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A
B
Affordable
the
neighborhood
and
affordable
housing,
Advisory
Board
is
called
to
order
on
December
13
2022
welcome
everyone.
The
agenda
for
today's
meeting
is
on
the
wall
at
the
entrance
of
Chambers.
Please
remember
to
turn
off
your
cell
phones
to
ensure
a
complete
record
of
the
board's
action.
We
ask
that
each
individual
wishing
to
speak
clearly
state
your
name
and
spell
your
last
name
for
the
clerk.
I
will
ask
the
board
members
to
introduce
themselves
and
identify
the
fields
that
each
represent
and.
B
B
Item
three
is
citizens
to
be
heard
regarding
items
not
on
the
agenda?
Is
there
anyone
here
to
speak
to
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'll
have
three
minutes
to
speak
on
a
subject
that
is
not
on
today's
agenda.
B
F
Thank
you.
The
record
truck
lane
Economic
Development
Housing
Department.
So
this
is
our
our
annual
Caper
consolidated
performance,
an
evaluation
report.
F
It
really
is
a
beast
of
a
report,
it's
one
that
that
we
struggle
with
every
year
with
the
with
the
timelines
of
it,
but
we
always
manage
to
get
it
done.
So
the
Caper
contains
information
to
access
the
to
assess
the
following
assessment
of
our
goals
and
outcomes,
resources
and
Investments,
affordable
housing,
homeless
and
other
special
needs,
public
housing
access
to
address
barriers
to
affordable
housing
and
monitoring.
F
So
the
main
purpose
of
the
Caper
is,
of
course,
the
document,
our
use
of
federal
funds,
which
of
course,
is
cdbg
at
home
and
the
narrative
sections
of
the
report.
What
we
try
to
do
is
we
try
to
discuss
our
accomplishments
using
state
and
federal
funds,
and
that
way
this
report
really
gives
us
kind
of
a
Port
of
our
entire
body
of
work
in
the
housing
division.
F
Through
the
cdbg
and
home
programs,
we
spent
1
million
three
hundred
seventy
five
thousand
eight
hundred
eighty
five
dollars.
We
also
spent
an
additional
988
750
in
state
and
local
funds.
In
addition
to
that,
we
spent
230
225
in
cdbg
CV.
Of
course,
you
all
know
that's
an
allocation
from
HUD,
specifically
to
address
impacts
from
the
covid-19
pandemic.
F
So
what
did
we
accomplish
under
a
very
challenging
home
buyer
conditions?
As
you
all
know,
we
we're
able
to
close
seven
down
payment
assistance,
loans,
totaling,
296
thousand
three
hundred
dollars,
I.
Believe
last
year's
number
we
reported
we
made
some
adjustments
to
that
program.
That
I
think
that
I
think
helped
and
and
more
are
forthcoming.
F
Terry
Malcolm
Smith
will
be
delivering
a
a
presentation
later.
This
morning,
on
our
down
payment
assistance
program,
something
you
all
requested,
we
completed
a
major
Rehabilitation
at
Lexington
Club
at
Renaissance
Square.
F
F
Really
more
of
a
tax
credit
anything,
but
our
contribution
helped
to
leverage
that
project.
As
you
know,
we
have
a
strong
relationship
with
Habitat
for
Humanity
of
Pasco
Pinellas
and
West
Pasco
counties.
They
completed
nine
single-family
homes.
During
the
program
year
we
spent
nearly
six
hundred
thousand
dollars
and
fourteen
public
facilities
projects
some
of
those
carried
over
to
the
previous
year
from
the
previous
year.
Some
were
completed
during
the
program
year
and
some
carryover
are
carrying
over
to
the
current
year.
F
F
We
spent
166
500
to
support
eight
Public
Services,
we're
allowed
to
spend
up
to
fifteen
percent
of
our
cdbg
allocation
on
public
services.
As
you
all
know,
we
funded
the
Kimberly
home
St
Vincent
de
Paul,
Community
Kitchen
Resource
Center,
Gulf,
Coast,
Legal,
Services,
Hispanic,
Outreach,
Center,
analysis,
offender,
re-entry
Coalition,
West
care,
Florida
pen
also
opportunity
opportunity,
councils,
Shore,
Services
Program,
and
we
funded
the
Hope
Villages
of
America
Grace
house
prior
to
them
changing
the
use
of
that
facility.
We
no
longer
funded
it
once
they
made
that
transition
and
you're
all
very
well
aware.
F
If
you,
you
may
remember
the
presentations
that
you
all
saw
back
in
April.
That's
part
of
the
process
to
putting
all
this
in
place
with
cdbgcv
funding.
We
Suncoast
Housing
Connections,
provided
mortgage
assistance
and
foreclosure
counseling
the
homeless
leadership,
Alliance
provided
and
is
still
providing
housing
navigation,
Services
directions
for
Living
helped.
F
F
Place
and
the
elderly
folks
there
so
directions
for
Living
helped
to
relocate
a
lot
of
those
folks.
We
provided
100
just
over
107
000
dollars
to
prospera
and
Tampa
Bay
black
business
Investment
corporation.
They
provide
education
and
technical
assistance
to
Clearwater
business
owners
and
hopeful
entrepreneurs.
F
We
provided
26
325
dollars
to
Suncoast
Housing
Connections
and
Tampa
Bay
Neighborhood
Housing
Services
to
provide
homeowner
homeownership
education
and
counseling
151
Clearwater
residents
took
advantage
of
that
program.
We
contributed
with
General
funds.
We
contributed
250
000
to
six
different
organizations
that
are
involved
in
the
space
of
preventing
homelessness,
so
we
collect
accomplishments
throughout
the
year.
So
we
track
the
number
of
people
served.
F
It's
a
requirement
of
Hud
the
number
of
people
we
served
this
year,
21
787
000,
that's
all
different
levels,
anywhere
from
building
a
single-family
home
to
someone
that
utilizes
a
facility
that
we
that
we
improve.
So
it's
all
different
levels.
But
that's
the
number
of
folks
that
we
report
in
the
Caper
that
we
assisted
to
our
programs
can.
F
21
787
individuals,
175
households
and
18
businesses
is
what
we
reported,
so
this
is
a
this
will
serve
as
a
public
hearing
for
the
caper.
We
were
scheduled
to
have
two
public
hearings
before
we
submit
this
to
HUD.
The
second
one
would
be
on
Thursday
when
I
present
this
caper
to
council
and
ask
the
city
council
and
ask
them
to
approve
it.
So
I'll
take
questions
at
this
time.
F
F
F
Well,
we
and-
and
that
was
kind
of
helpful
to
us,
because
with
project
costs
and
construction
costs
most
of
our
projects,
if
not
all
of
them,
ran
over
budget.
F
F
F
I
believe
Grace
house
expansion
was
was
another
that
that
obviously
didn't
get
right
right.
That
was
the
other
one
I'm,
sorry
they
were
going
to
create
more
units
and
and
obviously
that
all
changed
late
in
the
program
year.
They
they
transitioned
Grace
house
to
an
affordable
housing
project
rather
than
a
family,
homeless,
shelter
very
different
types
of
types
of
projects
in
the
eyes
of
Hud.
B
B
G
H
G
G
G
City,
the
housing
division
uses
the
401
funding
sources.
The
state
has
an
initiative:
partnership
programs,
your
program,
the
home,
the
HUD
home
investment
partnership,
home
program
and
open
now
will
be
used
for
folks
that
are
over
80
percent
median
income,
but
less
than
120
percent
up
to
15
000
will
be
provided
as
a
grant
and-
and
that
will
be
above
the
45
000
maximum
that
we
normally
provide
to
to
the
normal
down
payment
and
assistance
for
the
normal
down
payment
assistance.
G
The
the
funding
will
only
be
there
to
fill
a
gap.
So
in
the
event
that
someone
needs
additional
money
to
be
able
to
purchase
the
property,
then
that's
where
that
additional
fifteen
thousand
dollars
will
come
in
and
that's
not
just
for
the
fund,
the
folks
that
will
be
using
the
Oracle
funds.
It's
for
folks,
that
might
be
using
folks
that
are
below
80
median
income
that
might
not
be
able
to
afford
the
property.
If
this
fifteen
thousand
is
not
available.
F
Be
used
to
supplement
the
entire
program
folks
below
80,
follow
and
folks
below
120..
Okay,
as
you
know,
typically
the
funds
we
use
it's
difficult
for
us
to
fund
between
80
and
120
arpa
is
allowing
us
to
do
that.
So
now
we
can,
we
can
really
enter.
You
know,
consider
all
types
of
applications
from
all
the
way
up
to
120.
F
G
And
all
of
that
is
right:
it's
going
to
be
across
all
income
levels
if
you
have
a
client
that
is
at
60
and
they
need
additional
funding
to
make
it
well.
Okay,
the
next
is
the
income
chart,
which
shows
you
up
to
the
maximum
amount
for
a
single
personal
household.
That
income
could
not.
It
cannot
exceed
six
to
nine
thousand.
G
F
F
F
G
G
F
F
To
the
market,
really,
we
know
it's
tougher.
You
know
for
these
folks
to
income
qualified
to
have
to
buy
a
home
at
349
000.,
it's
not
not
always
going
to
happen,
but
we
leave
that
flexibility
in
there.
In
case
of
cases
correct.
G
Up
again
up
to
45
000
is
available
for
assistance.
The
the
home
buyer
must
obtain
pre-qualification
from
a
first
mortgage
lender.
They
must
complete
the
home
buyers,
education,
the
DPA
funding
will
not
exceed
what's
needed,
and
the
city
is
normally
goes
above
and
beyond,
because
most
municipalities
will
only
stay
in
a
second
position.
We're
flexible
enough.
Where
we're
saying
we
will
go
into
a
third
position
behind
the
bond.
The
bond
program.
G
G
Again,
zero
percent
interest
deferred
for
five
years
and
amortized
over
20
years,
the
first
five,
five
years,
no
payments
after
the
first
five
years,
it's
amortized
at
half
of
the
forty
five
thousand,
so
the
payment
amount
93.75
is
standard
for
all
clients
that
are
receiving
down
payment
assistance.
F
G
Additional
requirements
contribution
the
homeowner
has
to
control
contribute
at
least
one
percent
of
the
purchase
price
in
home
buyers.
Education
is
necessary.
We
recommend
that
the
homeowner
they
get
a
four-point
inspection
to
evaluate,
if
there's
some,
if
that's
the
property
they
want
to
purchase
or
not
the
city
go,
will
go
above
and
beyond
by
doing
that.
G
Hud
housing,
Quality
Inspection
and
you
made
a
recommendation
to
us
which
we,
we
went
LED
toward
the
department
and
we
made
adjustment
to
say
that
as
soon
as
a
person's
income
eligible
for
the
program,
we
will
advise
our
partners
that
that
process,
the
down
payment
assistance
to
go
ahead
and
order
that
inspection,
so
that
it
saves
time
and
it's
not
where
it's
going
to
prevent
someone
from
closing
when
the
first
mortgage
lender
is
ready.
So
that's
a
positive
step
that
we
have
taken.
G
We
do
run
a
risk
of
taking
that
step
because,
in
the
event
that
the
house
is
not
that
the
project
doesn't
go
through,
we
have
no
funding
source
to
pay
for
that.
We
have
to
use
our
admin
dollars
to
cover
those
costs.
G
The
first
mortgage
has
to
be
a
fixed
mortgage.
It
cannot
be
any
kind
of
predatory
lending
where
they're
being
charged,
for
example,
prepayment
penalty
if,
in
the
event
that
they
pay
off
ahead
of
time.
So
that's
something
that
we
do
our
due
diligence
on
when
we
review
these
applications
from
the
lender.
We
make
sure
that
it's
fixed
that
they're
on
the
cost
that
they're
charging
is
at
least
four
percent.
G
G
For
our
clients
to
apply
for
assistance,
we
advise
them
to
we
partner
with
Tampa
Bay
Tampa
Bay
Neighborhood,
Housing
Services,
formerly
known
as
Clearwater
Neighborhood,
Housing
Services
and
Suncoast
connections,
formerly
known
as
Tampa
Bay
CDC.
G
The
applicant
is
required
to
complete
all
complete
an
application
and
all
household
members
over
the
age
of
18
has
to
be
listed
on
the
application,
not
for
qualification
purposes
but
for
household
size,
because
when
we
do
household
income
it
has
to
be
household,
not
just
the
person
who's
applying
for
the
loan
proof
of
income
documentation.
We
require
at
least
two
months
of
pay
stub
for
all
work
in
household
Social
Security,
if
they're,
if
they're,
if
they're
on
Social
Security,
whether
it
be
disability
or
for
minor
children,
we
have
to
take
that
into
account.
G
Va
benefits,
alimony
pension,
child
support
and
we
require
the
most
recent
tax
return.
Even
though
we
we
just
try
to
look
at
the
tax
return
to
make
sure
the
income
that
they're
reporting
or
within
the
or
we
know
what
they've
received
you
know
in
previous
years
for
assets,
we
looked
at
them.
We
will
take
a
look
at
the
most
current
six
months:
bank
statement,
401k
or
any
income
coming
from
retirement
source.
G
G
G
Very
flexible
I
think
we're
better
than
most
other
municipalities,
because
we
will
say
we'll
go
up
to
45
of
the
back
end
ratio.
We
don't
look
at
the
front
end.
We
just
take
a
look
at
the
back
end
and
if,
if
someone's
back
in
is
over
45
of
their
income,
then
yeah
I,
you
know
we
think
that
they
need
to
get
go
to
counseling
work
with
the
the
you
know:
the
creditors
to
get
that
debt
to
that
back-end
ratio
down.
E
What's
the
average
time
frame
for
Suncoast
or
Tampa
Bay
neighbor,
formally
Clearwater
paper
I
can't
even
remember
they
both
switched
and
it's
too
confusing,
especially.
E
Yeah
yeah,
what's
the
average
time
for
them
to
process
one
of
these
cases.
G
I
would
say
anywhere
from
four
to
five
weeks.
Normally
there
is
a
closing
date
on
the
pond
track
and
I
we
have
not
exceeded.
We
have
not
gone
past
that
closing
date
on
the
contract
and
we're
striving
to
even
you
know,
do
better
to
make
sure
that
you
know
if
they
can
close
earlier
we're
in
a
position
to
do
so
are.
G
Neighborly
application,
how
we
have
the
neighborly
application
structured.
It
requires
a
contract
for
them
to
them
to
forward,
so
they
could
work
with
the
counselors
to
make
sure
that
they're
income
eligible,
but
to
take
it
beyond
that,
we
really
need
a
property
to
make
sure
the
property
is
within
the
city
limits
of
clear
water
and
that
they,
if
you
know
that
whatever
they're
purchasing,
is
within
the
guidelines
so
doing
the
down
payment
processing.
G
I,
don't
think
it
it's
it's
paper,
a
lot
of
paperwork
paper
that
you're
collecting
and
to
to
save
the
time
of
doing
so.
We
structure
the
application
to
to
not
go
forward.
Unless
you
have.
You
know,
as
you
said,
a
sales
contract.
C
So
the
the
neighborly
site
is
that
something
the
lender,
uploads
things
or
something
where
the
lender
sends
it
to
one
of
the
organizations
and
they
upload.
G
It
correct
yeah,
the
lender
sends
it
to
the
organization
and
the
organization
go
in
and
start
the
process
in
once
they
have
the
required
documents
to
contract
the
application
lenders,
application
the
1003
right.
B
So,
does
that
mean
that
a
resident
of
the
city
of
Clearwater
can
technically
can't
get
like
pre-approved
for
down
payment
assistance
loans
until
they've
until
they
found
a
property
and
they
have
a
sales
contract
on
that
property?
There's
no
like
pre-appro
to
your
point:
Lindsay,
there's
no
pre-approval
process
for
a
person
to
know
that
they
are
eligible
for
the
DPA
before
they
start
looking
for
houses,
because
we
know
how
fast
houses
come
and
go
on
the
market.
B
G
They're
always
working
with
the
with
the
counselor
okay,
they
have
a
one-on-one
with
a
counselor.
So
even
though
there
might
not
be
an
application
that
you
know
they
have
started
in
the
neighborhood
system,
the
the
the
counselors
are
collecting
the
documents:
okay,
they're
working,
one-on-one
to
say,
yeah.
You
know
you
can
go
ahead
and
I
can
look
at
your
income
and
assets.
Okay
to.
G
Yeah,
it's
just
to
save
staff
time
instead,
because
every
time
that
an
application
is
completed
in
neighborly,
it
triggers
us
to
going
into
and
to
review
that
application.
So
we
we
tailor
it
so
that
unless
you,
you
are
really
ready
to
to
purchase
the
property
with
your
contract
and
your
approval
letter
for
letter
from
the
lender,
then
we
will
not.
You
want
me
to
upload
all
those
documents
into
the
neighborhood
system.
B
So
part
of
what
you
presented
earlier
Chuck,
there
were
seven
DPA
loans
closed
in
fiscal
year,
2021
2022.,
so
that
means
there
were
seven
households
that
were
successful
in
getting
the
program
that
you
just
the
assistance
that
you
just
presented,
yeah
I,
would
I
want
to
know
from
this
board,
and
maybe
even
from
members
of
the
public
is.
Is
that
a
number
that
is
high?
That
is
low,
that
is
average?
What
like.
E
I
think,
from
years
past
it's
probably
lower,
but
that's
more
to
do
with
the
housing
market
and
you.
These
are
recent
changes,
because
you
guys
used
to
be
under
80,
correct
and
now
you're
going
up
to
120,
which
would
help
serve
more
people
that
could
qualify
that
the
biggest
issue
we've
had
is
the
home
prices
and
being
able
to
qualify
for
the
program.
So
a
lot
of
times
when
you
were
under
80,
it
was
difficult
to
qualify
for
homeownership
in
the
city
of
Clearwater
because
of
the
home
prices
and.
G
Also,
the
feedback
that
I've
received
from
from
the
partners
is
that
the
stock
isn't
I
guess
the
stock
is
coming
back
when
I
was
in
stock
a
couple
of
months
ago.
It
wasn't
really,
therefore,
you
know
our
clientele
to
really
go
out
and
effectively
research,
and
you
know
obtain
the
property
that
they
can
afford.
C
And
I
think
it's
also
fairly
recent
that
the
the
maximum
price
has
gone
up
to
that
349
in
the
past.
It's
been
right
at
that
278
or
even
lower,
obviously
in
years
past,
but
to
find
a
house
for
you
know
less
than
278
thousand
dollars
within
the
city
of
Clearwater
that
is
going
to
pass.
The
inspection
that
it
needs
to
pass
is
difficult.
F
But
we
do
think
the
changes
that
we've
made
will
make
a
difference.
We're
going
to
be
able
to
serve
a
lot
more
folks
over
80
Ami.
The
extra
fifteen
thousand
dollars
in
grant
funding
will
close
a
lot
of
gaps.
I
I.
Did
you
know
the
Market's
slowing
down
a
little
bit?
I
mean
you
know
it
was
just
record.
Pace
I
mean
you
just
you
couldn't
you
know
when
you
were
partnering
with
local
government
for
a
loan,
you
just
you
couldn't
keep
up.
You
couldn't
close
anything
I
think
we're
going
to
see
an
improvement.
F
E
F
It
may
not
happen
in
this
physical,
but
we
will
not
happening,
but
we
we're
partnering
with
we
put
on
RFP
for
development
of
the
city
site,
1.3,
acre
City
site
24
units
between
80
and
120,
up
to
120
Ami,
we're
going
to
see
probably
12
dpas
out
of
that
project.
So
that's
that's
great
yeah
I
have
to
look
at
what
our
goal
is
for
for
dpas
for
the
Congress.
A
If
I
may
Denise
Anderson
Economic
Development
housing.
J
A
F
Yeah,
what
we're
thinking
is
we're
farming
out
the
the
construction
piece
we
would.
We
would
take
the
applicant
through
intake
all
the
way
up
to
qualification
and
then
hand
it
over
to
a
partner
capable
of
managing
that
other
piece,
and
it's
going
to
allow
housing
coordinators
to
focus
a
little
bit
more
on
some
of
our
other
housing
programs.
That's
that's
the
goal
dpas
and
some
of
these
other
projects
we
have
coming
through,
but
through
the
pipeline,
because
there's
a
lot
going
on.
G
But
we
did
get
a
pretty
good
and
I
think
it's
going
to
happen
over
the
next
a
couple
of
years
from
the
state.
Our
allocation
is
over
one
million
dollars.
Okay,
so
we
do
have
fun
funding
available
from
the
ship
fund
and
from
the
home
program
to
to
assist.
You
know
folks,
buying
performance.
E
G
Think
that
the
counseling
and
the
one
and
one
yeah
you
know
it
goes
hand
in
hand.
So
when
they
do
the
counseling,
they
also
do
the
one
and
one
because
I
see
the
certificate
coming
in
from.
You
know
the
clients
that
that
are
getting
down
payment,
that
they're
doing
the
council
and
they're
doing
one-on-one
also.
E
As
part
of
your
sub-recipient
monitoring,
are
you
guys
monitoring
the
housing,
counseling
and
and
kind
of
what's
said
in
there?
I
knew
this
came
up
recently
that
they're
been
given
a
list
of
certain
lenders
or
a
list
of
certain
Realtors
and
how
people
are
getting
on.
Those
lists
are
taken
off
of
those
lists,
since
they
are
getting
Government
funding.
How
is
do
we
know
what
the
process
is
with
either
of
those
housing,
counseling
agencies.
G
G
Refer
them
to
someone
else
and
I
had
normally
you
know,
I
would
rapport
with
the
folks
that
we
partner,
partnered
with
and
I,
was
able
to
cuddle
them
and
try
to
get
their
process,
but
rightly
so,
yeah
we
need
to
you
know
for
this
year's
monitoring
of
those
of
these
agencies.
We
need
to
find
out.
You
know,
you
know
what
your
process
or
your
procedures
are
for.
You
know
when
the
clients
do
have
their.
You
know
pre-approval
letter
or
say
they're
working
with
someone.
I
G
That's
a
good
question:
no
because
they
go
through
the
the
our
partners
and
if
you
only
see
the
ones,
the
ones
that
are
approved.
So
that's
a
good
point.
That's
something
that
we
need
to
probably
take
into
consideration
yeah
how
many
people
are
coming
through
yeah
and
which,
why
are
they
not
getting
assistance.
C
Okay,
so
you
mentioned
in
your
presentation
to
Partners
to
nonprofit
organizations.
There
is
a
third
that's
in
Saint
Pete.
Is
that
not
an
organization
that
someone
can
use
neighborhood
Home
Solutions
in
St,
Pete.
G
B
I
guess
my
last
last
question,
and
this
may
be
more
question
for
the
board
than
it
is
for
you
Terry,
but
is
how
do
we?
You
know
if
we
were
to
evaluate
how
we're
commun,
how
the
city
and
how
we
are
in
general
are
communicating
about
this
program?
Do
we
think
that
the
instructions
are
clear?
Do
we
think
that
people
know
where
to
go
to
look
for
information,
or
does
it
mostly
happen
that,
depending
on,
if
they
have
a
good
lender
or
a
good,
you
know
connection
with
somebody
who's
connected?
C
The
most
part
as
if
they
have
a
good
lender
or
a
good
realtor
who
knows
about
the
program
or
any
programs
that
are
available,
because
there
are
many
programs
available
in
Pinellas
County
you
have
to
go
through.
You
have
to
find
the
right
lender
or
the
right
realtor.
Who
knows
that
there
are
programs,
and
then
the
realtor
can
say.
Okay,
here
are
a
couple
lenders
who
work
with
those
programs.
G
But
can
we
also
put
out
our
information
with
the
public,
the
Clearwater
libraries
we
we
take
one
month,
one
day
out
of
every
month
and
we
sit
at
you
know.
You
know
let
the
library
know
what
time
we're
available
for
for
for
for
the
residents
coming
in
seeking
information
and
what
programs
we
have
available.
So
we
also
have
that
information
out
there
via
our
library
or
system.
E
I
would,
as
far
as
notification,
because
these
are
definite
changes
that
have
happened
and
I
don't
know
when
they
happened.
I
think
it
was
recent,
but
updating
the
website
I
think
would
be
crucial
for
the
public
knowledge
and
then
also
maybe
putting
out
you
know
a
general
thing
to
Pro
or
something
like
that
that
they
can
pass
along
to
Realtors
and
to
their
lending
Partners
as
well,
and
maybe
there's
a
better
source
for
lenders
other
than
Pro,
but
somewhere
just
to
put
out
a
you
know,
a
public
notice
that
hey.
E
We
have
made
these
modifications
to
the
program
because
I
have
a
I,
have
a
spreadsheet
going
and
then
I,
because
they're
always
changing
and
every
Pro
we've
talked
about
this
before
every
program
is
different
in
Pinellas
County,
but
I
do
try
to
check
the
websites
for
each
municipality
before
I
meet
with
a
client
to
know.
So,
if
that's
updated
or
putting
you
know
just
putting
out
a
general,
you
know
notice
of
some
kind
to
those
partners
that
are
helping
with
the
down
payment
programs.
I
think
would
be
good.
B
C
Would
I
mean,
even
especially
like
in
my
company
anytime,
there's
a
change
in
any
down
payment
assistance
program
I
have
to
report
it
to
our
higher
up,
so
they
can
change
so
that
everybody
here
locally
knows
that
knows
what's
available
and
you
know,
and
so
they
can
prove
the
use
of
the
program.
F
To
get
that
information
out
through
a
direct
email
blast,
you
know
you
all
will
see
that
distribution,
so
you
know
share
that,
as
as
you
can
your
professions
I'm
excited
about
this
I
think
this
is
one
of
the
the
best
changes
we've
made.
You
know
since
I've
been
here
in
terms
of
getting
more
more
done
with
down
payment
assistance
and
the
Market's
changing
so
right.
B
I
wonder
if,
since
you
mentioned
having
a
day
every
month
at
the
library
where
it's
kind
of
like
an
open
house
and
people
can
come
and
ask
questions,
I
wonder
if
we
should
think
of
something
of
this
format.
But
have
you
know
Realtors
come
in
or
lenders
come,
whoever
is
part
of
the
process,
because
it's
really
a
partnership,
there's
a
lot
of
people
that
rely
only
on
the
information
that
their
realtor
has
or
only
on
the
information
that
their
lender
has
so
I.
B
F
F
Freely
asked
questions
previously:
we've
done
it
at
the
green,
the
north
Greenwood
Library,
this
patient's
light
and
then
we'll
get
one
or
two
folks
come
in
can
help
absolutely
anyone.
It's
it's
worthwhile.
So
you
know,
Terry
has
spent
some
time
with
those
I've
I've
sat
in
on
those
we
always
cover
it.
One
way
or
the
other
Sanderson
is
standing
on
them
as
well.
We
have
one
this
Friday.
B
Okay,
so
this
is
a
presentation
on
the
items,
so
it
does
not
require
a
motion,
but
I
just
wanted
to
open
it
up
to
anybody
in
the
audience
or
in
the
public.
If
they
have
any
comments
to
add.
Normally,
we
don't
really
have
a
public
comment
when
it
comes
to
a
presentation,
question,
but
I
want
to
make
sure
I
open
it
up
in
case
anybody
has
anything
to
add
yeah
remove.
B
K
Thank
you
for
having
me
here.
I
just
have
a
quick
question
about
the
lender.
Pre-Approval
process.
Are
we
helping
those
individuals
with
that
pre-approval
as
well?
Or
is
it
just
that
you
go
get
pre-approved
and
then
come
to
us,
because
that
will
create
an
issue
depending
on
what
kind
of
a
client
it
is,
and
they
may
not
even
be
able
to
get
that
pre-approval
letter.
F
No,
we
we
they
get
that
pre-approval
on
their
own.
We,
we
really
rely
on
the
on
the
banks
underwriting
for
this.
If
they're
approved
by
the
bank,
it's
it's
and
they
income
qualify
into
our
program.
We're
not
we're
not
going
to
deny
them,
so
they
have
to
go
to
that
bank
and
they
have
to
get
their
pre-approval
on
their
own.
K
C
You
know
there
are
plenty
of
lenders
out
there
who
will
do
just
that
and
say
you
know
what
your
debt
to
income
ratio
is
just
a
little
too
high.
Let's
talk
about
maybe
paying
this
down
or
paying
this
off
or
you
need
to
work
on
your
credit
score.
Let's
go
to
one
of
these
counseling
organizations.
They
will
help
you
and
that's
really
I
think
that,
unfortunately,
that's
lender
specific
some
lenders
know
about
all
this.
Some
lenders
know
it.
K
Is
yeah
absolutely
and
my
other
question
was
regarding
the
homeowner
inspection
that
we
spoke
about?
Can
they
use
any
license
inspector
or
they
have
to
use
the
one
that
the
city
of
Clearwater
uses
well.
F
When
it
comes
to
the
housing
quality
standards
inspection,
we
have,
we
have
inspector
on
the
contract
that
we
use
and
they
have
to
use
that
inspector
is.
F
It's
it's
rock
solid
is
the
name
of
it.
Now
we
encourage
them
to
get
a
four-point
inspection
on
their
own
right.
It's
not
required
the
housing
Quality
Inspection
required
and
and
when
you,
when
you
all
sat
on
the
affordable
housing
advisory
committee,
you
ask
that
we
move
that
up
in
the
process
so
as
to
not
delay
the
loan
from
happening
and
and
Terry
explained
that
we've
done
that.
Okay.
E
Right
so
Home
Inspections,
the
home
inspection
would
come
at
the
beginning,
like
your
normal
contract
and
it's
totally
different
than
the
hqs,
the
hqs,
the
housing
quality
standards.
Inspection
is
more
for
the
down
payment
assistance
funds,
so
it
you
would
still
encourage
as
a
realtor
them
to
do
their
regular
Home
Inspection,
where
they
get
the
four
point
and
win
mitigation
and
the
full
home
inspection
report,
because
they're
very
different
Home
Inspections.
Now.
G
E
Not
testing
certain
things
that
a
four
point
will
test:
they're
testing
other
things
that
they
think
take
priority
over
some
of
those
things
so
they're,
actually
not
looking
at
some
of
the
big
things
you
know,
they're,
not
up
on
the
roof,
inspecting
the
roof.
They're,
not
inspecting
they're,
not
testing.
You
know,
they're
not
testing
those
things,
but
they
are
looking
to
make
sure
the
home
has
smoke,
detectors
or
they're
meeting
these
certain
housing,
what
they
consider.
E
I
K
The
housing
quality,
the
housing
quality
of
field
is
more
to
geared
towards
the
the
safety
of
the
individual
who's
living
in
the
house
right
if
the
title
is
cracked
or
if
the
window
is
full
of
stuff
like
that,
like
you
mentioned,
they
don't
go
on
the
roof.
The
four
point
is
strictly
about
the
AC,
the
plumbing,
the
electric
and
the
rules
and
stuff
like
that.
B
F
Okay,
so
this
is
something
that
that
you
all
asked
me
to
do
and
I
think
there
were
a
couple
of
reasons
behind
you
asking
me
to
do
this.
You
wanted
to
talk
about.
F
You
know
contemplate
combining
the
two
boards
to
see
if
that
made
any
sense
or
not,
and
also
I
think
you
are
contemplating
a
recommendation
to
move
the
times
of
the
meetings
and
then
you
wanted
to
kind
of
really
better
understand.
You
know
the
roles
of
each
board
that
you
sit
on
before
really
making
any
recommendations.
F
So,
following
this,
the
next
agenda
item,
Miss
Hampton,
will
will
give
you
a
presentation,
a
draft
presentation
that
should
be
presenting
to
Council
on
behalf
of
the
board,
so
I
think
when
she
goes
through
that
I
think
it's
good
timing,
I
think
you
really
need
to
consider
the
things
I'm
going
to
explain
to
you
when,
when
Mrs
Hampton
does
that
presentation,
because
she's
going
to
need
to
present
items
that
that
is
that
is
in
your
purview,
right,
I'm
gonna?
F
It's
gonna
be
a
little
bit
dry
because
I'm
going
to
be
reading
from
our
ordinance
and
for
you
all
of
it,
but
to
help
you
get
just
an
idea,
so
the
neighborhood,
affordable
housing,
Advisory
Board.
There
are
basically
there's.
F
Let
me
talk
about
the
membership
first.
Okay.
The
board
shop
consists
of
a
minimum
of
seven
members
and
augmented
by
four
members
annually.
A
resolution
of
the
city
council,
who
are
residents
or
or
of
or
conduct
work
within
the
city
members
shall
be
appointed
by
the
city
council.
You
are
all
appointed
by
the
city
council.
F
The
Orchard
include
the
following
one
citizen,
who
is
actively
engaged
in
the
residential
home
building
industry
in
connection
with
affordable
housing.
Ms
Camacho
fills
that
seat,
one
citizen
who
is
actively
engaged
in
banking
and
mortgage
industry
in
connection
with
affordable
housing,
Miss
fields
that
fills
that
seat,
one
citizen
who
is
actively
engaged
as
an
advocate
for
low-income
persons
in
connection
with
affordable
housing.
That's
Pete
Scalia,
one
citizen
who
is
actively
engaged
as
a
non-profit
provider
of
affordable
housing.
F
That's
Kevin
Chenault,
one
citizen
who
is
actively
engaged
as
a
real
estate
professional
in
connection
with
affordable
housing.
The
stock
is
Harrison
and
one
citizen
who
resides
within
the
city
of
Clearwater
is
in
Santiago,
and
one
citizen
represents
employers
within
the
city
of
Clearwater
and
that's
accepting
so
it's
very
prescribed
and
we
fell
asleep.
It
has.
F
It
happened
so
much
some
are
easier
to
fill
than
others.
So
if
a
vacancy
occurs,
a
new
appointment
shall
be
made
by
the
city
council
for
the
unexpired
term.
Members
Shall
Serve
without
pay,
so
expect
me
to.
D
F
F
So
if
we
meet
in
January
you'll
do
it,
then,
if
we
cancel
January's
meeting
will
be
in
February,
city
manager
shall
designate
a
city
employee
to
serve
as
the
staff
liaison
for
the
board
and
to
assist
the
board
and
the
performance
of
its
duties,
and
that
would
be
me
some
powers
and
duties,
and
this
is
where
you
get
into
you
know:
what
is
it
they
all
do?
What's
your
purview
there
are.
F
There
are
four
major
categories
on
this
on
this
on
this
ordinance
I'm
going
to
read
to
you,
one
review
programs
of
the
city
which
are
directed
to
improving
the
physical
environment
and
lifestyle
of
low
to
moderate
income,
people
assisted
by
the
various
federal
state
and
County
Housing
Community,
Development
programs.
The
city
receives
by
a
assessing
neighborhood
needs,
be
formulating
neighborhood
goals
and
objectives,
C,
establishing
priorities
for
projects
within
neighborhoods,
D,
monitoring
programs
and
E
evaluating
programs.
F
So
really
all
of
this,
if
you
think
of
the
role
in
the
different
steps
you
take
in
our
annual
official
planning
process
and
then
in
improving
the
reports
that
we
will
produce,
that's
really
I
think
what
all
this
speaks
to.
In
my
opinion.
Okay,
that's
where
you
really
capture
most
of
this
two
with
regard
to
monitoring
and
evaluation
of
programs,
you
you
do
the
following
activities:
a
attending
and
participating
in
public
hearings
regarding
the
programs.
F
This
morning,
I'm
presented
the
caper
the
public
hearing
this
this
board
oftentimes
serves
as
a
venue
for
a
public
hearing
when
required
by
the
funding
source,
review,
condition,
data
reporting,
reporting,
citizen
reaction
to
projects
and
programs,
reviewing
reports
regarding
projects
and
program
activities,
reviewing
goals
and
objectives
and
recommending
priorities
for
the
order
in
which
activities
are
to
be
undertaken
and
reviewing
applications
for
the
funding
of
selected
programs
and
again
I.
Think
a
lot
of
this
is
captured
in
a
lot
of
the
annual
action
planning
work.
F
You
do
and
and
the
feedback
that
you
provide
at
each
meeting
it
all
ties
in
the
other
major
another
major
area,
three
make
recommendations
to
the
city
manager
and
city
council
regarding
these
types
of
programs
that
you
all
have
that
Latitude.
You
can
make
a
board
motion
to
instruct
me
to
make
a
recommendation
to
Council
or
to
the
city
management.
You
always
have
that
Latitude
and
the
last
major
category
talks
about
the
affordable
housing
Advisory
board.
So
I'll
I'll
talk
about
that.
So
you
know
really.
F
If
you
want
to
talk
about
the
differences,
you
know
think
about
the
names
of
the
board
neighborhood
and
affordable
housing,
Advisory
Board.
So
then
they
have
not
only
discussed
this
affordable
housing
but
Community
Development
projects,
Community
projects,
homeless,
issues,
things
of
that
nature.
The.
J
F
Is
specifically
housing
and
the
hack
doesn't
get
into
projects
the
heck
gets
into
policy
and
what
it
takes
to
make
Clearwater
a
better
space
for
Developers
to
build,
affordable
housing.
So
let
me
get
into
what
the
ahac
does.
So
the
board
shows
it
separately
is
affordable
housing
than
they
have
shots
it
separately
as
the
affordable
housing
advisory
committee.
According
to
Florida
statute
420.9076,
it's
all
captured
in
that
Statute.
In
addition
to
the
seven
members,
four
additional
committee
members
will
be
appointed
by
resolution
of
the
city
council
in
the
following
categories.
F
F
Represents
a
special
essential
service,
Services
personnel,
as
defined
in
the
local
housing
assistance
plan,
Clearwater
Housing
Authority
actually
meets
that
definition.
Their
CEO
Jacqueline
Rivera
has
filled
that
seat
since
I've
been
in
this
position,
she's
filled
that
seat,
so
the
ahex
shall
have
the
following
powers
and
duties:
review,
established
policies
and
procedures,
ordinances,
Land,
Development
regulations
and
adopted
local
government
comprehensive
plan
of
the
city
and
shall
recommend
specific
actions
or
initiatives
to
encourage
or
facilitate
affordable
housing,
while
protecting
the
ability
of
the
property
to
appreciate
value.
F
The
board
shall
submit
a
report
to
the
city
that
includes
recommendations
on
the
implementation
of
affordable
housing
in
incentives
in
the
following
areas.
So
there's
11
by
Statute,
there's
11
criteria
that
you
are
required
to
evaluate
each
time
we
meet
as
an
AAC
and
the
deliverable
is
our
local
housing
incentives
strategy
report.
So
what
we
do
and
if
you
remember,
we
go
through
the
pre,
the
report
from
the
previous
year
and
you're
familiar
what
we
familiarize
you
with
all
of
the
things
that
previous
boards
have
done,
and
your
role
is
to
update
that
report.
F
F
We
discussed
that
in
a
very
healthy
way.
Every
time
we
meet
the
allowance
of
flexible
densities
for
affordable
housing,
we
have
a
density,
bonus,
affordable
housing,
the
reservation
of
infrastructure
capacity
for
affordable
housing,
they're,
really
not
necessarily
in
Clear
Water.
Our
infrastructure
is
so
well
built
out
the
allowance
of
of
affordable
accessory
residential
units
in
residential
zoning
districts.
We
talked
about
that
in
length.
F
That's
very
important.
Whenever
we
make
you
know
regulatory
decisions,
regulatory
rules
in
the
city,
we
have
to
make
sure
we're
not
discouraging
developers
from
building
affordable
housing.
That's
what
that's
intended
to
do.
The
prep
preparation
of
a
printed
inventory
of
locally
owned
public
lands.
We
do
that
as
well
support
development
near
Transportation
hubs
at
Major,
employment,
centers
and
mixtures
developments,
so
by
Statute.
The
ahap
is
required
to
consider
all
of
these
things
and
make
recommendations
to
the
city
council
on
how
to
how
to
make
improvements
with
regard
to
incentivizing,
affordable
housing
by
making.
F
Have
so
it's
you
know
the
state,
you
know
Florida
housing.
They
really
understand,
I,
think
that
the
money
that
they
give
us,
even
though
it's
it's
increased
over
the
last
year.
It's
you
know
a
million
dollars
I
mean
how
many
new
units
are
going
to
build
with
a
million
dollars
right.
They
understand
that
really
attacking
it
at
the
policy
level
can
really
move
the
needle
more
than
funding
some
some
new
units.
So
that's
what
this
is
intended
to
do.
It's
a
10.
F
It's
forcing
the
cities
that
get
State
housing
funding
to
really
take
a
good
look
at
their
policies,
not
just
internally
but
a
board
of
professionals
to
to
look
at
our
policies
to
make
sure
we're
doing
things
the
right
way
and
to
encourage
affordable
housing
into
not
and,
as
importantly,
to
not
discourage
development
of
affordable
housing
and
you're.
You're.
Also
able-
and
you
have
in
the
past,
to
recommend
make
recommendations
outside
of
these
11
areas.
F
The
approval
of
the
board
of
the
city's
local
incentive
strategies
recommendation
and
its
review
of
local
government
implementation
of
previously
recommended
strategies
must
be
made
by
affirmative
vote
of
a
majority
of
the
membership
of
the
board.
Taken
at
the
meeting
you
all
make.
As
I
said,
you
make
a
modifications
to
our
local
housing
incentives
strategy
report
and
that's
how
you
make
your
recommendations
to
city
council
and
I
present
that
to
the
board
So.
F
We've
talked
about
not
allowing
the
committee
to
Sunset
and
changing
this
and
just
reconvene,
but
I
I
think
that
may
conflict
with
the
statute
so
we're
trying
to
okay
we're
trying
to
stick
as
close
to
the
statute
as
we
can
there
are
there.
Are
you
know
there
are
some
I
believe
that
that
have
Justified.
F
You
know
the
ahap,
we
stick,
we
keep
the
ahac
to
the
statutory
requirements
and-
and
we
don't
go
outside
of
that
now-
whether
or
not
we
can
you
know
I
think
for
the
sake
of
your
discussion,
I
think
I
think
we
probably
can't
if
we
wanted
to
combine
the
two
boards,
the
ahac
would
have
to
cover
the
other
issues
that
you
covers
and
they
have
like
the
annual
action
planning
process
and
the
like.
F
But
that's
that
pretty
much
wraps
it
up.
Do
you
have
any
questions
on
anything
else
very
boringly
presented.
E
B
B
You
know
you
can
look
at
it
and
say
the
a
hack,
because,
because
it's
about
policy
and
reviewing
policy
is
about
incentivizing,
affordable
housing
for
the
city
of
Clearwater,
while
the
nahab
is
about
executing
affordable
housing
for
the
city,
because
of
that
distinction,
I
think
it's
just
confusing,
because
one
of
the
boards
is
year
round
and
the
other
one
isn't,
and
so
there's
also
so
that
that
that
starts
the
confusion,
I
think
and
then
the
other
part
is
if
the
ahax
mission
is
to
review
policy
and
incentive
by
affordable
housing.
B
Are
we
supposed
to
just
stick
to
the
lhis
which
we
just
did
or
are
we
supposed
to
look
outside
of
that
as
well?
Are
we
supposed
to
you
know,
include
or
or
try
to
encourage
more
citizen
participation
since
it's
about
you
know,
policy
and
move
it
really
truly
moving
the
needle
and
same
thing
for
the
nahab
I.
Think.
B
One
of
the
comments
that
we
made
in
the
past
is
that
we
are
not
seeing
a
lot
of
citizen
participation
participation
because
of
the
times
of
their
meetings,
and
so
that's
one
of
the
conversations
that
we
wanted
to
have,
but
it
makes
sense
the
way
that
it
is
explained
and
the
way
it
is
written
for
the
boards
to
be
different
because
they
have
different
goals.
I
think
it's
just
confusing,
because
a
lot
of
the
members
are
happen
to
sit
on
both
so
that's
started.
The
computer.
D
B
I,
don't
know
that
and
again
that's
a
legality
question,
but
because
the
ahac
include
an
elected
official,
it
might
be
a
different
rule
for
the
Neha,
because
if
the
whole
point
of
nahab
as
a
as
a
body
is
to
make
recommendations
to
the
city
council,
it
would
be
counterproductive
for
a
member
of
the
city
council
to
be
part
of
that
body.
That
makes
recommendation
to
City.
B
F
Know
I,
don't
know
how
the
how
the
city
council
would
react
to
that
right.
I'm,
quite
certain
Miss
Beckman
would
love
to
sit
on
the
board
year
round
and
I
certainly
wouldn't
have
any
objection
to
that
right.
It's
not
my
it's
not
my
call,
but
it
you
know
we
don't
have
City
Council
Members.
It's
an
Advisory
Board
something
city
manager
would
have
to
weigh
in
the
city
council
on
that.
F
B
I
personally,
I,
look
at
the
ahac
and
I
see
that
it
makes
sense
to
only
have
it
part
of
the
year
because
of
that
report.
That
is
due
because
of
the
recommendations
that
are
due
but
I
think
if
the
ahap
were
to
become
a
year-round
board
it
would.
We
would
basically
need
to
have
a
lot
of
input
from
citizens
in
order
to
have
anything
to
discuss
because
Beyond
those
recommendations
that
we
make
in
the
four
or
five
months
that
we
meet.
What
would
we
be
reviewing?
What
would
we
be?
You
know
incentivizing.
B
With
especially,
if
we're
trying
to
change
the
time
of
the
meeting,
maybe
it's
scheduling
wise.
It
would
be
helpful
to
only
have
one
you
know
board
year
round
that
meets
at
the
same
time
every
month,
and
you
know
what
not
I
think
but
I
don't
think
it's
necessary
I,
don't
know
what
you
guys
think.
B
E
Then
I'm,
like
oh
there's,
more
people
here
now,
but
we
held
our
meeting
just
right
right
afterwards,
and
sometimes
it
was
very
light
on
those
months
anyway.
So
I'm
not
seeing
the
need
for
dividing
or
combining
I
think
the
Divide
worked
well
to
accomplish.
F
I
B
And
the
issue
with
that
is,
if
the
statute
suggest
or
requires
that
those
four
additional
members
of
the
ahac
only
serve
for
that
one
term
and
can't
can't
just
stay
on
the
ahac
or
I,
and
maybe
I
misunderstood
this.
But
you
were
saying
that
the
four
members
that
are
the
additional
members
from
the
nihab
that
serve
on
the
ahac-
they
usually
just
serve
the
one
term,
which
is
four
months
or
five
months
and
then
they're
not
on
the
board
the
following
year.
B
F
Well,
with
the
ahack
we're
having
to
appoint
every
year,
it
does
give
the
flexibility
to
to
bring
Fresh
Faces
in
okay,
where
you
all
serve
a
four-year
term.
We
can
do
that.
We
had
a
fresh
fish
this
year
with
Bruce
Rector,
so
there's
a
benefit
in
that
I.
Suppose,
okay,
if
that
answers
your
question,
I.
B
F
F
If
that's
what
you
want,
I
mean
it
almost
sounds
like
you're
leaning
towards
the
two
two
different
boards.
F
E
I
I,
like
the
two
boards
and
I
think
for
those
few
months
that
we
are
meeting
and
I
know
we're
talking
about
the
action
plan
during
those
times
and
things
like
that.
I
think
it
also
gives
a
good
direction
for
carryover
for
our
board
the
rest
of
the
year
and
then
I
also
see
the
logistics
of
having
a
larger
board
and
commitment
from
them
to
to
be
here
for
the
entire
year.
I
B
Perfect
and
we'll
just
keep
it
as
no
I
do
think
we
all
agreed
that
we
need
to
revisit
times
for
meetings
right.
We
all
agree
with
that.
Yes,
okay,
so
is
that
something
that
you
can
bring
back
and
maybe
look
at
the
schedule
for
2023
and
see
what's
possible
as.
F
F
The
other
day
and
she
talked
about
about
active
people
being
being
able
to
just
participate.
H
A
program
that
we
use,
we
used
there's
the
ability
for
public
comment
to
come
in
prior
to
the
meeting.
There
is
also
she
was
saying
in
and
didn't
see
me
know:
there's
actually
get
an
email
address
for
this
board
through
our
system,
where
people
could
provide
comment,
and
one
of
those
I
don't
remember,
which
has
the
ability
to
receive
comment
during.
F
H
E
Wasn't
it
the
open
house
that
you
guys
talk
about
that?
You
hold
I'm
wondering
if
you
try
to
have
it
on
a
similar
day
or
something
if
you're
advertising
something
like
that,
because
it's
about
affordable
housing
and
things
like
that,
then
they
become
more
aware
of
this
board
or
the
interest
of
the
board
or
the
meeting.
You
know
and
what's
happening
and
wondering
if
it's
something
like
that
I
know,
I
know
he's
always
saying:
let's
bring
all
the
community.
E
Everybody
here,
but
something
like
that,
just
to
Target,
more
participation,
I,
don't
know
if
that's
what
I
think
if,
if
the
time
doesn't
seem
to
be
necessarily
the
draw,
maybe
just
more
information
out
there
about
what
the
board
is
doing.
I
Or
maybe
survey
the
community,
you
know
put
a
survey
out
there
to
see
if
there's
interest
in
in
participating
in
person,
because
I
mean
I
I
get
the
virtual
that
is
available,
but
I,
don't
know
I,
guess,
I'm
all
fashioned,
but
I
think
I
have
to
be
there.
Listening
to
the
conversations,
I
have
to
be
actively
engaged
listening
to
the
conversations
in
order
for
me
to
spark
questions
or
you
know
so
so
you
have
to
be
available
to
be
there
right.
I
You
know
it's
not
just
sending
one
question,
so
that's
I
think
the
argument
that
we
said
you
know
like
people
are
working,
and
so
they
may
not
have
that
time
to
actually
engage
yeah
in
what
we're
discussing.
So
maybe
if
we
can
get
a
survey
out
to
see
I
mean
if
we
get
any
input
from
the
community
and.
J
H
J
F
A
I
B
One
we
have
to
consider
to
all
of
us
on
this
board
happen
to
be.
You
know,
professionals
because
of
the
makeup
of
that
board,
and
so
we
have
to
think
of
that
too,
when
we
commit
to
moving
that
time.
I
think
because
of
how
much
logistically
is
involved
in
moving
a
meeting
like
this
one
to
an
evening
time,
I
think
we
need
to
try
all
the
other
things
before
we
move
it.
B
E
They
I
don't
know
what
the
rules
are
with
everything,
but
can
they
put?
Can
they
advertise
this
on
social
media?
The
meeting
what's
being
covered
you
know
like
today
would
have
been
a
good
example
down
payment
is,
you
know,
come
learn
about
the
city's
down
payment
assistance
program,
here's
time
and
then
put
in
there.
If
you
can't
make
it
here's
the
public
comment,
you
know,
leave
a
comment
or
something
like
that.
I
think
those
kind
of
engagements
will
get
people
more
involved,
so.
I
Maybe
we
try
that
for
half
of
the
year
to
see
what
kind
of
we
need
to
give
it
a
little
bit
of
time
yeah
you
know
like
if
it's
being
pushed
out
more
aggressively
yeah
out
on
social
media
and
then
and
then,
if
we
see
that
there's
people
that
wants
to
participate,
maybe
that'll
tell
us
yeah.
Maybe
we
should
open
another
time.
F
Great,
thank
you
creating
more
awareness
of
this.
In
terms
of
that
survey,
you
want
me
to
hold
off
on
that
and
see
if
we
move
the
needle
with
enhanced
participation
or
do
you
want
me
to.
I
B
B
Because
that
way,
before
the
summer
of
2023,
we
can
kind
of
recap
how
it's
changed
or
how.
You
know
the
kind
of
like
the
feedback
that
we've
gotten,
because
Summer
is
always
a
little
different,
because
people
are
on
vacation
and
all
these
things,
but
if
we
take
from
basically
January
through
May
or
so
I,
think
we'll
have
a
good
period
of
time
with
feedback
and
data
to
see
how
we
want
to
move
forward.
Okay,
thank.
I
B
Okay,
perfect
item
4.4
is
more
discussion
regarding
the
presentation
by
the
chair
of
the
neighborhood
and
affordable
housing,
Advisory
Board
to
the
city
council,
so
I'm
going
to
step
to
the
podium
and
take
you
through
a
draft
PowerPoint
that
I
created
in
that
check-in
Denise
looked
at
the
goal
is
not
for
me
to
run
through
the
presentation,
as
I
would
give
it
but
more
to
gather
feedback
from
you
all
on
things
to
add
or
things
to
remove
or
things
to
edit.
Okay.
B
B
Okay,
so
one
of
the
conversations
we
had
in
previous
meeting
was
what
we
wanted
to
present
to
the
city
council
and
the
four
elements
are
in
this
outline
talk
about
the
challenges
of
the
past
few
years,
the
evolution
of
the
board
plans
for
the
future
and
some
recommendations
that
we
have
for
them.
B
So
this
slide
I'm
going
to
work
with
check
on
getting
some
data
so
that
when
we
present,
we
are
not
just
saying
obviously,
affordable
housing
was
already
lacking
part
of
covid
and
the
pandemic
poses
additional
challenges,
but
also
have
information
data
saying
you
know.
Maybe
it's
a
question
of
we
used
to
close.
You
know
12
15,
DPA
loans
and
then,
obviously,
through
covid,
we
haven't
gotten
half
of
those
or
talking
about
the
median
rents
and
income
and
all
these
different
numbers
that
we
can
gather
and
then
we
can
share
for
that
particular
point.
B
This
is
just
to
show
for
this
current
board
kind
of
what
we've
we've
been
through
for
as
long
as
we've
been
on
on
the
board.
As
far
as
challenges,
then
I'll
take
them
through
the
makeup
of
the
board,
talk
about
the
seven
seats
and
who
represents
the
seats.
How
new
members
have
been
introduced,
new
energy?
How
these
meetings
that
used
to
be
you
know
sometimes
taken
off.
B
B
We
can't
do
it
alone,
so
continue
to
work
with
the
community
partner
agencies,
which
are
the
ones
that
you
know
come
forward
to
this
board
and
present
projects
that
we
then
approve
for
funding,
but
also
introducing
more
synergies,
like
we've
discussed,
with
working
with
other
municipalities
and
aligning
our
incentives
with
them
working
with
the
county,
to
make
sure
that
we're
on
the
same
page,
and
that
you
know
somebody
looking
for
affordable
housing,
you
know,
can
can
kind
of
navigate
through
the
system
easily
increase
marketing,
which
is
something
that
we've
talked
about.
B
So
recommendations
is
work
with
Planning
and
Development,
which
is
something
that
we've
already
started
to
do
through
the
ahac
this
year,
but
also
didn't
they
have
this
here,
exploring
more
creative
ways
to
create
more
supply
for
affordable
housing,
because
we
know
Supply
is
one
of
the
issues
you
know
looking
at
the
density
caps
and
the
adus
and
some
of
the
other
creative
creative
ways
that
we
can.
You
know
without
having
a
whole
lot
of
room
in
the
city
to
continue
to
grow,
create
more
supply
for
affordable
housing
host.
B
A
symposium,
which
I
think
was
one
of
Peace
ideas
for
everybody
to
get
together
in
one
room
and
have
this
conversation
that
requires
interaction
right
from
the
different
stakeholders
to
collaborate
more
effectively.
I
think
this
is
what
happened
with
the
DPA
presentation
we
just
had
having
you
know,
Terry
with
us,
in
the
room
and
kind
of
talking
through
openly
and
a
little
less
formally
about
some
of
the
issues
that
we
have
just
helps
move
the
needle
I
mean
those
changes
that
we
were
able
to
make
this
year
to
the
DPA
program.
B
We
had
a
presentation
a
couple
months
ago
to
show
how
public
transportation
and
affordable
housing
are
late,
because
people
live
in
the
same
spaces
and
work
in
the
same
spaces.
So
it's
about
making
that
commute.
You
know
possible
for
the
people
that
are
looking
for
affordable
housing
as
well.
So
that's
the
presentation,
as
it
sits
and
so
I
would
love
to
get
feedback
from
you
all
on
any
changes
that
you'd
like
to
make
any
suggestions.
Any
recommendations
to
add
edit
remove
Etc.
B
Generic
yeah
do
you
think,
there's
specific
things
that
are
going
to
be
more
impactful
as
far
as
data
than
others.
So
when
we
speak
to
this
slide,
for
instance,
do
we
want
to
talk
about
on
the
service
side
or
do
we
want
to
talk
about
generally?
You
know
this
is
what
was
considered,
affordable,
housing
or
how
many
you
know,
units
I,
don't
really
know
what
other
like
numbers
we
can
bring
up.
Do
you
think
there's
any
any?
That
would
be
more
impactful
than
others.
E
And
then
more
the
economic
scope
of
it.
You
can
talk
about
the
average.
You
know
purchase
price
of
a
home
in
the
city
of
Clearwater
and
how
that
increased
over
the
last
two
years
and
then
just
in
general,
the
overall
inflation,
because
I
know
we
heard
some
projects
weren't
able
to
be
completed
because
of
the
cost
of
construction
and
I.
Think
that
was
kind
of
even
when
we
did
the
sub-recipients
when
they
came.
They
were
just
saying.
You
know
that
I
thought
that
was
a
similar
theme.
E
We
heard
with
a
lot
of
the
construction
projects
was
the
budget
and
where
that
budget
might
fall
with
the
cost
of
supplies,
and
things
like
that.
So
just
overall
briefly,
maybe
mentioning
I
think
when
you're
talking
about
the
covet
pandemic
and
the
challenges
it
would
absolutely
be.
Inflation
across
the
board
and.
I
Talking
about
the
inventory,
I,
don't
know
you
have
a
way
to
find.
You
know
like
in
2019.
This
was
you
know
on
a
appraised
home
in
the
city
of
Clearwater,
and
you
know
for
affordable
housing
and
what's
happening
now.
You
know.
Is
there
any
affordable
house
in
the
city
of
Clearwater?
Now
you
know
I
think
those
numbers
would
will
speak
volume.
F
A
Department
you
want
to
go
I'm
thinking,
I,
guess
what
I'm
thinking
is.
Maybe
going
back
to
the
team
to
the
extent
that's
practical,
going
back
to
19
and
looking
at
what
were
our
allocations?
What
was
the
average?
What
was
the
market
rent?
What
was
the
market
purchase?
What
were
the
interest
rates
at
that
time?
A
What
was
the
program
that
we
had
in
place
or
GPA
and
then
over
those
four
years?
What
happened
in
the
marketplace?
What
happened
with
interest
rates?
What
happened
with
costs?
What
happened
with
caps?
What
happened
with
our
program
kind
of
sort
of
telling
that
story
of
where
we
were
four
years
ago
and
the
increments
along
the.
C
Way
and
maybe
even
what
happened
with
and
average,
you
know
median
income
right
right
because
I
mean
today
a
single
person,
it's
46
000
but
I
think
in
2019
it
was
like
41
000.
So
it
was
again
not
a
huge
difference,
but
the
prices.
I
What
is
the
the
trying
to
look
for
the
war?
What
can
I
buy
in
that
range
of
the
80
and
Below?
You
know
which,
right?
Yes,
it's
pretty
much.
Nothing
right!.
A
Yeah
yeah
all
right,
so
this
is
it's
going
to
be
a
little
bit
when
we
go
when
we
look
at
40
years
to
look
at
all
these
different
elements.
So
what
I'm
suggesting
here
today
may
change
a
little
bit
in
order
to
be
able
to
present
this
yeah.
B
D
B
Of
like
we
can
either
decide
I
think
if
we
look
at
the
data-
and
we
see
that
one
of
these
elements
tells
a
bit
tells
the
story
better
than
others.
We
may
look
at
average
purchase
price
of
a
home.
In
average,
you
know
rents
of
a
one
bedroom
or
two
bedroom
and
use
just
that.
If
we
feel
like
that,
tells
the
story
I'm.
I
A
I
E
E
E
A
I
A
B
I
think
here
is
where
we
talk
about
some
of
the
successes
that
this
board
has
had
and
I
think.
The
changes
that
we've
made
to
have
done
payment
assistant
program
is
a
good
example
just
showing
that,
because
there
was
this
need,
there
were
some
conversations
that
came
from
this
board
that
you
know
turned
into
actual
changes
that
impact
our
citizens.
So
I'll
have
I'll
have
this
information
on
this?
B
What
about
this
slide?
Number
three.
J
B
A
So
are
your
plans
for
the
future?
For
you
know,
a
near-term
plan
is
that
how
long
down
the
road.
B
That's
a
good
question:
maybe
maybe
the
title
needs
to
change,
so
it's
it's
less
confusing
and
it's
kind
of
more.
Basically,
this.
This
is
the
things
that
we
want
to
continue
working
on
as
a
board
as
long
as
this
board
exists
right.
So
the
two
continue
to
you
know
impact
citizens.
We
have
to
do
it
through
our
community
partner,
Industries
agencies
and
some
more
synergies
that
we
may
want
to
introduce,
and
then
you
know,
increase
marketing
and
then
work
closely
with
developers.
B
B
To
your
point,
I
think
we
may
want
to
put
some
sort
of
date
on
some
of
these,
but
I.
Don't
know
that
2023
is,
is
necessarily
realistic.
E
I
think
the
previous
side
to
say
so,
one
of
the
things
we
maybe
break
it
out.
This
is
what
we're
going
to
continue
to
do
as
a
board,
and
then
this
is
what
we
we
hope
to
not
not
necessarily
plans,
we
hope
to
increase
yeah,
because
we
do
Market,
but
we
want
the
marketing
to
step
up.
So
we
get
more
engagement
and
maybe
put
something
like
that,
because
we
just
did
just
have
a
whole
discussion
on
public
engagement
work
closely.
Okay,.
B
B
So
if
this
side
was
called
opportunities,
it
would
be
a
we
will
continue
to
work
with
the
first
one.
We
will
continue
to
work
with
Community
partner
agencies,
introduce
more
synergies.
We
want
to
improve
the
way
that
we're
marketing.
You
know
the
way
that
we're,
including
the
public,
the
way
that
we're
engaging
the
public
and
then
we
want
to
start
working
more
closely
with
other
cities,
agencies
and
Developers.
B
B
And
so
this
would
be
switch,
but
yes,
okay,
yeah,
so
link
the
three
previous
to
these
three
and
then
talk
about
that.
Do
we-
and
this
is
Margaret,
curiosity
question,
but
what
would
be
the
steps
in
planning
the
Symposium
that
we've
been
talking
about?
Does
that
include
the
city
council
at
all,
or
does
any
is
just
something
that
we
as
a
board
would.
F
C
I
know
that
I
can't
remember
how
long
ago
it
was
I
think
it
was
maybe
five
six
years
ago
there
was.
It
was
really
just
almost
just
an
afternoon
where
some
of
the
city's
economic
or
Community
Development
departments
got
together.
C
I
know
that
Largo
was
there
I'm,
pretty
sure
Clear
Water
Pinellas
County
St
Pete
was
there
I,
don't
know
if
any
other
cities
were
there,
they
had
I
was
there
to
I,
did
a
presentation,
and
it
was
just
talking
about
affordable
housing,
and
how
can
we,
as
a
group,
all
of
these
municipalities
help
so
it's
something
that
was
done.
I
want
to
say
about
five
or
six
years
ago.
C
Do
you
remember
it
Terry,
yeah
and
I
think
it
was
held
in
Largo
if
I
recall
in
a
in
a
meeting
room
in
Largo
anyway,
but
you
know
so
it
is
something
that's
been
done.
So
I
just
think
that
not
a
lot
ultimately
came
out
of
it.
So
maybe
if
something
can
really
be
created
to
have
more
discussion
more
than
just
two
hours
in
an
afternoon.
B
E
So
I
don't
know
what
the
rules
are,
but
you'd
mentioned
we
have
an
email
address.
Is:
is
it
possible
to
get
this
going
that
from
our
email
address
we
contact
The,
Neighborhood,
Housing
and
affordable
housing,
advisory
Boards
of
other
municipalities,
so
city
of
Largo,
City
of
St
Petersburg,
Pinellas
County,
try
to
get
that
moving
with
a
conversation
I
like
the
idea
to
get
everybody
in
the
room,
but
have
some
guidance
of
what
we're
yeah.
E
E
I
Or
we
can
even
maybe
like
do
like
a
three-tier
presentation
to
your
point
and
see
like
we,
so
the
first
one
would
be
inviting
the
municipalities
to
explain
their
different
programs.
Then
the
second
tier
would
be
a
hack
nahab
around
you
know
the
county,
then,
in
the
same
room
then
asking
questions
and
then
the
third
one
would
be
okay.
What
what
are
the
next
steps?
The
developers
and
you
know
what
are
the
questions?
Were
you
know
what
needs
to
happen
to
to
move
the
needle?
I
A
The
titleming
communities,
so
there
was
an
intention
there
is
an
intention
that
we
collaborate
and
work
together
to
establish
common
goals
and
objectives.
Common
approaches,
things
like
that,
so
what
I
don't
wish
to
do
is
somehow
migrate
into
that
work.
That
is
going
to
be
picking
up.
My
understanding
is
that
it's
starting
to
pick
up
again,
it's
focus
and
intensity,
so
I
think
there's
a
fine
line.
You
need
to
so
that
if
Clearwater
is
hosting
this,
that
it's
perhaps
clearwater-centric
this
is
about
us
trying
to
is
it
to
communicate.
A
F
We
had
a
meeting
last
week,
they
took
the
Compact
and
the
major
components
of
the
compact
was
a
heading,
for
you
know
further
detail
really
what
it
is
is
kind
of
a
it's
an
action
plan.
You
know
the
compact
set
all
these
goals
and
objectives,
and
now
it's
getting
to
an
action
plan
phase.
Okay.
How
do
we
get
to
these
goals
and
objectives?
Okay,
so
we
went
through
that
last
week
it
was
the
first
meeting
we
that
the
housing
I
think
it's
called
the
county-wide
housing
Tactical
Team.
F
H
B
It
may
be
valuable
to
have
that
to
for
us
to
see
that
presentation.
Wouldn't
you
agree,
especially
if
we're
trying
to
pull
something
to
your
point,
realizing
that
we're
trying
to
do
something
that's
already
being
worked
on.
I
think
it
might
be
helpful
for
somebody
to
come
and
present,
even
if
it's
just
the
same
presentation
that
you've
received
yeah.
F
It
was
a
it
was
a
virtual
meeting.
It
wasn't
necessarily
a
presentation.
I
I
can
present
that
that
draft
action
plan
to
the
board
of
international.
E
Obviously,
I
think
that
would
take
away
the
bringing
all
the
communities
together
and
then
it
would
be
more
focused
on
okay.
You
know
almost
the
same
people
that
come
in
for
the
sub-recipients.
What
what
can
clear
water
do?
What
can
this
board
I
need
to
improve
the
services
that
you're
giving
to
the
citizens.
B
I
think
it
makes
more
sense
for
this
board
to
have
a
conversations
within
at
least
within
to
start
within
the
city
limits
to
say
here
are
all
of
the
developers
that
have
developed,
affordable
housing
in
the
last
you
know,
five
years
or
whatever
the
situation
is
interested
developers
can
come
to
the
partners
that
are
receiving
funding.
Those
that
are
not
currently
receiving
funding,
but
they
would
like
to
receive
funding
having
these
people
in
a
room.
I
think
would
be
more
helpful
to
start
to
just
have
that
clearwater-centric
conversation
before
we
open
it
up
to
more.
B
I
B
And
so
this
last
slide
will
really
be
the
previous
one
of
those
opportunities,
and
this
one
will
be
more
like
projects
or
ongoing
or
future
projects,
and
then
I'll
have
two
or
three
examples
of
things
that
we're
working
on.
So
one
of
them
being
working
continuing
to
work
with
Planning
and
Development,
the
second
one
being
host
a
symposium.
But
on
a
you
know,
with
the
corrections
and
then
I'll
find
something
to
put
as
a
third
one.
I'll
go
through
our
meetings
and
go
through
things
that
we've
discussed
anything
else.
D
Do
I
have
something
to
say:
I
I
think
we
need
to
prioritize
and
trying
to
get
the
community
involved
like
this
is
all
crucial,
pertinent
information
for
the
citizens
of
Clearwater
and
the
time
setting
makes
it
difficult
like
I,
would
like
to
get
involved,
but
I
also
have
a
job,
so
I
can't
go
until
after
4
pm,
so
I
think
getting
the
community
engaged
and
involved
should
be
one
of
our
goals.
Yeah.
B
And
to
your
point,
I
think
the
city
council
they're,
obviously
elected
officials
right,
so
they
have
a
relationship
with
the
citizens
that
we
don't
have
and
so
I
think
making
that
clear
to
them
in
this
presentation
that
what
we're
we're
doing
great
on
a
number
of
things.
But
what
we're
truly
lacking
is
the
public
participation
I
think
and
put
a
bug
in
their
ear
to
also
communicate
more
because.
D
The
I
know
city
council
meets
at
6
PM,
so
does
Pinella
County
they
meet
at
6
PM,
so
I'm
able
to
make
it
to
those
hearings
right.
So
it's
easy
I
mean
if
people
care
they
will
get
involved
right
right.
F
So,
to
present
this
at
the
January
meeting
and
there's
there's
one
meeting
in
January
right,
Nicole,
January,
9th
and
I
and
I
had
told
you
that
this
would
be
work
session.
Typically,
it's
actually
at
the
city
council
meeting
in
the
evening.
If
you
can't
make
it,
we
could
schedule
okay,
so
that
we
would
have
to
have
this
PowerPoint
completed
by
I
believe
the
27th
of
December.
If
I'm
not
mistaken,.
F
So,
and
we
can,
if
we
can't
you
know
January,
we
may
not
have
to
have
a
meeting
and
we
could
if
we
had
to
push
this
to
February
I
think
the
goal
is
to
you
know,
to
get
it
in
and
to
do
it
and
and
I
think
if
we
do,
maybe
we
just
do
we,
we
do
have
the
January
meetings
than
they
have
and
we,
even
if
there's
not
an
action
item,
is
your
preference
to
have
a
meeting.
To
recap
the
discussion
and
to
maybe
talk
about
the
compact.
I
F
F
Okay,
yeah,
why
don't
we
do
that
unless
we
have
an
action
item
if
we
skip
the
January
meeting
that
ensures
that
the
Camille
is
still
the
chair
when
she
presents
okay?
Does
that
work
for
you
all?
Now
we
won't.
You
know
we
won't
just
not
have
a
meeting
if
we
have
to
have
a
meeting
if
there's
actionable
items
you
have
to.
If
you
have
to
take
action
on
an
item
we'll
have
the
meeting
anyway
and
we'll
just
explain.
You
know
like
give
me
what
she's
reporting
on
the
air
that
she
served.
B
H
F
So
is
the
so:
let's
talk
about
January
meeting
at
holidays,
I'm
actually
going
away
for
you
know
next
week,
I'm
leaving
for
a
week
good
for
you,
but
I'll
be
back
before
the
meeting.
If
you
all
want
to
have
a
meeting,
is
there
a
practice
to
have
a
meeting
if
we
don't
have
to
in
January
it's
up
to.
F
B
F
I
mean
during
the
holidays.
It
makes
sense
to
do
that
if,
if
it's
all
right
with
you
all
I'll
I'll,
never
allow
us
to
to
skip
two
meetings
in
a
row.
Yeah
yeah
I,
don't
know
that
we
could,
with
all
the
work
that
we
don't
go,
come
on.
B
F
F
Just
real
quickly
we're
still
working
on
the
two
major
projects
in
downtown
trying
to
get
those
you
know
approved
and
also
we
had
a
we
put
out
an
RFP
I
think,
as
you
all
know,
for
development
of
a
project
in
Lake
Bellevue
on
a
city-owned
site,
12.3
Acres
24
units
are
allowable.
F
We,
the
the
the
winning
team
and
the
winning
team
means
it's
the
team
with
whom
I
am
but
I've
been
authorized
to
negotiate
a
contract
with
was
a
combination
of
Habitat
for
Humanity
and
and
Tampa
Bay
Neighborhood
Housing
Services.
They
put
in
a
fantastic
proposal,
as
did
some
Coast
Housing
Connections,
but
the
habitat
team.
They
they
was
a
successful
respondent,
so
I
will
be
negotiating
with
them
to
put
together
a
contract
once
they
have
site
control
of
that
of
that
site.
F
F
Think
yeah
and
I
actually
talked
to
a
developer
last
week,
who
is
interested
in
acquiring
the
site
across
the
street,
which
is
a
vacant
One
Acre
Site
for
a
mixed
income.
Mixed-Use
project
you
would
tap
into
our
density.
Bonus.
You'd
have
some
live
work
units,
it's
actually
a
commercially
zoned
piece
of
property
property.
So
if
these
two
things
come
to
fruition,
I
mean
you've
completely
changed.
You
know
the
main
Corridor
in
Lake
Bellevue.
With
these
two
projects.
It's
exciting
we've
been
here
long
enough,
I
think
yeah.