►
From YouTube: Neighborhood & Affordable Housing Advisory Board 3/8/22
Description
Comments are not monitored on this platform. To make a comment, please visit www.myclearwater.com/government/council-meeting-streaming-videos or one of our social media pages.
Agenda can be found here: http://bit.ly/ClearwaterCityCouncilMeetings
A
B
The
agenda
for
today's
meeting
is
on
the
wall
at
the
entrance
of
chambers.
Please
remember
to
turn
on,
through
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
and
we
have
a
new
board
member
with
us
today.
B
Robin
phil
is
filling
the
seat
vacated
by
linda
kemp,
whose
term
expired
in
december.
Robin
has
more
than
15
years
of
experience
as
a
mortgage
loan
or
originator.
Excuse
me
and
she's
worked
with
every
affordable
housing
program
throughout
the
tampa
bay
area.
She
currently
works
for
sonova's
bank
and
she
also
serves
as
the
board
chair
for
the
pinellas
county
housing
finance
authority,
robin
welcome.
I
know
you
have
a
wealth
of
experience
and
we
look
forward
to
working
with
you.
Would
you
like
to
say
a
few
words.
C
B
Everything
else
was
correct,
though:
yes,
okay,
good,
all
right
great.
Well,
now
we'll
ask
the
remaining
board
members
to
introduce
themselves
and
identify
the
fields
you
each
represent
and
we'll
start
with
miss
santiago
carmen.
E
Kevin
chanel
with
representing
the
nonprofit
industry,
peace,
scalia.
B
Your
board
chair,
camille
huffington.
I
represent
the
employers
within
the
city
of
cleveland
all
right,
so
our
first
order
of
business
is
to
approve
the
minutes
of
our
board's
december
14th
meeting.
May
I
have
a
motion
to
approve
item
2.1
so
in
the
second
all
in
favor.
B
Item
three
is
citizens
to
be
heard
regarding
items
not
on
the
agenda?
Is
there
anyone
here
to
speak
two
items
not
on
today's
agenda?
If
so,
please
step
to
the
podium
and
state
your
name
and
spell
your
last
name
for
the
record,
you
will
have
three
minutes
to
speak
on
a
subject
that
is
not
on
today's
agenda.
B
So
in
new
business
items,
we're
gonna
shuffle
the
order
a
little
bit
just
giving
you
all
a
heads
up,
but
we
will
start
with
4.1
recommend,
city
council
approval
of
the
economic
development
and
housing
department
lot
disposition
program,
mr
lane.
I
I
Okay,
so,
as
you
all
know,
we
are
recipients
of
state
housing,
initiative,
partnership,
program
funding,
and
because
of
that,
we
are
required
to
keep
an
inventory
of
city-owned
property
that
may
be
available
for
affordable
housing.
City
council
approves
that
every
three
years
it's
a
requirement
by
statute
right.
So
the
reason
the
state
requires
us
to
do.
That
is
because
it
really
it
puts
developers
on
that
we're
required
to
post
that
publicly
put
it
on
our
website.
I
We
have
two
properties,
I
think,
for
single
family
homes
that
remain
on
that
list.
One
of
them
we're
working
through
a
quiet,
title
action
and
the
other
will
probably
be
the
first
property
that
we
dispose
of
through
this
policy.
Okay.
So
how
did
we
do
it
before
you
know?
Developers
would
see
that
list.
I
So
what
this
does
is
this
creates
a
a
transparent
and
competitive
process
for
us
to
decide
who
those
properties
go
to
for
development
of
affordable
housing.
Okay,
something
that
that's
government.
We
really
need
to
have
in
place,
so
this
is
modeled
largely
after
a
program
that
st
pete
has
in
place.
Okay,
it's
kind
of
started
with
that.
There's
some
significant
change.
You
know
differences
between
their
program
and
this
one,
but
I
think
what
we
have
is
something
that
that's
defendable
and
I
think
it
works.
So
really
what
what
it
is.
I
You
know,
first
and
foremost,
we'll
we'll
we'll
put
a
call
out
to
developers
and
find
out
who's
interested
in
being
on
a
list
of
developers,
a
list
of
interested
developers,
a
lid.
We
always
have
to
have
an
acronym
right.
I
So
so
what
we'll
do
is
we'll
vet
those
those
those
groups
will
make
sure
that
they're
solvent
financially
solvent
legally
entitled
to
own
a
business
in
florida.
You
know
just
the
kind
of
the
routine
things,
then
you
don't
need
to
know
that
you
know
they
have
the
ability,
the
business
acumen
to
build,
build
about
these
homes,
really
basic
stuff:
the
ability
to
sell
homes
to
income
qualifying
home
buyers.
So
these
are
things
that
we'll
make
sure
and
we'll
vet
them
and
then
we'll
through
that
process,
and
I
think
very
quickly.
I
We
can
come
up
with
a
list
of
interested
developers.
Okay,
so
then
what
happens
is
when
we
have
a
property
that
is
available
for
donation
or
sale.
We'll
convene
a
property
disposition
committee.
It
would
be
kind
of
a
subset,
not
necessarily
the
whole
board
that
that
would
be.
Three
people
will
be
on
that
committee
and
it
will
be
a
member.
I
It
will
be
myself
a
member
of
the
planning
and
development
department,
hopefully
gene
clayton,
the
department
director
and
the
chair
of
the
nehab,
and
what
we'll
do
is
we'll
we'll
go
through
each
application
and
we'll
in
the
property
disposition
committee
will
score
each
application.
So
we'll
have
you
know,
rankings
number
one
number
two,
and
and
that's
really
how
you
know
it's
it's
pretty
much
as
simple
as
that.
So
so
what
is
the?
I
What
is
the
criteria
that
we're
going
to
be
ranking
people
on
so
we're
going
to
ask
questions
that
are
going
to
help
us
answer
these
questions
as
made
as
a
property
disposition
committee,
so
you're
registered
non-profit
organization
that
that
gets
two
points.
If
you're,
not
if
you're,
if
you're,
not
a
non-profit,
it
gets
less
points.
Nonprofits
are
always
more
community
focused
and
we
prefer,
you
know,
to
work
work
with
those
folks.
Have
you
received
a
lot
through
the
cities
lot
disposition
program
within
the
last
12
months.
I
We
want
to
encourage.
You
would
want
this
to
help
not
just
one
organization
you
know.
So
if
you
have
acquired
property
through
this
program
in
the
last
12
months,
you
don't
get
a
point,
we're
trying
to
get
we're
trying
to
get
this
to
more
developers,
not
just
focus
on
on
the
one
best
developer.
I
You
know
we
want
to
kind
of
spread
the
wealth.
If
you
will
a
lot
of
you
know,
we
want
to
focus
a
little
bit
on
speed.
How
quickly
do
you
anticipate
commencing
vertical
construction,
the
quicker
the
better?
I
You
know
our
funding
sources
have
timelines,
and
if
we
don't
meet
those
timelines
we're
penalized,
so
we
want
to
encourage
a
faster
process
from
the
date
of
acquisition.
How
many
months,
sorry,
how
many
months
to
anticipate
selling
property
against
speed.
We
can't
go
past
18
months,
particularly
with
the
home
program.
I
You
have
experience
assisting
home
buyers
and
obtaining
financing
for
homes
limited
by
income.
Eligibility.
Obviously,
very
important
part
of
the
program:
do
you
have
experience
providing
future
existing
homeowners
with
home
buyer
education?
Another
important
component?
Does
your
organization
work
specifically
within
or
own
any
other
property
within
two
miles
of
the
subject,
lot
familiarity
with
clearwater,
and
you
know
our
neighborhood
are
our
permitting
processes
that
that
all
that
all
weighs
into
that
has
your
organization
constructed
any
other
homes
within
two
miles
of
the
subject
lot
within
the
last
year.
Again,
familiarity
is
important
to
us.
I
I
Obviously,
if
we
can
leverage
our
lot
to
build
another
lot
as
well,
I
mean
that's,
that's
a
really!
That's
an
important
thing,
we'll
take
advantage
of
that
opportunity.
So
that
gets
additional
points.
Does
your
organization
own
or
control
property
adjacent
to
the
site
offered
for
for
disposition
that
you're
willing
to
combine
with
the
site
to
provide
for
a
more
desirable
development
opportunity?
So
I
think
this
is
a
very
important
criteria,
because
if
we
have
a
lot
that
you
know,
some
of
the
lots
in
north
greenwood
are
planted
at
35
feet
wide
right.
I
You
can't
do
it,
I
mean
you
can
build
a
home
on
it,
but
you're
very
limited.
So
if
we
have
a
developer
that
owns
the
lot
next
door
and
is
willing
to
to
include
that
lot
to
make
it
a
more
desirable
development
opportunity
and
more
development
options.
I
think
that's
really
important
to
the
point
where
I
think
that
this
position
that
the
property
disposition
committee
should
decide.
I
You
know
how
many
points
to
give
in
that
case,
because
that
may
be.
You
know
in
some
cases,
if
it's
a
really
challenging
lot.
That
may
be
the
determining
factor.
You
know
so
so
that
that's
important
that
we
do
that
and
then
we
get
into
some
environmental
features.
We
include
rooftop
solar
panels
or
other
features
to
substantially
reduce
energy
costs
for
the
homeowner.
If
they
do,
if
they're
going
to
do
solar,
that's
the
most
amount
of
points
under
this
category
other
features
that
we'll
have
to
evaluate
on
a
case
by
case.
I
It
also
helps,
I
think,
we'll
we'll
want
something
to
exceed
the
hud
minimum.
Like
energy
star
appliances,
I
mean
that's
all
good
and
all
but
we'd
like
to
see
something
stronger
than
that,
and
also
the
next
question,
will
you
install
electrical
vehicle
charger,
or
at
least
rough
wiring?
That's
that's
important
as
well.
I
mean,
if
they're
willing
to
do
that,
we're
not
going
to
make
them
put
the
com.
I
You
know
necessarily
the
the
component
in,
but
if
it's
rough
wired
when
when
that
homeowner
does
eventually
get
an
ev
car
electric
vehicle,
it's
a
quick
fix
to
install
that
that
you
know
that
feed.
So
I
think
those
are
good
features
as
well,
and
you
know
there
are
also
some
some
things
here
that
that
a
developer
is
going
to
represent
that
they're
going
to
do.
If
they
don't
accomplish
those
things,
then
you
know
they
got
a
higher
score
than
they
should
have.
I
So
if
that's
the
case,
we're
going
to
exclude
them
from
the
program,
if
that
happens,
we'll
exclude
them
from
the
program
for
12
months.
Okay,
there
are
things
that
can
happen
that
are
out
of
the
developers
control
like
speed.
You
know
we
had
a
pandemic.
We
all
know
what
happened
with
construction
prices
and
the
ability
to
to
get
goods
and
and
to
get
construction
materials.
I
You
know
that
kind
of
thing
is
an
understandable
delay
that
we
would
factor
in.
So
if
they're,
you
know,
mitigating
circumstances
can
be
considered.
You
know
in
cases
like
that,
so
so,
once
the
property
disposition
committee
lands
on
a
recommendation,
the
highest
scoring
developer
will
come
to
the
naha
and
we'll
explain
that
I'll
present
that
to
you,
this
board
can
agree
with
that
recommendation.
You
can
come
up
with
a
different
recommendation.
I
That's
entirely
up
to
you.
We'll
have
that
discussion
here
as
a
board,
and
then
I
will
go
to
council
with
a
recommendation
for
council.
Ultimately,
you
know
anytime,
we
dispose
of
property.
Sell
transfer,
donate
anything
like
that.
That
requires
council
approval,
so
it's
ultimately
their
decision,
we're
just
through
this
process
we're
going
to
arm
them
with
good
information,
so
they
can
make
a
good
decision.
So
that's
really
what
this
this
process
is
about.
So
I
think
it's
you
know
dramatic
improvement
on
what
we've
done.
You
know
we
can
make
you
know
as
we
go
through.
I
G
Any
questions
yeah.
I
have
a
question
sure
thank
you
chuck
for
the
presentation
and
for
your
efforts
in
putting
all
these
together
on
number
three,
when
you
say
from
date
of
acquisition
within
how
many
months
do
you
anticipate
comments
in
vertical
construction?
G
So
you
have
three
and
six
months
so
you're,
giving
more
value
to
the
three
months
but
correct
honestly,
based
on
on
my
experience
with
habit
that
rarely
anyone
will
be
able
to
get
any
vertical
construction
within
three
months
of
acquisition.
I
mean
because
once
you
obtain
the
property,
then
you
start
all
the
permitting
process
and
you
cannot
touch
the
property
for
water
meters
or
things
like
that
prior
to
that,
so
the
three
month
is
really
it's
really
not
going
to
work.
G
For
I
mean
it
may
work
for
habitat
once
in
a
while,
but
it
definitely
won't
work
for
other
organizations
in
the
field
I
mean,
I
don't
feel
that
that's
accurate.
You
know
it's
not
really
giving
more
people,
so
anyone
can
say
yes,
three
months,
but
the
reality
is
is
very
rarely.
Anybody
will
have
any
vertical
construction
at
three
months
after
acquisition.
G
I
That's
a
really
good
feedback,
because
that's
one
of
the
criteria
that
if
they
don't
meet
that
deadline
now
they're
out
of
the
program
for
12
months.
So
we
have
to
be
very
careful
about
what
we're
asking
here
right.
So
would
you
would
you
recommend
that
we
kick
that
to
say
six
and
nine
months,
six
and
nine
months
definitely.
G
Yeah,
okay,
another
thing
is
also
you
know:
selling
the
completed
home
to
a
qualified,
buyer
and
and
also
those
criterias
are
very
strict,
because
I
mean
again
honestly:
habitat
is
very
successful
in
building
the
home
within
that
nine-month
period,
but
if
you
really
want
to
open
it
to
other
affordable
housing
providers,
I
don't
think
the
the
timing.
Is
it's
flexible
anyways.
G
So
I
understand
about
the
18
months
because
you
said
the
the
money
has
to
be
distributed
by
the
18
month,
timeline
right,
but
maybe
maybe
giving
them
another
criteria
of
points
for
the
9,
12
and
15
months
would
be
appropriate.
I
mean
I
don't
know
I
mean,
because
you
have
one
two
and
three
so
there's
no
much
more
to
to
go,
buy
it,
but.
B
G
B
A
B
12
months
yeah
would
that
be
possible
chuck
to
remove
the
nine
months
criteria
on
here
and
just
do
the
12,
15
and
18
yeah.
I
G
On
number
eight
you
had
your
question
is:
has
your
organization
constructed
any
other
homes
within
two
miles
of
the
subject
lot
line
in
the
last
two
years,
but
at
the
same
time,
on
number
two,
I
don't
want
to
use
the
word
penalizing
but
you're
not
giving
points.
If
you
have
received
anybody,
I
mean
any
property
from
the
law
disposition
program.
So.
I
Well,
number
eight
thinking
that
was
intended
to
be
a
bill
that
wasn't
part
of
this
program.
Okay,
you
know,
maybe
I
can
clarify
that.
Okay,
but
you
know
obviously
two
is
intended
to
try
to.
You
know
have
that
family
is
a
really
strong
organization
and
they're
gonna
score
very
well
on
on.
I
You
know
on
each
of
these
programs-
and
you
know
without
something
like
this-
it
could
mean
habitat
scores
the
highest
on
on
most,
if
not
all,
right
and
habitat's
great,
but
you
know,
I
think,
it's
important
that
we
work
with
other
communities,
community
development
programs
as
well.
There
are
other
non-profits
in
our
city
that
want
access
to
this
program.
So
that's
it's
really
just
intended
to
kind
of
kind
of
get
others
involved.
G
I
B
And
to
follow
up
with
with
what
gabby
mentioned,
maybe
because
right
now,
if
you
have
received
a
lot
through
the
lot
disposition
program,
but
then
you
also
develop
something
within
two
miles.
Those
two
points
kind
of
negate
themselves
right,
so
you
get
zero
at
the
first
question
and
but
then
you
get
one
and
the
other
one.
Maybe
there's
a
way
in
order
to
make
this
new
process
a
little
bit
more
inclusive.
Maybe
question
two
should
have
a
higher
wage
than
than
the
other
question
to
question.
Eight
that
we
were
just
looking
at.
B
Maybe
if
we
want
to
be
more
inclusive
question
two
would
be
yes,
you
get
zero
points
and
no
you
get
two
or
three
because
then
it
would
make
a
difference.
That's
large
enough
that
it
would
include
new
organizations
whether
or
not
they've
comple,
and
especially,
if
they've
completed
other
projects
that
were
not
through
the
law
disposition
program
within
that
two
mile
radius.
Okay,.
I
G
It
doesn't
I
mean
we
don't
have
clarification
on
the
the
penalties.
If
somebody
doesn't
you
know
if
if
the
build
is
not
completed
within,
I
mean
so,
how
are
you
gonna?
Is
it
something
that
we
will
be
able
to
see
and
understand?
G
I
I
mean
that's,
that's
my
job
to
monitor
that
and
to
make
sure
that
these
time
frames
are
met,
okay
and
and
me,
and
my
staff.
We
will
do
that
we'll
make
sure
that
these
that
you
know
whatever
they've
represented
in
this
application,
is
that
you
know
they
follow
through
with
it
and
I'll
caution.
You
know
each
developer
that
signs
up
for
this
program.
You
know,
make
sure
you're
not
missing.
You
know
you're,
not
over.
You
know
being
over.
You
know
optimistic,
overly
optimistic
with
some
of
these
questions,
because
there
is
a
penalty
yeah.
G
I
Yeah
with
the
with
number
four
I'll
double
check
the
rag
that
that
may
be
from
completion
of
home
with
that
18
months,
I'll
double
check
that
and
I'll
I'll
make
the
modifications-
and
you
know,
definitely
noted
your
concern,
and
I
agree
with
you
I'll
work
with
that
I'll
work
with
that
criteria.
Of
course,.
H
So
you
have
to
add
that
into
it.
So
I
guess
it
really
just
comes
down
to
the
construction
timeline,
but
I
like
having
timelines,
because
you
also
don't
want
to
give
a
lot
to
somebody.
That's
going
to
put
it.
You
know
down
the
line
with
other
projects.
They
have
and
have
that
lot
sitting
there
and
we
have
such
a
need
for
affordable
housing.
I
Yeah
and
one
of
the
you
know-
and
you
know
we
can
fund
these
bills
too,
with
home
funding
ship
funding,
and
you
know
when
that
home
gets
sold
the
money
most
of
that
money
comes
back
to
us,
because
it's
paid
off
the
loan
is
paid
off.
Now
we
can
use
that
money
to
support
another
build
so
the
quicker
we
we
turn
that
money,
the
better
off.
We
are.
B
I
have
a
question
for
you
chuck,
and
so
you
thank
you
for
explaining
how
the
process
was
before
and
how
we're
trying
to
to
change
it
now.
My
one
question
is:
is
that
going
to
make
the
overall
process
longer
for
develop
for
affordable
housing
to
actually
happen
for
those
houses
to
be
on
the
market?
For
these
people
to
be
able
to
live
in
those
houses?
I
think.
I
We
can
do
this
pretty
quickly,
you
know
we
can
do
those
property
disposition
committee
meetings
virtually
so
it's
really
just
scheduling
a
call
and
and
we
can
go
through
all
the
applications
in
you
know,
30
minutes
to
an
hour.
Okay,.
E
I
I
don't
think
it's
going
to
delay
anything.
I
really
don't
you
know
if
it
does
even
slightly.
I
think
it's
worthwhile
to
have
a
transparent
and
competitive
process
in
place.
Absolutely.
B
I
think
it's
just
important
that
there's
because
you're
going
to
be
asking
people
to
fill
out
this
application
of
sorts
you're
going
to
want
to
give
them
a
little
bit
of
time
to
do
that,
and
then
you
add
a
little
bit
of
time
to
get
everybody
on
the
same.
You
know
schedule
to
make
that
meeting,
and
then
you
may
have
to
review
what
the
recommendation
was.
B
I
Yeah,
no,
a
very
good
point
have
to
be
conscious
of
of
keeping
the
process
moving
yeah.
I
think
that
I
think
the
the
the
program
that
I
wrote
up
it
allows
30
30
days
for
for
an
applicant
to
submit.
Maybe
we
can
reduce
that
because
it
doesn't
take
that
much
time.
My
developer
can
turn
that
around
pretty
quickly
and
I
communicate
with
these
folks
regularly.
So
it
won't
be.
You
know
there
won't
be
missed
opportunities
so
and.
B
I
B
I
F
F
I
Do
they
so
that's
a
major
difference
between
our
program
and
saint
pete's
program.
Saint
pete
leases
the
property
to
the
developer
and
I
think,
probably
I'm
sure
to
protect
against
that
from
happening.
They
still
own
the
property.
So
when
what
what
we
do
is
we're
going
to
deed
the
property
to
the
developer,
with
a
special
warranty
d,
okay-
and
it's
going
to
have
a
clause
in
it,
that's
a
reverted
clause
that
gives
us
the
ability
to
take
that
property
back.
If,
if
something
like
that
happens,
so
so,
yes,
we're
we're
protected.
I
B
I
Yeah,
well,
even
if
even
if
you
build
a
home
and
and
it's
and
something
happens-
and
it's
just
stalled-
you
know
we,
we
will
still
have
the
right
to
take
that
property
back
now.
Would
we
you
know.
I
would
certainly
believe
that
we
would
make
that
developer
whole
for
for
the
cost
that
they
put
and
that
shouldn't
be
a
difficult
thing
to
do.
I
E
B
All
right,
we
will
go
straight
to
our
motion.
May
I
have
a
motion
to
approve
item
4.1.
B
I
have
a
second,
I
said:
no,
all
right,
all
in
favor
all
right
can
you
oppose
motion,
carries
an
investment
all
right,
so
this
is
where
we're
going
to
switch
the
script
a
little
bit
we're
going
to
go
to
4.3
election
officers
first
before
we
discuss
4.2,
if
that's
okay
with
everyone.
So
it's
that
time
of
the
year
again
when
we
need
to
elect
a
chair
and
vice
chair
of
this
board
for
the
next
year,
ms
sullivan,
can
you
lead
us
in
the
right
direction.
A
B
B
B
Item
4.2
is
discussed
city
council
presentation
by
the
neha
chairperson,
which
is
why
we
needed
to
do
4.3
first,
so
this
is.
This
is
something
that
we
have
talked
about
in
the
past
in
especially
last
year,
roman,
to
bring
you
up
to
speed.
I
think
I
think
what
we
want
to
do
is
give
our
city
council
really
an
update
on
what
this
board
has
been
doing
but
chuck.
Do
you
have
any
more
guidance
on
this
item
before
we
talk
about
it
and
we
welcome
feedback
well,
this
is
this.
I
Is
something
that
most
of
our
advisory
boards
do
once
a
year
they,
the
chair
of
that
board,
will
will
do
a
presentation
to
council
update
council
on
you,
know
the
activities
of
that
board
and
what
they're
doing
it's
just
a
good
way
to
stay
connected,
and
we
haven't
done
that
since
I've
been
in
the
seat
with
with
this
board-
and
I
and
you
know-
I-
I
think
it's
something
we
should
make-
that
we
should
do
annually,
particularly
now
with
this.
You
know
with
the
things
that
this
board
is
tasked
with.
I
You
know,
with
affordable
housing,
community
development
programs,
homelessness.
I
think
it's
good.
I
think
it's
important
that
he
engage
the
board
so
guidance,
not
necessarily,
I
think
you
know
miss
hepting.
I
think
you
want
to
get
some
feedback
from
this
from
the
board.
Mrs
sanderson,
and
I
will
give
you
any
support.
You
need
in
creating
a
a
presentation
to
counsel
it's
yours,
we're
not
going
to
tell
you
what
to
do
and
what
not
to
do
but
we're
here
for
you.
I
B
B
H
Okay,
I
think
it
would
be
good
just
to
start
with
a
recap
of
what
has
been
done
this
year
and
maybe
some
challenges
that
staff
as
well
as
the
board,
feels
that
the
city
is
facing
in
the
current
climate
that
we're
in
right
now
with
affordable
housing
in
our
community.
H
F
I
It
is
a
challenge
in
the
nonprofit
world.
You
have
you
know
it's.
It
seemed
to
have
these
silos
and
everybody's
working
in
these
silos
and
they
all
have
good
intentions,
but
you
know
if
there's
a
way
to
create
synergy.
You
know.
F
And
that's
what
I'm
saying.
Maybe
this
committee
can
be
the
point
of
the
spear
on
that
to
try
to
bring
all
of
these
different
organizations
together.
That
says,
look
what
you're
doing
is
good,
but
maybe,
if
you
can
focus
on
this
over
here
for
habitat,
this
would
help
more
people
or
more
people
can
benefit,
or
maybe
we
can
put
some
of
the
some
of
the
people
that
are
building
the
houses.
F
E
Well
and-
and
I
I
agree
with
you
there
with
the
understanding
that
our
primary
focus
is
affordable,
housing,
yes-
and
perhaps
we
would
want
to
do
some
type
of
workshop
for
the
committee,
where
we
bring
the
affordable
housing
folks
together,
and
we
talk
about
it
dovetailing
off
what
you
said,
because
we've
got
a
lot
of
folks,
but
we,
the
direction
of
affordable
housing,
has
changed
over
the
years
and
we
just
need
to
make
sure
that
we're
all
educated
on,
I
think
we're
all
pretty
well
educated.
E
D
G
Thank
you.
You
explained
that
you
know
we
have
many
organizations
trying
to
do
the
the
good
thing
and
it's
like
an
octopus
right,
everybody's
working
in
their
own
silo,
which
I
agree.
It's
a
silo
because,
ideally
you
know
you
would
have
the
folks
working
with
homeless.
You
know
getting
them
ready
to
then
being
able
to
afford
a
house.
G
You
know
so
it's
a
whole,
a
holistic
approach
with
with
any
program,
because
you
know
like
it's
not
only
serving
the
homeless
at
that
moment,
but
just
in
the
long
term
like
how
can
you
grab
that
one
individual
and
make
him
you
know
be
successful
with
job
opportunities
with
training?
You
know
to
get
to
the
point
that
they
can
actually
move
it
into
a
permanent
housing.
So
it's
it's
very.
What
would
I
say
it
challenging
child?
Well,
yeah
challenge,
to
say
the
least.
You
know,
but
I
think
you're
right
I
mean.
G
Maybe
we
can
be
that
force
behind
that
program
at
least
bring
everybody
in
in
the
same
room
to
discuss
those
ideas.
I.
F
I
think
a
lot
of
times
from
what
I've
seen
if
we
can
get
that
if
you
get
the
people
together
plus
everybody's
concerned,
everybody
wants
everybody
is
trying
to
do
the
right
thing
and
it
just
takes
a
matter
of
saying
you
know
what
this
will
help
this
person
over
here
and
guess
what
that
person
over
there.
The
problem
that
you're
facing
here
is
the
solution
right
here.
Sometimes
it's
as
simple
as
that.
E
If
we
move
that
direction
towards
something
like
that,
perhaps
we
could
put
some
teeth
into
it
to
encourage
folks
to
participate
and
the
teeth.
I'm
thinking
about
is
an
additional
point
system
and
maybe
something
like
what
we
just
talked
about.
Did
you
participate
in
the
workshop?
Yes,
you
get
extra
points
on
scoring.
No,
you
don't
get
points
so
that
would
encourage
folks
to
participate,
because
if
we
don't
have
some
type
of
encouragement,
there's
no
incentive
for
them
to
come
to
something
like
that.
Yeah.
I
E
But
we
could
even
do
that
on
the
grant
cycles
for
some
of
the
other
applications
and
grants
that
we
did
yeah.
G
B
So,
in
the
meantime,
before
before
this
next
step
happens,
I
think
I
agree
with
you
all
that
the
presentation
to
the
city
council
should
be
a
recap
of
what
this
board
did
last
year
in
2021,
some
of
the
challenges
due
to
the
current
climate
and
other
challenges
that
may
that
we
may
be
facing
talking
about
the
evolution
of
the
board
and
its
responsibilities
and
and
a
plan
for
what
we're
trying
to
accomplish
with,
like
you
said,
an
outline
of
what
are
what
are
our
goals
and
and
in
accordance
to
those
goals.
B
I
In
next
month,
we'll
see
how
that
next
month
is
reserved
for
presentations
for
sub
recipients,
which
usually
takes
hour
and
a
half
or
so
maybe
we'll
kick.
Maybe
we
should
kick
it
back
to
the
following
month.
Okay,
that's
okay
with
the
board.
Okay,.
I
When
we're
ready,
we'll
we'll
agenda,
okay,
just
one
more
point
on
the
workshop
that
you're
talking
about
you
know
we
give
away
money.
So
we
you
know
we
can.
We
do
have
a
hook
to
get
people
to
show
up.
You
know
it's
a
great
point
that
kevin
made.
You
know
a
workshop
like
that.
I
think
we
should
include
lenders.
I
You
know
that
would
be
I'm
sorry
to
include
lenders.
You
know
that's
a
big
part
of
what
we
do
and
I
don't
think
we
have
a
strong
enough
network
of
lenders.
So
I
think
I
think
that's
something
I
think
that's
an
area
we
can
improve
in,
but
our
dpa
program,
so
just
a
side
thought.
H
I
think
getting
the
professionals
in
the
room
that
are
helping
people
with
these
programs
and
then
also
seeing
how
the
programs
that
the
city
of
clearwater
has
how
they're
really
working
in
the
climate
that
we're
currently
in
I
know
in
another
committee,
I'm
in
we're
facing
huge
challenges
with
the
down
payment
programs.
It's
great
at
all
city
governments
have
increased
the
amount
of
the
down
payment
program,
but
even
with
that
huge
increase,
we
still
don't
have
that
there
buyers
aren't
first-time
home
buyers,
can't
compete
in
this
market
even
with
that
increase.
H
So
there's
other
changes
that
need
to
come
with
those
down
payment
programs
and,
I
think,
getting
the
opinion
of
lenders
realtors.
What
we're
actually
seeing
out
there
that
we
have
these
great
programs,
but
people
can't
use
them,
they
can
they're.
They
cannot
compete
using
a
down
payment
program,
the
city
of
clearwater
city,
st
petersburg
city
of
largo,
pinellas
county,
especially
any
of
those
programs.
It's
almost
impossible
for
these
buyers
to
close
with
a
down
payment
program.
H
Yeah,
they
are
all
different
they're,
all
different.
They
all
have
different
requirements.
It's
also
really
confusing.
You
know,
especially
when
you
get
in
some
of
these
areas.
You
can
have
one
home
in
the
city
limits
of
clearwater
and
one
is
in
pinellas
county.
You
know
the
neighbors
property,
so
I
think
it
yeah
everybody
being
on
the
same
page,
but
then
there's
other
tweaks
that
have
to
come.
That
were
I
you
know.
H
One
is
the
hqs
inspections
that
these
homes
have
the
timeline
of
where
that
falls
is
harming
buyers
actually
in
the
process,
because
that's
coming
towards
the
end,
you
know,
and
as
a
realtor
we
have,
we
have
no
way
of
protecting
them.
Once
we
get
to
the
end
and
the
hqs
flags.
Everything
and
initially
these
programs
didn't
have
the
hqs
inspection.
H
I
know
why
they
were
added
on,
but
at
this
climate
it's
almost
it's
almost
impossible
with
those
inspections
to
have
a
buyer
close
on
the
home
and
they're
losing
out
money
in
the
end,
because
we're
putting
these
inspections
at
the
very
end
of
the
program.
B
So
is
that
something
a
workshop
of
the
you
know,
the
of
the
size
and
the
and
the
content
that
we're
talking
about?
Is
that
something
that
we
can
put
on
the
calendar
in
the
in
the
next
few
months?
Is
that
something
that
we
have
to
get
approval
for?
Is
that
something
that
you
know.
I
F
F
I
So,
ms
sullivan,
we
could
we
could
notice
a
meeting
like
that
as
a
public
meeting
and
the
board
could
participate.
Okay,.
F
I
Was
the
point
of
my
question
for
ms
sullivan
if
we
have
to
notice
as
a
public
meeting
and
then
you're
able
to
participate?
If
if
we
don't
advertise
it,
then
you
can't,
then
it
would
be
a
violation
we
can
do
it
within
the
sunshine
rules
is
what
I'm
saying.
I
would
think
that
maybe
there's
a
you
know,
there's
very
vast
differences
and
and
objectives.
We
need
to
talk
about
with
affordable
housing
versus
community
development.
Maybe
it's
maybe
it's.
Maybe
it's
two
workshops
right.
I
You
know
I'll
get
women
sanderson
we'll
talk
through
the
logistics
of
that,
but
it
sounds
like
something
we
might
be
able
to.
We
might
be
able
to
do.
I
think
we'd
get
some
really
good
feedback.
You
know.
B
And
I
think,
even
if
we
take
a
little
bit
of
time
to
kind
of
refine
what
we
want
the
content
or
maybe
the
agenda
to
be
or
the
conversations
those
split
conversations
to
look
like
if
we
can
find
a
date
and
already
put
it
out
there,
then
we
can
get
people.
You
know
plenty
of
advanced
notice
that
they,
you
know,
should
put
it
on
their
calendar
or
come
and
then,
as
we
get
closer,
we
can
always
give
more
information
as
to
what
exactly
we're
going
to
be
discussing
and
maybe.
G
F
I
Really
good
feedback.
You
know
we're
right
now
we're
in
the
process
of
beginning
our
annual
action
plan,
we're
accepting
applications
right
now,
so
that
feedback
probably
isn't
going
to
happen
in
time,
for
you
know
for
us
to
really
incorporate
it
into
our
into
our
annual
plan
right.
But
you
know
it's
not
a
rush,
it's
something
that
we
can
do.
You
know
sometime
throughout
this
calendar
year
right
and
that
feedback
will
be
very
important
when
we
get
into
the
next
january
next
february
and
we
begin
the
process
all
over
again.
I
There
was
a
on
a
soft
topic
or
not.
There
was
a
letter
written
from
the
foundation
for
self
healthy,
saint
pete,
recently
to
pinellas
county
with
feedback
on
their
process
for
on
their
annual
action
planning
process,
somewhat
critical
in
some
ways.
That's
not
the
point.
The
point
is
you
know
I
chair
a
a
jurisdictions
meeting
every
thursday
once
a
month
on
the
fourth,
the
first
thursday
of
every
month,
and
that's
we
get
all
the
local
governments
together
and
we
talk
about
things
that
we're
doing
so.
A
I
I
So
we
discussed
that
letter
and
then
we
talked
about
you
know
what
maybe
we
need
to
do
a
better
job
at
coordinating
amongst
ourselves
and
how
we
go
through
the
planning
process.
So
you
know
I
suggested.
Maybe
we
you
know,
maybe
we
focus
one
of
these
meetings
on
that
in
the
fall,
so
I
you
know
maybe
we'll
make
some
progress
always
trying
to
find
ways
to
make
things
better
right,
but
yeah.
Thank
you.
B
And
if
this
workshop,
you
know
the
way
that
it
end
up
ends
up
happening
is
helpful
to
both
this
committee
and
your
department.
It
might
be
something
that
we
want
to
do
every
year.
It
might
be
something
that
we
want
to
do.
You
know
with
timing
a
little
bit
different,
so
it
coincides
better
with
wherever
it
can
actually
make
changes,
but
I
think
getting
it
on
the
calendar
and
getting
started
is
the
most
important
thing,
and
so
we
just
need
to
get
to
make
sure
that
we're
able
to
make
it
happen.
I
B
All
right,
where
I'm
at
item
five
is
old
business.
Does
the
board
have
any
old
or
new
business
to
discuss.
A
E
You
have
an
update
on
that
or
anything
that
you
can
share
with
the
the
board.
I
So,
thank
you,
mr
schnell.
We
did
we.
As
you
all
know,
we
got
an
allocation
of
home
arp
funding
american
restaurant
plan
funding
it's
associated
with
the
home
program,
which
is
which
is
housing.
It
is
nothing
like
the
home
program.
It
is
geared
towards
helping
people
that
are
that
are
either
homeless
or
facing
the
imminent
threat
of
becoming
homeless.
Okay.
So
a
lot
of
the
stuff
that
you
can
find
most
of
the
stuff
that
you
can
fund
with
this
money
is
public
service
programs
which
you
can't
do
with
home
money
right.
I
I
So
we
put,
we
put,
I
think,
875
000,
towards
that
project
to
support
the
construction
of
five
of
those
units
and
those
units
will
be
reserved
for
people
that
meet
this
criteria.
Okay,
so
the
remaining
funds
we
had,
we
opened
up
an
application
cycle
and
we
invited
people
to
apply.
We
had
a
number
of
applications.
I
I
think
we
had
someone
neighborhood
of
eight
or
nine
applications.
We
found
one
of
them
to
be
ineligible,
another
one
to
be
something
that
we
wouldn't
consider
funding,
really
a.
I
think
I
think
a
capability
issue.
I
think
it
was
a
matter
of
capacity
with
that
organization
and
then
the
others
were
just
various
public
services
that
that
we,
that
you
know
that
we
considered
and
we
put
together
a
technical
review
committee.
Mr
schneider,
was
on
that
committee.
I
Also,
a
member
for
the
homeless
leadership
alliance
was
on
that
committee.
Our
city
clerk
who's,
always
on
our
technical
review
committee,
was
on
that
and
doug
and
cooley
duggan
is
the
the
president
ceo.
If
you
will
of
the
pinellas
community
foundation,
he
very
well
respected
in
in
this
field
as
well
respected,
I
think
as
anybody
in
the
county.
So
it
was
a
really
good
committee,
really
good
feedback.
We
we
graded
and
scored
the
applications.
I
So
what
we're
doing
now
we're
working
with
the
consultant
to
put
that
plan
together
on
how
we
distribute
those
funds,
so
hopefully,
by
beginning
a
summer
mid-summer
at
the
latest,
we
can
have
that
plan
in
place.
You
know
there's
a
lot
of
steps.
We've
got
to
go
through
with
that
planning
process
that
hud
requires,
so
it
takes
some
time
but
yeah.
Thank
you
for
bringing
that
up
any
questions
on
them
on
that
on
that
that
program,
home
arm
funding.
B
I
One
looking
the
one
that
was
ineligible,
we
were
actually
currently
contracting
with
them
on
a
public
facility
project
and
that's
the
first
time
that
we've
worked
with
them.
That
was
ineligible
because
they
didn't
propose
to
address
the
qualifying
population,
and
there
was
another
group,
I
believe:
do
you
remember
kevin
the
other
group
that.
E
I
don't
think
we'd
funded
them.
I
don't
remember
the
group
exactly,
but
I
remember
the
application
yeah.
I
don't
think
I
don't
remember
ever
seeing
them
come
through,
but
it's
not
a
brand
new
committee.
It's
just.
They
were
a
little
weak
in
financials
yeah
and
we
were
concerned
about
them
being
able
to
to.
I
Finish
the
project,
I
think
it's
coming
back
to
me.
I
think
that
group
lost
a
lot
of
funding
through
the
pandemic
and
what
they
wanted
to
do
was
to
use
this
money
to
replace
that
funding
and
continue
the
level
of
services
that
they
were
providing
home
opera
is
very
clear
that
you
have
to
you
have
to
increase
services
right.
I
You
know,
increase
capacity,
increase
services,
okay,
so
that
that
I
think
that's
why
we
we
declined
that
one
as
well
for
funding,
but
I
will
you
know-
we'll-
have
a
public
meeting
of
this
board
to
go
through
those
allocations
when
the
time
is
right,
we're
also
in
the
process
of
going
through
our
annual
action
plan,
where
right
now
we're
accepting
applications
that
application
period
closes
next.
Third
and
next
wednesday,
okay,
we
had
a
sub-recipient
application
workshop,
so
anybody
that's
applying
attended
that
workshop.
I
They
got
an
extra
point
on
their
scoring
by
attending
that's
kind
of
how
we
suck
them
in
so
you
know,
I
think
that
was
a
productive
workshop.
It
really
intended
to
help
them
understand
how
to
fill
out
an
application,
how
to
fill
out
an
effective
application.
So
so
we're
in
that
again
and
the
next
meeting
we
have
of
this
board
all
of
those
folks
that
submit
an
application
will
present
their
program
to
you.
Okay,
each
will
have
three
minutes
to
present.
I
If
there's
multiple
applications
from
our
organization
they'll
have
five
minutes
to
present.
That's
typically
how
we
do
it
we'll
see
how
many
we
get.
How
many
we
get
typically
depends
on
how
long
we'll
allow
them
to
speak.
Mr
schnalt
yeah.
E
So
I
I
don't
want
to
require
us
to
attend,
because
I
know
we
all
have
busy
busy
schedules
but
yeah.
It
wouldn't
hurt
to
open
it
up.
Yeah.
I
Maybe
we
could
start
with
the
chair
and
maybe
the
vice
chair
if
the
chair
is
not
able
to
do
it,
I
think
that
would
be
nice
a
message
from
from
the
board.
You
know
expressing
support
and
we
have
these
kind
of
things.
These
kind
of
you
know
workshops
two
or
three
throughout
the
year,
a
lot
of
it
a
lot
really
mostly
it's
technical
assistance,
we're
providing
to
help
them
understand
what
we're
doing
and
what
they
need
to
do
so.
Yeah.
A
I
Okay,
the
so
we
hadn't
met
in
two
months.
The
last
meeting
was
december.
We
always
had
a
rule
in
place
that
that,
where
advisory
boards
aren't
to
meet,
unless
you
have
to
take
action
on
something
you
didn't
have
to
take
action
on
anything
today,
I
asked
you
to
approve
the
disposition
program.
It
wasn't
wasn't
required,
so
this
could
have
been
a
meeting
that
we
could
have
skipped
as
well.
I
Okay,
we
didn't
the
city
manager
informed
me
that
you
know
the
issues
that
you
discussed
at
this
award
are
very
important
to
our
community
and
he
doesn't
want
to
see
us
go
more
than
two
meetings
without
without
convening
so
we're
going
to
make
that
a
rule.
From
now
on.
We
won't
go
more
than
two
meetings
that
will
be
a
problem
for
the
next
several
months.
We've
got.
You
know
a
lot
of
meetings
coming
up.
I
think
the
next
meeting
we
can
potentially
skip
this
july.
I
So
we
have
you
know
we
have
stuff
scheduled
for
you
for
the
next
several
months.
Okay
and
I'm,
you
know
grateful
for
the
city.
A
I
You
know
making
that
determination.
I
think
it's
important
you
know
to
that
end.
You
know
I'd
like
to
just
kind
of
open
it
up
at
this
point,
and
I
don't
always
like
to
just
kind
of
open
up
general
discussion,
but
I
do
kind
of
want
to
talk
a
little
bit
about
housing.
You
know
and
what
we're
doing
there
there
are.
You
know
there's
a
lot
more
there's
different
segments
that
we
could
talk
about
right.
I
There's,
as
you
all
know,
we
you
know
we
there's
regulated
housing
right
and
that's
what
we
deal
with
in
my
office.
We
issue
funds
and
because
of
that
we
put
restrictions
on
property.
We
monitor,
we
make
sure
people
follow
the
rules,
there's
a
whole
stack
of
regulations
that
we
need
to
follow.
That's
regulated,
housing
right
and
then
there's
naturally
occurring
affordable,
housing
right.
It's
like
a
perfect
example
of
natural
noaa,
naturally
current,
affordable
housing.
I
Perfect
example
is
mobile,
home
parks
right
they
stay
affordable
because
of
the
type
of
unit
that
they
are
right,
they're
getting
more
expensive.
Now
too,
they've
always
been
considered
known
right,
but
maybe
for
maybe
for
a
quick
discussion
today,
maybe
get
some
feedback
from
the
board,
and
this
is,
as
you
know,
again
we're
in
the
middle
of
our
aap.
I
Let's
just
talk
for
a
moment
about
about
the
regulated
stuff,
the
stuff
we
do
and
if
the
board
you
know,
has
any
suggestions
you
know
as
to
you
know
what
we
might
be
able
to
do
differently
or
be
more
aggressive
with
or
less
aggressive
with.
I'm
really,
you
know
happy
everybody.
I
want
your
feedback,
you
know
so
right
now
we
have
the
programs
that
we've
always
run.
We
have
down
payment
assistance
programs,
a
program.
We
know
we
have
challenges
with
that.
I
I
You
all
know
the
challenges
in
that
program.
It's
hard
to
get
that
first
mortgage,
we
have
a
home
buyer.
We
have
a
homeowner
rehabilitation
program
that
we
that
we
manage.
We
manage
that
in-house
some
folks
qualify
for
a
deferred
loan.
We
get
people
in
our
city
that
live
in
their
home
and
that
without
even
a
mortgage
they
can't
even
have
trouble
affording
to
stay
in
that
home
because
they're
on
social
security
alone,
most
people
get
deferred
loans.
They
have
to
pay
it
back
until
they
sell
the
home
and
others
who
have
higher
level
income.
I
They
have
a
payment
loan
with
us,
okay,
you're
all
familiar
with
what
we
do
with
developers.
We
work
with
developers
on
single
family
builds.
Multi-Family
builds
multi-family
rehabs.
Now
these
are
the.
This
is
the
universe
of
of
the
regulated,
affordable
housing
that
we're
in
as
a
city.
Okay,
so
you
know
I'm
going
to
throw
it
out
there
and
ask
you
if
you
know,
if
there's
any
changes,
any
adjustments,
you
think
we
can
make.
I
H
I
H
The
down
payment
program,
because
I
work
with
it
often
and,
like
you
said,
city
of
largo-
did
just
increase
their
limits,
but
actually
we're
working
with
a
client
even
with
that
increase.
This
is
a
single
person
she
could
get
up
to
fifty
five
000
problem
is
the
purchase.
Price
limits
are
too
low.
H
She
can
afford
a
home
in
the
city
limits
of
largo,
because
the
purchase
price
limits
are
lower
than
what
homes
are
selling
for
in
that
area,
and
really
it
puts
them
only
into
being
able
to
afford
condos
if
there
are
condos
but
then
condos
when
you're
talking
about
that
the
debt
to
income
and
things
like
that,
it's
going
to
change,
also
their
affordability,
so
that
that's
one
issue.
What
I
see
in
across
the
board
with
down
payment
assistance
programs,
is
their
purchase.
H
H
It's
going
to
go
over
that
price,
no
matter
what
with
multiple
offers,
I
haven't
had
a
home
in
the
last
two
years
that
has
not
had
multiple
offers
and
sometimes
you're,
getting
an
essence
of
25
offers
on
one
property,
so
we're
trying
to
help
these
first-time
homebuyers
and
help
them
compete
in
a
very,
very
competitive
market.
So
that's
one
thing
that
I
see
is
the
purchase
price
limit,
so
it
doesn't
matter
how
much
we
increase
that
down
payment
it.
It
has
to
reflect
in
the
purchase
price
limits.
H
The
next
is
the
hqs
inspections,
the
housing
quality
standard,
section,
eight,
whatever
you
want
to
call
it.
So
a
buyer
has
in
the
first
seven
days
or
so
of
their
contract.
They
they're
usually,
as
is
contracts
with
the
right
to
inspect,
so
they
have
a
home
inspection
period,
and
during
that
home
inspection
period
they
have
their
own
personal
home
inspection,
usually
as
well
as
insurance
inspections,
a
four-point
as
well
as
a
win
mitigation
and
then
after
and
that's
their
time
to
cancel
if
they're
right
to
cancel.
H
During
that
something
comes
up
right
now,
we
can't
usually
negotiate
for
sellers
to
do
any
repairs
on
properties
they're
going
through
the
down
payment
process,
as
well
as
the
processing
with
a
lender
at
the
same
time,
and
then
at
the
very
end,
the
down
payment
assistance
programs
are
throwing
in
their
own
inspection,
which
is
the
hqs
or
something
like
that.
It's
coming
usually
we're
finding
robin
you
can
fill
in
here
the
week
of
closing.
H
So
now
the
buyers
paid
for
their
own
personal
home
inspection,
they've
paid
for
their
appraisal
on
the
property,
we're
you
know,
we're
closing
we're
at
the
end
and
we
throw
in
an
hqs
inspection
at
the
very
end
of
this
process.
H
There's
no
negotiating
power
that
an
agent
can
have
at
that
point
in
the
process
to
help
that
buyer.
Most
of
the
time
anything
they
find
in
an
hqs
is
going
to
fall
back
on
the
buyer.
The
hqs
is
focused
more
for
a
rental
as
well.
You
know
it's
a
section
8
in
the
company.
I
think
you
guys
use
the
same
company
as
city
of
largo
uses.
That
company
is
going
out
for
section
8,
housing
inspections
and
they're.
You
know
it's
a
rental
mindset
rather
than
a
homeowner
mindset.
H
When
I
previously
worked
for
the
city
of
largo,
we
did
not
have
an
hqs
inspection,
they
all
kind
of
all
the
city
governments
kind
of
started,
doing
it.
About
the
same
time.
We
had
a
case
where
somebody
bought
a
home
and
and
then
they
wanted
to
come
right
back
to
our
housing
rehab
program
because
they
couldn't
live
in
that
home
because
of
the
inspection.
So
then
we
threw
in
this
inspection
because
you're
giving
money.
H
The
hqs
is
really
at
this
point,
making
it
impossible
for
these
buyers
to
move
forward
with
these
properties
without
having
to
do
the
repairs
themselves.
Sometimes
sellers
are
saying
no
and
if
it
creates
a
mess
at
the
end
where
these
are
blowing
up
at
the
end
or
we're
in
realtors,
even
I'm
paying
for
the
repairs
to
be
done,
so
the
buyer
can
buy
the
home.
So
my
suggestion
would
be
instead
of
this.
Hqs
inspection
is
to
have
housing.
Quality
standards
is
to
have
a
sign
off.
H
You
know
some
kind
of
release,
acknowledgement
that
they
understand
the
home.
Has
these
certain
things
or
you
know
they're
already
passing
a
four
point,
so
they
can
get
insurance
on
the
home
and
what
I'm
finding
is
with
that
hqs
inspection
it
it's
little
things.
It's
not
things
that
even
came
under
the
four
point.
You
know
that
that
you
really
want
to
know
the
big
expensive
things
in
the
home.
Hqs
is
look,
you
know
where
they're
safety
items
and
I
get
it,
but
we
all
probably
have.
H
H
C
I
do
not
believe
I
can.
I
can
actually
talk
a
little
bit
about
that,
so
I
can
tell
you
what
the
city
of
saint
pete
has
done.
So
the
city
of
st
pete
has
never
done
an
hqs
inspection.
They
actually
get
a
copy
of
the
home
inspection
that
the
buyer
has
already
paid
for
the
problem
with
the
city.
C
What
the
city
of
saint
pete
does
is
that
they
look
at
that
home
inspection
and
any
little
thing
that
the
inspector
says
needs
to
be
fixed,
the
city's
going
to
say
it
needs
to
be
fixed
and,
like
lindsay
said
most
of
it
is
very
little
stuff
that
in
our
houses
we
all
have
those
issues,
but
I've
been
told
by
the
city
of
saint
pete
that
they're
actually
going
to
go
away
from
that
and
they're
just
going
to
take
the
four
point
and
the
win
mint.
C
And
so
the
four
point
is
the
four
big
items
in
the
house.
You
know
that
all
have
to
be
that
you
need
to
get
insurance.
So
you
know
perhaps
that's
something
that
the
city
of
clearwater
can
look
at,
and
hopefully
the
city
of
largo
and
pinellas
county
as
well,
because
lindsay's
absolutely
right.
It's
keeping
people
from
getting
into
their
houses
because
they
failed
at
hqs
at
the
end
that
we've
all
that
both
the
the
lender
and
the
realtor
have.
A
C
The
seller
that
this
is
coming
up
and
we
know
that
it's
going
to
be
there
and
please
make
sure
that
everything
is
in
good
working
order.
The
one
thing
I
always
talk
about
is
making
sure
that
you
have
working
smoke
detectors,
that's
one
of
the
things
that
usually
fails
in
hqs,
but
it
still
keeps
people
from
being
able
to
get
the
assistance
and
buy
the
house.
H
H
You
know
some
of
the
liability
and
risk
off
of
the
city,
we're
giving
you
these
funds
and
we
want
to
make
sure
that
the
home's
livable,
but
you
have
the
four
point.
The
four
points
are
are
strict.
Now
you
know
and
what
I
usually
as
a
realtor
can
negotiate
for
a
seller
to
do
is
four
point
items
hey
this
home
is
not
insurable.
These
items
have
to
be
taken
care
of,
and
that's
done
at
the
beginning
of
the
process.
I
So
we
have
rock
solid
home
inspections,
doesn't
respect
this
for
us
and
that's
not
you
know,
we
don't
want
the
homeowner
relying
on
our
inspection.
They
get
their
own
inspection
as
well,
but
we
have
rock
solid.
Do
that.
I
don't
know
that
it's
ever
impacted
a
sale.
You
know
we
don't
you
know
we
don't
have
a
huge
volume
of
them,
particularly
of
late
since
the
pandemic,
I'll
I'll
look
into
that.
I
That's
interesting,
like
I
said
I
don't
think,
we've
ever
had
a
problem
arise
out
of
their
their
their
inspections,
but
we
certainly
don't
want
that
to
happen
at
the
11th
hour,
so
so
know
that
I'll
I'll
look
into
that.
Thank
you.
E
H
I
wouldn't
say
the
city
of
clearwater
on,
I
would
say,
other
other
down
payment
programs.
We
almost
as
realtors
and
lenders
have
to
discourage
because
there's
no
way
that
their
timeline
will
be
accepted.
So
a
seller
wants
to
close
immediately
and
if
they
have
20
other
offers
that
are
going
to
give
them
that
quick,
close
date
and
then
we're
asking
for
a
60-day
closing.
H
They
have
no
shot
in
that
property.
So
the
length
of
time
that
it
takes
to
process
the
down
payment
program
and
loan
has
to
meet
the
timeline
that
the
lender
can
close
the
loan.
And
so
usually
the
lenders
can
close
the
loan
in
30
to
45
days.
So
you
want
to
see
that
the
down
payment
program
can
do
it
as
well,
and
it's
not
holding
up
one
day.
C
So
I
again
I'm
going
to
go
to
another
program.
There
are
some
programs
out
there.
One
is
in
the
city
of
tampa.
One
is
all
the
way
over
in
seminole
county,
not
seminole,
that's
city
of
seminole
seminole
county,
where
the
buyer
actually
gets
approved
ahead
of
time
by
the
down
payment
assistance
program,
whether
it's
the
city
of
clearwater
or
or
the
city
of
st
petersburg
or
the
city
of
tampa,
and
they
get
a
reservation
number
and
they
cannot
go
under
contract
until
they
have
that
approval,
and
so
now
they've
been
approved.
C
C
Yes
and
no,
I
can
pre-qualify
you
in.
There
are
two
different
things:
there's
pre-qualification
where
I
get
your
information,
I
run
your
credit.
I
re
I
review
as
the
loan
officer,
I
review
your
income
and
your
assets
and
I
run
an
automated
underwriting
system
and
everything
says:
okay
and
now
you
have
a
pre-qualification
a
pre-approval.
Is
I've
really
gathered
all
of
your
documentation,
sent
it
to
an
underwriter?
C
C
C
C
C
Forty
five
thousand
dollars
in
the
city
of
clearwater
towards
my
purchase
if
I
purchase
within
the
city
limits
of
clearwater.
So
now
the
issue
becomes.
We
have
here
in
pinellas
county
four
municipalities
who
have
ship
funds,
saint
pete,
clearwater,
largo,
pinellas,
county
itself
and,
as
lindsay
said
earlier,
you
can
get
pre-approved
by
the
city
of
clearwater.
That
says
you
can
buy
a
house
as
long
as
it's
within
the
city
limits
of
clearwater.
C
G
Also
allow
for
that
flexibility
for
the
purchase
price,
because
if
that
purchase
price
is
so
limited
and-
and
I
understand
because
you
know
the
the
limit
of
the
purchase
price
is
just
well.
C
H
I
think
that's
also
where
the
issue
comes
in.
It
is
getting
if
you,
if
we
could
get
all
these
down
payment
programs
on
the
same
page,
it
would
be
great,
and
that
would
help-
and-
and
I
know,
city
of
largo
struggles,
everyone's
struggling
and
robin's
getting
calls
from
the
county
everyone.
Well,
why
aren't
you
guys
using
the
program?
What's
you
know?
How
do
we
get
people?
Well
it?
The
programs
are
the
problem
right
now.
H
H
You
know
I,
if
you're
talking
about
affordable
housing,
though
they're
you
know
we're
all
getting
kind
of
at
the
same
price
point,
so
it
seems
like
you
could
have
a
standard
purchase
price
limit.
You
could
have
a
standard
program
and
absolutely
have
you
know,
there's
a
few
non-for-profits
in
the
area
that
can
process
these
down
payment
assistance
loans,
but
I
think
it's
it's
as
a
community
getting
everyone
on
the
same
page
that
then
it's
going
to
help
all
the
programs
that
are
struggling,
because
all
the
programs
are
asking.
Why
aren't
we
getting
down
payment
cases.
I
J
H
Yeah
and
it
doesn't
sound
like
there
would
be
if
city
of
st
petersburg
does
not
do
that
type
of
inspection.
It
doesn't
sound
like
there
is,
but
you
know
the
four
point
would
be
an
amazing
choice.
The
buyers
already
you
know
getting
it
and
has
to
have
that
so
you're
guaranteed
to
have
the
four
point
and
then
the
four-point
items
are
done
now.
You
know
the
home's
insurable
and
you
know
the
four
points
of
the
home,
which
are
the
major
things
that
that
buyer
would
have
issues,
but.
H
World
mitigation,
and
then
that's,
why
not
I
mean
something
else
are
always
great.
You
know
this.
Is
you
know
you
understand
that
you
know,
I
think
the
hqs
or
any
of
these
additional
inspections
were
to
protect
the
jurisdictions
and
the
program
that
they
weren't
giving
funds
to
a
home
that
you
know
was
gonna
fall
apart,
you
know
for
them,
so.
I
That's
the
other
forum
as
well.
As
you
all
know,
we
had
a
housing
pump
compact
signed,
but
those
major
jurisdictions
I
mentioned
earlier.
The
county
just
found
they're,
always
the
last
to
sign
something
like
that.
They
were
the
lead
on
it.
They
signed
it
on
in
february.
So
that's
done,
but
it's
not
done.
That's
like
the
starting
point.
There's
a
county-wide
tactical
team
committee.
I
A
I
Ideas
really
good
feedback,
so
so
that's
dpa
stuff,
I
think
that's,
I
think,
that's
great
stuff
I'll
report.
Back
as
I
make
progress
or
lack
of
any
other
thoughts
on
our
rehab
program.
For
example,
we
minister
that
in-house
you
know,
I
think
we
do
a
pretty
good
job
with
that
we're
45
000
of
a
maximum
a
maximum
loan.
You
know
we
don't
put
in
pools
with
that
program.
It's
it's
code
related
stuff,
roofs,
ac,
flooring,
that
kind
of
stuff.
I
think
we
do
a
good
job
with
it.
I
It's
it's
hard
because
of
you
know
the
construction
climate
right
now.
You
know
we
made
some
changes
to
the
program
we
reopened
it
up
after
after
the
pandemic,
we
have
a
handful
of
folks
in
the
pipeline.
I
think
we're
doing.
Okay,
we
do
media
pushes
every
now
and
then
we
do
direct
mailings
to
our
community
to
remind
people
of
the
program.
I
So
I
think
we
do
okay,
I'd
like
the
volume
to
increase
a
little
bit
more,
but
you
know
that
really
that
program
is
preserving,
affordable,
housing,
it's
helping
people,
age
and
place.
You
know
it's!
It's
it's
a
good
program,
so.
E
You
just
were
mentioning
marketing.
Perhaps
it's
what
the
city
could
do
is
develop
some
type
of
information
package
that
would
pertain
all
of
this
information
that
could
be
shared
with
the
local
non-profits,
who
are
dealing
with
these
people
day
in
and
day
out.
So
if
we've
got
a
client
that
we're
working
with,
perhaps
we
could
share
that
information.
E
B
I
We
have
you
know,
pre-printed
stuff,
you
know
flyers
and,
and
that
stuff,
I
think
it's
good
enough
information
yeah.
I
can
get
that
some
of
that
stuff
to
you
kevin
and
yeah,
and
an
even
wider
distribution.
E
I
A
I
I
Foreclosure
on
one
of
our
loans,
okay,
we
we
in
2004
a
woman,
came
to
us
asking
for
a
rehab
loan.
We
did
an
analysis
of
the
home
and
it
was
too
far
gone
and
at
that
time
we
had
a
program
where
we
we
would
demolish
the
home
and
build
a
new
home
for
that
person.
Okay,
so
that's
what
we
did
so
she
had
a
loan
somewhere
near
120,
130
000
just
refused
to
pass.
I
You
know
countless
letters
and
phone
calls,
and
you
know
we.
We
worked
out
packages
with
her.
We
revised
for
long
terms,
two
or
three
different
times
and
each
time
she
fell
immediately
back
into
default.
I
She
told
we
have
documentation
that
she
explained
to
us
that
there
were
multiple
adults
living
at
the
home,
which
you
would
think
would
give
more
ability
to
pay
that
mortgage
700
700
a
month
mortgage
crickets.
You
know
you
can't
run
a
loan
program
if
you're
not
willing
to
foreclose-
and
you
know
because
of
that,
because
we
hadn't
foreclosed
that
that
resonates,
that
gets
out
of
the
community
and
our
loans
turned
into
something
more
of
a
joke.
I
You
know-
and
we
we
had
to
do
this-
it's
very
unfortunate
to
do
it
in
the
time
we're
doing
it,
but
this
wasn't
an
issue
the
race
from
the
pandemic.
This
was
an
issue
that
she
just
refused
to
pair
our
loan.
Now
she
has
the
ability
to
she
hasn't
been
served
yet,
but
she'll
have
the
ability
to
sell
her
home
and
actually
sell
it
for
more
than
she
owes
on
it.
I
So
it's
not
like
this
person
doesn't
have
options,
but
what
we're
not
going
to
do
is
another
workout
package,
so
we
went
to
council
and
we
asked
council
for
the
authority
to
proceed
with
foreclosure
and
they
unanimously
approved
that
recommendation.
They
fully
understand
with
sympathy
and
empathy.
Of
course
they
understand
that
we
need
to
manage
these
programs
and
what
foreclosure
needs
to
be
a
tool,
albeit
last
resort.
It
needs
to
be
a
tool.
So
thank
you.
J
J
We
have
about
400
active
loans,
of
which
there
is
less
than
two
dozen
that
have
any
kind
of
default
status
or
late
payment
status
and
of
those,
and
I
believe
it
was
really
closer
to
a
dozen
actually
and
of
those
a
couple
of
those
are
in
probate,
or
one
has
just
come
out
of
probate.
So
the
reality
is,
we
only
have
very
few
loans
of
those
400
where
we
have
people
struggling
to
make
payment
or
in
the
case
that
chuck
just
described,
refusing
to
do
so,
because
we
don't
believe
it's
an
inability.
J
At
this
stage,
the
entire
amount
of
of
funds
that
are
currently
in
default
are
just
over
a
hundred
and
three
thousand
dollars.
This
particular
home
owner
represents
53
percent
of
that
defaulted
amount,
so
we,
this
is
a
single
case.
That
is
particularly
egregious.
We
don't
anticipate
coming
back
to
council
in
the
near
term,
really
at
any
point
with
additional
foreclosure
recommendations.
J
It
is
this
particular
homeowner.
This
particular
circumstance
which
drove
us
to
make
this
recommendation
with
more
than
65
letters
that
went
out
to
her
over
the
course
of
time.
We
had
actually
developed
chuck
developed
a
2017,
a
foreclosure
policy
with
unfortunately,
this
homeowner
in
mind.
We
had
no
policy
in
place
that
provided
council
direction
in
terms
of
when
we
would
bring
foreclosure
or
the
steps
that
we
would
take
to
prevent
foreclosure,
because
that's
always
the
goal
we
put
that
policy
in
place
in
2017
and
in
early
2020.
J
We
plan
to
bring
to
council
this
request
to
initiate
foreclosure
with
the
pandemic
hit,
and
so
for
that
reason
we
went
into
a
hold
pattern
with
this
particular
homeowner.
We
feel
that
now
is
the
time.
As
chuck
said,
she
has
the
opportunity
to
sell
her
home
most
assuredly
for
more
than
what
is
owed
on
the
property.
J
She
can
certainly
walk
away
from
it
free
and
clear,
so
we
feel
quite
confident
that
we're
not
going
to
be
putting
her
out
on
the
street
as
an
example,
but
we
are
requiring
action
from
her
at
this
point,
so
just
wanted
to
provide
a
little
bit
of
context
there.
We
do
a
great
job
collecting
on
our
loans,
and
most
homeowners
are
quite
responsible,
which
is
obviously
the
desire
that
we
hope
to
see.
I
Any
more
feedback
from
the
board
do
you
want
us
to?
I.
D
Anything
we
can
do
like
for
the
people
that
are
not
homeowners,
like
the
the
ones
who
rent
currently
like
a
one
bedroom
apartment
is
approximately
like
1700
a
two
bedroom
apartments
like
approximately
two
thousand
dollars.
Is
there
anything
we
can
do
for
those
kind
of
people.
I
It's
it's
really
tough
right
now
the
county
has
they're
working
through
an
emergency
rental
assistance
program.
We
refer
a
lot
of
people
to
that
program.
I
You
know
we've
heard
we've
heard
various
things
of
jurisdictions,
imposing
rent
restrictions
or
considering
imposing
rent
restrictions.
You
know
they're,
it's
tough,
I
mean.
Can
we
regulate
our
way
out
of
this
thing?
You
know
I
I
don't
know
I
mean
I
don't
think
so.
You
know
we
put
a
lot
of
the
a
lot.
We've
asked
the
landlord
to
carry
the
water
a
lot
on
this
throughout
the
pandemic.
There's
a
rent
moratorium.
I
I
I
E
E
B
It's
and
it's
also
directly
linked
to
employment
and
wages,
and
you
know
what's
interesting,
is
when
those
numbers
go
up,
because
those
rental
numbers
go
up.
It's
it's
not
helping
the
problem
that
a
lot
of
businesses
are
seeing
now,
especially
in
the
city
with
hiring
and
retaining
employees,
especially
because
it's
the
pandemic.
There's
companies
all
across
the
u.s
that
have
completely
changed
to
a
remote
system
where
you
can
literally
live
anywhere,
you
want.
So
why
would
you
pay
the
1700
somewhere
where
you
can
move
somewhere
where
it's
much
cheaper?
B
And
that's
the
issue?
The
issue
that
I
think
is
you
know
it's
it's
a
number
of
units
issue,
but
it's
also
an
issue
of
the
the
employers
need
to
be
involved.
In
that
conversation,
I
think
that
there
are
cases
in
the
u.s
and
I
need
to
do
a
little
bit
of
research
on
that
where
employers
have
gotten
together
or
organizations
of
employers
have
gotten
together
and
said.
You
know
if
we're
a
hospital
and
we
can't
hire
nurses
because
they
can't
find
anywhere
to
live
on
the
salary
that
we're
willing
to
give
them.
B
B
Accommodation
of
sorts
for
the
people
that
they're
trying
to
hire
and-
and
I
think
that's
all
linked-
it's
linked
to
the
wages
that
have
to
go
up.
It's
linked
to
you
know
the
the
the
lack
of
number
of
units,
but
it's
it's
all
in
one.
I
don't
think
one.
I
think
one
influences
the
other,
but.
H
I
B
It's
it's
interesting
from
from
the
employer
standpoint
because
you
hear
you
know
especially
currently,
you
know
inflation's
going
to
be
a
big
problem,
because
all
employees
are
going
to
be
asking
for
a
raise.
Well,
if
everything
costs
more
money,
whatever
your
company
is
selling
or
making
and
then
selling
is
also
going
to
cost
more.
B
You
know:
there's
I'm
thinking,
obviously
right
away
of
the
large
employers,
but
there's
you
know,
there's
also
the
hospitals
that
are
around
right
here.
There's
there's
a
bunch
of
really
large
organizations
that
would
highly
benefit
from
having
better,
affordable
housing,
and
you
know
maybe
once
we
crunch
the
numbers,
they
can
actually
see
that
it
would
actually
benefit
them
to
the
point
where
they
should
be
investing
in
these
things.
A
J
Sure
you
know
you
are
bringing
up
a
point
that
we've
actually
talked
about
for
a
very
long
time
on
my
side
of
house
on
the
economic
development
side.
So
back
in
2009-10,
the
city
did
an
economic
development
strategic
plan.
During
that
strategic
planning
process,
we
looked
at
our
labor
shed.
Where
are
people
coming
from
at
that
time,
and
and
certainly
today
we
are
still
seeing
it.
There
is
net
in
migration,
meaning
more
people
come
into
our
community
on
a
daily
basis.
To
work
then
leave
our
community
for
work
so
that
net
in
migration.
J
Where
are
all
those
people
coming
from,
and
we
looked
at
that
labor
shed,
it
was
as
far
away
as
citrus
county
right,
so
we're
talking,
pinellas
pasco,
fernando
citrus
county
on
a
daily
basis.
Certainly
lakeland
can
you
imagine
making
that
commute
on
a
daily
basis,
and
some
of
these
folks,
unfortunately
are
working
in
low-skill,
low-wage
jobs,
perhaps
on
the
beach
and
otherwise.
So
now,
in
today's
economy,
we're
looking
at
great
inflation.
Look:
what's
happened
just
in
the
last
two
weeks
with
gasoline
prices
and,
if
you're
a
commuter
coming
in
from
citrus
county.
As
an
example.
J
Now
you
have
a
really
difficult
decision
to
make.
Am
I
going
to
continue
to
show
up
for
work
so
this
this
conversation
around
being
able
to
live
near
where
you
work
has
been
a
significant
issue
for
a
very
very
long
time,
as
evidenced
by
that
2009-10
data
that
we
looked
at?
So
this
is
not
a
new
issue,
but
boy?
Are
we
really
seeing
the
impacts
of
a
supply
demand
issue?
You
know
chuck
and
council
had
talked
recently.
You
know
that
it
is
a
supply
demand
issue.
J
We
really,
since
2008
9
have
not
seen
multi-family
development
until
the
last
couple
of
years,
and
so
this
has
been
a
supply
demand
issue
for
a
long
time.
I
think
vacancies
down
to
3.8
percent.
I
heard
anecdotally
this
morning
that
inflation
and
now
with
gasoline
prices
coming
on
that
you
need
an
additional
three
thousand
dollars
a
year.
J
That's
not
likely
to
be
made
up
in
wage
increases
for
our
lower
wage
households.
They're
not
going
to
see
those
kinds
of
price
increases,
so
some
really
difficult
decisions
are
going
to
be
made
around
that
kitchen
table.
I
think
we've
got
a
long
time
to
really
kind
of
suffer
through
this
pain
and
when
you
look
at
the
eviction
moratorium
lifting
when
you
look
at
the
supply
chain
issues,
it's
not
solved
quickly.
We're
not
going
to
be
able
to
build
enough
units
quickly.
I
don't
know
how
to
answer
those
questions.
J
We
have
been
struggling
with
this
for
a
very
long
time
and
we've
sort
of
been
watching
the
tsunami
coming
at
us
throughout
the
entire
pandemic,
a
lot
of
band-aid
approaches
from
the
federal
government
and
even
at
the
local
level,
trying
to
mitigate
some
of
the
near-term
issues.
But
it's
gonna.
It's
catching
us.
It's
catching
us
for
sure.
B
And
to
that
point
I
read
an
article
I
think
was
yesterday
in
the
tampa
bay
times
about
the
the
possibility
of
of
declaring
an
affordable
housing
state
of
emergency.
Is
that
what
it's
called
yeah?
I
read
that
as
well,
and
I
don't-
and
I
don't
really
know
what
that
entails,
but
it
sounds
like
the
same
thing.
It
sounds
like
a
band-aid
that
stops
the
bleeding
for
the
time
being,
but
then
creates
a
a
bigger
issue.
B
In
the
end,
when
you
know
when
you're
telling
landlords
you
can't
evict
because
there's
a
pandemic
well,
if
they
don't
collect
payment
for
six
months,
the
rents
are
going
to
have
to
increase
it's
just
how
the
economy
works,
just
how
math
works.
So
you
know
it
it's
interesting
to
look
at
all
these
things,
but
we
have
to
make
sure
we
look
at
them
globally,
not
just
individually
and
saying
what
is
the
one
tool
we
can
use
now,
because
if
that
tool
ends
up,
you
know
being
a
negative
having
a
negative
effect
in
the
future.
J
Be
careful
and-
and
I
read
the
article
but
that's
the
extent
of
my
knowledge,
but
what
I
think
I
understand
about
declaring
a
state
of
emergency
chuck
mentioned:
we've
got
some
local
governments
that
are
contemplating
or
would
desire
to
contemplate,
putting
rent
freezes
in
place
or
unsubsidized
properties.
You
know
with
subsidized
properties,
hud
kind
of
tells
us
what
we
can,
what
they
can
do
so,
but
it
was
determined
illegal
to
put
a
rent
freeze
in
place.
J
Well,
I
think
the
workaround
then
became
declare
a
state
of
emergency,
a
local
state
of
emergency,
and
then
you
have
certain
authorities
that
you
can
can
enact,
and
so
I
think,
that's
sort
of
what
that
conversation
is
about.
J
J
That's
some
discussion,
we're
likely
to
have
to
some
degree
here,
there's
pros
and
cons
to
that,
a
lot
of
pros,
but
there's
some
things
that
I
think
we
would
need
to
watch
out
for,
but
I
think
it's
you
know:
we've
talked
about
the
remote
workers
right
chuck.
You
were
saying
I
think
yesterday
our
rental
prices
are
actually
not
out
of
the
norm
on
a
nationwide
basis,
which
is
shocking
to
me.
What
is,
though,
our
wages
are
particularly
low.
J
So
now
we've
got
all
these
folks
coming
in
my
husband's
a
home
builder
up
in
wesley
chapel
can't
build
them
fast
enough.
We
also
can't
get
garage
doors
or
appliances,
so
you
can't
get
co,
so
it
doesn't
matter
how
quickly
you
can
build.
You
can't
get
them
sold
they're
pre-sold,
but
you
can't
close
on
those
things,
so
so
many
challenges
that
are
impacting
this
supply
demand
cycle,
but
you
still
got
all
of
these
folks,
particularly
out
of
the
northeast
that
are
still
thinking.
This
place
is
a
bargain
and
they
can
remote
work
absolutely.
B
And
that's
what
they
do,
because
they
get
chicago
wages
for
pinellas,
county
rent
prices,
new
york.
H
H
It
is
it's
seeing
the
base
support
of
our
economy,
teachers,
fire,
police,
nurses,
hospitality,
which
is,
is
a
big
industry
here
they
can't
afford
to
live
in
our
economy
like
they
can't
afford
to
live
here
because
of
the
inflation
of
these
home
prices.
Everything
and
the
wages
aren't
matching
it
right,
and
you
know
I
one
solution
would
be
great,
but
I
think,
like,
as
everybody
says,
there's
so
many
different
things
that
have
to
happen
to
you
know
help
it.
H
I
know
people
say
the
bubble's
not
gonna
burst,
but
it
really
feels
like
a
slow
leak
might
have
to
happen
because,
once
you
know
the
people
that
support
your
economy
can't
afford
to
live
in
it,
it's
going
to
be
a
problem,
and
it
is
a
lot
of
remote
work.
Every
new
york
or
california
client
that
I
have
you
know
they're
coming
in
with
these
high
paying
jobs.
H
J
And
you
know
in
that
construction,
industry
and
I'm
sure
gabby
would
agree
in
2009.
So
many
folks
left
the
trades
because
you
couldn't
get
a
job
in
it
so
now
bringing
trades
back
with
or
without
skill
many.
So
I
you
know
my
husband
sees
this
every
every
day,
I'm
sure
you're,
seeing
it
every
day
in
the
subcontractors
that
you
bring
in
so
many
challenges
and
getting
quality
work
done
as
well,
which
can
extend
build
cycles
and
all
sorts
of
challenges.
J
All
you
know,
aligned
with
other
supply
chain
issues
that
I
don't
know
where
your
build
cycles
have
gone
if
you've
been
able
to
main
maintain
those
build
cycles.
But
I
know
my
husband
is
telling
me
130
day
build
cycles
now
more
like
160
170
days
yeah.
We.
G
So
you
know
I
don't
you
know,
I
cannot
get
trusses
so
now
we
have
many
houses
that
we
will
probably
not
be
able
to
close
because
of
just
one
simple
issue
and
as
much
as
we
try
to
see
in
advance
and
and
that
forward
thinking
about
what
else
can
happen,
you
know
it's
just
like
every
every
day
you're
you're
challenged
for
something
else,
so
it
yeah.
It
has
become
increasingly
more
difficult
and
the
same
house
that
we
were
building
last
year
is
costing
us
now
30
or
40
thousand
dollars
more
right.
G
J
Right
and
those
developers
that
are
perhaps
less
experienced
and
have
less
capital
now
it's
you
know,
you
add
time
on
receiving
those
payments,
so
that's
a
greater
risk
for
those
developers
as
well,
so
you're
going
to
see
developers
leaving
the
marketplace
quite
possibly
so
this
problem-
I
I
don't
know
when
it
gets
solved
or
how
we
solve
it.
We
certainly
are
struggling
to
figure
that
out
at
the
local
level.
You
know:
where
can
we
plug
holes?
I
don't
it's.
I
B
I
apologize
anything
else
for
a
check
at
this
point.
All
right
item
number
seven
is
board
members
to
be
heard,
but
I
think
we
just
did
that.
So
let
me
go
back
around
to
this.
Our
next
mayhap
meeting
is
scheduled
for
tuesday
april
12th
at
9.
00
am
here
in
council
chambers
and
we
are
returned.