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From YouTube: October 9, 2020 IURA Neighborhood Investment Committee
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E
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F
F
Yeah
so,
as
far
as
we
know,
everyone
will
be
joining
us
on
the
committee
today.
A
A
Paulette
will
be
leaving
at
9
45,
but
otherwise
yeah
fernando
is
on
the
phone.
F
F
It
doesn't
appear
that
there's
anyone
here
for
public
comment.
Any
changes,
additions
for
our
agenda.
A
I
think
that
might
be
charles.
Charles
is
logged
in
his
nails.
F
F
Everyone
have
a
chance
to
read
the
minutes
from
our
last
meeting.
F
E
F
D
Sure-
and
I
I
prepared
some
slides
to
help-
keep
me
on
track.
So,
okay,
go
to
those
here.
F
D
Great
well
thanks
for
having
me,
I
I've.
I've
met
with
the
ires
economic
development
committee,
but
I
haven't
yet
had
an
opportunity
to
meet
with
you.
So
thank
you
and
I
think
today,
carl,
you
were
hoping
to
hear
about
small
business
resilience,
fund,
short-term
rentals
and
then
just
generally
sort
of
what
some
of
our
activities
are
in
the
city
of
ithaca's
office
of
economic
development.
So
yes,
if
I'm
right
about
that,
that's
what
that's!
What
I'm
prepared
to
speak
a
little
about
yeah
great.
D
D
You
know
folks
were
really
not
sure
where
their
next
dollar
was
coming
from,
and
so
the
community
really
stepped
up
and
in
terms
of
your
your
primary
question
kind
of
what's
going
on
with
the
recipients
now
and
and
how
were
the
funds
used?
You
know
they've
been
used
for
a
variety
of
purposes.
D
Others
said
that
they
used
the
the
funds
to
give
them
some
breathing
room
as
they
waited
for
for
other
funding,
and
many
recipients
also
were
able
to
use
the
funds
to
make
certain
changes
to
their
operations,
be
it
enhanced,
ppe
and
protective
measures
or
changes
to
the
way
that
they
promote
their
services
to
their
customers
because
they're
having
fewer
people,
you
know
in
person,
etc.
We
have
had
a
couple
of
closures
that
I'm
aware
of
out
of
the
121
total
recipients,
I'm
aware
of
one
bankruptcy
filing
and
one
storefront
closure.
D
Neither
of
those
happen
to
be
among
the
22,
I
believe,
of
the
total
121
that
were
funded
by
the
iura's
money.
Of
course
we
don't
like
to
see
that,
but
you
know
I
think
you
know.
Certainly
gratitude
had
was
a
major
theme
in
hearing
from
participants.
I
pulled
a
few
testimonials
in
here.
D
Adrina
dietra
is
a
is
a
craft
lingerie
shop
in
press
bay
court.
Now
we
actually
had
a
ribbon
cutting
for
them.
Last
week,
adriana
graham
was
able
to
successfully
expand
her
business
into
a
space
that
allows
her
to
do
fabrication
in
her
shop,
and
you
know,
frankly,
I
think
you
know
this
was
an
important
part
of
allowing
her
to
do
that,
and
so
that
was
those
are
some
of
adrina's
comments.
D
Jillian's
drawers
said
that,
and
I
believe
these
are
all
iura
recipients
that
you
know
they.
They,
the
funds,
allow
them
to
keep
their
sales
coming
online
and
basically
keep
cash
flow,
steady
to
prevent
them
from
racking
up
crippling
that
ithaca
sheepskin.
D
You
know
how
to
have
a
actually
a
unique
situation
where
they
were
already
knocked
down
a
bit
from
a
personal
illness
when
the
pandemic
hit
and
and
not
in
a
great
position.
Ithaca
sheepskin
is
a
very
interesting
type
of
business
we
really
like
to
see
and
that
they
they're
very
diversified.
They
have
a
a
retail
store
on
the
commons,
but
they
also
have
they
do
fabrication
right
in
the
back
of
the
shop
and
they
sell
online.
D
So
they
get
their
revenues
from
a
variety
of
different
means
and-
and
I
loved
I
just
loved
this
quote
at
the
end-
and
it
really
it
was
very
common
in
hearing
back
from
the
recipients.
Just
this
sense
of
of
gratitude
and
and
jessica
said
that
it
wasn't
only
materially
helpful.
D
It
gave
us
a
sense
of
being
appreciated
and
supported
by
the
community
and
encouraged
us
to
press
on
knowing
there
were
folks
other
than
ourselves
who
wanted
to
see
us
stay
in
business,
and
there
were
a
number
of
recipients
who
we
heard
from
who
echoed
kind
of
similar
sentiments
that
this
was
this
felt
like
you
know
the
community
had
their
back
and
that
was
really
important
to
them
in
an
emotional
as
well
as
tangible
sense.
D
So
we
will
the
the
I
had
another
slide
here,
but
I
think
I
can
remember
what
was
on
it.
Basically,
forgiveness
will
be
determined
after
six
months
of
operation,
which
or
or
december
1st,
and
those
are
pretty
much
so
so
basically
december
1st
we'll
be
working
with
the
fcu
to
process
forgiveness
on
these
loans,
and
we
should
have
some
good
data
at
that
point
about
you.
D
What
the
status
of
the
of
all
of
the
recipients
is,
let
me
stop
there
and
ask
if
you
have
any
questions
about
the
small
business
resilience
fund.
Just,
oh,
maybe
I'll,
add
one
more
thing.
The
partners,
you
may
recall,
were
the
initial
partners,
and
we
raised,
I
think,
390
000
initially,
and
it
was
from
the
iura,
the
tompkins
county
development
corporation
cornell
university,
the
community
foundation
of
tompkins
county
and
several
small
private
donations
after
we
had
made
our
first
round
of
loans,
and
these
are
forgivable
loans.
D
We
afcu
received
a
grant
from
the
federal
home
loan
bank
of
new
york
for
an
additional
eighty
four
thousand
dollars
and
we
were
able
to
make
an
additional
21
loans
using
those
funds,
the
average
size
of
loans
around
four
thousand
dollars.
The
total
requests
were,
I
mean
most
people
asked
for
the
maximum
of
five
thousand.
D
D
D
We
had,
I
want
to
say
about
160
applications
and
of
those
around
121,
as
I
said,
were
funded.
D
We
knew
there
was
going
to
be
a
lot
of
interest
in
this.
We
worked
hard
to
get
the
word
out
and
it
became
apparent
very
quickly
that
the
demand
was
going
to
very
quickly
outstrip
the
availability
of
funding
in
this
program.
So
we
had
to
close
it
and
yeah.
So
I'm
I'm
I'm
absolutely
certain
that
there
were
more
than
160
who
would
have
liked
to
apply.
F
And
tom
you
said
that
there
was
two
businesses
that
are
no
longer
in
business.
One
was
a
storefront
was
that
on
the
commons.
D
The
one
I
was
thinking
of
was
blackbird
studios
on
meadow
street.
I
looked
at
their
website
and
their
yoga
studio.
Oh.
D
Yeah
and
they
they're
still
advertising,
you
know,
packages
of
online
classes
and
things
so
they
may
still
be
operational
as
a
business,
but
I
did
notice
that
tom
their
storefront
was
no
longer
on
meadow
street.
F
And
this
this
loan
was
forgivable.
You
said
starting
december
1st.
D
That's
right,
yeah
yeah
and
it's
a
very
basic.
You
know
criterion
to
to
qualify
for
forgiveness.
They
just
have
to
demonstrate
that
they
have
remained
in
operation
six
months
after
the
loan
was
disbursed
or
on
december.
First.
D
We
that
we
worked
with
to
you
know,
establish
the
funding,
and
I
think
that
was
very
important
to
us,
then
leveraging
that
funding
with
with
a
lot
of
other
community
money
so
absolutely
could
not
have
done
it
without
the
ira's
support,
and
you
know
it,
we
we
had
to
do
a
little
bit
of
you
know,
determinations
as
to
which
applicants
aligned
with
the
the
specifics
of
the
micro
micro
loan
program
within
the
iora's
suite
of
programs.
D
D
D
I
am
not
our
community
partner
on
this;
that
is
the
process
all
the
loans
and
has
the
formal
relationship
with
the
loan
recipients
is
afcu
and
so
they're,
the
ones
that
process
the
loan
documents
and
have
that
relationship,
and
you
know
they
I
mean
I,
I
regularly
talk
with
a
number
of
small
businesses
throughout
the
community,
and
so
some
of
those
who
receive
funding-
I
I
have
checked
in
with
not
necessarily
on
the
basis
of
hey.
D
You
received
a
loan
how's
it
going,
but
more
just
in
my
role
of
providing
assistance
to
businesses
in
the
community.
B
So
the
question
I
had
is:
are
you
I
mean
or
question
I
don't
know
suggestion
this
offers
an
opportunity
to
well
to
learn
how
you're
implementing
we're
implementing
this
you're
implementing
this
sort
of
on
an
emergency
basis
because
we
have
to,
but
I
wonder
if
a
program
like
this
can
be
thought
of
as
something
we
keep
in
the
back
pocket.
And
you
know
it's
an
opportunity
for
lessons
learned
what
went
well,
what
didn't?
What
go
well
and
the
amounts
of
money
that
are
you
mentioned.
B
D
D
B
D
Yeah,
it
might
be
a
good
investment.
I
think
what
we're
going
to
find
is
if,
when
we
ask
that
question
or
try
to
somehow
get
out
that
question
is,
did
this
program
save
your
business,
that
you
know
if
there
is
an
answer,
the
likely
answer
is
going
to
be.
It
was
one
of
many
things
right
without
which
you
know
we
may
not
have
been
able
to
get
through.
Ppp
is
critical.
D
Landlord
rent
forgiveness
is
critical
deferments
from
their
lending
providers
either
their
lenders.
You
know
it's
critical,
so.
D
So
many
factors
even
just
on
the
financial
side
so
but
yeah,
I
think
I
think
we
should.
We
should
consider
that.
F
You
know
all
those
applications
coming
in
trying
to
get
them
processed,
but
kathleen
clark
who
runs
our
business
services
team
and
also
runs
business
sense,
which
is
our
consulting
and
training
program
for
primarily
small
micro
businesses,
did
reach
out
to
all
the
applicants.
D
D
There's
a
lot
of
data
on
this
slide.
Let's
talk
about
short-term
rentals,
I
used
to
be
the
county's
tourism
program
director.
I
was
involved
in
well.
I
negotiated
the
first
voluntary.
D
Agreement
that
we
had
for
the
room
tax
with
airbnb,
so
I've
been
around
the
block
a
little
bit
on
on
short-term
rentals
and
airbnb
issues.
About
a
year
ago,
I
started
you
know,
kind
of
doing
a
deep
dive
into
trying
to
understand
what
the
nature
of
short-term
rental
activity
may
be
in
our
market.
D
It's
really
hard
to
get
solid
data,
and
so
the
two
sources
of
data
for
for
this
information
here
are
host
compliance,
which
is
a
third
party
service
that
works
with
municipalities,
to
support
compliance
and
enforcement
of
any
short-term
rental
regulation,
as
well
as
room
tax
collection
that
those
communities
may
have
and
they
they're
they're.
You
know,
they're
a
bay
area
company
that
uses
uses
technology
to
pull.
C
D
Off
of
these
short-term
rental
websites,
airbnb
is
by
far
the
largest
in
our
community
about
96
percent
of
listings
on
airbnb
vrbo
is
next
and
there's
some
other
smaller
ones
from
there,
but
the
market
is
changing
and
there
may
be
some
other
platforms.
Kind
of
taking
market
share
in
short-term
rental
market,
from
air
b
and
b
over
time.
D
The
high
of
the
other
data
sources,
air
dna
market
minder,
that's
actually
a
a
also
a
software
product,
a
subscription-based,
their
their
target
market
for
their
service
is
actually
investors
who
want
to
invest
in
airbnb
property
and
they're.
Looking
for
good
communities
and
good
places
to
invest
so
kind
of
two
different
sources,
the
geographic
area
that
you
get
from
those
two
sources,
or
that
I
got
is
also
different.
D
So
some
of
this
is
kind
of
mass
trying
to
mash
together
data
from
14850
and
city
of
ithaca,
so
it's
imperfect
at
best,
but
I
think
it
gives
us
a
pretty
good
sense
of
kind
of
the
level
of
activity.
A
year
ago,
880
total
active
rentals
most
of
those
entire
home
rentals.
Although
some
private
room
about
a
third
fairly
sizable
annual
revenues
is
a
20
million
dollar
market
for
short-term
rentals.
Here
in
ithaca,
I
tried
to
do
some
work
again
through
extrapolation
to
understand.
D
I
think,
as
we
had
conversations
last
year
with
council
internally
as
staff
and
with
others,
the
the
primary
concern
seems
to
be.
You
know,
making
sure
that
we
don't
exacerbate
our
housing
issue
by
taking.
D
You
know
whole
units
out
of
the
market
for
for
long-term
use
by
a
homeowner
or
tenant.
So
that's
why
we
try
to
do
that
analysis
and,
as
you
can
see
on
this
last
group
of
numbers
here,
most
of
the
units
by
far
69
percent
of
the
bookings
are
sorry
of
the
listings
were
booked
for
less
than
90
days
with
21
book
91
180
days
and
out
of
the
880.
That
also
kind
of
in
a
very
general
way
corroborates
that
sense
that
you
know
out
of
the
880.
D
A
lot
of
them
are
probably
the
type
of
activity
that
many
would
not
find
a
problem
with,
like
renting
your
room
out
or
renting
your
house
out
during
graduation
weekend.
Right,
that's
a
that's
a
long-standing
practice
in
our
community
and
you
know,
allows
homeowners
and
residents
to
supplement
their
incomes
to
help
pay
property
taxes,
etc.
So
there's
certainly
a
lot
of
that
activity,
and
that's
evident
here
in
these
numbers.
So
that's
where
we
were
a
year
ago,
I
just
took
a
look
at
some
data
from
a
company
named
all
the
rooms
which.
D
Basically
provides
information
to
communities
on
the
level
of
activity
that
they
have
in
a
similar
way
as
those
other
two
firms.
B
D
It's
been
very
interesting
to
see:
what's
happened
since
the
pandemic
hit,
we
know
that
tourism
and
visitation
as
a
whole
went
off
a
cliff
in
march
april.
May
absolutely
the
worst
quarter
in
the
history
of
you
know
since
forever
for
the
hospitality
industry-
and
you
know,
the
the
short-term
rental
market
saw
a
similar
dip.
49
drop
in
demand
for
march
73
down
in
april
64
down
in
may
43
down
in
june.
D
So
so
that's
kind
of
you
know
to
be
expected
that
that
would
be
in
line
with
what
the
hotels
were
seeing
with
industry
overall
is
seeing.
However,
demand
is
back
up
and
if
you
look
at
just
one
month
september
2020,
it
was
actually
we
had
a
greater
demand
for
short-term
rental
units
in
our
market
than
in
september
2019
by
nine
percent.
So
nine
percent
higher
demand
for
short-term
rentals
in
ithaca
last
month
than
in
the
september
2019
very
interesting
and
kind
of
kind
of
unexpected.
D
In
a
way,
if
you
drill
down
a
little
bit
and
under
try
to
understand
the
factors
related
to
that
over
september,
looking
at
two
months
september
and
august
of
2020
compared
to
the
previous
months,
previous
years
months
of
september
and
august
there,
there
were
slightly
fewer
listings,
so
supplies
actually
down,
but
for
those
listings
that
are
there
higher
occupancy
and
that's
because
of
the
combined
effect
of
obviously
reduced
supplies,
I
just
said,
but
all
but
also
increased
demand,
there's
also
significantly
higher
average
daily
rate.
For
those
listings.
You.
E
D
20
in
august
26,
higher
in
september
and
and
that
that
combined
effect
leads
to
overall
gross
revenues
for
our
market
in
those
months
being
higher
than
in
the
the
same
month
in
2019.
So
I
found
that
fascinating.
I've
got
some
new
usings
as
to
why
that
may
be,
but
I
would
say,
that's
fairly
speculative
conjectural
at
this
point.
Another
interesting
data
point
to
note
is
that
the
whole
home
rentals
are
now
make
up.
D
74
of
the
listings
listing
doesn't
mean
it's
been
booked
and
93.4
of
gross
revenues
and
whereas
the
private
loan
private
room
listings
are
much
lower
than
entire
home
rentals.
So
I
guess
that's
kind
of
be
expected
to
be
expected
too
right
in
a
pandemic
period,
because
people
may
be
more
comfortable
not
having
a
person-to-person
exchange
in
someone's
home
but
having
the
whole
unit.
D
D
Should
the
city
of
ithaca
choose
to
more
formally
regulate
short-term,
the
short-term
rental
market,
and
we
were
just
about
to
launch
a
public
outreach
initiative,
community
meeting
community
conversation
to
gather
input
from
the
community
on
these
policies
and
also
share
some
of
the
information
that
we
have
about
the
nature
of
the
market
here
when
covet
hit,
so
we
we
have
sort
of
been
on
pause
with
this
effort.
D
I
would
imagine
we'll
pick
it
up
at
some
point
and
we
will
we'll
do
some
some
outreach.
You
know.
We've
we've
been
noodling
on
some
possible
approaches
to
regulation.
That
would
be
in
a
lot
in
alignment
with
these
policies
so
that
you
know
if
council
were
interested
in
proceeding,
I
think
we
were.
We
would
be
prepared
to
to
draft
some
some
appropriate
regulation.
We've
done
quite
a
lot
of
research.
D
So
let
me
stop
there
and
answer
your
questions
about
short-term
rentals.
E
I
I
have
one
question:
the
houses,
the
100
to
150
houses
that
are
taken
off
of
the
availability
are
those
mostly
two
bedroom
houses,
a
whole
range.
Do
you
have
a
sense
of
what
kind
of
houses
we're
talking
about.
D
I
I
don't
I
don't.
I
can
tell
you,
I
mean
we,
we
can
look
at
the
whole
market
and
try
to
understand
you
know
not
necessarily
I
don't.
I
can't
I
can't
cross
tab,
which
of
which
of
those
that
are
like
used
so
often
that
we
could
tell
that
they
were
in
full-time
use
of
short-term
rentals
are
of
different
size
counts,
but
I
do
have
the
data
on
on
on
number
of
rooms,
and-
and
I
can
I
can
share
that
later-
but
off
the
top.
It's
it's
pretty
much
split
fairly
evenly.
D
E
D
E
D
Yeah
and
one
of
the
one
of
the
reasons
that
you
know
we
didn't
go
forward
in
september
and
we
paused
and
we're
we're
going
to
go
forward
in
marches
council
was
having
a
lot
of
conversations
about
adus
and
we
realized
that
these
two
issues
are
really
really
need
to
be
married
and
we
need
to
have
a
coordinated
approach,
and
so
because
you
know
you
need
to,
I
think,
there's
a
there's
a
lot.
A
lot
of
these
whole
house.
D
Rentals
may
actually
be
mother-in-law
suites
in
the
backyard
right
or
you
know,
units
that
are
internal
to
the
primary
structure,
but
just
have
a
separate
keyed
entry.
So
we
need
to
understand
more
about
that.
I
think.
D
Yeah
yeah
we've
talked
to
host
compliance,
and
I
I
think
you
know
they
they'll
be
able
to
tell
us
that
the
county
right
now
is
just
getting
ready
to
put
out
an
rfp
for
third-party
compliance,
monitoring
and
enforcement
services
from
one
of
these
companies
they
have
and
their
we
would
partner
with
them.
If
we
moved
forward
with
regulation
most
likely
for
those
for
those
services,
but
just
through
the
county's,
you
know
purchase
of
the
service
alone,
we
may
be
able
to
get
at
some
of
these
more
research
kind
of
questions.
F
Tom,
do
we
have
a
sense
of
the
ownership
of
these,
particularly
the
the
single
family
units.
So,
in
other
words,
is,
is
the
ownership
kind
of
widespread,
so
there
are
many
owners
benefiting
or
are
there
owners
who
landlords
who
own
a
number
of
properties
who
kind
of
specialize
in
this
short-term
rental.
D
I
really
only
have
anecdotal
evidence
around
that
question.
It's
a
very
good
question,
because
certainly
we
there
are
some.
D
There
are
some
properties
that
you
know
the
the
the
host
or
the
the
person
who's
listed
as
the
host
is
different
than
the
owner,
and
you
know
the
owner
may
be
contracting
with
you
know,
sort
of
a
host
to
provide
the
service
of
you
know
getting
the
apartment
ready
and
responding
to
the
the
the
renter
and
they
made
they
may
be
doing
that
for
a
number
of
properties.
D
D
I
I
own
a
house
in
fall
creek,
but
I'm
gonna
move
in
with
my
fiancee
who
lives
in
dryden,
and
I'm
gonna
use
the
house
that
I
used
to
live
in
as
an
airbnb
rental
now
and
keep
it
and
you,
and
because
I
can
earn
more
money
that
way
than
renting
it
out
to
a
full-time
tenant.
Or
you
know
I
hear
from
realtors
and
what
about
what?
The
regulations
are?
Oh,
who
you're
representing?
Well
my
clients
from
california?
D
They
went
to
cornell.
They
love
to
come
to
ithaca
a
few
weeks
out
of
the
year
and
they're
looking
for
an
investment
opportunity
and
so
they'll
buy
a
house
and
they'll
they'll
hire
one
of
these
local
people
to
host
and
to
serve
as
the
host,
and
then
they
will
that
that
home
will
then
be
in
a
full-time,
airbnb
rental.
But
it's,
but
those
are
kind
of
you
know
it's
not
like
some
conglomerate
is
coming
in
and
you
know
and
doing
this.
A
Tom,
I
have
a
question
related
to
the
adu
issue
like
how
hard
or
easy
would
it
be
for
you
to
find
out
how
many
of
the
homes
that
or
whole
unit
rentals
that
are
being
offered
are
actually
abused.
I
think.
D
That's
what
hopes
compliance
can
help
us
with,
because
they
they
will
do
an
address,
look
up
service.
They
will
identify
the
specific
address
of
each
of
the
listings.
They'll
use,
photographic
evidence,
they'll
map
and
they'll
also
match
it
up
with
the
assessing
assessment
database
and
so
yeah.
Our
hope
is
that
by
working
with
them
we
would
be
able
to
do
that.
I
think
it
would
be
pretty
hard
to
do
on
our
own,
because
you
know
the
platforms,
don't
don't
provide
the
addresses
they.
D
They
want
it
to
be
somewhat
hidden
to
the
regulators.
You
know
what
so
they
make
it
hard
and
and
listings
come
on
and
off
all
the
time
too.
So
you
have
to
constantly
monitoring
so.
A
F
Okay,
I
did
have
one
other
question
and
that's
one
of
the
categories
for
rentals
was,
I
believe
it
was
shared
space
and
it
was
the
smallest
number.
How
is
it
undefined.
D
Sure
yeah
there's
a
definition.
It's
I
mean
it's
literally
like
I.
I
haven't
looked
at
those
shared
room,
listening
to
see
what
they
are
here,
but
I
would
imag
you
know.
Is
it
like
it's
like
hostile
style?
I
guess
you
know
you.
There's
you're
gonna
you're
gonna
share
a
room
with
somebody
else.
You
know
usually
very
affordable.
I
mean,
like
thirty
dollars,
a
night
that
kind
of
range
and
there
doesn't
seem
to
be
much
of
a
market
for
that
here,
but
yeah.
D
And
I
could
imagine
that
would
be
a
private
home
with
a
with
a
bedroom
set
aside
with.
Perhaps
you
know
a
couple
of
beds
in
it
or
it
could
be
more
of
a
transient
lodging
kind
of
situation
where
the
whole
the
whole
home
is
available
for
use
to
short
term
rentals.
And
then
there
are,
you
know
there
are
multiple
shared
rooms
or
something
like
that.
But.
D
What
do
folks
think
about
these
policy
objectives?
Are
these
the
right
policy
objectives?
That's
I'd
love
to
get
this
group's
input
on
on
these
on
these
policy
objectives,
so
we
want
to
preserve
the
availability
of
housing,
ensuring
the
properties
are
not
permanently
converted
into
short
term
levels,
minimize
public
safety
risk
and
noise
other
problems
without
creating
additional
work
and
give
residents
the
option
to
utilize
their
properties
to
generate
extra
income
from
short-term
rentals.
As
long
as
all
the
above
mentioned,
policy
objectives
are
met.
These
are
the
these.
D
Are
these
sort
of
possible
policy
objectives
that
we'd
like
to
put
out
to
the
community
for
further
input?
This
would
qualify,
I
think,
as
a
fairly
balanced
approach,
not
banning
short-term
rentals,
allowing
local
residents
to
take
advantage
financially
of
the
activity.
As
long
as
you
know,
certain
conditions
are
met,
including
safety,
etc.
We
would
probably
do
a
permitting
process
with
this,
but
I'd
be
I'd,
love
your
input,
I'm
sorry!
I
interrupted
you
tracy
or
I.
C
I
don't
remember
what
I
was
going
to
say
now.
I
just
wondered
so
yes,
I
do
remember
so
you
said
that
the
county
was
going
to
be
doing
a
big
study
and
are
they
doing
the
study
that
you
talked
about
with
getting
all
that
information.
B
Been
doing
these
reading
these,
I
wonder
how,
if
there's
a
conflict
between
one
and
three,
so
we're
saying
we
want
to
give
people
the
option,
but
you
know
how
does
that
relate
to
preserving
the
availability
of
housing.
D
What
we're
thinking
about
as
a
possible
you
know
regulatory
option
to
achieve
those
would
be
to
establish
a
a
permanent
resident
requirement
for
listing
your
short
term
and
I'll.
Do
it.
C
I
have
another
question
about
that,
then
the
people
I
know
around
me
who
are
doing
airbnb
are
people
who
live
in
one
apartment
in
their
house
and
they
rent
the
other
apartment
through
airbnb.
Are
we
talking
about
when
you
talk
about
residency
requirement?
Is
that
a
residency
requirement
that
you're
thinking
of.
D
Yeah
I
mean
that'll,
be,
I
think,
that'll
be
the
key
question
the
council
will
have
to
wrestle
with.
I
can
tell
you
my
personal
view,
but
it's
not
going
to
be
me
who
decides
I
I,
as
staff
we've
had
some
internal
conversations
and
I
I
do
think
that
the
duplex
situation
or
the
the
adu
situation
you
know
as
long
as
the
as
long
as
one
of
the
units
is
occupied
by
the
permanent
resident.
I
think
I
think
we
would
probably
want
to
allow
them
to
rent
the
other
unit
as
an
airbnb.
C
D
Yeah
and
it
and
it
it
does,
allow
you
know
people
to
to
take
advantage
of
of
the
market.
You
know,
certainly
if
that
unit,
that
other
unit
weren't
rented
for
short-term
rentals,
it
might
be
available
for
for
a
long-term
renter.
D
But
you
know
the
other
side
of
the
equation
is
here.
If
we
establish
an
appropriate,
you
know
approach
to
adus.
You
know
as
long
as
it
fits
with
with
with
with
that
zoning,
you
could
see,
people
actually
expand
housing
by
investing
in
their
property
and
adding
edus.
Where
would
be
appropriate?
You
know
whether
that's
good
or
not
is
for
others
to
to
haggle
over,
but
I
mean
there's
a
you.
D
D
Well,
not
easy!
Not
all
of
them
are
doing
that.
You
have
to
be
savvy.
You
have
to
be
good,
but
it's
possible,
and
I,
when
I
did
the
calculation
just
the
average
rent
that
you'd
get
for
a
two-bedroom,
and
you
know
the
average
daily
rate
for
a
two-bedroom
on
short-term
rental.
You'd
only
have
to
rent
it
83
days
out
of
the
year
as
a
short-term
rental
to
start
making
more
money
than
you
would
renting
it
out
full-time
to
a
long-term
tenant.
D
We
don't
want
to
see.
You
know
more
homes
turned
into
full-time
short-term
rentals.
F
E
I
agree
that
in
principle
allowing
an
owner
to
live
in
one
part
and
rent
another
part
meets
most
of
your
goals,
because
even
even
the
one
preserving
availability
of
housing,
because
you
can-
you
can't
scale
that-
and
so
you
know
like
there-
has
to
be
an
owner
living
in
that
property
somewhere.
E
So
they
can't
then
buy
another
one
then
buy
another
one,
and
I
think
that
the
danger
is
you
know
you
just
buy
another
house,
because
it's
such
a
good
such
a
good
model,
but
I
wonder
if
it
would
be
very
hard
to
write
it
legally.
E
You
know
because
every
time
they
they
try
to
make
an
owner
occupancy
requirement
for
this
thing,
and
that
thing
they
get
a
lot
of
pushback.
And
you
know
it's
just
being
it's
I'm
not
articulating
this
well,
but
I've
heard
landlords
just
hit
the
roof.
When
you
know
you
can
only
do
this
thing
if
it's
an
owner-occupied
and
then
they're
like
well,
what
do
you
mean?
It's
you're,
discriminating
against
renters
you're,
discriminating
against
investors,
so.
D
I
am
sure
we
will
have
push
back
there's.
No
doubt
this
is
a
controversial,
challenging
issue.
My
hope
is
that
you
know.
If
we
can
achieve
some
consensus
on
the
policy
goals,
then
then
we
can
look
at
best
practices
from
other
communities,
because
fortunately
we
will
not
be
the
first
to
wrestle
with
this,
and
there
are
other
communities
that
have
established
regulation
that
you
know
expand.
C
Tracy,
yes,
I
was
just
gonna
highlight
what
theresa
said
when
the
adu
discussion
came
up.
I
call
them
adoz.
C
There
was
a
big
controversy
about
whether
the
primary
unit
would
need
to
be
owner
occupied
or
not,
and
there
was
a
lot
of
controvers.
You
know
just
controversy.
Some
people
felt
strongly
it
should
and
other
people
felt
really
strongly
that
it
shouldn't.
So,
although
we
can
say
this,
it's
a
it's
a
hard
regulation.
I
agree
with
you
tom
to
get
to.
B
Let
you
say
that
tom
you
mentioned
that
this
may
lead
to
people
investing
in
the
property
and
building
adus
or
or
adding
to
property,
to
make
an
apartment,
and
I
I
think
that's
a
good
thing.
I
mean
it's
building
more
capacity,
I
mean
this
is
this
is
a
phenomenon
right
now.
It
may
be
long
term
in
our
community
because
we're
a
college
town,
but
you
know
any
given
property
that
has
an
apartment.
B
It's
not
necessarily
there's
going
to
be
a
short-term
rentals.
It
may
be
that
I
buy
the
house
so
that
my
mom
can
live
there
or
or
so
that
I
can
provide-
and
this
is
what's
happening
now,
so
that
I
can
provide
an
apartment
for
my
kids,
because
the
economy
is
such
that
you
know
they're
not
going
out
and
buying
homes.
B
The
way
the
you
know
they
used
to
back
when
america
was
great
right
and
again
and
you're
getting
multi-generational
families,
and
I
think
that's
going
to
continue
to
happen
for
a
bit,
and
so
so
things
change
and
just
adding
adding
more
housing
capacity.
More
empowerment
is
going
to
prove
a
beneficial
thing,
one
way
or
another.
B
A
I
had
one
question
which
was
so
tom.
I
was
interested
in
what
you
said.
In
terms
of
you
know,
it
would
be
good
to
look
into
or
you're
interested
in
looking
into
best
practices
from
other
communities.
I'm
assuming
that,
because
the
whole
short-term
rental
market
is
fairly
new.
There's
not.
A
There
haven't
been
a
lot
of
regulatory
interventions
to
date,
but
you
know
one
of
the
ones
I
was
wondering
if
you
considered
was
limiting
the
like,
having,
as
you
said
like,
have
it
be
possibly
permitted,
but
limiting
the
number
the
total
pool
of
permits
available
so
that
one
has
to
leave
the
pool
for
a
new
permit
to
become
available.
Have
you
do
you
have
any
thoughts
on
that
or
have
you
seen
that
happen
in
other
communities.
D
A
I've
heard
of
communities
that
do
that
and
kind
of
allow,
basically,
the
ones
that
are
existing
at
the
time,
that
the
approach
is
adopted
to
continue
to
exist,
but
then
set
a
number
so
that
they
can't
be
grandfathered
in
per
se.
But
if
the,
if
the
property
changes
and
that
it
doesn't
automatically
become,
they
have
to
reapply
for
a
permit
to
be
a
short-term
rental
again.
Something
like
that.
D
We
wanted
to
be
as
simple
and
easy
and
straightforward
to
comply
as
possible,
and
so
I
think
that
that
needs
to
be
a
factor
in
deciding
what
the
regulatory
approach
is
and
yeah
you
can
layer
on.
You
know
number
of
day
a
year
limit.
You
can
even
look
at
individual
blocks
and
say
you
know
we
want
to
have
a
density
requirement
to
avoid
whole
blocks
being
turned
up.
D
You
can
do
any
number
of
things,
but
understand
that
the
more
complexity
you
layer
on
the
less
likely
you
are
to
be
successful
at
enforcing
the
law,
enforcing
the
regulation
so
yeah,
I,
I
think
it'll
be
a
really
interesting
conversation
and
we
can
kind
of
throw
all
this
on
the
table
and
see
what
see
what
makes
sense.
Because
of
the
complexity.
F
So
tom,
I
understand
that
there's
an
agreement
with
airbnb,
so
the
properties
are
paying
the
the.
I
don't
know
if
it's
the
same
rate
as
the
the
hotel
room
tax,
but
there
is
some
income
coming
to
the
city,
but
I'm
wondering:
if
do
we
have
data
from
maybe
the
the
whole?
I
don't
know
if
there's
a
hotel
association
but
the
the
amount
of
business.
That's
shifting
from
the
hotels
to
the
short-term,
rentals.
D
That's
that's
a
really
good
question
yeah,
so
the
county
collects
a
five
percent
room
tax
on
hotels
and
currently
a
three
percent
tax
on
any
property.
That's
ten
rooms
or
less
counties
actually
right
now
in
real
time,
considering
a
modification
to
their
local,
short-term
rental
law
to
to
bring
everybody
up
to
five
percent,
including
the
smaller
properties
and
those
funds
go
to
the
county
for
a
variety
of
uses.
D
As
your
question,
you
know
we
can
see
the
total
size
of
the
market
for
short-term
rentals
and
we
can
see
what's
happening
with
occupancy
and
rate
for
hotels,
and
you
really
cannot
draw
any
kind
of
you
know
line
from
due
to
causation,
but
you
know
there
has
been
even
before
covid
some
some
softening
of
the
occupancy
and
there's
a
sense
that
perhaps
some
of
that
could
be
related
to
the
growth
of
the
short-term
rental
market.
D
On
the
other
side,
there's
also,
you
know
some
evidence.
You
know
you
have
to
be
careful
with
the
sources,
because
you
know
airbnb
hires,
good
researchers
and
writers,
and
they
they'll
they'll
come
up
with
reports
that
say
that
you
know
their
airbnb
is
generating
new
activity
for
these
markets
in
our.
In
our
case,
I
think
some
of
that
may
be
true
when
you
we
have
a
lot
of
peak
demand
periods.
D
This
is
all
pre-covered
because
covet
has
thrown
everything
for
a
loop,
but
I'll
tell
you
that
for
graduation
weekend
and
for
the
entire
month
of
july
and
august
and
then
some
other
busy
weekends
throughout
the
year,
you
can't
find
a
hotel
room
in
dawkins
county,
certainly
not
one
close
in
to
the
city
approximate
to
those
events
that
you
may
be
going
to
so
increasing
the
supply
in
the
marketplace
during
those
peak
periods
is
actually
a
really
good
thing
for
our
overall
ability
to
host
people
and
and
that
you
know
their
spending
and
not
just
on
lodging,
but
also
on
restaurants
and
retail
and
other
things
does
drive
economic
activity.
D
Here
I
mean
the
occupancies
are
just
through
the
roof
at
the
hotels
during
those
periods
that
I
mentioned.
So
in
that
case
you
are
draw.
You
are
you're,
not
necessarily
competing
with
the
hotels
you're
helping
the
economy
overall,
but
I
think
I
think
there
are
there's,
certainly
some
arguments
to
be
made
on
the
other
side
as
well,
that
it's
that
it's
hard,
that's
potentially
harmful
to
to
the
lodging
industry.
D
I
think
that
question
becomes
even
more
salient
now
that
we're
in
a
coveted
period
and
we
have
less
group
business
locally
and
nationally.
If
you
look
at
the
trends,
obviously
everybody
went
off
a
cliff
during
the
shutdown,
but
as
we
built
back,
an
occupancy
is
recovered
in
hotels.
D
A
lot
of
that
has
been
from
leisure
travel
and
not
group
business.
You
know
people
a
lot
of
the
hotel
business
had
been
for
for
meetings.
You
know,
events
at
cornell,
business
travel,
there's,
there's
no
more
business
travel
right
now.
You
know
we
do
expect
that
to
recover,
but
it's
going
to
take
two
three
years
and
in
the
meantime,
all
you
know
we
are
an
attractive
destination.
D
We
are
isolated.
We
are
spread
out,
we
have
outdoor
recreation
opportunities,
people
are
traveling
here
for
leisure
travel
and
that
particular
market
segment
is
probably
more
likely
to
look
at
a
short-term
rental
and
a
hotel,
whereas
the
business
segment
is
just
looking
at
a
hotel.
So
that's
a
long-winded
way
to
say.
I
think
that
that
question
is
going
to
become
more
more
and
more
important.
As
we
think
about
you
know
the
new
period
we're
operating
in.
C
Yeah,
I
have
a
question
so
airbnb
you
said,
has
rebounded
and
prices
are
up.
What's
happened?
How
is
that,
in
comparison
with
the
hotels
and
motels
I
mean,
are
they?
Are
they
getting
full
again
and
have
they
lowered
their
prices
raised
their
prices?
What's
going
on
with
them.
D
C
D
C
F
All
right!
Well,
if
there
are
no
other
questions
on
this
topic,
and
just
I'm
looking
at
the
paulette
and
tracy
have
to
we'll
have
to
leave
within
the
next
half
hour.
So
we
should
probably
move
on.
D
All
right,
this
is
kind
of
a
laundry
list,
so
I
won't
we've
been
busy.
I
guess,
we've
been,
we've
been
really
busy
and
it
hasn't
it
hasn't,
slowed
down.
We've
been
responding,
you
know
to
a
lot
of
different
issues
and
opportunities
brought
about
by
the
pandemic.
D
You
know
I
I
a
couple
of
things
to
maybe
highlight
here.
We
last
month
launched
a
new.
Actually,
we
started
in
august
anchor
storefront
recovery
loan
program.
So
as
we
as
we
start
to
come
out
of
of
of
covet-
and
you
know,
businesses
are
open,
but
their
revenues
are
not
where
they
were.
D
We
are
concerned
that
we're
going
to
see
you
know
more
businesses
struggle
with
cash
flow,
so
we
created
this
program
to
support
what
we're
calling
anchor
storefronts-
and
these
are
businesses
that,
through
some
combination
of
having
a
large
footprint
being
in
a
prominent
location,
having
longevity,
we
would
define
as
being
an
anchor
storefront
and
and
this
loan
was
has
been
capitalized
with
all
private
individual
money.
D
D
The
first
round
were
for
twenty
five
thousand
dollars,
so
it
looks
like
most
of
the
loans
are
going
to
be
right
around
twenty
five
thousand
dollar
range
and
they
are
very,
very
low
interest
rate
of
one
and
a
quarter
percent
repaid
over
five
years
after
a
one
year,
interest
only
payment
period,
and
we
we
have
made
six
of
those
loans,
now
we're
partnering
with
inhs
on
this
program,
and
we
have
two
more
applications
that
are
under
review
and
we've
got
about
half
of
the
total
money
still
available
to
consider
other
loans,
and
we
we're
happy
about
that.
D
We
think,
as
folks
go
into
the
winter,
you
know
and
we're
not
we're
supporting
businesses
that
are
strong
businesses.
But
just
are
you
know,
having
issues
with
with
cash
flow,
and
so
so
that's
been
a
recent
initiative
of
ours.
We
continue
to
provide
direct
technical
assistance
to
business
on
an
ongoing
basis.
D
So
those
are
some
of
the
things
we've
been
working
on.
I
can
I
don't
again.
I
don't
want
to
go
over
the
laundry
list
and
many
of
you
have
seen
some
of
this
stuff
as
it's
rolled
out,
but
I'm
happy
to
answer
any
questions
on
stuff
we've.
We
have
been
working
on
to
respond
and
recover
from
from
covid.
Maybe
one
thing
I'll
mention
actually
in
the
next
slide,
so
the
next
slide
is
stuff
coming
up
stuff.
We
got
on
the
horizon.
Let
me
stop
there
and
answer
any
questions
about
this
stuff.
F
The
collaboration
with
business
leaders
of
colors
for
the
the
black
owned
business
list
is
that
on
business
leaders
of
color's
website,
yes.
F
Okay,
I've
not
really
seen
that
promoted.
I
think
I
saw
a
maybe
a
press
notice
of
it
when
it
was
first
when
the
collaboration
first
started,
but
I
haven't
really
seen
a
promotion
of
that
list.
D
Yeah,
as
I
was
putting
this
together,
carl,
I
had
the
same
thought.
You
know
we
did
a
big
blast
when
when
we
finish
the
list,
but
you
know
we,
we,
I
think
we
should
go
back
and
think
about.
Okay.
How
do
we
make
you
know,
keep
this
top
of
mind
for
folks
and
come
up
with
a
marketing
strategy.
To
do
that.
You
know
we
we
just
we
did
this
with
existing
resources.
We
we
didn't,
we
don't.
We
don't
have
any
money
to
back
this
up.
D
At
this
point,
I
think
to
really
do
justice
and
we
should
try
to
find
some
money
to
do
a
campaign.
The
city
doesn't
have
any
money.
I
can
tell
you
that,
but
we're
pretty
good
at
finding
and
using
other
people's
money.
So
if
anybody
has
any
ideas,
I
would
love
to.
D
It's
been
weirdly
one
of
the
most
creative
and
productive
periods
of
my
career,
because
it's
like
everybody
needs
help.
Let's
invent
help,
there's
a
link
to
the
anchor
storefront
program
on
the
inhs
website.
In
case
you
want
more
information
about
that.
So
lots
of
stuff
coming
up.
It's
lots
of
stuff
we're
thinking
about
and
working
on.
You
may
know
that
the
tcad
has
decided
to
lead
the
development
of
a
county-wide
economic
recovery
strategy.
D
The
outreach
will
be
mainly
through
economic
development
partners
and
different
groups
in
the
community
who
are
who
are
service
providers
to
really
hone
in
fairly
quickly
on
what
some
priorities
should
be
for
recovery,
and
so
we've
heather
mcdaniel
has
has
started
to
make
the
rounds
with
some
groups,
and
I
imagine
we'll
do
more
of
that.
If
the
iura
wants
to
be
on
that
list,
you
know,
let's
make,
let's
make
sure
to
communicate
that.
I
think
you'd
be
a
good
group
for
them
to
you,
know,
come
and
talk
with.
D
D
You
know
not.
Everyone
wants
to
do
delivery,
but
for
those
that
do
and
those
that
use
third
party
delivery
companies
like
the
grub
hubs
and
doordash
and
ubereats
and
it's
gonna,
go
they're
concerned
that
they're
gonna
be
paying
fees
at
a
level
that
really
won't
allow
them
to
turn
a
profit.
Their
margins
are
so
small
anyway,
and
if,
if
they're
paying
30
for
delivery,
then
that's
gonna,
that's
gonna
really
make
it
difficult
for
them
to
to
do
to
do
delivery
or
to
make
a
profit
on
delivery.
D
D
Next
couple
of
business
days
to
get
more
input
from
the
restaurants
carl
will
know
we're
working
with
afcu
and
small
business
development
center
on
replicating
a
program
out
of
albany
sbdc.
Their
financial
partners
cube
state
employees,
federal
credit
union.
They
created
this
really
cool
program.
That's
been
very
successful
at
getting
money
to
people
who
have
not
been
able
to
access
traditional
business
financing
through
a
character-based
lending
program.
D
They
it's
a
combination
of
training,
ongoing
technical
assistance
and
a
and
and
a
sort
of
dedicated
pool
of
funding
that
people
who
sort
of
graduate
or
successful
with
the
training
component
of
the
program
are
eligible
to
apply
for
an
underwriting
decision
is
made
on
the
strength
of
business
and
the
character
of
the
owner,
not
on
credit
and
collateral,
so
we're
hoping
that
it
provides
access
to
financing
to
a
whole
new
group
of
business
owners,
and
we're
really
excited
about
that.
D
You
know
I
it's
it's
really
sbdc
and
afcu
that
are
they're
doing
the
legwork
on
this
we
got
a
200
and
some
thousand
dollar
grant
from
appalachian
regional
commission.
Lately,
I've
just
been
kind
of
the
cheerleader
and
you
know
helper
and
writer-
and
it's
been
a
pleasure
to
be
involved
with
that.
I
think
our
first
cohort
we're
hoping
we'll
have
the
program
ready
for
them
by
the
start
of
next
year.
D
But,
as
folks
may
know,
the
sec
changed
their
regulations
back
in
2016
for
who
could
invest
in
companies
and
there's
been
the
emergence
of
of
some
platforms
like
we
funder
honeycomb
republic.
Those
are
a
few
of
the
names
of
different
groups
that
are
that
are
helping
manage
this
and
basically,
I
think
it's
a
potential
opportunity
to
have
local
people.
D
You
know
who
may
not
be
qualified
investors,
which
you
know,
I'm
not
an
expert
on
this,
but
you
got
to
have
mucho
bucks
to
be
to
be
a
qualified
investor,
to
be
able
to
invest
directly
in
companies
and
and
and
but
folks,
who
may
have
a
little
bit
of
money
that
you
know
they
would
rather
invest
in
a
local
company.
Instead
of
you
know
more
money,
their
401k,
or
what
have
you
and
this?
D
This
idea
of
equity
crowdfunding
allows
individual
people
to
invest
smaller
small
amounts
of
money
into
individual
businesses
and
there's
a
whole.
You
know
there
are
these
platforms
that
have
been
set
up
to
manage
that
process
and
we're
talking
with
a
group
community
wealth
builders
that
has
come
up
with
a
way
to
to
really
help
companies
identify
whether
this
is
something
that
makes
sense
for
them,
help
them
with
their
raises
and
help
link
in
you
know,
help
promote
the
program
to
local
investors
as
well.
D
So
we're
we're
just
starting
on
this,
but
I'm
really
excited
about
it
and-
and
hopefully
you
know
we'll
be
able
to
come
up
with
something
we're
also
starting
to
look
at
regulatory
options
for
regulation
of
adult
recreational
marijuana,
particularly
retail.
If
new
york
state
should
pass
regulation,
we
want
to
be
ahead
of
the
curve
and
understand
what
we
can
and
can't
do
locally.
So
working
a
little
on
that.
In
the
background,
I'm
doing
a
lot
of
work
with
the
college
on
small
business
alliance.
D
They've
got
a
lot
of
energy,
come
up
with
a
work
program
for
the
year,
get
them
a
website,
continue
with
beautification,
hopefully
leaning
towards
more
focused
effort
on
supporting
the
business
district
in
college
town
and,
finally,
we've
just
recently
passed
a
local
law
allowing
for
open
commercial
pace.
It's
the
new
pace
program.
That's
I
think,
much
better
for
municipalities
and
businesses.
We
already
have
one
developer
who's
going
to
take
advantage
of
it.
This
is
basically
property
assessed
clean
energy.
D
It
allows
for
folks
that
are
interested
in
investing
in
renewable
energy
for
their
property
to
to
have
that
repayment
structured
through
a
deed
restriction
and
basically
allows
them
to
pass
off
the
costs
of
this
to
the
operation
side
of
the
budget,
so
we're
hoping
that
it's
attractive
to
some
developers
to
sort
of
give
a
shot
in
the
arm
to
our
efforts
to
promote
more
renewable
energy
and
new
york
state.
D
Just
earlier
this
year,
passed
regulation
to
allow
it
to
be
allow
this
program
to
be
expanded
to
new
construction,
not
just
existing
buildings,
so
that
in
particular,
combined
with
the
other
improvements,
we
hope
will
make
it
more
attractive
to
folks.
So
we'll
be
we'll
be
promoting
that
program.
This
fall
to
developers.
D
E
Can
I
ask
a
question
about
one
of
your
laundry
items,
the
equity
crowd
funding?
Is
there
any
way
or
does
anyone
do
or
it
would
it
fit
to
as
a
way
to
make
some
affordable
housing.
E
That
can
like
a
thousand
ithacans,
give
a
thousand
dollars,
and
then
the
community
housing
trust
could
build
a
building,
or
is
that
are
there
a
lot
of
regulatory
obstacles
to
that
is
that
is
that
something
that
would
count
as
a
type
of
investment
under
this
model.
D
Let
me
look
into
that.
That's
a
really
interesting
idea.
I
don't
know
the
answer
to
that
question
off
the
top.
I
mean
you
would
have
to
obviously
have
the
business
entity.
D
F
Then
I
wanna,
thank
you
very
much
tom.
This
is
very
interesting
boy.
You
are
busy
so
yeah.
We
really
thank
you
for
coming
in
talking
to
us
this
morning
and
at
some
point
we'll
check
in
again.
I
think
there's
some
some
items
here
that
are
really
of
interest
to
our
committee
and
to
the
the
ira
as
a
whole.
A
B
B
E
E
Talks
about
you
know
I
like
the
stuff
with
the
garage
they're
looking
for
eight
percent
return,
and
I
know
today,
interest
rates
are
zero
and
my
husband
has
a
retirement
fund
and
his
accountant
said
well,
a
long
term
annuity.
You
can
look
for
three
percent,
and
so
you
know
why
do
you
need
eight
percent?
B
Why
not
leverage
this
intense
housing
demand
that
we
have
in
this
community
to
to
help
build
wealth
for
residents
of
the
community,
help
provide
housing?
I
think
there's
something
there.
It's
just.
I
don't
have
I'm
not
the
one
to
think
through
enough
knowledge,
but
to
get
the
right
people
in
the
room.
I
mean,
if
you
give
I
nhs
a
million
dollars
under
a
program
that
is
structured
to
be
I
mean,
can
they
be
the
implementers
because
they
have
the
expertise
in
real
estate
development?
I
don't
know.
F
B
F
F
So
anisa
were
you
going
to
go
over
the
the
third
round?
The
cares
act.
A
Yeah
so,
as
you
saw
in
your
packet
hud,
let
us
know
that
we
received
367
000
more
dollars,
minus
the
admin
20
admin,
that's
about
295
000
to
use
for
emergency
coverage
related
uses,
plus
we
have
about
38
000,
that's
still
available
about
8
000
of
that
was
from
the
first
round,
and
30
thousand
is
from
some
previous
year's
pre-programmed
funding
that
we
can
use.
A
So
we
have
about
333
000
dollars
right
now
that
we
can
use-
and
I
think
you've
heard
in
the
community-
you
know
there's
you
know
you
just
heard
tom
talking
about
the
small
business
resiliency
funding,
there's,
there's
a
variety
of
ways
that
your
board,
you
know,
is
considering
using
this
funding.
A
First,
I
think
the
trying
to
establish
a
warming
people
are
calling
it
like
a
warming
station,
a
daytime
place
that
people
experiencing
homelessness
can
gather
since
shelters
are
generally
only
open
at
night.
We
expect
that
code
blue,
the
state's
program
for
any
night
that
is
below
a
certain
temperature
will
be
in
operation
that
the
hotel
rooms
will
be
made
available.
In
this
case,
probably
last
year,
churches
were
utilized
in
combination
with
hotel
rooms,
but
it
looks
like
this
year.
A
B
A
But
as
we
all
know
that
you
know
the
friendship
center
and
other
places
where
homeless,
people
can
usually
go
during
the
day
have
not
been
open
during
covet,
so
that
will
be
a
you
know,
not
a
good
situation
during
winter,
when
people
don't
have
a
place
to
warm
up
so
ira's
already.
You
know.
Staff
have
talked
to
service
providers
in
the
community
to
get
a
sense
of
what
they
might
be
able
to
do
with
what
amount
of
money
so
we're
continuing
those
conversations.
A
We've
talked
with
one
provider
so
far,
and
there
were
we've
had
a
preliminary
conversation
with
another
provider
so
that
we
could
get
an
idea
of
how
many
people
could
be
served
under
various
scenarios
and
then
we
would
bring
that
to
the
ira
board.
So
I
think
that
would
be
probably
the
first
priority,
since
of
course,
temperatures
are
dropping.
A
But
after
that,
then
you
know
there's
a
variety
of
types
of
ways.
The
money
could
be
utilized.
It
could
be
utilized
to
assist
nonprofits
that
might
be
struggling
or
that
didn't
get
a
chance
to
apply
during
the
small
business
resiliency
fund
period.
It
could
be
used.
You
know,
for
a
variety
of
different
reasons
again
that
they
all
would
need
to.
A
There
would
need
to
be
a
demonstrated
covet
impact,
but
in
a
lot
of
ways,
because
the
economy
has
been
so
impacted
by
covid.
You
know
it's
not
necessarily
difficult
to
show
of
an
impact,
but
you
know
so.
I
think
anything
that
that
you
all
are
interested
in.
Seeing
us
pursue
or
talk
to
people,
maybe
about
other
organizations,
find
out
more
information
about
we'd,
be
interested
in
hearing
from
the
committee.
F
Well,
one
of
the
things
that
I
brought
up
that
I
was
interested
in
at
the
last
month's
iera
meeting
was
excuse
me
seeing
what
we
could
do
about
the
folks
who
are
homeless,
who
are
who
have
been
congregating
in
the
300
block
of
west
state,
and
you
remember
when
liddy
barger
was
here,
and
you
know
I
asked
her
about
reasons.
She
said
one
that
she
thought.
F
The
primary
reason
was
because
the
friendship
center
because
of
culprit
restrictions
and
the
limited
space
was
unable
to
have
folks
come
in
and
be
there
as
they
used
to
be
during
the
day.
The
public
library
had
been
closed.
So
therefore
people
couldn't
go
there
so
kind
of
the
usual
spaces
where
people
were
they
didn't
have
access
to.
F
So
could
we
provide
money
to
the
friendship
center,
so
they
could
perhaps
have
enhanced
cleaning
so
that
they
could
have
people
there,
but
apparently
because
of
the
size
of
the
space,
they
can't
really
have
too
many
people
there
anyway,
not
as
many
people
say.
A
So
the
friendship
center
we
we
we
had
talked
to
them
so
far
to
hear
kind
of
what
ideas
they
have.
Sorry,
I'm
saying
my
internet
connection
is
now
unstable.
Hopefully
you
can
hear
me.
A
So
one
of
these
okay,
thank
you.
One
of
the
issues
with
the
friendship
center
is
the
space
is
so
limited
to
begin
with
that,
to
be
able
to
do
the
distancing,
that's
necessary,
their.
A
B
A
The
friendship
center
is
looking
at,
possibly
one
thing
that
they
could
do
is
put
a
tent
in
the
back
of
the
friendship
center
to
allow
people
to
be
able-
and
maybe
with
some
propane
heaters
or
something
like
that
to
allow
people
to
be
able
to
be
outside,
but
somewhat
warm.
That's
one
thought
that
they
have
or
also
opening
up
what
they
call.
They
call
their
r1
space
or
something
like
that.
It's
where
they
normally
people
might
normally
be
sleeping
but
open
that
up
to
allow
more
capacity.
A
Another
idea
would
be
to
perhaps
to
enter
into
a
short-term
lease
with
a
business.
That's
become
vacant,
a
storefront,
that's
bigger
that
has
bathrooms,
and
something
like
that,
where
it's
in
close
proximity
to
the
friendship
center,
so
that
people
could
go
to
the
friendship
center
to
get
to
utilize
the
food
pantry
or
to
get
some
of
the
services
that
they
may
need.
A
But
if
it's
you
know
just
to
warm
up
or
to
have
a
place
to
sit
or
possibly
you
know
gather
open,
you
know
enter
into
a
short-term
lease
for
a
space
that
would
allow
them
to
do
that.
So
those
are
two
thoughts
that
the
friendship
center
has
had.
A
Liddy
berger
and
I
had
a
preliminary
conversation
with
christina
culver
of
loves
and
fishes
to
find
out.
She
has
some
interest
and
some
ideas
of
ways
that
loathes
might
be
able
to
do
some
different
things
that
they
have.
You
know
kind
of
combining
their
advocacy
program,
which
she's
very
anxious
to
see
up
and
running
again,
since
they
haven't
been
utilizing
the
space
I
mean
they
haven't
been
able
to
have
gathering
in
the
lunch
base
that
they
usually
use
at
st
john's.
A
That's
normally
where
the
advocates
would
meet
with
people
to
find
out
what
their
needs
are
and
help
them
access
community
resources,
so
she's
really
interested
in
being
able
to
to
help
people
gain
access
to
things
that
they
need
that
they
haven't
really
been
able
to
get
access
to
in
the
last
six
months.
So
christina's
talking
to
potential
community
partners
about
that,
and
she
and
I
are
hoping
to
meet
with
her
next
week
sometime
to
hear
what
her
ideas
are.
A
C
I
I
was
just
wondering:
have
people
talk
to
the
people
who
are
hanging
on
the
300
block
of
west
state
to
see
where,
where
they
were
before
I
mean,
were
these
actual
clients
who
were
spending
the
day
at
the
friendship
center?
Were
they
something
else?
Were
they
the
people
at
the
library?
Were
they
just
on
the
commons,
or
I
also
know
that
some
people,
when
the
weather
gets
cold,
sort
of
move
in
to
couches,
and
things
like
that
with
relatives.
C
I
I'm
just
curious.
I
mean
somebody
actually
asked
them.
A
Yes,
so
the
community,
our
reach
workers,
including
tammy
baker,
but
not
solely
tammy
baker,
there's
a
group
that's
come
together
and
has
been
meeting
regularly,
including
a
staff
member
from
the
friendship
center
from
staff.
I
believe,
and
a
couple
other
places
that
serve
people
who
are
homeless
do
go
by
and
visit
people
regularly
who
are
hanging
out
in
that
block
and
my
conversations
with
liddy
have
you
know
so.
A
A
A
place
to
be,
but
because
they're,
because
they're,
where
they
live,
is
substandard,
it's
not
a
nice
place
to
be
normally
probably
would
be
spending
their
days
in
the
library
or
somewhere
like
that
right.
So
it's
a
combination
of
people
with
you
know
kind
of
different
housing
situations
or
or
not
being
housed,
but
yeah,
and
I
think
also
to
your
point
about
a
lot
of
times.
People
may
more
able
to
stay
with
family
members
or
something
like
that
during
cold
weather.
A
I
think
the
fact
remains
that
oftentimes
there
is
pressure
real
or
perceived
to
be
outside
of
the
home
during
the
day
right,
so
like
not
put
as
much
pressure
on
the
household
as
you
can
so
so
I
think
it
really
comes
down
to
folks
that,
for
a
variety
of
reasons,
have
a
need
to
be
somewhere
during
the
day.
That's
welcome
and
warm
and
can
meet
some
of
their
needs,
and
so
there's
a
lot
of
folks
with
a
lot
of
different
situations.
There.
C
A
A
E
E
Don't
know
it's
a
fernando
knows
one
of
them.
I
think
one
of
my
tenants
works
for
you,
fernando.
E
A
Teresa
theresa,
I
was
wondering
from
your
experience
what
I've
heard,
but
you
know
I
don't
have
a
way
of
confirming,
because
I'm
not
in
africa
24
hours
a
day
is
that
staff
has
changed
their
staffing
patterns
to
have
more
of
a
staff
presence
during
more
hours
of
the
day.
Is
that
your
experience
or
not
really.
E
A
B
E
Seen
evidence
that
maybe
there
has
been
sporadically
and
I've
not
because
I'm
there
every
other
day
to
pick
up
the
trash
and
just
sort
of
try
to
figure
out
what's
going
on,
but
what's
interesting
is
I
thought
that
this
was.
You
know
part
of
staff's
mission
to
have
these
outdoor
safe
spaces,
but
they
don't
have
it
at
any
other
place.
They
don't
have
a
picnic
table,
a
basketball
hoop
all
sorts
of
patio
furniture
and
and
when
I
called
it
a
patio
john
barry
got
very
upset
and
he
said
it
is
not
a
patio.
E
It
is
a
parking
lot
and
I
said
okay,
my
dictionary
says
patio
is
a
paved
area
outside
a
building
with
dining
and
lounging
furniture.
But
if
you
want
to
call
it
a
parking
lot
with
dining
and
lounging
furniture
good
you
know,
can
we
do
something
about
the
dining
and
lounging
parking
lot?
So
I
think
they're
struggling
because
they
don't
know
you
know
they
don't
know
what
to
do.
But
it's
it's
very
hard.
I
think
there
are
also
a
lot
of
vacant
properties
that
are
in
the
process
of
being
redeveloped.
E
So
eventually
I
like
I,
I
really
want
to
see
inclusionary
zoning
before
west
state
street
gets
completely
identified
because
that's
our
last
affordable
neighborhood,
but
eventually
it
will
stabilize
with
or
without
mixed
income.
You
know,
so
it's
just
right
now,
it's
just
not
it's.
The
quality
of
life
for
everyone
in
the
neighborhood
is
really
terrible.
So
I
mean
and
also
staff
had
that
building
across
the
street
which
they
bought
where
z
used
to
live
and
they
made
it
into
offices,
but
now
they're
working
remotely.
So
it's
empty.
E
A
This
is
where
the
funding
could
provide
some
short-term
staffing.
If
that's,
what
the
board
decides
is
needed.
That's
a
particular.
You
know
you're
you're,
bringing
up
a
space
that
I
haven't
heard
mentioned
yet
the
staff,
the
other
stuff.
E
A
So
yeah,
okay,
so
I
mean
the
other
thing.
Is
the
outreach
workers
themselves
tammy
baker's
position,
the
part
of
the
position
that
the
county
normally
funds?
You
know
the
county
is
going
to
be
making
cuts
and
that
position
is
one
that
could
possibly.
A
You
know
that
role
has
been
very
important
in
the
community
and
you
know
she
does
a
lot
of
work
in
helping
people
find
resources
and
resolve
all
different
kinds
of
issues,
not
just
for
the
downtown
community,
but
all
around.
I
I've
been
talking
with
her
when
she's
getting
calls
from
people
all
over
town,
not
just
on
the
comments
so.
B
A
A
F
F
She
did
cut
up
totally
well,
we
don't
have
any
more
voting
items,
so
that's
that's
fine.
So
I
did
want
to
ask
so
sounds
like
there's
a
couple
issues
with
these
folks.
One
is
a
place
for
them
to
be,
especially
as
the
weather
gets
colder,
and
so
you
know
there
are,
for
example,
a
couple
of
properties
at
the
corner
of
state
and
plain
the
former
karate
studio,
and
then
next
to
that
john,
the
former
john's
convenience
store.
F
I
don't
know
if
it's
the
same
landlord,
but
those
are
open
spaces
that
would
allow
you
know
the
social
distancing,
and
so
those
could
be
used
for
warming
spaces.
But
the
other
issue
is:
do
the
outreach
workers
know
I
mean
so.
The
other
issue
is
the
services
you
know
from
the
human
service
agencies
that
these
folks
need,
but
also
do
we
know
how
many
of
them
are
looking
for
work
and
so
would
be
open
to
being
directed
towards
job
training,
programs.
A
Yeah
well
to
that
note,
actually
I
did
speak
to
hetp's
coordinator
alicia
acres
a
couple
weeks
ago.
I
know
you
all
were
interested
in
what
was
happening
with
http
and
they
started
their
new
cohort.
Their
fall
cohort,
they
have
13
people
enrolled
in
kind
of
a
hybrid
about,
half
of
them
are
doing
it
in
person
and
half
are
doing
it
through
zoom
and
two
of
the
two
to
three
might
be.
A
Three
individuals
are
actually
staying
at
second
one
cottages
and
they're,
doing
it
via
zoom
in
the
community
space
there.
So
I
think
that
there
are,
I
mean
so
that's
anecdotal,
but
a
small
number
of
people
are
participating
in
job
training.
I
think
some
of
it
would
have
to
do
with
when
the
classes
begin
and
then
my
other
question
is
like
especially
for
something
like
http,
as
we
know,
they're
being
trained
for
the
hospitality
industry
primarily,
but
what
will
the
job
availability
be
afterwards?
A
I
mean,
I
think,
that's
another
question,
but
you
bring
up
a
good
point
that
this
might
be
a
great
place
for
outreach
to
be
done.
Perhaps
you
know
there
are
some
younger
members
of
that
group
who
you
know
the
significant
elements
work
preserve
program
that
could
reach.
You
know
we
do.
A
And
I
mean
so
they're
they're
now
accepting
donations
again
and
I
think
they
have
a
lot
to
process.
So
that
might
be.
A
Yes,
I
don't
know
if
people
can
hear
me,
but
carl
do
you
happen
to
know
whether
the
karate
studio
has
I'm
assuming
they
must
have
restrooms
or
something
inside?
It
doesn't
seem
like
a
very
big
space
to
me,
but
I
could
be
wrong.
F
Yeah
one
I
would
assume
there
are
restrooms
and
it's
been
a
long
time
since
I've
been
inside
that
building.
You
know
it
was
a
church
before
it
was
the
community
before
as
the
karate
center.
So
I
assume
there
is
a
at
least
one
bathroom
within
there
and
it's
open
so
yeah.
I
would
think
it
certainly
could
be
support
the
six
foot
distancing
for
just
be
speculating.
So
I
don't
really
know
how
many
people,
but
it's
I
think,
it's
worth
looking
into.
A
Okay
yeah.
Thank
you
for
the
suggestions.
We
had
a
short
list
of
other
spaces,
but
those
two
weren't
on
it.
So
thank
you.
Okay,.
F
And
we
should
probably
move
on
to
our
other
business.
So
it's
really
just
the
grant
summary
and
the
staff
report.
A
Okay,
so
as
far
as
staff
report
I
shared
with
you
about
gc
http's
program,
they
are,
they
are
going
forward.
I,
like
I
said
I
had
spoken
to
her
right
at
the
beginning
of
they
were
going
to
be
kicking
off
classes.
So
that's
good
to
hear
also
in
terms
of
nonprofits
that
might
be
struggling.
As
you
probably
know,
the
community
foundation
park
foundation
have
coordinated
a
group.
A
I've
spoken
of
it
before
called
the
local
funders,
coven
19
response
network,
so
we've
been
continuing
to
meet
and
hsc
has
taken
the
lead
in
reaching
out
to
nonprofits
to
find
out
kind
of
what
their
organizational
needs
are
during
this
time.
You
know
some
I've
heard
of
at
least
one
larger
non-profit.
A
That's
trying
to
find
a
way
to
merge
with
another
one,
because
during
these
very
difficult
financial
times
you
know
it's
really
hard
to
to
go
on
for
them
and
they
have
a
lot
of
competency
in
the
in
their
area.
So
that's
something
that
they're
looking
at,
but
hsc
is
a
group
that
we
could
approach
to
find
out
more
about
the
particular
needs
that
nonprofits
are
having
and.
C
A
So
so
there's
some,
you
know,
there's
some
fear
out
there
right
now
and
I
think
that's
in
terms
of
things
that
we
haven't
already
talked
about.
Those
are
those
were
the
things
that
I
had
on
my
list
to
talk
with
you
about.
F
Okay,
nothing
really
anything
highlights
from
the
grand
summary
you
want
to
bring
to
our
attention.
A
No,
like
I
said,
http
said
that
they
would
be
vouchering
soon
now
that
they've
recruited
for
their
classes.
You
know
that
was
a
question
that
you
all
had
it's
like.
Why
have
they
not
turned
out
any
funding
but
they're?
They
should
be
submitting
some
vouchers
if
they
haven't
already
to
charles.
F
A
F
A
They
hud
initially
told
us
that
they
wanted
us
to
get
it
into
the
community
quickly
and
compliantly,
and
the
first
round
of
funding
are
in
conversation
with
our
hud
rep.
We
did
do
that
in
the
time
frame
that
they
were
expecting.
They
haven't
said
like
it
has
to
be
within
18
months
or
anything
like
that.
But
so
we
discussed
with
her
that
probably
the
soonest
that
we
would
roll
out
any
of
the
third
phase
would
be
probably
november
and
it
would
need
to
go.
A
Probably
be
for
the
warming
station
and
then
as
soon
as
the
we
got
that
cleared
up,
then
we
would
be
working
through
the
process
for
an
another
couple
of
months
and
that
time
frame
seemed
very
acceptable
to
her.
F
F
E
A
A
Feel
free,
if
any
of
the
committee
members
have
ideas
of
things
that
you'd
like
to
discuss
or
hear
anybody
you'd
like
to
hear
about
from
in
you
know,
future
meetings,
I'm
always
happy
to
connect
and
try
to
facilitate
that.
F
Yeah
one
of
the
things
that
came
up-
and
I
think
might
be-
and
you
and
I
can
talk
about
this
anissa-
is
gladys
brangman
and
business
leaders
of
colors
and
the
work
that
they
are
doing
to
support
business.
Small
businesses
well,
yeah.
I
think
pretty
much.
All
her
members
could
be
classified
as
small,
smaller
micro
businesses
for
folks
of
color
and
just
to
learn
about
some
of
the
efforts
that
are
going
on
specifically
for
those
types
of
businesses.
A
A
Right
and
I
think
to
your
point
carl
when
you
asked
tom
about
that
in
the
meeting
I
had
been
aware
of
some-
you
know
efforts
to
work
with
business
leaders
of
color,
but
I
think
that
there
could
be
you
know
greater
awareness
of
what's
going
on,
so
it
would
be
really
interesting
to
hear
from
her.
So
I
can
reach
out.
F
Yeah
and
I'm
going
to
talk
to
our
marketing
director
to
see
how
we
might
promote
because
business
leaders
of
color
is
a
partner
of
ours,
so
see
how
we
can
promote
that.
And
you
know
there
might
be
some
funding
from
say
the
community
foundation,
because
some
of
their
donor
advised
fund
funders
are
I'm
sure
interested
in
promoting
small
business.
A
Well,
and
also-
I
think
I
may
have
reported
this
in
the
past,
but
the
the
coven
19
funders
network
has
been
very
successful
in
helping
funders
in
the
community
come
together
to
understand
what
the
needs
are
and
then
the
different
funders
are
then
able
to
bring
back
to
their
boards
and
committees.
A
A
So
I
think
something
like
what
you're
suggesting
could
really
be
very
much
in
line
with
what
they're
thinking
about
doing
and
could
be
an
early
project
that
they
look
at.
I
think,
okay,
so
it
might
be
worthwhile
to
continue
that
conversation,
and
I
can
bring
that
up
to
georgian
too.