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HomeMy WebLinkAboutResolution No. 188Ll RESOLUTION NO.188 0 A RESOLUTION OF THE REDEVELOPMENT AGENCY OF THE CITY OF AZUSA FINDING THAT A SUBSTANTIAL EFFORT IS BEING MADE TO MEET THE NEED FOR LOW AND MODERATE INCOME HOUSING WHEREAS, the Redevelopment Agency of the City of Azusa ("Agency") adopted the Central Business District Redevelopment Plan in 1978; and the West End Redevelopment Plan in 1983 subsequent to the enactment by the Legislature of the provisions of Section 33334.2 of the Health and Safety Code; and WHEREAS, the Tax Increment revenues which are derived to the Agency from said project areas are subject to the provisions of California Health and Safety Code Section 33334.2 for low and moderate income housing purposes; and WHEREAS, the Agency has received and considered a staff report entitled, "Efforts to Meet Low and Moderate Income Housing Needs of the City of Azusa which is attached hereto as Exhibit "A" and incorporated herein by this reference, that demonstrates that a substantial effort is currently being made by the City and the Agency to meet the need for low and moderate housing in the City of Azusa and that such effort is intended to continue for the foreseeable future; and WHEREAS, assisted with the Federal Community Development Block Grant program, the City has since 1977 disbursed more than $1,192,660 through various housing projects for the rehabilitation and construction of low and moderate income housing. That such expenditures have resulted in more than 116 homes being rehabilitated and 342 new units being constructed, a number in excess of the number of low and moderate income households displaced or anticipated to be displaced or anticipated to be displaced from the project area; and WHEREAS, the Agency has considered the need that can be reasonably foreseen because of displacement of persons and families of low, moderate, or very low income households from within or adjacent to the project areas, because of increased employment opportunities, or because of any other foreseeable direct or indirect result of implementation of the redevelopment plans. NOW, THEREFORE, the Redevelopment Agency of the City of Azusa does hereby resolve as follows: Section 1. The Redevelopment Agency of the City of Azusa finds, determines and declares that: A. That the Redevelopment Agency of the City of Azusa and the City of Azusa are making substantial efforts to meet low and moderate income housing needs in the community, and that this 0 0 effort, including the obligation of funds currently available for the benefit of the community from state, local, and federal sources for low and moderate income housing alone is substantial- ly greater in impact to the funds otherwise required to be set aside pursuant to California Health and Safety Code Section 33334.2. B. That there are no present plans or plans for the fore- seeable future to displace any families of very low, low, or moderate income from within or adjacent to the project area because of any cause whatsoever. C. That due to the large pool of already -housed unem- ployed and underemployed workers in the area, the increased housing needs that can reasonably be foreseen for low and moder- rate income households because of additional employment opportu- nities resulting from implementation of the Redevelopment Plans will be minimal and can be satisfied by already existing Agency and City.programs. Section 2. That the Agency, in accordance with the Redeve- lopment Plan and the Community Redevelopment Law will cause an equal number of low and moderate income housing units to be constructed or rehabilitated as will be removed from the Project Area as a result of project implementation. Section 3. That nothing herein shall be deemed to preclude the Agency from using taxes set aside pursuant to the Community Redevelopment Law, or otherwise, for meeting the low and moderate income housing needs of the City of Azusa. Section 4. The Secretary shall certify to the adoption of this Resolution. APPROVED AND ADOPTED this 1st Day of April, 1985. CHASIMAN I HEREBY CERTIFY that the foregoing resolution was duly adopted by the Redevelopment Agency of the City of Azusa at a regular meeting thereof held on the 1st day of April, 1985, by the following vote of the Agency: AYES: DIRECTORS: CRUZ, COOK, CAMARENA, LATTA, MOSES NOES: DIRECTORS: NONE ANT: DIREC76R NONE DEPUTY SECRETARY 0 0 EFFORTS TO MEET LOW -AND MODERATE -INCOME HOUSING NEEDS OF THE CITY OF AZUSA by: Azusa Redevelopment Agency 0 . I. Legal Requirements of the Agency On January 1, 1977 the Legislature amended the provisions of the California Health and Safety Code adding a requirement that, "Not less than 20 percent of all taxes which are allocated to the Agency pursuant to Section 33670 of the Health and Safety Code" shall be used by the Agency for the purposes of increasing and improving the community's supply of low -and moderate -income housing available at affordable housing cost unless one of the following findings is made: (1) That no need exists in the community to improve or increase the supply of low -and moderate -income housing in a manner which would benefit the project area. (2) That some stated percentage less than 20 percent of the taxes which are allocated to the Agency pursuant to Section 33670 is sufficient to meet the housing need. (3) That a substantial effort to meet low -and moderate - income housing needs in the community is being made, and that this effort, including the obligation of funds currently available for the benefit of the community from state, local, and federal sources for low -and moderate -income housing alone or in combination with the taxes allocated under this section, is equivalent in impact to the funds otherwise required to be set aside pursuant to this section. The legislative body shall consider the need that can be reasonably foreseen because of displacement of persons and families of low or moderate income or very low income households from within or adjacent, to the project area, because of increased employment opportunities, or because of any other direct or indirect result of implementation of the redevelopment plan. The complete text of Section 33334.2 of the Health and Safety Code and related Code Sections are attached hereto and labled appendix A to this report. The purpose of this report is to identify: 1. The existing and projected levels of low -and moderate - income housing need for the City of Azusa; 2. The existing projected levels of effort expended by the City of Azusa and the Azusa Redevelopment Agency; and 3. A finding and determination whether the Azusa Redevelopment Agency should continue to set aside a 20% or lesser share of the taxes which are allocated to the Agency pursuant to 33670. II. Background The Redevelopment Agency of the City of Azusa was activated in 1974 upon the adoption of City Ordinance No. 1055. The Azusa Central Business District Redevelopment Project Area was then established in 1978 upon the adoption of City Ordinance. On November 28, 1983, the Agency established the West End Redeve- lopment Project which became activated upon the adoption of City Ordinance No. 2196. The Redevelopment Project Areas referred to above are all identified on the Project Area Map attached hereto in Appendix B to this report. III. City of Azusa Low -and Moderate Housing Need The City of Azusa supports and endorses the State housing goal ". of a decent home and a satisfying environment for every Californian...". In addition, the City supports and endorses the five goals incorporated in present State law pertaining to the manner in which the actions of the City of Azusa must be directed so that there is adequate provision for the housing needs of all economic segments. These are summarized below (City of Azusa Housing Element): Conserve and improve the condition of the existing affordable housing stock. Assist in the development of adequate housing to meet the needs of low -and moderate -income households. Identify adequate housing sites which will be made available through appropriate zoning and development standards and with public services and facilities needed to facilitate and encourage the development of a variety of types of housing for all income groups. Address and, where appropriate and legally possible, remove governmental constraints to the maintenance, improvement, and development of housing. Promote housing opportunities for all persons regardless of race, religion, sex, marital status, ancestry, national origin or color. The City of Azusa Housing Element establishes the local goals and quantified objectives which are designed to meet a projected 5 -year housing need which is based upon projected growth; main- tainenance of a reasonable vacancy rate and replacement housing for units which are demolished or lost due to development or fires. It is projected that between the years 1984 and 1989 the City would have to accommodate up to 238 new low -and moderate - income housing units. It is further determined that new housing should accommodate the low -and moderate income housing groups as follows: 3 0 0 Income Group Number Very Low 72 units Low 88 units Moderate 78 units Furthermore, the City of Azusa is committed to the maintenance of its housing stock. This is demonstrated by an active program to assist in the rehabilitation of housing units for the low -and moderate -income housing groups. The City's goal for rehabilitation is to assist in the rehabilitation of 100 units during the five-year period between 1984 and 1989. Additional housing objectives relative to the low -and moderate - income housing need are as follows: To meet the rental housing assistance needs in existing housing units of 150 lower-income households during the next five years. To meet the owner housing assistance needs of first time buyers of moderate -income in 100 newly constructed housing units. To achieve the production of 80 new rental housing units within the financial means of low -and moderate - income households. The City of Azusa's active involvement in the housing assistance program dates back to 1977 when it initiated a housing rehabili- tation loan program under the Community Development Block Grant Program. Between 1977 and 1984 the City expended and leveraged loans to upwards of $1,192.660 to assist 165 homes in rehabilita- tion efforts alone. However, for the purposes of this report the period which is to be reported will be 1984 to 1989 which coin- cides with the five-year housing plan adopted by the City of Azusa in its Housing Element. Following is a summary of housing rehabilitation programs for the fiscal years 1983-84, 1984-85, 85-86 (projected) which illustrate the City of Azusa's committment to the rehabilitation of low and moderate income housing units: A. CDBG Low Interest Loan Program This program, started in 1977, provides 10 year, $5,000 maximum, 4% minor home improvement loans to low income households (up to $21,900 annual income per year for a family of four). The 4 P program is funded from CDBG funds monies and subsequently submitting Angeles for reimbursement. Program has been deposited into the General eventually either be returned to additional loans. Number of Loans ___ with the City advancing the a claim to the County of Los income (i.e. loan repayments) Fund, however, the funds must the County or reused to make CDBG Low Interest Loan Program (Projected) (Projected) 1983-84 1984-85 1985-86 Total Loan Value 18,000 0 0 Average Loan Value 4,500 0 B. CDBG Below Market Interest Rate Program (BMIR) M Begun in 1979, this program provides 20 year, $27,000 maximum, 6% interest rate, major rehabilitation loans to low income house- holds (same income eligibility as A above). The program is funded with CDBG funds under an interest subsidy agreement with Crocker Bank. The City of Azusa deposited $75,000 with Crocker in 1979 under a lump -sum drawdown provision of the CDBG Program. The $75,000 deposit secured a committment from Crocker Bank to originate up to $375,000 of low interest loans. Crocker Bank receives 0.35% of the monthly aggregate outstanding principal balance as compensation for its participation in the loans. The Program was temporarily interrupted in 1984 for a reevaluation of need and was reinstituted in 1984-85. The current program pro- vides a maximum $20,000 loan (6$ interest) to homeowners and $10,000 maximum loan per unit, aggregate maximum $40,000 per owner (8$ interest) for rental housing property owners. CDBG Low Interest Loan Program (Projected) (Projected) 1983-84 1984-85 1985-86 Number of Loans 4 33 8 Total Loan Value 78,400 600,000 150,000 Average Loan Value 19,600 18,000 18,000 C. Community Redevelopment Agency Rehabilitation Loan Program Begun in 1980, this program provides 20 year, $27,000 maximum, 6% interest rate rehabilitation loans to low and moderate income households (up to $26,280 annual income for a family of four). The program was established as a direct loan from the Redevelopment Agency to the borrower with the Agency servicing the loans. All loan repayments are deposited to the fund for the purpose of making new loans. The entire loan pool was fully committed by 1982-83 and as a result, no new loans were issued in 1983-84. However, repayments on principal has been recycled into the loan pool at which point in 1984-85, the Agency can infuse $40,000 into the programs which will be used in a rental rehabilitation rebate program. This program will provide rebates of 35% of the cost of rehabilitation (maximum $7000 rebate) per homeowner; and 30% reimbursement of the cost of rehabilitation work ($3000 maximum rebate per unit, $12,000 aggregate per owner) for rental occupied housing units. In 1984-85 and 1985-86 this program is projected to serve: Number of Owner occupied Units - 7 Total Rehabilitation Value - $57,000 Number of Renter Occupied Units - 7 Total Rehabilitation Value - $67,000 D. Rental Rehabilitation Grant Program The City of Azusa was awarded a $40,000 HUD grant through the Los Angeles County Community Development Commission. The funds will be administered exclusively for rental rehabilitation on a 50% matching basis with rental property owners (maximum $20,000 cumulative grant to any individual owner). It is anticipated that this program will assist in the rehabilitation of 8 apartment units in fiscal years 1984-85 and 1985-86. E. Handyman Improvement Program The City of Azusa contracts with the East San Gabriel Valley Consortium which is a non-profit organization providing fix -up and cleanup housing services to low and very low income households. The program has been funded by the City of Azusa with CDBG funds. Program activities are summarized as follows: 1983-84 Number of Units Assisted 21 (Projected) 1984-85 1985-86 22 17 F. Summary of Rehabilitation Efforts Following is a summary of rehabilitation efforts of the City of Azusa: i Program CDBG Low Interest Loans • Units Units assisted assisted Total Funding 1983- 1985- Units Source 85 86 CDBG 4 0 4 CDBG Below Market Interest Loans CRA Rehabilitation Loans CDBG 37 8 45 CRA 0 7 7 Rental Rehabilitation Grant HUD/CDBG 43 17 60 Total 84 32 116 Several supporting documents which further describe the City of Azusa's housing rehabilitation efforts are contained in the appendix to this report. It is projected that even though the City's efforts for rehabilitation between 1984-86 (projected) will exceed the City's 5 -year goal of assisting 100 units between 1984 and 1989, that further efforts will continue to be made to maintain an active housing rehabilitation program. NEW CONSTRUCTION The City of Azusa and the Azusa Redevelopment Agency have been instrumental in providing permit approval and mortgage revenue bond financing to assist in the construction of new housing units. An affordable housing unit is one which can be afforded to be purchased or rented by a household with incomes considered to be in the low income range. The household incomes and respective prices range for housing follows (to buy a house the annual income multiplied by 3.5; to rent a unit the monthly rental rate"should not exceed 25% of the monthly income): New housing units under construction and to be offered on the market at affordable prices are summarized in the following table: VA Monthly Household Annual Purchase Price Rental Price Size Income of Affordable Home of Affordable unit 2 persons $18,450 $64,575 $385 4 persons $23,050 $80,675 $480 6 persons $25,950 $90,825 $540 New housing units under construction and to be offered on the market at affordable prices are summarized in the following table: VA Table 2 Availability of New and Projected Housing Units 1984-1989 (Projected) No. of Year Low -Moderate Price Development Completed Units Range Owner or Rental Crystal Canyon 12/86 142 $65,000 Owner (total of to 365 -units) $80,000 Colony Park 1984 136 $68,000 Owner to $84,000 Pacific Glen Apartment 10/85 64 est. Rental (total of $385 to 320 -units) $540 The projects identified above are all approved projects currently on the market or under construction. These projects above increase the City's overall housing stock with the addition of 565 dwelling units of which 342 are within the low and moderate household income range. The remaining units offer opportunities for move -up housing for existing residents. This may in turn free up additional housing opportunities for lower and moderate income households who currently rent and are seeking opportunities for home purchase. In addition, the City of Azusa is pursuing several additional housing projects which are now only in the negotiations phase. They include an approved HODAG (HUD -Housing Development Action Grant) sponsored by the Los Angeles County Community Development Commission to construct approximately 120 -units including 20% low- and moderate -income housing; and the development of approximately 120 -rental units in a project located within the Azusa Central Business District. City and Agency efforts continue to be directed to the provision of new affordable housing units. V. Summary of Housing Need and Achievement of Need In summary, the City of Azusa has identified a 5 -year low- and moderate housing need (1984-1989) as follows: New housing construction by 1989 for low- and moderate -income households. Rehabilitation of existing stock. The City's efforts to accommodate the new housing construction needs in the 1989) are summarized as follows: New housing construction by 1989 for low- and moderate income households. Rehabilitation of existing stock as projected to 1986. 40 C. No. of Units needed 238 100 rehabilitation needs and same 5 -year period (1984- 342 116 Based upon this analysis, the City of Azusa is meeting its identified needs to accommodate low- and moderate -income households with existing programs already approved for funding through 1986. The City intends to utilize CDBG and other federal funds as they are available to maintain an active housing maintenance program. Based upon this, it is found that, pursuant to Section 33670 of the Health and Safety Code that a substantial effort to meet low -and moderate income housing needs in the Community is being made, and that this effort including the obligation of funds currently available for the benefit of the community from state, local and federal sources for low- and moderate -income housing above, is equivalent in impact to the funds otherwise required to be set aside pursuant to said section. Furthermore, that the Agency has not taken any actions to displace households and that any future actions within the next 3 -years (ending in 1989) which may displaced low- and moderate -income households can be accommodated by replacement housing which is currently approved and projected to be available on the market prior to 1989. GW:tmb 0 0 APPENDIX A 0 Section 33334.2 of the Health and Safety Code and Related Code Section 0 (3) A time limit, not to exceed 12 years, for commencement of eminent domain proceedings to acquire property within the project area. Such time limitation may be extended only by amendment of the redevelopment plan. This section shall apply only to redevelopment projects for which a final redevelopment plan is adopted pursuant to Article 5 (commen- cing with Section 33360) of this chapter on,or after October 1, 1976. 33333.3. The redevelopment agency shall send a notice of preparation to each affected taxing entity, as defined in Section 33353.2, and a copy of a draft environmental impact report to each affected taxing entity and the fiscal review committee, if one is created, prepared in accordance with the provisions of the California Environmental Quality Act, Division 13 (commencing with Section 21000) of the Public Resources Code, and regulations adopted pursuant thereto. In the event a fiscal review committee is created, the draft environmental impact report shall be sent to the fiscal review committee prior to the time, -or at the same time, that the redevelop- ment plan is sent to the chairperson of the fiscal review committee pursuant to Section 33353.4. 33334. Every redevelopment plan shall describe generally the proposed method of financing the redevelooment of the project area. 33334.1. If the plan authorizes the issuance of bonds to be repaid in whole or in part from the allocation of taxes pursuant to Section 33670, the plan shall establish a limit on the amount of bonded indebtedness which can be outstanding at one time without an amendment of the plan. This section shall apply only to redevelopment plans adopted on or after October 1, 197- 33334 .2. 976 33334.2. (a) Not less than 20 percent of all taxes which are allocated to the agency pursuant to Section 33670 shall be used by the agency for the purposes of increasing and improving the community's supply of low- and moderate -income housing available at affordable housing cost, as defined by Section 50052.5,* to persons and families of low or moderate income, as defined in Section 50093, and very low income households, as defined in Section 50105,* unless one of the following findings is made: (1) That no need exists in the community to improve or increase the supply of low- and moderate- income housing in a manner which would benefit the project area. (2) That some state percentage less than 20 percent of the taxes which are allocated to the agency pursuant to Section 33670 is sufficient to meet the housing need. (3) That a substantial effort to meet low- and moderate -income housing needs in the community is being made, and that / this effort, including the obligation of funds currently available for * See Appendix 3, p. A-17 c c the benefit of the community from state, local, and federal sources ` for low- and moderate -income housing alone or in combination with the taxes allocated under this section, is equivalent in impact to the funds otherwise required to be set aside pursuant to this section. The legislative body shall consider the need that can be reasonably foreseen because of displacement of persons and families of low or moderate income or very low income households from within or adjacent, to the project area, because of increased employment opportunities, or because of any other direct or indirect result of implementation of the redevelopment plan. (b) Within 10 days following the making of a finding under subdivision (a), the agency shall send the Department of Housing and Community Development a copy of the finding, including the factual information supporting the finding. (c) In any litigation to challenge or attack a finding made under subdivision (a), (b), or (c), the burden shall be upon the agency to establish that the finding is supported by s evidence in light of the entire record before the agency. ubstantial (d) Nothing in this section shall be construed as relieving any other public entity or entity with the power of eminent domain of any legal obligations for replacement or relocation housing arising out of its activities. (e) In carrying out the purpose of this section, the agency may exercise any or all of its powers, including the following: (1) Acquire land or building sites. (2) Improve land or building sites with onsite or offsite improvements. (3) Donate land to private or public persons or entities. (9) Construct buildings or structures. (5) Acquire buildings or structures. (6) Rehabilitate buildings or structures. (7) Provide subsidies to, or for the benefit of, very low income households, as defined by Section 50105,* lower income house- holds, as defined by Section 50079.5,* or persons and families of low or moderate income, as defined by Section 50093.* loans, adv(8) Develop e elo p plans, aOay indebednesrincipal and interest on bonds, charges. Pay Financing or carrying 4 0 (f) The agency may use .these funds to meet, in whole or in part, the replacement housing provisions in Section 33413. However, nothing in this section shall be construed as limiting in any way the require- ments of that section. (g) The agency may use these funds inside or outside the project area. The agency may only use these funds outside the project area upon a resolution of the agency and the legislative body that such use will be of benefit to the project. The determination by the agency and the legislative body shall be final and conclusive as to the issue of benefit to the project area. The Legislature finds and declares that the provision of replacement housing pursuant to Section 33413 is always of benefit to a project. Unless the legislative body finds before the redevelopment plan is adopted, that the provision of low -and moderate -income housing outside the project area will be of benefit to the project, the project area shall include property suitable for low- and moderate -income housing. (h) The Legislature .finds and declares that expenditures or obligations incurred by the agency pursuant to this section shall constitute an indebtedness of the project. (i) The requirements of this section shall only apply to taxes allocated to a redevelopment agency for wnicn a final redevelopment plan is adopted on or after the effective date of this section, or for any area which is added to a project by an amendment to a redevelop- ment plan, which amendment is adopted on or after the effective date of this section. An agency may, be resolution, elect to make all part of the requirements of this section or applicable to any redeveloo- ment project for which a redevelopment plan was adopted prior to January 1, 1977, subject to any indebtedness incurred prior to the election. (j) (1) Notwithstanding Sections 50079.5, 50093, and 50105, for purposes of providing assistance to mortgagors participating in a homeownership residential mortgage revenue bond program pursuant to Section 33750, or a home financing program pursuant to Section 52020, or a California Housing Finance Agency home financing program, " median income" means the highest of the following: area (A) Statewide median household income. (B) Countywide median household income. (C) Median family income for the area, as determined by the United States Department of Housing and Urban Development with respect to either a standard metropolitan statistical area or an area outside of a standard metropolitan statistical area. Nothing in Section 50093 shall prevent the agency from adopting separate family size adjustment factors or programmatic definitions of income to qualify households, persons, and families for the programs { of the agency. (2) To the extent that any portion of the Low and Moderate Income Housing Funds is expended to provide assistance to mortgagors participating in programs whose income exceeds that of persons and families of low or moderate income, as defined in Section 50093, the agency shall, within two years, expend or enter into a legally enforceable agreement to expend twice that sum exclusively to increase and improve the community's supply of housing available at affordable housing cost, as defined in Section _50052.5, to lower income households, as defined in Section 50079.5, of which at least 50 percent shall be very low income households, as defined in Section 50105. (3) In addition to the requirements of subdivision (c) of Section 33413, the agency shall require that the lower and very low income dwelling units developed pursuant to this subdivision remain available at affordable housing cost to lower and very low income households for at lest 30 years, except as to dwelling units developed with the assistance of federal or state subsidy programs which terminate in a st.)rter.period and cannot be extended or renewed. (4) The ageicy shall include within the report required by Section 33080 informa=ion with respect to compliance by the agency with the requirements of this subdivision. 33334.3. The funds which are required by Section 33334.2 to be used for the purposes of increasing the community's supply of low- and moderate -income housing shall be held in a separate Low and 1oderate Income Housing Fund until used. Anv interest earned by the Low and 'loderate Income Housing Fund shall accrue to the fund and may only be used in the manner prescribed in Section 33334.2. 33334.5. Every redevelopment plan adopted or amended to expand the project area after January 1, 1977, shall contain a provision that whenever dwelling units housing persons and families of low or moderate income are destroyed or removed from the low- and moderate -income housing market as part of a redevelopment project, the agency shall, within four years of such destruction or removal, rehabilitate, develop, or construct, or cause to be rehabilitated, developed, or constructed, for rental or sale to persons and families of low or moderate income an equal number of replacement dwelling units at affordable housing costs, as defined by Section 50052.5,* within the project area or within the territorial jurisdiction of the agency, in accordance with all of the provisions of Sections 33413 and 33413.5. 33335. Every redevelopment plan shall provide for the agency to lease or sell all real property acquired by it in any project area, except property conveyed by it to the community. ' See Appendix 3, p. A-17 C Appendix 3 - Health and Safet •� n ���i i.ar. oecUa s reterred to in Sect to in Sections 2'i7 on 4 A tion 50052.5 (as referred to in Sections 33334.2. 50053 as reterred to in Section 50052.5); Section on 33334.2 and Section 33760.5 ; Section 50093 as 34.2. 33411.2, 33413.7, 33464. 33478.1. 3487, 3 as reterred to in Sections 33447 and 33449 under 41056. and as referred to in Government Code 105 as referred to ;� so ,; •» ��, a„w aoiou.o, ana as referred to n ious Section number of 41067. Also as reterred to in Sections 50052.5 A"ri 7 50052.5. "Affordable housing cost" means, with respect to lower income households, housing cost not exceeding 25 percent of gross income. The department shall, by regulation, adopt criteria defining, and providing for determination of, gross income and housing cost for purposes of determining affordable housing cost for lower income households under this section. Such regulations may provide alternative criteria, where necessary to be. consistent with pertinent federal statutes and regulations governing federally assisted housing. The agencv may, by regulation. adopt alternative criteria, and pursuant to subdivision (f) of Section 50462, alternative Percentages of income may be adopted for agencv-assisted housing developments. With respect to lower income households who are tenants of rental housing developments and members of shareholders of cooperative housing developments or limited equity cooperatives, "affordable housing cost" has the same meaning as affordable rent, as defined in Section 50053. Regulations of the department shall also include a method for determining the maximum construction cost, mortgage loan, or sales price that will make housing available to an income group at affordable housing cost. 50053. "Affordable rent" means, with respect to lower income households, rent not in excess of the percentage of the gross income of the occupant person or family established by regulation of the department, and which shall not exceed 25 percent of gross income nor be less than 15 percent of gross income. Such regulations shall permit alternative percentages of income for aeenev-assisted rental and cooperative housing developments pursuant to regulations adopted under subdivision (f) of Section 50462. The department shall, by regulation, adopt criteria defining, and providing for determination of, gross income and rent for purposes of this section. Such regulations muy provide alternative criteria, where necessary to be consistent with pertinent federal statutes and revelations governing federally assisted rental and cooperative housing. The agency may. by regulation, adopt alternative criteria, and pursuant to ngency-assim subdivision (f) of Section 50362, alternative percentages of income may be adopted for sted housing developments. 50079.5. "Lower income households" means persons and families whose income does not exceed the qualifying limits for lower income families amended from time to time pursuant to Section 8 of the as established and United States Housing :pct of 1937. The limits shall be published by the department in the California Administrative Code as soon as possible after adoption by the Secretary of Housing and Urban Development. In the event such federal standards are discontinued, the department shall, by regulation, establish income limits for lower income households for all geographic areas of the state at 80 percent of area median income, adjusted for family size and revised annually. As used in this section, "area median income" means the median family income of a geographic area of the state. 50093. "Persons and families of low or moderate income" means persons and families whose income does not exceed 120 percent of area median income, adjusted for family size by the department in accordance with. adjustment factors adopted and amended from time to time by the United States Department of Housing and Urban Development pursuant to Section 8 of the United States Housing Act of 1937. Such income limits shall be published as regulations by the department. However,the agency and the department jointly, or either acting with the concurrence of the Secretary of the Business and Transportation Agency, may permit the agency to use higher income limitations in designated geographic areas of the state, upon a determination that 120 percent of the median income in the particular geographic area is too low to qualify a substantial number of persons and families of low or moderate income who can afford rental or home purchase of housing financed pursuant to Part 3 (commencing with Section 50900) without subsidv. "Persons and families of low— or moderate income" includes veru loty income households, as defined in Section 50105 and lower income households as defined in Section 50079.5, and includes persons of low income, persons and families of moderate income, and middle-income families. As used in this division: (a) "Persons of low income" means persons or families who are eiigible for financial assistance specifically provided by a governmental. agency for the penent of occupants of housing financed pursuant to this division. (b) "Persons and families of moderate income" or "middle-income families" means persons and families of low or moderate income whose income exceeds the income limit for lower income households. As used in this section, "area median income" means the median family income of a geographic area of the state, as annually estimated by the United States Department of Housing and Urban Development pursuant to Section 8 of the United States Housing Act of 1937. In the event such federal determinations of area median income are discontinued, the department shall establish and publish as regulations income limits for persons and families of low or moderate income for all geographic areas of the state at 120 percent of area median income, adjusted for family size and revised annuallv. The department shall establish and publish a general definition of income, including inclusions, exclusions. and allowances, for cuslifying persons under the income limits of this section and Sections 50079.5 and 50105, to be used where no other federal or state definitions of income ap established by regulation. ply. Such definition need not be Nothing in this division shall prevent the agencv or the department from adopting separate family size adjustment factors or programmatic definitions of income to qualify households, persons, and families for programs of the agencv or department, as the case may be. 50105. "Very low income households" means persons and families whose incomes do not exceed the qualifying limits for very low income families as established and amended from time to time pursuant to Section 8 of the United States Housing Act of 1937. Such limits shall ,)e published by the department in the California Administrative Code as soon as possible after adoption by the Secretary of Housing and Urban Development. In the event such federal standards are discontinued, the department shall, by regulation, establish income limits for very low income households for all geographic areas of the state at 50 percent of area median income, adjusted for family size and revised annually. As used in this section, "area median income" means the median family income of a geographic area of the state. 50462. The department may initiate, develop, and propose regulations for adoption by the agency and review regulations proposed by the board prior to their taking effect, with respect to the following: (a) Standards for affirmative marketing programs of housing sponsors seeking financial assistance from the agencv. (b) Criteria for certifving that the sale or conveyance of real orooertv pursuant to Section 51061 or Section 51251 will primarily benefit persons and families of low or moderate income living in a housing development or a residential structure. (c) Regulations permitting grants to be made by the agencv to housing sponsors for the purpose of attaining affordable rents in housing developments financed by the agency. Such grants shall not be made with moneys derived from the sale of bonds. (d) Regulations governing payments, procedures, and eiigibility for relocation assistance for individuals and families displaced by actions of the agency or of housing sponsors of housing developments or neighborhood improvement loans. (e) Criteria for qualification of persons, families, and households as persons and families of low or moderate income, lower income households, or veru loty income households. (f) Regulations establishing the maximum percentage of income which may be paid by persons and families of low or moderate income for housing cost within the meaning of the term affordable housing cost, as defined in Section 50052.5. (g) Regulations designating geosraohical areas of need throughout the state for housing construction or rehabilitation. as identified in the California Statewide Housing Plan, identifying housing markets in which insufficient financing is available for purchase or rehabilitation of existing housing, identifying types of households with particularly severe housing needs, or establishing priority criteria for the selection of homes and projects to be financed as housing developments or neighborhood improvement loans. (h) Criteria for inclusion of nonhousing facilities in housing developments financed by the agency. Regulations proposed by the agencv in such areas of responsibility shall not take effect without concurrence of the director, the Secretary of the Business and Transportation Agency, or a representative of the secretary specifically designated for such review and approval. Appendix 4 - Government Code. Section6063, as referred to in Section 33348.5 and 33452 of the Community Redevelopment Law. 6063. Publication of notice pursuant to this section shall be once a week for three successive weeks. Three publications in a newspaper regularly published once a week or oftener, with at least five days intervening between the respective publication dates not counting such publication dates, are sufficient. The period of notice commences upon the first day of publication and terminates at the end of the twenty- first day, including therein the first day. Appendix 5 - government Code. Section 65402. as referred to in Section 33352(h) of the Community Redevelopment Law. 65402. (a) If a general plan or part thereof has been adopted, no real property shall be acquired by dedication or otherwise for street, square, park or other public purposes, and no real property shall be disposed of, no street shall be vacated or abandoned, and no public building or structure shall be constructed or authorized. if the adopted general plan or part thereof applies thereto, until the location, purpose and extent of such acquisition or disposition, such street vacation or abanconment, or such public building or structure have been submitted to and reported upon by the planning agency as to conformity with said adopted general plan or part thereof. The planning agency shall render its report as to conformity with said adopted general Dian or part thereof within forty (40) days atter the matter was submitted to it, or longer period of time as may be designated by the legislative boay. such If the legislative body so provides, by ordinance or resolution, the provisions of this subdivision shall not apply to: (1) the disposition of the remainder of a larger parcel which was acquired and used in part for street purposes; (2) acquisitions, dispositions, or abandonments for street widening; or (3) alignment projects, provided such dispositions for street purposes, acauisitions, dispositions, or abandonments for street widening, or alignment projects are of a minor nature. (b) A county shall not acquire real property for any of the purposes specified in paragraph (a), nor dispose of any real property, nor construct or authorize n public building or structure, in another county or within the corporate limits of a city, if such city or other county has adopted a general plan or part thereof and such general plan or part thereof is applicable thereto, and a city shall not acquire real property for any of the purposes specified in paragraph (a), nor dispose of any real property, nor construct or authorize a public building or structure, in another city or in unincorporated territory, if such other city or the county in which such unincorporated territory is situated has adopted a general plan or part thereof and such general plan or part thereof is applicable thereto, until the location, purpose and extent or such acquisition, disposition, or such public building or structure have been submitted to and reported upon by the planning agency having jurisdiction, as to conformity withsaid adopted general plan or part thereof. Failure of the planning agency to report within < C APPENDIX H A Redevelopment Project Area Map 0 i LEGEND Azusa Central Business District Project Area Azusa West End Project Area -I PA CEL 2 I :I r tl I` I ('IT1 OF itZUSA i 4 clrY OF AZUS� �.V. W9.ED Aj fl il PARCEL 1 - :C �� , �� .. .1 � 1 1(�� �; ;-��r•�-,fit ; r ,r' , r_���� � ( � U < �',.�{ 1� f(' iy l• �� � ¢.-SIL`] ��.,- _ i APPENDIX C Housing Rehabilitation Project Descriptions COMMUNITY REDEVELOPMENT AGENCY I N F O.R H A T I 0_N JANUARY 11, 1984 ----------- TO: HONORABLE MAYOR, CITY COUNCIL AND ACTING CITY ADMINISTRATOR FROM: GARY WERNER, CDBG PROGRAM COORDINATOR ROBB STEEL, ASSISTANT CDBG PROGRAM COORDINATOR SUBJECT: HOUSING REHABILITATION PROGRAMS BACKGROUND On December 19, 1983 the City Council continued discussion on the attached reoort regarding alternative means for administering the City's housing renabilitation programs. The report recommended that the City Council authorize staff to ascer- tain the amount of funds available in each of the loan pools and then authorize preparation of a Request For Proposals (RFP) for housing rehabilitation program administration services. However, the City Council expressed its desire to first review the pertinent financial information before deciding how to administer the programs. Staff has researched the financial records and the data is provided herein for your review and consideration. The City's contract for administration services with Bill Bond and Associates expired on December 31, 1983. DISCUSSION The City of Azusa and the Azusa Redevelopment Agency administer three (3) housing improvement/rehabilitation loan programs. These programs are briefly described below: A. CDBG Low Interest Loan Proqram This program, started in 1977, provides 10 year, ;5,000 maximum, 47� minor home improvement loans to low income households (up to 521,900 annual income per year for a family of four). The program is funded from CDBG funds with the City ad- vancing the monies and subsequently submitting a claim to the County of Los Angeles for reimbursement. Program income (i.e. loan repa?nnents) has been deposited into the General Fund, however, the funds must eventually either be returned to the Continued... POMP /9111 114_St'lt 0 Housing Rehabilitation Programs Page Two January 11, 1984 County or reused to make additional loans the last 7 years: TABLE 1 0 Table 1 shows this program's activity over 1First 6 months of 1933-34 SOURCE: Azusa Finance Department, Project Files If approved by the City Council, the $85,000 available fund balance could be used (using a $5,000 average loan value, excluding administrative costs) to issue 17 new loans. Apparently, few loans were made under this program in 1982-83 and 1983-34 because program income of $64,214 has not repaid to the loan pool for reuse. B. CDBG Below Market Interest Rate Program IC IR) Begun in 1979, this program provides 20 year, :27,900 maximum, 6"1 interest rate, major rehabilitation loans to low income households {same income eligibility as A above), The program is funded with CDBG funds under an interest subsidy agreement with Crocker Bank. The City of Azusa desposited $75,000 with Crocker in 1979 under a lump -sum drawndown provision of the CDBG Program. The $75,000 deposit secured a cemmittment from Crocker Bank to originate up to $375,000 of lora interest loans. Crocker Bank receives 0.351 of the monthly aggregate outstanding principal balance as compensation for its participation in the loans. Table 2 shows this Program's activity: Continued... CDBG Low Interest Loan Program 77-78 78-79 79-80 80-81 81-82 82-83 83-841 TOTALS Number of Loans 4 6 16 8 2 , 1 1+ 33 Total Loan Value $9,000 16,700 44,700 21,500 8,000 5,000 5,000' ^' 5109,900 Average Loan Value $2,250 2,730 2,790 2,690 4,000 5,000 5,000 2,892 Cumulative Annual Repayment (1977-83) - - _ - - - $64,214 Current Estimated Fund Balance $85,C00 1First 6 months of 1933-34 SOURCE: Azusa Finance Department, Project Files If approved by the City Council, the $85,000 available fund balance could be used (using a $5,000 average loan value, excluding administrative costs) to issue 17 new loans. Apparently, few loans were made under this program in 1982-83 and 1983-34 because program income of $64,214 has not repaid to the loan pool for reuse. B. CDBG Below Market Interest Rate Program IC IR) Begun in 1979, this program provides 20 year, :27,900 maximum, 6"1 interest rate, major rehabilitation loans to low income households {same income eligibility as A above), The program is funded with CDBG funds under an interest subsidy agreement with Crocker Bank. The City of Azusa desposited $75,000 with Crocker in 1979 under a lump -sum drawndown provision of the CDBG Program. The $75,000 deposit secured a cemmittment from Crocker Bank to originate up to $375,000 of lora interest loans. Crocker Bank receives 0.351 of the monthly aggregate outstanding principal balance as compensation for its participation in the loans. Table 2 shows this Program's activity: Continued... �J 1 Housing Rehabilitation Programs Page Three January 11, 1984 Number of Loans Total Loan Value Average Loan Value TABLE 2 CDBG BMIR Loan Activi 1979-80 80-81 81-82 7 2 1 0 82-83 3 MM H TOTALS 17 $75,860 40,000 25,000 55,900 78,400 $275,10'0 $10,837 20,000 25,000 18,633 19,600 $ 16,186 Current Estimated Fund Balance $28,000 Crocker Bank has recently had a complete changeover in their Community Develooment Department staff. The City will be working with Crocker in the weeks ahead to resolve several minor problems and reconcile the various accounts on deposit with them. C. Community Redevelopment Aqency Rehabilitation Loan Proqram Begun in 1980, this program provides 20 year, $27,000 maximum, 6; interest rate rehab- ilitation loans to low and moderate income households (up to 526,230 annual income for a family of four), The program was established as a direct loan from the Redevelopment Agency to the borrower with, the Agency servicing the loans. All loan repayments are deposited to the fund for the purpose of making new loans. Table 3 shows the Program's activity over the last 4 years: 1980-81 Estimated Loan Fund $300,000 Number of Loans 5 Total Loan Value $ 73,250 Average Loan Value $ 14,650 Estimated Annual Repayment (PgI) $ 3,000 Continued... TAELE 3 CRA Loan Activity 81-82 82-33 229,750 96,250 10 6 147,500 95,150 14,250 15,858 9,000 14,000 83-34 15,100 0 0 0 24,000 Current Estimated Outstanding Principal Balance $295,000 Lurrent Estimated Loan Fund Balance $ 23,000 TOTALS N/A 21 $310,900 S 14,806 S 50,CCO Housing Rehabilitation Programs ` Page Four January 11, 1984 Based upon the loan repayment rate and the current loan fund balance, it is estimated that up to four loans could be made under the program in 1984-85. D. Administrative Costs The City of Azusa has contracted with Bill Bond and Associates for housing rehabilitation administration services. The firm submits two (2) separate invoices each month: one for the Low Interest Loan Program (LILP) and one for the Crocker Bank and Cocanunity Redevelopment Agency Below Market Interest Rate (BMIR) Programs. Table 4 depicts the relationship between administrative costs and loan origination activity from 1980-83: TABLE 4 Administrative Costs Number of Loans Loan Value Estimated Admin. Costs Admin. Costs/Loan Admin. Costs/Loan Value Number of Loans Loan Value Estimated Admin. Costs Admin. Costs/Loan Admin. Costs/Loan Value 1980-81 7 $113,250 5 8,330 5 1,190 7.4*" 1980-81 8 $21,500 S 5,500 $ 693 2 6" SOURCE: Finance Department Continued... BI'iIR 1981-82 11 167,500 18,247 1 ,658 10.9°6 LILP 1931-82 2 8,000 7,000 3,533 88 1982-33 1983-34 9 151,050 78,400 9,159 6,014 1,017 1,504 1982-83 1 5,000 5,500 5,500 110°6 1983-84 5 ,000 2,500 2,500 50 TOTALS 31 510,200 41 ,750 > 1,346 TOTALS 12 539,500 320,500 5 1 ,708 C Housing Rehabilitation Programs Page Five January 11, 1984 The data indicate that the BMIR Programs have been administered relatively effeciently over the last 3 years with administrative costs averaging 8.2% of loan value. Conversely, the data indicate that the LILP Program has incurred excessive administrative costs rela- tive to loan volume. This occurred because the number of new loans decreased yet admin- istrative costs remained relatively stable. Although few new loans were originated, the City paid for services to receive inquiries and commence loan processing. As a result, the administrative cost to loan value ratio was excessive. Part of the problem may have been that the Bond's were not aware of the program income available for reuse and thus the program was not aggressively marketed. CONCLUSIONS AND RECOMMENDATIONS Based upon the foregoing financial data, the City of Azusa has the financial resources to originate approximately 17 low interest loans and 2 - 4 Community Redeveiooment Agency loans, excluding administrative costs. This level of activity could probably support employment of one full-time staff person fora short period of time (4-6 months). Once the loan pool was depleted, there would be no further need for the staff person. The City Council will soon be considering the use of unexpended and 10th Program Year CDBG Funds. Housing rehabilitation is an important and documented need of the community and a program highly encouraged by HUD. As a result, the City may consider supplementing the various loan pools with CDBG funds. However, rather than just augment the existing loan pools, the City should first evalu- ate the appropriateness and effectiveness of its current programs in meeting the City's needs. With information supplied by the soon to be completed Housing Element, the City may wish to redefine its housing rehabilitation program objectives and thus alter the types of programs it offers. This, and the level of financial committment, would obviously affect the choice of administrative organizations. Because it is difficult, if not impossible, to recommend the most efficient course of action with respect to housing rehabilitation administration services without knowing the approximate level of future financial cemmittment, the program type and scope, staff recommends that the City Council take the following interim actions: 1. Temporarily discontinue accepting new loan applications. Since the contract with Bill Bond and Associates expired on December 31, 1933, there is no formal administrative staff for the program. Existing loans --approved or underway -- would be administered by existing staff 2nd phone inquiries will be received and logged. City Council action will be necessary to reinstate new, revised or existing programs. 2. Authorize staff to further evaluate the existing housing rehabilitation programs and their effectiveness at meeting the City's needs. This evaluation would rely heavily upon the soon to be comoleted Housing Element for definition of the City's needs, goals and objectives. This evaluation would result in recommendations to revise the City's housing program. Continued... Housing Rehabilitation Programs Page Six January 11, 1984 3. Consider allocating sufficient CABG or other funds to the housing rehabilitation activity. Based upon the results of these actions, the City can then choose the most effective means of administering its housing programs. /tdb EXIIIBIT A 3 PAGE 1 OF COUNTY OF LOS ANGELES COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM PROJECT' DESCRII'1'ION 1. OPERATING AGENCY: 2. PROJECT NAME: CITY OF AZUSA 213 E. Foothill Blvd. HOUSING REHABILITATION Azusa, CA 91702 3. PROJECT NUMBER: 4. ORIGINAL 840.032 x AMENDMENT NUMBER_ 11/12/84 S. DESCRIPTION Briclly describe the project identifying all major activities to be undertaken. Indicate if this project is new, continuing or multi-year. The purpose of this project is to provide low interest home improvement loans or rebates to qualified low -and moderate income homeowners throughout the City of Azusa and law interest loans, rebates, or grants to qualified owners of multiple -family dwelling units. Specifically, the project consists of the following: (see page 3) XAdditional sheets attached. 6 mcivrION Indicate the address or boundaries of the project :rod the census tract in which it is located. A map identifying the project location must be attached. Citywide Program: Census Tracts 4006, 4008, 4040, 4041, 4042, 4043, 4044, 4045 7. ELIGIBILITY This project is eligible under 24CFR 570. 202 (b) & COMPLIANCE WITI1 PRIMARY OBJECTIVE All projects must meet one of three national objectives. This project falls within the following standard: (check only one) x Activities beneliting low and moderate income persons, under 24CFR 570.901 (b) (1) (iv) If this project has an area -wide benefit, the percentage of low and moderate income persons to benefit, as indicated by the 1980 census. is . Activities which aid in the prevention or elimination of slums or blight, under 24CFR 570.901 (h) (2) . If the project will be undertaken in a slum or blighted arca, hes the arca been designated a Redevelopment Project Area? If not. has the area been formally approved by the CDC as blighted? _. Activities designed to meet community development needs having a particular urgency, under 24CFR 570.901 (b) (3). ExIuuIT A PAGE 2 OF OPERATING AGENCY PROJECT NUMBER CITY OF AZUSA __. ___ -------84C-O32 __..._. 3 9. AREA'f0 BENEFIT FROM TRE PROJECT Residents of the following census tracts, enumeration districts, or block groups will benefit from this project (Identify the service area on the required project map.) CITYWIDE 10. IMPLEMENTATION SCIIEDULE AND ACCONIPLISIINIEN•IS Identify specific tasks and the estimated tine francs fur their completion. A. Select Housing Rehabilitation Consultant B. Select Lending Institution C. Market Program D. First Loan/Rebate Approved E. Estimated Number of Rebates F. Estimated Number of Loans U. PROJECT• AD1%IINISTRAf1ON Identify the entity implementing the project. City of Azusa Community Development Department/CDBG Office 12. PROFESSIONAL SERVICES If consultants will be used, describe their role. Completed ( 9/84) Completed (11/84) November 1984 (ongoing) January 1984 15-20 units 28-34 units A. To administer the Housing Rehabilitation Program. This includes program development, marketing, application process inq and 61 igibiIity determinations, work write-ups, bid preparation, construction inspection, and Iiason with Bank or City Finance Department. The consultant was selected in accordance with OMB Circular A-102. 13. INSURANCE The operating agency shall comply with the insurance reyuirenents described in Attachment I to this Exhibit A for rhe term of this project. 14. SPECIAL CONDITIONS 0 •` PAGE'3 Program Discription (continued) 5. DESCRIPTION (continued) Owner -Occupied Properties (low -and moderate income households) 6% low interest loans; maximum loan of $20,000; maximum term of 15 years 35% rebate; $7,000 maximum per household Deferred loans for households otherwise unable to qualify for low interest loans or rebates. Owner -Occupied (Non low -and moderate -income households) Same programs as above except that only health and safety code deficiencies can be addressed. Renter -Occupied Properties 8% loans to owners of rental properties primarily occupied by low -and moderate -income tenants; $10,000 maximum per unit; $40,000 maximum per owner; owner agrees to maintain rent affordability. 30% rebates to owners of rental properties primarily occupied by low -and moderate -income tenants; $3,000 maximum per unit; $12,000 per owner. Owner agrees to maintain rent affordability. Deferred payment loans or low-interest loans up to a maximum of $5,000 per unit under the Rental Rehabilitation Grant Program. Continued .................... 0 • PAGE 3 Program Description (conintued) The City of Azusa has contracted with a private consultant to administer the program. The allocation of funds is as follows: CDBG Lump -Sum Deposit Rebates Rental Rehab Grant Funds Administration Source of Funds 1 $190,000 2 40,000 3 40,000 4 40.000 TOTAL: $310,000 $125,000 CDBG + $65,000 Program Income $ 40,000 Community Redevelopment Agency Funds $ 40,000 Grant under Rental Rehab Program $ 40,000 CDBG TRANSCRIPT OF A PORTION OF THE REDEVELOPMENT AGENCY MEETING OF APRIL 1, 1985 WITH REGARD TO LOW AND MODERATE INCOME HOUSING NEEDS. WOOD: Mr. Chairman, Item #3 is a resolution finding that a substantial effort is+being made to meet low and moderate income housing needs. The recommendation in this case is to adopt Resolution No. 188. Again, Mr. Werner is present, should there be any questions in this matter, and the City Attorney has also reviewed the document. LATTA: Don't we want to hold this over until Mr. Werner has time to review it? WERNER: Mr. Chairman and members of the Agency, my name is Gary Werner, Vice President of Municipal Services. I have had an opportunity to review the document and there were no substantial changes to it. I would, however, like for the record, to indicate a few points. No. 1. We made reference to the City's Housing Element, we would like to incorporate that as an appenda-ge to the report. Secondly, the purpose in making the findings that we're recommending here, is in order to free up tax increment revenues of. the Redevelopment Agency that have up to this point been set aside for low, moderate income housing purposes. The reasons for freeing up those funds, of course, would be to commit to redevelopment activities that the Agency is now pursuing, and that within approximately 60 days, we'll, the Agency will.be in a position of committing those funds through public financing and these funds, are indeed needed for that purpose. So, I just wanted to make those few points as a matter of record. Upon approval of this, staff will then, as required by law, transmit these documents up to the State and have them review it for any comment that they make. So, if they want to make any comments. MOSES: Do you have any questions? If there are none, then thank you Mr. Werner. THORSON: I have two comments, Mr. Chairman. First of all, I have reviewed this and talked quite a bit with Gary about it, and I have no doubt that you have met the findings require- ment of Health and Safety Code Section 33334.2, so that you will be able to free up approximately, quite a bit of money per year, to use for redevelopment projects. Most of which, incidentally, will probably benefit low and moderate income housing in the project areas, anyway. The only other comment I have is a slight reorganization of the section numbers. The first three paragraphs are actually findings and should be so noted. And then, the second three paragraphs should be redesignated as 1 TRANSCRIPT -.REDEVELOPMENT AGENCY MEETING OF APRIL 1, 1985 PAGE TWO THORSON(CONT.): paragraphs 2 through 4, which I have already done on your copies. If you have any further --without any further questions or comments, I'll read the title of the resolution, MOSES: OK. Please do. THORSON: This will be Resolution No. 188. A Resolution of the Redevelopment Agency of the City of Azusa finding that a substantial effort is being made to meet the need for low and moderate income housing within the City of Azusa. And the appropriate action if you wish to adopt this, is to waive further reading and adopt. MOSES: OK. Will someone offer to waive further reading and adopt? _ COOK: So moved. CAMARENA: Second. MOSES: Roll Call. LARA: Motion is carried unanimously.-