[music] Six H board meeting. Um first item is the approval of the agenda. Are there any edits or changes? No. Hearing none. Uh may I have a motion to approve the agenda? >> So moved. >> Moved by Commissioner Robertson. >> Second. >> Second by Commissioner Carter. And since we have one board member attending um remotely, we need to do a roll call vote. We have Commissioner Dolinger through WebEx. So, Commissioner Dolinger >> I have to. >> Commissioner Robertson >> I >> Commissioner Carter >> I >> Commissioner Wooden >> I >> Chair Mueller >> I motion passes five to zero. Um, next item is the consent business and the only consent item is the May 12th, 2026 um, meeting minutes. Would anyone like to pull this for discussion? Hearing none, then I need a motion to approve the consent items. >> So moved. >> Moved by Commissioner Robertson. >> Second, >> and second by Commissioner Wooten. May we have the roll call vote? via WebEx. Commissioner Dolinger. >> Hi, >> Commissioner Robertson. >> I >> Commissioner Carter >> I. >> Commissioner Wooden. >> Hi, >> Chair Mueller. >> I Sorry, that's me. Motion passes five to zero. All right. Uh next uh under organizational business, June is uh national home ownership month. Did you want to say any words before I read the proclamation? Okay, then I am going to go ahead and read the city of Bloomington proclamation of home ownership month for June 2026. Whereas in 1995, National Home Ownership Week began as a strategy of President William Clinton's administration to increase home ownership across the nation. And whereas in 2002, President George W. Bush expanded the observance to the entire month of June. And whereas home ownership is a major source of generational wealth for many Americans and is an essential part of the American dream. And whereas during home ownership month, we recognize the value that owning a home brings to individuals, households, and communities across America. And whereas by observing home ownership month, we acknowledge the importance of housing, whether owning, renting, or aspiring to own and rent or rent. And whereas through the housing and redevelopment authority in and for the city of Bloomington known as HRA, current residents and those desiring to become residents can access resources in housing stability and pathways to home ownership. Whereas each year and throughout the year, we will foster home ownership creation and preservation opportunities in the city of Bloomington. Therefore, I HR Chair Jennifer Mueller do hereby proclaim June 2026 as home ownership month in Bloomington, Minnesota. All right. And now we are on to new business. So item 5.1 development agree when without law development may we have the staff report All right. All right. Good evening, chair and commissioners. My name is Sarah, H administrator here to present on this item. We also have the development team here with us this evening. Uh I felt like we needed a round of applause after that proclamation. So, it's exciting to have an item so relevant to home ownership following that. So, um here I will go ahead and walk through the proposed development project. Uh just some background here. This is part of the Bloomington affordable home ownership program. This was launched in 2024 when we secured a significant grant from Minnesota Housing totaling 3.2 to develop 27 small-cale properties. Uh in 2025, we've seen some of these development projects get underway. We have four properties under contract with Habitat, two are under construction, um a couple properties under contract with Magnolia Homes, and then these two properties which are under contract with Outlaw Development. And so the actions uh previously relating to this site or these two sites, there was a selection of this developer in November 2025 following a an RFP and then a a request for proposals and then the purchase agreement was approved in February. So we are now coming we've been working on the securing funding sources and working on the development gap and so uh now we are coming with a development agreement. Just a quick overview. Goals of the Bloomington Affordable Home Ownership Program. There are many. Um it provides affordable home ownership opportunities for families. Of course, first and foremost, these particular homes will be restricted to families making at or below 80% of the area median income. Um there's also some other uh goals including removing we had some properties. Blighted home is slightly old outdated language. Um it's formal language that's included in community develop development block grant um funding. And so some of these properties were acquired with CDBG funds. So there's recognition of that goal in this language. Um it also brings some vacant properties back into the tax roles generating taxes for the city. Um these these units are accessible. They have accessibility requirements from the state of Minnesota. And also especially for these two sites, they're pretty they're small infill sites. They're not surrounded by a lot of empty land. Some of these sites can be really hard to develop or won't be developed in the private market without public support. All right, so here's some information about the project. There are two sites, each one with one detached single family home. Again, they're smaller sites, so these can fit um only one home. Approximately 700,700 square ft, which is fairly standard size home. Um main level bedroom and bathroom with a basement with three bedrooms. The homes are designed to fit into the existing neighborhood. So, it is uh embedded in an existing single family home neighborhood. Includes some amenities, attached garage, finished basement, great room, mudroom. And here's the uh closeup of the sites. So, you can see that they're really embedded in these neighborhoods with a lot of comparable single family homes. And here is I apologize I blew this one up and it was a little bit blurry but these are concept elevations not necessarily a drawing of exactly what the house will look like but some concepts that the developer outlaw development has used for um similar development projects. Okay, which brings us to the funding. Um so we all know we've seen gaps continuing to rise, we've seen costs continuing to rise. A couple key contributing factors there, labor costs, uh prevailing wage also, especially for small contractors, there is an increased administrative requirement to be tracking every single payroll and submitting um tracking for that. Uh the cost of capital basically meaning interest rates have increased, material costs have increased. We're seeing cost increases across the board. So um both both outlaw development and the HR we have partnered together to look at um funding sources that can fill the gap that's generated. Um so of course impact fund this is what launched this program and this is a pretty significant source of funding for this project. They also applied for and received funds from Henipin County in the amount of 100,000 per site which was very exciting to hear just in the last couple of weeks. Um, and then another source is the sales price. So, because these are restricted for they're capped basically in the sales price. Um, that's what generates the gap. You you're essentially selling them for less than you're building them for. So, we're funding the gap in between. And then, uh, what is the HRA contribution? So, the HA already owns the land. The property was acquired in 2023. And so, we are issuing a or the proposal is to issue a land write down for the developer. And then um either so one home uses LAHA local affordable housing aid dollars and the other property uses local housing trust fund which is also a state grant that we've received all in applying for funds for this project. Okay. And here is a uh sources and uses. Um so you can see here construction costs are the largest percentage of the costs as is typical. A lot of these are fairly um standard in the industry. Developer fee at 8% is a standard developer fee. You can see the purchase price is written down there to $1. There are some contingency funds which is about I think it was around 3 or 5% of the total. Oh, 4%. It's right there. 4% of the total cost. And then there are other soft costs. So these costs include things like getting financing, selling the property, um architecture and design, those types of things. and in and around 13 I would say 10 to 15 even up to 20% in some cases is um fairly standard for these homes. So you can see here the total cost is significant to build a single family home. And so that's why we're trying to seek all of these different funding sources. And so here's how we're proposing to fill the gap. You can see sales proceeds there. Um these are 2026 numbers. So, it is possible in 2027 this might actually increase a little bit because those numbers tend to update a little bit per year. These are our Minnesota housing impact funds um which are designated to the grant. That's the grant from this or to the project. It's the grant from the state Henipin County Home Assistant Fund. And then you can see here just in order to minimize the number of sources for each project, we've committed or or the proposal is to commit 75,000 for each property, but they're from different sources. So one is from Laha um which is uh the target is to serve families at at or below 80% AMI and then the other is this local housing trust fund. So there are comparable funding stacks. We're just using different sources. Okay. And then key terms of the development agreement. It spells out the financial contribution and uh includes in there uh the the Henipin County funds are granted directly to the developer. The impact funds are through the city, but it kind of spells all that out. Requires the uh developer to meet all grant reporting and requirements. So some of those from the state are visitability which is a fancy state word for accessibility um prevailing wage requirements and then the income restriction. Uh the H assistance is structured as a deferred loan. Um there is a uh look back provision which basically means that if the costs come back less than what the developer has estimated in these sources and uses then the HA would receive a repayment of any excess funds that were not needed for a gap. Um, it also includes duties of the developer which include u finding a buyer, constructing the home, securing financing, and then there is a 30-year rental restriction and affordability sale covenant which basically goes to ensure that the property is occupied by a a homeowner and that it stays affordable at sale for 30 years. Okay. And then I'll also say, you know, we note that the the gaps are high, especially for single family homes. And so what does this mean for our larger program? So we started to think about, you know, how can we apply these learnings to future projects, most notably St. Marks because that's a large project with a number of different developments. And so um one option is to bring before the board a new a or a slightly revised design for St. Marks. Not greatly increasing the density, but instead of single family homes, perhaps some demonstration projects for the newly passed missing middle ordinance, which would be an innovative use. um probably one of the first uses of some of these missing middle um flexibilities that we have now recently. And so we could do things like duplexes or triplexes. And so we're kind of looking at what options the site has to offer that might allow us to do a little bit of a redesign and lower the gaps and do some innovative um creative projects. And then continuing securing sources. I think one thing we've also learned through this process of securing these different funding is that development projects, especially in the suburbs at 80% AMI, these are highly affordable suburban projects and so they're very competitive for funding. And so we've been receiving um significant grant resources and we expect to continue applying and hope to continue receiving additional resources. Then there is also other options. Innovation in construction modular um you know it modular is difficult to make work for a single family home because there's still connectivities that need to happen on the site and so you know for a standalone site you're really look the modular construction gives you economies of scale which don't exist for a single family home and so um but there may be some options at the St. work site and then exploration of increasing scale of projects which is you know in line of some of those same um concepts. All right, next steps and anticipated timeline. Um, if approved by the H tonight, then the goal will be to close on the lots with the developer in July, um, and complete the bidding process for construction, begin construction fairly soon with a goal of having construction completed early to mid next year, um, and then having occupancy by middle of next year. Okay. And then this is just a note. Um, I know there's questions around how much LAAHA funding have we committed? Where do where do we stand with LAHA resources available? And so these are these are confirmed dollar amounts that have been approved by the HA and the city council. So you can see the emergency rental assistance was there, the heights, this project is the last one down there, outlaw development. Um, and we have the proposed down payment assistance which is the next item. And then it's a little cut off there, but the South View Estates rehab project also had a commitment of Laha. Um, and where does this put us for the overall dollars that we've received? So, we anticipate about 1.4 million annually or so for 2025 and 26, the 2024 amount was slightly lower. And so, yes, thank you very much. Um so you can see with these commitments where we are with um according to the the categories of spending that were approved which are affordable home ownership and affordable housing development and preservation. Um how much we have left in each of these categories. So there's still significant balance left for LAAHA. Um and we're also moving forward with spending with some some projects. We have a couple other projects still in consideration. We would anticipate um bringing forward additional proposals to use LAHA dollars for the Bloomington affordable home ownership program. We also talked about the Wixen development project at the last meeting. Um so these are dollar amounts are not confirmed and so I haven't assigned dollar amount amounts here. Um but we're also working with a couple of other projects that may be a good match for for LAA funds but still assessing eligibility and things like that. Oh. Oh, I'm so sorry. Uh, this is the Well, I will leave it here and ask for any questions. I think I've put the wrong motion on the slide. I'm so sorry about that. Um, but yeah, I am here and the developer is also here to answer any questions. >> Questions? Commissioner Wooten, >> I have I have a couple. First off, is it possible to get a copy of the summary because I don't think it was in our packet. >> Yes. >> So, it' be good. Um can you share with us the effects of prevailing wage on projects that are is um um small disease? >> Yeah, I might ask the developers in in the details of this much more than me. So I might ask them to talk about that a little bit more. >> Uh thank you commissioners. Uh Sean Divine with Outlaw Development. Um prevailing wage um as a a whole number uh increases uh construction costs by 25 to 40%. Um it's due to the fact that um there is a sign as as Sarah uh alluded to, there's significant um reporting requirements that for our smaller general contractors um take up quite a bit of their time. Um and it also limits the pool of subcontractors that um have experience dealing with prevailing wage and can report accordingly. Um I I did want to comment on um Sarah had alluded to the fact of uh of exploring other uh types of construction for the St. Mark's site. Um, one advantage that, um, modular housing does have is those are built offsite. So, um, they're not, from my understanding, they're not restricted to the prevailing weight. So, you can kind of build offsite in a factory and then um, place and construct on site. So, um, we've looked into a lot of modular, uh, companies. There's several in Minnesota. Um, we haven't quite found the project that works out for it. Um, because of the there's an extreme lead time because of these uh, modular units are constructed in a factory and a lot of times the larger apartment buildings take precedent over smaller infill projects. Um, but with um Devin George's um Minneapolis location um coming online, I think that could be something for the city of Bloomington to explore. Sorry, I kind of went off on a tangent, but [laughter] >> appreciate that. Thank you. >> Did you have a second question? >> No, I got the one I wanted. Okay. Other questions, comments? Okay. Well, then we need the Do you have the motion language? >> Okay. On top there. Okay. So, may I have a motion to approve our resolution approving GAP assistance and a contract for private development with Outlaw Development LLC of property located at 8313 Blazedale Avenue South and 1210 West 82nd Street in the city of Bloomington. >> So, move. >> Moved by Commissioner Wooten. >> Second. Second by Commissioner Robertson. May we have the roll call vote. >> Via WebEx. Commissioner Dolinger. >> I. >> Commissioner Robertson. >> I. >> Commissioner Carter. >> Hi. >> Commissioner Wooden. >> I. >> Chair Mueller. >> I. So motion passes. 5. Next item 5.2 down payment assistance agreement with Habitat for Humanity. May we have the staff report. All right. I'm glad for the presentation turnover because it gave me a moment to grab my water. So, okay. All right. Okay. Some background on this project as well. So, um, this is a contract for down payment assistance with HA Twin Cities Habitat for Humanity Lending, also known with a very long acronym as TCHFH lending. Um, and the HA. So, this this program has been under discussion since 2023. Um, there was anou, a memorandum of understanding approved in December 2023. And so Habitat Habitat has been continuing to work on this program in anticipating is issuing loans in anticipation of a formal contract. So that is the action before the board tonight and that is to approve the formal contract and also the use of local affordable housing aid or LAA for this purpose. Also just want to acknowledge the history of this particular item which is that it is one of those the HA has a goal and a mission of serving those most marginalized through all of its programs and um we are also in an environment with some changing federal guidelines and so this is an example of a program that has been uh adjusted and broadened in order to fulfill those federal requirements. Okay. So why LAHA? Um there's a couple reasons why LAAHA is being proposed for this contract. It's a good match for the use. Um it's an ongoing use. We do anticipate that annual um infusion of LAAHA dollars um from the state and uh the H and city council approved this 50/50 split. So this clearly follows into the affordable home ownership category. We've been considering using down payment assistance for this use in uh previous action items before the HR and the city council. This was identified as a potential use for these funds. Um the eligibility aligns including the income requirements. So LAA requires us to prioritize um families at 80% or below uh area median income or AMI for home ownership projects. uh it does allow us to go up to 115% of AMI but the required prioritization is 80%. Um and so and Habitat's program also is tailored for um folks at 80% AMI. Um it also has been a good gap resource. So as you can see from the previous item and some of the projects that we've identified to use LAHA for uh it has been used as a a fairly um flexible and uh a good gap resource for cities and counties to use for different types of projects. This is the same uh information that was in the previous one. I'm just trying to acknowledge where we are with LAA spending with every item. You can see both of the actions here tonight for under consideration there. And then again, um the category breakdown. Okay. The terms of the contract. Uh the first $250,000 payment would be issued upon contract execution. Um after Habitat submits evidence of qualifying expenditures, they would be eligible to receive another $250,000. Payments cannot be issued more than annually. So it is capped at that maximum $250,000 per year and again has to have evidence of qualifying expenditures. Um, it is a 5-year term. 2026 would be the first year for the payments going through 2030. Um, the contract does have the ability to terminate at any time and we've built into the reporting requirements in this contract some annual reporting to the HR. Um, some of the other reporting requirements included are copy of an executed purchase agreement and then some information about who's being served through these dollars, household income, amount of assistance, property purchase price for each payment that issued. And then this does include it's well it's it's uh called um servicing and navigation fee I believe is the correct language there for a 2,500 per loan issue which cannot exceed 10% of the total payment amount. So there is some dollars in there for Habitat to be able to um cover the expenses of uh issuing these these payments. uh next steps. If approved, then uh the contract would be executed and Habitat would receive their first payment and then be eligible for more payments beginning in 2027 with the contract the proposed contract requirements of annual reporting and updates provided to the H. And this is the correct motion, but uh actually we have uh Habitat for Humanity is here to give uh a short presentation on their program. Well, good evening everyone. It's nice to be here with you. Um, my name is Bethany Negan. I use she her pronouns. I am the director of lending at TCHFH Lending, Inc., which is the lending subsidiary of Twin Cities Habitat for Humanity. Um, a little background on Habitat for Humanity. Um, our mission is to we bring people together to create, preserve, and promote affordable home ownership and advance racial equity and housing. Um you can see a little snapshot here. Um we currently have over 1,600 um homeowners that we have worked with. Um we have done um over 2,000 home repair projects and our preservation work. We engage with over 15,000 volunteers annually. And then we also have three retail locations. Those are our restores uh where we work um on sustainability and you know we you know keeping things out of landfills and um collecting donations. Um so that's kind of like the overarch of the work that we do. Um so on the housing continuum um everything from emergency shelter to home ownership um is an important step and we really specialize in the homeownership space of that. um in that home ownership space. We operate in the 7ount metro area. We work with um households that are 30 to 80% AMI and as firsttime home buyers. Um the products and services that we have um this is a little bit about the difference between um our parent organization Twin Cities Habitat for Humanity and our subsidiary TCHFH Lending Inc. Um so Twin Cities Habitat for Humanity is developing homes. Um they we have a financial coaching program to help prepare um households for um home ownership and they provide um affordability assistance um in the um in down payment assistance as well as um the development of the properties. Um the subsidiary is wholly owned by the parent. Um and the so lending inc TCHFH Lending Inc. which that is our legal name. It was we just never thought it would be a public name and turns out it is. Um but um so we approve the mortgage loans to borrowers. Um we meet regulation and compliance rules. Um we're responsible for um all of the mortgage activities, origination, servicing. Um we're a community development financial institution. Um and so we um also participate um in the community in that way. Um before I skip to that, I'll stay on this slide. Um, so we have um a the structure of our mortgages and how we create affordable home ownership is that we um work with a household and we start with their um monthly income and we make their mortgage payment. So, property or um principal, interest, taxes, insurance, and HOA dues or land trust, ground lease fees if applicable, all go into that payment. And we, um, limit that payment to 30% of their monthly income. And so, um, an example of that is a family of four at 50% AMI is going to approximately have about $1,600 a month to go towards their m mortgage payment. and at um about 5.75 interest rate um which you know interest rates can change but just for this example um that would get them I believe up to about a 2 or 2800 either 27 two 270 sorry math in my head is hard um 270,000 to $280,000 um principal so that's what they their purchasing power would be without any down payment assistance. Um I think um you might all be aware the you know average home costs are much higher than that. Um so what we provide is also um down payment assistance loans to um help with that affordability gap. So we have multiple sources of that. We use our own funds that we've raised um through philanthropy. We also um seek similar resources um um Minnesota housing impact funds, FHLB um you know different cities, counties um HASS that um have you know funds that can be used. So we then um fill in that affordability gap between the actual purchase price of a home and what that affordable first mortgage is. Um to qualify for our program, um you need to be a resident of the 7count metro area for at least the past 12 months. You have to be a first-time home buyer and in those income um ranges, the 30 to 80% income range. If someone's in our program and um they've been accepted and they were below 80% but they happen to tip over, like they get a raise or a new job but pays a little bit more, as long as they stay under 100% AMI, we still will allow them to um stay in our program. Um we don't want to disincentivize anyone from, you know, improving. Um and so that's the the basics of um how our our program works and who our clients are. Um so um in our history, we currently have um nine clients who are in process who currently live in Bloomington. Um we have 27 homeowners that are current clients of ours. So, um they have an active mortgage that they um are paying and work um and have purchased in Bloomington um so of all time. And then in the past 30 months, we've had seven homeowners who have um achieved home ownership in Bloomington um with the help of our our program and the down payment assistance that is available. The average um homeowner profile. Um in the packet you received there was a a chart with a breakdown um and a little bit more detail. Um but the average income and this is of those seven um households that just purchased in the last 30 months. So since December of 2023 um so the average income is 67,000 um with um an average AMI of 63%. The average amount of down payment they received was 42,200. Um the average purchase price um was 301 uh,000 approximately. Um five out of the seven of those households were um a female head of household. Um 73% of the clients um were black, indigenous or people of color. Um in that chart you can see the breakdown of that. We break down our um our demographics of race um into um we have black and African-American which is what we define as foundational black households and then also um black immigrant households. So we have disagregated that data. So you can see in that chart the percentages um the little history on that we found um in our uh practice when we when we started to disagregate that data we saw different success rates and um there's a large disparity of home ownership in the foundational black community um compared to all other racial groups. And so when we disagregated that data, we discovered that they that group was not achieving success in our program either. And so we made significant changes to our programming. Everything from how we show up in community to our how you apply to the program, go through the program, um to make sure that we weren't unintentionally leaving groups behind. So our program is available to anyone who qualifies on th those things that I listed. Um but we have intentionally wanted to improve um the that racial home ownership gap um in the Twin Cities. Um, and so, you know, these statistics are just that it's hard to like, you know, it's like for me like statistics tend to just flow right over my head, but um, you know, working with these specific clients, like I I know the names of these seven people and um or seven households and they um the the most recent two from earlier this year, we um knowing that we had this um agreement we, you know, we were able to increase the amount of down payment assistance on top of the other resources we already had for um a few um households who we knew were interested in living in Bloomington. So, we added that to their pre-approval. Um because I I did forget to mention we our mortgage can both be used to buy a house that we've developed as um Habitat for Humanity or you can take our mortgage and go work with a real estate agent and just shop um for houses out there. and then we provide um some down payment assistance. So, we were able to add, you know, $50,000 to people's pre-approvals and we immediately saw them achieve success. Um they had been looking for a few months and were not achieving um what they were looking for and then once we were able to add it was the amount that would just push them over the edge into success and finding what they were looking for. Um, so it was it was pretty um it was starkly impactful to to see the difference that as soon as we were able to add that um we were and that and then and then we were out of we were we had hit our cap. So um there's definitely um more potential uh waiting. Oh, here's that chart right there. Um, so if if you haven't looked at it, but you can see a significant portion of our clients are um foundational black Americans. Um, as well as um, you know, kind of representing um, almost most people groups as well. I think that's all. Um, do you have any questions for me or Sarah? questions, >> comments? Commissioner Carter, you want to start? No. No. Okay. Commissioner Wooten. >> Yeah, I have a couple. >> Sarah, can you explain to us um because I'm quite aware of the 2023UO? Um I was one of the commissioners who actually had a chance to sign off on that. Um, can you explain to us what's different from thatou specifically? >> Yes, chair and commissioners. Thatou was restricted to a um only to the foundational black households that were talked about in this program. This contract is available to anyone who applies for down payment assistance through Habitat. Can you walk us through when that was changed? >> Uh, the recommendation is to approve the contract now. So, this vote tonight would would memorialize that change into a formal contract. >> Did that come before the board? >> Yes, that is. Yes. So, um, theou So, there has been no payments issued based on theou. Oh, sorry. I just raised my podium here. Um, there have been no payments issued on theou. We wanted to make it into a formal contract before we issued payments. And so, that is the action before the board tonight to approve the formal contract and then begin the process of issuing payments. >> I'm a little unclear. I'm not sure you completely answered Commissioner Wooten's question about the timeline of like when did this change and is that am I correct? >> Yeah. Yeah. >> Because it it's different than what we signed off on in 2023. Completely different. And there's been no I maybe I'm wrong, but there's been no discussion before the board that there was going to be a change. And I and I'm just curious as to when that occurred. >> Yeah. chair and commissioner. So, we've had conversations with Habitat over the last year to work on the process of negotiating this agreement. So, um during that time, we've been, you know, having conversations about the program, also having some conversations around changing federal guidelines and trying to understand how that applies to theou. And so, the formal action, the first formal action for the board tonight is is to bring that change to you for approval. Okay, other questions, Commissioner Carter. >> [clears throat] >> Um, so based on the presentation tonight, my understanding is that although because of changes at the federal level, so what I'm hearing is changes at the federal level are now um, uh, staff are feeling like there there are some changes to the language in theou that need to be made for a variety of reasons. Um, obviously we have seen what this administration has done to programs um that focus on diversity, equity, and inclusion. Um, and I honestly don't even think we've seen the beginning in the HUD space, but um, but what I'm hearing in the presentation that you just gave from Habitat for Humanity is that, and and correct me if I'm wrong, even if our language is broader in the contract, it sounds like the program priority for Habitat for Humanity is to um reduce the disparity gap in terms in home ownership. So even if it's not in the contract, that is the priority. >> Yeah, that's correct. We I mean as I that's part why I shared our mission statement is that um we rewrote our mission statement um I think probably about five or six years ago to include that um as like part of who we are as an organization. Um, and so moving forward, you will continue to prioritize racial equity and reducing that gap in home ownership. >> Yes. >> Um, and particularly for foundational black families. Um, and I mean, do you anticipate that priority changing at Habitat for Humanity? Are you guys feeling pressure? No, we um are continuing forward with our um diversity, equity, inclusion efforts. Um we are being very mindful of, you know, federal influences and um but we are taking a brave stance. Um, and so we do still do work in um, we have a special purpose credit program that we that is still currently legal and while it is legal, we continue to move forward with that. Um, so like our general program is open to everyone, but we do have, you know, our special purpose credit program legal under the Equal Credit Opportunity Act. Um and then we um have also um engaged in community and modified our programs in ways so that whether with to to be an organization that has relationship that um we can use that to help achieve the goal of reducing racial home ownership gaps without having necessarily just programs that limit access to a specific group. So, it's a a strategy of both right now. Um, and we are poised to pivot as needed, but we are firm in our commitment to the mission of reducing the the racial um home ownership gap with whatever tools we have available to us at the time. >> Okay. So, with these resources, progress will still be made in reducing racial inequities in home ownership. We just are not going to include the um or the recommendation from staff is just not to um make that a [clears throat] like uh explicitly state that in the contract. >> The recommendation is to not restrict it to a particular group. Yes. >> Yeah. >> But again, Habitat for Humanity, that's one of your priorities. >> Correct. >> Okay. Um and then my other question kind of uh different track here. Uh, do you get a lot of requests from people in Bloomington or a lot of requests to live in Bloomington? I'm just kind of trying to understand like the demand that you're seeing. Yeah, that's a great question. So, um, when I was looking through our our um customer database, we have a CRM, a customer relations management system. Um, I never want to assume acronyms, so um I'm Please don't feel like I was patronizing you either. Um but um so I was pulling different reports to see you know what activity we had and we had um like eight or 900 inquiries um from people living in Bloomington. Um that does not mean that all of those were eligible but it was um a significant amount and that also is over a um undefined amount of time. We've um been um an organization since 1985. I don't think the tracking of that data goes back that far. Um, but I didn't I don't actually have offhand like how far back that data goes. I would imagine at least 10 years. >> Okay. Thank you. >> Yeah. >> I have um a couple questions and and maybe it's clarification. Um, so this money was granted in 2023 and you've been talking and it's taken two and a half years to come up with a down payment assistance that I'm a little confused on that why is such a gap and and I know the wheels of government turn slowly. So I'm not naive to that. Um but in this course of discussion when did you receive knowledge of the federal issues and that we couldn't focus solely on race and when did those discussions come about and did that stop forward momentum. I'm really trying to understand. I just feel like all of a sudden now and I know and I do have a statement to read from another um board member who isn't here. Um like why why now? Why are we just hearing about this now? >> Yeah, chair commissioners can u kind of walk through the timeline. So theou was approved in 2023. In 2024 there was significant staff over from both Habitat and the H. I myself was not in the position at that time. So um in 2020 I would say early 2025 we kind of reconnected and started to reestablish work towards we realized there was not a formal contract um and so we wanted to establish a formal contracting process instead of an OOU. So the conversations did start uh last year and then it's been as you said the wheels of government are slow. Some of the regulations coming out are also it takes time to understand them and understand their impact. So we've had numerous um kind of looking into what are the regulations, what is allowable about what is allowable, what's not allowable and how are we going to move forward with issuing a contract for this program. So that's kind of in brief how what it took so long and how we got here. So in that time but so no funds were dispersed >> correct >> since we received the money. >> Okay. >> Um then again when did when did you receive knowledge of the federal issues that you can't we can't focus on what we originally decided in 23. >> Yeah. Chair commissioner. It's been kind of an evolving process. It's not just one action. There were repeated actions both in 2025 and in 2026. So, it's not just been I mean there wasn't one moment where everything changed and we could react accordingly. There's been slowly evolving guidance over the course of the last several years here. So there are a number of different actions and each one takes time to assess and understand and move forward from >> help help walk us through what the normal process is for policy changes like that because as my understanding is those usually come before the board for discussion. So help me understand where the breakdown and communication was here. So, uh, the policy hasn't changed until now. So, between theou being issued in 2023 or signed in December 2023 to now, there hasn't been a formal policy change because you're right, that is a board action. And so, that's what we're bringing forward this evening is to consider the formalized contract with the policy change. >> Commissioner Robertson, >> thank you, Chair. Pardon me. [clears throat] Um would it be helpful for our understanding and please tell me if it's not um to recognize that theou the memor memorandum of understanding um was not the formal contract that was the beginning of the discussion of the contract tonight is it that is when it is coming before the board and so this is the discussion right now is that a fair assessment of what's happening that's fair um >> and is would it also be fair to say that we or not we um but there was withdrawal of some guidance in the fall of 2025 that really impacts these decisions going forward per staff guidance. Is that correct? >> Yes. >> Perfect. Thank you. >> Um I have been asked to read a statement by Commissioner Hooim who can't be at um this meeting tonight. She said uh good afternoon Chair Mueller and Vice Chair Wooten. Um, while I am unable to attend tonight's HR meeting, I would like my comments regarding uh item 5.2 resolution authorizing a down payment assistance and service agreement between Habitat for Humanity and the HA um on in the public record. I have significant concerns regarding both the timeline and the evolution of this item from the board's original discussions to the proposal currently before us. My understanding is that conversations surrounding this initiative originally began in February 2023 with final discussion and and approval of uhou occurring in December 23. Based on those discussions, I believe this program was either already active or moving toward implementation shortly thereafter. As a result, I do not have a clear understanding as to why the HR is now revisiting this matter more than two years later, particularly when there appears to be an expectation that the board would receive regular updates, program stats, and progress reporting on an ongoing basis. While I understand there have been leadership and staffing transitions during this time frame, an extended gap in communication and reporting on a program many of us believed was already being administered is concerning. At this time, I do not feel I have sufficient historical context or recollection of the original discussions, commitments, and expectations surrounding this initiative to comfortably support moving forward with the proposed action tonight. I would like to see a more comprehensive review provided to the board regarding the full history and intent of the originalou. the imple implementation timeline originally discussed funding commitments previously contemplated by their HR which I call to recall totaling more than 1 million over a 5-year period reporting and accountability expectations tied to the program and a detailed overview of the current and project and projected allocations of LAA funds. I also specifically recall that this initiative was originally presented as a targeted effort to increase affordable home home ownership opportunities and help address racial equity gaps in Bloomington housing. My understanding at the time was that these goals were central to the purpose and justification for the program and the associated funding discussions. Based on the Sorry, I need to take a drink. Based on the information currently before us, it appears the scope, intent, and implementation of the program may now differ from what was originally discussed and contemplated by the board. That raises concerns for me, particularly given the lack of consistent updates or transparent discussion regarding any proposed changes to the program structure, intended outcomes or administration. I do not believe the HRA has been provided sufficient historical context or financial clarity to responsibly evaluate whether the propo proposal before us remains aligned with the program originally discussed and supported by the board. Uh, additionally, given the number of proposed and committed uses for LAHA funds that have recently become before the HR, I am not comfortable in approving the proposed allocation without a clear understanding of the overall financial position and long-term sustainability of LAA funding for the remainder of this year and future budget cycles. For these reasons, if I were present this evening, I would be abstaining from the vote on item 5.2. Thank you for including these comments in the public re record. Commissioner Hooim, >> Commissioner Robertson. >> Thank you, Chair. Um, and I appreciate um uh Commissioner Huim's comments um and her her guidance. She's um a wonderful colleague to work with. So, I thank her for her uh giving her comments on this matter. Um if I may ask, and again, just for clarification, please feel free to cut me off at any time. Would it be fair to say that the overarching goal to um Commissioner Carter's point of the program is to reduce disparity in um home ownership especially for foundational black families. Correct. >> Right. >> And the change from theou to the contract we're being asked to formalize this evening is we have expanded the language and we've expanded that language at the recommendation of staff um and council. right? Uh so as to ensure or do our best to ensure that these funds don't uh get t at the federal level um get taken away or heaven forbid clawed back. Is that accurate to say? >> Yes, that's accurate. >> Perfect. Thank you. Um and sorry to uh make you repeat the same thing over and over again. I certainly don't mean to be redundant or or irritating. Um, but just really trying to wrap my head around and help others maybe wrap their head around um the level of it sounds to me like we've got some folks who are really concerned about the level of changes and that this wasn't what they originally perhaps agreed to. Um, and I that's one of the reasons I asked the question earlier to really drive home that theou was not a formal contract. That was a beginning point of discussion and what we're being asked to evaluate tonight is the formal contract which is very similar to theou and the goals therein simply an expansion of language so that we don't risk uh legal push back from the feds. Is that >> yes that is accurate. >> Wonderful. Thank you so much Carter. I guess to that point, um, other than the slight tweak in the language so that we don't get tangled up in a lawsuit, quite frankly, um, to me it the goals and the purpose of the program are still the same. Nothing else has changed. >> Yes, correct. >> Okay. Um, and maybe this is just um, I mean, I do agree. I think that there could have been more communication along the way. Um, I mean, I think the from the very beginning of the Trump presidency, I think we knew that there were going to be impacts in to the HR and in the housing space. And so, um, but I al so I think that more frequent communication about what was happening in the programs that were being impacted and just I think that would have been helpful along the way. Um, and so I would say moving forward, if there are other things that staff are kind of foreseeing might be impacted, it would just be helpful to give us those updates so that we are mentally preparing for those changes and not kind of caught off guard. Um, but with that said, um, I will support the contract as it is tonight. Um, because it is my understanding that, you know, anou is not a binding document. It is to start the conversations. Um obviously a lot of staff change, a huge change at the administration. Um I mean our whole our worlds have been completely it's a we are in a different world compared to two years ago. So it makes sense to me that this would look different now. Um and honestly we know that people need this help. Not right now but like yesterday um two years ago. And so we need to get these dollars out the door. We need to get them to Habitat for Humanity in a program where they focus on reducing racial disparities and home ownership. That is the purpose of that program. We're just tweaking the language. Um so I want to get these dollars out the door. I want to make an impact in our community. Do I wish we could keep the language as it was inou? Absolutely. I also know plenty of organizations and people at organizations who are in lawsuits right now with the because of the administration and so um I would rather not be the case here and not be able to spend those dollars and have those dollars clawed back. So um yeah, to me the the original intent is still going to happen. It's just we have to be strategic about how we set up these do documents. So that's what I've got. Thank you, Commissioner Wood. >> While I don't disagree with what you're saying, Commissioner Carter, um you know, the fact that this is being sprung on us this evening, I personally would like to table this until the next meeting just so we have a little bit more time to discuss some things. I am not advocating that we don't, but I I just think this is a sudden change and a significant change. And although we have the um encouraging statement from Habitat, you know, I'm I'm more concerned with the fact where do we stand as as a as a body given this is an issue going forward and there's a lot of other projects out there that have the same kind of opportunity to make significant differences for marginalized communities. I just don't think at this point in time we can in good conscious go forward. I'm not saying we have to, you know, totally not do anything, but I'd like to be able to table this into the next meeting. So, that's why I'd like to be able to move a motion to table this into the next meeting. >> Do we have a second? >> Honestly, I can't decide if I want to second it. Um, I agree with what Commissioner Hoo King has said and you know some of her comments are before seeing the breakdown of where the money is going and this is going to log because that was the significant question we had last time. Um, so some information question she raised in here and if she was here I would be saying this. Hey, you know, um, we we do have some of these these answers. Um, I I am conflicted. I I am extremely frustrated with the lack of communication and how we didn't find out about this. I mean I feel like it's very significant part of the of the member of you know of of theou and that this is really really going to be a focus was um focusing on you know racial disparity particularly black home ownership. Um and and I do feel we should have been told about this earlier. Um, I also agree with Commissioner Carter that people need this money yesterday and that we don't um and that we don't want to hold it up. But I also think that perhaps delaying it for until our next meeting and whether that's a meeting in July or we can convene uh meeting sooner. Um, I I will second the motion to table it till our next meeting. >> Yeah, Commissioner Carter. >> Thank you. Um, I'm I'm comfortable with that the tableing option. I guess I my only question would be is there any um are there any other timelines or things like that that this would impact? You know what I mean? Are is there a reason that we would need to do it tonight versus waiting a month? >> Yeah, chair and commissioners. Um I don't believe there is a required decision to make tonight. No. Um also in the administrator updates later this evening. I will be actually um suggesting we hold the date of a second meeting in June. So we could potentially bring it back even earlier than next month um in in two weeks time. >> Okay. Commissioner Robertson. >> Thank you, Chair. And this is super brief. Um, I just wanted to make note, um, and have staff confirm for us if they could, that in very late March, HUD actually did begin investigating an organization in Washington State. Is that correct? That had very strict racial um that had very strict language in their program. >> I'm not sure which state. >> Uh, oh, sure. Um, I'm uh in the the memorandum we received, it was the state of Washington is what it says, >> then. Yes. >> Wonderful. Thank you so much. Um, thank you. I just thought that would um that's a an important point to bring up especially in terms of timeline that we are seeing this start in other states. Correct. Thank you. To add I um certainly if if uh the rest of the body is feeling like we should table this until our next meeting and I am hearing staff say that we're hoping to have a second meeting in June. Um I could uh also be agreeable to that. >> Okay. Um then we have a motion and a second to table the vote until our next meeting. So I believe next we need to do a roll call vote >> via WebEx. Commissioner Dolinger. >> I >> Commissioner Robertson >> I. >> Commissioner Carter. >> Hi. >> Commissioner Wooden. >> I. >> Chair Mueller. >> I. So the motion passes 5 to zero. >> Could I ask just a quick question for the board? Is there any additional information from staff that you would like for that presentation in two weeks time? >> I don't feel I can answer that right now. I need to think about and I would certainly email you the additional questions. >> I think if I could add anything it would probably be pulling out the additional and the discussion there. So that would be a start. >> Commissioner Carter. >> Um I don't need anything else and I don't think my opinion will change. Um but what I also heard was maybe a broader conversation about the position of the HR. Um, you know, my assumption is that we all stand firmly still in our commitment to advancing racial equity in the housing space. Um, and I would hope I'm going to guess that hasn't changed. But then also, you know, a conversation around how do we be strategic in continuing to advance that priority when we know that there is a huge threat from this administration. Um, and maybe I mean it looks like we've got this board retreat availability [laughter] sheet here. Maybe that's a topic for like the board retreat. I think that would probably be a pretty meaty conversation. Um, and so I just wanted to highlight that from Commissioner Wooten's request. Um, which I think is a great a great idea. So, thank you. Okay. The next item is 5.3 all things housing report. May we have the staff report. Can you just work? Thank you, uh, chair, commissioners. Uh, I'm here to give the annual all things housing report. Uh, full disclosure, I am pinch hitting for Durley Navaro, who was our planner working on this project, but she her last day with the city was last week. So, uh, so I am familiar with most of the data and I'll do my best on some of the detailed questions. Um, but if there's something that gets really, uh, granular, I might have to come back later with some more details for you. Um, but this year's all things housing report is a little bit different format than in the past. We've utilized uh a PDF kind of book in the past and now we are doing a story map. It's a little more interactive, a little more uh user friendly and adaptable and can let people kind of interact with the data uh much more interesting and compelling way. So, I'm going to utilize this by just kind of scrolling through and showing you the map and hopefully this continues to to work. Um, so as you can see, just uh I'll just give you a brief overview. This is available on our well on our website. Um, you can see kind of uh what you typically would see as chapters or topic areas that can kind of jump you to different parts of the report um that people can utilize. Uh, and so it it's really kind of what people get interested in they can kind of jump to if they they prefer. So I'll just kind of walk through it because it kind of tells its own story and hit some highlights here for you. Um, but uh total population in Bloomington is uh just about 92,000 uh today. This is coming from the Metropolitan Council. And as you'll notice throughout the report, there are various sources that uh we pull from. Uh primarily American Community Survey through the Census Bureau, but sometimes the Met Council has more accurate data and sometimes our assessing division has well has the most accurate data because they're in the the field. Um so we highlight with these little uh eye here where the source of that data comes from. But uh as you can see, we're about 92,000. We're forecasted to continue to grow. our average household size is about 2.3. So, it's kind of leveled out in that area in the past 20 years. Um, but it's an interesting data point that we like to track, especially when we're thinking about how many bedrooms do we need or we're talking about missing middle. Do we need two bedroom, threebedroom, fourbedroom? What should we be promoting? So, a household size, something we we like to track. And you can see back in 1970, we had 3.76 average household size. So clearly families were living in Bloomington uh 50 years ago. Uh we have just about 40,000 uh total households in Bloomington. And Bloomington tends to skew a little bit older in age. So we are a median age of 41 uh and a little over 20% of our population is over 65. and Met Council is forecasting us to continue with that uh higher level of senior population uh through 2025. So that that older population will continue to live in Bloomington. So again, thinking of the type of housing that we're looking to encourage, senior housing will be is and will be a need for us. uh 65 uh 30% of people over 65 have uh a disability. Again, kind of accommodating those unique uh needs in housing. Uh race ethnicity is something that's changed over time, too. In 1970, we were 1% bipok population. Now, we're uh near 35%. uh and uh our largest uh populations are black or African-American at um and here's the interactive part. You can kind of click on the the chart here. So 12% um Hispanic or Latino is at 11% and then Asian is the next largest at 5%. Uh and then we have kind of this map here to the side that shows by census track kind of percentage of population that are bipac and you can see in some areas uh we have much larger population uh over 50% uh tend to be in that eastern part of the city. Uh Bloomington also has families. Uh not what we had in the 70s, but still pretty pretty comparable to uh our communities around us. About 25% of households are considered families with children under 18. Um but a real interesting statistic that jumped out to me reading this, about 32% are single households, single person households. So again, thinking of different housing types where we're thinking smaller cottage uh missing middle child, maybe a smaller home with the two bedrooms is appropriate. Um uh median income is about 93,000. Uh but this is where it gets real wonky real quick. Uh uh family household is about 120,000 because you typically tend to have a dual income household. And then if you're married, it jumps up a little bit more too. So thinking with children uh you tend to have a a higher income. So this is I call this out because we often talk about 80% AMI but that gets gradated based upon number in households and we typically say about I think last year was about 112 was the median income uh for a family of four. So that that's a little bit more comparable when you think a married couple or married family is probably about that family of four. And then single household is about 60,000. And again, we've got a map here kind of showing where that median income tends to be higher um throughout the city. And so where are people working in Bloomington? Uh we have you can see a rich diverse uh employment structure here in Bloomington industrial. Um but a lot of our residents live in or work in kind of an office environment. So uh our our top is the uh what is it called? The the waste management. Uh it gets really it's an interesting title that always jumps out at me. Um but really uh it's just uh office type work. But then we have management of companies which is up there. Um we've got health care 10%. We've got uh retail is obviously a large one with the Mall of America kind of driving that employment in Bloomington. But at the same time we have a larger industrial base that other communities don't have as well. >> Yep. Um, so is this jobs available in Bloomington or what people in Bloomington do for work? Like people who live here do for work? >> That is a good question. Uh, I believe this is [snorts] that is a very good question because there is a distinction of people who live in Bloomington where they work. I believe these are actually the jobs in Bloomington. Um just uh so we offer quite a range. Um about a third of our population does live and work in Bloomington. So uh it's safe to uh I'm trying to draw on past knowledge, but we're pretty similar in our employment of our residents too are pretty diverse. [snorts] We kind of given our central location, you know, we can we access Minneapolis pretty easily. That's actually our largest feeder is to Minneapolis where people uh mostly live and work in Bloomington, then Minneapolis, then St. Paul. So, not surprising, large employment centers. Um, but we're we're pretty uh mixed in our employment, too. But that is a a good distinction we should call out and it might be in here actually. >> Okay. Thank you. Also, I'm just very surprised accommodation and food service isn't much higher, but >> yeah. So, I mean, >> it's good to see that it's so diverse. Yeah. And I think um yeah, so our top employers here and this map is not quite loading correctly. Um because we're not in Africa. Um oh, I don't know what I did there. There we go. Um so we have Mall of America obviously is our our one of our our largest employers, but we also have Health Partners. um they have their corporate headquarters here. And then uh Bloomington Public Schools is one of our top five employers. And you know, this is actually pretty typical of most communities. The school district is one of the largest employers in most communities. Uh and then Evernorth is on there. Evernorth used to be Express Scripts. So Prescription Medicine, they they have their headquarters here also in Bloomington. And then Seagate. Oh, and we have Toro Companies. Uh our unemployment rate is pretty stable. You can see we track real closely with Henip Henipin County in the state. You see that little blip during COVID up to 7.6% but we're we're pretty good at 3.4%. That means people are employed and um yeah so that that's uh a significant uh that's that's significant. 3.4 four is probably tighter than the market really is. Um I'll talk about this a little bit later with housing too. You want six or seven or even 8% because that allows movement between employment and opportunities. Yep. >> Is the service industry a proponent of making that number jump like that? >> Yes, that was a large um part of it. Hotel and uh accommodations and Yeah. So next up we talk a little bit about housing tenure. So that's uh are people renters or are they owners? So right now we've got a mix of about 39% are renters and 61% are homeowners. Uh we break down uh rent by uh bedroom type. So this can uh skew quite a bit. So obviously the larger the units, the larger the rent will be. Um but uh median gross rent in Bloomington is about 1,500. We do have quite a bit of kind of one-bedroom apartments that kind of bring that median down a little bit. Um so it's always good to kind of track um where we are against the metro as well. So we do tend to have a little bit higher rents than the metro. Um and that that's something our assessing division uh tracks very closely. And then home ownership. Uh right now the median value is 376,000. Um and that that's value. Uh so a large percent 56% is in that 300 to 500 range. So as we were talking about 80% AMI is right about 300,000 maybe a little bit higher but half of our houses are above that. And you know, and that's you can see here while that's largest, it's only about 25% that's below that, 25% above that. So >> Mike, do we know if that's single families freestanding or are there some um condominium, town home, HOA type units in that number? Uh I believe that this is all units uh the way that this was broken down, but yeah, so condos typically are more affordable than standalone single family. Um and those those tend to fall in that kind of 300 250 range. So that's where you do see that significant amount here in that 200 to 290 but nine. But these are likely not they're more in the town homes than they are in the in the single family. or the the condo units. But yeah, 75% here, you're looking above what is attainable by someone making 80% AMI. Um, and similarly, like I had mentioned before, we have a vacancy rate of only 4%. Uh, so that that's pretty low. Um it's it you know it's not the tightest we've ever been, but it also means that there's not a whole lot available, which is also drives up that that rent, right, or that home value. Uh so there that means people aren't also moving or feel comfortable moving because they might not find something uh at least within Bloomington. So we're in a metro area. We compete with other communities that might have different vacancy rates and different prices. So that that is something we we look at tracking. Um but this gives you that breakdown too of that single family homes. We have about 21,000 uh single family homes. We have 17,000 um multifamily uh rental, but we've got town homes about 3,000 um uh well and that multif family actually includes some condos as well. >> Can I ask another question? Mhm. >> Is there an accounting of homes that are either under construction and or units that are under construction or units that are let's say in the case of um a large complex that is in the process of being re rehabilitated? Do we take in any consideration or at least are able to get any numbers relative to that? >> Yep. That that's something we track. Um we we don't have um well it it's in here. I'll show you. We've got a dashboard with that um because we with most uh almost all our new units are uh have some sort of affordability commodity. >> Yeah. I'm asking in part um at least for me when I look at that 96% occupancy as really 100% because you know the variation there is usually three or 4%. >> And usually that encompasses homes that are either under construction or units that are in in disrepair and can't be housed in. >> Yep. Yeah. And you'll see our pipelines kind of slowed a little bit. We've uh we have the EVE apartments or ever apartments opening real soon here. We just had 700 American open, but we've got a little gap between any more units will be opening. So, we've seen a few projects come through like the Wixs and development that are coming into development, but we we'll have probably have a gap here of a year or two before we start seeing some more more construction. Uh so we do talk about affordability here and it kind of explain uh what that is and how AMI and I won't go into too much detail because you hear this on a regular basis but we point to the HUD website. Um and this kind of points out we're uh when we start this project we're waiting for data from the census to come out kind of December time. It takes us some time to do it and by the time we're uh kind of getting in the thick of it in March, we've already started or April, I think it came out even in May this year, the new affordable limits came out. So, there's always a timing with when data is coming out and what the most recent data is. So, this has the 2025 limits. Um, but the 2026 limits are are pretty similar to that as well. Um, and then we just call out kind of what the affordable rents are, um, based on unit type. And similarly, uh, we just had, uh, just a couple weeks ago, uh, an update to what that affordable home price would be for 80% AMI, and it actually did go up slightly, um, but is pretty similar to last year. I think it's about 312,000 now this year. Again, it it that becomes a variable of interest rate. and a few other things that kind of creates that. So while incomes actually went down uh slightly, this has gone up due to interest rate changes. Um but importantly, we look at housing cost burden. So 27% or a quarter of our population is housing cost burden, which means they're paying more than 30% of their income for housing. So, as you start to pay more uh of your income for housing, that means you're making choices between other necessities, food, health care, transportation. Uh so that that's an important factor that we need to keep tracking and want to make sure that housing remains affordable. Uh and as you dive into the numbers a little bit too, this uh chart here is a little bit difficult to see on your screen, I understand, but um it has showing two different things here. First is uh housing cost burn in by race. So some races it's higher uh black and African-American households up to 40%, same with American Indian households um and Latino households at 32%. And so that suggests our white households are less housing cost burdened, which makes sense because our white households also tend to be homeowners at a much higher rate. So you can see the home ownership disparities in this chart. Um, so while 66% of our population tend to be uh homeowners, um, our Asian population also tends to be higher, but our white households is 73%. So you can see as you lock into that rate of home ownership, you you kind of have that fixed mortgage hopefully and then you're able to kind of manage those expenses over time. So you're less likely to be housing cost burden. So that's part of the importance because as you rent, your rent continues to increase as the market demand increases. And then we jump into our affordable housing goals. Um this is part of our comprehensive plan. Um but relates to why we have the opportunity housing ordinance and why we're trying to create more affordable units. Uh we've got this new dashboard that kind of again gets to your point of tracking uh units that are coming online. Um but you can see the number of units. So as we we know we've we've had some units at 30% AMI come through but not nearly enough. only 40 and we need uh I think these numbers aren't calculating correctly but um I think it's around 400,000. So um but uh this map here kind of highlights if it works. Um and this is also a separate dashboard that people can link to. Um so this is embedding a different system in here. um but what those units are that open that have those affordable units to help meet our 2030 goals. Um so you get some more data on on those. Um but uh you can see here where we're tracking our third yeah this is more accurate than these numbers. So, um, yeah. So, our 30% AMI units are just under 450 units that we need and we've got 40. But you can see here with our 50% AMI units, we've achieved those and our 60% are well above our our goal here on this middle chart here. Um and then this last section I won't go into too much details because uh this basically pulled from a report that we had already given you about um our accomplishments uh for the year but we do talk about LAA in here and do kind of break down in more detail where that LAA spending is um and have this nice chart that go shows the allocation based on some of the projects that we've approved. So that down payment assistance like we were just talking about uh we are proposing um the heights was on there south view estates um and rental assistance and so this section kind of explains that. Um and then these other items uh pull directly from I believe it trying to remember was it February that we present our kind of annual report and that kind of links to uh the staff report that was provided during that time too. Um so can get into some of those details again if you want. Um but it it's like I said this is meant for public consumption so people can see what we're doing. Um, and when you share your screen, the share button covers what I need to [laughter] do to go back. Is it there? We go. Okay. Um, but yeah, that is the all things housing report and I can uh answer any questions. I've got some tables here I can pull up if there's something. Commissioner Moon, >> Commissioner, >> fantastic report. Um a lot to be proud of there um as staff and um as the H. [clears throat] Can you talk to us a little about that 32% single household and where that's leading us? >> Yeah. Um I I'd have to dig into that more. I suspect that's kind of always been there. Um given that our average household size has leveled out at it was lower actually at like 2.25 at the last census. Um so it it's it's I wouldn't say that we're increasing in that single household, but you're definitely seeing singles and two people households living in Bloomington. And part of that I think is aging in place. um you know, empty nesters that are staying in their home longer than they have before because there isn't affordable options for them to move. Um and then part of that I think too is just that we do have single bedroomedroom apartments uh that are affordable that um that are you know people want to live in Bloomington. Any other comments, questions? >> Well, thank you very much for the report, >> Chair Commissioners. I might just add I'm very pleased with the way the All Things Housing report um turned out. I hope you find it easier to access. It'll be easier to share with community members. It's just an easier presentation of the information. And so I I shout out to Durley who put a lot of work into um moving it into this format. That's why it was a little bit delayed this year, but I I I'm very happy that we have this resource to share out. So >> thank you. >> And I guess a shout out to Mike for pitch and there too. >> It's solidly. >> I just read the report. Very good report. >> Okay, next item. Uh discussion items. administrator updates. >> Yes. >> Actually, um actually Mike, could I could I ask you to pull something else up on your screen real quick? There is um in the in the HR um the presence folder, there's a report on property properties. Did you pull it up and share it by any chance? I will go through um there was a so there was a request from council or commissioners to have more frequent updates on some of the issues going like what we're working on with the H owned properties. Um and so there is a new report that is anticipated to release to commissioners quarterly that was attached to the administrator updates and so I'm trying to find that to pull it up now but I'll go through uh the rest of the updates here. So, okay. Um, a couple things. First, at the last meeting, there was the request for a newsletter. And so, that went out on the fourth week of the month, which is when we had previously had the second HR meeting of the month scheduled. Um, so that was our first iteration. I'm sure it'll continue to evolve. Please let me know if you have other things you'd like other information, things you'd like updates on. Um, any suggestions in terms of what that newsletter should cover. I hope you found some of that information helpful. Um, another thing I'd like to highlight, I think that was included in the newsletter was that there were some significant um, changes made to regulations for home homeowner associations. And so some of those things included fee and fine caps, um, expanded conflict of interest rules, competitive bidding on large contracts, um, some homeowner protections like banning retaliation. And so it was a pretty comprehensive change. Um and so we are also still um thinking through how can we communicate out this information to our homeowner associations and and um the impact in communicating out about that information. So I just wanted to highlight that as a significant change and something I know is of interest to the board. Um and then uh I mentioned also during the item um we're looking at a special meeting on June 23rd. So, the reason for that, there is a lowincome housing tax credit application coming forward um that has requested some action from the HR that would be needed to support that project. And the timelines on those are pretty tight and so um we're recommending Yes, thank you so much, Mike. So, we're recommending um adding that uh meeting. So, our folks uh thumbs up looks like folks are available to attend. So, we'll go ahead and and send out the hold. Still uh to be confirmed, but I think we're anticipating that that will happen. So, we'll send out uh communication closer to time and just confirm that that is scheduled. Um and then also, I did give you this little handy little form with a board retreat availability. I will email this out to the board as well to fill it out. Um similar to last year, we had planned a board retreat and so this year uh would plan for a board retreat as well. This is kind of general availability and preferences for timing and then like travel dates we are not available as well as any recommendations for topics that you would like to cover. Um and then continuing on a couple project updates. So, uh bring it home which is the state funded voucher program. We've had a couple of conversations about the request for proposals to issue um project based vouchers. So that has been posted. Um it will be closing at the end of the month and then our goal is July. It is a new program so might be August. Um but our goal will be to bring forward recommendations for issuing those vouchers in July. Um so if you know anyone interested in applying it's for um uh to administer these vouchers that RFP is available. Um another couple more things we have coming up where we'll be um issuing RFPs. Um we do have for St. Mark's sites. So there was after acquiring the property, we're looking at building a road on that property. So um we will be issuing an RFP to do it's called site civil, but basically like designing the engineering for the site for the road. Um as well as looking at opening an application sooner rather than later for uh developers to apply to be able to develop on that site. So we have a number of upcoming action items on that one. Um and Yes. >> Yeah, it's uh I think we had 16 or 17 on there. I do think um so we're a little bit limited by the grant funding because we can only do the 27 units total and St. Marks is 16 17 of that. So, we will be bringing back to the board basically a new site plan to consider and approve. Um, I I don't know that we'll be able to go over that number of 1617 units because of this funding availability. So, perhaps it's phased. I think there are different options to consider there. But, um, yeah, we are looking at making some adjustments just because of cost gaps currently. So, um, and then okay, so I will run through this. Thank Thank you again, Mike. Um, so this is kind of we'll just kind of scroll through. This is just background. Two programs. We have the assisted rental homes, which are project-based vouchers, and then rental homes for future home buyers, which is a program basically to train people for um eventual home ownership. It's a 5-year program where people rent the property. We provide annual um financial like uh education services um and then uh they can move the goal is for them to graduate into home ownership. Um so some general updates. So we have a number of work plan goals in the annual work plan and so this is kind of some highlights along these lines. Um I mentioned at the last meeting these lowincome rental efficiency inspections. So these are free inspections for um incomerestricted qualifying properties. And so because it's an income restricted program all of our properties are eligible. So, um we're getting assessments done and they would cover the portion of a cost to complete like weatherization and high uh efficiency equipment upgrades and um so it aligns well with timing. We have some CDBGCV funds which were um special funds that were granted community development block grant funds that were granted during COVID. uh we had uh brought to the HA and the city council uh an action to approve spending to spend down the last of those dollars on capital improvements for HA owned homes. So we're moving forward with that spending. Um we do have a deadline of August, so we're moving quickly to get those funds out the door. Um and then resident relationships, uh the those energy efficiency visits went down by storm. I think they they received some uh little giveaways like light bulbs, dryer balls, water saving showerheads. So that was a fun thing to be able to provide to residents. Um and then we have an emergency maintenance vendor who was a new emergency v maintenance vendor selected in 2026 who's had some positive feedback and have performed a variety of services for us. So that partnership has been going well. um vendor network. Uh we have a current pool of vendors. We issued an RFP last year to select some like basically vendors that we could reach out to and contract with quickly. And so we are anticipating to issue that RFQ annually. And so we're looking at issuing that again soon to broaden the number of vendors who are in that category. Um and then continuing to do some long-term planning. So the the energy efficiency visits and inspections are part of that. So are the CDBGCV funds. Um and we're also in the capital improvement this planning process or the capital improvement plan for the city. Um so yeah, continuing on down here, we've got these are some breakdowns and of the homes in each program and spending by quarter. So obviously this is Q1 report so we only have Q1 filled out but we'll be um reporting on this every quarter to kind of update on where we are in terms of budget for our property properties. Um and then you can continue on down Mike and then a couple of things like what's going on current status. We've had a number of water intrusion and plumbing calls recently. So trying to address some of those those require those are emergency maintenance calls. So trying to respond to those quickly. General general maintenance. We're still we have some preventative maintenance that's coming up that's needed, jetting of the drains and things like that. Um and then turns. So a turn is basically what we call when somebody moves out and somebody else moves in. So we've had um one of those in each program. And then there's some capital improvements and the current vacancies for the last day of the quarter. Um so yeah um al also this is our first iteration of it. I would imagine that this can can also be modified. So um let me know if you have questions or or feedback on this report. >> So of the rental homes it's just 42, right? >> Uh yes, 42 total with the two programs. >> We don't have mortgages against any of those, do we? >> We do not. >> So they're all revenue generating pretty much. Well, the project based v uh voucher programs are not necessarily, but the costs are covered by the vouchers. The rental homes for future home buyers, it it I mean we use rental income, but there is some subsidy from the H levy to support the um the affordability and the income qualification component of that program. >> Okay, thanks. Y so I would imagine in upcoming quarters um we'll we'll just use the same format and continue to provide updates on a number of these categories as well as anything else that comes up. So feel free to let us know if you have any other questions or feedback. Um and then I think my last comment and then we'll be done with the updates is just that uh there was a request to create like a roster of H members and to include folks phone numbers on there. So, just wanted to make sure everyone is comfortable with sharing out phone numbers. So, please let me know end of the week if you have any concerns and then we'll put that together and share it out with the board. So, that is it. Those are all my updates. >> Thank you. Any questions or comments on the updates? All right. Then this uh it's we have reached the end of our agenda. So, may I have a motion to adjourn the Tuesday June 9th H board meeting? So moved. >> Moved by Commissioner Robertson. >> Second. >> Second by Commissioner Wooten. And may we have the roll call vote >> via WebEx. Commissioner Dolinger. >> I. >> Commissioner Robertson. >> I. >> Commissioner Carter. >> I. >> Commissioner Wooden. >> I. >> Chair Mueller. >> I. So motion passes. 50. Thank you everyone. Fantastic.