The URL can be used to link to this page

Intent to Apply for Local Housing Trust Fund FY24 to Iowa Finance Authority Copyrighted September 18, 2023 City of Dubuque Consent Items # 015. City Council Meeting ITEM TITLE: Intent to Applyfor Local Housing Trust Fund FY24 to lowa Finance Authority SUM MARY: City Manager recommending City Council approve the request to apply for Local Housing Trust Fund 2024 with an anticipated amount of $231,167.00 and a required match of$53,169.00. RESOLUTION Authorizing the Mayor to Execute an Application for the Local Housing Trust Fund 2024 and Authorizing the Housing and Community Development Director and the City Manager to Approve the Application SUGGESTED Suggested Disposition: Receive and File;Adopt Resolution(s) DISPOSITION: ATTACHMENTS: Description Type MVM Memo City Manager Memo FY24LHTF Application - Staff Memo Staff Memo FY24 LHTF Application - Resolution Resolutions FY24 LHTF Application and Docs Supporting Documentation Dubuque THE CITY QF � All-Meriea Ciry DLT B E ; . � . � �� MaSt� Z�C� aYd t�Q Mt55ZSSZ Z zoa�•zoiz•�ai3 YP pp za��*zai� TO: The Honorable Mayor and City Council Members FROM: Michael C. Van Milligen, City Manager SUBJECT: Intent to apply for Local Housing Trust Fund 2024 DATE: September 13, 2023 Housing and Community Development Director Alexis Steger is recommending City Council approve the request to apply for Local Housing Trust Fund 2024 with an anticipated amount of $231,167.00 and a required match of$53,169.00. The City of Dubuque's Local Housing Trust Fund is an entitlement community through IFA's State Housing Trust Fund allocation. This funding is calculated on a formula that includes an allocation based on the population of the area served and requires a 23% local match, funded through Greater powntown TIF. I concur with the recommendation and respectfully request Mayor and City Council approval. � Mic ael C. Van Milligen MCVM:sv Attachment cc: Crenna Brumwell, City Attorney Cori Burbach, Assistant City Manager Alexis Steger, Housing and Community Development Director Jennifer Larson, Chief Financial Officer Nathan Kelleher, Budget/Financial Analyst Dubuqu� THE CIT7f OF � ��dia pq� �� # � ��5�� C� {7�� IL' �7SS�SS1 � �oo�•zoiz•��i� � �� 017tZ01� TO: Michael C. Van Milligen, City Manager FROM: Alexis Steger, Housing and Community Development Director SUBJECT: Intent to apply for Local Housing Trust Fund 2024 DATE: 7/25/2023 INTRODUCTION The purpose of this memorandum is to request approval to apply for Local Housing Trust Fund 2024. DISCUSSION The City of Dubuque's Local Housing Trust Fund is an entitlement community through IFA's State Housing Trust Fund allocation. This funding is calculated on a formula that includes an allocation based on the population of the area served and requires a 23% local match, funded through Greater powntown TIF. Anticipated Amount: $231,167.00 Match Required: Yes Match Funding Source: Greater powntown TIF Match Amount: $53,169.00 Application Due Date: 10/2/2023 Anticipated Notification Date: 12/7/2023 Anticipated Receipt of money: 1/1/2024 Departments Involved: Housing GRANT OBJECTIVE This is entitlement funding from the State Housing Trust Fund to our Local Housing Trust Fund for calendar year 2024. This traditionally funds homeowner rehabilitation and first-time homebuyer down payment assistance in the Washington Neighborhood, expanded to 32nd Street. This year, the Local Housing Trust Fund Advisory Committee has elected to expand the eligibility area north and northeast to include additional areas of the City, as outlined in the map in the supporting documentation. There is a future opportunity to reapply for these funds, at this time. GOAL(S) ADDRESSED Council Goal: Livable Neighborhoods and Housing: Great Places to Live Outcome(s) Have safe, healthy, inclusive neighborhoods citywide Value s Protection of home and property values ACTION STEP I am requesting that you approve my recommendation to apply for Local Housing Trust Fund 2024. CC: Jennifer Larson, Director of Budget and Finance Nathan Kellwher, Budget/Financial Analyst AS/mh RESOLUTION NO. 309-23 RESOLUTION AUTHORIZING THE MAYOR TO EXECUTE AN APPLICATION FOR THE LOCAL HOUSING TRUST FUND 2024 AND AUTHORIZING THE HOUSING AND COMMUNITY DEVELOPMENT DIRECTOR AND THE CITY MANAGER TO APPROVE THE APPLICATION Whereas, the City of Dubuque administers a Local Housing Trust Fund; and Whereas, the City of Dubuque proposes to continue administering the Local Housing Trust Fund and apply to the Iowa Finance Authority for Local Housing Trust Fund for their Fiscal Year 2024. NOW THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF DUBUQUE, IOWA, THAT: Section 1. That the Mayor hereby is authorized and directed to submit an application for the Local Housing Trust Fund 2024 on behalf of the City of Dubuque. Section 2. That the Housing and Community Development Director and the City Manager are hereby authorized to approve the application that is submitted to the Iowa Finance Authority. Section 2. That the City Manager is hereby authorized and directed to forward said application and resulting standard executed contract to the respective agencies in a timely fashion and as required by the Iowa Finance Authority. Passed, approved and adopted this 18th day of September 2023. Brad M. C gh, Mayor Attest: Trish Gleason, Assistant City Clerk 9/11/23,2:53 PM Conduct Survey General Information Introduction In accordance with Iowa Code section 16.181, a housing trust fund ("Fund") is held within the Iowa Finance Authority (IFA). The moneys in the Fund are to be used for the development and preservation of affordable housing for low-income people in the state. The two programs operated under the Fund are the Local Housing Trust Fund Program and the Project-Based Housing Program. APPLICATION DEADLINE: MONDAY, OCTOBER 2, 2023, 4:30 PM Completed applications for the Local Housing Trust Fund (LHTF) Program must be submitted to the IFA through the online application system by no later than the established application deadline. The system will not allow an application to be submitted after this date and time. In order to avoid technical delays, IFA recommends that you do not wait until the last day to submit your application. Prior to completing this application, please refer to the Allocation Plan for the Local Housing Trust Fund Program ("Allocation Plan") for the rules and definitions governing the program. The Allocation Plan, approximate amount of funding available in the round, award maximums, and program schedule can be found on the IFA web site: SHTF web page Maximum Application/Award Amount Limits The LHTF Program Award Maximums have been established based upon LHTF type and geographic service area population and are posted on the LHTF Resources web page: LHTF Resources web page LHTF Certification Requirements All applicants applying for the LHTF Program must meet the requirements of Section 2 of the Allocation Plan and be certified as a LHTF by the IFA Board of Directors prior to funding. The LHTF Certification Requirements are available on the LHTF Resources web page (see above link). The request for LHTF certification must be submitted separately from the application for funding. Program Guidelines and Threshold Requirements Applicants for LHTF Program funding should refer to the Allocation Plan for all program guidelines and threshold requirements. The application must meet all criteria specified in the Allocation Plan for application and awards. Applicants must complete the application in its entirety, including all exhibits and narrative documents, and submit the application to IFA by the specified deadline. IFA staff will review the application submission to determine if threshold has been met and will make a funding recommendation to the IFA Board of Directors. All LHTF Program awards must be approved by IFA's Board of Directors. Threshold Requirements and Corresponding Exhibits Need for Housing in the Community Impact of Activity Financial and Overall Feasibility of Activity Leveraging and Partners in Activity Administrative Capacity of Eligible Applicant Timeline of Fund Activity Application Instructions Section Navigation: Navigate through the application using the links for sections on the left. Once all REQUIRED questions in a section have been completed, the section icon will turn from a red "x" to a green "check." Note that a green "check" does not verify that questions have been answered fully or correctly, only that a response has been entered, and it does not reflect whether optional questions have been completed. Applicants are responsible for verifying that all information is complete and correct. Printing and Saving: Use the icons near the top of your application screen to"Print;'"Save;'and"Save and Exit."You may wish to save your narrative answers first in a Word document, and then copy and paste to the application when ready. This will help avoid the possibility of being "timed-out" of the system. https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 1/11 9/11/23,2:53 PM Conduct Survey Linking Additional Users to One Application: You may link a second user to your application. The second user must first create his or her own account in the system. Then the first user may log in, click on"View"in the header, and select"MyIFA Account." Then at the bottom of the screen, click on "Add New Authorized User," and enter the new user's username. Both users should now be able to access and work on the same application. Application Submission: Before the system will allow an application to be submitted, every icon must show a green"check"at left. Any missing responses to required questions will result in a remaining red "x." Any required responses that are missing may be identified by clicking the link at the bottom left for the"Error Log." Note that the system does not validate answers; it only verifies that each question contains a response. Once submitted, the application may be viewed, but no further edits will be allowed. Application and Program Questions Please contact Terri Rosonke at Terri.Rosonke@IowaFinance.com or 515-452-0440 with any questions. Applicant Profile Federal Tax ID Number:* 42-6004596 � LHTF Applicant:* City of Dubuque Housing Trust Fund � LHTF Address and Contact Information:* Street Address: P.O. Box (if applicable): 350 W. 6th Street, Suite 312 City:* DUBUQUE � State:* IA `� Zip Code:* 52001 � Telephone:* (563) 690-6102 � E-mail:* mhaverla@cityofdubuque.org LHTF Administrative Contact:* Administrator's Name Administrator's Title Alexis Steger Housing and Community Develo LHTF Authorized Signer: Name and Title of person providing electronic signature to this application. NOTE: Additional authorized signers must be addressed after award by submitting a "Signature Authorization for Alternate Signors" form.* Authorized Signer's Name Authorized Signer's Title James Holz Chair, Dubuque Housing Trust Fi Application Amount & Local Match 1. Amount of LHTF Program grant award requested: (LHTF Program Award Maximums are posted on the LHTF Resources web page)* Application Amount: $231,167.00 � 2. Local Match 23% requirement for this Application (calculated as the Application Amount x .23): https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 2/11 9/11/23,2:53 PM Conduct Survey (Calculated Field) $53,168.41 Under the LHTF Program Allocation Plan, "Local Match" is defined as follows: Local Match: Cash contributions and/or the fair market value of donated property or services to a LHTF. To be considered eligible local match, the following conditions must be met: (1) Documentation of contributions already received, an adopted resolution or ordinance, and/or a written letter of commitment from the source providing the contribution to the LHTF must be provided at the time of application (the submitted documentation must provide evidence of the source providing the local match contribution to the LHTF and must specify the type and amount of the contribution, including the specified value of any donated property or services) (2) The LHTF must be the direct recipient of the local match contribution with control over its expenditure and/or use (3) At least ten percent (10%) of the local match requirement set forth in section 3.3 of this Plan must be provided from local government and/or local private sector contributions (4) No more than 25 percent (25%) of the total proposed local match may be associated with the general administrative expenses of the LHTF, whether the contribution toward administration is provided in the form of cash or an in-kind donation (5) The proposed local match contribution must not have been used to fulfill the local match obligation in any prior application to the Fund. Will the Local Match funding identified as committed under the Budget tab in this application meet the LHTF Program Allocation Plan definition of"Local Match" in full?* Yes No 3. What is the total amount of Local Match committed to this application? (Local Match amount must be equal to or greater than 23% Local Match requirement in the above calculated field rounded up to the next whole dollar.)* Local Match Amount: $53,169 3A. Local Match percentage committed to this Application, calculated as follows: the total amount of the Local Match commitment divided by the LHTF Program grant Application Amount (must be equal to or greater than 23%) (Calculated Field) 23.000255% 3B. Will at least 10% of this required 23% Local Match requirement be provided from local government and/or local private sector contributions?* Yes No 3C. List the specific sources and amounts of these local government and/or local private sector contributions:* Greater powntown Tax Increment Financing 3D. Will the LHTF be the direct recipient of all Local Match contributions with control over expenditure and/or use (reminder: all Local Match funding must be identifiable in the LHTF's annual audit)?* Yes No If no, explain: 3E. Will any of the Local Match commitment, whether provided in the form of cash or an in-kind donation, be associated with the general administrative expenses of the LHTF?* Yes No If yes, what is the total amount of Local Match budgeted for general LHTF administration? NOTE: Local Match budgeted for general LHTF administration expenses may not exceed 25 percent of the total amount of Local Match committed to this application. https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 3/11 9/11/23,2:53 PM Conduct Survey 3F. Has any of the proposed Local Match commitment been used to fulfill the Local Match obligation in any prior application to the Fund?* Yes No If yes, explain: Program Description 4. Awards from the Fund must be used for the development or preservation of affordable housing for Eligible Recipients as defined in the Allocation Plan, including infrastructure development, transitional housing, housing for the homeless, homeownership, rental housing, capacity building, or other purposes that further the Fund's goals. Describe the proposed activities the LHTF will assist under the total Budget submitted in this application:* The activities carried out under this grant will support homeownership in the areas of the City that have had other infrastructure improvements and beautification efforts made over the last several years. Down payment assistance loans will be available for low/moderate income families purchasing single-family homes or duplexes in the designated geographic areas. They will be eligible for up to $25,000 in assistance depending on income level. Down payment assistance is also available for potential homebuyers that are Extremely Low-Income anywhere in the city limits. Homeowner Rehabilitation Loans will also be available in the same service area for low/mod-income homeowners making improvements to their properties. Homeowner rehabilitation loans will be available to owners of single-family dwellings and owner- occupied duplexes, for up to $25,000 or more with approval from the Housing Trust Fund Advisory Committee. These loans are available at zero percent interest, with low monthly payments to maintain affordability while allowing homeowners to have the resources to make needed or wanted improvements on their homes. 5. LHTF Program grant amount to be reserved for Extremely Low-Income Eligible Recipients (this amount must be equal to or greater than the LHTF Program grant Application Amount requested multiplied by .30, rounded up to the next dollar):* $69,351.00 5A. Explain how the LHTF will meet the requirement that at least 30 percent of the awarded LHTF Program funding must serve Extremely Low-Income Eligible Recipients:* We work closely with our PHA to increase homeownership among Housing Choice Voucher participants, and will continue to maximize that partnership. We have established relationships with multiple real estate brokerages and financial institutions so they are aware of the assistance provided and can make appropriate referrals when Extremely Low-Income Eligible potential recipients enter their doors. Because our department focuses on community development, we also have an expansive network of partnerships with organizations that serve Extremely Low-Income Eligible potential recipients, including the Fountain of Youth, Multicultural Family Center, Habitat for Humanity, Opening Doors, Dubuque Rescue Mission, Dubuque Community Schools, Office of Veteran's Affairs, and more. 6. In the table that follows, enter the number of housing units the LHTF estimates will be assisted by each Activity Type (Homebuyer/Owner-occupied Units, Rental Units and Housing for Homeless Persons Units) under the total Project Budget submitted in the Sources and Uses of Funds under the Budget section of this Application. The completed table must include all three Activity Type options, even if the estimated number of units to be assisted is zero. Click on "Add New Row" until all three Activity Types have been entered into the table. Action Activity Type Number of Units Homebuyer/Owner-occupied Units 14 Rental Units 0 Housing for Homeless Persons Units 0 14 7. Provide a brief description of your LHTF which IFA may release to the public (for example, how would you describe your LHTF and its mission in a sentence or two in a media release):* The City of Dubuque Local Housing Trust Fund increases homeownership opportunities and sustainability for low- to moderate- income residents through zero percent interest loans targeted in Dubuque's Washington Neighborhood. https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 4/11 9/11/23,2:53 PM Conduct Survey Administration 7. Will any portion of the LHTF Program grant Application Amount requested in this application under Question 1 be used to finance the on-going administration of the LHTF?* Yes � No 7A. If yes, what amount of the LHTF Program grant Application Amount is budgeted for administration?* $23,116 7B. Percentage of the LHTF Program Application Amount budgeted for administration (Calculated Field) 10.00% NOTE: LHTF Program awards used to finance administrative expenses of the LHTF inay not exceed 25 percent of the Fund award during the first two years of certification for a Newly Formed LHTF and may not exceed 10 percent of the Fund award in subsequent years. 8. Has the applicant ever been issued a State Notice of Noncompliance or a "Closed and Incomplete" letter by IFA compliance monitoring staff under any IFA program or other local, state, or federal program or ever been debarred or suspended from participation at the local, state, or federal funding level for any period of time?* Yes No 8A. If yes, explain: NOTE: IFA reserves the right to deny funding to an applicant that has failed to comply with program requirements in the administration of any previous project funded by IFA through any of its programs. 9. The Applicant must demonstrate sufficient administrative capacity and the experience needed to successfully plan and execute the proposed activities in a timely manner. Describe the Applicant's administrative capacity and experience related to the LHTF Program:* The City of Dubuque has administered an LHTF program for many years and has dedicated staff to ensuring that the program activities are carried out in a timely manner and tracked sufficiently to be reported. The Community Development Programs Division of the Housing &Community Development Department has staff that have worked with this funding for many years. Additionally, these staff are responsible for multiple funding sources, including local, state and Federal dollars that contribute towards improvement of existing housing stock and creation of affordable housing. 10. Will the LHTF have two or more open LHTF Program grant agreements as of the application submission deadline date?* Yes No 10A. If yes, explain the proposed timeline for closing out the earliest fiscal year grant agreement: We don't anticipate having more than one open grant as we are on track to spend it down fully, but there may be a portion of the 2022 grant still unspent by December 31, 2023. If this is the case, we will request an extension and have all funds expended no later than ]une 30, 2024. NOTE: Pursuant to Section 1.8.2 of the Allocation Plan for the LHTF Program (the Administrative Ru/es), LHTFs with multiple open grant agreements may be subject to the following remedies: (i) LHTF Program funds awarded in a subsequent fiscal year shall not be disbursed until the earliest fiscal year grant agreement has been closed out. If applicable, this remedy shall be implemented, subject to Board approval, as a contingency to the new LHTF Program award. (2)If the earliest fiscal year grant agreement has not been c/osed out during a subsequent fiscal year following IFA's determination to apply remedy(1)above, the Grantee may be declared ineligible for funding, subject to Board approval, in the LHTF Program allocation round. IFA shall notify https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 5/11 9/11/23,2:53 PM Conduct Survey the LHTF of a declaration of ineligibility for future LHTF Program awards prior to the established application submission deadline but by no later than July 1 and may set forth certain conditions that if satisfied would restore the LHTF's eligibility for funding. � Board of Directors Total number of seats on the LHTF's Board of Directors:* 5 Total number of Board seats currently filled:* 4 Total number of Board seats currently vacant:* 1 I Board of Directors List In the following table, provide a current listing of all members of the LHTF's board of directors, which must include each board member's name, address, employer, term start and end dates, and whether the board member is affiliated with local government or is a public official. The number of rows in the completed table must equal the number of Board seats currently filled as listed in the previous question. No more than 50 percent of the LHTF board can be comprised of individuals from local government and/or public officials. Local government/public officials who are also employed in the private sector will be considered representatives of local government (the public sector) and will not be considered private sector representatives. * � Is the Board Board Board Board Board Board Board Board Member a Term Member's Member's Member'slMember's Member's Member's�Member's ILocal Term End Action Sta rt First Last Address- Address- Address- Address-Place of Government Date Date Name Name Street City State Zip Code Employment Employee or a Public Official? 3010 MSA James Holz Indiana Ct DUBUQUE IA 52001 Professional No 8/17/2021 8/17/2024 Services Michelle Becwar St eet DUBUQUE IA 52001 C�d t Union No 8/17/2021 8/17/2024 601 Rick Baumhover GarField DUBUQUE IA 52001 Hy-Vee No 8/17/2022 8/17/2025 Ave, Ste 105 950 Wood Goodwill Amy Eudaley Street DUBUQUE IA 52001 Industries of No 8/17/2023 8/17/2026 NE Iowa Budget Sources of Funds Provide all sources of funds to be included in the budget for this grant year in the following table, identifying all sources of funds to be used to finance the LHTF Program including the LHTF grant award request and all Local Match commitments. Please enter the LHTF Program grant amount requested in this application as the first source of funding in the table. Note that only Committed funds may be counted as eligible Local Match.* Action Source of pmount Type of Funds Form of If"other" Form of Status Funding Contribution Contribution, describe: LHTF Grant $231,167 IFA - LHTF Program Cash Uncommitted GDTIF Local Government $53,169 Contribution Cash Committed $284,336 https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 6/11 9/11/23,2:53 PM Conduct Survey Uses of Funds Provide all proposed uses of funds in terms of types of housing programs and activities to be completed under the requested LHTF Program grant award. All applicants must list "Administration - LHTF Program Grant Funding" and "Administration - Local Match (cash or in-kind)" in the uses of funds grid, even if the amount budgeted for administration from each funding source is $0.* Action Use of Funding If"other" Use of Funding, Amount describe: Administration - LHTF Program grant funding $23,116 Homeowner-Acquisition Assistance for Homebuyers (may include $261,220 rehabilitation) Administration - Local Match (cash or in-kind) $0 $284,336 Minority Impact Statement Pursuant to 2008 Iowa Acts, HF 2393, Iowa Code Section 8.11, all grant applications submitted to the State of Iowa which are due beginning January 1, 2009 shall include a Minority Impact Statement. This is the state's mechanism to require grant applicants to consider the potential impact of the grant project's proposed programs or policies on minority groups. This section is not scored. DEFINITIONS "Minority Persons;'as defined in Iowa Code Section 8.11, mean individuals who are women, persons with a disability, Blacks, Latinos, Asians or Pacific Islanders, American Indians, and Alaskan Native Americans. "Disability;'as defined in Iowa Code Section 15.102, subsection 5, paragraph"b;'subparagraph (1): b. as used in this subsection: (1) "Disability" means, with respect to an individual, a physical or mental impairment that substantially limits one or more of the major life activities of the individual, a record of physical or mental impairment that substantially limits one or more of the major life activities of the individual, or being regarded as an individual with a physical or mental impairment that substantially limits one or more of the major life activities of the individual. "Disability"does not include any of the following: (a) Homeosexuality or bisexuality. (b) Transvestism, transsexualism, pedophilia, exhibitionism, voyeurism, gender identity disorders not resulting from physical impairments or other sexual behavior disorders. (c) Compulsive gambling, kleptomania, or pyromania. (d) Psychoactive substance abuse disorders resulting from current illegal use of drugs. "State Agency;'as defined in Iowa Code Section 8.11, means a department, board, bureau, commission, or other agency or authority of the state of Iowa. 1. Please choose the statement(s) that pertains to this grant application. Complete all the information requested for the chosen statement(s).* A: The proposed grant project programs or policies could have a disproportionate or unique positive impact on minority persons. B: The proposed grant project programs or policies could have a disproportionate or unique negative impact on minority persons. C: The proposed grant project programs or policies are not expected to have a disproportionate or unique impact on minority persons. 2. If"A" is selected above, answer the following: Describe the positive impact expected from this project. Historically with the down payment assistance loans that we provide, we have seen high numbers of female-heads-of-household. Often, these are single parents with children who are able to afford a home with the assistance provided. Due to legacy housing discrimination, homeownership has multiple barriers for racial minorities. These down payment assistance loans create more opportunity for individuals and families who have experienced generational poverty and lack of generational wealth due to institutional racism. The financial assistance coupled with the programs we offer to support financial stability and asset building increase the opportunities for homeownership among these populations. Particularly in Dubuque, the Black, Latino, and Pacific Islander populations. Additionally, there are many homeowners who are on a fixed income due to a disability, which makes needed repairs to their homes unaffordable in some cases. Indicate which group is impacted: Women Persons with a disability Blacks Latinos https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 7/11 9/11/23,2:53 PM Conduct Survey Asians Pacific Islanders American Indians Alaskan Native Other 3. If"B" is selected above, answer the following: Describe the negative impact expected from this project. Present the rationale for the existence of the proposed program or policy. Provide evidence of consultation of representatives of the minority groups impacted. Describe the negative impact expected from this project. Indicate which group is impacted: Women Persons with a disability Blacks Latinos Asians Pacific Islanders American Indians Alaskan Native Other 4. If"C" is selected above, answer the following: Present the rationale for determining no impact. I hereby certify that the information above is complete and accurate,to the best of my knowledge. Entering my name and title here serves as my electronic signature.* Name Maddy Haverland Title Urban Development and Housin Exhibits - Upload Acknowledgment, Authorization, Certification and Release (all applicants) Download the LHTF Program Application Certification and Signature Page at the link below, print, read, and have signed by an authorized representative of the LHTF. Then upload a signed copy into this section of the online application submission. I LHTF Program Application Certification I Housing Assistance Plan (all applicants) https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 8/11 9/11/23,2:53 PM Conduct Survey Upload the LHTF's current Housing Assistance Plan (HAP). � Public Hearing Minutes (all applicants) Upload the minutes from the LHTF's most recent public hearing. I Organizational Changes (if applicable) If applicable, the LHTF must submit documentation of any additional changes, updates, or revisions to the LHTF's organizational structure which have been made since the LHTF was originally certified as a LHTF of which IFA has not been previously notified. Examples of documents that may have been revised include articles of incorporation, bylaws, resolutions, IRS 501(c)(3) status, and/or formal recognition as the entity responsible for coordinating local housing programs. Need for Housing/Activity in the Community (first-time applicants only) The Applicant must demonstrate a need for the proposed affordable housing activities. First-time applicants must upload a narrative Exhibit explaining how the proposed LHTF Program activities will help address the housing needs/gaps of the geographic area the applicant serves, as identified in the HAP. Impact of Activity (first-time applicants only) First-time applicants must upload a narrative Exhibit explaining the impact the proposed LHTF activities will have in the geographic area served. Describe the impact of the activities in terms of the continuum of housing needs from homeless to transitional to rental to homeownership. Financial and Overall Feasibility of Activity (first-time applicants only) First-time applicants must upload a narrative Exhibit explaining why the proposed activity or program is financially and operationally feasible. � Local Support - Leveraging and Partners in Activity (first-time applicants required� optional for all other applicants) � The applicant must demonstrate support from local entities (which may include, but is not necessarily limited to, local government entities, nonprofit organizations, neighborhood organizations, for-profit housing organizations, and/or local service providers) with respect to the proposed LHTF activities. First-time applicants must upload documentation in the form of resolutions or letters of support. If applicable,youu may reference but do not need to submit additional copies of local support documentation already_provided in the request for LHTF certification. Optional:A previously certified LHTF inay elect to provide new documentation of local support of which IFA has not been previously notified. Local Match - Leveraging and Partners in Acitivity (all applicants) This uploaded Exhibit must include Local Match documentation. The applicant must have a Local Match (cash contributions and/or the fair market value of donated property or services to a LHTF) as defined in Section 1.5 and as described in Section 3.3 of the Allocation Plan. Documented Local Match commitments must total at least 21 percent of the grant amount requested from the LHTF Program in this application. Only firm funding commitments can be counted as Local Match. https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmPD... 9/11 9/11/23,2:53 PM Conduct Survey Documentation of contributions already received, an adopted resolution or ordinance, and/or a written letter of commitment from the source providing the Local Match contribution to the LHTF must be provided in this Exhibit. A letter from the LHTF itself listing Local Match commitments made by other entities is not acceptable documentation under this Exhibit. The submitted documentation must include evidence of the source providing the Local Match contribution to the LHTF and must specify the type and amount of the contribution, including the specified value of any donated property or services. The LHTF must be the direct recipient of the Local Match contribution with control over its expenditure and/or use. At least 10 percent of the required 25 percent Local Match requirement must be provided from local government and/or local private sector contributions. No more than 25 percent of the total proposed Local Match may be associated with the general administrative expenses of the LHTF, whether the contribution toward administration is provided in the form of cash or an in-kind donation. The proposed Local Match contribution must not have been used to fulfill the Local Match obligation in any prior application to the Fund. � Timeline (all applicants) All applicants must upload a proposed timeline of activities. The timeline must include key dates for the proposed grant activities and show that all funds included in the Budget can be expended and that the proposed activities/units can be completed resulting in a benefit to Eligible Recipients or Extremely Low-Income Eligible Recipients as defined in Section 1.6 of the Allocation Plan within the two-year grant agreement period. If the LHTF has two or more open LHTF Program grant agreements as of the application submission deadline, also address the timeline for closing out the earliest fiscal year grant agreement. I Annual Report (all applicants) Upload an annual report or a narrative summarizing the LHTF's accomplishments over the past year. i Audit (all applicants) Upload the LHTF's most recent independent auditor's report. Upload Exhibits Upload your Exhibits here:* Title Document Type Upload Date Match Commitment Letter and Local Match - Leveraging and Partners in 7/14/2023 3:05:34 Resolution Activity PM FY24 Timeline Timeline 7/14/2023 3:14:16 PM Use the fields below to upload an exhibit. Document Type: Select a Document Type � Title: � Select Document to Upload: �ad Document Remember to click on the "Submit" button when your application is complete and ready for submission to IFA for review. Error Log The following errors occurred in the Exhibits - Upload section: Upload your Exhibits here: Acknowledgment, Authorization, Certification &Release - LHTF Program Application Certification - required upload for all applicants Housing Assistance Plan - Housing Assistance Plan - required upload for all applicants Public Hearing Minutes - Public Hearing Minutes - required upload for all applicants https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmP... 10/11 9/11/23,2:53 PM Conduct Survey Annual Report- Annual Report- required upload for all applicants (first-time applicants may upload "progress to date" statement) Audit- Audit - required upload for all applicants You must resolve the errors listed above before you can submit this application. I https://shtf.iowafinance.com/QNA/ConductSurvey.aspx?Qry=xROA0E5qjU7ZZEUZVTpuf18cqGw%2b3tZmVs4e9Bw7woKwlpl8aJnOHGiwQ9SUmP... 11/11 City of Dubuque TxE ciTY aF Housing 8�Community Development � Department UB E 350 W. 6th Street, Suite 312 Masterpiece on the Mississippi �o POR uN�'r"r Dubuque, IA 52001 Office (563) 589-4239 Housinq Trust Fund Annual Report— Fiscal Year 2023 The City of Dubuque's Fiscal Year operates July 1 —June 30, so the reference timeframe for this reportwill be FY23 (July 1, 2022-June 30, 2023) and FY22 (July 1, 2021-June 30, 2022). In Fiscal Year 2023, $220,000.00 was expended to assist twelve (12) low- and moderate- income residents purchase homes. Of this amount: - Six homebuyers were Extremely Low-Income Eligible Recipients. - Seven were female heads-of-household. - Three identified as individuals with disabilities. - Three were Section 8 Housing Choice Voucher holders. Since this Program began in 2005 the Washington Neighborhood has realized 120 new homebuyers; 127 properties have been rehabilitated; 55 below-standard rental units were converted to affordable single-family homes. All households that receive LHTF are required to complete "homeowner ready" classes. In 2022, we switched to an online platform called Finally Home! Homebuyer Education. The Workshop is offered online and is a self-paced course that participants can complete at their own convenience from a tablet, smartphone, or computer. Feedback received is very positive, as this format allows people to work through the classes and gain knowledge without the pressure of making it to an in-person class. It eliminates barriers for low- to moderate-income families that may experience difficulties with access to childcare in the evening, mobility issues, work schedules, etc. In June 2019, City Council approved a partnership between Affordable Housing Network Inc. (AHNI) and the City Housing Department to operate a similar program to acquire, rehabilitate, resell and/or manage properties consisting primarily of residential units for the low and moderate-income residents. The partnership will remain in effect until June 30, 2024. The City agrees to invest $600,000 as part of a comprehensive neighborhood revitalization initiative. ANHI has acquired eight residential properties to date and seven have been sold. September 2023 lowa Finance Authority City of Dubuque Housing Trust Fund Housing Assistance Plan The City of Dubuque is the oldest city in lowa, beautifully situated on the Mississippi River, sharing a border with both Illinois and Wisconsin. As the "key city" of lowa, Dubuque was a harbor of industry with the river ports. The founder of the City, Julien Dubuque, was a French Canadian fur-trader- turned-lead-miner that put our city on track to be one of the largest lead producers in the nation during the Civil War. This success was due in part to Dubuque's hills as part of the Driftless Region. Looking at these hills as you enter Dubuque from the east, the rich historic fabric of our architecture greets you from the bluffs. It's like stepping back in time. While Dubuque's history contributes to its identity and culture, it also means that over 80°/o of our housing stock was built before 1978. Our aging housing stock has high instances of containing the heavy metal that our city was built upon. Lead-based paint was regulated in 1978, but as a legacy toxin, it is still found in many homes in our city, along with other deficiencies that come with aging structures. The City of Dubuque prioritizes affordable housing creation and providing financial assistance to property owners to maintain the quality of existing affordable housing. Commitment and Investment in Affordable Housing The Housing and Community Development (HCD) Department serves as the U.S. Department of Housing and Urban Development (HUD) Public Housing Authority (PHA)for the City of Dubuque. Dubuque is a Community Development Block Grant (CDBG) entitlement city and received $1,050,482 in FY2023 for housing and community development programs. Additional program income through the rehabilitation loans, bring the annual available total to approximately $1.4 million. The HCD Department continually applies for state and federal funds, and utilizes local funds to promote and fund quality, affordable housing. Some of our current grants include: - Lead Hazard Control and Healthy Homes: $4,000,000+ to address lead hazards and healthy homes deficiencies in pre-1978 housing with a focus on residences occupied by children under the age of 6. - Healthy Homes Production Grant: $2,000,000 to complete healthy homes interventions in 100 units - Older Adults Homes Modification Grant: $1,000,000 to provide interventions that allow adult homeowners over the age of 62 to safely age in place - Family Self-Sufficiency and Section 8 Housing Choice Voucher funds: Our PHA administers approximately 850 vouchers annually. - USDA Urban Agriculture and Innovative Production: $300,000 to increase access to local healthy foods in low-mod income food deserts, and pilot large-scale hydroponic growing systems. - IEDA CDBG-CV: $521,469 to aid efforts towards preventing, preparing for, and responding to the COVID-19 pandemic. The majority of this grant is going towards creating shelter for single fathers with children to be housed together. Additionally, $50,000 was allocated to credit repair programming for low to moderate-income families with a goal of homeownership, to provide education, one-on-one coaching, and financial counseling. - TBRA: We were notified in September 2023 that we received $55,000 in funding from IEDA to provide assistance for security deposits. With local match, a total of$85,000 in assistance will be distributed. - Local Housing Trust Fund: Average of$165,000 annually to provide down payment assistance to homebuyers in areas targeted for revitalization in the City. - Housing TIF: The City's local match for the Local Housing Trust Fund grants are matched by Housing TIF. - Community Development Block Grant Entitlement funds: An allocation of approximately $175,000 is annually put towards down payment assistance and rehabilitation for owner- occupied single-family structures and duplexes. Additional funding has been allocated from CDBG funds to support affordable housing, including: o $700,000 to support HVAC updates to a 32-unit low-income housing complex located in a historic district. o $300,000 to support elevator replacement and modernization in an 80-unit low-income housing complex. o $54,000 to support elevator modernization and bathroom renovation for ADA accessibility in a 30-unit low-income housing complex. Partnerships and Incentives The Housing & Community Development collaborates with the City departments of Health, Sustainability, Fire and Police, Leisure Services, Planning and Zoning, Equity and Human Rights, and the Office of Shared Prosperity and Neighborhood Services. Other community partners include the Community Foundation of Greater Dubuque (CFGD), Visiting Nurses Association (VNA), Crescent Community Health Center, Hawkeye Area Community Action Program (HACAP), lowa Department of Public Health (IDPH), Black Hills Energy, Alliant Energy, Catholic Charities of the Archdiocese of Dubuque, the Dubuque Community School District, and many more. The HCD Department works closely with developers in preparation of applications for IFA Low Income Housing Tax Credits. There are currently 23 low-income housing apartment communities offering 1,015 assisted units in Dubuque. There are 429 income-based apartments, where tenants of these units pay no more than 30% of their income towards rent and utilities. There are 586 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low-income households in Dubuque. The HCD Department also works with developers to utilize other existing tax credit programs, in addition to affordable housing projects. These credit programs include State of lowa Enterprise Zone Credits, State of lowa, and Federal Historic Rehabilitation Tax Credits. The City has established large areas of the downtown as both historic and urban revitalization districts. These designations assist owners with costs of rehabilitation and maintenance of older properties through eligibility for special grants and tax abatements. The urban renewal district was established in the downtown area to offer Tax Increment Financing (TIF), a capitalized low-interest loan pool for residential rehabilitation projects. The HCD Department is currently developing a strategy to utilize approximately $4.2 million of TIF funds over the next four years for acquisition/rehab/resale of blighted properties in the downtown area. The Washington Neighborhood is a City Historical Conservation District which means the Historic Preservation Commission reviews and approves/denies requests for demolition permits. A portion of the Washington Neighborhood, the Old Town Historic District, is listed in the National Register of Historic Places (NRHP). This is an honorary recognition and does not trigger any City reviews. However, listing in the NRHP does open- up the eligibility for State and Federal Historic Tax Credits for the listed properties and also requires Section 106 reviews if federal funds or permits are involved. The area around Steeple Square also is listed in the NRHP. Local Housing Trust Fund Advisory Committee Established and Independent In 1992, the City Council adopted a Housing Trust Fund ordinance to promote assistance for the housing needs of low and moderate-income households. The mission of the Housing Trust Fund, as stated in the ordinance, "collect and disburse revenue to meet the housing needs of low and moderate-income households." The Local Housing Trust Fund Advisory Committee (LHTFAC) meets publicly on a minimum biannual basis. Minutes of all meetings are recorded and kept at the HCD office. All meetings are held in compliance with lowa Open Meetings Law. A community-based board, it consists of five members appointed by the City Council. Presently, two members represent the Housing Commission. Three at-large members round out the LHTFAC; they are selected based on experience in real estate development, banking, finance, accounting, funds management or other related expertise. The LHTFAC is advisory to the City Council. However, for purposes of the IFA State Housing Trust Fund Allocation Plan, Dubuque's LHTFAC has the leqal authoritv to accept applications and to direct how all awarded funds are used. Funds received from the IFA State Housinq Trust Fund are maintained in a separate Citv account and are subiect solelv to the direction of the Housinq Trust Fund Committee. Geographic Area The geographic area for the operations of the Trust Fund is the corporate boundary of the City of Dubuque, with emphasis on the eligibility area outlined on the map in Appendix A. This area primarily encompasses the North End, Washington, and Point Neighborhoods in the City of Dubuque. These are neighborhoods with the oldest workforce housing structures, located in low-mod income census tracts and block groups. Dubuque's LHTF has received IFA grants in the amount of over$2.8 million to assist in a comprehensive downtown neighborhood revitalization project; approaching its twentieth year of operation in the Washington Neighborhood. The incredible investment in this area over the past two decades has increased homeownership, property values, neighborhood pride, and attracted further growth and development. The LHTFAC members have recognized the benefit that this investment has created and identified other areas of the city adjacent to the Washington Neighborhood that could also benefit. Therefore, the new service area will be expanded to include the areas referenced above, and show in the map in Appendix A. This area will retroactively become the service area for all open IFA grants at the time of the adoption of this HAP. The LHTFAC and HCD staff work closely with the network of for-profit and non-profit housing and supportive service providers in the City. Since 1992, these agencies, along with the City, have received approximately nearly $6 million in grants from the Trust Fund for a variety of housing-related activities. These have included: • Construction of two single room occupancy (SRO)facilities for homeless and low-income men, totaling thirty-five rooms. • Construction of five in-fill condominium homes for first-time homebuyer low-income families. • Conversion of a convent into the Maria House; a transitional housing facility for homeless women with children. • Rehab assistance for the Dubuque Community YWCA Domestic Violence Shelter, the Center for Public Ministry's SRO facility, the Stepping Stone Halfway House for recovering substance abusers and the Dubuque Rescue Mission. • Grants to Dubuque Housing Initiative/Mercy Housing Midwest and the Gateways to Home CHDO for purchase of permanently affordable rental housing. • IJOB award of$240,000 for the Historic Washington Row Houses (six units). Of this capitalization, the City of Dubuque has contributed over$900,000 in CDBG funds. Other funding sources have included the Des Moines Federal Home Loan Bank ($680,000) and IEDA's Local Housing Assistance Program ($900,000). In 2004, the Trust Fund successfully applied to IFA's State Housing Trust Fund for a $100,000 grant for the HEART Program. This was matched by more than $175,000 in contributions from the McKesson Foundation, the Dubuque Racing Association, the City's Community Partnership Program, and HCD Department funds. Our partners in this project included the Four Mounds Foundation, the Four Oaks Social Services Agency and the Dubuque Community School District. The current vehicle for financial assistance is 0% interest loans; incentives and monthly loan payment depends on gross income of household. All loans are secured by real estate mortgages, usually subordinate to private lender financing. Maximum incomes of end-users of the funds cannot exceed income limits as periodically published by IFA. Exceptions to these guidelines can be made by the LHTFAC at the recommendation of City staff. Overall Goals and Objectives of the Local Housing Trust Fund Target populations include: 1. Homeless persons and families 2. Emergency shelter or transitional housing 3. Housing for disabled persons 4. Service-supported, short or long-term housing 5. Direct assistance to non-profit owners/developers providing long-term affordable housing 6. Home purchase and rehabilitation or rental unit rehabilitation Eligible applicants, within the SHTF requirements, include all for-profit and non-profit developers, housing agencies, other housing sponsors, joint ventures and individual property owners. Eligible projects include: 1. acquisition of developable sites, demolition/deconstruction, site development and infrastructure installation costs 2. rehabilitation of multi-family rental properties 3. transfer of structures to other sites 4. financing the rehabilitation of buildings for conversion to residential use 5. acquisition, rehabilitation and resale of homeowner properties 6. home purchase 7. rehabilitation of homeowner and rental properties 8. provision of supportive services as part of a housing project 9. such other projects which address program goals and objectives All assisted housing must remain affordable to low and moderate-income people for a minimum term of 20 years. Dubuque's Continuum of Care Housing Provider Network Dubuque has an active Homeless Advisory Committee comprised of more than 25 local housing and supportive service agencies. It is facilitated by Dubuque County. They meet regularly to identify and respond to the needs of Dubuque's homeless population. The Continuum of Care programs in Dubuque are offered through: Permanent Supportive Housing: Phoenix Housing, Special Needs Assistance Program —SNAP, City of Dubuque, and the Hillcrest Supportive Housing Program through Hillcrest Family Services. 1. Emergency Shelters Dubuque Rescue Mission - twenty-four rooms of emergency shelter for men. St. John's Guest House, opened in January 2013 - provides twelve additional emergency shelter beds for single men, since often the Dubuque Rescue Mission is full. Dubuque Community YWCA Domestic Violence Shelter- shelter for fifteen women with children. Hillcrest Family Services - emergency teen shelter at the Julien Care Facility with twenty-three beds. Hillcrest also operates a four-bed child emergency shelter. The Teresa Shelter-for women with children provides thirty beds for both emergency and transitional housing. It is owned and operated by Maria House/Opening Doors. 2. Transitional Housing The Dubuque Rescue Mission can commit up to twelve of its emergency beds for longer stays for men only; residents participate in a structured work program. Maria House - shelter for twenty-four women with children. Maria House/Opening Doors provides transitional housing. Staff works closely with the residents to set developmental goals and create strategies to achieve them. Existing community resources are utilized for job training, education, employment, individual and family counseling plus access to safe, affordable, permanent housing. Hillcrest Family Services - two five-bed group homes for chronically mentally ill adults. Their Family Empowerment program offers supervised apartment living for three families or fifteen beds. Hillcrest Teen Residential Program operates five group homes that house sixty-four beds and include an on-campus school. Hillcrest Family Services receives a Continuum of Care grant for operation of five transitional housing apartments for families. Hopes Project/Hillcrest Family Services provides transitional housing to homeless families. Family apartments are provided in a safe and secure location with supportive services and 24-hour available supervision. Almost Home —a new shelter to address homeless fathers with children. Once all the units are open, they expect to house 12-15 families per year. Almost Home will work to help the fathers find stable employment at a living wage and permanent housing. 3. Permanent Housing The privately-owned Davis Place has 75 single room occupancy units for homeless and low- income men. Manasseh House, a 19-room SRO for homeless and low-income women, opened in 2007. It was assisted with a $680,000 HOME program grant to a private developer. Manasseh House/Operation Empower provides supportive services to low/moderate income women in single room occupancy (SRO) housing. The Operation Empower Program seeks to empower women through housing, education, and employment while offering a variety of services to enable them to succeed. In 2019, Manasseh House/Operation Empower received $2.7 million from the lowa Finance Authority and $300,000 from the City and County for the Liberty Recovery Center and construction of 24 one-bedroom units. The Center will focus on people suffering from a variety of substance use disorders. Project is scheduled to be completed February 2021. A similar HOME-assisted facility, Salvia House, was completed in 2010 and leases up 18 rooms. The Housing Department administers HUD funding for 850 housing choice vouchers. In addition, seven privately-contracted HUD residential projects in the City offer rental assistance to another 435 households. The City of Dubuque is mandated to have a rental inspections program per state law. Dubuque enforces the International Property Maintenance Code and all 11,000+ units in the City are inspected on a 5-year cycle. 4. Homeownership The Housing Department administers several homeownership assistance programs annually funded through the CDBG entitlement, lowa Finance Authority (IFA) and Tax Increment Financing (TIF). All major area lenders mutually participate with the City in these efforts. The City also exercises the right to petition for properties that are abandoned. When these properties are acquired, they are assessed for viability for rehabilitation. Options for bringing these properties back online include working with Affordable Housing Network Inc., selling the property on the open market, seeking proposals from developers to renovate the home, or requesting proposals for the City to make the repairs. In extreme cases, these structures will be deconstructed and new homes will be constructed on the infill lots. All new or renovated homes are required to be sold to low-moderate income individuals and a covenant is placed on the property that it must remain owner-occupied for twenty years. Housing Needs Statistics below were obtained from: The 2020 Decennial Census; United States Census 2019 Quick Facts for Dubuque, World Populations Review for Dubuque; Out of Reach 2020/National Low-Income Housing Coalition and Final Reports- lowa State Profiles. These statistics show the following are housing and community development issues. 1. Special Needs Populations The disabled population (under age 65 years) of is 9.1% of the City's total. The average SSDI amount is $1,277 per month. This averages out to be $7.37 per hour. In lowa, a minimum wage worker earns an hourly wage of$7.25 per hour. In 2022 the Fair Market Rent (FMR) in Dubuque for a two-bedroom apartment is $834. Housing should be approximately 30% of a household's monthly income. For a household to afford a two- bedroom unit, plus utilities, the household would have to earn $2,780 monthly, assuming a 40- hour work week, 52 weeks per year. This calculates out to $16.03 per hour. This means that at minimum wage a person would have to work 2.1 full time jobs to afford a two-bedroom rental unit. 2. Non-White Population Growth/Income Disparitv The non-white population consists of Black or African-American (2,452); Hispanic or Latino (1,300); Asian (856); Native Hawaiian and Pacific Islander (545); American Indian (156) and Two or More Races (1,775). Recent studies show that the non-white population continues to grow, although the overall numbers appear small, given income distributions, the need for affordable housing is high. Income statistics for all residents for 2022 are: City-wide, the average median income is $54,938. The percentage of persons in poverty living in Dubuque is 13.2°/o. Poverty level statistics for Black or African American residents is 1,530; Hispanic or Latino residents is 323: Asian residents is 127 and Native Hawaiian and Pacific Islander is 288; American Indian 27 and Two or More Races 216. The poverty rate for the State of lowa is lower at 11.45%. One out of every three lowa residents live in poverty. Dubuque is higher than the state across all races. 3. Aqe of Housinq/Incidence of Lead Paint Dubuque's housing stock is among the oldest in lowa, there is no question that lead paint is rampant within the City. Over 80% of residential properties in the City of Dubuque were constructed before 1978; the year lead paint was banned from residential use. This aged housing is expensive to maintain and rehabilitate, less energy-efficient and more-costly to renter occupants. Of the total units built before 1978, there are approximately 1,500 residential properties that have been made lead safe to date by the City's Lead and Healthy Homes Programs. 4. Aqe of Population Median age of Dubuque's population is 37.3. 34.7 years for males and 39.4 for females. The State median age overall is 38, however the median age for the U.S. is 38.2 years. 17.1% of lowa's population is 65 years or older compared to 19% locally. 5. Rental Unit Supplv There are approximately 27,414 housing units in the City of Dubuque, of those, 25,127 (92.5%) are occupied, leaving 2,047 (7.5%) units vacant. 64.2% are owner-occupied and 35.8% are rentals. Three or more bedroom units make up 57.29% of the housing units available city-wide. Housing units with 2 bedrooms or less make up 42.71% of the availability city-wide. The median gross rent is $791 per month. Units with rent amounts ranging from $500-999 is 58.93%. Rental units under $500 account for 19.48% of the rental units in the City. 6. Rent Inflation Median gross rent paid shows an increase for 2020 in the City of Dubuque ($791); Dubuque County ($783) the State of lowa ($789); and the U.S. ($1,063). 7. Housinq Cost-Burdens for Homeowners and Renters Housing cost burden is by far the most prevalent problem for owned and rented households alike. The City has taken significant strides in the areas of equity and inclusion. Working with Inclusive Dubuque, the City completed an Equity Profile focused on identifying needs of various populations. The equity profile for housing demonstrated many of the lowest income households experience the most severe housing problems, and those problems disproportionately impact renters. Much of the City's historic housing stock is in the downtown. Several units are in mixed-use structures, with vacant store fronts on the first floor and deteriorated housing on the upper floors. The City is working to develop a rental rehabilitation program to address the poor housing conditions in this area, in conjunction with efforts to revitalize owner occupied, local businesses, and infrastructure in the Central Avenue Corridor. The housing needs are most prevalent among the below 30% AMI households, as they are at greater risk for losing housing due to severe housing cost burden. 8. Population in Povertv Poverty has increased in Dubuque and the State of lowa. While African-Americans and Hispanics residing in Dubuque are earning incomes below the poverty level, estimates are well over 50°/o for these two groups living in poverty. The overall amount of households living below poverty level is 16%; households at or above poverty is 84%. 9. Housinq Demand Proiections - 2022 Dubuque's population is 57,696 persons. The average people per household size projection is 2.3 persons. The city of Dubuque has a total of 27,174 housing units in Dubuque and a vacancy rate of 7.5%. Proposed Activities For FY24, the proposed activities are: 1. Continue to offer down payment assistance loans to homebuyers. As the most impactful wealth-building asset, homeownership is a goal held by many, but one of the barriers to securing an affordable home is the down payment and costs associated with purchasing and closing on a loan. Maximum amount of assistance is $25,000. 2. Continue to offer homeowner rehabilitation loans to homeowners. The aging housing stock in Dubuque often presents challenges to low-moderate income homeowners when it comes to repairs that are beyond routine maintenance. Increased material costs and contractor scarcity has also driven prices upward over the last four years. Assistance cannot exceed $25,000 without approval from LTHFAC majority, and informal concurrence via e-mail is acceptable documentation for approvals. For both of these loans, the maximum loan amount and terms will be determined by the eligibility income of the household. All loans are 0% interest; payments are scaled based on income. There are no penalties for early payments. All loans are secured by real estate mortgages, usually subordinate to private lender financing. Maximum incomes of end-users of the funds cannot exceed income limits as periodically published by IFA. Exceptions to these guidelines can be made by the LHTFAC at the recommendation of City staff. (guidelines for existing programs are attached to the application documents) 3. Low-Income Housing Creation on Infill Lots. The City of Dubuque currently owns vacant lots in connected areas of the city that are prime for new construction. Homes built on these lots are generally required to match the profile of the neighborhood. Dubuque has been fortunate to attract developers creating affordable housing on larger parcels of developable land, but the need for low-income housing in areas near bus routes, within walking distance of schools and grocery stores, and proximal to other amenities is still greatly needed. Constructing small-footprint homes with efficient use of space, efficient systems, and tight envelopes is a way to provide truly affordable housing to low- and moderate-income households. Minimizing construction costs will make these homes more affordable and will cycle more dollars back into the Fund by taking a smaller net loss on the sale of the home. Keeping utility bills low will allow occupants to put those saved dollars towards other needs. Having a brand new home will minimize the "big ticket" expenses that are inevitable when purchasing an existing structure. �F9o�lAA�B � , ♦ LIBERTY AYE �� N /� 9L o � C J�� s / 9 \C�SS � �G� ` � A O�v�e � J'� y9�ly�9NF�n , � / � ` • � • ` i EDITH ST C ��,��OS� � 0'NEILLST N Q � \ �'• �f GROVELANU PL 2 �� GOETHE ST i ,` Q� w3�N0 ST `�c<"y �9Oys,� �G�OF, LAWTHER ST ��5 Q�� o��F�FlT ��9 t�S� ��'s'�q�� ysi ce� �� ^�o lqG �,'�° sf Fs�. JSsst n ��, y9�� f� msf F ��5� � S.��a y �0�2� UoNST �O S �ti9 � A,y 9Gy� 9sr �? ai o`�� f 990 c Q`"� E.SS S�2 yy sf �sf ��Q �`��oe y � c� oA`�yA�9 E.ti��SS G��ysr � o MAPLEW�OD lsl t ��H �,`'� �U�C9li W 285HS� �,'L��S P `� EAGLEs� � ANNsI Q / �Q�S yy, c y ¢ �o F� m Q`' . BERNLEY PL eQ �y�'F'rl�.ti6��S� /y9� � �'O� � MEB1St = ,`Y`��~f,AA FFN�Q,� KANE Si m ¢ � c o f ! ` � y2�, �' ,o � �� YST � T �. � 9�'¢ y yq 'rl' yv `�o ✓`�, �O 9'�.n � � �f �9 I FGlroy�l �990� �tiyt�s� �si HU�jeo`oT � ri ,c�, sT �f GREVHOUND pqRK RD HAUFMANN AVE Etia��s� O �Qc,Q � � h o�� / 151 61 o Qz W�ry� �0 i �S�oQ � Dq��,A,AST ` � ��PQ��Gt QS�� `�GQ y ` yl r �Q i v�'Q OQ MONTCRESTST � � � P� S 4�, 9` � o� `'��, _ � � � � � � 3 LOWELLST �[/NSENBERGTER � �t�s� ` �,6��s 0 3 9�'. �'� ��9�NSt �n � � CLARHE DR '` E,e.��St C � � ik p ` � E��SNS�f t l ALMON�ST �q�� ,,.^ O I^ �� W LOCUST Si "V�� . OS'l �oy�r y �E 505� l, V� �1�jN5� t �\Q��O� � ` F �` � � y �� , pOGE��pS� ��tHSS 3 N S` � ��AZ�Sj � � J N z ZNS g � o w`� `�` �3'(�SS -- � �6SNS� m ! E S� � � { +i `N O �tit� � 5 p�Ep�� 99i � � \3t0� E E,��j� r� � � � AOSEO c�� 9�f �'��ps��vo G�,�,��1t�s� �,�j�tH � f / �' City of Dubuque THE ciTY oF Housing & Community Development DT T� � „� Department U 350 W. 6th Street, Suite 312 Master iece on the Mississi Z EOPPORTUNITY Dubuque, IA 52001 p p� Office (563) 589-4239 Timeline of Fund Activity Anticipating the IFA Board approval of applications in December 2023 and execution of contracts in January 2024, continuation of Housing Trust Fund activities in Dubuque's targeted areas funded through the FY2024 Trust Fund grant will commence in June 2024. This is due to the existing balance of FY2023 funds to expend first. December 2024: 25% of the requested FY24 SHTF funds will be loaned to income- qualifying families. June 2025: 50% of funds will be expended December 2025: All funds will be expended \ IOWA FINANCE ,;:,;,_��-,o; ,- Local Housing Trust Fund Program Application Certification ACKNOWLEDGMENT, AUTWORIZATfON, CERTIFICATION AND RELEASE I certify that the Applicant possesses legal authority to submit this proposal; that a resalutian, motion, or 5imilar action has been duly adopted or passed as an official act of the Applicant's governing entity authorizing the submittal of this proposal, including all acknowledgements, assurances, representations contained herein, and directing and authorizing the person signing �elow to act in connection with the applicatian and to pro�ide additional information as may be required. I acknowledge that i ha�e read and understand the application rnaterials and adrnini5trati�e rules. I certify that the Applicant wiEl com}�ly with all applicable federal, state, and local laws and regulations in completin� and aperating the pragram, including, without limitation, and if applicaf�le, local zoning laws and codes, fair hausing laws and lacal housing plans. Per lowa law, the Applicant covenants that, at no tirne since May �0, 2021, has it or any subgrantee required a customer, patron, client, patient, or other person invited anta the premises of the establishment ta pro�ide proof that the person has received a �accination for COVID-19 prior to entering the establishment. I und�rstand that all informatian submitted and generated during the application and negotiation process becomes a public record under lowa's Open Records Law (lowa Code Chapter z2}, unless (1) the infarmation automatically belongs to a statutory class of confidential recards, or (2j the Applicant has applied for and recei�ed written notice from the lowa Finance Authority that such information falls within an exemption to the Open Records Law and will be treated as confidential. I certify that all Applicant's representatiorts, warranties, or statements made or furnished in connection with this application are true and carrect in all rnateriaf respects. I ur�derstand that it is a criminal �i�lation under lowa law to engage in deception and knowingly make, or cau5e to be made, directly or indirectly, a false statement in writing for the purpose of procuring assistance from a state agency or subdi�ision. I �urther understand that the lowa Finance Authority reser�es the right to deny funding to the Applicant if it has failed to comply with program requirements +n the aciministratian af any pre�ious project funded through one of lowa Finance Authority's programs. :.. � ...• •. •� e � • • \ � , . i�awa �i�,nNc:F -. _ _ .� . . _ �,. The Applicant hereby releases, acquits and fore�er discharges the Sta�e of lowa, the lowa Finance Authority, its officers, directors, employees and agents from ar�y and all liability whatsoe�er, including all claims, demands and causes of action of e�ery nature and kind affecting the Applicant that it may have or ever claim to have relating to information, data, opinions, and references obtained by the lowa Finance Autharity in the e�aluation and possible sefection of Applicant in response to this application. The Applicant hereby authorizes the lowa Finance Authority to obtain information regarding its performance an other contracts, agreements or other business arrangernents, its business reputa�ion, and any other matter material to the e�aluation and selection of Applicant's praposal. It authorizes the Eowa Finance Authority to research Appiicant's history, perform credit checks, contact Applicant's financial institutions, insurance carriers, references, former and current clien�s, and perform other related acti�ities necessary for reasonable e�aluation of this proposal. The Applicant further authorfzes any and all persons, entities to provide fhe lowa Finance AuChority infarmation, data, and opinions with regard to the Applicant's performance under any cantract, agreement, or other business arrangement; ability to perform; 6usiness reputation; and any other matter material to the evaluation of the Applicant. The Applicant hereby releases, acquits and fore�er discharges any such person or entity and their officers, directors, employees and agents from any and all liability whatsoe��r, including all claims, derrtands and causes of action of every nature and kir�d affecting the Applicant that it may ha�e or e�er claim to have relating to information, data, opinions, and references supplied to the lowa Finance Autharity in the e�aluation and }aossible seiection of Applicant in response to this application. A PHOTQCQPY, FACSIMILE OR EMAIL OF THIS SIGNED AUTHORIZATION 1S AS VALI� AS AN ORIGINAL. Applicant's Name: City of Dubuq Housing Trust Fund �/ ./�� f,. Sig�aty.r� Print Name: James Holz Title: Chair, Nousing Trust Fund Ad�isory Committee Date: 9/12/2023 _ - = - �:�._�., � -- - :�• - � ti.�. •. � Dubuque THE CTTY OF � hll•Ameri�Ciry D�B E i� .,��r il 2007�2012+�2013 Masterpiece on the Mississippi zoi�*zoi9 lowa Finance Authority 1963 Bell Ave, Suite 200 Des Moines, IA 50315 Dear IFA Board of Directors, The City of Dubuque has committed $53,169 of Greater powntown TIF funding as the match for the Local Housing Trust Fund application for 2024. This commitment was approved with the City's FY24 budget that was passed in March 2023 via the attached resolution. The funding will continue to be allocated and reserved for the purpose of local match for the Local Housing Trust Fund. Thank yau, �L►'s1 ic asl Van Milligen City Manager Prepared bv Finance Qepartment; Address:.City F-iall, 5D W. 13�h Skr�et:Telephone: 589-�1398 RESOLUTION NO. 77-23 ADOPTING THE CITY OF DUBUQUE F[VE YEAR GAPITAL EMPROVEMENT PROGRAM WHEREAS, a recommended five-year Capital Improv�men� Program for the period beginnir�g Jufy 1, 2023, and ending June 30, 2028, for the City of Dubuque has been prepared and submitted to the City Council; and WHEREAS, the five-year Capital amproverr7ent Program describes specific capital imp�ovement projec�s, pravides �stimated costs for those projects, proposes saurces of funds for each of them, and schedules the year during whech each Project will be underkaken; and WHEREAS, the capital improvemerrt projects far the fiirst year are included in �h� Fiscal Year 2024 budget for the City of Dubuque; and WHEREAS, �he fi�e-year Capital lmpro�ement Program will be reconsidered annually by the City Co�ncil and appropriately revised; and WHEREAS, the adoptian of the five-yea� Capital Improvemer�t Program is a prudent measur� to provide continuity of programs and is in the best interest of the City of C7ubuque. NOW THEREFORE, BE IT RESOLVED BY THE CITY C4UNCIL OF THE CITY O� DUBUQUE, IOWA: Sectian 1. Tha# the five-year Capital Improvement Program for the periad beginning July 1, 2�23, set aut in the F�scal Year 2024-�028 Recommended Capital Improvement Budget, is hereby approved and adopted as allocation of Cifiy resources for capital improvements as scheduled in the years shown, s�abject ta annual revEew and re�isiot�. Passed, approved and adopted this 23rd day of March 2CJ23. �� i�"��-r�.�� Brad M. Ca�a��iagh, Mayor Attest: j�' �� n � ��r!'��,�in� ,'"� r`�Or.�.f./�^�.%�c� '�� Adrienne N. Breitfelder, City Clerk