that
one.
G
The
primary
objective
is
not
to
see
how
much
money
a
property
owner
can
invest,
but
rather
to
see
improvements
to
Blended
conditions
or
improvements
to
facades,
businesses
that
are
located
in
a
lot
of
moderate
income
area
or
that
are
serving
a
low
to
moderate
income
clientele.
And
so
we
wanted
to
encourage
those
kinds
of
Investments
encourage
those
kinds
of
improvements
to
those
facilities
and
those
facades,
if
you
will
and
because
the
project
is
funded
by
cdbg.
G
That
means
that
we
have
to
comply
with
all
the
usual
things
similar
to
a
public
facility
project,
so
that
includes
environmental
review.
A
very
extensive,
extensive
and
intensive
review
process
for
staff
is
environmental
review
record
a
competitive
bid
process,
compliance
with
Davis
bacon
and
the
like.
So
it's
a
lot
of
Staff
time
and
money.
If
you
will,
if
we
were
paying
ourselves
for
those
on
an
hourly
rate,
and
we
really
just
felt
that-
and
we
would
rather
get
a
bigger
bang
for
for
that
buck.
G
In
this
program,
no,
the
Craver,
which
is
generally
you
know
within
an
early
amount
of
income
areas
of
North,
Greenwood
and
Gateway.
They
have
programs
that
support
interior
build
out,
certainly
in
our
current
CRA
in
the
downtown
I,
don't
believe
any
programs
have
yet
been
approved
for
the
north
Greenwood
CRA,
though
that
plan
is
now
in
place,
I
believe
prior
to
Dr
Matthew's
departure.
Yesterday,
no
programs
that
had
come
forward
under
that
just
yet
but
I
anticipate
that
it.
G
Yes,
yes,
thank
you
Chuck
yeah
and
then
in
October,
we'll
begin
quarterly
updates
on
our
public
services
and
Facilities
projects,
and
this
is
in
direct
response
to
request
made
of
this
board
at
the
last
meeting.
So
we'll
start
that
process
in
October
I'll
mention
that
bill
will
present
that
in
October
the
numbers
will
not
be
finalized
for
the
fiscal
year
which
will
have
just
ended.
G
At
that
point,
it
takes
us
a
little
bit
to
to
get
the
final
bills
in
from
our
invoices
in
from
our
non-profits
to
close
out
that
process,
but
we'll
begin
reporting
on
it.
So
you'll
get
some
information:
1003
West
Avenue
in
North
Greenwood
for
more
familiarly
known
as
Palmetto
Park
Apartments.
This
project
Hall
King
management.
G
We
did
subordination
kind
of
work
with
them
a
while
back
to
support
their
suit
to
rehab
179
units
out
there
at
Palmetto,
Park
Apartments,
due
to
some
crossover,
runs
remediation
of
asbestos
that
was
unknown
to
them
before
a
need
for
site
security,
improvements,
fencing
cameras,
lighting
that
kind
of
stuff.
They
approached
us
in
Housing,
Finance,
Authority
of
Pinellas
County
for
some
additional
funds.
So
HFA
is
coming
forward
with
500
000
city
is
coming
forward
with
five
hundred
thousand
dollars,
that's
being
funded
at
174
thousand
dollars
by
ship
and
the
balance
of
it.
G
G
On
Thursday
August
10th,
we
will
officially
be
kicking
off
our
housing,
our
Citywide
housing
study
with
SB
Friedman,
the
consultant
on
the
project.
It
would
take
three
to
four
months
to
complete
it'll
culminate
in
a
consultant
facilitator
workshop
with
Council
I'll.
Invite
you
all
to
to
attend
that
with
us.
That
won't
be
because
of
the
cost
of
the
consultant.
We
won't
have
them
in
town
for
two
meetings,
so
this
is
going
to
be
delivered
directly
to
council
and
I'll.
Invite
you
all
to
that
Workshop.
G
But
one
of
the
things
that
we
anticipate
is
that
recommendations
coming
out
of
the
state
will
provide
provide
guidance
on
a
number
of
housing,
related
policies
and
goals,
not
just
affordable
and
Workforce
housing,
but
market
rate
and
other
housing
related
concerns
that
we
have.
So.
G
As
I
mentioned,
we've
been
working
on
a
compiling
a
list
of
all
city
and
Syria
on
properties,
so
we'll
be
bringing
that
forward
in
September
and
on
kind
of
jumping
all
over
the
place.
Sorry
this
was
weightless
on
Friday,
August,
11th,
typically
Neighborhood
Housing
Services,
formerly
news
Clearwater,
Neighborhood,
Housing
Services
we'll
be
hosting
a
dedication
of
a
new
single
family
home
at
924,
Seminole
Street.
G
So
if
any
that's
at
10
30
in
the
morning-
and
it
is
expected
to
last
probably
about
30
minutes,
I'm
sure
Frank
and
his
team
would
love
to
see
you
there
if
you're
able
to
attend
and
then
finally
I
wanted
to
share
with
you
an
update
on
Arco
local
fiscal
recovery
funds.
So
we
don't
really
talk
about
this.
We
haven't
really
talked
about
this
much
because
it's
one
of
those
things
that
really
isn't
regulated
so
but
I
thought.
Well,
you
know
we
have
these
monies.
We
really
should
share
with
you
what
we're
doing.
J
G
Earthly,
local
fiscal
recovery
funds
City
receipt
20
nearly
22.5
million
dollars
in
the
process
to
allocate
These
funds,
the
housing
division
received
3.3
million
dollars,
and
you
can
probably
barely
see
that
so
I'll
zoom
in
here
a
little
bit
3.3
million
dollars
that
was
in
November.
We
brought
forward
to
council
a
plan
for
how
we
wish
to
expend
those
funds.
G
You
can
see
the
the
different
programs
there
that
we
made
recommendation
for
and
Council
supported,
but
I
just
want
to
give
you
an
update
of
kind
of
how
we
are
we're
not
performing
quite
as
well
as
Hometown
Heroes
is
seemingly,
but
we're
doing
pretty
well
currently.
G
So,
as
you
can
see,
there,
we've
been
coming
about
69
of
that
3.3
million
dollars.
We've
dispersed
41
of
that
total
allocation
with
28
of
it
still
pending.
Total
number
of
projects
is
67,
but
I
wanted
to
draw
your
attention
to
this
emergency
grant
program.
G
So
this
has
been
really
incredible.
For
us,
I
won't
say
easy,
but
the
communities
responded
really
well
to
this,
as
you
can
see,
51
projects
a
lot
in
the
pipeline.
Actually,
this
is
51
that
we
have.
We
have
expended
the
funds
on
so
51
projects.
G
This
is
up
to
five
thousand
dollars
to
address
safety,
prevent
it
or
or
address
a
deteriorating
condition
or
Ada
improvements.
So
our
loan
programs
are,
you
know
they
begin
at
like
ten
thousand
dollars
because
of
the
work
involved
in
doing
a
loan,
and
we
realize
there's
this
Gap.
We
could
address
issues
before
they
get
to
that
level
of
expense.
We
can
address
some
of
these
more
urging
concerns
for
our
homeowners
with
this
emergency
Grant.
G
This
grant
is
also
we're
able
to
utilize
it
in
mobile
home
parks,
which
a
lot
of
our
programs
preclude
us
from
doing
so.
Anybody
here
owning
a
home
is
eligible
to
apply
for
this
emergency
Grant
so
long
as
they
meet
income
qualifications
under
120
Ami,
and
so
we
still
have
to
go
through
and
do
income
calls.
You
know,
certified
income
identify
an
eligible
condition.
G
Then
the
homeowner
is
charged
with
going
out
and
finding
a
licensed
contractor
to
do
that
work
and,
if
required,
you
know,
permit
all
those
things
we
communicate
with
that
contractor.
G
It
really
just
kind
of
depends
on
what
work
is
being
done
there
and
then,
once
that
work
is
complete,
we
direct
payback
contractor,
so
it
the
money
is
not
going
into
the
hands
of
a
homeowner
who
might
decide
to
pocket.
It
well
continue
to
live
with
a
deteriorating
condition.
It
is
we're
making
sure
that
the
project
is
complete
and
direct,
paying
and
able
to
use
our
our
credit
cards
actually
to
direct
pay.
Those
contractors,
so
they
get
paid
very,
very
quickly
polar
gets.
G
I
I
may
suggest
to
City
management
at
some
point
that
they
consider
once
these
funds
have
expired,
that
they
consider
contributing
general
fund
revenues
to
this
kind
of
effort,
because
I
think
there's
a
lot
of
benefit
to
be
able
to
hand
handle
some
of
these
concerns
before
they
become
larger
issues.
G
G
The
other
residential
development,
single-family
construction
and
otherwise
is
we're
utilizing
some
of
these
arpa
funds
for
them.
Quite
often,
it's
just
supporting
other
funds
that
are
being
expended
so
we're
able
to
stretch
dollars
sort
of
that
later
leveraging
again
in
order
to
get
there.
So
we're
moving
very
quickly,
we're
obligated
to
encumber
and
expand
all
of
these
funds
by
the
end
of
2026.
encumber
by
the
end
of
24.
Don't
suspect
that
we'll
have
any
issue
in
covering
by
the
end
of
24
or
expending
by
the
end
of
2026..
H
A
E
B
I
would
like
to
say
the
same
thing,
but
also
thank
you
to
Gabby,
who
has
is
no
longer
on
the
board,
but
you
know
thank
you
for
what
she
did
she's
done
for
the
board.
Thank
you.
K
D
Regarding
rental
assistance,
there's
a
lot
of
Agents
agents,
they
may
be
unknown
to
you,
Miss,
Davis
and
others,
but
I'll
be
happy
to
work
with
you
to
identify
some
of
those
services
that
are
available
and
I
will
say
my
experience
with
it
is
kind
of
a
round
about
thing,
especially
when
you
call
2-1-1
they
send
you
to
someone
else
who
can't
help
you
and
it
just
goes
back
and
forth
so
to
identify
what's
available
and
who
provides
it.
I
think
would
be
helpful
to
the
community
because
it
is
confusing
I'm.
D
A
The
part
of
the
difficulty
is
one
agency
may
have
dollars
this
month,
but
rental
dollars
can
chew
up
a
budget
real
quick,
so
dollars
can
be
available
one
month
and
not
the
next,
so
keeping
track
of
who
who
has
those
dollars
available?
It
can
be
a
difficult
task,
plus
a
lot
of
agencies
will
put
on
sustainability
requirements,
which
then
limits
the
amount
of
assistance
that
can
be
provided.
So
it
is
difficult
to
work
through
that
process,
but.
A
Our
next
nahab
meeting
is
scheduled
for
Tuesday
September
12
2023.
Our
meeting
will
convene
here
in
council
chambers,
at
the
main
library
immediately
following
the
first
meeting
of
the
affordable
housing
advisory
committee
meeting,
which
is
scheduled
for
9
A.M.
We
do
not
have
an
exact
start
time
for
our
meeting,
but
it
will
we
will
take
it.
We
will
adjourn
the
committee
meeting
and
take
maybe
a
five
minute
break
and
then
move
into
our
nahab
meeting.
At
that
point,
the
meeting
is
adjourned.
Thank
you.
Everyone
for
your
time
today.