Application for Citrus County SHIP Funds

Application for Citrus County SHIP Funds

Not-For-Profit Developer Strategy

Fiscal Year

2017-2018

Applications will be accepted

October 2 – November 3, 2017

Citrus County Board of County Commissioners

Department of Community Services

Housing Services Division

2804 W. Marc Knighton Court # 12

Lecanto, FL 34461

(352)527-7520

Instructions for Completing Application for SHIP Funds

Background

The Citrus County Board of County Commissioners, through the 2017-2018State Housing Initiative Program (SHIP) budget resolution, approved to allocate a portion of its SHIP funds to not-for-profit housing developers who produce housing for households with up to 80% of Area Median Income (AMI). These funds will be awarded on a competitive basis. The funds will be used to assist with the construction or rehabilitation of homes sold by not-for-profit housing developers.

A maximum of $10,000 may be spent per unit. Funds may be used for interest rate buydown, development fees, or to offset the cost of construction. As long as the home stays part of the affordable housing stock for at least 20 years, no money will have to be repaid to the County.

Eligible Activities

The SHIP funds may be used to pay the present value of the interest. Loans may be in the form of a straight purchase loan or can be construction/permanent financing loans. These loans can be made to either the purchaser of the home or directly to the non-profit. Interested non-profits may work with local lenders to arrange financing. Loan terms can be for a maximum of 30 years.

Eligible costs include impact fees, i.e. water and sewer fees, building permit fees, and other reasonable and customary fees charged by governmental entities. Other eligible activities include hard construction costs directly associated with lot development such as septic, wells, and site prep. Any remaining funds may be used to meet the energy conservation guidelines of the program or to offset the cost of construction.

Recapture Provisions

The funds provided by the SHIP program do not have to be repaid to the county, provided that the homes that are built or rehabilitated remain part of the affordable housing stock for at least 20years. All eligible sponsors shall include in the deed transferring ownership of the property to the eligible person or eligible sponsor, a covenant which shall remain with the land for the term herein specified. You must state in your proposal how your agency will accomplish this (soft second mortgages, right of first refusal, land trust, etc.). If the homes are sold within the 20 year period to a successor family whose income exceeds 80% of the AMI of Citrus County, repayment will be in accordance with the non-profit’s promissory note.

TERMS AND CONDITIONS

1. Applicantsacknowledge that all information contained within the response is public record to the extent required by State of Florida Public Records Laws. Sealed Proposals are exempt from public record until the agency provides notice of decision or within ten (10) days after Proposal opening, whichever is earlier. Financial statements, if required, are exempt from disclosure under 119.071(l)(b)(c), Florida Statutes.

1. Applications may be made only by the governing bodies of 501 (c) (3), not-for-profit organizations and public agencies. This program is not a pass through grant program. The applicant will be legally, administratively, and fiscally responsible for the grant.

1. All applicants must read, sign, and comply with the Agency Certifications (Attachment A).

1. All applicants must read, sign, and comply with the 2017-2018 Program Certification (Attachment B).

1. Providers of services must be in compliance with all city, county, state licensing and/or accreditation/certification and regulatory requirements. Additionally, all applicants must provide verification regarding past suspensions/debarments. Without documentation of licenses/accreditation (or a statement as to why licensure is not required) and past explanation of suspensions/debarment, applications will be considered ineligible and will not be considered for review. These certifications must be submitted with the application, Suspension/Debarment Certification (Attachment C).

1. All applicants must read, sign, and comply with the Sworn Statement of Public Entity Crimes(Attachment D) prior to entering into a Contract with the County.

1. The awards made pursuant to this Request for Proposal are subject to the provisions of Chapter 112, Part 111, Florida Statutes, Conflict of Interest Certification (Attachment E). All applicants must disclose with their responses the name of any officer, director, or agent who is also an employee of the County

1. Agencies must complete the Development Budget and Sources/Uses Worksheets, NPO Budget.xls Tabs “A” and “B” and attach to application (Attachment F).

1. All awards are contingent upon BOCC approval and funding availability.

1. The successful applicants shall be required to enter into a cost reimbursement contract that will be provided by the County that incorporates the requirements of this Request for Proposal.

Insurance Requirements

1. Contractor shall procure and maintain for the duration of the contract insurance against claims for injuries to persons or damages to property which may arise from or in connection with the performance of the work hereunder by the contractor, his agents, representatives, employees or subcontractors. The coverages, limits or endorsements required herein protect the primary interests of the County, and these coverages, limits or endorsements shall in no way be required to be relied upon when assessing the extent or determining appropriate types and limits of coverage to protect the Contractor against any loss exposures, whether as a result of the project or otherwise. The requirements contained herein, as well as the County’s review or acknowledgement, is not intended to and shall not in any manner limit or qualify the liabilities and obligations assumed by the Contractor under this contract.

a. COMMERCIAL GENERAL LIABILITY

Contractor must obtain an occurrence form policy in limits not less than $1,000,000 each occurrence, $1,000,000 products / completed operations each occurrence, $1,000,000 personal and advertising injury liability, $50,000 fire damage liability and $5,000 medical expense.

b. AUTOMOBILE LIABILITY

Coverage must be afforded including coverage for all Owned vehicles, Hired and Non-Owned vehicles for Bodily Injury and Property Damage of not less than $100,000 per person for bodily injury, $300,000 per accident and $100,000 property damage per accident. In the event the Contractor does not own vehicles, the Contractor shall maintain coverage for Hired & Non-Owned Auto Liability, which may be satisfied by way of endorsement to the Commercial General Liability policy or separate Business Auto Liability policy.

c. WORKERS COMPENSATION AND EMPLOYER’S LIABILITY

i) Contractor must obtain Workers Compensation insurance with limits in compliance with

applicable state and federal laws; if any operations are to be undertaken on or about navigable waters, coverage must be included for the US Longshoremen & Harbor Workers Act. Employer's Liability limits for not less than $100,000 each accident $500,000 disease policy limit and $100,000 disease each employee must be included.

ii) For any officer of a Contractor that has exempt status as an individual, the County requires proof of workers’ compensation insurance coverage for that contractor/employer/owner’s employees. If the contractor/employer/owner or individual has applied for a workers’ compensation exemption, the County does not recognize this exemption to extend to the employees of the contractor/employer/owner.

iii) The purpose of this section is to ensure that all contractors, subcontractors, sole proprietors, or business entities of any kind who contract with the County for provision of goods or services, provide workers’ compensation coverage for all employees, and principles of subcontractors, subcontractors, sole proprietors, or other business entities. All provisions of this Section shall be construed in accord with this intent.

Application Checklist

All applicable items listed below must be submitted with your application or your application will be considered incomplete.

_____Application Form - Completed and Signed

_____Legal Description of Subject Property(s)

_____Site/Floor Plan(s), Drawn to Scale

Attachments Checklist

Part I General Information

Local Agency History_____

Agency Mission Statement_____

Part IIBoard of Directors

Current Board Member List_____

Certificate of Insurance_____

Part IIILegal Requirements

IRS Certification 501C 3 Status_____

Certificate of Registration with State of Florida_____

Certificate of Exemption from Sales Tax_____

IRS Form 990_____

Part IV Fiscal Requirements

Most recent annual audit_____

State of federal grant/loan source monitoring reports_____

Part VAgency Experience

Welfare Transition Programdescription, if applicable_____

Part VIProject Information

Evidence of site control_____

Detailed time line_____

Financial commitments

Part VII Additional Attachments & Appendices

Attachment A: Agency Certifications

Attachment B: 2017-2018 Program Certification

Attachment C: Suspension/Debarment Certification

Attachment D: Sworn Statement of Public Entity Crimes

Attachment E: Conflict of Interest Certification

Attachment F: Development Budget and Sources/Uses Worksheets, NPO Budget.xls Tabs

“A” and “B”, and attach to application.

Appendix 1: Monitoring Reports from other Agencies

Appendix 2: 501(c) (3) Certification*

Appendix 3: Recent IRS Form 990*

Appendix 4: Licenses/Certifications*

Appendix 5: Certificate of Insurance*

Appendix 6: Organizational Chart*

Appendix 7: Articles of Incorporation/By-Laws*

Appendix 8: 2016 Audit Report and Management Letter or Financial Statement*

(Financial Statement is acceptable if agency audit is not required.)

*Include those items indicated by (*) in the one (1) original application only.

APPLICATION SUBMISSION

Submitted applications must contain the following components:

• One (1) original signed application in a three (3) ring binder with sections tabbed.
• Nine (9) copies, three (3) hole-punched, sections tabbed, and bound with a binder clip, one clip (1) per copy.
• All pages must be numbered.
• All required attachments and appendices must be completed/signed and submitted with the application.

Applications will be accepted beginning Monday, October 2, 2017, at 8 a.m. and due by Friday, November 3, 2017, at 4 p.m.

Please deliver to:Citrus CountyResource Center, Housing Services Division,Attention: Tammy Harris, Director, Housing Services.

2804 W. Marc Knighton Ct. # 12, Lecanto, FL 34461. (352) 527-7520.

AGENCY PROFILE

Part I: General Information

Agency:______

Mailing Address: ______

Physical Address: ______

Executive Director: ______

Agency Telephone/Email: ______

Part II:Board of Directors

1. Please attach a list of your Board of Directors with their Name, Title, and Term-limits.

1. Does any member of your Board of Directors receive financial benefit or remuneration from your Agency? ______

1. Does the Agency have the required insurance coverage to perform the proposed activity?

______if yes, please attach Certificate of Insurance.

Part III:Legal Requirements

Please submit the following documents with your Application:

1. United States Internal Revenue Service certification of 501(c) 3 status.

1. Current certificate of Registration with the State of Florida Secretary of State certifying registration under Chapter 496 of the Florida Statutes.

1. Current certificate of Exemption from Sales and Use Tax under Chapter 212 of the Florida Statutes.

1. Internal Revenue Service Form 990.

Part IV: Fiscal Requirements

A.Is the Agency’s annual compilation conducted by an Independent Certified Public Accountant? ______.Please attach a complete copy of your most recent independently conducted audit or compilation.

B.Please attach all Agency monitoring reportsre: state or federal funds received by your Agency within the past 18 months.

C.Describe type of accounting system and financial management controls that are in place in your Agency. What internal controls are inplace to ensure a proper segregation of fiscal duties within the agency?

Part V.Agency Experience/Capacity and History

1. Please describe the agency’s history(two 2 page maximum).

1. How many units of affordable housing has your agency produced to date and where are they located?(NOTE: Produced means either new construction or more than $10,000 of rehabilitation) .

1. Of the units listed in question “B”, how many were built for very-low (50% AMI) income households? ______Low-income (80% AMI) households? ______

1. How many of these units have gone through foreclosure? ______

1. What was the average sales price of all homes built by your Agency for each calendar year? 2016$______2015$______2014 $ 2013$______

1. Indicate the number of houses you expect to build or rehabilitate in 2017: ______and 2018: ______

1. Does your agency employ personnel from the Welfare Transition Program?( If so, please describe.

Part VI.Project Information

1. Briefly describe your project with which SHIP funds will be used.Describe the need for the subsidy and how the end user (client) will benefit from the award. Please include projected cost perhome, projected first mortgage and any subsequent mortgages including SHIP.

1. Please describe your agency’s process for selecting purchasers/occupants of your homes.
2. Describe what type of site control you have for this property and attach evidence of same. This may include a recorded deed, a contract for purchase or an option to purchase property within 90 days.

1. Please attach detailed time-line for development. Funds must be expended by the Not-for-Profit and the house occupied by an eligible client within 16 months of funding award.
2. Describe your agency’s process of insuring that these homes will remain part of the affordable housing stock for at least 20 years. (Examplesinclude: resale agreements, soft seconds, right of first refusal, etc.)

1. Please submit evidence of financial commitments from a lender of otherwise and attach copies of any type of commitment letters. NOTE: Applications may be approved, but funds will not be made available until documentation of financing has been secured.

1. Complete Development Budget and Sources/Uses Worksheets, NPO Budget.xls Tabs “A” and “B”, and attach to application.This Worksheet is provided by the County in conjunction with the Application as a separate Attachment (F).

Part VIII. Energy Conservation

The long term affordability of homeownership is determined not only by principal, interest, taxes and insurance costs (PITI), but also by long term energy costs.

In recognition of the need to address energy efficiency in new construction of affordable housing, the following energy conservation measures are strongly encouraged. Please attach a description of the energy conservation measures to be included in your homes constructed.

Proper window orientation- Windows should be maximized on the south walls.Minimize unshaded windows on the northwest and west walls.

Window shading by design or by shading glaze- Building design naturally shades windows by porches, awnings, or trellises.Trees can be very effective and increase home value as they grow.A shading glaze applied by the window manufacturer reduces the sun'sconductive and radiant heat, reducing air conditioning costs.Unshaded windows should have shading coefficient of .67. Light colored roofs or radiant barrier system.Radiant heat from the sun beats down on Florida's residential roofs.A light or white color is a sensible energy feature.A truss mounted radiant barrier system can also trap and release heatemitted into the attic.

R30 attic insulation and continuous soffit and ridge vents-Although code only requires R19, the additional insulation has been shown tobe cost effective.

Heat Pump HVAC- A heat pump is the most energy-efficient heating and cooling systemcommercially available. Heat pumps are rated by their Seasonal EnergyEfficiency Ratio (SEER) for cooling. TheA/C unit should be sized using the unit indicated by Manual J.

Ducts in conditioned space- (inside conditioned envelope and insulation)this item ensures that the central heating/cooling system will deliverconditioned air inside the house rather than heating or cooling the attic.

Sealed and tested duct system- If the above cannot be done, seal all joints in ductwork with mastic and have the ducts tested for leakage.

Energy efficient electric appliances or gas appliances-Where possible all appliances and systems should be Energy Star certified.

Insulated steel doors- Keep glazing to a minimum on west side unless protected by shading.

Digital thermostat- Provides accurate settings for occupants. Each degree which the house is cooled below 80 degrees F increases annual cooling costs by 8%-12%.

ATTACHMENT A

AGENCY CERTIFICATIONS

A.All information contained in this application is correct to the best of the Agency’s knowledge.

B.The Agency complies with all relevant non-discrimination guidelines with regard to race, religion, national origin, age, handicap and sex.

C.The Agency assures equal employment opportunities and applies all equal opportunity standards to persons served by the agency, its members, Board of Directors, and committees.

D.The initial purchasers of the homes built with assistance from the SHIP program will have total household incomes less than 80 percent of Citrus County’s AMI.

E. The Agency currently owns or has entered into an Agreement for sale or has an option to purchase the property for development.

F.The Agency agrees to execute any documents required by the County in accordance with the County’s SHIP program.

G.If awarded funding, the Agency agrees to comply with all requirements of SHIP in accordance with Florida Statute Chapters 420.9071-9079, Florida Administrative Code Chapter 67-37, and the provisions of Citrus County’s Local Housing Assistance Plan.

H.The Agency has adopted the following codes of Conduct and Competition policy:

No employee, officer, or agent of the agency shall participate in the selection, award, or administration of a contract supported by SHIP funds if a real or apparent conflict of interest would be involved. Such a conflict would arise when the employee, officer, or agent, any member of his or her immediate family, his or her partner, or an organization which employs or is about to employ any of the parties indicated herein, has a financial or other interest in the firm selected for an award. The officers, employees, and agents of the recipient shall neither solicit nor accept gratuities, favors, or anything of monetary value from contractors, or parties to sub-agreements. However, recipients may set standards for situations in which the financial interest is not substantial or the gift is an unsolicited item of nominal value.

All procurement transactions shall be conducted in a manner to provide to the maximum extent practical, open, and free competition. The recipient shall be alert to organizational conflicts of interest as well as noncompetitive practices among contractors that may restrict or eliminate competition or otherwise restrain trade.