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Findings & Recommendations
The Florida Affordable Housing Study
The Florida Housing Study Commission recently released their Annual Report for
2001 that members and housing advocates should enjoy.
* Maximum Affordable Housing
Cost Represents the Generally Accepted Standard of Spending Not More than 30% of
Income on Housing Costs
* AIM=Area Median Income (HUD, 2000)
* FMR-Fair Market Rent (HUD, 2001)
Importance of the U.S. Census: To acquire an accurate assessment of housing
need, the public and private sectors should work in conjunction with the Federal
government during Census years to carry out an intensive publicity campaign encouraging
households to fill out their Census forms.
Local Inclusionary Housing and Linkage Fee Ordinances: Local governments
should consider adopting land use ordinances, such as inclusionary housing and linkage
fees, to strengthen the community's capacity to provide affordable housing.
Addressing Substandard Housing: In order to eliminate substandard housing
and life safety issues, local governments should implement fee-based periodic inspection
programs to address code violations of single- and multifamily rental units.
Finding Other State Funds to Work for Affordable Housing: The Florida Housing
Finance Corp. should develop and administer a single family pension fund and targeted
to lower income homeowners.
Use TANF Funds for Housing
Alternative Models that Promote Affordable
Housing: The state and local governments should recognize the importance of
community land trusts and support their efforts to provide affordable housing in
In setting procedures for the Individual Development
Account program funded with TANF, Workforce Florida, Inc. should require a financial
and economic literacy component
The Florida Housing finance Corp. should continue
to provide a point incentive in its competitive rental applications to developers
who elect to provide a down payment assistance program for tenants.
Local SHIP administrators should consider developing
an IDA program by bringing in funds from such sources as financial institutions,
employers and the local government in order to offer assistance to those seeking
The Florida Legislature should restore funding
for the "Temporary Financial Assistance for Homeless Families" Program
at a minimum of $5 million annually.
The Florida Legislature should appropriate TANF
funds for short term (120 days or less) tenant based assistance and/or the state's
"maintenance of effort" matching funds for longer term tenant based rental
Because the purpose of TANF funds is to supplement
state funds, the Florida legislature should not supplant general revenue funded
programs with TANF funds.
Combating NIMBYism ("Not in My Back Yard-ism"): Where the proper
land use classification and zoning are already in place, affordable housing developments
should not be penalized for a lack of local government support in the selection
process for government funding. Working together, the Fl. Housing Finance Corp.
and the Dept. of Community Affairs should fund the creation and ongoing implementation
of a NIMBY education strategy.
Community Reinvestment: A nonprofit, statewide community organization should
provide education, training, and advocacy on community reinvestment efforts in Florida.
Insurance Reinvestment: The Governor and Insurance Commissioner, working
with housing and community development advocates, should solicit the largest insurance
companies doing business in the state to create a California IMPACT-type organization
to do business in Florida by 2003. Should a voluntary program not be created by
2003, the legislature should enact insurance reinvestment legislation.
Employer Assisted Housing: The FL. Housing Finance Corp. should develop
an employer assisted housing program similar to those in the States of Maryland
or New Jersey, and include a marketing campaign to promote participation by Florida's
employers. Local SHIP administrators should consider promoting employer assisted
housing programs for purchase of a home or rehabilitation of an existing home.
SHIP funds could be used to match employer contributions.
In addition, the Final Report devotes an entire additional section suggesting
Living Wage policies and/or ordinances as a possible strategy that Florida may consider
in meeting its Housing need.