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only has a few loans outstanding and therefore has a large amount of money that is not <br />being used. In talking with HRC staff, they say the program is not utilized as much <br />because of the restrictions. About half of the people are above the income level (and thus <br />directed to RLP) and the others don't have a person under 16 (and also directed to RLP). <br />Given these facts, there seems to be sound reasons to combine the programs. <br />3.8 In looking at the possibilities of combining the programs, staff has considered what <br />criteria should used for the new program. It is staff's opinion that most of the guidelines <br />from the RLP should be maintained in the program. Namely, the 4%, 10 year term, and <br />$20,000 cap. Based on the strategic plan, criteria or incentives for green design and/or <br />the use of energy star products should be included as part of the new program. <br />3.9 Staff does feel that there should be a income restriction put on the new program to ensure <br />that we are helping Roseville residents that need the help. In reviewing County and State <br />programs, staff found that most state programs serve people at 60% of AMI, while the <br />Ramsey County programs range from serving people from 50-80% AMI. Therefore, our <br />programs are not duplicative and serve a segment of the population that does not <br />typically qualify for the existing housing programs. <br />3.10 If the programs are combined, there would immediately be a balance of $136,674.00. In <br />addition, it appears that an additional $133,000 is available from the 2008 RHRA budget <br />leaving a grand total of $269,674.00 for the new program. <br />3.11 Code Enforcement <br />3.12 There seems to be some confusion on what the role of the RHRA will have in regards to <br />code enforcement. Staff has reviewed the minutes of previous meetings as well budget <br />and strategic plan documents to ascertain the final disposition of the use of RHRA funds <br />for code enforcement. The aforementioned documents discussed the use of RHRA funds <br />for loan programs, to help the city with property abatements, promotion and creation of <br />pro-active code enforcement activities and even assisting the city in funding seasonal <br />staff. <br />3.13 While it is still not totally clear to current staff on the final RHRA intentions, staff would <br />recommend that the RHRA fund an emergency loan program for code enforcement <br />violators in the amount of $60,000. In addition, an additional $60,000 should be <br />allocated to assist the City in performing abatements. Currently abatements are paid out <br />of the Community Development Department Fund and eventually recaptured from the <br />person whose property was abated. As there typically has not been a lot of abatements <br />on an annual basis, this arrangement has not put a burden on the Community <br />Development fund. However, as Roseville's code enforcement efforts step up, and <br />additional funding source for abatements will be helpful. <br />4.0 Staff Recommendation <br />4.1 Staff recommends the following: <br />RHRA Program Evaluation (03-18-08) -Page 3 of 4 <br />