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HomeMy WebLinkAboutR31- Economic Development ECONOMIIC DE OF SAN ELOPPMENITOAGENCYORIGINAL FROM: Emil A.Marzullo SUBJECT: Public Hearing - Adoption of the 2010-2015 Five-Year Interim Executive Director Consolidated Plan, 2010-2011 Annual Action Plan and 2010-2015 Analysis of Impediments to Fair Housing Choice; Reallocation of Community Development Block DATE: April 27,2010 Grant (CDBG) Funds; and Recommended Allocations of 2010-2011 Community Development Block Grant(CDBG) Funds; Emergency Shelter Grant (ESG) Funds and HOME(HOME)Funds Synopsis of Previous Commission/Council/Committee Action(s): On April 8,2010,Redevelopment Committee Members Johnson,Shorett and Brinker unanimously voted to recommend that the Mayor and Common Council consider this action for approval. Recommended Motion(s): OPEN/CLOSE PUBLIC HEARING (Mayor and Common Council) A: Resolution of the Mayor and Common Council of the City of San Bernardino: 1) approving the 2010-2011 Community Development Block Grant (CDBG) and Emergency Shelter Grant (ESG) appropriations (excluding any reference to the allocation of CDBG and ESG Funds for the Boys and Girls Club of San Bernardino, Boys and Girls Club of Redlands, Time for Change Foundation, and Home of Neighborly Service, Inc. ); 2) approving the Five-Year 2010-2015 Consolidated Plan,the One-Year 2010-2011 Consolidated Annual Plan and the 2010-2015 Analysis of Impediments(AI); 3) approving the proposed reallocation of 2005-2009 CDBG Funds; and 4) authorizing the City Manager to execute and submit to HUD appropriate documents and take all necessary actions for the execution of Public Service Contracts B: Resolution of the Mayor and Common Council of the City of San Bernardino approving the 2010-2011 Consolidated Annual Action Plan pertaining solely to the HOME Program Appropriations/Categories;and authorizing the City Manager to execute any and all HUD contracts or documents as per HUD regulations C: Resolution of the Mayor and Common Council of the City of San Bernardino approving the 2010-2011 Consolidated Annual Action Plan as it pertains solely to the allocation of Community Development Block Grant (CDBG) and Emergency Shelter Grant(ESG)Funds to Time for Change Foundation and Home of Neighborly Services D: Resolution of the Mayor and Common Council of the City of San Bernardino approving the 2010-2011 Consolidated Annual Action Plan as it pertains solely to the allocation of Community Development Block Grant(CDBG)Funds to Boys and Girls Club of San Bernardino and Boys and Girls Club of Redlands Contact Person(s): Lisa A.Connor/Carey K.Jenkins Phone: (909)663-1044 Project Area(s): City Wide Ward(s): All 0 Staff Report 0 Resolution(s)O Agreement(s)/Contract(s)O Map(s)O Letter(s) Supporting Data Attached: 0 Other Attachments Federal Community Development Block Grant (CDBG);Emergency Shelter Grant Funds(ESG); FUNDING REQUIREMENTS: Amount: $ -0- Source: and Federal HOME Funds 2005-2009 CDBG Funds;2010-2011 CDBG,ESG Budget Authority: and HOME Funds Signature: Fiscal Review: Emil A.Marzullo,Interim Executive Director Lori P o- ery,hued \A inistrative Services Director !% Commission/Council Notes: CSD S oZd/D - /10-k,9dO P\AVe WommD Commission\CDCN1=5-03-I0 Coo W4 Plan-Fiv>Ym(2010-2015). o COMMISSION MEETING AGENDA Meeting Date: 05/03/2010 ....A_r...... 1-31 ECONOMIC DEVELOPMENT AGENCY STAFF REPORT PUBLIC HEARING - ADOPTION OF THE 2010-2015 FIVE-YEAR CONSOLIDATED PLAN, 2010-2011 ANNUAL ACTION PLAN AND 2010-2015 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE; REALLOCATION OF COMMUNITY DEVELOPMENT BLOCK GRANT(CDBG) FUNDS; AND RECOMMENDED ALLOCATIONS OF 2010-2011 COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) FUNDS; EMERGENCY SHELTER GRANT (ESG) FUNDS AND HOME (HOME)FUNDS BACKGROUND: The Consolidated Plan is intended to be a comprehensive five-year strategy that addresses how cities intend to use and leverage federal funds such as Community Development Block Grant ("CDBG"), HOME Investment Partnership Act Grant ("HOME") and Emergency Shelter Grant ("ESG"). As the City enters into a new five-year cycle a replacement Five-Year Consolidated Plan and an Annual Action Plan is required to guide and identify needs which the City will address incrementally for the period 2010-2015. Specifically, the intent of the Plan is to ensure that cities are meeting HUD mandates and are establishing goals and objectives that provide decent housing, a suitable living environment and expanded economic opportunities primarily for low- and moderate-income persons. The 2010-2015 Annual Action Plan depicts a year-to-year Plan outlining the goals, objectives and resources to be allocated incrementally to address the needs identified in the Five Year Consolidated Plan. Moreover, the Plan identifies community development, housing, infrastructure,homeless and public service needs and how those needs will be addressed using anticipated federal resources from CDBG, HOME and ESG Funds, state,county and local resources, if any. Agency Staff, along with the assistance of Veronica Tam & Associates, and the Community Development Citizen's Advisory Committee (CDCAC) has collectively prepared the Five Year Consolidated Plan and Annual Action Plan. For the most part, the Consolidated Plan is a revision of the 2005 Plan with current information and data to the degree the information was available. The Plan has also been updated to include and reflect the goals and objectives that came out of the 2010 Citizen's Need Survey. For Fiscal Year 2010-2011, it is estimated that the City will receive $3,891,483 in CDBG funds, $1,698,384 in HOME funds, and $158,237 in ESG funds beginning July 1, 2010. Before these funds can be made available to the City, the Consolidated Plan and Annual Action Plan, in addition to the application for funds, have to be submitted by May 15, 2010 and approved by the U.S. Department of Housing and Urban Development("HUD"). P:Ngmd ao=O Com wionl 2DIMS43-10 fooeofi m Fi o-Y=(WJ1 NIS). o COMMISSION MEETING AGENDA Meeting Date: 05/033/2010 Agenda Item Number: ;I Economic Development Agency Staff Report 2010-2015 Consolidated Plan/Analysis oflmpediments Page 2 I. Community Development Block Grant (CDBG): This $3,891,483 grant can be used to carry-out a variety of activities such as: childcare, recreation activities, senior programs, health services, counseling, infrastructure improvements, housing preservation, elimination of barriers for the handicapped, provided they meet the needs of the low and moderate community. HUD imposes category funding caps such as not more than 15% of the yearly CDBG allocation can be spent on public services and activities and 20% for program planning and administration. The remaining funds can be used for capital improvements, economic development, infrastructure improvements,etc. On September 8, 2009, Agency Staff solicited a Request for Proposals to receive applications for CDBG funding for the provision of"public services"only. A total of 34 proposals were received from non-profit agencies providing services ranging from childcare, youth programs, crisis intervention,job training, homeless services, medical and dental services and services for seniors. Agency Staff evaluated all 34 proposals and found one to be incomplete and thus non-responsive. In order to maintain continuity with current Program goals, the remaining 33 proposals were reviewed for program eligibility and to determine if each proposal met the Mayor and Common Council of the City of San Bernardino's ("Council") priorities established in the 2005-2010 Five Year Consolidated Plan originally adopted on May 16, 2005. Upon receiving an initial staff score, these proposals were forwarded to the CDCAC for further consideration. On February 8, 2010, a public hearing was held where the CDCAC convened to conduct interviews and listen to oral testimony from agencies' representatives that were in attendance. Each CDCAC member rated each proposal on a scale from 1 through 3 with 3 being the highest score for a maximum score of 24 points. As a result, the CDCAC recommended funding for 28 non-profit agencies and denied funding for five non-profit agencies. The organizations not recommended for funding are: 1. Youth Hope, Inc. 2. California State University San Bernardino 3. Foothill AIDS Project 4. Operation Grace 5. San Bernardino Community College r Of the 28 recommended projects, two are new proposals that will offer clothing and health management services. In conjunction with the Council's priorities identified in the Five Year Consolidated Plan, the CDCAC unanimously agreed on the importance of service providers with facilities that allow youth to participate in planned activities such as afterschool tutoring and organized sports programs. Please refer to Attachment I which provides a summary of each Block Grant applicant. i For FY 2010-2011, Agency Staff recommends allocating a total of$350,000 of CDBG funding to its Public Service providers as outlined in Section A of Attachment 11. ! P\Agemn\ =Dev eommieewu\CDC 20IW5-040 Cqn WatW Plan-Fiv Ym(2010.MI5)doc COMMISSION MEETING AGENDA Meeting Date: 05//03/2010 Agenda Item Number: P-5( Economic Development Agency Staff Report 2010-2015 Consolidated Plan/Analysis oflmpediments Page 3 Upon subtracting the $350,000 budgeted for public services, the estimated balance of FY 2010-2011 CDBG Funds is approximately $3,541,483. Agency Staff recommends the balance be allocated as outlined in Section B of Attachment II. In addition to standard allocations for Code Enforcement Neighborhood Revitalization, Fire Equipment Leases, Debt Service on the City's outstanding Section 108 Loan for the North Arden Guthrie Project and other miscellaneous and/or required program activities, the Economic Development Agency("EDA") recommends funding new line items based on community need. These would include funds allocated towards target area street improvements. The EDA also recommends applying funds for the CDBG program administration and a small program contingency allocation for future unanticipated funding needs. Reprogramming of Prior Year CDBG Funds With regard to previously allocated CDBG Funds, funds are proposed to be reprogrammed from projects completed under budget and/or cancelled activities or projects from the following: Project/Activity Fiscal Year Amount 1. East King Street Improvements FY05-06 $200,000.00 2. YWCA Install Security Fence FY05-06 $49,723.26 3. Operation Phoenix Expansion FY07-08 $146,000.00 4. Miracles in Recovery FY08-09 $12,500.00 5. Provisional Educational Services FY08-09 $12,500.00 6. Servant's Heart Outreach FY08-09 $10,250.00 7. Westside Brighter Vision FY08-09 $179.62 8. Youth Hoe FY08-09 $310.72 Total $431,463.60 The $431,463.60 CDBG Funds are proposed to be allocated as follows: Project/Activity Fiscal Year Amount 1. Code Enforcement Demolition FY10-11 $200,000.00 2. Target Area Street Improvements FY10-11 $231,463.60 Total Reprogram of CDBG Funds $431,463.60 II. Emergency Shelter Grant(ESG)Funds: The amount of funds available for 2010-2011 under the ESG program is $158,237. The City is mandated to distribute a certain percentage of the total ESG grant to fund the following five major categories: Essential Services (30%), Operational Costs (10%), Homeless Prevention Activities (30%), Administrative Costs(5%)and Renovation/Rehabilitation(Remainder). 3 97� e:Wgmdea mm Dw CO ievonTe 201=5-03-10 DO.Iid.l Mm-Fi—Ye (2M0.2015)doc COMMISSION MEETING AGENDA Meeting Date: 0581/03/2010 9 Agenda Item Number: -531 Economic Development Agency Staff Report 2010-2015 Consolidated PlanlAnalysis of Impediments Page 4 Agency Staff has evaluated 8 ESG proposals. The recommended ESG programs historically have been funded for the services they offer to the City's homeless or for the provision of transitional housing. Each respondent's proposal was evaluated on the basis of their narrative, past experience, cost effectiveness and ability to leverage ESG Funds with "Other" funding sources such as In-Kind donations,private donations and volunteer labor. For FY 2010-2011, it is estimated that $158,237 of ESG Funds will be available. The following table represents Agency Staff's recommendations for these funds: Organization Essential Services Operating Homeless Expenses Prevention Central City Lutheran Mission $15,823 Foothill AIDS Project $16,800 Frazee Homeless Shelter $12,660 Mary's Mercy Center $10,000 Operation Grace $7,500 Option House,Incorporated $10,000 Salvation Army$17,471 Time for Change Foundation $10,000 Total $47,471 $15,823 1 $36,960 The remaining $57,983 will be allocated to ESG administration ($7,911) and Rehabilitation/Renovation of Emergency Shelters ($50,072). The Rehabilitation/Renovation Funds of $50,072 will be awarded through a separate proposal solicitation (i.e. RFP) process sometime during the program year. Please refer to Attachment III for a program description for each of the above recommended ESG service providers. ITI. HOME Grant Funds: For FY 2010-2011, it is estimated that the City will receive $1,698,384 in HOME Funds. Of this amount not more than 10% ($169,838) can be used for administration of the HOME Program and not less than 15% ($254,757) can be allocated to qualified Community Housing Development Organizations (CHDO's)who aid in the provision of affordable housing in the community. All HOME Funds are limited to the provision or preservation of affordable housing which benefits low income persons (no greater than 80% of median income). The type of the activities that may be funded include,but are not limited to, rehabilitation of single, senior and multi-family housing units, operation costs for qualified CHDO's, down payment, homebuyers assistance, acquisition, housing construction, public improvements, etc. These funds will augment the redevelopment agency's annual Housing Fund of approximately $7 million. Any changes to past practices or additional programs that are planned throughout the program year will be brought before the Community Development Commission of the City of San Bernardino ("Commission") for their consideration and approval. P NgmEn\Ca=D Cow scion\CDC 201MM 3-10 Cmuohd Plan-Fiv Ym(2010-2015). O COMMISSION MEETING AGENDA Meeting Date: 05//033/2010 Agenda Item Number: P$I Economic Development Agency Staff Report 2010-2015 Consolidated Plan/Analysis of Impediments Page 5 Please refer to Attachment IV for a breakdown of the HOME allocation. IV. The Five-Year(2010-2015) Consolidated Plan and the 2010-2011 Annual Action Plan: The Five Year Consolidated Plan was updated using the most current data available to the extent available. The Consolidated Plan consists of the following components: (1) Community Profile, (2) Housing and Homeless Need Assessment, (3) Non-Housing Community Development Need Assessment, (4) Housing and Market Analysis, and (5) Housing and Non-Housing Strategic Plan and Annual Action Plan. The needs identified in the Consolidated Plan are similar to those presented in the 2005 Plan. Those needs are: housing cost burden, deterioration of existing housing stock, homeless emergency transitional housing needs, infrastructure and capital improvements, economic development, blight eradication, crime and recreational needs. The strategy and priorities identified to address these needs over the next five years include: 1. Preserve and rehabilitate existing single-family dwellings; 2. Improve neighborhood conditions through code enforcement and abatement of dilapidated structures; 3. Expand homeownership opportunities and assist homebuyers with the purchase of affordable housing; 4. Provide rental assistance and preserve existing affordable rental housing; 5. Expand the affordable housing inventory through new construction; 6 Eliminate identified impediments to fair housing through education, enforcement and testing, 7. Remove barriers to the development and preservation of affordable housing; 8. Assist homeless and special needs populations with supportive services; { 9. Promote economic development and employment opportunities for low- and moderate- income persons; 10. Improve and expand community facilities and infrastructure to meet current and fixture needs. These strategies,to the extent possible, mirror the priorities identified through the 2010 Citizen's Need Survey. The resources identified to address the above needs include federal grants such as CDBG, HOME, ESG, Housing opportunities for people with AIDS (HOPWA) Redevelopment Housing Funds, the City's General Funds, Public Housing Authority Funds, non-profit agency resources and for-profit joint ventures. A detailed discussion of each category is included in the attached Consolidated Plan. evpndasToo,m oo.Co=i.doo�"Ifts -10 coowiwu tm.o-Frvo-rm(2oiamis),m COMMISSION MEETING AGENDA Meeting Date: 05/03//2010 /0 Agenda Item Number: d I Economic Development Agency Staff Report 2010-2015 Consolidated Plan/Analysis of Impediments Page 6 The Annual Action Plan for 2010-2011 identifies the resources the City expects to have available to incrementally implement the above strategies. Specifically, the activities identified as shown in Attachment II include: code enforcement, economic development, target area street improvements, and various public services such as services and programs for youth and seniors, among others. In compliance with 24CFR 91.105 and 570.302 CDBG implementing regulation, the general public was afforded the opportunity to review and provide oral and/or written comments on the Plans. The public notice announcing the availability of the Plans and summary of proposed funding activities was published in the San Bernardino Sun newspaper on March 30, 2010. Any public comments received will be incorporated into the Plans prior to submission to HUD; however, at this time, Agency Staff has not received any comments. V. Analysis of Impediments to Fair Housing Choice: Equal access to housing is fundamental to each person in meeting essential needs and pursuing personal, educational, employment, or other goals. In recognition of equal housing access as a fundamental right, the federal government and the State of California have both established fair housing choice as a right protected by law. Pursuant to CDBG regulations [24 CFR Subtitle A §91.225(a)(1)], to receive CDBG funds, each jurisdiction must certify that it"actively furthers fair housing choice"through the following: • Completion of an Analysis of Impediments to Fair Housing Choice (AI) • Actions to eliminate identified impediments; and • Maintenance of fair housing records. The AI, presents a demographic profile of San Bernardino, assesses the extent of housing needs of its residents and evaluates the availability of a range of housing choices for all. This report also analyzes the conditions in the private market and public sector that may limit the range of housing choices or impede a person's access to housing. The AI reviews "impediments" to fair housing with a focus on identifying impediments that may prevent equal housing access and developing solutions to mitigate or remove such impediments. Agency Staff requests that the Mayor execute and submit to HUD, the necessary documents and take all necessary actions for the execution of any contracts and/or ancillary documents to effectuate these recommendations. Environmental Impact: This does not meet the definition of a "project" under Section 15378 of the California Environmental Quality Act ("CEQA"), which states that a "Project" means the whole of an action, which has a potential for resulting in either a direct physical change in the environment, or a reasonably foreseeable indirect physical change in the environment. PUgrn To=m CONNYepn�W301M05-03-10C areofltlnetl Plea-Fivo-Ym(2010.W15)d COMMISSION MEETING AGENDA Meeting Date: 05/03/2010 Agenda Item Number: VIS] Economic Development Agency Staff Report 2010-2015 Consolidated Plar✓Analysis of Impediments Page 7 Fiscal Imnact• The impact to the City's General Fund will be a reduction of $224,585 in CDBG funding for fiscal year 2010-2011 to augment the Code Enforcement budget ($200,661) and the Fire Department Lease ($23,924). These funds are being recommended for use in the Target Area Street Improvements ($132,585)and Program Administration($92,000) line items. RECOMMENDATION: That the Mayor and Common Council adopt the attached Resolutions. 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V- V ._ U N d d N 0 ?O N E o n a E N « a E E c° d H e l. y LL >m a 2O m m d a a d W as 2 6 N 12 Q 2 w o v o d Y m. 0 T d � mA omd h � ara « Ec ; - da N O ~ 50 « � Ara « a y0H ay « ° > E' LLl m 75 -- a y,E 75 a co F- m UE a` 3m Um LLE3 Qa Qy Qt7 E a °c O 02 w ❑ c W N U c N U m ti Z Ec Uc �E� U = cca 0 - m UU oc z2 $� � > M( � 0 mx Cd c3 C d 0 � Ede do oN °o ac U = of g C7 J and Qd. >tF- �na°N Kadi �y xN v5P N 3 O�ai D x tF- Kd y w o ai > T Ny w U O m, C J J N c 0 U d ° d � c y a y 2zc doa o O 0 Q m z , Im E C E 'i K 03d KU ° e 0 d d C C N NO c N C O IL 0 a � Q m N O C 3 U 9 U U N N U E . c OO ad � a Ov O .d c ° o Q 2 0 ~ T N 0 m E c E J o r a U d N U = E d u d W d �. a O d x 0 0 < oomv �3db > � ° md mmmd « zm e d �occ M `d `m l'id dm c c = cE Jrc c v> dd gQC5 Q nNdd dodo ord s d� U1°m � LLNU�...O ��fn � U)l�U)N >9 0) Q N M V 10 2 E s s ATTACHMENT II 2010/11 Community Development Block Grant 'New Proposal A. CDBG Subject to Public Service Cap Amount 1. Al Shifa Clinic, Inc. $15,000 2. Asian American Resource Center $15,000 3. Assistance League of San Bernardino $12,000 4. Boys & Girls Club of Redlands $5,000 5. Boys & Girls Club of San Bernardino $15,000 6. Central City Lutheran Mission $12,000 7. Child Advocates of SB County $12,000 8. Children's Fund, Inc. $12,000 9. Frazee Community Center $12,000 10. Gang Reduction Intervention Team $15,000 11. Highland District Council $15,000 12. Home of Neighborly Service $15,000 13. Inland AIDS Project $10,000 14. Knotts Family and Parenting Inst. $12,000 15. Legal Aid of San Bernardino $12,000 16. Lorine's Learning Academy $10,000 17. Mary's Mercy Center $15,000 18. Option House, Inc. $15,000 19. Project Life Impact, Inc. $10,000 20. San Bernardino Medical Center* $10,000 21. San Bernardino National Forest Assoc. $15,000 22. San Bernardino Sexual Assault Services $12,000 23. Santa Claus, Inc.,* $10,000 24. Sinfonia Mexicana, $10,000 25. St. John's Community Success Center $12,000 26. Time for Change Foundation $15,000 27. YMCA of San Bernardino $12,000 28. Youth Action Project $15,000 TOTAL PUBLIC SERVICES $350,000 B. General Proposed Projects-City/EDA Amount 1 City Code Enforcement $1,727,646 2 City Fire Department Leases $445,698 3 National Development Corporation $50,000 4 Fair Housing (Mandatory-Subject to Public Service Cap) $53,000 5 Section 108 $410,000 6 Target Area Street Improvements $464,417 7 Other Public Services $127,722 8 CDBG Administration, $210,000 9 Unallocated Program Contingency $53,000 TOTAL PROPOSED CITY PROJECTS $3,541,483 TOTAL CDBG ALLOCATION $3,891,483 ATTACHMENT III Recommended 2010-2011 ESG Allocations A. Emergency Shelter Service Providers Organization 09/10 10-11 Fundin Allocation 1. Central City Lutheran Mission—(Operating Expenses)Central City Lutheran Mission(CCLM)opened its doors in 1996 as a community based organization working in the central part of the City;provides transitional housing to homeless HIV clientele.CCLM also provides emergency shelter to men during the winter months.The organization $13,000 $15,823 collaborates with other community based organizations throughout the City and County.ESG funds will be utilized for operations of their facility located at 1354 North'G'Street. 2. Frazee Homeless Shelter—(Homeless Prevention)Frazee Community Center provides a homeless shelter for men. Most of Frazee's clients are homeless veterans and up to 17 can be accommodated at one time. The shelter provides $14.000 job search assistance,transportation when needed and support groups are brought in for counseling. Frazee also $12,660 provides assistance in the areas of securing social security and Veterans benefits. 3. Mary's Mercy Center—(Essential Services)Mary's Mercy Center offers emergency services to the homeless population that includes: food bags,emergency baby and hygiene needs,and shower and laundry facilities. Mary's $25,000 $10,000 began providing emergency showers in 1997. 4. Foothill AIDS—(Homeless Prevention)provides services to individuals who are HIV positive and either homeless or at risk of homelessness. Program will provide housing services to assist individuals in obtaining shelter by finding access to permanent housing;identifying linkages to mainstream health and social service program;and obtaining total self $0 $16,800 sufficiency. 5. Operation Grace—(Homeless Prevention)Operation Grace is a transitional women's shelter. Shelter occupants are provided with a bed,bedding,a dresser and some closet space. The program is comprehensive and assists women in setting goals and following through on their goal setting. The shelter is staffed with a house manager,who is there to $8,989 $7,500 ensure compliance with daily activities and programs. A client can stay at the shelter for up to 3 months,providing that personal goals are being met. 6. Option House,Inc.-(Essential Services)Option House,Inc.,provides transitional shelter to females of domestic violence. Option House can accommodate up to 14 women and their children for up to 60 days. There is a resident in- $20,000 $10,000 house program that each client must complete. 7. Salvation Army—(Essential Services)Salvation Army Hospitality House provides a full spectrum of homeless services that include: 1)Shelter for women and children 365 nights a year;2)three meals a day for those living in the shelter;3)a nightly meal for up to 100 additional people per day;4)laundry and shower facility;5)tutoring and after school programming for school aged children;5)job training and placement counseling;6)a savings program whereby $60,000 $17,471 upon leaving the shelter,a client has money for securing permanent housing;7)counseling to assure a stable environment for those moving into their own homes;8)referrals to Travelers Aid and behavioral health providers;and, 9)paramedics for emergency health care and access to local clinics for other health care needs. B. Time for Change Foundation—(Essential Services)Time for Change began their transitional housing program in September 2002. This transitional facility is for women who are exiting prison or on a drug rehabilitation program. Time for Change incorporated In October 2003 as a non-profit organization and expanded its service delivery to $15,000 $10,000 include full re-entry services to women and their children. Each participant is required to be in a program that will assist them in obtaining a job,education and ultimately,independent living. TOTAL $100,254 Emergency Shelter Providers ("A"Above) $100,254 ESG Administration $7,911 Rehabilitation/Renovation of Emergency Shelters $50,072 Total ESG Allocation $158,237 ATTACHMENT IV Recommended 2010-2011 HOME Allocation Amount HOME Administration (10%) $169,838 HOME to Qualified Community Housing Dev Org. (15%) $254,757 Homebuyer Assistance Program and Education $480,000 CHDO Operations and Capacity Building (5%) $84,919 Other Housing Programs/Activities $708,870 TOTAL HOME FUNDING $1,698,384 1 RESOLUTION NO. COPY 2 3 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO: 1) APPROVING THE 2010-2011 4 COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) AND 5 EMERGENCY SHELTER GRANT (ESG) APPROPRIATIONS (EXCLUDING ANY REFERENCE TO THE ALLOCATION OF CDBG 6 AND ESG FUNDS FOR THE BOYS AND GIRLS CLUB OF SAN BERNARDINO, BOYS AND GIRLS CLUB OF REDLANDS, TIME FOR 7 CHANGE FOUNDATION, AND HOME OF NEIGHBORLY SERVICE, INC. ); 2) APPROVING THE FIVE-YEAR 2010-2015 CONSOLIDATED 8 PLAN, THE ONE-YEAR 2010-2011 CONSOLIDATED ANNUAL PLAN 9 AND THE 2010-2015 ANALYSIS OF IMPEDIMENTS (AI); 3) APPROVING THE PROPOSED REALLOCATION OF 2005-2009 CDBG 10 FUNDS; AND 4) AUTHORIZING THE CITY MANAGER TO EXECUTE AND SUBMIT TO HUD APPROPRIATE DOCUMENTS AND TAKE ALL 11 NECESSARY ACTIONS FOR THE EXECUTION OF PUBLIC SERVICE CONTRACTS 12 13 WHEREAS, the City of San Bernardino ("City") is an entitlement city and eligible to O 14 participate in the United States Department of Housing and Urban Development's ("HUD") 15 Community Development Block Grant ("CDBG"), HOME and Emergency Shelter Grant ("ESG") 16 Programs for Program Year 2010-2011; and 17 WHEREAS, the Mayor and Common Council of the City of San Bernardino ("Council") 18 desire to submit to HUD the City's Consolidated Plan 2010-2015 and Consolidated Annual Action 19 Plan 2010-2011; and 20 WHEREAS, the Council desires to execute Contracts to provide a variety of community 21 services with certain public service agencies for the 2010-2011 CDBG and ESG Program Year; and 22 WHEREAS,the Council desires to approve the Five-Year Analysis of Impediments (AI) to 23 Fair Housing Choice; and 24 WHEREAS, the Council desires to reallocate 2005-2009 CDBG Funds as provided in the 25 Staff Report. 26 27 NOW, THEREFORE, IT IS HEREBY RESOLVED, DETERMINED AND ORDERED BY THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, AS 28 FOLLOWS: 1 P:UaendasV fesoWtiovsVtewWtiom @OIUASA3-10 CDBG R¢MCC Ano Adm 1 Section 1. That the Mayor and Common Council hereby approve the Community 2 Development Citizen Advisory Committee (CDCAC), Redevelopment Committee and Staff 3 recommendations noted in Attachment II and III attached hereto and by this reference made a part 4 hereof pertaining to the allocation of 2010-2011 CDBG Funds and Emergency Shelter(ESG) Grant 5 and the 2005-2009 CDBG reallocation recommendations contained in the Staff Report dated May 6 3, 2010. 7 Section 2. That the Mayor and Common Council hereby approve the 2010-2011 8 Consolidated Annual Action Plan as attached hereto. 9 Section 3. That the Mayor and Common Council hereby approve the 2010-2015 10 Consolidated Plan and Analysis of Impediments (AI) attached hereto and incorporated herein by 11 reference as though fully set forth at length with the exclusions of Boys and Girls Club San 12 Bernardino, Boys and Girls Club of Redlands, Time for Change Foundation, and Home of 13 Neighborly Service, Inc. 14 Section 4. That the City Manager is authorized to execute and submit to the U.S. 15 Department of Housing and Urban Development (HUD) all appropriate documents and to take all 16 necessary actions to implement the City's 2010-2015 Consolidated Plan, 2010-2011 Annual Action 17 Plan, and 2010-2015 Analysis of Impediments to Fair Housing Choice including, but not limited to, 18 the preparation and execution of CDBG and ESG standard Agreements with the respective public 19 service agencies, as prepared and approved by the City Attorney, a copy of which is on file with the 20 Agency Secretary, and incorporated herein by reference as though fully set forth at length. 21 Section 5. This Resolution shall take effect upon its adoption and execution in the 22 manner as required by the City Charter. 23 24 25 26 27 28 2 PUgmEUVleeolu twnsUteaolmiwet101MA5-03-10 CDBG Rx MCC Rew A.Ea I RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO: 1) APPROVING THE 2010-2011 COMMUNITY 2 DEVELOPMENT BLOCK GRANT (CDBG) AND EMERGENCY SHELTER 3 GRANT (ESG) APPROPRIATIONS (EXCLUDING ANY REFERENCE TO THE ALLOCATION OF CDBG AND ESG FUNDS FOR THE BOYS AND 4 GIRLS CLUB OF SAN BERNARDINO, BOYS AND GIRLS CLUB OF REDLANDS, TIME FOR CHANGE FOUNDATION, AND HOME OF 5 NEIGHBORLY SERVICE, INC. ); 2) APPROVING THE FIVE-YEAR 2010- 2015 CONSOLIDATED PLAN,THE ONE-YEAR 2010-2011 CONSOLIDATED 6 ANNUAL PLAN AND THE 2010-2015 ANALYSIS OF IMPEDIMENTS (AI); 7 3) APPROVING THE PROPOSED REALLOCATION OF 2005-2009 CDBG FUNDS; AND 4) AUTHORIZING THE CITY MANAGER TO EXECUTE 8 AND SUBMIT TO HUD APPROPRIATE DOCUMENTS AND TAKE ALL NECESSARY ACTIONS FOR THE EXECUTION OF PUBLIC SERVICE 9 CONTRACTS 10 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and 11 Common Council of the City of San Bernardino at a meeting 12 thereof,held on the day of 2010, by the following vote to wit: 13 Council Members: Ayes Nays Abstain Absent 14 MARQUEZ 15 DESJARDINS 16 BRINKER 17 SHORETT 18 KELLEY 19 JOHNSON 20 MC CAMMACK 21 22 Rachel G. Clark, City Clerk 23 The foregoing Resolution is hereby approved this day of 12010. 24 25 Patrick J. Morris, Mayor City of San Bernardino 26 Approved as to Form: 27 28 By' James F. Penman,City Attorney 3 P Wpndar solutionSaewlutions@ [MO 3-IGMRGR MCC RwAdm 1 ATTACHMENT II 2 2010/11 Community Development Block Grant 3 *New Proposal A. CDBG Subject to Public Service Car) Amount 4 1. At Shifa Clinic, Inc. $15,000 2. Asian American Resource Center $15,000 5 3. Assistance League of San Bernardino $12,000 4. Boys & Girls Club of Redlands $5,000 6 5. Boys & Girls Club of San Bernardino $15,000 6. Central City Lutheran Mission $12,000 7 7. Child Advocates of SB County $12,000 8. Children's Fund, Inc. $12,000 8 9. Frazee Community Center $12,000 10. Gang Reduction Intervention Team $15,000 9 11. Highland District Council $15,000 12. Home of Neighborly Service $15,000 10 13. Inland AIDS Project $10,000 14. Knotts Family and Parenting Inst. $12,000 11 15. Legal Aid of San Bernardino $12,000 16. Lorine's Learning Academy $10,000 12 17. Mary's Mercy Center $15,000 13 18. Option House, Inc. $15,000 19. Project Life Impact, Inc. $10,000 14 20. San Bernardino Medical Center* $10,000 21. San Bernardino National Forest Assoc. $15,000 15 22. San Bernardino Sexual Assault Services $12,000 23. Santa Claus, Inc.,* $10,000 16 24. Sinfonia Mexicana, $10,000 25. St. John's Community Success Center $12,000 17 26. Time for Change Foundation $15,000 27. YMCA of San Bernardino $12,000 18 28. Youth Action Project $15,000 TOTAL PUBLIC SERVICES $350,000 19 B. General Proposed Projects-City/EDA Amount 20 1 City Code Enforcement $1,727,646 2 City Fire Department Leases $445,698 21 3 National Development Corporation $50,000 4 Fair Housing (Mandatory-Subject to Public Service Cap) $53,000 22 5 Section 108 $410,000 23 6 Target Area Street Improvements $464,417 7 Other Public Services $127,722 24 8 CDBG Administration, $210,000 9 Unallocated Program Contingency $53,00 0 25 TOTAL PROPOSED CITY PROJECTS $3,541,483 26 TOTAL CDBG ALLOCATION $3,891,483 27 28 4 P'.W¢PnddSlRewWtiOn6VkroMiau11010b5-03-10 MW.Km MCC RnN Ad., 1 ATTACHMENT III 2 Recommended 2010-2011 ESG Allocations 3 A. Emergency Shelter Service Providers 09/10 30-11 4 Organization Funding Allocation 5 1. Central City Lutheran Mission—(Operating Expenses)Central City Lutheran Mission (CCLM)opened its doors in 1996 as a community based organization working in the 6 central part of the City;provides transitional housing to homeless HIV clientele. CCLM also provides emergency shelter to men during the winter months.The $13,000 $15,823 7 organization collaborates with other community based organizations throughout the City and County. ESG funds will be utilized for operations of their facility located at 8 1354 North'G'Street. 9 2. Frazee Homeless Shelter—(Homeless Prevention)Frazee Community Center provides a homeless shelter for men. Most of Frazee's clients are homeless veterans 10 and up to 17 can be accommodated atone time. The shelter provides job search $14,000 assistance,transportation when needed and support groups are brought in for $12,660 11 counseling. Frazee also provides assistance in the areas of securing social security and Veterans benefits. 12 3. Mary's Mercy Center—(Essential Services)Mary's Mercy Center offers emergency 13 services to the homeless population that includes: food bags,emergency baby and hygiene needs,and shower and laundry facilities. Mary's began providing $25,000 $10,000 V 14 emergency showers in 1997. 15 4. Foothill AIDS—(Homeless Prevention)provides services to individuals who are HIV positive and either homeless or at risk of homelessness. Program will provide 16 housing services to assist individuals in obtaining shelter by finding access to $0 $16,800 permanent housing;identifying linkages to mainstream health and social service 17 program;and obtaining total self sufficiency. 18 5. Operation Grace—(Homeless Prevention)Operation Grace is a transitional women's shelter. Shelter occupants are provided with a bed,bedding,a dresser and some 19 closet space. The program is comprehensive and assists women in setting goals and $8 989 following through on their goal setting. The shelter is staffed with a house manager, $7,500 20 who is there to ensure compliance with daily activities and programs. A client can stay at the shelter for up to 3 months,providing that personal goals are being met. 21 6. Option House,Inc.-(Essential Services)Option House,Inc., provides transitional 22 shelter to females of domestic violence. Option House can accommodate up to 14 women and their children for up to 60 days. There is a resident in-house program $20,000 $10,000 23 that each client must complete. 24 25 26 27 28 5 P UgmdaeV l<wlutioosVtexoMiowI3010N5-01-10 CDBG Rec MCC Rew Ada 1 1 - Organization 09/10 10-11 Funding Allocation 2 7. Salvation Army—(Essential Services)Salvation Army Hospitality House provides a 3 full spectrum of homeless services that include:1)Shelter for women and children 365 nights a year;2)three meals a day for those living in the shelter;3)a nightly 4 meal for up to 100 additional people per day;4)laundry and shower facility;5) tutoring and after school programming for school aged children;5)job training and $60,000 5 placement counseling;6)a savings program whereby upon leaving the shelter,a $17,471 client has money for securing permanent housing;7)counseling to assure a stable 6 environment for those moving into their own homes;8)referrals to Travelers Aid and behavioral health providers;and,9)paramedics for emergency health care and 7 access to local clinics for other health care needs. 8 8. Time for Change Foundation—(Essential Services)Time for Change began their transitional housing program in September 2002. This transitional facility is for 9 women who are exiting prison or on a drug rehabilitation program. Time for Change incorporated in October 2003 as a non-profit organization and expanded its service $15,000 deliver to include full - $10,000 10 Y de u re-entry services to women and their children. Each participant is required to be in a program that will assist them in obtaining a job, 11 education and ultimately,independent living. 12 TOTAL $100,254 13 Emergency Shelter Providers("A"Above) $100,254 © ESG Administration $7,911 14 Rehabilitation/Renovation of Emergency Shelters $50,072 15 Total ESG Allocation $158,237 16 17 18 19 20 21 22 23 24 25 26 27 28 6 City of San Bernardino 2010-2015 Consolidated Plan April 2010 City of San Bernardino Economic Development Agency 201 North E Street, Suite 301 San Bernardino, CA 92401 (P) (909) 663-1044 (F) (909) 888-9413 City 0f San Bernardino 1010^2O15 Consolidated Plan l[ ��U � Contents Table of | (�h8pt8[ 1: Introduction.........~.....~~~~~'~~..—.~~.—~^..~.~~—~~~~ A. Planning Frameworks...~....~..,.'.~^~—~.^~—~~.~'~~...~~^~~ / 1 B. Pk}gr3nnD8SChptk)DS....~.....~.~..—~^~..~^..'~~~~.~~^...~~^'.. 3 C. Lead Agency- � D� Data Sources............~~~.~.~....'.~~..'~~.~~'~^^..~...... 5 (�h8ptC|2: QtioeAP8�iCip81i0D Process..~.~.~...~.~.^.'~~~..'~~~~'~~.~—. A. Community Outreach Meeting...............................................................................5 6 B. C0non\uDi1ySurvey..............~~.~'.~..~'~......~..~~~~~.~^ C. C0rnrnuAdv ��C�UDgk) R8Vi8VV�h8 (�0nS0|id8b�dP|8A...~....~......~.�0 � 8 D. Public U88�ng.........^~~.~...~~..~.~~~~~^~....^.~~~~~~.~. E. Draft Consolidated Plan Availability for Public Review..........................................8 9 (�h8pt8r3: C0[DDlUnity Needs.............~~~..~.~~~~~~.'~~....~~..~~^ 8 8. Household Needs......—.~...~~~~—~.^.'~~~..~...~'.~.^..~~. �O B. K18rket(�VUd�i0DS .....,........~..~~~~~—.~~...~~~—~~^.^~. C. Barriers k) Affordable Housing ........................................................................... 44 D. Community Development Needs........................... ....................................... .....52 Chapter 4: Housing and Community Development Strategic Plan .......................................59 A. Overall Strategic Theme......................................................................................59 07 B. Housing Needs......~..~......~'~~~.'~~.~~'~~~.~`~~~^'~~. C. Community Development and Supportive Services............................................T2 D. Public Improvements and Community Facilities..................................................70 E. Economic Development and Anti-Poverty...........................................................83 07 F� P|8DDinU8Dd /\dn1iAiSt[81i0A........~.—....~~~~.~~—.~~.~~.'. G. Lead Based Paint Reduction Strategy ................................................................07 H. Overcoming Barriers 8)Affordable Housing........................................................07 |. Institutional Structure........~........—~~^~............—..~.89 � j� C00pdiA8b0D.....~...........~~~~~~.^~.—~.~~.~~...~—~^~.. � K. ��0nik)hAg...,...~....~....~~^~..~~~'~~.~^..~~~~~'~~^~. Table (fContents P8gCi City of San Bernardino 2010-2015 Consolidated Plan List of Tables Table 1: Persons by Age San Bernardino-2000 and 2008 .................................................11 Table 2: San Bernardino City/County Employment by Occupation-2008...........................12 Table 3: Major Employers in San Bernardino-2008............................................................12 Table 4: Annual Average Unemployment Rate-2008 .........................................................13 Table 5: San Bernardino City/County Household Type and Size-2008..............................13 Table 6: San Bernardino City/County Overcrowding - 2008.................................................14 Table 7: San Bernardino Overcrowding by Tenure Type - 2008 ..........................................14 Table 8: San Bernardino Race or Ethnicity-2000 and 2008................................................15 Table 9: Race and Ethnicity by Person and Household—2008............................................15 Table 10: HUD Income Definitions........................................................................................16 Table 11: Household Income by Race/Ethnicity- 2000........................................................19 Table 12: Licensed Community Care Facilities-2009 .........................................................19 Table 13: Elderly Profile - 2000.............................................................................................20 Table 14: Low Income Senior Housing in the City of San Bernardino..................................21 Table 15: Senior Services in the City of San Bernardino......................................................21 Table 16: Disability Types found in Adult Civilian Population (Aged 18+)-2008.................24 Table 17: Large Household Profile-2000............................................................................24 Table 18: Housing Assistance Needs of Low and Moderate Income Households ...............27 Table 19: San Bernardino Disproportionate Needs..............................................................28 Table 20: Housing Survey Results........................................................................................29 Table 21: Homeless Partnerships.........................................................................................33 Table 22: Continuum of Care Housing Gaps Analysis San Bernardino County 2009..........34 Table 23: Federally Assisted Multi-Family Housing..............................................................37 Table 24: Housing Growth —2000 and 2009........................................................................38 Table 25: Housing Type -2009.............................................................................................39 Table 26: Housing Tenure-2008.........................................................................................39 Table 27: Median Home Prices -2009 .................................................................................40 Table 28: Housing Affordability - San Bernardino County -2009.........................................41 Table 29: Age of Housing Stock-2008................................................................................42 Table 30: Housing Stock Deficiencies- 2008.......................................................................42 Table 31: Number of Units with LBP Occupied by Low/Moderate Income Households.......43 Table 32: City of San Bernardino Schedule of Fees - 2009..................................................46 Table 34: Community Development Needs Survey Results.................................................54 Table 35: Estimated Annual Resources Available................................................................61 Table 36: Estimated Entitlement Five-Year Expenditures ....................................................61 Table 37: Five-Year Housing Needs and Priorities...............................................................64 Table 38: Priority Community Development Needs..............................................................65 Table 39: Priority Non-Homeless Special Needs..................................................................66 Table 40: Senior Rental Housing Development....................................................................71 Table 41: Redevelopment Agency Economic Development Activities..................................86 Table of Contents • Page ii I City of San Bernardino 2010-2015 Consolidated Plan List of Figures Figure1: Population Growth .................................................................................................10 Figure 2: Minority Concentrations.........................................................................................17 Figure 3: Low and Moderate Income Areas..........................................................................18 V Table of Contents Page iii City of San Bernardino 2010-2015 Consolidated Plan Chapter 1 Introduction The Consolidated Plan is a planning document that identifies the City of San Bernardino's overall housing and community development needs, and outlines a strategy to address those needs. The Plan includes the following components: • An assessment of the City's housing and community development needs and market conditions; • A strategy that establishes priorities for addressing the identified housing and community development needs; and • A one-year investment plan that outlines the intended use of federal resources. A. Planning Frameworks The 2010-2015 Consolidated Plan for the City of San Bernardino satisfies the requirement of four Community Planning and Development (CPD) programs offered by the U.S. Department of Housing and Urban Development(HUD): • Community Development Block Grant(CDBG) • HOME Investment Partnership(HOME) • Emergency Shelter Grant(ESG) This 2010-2015 Consolidated Plan for the City covers the period of July 1, 2010 through June 30, 2015. B. Program Descriptions 1. Community Development Block Grant (CDBG) The CDBG program was initiated by the Housing and Community Development Act (HCDA) of 1974. The primary objective of this program is to develop viable urban communities by providing decent housing, a suitable living environment, and economic opportunities, principally for persons of low and moderate income. Through the CDBG program, HUD provides funds to local governments for a wide range of community development activities for low income persons. CDBG funds are likely the most flexible federal funds available to local governments. Funds can be used for a wide array of activities, including: • Housing rehabilitation (loans and grants to homeowners, landlords, non-profits, and developers) • Down payment and other homeownership assistance for first-time homebuyers • Lead-based paint detection and removal • Acquisition of land and buildings Chapter 1: Introduction Page 1 City of San Bernardino 2010-2015 Consolidated Plan • Construction or rehabilitation of public facilities such as shelters for the homeless and domestic violence victims • Removal of architectural barriers to the elderly and disabled • Public services such as job training, transportation, health care, and childcare • Rehabilitation of commercial or industrial buildings • Loans or grants to businesses • Grant administration Regulations governing the CDBG program require that each activity undertaken with CDBG funds meet one of the following three broad national objectives: • Benefit people with low and moderate incomes • Aid in the prevention or elimination of slums and blight • Meet an urgent need (such as an earthquake, flood, or hurricane relief) 2. HOME Investment Partnership (HOME) The HOME program was created as part of the 1990 National Affordable Housing Act. The HOME program provides federal funds for the development and rehabilitation of affordable rental and ownership housing for low and moderate income households. The program gives local governments the flexibility to fund a wide range of affordable housing activities through housing partnerships with private industry and non-profit organizations. HOME funds can be used for activities that promote affordable rental housing and homeownership by lower income households, including: , • Building acquisition • New construction and reconstruction • Moderate or substantial rehabilitation • Homebuyer assistance • Tenant-based assistance • Grant administration Strict requirements govern the use of HOME funds. Two major requirements are that the funds must be: (1) used for activities that target lower income families; and (2) matched 25 percent by non-federal funding sources. 3. Emergency Shelter Grant (ESG) The Emergency Shelter Grant(ESG) program provides homeless persons with basic shelter and essential supportive services. ESG funds can be used for a variety of activities, including: • Rehabilitation or remodeling of a building used as a new shelter • Operations and maintenance of a facility • Essential support services (i.e. case management, physical and mental health treatment, substance abuse counseling, childcare) • Homeless prevention • Grant administration Chapter 1: Introduction Page 2 City of San Bernardino 2010-2015 Consolidated Plan ESG grant funds must be matched dollar-for-dollar with non-federal funds or "in-kind" contributions such as the value of a donated building, supplies and equipment, new staff services, and volunteer time. C. Lead Agency The City of San Bernardino's Economic Development Agency serves as the lead agency in coordinating the preparation of the Consolidated Plan. D. Data Sources The following data sources were used to complete this Consolidated Plan. Sources of specific information are identified in the text, tables and figures. • 1990 and 2000 U.S. Census • 2006-2008 American Community Survey and 2008 Community Survey' • California Employment Development Department • California Department of Fair Employment and Housing • California Department of Finance • California Department of Public Health • California Department of Social Services Community Care Licensing Division • Centers for Disease Control (CDC) • San Bernardino County Department of Behavioral Health • San Bernardino Unified School District Research and Statistical Department • U.S. Department of Housing and Urban Development(HUD) ' According to "American Community Survey — What Researchers Need to Know", the Census Bureau cautions the direct comparison between the American Community Survey (ACS) data and data from previous Censuses, particularly as it relates to income, age, and household characteristics, as different methodologies were used or questions were asked in collecting the sample. The most significant difference is that the 2000 Census is point-in-time data; whereas the ACS 2006-2008 is period data. The ACS was developed with a sample each year and data presented for 2006-2008 represents an averaging of the sampling results over three years. An issue with this methodology is that when conditions in 2006 were substantially different than in 2008, the averaging would "dilute" the data and therefore does not present an accurate picture of the conditions. For example, the housing market conditions in 2006 were almost a 180-degree turn compared to those in 2008. Averaging over these three years would not reflect the sharp changes in conditions. Therefore,2006-2008 ACS data in this report is used only as additional references. The 2008 ACS is also a period estimate, averaging estimates from the year 2008; this is the data that is predominantly used in this report to supplement data from the 2000 decennial Census. The 2008 ACS data provides an important update and snapshot of existing conditions. The federal government uses ACS information to evaluate the need for federal programs and to run those programs effectively,and so it is important to be consistent with those assumptions. However, please note that the ACS provides an estimate, not a 100 percent sampling of the population, and as such, there may therefore be a significant margin of error in some situations. Chapter 1: Introduction Page 3 City of San Bernardino 2010-2015 Consolidated Plan Chapter 2 Citizen Participation Process Citizen participation is one of the most important components of the Consolidated Plan process. This Consolidated Plan has been developed through a collaborative process including participation of residents, service providers, and City staff. This section outlines the efforts implemented by the City of San Bernardino Economic Development Agency to solicit community input in preparing the City's Five-Year Consolidated Plan. The following primary methods were used to solicit public input for the Consolidated Plan: • A community meeting was held on January 21, 2010 in the Economic Development Agency Board Room as part of the Community Development Citizens Advisory Committee meeting. At this meeting, participants were introduced to the Consolidated Plan process and discussed community needs and priorities. • A community survey, which assessed housing and community development needs, was distributed to San Bernardino residents. Surveys were made available in electronic and paper formats (in both English and Spanish), and distributed at community centers and public counters, on the City's website, and at the January 21, 2010 community meeting. A. Community Outreach Meeting On January 21, 2010, the City of San Bernardino held a community meeting to discuss priority housing and community development needs in the City. The City conducted extensive outreach to reach a broad cross-section of the community and to encourage attendance. In total, more than 15 residents and representatives of service provider, agencies attended, in addition to the five City of San Bernardino Community Development Citizens Advisory Committee (CDCAC) members. Service providers that attended the Consolidated Plan community outreach meeting included: • A Servant's Heart Outreach • Apartment Association Greater Inland Empire • Central City Lutheran Mission • Inland Fair Housing & Mediation Board • OMNIP • Project Life Impact • St. John's Success Center • Time for Change • Universal Nursing Systems \r Chapter 2: Citizen Participation Process Page 5 City of San Bernardino 2010-2015 Consolidated Plan The CDCAC chaired the community meeting. Participants were introduced to the Consolidated Plan process through a presentation and asked to discuss community needs. The CDCAC and participants actively discussed issues, needs, and concerns in the community as related to the Consolidated Plan. A summary of the topics discussed is included in Chapter 3. An outline of meeting notes is included in Appendix A. B. Community Survey As part of the 2010-2015 Consolidated Plan, the City of San Bernardino conducted a Housing and Community Needs Survey to assess community issues and concerns in six needs categories: Community Facilities, Housing, Economic Development, Community Services, Infrastructure and Neighborhood Improvements, and Special Needs Services. The survey was provided in English and Spanish and was available in print at City Hall and online at the City's website. Overall, 143 residents and service providers representing San Bernardino residents responded to the Housing and Community Development Needs Survey. The survey questionnaires were made available at community centers and public counters and distributed at the January 21, 2010 community meeting. In addition, the survey was posted on the City's website in an online format. Approximately two percent of participants utilized the Spanish version of the survey. Nearly 11 percent of respondents were seniors, and approximately 10 percent indicated that they were disabled. Of participants who indicated their tenure, 24 percent rent their homes while 76 percent own. Appendix A provides a copy of the survey instrument and summary of survey results. C. Community Meeting to Review the Consolidated Plan On March 25, 2010, the draft Consolidated Plan will be reviewed as part of a CDCAC regular meeting. Invitations to attend the meeting were sent to neighborhood groups and service providers. Comments received during this meeting will be incorporated into Chapter 3 and Appendix A. D. Public Hearing On May 3, 2010 the City Council will conduct a public hearing to consider the Five-Year Consolidated Plan for adoption. Comments on the Consolidated Plan received during the public hearing will be incorporated into Chapter 3 and Appendix A. Public meetings and hearings were publicized adequately and held at times and locations that are convenient to the community. The location of the hearing at City Hall is accessible to persons with physical disabilities. E. Draft Consolidated Plan Availability for Public Review The Draft Consolidated Plan will be available for public review for a 30-day period beginning March 30, 2010 and ending April 28, 2010. The Draft Plan will be available at the San Chapter 2: Citizen Participation Process Page 6 City of San Bernardino 2010-2015 Consolidated Plan .. Bernardino City Hall public counter and the following public libraries: Norman F. Feldheym Central Library, Dorothy Inghram Branch Library, Howard M. Rowe Branch Library, and Paul Villasenor Branch Library. Comments received during the public review period will be incorporated into Appendix A. Chapter 2: Citizen Participation Process Page 7 City of San Bernardino 2010-2015 Consolidated Plan Chapter 3 Community Needs Chapter 3 of the City of San Bernardino 2010-2015 Consolidated Plan presents an overall assessment of the housing and community development needs in the City of San Bernardino. This needs assessment provides the foundation for establishing priorities and allocating federal, state, and local resources to address the identified needs. A. Household Needs Examination of demographic characteristics provides insight regarding the needs in a community. Understanding factors such as population growth, age characteristics, and race/ethnicity all help with the identification and evaluation of the need for housing, facilities, and services. 1. Demographic and Household Characteristics and Trends As the County seat of San Bernardino County, the City of San Bernardino encompasses approximately 60 square miles along the foothills of the San Bernardino Mountains. It is a general law city incorporated in 1854, making it one of California's oldest communities. The City of San Bernardino is one of San Bernardino County's principal cultural and business centers. The area evolved from a semi-rural farming community to an enterprise city with large railroad companies. Its current economy is primarily based upon government, retail commercial businesses, manufacturing, and logistics. Population Growth An important factor in determining the current and future needs for housing and other community services is population growth. Documented population figures from 1980 to 2005 and projected population growth figures from 2010 to 2035 are shown in Figure 1. The City of San Bernardino experienced its largest increase in population from 1985 to 1990, when the population increased by 20 percent. A trend of population increase has continued since, but percentage has declined; projected population growth is expected to be modest but steady. Chapter 3: Community Needs Page 9 City of San Bernardino 2010-2015 Consolidated Plan Figure 1: Population Growth mo,mo M 515 2 959 m / 3 16 224 924 C 21 318 mm O. 1 159 O a tmm9 11 49D m 889 19m 1985 19m 1985 21m Am IDro 1915 2® 2m5 'Am aPl6 Year The California Department of Finance estimates that in 2009, the population of San Bernardino was 204,483, making it the most populated city in San Bernardino County. Population growth projections for San Bernardino (Figure 1) anticipate that the City's population will steadily increase at an average rate of 4.75 percent every five years, with a resulting 2035 population estimate of 265,515. The overall percentage growth of San Bernardino from 2010 to 2020 is projected to be around 10.45 percent, a relatively low estimate compared to other surrounding cities, such as Colton (22.21 percent). Age Composition The age structure of a population informs current and future levels and types of housing needs. The age structure is the distribution of a population by defined age groups. Housing demand is affected by the age composition of a community, since different age groups have very different housing needs. For example, young people may trend towards occupying apartments, condominiums, and small single-family homes due to household size and/or affordability. Middle-aged adults may trend towards demanding larger homes as incomes and family sizes increase, while seniors may prefer apartments, condominiums, mobile homes, or smaller single-family homes that have lower costs and less maintenance. Table 1 shows the age distribution of San Bernardino's population. The median age for the City is estimated to be 28.6 years of age in 2008, which is slightly younger than the median age of the County at large(30.5 years of age). Chapter 3: Community Needs Page 10 City of San Bernardino 2010-2015 Consolidated Plan .b by Age III and 200B 2000 2008 2000-20118 Age Population %of Population %of %Change Population I Po ulation 17 and younger 65,180 35% 63,670 31% -2% 18-24 20,433 11% 25,326 12% 24% 25-44 54,915 30% 57,786 28% 5% 45-64 29,607 16% 39,546 19% 34% 65 and over 15,266 8% 17,313 9% 13°h Total 185,401 1 100% 203,641 100% 10% Median Age 27.6 28.6 Source: U.S.Census Bureau,2000 Census;2008 American Community survey As Table 1 indicates, from 2000 to 2008, the percentage of youth in the City experienced a slight decline, while all other age categories experienced slight to moderate increases. The decline of youth as a proportion of the population may be attributed to natural aging of the population, as the next age category (ages 18-24) saw a significant increase since 2000. Youth still represents the largest percentage of the population (31 percent), followed by the age category of 25-44. 2. Employment Trends Employment opportunities attract and retain residents. Wages and investments establish a household's income, which determines the household's ability to afford housing and other essential needs and services. Occupation According to Census estimates calculated by the American Community Survey, in 2008, 75,514 residents of San Bernardino were employed, of which approximately 29 percent had jobs in sales and office professions, the largest industries of employment for San Bernardino residents. Other common occupations were in management, professional, and related fields; jobs in these occupations accounted for 20 percent of all residents' jobs. Service jobs (19.8 percent), production, transportation and material moving (18 percent), and construction, extraction, maintenance and repair (12 percent) also accounted for high percentages of occupation types. The distribution of occupation types for San Bernardino County at large was very similar to that of the City. However, residents in the County as a whole were more likely to hold management, professional, and related occupations (Table 2). Chapter 3: Community Needs Page 11 City of San Bernardino 2010-2015 Consolidated Plan Table Bernardino r 008 City of San Bernardino County of San Occupation Bernardino Jobs %of Jobs Jobs %of Jobs Management, Professional,and Related 15,082 20% 235,234 27.4% Sales and Office 22,012 29.1% 235,088 27.3% Service 14,981 19.8% 155,237 18% Production,Transportation,and Material Moving 13,662 18.1% 134,240 15.6% Construction, Extraction, Maintenance and Repair 9,051 12% 98,241 11.4% Farm ,in Fishin ,and Forest 726 1% 2,041 .02% Total 75,514 100% 860,081 100% Source:U.S.Census Bureau,2008 American Community Survey The three largest employers in San Bernardino in 2008 were the County of San Bernardino, Stater Bros. Markets, and the San Bernardino City Unified School District(Table 3). The overall labor force participation rate in the City of San Bernardino was 59.6 percent of people aged 16 and older in 2008. The 2000 Census also estimated that over 61 percent of City residents commute outside the City for work. Table 3: Major Employers in San Bernardino - 2008 Employer Name Approximate Employees County of San Bernardino 18,0001 Stater Bros.Markets 7,9002 San Bernardino City Unified School District 7,7222 Patton Stale Hospital 2,500 San Manuel Band of Mission Indians 2,5002 California State University San Bernardino 2,100 St. Bemardine Medical Center 1,538 City of San Bernardino 1,500 Burlington Northern Santa Fe Railway 1,500 Community Hospital of San Bernardino 1,200 California Stale Department of Transportation 1,000 Inland Center Mall 1,000 1 As County seat of San Bernardino,this number reflects all County employees;not all County employees may be working within the City of San Bernardino boundaries. 2 Accounts for company-vnde employees;not all may be located within the City of San Bernardino. Source:City of San Bernardino Economic Development Agency,2008 Unemployment Rates During the recent national economic downturn, San Bernardino County's economy remained relatively stable, with unemployment similar to that of surrounding markets. In 2008, the County's unemployment rate was at an annual average of 8.0 percent, compared to 7.2 percent for the State of California. The City of San Bernardino, however, had a higher unemployment rate than the County and the State, with an unemployment rate of 10.9 percent for 2008 (Table 4). Chapter 3: Community Needs Page 12 City of San Bernardino 2010-2015 Consolidated Plan Table 4: Annual Average r r 117 Jurisdiction Rate of Unem to merit San Bernardino 10.9% Colton 8.7% Fontana 8.3% Highland 102% Redlands 5.8% Rialto 10.3% San Bernardino County 8.0% State of California 7.2% Source:State of California Employment Development Department,Annual Average Labor Force Data for counties,2008 3. Household Trends Household characteristics provide vital information for understanding the dynamic needs of a community. A household, as defined by the U.S. Census Bureau, includes all persons who occupy a housing unit (house, apartment, mobile home, group of rooms, and a single room that is occupied as separate living quarters). The occupants may be a single family, one person living alone, two or more families living together, or any other group of related or unrelated persons who share living arrangements. Persons living in retirement of convalescent homes, dormitories, or other group living situations are not considered households. Household Composition and Size The number of households in San Bernardino increased four percent between 2000 and 2008, from 56,330 to 58,604 households. As shown in Table 5, the majority of households in San Bernardino were families (72 percent). Approximately 12 percent of all households were female-headed households with children, higher than the County average of 9.1 percent. The average household size in the City of San Bernardino increased from 3.19 people in 2000 to 3.38 people in 2008. Among all family households, approximately 21 percent included at least one or more elderly persons, while eight percent of all non-family households (i.e. living alone or with unrelated roommates)were headed by an elderly person. Table 5: San Bernardino City/County Household Type 11 Female- Average q° % % Elderly Headed % Families Household Households Non-Family Households Size Families with with Elderly Household with Children Children ;San rnardino]Count 3.38 72.0% 40.9% 20.8% 7.7% 12M/rnardino 3.40 75.6% 41.4% 19.7°h Source:U.S.Census Bureau,2008 American Community Survey Chapter 3: Community Needs Page 13 City of San Bernardino 2010-2015 Consolidated Plan Overcrowding Overcrowding can be an indicator that housing in a community is expensive given the incomes of local residents. An overcrowded household is defined as one with more than one person per room, excluding bathrooms, kitchens, hallways, and porches. Severely overcrowded households are those with more than 1.5 persons per room. Unit overcrowding typically results from the combined effect of low earnings and high housing costs in a community, and reflects the inability of households to buy or rent housing that provides a reasonable level of privacy and space. Overcrowding accelerates deterioration of homes and infrastructure, and results in a shortage of on-site parking. The 2008 American Community Survey reports that 15 percent of occupied housing in the City was overcrowded. The incidence of overcrowding in the City of San Bernardino was much higher than countywide (8.6 percent). Severely overcrowded households were also more prevalent in the City than the County at large; 6.3 percent of households in the City were overcrowded in 2008, compared to 2.5 percent in the County(Table 6). Table Bernardino City/County Overcro ding 11' %of All Housinq Units San Bernardino San Bernardino Count Overcrowded 1.01-1.5 persons/room) 8.8% 6.1% Severely Overcrowded >1.5 persons/room) 6.3% 2.5% Total Overcrowded >1.0 rson/room 15.1% 8.6% Source:U.S.Census Bureau,2008 American Communit y SuNe The prevalence of overcrowding varies significantly by income, tenure type, and size of household. Generally, lower income households and large families are disproportionately affected by overcrowding. As indicated in Table 7, overcrowding is more than twice as likely to occur in renter-occupied housing units (21 percent) versus owner-occupied housing units (nine percent). Table Bernardino Overcrowding by r • 11' %of All Owner Occupied %of All Renter Occupied Housing Units Housing Units Overcrowded 1.01-1.5 persons/room) 7.4% 10.2% Severely Overcrowded >1.5 persons/room) 2% 11.1% Total Overcrowded >1.0 person/room) 9.4% 21.4% Source:U.S.Census Bureau,2008 American Community Surve Race and Ethnicity Race and ethnicity have implications for housing need, as certain demographic and economic variables correlate with race. Similar to trends in other communities in California, San Bernardino has become increasingly diverse in its racial and ethnic makeup (Table 8). From 2000 to 2008, the overall percentage of White persons declined, while the percentage of Hispanic persons increased. In 2000, Hispanics accounted for 47 percent of the population; that percentage is estimated to have increased to 56 percent in 2008. The percentages of Black, Asian, Pacific Islander, American Indian, and Other races have remained relatively the same. Chapter 3: Community Needs Page 14 City of San Bernardino 2010-2015 Consolidated Plan Table r o Race or 100 and 2008 Race or Ethnicity 2000 2006 Population %of Population Population %of Population Hispanic Origin 87,654 47.3% 114,348 56.2% White 53,900 29.1% 42,419 20.8% Black 28,965 15.6% 35,509 17.4% Asian 7,392 4.0% 7,529 3.7% Other 5,614 3.0% 3,260 1.6% Pacific Islander 670 0.4% 434 0.2% Ame rican Indian 1,193 0.6% 142 0.1% Source:U.S.Census Bureau,2000 U.S.Census;2008 American Community Survey Comparing the racial/ethnic composition of the population with that of the householders indicates that 28.5 percent of households in San Bernardino were headed by White persons and 48 percent by Hispanic persons in 2008 (see Table 9). The racial/ethnic composition of householders in the City did not mirror that of the County. In the County, only 37 percent of heads of households were Hispanic, whereas White constituted 46 percent of householders. r ' r r r 11 Persons Households Race or Ethnicity San Bernardino San Bernardino San Bernardino San Bernardino Count Count Hispanic Origin 56.2% 47.5% 48.0% 37.3% White 20.8% 35.5% 28.5% 45.9% Black 17.4% 8.3% 18.2% 9.2% Asian/Pacific Islander 3.9% 6.1% 4.6% 6.2% Other 1.7% 2.6% 0.7% 1.4% Source:U.S.Census Bureau,2000 U.S.Census;2008 American Community Survey Areas of Minority Concentration Areas with concentrations of minority residents may have unique needs, particularly in areas where recent immigrants tend to reside. A concentration is defined as a Census block group with a proportion of minority residents greater than that of the countywide average. Figure 2 illustrates the concentrations of minority (non-White) households in the City. As shown, virtually the entire southern half of the City (below Highland Avenue) has a minority population of at least 56 percent (the county average). In contrast, Census tracts above Highland Avenue generally lack minority concentrations. Concentrations of Low and Moderate Household Income Population According to the 2008 American Community Survey, San Bernardino households had a median income of $38,282, or approximately 70 percent of the countywide median income of$55,021.2 ] Even though the term 'family income" is be used as a synonym for household income in State and federal housing programs, the U.S. Census Bureau defines the two differently. While household income lakes all households into account, family income only includes households with two or more persons related through �+.. blood, marriage or adoption. Chapter 3: Community Needs Page 15 City of San Bernardino 2010-2015 Consolidated Plan Use of CDBG funds on public improvements can only occur in income-eligible areas. The CDBG program defines income eligibility as any block group with 51 percent or more of the population earning incomes less than 80 percent of the Area Median Family Income (Area MFI). Figure 3 illustrates the income-eligible areas in San Bernardino. Income Definitions For purposes of housing and community development resource programming, HUD has established income definitions based on the Median Family Income (MFI) for a given Metropolitan Statistical Area (MSA). These income definitions are presented in Table 10. Income Group %of Area MFI Extremely Low Income 0-30°h Low Income 31-50% Moderate Income 51-80% Middle/Upper >81% Income Distribution Based on the HUD definitions specified in Table 10, over 35 percent of the City's total households in 2000 were within extremely low income (30 percent MFI) and low income (50 percent MFI) categories, and nearly 20 percent were within the moderate income (80 percent MFI)category. In San Bernardino, households with low and moderate incomes comprised over half of the total households (55 percent). The proportion of households with low and moderate incomes was highest among Black (64 percent) and Hispanic (63 percent) compared to White (43 percent) households (Table 11). '^t Chapter 3: Community Needs Page 16 V G c m C @ m N uEi c t oa iio W �� !0 N C b G E b 1 N o ofB, a ° c of UU U a �_ IcgF_N a e eS •a � o :% r N His a'E i I � xl \ \ ally all `' . s,i � o Wb Y94 Ut N� um x 2 q ,Ja NQ � o Q GH 16666 c � E ni 4 v �' �°o°0 1 I I � ^• i JI C N L..1 - •g x E, 3 iq •j� /� w 6wWeH gI s rpaeu„„ •1 a 6 § O � ti'• / •� / P [ EE �• _ o m N I E EL e C l0 .y Svc C f0 p -p �ff. d O 1 Ji i I City of San Bernardino 2010-2015 Consolidated Plan Table 11: Household Income by Race/Ethnicity -2000 I %of %Extremely %of Low Moderate %/U Households Total %of Total Low Income Income Income Middlelpper Households Households (0-30%MR) (31-800% (51-F MF 0% Income I)80% White 22,085 39.1% 14.1% 10.9% 18.3% 56.7% Hispanic 20,523 36.9% 21.8% 17.5% 23.3% 37.4% Asian/PI 21158 3.9% 25.3% 15.1% 13.9% 45.8% Black 9,459 17% 31.7% 16.1% 16.1% 36.1% Other 1,875 3.1% 17.5% 8.8% 21.1°k 52.6% Total 56,100 1 100% 20.8% 14.4% 19.5% 45.2% Source:2004 HUD CHAS Data,based on 2000 Census. 4. Special Needs Populations Certain segments of the population may require special supportive services or accommodations and may have difficulty finding decent, affordable housing in the City due to special needs. Special needs groups include the elderly, persons with disabilities, female- headed households, large households, persons with drug and/or alcohol addiction, victims of domestic violence, and persons with HIV/AIDS. A summary of Licensed Community Care Facilities in San Bernardino that serve some of the special needs groups is provided in Table 12, followed by detailed discussions of each of the special needs. There are 65 licensed community care facilities located in the City of San Bernardino with a total capacity to serve 1,083 persons. Table r II' Type of Facility Total Number of Facilities Total Capacity(Number of Beds or Persons) Adult Day Care 6 295 Adult Residential Facility 40 336 Group Home 9 54 Residential Care for the Eldedy 10 398 Total 65 1,083 Source:Califomia De artmmt of Social Services,Community Care Umnsing Division,2009 Adult day care facilities provide programs for frail elderly and developmentally disabled and/or mentally disabled adults in a day care setting. Adult residential facilities provide care for developmentally and mentally disabled adults. Group homes are facilities of any capacity and provide 24-hour non-medical care and supervision to children in a structured environment. Group homes can provide social, psychological, and behavioral programs for troubled youths. Elderly residential care facilities can accommodate elderly persons with dementia and/or those who are non-ambulatory. L Chapter 3: Community Needs Page 19 City of San Bernardino 2010-2015 Consolidated Plan Elderly and Frail Elderly 13 The population over 65 years of age is considered elderly. There are four main concerns that affect the elderly: • Income: Many people over 65 are retired and are living on a fixed income. • Health Care: The elderly have a higher rate of illness and more medical needs. • Transportation: Many seniors use, and are reliant on, public transit. • Housing: Many seniors live alone and rent, and due to limited income, affordable housing options are important. According to the 2008 American Community Survey, approximately 17,313 elderly persons resided in San Bernardino, representing 8.5 percent of the total population. Approximately 7,196 elderly persons were considered frail elderly; that is, they were seniors with a disability. A larger proportion of senior households had low and moderate incomes (59 percent) compared to all households (55 percent). Approximately 35 percent of elderly households experienced one or more housing problems, such as overpayment or substandard housing, compared to the citywide average of 50 percent. However, elderly residents who rent were more likely to experience housing problems (57 percent). In addition, elderly residents are often less able to make improvements to their housing due to limited income as well as a higher rate of disabilities (Table 13). Table tit %of Population With a Low/Moderate Households with Population' Disability' Income Z Housing Problems' Households Elden 8.5% 47.7% 58.9% 35.1% All Households 100% 22.4% 54.8% 49.9% Sources:1 U.S.Census Bureau,2000 Census;2 HUD CHAS,2004 As described above, there are 10 facilities that have a capacity to provide residential care for up to 398 elderly persons. As shown in Table 14, San Bernardino has several affordable senior housing developments that are income restricted and provide housing opportunities for the elderly in the community. Chapter 3: Community Needs Page 20 City of San Bernardino 2010-2015 Consolidated Plan Name Location Total Units AHEPA 302 Apartments 377 E.Gilbert Street 90 Arrowhead Woods 1650 W. 16th Street 51 Casa Bemardine Retirement Center 1589 N.Waterman Ave 241 Casa Ramona Senior Complex 1519 W.8th Street 44 Jeffery Court Senior Apartments 3677 Central Avenue 184 Laurel Place 363 E. Gilbert Street 70 Light's Rancho Linda 1642 W.27th Street 50 The Plaza 5655 N.G Street 160 San Bernardino Senior Housing 1540 W.Baseline Ave. 75 St.Bemardine's Plaza 550 W.S°Street 150 TELACU I Sierra Vista 650 W.6'h Street 75 TELACU II Monte Vista 451 N.H Street 75 TELACU III Buena Vista 365 E.Commercial Rd. 75 Total 1,340 The majority of elderly in the City of San Bernardino have access to the programs that operate in the City. Many of these programs are provided at the two senior centers: Fifth Street Senior Center and Perris Hill Park Senior Center. Many groups in San Bernardino provide supportive services to the elderly (Table 15). In general, service needs of the elderly include adult day care, crime/victim and legal services, education services, employment and training, emergency services, financial aid and benefits, health information and services, housing services, in-home services, mental health services, and transportation services. Table Senior Name Location• Services Casa Ramona Center 1524 W.7t'Street Social recreation,congregate meals Social recreation,congregate meals, health Delmann Heights Community 2969 Flores Street screening,in-home support services, Center security/crime assistance,transportation assistance Hernandez Nutrition Center 222 Lugo Avenue Nutritional Services Lytle Creek Community Center 380 S.K Street Nutritional Services Perris Hill Senior Center 780 E.21�Street Social recreation,congregate meals,health screening, information and assistance Social recreation,congregate meals,case management,consumer services,employment San Bernardino Senior Center 600 W.5'"Street assistance, health screening, information and assistance, in-home support services,mental health screening, respite care Highland Senior Center 3102 E. Highland Senior nutrition,recreational and social Ave. o rtunities,and transportation Home of Neighborly Service 839 N. Mt.Vernon Senior nutrition, recreational opportunities Chapter 3: Community Needs Page 21 City of San Bernardino 2010-2015 Consolidated Plan Persons with Disabilities The Americans with Disabilities Act defines a disability as a "physical or mental impairment that substantially limits one or more major life activities." Physical disabilities can hinder access to conventionally designed homes, prevent persons from earning adequate income, and restrict mobility around a community. Mental disabilities can affect a person's ability to maintain a home or job. As such, persons with disabilities often require additional services, often related to health, transportation, and special housing needs. Special housing needs for persons with a disability can fall into two categories: 1) physical design to address mobility impairments; and 2) social, educational, and medical support to address developmental and mental impairments. Housing opportunities for individuals with disabilities can be addressed through the provision of affordable, barrier free housing. Rehabilitation assistance can be targeted toward disabled renters and homeowners for unit modifications to improve accessibility. An estimated 18,248 persons' in the City of San Bernardino (nine percent of the population) have one or more disabilities. This proportion is similar to that of San Bernardino County, where 10 percent of the population is disabled. According to the 2008 American Community Survey, approximately 10,124 persons with a disability in San Bernardino are within working age (18-64 years old). Of these persons with a disability who are of working age, approximately 29 percent are employed. An estimated 28 percent of persons with disabilities live below the poverty line. Severely Mentally❑1 Severe mental illness includes the diagnoses of psychoses (e.g. schizophrenia) and the major affective disorders (e.g. bipolar, major depression). According to national estimates, approximately one percent of the adult population meets a definition of severe mental illness -. based on diagnosis, duration, and disability. Based on this estimate, roughly 2,036 persons in the City may suffer from severe mental illness. Housing is an integral part of a system of care for the severely mentally ill because the prime support network and focus of daily living activities is associated with the residence. The major barrier to stable, decent housing for the seriously mentally ill is the availability of affordable housing. A substantial majority of persons in this population depend solely on Social Security Insurance payments. With limited income, few persons in this special needs group can afford rental housing on the open market. Due to the lack of access to affordable housing, mentally ill persons are at greater risk of becoming homeless or living in unstable and/or substandard housing situations. In addition, health care and mental health services are an integral component of care for persons with severe mental illnesses. The San Bernardino County Department of Behavioral Health provides a variety of free and low cost services and programs for low to moderate income households. Services for individuals with mental health illnesses include adult services, alcohol and drug services, children services, forensic services, patient rights, outpatient services, and crisis services. ' The American Community Survey refers to the disability status of only the civilian non-institutionalized population. Disability is defined as the restriction in participation that results from a lack of ft between the individual's functional limitations and the characteristics of the physical and social environment. The Census Bureau does not recommend any comparisons to disability data from the 2007 ACS and earlier due to questionnaire changes. Chapter 3: Community Needs Page 22 City of San Bernardino 2010-2015 Consolidated Plan The accessibility and affordability of health services are two major issues to low and moderate income households since many do not have basic health insurance, or more specialized care such as dental and vision care. In the past, the City has used CDBG funds to support health services for low and moderate income households, particularly health services for youth. Developmentally Disabled The term developmental disability describes a number of conditions that permanently restrict an individual's development. The State of California identifies developmental disability as a diagnosis originating before age 18 of one or more of the following conditions: mental retardation, epilepsy, cerebral palsy, and autism. The definition of developmental disability also relates to a person's score on standardized intelligence tests. Persons with an IQ below 70 are typically defined as developmentally disabled. According to the California State Council of Developmental Disabilities (SCDD), approximately 1.8 percent of the State's population fits the definition of developmentally disabled. Applying this estimate to the City of San Bernardino, an estimated 3,680 persons in the City may be considered developmentally disabled. It is possible for developmentally disabled persons to live and work independently within a conventional housing environment. Severely disabled individuals require a group living environment where supervision is provided. The most severely affected individuals may require an institutionalized environment where medical attention and physical therapy are provided. Six adult day care facilities (with a total capacity of 295 persons) in San Bernardino are licensed by the State Department of Social Services to serve the disabled, including those with developmental disabilities. Physically Disabled According to the 2008 American Community Survey, 17,320 adults aged 18 and over suffered from one of more disabilities in San Bernardino. Over half of those adults suffered from problems with living independently, which is defined as having difficulty completing everyday tasks and errands due to physical, mental, or emotional problems. Self-care limitations are also common for persons with physical disabilities; over 5,000 adults in San Bernardino are estimated to have difficulty doing tasks such as dressing or bathing themselves(Table 16). The Americans with Disabilities Act(ADA) of 1990 and amendments to the Fair Housing Act, as well as California law, require ground-floor units of new multi-family developments with more than four units to be accessible to persons with disabilities. However, units built prior to 1989 are rarely accessible to persons with disabilities. Furthermore, not all new construction may have the range of modifications needed by specific individuals. Older units, particularly older multi-family structures, are very expensive to retrofit for disabled occupants because space is rarely available for elevator shafts, ramps, widened doorways, etc. In addition to changes to the units, the site itself may need modification to widen walkways and gates, and to install ramps. Chapter 3: Community Needs Page 23 City of San Bernardino 2010-2015 Consolidated Plan r , Type of Di ability 1 r r r Number of Adults 11 With a Hearing Difficulty 3,267 With a Vision Difficulty _ 3,766 With a Cognitive Difficulty 6,686 With an Ambulatory Difficulty 11,904 With a Self-Care Difficulty 5,068 With an Independent Living Difficulty 8,796 Note:Adults may have one or more disabilities.Total number of adults with one or more disabilities is esfimated at 17,320 Source:U.S.Census Bureau;2008 American Community SuNe Female-Headed Households Single-parent households are likely to have special needs for housing, including proximity and access to day care, public transportation, and recreation facilities. In 2008, households headed by women comprised approximately 23 percent (13,411 households) of all households in San Bernardino. Of these households, the majority (7,024 households) included children. Female-headed households comprise a disproportionate number of families that are living in poverty. In the City, approximately 33 percent of female-headed families are living below the poverty level, whereas only 15 percent of married couple families are living below the poverty level. Countywide, 30 percent of the female-headed families were living in poverty, and only seven percent of married couple families were living in poverty. Large Households Large households, defined as those with five or more persons, have special housing needs due to greater household expenses in relation to income and the lack of adequately sized, affordable housing. As a result, large households often live in overcrowded conditions. For San Bernardino, the 2008 American Community Survey estimated that 11,454 households had five or more members, representing almost 20 percent of the total households in the City. The special Census tabulations for HUD, Comprehensive Housing Affordability Strategy (CHAS), indicate that among the large households in the City, approximately 74 percent experienced some form of housing problems in 2000 (Table 17). These housing problems include overcrowding, cost burden, or substandard housing conditions. As such, there is a need for larger affordable housing units (with three or more bedrooms) in the City. Table r• Household Profile -2000 Special Need Group °�of Total Lowl Moderate Housing S P p Households' Income2 Problemsz Large Households 22.4% 60.9% 74.4% All Households 100% 54.8% 1 49.9% Sources:1 U.S.Census Bureau,2000 Census;2 HUD CHAS,2004 Chapter 3: Community Needs Page 24 City of San Bernardino 2010-2015 Consolidated Plan People with HIV Infection and AIDS For persons living with HIV/AIDS, access to safe, affordable housing can be as important to their general health and well-being as access to quality health care. For many, the persistent shortage of stable housing is the primary barrier to consistent medical care and treatment. According to the California Department of Public Health, a total of 1,439 HIV and 1,759 AIDS infected persons lived in San Bernardino County as of December 31, 2008. The Housing Opportunities for Persons with AIDS (HOPWA) Program is a federally funded housing program to address the specific needs of persons living with HIV/AIDS and their families. Since 1993, the City of Riverside has administered the HOPWA formula grant for communities in San Bernardino and Riverside counties. The City of Riverside contracts with the County of San Bernardino to provide supportive services for persons with HIV/AIDS. The City of San Bernardino does not qualify HOPWA formula funding. HOPWA funds are distributed to metropolitan areas with a population of more than 500,000 and at least 1,500 cumulative AIDS cases. In these metropolitan areas, the largest City serves as the Formula Grant Administrator. For the San Bernardino-Riverside metropolitan area, the City of Riverside, as the largest City, administers the region's HOPWA grant. In 1994, the Department of Public Health of San Bernardino County began receiving Ryan White Program funding to support programs in San Bernardino County and Riverside County. As of May 1, 2008, the San Bernardino and Riverside Counties have a total of eight public and community-based organizations funded by the Ryan White Program that provide services to those who lack health insurance and financial resources to care for their ailment. San Bernardino Public Health Reproductive Health Services provides family planning services to residents in both San Bernardino and Riverside Counties. Services include birth control methods, male and female reproductive exams, STD testing and treatment, HIV testing and referrals, pregnancy testing and counseling, education, and specialized teen services. Alcohol/Other Drug Abuse Alcohol/other drug abuse is defined as excessive and impairing use of alcohol or other drugs, including addiction. The National Institute of Alcohol Abuse and Alcoholism estimates the number of men with drinking problems (moderate or severe abuse) at 14 to 16 percent of the adult male population and the number of women with similar problems at six percent. Applying these general estimates, over 15,000 San Bernardino adult residents may have substance abuse problems. The San Bernardino County Department of Behavioral Health Office of Alcohol and Drug Programs provides a full range of alcohol and drug services for communities and residents. Prevention, outpatient, and residential programs are offered in every significant population center in the County through contracts with community-based organizations. The following organizations and programs in the City of San Bernardino provide services such as alcohol detoxification, treatment for chemical dependency, and homeless programs: • Inland Behavioral and Health Services, Inc. • Casa de San Bernardino, Inc. • New House Chapter 3: Community Needs Page 25 City of San Bernardino 2010-2015 Consolidated Plan • San Bernardino County Public Health Department • SAC Health Systems • San Bernardino Center for Change • Institute for Public Strategies • Miracles in Recovery • Veterans Alcoholic Rehabilitation Program Victims of Domestic Violence Domestic violence often goes unreported, which makes it difficult to assess the extent of the problem in communities. One source for San Bernardino is the county's Continuum of Care application for Shelter Housing Program funds, which estimated that 12 percent of local homeless are victims of domestic violence. A primary need for victims of domestic violence is emergency shelter in a safe and confidential location. Subsequently, affordable housing options are important to provide victims with options for housing, so as not to have to return to an unsafe home. Supportive case management services can be extremely helpful to break the cycle of violence for victims of domestic violence. These services can include counseling, court accompaniment, information and referrals, and personal advocacy. In addition, emergency and/or transitional shelter, in a confidential place, is often necessary to ensure victims' safety. 5. Estimates of Current Housing Needs The CHAS developed by the Census for HUD provides detailed information on housing needs by income level for different types of households. Detailed CHAS data based on the 2000 Census is displayed in Table 18. Based on CHAS, housing problems include: units with physical defects (lacking complete kitchen or bathroom), overcrowded conditions (housing units with more than one person per room), housing cost burden exceeding 30 percent of gross income, or severe housing cost burden exceeding 50 percent of gross income. The types of problems vary according to household income, type, and tenure. Some highlights include: • In general, San Bernardino renter-households had a higher level of housing problems (61.8 percent)compared to owner-households(39.1 percent). • Large renter-households in the City of San Bernardino had the highest level of housing problems regardless of income level. Almost all (96 percent) of both extremely low income and low income large family-renters experienced housing problems. Among the other household types, a high percentage of elderly households also suffered housing problems. Approximately 76 percent of the extremely low income and 66 percent of low income elderly renters suffered from a housing problem. Cost burden was a major component of housing problems for the elderly. ter, Chapter 3: Community Needs Page 26 City of San Bernardino 2010-2015 Consolidated Plan Table . Assistance Needs of Low r Moder2000 ate Income Households Household by Type, Income, Renters Owners Total and Housing Problem Elderly Small Large 165.4 Elderly Total Households Families Families Owners Extremely Low Income 938 3,650 2,185 1,039 2,802 11,665 0-30%MFI %with an housing problem 75.5 89.3 97.5 67.3 72.2 83.0 •with cost burden>30% 75.1 84.7 87.0 67.3 69.2 78.6 %with cost burden>50% 56.0 67.3 67.0 46.2 53.3 62.5 Low Income 643 2,350 1,400 5,308 945 2,796 8,104 31-50%MFI %with any housing problem 65.8 83.6 93.2 83.9 42.9 69.1 78.8 •with cost burden>30% 65.2 71.3 60.7 69.2 42.9 64.8 67.7 •with cost burden>50% 22.6 18.1 12.5 19 25.4 37.7 25.5 Moderate Income 419 2,380 1,214 5,342 1,320 5,624 10,966 51-80%MR) %with any housing problem 42.7 52.9 761 53.9 28.0 58.8 56.5 %with cost burden>30% 40.3 31.9 17.2 30.4 26.9 44.1 37.4 %with cost burden>50% 9.3 1.1 1.2 2.4 10.2 11 6.8 Total Households 2,435 11,950 5,849 26,643 6,571 29,457 56,100 %with any housin problem 56.5 59.1 85.5 61.8 27.1 39.1 49.9 Note:Data presented in this table is based on special tabulations from sample Census data.The number of households in each category usually deviates slightly from the 100%count due to the need to extrapolate sample data out to total households.Interpretations of this data should focus on the proportion of households in need of assistance rather than on precise numbers. Source:HUD Comprehensive Housing Affordability Strategy CHAS Data,2004. Disproportionate Housing Need Disproportionate need refers to any need that is more than 10 percentage points above the need demonstrated for the total households. For example, 85.5 percent of large renter families (a subset of renter-households) experienced housing problems, compared to 61.8 percent of all renter-households or 49.9 percent of all households. Thus, large families that are renting have a disproportionate need for housing assistance. Extremely low Income Households(0-30 Percent MFI) Of households in the City with a housing problem (49.9 percent), extremely low income households experienced a disproportionate number of housing problems (83 percent). Among extremely low income households, a higher percentage of renter-households (87 percent) had housing problems compared to owner-households (72 percent). Extremely low income large renter families had a higher incidence of problems (97.5 percent) than other extremely low income households (83 percent). Low Income Households (31-50 Percent MFI) Approximately 79 percent of all low income households experienced one or more housing problems, compared to 50 percent of all households in the City. Thus, low income households also have a disproportionate need compared to the general population. Again, renters disproportionally experienced housing problems compared to owners, as 84 percent of renters experienced some type of housing problem, compared to 69 percent of owner- households in this income group. Chapter 3: Community Needs Page 27 City of San Bernardino 2010-2015 Consolidated Plan Low income large family renter-households had the greatest level of need among low income households, with over 93 percent facing some type of housing problem. Small-family renter-households are the next group in need, with 84 percent facing housing problems. Approximately 66 percent of all low income elderly renter-households had housing problems. Moderate Income Households (51-80 Percent MFI) Approximately 57 percent of all moderate income households experienced housing problems. Similar to low and extremely low income households, a lower proportion of moderate income owner-households (59 percent) had housing problems, compared to renter-households (54 percent); however, the discrepancy is not large. Large-family renter- households experienced the highest percent of housing problems compared to other moderate income households. A large portion of the housing programs were associated with overcrowding and housing conditions, rather than with cost burden. Disproportionate Housing Need based on Race/Ethnicity Table 19 below indicates the disproportionate needs of race/ethnic groups in San Bernardino, as calculated by the CHAS. A disproportionate need was concentrated among minority elderly and small and large family renters and owners. Table oportionate Income Levels San Bernardino Special Needs Groups Extremely low Income • Hispanic(Family Owners) (0-30%AMI) . Black Non-Hispanic(Family Owners Low Income • Hispanic(Family Owners) (31 -50%AMI) . Black Nor-Hispanic(Elderly Owners Moderate Income • Hispanic(Family Renters) (51 -BO%AMI) . Black Non-His anic(Elderly Owners Source:CHAS,2004. 6. Public Outreach Housing Needs Results As part of the public outreach for the 2010-2015 Consolidated Plan, the City of San Bernardino conducted a community meeting and a community survey. The comments and insight provided from those sources are discussed here. Community Meeting Housing was one of the primary issues discussed by participants at the San Bernardino Consolidated Plan community meeting. Participants were primarily concerned about housing affordability and voiced a need for new affordable housing, especially for seniors and disabled persons. Multi-family housing and mixed-use housing (housing with a retail or commercial component included) were recommended. Participants noted that the Section 8 wait list is long, and the application is complex. With rising unemployment, participants noted a need for rental gap assistance to keep people in their homes. City staff estimated that approximately 5,000 homes have been foreclosed in San Bernardino between January 2008 and January 2010. The City has used Neighborhood Stabilization Program funds to purchase foreclosed and abandoned homes and re-sell these Chapter 3: Community Needs Page 28 City of San Bernardino 2010-2015 Consolidated Plan to low and moderate income homebuyers. Renters have also been affected by the increasing rate of foreclosures. When investment properties are foreclosed, the renter is the last person to know. There is often confusion over who to pay as well as concerns about fraud. Participants also noted that post-incarcerated persons have difficulty finding housing, as applications ask for information on incarceration, limiting access to housing options in the City. The Inland Fair Housing and Mediation Board noted that while in previous years, race was the basis for most discrimination complaints, now disabled status is the most common fair housing complaint the Board receives. Participants noted a need for housing rehabilitation assistance in single-family homes to address blight and overcrowded conditions. Housing rehabilitation assistance can give neighborhoods a facelift and encourage continued investment in the area. Community Survey Housing was one of the components of the community survey that was posted on the City's website for residents and service providers. Respondents were asked to rank the relative importance of a variety of types of programs and projects for each category. For each category, the respondent was asked to indicate unmet needs that warrant expenditure of public funds by ranking the relative importance of each need. In tabulating the survey results, the lower averages (and closer to 1) represent the community's assessment of that category as more in need. The survey indicated that participants felt that ownership housing rehabilitation, homeownership assistance, and energy efficient improvements were the most important housing needs in the community(Table 20). . i . Housing Category Rank Order -Ownership Housing Rehabilitation 1 -Homeownership Assistance 2 -Energy Efficient Improvements 3 Senior Housing 4 Rental Housing Rehabilitation 5 -Housing for Disabled 6 Fair Housing Services 7 Affordable Rental Housing 8 -Housing for Large Families 9 Lead-Based Paint Test/Abatement 10 7. Homeless Needs Like many areas of California, San Bernardino County has a significant homeless population due largely to the lack of affordable housing. The City of San Bernardino has stated its commitment to coordinate services and facilities available for the homeless as a Continuum of Care. The Continuum of Care stresses permanent solutions to homelessness through comprehensive and collaborative community planning. The goal of a comprehensive Chapter 3: Community Needs Page 29 City of San Bernardino 2010-2015 Consolidated Plan homeless service system is to ensure that homeless individuals and families move from homelessness to self-sufficiency, permanent housing, and independent living. The following sections provide an overview of the homeless population in San Bernardino, summarize the housing and supportive service needs of the homeless and persons and families at risk of becoming homeless, and provide descriptions of services and facilities available to serve the City's homeless population and those who are at risk of becoming homeless. Service and facility gaps in the Continuum of Care are also identified. Homeless Population The County of San Bernardino Office of Homeless Services conducted a comprehensive survey of the County's homeless population in 2009. According to the 2009 San Bernardino County Point-in-Time Homeless count and survey, approximately 1,736 homeless persons live in the City of San Bernardino, with 968 of the persons classified as unsheltered homeless, 747 persons estimated to be living in emergency or transitional housing facilities, and the remaining 21 persons counted as using a hotel/motel voucher during the night of the survey. As part of the 2009 Homeless Count and Survey, interviews were conducted with homeless persons regarding demographics and their housing and service needs. Some of the more significant findings are as follows: • The most cited reason for being homeless was the loss of employment. The top three cited reasons for why sheltered homeless were unable to obtain or maintain employment were lack of jobs (33 percent), need more education (30 percent), and lack of transportation (27.4 percent). • Approximately 24 percent of the sheltered homeless surveyed were employed, compared to only 10 percent of the surveyed unsheltered homeless. • When asked to indicate any government assistance received, approximately 47.3 percent of unsheltered survey respondents indicated they received no government assistance, compared to only 29.6 percent of sheltered survey respondent indicating their received no government assistance. • Approximately 44.8 percent of all unsheltered survey respondents indicated that they were experiencing a serious physical illness or disability, whereas only 24.4 percent of all sheltered respondents indicated such. • The majority of both sheltered and unsheltered respondents indicated that they lived alone; 32.7 percent of the sheltered homeless respondents indicated that they lived with family members only, including children, whereas only 5.7 percent of the unsheltered respondents did. Homeless Subpopulations Since homelessness is a regional issue, data presented in this section is also based on statistics for the entire County in addition to statistics for the City. Much of the data were obtained from the San Bernardino County's 2009 Application for Supportive Housing Grants Chapter 3: Community Needs Page 30 City of San Bernardino 2010-2015 Consolidated Plan to implement the Continuum of Care system. San Bernardino County's homeless can be divided into these subpopulations: chronically homeless, severely mentally ill, chronic substance abusers, veterans, persons with HIV/AIDS, victims of domestic violence, and unaccompanied youths. Chronically homeless persons make up 26 percent of the homeless population, 12 percent are victims of domestic violence, 18 percent are chronic substance abusers, 21 percent are severely mentally ill, another two percent are living with HIV/AIDS, 18 percent are veterans, and three percent are unaccompanied youths. Persons Threatened with Homelessness Experts estimate that two to three families are on the verge of homelessness for every family in a shelter. The at-risk population is comprised of families and individuals living in poverty who, upon loss of employment or other emergency requiring financial reserves, would lose their housing and become homeless. These families are generally experiencing a housing cost burden, paying more than 30 percent of their income for housing, and are often living in overcrowded conditions. According to the CHAS data, 63 percent of the City's extremely low income households and 26 percent of the low income households were paying more than 50 percent of their income on housing in 2000. These households are most vulnerable to sudden change in financial situations and may as a result become homeless. Individuals released from penal, mental, or substance abuse facilities also are at risk of homelessness if they cannot access permanent housing or lack an adequate support network, such as a family or relatives in whose homes they could temporarily reside. Another particularly vulnerable population is foster care children. Upon reaching 18 years of age, foster children lose eligibility for many public services and are released, often without the skills necessary to obtain employment and a place to live. Several agencies throughout the County provide temporary housing and services to abused, neglected, abandoned, and/or runaway children. Once these children reach legal adult age, the services provided by these agencies cannot continue. It is important to ensure that these young adults do not age out of their program into a life of homelessness. Agencies such as the San Bernardino County Department of Public Health-One Stop Transitional Age Youth Center and the Centralized Children's Intensive Case Management Services (CCICMS) play a critical role in planning a discharge plan to ensure youth with physical, mental, and/or substance abuse issues are identified prior to their emancipation, and that they are linked to appropriate supportive services and housing. Another group of at-risk homeless persons is those facing foreclosures. The City of San Bernardino is experiencing significant number of foreclosures due to the current mortgage crisis and recession. Foreclosures impact not only the homeowners but also renters when their landlords fail to make mortgage payments on their rental properties. Inventory of Facilities and Services for the Homeless and Persons Threatened with Homelessness The San Bernardino County Homeless Partnership (SBCHP) was formed to provide a more focused approach to issues of homelessness within the County. The Partnership consists of community and faith-based organizations, educational institutions, nonprofit organizations, private industry, and federal, state, and local governments. Chapter 3: Community Needs Page 31 City of San Bernardino 2010-2015 Consolidated Plan SBCHP was developed to promote a strong collaboration between agencies to direct the planning, development, and implementation of the County's Ten-year Strategy to End Chronic Homelessness. SBCHP provides a comprehensive countywide network of service delivery to the homeless and near-homeless families and individuals through facilitating better communication, planning, coordination, and cooperation among all entities that provide services and/or resources for the relief of homelessness in San Bernardino County. The passage of the American Recovery and Reinvestment Act (ARRA) of 2009 provided $1.5 billion for communities throughout the United States to provide financial assistance and services to either prevent individuals and families from becoming homeless or help those who are experiencing homelessness to be quickly re-housed and stabilized. HUD administers these funds through the Homeless Prevention and Rapid Re-Housing Program (HPRP). For applicants meeting HPRP eligibility requirements, services may include short- term and medium-term rental assistance and utility assistance, housing relocation and stabilization services, case management services. For the City of San Bernardino, services are administered by Inland Temporary Homes. Preventive services are aimed at preventing the incidence of homelessness by assisting individuals and families from slipping into the cycle of homelessness due to a temporary or sudden loss of income. Mainstream preventive programs that are provided countywide include: • Emergency food assistance through food banks and local food pantries • Community-based counseling services • Low Income Home Energy Assistance Program (HEAP) .., • Emergency Food and Shelter Grants (EFSG) Program • Food Stamp Employment and Training (FSET) Program • Community-based case management and life skill training for low income households San Bernardino County's Behavioral Health Department is the primary non-HUD funded outreach service provider to the chronically homeless, which receives funding from the State of California via the Mental Health Services Act (2004). Some of the services provided include outreach, crisis intervention, homeless prevention, specialized treatment after release, and housing placement and maintenance services. The Inland AIDS Project, Foothill AIDS Project, Inland Behavior and Health Services, and the San Bernardino County Department of Public Health all work together providing medical services to homeless persons, including field tests for TB, HIV, and other communicable diseases. These agencies also provide general outreach functions related to such diseases. Emergency shelters often provide accommodation for a few days up to three months. Transitional housing provides shelter for an extended period of time (as long as 18 months) and generally includes integration with other social services and counseling programs that assist people in attaining a permanent income and housing. Permanent supportive housing is rental housing for low income or homeless people with severe mental illness, substance abuse, or HIV/AIDS with accompanying services that further self-sufficiency. A network of nonprofit organizations operates 24 emergency shelter facilities, 24 transitional housing facilities, and seven permanent supportive housing facilities within the County. ^1 Chapter 3: Community Needs Page 32 City of San Bernardino 2010-2015 Consolidated Plan Specifically, the County, individual jurisdictions, and numerous agencies oversee a total of 425 beds in emergency shelters, 461 beds in transitional housing shelters, and 157 beds in permanent supportive housing settings. Currently, 67 permanent supportive and 74 transitional housing beds are under development throughout San Bernardino County. The City has cooperative partnerships with numerous organizations that help with homeless services. Table 21 provides a list or homeless service providers within the City. Table 21: Homeless Partnerships Organization Name Location Services Arrowhead United Way 646 North'D'Street Health and human care services. Catholic Charities-San 1800 Western Avenue, Health and human care services. Bernardino #107 Center of Christ Ministries/Inland Empire 468 West 5th Street Health and human care services. Mania a Coalition Housing program for individuals affected with Central City Lutheran Mission 1354 North'G'Street HIV;Cold weather shelter program during the winter months,for men only; Health and human care services. Community Action Partnership 696 S.Tippecanoe Ave. of San Bernardino County Health and human care services. CAP First 5 San Bernardino 330 North'D'Street, 5th Health and human care services to children Floor under 5 and their families. Inland Behavioral Health 1963 North'E'Street Health and human care services;Substance Services, Inc. abuse treatment Transitional housing for single men and Phase 1 Transitional Living 1106 N. Barton St. Suite B women;or women with children. Health and human care services. The Salvation Army 746 West 5th Street Emergency Shelter;Cold weather shelter program during the winter months Health and human care services;Cold The Salvation Army 730 W.Spruce Street weather shelter program during the winter months; Motel Vouchers are provided to women and women with children Homeless shelter for women recovering from Time For Change Foundation 2130 N.Arrowhead Ave. the effects of mental and physical abuse, substance abuse and incarceration; Health and human care services Source:San Bemardino Housing Element,2008 Continuum of Care Gap Based on the homeless profile developed by the County of San Bernardino in the point-in- time survey and the capacity of facilities/services offered, the unmet need can be determined. As shown in Table 22, the San Bernardino County 2009 Continuum of Care identifies an existing need in the County for nearly 790 emergency shelter beds, 258 additional transitional beds, and 381 permanent supportive housing units for both individuals and person in families with children. Chapter 3: Community Needs Page 33 City of San Bernardino 2010-2015 Consolidated Plan Current New Under Unmet Inventory Inventory Development NeedlGap Individuals Emergency Shelter Beds 140 0 0 790 Transitional Housing Beds 142 36 0 0 Permanent Supportive Housin g Beds 132 0 17 1 361 Total 414 1 36 1 17 1 1151 Persons in Families with Children Emergency Shelter Beds 285 "7124 0 Transitional Housing Beds 276 258 Permanent Supportive Housin Beds 25 0 Total 586 258 Source: San Bemardino County 2009 Continuum of Care applicatim 8. Public and Assisted Housing Needs The Housing Authority of the County of San Bernardino (HACSB) manages 1,661 units of public housing throughout the County of San Bernardino. These units were developed with funding from HUD, and HACSB continues to receive operating subsidies for these units. Throughout the years, other non-HUD units were either acquired and/or developed through various partnerships with the State of California, San Bernardino County of Community Development and Housing, various cities and Housing Partners, Inc., a non-profit housing .s corporation. Throughout the County, HACSB has 1,136 authority-owned units, and 154 of those units are located in the City of San Bernardino. There are 19,807 people on the public housing waiting list; 5,780 of those live in the City of San Bernardino. The demographic information of public housing residents in both the County and City of San Bernardino is presented in Table 23. More than a quarter of public housing households have a disabled member and 10 percent have an elderly member. With regard to race, public housing residents are most likely to be White or Black (49 percent and 40 percent, respectively). Almost half (46 percent) of public housing residents are of Hispanic origin. Demographic information of the public housing waiting list is not available. Chapter 3: Community Needs Page 34 City of San Bernardino 2010-2015 Consolidated Plan Characteristic City of San County Bernardino Special Needs Elderly 10.3% 7.0% Disabled 25.4% 13.0% Race White 48.7% 56.5% Black 39.5% 36.1% American Indian 0.2% 0.6% Asian 6.2% 4.9% Native Hawaiian 2.5% 1.9% Other/Declined to Answer 2.9% Ethnicit His anic 46.1°k 44.7% Non-Hispanic 53.1% 54.8% Declined to Answer 0.8°k 0.5% Notes: 1. Data for family type calculates percentage of families With any family member exhibiting characteristic 2. Data for ethnicity accounts for all persons in households receiving housing choice vouchers Source:Housing Authority of the County of San Bernardino,2010 Tenant-Based Rental Housing Assistance Section 8 is a rent subsidy program that helps low income families (those earning up to 50 percent MFI) and seniors pay rents in private units. Section 8 tenants pay a minimum of 30 percent of their income for rent and the Housing Authority through funds provided by HUD pays the difference, up to the payment standard established by the Housing Authority. The program offers low income households the opportunity to obtain affordable, privately-owned rental housing and to increase their housing choices. The Housing Authority establishes payment standards based on HUD-established fair market rents. The owner's asking price must be supported by comparable rents in the area. Any amount in excess of the payment standard is paid by the program participant. As of 2009, 7,771 households received a Housing Choice Voucher (HCV), commonly referred to as Section 8, in the County of San Bernardino. Residents in the City of San Bernardino receive the largest proportion of those vouchers (2,249 vouchers). Countywide, approximately 68 percent of HCV recipients have children, are seniors, or are individuals with disabilities; approximately 47 percent are households with children, nine percent of households are headed by seniors, and 20 percent of all residents receiving a Housing Choice Voucher are disabled. The waiting list for the HCV Program has over 27,000 applicants, 7,453 of which are residents of the City of San Bernardino. Table 24 presents the demographic characteristics of HCV participants and those on the HCV waiting list. Chapter 3: Community Needs Page 35 City of San Bernardino 2010-2015 Consolidated Plan Table 24: Demographics of Housing Choice Voucher Participants and Waiting List Partici ants Waiting List City of San County City of San County Bernardino I Bernardino Totals _ 2,249 7,771 7,453 27,412 Family Type Elderly 17.6% 9.0% 5.0% 5.9% Disabled 44.3% 20.0% 6.4% 1.6% Race White 36.8°k 1 42.1% 22.1% 24.7% Black 55.2°k 55.4% 56.7% 54.9% American Indian 0.5°k 0.6% 1.3% 1.6% Asian 1.5% 1.6% 1.2% 1.1% Native Hawaiian 0.0% 0.1% 0.7% 0.7% Other/Declined to Answer 6.0% 18.0% 16.9% Ethnicity Hispanic 28.0% 25.2% 27.4% 25.6% Non-Hispanic 72.0% 74.8% 62.7% 63.9% Declined to Answer - - 9.6% 10.4% Notes: 1. Waiting list was dosed to new applicants in 2007 2. Data for family type calculates percentage of families with any family member exhibiting characteristic 3. Data for ethnicity accounts for all persons in households receiving housing choice vouchers Source:Housing Authmity of the County of San Bernardino,2010 /nri More than 44 percent of HCV participants are disabled, and almost 18 percent are elderly. �•/] More than half of HCV participants are Black(55 percent) and 28 percent are Hispanic. With regard to the waiting list, a small percentage of households contain an elderly or disabled member (5 percent and 6 percent, respectively). Racial/Ethnic characteristics of those on the HCV waiting list are predominantly similar to those persons currently receiving HCV assistance. Inventory of Federally Assisted Housing Units Eleven federally assisted multi-family housing projects provide 1,009 affordable housing units in the City of San Bernardino. Table 25 provides data on the City's federally assisted multi-family housing stock. Potential Conversion to Market-Rate Housing Among the 11 federally assisted multi-family housing projects, two projects are currently at risk of transitioning to market rates (Table 25). The Village Green Apartments is a 184-unit project that reserves 65 units for Section 8 vouchers. This development renews its Section 8 contract annually: as such it could transition out of its current agreement at any time. However, the development has renewed its contract consistently in the past. Sterling Village, an 80-unit apartment building including 74 low income family units, has an affordability covenant that is slated to expire in 2013. St. Bemardine Plaza, San Bernardino Senior Housing, AHEPA 302 Apartments, and the three TELACU projects are considered low risk projects. These are nonprofit-owned senior housing developments financed with Chapter 3: Community Needs Page 36 City of San Bernardino 2010-2015 Consolidated Plan Section 202 funds. Renewal of Section 8 contracts for these developments is given a priority by HUD. Federally Table 25: Assisted Potential Project Total Units Units Program Earliest Expiration AHEPA 302 Apartments 90 90 Section 202 2064 Gilbert and Parkside Lutheran Senior 50 49 Bond I HOME 2040 2355 N.Osborn Road Little Zion Manor 125 125 Section 8 2021 2000 Jubilee Ct. Pioneer Street Plaza 161 160 Section 81 RDA UM 2055 540 North F Street San Bernardino Senior Housing 74 74 Section 2021 HOME 2056 1530 W. Baseline Street St, Bemardine Plaza 150 148 Section 202/HOME 2034 584 West 5th Street Sterling Village 74 74 Section 8 412812013 7630 Sterling Avenue TELACU I Sierra Vista 75 75 Section 202 2057 650 W 6th Street TELACU II Monte Vista 75 75 Section 202 2057 451 H Street �✓ TELACU III Buena Vista 75 74 Section 202 2059 365 E Commercial Village Green Apartments 164 65 Section 8 5/31/2010 2122 Chestnut Street Total 1,133 1,009 The City of San Bernardino Economic Development Agency (EDA) has preserved assisted multi-family rental housing in the past by working with public and private housing agencies that have expressed an interest in the right of first refusal. The EDA plans to use redevelopment low income housing set-aside funds to support the preservation of units at- risk of converting to market rate and facilitating the transfer to nonprofit organizations capable of managing and maintaining the units. The City maintains a database of qualified entities interested in acquiring and managing affordable housing. Chapter 3: Community Needs Page 37 City of San Bernardino 2010-2015 Consolidated Plan B. Market Conditions This section addresses characteristics of the housing supply in the City of San Bernardino, including type, age, condition, costs, and availability. The implications of these housing characteristics with respect to housing programs are also examined. 1. Housing Growth In 2009, the California Department of Finance estimated that there were 66,640 housing units in San Bernardino, an increase of five percent since 2000 (Table 26). San Bernardino's housing growth over the past nine years was comparable to the growth experienced by nearby cities, including Redlands and Rialto. Other surrounding cities, such as Fontana, however, experienced tremendous growth in housing units (40 percent) between 2000 and 2009. The countywide increase in housing units was 15 percent during the same period. Table r Growth-2000 ,and 2009 Jurisdiction Housing Uriits Percent Change 2000 2009 2000-2009 San Bernardino 63,531 66,640 5% Fontana 35,907 50,365 40% Redlands 24,790 26,807 8% Rialto 26,048 27,075 4% San Bernardino County 601,369 690,234 15% Source:State of California,Department of Finance,E-5 Population and Housing Estimates for Cities,Counties and the State,2001-2009,with 2000 Benchmark,Sacramento,California,May 2009. 2. Housing Type The City of San Bernardino's housing stock is comprised primarily of single-family homes. According to California Department of Finance estimates, single-family homes accounted for 63 percent of the housing stock in the City, whereas multi-family housing accounted for 30 percent in 2009(Table 27). Seven percent of housing units in the City are mobile homes. Surrounding jurisdictions share similar housing type characteristics, with all surrounding jurisdictions having considerably greater proportions of single-family homes. A total of 75 percent of housing units in San Bernardino County are single-family homes, compared to only 19 percent multi-family. Chapter 3: Community Needs Page 38 City of San Bernardino 2010-2015 Consolidated Plan Table . .• tt Housin pe Jurisdiction Single Multiple Mobile Total Units Family Family Home San Bernardino 42,024 20,129 4,487 66,640 63% 30% 7% 10,268 5,185 815 16,268 Colton 63% 32% 5% Fontana 41,345 7,716 1,304 50,365 82% 15% 3% Highland 13,107 2,727 861 16,695 79% 16/0 5/0 Loma Linda 4,909 3,737 562 9,208 51% 41% 6% Redlands 18,236 7,652 919 26,807 68% 29% 4% Rialto 19,633 5,639 1,803 27,075 73% 21% 7% San Bernardino County 515,492 129,7 02 45,030 690,234 75/a 19% 7% Source:State of California,Department of Finance,E-5 Population and Housing Estimates for Use,Counties and the State,2001-2009,with 2000 Benchmark.Sacramento,California,May 2009. 3. Housing Tenure and Vacancy Housing tenure describes the arrangement by which a household occupies a housing unit, i.e., whether a housing unit is owner-occupied or renter-occupied. The way housing tenure is distributed in a community can influence different aspects of the local housing market. For example, residential stability is influenced by tenure, as ownership housing typically exhibits lower turnover rate than rental housing. Higher cost burden, which is defined by HUD as the ratio between payment for housing (including utilities) and reported household income, is far more prevalent among renters. A household's tenure is strongly related to household income, composition, and age of the householder. San Bernardino is closely split between owner and renter occupied housing units, with 49 percent owner occupied and 43 percent renter occupied. The remaining eight percent of housing units were vacant in 2008(Table 28). . • . rt: Jurisdiction Owner-Occupied Renter-Occupied Vacant Units Housing Units Housing Units San Bernardino 30,977 49% 27,627 43% 5,323 8°/u San Bernardino County 365,279 53% 215,082 310% 107,009 16% Source:U.S.Census Bureau,2008 American Communi ty SuNe Chapter 3: Community Needs Page 39 City of San Bernardino 2010-2015 Consolidated Plan 4. Housing Costs and Affordability Ownership Housing Cost Table 29 shows the median home prices for San Bernardino and surrounding jurisdictions in both October 2008 and 2009. The median home price in San Bernardino decreased by 29 percent between October 2008 and 2009, from $120,000 to $85,000. San Bernardino County as a whole, along with a majority of the cities within the county, had a similar decline in home prices, representative of the national housing and economic crisis. The median home price for the City of San Bernardino has remained approximately half that of the County during the decline. Table 29: Median tt Units Sold Median Home Prices %Change Jurisdiction October 2009 October 2008 October 2009 Oct 2008- Oct 2009 San Bernardino 367 $120,000 $85,500 -29% Adelanto 87 $122,250 $90,500 -26% Barstow 42 $95,000 $60,750 -36% Big Bear Lake 51 $335,000 $250,000 -25% Colton 57 $159,000 $110,000 -31% Fontana 363 $247,250 $210,500 -15% Grand Terrace 13 $241,250 $175,000 -28% Highland 67 $222,000 $160,000 -28% Loma Linda 15 $335,500 $188,000 -44% Redlands 60 $253,500 $260,000 3% Rialto 158 $190,000 $146,000 -23% Yucaipa 60 $258,500 $196,750 -24% San Bernardino County 3,176 $200,000 $150,000 -25% Source:Data Quick Information Systms,2009 Rental Housing Cost Given the large rental market in the City (43 percent of all housing units are rented), it is important to evaluate the affordability of the housing stock available for rent. The following are 2010 rental rates based on an internet search of available listings: • Studio: $525-$700 One-bedroom apartment: $625 -$790 Two-bedroom apartment: $795 -$900 Three-bedroom apartment: $900 - $1,250 Three-bedroom home: $1,100- $2,200 r Chapter 3: Community Needs Page 40 City of San Bernardino 2010-2015 Consolidated Plan Housing Affordability Housing affordability for a household is dependent upon income and housing costs. Using income limits established by HUD, current housing affordability can be estimated for the various income groups (Table 30). Table t Housing Affordability-San Bernardino County-2009 Income Levels Maximum Affordable Income Group Utilities Taxes& Housing Costs Annual Affordable Insurance Home Rental Income Payment Extreme) Low(0-30%MFI) One Person $14,000 $350 $50 $80 $38,674 $300 Small Family $18,000 $450 $50 $90 $54,495 $400 Large Family $21,600 $540 $50 $100 $68,558 $490 Low(30-50%MFI) One Person $23,300 $583 $50 $115 $73,392 $533 Small Family $29,950 $749 1 $100 $130 $91,191 $649 Large Family $35,950 $899 $150 $145 $106,133 $749 Moderate(50-80%MFI) One Person $37,300 $933 $50 $165 $126,129 $883 Small Family $47,950 1 $1,199 J $100 $190 $159,749 $1,099 Large Family $57,550 $1,439 $150 $220 $187,875 $1,289 Notes: 1. Small Family=3 persons;Large Families=5 or more persons 2. Monthly affordable rent based on payments of no more than 30%of household income 3. Property Was and insurance based on averages for the region 4. Calculation of affordable home sales prices based on a down payment of 10%,annual interest rate of 6.5%,30-year mortgage,and monthly payment of gross household income 5. Median Family Income in 2009 for San Bernardino County=$65,400 Given the median home prices presented in Table 29, homeownership and market rents may be within the reach of some low and moderate income households due largely to declines in home prices during the 2007-10 recession. However, extremely low income households cannot afford market rents in the City of San Bernardino. 5. Housing Condition To ensure a suitable living environment, housing in a community should meet health and safety standards and not present a hazard to residents. Chapter 3: Community Needs Page 41 City of San Bernardino 2010-2015 Consolidated Plan Age of Housing Stock State and federal housing programs typically consider the age of a community's housing stock when estimating rehabilitation needs. In general, most homes begin to need repairs and rehabilitation when they reach 30 to 40 years old. Table 31 shows that approximately 49 percent of the San Bernardino housing stock is over 30 years old, indicating the possibility of needed repair and rehabilitation on half of the housing stock. Table ' r • of r Stock-2008 Number of Units Percent of Total Year Built San San Bernardino San San Bernardino Bernardino County Bernardino County 1939 or Earlier 5,710 30,447 9% 4% 1940-1949 5,820 26,780 9% 4% 1950-1959 13,191 81,118 21% 12% 1960-1969 8,114 75,252 13% 11% 1970-1979 10,082 120,497 16% 18% 1980-1989 12,354 163,554 19% 24% 1990-1999 4,894 91,457 8% 13% 2000-2004 2,206 64,461 3% 9% 2005 or Later 1,556 33,804 2% 5% Total 63,927 687,370 100% 100% Source:U.S.Census Bureau,2008 American Community SurveyA Housing Deficiencies r The U.S. Census Bureau's 2008 American Community Survey contains information V regarding the number of housing units that lack complete plumbing or complete kitchen facilities. These conditions are both indicators of deficient housing units. Approximately 537 units in San Bernardino lacked complete plumbing and 488 units were without kitchen facilities (Table 32). The percentage of units in the City that lacked complete plumbing was slightly higher than in the County as a whole. The percentage of units lacking complete kitchen facilities was the same for both the City and the County. Table Housing Stock D• 11' Units Lacking Complete Units Lacking Complete Jurisdiction Plumbing Kitchen Facilities Number of %of Total Number of %of Total Units Occupied Units Units Occupied Units San Bernardino 537 0.90% 488 0.80% San Bernardino County 3,256 0.60% 4,921 0.80% Source:U.S.Census Bureau,2008 Amercan Community Surve Lead-Based Paint Hazards Lead poisoning can affect nearly every system in the body and its effects are especially harmful to young children. According to the Centers for Disease Control (CDC), approximately 250,000 children aged one to five years in the United States have elevated levels of lead in their blood. Several factors contribute to higher incidents of lead poisoning: Chapter 3: Community Needs Page 42 City of San Bernardino 2010-2015 Consolidated Plan • All children under the age of six years old are at higher risk. • Children living at or below the poverty line are at a higher risk. • Children in older housing are at higher risk. • Children of some racial and ethnic groups and those living in older housing are at disproportionately higher risk. The CDC has determined that a child with a blood lead level of 15 to 19 micrograms per deciliter(pg/dl) is at high risk for lead poisoning and a child with a blood lead level above 19 Ng/dl requires full medical evaluation and public health follow-up. Lead Hazards Between 2006 and 2009 (three years), the County of San Bernardino Department of Public Health's Childhood Lead Poisoning Prevention Program reported 396 children with elevated blood lead levels (BLL) of 10 micrograms per deciliter(mcg/dQ or greater. The cities of San Bernardino, Fontana, Ontario, and Colton had the highest number of cases, respectively. Cases in the City of San Bernardino accounted for 32 percent of total cases in the County during that three-year period. Estimating Number of Housing Units with Lead-Based Paint The age of the housing stock is an important factor in estimating the number of housing units with lead-based paint. In 1978, the use of lead-based paint on residential property was prohibited. National studies estimate that approximately 70 percent of all residential structures built prior to 1978 contain lead-based paint (LBP), and older structures have the highest percentage of LBP. CHAS data provides the number of housing units constructed before 1970 that were occupied by lower income households. This data can be used to approximate the extent of LBP hazards among lower income households. While information on units constructed before 1978 is not available from CHAS, estimates based on the pre-1970 stock provide a conservative depiction of the extent of LBP hazards. Citywide, approximately 1,023 units occupied by extremely low income households, 3,120 units occupied by low income households, and 4,276 units occupied by moderate income households may contain LBP (Table 33). 1111fleirs • To I in • •I,• • r r Number of Units Occupied by Percent Estimated Number of Units with Year Units Low/Moderate Income Households Units LBP and Occupied by LowlModerate Income Households Built Extrem Low Moderate LBP? ExLowwely Low Moderate Before 1970 1,461 1 4,458 1 6,109 70% 1,023 3,120 1 4,276 1.Owner occupied units for extremely low income group not available.Figure includes only rental units 2.Conservative estimate of potential lead hazard Source:HUD CHAS Data,2004. Chapter 3: Community Needs Page 43 City of San Bernardino 2010-2015 Consolidated Plan Resources for Reducing Lead Hazards The County of San Bernardino administers the HUD Lead Hazard Control Grant, offering free home renovation services for low income families who live in residences built before 1978, have children younger than the age of six, and meet income guidelines. The services include testing of paint, soil, and dust for lead, a visual assessment of the property, assisting with remodeling and/or renovation to remove, minimize, or contain areas contaminated with lead, and inspections. C. Barriers to Affordable Housing Both governmental and non-governmental factors can act as barriers to the provision of adequate and affordable housing in a community. Barriers to the production of housing can significantly impact households seeking decent housing, especially those households with low incomes and special needs. 1. Governmental Constraints Certain policies and actions of the City can act as a barrier to affordable housing by directly impacting the production cost and availability of housing within the City. Land use regulatory controls, site improvement requirements, building codes, fees, and other local policies to improve the overall quality of housing may serve to constrain affordable housing development. Land Use Controls The Land Use Element of the San Bernardino General Plan sets forth policies that guide the amount and type of local development and growth. Taken together with zoning regulations, these policies establish the various types, intensity, and standards for land uses in the City of San Bernardino. The land use designations established in the General Plan are implemented through the City's Development Code. Residential development standards in the Development Code that often determine the number of units that can be constructed on a particular site are: • Minimum lot area and dimensions • Maximum density per acre • Maximum lot coverage • Height limit • Density Bonuses • Open space • Parking The City's Housing Element determined that these standards are similar to those of surrounding cities and do not pose a significant constraint to affordable housing development. Chapter 3: Community Needs Page 44 City of San Bernardino 2010-2015 Consolidated Plan Local Entitlement Processing and Fees Various impact fees and assessments are charged by the City to cover the costs of processing permits and providing services and facilities, such as utilities and infrastructure for new developments. San Bernardino's fees reflect a fair share of the costs of providing permitting, infrastructure, and services for new residences; almost all of these fees are assessed through a pro-rata share system, based on the magnitude of the project's impact or on the extent of the benefit that will be derived from the services or facilities for which the fees are charged. In addition to on-site improvements that may be required as part of a project's development, off-site improvements may also be imposed to ensure a development pays its share of the local cost of expansions in services, facilities, and infrastructure. Such improvements may include water, sewer, and other utility line extensions; street construction; and related projects. Dedications of land or in-lieu fees may also be required of a project for right-of-way, transit facilities, recreational facilities, and school sites consistent with the City's Subdivision Ordinance. Table 32 provides a list of the City's planning and development fees as of 2009. Fees have been set at a level necessary to cover the costs to the City to provide this needed infrastructure to the community. San Bernardino's fees are not high relative to other cities in the County. However, fees do contribute to the cost of housing, and may constrain the development of lower priced units. Building Codes and Enforcement The cost of construction is impacted by compliance with building code standards. While code compliance can add to the cost of development, building codes and code enforcement is necessary to protect the public's health, safety, and welfare. Although rigorous building codes require a higher level of construction quality, which can increase the cost of development, the long-term benefits outweigh the cost saving from unsound engineering or poor construction. Initial compliance will also ensure that no additional costs will occur since no code violations will result. The City of San Bernardino's building standards include the California Building, Electrical, Plumbing, Mechanical, and Energy Codes, and Disabled Access Regulation contained in Title 24 of the California Code of Regulations. Chapter 3: Community Needs Page 45 City of San Bernardino 2010-2015 Consolidated Plan Table •d 11' Fee Type Fee Amount Planning Division Conditional Use Permit Condo, PRO, HMOD,Guest House $2,167.26 Development Permit: Type 1 (Director Review) $1,102.65 Type 2(Dev, Review Committee) $7,039.80 Type 3(Planning Commission $7,334.82 Tentative Parcel Ma $4,262 plus$65 per parcel Tentative Tract Ma for Single-Family Residential,Condos,or P.R.D. $7,561.00 plus$65 per lot or unit Engineering Division Assessment District $6,018.25 Community Facility District: Verdemont Area Only $7,151.25 Residential in Lieu Fee $394.40 Residential If in CFD 2009/2010 $48,975.34 per acre Source:City of San Bemardino,2009 2. Non-Governmental Constraints The ability to fulfill housing needs is greatly constrained by factors prevalent in the housing market. Non-governmental factors inhibiting the availability of housing include housing costs, land prices and construction costs, financing costs, existing neighborhood conditions, and consumer expectations. Land and Construction Costs The high cost of development in Southern California can be a constraint to new affordable housing construction. As housing prices and associated land costs skyrocketed over the last decade, affordable housing developers were forced to find additional subsidies to finance development. However, the recent downturn in the housing market has caused both land and construction costs to decrease substantially. The cost of residential land has a direct impact on the cost of a new home and is, therefore, a potential market constraint. The higher the land costs, the higher the price of a new home. San Bernardino contains both vacant land and infill development opportunities suitable for residential development. Land prices in the City vary greatly depending on the location of and type of development permitted. Research of internet real estate database www.loopnet.com showed that a single-family parcel in the northern foothills of the City was for sale for$321,622 per acre, while a multi-family parcel in the southern half of the City was for sale for$51,256 per acre. The costs of construction (i.e., labor and materials) also have a direct impact on the price of housing. Residential construction costs vary greatly depending upon the quality and size of :he home being constructed and the materials being used. A significant constraint to housing families is the specific design features (lack of recreational facilities or unit size and design) in individual projects that are not suited for families with children. In addition, design features such as stairs, hallways, doorways, counters, and plumbing facilities restrict access by persons with disabilities. Chapter 3: Community Needs Page 46 City of San Bernardino 2010-2015 Consolidated Plan Availability of Financing Financing is a significant factor in overall housing cost. While the costs of land and construction have decreased, the availability of financing is constrained as lenders are tightening standards for lending. Interest rates impact housing costs in two ways. The costs of borrowing money for the actual development of the dwelling units are incorporated directly into the sales price or rent. Additionally, the interest rate of the homebuyer's mortgage is reflected in subsequent monthly payments. Many consumers can be priced out of the housing market due to variations in interest rates and tight lender standards. Vacancy Rate Vacancy rates may be viewed as both an opportunity and constraint. High vacancy rates can assist in keeping rents and housing prices low. On the other hand, a high vacancy rate severely discourages construction of new housing units and can act as a deterrent or disincentive to property owners to make improvements and even repairs. The closure of major businesses in recent and not-so-recent years, and particularly the closure of Norton Air Force Base in 1994, has had a far-reaching negative impact on the economy of the City and directly contributed to the high vacancy within the community. Unlike other military base closures in California and the nation, the Norton closure was particularly significant within San Bernardino. Unlike other military bases, Norton had very limited on-base housing and relied heavily on privately owned housing market supply within the City and surrounding cities. In turn, local landlords relied heavily on Norton to provide a steady supply of tenants. That fact is demonstrated by the historical vacancy rates within the City: prior to 1994, the vacancy rates traditionally ran at five percent or less. The 1990 Census showed a vacancy rate of 5.2 percent. In 1995, following the base closure, that rate jumped dramatically to over 17 percent; and since 1995, the rate has been steady at 11 percent. (While a quarter of those vacant units were boarded up/abandoned units, the overall vacancy rate of for-sale and for-rent units was still high at over eight percent.) Most statisticians and economists agree that a vacancy rate exceeding four to five percent is unhealthy with respect to a local economy, and results in depressing the housing market, particularly with respect to new construction. According to the California Department of Finance, the City's vacancy rate was estimated to be 11 percent in 2009. Foreclosures HUD calculates foreclosure and vacancy rates in San Bernardino by Council Ward and Census Tract, revealing that over 44 percent of loans on homes in San Bernardino are subprime and the foreclosure rate in 2009 is nearly 12 percent. San Bernardino has the second highest municipal foreclosure rate in the State. According to the real estate and foreclosure website RealtyTrac, between January 2008 and April 2009, 3,799 San Bernardino homes were foreclosed. In the second quarter of 2008, lenders filed approximately 11,800 notices of default in San Bernardino, indicating an increase of foreclosure activity. In turn, lenders have implemented stricter lending standards in an effort to avoid foreclosures resulting in less financing options for low and moderate income households. Local housing market conditions have discouraged some of the new homebuilding that the City could have otherwise expected. This has resulted in reduced opportunities for low and moderate income families to become first-time homebuyers, and has discouraged many Chapter 3: Community Needs Page 47 City of San Bernardino 2010-2015 Consolidated Plan middle and upper income households from considering San Bernardino as a potential place to live. The City is an active partner in preventing foreclosures and maintaining foreclosed properties. The City competitively applied for and received neighborhood stabilization funds made available under Title III of the Housing and Economic Recovery Act of 2008 and administered by HUD under the Neighborhood Stabilization Program (NSP1). The City is using these funds to purchase foreclosure properties, rehabilitate multi-family and single- family units, stabilize neighborhoods, and curtail the decline of home values. The City is also a recipient of NSP2 funds, authorized under the American Recovery and Reinvestment Act of 2009 (ARRA). The ARRA directs HUD to narrow the field of qualified geographies based on need. As such, the City identified Target Zones that are eligible for neighborhood stabilization through NSP2 funds. These Target Zones experience extremely high rates of foreclosures, code enforcement incidents, and crime. The City is preparing a focused neighborhood acquisition and rehabilitation strategy through partnerships with nonprofit housing corporations. Constraint Removal Efforts The City of San Bernardino has instituted actions aimed at reducing the impact of the public sector role in housing costs. The City works to continually remove barriers to affordable housing by implementing a Housing Element that outlines actions to reduce housing costs and facilitate new affordable housing development. Major efforts have involved the reduction in entitlement processing time. In the early 1990s, the City undertook a major revision to its zoning code and land use regulations with the stated intent to simplify and streamline the land development process. The outcome was a new Development Code with a rewrite of the Development Review process. The new procedure was used as a tool to expedite the review and approval process. Other City efforts to reduce the barriers to affordable housing include the following: • Density bonuses: A density bonus provision in the Development Code allows increased density for multi-family low income units. • Economic Development Agency: Through the Economic Development Agency, the City provides cost savings through financing options. Programs include, but are not limited to homebuyer assistance program and owner rehabilitation grants. • Downtown Core Vision: The City encourages and facilitates the development of new housing, including affordable housing, in Downtown San Bernardino and along transit lines through the Downtown Core Vision. 3. Fair Housing Fair housing is a condition in which individuals of similar income levels in the same housing market have a like range of choice available to them regardless of race, color, ancestry, national origin, religion, sex, disability, age, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor. Fair housing prohibits discrimination in housing choice because of protected class status. Chapter 3: Community Needs Page 48 City of San Bernardino 2010-2015 Consolidated Plan The Fair Housing Act requires that HUD programs be administered in manners that will "affirmatively further fair housing." Jurisdictions must show a commitment to affirmatively further fair housing choice by: • Conducting an Analysis of Impediments to Fair Housing Choice • Taking appropriate actions to overcome the effects of impediments identified through that analysis • Maintaining records that reflect the analysis and actions Fair Housing Impediments Fair housing impediments are any actions, omissions or decisions which restrict housing choices or the availability of housing choices on the basis of race, color, ancestry, national origin, religion, sex, disability, age, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor. The City's current Analysis of Impediments (AI) to Fair Housing Choice (2010-2015) concludes that some impediments identified in the 2006 Al persisted in 2010. Specifically, impediments related to program information availability and landlord discrimination continued to be issues in 2010. In response, the 2010 Al recommends the following actions be taken to address these impediments: • Provide advertisements and workshops related to the Homebuyer Assistance Program in both Spanish and English to inform residents about this program and target lower income households through advertising. • Provide information about the Mobile Home Grant Repair Program and the Elderly/Special Needs Minor Repair Grant Program in the City's brochures, advertisements and website in both English and Spanish. • Continue outreach efforts through fair housing service provider to educate landlords and tenants regarding fair housing rights and responsibilities. Random audits should be conducted periodically to identify problem properties and implement reconciliation efforts. The 2010 Al also identified a number of new impediments, or substantially revised recommendations. The 2010 Al included the following actions to address fair housing impediments: Fair Housing Services • Provide links to fair housing and other housing resources on City website and at public counters. • Continue efforts on public education related to tolerance to deter hate crimes and continue to participate in and sponsor events that celebrate diversity. Housing Development and Demographics • Continue to encourage the development of affordable housing and provide housing assistance for rehabilitation, with targeted outreach to minority households. • Require that staff members in each department, specifically those who interact with the public, attend cultural diversity training periodically but at a minimum at time of employment. Chapter 3: Community Needs Page 49 City of San Bernardino 2010-2015 Consolidated Plan • Provide outreach to inform lower income and minority households of special local, ! State and federal homebuyer assistance programs. ""' • Continue efforts to expand the variety of available housing types and sizes to meet senior and large household needs and allow residential mobility among residents. • Consider modifying housing rehabilitation programs to make financial assistance for accessibility improvements available for renters, as well as homeowners. • Adopt a formal Reasonable Accommodations ordinance by June 2010, in accordance with the Housing Element. • Consider incentivizing or requiring universal design features in new construction or substantially rehabilitation of housing, especially projects that receive financial assistance from the City. • Ensure developers and housing providers utilizing local, State, and federal funds adhere to the Affirmative Fair Marketing Plan as required. • Promote economic development and expand the housing stock to accommodate a range of housing options and income levels. • Strive to achieve a diversity of members serving on commissions that influence and guide city policies, reflecting the race, ethnicity, and other socio-economic characteristics of the City of San Bernardino. Lending Practices • Review the lending patterns of all financial institutions that provide financial services to the City and participate in City loan programs. • In selecting financial institutions to participate in housing programs, consider the lender's performance history with regard to home loans in low and moderate income areas and minority concentration areas, as well as the lender's activity in other Community Reinvestment Act (CRA) activities such as participation in affordable rental housing projects under programs such as bond financing, tax credit, or the Federal Home Loan Bank Affordable Housing Program. • Expand outreach efforts to minority households, especially Black households, to raise awareness of and education about homeownership opportunities. Housing Market Conditions • Increase efforts to promote the housing rehabilitation programs. Public Policies • Pursue State certification of the Housing Element. • Revise definition of "family" in zoning code, remove pyramid zoning, remove development permit approval for second units, allow emergency shelters in an overlay zone, and be consistent with State law regarding senior, transitional, supportive housing, and density bonus. Inland Fair Housing and Mediation Board The Inland Fair Housing and Mediation Board (IFHMB) is a fair housing agency that serves the County of San Bernardino, including the cities of Apple Valley, Chino, Chino Hills, El Centro, Fontana, Glendora, Hemet, Hesperia, Ontario, Rancho Cucamonga, Rialto, San Bernardino, Upland, and Victorville. The agency was established in 1980 and has worked to address discrimination in housing. IFHMB continues to educate the community at large as to their rights and responsibilities under fair housing laws. IFHMB intakes and investigates discrimination complaints and works in partnership with HUD and the California State Chapter 3: Community Needs Page 50 City of San Bernardino 2010-2015 Consolidated Plan Department of Fair Employment and Housing (DFEH) in addressing discrimination in housing. The following are some of the services IFHMB provides: Fair Housing - Provides services mandated by Federal and State Fair Housing laws. These laws prohibit the discrimination of individuals in the sale or rental of housing. Services include providing information and education, mediation, investigation, or referral of housing discrimination complaints. Education/Outreach - Provides workshops to community meetings, housing owners/ managers, realtors, newspapers, service organizations, high schools, colleges, English as a Second Language (ESL) participants, and other organizations or persons interested in learning about State and federal housing laws and how to recognize and avoid housing discrimination and the corresponding rights and responsibilities. Landlord/Tenant Mediation - Provides information on landlord and tenant rights and responsibilities under the California Civil Code. In addition, the staff will offer to mediate conflicts between tenants and landlords. Housing mediation is a useful tool to promote resolutions to problems and avoid needless litigation in the rental housing industry. HUD Certified Comprehensive Counseling - Provides counseling to homeowners who are delinquent on FHA loans regarding options available. Conducts pre-purchase and first time homebuyer education workshops to inform potential homebuyers of the home-buying process and their rights and responsibilities as homeowners. Counsels senior citizens who are interested in reverse equity mortgage programs. Senior Services - Actively and successfully mediates conflicts between seniors and Social Security, Medi-Cal, utility companies, collection agencies, neighbors, and other areas in dispute. Provides care referral services. Offers help in filing for HEAP and Homeowner/Renter Assistance. Alternative Dispute Resolution (ADR) -California Dispute Resolution Act of 1986 provides the authority for mediation in the legal court system. IFHMB has a contract with the County of San Bernardino to provide mediation with small claims and unlawful detainer lawsuits in all of the courts in San Bernardino County. Mobile Home Mediation - Specialized problem solving (based on Mobile Home Residency Law) that reflects the dual ownership and a unique life style of the mobile home community. Conducts workshops for education and to assist residents to file for refunds on utility and property tax burdens. A representative of the Inland Fair Housing and Mediation Board attended the January 21, 2010 community meeting. The group discussed fair housing concerns, and the IFHMB representative noted that in San Bernardino, the most common complaint they hear is related to fair housing violations against people with disabilities. In the past, the most common complaint had been with regard to race. It was also noted that the need for reasonable accommodation and education among property owners and landlords was important and necessary. Chapter 3: Community Needs Page 51 City of San Bernardino 2010-2015 Consolidated Plan D. Community Development Needs CDBG funds can be used for a variety of supportive services and community development activities. These include community services, supportive services for persons with special needs, community facilities, public and infrastructure improvements, and economic development. Similarly, Emergency Shelter Grants (ESG) can be used to address the needs of the homeless. The previous sections focus primarily on the City's housing-related needs. This section of the needs assessment describes the City's community development needs, including: • Community and Special Needs Services • Neighborhood Services • Community Facilities and Infrastructure Improvements • Economic Development The Community Development Needs discussions are based on consultation with staff from the City, results of the community needs survey, information from various existing documents, and comments from the Economic Development Agency's Community Development Citizens Advisory Committee (CDCAC) and social service providers, public agencies, and residents that attended the community meeting on January 21, 2010. The comments received at the outreach meeting and results of the community survey are discussed below. 1 . Public Outreach Community Development Needs Results As part of the community outreach effort for the 2010-2015 Consolidated Plan, a community meeting was held and a survey was circulated to residents to ascertain priority community development and housing needs. Community Meeting On January 21, 2010, the City held a community meeting to discuss priority housing and community development needs in the City. Staff conducted extensive outreach to reach a broad cross-section of the community and to encourage attendance. More than 15 residents and representatives of service provider agencies attended, in addition to the five Community Development Citizens Advisory Committee (CDCAC) members in attendance. CDCAC is in charge of making recommendations to the City Council regarding the use of CDBG public service funds(up to 15 percent of the City's annual CDBG allocation). Service providers that attended the Consolidated Plan community outreach meeting included: Time for Change, Central City Lutheran Mission, Inland Fair Housing & Mediation Board, Project Life Impact, Universal Nursing Systems, A Servant's Heart Outreach, St. John's Success Center, Apartment Association Greater Inland Empire, and OMNIP. Housing was one of the primary issues discussed by participants at the San Bernardino Consolidated Plan community meeting. The housing-related comments have been summarized previously under Public Outreach Housing Needs Results on page 28. Below is a summary of the overall themes related to community development addressed during the community meeting. ., Chapter 3: Community Needs Page 52 City of San Bernardino 2010-2015 Consolidated Plan Homelessness Participants discussed the economic downturn, increasing foreclosures, rising unemployment, and resulting increase in homelessness. Participants noted that school districts were reporting an increase in homeless children. In addition to shelter with related counseling and services, emergency food is needed to assist this special needs group. Transitional housing was also discussed as a meaningful component of the effort to reduce homelessness; transitional housing provides the needed services and support to transition from homeless to self-sufficiency and permanent housing. Participants also noted the need for shelters for victims of domestic violence, as well as emergency housing with extended care services for persons with HIV/AIDS. These programs should have a direct connection to the hospitals, so that referrals can be provided and there is no gap in the delivery system. Parks and Recreation/Community Facilities Participants noted the need for expanded and augmented parks and community centers to provide needed services. Community centers should provide a mixed-age environment, with programs for all kinds of residents. Programs should also be high-tech to encourage use and facilitate youth understanding of new technologies. Service providers noted the need for affordable facilities for nonprofit organizations so that they can run efficiently and remain in San Bernardino. Public Services Participants noted that the primary public service need was for programs and activities for youth and children. The City of San Bernardino is a family-oriented community, with more than 38 percent of the population being children. The need for youth services is extensive, particularly for the large and minority families that tend to earn lower income or have less disposable income. These programs should involve lively activities that keep children engaged. The City has a relatively high rate of crime, youth programs can prevent youth from becoming involved in crime by getting them off the streets and into places where they can both have fun and learn the skills they need to help them in life. Counseling and health care for families in crisis was also noted as a need. Senior services, including nutrition programs were also noted as a need. Finally, employment and job training was discussed as a need, especially in light of continuingly rising unemployment rates. Service providers discussed the benefits of agency collaboration to offer consolidated services through partnerships and engagement with parents, schools, and other agencies. Community Survey The Housing and Community Needs Survey assesses community opinions and concerns in following community development needs categories (housing needs have previously been summarized): • Community Facilities • Community Services • Infrastructure Improvements • Economic Development Chapter 3: Community Needs Page 53 City of San Bernardino 2010-2015 Consolidated Plan • Special Needs Services These needs categories were further divided into specific topics, such as "community centers" (from the Community Facilities category), "streettalley improvements" (from the Infrastructure category), and "senior services and activities" (from the Community Services category). For each category, the respondent was asked to indicate unmet needs that warrant expenditure of public funds by ranking the relative importance of each topic. In tabulating the survey results, an average score was calculated for each need category; the lower averages (and closer to 1) represent the community's assessment of that category as more in need (and therefore higher in the rank order). The three highest-ranked activities/programs for each needs category are presented in Table 35. More detailed information is provided in Appendix A. Table 35: Community Development Needs Category Highest Ranked Activities/Programs Rank Order Fire Stations 8 Equipment 1 Community Facilities Youth Centers 2 Health Care Facilities 3 Anti-Crime Programs 1 Community Services Youth Activities 2 Health Services 3 Infrastructure -Street/Alley Improvement 1 Improvements Street Lighting 2 Code Enforcement 3 Job Creation/Retention 1 Economic Development Small Business Loans 2 Em to ment Training 3 Neglected/Abused Children Center and Services 1 Special Needs Services Homeless Shelters/Services 2 Domestic Violence Services 3 2. Community Development Needs The following discussions are based on consultation with staff and existing studies and reports. Community and Special Needs Services The City has a number of special needs groups in need of public service assistance, including seniors, youth, disabled persons, persons at risk of homelessness, and homeless persons. According to San Bernardino County's Department of Human Services 2008 Annual Report, 32.7 percent of the City's population was on some form of public aid (Cash Aid, Food Stamps, and/or MediCal) during 2007. In addition, according to San Bernardino Unified School District's Research and Statistical Department, of the 53,430 students enrolled, 83 percent qualify for the District's"Free and Reduced Lunch Programs." Chapter 3: Community Needs Page 54 City of San Bernardino 2010-2015 Consolidated Plan San Bernardino has been at the helm in developing a strong collaboration with for-profit and non-profit organizations to access Federal and State programs to provide necessary public support services for families or individuals in need of assistance. Neighborhood Services and Code Compliance The City's Code Compliance Department enforces the codes that govern the use and maintenance of private property. The codes were developed to prevent blight and other nuisances that can devalue, detract, and degrade the quality of any neighborhood. Most of the City's codes pertain to private residential property, but some codes regulate the condition of commercial properties as well. As an older city, many of San Bernardino's neighborhoods are experiencing signs of decline. As a result, the Code Compliance Department('Code") has divided the City into six revitalization areas located within low income Census tracts. Two Code Compliance officers are assigned to each of the following areas: • Between West W Street on the north, West 13'" Street on the east and North "K" Street on the west, and the 1-215 Freeway on the east • West Baseline Street on the north, West 91" Street on the south, Western Avenue on the west, and North Mt. Vernon on the east • 18' Street on the north, 131" Street on the south, North "D" Street on the west, and North Sierra Way on the east • West King Street on the north, West Rialto Avenue on the south, North Mt. Vernon Street on the west, and North "K" Street on the east • Between North Sierra Way on the north and West 40'"Street on the south • Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive Many of the City's low income neighborhoods have higher incidents of code violations. There are a number of factors that influence this higher rate, including an older housing stock, lack of return on income investment, and/or lower income residents with limited or fewer resources for housing maintenance. Code Compliance officers enforce codes and inform violators of compliance issues by issuing citations to rectify the problem. Code Compliance's Neighborhood Revitalization efforts work in concert with the Redevelopment Agency's Housing Revitalization Programs that utilize redevelopment housing set-aside funds to assist low and moderate income households with needed repairs. Programs include the Single Family Exterior Beautification Grant, the Elderly/Special Needs Minor Repair Grant Program, and the Mobile Home Grant Program. The Code Compliance Department and the Redevelopment Agency work in tandem with the City's local non-profit partners to provide Preventative Maintenance and Homebuyer Education classes to City residents. A majority (72 percent) of the City is located within a redevelopment project area. CDBG funds are used to help support Code Enforcement in the low and moderate income areas. A portion of the funding is used to demolish substandard structures. The Code Compliance Department works in tandem with the Economic Development Agency relative to demolition of substandard buildings, Neighborhood Initiative Program (NIP) in the Target Areas and stabilizing of neighborhoods. Chapter 3: Community Needs Page 55 City of San Bernardino 2010-2015 Consolidated Plan San Bernardino Taking Action Against Graffiti (SIB TAAG) SIB TAAG is a mufti-faceted partnership of City departments, local agencies, and the community. The mission of SB TAAG is to eliminate graffiti in San Bernardino through eradication, education, and enforcement to create a more beautiful San Bernardino. The City maintains a graffiti hotline and graffiti complaints can also be submitted on line. In addition, in 2010 San Bernardino launched an !Phone app that allows users to take a picture of local issues that need resolving (e.g., pot holes, barking dogs, and graffiti) and send the picture to the City. The app knows the exact location and sends the issue directly to the staff member who can fix it. The GPS and camera features built into the iPhone make it simple for residents to alert City officials about a variety of issues around the clock while they're mobile. Residents will know that their issue went to the right person without ever going to an office or sitting down at a computer, and they can also receive status updates on their issues. The iPhone app can be downloaded for free from the iPhone App or by going to the City of San Bernardino's website. Community Facilities and Public Improvements The City's five-year Capital Improvement Program (2007-2012) represents a key community and economic development tool to implement the priorities detailed in the Consolidated Plan. The Capital Improvement Program allocates funding for targeted public investments that support revitalization of the City's older neighborhoods and downtown San Bernardino as well as new development projects that will create employment for local residents. The CIP covers six primary categories of capital investments, including general buildings, streets and street lighting, sewers, storm drains, traffic controls, and parks and recreation. Projects in the general buildings, streets and street lighting, and parks and recreation categories may be funded with CDBG funding, among other sources. The San Bernardino Development Services Department is responsible for the maintenance and improvement of the traffic control system, parks and recreation, public facilities such as fire stations, storm drains, and sewers. Development Services/Engineering Department The City of San Bernardino Development Services Department is responsible for road improvement projects within the City. The funding for these activities comes predominantly from taxes collected from the sale of gasoline in the State of California, as well as from County of San Bernardino Sales Tax. Road rehabilitation activities are guided by the Pavement Analysis Management System, which was completed in 2002, and the 2007-2012 Capital Improvement Plan. The Development Services/Public Works Department focuses attention on gateways to the City and major arterials. The San Bernardino Development Services Department is also responsible for the maintenance and improvement of the traffic control system, parks and recreation, public facilities such as fire stations, storm drains, and sewers. Chapter 3: Community Needs Page 56 City of San Bernardino 2010-2015 Consolidated Plan Parks, Recreation, and Community Services Department The City of San Bernardino Parks, Recreation, and Community Services Department maintains the parks and recreation facilities owned by the City and offers a wide variety of classes and activities for all age groups. Classes offered include arts and crafts, fitness, and self defense for adults, after-school activities for children, sports for both youths and adults, and many other recreational activities. In addition, the Department has a mentoring program that brings together volunteers from the community and children in order to help at risk youth find positive role models and make the right decisions. Economic Development A number of agencies help foster economic growth in the City of San Bernardino and the region. City of San Bernardino Economic Development Agency The Economic Development Agency's mission is to enhance the quality of life for the citizens of San Bernardino by creating jobs, eliminating physical and social blight, supporting culture and the arts, developing a balanced mix of quality housing, along with attracting and assisting businesses both independent and through public-private partnerships. The Economic Development Agency provides a variety of financial assistance programs. Tax increment financing is the primary source of funding used by the Economic Development Agency to initiate and oversee redevelopment projects and activities in a community. This financing method is based on the assumption that as an area is revitalized, more property tax will be generated. Upon adoption of a Project Area, the total current assessed value of all the properties within its boundaries is designated as the base year value. As assessed values increase in the Project Area, tax increment revenue is generated by capturing the amount of value added since the base year value was established. This increase in tax revenue, or tax increment, is used by the Agency for reinvestment back into the Project Area. San Bernardino has 13 Project Areas. As required by the California Redevelopment Law, 20 percent of tax increment revenue must be set aside into a separate Low and Moderate Income Housing Fund for the creation and preservation of affordable housing within the Project Area. These funds may then be used for activities such as acquiring property, constructing on- and off-site improvements related to affordable housing development, constructing or rehabilitating affordable housing units, providing subsidies to ensure affordability, and issuing bonds. The Economic Development Agency supports financial and employment assistance packages, either internally or through other accredited financial institutions that specialize in the different needs of the business community. Programs advertised by the Economic Development Agency are listed below. • Business Incentive Grant Program is a program offered by the Economic Development Agency. The program assists business owners, tenants, and property owners by enhancing the curb appeal of their business storefront by providing funds to complete certain exterior improvements. Chapter 3: Community Needs Page 57 City of San Bernardino 2010-2015 Consolidated Plan a� • Grow San Bernardino Fund provides loans to emerging, expanding, and on occasion, start-up businesses. These funds can be used for buildings, land, machinery and equipment, working capital, or leasehold improvements. • Small Business Administration 504 Loans support emerging, expanding, and on occasion, start-up businesses to purchase buildings, land machinery and equipment, or leasehold improvements. • Inland Empire Small Business Financial Development Corporation (IESBFDC) Loan Guarantee Program is designed to assist small businesses that need additional support in the form of a guarantee to induce a lender to lend. Funds can be used for asset purchases, purchases of existing businesses, or establishing new businesses. In addition the IESBFDC also offers low interest loans for the removal, repair, or upgrading of underground storage tanks. Hazardous waste reduction loans are also available to small businesses that meet Environmental Protection Agency (EPA) Hazardous Waste regulations. • Industrial Development Bonds, authorized by the California Statewide Communities Development Authority, can be provided to manufacturing companies. • Utility User's Tax Rebate Program rewards new and expanding businesses who create jobs for city residents, increase sales tax revenues, and/or increase property values within the City. The utility user's tax rebate program provides for a rebate of a portion of the taxes paid on electrical, gas, video, and telephone communication services to new and expanding businesses. Eligible businesses must be located within the City of San Bernardino and must have a current business registration license. City of San Bemardino Employment and Training Agency With its mission to train the work farce to business specifications and to increase jobs for residents, the City of San Bernardino Employment and Training Agency (SBETA) partners with industry to produce a competitive workforce. This dynamic agency is under the direction of the Mayor and the Workforce Investment Board, composed of business leaders and others experienced in education and training. SBETA serves both employers seeking trainable employees and employees seeking employment opportunities, at no cost to the employer or the applicant. Services for businesses include recruitment and referral of pre-qualified applicants, six months reimbursement for half of the wages paid on new employees, customized training, access to a large labor pool, and human resources technical assistance. SBETA serves all job applicants including those entering the labor force for the first time and those with a multitude of experience but now unemployed. Services include job training, employment referrals, job search assistance, labor market information, and support services. These services are easily accessed through the One Stop Career Center, which brings related services together to completely serve the workforce development needs of business and job applicants. Chapter 3: Community Needs Page 58 City of San Bernardino 2010-2015 Consolidated Plan Chapter 4 Housing and Community Development Strategic Plan This five-year Housing and Community Development Strategic Plan is the centerpiece of the 2010-2015 Consolidated Plan for the City of San Bernardino. The Strategic Plan describes: • General priorities for assisting households; • Strategies and activities to assist those households in need; and • Specific objectives identifying proposed accomplishments. In addition, this section will discuss the institutional structure that exists and areas for improvement in delivering housing and community development services to the community. A. Overall Strategic Theme 1. Consolidated Plan Goals The national goals of the CDBG and HOME programs are the development of viable urban communities by providing decent housing, a suitable living environment, and the expansion of economic opportunities, principally for persons of low and moderate income. The ESG program is designed to provide emergency and transitional housing, as well as supportive services for the homeless and those at risk of becoming homeless. The City of San Bernardino's Economic Development Agency's mission with regard to housing and community development is to enhance the quality of life for the citizens of San Bernardino by creating and retaining jobs, eliminating physical and social blight, supporting culture and the arts, developing a balanced mix of quality housing, along with attracting and assisting businesses both independently and through public-private partnerships. The City of San Bernardino and the Economic Development Agency intend to pursue the national goals through implementation of this Strategic plan. Consistent with this aim, the City will allocate CDBG, HOME, and ESG funds for the support of community planning, development and housing programs and activities directed toward achieving the following priorities: • Preserve and rehabilitate existing single-family dwellings. • Improve neighborhood conditions through code enforcement and abatement of dilapidated structures. • Expand homeownership opportunities and assist homebuyers with the purchase of affordable housing. • Provide rental assistance and preserve existing affordable rental housing. err Chapter 4: Strategic Plan Page 59 City of San Bernardino 2010-2015 Consolidated Plan • Expand the affordable housing inventory through new construction. • Eliminate identified impediments to fair housing through education, enforcement, and testing. • Assist homeless and special needs populations with supportive services. • Improve and expand community facilities and infrastructure to meet current and future needs. • Promote economic development and employment opportunities for low and moderate income persons. 2. Resources Available The Strategic Plan focuses on activities to be funded with the three entitlement grants (CDBG, HOME, and ESG) from HUD. As the largest community in San Bernardino County, the City is responsible for the social and economic well-being of over 204,000 residents and thousands of local businesses. Housing and community development needs in the City are extensive and require the effective and efficient use of limited funds. Leveraging of multiple funding sources is often necessary to achieve the City's housing and community development objectives. Funding sources available to the City of San Bernardino on an annual basis are shown in Table 36. Chapter 4: Strategic Plan Page 60 City of San Bernardino 2010-2015 Consolidated Plan r • r Annual Resources Available Program Annual Resources Federal Sources _ Community Development Black Grant CDBG $3,600,000 CDBG Program Income $200,000 HOME Investment Partnerships Act HOME $1,700,000 HOME Program Income $150,000 Emergency Shelter Grant ESG $150,000 Neighborhood Stabilization Program(NSP) $8,400,000 San Bernardino Housing Authority Housing Choice Voucher Program $20,000,000 San Bernardino Housing Authority Public Housing $1,600,000 Total $35,800,000 Local Sources Redevelopment Tax Increment Funds(Approximately) $30,900,000 Redevelopment Housing Set-Aside $6,700,000 City General Funds and State Funds $20,100,000 Total $57,700,000 Non-Profit and For-Profit Sources Non-Profit Partners In-Kind Donations $2,800,000 Developer Investment $109,400,000 Private Lending Institutions $11,900,000 Total $124,100,000 Note: 1. While the Chy's Redevelopment Project Areas generate large amounts of tax increment funds,significant portions of those funds have already been committed to existing bonds and other debt or are needed to make ERAF payments to the State. Available funds for upcoming projects are sgnfficantly less than shown. 2. In FY 2009-10,the City received$1.4 million in Homeless Prevention and Rapid Re-Housing(HPRRP)funds.Future allocations are not guaranteed,however,and the City is not including these funds in its estimate of resources available for the upcoming Consolidated Plan period. The City's overall strategy in expending the HUD Community Planning and Development (CPD) funds (e.g. CDBG, HOME, and ESG funds) over the next five years is presented in Table 37. Specific implementing programs are discussed later in this section. Table 37: Estimated Entitlement Five-Year Expend Needs Category %of CDBG %of HOME %of ESG %of All CPD Funds Funds Funds Funds Community Services(excluding 15% 10 /o 0/0 15% 0%0 0 ° homeless) Housing* 53% 90% 0% 63% Homeless Facilities/Services 0% 0% 100% 3% Public Improvements/Facilities 12% 0% 0% 7% Economic Develo men- 16% 0% 0% 12% Plannin and Administration 4016 10°k 0% 5°k Total 100% 100% 100% 10096 =includes Code Enforcement Chapter 4: Strategic Plan Page 61 City of San Bernardino 2010-2015 Consolidated Plan 3. Criteria for Establishing Priorities ` Based on the community input received, needs analysis provided by various agencies, and the housing and community needs assessment, the City established the priority for expending CPD funds based on a number of criteria, including: • Urgency of needs • Cost efficiency Funding program limitations and eligibility of activities/programs • Availability of other funding sources to address specific needs • Consistency with City goals, policies, and efforts A priority ranking has been assigned to each category of housing and community development need according to the following HUD criteria: • High Priority: Activities to address this need are expected to be funded with Consolidated Plan program funds by the City during the five-year period. • Medium Priority: If Consolidated Plan program funds are available, activities to address this need may be funded by the City during the five-year period. • Low Priority: The City will not directly fund activities using Consolidated Plan program funds to address this need during the five-year period. However, the City may support applications for public assistance by other entities if such assistance is found to be consistent with this Plan. • No Such Need: The City finds there is no need for such activities or the need is already substantially addressed. The City will not support applications for public assistance by other entities for activities where no such need has been identified. 4. Performance Measures and Outcomes In addition, the City has incorporated outcome measures for activities in accordance with the Federal Register Notice dated March 7, 2006, which requires the following Performance Measure Objectives/Outcomes to be associated with each activity: General Objective Categories General Outcome Categories Activities will meet one of the following: Activities will meet one of the followina: • Decent Housing (DH) • Availability/Accessibility (1) • A Suitable Living Environment(SL) Affordability (2) • Economic Opportunity (EO) Sustainability(3) Chapter 4: Strategic Plan Page 62 City of San Bernardino 2010-2015 Consolidated Plan 5. Summary of Five-Year Priorities and Objectives Housing Expanding the supply and improving the quality of affordable housing for lower and moderate income households are high priority goals over the next five years. CDBG funds will be used primarily to support housing rehabilitation and repair assistance to low and moderate income households. Major acquisition/rehabilitation and new construction of multi- family housing will be funded primarily with HOME funds. An estimated 28 percent of total Consolidated Plan funds over the next five years will be allocated to assist with affordable housing production, rehabilitation and conservation. Table 38 presents the priority level for various income groups and households types, and summarizes the proposed "quantifiable" objectives for the next five years. Specific implementing programs are described in later sections. Community Development CDBG, ESG, and HPRP funds will be used to support a range of community development needs, including community and supportive services, public improvements and economic development. The community development priorities established by the City for the next five years based on input from the community and City departments are presented in Table 39. Information on estimated Consolidated Plan funding allocations is also included, where possible and appropriate. Specific objectives benefitting persons with special needs are summarized in Table 40. Chapter 4: Strategic Plan Page 63 City of San Bernardino 2010-2015 Consolidated Plan Table 38: Five-Year Housing Needs and iorities Priority Unmet Goals Priority Housing Needs Income Need Level Need (Units) Households) 0-30% High 3,259 0 Small Related 31-50% High 1,965 0 51-80% High 1,259 0 0-30% High 2,130 0 Large Related 31-50% Hi h 1,305 0 51-80% Hi h 924 0 Renter 0-30% Hi h 708 0 Elderly 31-50% Hi h 423 0 51-80% Hi h 179 0 0-30% Medium 1,565 0 All Other 31-50% Medium 760 0 51-80% Medium 520 0 MID% High 2,023 38 Owner All Households 31-50% Hi h 1,932 38 51-80% High 3,307 39 Special Populations(including elderly 0-80% High households with a housing problem) Total Goals 115 Section 215 Renter Goals Section 215 Owner Goals Notes: 1. 'Unmet Need' based on CHAS Data on households with housing programs (including cost burden, overcrowding, and inadequate housing). 2. Program goals include housing programs funded with CDBG and HOME only. Section 6 vouchers,public housing,and other privately-funded projects are not included. Persons assisted under the Homebuyer Education and Counseling program are not included either. 3. Section 215 Goals are affordable housing that fulf ill the criteria of Section 215 of the National Affordable Housing Act. For rental housing, a Section 215 unit occupied by a low income household and bears a rent that is less than the Fair Market Rent or 30 percent of the adjusted gross income of a household whose income does not exceed 65 percent of the AMI. For an owner unit assisted with homebuyer assistance,the purchase value cannot exceed HUD limit. For an ownership unit assisted with rehabilitation,the mortgage amount cannot exceed HUD limit. 4. Special needs households induce renter-households to be assisted with new construction/conversion of rental housing,and owner-households to be assisted with mobile home repair grants, elderlylspecial need repair grants, and mobile home ownership programs. Chapter 4: Strategic Plan Page 64 City of San Bernardino 2010-2015 Consolidated Plan Table Development Dollars to Priority Community Development Needs Priority Quantified Address Level Objectives Unmet Priority Needs PUBLIC SERVICE NEEDS(people) Homeless Services High 275,000 units of service Fair Housing High 750 persons Senior Services High 4,500 units of service Handicapped Services High 100 persons $2,000,000 Youth Services High 20,000 units of ($300,000+ service allocated on an 10,000 units of annual basis Child Care Services High service for public Transportation Services Medium service) Substance Abuse Services Medium 1,000 persons Employment Trainin Hi h 1,500 persons $750,000 Health Services High 7,500 units of (ESG) service Crime Awareness Medium Other Public Service Needs High 177,750 units of service `. Lead Hazard Screening High — PUBLIC FACILITY NEEDS(projects) Senior Centers Medium Handicapped Centers Medium Homeless Facilities High Youth Centers Medium $13,000,000 Childcare Centers Medium (up to 65%of Health Facilities Medium CDBG) Neighborhood Facilities Medium Parks andlor Recreation Facilities High $750,000 -Parking Facilities Low 25 projects (ESG) Non-residential Historic Preservation Low Other Public Facility Needs Medium $20,000,000 INFRASTRUCTURE(projects) (general fund Water/Sewer Improvements Medium and other Street Improvements include ADA improvements Hi h development Sidewalks include ADA improvements Hi h impact fees) Solid Waste Disposal Improvements Medium Flood Drain Improvements High Other Infrastructure Needs Medium ECONOMIC DEVELOPMENT ED Assistance to For-Profits businesses Hi h 50 businesses $2,500,000 ED Technical Assistance businesses Hi h assisted (Business Chapter 4: Strategic Plan Page 65 City of San Bernardino 2010-2015 Consolidated Plan Table Development Dollars to Priority Community Development Needs Priority Quantified Address Level Objectives Unmet Priority Needs Micro-Enterprise Assistance businesses High Incentive Rehab; Publicly-or Privately-Owned Grant,CIC, CommerciallIndustrial projects High SBDC) C/I'Infrastructure Development(projects) Medium Other CA Improvements ro'eds Medium $10,000,000 CODE ENFORCEMENT Code Enforcement High 2 inspections PLANNINGIADMINISTRATION Planning/Administration CDBG, HOME,and ESG High — $3,000,000 TOTAL ESTIMATED DOLLARS NEEDED $51,500,300 Table •r Special Dollars to Priority Special Needs Need Unmet Need Primary Programs Address Quantified Subpopulations Level Unmet Objectives Need 17,313 elderly Senior services, 4,500 units Elderly/Frail persons,including housing repair grants, Elderly High 7196 frail elderly with and ADA $175,000 of service for a disability improvements seniors Severe Mental Estimated 2,036 Needs are addressed Illness Low persons with severe primarily through the N/A NIA mental illness Count Estimated 17,320 Special needs housing Physical/ physically disabled services, 50 persons Developmentally High and 3,680 $100,000 with Disabled developmentally i repair grants,ADA mprovements to disabilities disabled persons infrastructure and community facilities Persons with Estimated 15,000 Needs are addressed Alcohol/Drug High persons with on through the N/A N/A Addictions substance abuse County issues Estimated 1,439 Persons with persons living with Needs are addressed HIV/AIDS Law HIV and 1,759 primarily through $100,000 50 persons persons living with countywide efforts AIDS Chapter 4: Strategic Plan Page 66 City of San Bernardino 2010-2015 Consolidated Plan B. Housing Needs Rising housing costs and the aging housing stock affect many households in the City of San Bernardino, particularly those of lower and moderate incomes. According to the 2000 Census, 83 percent of extremely low income households, 79 percent of low income households, and 57 percent of moderate income households experienced one or more housing problems such as housing cost burden, overcrowding, or substandard housing conditions. Overall Housing Strategy Consolidated Plan funding sources are dedicated to housing (and related services). Approximately three percent of CDBG funds and 90 percent of HOME funds will be used for housing activities on an annualized basis. Consolidated Plan funds will continue to support affordable ownership and rental housing development, housing rehabilitation programs, code enforcement and homebuyer assistance programs. The housing programs discussed below are intended to accomplish the following statutory programmatic goals: • Preserve and Rehabilitate Existing Single-Family Dwellings • Improve Neighborhood Conditions through Code Enforcement and Abatement of Dilapidated Structures • Expand Homeownership Opportunities and Assist Homebuyers with the Purchase of Affordable Housing • Provide Rental Assistance and Preserve Existing Affordable Rental Housing • Expand the Affordable Housing Inventory through New Construction • Eliminate Identified Impediments to Fair Housing through Education, Enforcement, and Testing Priority: Preserve and Rehabilitate Existing Single-Family Dwellings Program H-1: Mobile Home Grant Repair Program Although the compact nature of mobile homes generally reduces maintenance costs, the cost of maintenance as units age and deteriorate can overextend a lower or moderate income household's budget. The Mobile Home Grant Repair Program, supported by the Economic Development Agency and administered by local non-profit organizations, provides grants up to $5,000 for mobile home repairs. Funding: HOME funds Five-Year Objective: Estimated 100 mobile homes to be rehabilitated over the next five years, for an average of 20 units rehabilitated annually. Performance MeaSUre/Outcome: Decent Housing/Availability (DH-1) Chapter 4: Strategic Plan Page 67 City of San Bernardino 2010-2015 Consolidated Plan Program H-2: Single-Family Beautification Loan/Grant Program The Single-Family Exterior Beautification Program assists homeowners who are occupying their dwellings and whose incomes do not exceed 120 percent of the median income. The program provides financial assistance of up to $15,000 to homeowners for exterior improvements to their property. As a condition of receiving this assistance, property owners are required to attend a "Preventative Maintenance" class conducted by one of the City's local non-profit partners. Funding: Redevelopment Set-Aside funds Five-Year Objective: Estimated 500 households to be assisted over the next five years, for an average of 100 households assisted annually. Performance Measure/Outcome: Decent Housing/Availability(DH-1) Program H-3: Elderly/Special Needs Minor Repair Grant Program (Old Timers Grant) This program provides minor and emergency home repairs for low income homeowners (80 percent and below median income). Repairs cannot exceed $1,000 per housing unit. Seniors (60 years or older), disabled persons or recipients of SSI are eligible for this program. Qualified repairs include: plumbing (i.e., sink fixtures), replacing of doors, screens, and window glass, and minor electrical repairs. Outreach for the program is conducted at various Senior Centers throughout the City, and by word-of-mouth. Funding: Redevelopment Set-Aside funds Five-Year Objective: Estimated 425 households to be assisted over the next five years, for an average of 85 households assisted annually. Performance Measure/Outcome: Decent Housing/Availability(DH-1) -- Priority: Improve Neighborhood Conditions through Code Enforcement and Abatement of Dilapidated Structures Program H-4: Code Compliance's Neighborhood Revitalization As an older city, many of the City of San Bernardino's neighborhoods are experiencing signs of decline. Many of the City's low income neighborhoods have higher incidents of code violations. A number of factors influence this higher rate, including an older housing stock, a lack of return on income investment, and lower income residents with limited resources for housing maintenance. As a result, the Code Compliance Department has divided the City into six revitalization areas that are located within low income census tracts. Two Code Compliance officers are assigned to each of the following areas: • Between West 14th Street on the north, West 13th Street on the east and North "K" Street on the west, and the I-215 Freeway on the east. • West Baseline Street on the north, West 9th Street on the south, Western Avenue on the west, and North Mt. Vernon on the east. • 18th Street on the north, 13th Street on the south, North "D" Street on the west, and North Sierra Way on the east. Chapter 4: Strategic Plan Page 68 City of San Bernardino 2010-2015 Consolidated Plan • West King Street on the north, West Rialto Avenue on the south, North Mt. Vernon Street on the west, and North "K" Street on the east. • Between North Sierra Way on the north and West 40th Street on the south. • Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive. Code Compliance's Neighborhood Revitalization efforts work in concert with the Redevelopment Agency's Housing Revitalization Programs and the Preventative Maintenance and Homebuyer Education classes provided by one of the City's local non- profit partners. In addition to conducting property inspections, Code Compliance strives to improve the residential environment by demolishing the most blighted, substandard and hazardous buildings. The focal point will be on buildings that have been vacant for an extended period of time, have deteriorated and become a public nuisance and have lost their viability for reuse. Funding: CDBG funds Five-Year Objective: Estimated 25,000 properties to be inspected over the next five years, for an average of 5,000 properties inspected annually. Performance Measure/Outcome: Suitable Living/Sustainability (SL-3) Priority: Expand Homeownership Opportunities and Assist Homebuyers with the Purchase of Affordable Housing Program H-5: Homebuyer Education Some new homebuyers and existing owners are not properly informed of the responsibilities of homeownership and could greatly benefit from educational programs on credit, lending and home maintenance topics. The City contracts with local non-profit organizations to provide educational programs. Funding: HOME funds, Redevelopment Set-Aside funds, Private Investment Five-Year Objective: Estimated 1,500 persons to be assisted over the next five years, for an average of 300 persons assisted annually. Performance Measure/Outcome: Decent Housing/Availability (DH-1) Program H-6: Homebuyer Assistance Program (HAP) This program is designed to assist qualified first-time homebuyers with the purchase of a home within the City limits. Eligible properties can include condominiums, town homes, and single-family detached homes. The Homebuyer Assistance Program provides financial assistance (of up to 20 percent of the purchase price) that may go towards down payment and closing costs. The homes purchased under this program may be located in any census tract in the City, as long as the dwelling is used as the homebuyer's principal residence and the home remains affordable for a period of not less than forty-five (45)years. Chapter 4: Strategic Plan Page 69 City of San Bernardino 2010-2015 Consolidated Plan Funding: Redevelopment Set-Aside funds, Private funds Five-Year Objective: Estimated 250 households to be assisted over the next five years, for an average of 50 households assisted annually. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Priority: Provide Rental Assistance and Preserve Existing Affordable Rental Housing Program H-7: Section 8 Housing Choice Voucher(HCV) program Under the Section 8 HCV program, low income families receive rental assistance in the form of a Voucher. Subsidy payments are made by the Housing Authority to property owners on behalf of the family. As of August 2009, there are 27,608 applicants on the Section 8 HVC waiting list countywide. Funding: Section 8 Five-Year Objective: Estimated 2,250 households assisted annually. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Program H-8: Multi-Unit Rental Senior Projects The Redevelopment Agency issued mortgage revenue bonds for the Highland Lutheran Senior Center (50 housing units) in 1996. The Agency continues to service the annual debt in order to ensure that not less than 50 percent of the units in this project are set-aside for very low income seniors. The covenant remains in effect for 30 years. Funding: Section 8, Redevelopment Set-Aside funds Five-Year Objective: Continue to assist 50 households at the Highland Lutheran Senior Center. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Program H-9: Public Housing The Housing Authority operates 684 units of conventional public housing in the City of San Bernardino. The Housing Authority conducts annual inspections of its units to determine a need for capital improvements under its Capital Fund program. As of August 2009, there are 15,758 applicants on the waiting list for public housing countywide. Funding: Public Housing Capital Fund Five-Year Objective: Continue to assist 689 households annually through the public housing program. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Priority: Expand the Affordable Housing Inventory through New Construction Program H-10: New Housing Development The Redevelopment Agency fosters relationships with for-profit and non-profit housing developers for the new construction of both market rate and affordable housing projects. The Agency leverages its resources with private capital in order to develop quality affordable Chapter 4: Strategic Plan Page 70 City of San Bernardino 2010-2015 Consolidated Plan homes for San Bernardino residents. The Agency will continue to pursue both rental and ownership housing opportunities for households with incomes up to 120 percent MR. Specific projects have not yet been identified for the upcoming five-year planning period; however, HOME funding was recently allocated to the Arroyo Valley Community Economic Development Corporation for the construction of three new homes and a "Community Garden" on Agency-Owned lots. The homes will be sold to income eligible homebuyers whose incomes do not exceed 80 percent MFI. Funding: HOME funds, Redevelopment Set-Aside funds, Private funds Five-Year Objective: Estimated 15 housing units to be constructed over the next five years, for an average of 3 housing units constructed annually. Performance Measure/Outcome: Decent Housing/Affordability(DH-2) Program H-11: Senior Housing Development The City is committed to facilitating the development of new housing projects and maintaining the quality of existing housing for low income seniors. Specific projects have not yet been identified for the upcoming five-year planning period; however, the following projects have received funding in recent years and are currently ongoing: Table g 1• lopment Project Funding Units St. Bemardine's Senior Housing Section 8 150 AHEPA Senior Housing Section 8 50 Cooperative Senior Housing Section 8 75 META Housing, Inc.Senior Development RDA Housing Fund 80 TELACU Senior Housing(Sierra Vista, Section 8 225 Monte Vista&Buena Vista TELACU Senior Housin IV Hacienda HUD 202 Capital Grant;Section 8; HOME Funds 90 TELACU Senior Housing V RDA Housing Fund; HUD 202 Capital Grant; Private Funds 75 Total 745 Funding: Varies by project(see above for details) Five-Year Objective: Estimated 250 housing units to be constructed over the next five years, for an average of 50 housing units annually. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Priority: Eliminate Identified Impediments to Fair Housing through Education, Enforcement, and Testing Program H-12: Fair Housing/Landlord Tenant Program The City contracts with the Inland Fair Housing Mediation Board to provide education, dispute resolution, and legal advising services to San Bernardino owners, landlords, and tenants in conflict. Such services are particularly important for lower and moderate income households unable to afford retaining counsel. The City refers persons with housing discrimination or other fair housing inquiries to the Inland Fair Housing and Mediation Board for assistance. Chapter 4: Strategic Plan Page 71 City of San Bernardino 2010-2015 Consolidated Plan Funding: CDBG funds Five-Year Objective: Estimated 750 persons to be assisted over the next five years, for an average of 150 persons assisted annually. Performance Measure/Outcome: Decent Housing/Availability (DH-1) C. Community Development and Supportive Services Homelessness is a persistent problem that impacts cities and communities, including San Bernardino County. There is a growing sense of awareness that there are substantial public and private "hidden" costs associated with homelessness. Homeless persons become frequent and lengthy users of hospital emergency services, emergency shelters, emergency assistance centers, and correctional facilities because of a lack of a permanent housing environment, which would help better care for daily needs. Some of the "hidden" and "persistent" costs of homelessness to local jurisdictions are the result of ongoing interventions by: Emergency health care providers Paramedics Law enforcement • Emergency psychiatric responders • Temporary motel voucher providers Emergency shelter providers (particularly winter shelter providers) with little or no case management In addition, there are harder to calculate quality-of-life costs associated with the impact of A*& homeless persons on local businesses and business districts, tourism, court systems, and public facilities such as libraries and parks. San Bernardino County has a growing homeless population. According to the San Bernardino County 2007 Homeless Census and Survey, approximately 1,915 homeless persons were found in the City. This is a slight increase from 1,850 homeless persons that were estimated to be in the City in 2003. Three funding sources are used to provide community services for low and moderate income persons and persons with special needs in the City. These include: ESG funds, HPRP funds and public service dollars of CDBG funds (up to 15 percent of the annual allocation). The City places a high priority on actions to assist homeless and special needs persons with housing and supportive services. The City coordinates its procurement of HPRP services with the Office of Homeless Services (OHS), the designated administrative authority over the County's Continuum of Care (CoC) System, to avoid duplication and to ensure that only the highest priority needs are met. The City will target its HPRP funds toward households needing services beyond the scope of the City's available HOME and ESG funds. Furthermore, the City will use its HPRP funds to transition the emphasis on homeless shelters to permanent housing, as the primary solution to homelessness. Strategies for Eliminating Homelessness The City of San Bernardino recognizes that homelessness is a regional issue that impacts every community in the region. As the largest community in the County, the City also serves as a hub for service providers. The City supports the efforts of this network of agencies in .., Chapter 4: Strategic Plan Page 72 City of San Bernardino 2010-2015 Consolidated Plan ending homelessness through the Regional Continuum of Care Strategy. The Continuum of Care Strategy involves four key components: • Homeless Prevention: Provision of preventative services will decrease the number of households and individuals who will become homeless and require emergency shelters and assistance. The City seeks to prevent homelessness by funding emergency assistance for families and households at-risk of being homeless. Educating residents about available services is a key component in reducing homelessness. • Homeless Outreach and Needs Assessment: The homeless require a broad spectrum of services from transportation assistance to life skills to childcare to prescriptions. The City works with homeless providers to identify gaps in assistance and fund these identified gaps on an annual basis. • Emergency Shelter and Transitional Housing: The City provides funds to service providers offering emergency shelter, transitional housing, motel vouchers, food, and a variety of other services which address basic subsistence needs. Based on discussions with homeless advocates and providers, permanent housing and support services are priorities for addressing the immediate needs of the homeless population. • Homeless Transition Strategy. Providing emergency services without complementary transitional and permanent housing services creates a situation where the homeless remain in San Bernardino for services but are trapped in an emergency housing situation or lack shelter due to inadequate resources for transitional and permanent housing. The City will emphasize services providing transitional and permanent housing assistance through case management, life skills, rental support and job assistance for homeless families and individuals transitioning to permanent housing. In addition to the Continuum of Care strategy, the San Bernardino County Office of Homeless Services (OHS) initiated a planning process in March 2008 to develop a strategy to end homelessness in San Bernardino County. Utilizing the committee structure of the San Bernardino County Homeless Partnership 10-Year Planning Committee, OHS convened a number of meetings staffed by members of the OHS team. The intent was to achieve consensus on the Planning Strategy for ending homelessness. To address the problem of homelessness and ideally end it, the San Bernardino County Homeless Partnership 10-Year Planning committee developed 25 specific action recommendations to be undertaken throughout San Bernardino County: 1. Implement countywide homeless prevention strategies to prevent individuals or families from becoming homeless. 2. Use funding from the American Recovery and Reinvestment Act of 2009 "Homeless Prevention and Rapid Re-Housing Program" (HPRP) for supplemental resources including rental assistance and utility assistance. 3. Implement a community outreach and education campaign that raises awareness about households at risk of becoming homeless and provides information about Chapter 4: Strategic Plan Page 73 City of San Bernardino 2010-2015 Consolidated Plan resources available through homeless prevention programs. This effort should leverage the 2-1-1 System for easy access where appropriate. 4. Formalize protocols and improve the coordination of discharge planning. 5. Establish a Central Contact Center that would respond to community calls and concerns for traditional street outreach and engagement and/or assertive community treatment. 6. Expand Street Outreach and Engagement Services to include Multidisciplinary Practitioners and Services. 7. Expand Street Outreach and Engagement Services to include Volunteers from Various Community Groups. 8. Establish Regional "One-Stop" Centers. 9. Use a Comprehensive Tool that Determines Potential Eligibility for Mainstream Resources. 10.Appropriate case management services should be available to all homeless persons whether they are on the street, accessing one-stop centers, in emergency shelters or transitional housing, or receiving permanent supportive services. 11. Develop and execute a "rapid exit" strategy that focuses on early identification and resolution of the barriers to housing through case management services in order to O facilitate the return of a homeless person to permanent housing as quickly as possible. 12. Implement a Rapid Re-Housing Approach for Households with Dependent Children. 13. Increase the Number of Emergency and Transitional Units. 14. Implement a Housing First Approach. 15. Obtain More Shelter + Care Certificates. 16. Increase the Number of Permanent Housing Units with an Emphasis on the Development of Safe Havens. 17. Encourage all local jurisdictions to adopt an inclusionary housing policy that requires a percentage of new housing to be affordable to extremely-low and very low income residents. 18.Assess the Feasibility of a Housing Trust Fund for County and Local Levels of Government. - 19. Expand the capacity of Homeless Management Information System (HMIS) so that agencies may make better use of data, decrease time and effort at intake, and enhance the planning and development functions of the Continuum of Care. 10 Chapter 4: Strategic Plan Page 74 City of San Bernardino 2010-2015 Consolidated Plan 20. Conduct periodic Homelessness 101 Training concerning community issues. 21. Increase awareness of the collaborative Justice Courts and the alternative sentencing programs that provide alternative sentencing mechanism for defendants experiencing homelessness. 22. Implement an education campaign to make the community aware of the findings, guiding principles, goals, and recommendations of this report. 23. Enlist the support of faith based organizations to help implement the goals and recommendations in this report. 24. Create an Interagency Council on Homelessness for San Bernardino County that will be charged with coordinating and evaluating policies concerning all of the recommendations and related activities within this plan. 25. Appoint the San Bernardino County Homeless Partnership 10-Year Planning Committee as an advisory body to the Interagency Council on Homelessness for San Bernardino County and appoint representative(s) of the Homeless Partnership as standing members)to the local Interagency Council on Homelessness. Priority: Assist Homeless and Special Needs Populations with Supportive Services Program CD-1: Emergency Shelters The City supports a number of non-profit agencies that operate emergency shelters for the homeless. Emergency shelters provide the most basic needs of safe shelter and nourishment, as well as drop-in services, counseling,, medical treatment, transportation assistance, referrals to mental health and social service agencies, and assistance with finding appropriate permanent housing. Funding: ESG funds, CDBG funds, HPRP funds, In-Kind Private donations Five-Year Objective: Estimated 200,000 units of assistance to be delivered over the next five years, for an average of 40,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability(SLA) Program CD-2: Transitional Housing Transitional shelters provide housing and needed resources (i.e., job training, money management, alcohol and drug rehabilitation, parenting classes, counseling) to help individuals and families re-establish independent living. These facilities also assist clients with finding permanent housing. Funding: ESG funds, CDBG funds, HPRP funds, In-Kind Private donations Five-Year Objective: Estimated 75,000 units of assistance to be delivered over the next five years, for an average of 15,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SLA) Chapter 4: Strategic Plan Page 75 City of San Bernardino 2010-2015 Consolidated Plan Program CD-3: Rental Assistance Program The Rental Assistance Program is provided to individuals and/or families who must vacate their substandard and unsafe housing unit. The property owners are required to bring their housing units into compliance and their properties are inspected to ensure compliance. Under the Rental Assistance Program, the Redevelopment Agency assists the evacuated families with the required first month's rent and security deposit. The replacement rental unit must be in sound, sanitary, and safe condition and pass a City inspection. Funding: Redevelopment Set-Aside funds Five-Year Objective: Estimated 650 households to be assisted over the next five years, for an average of 130 households assisted annually. Performance Measure/Outcome: Decent Housing/Availability (DH-1) Program CD-4: Utility Assistance Program Many lower and moderate income households must defer utility payments or avoid using utilities to afford critical items like health care and mortgage payments. The Utility Assistance Program assists San Bernardino City households that are at 50 percent of MFI with the cost of utilities. Funding: Redevelopment Set-Aside funds Five-Year Objective: Estimated 1,000 households to be assisted over the next five years, for an average of 200 households assisted annually. Performance Measure/Outcome: Decent Housing/Availability(DH-1) Program CD-5: Health Services Lower income households often lack access to quality affordable health care. The City funds a variety of agencies that provide free or low cost medical services for lower income San Bernardino residents. Funding: CDBG funds Five-Year Objective: Estimated 7,500 units of assistance to be delivered over the next five years, for an average of 1,500 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SLA) Program CD-6: Comprehensive Service Centers Lower income families and individuals can benefit from a variety of supportive services. Comprehensive service providers offer a range of programs that assist clients with their various transportation, nutrition, technology, childcare and education needs. Funding: CDBG funds Five-Year Objective: Estimated 175,000 units of assistance to be delivered over the next five years, for an average of 35,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SLA) Chapter 4: Strategic Plan Page 76 City of San Bernardino 2010-2015 Consolidated Plan Program CD-7: Youth Services It is important for the young people of the City of San Bernardino to have the opportunity to engage in activities that enable them to develop self-esteem and reach their full potential. The City will use CDBG funds to support the following types of youth services and activities: • Character and leadership development •. Education and career development • Health and life skills • The arts • Sports, fitness and recreation. Funding: CDBG funds Five-Year Objective: Estimated 20,000 units of assistance to be delivered over the next five years, for an average of 4,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SLA) Program CD-8: Senior Services Seniors are some of the City's most vulnerable residents. The City will use CDBG funds to support the following types of senior programs and services: • Transportation assistance • Nutrition and meal programs • Recreational, educational and social opportunities \.. • Information and referral services Funding: CDBG funds Five-Year Objective: Estimated 4,500 units of assistance to be delivered over the next five years, for an average of 900 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) Program CD-9: Legal Services Every San Bernardino resident is guaranteed access to the judicial system and has certain rights and privileges that are recognized and protected regardless of ability to pay. Access to legal services empowers clients by giving them the tools; i.e., the legal documents and procedural information, needed to seek solutions through court orders. These services improve the lives of clients by helping them resolve domestic dispute, seek financial stability, and access the healthcare, dental, and developmental services needed for themselves and their minor dependents. Funding: CDBG funds Five-Year Objective: Estimated 1,750 units of assistance to be delivered over the next five years, for an average of 350 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) Program CD-10: Services for Victims of Domestic Violence Chapter 4: Strategic Plan Page 77 City of San Bernardino 2010-2015 Consolidated Plan Victims of domestic violence often require a variety of supportive services before they can transition back to living independent, self-sufficient lives. These services include immediate crisis intervention, follow-up services, one on one counseling, accompaniment and advocacy services. Funding: CDBG funds Five-Year Objective: Estimated 1,000 units of assistance to be delivered over the next five years, for an average of 200 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SLA) Program CDA 1: Child Care Services All families with children, regardless of income, deserve an opportunity to work and attend school with the assurance that their children are in a safe and comfortable learning environment. Quality affordable child care is therefore a critical need for all families in San Bernardino, especially for single-parent households whose child care options are more limited. The City will use CPD funds to support programs that provide children with a high quality developmental program, one that teaches skills that go beyond learning to read and write at an early age, and a stimulating environment that offers opportunities to explore, create, examine and question without concern for judgment, disapproval or criticism. Funding: CDBG funds Five-Year Objective: Estimated 10,000 units of assistance to be delivered over the next five years, for an average of 2,000 units of assistance annually. Performance Measure/outcome: Suitable Living/Availability (SLA) D. Public Improvements and Community Facilities The City of San Bernardino is one of the oldest communities in California. Much of San Bernardino was developed 30 to 40 years ago and the City is laden with an aging infrastructure system, obsolete buildings, inadequate community facilities and deteriorating neighborhood conditions. These conditions affect not only residents, but also local businesses. Approximately 12 percent of CDBG funding will be used for public improvements and community facilities on an annualized basis. CDBG funding may only be used for projects that benefit low moderate income neighborhoods, in other words, neighborhoods where more than half (51 percent) of residents have incomes less than 80 percent of the Median Family Income (MFI)for the San Bernardino County area. The City plans to focus most of its community facility and public improvements projects in these "area benefit" communities. Projects in "non-area benefit" communities will not be excluded; however, these projects must demonstrate eligibility based on the service area of the project. The City's five-year Capital Improvement Program (CIP) (FY 2009 - FY 2014) identifies the City's proposed capital improvement projects, their estimated costs, and sources of funding needed to provide the quality service and public improvements expected by the residents and businesses of the City of San Bernardino. The CIP outlines the City's plan for targeted public investments that support the revitalization of the City's older neighborhoods and downtown San Bernardino, as well as new development projects that will create employment for local residents. Chapter 4: Strategic Plan Page 78 City of San Bernardino 2010-2015 Consolidated Plan The San Bernardino Development Services Department is responsible for the maintenance and improvement of the traffic control system, parks and recreation facilities, and public facilities (which include fire stations, storm drains, and sewers). The Department will continue its efforts to improve the living environment, improve accessibility (i.e. ADA improvements), and prevent the deterioration of the transportation infrastructure in low and moderate income neighborhoods. The City will also continue its efforts to design and construct storm drains needed to prevent flooding. Priority: Improve and Expand Community Facilities and Infrastructure to Meet Current and Future Needs Program 1-1: Fire Equipment Leases The City of San Bernardino Fire Department serves a resident population of approximately 202,000 and covers a diverse service area of 59.3 miles. This service area covers approximately 19 miles of wild land interface area, a major rail yard, an international airport, the County Seat, a jail, two major mall complexes, and three major interstate freeways (10, 215 and 210). Currently, the Department staffs twelve fire engine companies, two aerial truck companies, one heavy rescue, five 4-wheel drive brush engines, one hazardous material response rig and one medic squad housed in twelve stations throughout the City. Fire Stations No. 221, 222, 224, 229, and 231 serve the City's low and moderate income areas (Figure 4). The City will use CDBG funds for the payment of fire equipment leases that serve the low and moderate income areas. Funding: CDBG funds Five-Year Objective: Continue to assist with fire equipment leases Performance Measure/Outcome: Suitable Living/Availability (SL-1) Chapter 4: Strategic Plan Page 79 City of San Bernardino 2010-2015 Consolidated Plan Figure 4: Low-Mod Fire Service Areas City of San Bernardino Low-Mod Fire Service Areas °nJ 0 7 3 P yl is �m pn Oa 'i s r � 1ww.nwnre ltl� 6� ��etl C5 � �mrmm 3}i 1)Ol Wea tAh Lrtn 956Rt 3➢ EVI N<M M<dal C<mer Pee _ <99Tt E)9 )MI hEN � 6)984 5 16tl NJIPrt 113M m meeiw nra N u9 zs u<min,wn.n xems 'zvue3rnau�o.i<ai«�x<nsssiar<NO�w.y; um. "••"�•`•..�•••,•.•••_ 3I3. :YSSN YiIm M<rve. %1TI%: Chapter 4: Strategic Plan Page 80 City of San Bernardino 2010-2015 Consolidated Plan Program 1-2: Street and Street Lighting Street and street lighting projects include efforts to extend and widen streets, street resurfacing, construction of curbs, gutters, sidewalk, handicap ramps, bikeways, right of way acquisition and street lighting systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential Street and Street Lighting projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Accessibility Improvements at various locations • Street Safety Improvements at various locations • Pavement Rehabilitation at various locations • Bus Stop Concrete Pads at various locations • Grade Separation at various locations • Street Widening at various locations • Streetlight Poles and Electric Systems Replacement at various locations • Traffic Calming Measures at various locations • New Road Construction at various locations Funding: CDBG funds, CDBG program income, Federal and State aid, State Gas Tax, Sales Tax Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) Program 1-3: Sewer Sewer projects include efforts to increase system capacity for new users, replace aging or obsolete systems and meet new regulatory requirements. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential sewer projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Sewer Main Extensions at various locations • Sewer Manhole Rehabilitation at various locations • Sewer Siphon Flushing at various locations • Sewer Main Replacement at various locations Funding: CDBG funds, CDBG program income, Sewer Connection fees, sewer line construction and maintenance funds Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability(SL-1) Chapter 4: Strategic Plan Page 81 City of San Bernardino 2010-2015 Consolidated Plan Program 1-4: Storm Drain Storm drain projects include efforts to install new storm drain systems (per the City's Comprehensive Storm Drain Master Plan) and replace aging or obsolete systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential Storm Drain projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Storm Drain Installation and Rehabilitation at various locations • Storm Drain Realignment at various locations Funding: CDBG funds, CDBG program income, Development Impact fees, Storm Drain construction funds Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability(SL-1) Program 1.5: Traffic Control Traffic control projects include efforts to install new traffic signals, add traffic striping, and replace aging or obsolete traffic control systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which of the projects will be funded and ultimately completed. The following is a list of potential Traffic Control projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Traffic Signal Upgrades at various locations • Traffic Signal Interconnections and Synchronization at various locations • Bike Path Installations at various locations • Traffic Signal Installations at various locations • Upgrade to Fluorescent Signs at various locations • Installation of Solar-Powered Speed Signs at various locations • Installation of Pedestrian Signals at various locations Funding: CDBG funds, CDBG program income, Development Impact fees, Federal and State aid, State Gas Tax Funds, Sales Tax Funds, Traffic Systems Fees Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) Program 1-6: Parks and Recreation Parks and recreation projects include the maintenance and upgrade of parks, game courts and fields, fielding lighting, recreation buildings, Park's restroom buildings and playground equipment. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which of the projects will be funded and ultimately completed. The following is a list of potential Parks and Recreation projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: 11 Chapter 4: Strategic Plan �7 Page 82 City of San Bernardino 2010-2015 Consolidated Plan • Tree Plantings at various locations • Replacement of Equipment at various Community Centers • Design and Engineering Services at various locations • Expansion and Renovations at various Senior Centers • Soccer Field Construction at various locations • Restroom Renovations at various locations • Fencing and Lighting Upgrades at various locations • Concrete and Lighting Installations at various locations • Hiking and Exercise Trail Construction at various locations • Irrigation System upgrades at various locations Funding: CDBG program income, Park Construction Fees Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) E. Economic Development and Anti-Poverty Two of the City's highest priorities are: (1) to attract industries and employers that provide higher-paying jobs and a wider range of employment opportunities, and (2) to assure that local residents have the necessary skills to fill those jobs. To implement said priorities, the City, in collaboration with other public agencies, such as the San Bernardino Employment and Training Agency (SBETA) and private enterprise developers, will pursue strategies that promote the growth of production industries whose goods or services are sold to state, national, or global markets to bring outside income into the community. SBETA's mission is to train the work force to business specifications and to increase jobs for residents. SBETA partners with industry to produce a competitive work force. The SBETA Agency is under the direction of the Mayor and the Workforce Investment Board, composed of business leaders and educators. SBETA serves both the employer seeking trainable employees and City residents seeking employment opportunities. The primary entity to implement these priorities is the City's Economic Development Agency (EDA). The City's EDA will continue to support job creation, job retention, training, education, downtown revitalization, and infrastructure improvement efforts. The EDA's mission is to enhance the quality of life for the citizens of San Bernardino by attracting and retaining businesses and jobs, eliminating physical and social blight, and developing a balanced mix of quality housing. Priority: Promote Economic Development and Employment Opportunities for low and moderate income households Program ED-1: San Bernardino Library Literacy Program The San Bernardino Library Literacy Program provides free, individualized literacy services and materials to residents in a non-threatening, confidential, student-centered environment, Chapter 4: Strategic Plan Page 83 City of San Bernardino 2010-2015 Consolidated Plan in order to equip participants with life-long learning skills and prepare them for personal, family, career and community success. One-on-one tutoring and small group sessions are offered by trained volunteers to qualified adult learners in areas of basic reading, math, spelling and computer literacy. Funding: CDBG funds Five-Year Objective: Estimated 250 persons to be assisted over the next five years, for an average of 50 persons assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Program ED-2: Inland Empire Small Business Financial Development Corporation (IESBFDC) Loan Guarantee Program The Loan Guarantee Program is designed to assist small businesses that need additional support in the form of a guarantee to induce a lender to lend. The program places special emphasis on women and minority-owned businesses, as well as businesses located in designated enterprises zones. To be eligible, business must: (1) be unable to obtain financing without the guarantee, and (2) demonstrate repayment ability with adequate collateral support. Guarantees can be issued on short term loans, revolving and contract lines of credit, term loans for asset purchases, purchases of existing businesses, or for establishing a new business. Funding: CDBG funds, Private funds, In-Kind Private donations Five-Year Objective: Estimated 25 businesses to be assisted over the next five years, for an average of 5 businesses assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability (EO-1) Program ED-3: Grow San Bernardino Fund SBA 7A Loan Program The SBA 7A-Grow America Fund Program provides loans to small businesses. This program is available countywide and can provide 100 percent financing for up to $1 million. The program provides long-term, fixed-rate financing which may be utilized for property acquisition, construction, building renovations or leasehold improvements, debt refinancing, capital equipment and working capital. Repayment ability from cash flow of the business is a primary criterion in the loan evaluation, but good character, management capability, and collateral are also important considerations. Eligible business must demonstrate at least three years of profitable operation, good liquidity, and a satisfactory debt-to-equity ratio. Funding: CDBG funds, Redevelopment Set-Aside funds, Private funds, In-Kind Private donations Five-Year Objective: Estimated 10 businesses to be assisted over the next five years, for an average of 2 businesses assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Chapter 4: Strategic Plan Page 84 City of San Bernardino 2010-2015 Consolidated Plan Program ED-4: Business Incentive & Downtown Revitalization/ Fagade Program The Business Incentive Grant Program assists business owners, tenants, and property owners to enhance the "curb appeal" of their business storefront by providing funds to complete exterior improvements. The program also provides grants to help business owners retain their current employment levels or expand their current employment levels. The program offers grants reimbursements that are not-to-exceed $10,000. The applicant will be required to match this grant dollar for dollar and will be reimbursed at the completion of all pre-approved improvements. Funding: Redevelopment Set-Aside funds, Private funds Five-Year Objective: Estimated 125 businesses to be assisted over the next five years, for an average of 25 businesses assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability (EO-1) Program ED-5: Utility User's Grant Program The Business Utility User's Tax Rebate Program rewards new and expanding businesses who create jobs, increase sales tax revenues, or increase Property values by refunding a percentage of the City's utility taxes paid on electrical, gas, cable, and telephone services to operate their businesses. Funding: Redevelopment funds Five-Year Objective: Estimated 10 businesses to be assisted over the next five years, for an average of 2 businesses assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Program ED-6: Section 108 Loan Repayment In 2006, the City, its Redevelopment Agency, and HUD executed Section 108 loan documents for an award of $7.5 million. The loan was utilized for the acquisition of 22 blighted and socially problematic four-plex apartment dwellings in the North Arden Guthrie Area. Together with other redevelopment funds of approximately $7.5 million, tenants have now been relocated into safe and sanitary housing, the structures demolished, and the land will be made available to a master developer (Home Depot) for the purpose of constructing a retail commercial center. The City is currently renegotiating a HUD Section 108 Loan for the 20-Plex movie theater (formerly known as the CinemaStar) in the amount of $9 million to repay the original HUD 108 Loan of $4.6 million and provide necessary funds for new technology upgrades and remodeling by Maya Cinemas North America, Inc. The Project will include: new furniture and fixtures, carpeting, tile, counter-tops, paintwork, new seating, new digital projection equipment, movie screens and sound equipment, correction of American with Disabilities Act deficiencies, expansion of the main lobby and installation of equipment and expansion of one I-Max auditorium. The term of the Section 108 financing will be seven years with interest only payments. Funding: Section 108 loan, Redevelopment funds Five-Year Objective: Estimated 475 jobs created/retained upon completion. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Chapter 4: Strategic Plan Page 85 City of San Bernardino 2010-2015 Consolidated Plan Program ED-7: California Theatre The Redevelopment Agency owns and contracts out the maintenance of the Historic California of the Performing Arts Theatre (the "Theatre"). The Agency is currently in the process of conducting a series of renovation improvements for the Theatre. The improvements include, but are not limited to the following items: installation of a fire protection sprinkler system, structural support system for front entry and installation of a pull pipe system. This project will facilitate the creation, promotion, and retention of over 1,400 employment opportunities. Funding: Redevelopment funds Five-Year Objective: Estimated 1,400 jobs created/retained upon completion of renovations. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Program ED-8: Redevelopment Agency Activities The Agency undertakes numerous marketing activities designed to enhance the image of the community and attract new development expanding both employment opportunities and the tax base. Activities include the production of print marketing materials, advertising and public relations activities in the printed media, representation of the Agency at targeted trade shows and exhibitions and the production of a weekly, business oriented, television show targeted towards the business community. In addition, the Agency and the City will facilitate the development of the proposed projects and planning efforts summarized in Table 42. Him Project Activity Jobs Created/Retained ARCO AMIPM Inland Center Drive Utility Undergrounding 10 ARCO AM/PM New Business Construction 9 Arrowhead Central Credit Union New Business Construction 400 Serrano Development(Cooley Avenue New Business Construction Court House New Construction — Hillwood Project New Business Construction 1,000 Hilton Garden Inn New Business Construction 35 Inland Behavioral Health New Construction 400 Inland Regional Center Property Acquisition 500 La Placita New Business Construction 300 Waterman Holdin s, LLC Property Acquisition 60 Young Electric Sin Company Business Relocation 120 Total 2,415 Funding: Redevelopment funds Five-Year Objective: Estimated 2,500 jobs created/retained over the next five years, for an average of 500 jobs created/retained annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Chapter 4: Strategic Plan Page 86 City of San Bernardino 2010-2015 Consolidated Plan F. Planning and Administration During the upcoming five-year Consolidated Plan period, the City will continue to administer the CDBG, HOME and ESG programs in compliance with program regulations and requirements. Up to 20 percent of CDBG funds can be used by the City to support the general administration of the CDBG program. G. Lead Based Paint Reduction Strategy The City's Lead Based Paint Hazard Reduction Strategy can be summarized as follows: (1) Coordinating public and private efforts to reduce lead-based paint hazards and protect young children; (2) Integrating lead hazard evaluation and reduction activities into existing housing programs; (3) Public awareness through educational materials and programs; and (4) Education and advocacy and (5) lead base eradication to the extent finances are available. The City currently integrates lead hazard evaluation and reduction activities into existing housing inspection and rehabilitation programs. The Economic Development Agency (EDA) provides referrals to and works cooperatively with the County's Lead-Based Paint Removal Program to coordinate efforts to reduce lead-based paint hazards through testing. The County also receives funds from the State Department of Community Services for the development of education and to raise awareness of lead-based paint. Additionally, educational materials are provided to residents through the San Bernardino Redevelopment Agency's Rehabilitation Program, which informs residents of lead hazards, as well as how to get tested, report, and remove the hazard. The Agency is also remediating and stabilizing 80 percent of rehabilitated properties by the removal or encapsulation of lead-based paint. H. Overcoming Barriers to Affordable Housing The City recently undertook a major effort to eliminate constraints, with respect to land use regulations, by developing and adopting a new Zoning Code that unified and simplified the City's development regulations and processes. That effort was followed by a reorganization of the City to unify the various development-related departments into a single Development Services Department and a one-stop permit counter. Moreover, the City is in the process of making the following additional amendments to the Municipal Code in order to further reduce barriers to affordable housing: Corridor Improvement Program The City will facilitate investment and intensification along its underutilized corridors by codifying the development and lot consolidation incentives proposed in the General Plan Land Use Element Corridor Improvement Program. The four Corridor Strategic Areas, Mount Vernon, E Street, Baseline, and Highland, are generally characterized by underperforming strip commercial, vacant or underutilized parcels, deteriorating structures, and inconsistent facades and signage. The Corridor Improvement Program is an optional package of policies, regulations, and incentives intended to stimulate investment and development in the Corridor Strategic Areas. While the underlying land use designations still apply, the property owner may request, and the City may choose to apply, aspects of the Chapter 4: Strategic Plan Page 87 City of San Bernardino 2010-2015 Consolidated Plan Corridor Improvement Program necessary to achieve the desired results. Key incentives include: allowing increased densities for housing and mixed-use projects within 500 feet of a transit stop, increasing density and FARs for mixed-use projects that replace strip commercial on arterials, and increased density for projects that combine parcels (lot consolidation). Furthermore, Code Enforcement activities in this area will encourage violators to demolish unsafe buildings through existing demolition programs and educate property owners of new opportunities available through the Corridor Improvement Program. General Lot Consolidation Incentive The City will amend the Development Code to incentivize lot consolidation for projects that promise to commit to management plans and provide on-site management. Small, individual lots offer limited development potential, and generally cannot support on-site property management. Development opportunities could be increased through a small-lot consolidation program that offers a 15 percent density bonus to projects with a residential component that are committing to a maintenance plan and having on-site management. This encourages a more efficient use of the land while ensuring adequate long-term maintenance and oversight of a property. Density Bonus Provisions The City will facilitate higher density and affordable housing development by amending the development code to reflect the latest amendments to State density bonus law. Density bonus provisions reward developers providing affordable housing to seniors or families with an increase in density and reduced building requirements, such as reduced parking, reduced setbacks, and other factors that decrease the cost of housing production. Density bonus projects can be an important source of housing for lower and moderate income households. Reasonable Accommodation Ordinance The City will reduce governmental constraints to housing for disabled persons by adopting a Reasonable Accommodation Ordinance. The City of San Bernardino does not currently have a formal process for requesting exemptions from government regulations for the purpose of creating housing accessible to disabled persons. A Reasonable Accommodation Ordinance will enact a process for disabled individuals (or those acting on their behalf) to make requests for reasonable accommodation for relief from burdensome land use, zoning, or building laws, rules, policies, practices, and/or procedures. Emergency Shelters The City plans to adopt a permanent emergency shelter ordinance, define emergency shelters in the definitions section of the Development Code, and create development and management standards in accordance with Senate Bill 2. Transitional and Supportive Housing The City will amend the Development Code to adequately define transitional and permanent supportive housing and permit these uses based on unit type, in accordance with Senate Bill 2. Chapter 4: Strategic Plan Page 88 City of San Bernardino 2010-2015 Consolidated Plan Streamlined Processing The City is committed to continuing the streamlining of development activities and regulations and will continue to analyze potential programs that seek to eliminate land use constraints, particularly as related to the provision of new housing and rehabilitation of existing housing. The City is considering amendments to the Municipal Code that will allow increased administrative authority for staff or Zoning Administrator to grant discretionary approvals for housing projects, administrative relief for lower cost housing and density bonus programs, and deviations from the Development Code for lower cost and senior housing projects. In addition, the City will continue to evaluate fees to identify those that may be waived and/or decreased in order to encourage lower cost and senior citizen housing. I. Institutional Structure The Economic Development Agency (EDA) of the City of San Bernardino is the lead agency for the development and implementation of all of the City's housing and community development programs. The Agency is responsible for the preparation and implementation of the five-year Consolidated Plan, annual Action Plans, and any amendments to either Plan. In addition, the Agency is responsible for preparing the Consolidated Annual Performance Evaluation Reports (CAPERs), which reports the progress achieved during a given fiscal year. Implementation of the Consolidated Plan requires the efficient leveraging of multiple funding sources — federal, state, local, and private resources. These funds create housing and economic opportunities for low and moderate income households, particularly those with special needs. The City and EDA will continue to aggressively attract housing development to ensure that all development will be completed in harmony with the State Housing Element and Consolidated Plan's goals. The City and EDA will also continue to coordinate the execution of a regional homeless assistance plan with a countywide Homeless Coalition and the Community Action Partners of San Bernardino County. These groups include: • Non-profit service providers • City of San Bernardino Police Department • County Board of Supervisors • County Department of Public Social Services • County Department of Mental Health • County Department of Public Health • Realtors • AFL-CIO • Veterans • Building Industry Association • Habitat for Humanity • Local colleges • Job training groups The participation of the City and EDA in this cooperative effort enables and facilitates the delivery of homeless services and resources through effective networking. In addition, any Chapter 4: Strategic Plan Page 89 City of San Bernardino 2010-2015 Consolidated Plan development of homeless services outside the city limits serves to lessen the City's homeless problems. Gaps in Service Delivery System The most significant gap in the service delivery system is the lack of sufficient funding to address the City's extensive needs. To bridge this gap, the City actively pursues additional funding opportunities for housing and community development. The City also encourages public/private partnerships to maximize the effective use of resources. J. Coordination Many projects involve the coordinated efforts of public, private and quasi-public agencies and organizations. For example, the Agency coordinates the development and execution of a regional homeless assistance plan with a countywide Homeless Coalition and a Local Coordinating Group. The Economic Development Agency will continue to meet with public and other housing and supportive service providers to use all available resources to the maximum levels of effectiveness. Meetings with these agencies will occur regularly throughout the fiscal year to endorse applications for funding and to discuss cooperative ventures. The City and EDA will also continue dialogue and project coordination with the various public/private agencies involved in implementing the City's housing goals in order to receive input on regulations, codes, and ordinances that could potentially have adverse effects on the development of affordable housing. K. Monitoring The City of San Bernardino follows strict internal monitoring procedures to ensure funds are used appropriately and effectively. Subrecipients are monitored through quarterly reports and onsite visits by the grants coordinator. Affordable housing development projects are monitored to ensure compliance with housing quality standards with City staff performing site visits, inspections, and auditing tenant files. In addition, property management is required to submit reports documenting compliance with income restrictions. The City will continue to undertake annual reviews of all agencies it provides financial assistance to in conformance with 24 CFR 91.230. Findings will be provided as part of the CAPER Report, due to HUD annually. The report will describe the current status of planned activities, as described in the Plan, as well as other information that describes the progress and successes of activities. The Five-Year Consolidated Plan priorities will be evaluated through a comparison of the goals set out for the fiscal year and the productivity characteristics and completion data for each program or activity implemented for the accomplishment of those goals. Performance Measures The City has been continually working to develop a system that measures productivity and program impact. Chapter 4: Strategic Plan Page 90 City of San Bernardino 2010-2015 Consolidated Plan Productivity The Integrated Disbursement and Information System (IDIS) is used to track expenditures and accomplishments of CDBG and HOME funds. This information is subsequently used by staff to prepare the Consolidated Annual Performance Evaluation Report (CAPER) and to evaluate future funding applications. Program Impact An appropriate performance measurement system would also include a component that measures program impact. Program impact reflects the extent to which activities yield the desired results in the community or in the lives of persons assisted. Output-Based Performance Outputs are direct products of a program's activities. They are typically measured in terms of the volume of work accomplished, such as number of low income households served, number of items processed, or number of units constructed or rehabilitated. The processes described above provide the department with the necessary level of information to satisfy the "outputs"component. Outcome-Based Performance Outcomes are benefits that result from a program or activity. Outcomes typically relate to a change in conditions, skills, knowledge, status, etc. Outcomes could include improved quality or quantity of local affordable housing stock, improved or revitalized neighborhoods or improved quality of life for program participants. The City intends to require each subrecipient of federal funds to describe beyond quantitative accomplishments how their programs and/or activities provide a more comprehensive, far reaching level of improvement to each individual benefiting from the use of federal funds. Chapter 4: Strategic Plan Page 91 i i i i i i I i I Appendix A: i Public Outreach City of San Bernardino 2010-2015 Consolidated Plan Appendix A: Public Outreach Citizen Participation Process The City of San Bernardino 2010-2015 Consolidated Plan has been developed through a collaborative process involving participation by residents, service providers, and City staff. Two primary methods were used to solicit public input for the Consolidated Plan: A community meeting was held on January 21, 2010 in the Economic Development Agency Board Room. Participants were introduced to the Consolidated Plan process and asked to discuss community needs. Invitations and flyers were circulated to community groups and local service providers. A community survey, which assessed housing and community development needs, was distributed to residents and service providers. Surveys were made available at community centers and public counters, located online, and distributed at the January 21, 2010 community meeting. Overall, 142 residents and service providers responded to the Housing and Community Development Needs Survey. These surveys were analyzed and informed development of the needs and objectives in the Consolidated Plan. Community Meeting The City of San Bernardino conducted a community meeting to gather information and solicit input regarding community needs and priorities. Community Meeting Date: January 21, 2010 Time: 6:30 PM Location: Economic Development Agency, 201 North E Street, EDA Board Room In total, more than 15 residents and representatives of service provider agencies attended, in addition to the five Community Development Citizens Advisory Committee members. Service providers attending the Consolidated Plan community outreach meeting included: Appendix A: Public Participation A-1 City of San Bernardino 2010-2015 Consolidated Plan • Time for Change • A Servant's Heart Outreach • Central City Lutheran Mission • St. John's Success Center • Inland Fair Housing & Mediation Board • Apartment Association Greater Inland • Project Life Impact Empire • Universal Nursing Systems • OMNIP Following are the notes from the meeting: Priority Needs • Senior housing • Shelters • Fair housing for post-incarcerated persons o Questions regarding previous incarceration on applications for housing limit access to public and affordable housing for post-incarcerated persons Jobs creation and employment training are needed; potential jobs could be created out of CDBG projects, such as landscaping or minor construction • Housing Rehabilitation is needed, especially for single-family homes • Development of more multi-family housing and mixed-use/multi-purpose buildings is desired Solutions to homelessness are needed; a transition from homelessness into a permanent place is critical, including services available for the transition • Section 8 waitlist is complex and long, limiting access for many needy families • There is a general lack of accessible housing for disabled persons. The Inland Fair Housing and Mediation Board noted that in previous times, the most common fair housing complaint that they had was with regard to racial discrimination. Today the most common fair housing complaint is with regard to disability. There is a need for reasonable accommodations/modifications. Rental gap assistance to keep people in their homes (one month) would help people avoid homelessness • Counseling for families in crisis, homeless services (including health care), and services for youth are especially needed • Need for after-school programs (interesting and active); these programs can also provide needed jobs • Expand community centers to provide youth services • Need for permanent homeless shelter, with counseling and services connected to housing in a one-stop shop o Some existing housing opportunities in the City: • Veronica's House (transitional housing for 80 families) • Mary's Table (example funded with HOME funds) • Concerns regarding seniors and high property taxes • Need for mental health care and housing • Apartment Association —goal to operate ethnically and successfully offer o Know fair housing law, disability law fair housing class o Provides education forms '^ Appendix A: Public Participation A-2 City of San Bernardino 2010-2015 Consolidated Plan o Provides opportunities and legal advice • Foreclosures are a consistent problem in recent years • 90-day notice required by owner • Renter is last to hear, and often doesn't know whom to pay • Mediation is an option, cash for keys • There are many absentee owners/landlords. The City uses NSP funds to purchase abandoned homes, rehabilitate them, and sells them to lower-income households. • Nonprofit facilities are experiencing budget shortfalls and have a need for affordable space to support their provision of services • Need for community centers • Expand or consolidated youth/seniors • High tech • Adopt a grandparent • Maybe move parks and recreation • Senior nutrition/services are a continuing need • Need for nonprofit agency collaboration to offer consolidated services and partnerships; these connections, in addition to working with parents, high school students, and families support nonprofit missions and helps get more work done. • Homelessness is increasing as a result of foreclosures; approximately 5,000 foreclosures in the City since January 2008 0 2,700 homeless San Bernardino students o Emergency food need • Overcrowding is a continuing issue • Facelift neighborhoods • Jobs training • Safe houses needed for victims of domestic violence • HIV and Emergency Housing and Extended Care is needed o In coordination with connections/referrals from local hospitals (streamline) Appendix A: Public Participation A-3 City of San Bernardino 2010-2015 Consolidated Plan + L ` City of San Bernardino Housing, Community Needs, and Fair Housing Workshop Thursday January 21, 2010 6:30 p.m. The City of San Bernardino invites your participation in a workshop to discuss community development, housing, h fair housing issues The City of San Bernardino receives nearly $5.5 million annually from the federal government for housing, community development, and infrastructure projects. We need your input to help determine housing and community needs in your community for future funding. In addition, we invite you to discuss any fair housing concerns you may have. Fair Housing means equal access to housing regardless of race, color, national origin, ancestry, religion, sex, disability, familial status, marital status, source of income, or sexual orientation. This workshop will be held as part of the Community Development Citizens Advisory Committee meeting held at: City of San Bernardino Economic Development Agency 201 North E St. EDA Board Room (Third Floor) .if you require special arrangements,please contact the Economic Development Agency at(909)663-1044 Appendix A: Public Participation A-4 City of San Bernardino 2010-2015 Consolidated Plan SAN BERNARDINO COUNTY SUN 1ee tp-ope -p iW0NpEOR01A BLVD,3PN BFRNAROMe CAB2w1 TNKrune(WBI8W.B606 I Fer(80B)BBE1253 Lisa ConnprfShersoMaier ECONOMIC DEVELOPMENT AGENCY-CI SK#:17MM 201 NORTH E ST#301 CITY OF SAN BERNARDINO HOUSING,C UNITY NEEDS. SAN BERNARDINO,CA-92401 Td Foirm. rv"phrolho :ee .men Ting city of son d n aI rovltK roar portlawllo�I a wo 1ap ro aLCUK ny aev.opm•m, nW PROOF OF PUBLICATION n.1 BI.11 .l11111 Tnerci es.li uRin-chr vmii9n INeral Bavarnmem for nWCBIg, MIIm)nfry apveMement, nM idrKtru[lu s Is.We roes YWr input M help patterning nwnnpti and Sun d GNamla ) tiv Kgas In yw nitr Covnry deug BERNPAOINO )ss for Whom Wool". en oveltbn, we Who .%tlrop,KNo St,.Fair HW[I 1p NWw Type: ppNBB pOVEgNMFM PUBI1C IpTICE50 ..,he e. 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Thursday January 21,2010 iv Coledammv2L 201a 6:90 P.M. _ 1� The City of BaKBamartlino eseiles your Participation In a work op 1:tllecueacommunlly development,houeing,lnfair housingt g�� ¢ease The Clbr of San 130maldlno rensNes needy 35.5 million erdu try from as aeclslal govemmanl for ronsh , community, development,.and (rhash.mere model We need your input to onto dmerm no hods nC - apdcommust,nee dle In your community for future funding In scullion we lnvlla you to disenes any far housing concerns you mar rise Fall Hsu mFl mean..equal access to housing regerdlaes'al m color reshot forge,ancestry Rl goon:sex,a ssighty,famlllol status owns tillable,source of incpma sexual.,,.of lion This workshop will be held en pelt-of the Community pevelopmert U'(1'teens Advisory Commuted meel hall at City Of Bemnrdim, - Econam_IC Development Agency 201 North ESt. EDA Board Boom(Third Floor) - 'gyou :,nre.,o6el.... ..menln,paeseconledina Colncen11 evelopmon AgenaY lt(OWns 1p46 El Chicano Newspaper P.O.Box 6247 San Bernardino,California 92412-6247 Phare(909)381-9898.384-0406 FAX Appendix A: Public Participation A-6 City of San Bernardino 2010-2015 Consolidated Plan Community Survey As part of the 2010-2015 Consolidated Plan, the City of San Bernardino conducted a Housing and Community Needs Survey to access community opinions and concerns in seven needs categories: • Community Facilities • Community Services • Infrastructure Improvements • Neighborhood Services • Special Needs Services • Economic Development • Housing These needs categories were further divided into specific topics, such as "community centers" (from the Community Facilities category), "streettalley improvements" (from the Infrastructure category), and "senior services and activities" (from the Community Services category). For each category, the respondent was asked to indicate unmet needs that warrant expenditure of public funds by ranking each topic with a "priority need" level from Lowest to Highest need. In tabulating the survey results, "1" is used to denote the highest need and "4" to denote the lowest need. An average score was calculated for each need category; the lower averages (and closer to 1) represent the community's assessment of that category as more in need. A total of 143 surveys were returned. Table A-1 indicates the rank that each unmet need received. Development Table A-1: Community Needs Category ActivitieslPro rams Rank Fire Stations&Equipment 1 Youth Centers 2 Health Care Facilities 3 Community Facilities Park and Recreational Facilities 4 Libraries 5 Community Centers 6 Senior Centers 7 Child Care Centers 8 Anti-Crime Programs 1 Youth Activities 2 Health Services 3 Community Services Transportation Services 4 Mental Health Services 5 Senior Services&Activities 6 Child Care Services 7 Legal Services 8 Ownership Housing Rehabilitation 1 Housing Homeownership Assistance 2 Energy Efficient Improvements 3 Senior Housing 4 Appendix A: Public Participation A-7 City of San Bernardino 2010-2015 Consolidated Plan Table A-1: Community Development Needs Category Activities/Programs Rank Rental Housing Rehabilitation 5 Housing for Disabled 6 Fair Housing Services 7 Affordable Rental Housing 8 Housing for Large Families 9 Lead-Based Paint Test/Abatement 10 Street/Alley Improvement 1 Street Lighting 2 Code Enforcement 3 Infrastructure Water/Sewer Improvement 4 Flood Drainage Improvement 5 Sidewalk Improvements 6 Tree Planting 7 Small Business Loans 1 Job Creation/Retention 2 Economic Development Employment Training 3 Facade Improvements 4 Rehabilitation of Commercial/Industrial Properties 5 Centers/Services for Disabled 1 Handicapped Access in Public Facilities 2 Domestic Violence Services 3 Special Needs Services Substance Abuse Services 4 4 Homeless Shelters/Services 5 HIV/AIDS Centers and Services 6 Neglected/Abused Children Center and Services 7 Community Survey Comments The Community Survey also allowed respondents to provide written comments regarding community needs. Those comments are included below. • Teen Pregnancy • Having Code issue administrative citations some times does not get the property cleaned up. There needs to be a way that the City will go in and clean the property then charge the owner. Issuing a citation doesn't mean that the property will be brought up to code. The neighborhood is still suffering because of one property even though hundred and sometimes thousands of dollars in citation fees have been issued. The goal needs to improve the appearance of the neighborhood. • Fire protection in the north end is important! • Unranked items on my responses are deemed not to be priorities that the city should spend taxpayer money on. While noble and valuable, these areas are better served with private sector investment and assistance. • Carousel Mall needs to be rehabilitated to once again become the center of the down town area, making money for the city, not as a government building! • Community Building- Building the sense of belonging and engagement so essential to this city. Appendix A: Public Participation A-8 1 City of San Bernardino 2010-2015 Consolidated Plan f • We should concentrate on using our gifts and capacities rather than addressing our needs when looking to spend federal dollars. San Bernardino schools are suffering from lack of funding while our school district has an absurd number of superintendents who receive large salaries for doing essentially nothing. We are not seeing any benefits from having these people being in charge of our schools. • 1 feel it is important City acts upon professional suggestions to begin downtown's transformation into one representative of Sports University's online rendering of what SB Downtown is supposed to look like. Tear out that asphalt already, please :) ALSO: No mention in the survey of either the new transportation hub at 2nd & Mill, or the high speed bus service. Both very eagerly awaited :-) ALSO: Arrowhead Springs Resort - when we may start suggesting it as a venue for events ALSO: The importance of prioritizing the whole foods weekly distributions (with USDA Food Stamp Acceptance Approval). _ & I are working toward at ALL city community centers/senior centers, etc. We MUST begin to elevate ourselves to optimum levels. Kids on Pepsi, Pizza & Cheetos will NEVER thrive. Please, let's see 2010 become Year One for the wholesome fresh produce distribution network, available to ALL citywide r) xoxox—_ • We need to revive downtown San Bernardino in order to restore pride in our city's residents. • Gay, Lesbian, bisexual and transgender youth are our most at risk of at-risk youth. Rainbow Pride Youth Alliance is the only local nonprofit attempting to do something for these kids, with little community help. The city needs to consider these kids in developing and funding youth support programs. • Make available to those who are disabled: grants for "reasonable" home improvements (i.e.:to repair roofs, or other repairs that would strengthen the integrity of the homes structure, or to make the home more 'accessible'for the disabled / i.e.: non cosmetic repairs) AND PLEASE make the knowledge of HOW TO ACCESS these grants available to the publicM • Community based, as opposed to school based, youth programs and homework centers • Propaganda, a program to give our city a good name and to erase the negative feeling most have towards SB. This would enhance almost every program discussed in this survey. We need to make SB a desirable place to do business and to live. All property values would rise with a good propaganda program. • Appreciate the opportunity to give some input in the decision making process. • A: I would like to see a City tax on all monies sent out of this country. B: We should wage a city-wide war on ALL gang activity, including tagging. C: I would like to see other types of music at the Orange Show, instead of Rap and Rave. This venue used to showcase the best and brightest. There are way too many people going hungry in our city right now. Many of which are seniors and children. We need to support more charitable food distribution of offset the large amount of job losses etc. to good families. Nobody in America should be going hungry. • Communication with the Public(Available also in other languages) • 1 think there is a need to bring the residents together to build a feeling of community and pride in our city. More community events and more publicity for those events • We need to make all businesses that sale illegal drug related items i.e.: pipes, rolling papers etc. to be policed. The Smoke Shops have clients who are themselves or Appendix A: Public Participation A-9 City of San Bernardino 2010-2015 Consolidated Plan A know people who are on drugs or sale drugs. They sell bongs and crack pipes and I 7 don't like them in my neighborhood. •✓ • First of all, PLEASE learn how to spell the name of our city-it's SAN BERNARDINO- not SAN BERNADINO. This glaring errorjust makes the whole thing look bogus. • Listing from 1-10 isn't a true indication as so many are equally important and cannot properly be ranked. • I would like to see programs which encourage citizens to volunteer in needed areas and not just put all the responsibility on city government. • Ages 55 and up and disabled people need places to live that crime is low and they can be safe and can afford the rent. These people cannot work any longer while young people stay on Section 8 for years. It is those that can no longer be of use that are ignored. • JOBS JOBS JOBS DUH. STOP SPENDING MONEY ON PEDOPHILE DAY CARE for crack babies and get the people who live here jobs. Stop hiring people who live in other cities. • All homes that are boarded up something needs to be done to them they just create problems for the community, make them affordable to 1st time buyers and remodel them to look presentable. 80% of the time homeowners take more pride in the community • Political honesty, integrity and sincerity. A demonstrated interest in the public's needs. • The questions in this survey seem to perpetuate the whole blight, graffiti, homeless situation that we are already experiencing in SB. I would like to see SB returned to its old self. It has gotten so bad in the last few years and homeless shelters, Section 8 housing and housing for convicted felons are only increasing these issues. We need .� to start reversing the issues that SB faces and this includes making SB a city where people want to purchase property not just a place that property values are so low that anyone can afford housing. • What about increasing police services? We need to increase street officers. • Water conservation measures including assistance to owners to make water-wise improvements to landscape. • The need in this community is providing the youth in this community something to do rather than join gangs. Our area needs a boys and girls club, we need basketballs courts, tennis courts, activities for our youth to participate in. Movies or concerts in the park. Wildwood park is such a beautiful park but there is nothing going on there to bring families there to enjoy it. Business suffers because kids have nothing to do but shop lift. Kids need to be a good part of the community but here there is nothing to so them how. • No more low housing. Example: Waterman Gardens, it just brings more crime into San Bernardino • Although my zip code is 92346, I live in an area that is zoned into the City of San Bernardino. I definitely feel that the City needs to stop using funds to develop more low income housing and focus on using those funds to develop housing for seniors. • If you have monies that you want to know how to spend, maybe you have over taxed the citizenry. • The city should focus on gamering volunteerism and community pride - to change the culture and climate of San Bernardino- so civic pride must be restored. • Quit approving strip malls as there is already an over abundance of them and lots of vacancies. Be new business friendly instead of running new businesses out of town Appendix A: Public Participation A-10 City of San Bernardino 2010-2015 Consolidated Plan due to some of the ridiculous requirements and regulations. This town has really gone downhill in the 35 years I have lived here! • Weatherization programs. I see many houses that are in desperate need of new roofs, and with the price of roofing I can understand why they are not done. Not only would this beautify the city but it would make the city more energy efficient. • 1 feel that the homelessness in the city of San Bernardino should be addressed due to the fact that now complete families are becoming homeless due to the economy. This would help a lot of families if we were able to access low income housing for people who would not normally qualify for low income housing but due to the economy are now part of a one income family, such as myself. We also need affordable health care. Thank you for understanding the needs of the citizens of San Bernardino. • If you want to make San Bernardino a great city again, eliminate/greatly lower corporate taxes within the city limits and create a safe environment that businesses will want to come to and stay in San Bernardino. Then lower the sales tax to entice consumer revenue so people will come to San Bernardino to shop and spend money. Then lower the property taxes. This will start to revitalize the city making more people want to buy homes here. Then current homeowners will with their own money fix up their own houses, making the neighborhoods more attractive. This will make other people want to live here and buy houses, and shop and spend and work. Eventually this city will be as prosperous as it once was. Please do not spend it on programs that throw good money away and leave the residents with unsafe communities, pot hole ridden streets, empty buildings, foreclosed homes, unusable dirty unsafe parks, and an undesirable place to live and work. Let the private sector thrive instead of more city programs that help the special interests. Somewhere out there is a great man who will act in a selfless way, and serve this city uncorrupted. That man will be used by God in a great way and lead this city back to a great place to live. But until that great man comes, no spending on any programs except police, fire, street repairs, and enforcing the city, State and Federal Laws. It's time to buckle down and tighten our belts for a better future. • Repair roads • Four fireman on engines in 4th & 5th wards. • More patrols in the Verdemont Area, as more crimes are happening in this area. Have S.B.P.D. take reports no matter how busy they are, we still matter and pay taxes. • We also need to ask open ended questions in each of the neighborhoods to ask how can the city help reduce crime. • The city needs to focus on the north end area off the 210, particularly the Waterman Ave. exit area. Thousands of people get poor impressions of SB from that area while they are on their way to and from Lake Arrowhead, Lake Gregory, and Crestline. The lower crime rate, beautiful, well-maintained older homes, and established trees and landscaping in that area would make it much less expensive to rehabilitate that area than many other areas of the city. The city must convince Caltrans to improve the 'andscaping along Waterman Ave. and the police department should rid that exit of the constant presence of people begging for money. The empty ex-Stater Bros. building needs to be filled with a high-end store, not another Mexican market. I heard that Trader Joe's was interested in it. That would bring a lot of money into San Bernardino that is currently going to Redlands and Rancho, as well as give the North Appendix A: Public Participation A-11 City of San Bernardino 2010-2015 Consolidated Plan End a wonderful image update. Last but certainly not least, the abundance of ugly, old, crime-ridden, section 8 apartment complexes needs to be drastically reduced! • The city requires full time, full paid elected officials to represent and work on behalf of the residents. Staff is too focused on priorities set by a few inside City hall rather than the people. Full time Councilman will mean full time focus and results. • 1 really would like to see the City to complete a parks and recreation plan to implement parks and community services to underserved areas of the City. I live in the northern part of the City and there are no community centers in this area. • There needs to be more opportunities for recreation (especially an aquatic center, great than the CID)for physical rehabilitation and physical fitness I think there is a need to have more police on regular patrols. There is never any police presence in my neighborhood. Patrolling helps eliminate graffiti and vandalism. 1 believe that the highest priority should be establishing jobs and businesses in S.B. to create tax dollars for the public services help. Establish housing that is affordable, and help stabilize the loss of foreclosure. Some meetings to get ideas in how to solve the building and housing vacancy for efficiency. Maybe allowing assistance with new homeowners that reduce the empty house that usually has weeds growing and vandalized. Let's not plant trees and repair sidewalks until the major changes are made. Parents should be responsible for there children's activities but volunteer big brother programs and ideas prevent the city using funds for more important projects. Maybe creating support groups with people with hiv/aids and other medical needs could also save the city project money. We need to have a nice lunch meeting for the public and allow residents to express there vision's of what the real needs are which ones will take care of themselves, and where volunteers could solve problems that burden the city. I would love to eat a good lunch, pay 15.00 with other residents and share my ideas. I would like to rationalize my ideas of priorities and explain the reasoning. • Job development • Entertainment for our community and youth More Police to enforce the laws, panhandling, vagrancy, and squatters. More of the unused and abandon buildings torn down. Beautification of Highland Ave. and improvement of the look of the business. We need stricter civic laws that govern business and residential areas. We have enough low income housing; that is all we have! We need to attract industry which attracts and retains high paying professionals. What happened to using Norton Air Force Base as a shipping hub? Many residents "desperate for the American Dream" living in the City of San Bernardino lost their homes prior to all the "loan mod" activities and based on the restructuring of loans can afford to pay mortgages as they are now, but because of foreclosures can not get a home now. Given an opportunity a special program would assist these persons in stable jobs to once again obtain dream home with financial education classes and assistance from the city. I work in the social services field and have seen many families couch surfing with their families because they do not want to go the motel and would never go to the Salvation Army with their children. Some are too ashamed and live in outer motels using a great deal of their pay checks. These families would be a great asset to the community. The city should buy some of the houses, rehab them, turn them over to a non-profit like the IECAA churches, include renters insurance or whatever it takes to cover City's liability, include financial education, Civic government meetings; City Council, School Board meetings, Credit Union Meetings etc. a year long program at minimum creating Appendix A: Public Participation A-12 City of San Bernardino 2010-2015 Consolidated Plan points for community involvement with option-to-buy. 50 vested families strategically placed within the City of San Bernardino would make a difference Coldwell Bankers should jump on it- I see more blue and white signs falling down around the city than still standing - I bet the houses are taking a beating inside too or did they receive enough of our bailout money to weather the storm? If they are waiting 3 more years in hopes that they can come strong there may not be enough standing to build on. • A downturn in the market is a great time to develop, bolster and extend existing redevelopment plan areas. Also we should be developing strong planning elements that will better position our city for larger CDBG and transportation allocations in the future. With better funding, we can leverage our assets, resources, and political capitol to establish strong community partners. This will allow us to spread the maintenance obligations and to synergize program development. We need a strong downtown draw. By pushing facade programs, demolish grants (if we have them), and aggressively assembling land we can lay the ground for large marquee redevelopment projects. Transportation corridors are poor and cosmetically unappealing. Many funding sources can be used to address this issue. Last and most important, the city has completely failed in branding itself. Much work needs to be done here. • 1 have found it very disheartening that with the economic down turn our city has taken money away from our schools and removed teachers which crowed the class rooms even more so. I am stammered how when push comes to shove financially, money is easily obtained by cutting spending from other departments. Has any one thought to cut the mayors money or the money he gets to spend with in his own department. The last place money should be taken from is from our schools. This is of the highest priority to me. • We desperately NEED to give 40th Street a face lift. Sadly, San Bernardino has such potential due to its central location and it is quickly spiraling down. • Dilapidated/abandoned houses. Could these be rented by subsidies if only temporarily to avoid neighborhood blight. Appendix A: Public Participation A-13 City of San Bernardino 2010-2015 Consolidated Plan City of San Bernardino Community Needs Survey The City of San Bernardino receives approximately$5.4 million in federal funds each year for housing and community development projects.The City wants you to have a voice in how to invest this money.As you NI out this survey,please consider the following: 1) Consider the needs in your community and how they can be improved; 2) Rank the Importance level for each of the following items within the section,with a rehiring of 1 being the most important need. Please provide your ZIP CODE Senior(65f)?Y/N Do you have a disability?YIN Do you rent or own your home? In each section,use the blank space to the right of each item to rank in orderthe item that you feel is the most important in San Bernardino.(1 indicates the most important need,2 indicetesthe second most important need,etc.) Community Facilities Rank From 1-8 Community,Services Rank roml-9 Senior Centers Senior Services&Activities Youth Centers Youth Activities Child Care Centers Child Care Services Parks&Recreational Facilities Transportation Services Health Care Facilities AntiLnme Programs Community Centers Heath Services Fire Stations&Equipment Mental Heath Services Libraries Legal Services Housing Rank(From 1-10) Infrastructure and Rank(From 1d) aDrainane wrfiood Improvements Ownership Housing Rehabilitation raina a Ica rovement Rental Housin Rehabilitation Sewerl ro vement Homeownersh' Assistance Alle I ovement Affordable Rental Housn Li htin Housin for Disabled lkl rovements Senior Housin lantin Housin for La a Families nforcement Fair Housin Services l Needs Services Rank From 1-7 Lead-Based Paint TestlAbatement s/Services for Disabled Energy Eficiency Improvements apped Access in Public Facilities Economic Development Rank(From tfi Domestic violence Ser noes Small Business Loans Substance Abuse Services Job Creation/Retention Homeless ShelterslServices Employment Training HN/AIDS Centers&Services Fa(:ade Improvements Neglected/Abused Children Center and Services Rehabilitation of Commerciaglndustrial Please write in any needs that are not listed above or Properties include any comments you would like considered: Please return surveys by January 30,2009 to: Economic Development Agency,201 North E Street,Suite 301,San Bernardino,CA 92401 Far any Questions about these surveys,contact:Lisa Connor at(909)6631044 or at Iconna@ebrda.org Appendix A: Public Participation A-14 City of San Bernardino 2010-2015 Consolidated Plan Ciudad de San Bernardino Encuesta de Necesidades sobre Vivienda y Desarrollo Comunitario La Ciudad tle San Bernardino recibe calla afio aproximadamente $5.4 millones de Tondos federales Para proyedas de vivienda y desarrollo. La Ciudad dome qua usted tenga una voz an sal soda la major manors de invertir este dinero.AI Ilenar sate cuestionado,par favor considere to siguiente: 1)Cuales son Is necesidades de su comunidad y como se podrla mejorar em s3uaci6n. 2) Califique el rival de necesidad Para coda uno de los siguientes conceptos, empezando con at numero 1 Para idenbicar la necesidad mss importante. Porfavor,provea el c6digo postal de su msidencia: dEdad(95+)7 4Trene Usted alguna discapacidad7 SON_ LVive Usted an Casa propia o de rental En coda secd6n,ublice el espacio an blanco a to derecha de cada articulo Para indicar su order de importancia segun to qua usted piensa ser to into necedtado an San Bernardino.(1 indica la necesidad mss importante,2 indict Is segunda necesidad mss importante,etc.) Lugares ComunBarios Rango(de 1-8) Servicios Comunitados Ran go(de 1.9) Centros Pam Personas Ma ores Servicios Pam Personas Mayoras Centros Pam J6venes Achvidades Pam J6venes Centros de Cuidado InfanBl Servicios de Cuidado Infantil Par ues y Centros Recreativos Servicios de Tmns orte Centros Pam el Cuidado de Is Salud Pro ramas de Anti-Comen Centros Comunhados Servicios de Salud Estaciones de Bomberos y E ui o Servicios de Salud Mental Bibliotecas Servicios Legales Vivienda Rango(tle 1-10) Infraestructuray Mejorlas en Rango(de 1-7) Vecindados Rehabilitacidn para Vivienda Pro to Memories an el Demme Rehabilitaci6n istraVivienda de Renta Melodies an Ague]Ncantanhas Asistencia Pam Com mr Casa Mejoriasen Called Call Jones Vivienda Economics Pam Renta Iluminaci6n de las Callas Vivienda Pam Personas Discs acitadas Me'ortas en las Ban uetas/ACem Vivienda Pam Personas Ma ores Plantaci6n de Arboles Vivienda Pam Familias Numerous Enibrzamiento de C6di os Servicios de Vivienda Justa Necesidades Ea eciates Ran o tle 1.7 Examen/Disminuci6n de Pintum Centros/Servicios Pam Discapacitados Basada an Plomo Meiodas de Eficiencia de En to Accesos Pam Discs acitados Demnollo Econ6mico Ran o(de 1.5 Servicios contra Violencia Dom6stica Prestamos Pam Pe ueaos Comercios I Servicios Pam Abuso de Sustancias Creaciiin y Remncicin de Empkos Amparo/Servicios Pam Personas sin tL ar Entrenamiento am Em lea Centros Servicios de VIH/SIDA Melodies de Fachada Centros y Servicios Pam Nirlos Abusados Rehabilitaci6n de Propiedades Par favor escriba cualquier necesidad qua no haya sida Industriales/Comoro pies mencionada o incluyz cualquier comentario qua usted uiera ue sea consitlerado: Fawr tle entregar sails encuesta a tads carder el 30 de enero 2009 an: Agencia de Demorollo Econ6mico,201 North E Street,Suite 301,San Bernardino,CA 92401 Puede daigir sus preguntas/comemados sabre eats encuesta a:Lisa Connor al(909)663-1044 o Iconnor®sbrda org Appendix A: Public Participation A-15 City of San Bernardino 2010-2015 Consolidated Plan Community Development Citizens Advisory Committee Meeting The City of San Bernardino provided a draft of the Al to its Community Development Citizens Advisory Committee Meeting for their review and solicited comments, questions and feedback from the Committee. Community Development Citizens Advisory Committee Meeting Date: March 25, 2010 Time: 6:00 PM Location: Economic Development Agency, 201 North E Street, EDA Board Room The meeting began with a presentation of the City of San Bernardino Five Year Consolidated Plan and Analysis of Impediments to Fair Housing Choice to the five Committee members in attendance. This was followed by a question and answer session between the Committee, City Staff and Veronica Tam and Associates. The following two comments were received: • Foreclosure on Section 8 property owners is becoming a problem. Committee member is aware of Section 8 Voucher recipients who are being evicted with little notice because the property owner is in foreclosure and has not alerted the Voucher recipient. • Would like to see a senior recreation and service center built in the City. There is no space for seniors to have activities and services and San Bernardino is an aging community in need of senior services. Appendix A: Public Participation A-16 City of San Bernardino FY 2010 - 2011 Action Plan April 2010 City of San Bernardino Economic Development Agency 201 North E Street, Suite 301 San Bernardino, CA 92401 (P) (909)663-1044 (F)(909) 888-9413 City of San Bernardino FY 2010-2011 Action Plan Table of Contents ExecutiveSummary.................................................................................................................i Action Plan: One Year Use of Funds......................................................................................1 A. Citywide Priorities........................................................................................................1 B. Resources Available....................................................................................................2 C. Geographic Distribution...............................................................................................4 D. Service Delivery and Management.............................................................................4 E. Priority Investment Plan ..............................................................................................4 F. Planning and Administration......................................................................................28 G. Lead Based Paint Reduction Strategy ......................................................................28 H. Overcoming Barriers to Affordable Housing..............................................................29 I. Public Housing ..........................................................................................................31 J. Institutional Structure.................................................................................................32 K. Coordination..............................................................................................................33 L. Monitoring..................................................................................................................33 M. Specific Program Requirements................................................................................34 Table of Contents Page City of San Bernardino FY 2010-2011 Action Plan Executive Summary The City of San Bernardino has provided leadership in developing community strategies for providing decent, affordable housing, a suitable living environment and expanded economic opportunities for all households within the City. The City has developed viable partnerships with the private sector that include: financial institutions, real estate professionals, developers and private businesses. San Bernardino has also been at the helm in developing a strong collaboration with for-profit and nonprofit organizations to access federal and state programs to increase housing opportunities for low- and moderate-income households, eliminate blight, and provide necessary public support services for families or individuals in need of assistance, as well as address needed public facilities, infrastructure improvements and entice economic development activities. In 1974 the Housing and Community Development Act was passed by the United States Congress and signed into law, which created the Community Development Block Grant (CDBG) Program. In 1992 the U. S. Congress created the HOME Investment Partnership Act Program (HOME) to expand affordable housing opportunities for low and moderate income people. The City of San Bernardino is a Participating Jurisdiction and receives an annual formula allocation of funds under the CDBG program. These funds benefit low and moderate income neighborhoods and persons (with incomes up to 80 percent of the Median Family Income or MFI)' and aid in the prevention and elimination of slum and blighted conditions. The program is administered by the U.S. Department of Housing and Urban Development(HUD). The City's objective through the Community Development Block Grant (CDBG) program is to provide a viable urban community by providing decent housing, a suitable living environment, and economic opportunities principally for persons of low and moderate income. The City has detailed its approach for developing goals and objectives that will have a long-term stabilizing impact on City neighborhoods in its Five-Year Consolidated Plan, which was adopted in 2010 according to HUD requirements. Each year, the City prepares an action plan based on the entitlement grants it receives from HUD. For the 2010-2011 Program Year, the City will receive federal entitlement funds in the amount of$5,748,104 under the following programs: • Community Development Block Grant (CDBG) Program: $3,891,483 • HOME Partnership Investment Act(HOME) Program: $1,698,384 • Emergency Shelter Grant(ESG): $158,237 This Action Plan provides an explanation of the City's planned use of funds and serves as the City's annual funding application to HUD. The Plan includes the following components: • Citywide Priorities • Resources Available • Geographic Distribution • Service Delivery and Management ' The income limits used by the CDBG program are different from State of California income limits for programs funded with State funds or authorized by State legislation (such as the California Redevelopment Act). State housing programs usually extend assistance to households with incomes up to 120 percent AMI. Executive Summary Page ES-i City of San Bernardino FY 2010-2011 Action Plan • Priority Investment Plan • Planning and Administration • Lead Based Paint Reduction Strategy • Overcoming Barriers to Affordable Housing • Institutional Structure • Coordination • Monitoring • Specific Program Requirements This is the first Action Plan for the 2010-2015 Five-Year Consolidated Plan. A detailed discussion of the City's goals is also included. The City of San Bernardino encourages residents to become involved in the planning and implementation activities of the Annual Action Plan. The City involves its citizens in determining needs, issues and the designing of programs and activities to address those needs and issues. The City also coordinates the efforts of its City Departments to meet the identified housing needs, and utilizes housing programs and projects to create sufficient visual impact intended to stimulate additional private investment in the City's housing stock and diversified neighborhoods. As required by HUD, the City follows a Citizen Participation Plan in the planning and evaluation of programs contained in this Action Plan. Involving residents and stakeholders is necessary to accurately reflect the housing and community development needs of the City's residents. The City followed the Citizen Participation Plan outreach, noticing, and hearing requirements. This Action Plan has been developed through a collaborative process that included the participation of residents, service providers, and City staff. As part of the Action Plan development, the Community Development Citizen Advisory Committee (CDCAC) held a public hearing on January 21, 2010 to consider projects and activities for use of federal funds. The public hearing was held at the Economic Development Agency Board Room. In total, more than 15 residents and representatives of service provider agencies attended this meeting, in addition to the five Community Development Citizens Advisory Committee members. On March 25, 2010, the CDCAC held a public hearing to review the Draft FY 2010111 Annual Action Plan for CDBG, HOME, and ESG funds. On May 3, 2010, the City conducted a public hearing to receive oral and written comments on the draft 2010-2011 Annual Plan and adopt the Action Plan. The Draft Action Plan will be available for public review for a 30-day period beginning March 30, 2010 and ending April 30, 2010. The Draft Plan will be available at the San Bernardino City Hall public counter and the following public libraries: Norman F. Feldheym Central Library, Dorothy Inghram Branch Library, Howard M. Rowe Branch Library, and Paul Villasenor Branch Library. Comments received during the public review period will be incorporated into Appendix A. Executive Summary Page ES-ii City of San Bernardino FY 2010-2011 Action Plan Action Plan: One Year Use of Funds This Action Plan provides an explanation of the City's planned use of funds and serves as the City's annual funding application to HUD. The Plan includes the following components: • Citywide Priorities • Resources Available • Geographic Distribution • Service Delivery and Management • Priority Investment Plan • Planning and Administration • Lead Based Paint Reduction Strategy • Overcoming Barriers to Affordable Housing • Institutional Structure • Coordination • Monitoring • Specific Program Requirements A. Citywide Priorities The mission of the City of San Bernardino is to actively and aggressively improve, develop and maintain quality neighborhoods and provide housing opportunities throughout the City. The City has identified nine priority areas to pursue and focus on in the Five-Year Consolidated Plan (2010-2015). The nine priorities are: 1. Preserve and rehabilitate existing single-family dwellings. 2. Improve neighborhood conditions through code enforcement and abatement of dilapidated structures. 3. Expand homeownership opportunities and assist homebuyers with the purchase of affordable housing. 4. Provide rental assistance and preserve existing affordable rental housing. 5. Expand the affordable housing inventory through new construction. 6. Eliminate identified impediments to fair housing through education, enforcement, and testing. 7. Assist homeless and special needs populations with supportive services. 8. Improve and expand community facilities and infrastructure to meet current and future needs. 9. Promote economic development and employment opportunities for low and moderate income persons. Action Plan: One Year Use of Funds Page 1 City of San Bernardino FY 2010-2011 Action Plan The City's strategy is to effectively utilize and aggressively seek federal, state, redevelopment, local and private resources to operate and implement a number of programs to assist households in each of the nine Priority Areas. The following section summarizes all of the funding sources available to the City. B. Resources Available The financial resources expected to be available to carry out and implement projects and activities identified for FY 2010-2011 are summarized below in Table 1: Table r r Annual Program Resources Federal Sources Community Development Block Grant CDBG $3,891,483 CDBG Program Income $40,000 HOME Investment Partnerships Act HOME $1,698,384 HOME Program Income $2,700 Emergency Shelter Grant(ESG) $158,237 Neighborhood Stabilization Program(NSP) $8,400,000 San Bernardino Housing Authority Housing Choice Voucher Program $20,000,000 San Bernardino Housing Authority Public Housing $1,600,000 Total $35,790,804 Local Sources laftN Redevelopment Tax Increment Funds A roximatel $30,900,000 Redevelopment Housing Set-Aside $6,700,000 City General Funds and Stale Funds $20,100,000 Total $57,700,000 Non-Profit and For-Profit Sources Non-Profit Partners In-Kind Donations $2,800,000 Developer Investment $109,400,000 Private Lending Institutions $11,900,000 Total $124,100,000 i Note: 1. While the City's Redevelopment Project Areas generate large amounts of tax increment funds,significant portions of Nose funds have already been committed to existing bonds and other debt or are needed to make ERAF payments to the State. Available funds for upcoming projects are significantly less than shown. 2. The City will not apply for Rural Homeless Housing Funds because there are no rural areas located within the City. 1. Support of Applications by Other Entities During FY 2010-2011, the City will support the efforts of San Bernardino County agencies, non-profit and other entities in their applications for funding from all available funding sources. However, the City will not support agencies' applications, if such applications are not consistent with the City's 2010-2015 Consolidated Plan. The circumstances under which the City will not support such applications are: • There is no demonstrated ability by the applicant to carry out the activity/project in a timely manner. Action Plan: One Year Use of Funds Page 2 City of San Bernardino FY 2010-2011 Action Plan "' • Type of activity, size of proposed project, and lack of implementation plan to successfully complete and maintain the project. Table 2: U.S. Department of Housing and Urban Development CPD Consolidated Plan Support of Applications by Other Entities Report Funding Source I Support Application by Other Entities? Formu/a/Enatiement Programs ESG Y Public Housing Comprehensive Grant Y Com entive Programs HOPE 1 Y HOPE 2 Y HOPE Y ESG Y Supportive Housing Y HOPWA Y Safe Havens Y Rural Homeless Housing N Sec.202 Elderly Y Sec.811 Handicapped Y Moderate Rehab SRO Y Rental Vouchers Y Rental Certificates Y Public Housing Development Y Public Housing MROP Y Public Housing CIAP Y LIHTC Y 2. Leveraging Private and Non-Federal Funds Local funds will be leveraged to the greatest extent possible by using it as "seed money" or local match for programs funded by state or federal government and/or private enterprise. Financial assistance may be provided as grants or loans, and may include equity participation. 3. Matching Fund Requirements HOME Investment Partnerships Act(HOME) All participating jurisdictions must contribute or match 25 cents for each dollar of HOME funds spent on affordable housing. The HOME statute provides for a reduction of the matching contribution requirement under three conditions: 1) fiscal distress, 2) severe fiscal distress, and 3) for Presidentially-declared major disasters. When a local jurisdiction meets one of the above mentioned distress criteria, it is determined to be in fiscal distress and receives a fifty percent (50 percent) reduction of match. If a local jurisdiction satisfies both of the distress criteria, it is determined to be in severe fiscal distress and receives a one Action Plan: One Year Use of Funds Page 3 City of San Bernardino FY 2010-2011 Action Plan hundred percent (100 percent) reduction of match. The City continues to be 100 percent exempt from Matching Fund Requirements relative to the Federal HOME Program. Emergency Shelter Grant(ESG) Program In-kind resources and private donations will be utilized by the non-profit service providers with the ESG Grant. Other eligible public/private sources will be actively pursued when feasible. C. Geographic Distribution The City's EDA, administrator of the various federal programs and other redevelopment housing programs, will concentrate most of its housing rehabilitation and preservation programs and activities on a citywide basis through the Single-Family Beautification Loan/Grant Program and Mobile Home Maintenance Grant Programs for low- and moderate-income owners. Public services will be also provided on a citywide basis for eligible residents. Public facilities and improvement projects and code enforcement activities will target areas with 51 percent or more of low-and moderate-income persons. D. Service Delivery and Management The EDA has the lead responsibility for the development and implementation of the Consolidated Plan and annual Action Plans for the use of CDBG, HOME, and ESG funds. As the lead agency for implementing the City's Redevelopment Housing Implementation Plan, EDA coordinates the use of CDBG, HOME, and ESG funds, along with redevelopment housing set-aside funds to address the various housing issues in the community. These funds create single- and senior multiple housing and other identified special needs construction. The types of housing which will receive the greatest level of advocacy by the City will be housing for the elderly, handicapped, special needs populations and low- and moderate-income families. EDA will continue to focus on new construction, rehabilitation and special needs housing issues in FY 2010-2011. Numerous projects require the need to involve private developers, as well as non-profit developers, in order to enhance affordable housing in the City. The EDA is able to develop and implement agreements with developers and provide gap financing, construction financing, and silent Second Deeds of Trust for first time homebuyer programs. This is used in conjunction with the implementation of housing rehabilitation programs, grants for mobile home parks, infill housing, senior housing, and new construction in order to provide affordable housing opportunities in the City. EDA also coordinates with the various City departments and divisions (Fire, Code Enforcement, and Public Works), as well as nonprofit service providers to deliver the programs and activities outlined in this Action Plan. E. Priority Investment Plan Table 3 summarizes the programs and activities the City of San Bernardino expects to allocate federal funds and other resources to during fiscal year 2010-2011. Action Plan: One Year Use of Funds Page 4 City of San Bernardino FY 2010-2011 Action Plan r • 2010111 rrr • r Projects Program program Name Program Type Performance Dollars Fund Annual g Measure/Outcome T e Ob ective Code Compliance's Suitable 5,000 H-4 Neighborhood Code Living/Su stainability $1,727,646 CDBG properties Revitalization Enforcement SL-3 inspected Housing Decent H-5 Homebuyer Education Affordability Housing/Availability $480,000 HOME 300 persons (DH-1) Decent Fair Housing/LHousing/Landlord H-12 Tenant Program Fair Housing Housing/Availability $53,000 CDBG 150 persons DH-1 CDA Central City Lutheran Emergency $15,823 ESG 100 persons Mission-Winter Shelter Shelter CD-1 Foothill AIDS Project Emergency $16,800 ESG 20 persons Shelter CD-1 Frazee Community Emergency $12,000 CDBG 1 800 persons Center-Hot Meals Shelter $12,660 ESG CD-1 Mary's Mercy Center- Emergency $15,000 CDBG 4,458 units of Mary's Table Shelter $10,000 ESG assistance Rehabilitation/ Emergency CD-1 Renovation of Shelter $50,072 ESG 1 facility Eme enc Shelters CD-1 Salvation Army- Emergency ^ $17,471 ESG 1,000 persons [`✓ Hospitality House Shelter CD-2 Operation Grace Transitional $7,500 ESG 6 persons Housin CD-2 Option House,Inc. Transitional $15,000 CDBG 300 persons Housing $10,000 ESG Time for Change Transitional $15,000 CDBG C62 Foundation Housing Availability(SL-1)Suitable Living/ $10,000 ESG 65 persons CD-5 Al Shifa Clinic,Inc. Health Services $15,000 CDBG 800 persons CD-5 Assistance League of Health Services $12,000 CDBG 400 persons San Bernardino CD-5 Inland AIDS Project Health Services $10,000 CDBG 100 persons CD-5 San Bernardino Medical Health Services $10,000 CDBG 100 persons Center CD-6 Asian American Comprehensive $15,000 CDBG 350 persons Resource Center Services CD-6 Home of the Neighborly Comprehensive $15,000 CDBG 1,800 persons Services Services CD-7 Boys and Girls Club of Youth Services $5,000 CDBG 1,000 youth Redlands CD-7 Boys and Girls Club of Youth Services $15,000 CDBG 130 youth San Bernardino Central City Lutheran CD-7 Mission-Plaza Youth Services $12,000 CDBG 1,750 youth Comunitaria CD-7 Child Advocates of San Youth Services $12,000 CDBG 180 youth Bernard no County Action Plan: One Year Use of Funds Page 5 City of San Bernardino FY 2010-2011 Action Plan A Table 3 FY 2 1 1 'Proposed r ` 3 7ra gram Name Program Type Performance Dollars Fund Annua l Measure/Outcome T e Ob'ective n's Fund,Inc. Youth Services $12,000 CDBG 500 youth eduction ntion Team Youth Services $15,000 CDBG 40 youth Family and Youth Services $12,000 CDBG 100 persons n Instihdion CD-7 Project Life Impact,Inc. Youth Services $10,000 CDBG 900 units of assistance CD-7 San Bernardino National Youth Services $15,000 CDBG 300 youth Forest Association CD-7 Santa Claus, Inc. Youth Services $10,000 CDBG 14,000 units of assistance CD-7 Sinfonia Mexicana Youth Services $10,000 CDBG 20 youth CD-7 St.John's Community Youth Services $12,000 CDBG 120 youth Success Center CD-7 Youth Action Project Youth Services $15,000 CDBG 50 youth YMCA of San 1,500 units of CD-7 Youth Services $12,000 CDBG Bernardino assistance CD-8 Highland District Council Senior Services $15,000 CDBG 4,500 units of 1 on A in assistance CD-9 Legal Aid Society of San Legal Services $12,000 CDBG 370 persons Bernardino Services for CD-10 San Bernardino Sexual Victims of $12,000 CDBG 1,700 persons Assault Services Domestic Violence CD-11 Lorine's Learning Child Care $10,000 CDBG 85 persons Academy Services 1-1 Fire Equipment Leases Community $445,698 CDBG 1 lease Facilities 1 Street and Street 1-2 Lighting Infrastructure $464,417 CDBG 1 project Grow San Bernardino Economic ED-3 Fund SBA 7A Loan Develoment Economic $50,000 CDBG 2 businesses P p ram Opportunity/Availability Section 108 Loan Economic (EO-1) 475 jobs upon ED-6 Repayment Development $410,000 CDBG completion 17tnPublic Services Services Suitable Living/ $127 722 CDBG Availabili SL-1 ed Program $53,000 CDBG munity Housing lopment — $254,757 HOME nization CHDO Decent O Operations and Housing/Availability $84 919 HOME ci Buildin (DH-1) Other Housing _ $708,870 HOME -- P rams and Activities CDBG Planning and _ $210,000 CDBG — Administration Action Plan: One Year Use of Funds Page 6 City of San Bernardino FY 2010-2011 Action Plan Table 2010/11 Proposed Projects Program Program Name Program Type Performance Dollars Fund Annual g Measure/Outcome TvDe I Ob'ective - HOME Planning and _ $169,838 HOME - Administration - ESG Planning and _ $7,911 ESG - Administration Total FY 2010/11 Expenditures -- $5,748,104 The funding amounts in Table 3 are based on estimates from Fiscal Year 2009-2010 allocations. As of March 2010, the Fiscal Year 2010-2011 allocations were not yet available. The actual allocation amounts for Fiscal Year 2010-2011 could be revised by as much as 10 percent, according to HUD. Revisions to allocation amounts will adjust the objectives and funding assumptions in this Action Plan. The following summarizes the City's Strategic Plan priorities and identifies those FY 2010- 2011 activities that address these needs. Priority: Preserve and Rehabilitate Existing Single-Family Dwellings Program H-1: Mobile Home Grant Repair Program Although the compact nature of mobile homes generally reduces maintenance costs, the cost of maintenance as units age and deteriorate can overextend a lower or moderate income household's budget. The Mobile Home Grant Repair Program, supported by the Economic Development Agency and administered by NHSIE, provides grants up to $5,000 for mobile home repairs. Five-Year Objective: Estimated 100 mobile homes to be rehabilitated over the next five years, for an average of 20 units rehabilitated annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program H-2: Single-Family Beautification Loan/Grant Program The Single-Family Exterior Beautification Program assists homeowners who are occupying their dwellings and whose incomes do not exceed 120 percent of the median income. The program provides financial assistance of up to $15,000 to homeowners for exterior improvements to their property. As a condition of receiving this assistance, property owners are required to attend a "Preventative Maintenance" class conducted by one of the City's local non-profit partners, Neighborhood Housing Services of the Inland Empire (NHSIE). Five-Year Objective: Estimated 500 households to be assisted over the next five years, for an average of 100 households assisted annually. Funding: Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Action Plan: One Year Use of Funds Page 7 City of San Bernardino FY 2010-2011 Action Plan Program H-3: Elderly/Special Needs Minor Repair Grant Program (Old Timers Grant) The Old Timers Foundation, a local non-profit corporation, performs minor and emergency home repairs for low income homeowners (80 percent and below median income). Repairs cannot exceed $1,000 per housing unit. Seniors (60 years or older), disabled persons or recipients of SSI are eligible for this program. Qualified repairs include: plumbing (i.e., sink fixtures), replacing of doors, screens, and window glass, and minor electrical repairs. Outreach for the program is conducted at various Senior Centers throughout the City, and by word-of-mouth. Five-Year Objective: Estimated 425 households to be assisted over the next five years, for an average of 85 households assisted annually. Funding: Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Priority: Improve Neighborhood Conditions through Code Enforcement and Abatement of Dilapidated Structures Program H-4: Code Compliance's Neighborhood Revitalization As an older city, many of the City of San Bernardino's neighborhoods are experiencing signs of decline. Many of the City's low income neighborhoods have higher incidents of code violations. A number of factors influence this higher rate, including an older housing stock, a lack of return on income investment, and lower income residents with limited resources for housing maintenance. As a result, the Code Compliance Department has divided the City m+ into six revitalization areas that are located within low income census tracts. Two Code Compliance officers are assigned to each of the following areas: • Between West 14th Street on the north, West 13th Street on the east and North "K" Street on the west, and the 1-215 Freeway on the east. • West Baseline Street on the north, West 9th Street on the south, Western Avenue on the west, and North Mt. Vernon on the east. • 18th Street on the north, 13th Street on the south, North "D" Street on the west, and North Sierra Way on the east. • West King Street on the north, West Rialto Avenue on the south, North Mt. Vernon Street on the west, and North "K" Street on the east. • Between North Sierra Way on the north and West 40th Street on the south. • Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive. Code Compliance's Neighborhood Revitalization efforts work in concert with the Redevelopment Agency's Housing Revitalization Programs and the Preventative Maintenance and Homebuyer Education classes provided by Neighborhood Housing Services of the Inland Empire(NHSIE), one of the City's local non-profit partners. Action Plan: One Year Use of Funds Page 8 City of San Bernardino FY 2010-2011 Action Plan In addition to conducting property inspections, Code Compliance strives to improve the residential environment by demolishing the most blighted, substandard and hazardous buildings. The focal point will be on buildings that have been vacant for an extended period of time, have deteriorated and become a public nuisance and have lost their viability for reuse. Five-Year Objective: Estimated 25,000 properties to be inspected over the next five years, for an average of 5,000 properties inspected annually. FY 2010-11 Proposed Funding: $1,727,646 CDBG FY 2010-11 Proposed Accomplishment: 5,000 properties inspected Priority: Expand Homeownership Opportunities and Assist Homebuyers with the Purchase of Affordable Housing Program H-5: Homebuyer Education Some new homebuyers and existing owners are not properly informed of the responsibilities of homeownership and could greatly benefit from educational programs on credit, lending and home maintenance topics. The City contracts with Neighborhood Housing Services of the Inland Empire (NHSIE) to provide educational programs. Five-Year Objective: Estimated 1,500 persons to be assisted over the next five years, for an average of 300 persons assisted annually. FY 2010-11 Proposed Funding: $480,000 HOME FY 2010-11 Proposed Accomplishment: 300 persons Program H-6: Homebuyer Assistance Program (HAP) This program is designed to assist qualified first-time homebuyers with the purchase of a home within the City limits. Eligible properties can include condominiums, town homes, and single-family detached homes. The Homebuyer Assistance Program provides financial assistance (of up to 20 percent of the purchase price) that may go towards down payment and closing costs. The homes purchased under this program may be located in any census tract in the City, as long as the dwelling is used as the homebuyer's principal residence and the home remains affordable for a period of not less than forty-five (45) years. Five-Year Objective: Estimated 250 households to be assisted over the next five years, for an average of 50 households assisted annually. Funding: Redevelopment Set-Aside funds, Private funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Priority: Provide Rental Assistance and Preserve Existing Affordable Rental Housing Program H-7: Section 8 Housing Choice Voucher(HCV) program Under the Section 8 HCV program, low income families receive rental assistance in the form of a Voucher. Subsidy payments are made by the Housing Authority to property owners on Action Plan: One Year Use of Funds Page 9 City of San Bernardino FY 2010-2011 Action Plan behalf of the family. As of August 2009, there are 27,608 applicants on the Section 8 HVC waiting list countywide. Five-Year Objective: Estimated 2,250 households assisted annually. Funding: Section 8 FY 2010.11 Proposed Accomplishment: No specific accomplishment identified Program H-8: Multi-Unit Rental Senior Projects The Redevelopment Agency issued mortgage revenue bonds for the Highland Lutheran Senior Center(50 housing units) in 1996. The Agency continues to service the annual debt in order to ensure that not less than 50 percent of the units in this project are set-aside for very low income seniors. The covenant remains in effect for 30 years. Five-Year Objective: Continue to assist 50 households at the Highland Lutheran Senior Center. Funding: Section 8, Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program H-9: Public Housing The Housing Authority operates 684 units of conventional public housing in the City of San Bernardino. The Housing Authority conducts annual inspections of its units to determine a need for capital improvements under its Capital Fund program. As of August 2009, there are 15,758 applicants on the waiting list for public housing countywide. Five-Year Objective: Continue to assist 689 households annually through the public housing program. Funding: Public Housing Capital Fund FY 2010-11 Proposed Accomplishment: No speck accomplishment identified Priority: Expand the Affordable Housing Inventory through New Construction Program H-10: New Housing Development The Redevelopment Agency fosters relationships with for-profit and non-profit housing developers for the new construction of both market rate and affordable housing projects. The Agency leverages its resources with private capital in order to develop quality affordable homes for San Bernardino residents. The Agency will continue to pursue both rental and ownership housing opportunities for households with incomes up to 120 percent MR. Specific projects have not yet been identified for the upcoming five-year planning period; however, HOME funding was recently allocated to the Arroyo Valley Community Economic Development Corporation for the construction of three new homes and a "Community Garden" on Agency-Owned lots. The homes will be sold to income eligible homebuyers whose incomes do not exceed 80 percent MR. Five-Year Objective: Estimated 15 housing units to be constructed over the next five years, for an average of 3 housing units constructed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Action Plan: One Year Use of Funds Page 10 City of San Bernardino FY 2010-2011 Action Plan Program H-11: Senior Housing Development The City is committed to facilitating the development of new housing projects and maintaining the quality of existing housing for low income seniors. Five-Year Objective: Estimated 250 housing units to be constructed over the next five years, for an average of 50 housing units annually. Funding: Varies by project (see above for details) FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Priority: Eliminate Identified Impediments to Fair Housing through Education, Enforcement, and Testing Program H-12: Fair Housing/Landlord Tenant Program The City contracts with the Inland Fair Housing Mediation Board to provide education, dispute resolution, and legal advising services to San Bernardino owners, landlords, and tenants in com ict. Five-Year Objective: Estimated 750 persons to be assisted over the next five years, for an average of 150 persons assisted annually. FY 2010-11 Proposed Funding: $53,000 CDBG FY 2010-11 Proposed Accomplishment: 150 persons Priority: Assist Homeless and Special Needs Populations with Supportive Services Program CD-1: Emergency Shelters The City supports a number of non-profit agencies that operate emergency shelters for the homeless. Emergency shelters provide the most basic needs of safe shelter and nourishment, as well as drop-in services, counseling, medical treatment, transportation assistance, referrals to mental health and social service agencies, and assistance with finding appropriate permanent housing. Five-Year Objective: Estimated 200,000 units of assistance to be delivered over the next five years, for an average of 40,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Central City Lutheran Mission: The Mission operates an annual winter shelter for homeless men. It is currently the only place in the City of San Bernardino where homeless men are welcomed for the evening. Funds will be used for operations and maintenance. FY 2010-11 Proposed Funding: $15,823 ESG FY 2010-11 Proposed Accomplishment: 100 persons Action Plan: One Year Use of Funds Page 11 City of San Bernardino FY 2010-2011 Action Plan Foothill AIDS Project: Housing Case Managers work with clients to develop an individualized housing plan and a monthly budget that supports independent living in a stable living environment. HOPWA services include: tenant-based housing (San Bernardino County residents only), emergency hotel/motel vouchers, emergency rental and utility assistance, and emergency permanent housing grants. FY 2010-11 Proposed Funding: $16,800 ESG FY 2010-11 Proposed Accomplishment: 20 persons Frazee Community Center-Homeless Prevention and Hot Meals: Frazee operates three emergency shelters for men. The Hot Meals program provides food for those who need it and groceries for clients who have cooking facilities. Grocery items typically consist of cereal, powdered milk, potatoes, rice, beans, canned fruits and vegetables and bread. Hygiene items (tooth brushes, tooth paste, soap, shampoo, deodorant) are also distributed. Bus passes are given for emergency needs, as funds permit and clothing is provided to those who need. FY 2010-11 Proposed Funding: $12,000 CDBG; $12,660 ESG FY 2010-11 Proposed Accomplishment: 1,800 persons Mary's Mercy Center-Mary's Table: Mary's Table is a ministry of Mary's Mercy Center and is in its 20"'year of continuous service to the community of San Bernardino. It is a Hot Meal Kitchen that is open six days a week. Mary's Table offers hot meals, weekly food bags, showers four days a week, hygiene packets and clothes. The program also offers emergency infant needs, bus tickets/passes, referrals, and an annual Christmas Eve Party. FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG FY 2010-11 Proposed Accomplishment: 4,458 units of assistance Rehabilitation/Renovation of Emergency Shelters: This program will provide funding for some much needed rehabilitation of the City's emergency shelters. FY 2010-11 Proposed Funding: $50,072 ESG FY 2010-11 Proposed Accomplishment: 1 facility Salvation Army-Hospitality House: Hospitality House is an emergency shelter for homeless families and for mothers with children. During winter months, the shelter also accommodates homeless men. The facility has a total capacity of 70 beds and offers a 14- day emergency stay. FY 2010.11 Proposed Funding: $17,471 ESG FY 2010-11 Proposed Accomplishment: 1,000 persons Program CD-2: Transitional Housing Transitional shelters provide housing and needed resources (i.e., job training, money management, alcohol and drug rehabilitation, parenting classes, counseling) to help individuals and families re-establish independent living. These facilities also assist clients with finding permanent housing. Action Plan: One Year Use of Funds Page 12 City of San Bernardino FY 2010-2011 Action Plan Five-Year Objective: Estimated 75,000 units of assistance to be delivered over the next five years, for an average of 15,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Operation Grace: This program provides assistance in finding housing for low income women and families. The facility has a capacity of 5 beds. FY 2010-11 Proposed Funding: $7,500 ESG FY 2010-11 Proposed Accomplishment: 6 persons Option House, Inc.: Option House provides services to female victims of domestic violence and their children. Option House is organized to promote the health, safety and rights of victims of family violence; and to promote the education of the community by: 1) providing 24-hour emergency crisis intervention, temporary emergency shelter, food, clothing and support services to victims of family violence; 2) providing transitional housing to promote an independent and productive lifestyle to female violence and their children; and 3) providing community awareness of the widespread incidence of family violence through education and training programs. FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG FY 2010-11 Proposed Accomplishment: 300 persons Time for Change Foundation: Time for Change foundation provides transitional housing and reentry services to women who are homeless, ex-offenders and recovering from physical and substance abuse. These services are provided in a sober living environment that is conducive to establishing a healthy, drug free, crime free and positive lifestyle. Residents receive daily meals, job search assistance, assistance with legal documentation, referral to limited free health services and other public social services to assist them with job training and development skills. FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG FY 2010-11 Proposed Accomplishment: 65 persons Program CD-3: Rental Assistance Program The Rental Assistance Program is provided to individuals and/or families who must vacate their substandard and unsafe housing unit. The property owners are required to bring their housing units into compliance and their properties are inspected to ensure compliance. Under the Rental Assistance Program, the Redevelopment Agency assists the evacuated families with the required first month's rent and security deposit. The replacement rental unit must be in sound, sanitary, and safe condition and pass a City inspection. Five-Year Objective: Estimated 650 households to be assisted over the next five years, for an average of 130 households assisted annually. Funding: Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program CD-4: Utility Assistance Program Action Plan: One Year Use of Funds Page 13 City of San Bernardino FY 2010-2011 Action Plan Many lower and moderate income households must defer utility payments or avoid using utilities to afford critical items like health care and mortgage payments. The Utility Assistance Program assists San Bernardino City households that are at 50 percent of MFI with the cost of utilities. Five-Year Objective: Estimated 1,000 households to be assisted over the next five years, for an average of 200 households assisted annually. Funding: Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program CD-5: Health Services Lower income households often lack access to quality affordable health care. The City funds a variety of agencies that provide free or low cost medical services for lower income San Bernardino residents. Five-Year Objective: Estimated 7,500 units of assistance to be delivered over the next five years, for an average of 1,500 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: At Shifa Clinic, Inc.: The At Shifa Clinic provides psychosocial, medical, dental and some specialty care services, free of charge, to the indigent and underserved without regard to religion, ethnicity, and/or gender through a network of dedicated volunteer physicians, dentists, and specialists. Services include: Primary Care, Internal Medicine, Family Practice, Cardiology, Pulmonary, Women' s Health, Pediatrics, gynecology, Health Education, and Lab Services. The Clinic also provides dental services, such as dental hygiene services, clinical exam/medical history, dental x-ray, preventive dental care education, teeth cleaning and polishing, and fluoride treatment. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 800 persons Assistance League of San Bernardino-Children's Dental Center: The Dr. Earl R. Crane Children's Dental health Center is a non-profit organization dedicated to serving the children of San Bernardino since 1948. The Children's Dental Center provides complete professional dental services to the children of low to very low income families in the San Bernardino City Unified School District who do not have dental insurance and are not receiving public assistance. These families often have no other access to dental services. Patients pay only $25 per visit, but no qualified patients are ever turned away because of inability to pay. Each patient receives nearly$250 worth of dental work at each visit. FY 2010.11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 400 persons Inland AIDS Project: Established in 1983, the Inland AIDS Project (IAP) was the first non- profit to provide support services for residents of San Bernardino living with AIDS/HIV. Today IAP administers mental health, substance abuse, food, housing, case management, and health programs for men,women, children and families. Action Plan: One Year Use of Funds Page 14 City of San Bernardino FY 2010-2011 Action Plan FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 100 persons San Bernardino Medical Center-Pre and Post Natal Diabetic Clinic: The Pre and Post Natal Diabetes Clinic partners with the Diabetes Health Center as an affiliate of the California Diabetes and Pregnancy Program. The Program is designed to improve pregnancy outcomes for women who have diabetes during pregnancy and after birth through education. Health Care professionals are on-hand to provide supportive and complimentary services to ensure that women and children obtain and retain quality health. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 100 persons Program CD-6: Comprehensive Service Centers Lower income families and individuals can benefit from a variety of supportive services. Comprehensive service providers offer a range of programs that assist clients with their various transportation, nutrition, technology, childcare and education needs. Five-Year Objective: Estimated 175,000 units of assistance to be delivered over the next five years,for an average of 35,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Asian American Resource Center: The Asian American Resource Center provides City of San Bernardino residents with English as a Second language (ESL) and Job Training services to enhance their lives and create productive residents. The ESL/civic and Job Training serves all populations but it specifically designed to meet the basic linguistic and acculturation needs of immigrant families who are underserved, isolated, and whose basic goal is to build a better future. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 350 persons Home of the Neighborly Services: The Home of Neighborly Services provides positive cultural, recreational and educational experiences for individuals and families located within the City of San Bernardino. The center provides activities such as Girls and Boys Scouts, dance, boxing, aerobics and sewing. The center also has After School Learning Center where children are provided with tutoring and homework assistance. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 1,800 persons Program CD-7: Youth Services It is important for the young people of the City of San Bernardino to have the opportunity to engage in activities that enable them to develop self-esteem and reach their full potential. The City will use CDBG funds to support the following types of youth services and activities: • Character and leadership development Action Plan: One Year Use of Funds Page 15 City of San Bernardino FY 2010-2011 Action Plan • Education and career development Ons • Health and fife skills `d • The arts • Sports, fitness and recreation. Five-Year Objective: Estimated 20,000 units of assistance to be delivered over the next five years, for an average of 4,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Boys and Girls Club of Redlands-Waterman Gardens: For over forty years the Boy's & Girls Club of Redlands has been working with young people from disadvantaged economic, social and family circumstances. The Club, located at Waterman Gardens in San Bernardino, is dedicated to ensuring that disadvantaged youngsters have greater access to quality programs and services that will enhance their lives and shape their futures. The Club serves the community by providing access to a broad range of programs in the five core areas of Character and Leadership Development, Education and Career Development, Health and Life Skills, The Arts, and Sports, Fitness and Recreation. FY 2010-11 Proposed Funding: $5,000 CDBG FY 2010-11 Proposed Accomplishment: 1,000 youth Boys and Girls Club of San Bernardino: For over forty years, the Boys and Girls Club of San Bernardino has been in the forefront of youth development, working with young people from disadvantaged economic, social and family circumstances. The Club has sites in several areas and actively works to enrich the lives of girls and boys. The Club is dedicated to ensuring that our community's disadvantaged youngsters have greater access to quality educational enhancement and life skills enriching programs and services that will enhance their lives and shape their futures. Program provides comprehensive mentoring and tutoring designed to further enhance the math, reading, and writing skills of children in grades K through 12. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 130 youth Central City Lutheran Mission-Plaza Comunitaria: This program targets bilingual Latino youth (0-18 yrs) coming from mono-lingual homes, CCLM's Plaza Comunitaria will develop bridges for dialogue assisting monolingual homes to develop parenting skills, increase school retention, improve diets and reduce engagement with the juvenile justice system. Workshops, cultural events, after school tutoring programs and youth events during non- traditional hours will provide opportunities for families to have common social times, support groups and provide youth with safe social spaces for seeking guidance and support. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010.11 Proposed Accomplishment: 1,750 persons Child Advocates of San Bernardino County: Child Advocates of San Bernardino County is a CASA (Court Appointed Special Advocates) organization that advocates on behalf of abused children by: 1) appointing CASA volunteers to serve as a consistent and stable Action Plan: One Year Use of Funds Page 16 City of San Bernardino FY 2010-2011 Action Plan presence for foster youth who are too often overwhelmed by a rotating cast of caseworkers, foster parents, clinicians, and other professionals; 2) Providing connections to other resrouces for academic assistance, job skills and training, faith institutions, counseling and legal support; 3) Being a positive role model — helping the youth form healthy relationships with adults they trust; 4) Advocating in the court room, educational, and health care systems; and 5) Bringing a source of happiness into the youth's life that can foster normalcy in childhood experiences. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 180 youth Children's Fund, Inc.: Children's Fund's mission is "to ensure that at-risk children who are abused, neglected, impoverished, or abandoned receive adequate food, shelter, clothing, medical care and education'. The Daily Referral program is the engine through which Children's Fund meets the emergency needs of at-risk youth. The program receives requests from case managers and social workers in behalf of at risk children. As a safety net, Children's Fund provides vital services that are not immediately available from other County or community agencies. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 500 youth Gang Reduction Intervention Team (GRIT): The Gang Reduction Intervention Team's (G.R.I.T.) provides Interaction/Awareness Classes & Upward Bound Reentry Training. Classes are 14-weeks, two-hour classes, twice a week. Topics include: Anger Management, Gang Intervention, Life Skills, Intuitional Debriefing, Sexually Transmitted Disease, Realities of Prison Life, Weapons Diversion, Drug & Alcohol Awareness, Teen Pregnancy Prevention & Education and Cardin Pulmonary Resuscitation Training & Certification. Enrichment trips provided range from visiting a DJJ Correctional Facility, local Universities, beaches and mountains. The Upward Bound Reentry component is initiated within the Herman G. Stark Youth Correctional Facility in Chino California. This is a six month commitment ordered by the DJJ Parole Board prior to the youth being released. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 40 youth Knotts Family and Parenting Institution-Mentor A Life: The Mentor A Life program is designed to connect individuals who can provide positive and healthy relationships. These relationships will assist at-risk youth with the development of behavior change, life, social and interpersonal skills. The program assists foster youth in achieving excellence and becoming citizens that contribute positively to society. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 100 persons Project Life Impact, Inc.: Project Life Impact's After School Impact (ASI) program provides safe and supervised after school programs for students from K-12" grade. Project Life Impact is an official CAPS Program Provider for the San Bernardino City Unified School District. The organization services students from three elementary schools and two high schools. Students receive a nutritious snack and are provided with daily homework support. The program promotes academic achievement in curricular areas, increases daily student Action Plan: One Year Use of Funds Page 17 City of San Bernardino FY 2010-2011 Action Plan attendance rates, reduces student suspension and expulsion rates and develops both 3 positive student behavior and cooperative skills. VVV FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 900 units of assistance San Bernardino National Forest Association: The overall goal of the San Bernardino National Forest Association's Urban Youth Conservation Corps is to prevent and/or intervene early in drug and gang violence among at-risk youth (ages 15 through 19 years old) who live within the City of San Bernardino. This is achieved through weekly job readiness training and paid conservation work activities in the community, as well as on the National Forest. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 300 youth Santa Claus, Inc.: Santa Claus, Inc. provides new toys, clothing, books, and quality educational materials for over 14,000 local underprivileged children at Christmas. Eligible parents are identified as families of the working poor primarily by the San Bernardino Unified School District. Invitations are sent to parents to "shop for free"at its warehouse. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 14,000 units of assistance Sinfonia Mexicans: The Academy offers an extracurricular musical education to middle and high school students. These mariachi music classes are taught by professional and student instructors at the Sinfonia Mexicana Mariachi Academy. The Academy presents quality traditional mariachi music and fosters the development of original musical work. In addition to teaching musical skills, this program also emphasizes the importance of a higher education and fosters strong leadership skills among its participants. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 20 youth St. John's Community Success Center-Project Safe Space: Project Safe Space offers a safe site where children can come together, explore new crafts and skills, and develop positive social skills supervised by caring adults. Safe space offers supervised activities for off track and vacationing students of all ages. Students focus on physical activities both inside and outside. Physical activities include tether ball, badminton, bocce balls; ping pong, hula hoops, group games; quiet activities are board games, reading, videos, yarn work, and a craft room where paint, paper, simple projects, chalk, play dough and a piano invite children to use their imaginations. Children are encouraged to help plan activities such as crafts, cooking projects, and theme days. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 120 youth Youth Action Project: Youth Action Project works to empower San Bernardino's youth by providing opportunities that allow youth and young adults to develop the skills and habits needed to experience economic and social successes. Youth Action Project trains 50 AmeriCorp volunteers who in turn provide tutoring and coaching to local high school Action Plan: One Year Use of Funds Page 18 City of San Bernardino FY 2010-2011 Action Plan students needing extra assistance to pass the California High School Exit Exam. Additionally, members facilitate workshops and community-benefit projects. FY 2010.11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 50 youth YMCA of San Bernardino: The YMCA offers financial assistance for programs offered at the YMCA for families in the community that cannot afford to pay for such programs. The YMCA will focus on the healthy lifestyle for the community by offering sports, fitness, aquatics and afterschool programs for those who live in the City of San Bernardino. Adult classes include: open lap swim, water aerobics, swim lessons, fitness center, yoga, and karate. Senior classes include: aqua gym, water aerobics, silvershplash, twinges and hinges, open lap swim, fitness center, yoga/tai chi, country line dancing, and yoga stretch. Youth classes include: swim lessons, bymnastics, karate, dance, t-ball, soccer, basketball, and preschool site. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010.11 Proposed Accomplishment: 1,500 units of assistance Program CD-8: Senior Services Seniors are some of the City's most vulnerable residents. The County will use CDBG funds to support the following types of senior programs and services: Transportation assistance • Nutrition and meal programs • Recreational, educational and social opportunities • Information and referral services Five-Year Objective: Estimated 4,500 units of assistance to be delivered over the next five years, for an average of 900 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Highland District Council on Aging-Senior Center: The Highland Senior Center is a very large and active senior center that provides a wide variety of Social, Educational, Physical, Nutritional and Transportation services to the senior population of the City of San Bernardino. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 4,500 units of assistance Program CD-9: Legal Services Every San Bernardino resident is guaranteed access to the judicial system and has certain rights and privileges that are recognized and protected regardless of ability to pay. Access to legal services empowers clients by giving them the tools; i.e., the legal documents and procedural information, needed to seek solutions through court orders. These services improve the lives of clients by helping them resolve domestic dispute, seek financial stability, Action Plan: One Year Use of Funds Page 19 City of San Bernardino FY 2010-2011 Action Plan and access the healthcare, dental, and developmental services needed for themselves and their minor dependents. Five-Year Objective: Estimated 1,750 units of assistance to be delivered over the next five years, for an average of 350 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Legal Aid Society of San Bernardino: Legal Aid provides free access to justice for the area's most unfortunate residents, families barely subsisting, who would otherwise have no means of legally resolving conflicts as to parental rights, child custody, visitation, and support or restraining orders. Legal Aid offers residents access to legal counsel, document preparation for family law, guardianship and conservatorship actions, education, and procedural assistance at each step of the legal process. Through this program, clients are educated on their rights and responsibilities. They are able to make more informed decisions, to take legal action to resolve conflicts, and to take proactive steps toward a more self-reliant, stable home life. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 370 persons Program CD-10: Services for Victims of Domestic Violence Victims of domestic violence often require a variety of supportive services before they can transition back to living independent, self-sufficient lives. These services include immediate crisis intervention, follow-up services, one on one counseling, accompaniment and advocacy services. Five-Year Objective: Estimated 1,000 units of assistance to be delivered over the next five years, for an average of 200 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: San Bernardino Sexual Assault Services: San Bernardino Sexual Assault Services core programs provide understanding and support to victims of sexual assault/domestic violence through immediate crisis intervention, one-on-one counseling, hospital/court accompaniment, and advocacy services. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 1,700 persons Program CD-11: Child Care Services All families with children, regardless of income, deserve an opportunity to work and attend school with the assurance that their children are in a safe and comfortable learning environment. Quality affordable child care is therefore a critical need for all families in San Bernardino, especially for single-parent households whose child care options are more limited. The City will use CPD funds to support programs that provide children with a high quality developmental program, one that teaches skills that go beyond learning to read and Action Plan: One Year Use of Funds \ �J Page 20 City of San Bernardino FY 2010-2011 Action Plan write at an early age, and a stimulating environment that offers opportunities to explore, create, examine and question without concern for judgment, disapproval or criticism. Five-Year Objective: Estimated 10,000 units of assistance to be delivered over the next five years, for an average of 2,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Lorine's Learning Academy: Lorine's Learning Academy provides a day care center that services infants, pre-schoolers and elementary school children. The Academy is located in a residential area, in proximity to it participants, where parents can make one stop in the morning and drop off their children. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 85 children Priority: Improve and Expand Community Facilities and Infrastructure to Meet Current and Future Needs Program 1-1: Fire Equipment Leases The City of San Bernardino Fire Department serves a resident population of approximately 202,000 and covers a diverse service area of 59.3 miles. This service area covers approximately 19 miles of wild land interface area, a major rail yard, an international airport, the County Seat, a jail, two major mall complexes, and three major interstate freeways (10, 215 and 210). Currently, the Department staffs twelve fire engine companies, two aerial truck companies, one heavy rescue, five 4-wheel drive brush engines, one hazardous material response rig and one medic squad housed in twelve stations throughout the City. Fire Stations No. 221, 222, 224, 229, and 231 serve the City's low and moderate income areas (Figure 1). The City will use CDBG funds for the payment of fire equipment leases that serve the low and moderate income areas. Five-Year Objective: Continue to support fire services for low- and moderate- income areas. FY 2010-11 Proposed Funding: $445,698 CDBG FY 2010-11 Proposed Accomplishment: Payment of 1 fire equipment lease for low-and moderate-income areas. Program 1-2: Street and Street Lighting Street and street lighting projects include efforts to extend and widen streets, street resurfacing, construction of curbs, gutters, sidewalk, handicap ramps, bikeways, right of way acquisition and street lighting systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential Street and Street Lighting projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Accessibility Improvements at various locations Action Plan: One Year Use of Funds Page 21 City of San Bernardino FY 2010-2011 Action Plan • Street Safety Improvements at various locations • Pavement Rehabilitation at various locations • Bus Stop Concrete Pads at various locations • Grade Separation at various locations • Street Widening at various locations • Streetlight Poles and Electric Systems Replacement at various locations • Traffic Calming Measures at various locations • New Road Construction at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: $464,417 CDBG FY 2010-11 Proposed Accomplishment: 1 project Action Plan: One Year Use of Funds Page 22 City of San Bernardino FY 2010-2011 Action Plan Figure 1: Low-Mod Fire Service Areas City of San Bernardino • • • Fire Service Areas s a'a E•w 5 �n wv M1 `^ S } 88 ea,L..W.r z• � � I !r � uv w vW nwrvw r �I3uYaN wae�. m.-wed m iixmw..9ln�n Hasa m ;nn xonn6eydg9a,o-lr< .. a9,+?+. SN I%tS xe FYm) 6)96%.. }S3 IYtMtli pin 13)M �>a umwlwq. mzsa_ N SI) ffi tlM1 e, 37� " OI 3MEIY�19s! _ 66fl4 � ..� Ovn Mewe Lt6a x_lG)]lf@3YmwMaEM'ewe/1655 lel.n_J NOnenW 9J6 ^° -"- SII 4gtV.NeMII WaY 101b !R �59N9im Mewe S69Aa Action Plan: One Year Use of Funds Page 23 City of San Bernardino FY 2010-2011 Action Plan Program 13: Sewer Sewer projects include efforts to increase system capacity for new users, replace aging or obsolete systems and meet new regulatory requirements. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential sewer projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Sewer Main Extensions at various locations • Sewer Manhole Rehabilitation at various locations • Sewer Siphon Flushing at various locations • Sewer Main Replacement at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program 1-4: Storm Drain Storm drain projects include efforts to install new storm drain systems (per the City's Comprehensive Storm Drain Master Plan) and replace aging or obsolete systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential Storm Drain projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Storm Drain Installation and Rehabilitation at various locations • Storm Drain Realignment at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program 1-5: Traffic Control Traffic control projects include efforts to install new traffic signals, add traffic striping, and replace aging or obsolete traffic control systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which of the projects will be funded and ultimately completed. The following is a list of potential Traffic Control projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Traffic Signal Upgrades at various locations • Traffic Signal Interconnections and Synchronization at various locations • Bike Path Installations at various locations • Traffic Signal Installations at various locations • Upgrade to Fluorescent Signs at various locations 13 Action Plan: One Year Use of Funds Page 24 City of San Bernardino FY 2010-2011 Action Plan • Installation of Solar-Powered Speed Signs at various locations • Installation of Pedestrian Signals at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program 1-6: Parks and Recreation Parks and recreation projects include the maintenance and upgrade of parks, game courts and fields, fielding lighting, recreation buildings, Park's restroom buildings and playground equipment. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which of the projects will be funded and ultimately completed. The following is a list of potential Parks and Recreation projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Tree Plantings at various locations • Replacement of Equipment at various Community Centers Design and Engineering Services at various locations • Expansion and Renovations at various Senior Centers • Soccer Field Construction at various locations • Restroom Renovations at various locations • Fencing and Lighting Upgrades at various locations • Concrete and Lighting Installations at various locations • Hiking and Exercise Trail Construction at various locations • Irrigation System upgrades at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Priority: Promote Economic Development and Employment Opportunities for low and moderate income households Program ED-1: San Bernardino Library Literacy Program The San Bernardino Library Literacy Program provides free, individualized literacy services and materials to residents in a non-threatening, confidential, student-centered environment, in order to equip participants with life-long learning skills and prepare them for personal, family, career and community success. One-on-one tutoring and small group sessions are offered by trained volunteers to qualified adult learners in areas of basic reading, math, spelling and computer literacy. Five-Year Objective: Estimated 250 persons to be assisted over the next five years, for an average of 50 persons assisted annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 Action Plan: One Year Use of Funds Page 25 City of San Bernardino FY 2010-2011 Action Plan w FY 2010-11 Proposed Accomplishment: n/a • % Program ED-2: Inland Empire Small Business Financial Development Corporation (IESBFDC) Loan Guarantee Program The Loan Guarantee Program is designed to assist small businesses that need additional support in the form of a guarantee to induce a lender to lend. The program places special emphasis on women and minority-owned businesses, as well as businesses located in designated enterprises zones. To be eligible, business must: (1) be unable to obtain financing without the guarantee, and (2) demonstrate repayment ability with adequate collateral support. Guarantees can be issued on short term loans, revolving and contract lines of credit, term loans for asset purchases, purchases of existing businesses, or for establishing a new business. Five-Year Objective: Estimated 25 businesses to be assisted over the next five years, for an average of 5 businesses assisted annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program ED-3: Grow San Bernardino Fund SBA 7A Loan Program The SBA 7A-Grow America Fund Program provides loans to small businesses. This program is available countywide and can provide 100 percent financing for up to $1 million. The program provides long-term, fixed-rate financing which may be utilized for property acquisition, construction, building renovations or leasehold improvements, debt refinancing, capital equipment and working capital. Repayment ability from cash flow of the business is a primary criterion in the loan evaluation, but good character, management capability, and collateral are also important considerations. Eligible business must demonstrate at least three years of profitable operation, good liquidity, and a satisfactory debt-to-equity ratio. Five-Year Objective: Estimated 10 businesses to be assisted over the next five years, for an average of 2 businesses assisted annually. FY 2010.11 Proposed Funding: $50,000 CDBG FY 2010-11 Proposed Accomplishment: 2 businesses Program ED-4: Business Incentive & Downtown Revitalization/ Fagade Program The Business Incentive Grant Program assists business owners, tenants, and property owners to enhance the "curb appeal' of their business storefront by providing funds to complete exterior improvements. The program also provides grants to help business owners retain their current employment levels or expand their current employment levels. The program offers grants reimbursements that are not-to-exceed $10,000. The applicant will be required to match this grant dollar for dollar and will be reimbursed at the completion of all pre-approved improvements. Five-Year Objective: Estimated 125 businesses to be assisted over the next five years, for an average of 25 businesses assisted annually. Funding: Redevelopment Set-Aside funds, Private funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program ED-5: Utility User's Grant Program Action Plan: One Year Use of Funds Page 26 City of San Bernardino FY 2010-2011 Action Plan The Business Utility User's Tax Rebate Program rewards new and expanding businesses who create jobs, increase sales tax revenues, or increase property values by refunding a percentage of the City's utility taxes paid on electrical, gas, cable, and telephone services to operate their businesses. Five-Year Objective: Estimated 10 businesses to be assisted over the next five years, for an average of 2 businesses assisted annually. Funding: Redevelopment funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program ED-6: Section 108 Loan Repayment In 2006, the City, its Redevelopment Agency, and HUD executed Section 108 loan documents for an award of $7.5 million. The loan was utilized for the acquisition of 22 blighted and socially problematic four-plex apartment dwellings in the North Arden Guthrie Area. Together with other redevelopment funds of approximately $7.5 million, tenants have now been relocated into safe and sanitary housing, the structures demolished, and the land will be made available to a master developer (Home Depot) for the purpose of constructing a retail commercial center. The City is currently renegotiating a HUD Section 108 Loan for the 20-Plex movie theater (formerly known as the CinemaStar) in the amount of $9 million to repay the original HUD 108 Loan of $4.6 million and provide necessary funds for new technology upgrades and remodeling by Maya Cinemas North America, Inc. The Project will include: new furniture and fixtures, carpeting, tile, counter-tops, paintwork, new seating, new digital projection equipment, movie screens and sound equipment, correction of American with Disabilities Act deficiencies, expansion of the main lobby and installation of equipment and expansion of one I-Max auditorium. The term of the Section 108 financing will be seven years with interest only payments. Five-Year Objective: Estimated 475 jobs created/retained upon completion of projects. FY 2010-11 Proposed Funding: $410,000 CDBG FY 2010-11 Proposed Accomplishment: 475 jobs created/retained upon completion of projects. Program ED-7: California Theatre The Redevelopment Agency owns and contracts out the maintenance of the Historic California of the Performing Arts Theatre (the "Theatre"). The Agency is currently in the process of conducting a series of renovation improvements for the Theatre. The improvements include, but are not limited to the following items: installation of a fire protection sprinkler system, structural support system for front entry and installation of a pull pipe system. This project will facilitate the creation, promotion, and retention of over 1,400 employment opportunities. Five-Year Objective: Estimated 1,400 jobs created/retained upon completion of renovations. Funding: Redevelopment funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Action Plan: One Year Use of Funds Page 27 City of San Bernardino FY 2010-2011 Action Plan Program ED-8: Redevelopment Agency Activities The Agency undertakes numerous marketing activities designed to enhance the image of the community and attract new development expanding both employment opportunities and the tax base. Activities include the production of print marketing materials, advertising and public relations activities in the printed media, representation of the Agency at targeted trade shows and exhibitions and the production of a weekly, business oriented, television show targeted towards the business community. Five-Year Objective: Estimated 2,500 jobs created/retained over the next five years, for an average of 500 jobs created/retained annually. Funding: Redevelopment funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified F. Planning and Administration During the upcoming five-year Consolidated Plan period, the City will continue to administer the CDBG, HOME and ESG programs in compliance with program regulations and requirements. Up to 20 percent of CDBG funds can be used by the City to support the general administration of the CDBG program. G. Lead Based Paint Reduction Strategy The City's Lead Based Paint Hazard Reduction Strategy can be summarized as follows: (1) Coordinating public and private efforts to reduce lead-based paint hazards and protect young children; (2) Integrating lead hazard evaluation and reduction activities into existing housing programs; (3) Public awareness through educational materials and programs; and (4) Education and advocacy and (5) lead base eradication to the extent finances are available. The City currently integrates lead hazard evaluation and reduction activities into existing housing inspection and rehabilitation programs. The Economic Development Agency (EDA) provides referrals to and works cooperatively with the County's Lead-Based Paint Removal Program to coordinate efforts to reduce lead-based paint hazards through testing. The County also receives funds from the State Department of Community Services for the development of education and to raise awareness of lead-based paint. Additionally, educational materials are provided to residents through the San Bernardino Redevelopment Agency's Rehabilitation Program, which informs residents of lead hazards, as well as how to get tested, report, and remove the hazard. The Agency is also remediating and stabilizing 80 percent of rehabilitated properties by the removal or encapsulation of lead-based paint. 9 Action Plan: One Year Use of Funds Page 28 City of San Bernardino FY 2010-2011 Action Plan H. Overcoming Barriers to Affordable Housing The City recently undertook a major effort to eliminate constraints, with respect to land use regulations, by developing and adopting a new Zoning Code that unified and simplified the City's development regulations and processes. That effort was followed by a reorganization of the City to unify the various development-related departments into a single Development Services Department and a one-stop permit counter. Moreover, the City is in the process of making the following additional amendments to the Municipal Code in order to further reduce barriers to affordable housing: Corridor Improvement Program The City will facilitate investment and intensification along its underutilized corridors by codifying the development and lot consolidation incentives proposed in the General Plan Land Use Element Corridor Improvement Program. The four Corridor Strategic Areas, Mount Vernon, E Street, Baseline, and Highland, are generally characterized by underperforming strip commercial, vacant or underutilized parcels, deteriorating structures, and inconsistent facades and signage. The Corridor Improvement Program is an optional package of policies, regulations, and incentives intended to stimulate investment and development in the Corridor Strategic Areas. While the underlying land use designations still apply, the property owner may request, and the City may choose to apply, aspects of the Corridor Improvement Program necessary to achieve the desired results. Key incentives include: allowing increased densities for housing and mixed-use projects within 500 feet of a transit stop, increasing density and FARs for mixed-use projects that replace strip commercial on arterials, and increased density for projects that combine parcels (lot consolidation). Furthermore, Code Enforcement activities in this area will encourage violators to demolish unsafe buildings through existing demolition programs and educate property owners of new opportunities available through the Corridor Improvement Program. General Lot Consolidation Incentive The City will amend the Development Code to incentivize lot consolidation for projects that promise to commit to management plans and provide on-site management. Small, individual lots offer limited development potential, and generally cannot support on-site property management. Development opportunities could be increased through a small-lot consolidation program that offers a 15 percent density bonus to projects with a residential component that are committing to a maintenance plan and having on-site management. This encourages a more efficient use of the land while ensuring adequate long-term maintenance and oversight of a property. Action Plan: One Year Use of Funds Page 29 City of San Bernardino FY 2010-2011 Action Plan Density Bonus Provisions ti The City will facilitate higher density and affordable housing development by amending the development code to reflect the latest amendments to State density bonus law. Density bonus provisions reward developers providing affordable housing to seniors or families with an increase in density and reduced building requirements, such as reduced parking, reduced setbacks, and other factors that decrease the cost of housing production. Density bonus projects can be an important source of housing for lower and moderate income households. Reasonable Accommodation Ordinance - The City will reduce governmental constraints to housing for disabled persons by adopting a Reasonable Accommodation Ordinance. The City of San Bernardino does not currently have a formal process for requesting exemptions from government regulations for the purpose of creating housing accessible to disabled persons. A Reasonable Accommodation Ordinance will enact a process for disabled individuals (or those acting on their behalf) to make requests for reasonable accommodation for relief from burdensome land use, zoning, or building laws, rules, policies, practices, and/or procedures. Emergency Shelters The City plans to adopt a permanent emergency shelter ordinance, define emergency shelters in the definitions section of the Development Code, and create development and management standards in accordance with Senate Bill 2. Transitional and Supportive Housing T• The City will amend the Development Code to adequately define transitional and permanent supportive housing and permit these uses based on unit type, in accordance with Senate Bill 2. Streamlined Processing The City is committed to continuing the streamlining of development activities and regulations and will continue to analyze potential programs that seek to eliminate land use constraints, particularly as related to the provision of new housing and rehabilitation of existing housing. The City is considering amendments to the Municipal Code that will allow increased administrative authority for staff or Zoning Administrator to grant discretionary approvals for housing projects, administrative relief for lower cost housing and density bonus programs, and deviations from the Development Code for lower cost and senior housing projects. In addition, the City will continue to evaluate fees to identify those that may be waived and/or decreased in order to encourage lower cost and senior citizen housing. The City and EDA will continue dialogue and project coordination with various public/private agencies involved in implementing the City's housing goals and continue to provide input on regulations, codes, and ordinances that could potentially have adverse effects on the development of affordable housing. Action Plan: One Year Use of Funds Page 30 City of San Bernardino FY 2010-2011 Action Plan I. Public Housing 1. Improvements The Housing Authority of the County of San Bernardino ("Authority") owns and manages about 690 units of public housing within the City limits, and nearly 2,000 countywide, for occupancy by low-income families who pay no more than 30 percent of their monthly income for rent. The Authority's public housing program includes a mixture of single-family housing (scattered sites), multifamily housing, and special needs housing (such as for seniors and individuals with disabilities) funded under several state and federal housing programs. The Authority is making a concerted effort to utilize green building technologies within its' capital improvement program. While the current shortfall in Capital Fund generally prevents substantial "green" investment, the Authority is utilizing whatever avenues are available to implement energy conservation and sustainable building practices. For example, through an energy performance contract, the Authority is utilizing private funding to install energy conservation measures at public housing sites. Likewise, the Authority is utilizing funding directly from Fannie Mae to address today, public housing capital improvements which are planned for the next 5 years, through the Capital Fund Financing Program (leveraging the annual Capital Fund allocation to service debt). Through these 2 programs, the Authority has managed to secure funding from sources other than HUD to address nearly $20 million in general and energy-related improvements. If additional Capital Funding was made available, the Authority would utilize a similar "leveraging" approach to address its' nearly $50 million countywide backlog of 5 year capital improvement needs. Through the process, the Authority envisions continuing the focus on energy conservation and sustainability not only to improve the environment, but also to help grow the "green-collar" job-sector of the economy, which will be a key area for job creation, especially in the building industry in the coming years. According to the Authority, there are currently 12,024 applicants on the waiting list for the Public Housing Program. 2. Resident Initiatives Due to the size of San Bernardino County, the Authority divided its service area into seven districts. Every three years, Authority Staff coordinates and monitors the election of a jurisdiction-wide Resident Advisory Board to represent the voice of the resident population in these districts. The Resident Advisory Board's overall purpose is to improve the quality of life and resident satisfaction within assisted housing. It also participates in self-help initiatives to enable residents to create a positive living environment for their families. Action Plan: One Year Use of Funds Page 31 City of San Bernardino FY 2010-2011 Action Plan J. Institutional Structure The Economic Development Agency (EDA) of the City of San Bernardino is the lead agency for the development and implementation of all of the City's housing and community development programs. The Agency is responsible for the preparation and implementation of the five-year Consolidated Plan, annual Action Plans, and any amendments to either Plan. In addition, the Agency is responsible for preparing the Consolidated Annual Performance Evaluation Reports (CAPERs), which reports the progress achieved during a given fiscal year. Implementation of the Consolidated Plan requires the efficient leveraging of multiple funding sources — federal, state, local, and private resources. These funds create housing and economic opportunities for low and moderate income households, particularly those with special needs. The City and EDA will continue to aggressively attract housing development to ensure that all development will be completed in harmony with the State Housing Element and Consolidated Plan's goals. The City and EDA will also continue to coordinate the execution of a regional homeless assistance plan with a countywide Homeless Coalition and the Community Action Partners of San Bernardino County. These groups include: • Non-profit service providers • City of San Bernardino Police Department • County Board of Supervisors • County Department of Public Social Services • County Department of Mental Health • County Department of Public Health • Realtors • AFL-CIO • Veterans • Building Industry Association • Habitat for Humanity • Local colleges • Job training groups The participation of the City and EDA in this cooperative effort enables and facilitates the delivery of homeless services and resources through effective networking. In addition, any development of homeless services outside the city limits serves to lessen the City's homeless problems. Gaps in Service Delivery System The most significant gap in the service delivery system is the lack of sufficient funding to address the City's extensive needs. To bridge this gap, the City actively pursues additional funding opportunities for housing and community development. The City also encourages public/private partnerships to maximize the effective use of resources. Action Plan: One Year Use of Funds Page 32 City of San Bernardino FY 2010-2011 Action Plan K. Coordination Many projects involve the coordinated efforts of public, private and quasi-public agencies and organizations. For example, the Agency coordinates the development and execution of a regional homeless assistance plan with a countywide Homeless Coalition and a Local Coordinating Group. The Economic Development Agency will continue to meet with public and other housing and supportive service providers to use all available resources to the maximum levels of effectiveness. Meetings with these agencies will occur regularly throughout the fiscal year to endorse applications for funding and to discuss cooperative ventures. The City and EDA will also continue dialogue and project coordination with the various public/private agencies involved in implementing the City's housing goals in order to receive input on regulations, codes, and ordinances that could potentially have adverse effects on the development of affordable housing. L. Monitoring The City of San Bernardino follows strict internal monitoring procedures to ensure funds are used appropriately and effectively. Subrecipients are monitored through quarterly reports and onsite visits by the grants coordinator. Affordable housing development projects are monitored to ensure compliance with housing quality standards with City staff performing site visits, inspections, and auditing tenant files. In addition, property management is required to submit reports documenting compliance with income restrictions. The City will continue to undertake annual reviews of all agencies it provides financial assistance to in conformance with 24 CFR 91.230. Findings will be provided as part of the CAPER Report, due to HUD annually. The report will describe the current status of planned activities, as described in the Plan, as well as other information that describes the progress and successes of activities. The Five-Year Consolidated Plan priorities will be evaluated through a comparison of the goals set out for the fiscal year and the productivity characteristics and completion data for each program or activity implemented for the accomplishment of those goals. 1. Performance Measures The City has been continually working to develop a system that measures productivity and program impact. Productivity The Integrated Disbursement and Information System (IDIS) is used to track expenditures and accomplishments of CDBG and HOME funds. This information is subsequently used by staff to prepare the Concolidated Annual Performance Evaluation Report (CAPER) and to evaluate future funding applications. Action Plan: One Year Use of Funds Page 33 City of San Bernardino FY 2010-2011 Action Plan A Program Impact An appropriate performance measurement system would also include a component that •r measures program impact. Program impact reflects the extent to which activities yield the desired results in the community or in the lives of persons assisted. Output-Based Performance Outputs are direct products of a program's activities. They are typically measured in terms of the volume of work accomplished, such as number of low income households served, number of items processed, or number of units constructed or rehabilitated. The processes described above provide the department with the necessary level of information to satisfy the "outputs"component. Outcome-Based Performance Outcomes are benefits that result from a program or activity. Outcomes typically relate to a change in conditions, skills, knowledge, status, etc. Outcomes could include improved quality or quantity of local affordable housing stock, improved or revitalized neighborhoods or improved quality of life for program participants. The City intends to require each subrecipient of federal funds to describe beyond quantitative accomplishments how their programs and/or activities provide a more comprehensive, far reaching level of improvement to each individual benefiting from the use of federal funds. M.Specific Program Requirements The "Listing of Proposed Projects" in Appendix D details the City's Priority Description and One-Year CDBG Funds Investment Plan for the City of San Bernardino. Proposed housing activities primarily involve assistance for housing rehabilitation and code enforcement. Proposed non-housing activities include public facility improvements and the funding of a multitude of public services/agencies. A majority of the public service agencies funded provide counseling, food, job training, child care and serve the City's seniors, children/adolescents, youth programs, shelters, etc., and households in general. 1. Specific CDBG Grant Program Submission Requirements CDBG: Other resources that may become available in addition to the annual grant include redevelopment low/mod funds in the amount of$7,410,612. a. Program income estimated and expected to be generated during the Program Year- $40,000 i) The amount estimated and expected to be generated by and deposited to revolving loan funds - None ii) The total amount estimated and expected to be received from each new float- funded activity that is included in the Plan - None Action Plan: One Year Use of Funds Page 34 City of San Bernardino FY 2010-2011 Action Plan iii) The amount estimated and expected to be received during the current program year from float-funded activities described in a prior statement or plan. - None iv) The total amount estimated and expected to be received from prior activities and/or loan repayments - None b. Program income received in the preceding program year that has not been included in a statement or plan - None i) Proceeds from Section 108 loan guarantees that will be used during the year to address the priority needs and specific objectives identified in the strategic plan - None ii) Surplus funds from any urban renewal settlement for community development and housing activities—None iii) Any grant funds returned to the line of credit for which the planned use has not been included in a prior statement or plan — None c. Reprogrammed Prior Years' Funds: The following chart reflects CDBG funds reprogrammed from prior years' Annual Plans: Table •r Years' Reprogrammed CDBG Fiscal Year Project Description Amount Reprogrammed tiM CDBG funds re ro rammed from: 2005-06 East King Street Improvements $200,000.00 2005-06 YWCA Install Security Fence $49,723.26 2007-08 Operation Phoenix Expansion $146,000.00 2008-09 Miracles in Recovery $12,500.00 2008-09 Provisional Educational Services $12,500.00 2008-09 Servant's Heart Outreach $10,250.00 2008-09 Westside Brighter Vision $179.62 2008-09 Youth Hoe $310.72 Total $431,463.60 CDBG funds reprogrammed to: 2010-11 Code Enforcement Demolition $200,000.00 2010-11 1 Target Area Street Improvements $231,463.60 Total $431,463.60 Float-funded Activities: None Section 108 Activities: The City is currently renegotiating the HUD Section 108 Loan for the 20-Plex movie theater (formerly known as the CinemaStar) in the amount of$9,000,000 to repay the original HUD 108 Loan of $4.6 million and provide necessary funds for upgrading to new technology and remodeling of the building. The term of the Section 108 financing will be seven (7)years with interest only payments. Action Plan: One Year Use of Funds Page 35 City of San Bernardino FY 2010-2011 Action Plan On March 5, 2005, the City was notified of an award of $7.5 million in Section 108 HUD Loan Program and in July 2006, the City, the Agency and HUD executed loan documents. The $7.5 million has been utilized for the acquisition of twenty-two (22) blighted and socially problematic 4-plex apartment dwellings in the North Arden Guthrie Area. Together with other redevelopment funds of approximately $7.5 million, tenants have now been relocated into safe and sanitary housing, the structures demolished, and the land will be made available to a master developer (Home Depot) for the purpose of constructing a retail commercial center. Urgent Needs: N/A 2. Specific HOME Submission Requirements Resale Provisions: The City's resale or recapture provision ensures the affordability of units acquired with HOME funds in compliance with 24 CFR 92.254(a)(4). Specifically, homebuyers agree that for a forty-five (45) year period commencing on the date of recordation of the Agency Deed of Trust and the Affordable Housing Covenant to notify the Agency not less than thirty (30) days prior to: (i) the sale of the New Home, (ii)the transfer of any interest in the New Home, or (iii) any refinancing of the lien of the First Mortgage Lender to which the lien of the Agency Deed of Trust is subordinate. This is a shared appreciation formula between EDA and homebuyer based on a declining scale. HOME Tenant Based Rental Assistance - N/A Other Forms of Investment: Private Resources from Community Housing Development Organization (CHDO) Partners. Affirmative Marketing: The City will use the combined efforts of CHDOs, realtors, newspaper advertisement and flyers to affirmatively market homes to all residents and prospective buyers regardless of race, color, gender, marital status, religion and disability. Minority[Women's Business Outreach: The City's outreach effort is fully described in the M/WBE Plan which includes actions that will be taken to establish and oversee the inclusion, to the maximum extent possible, of minority and women, and entities owned by minorities and women, including without limitation, real estate firms, construction firms, appraisal firms, management firms, financial institutions, investment banking firms, underwriters, accountants, and providers of legal services, in all contracts, entered into by the City with such persons or entities, public and private, in order to facilitate the activities to provide affordable housing under the HOME Program in compliance with 24 CFR 92.351.(b). Program Income: An estimated $2,700 Refinancing: N/A In FY 2010-2011, the City will receive $1,698,384 in HOME funds. HOME funds will be allocated as follows for the new fiscal year: 10% ($169,838) for EDA HOME administration; 15% ($254,757)to qualified Community Housing Development Organizations (CHDO's)who aid in the provision of affordable housing in the community; 28% ($480,000) for homebuyer assistance and education; 5% ($84,919)for CHDO operations and capacity building. '^1 Action Plan: One Year Use of Funds Page 36 City of San Bernardino FY 2010-2011 Action Plan The remaining $708,870 will be allocated to other lower income housing developments as they become available during the fiscal year. In this case, HOME funds will be used to augment the EDA's annual appropriations from its tax increment housing set aside. HOME funds can only be utilized for housing activities, i.e. rehabilitation of single-family housing, rehabilitation or construction of multi-family and/or senior housing; homebuyer programs; acquisition of land; public improvements to facilitate affordable housing and transitional housing. 3. Specific ESG Submission Requirements The City solicited and made funding recommendations for ESG submissions based on experience, ability to provide service and the number of households expected to benefit from the program. Matching grant funds were also identified in each recipient's application from fund raising efforts, in-kind donations and volunteer's labor donated. Staff, together with a representative from the San Bernardino County Community Action Partners, assisted in reviewing and rating the ESG proposals. Each proposal was evaluated on: project narrative, past experience, cost effectiveness, leveraging and overall quality of proposal. i , ••� i . • Shelter Essential Homeless Total Organization Operations Services Prevention Central City Lutheran $15,823 $15,823 Foothills AIDS $16,800 $16,800 Frazee Community Center $12,660 $12,660 Marcy Mercy Center — 1 $10,000 $10,000 �... Operation Grace $7,500 $7,500 Option House $10,000 $10,000 Salvation Arm — $17,471 $17,471 Time for Change $10,000 $10,000 Total $15,823 $47,471 $36,960 $100,254 Percent 15.7% 47.4% 36.9% 1 100.0% Action Plan: One Year Use of Funds Page 37 i i i i 1 j i 7 i 1 I I i V i Appendix A: Certifications ^► `� V City of San Bernardino FY 2010-2011 Action Plan CERTIFICATIONS In accordance with the applicable statutes and the regulations governing the consolidated plan regulations, the jurisdiction certifies that: Affirmatively Further Fair Housing -- The jurisdiction will affirmatively further fair housing, which means it will conduct an analysis of impediments to fair housing choice within the jurisdiction, take appropriate actions to overcome the effects of any impediments identified through that analysis, and maintain records reflecting that analysis and actions in this regard. Anti-displacement and Relocation Plan -- It will comply with the acquisition and relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended, and implementing regulations at 49 CFR 24; and it has in effect and is following a residential antidisplacement and relocation assistance plan required under section 104(d) of the Housing and Community Development Act of 1974, as amended, in connection with any activity assisted with funding under the CDBG or HOME programs. Drug Free Workplace -- It will or will continue to provide a drug-free workplace by: 1. Publishing a statement notifying employees that the unlawful manufacture, distribution, dispensing, possession, or use of a controlled substance is prohibited in the grantee's workplace and specifying the actions that will be taken against employees for violation of such prohibition; 2. Establishing an ongoing drug-free awareness program to inform employees about— (a)The dangers of drug abuse in the workplace; (b)The grantee's policy of maintaining a drug-free workplace; (c) Any available drug counseling, rehabilitation, and employee assistance programs; and (d) The penalties that may be imposed upon employees for drug abuse violations occurring in the workplace; 3. Making it a requirement that each employee to be engaged in the performance of the grant be given a copy of the statement required by paragraph 1; 4. Notifying the employee in the statement required by paragraph 1 that, as a condition of employment under the grant, the employee will— (a) Abide by the terms of the statement; and (b) Notify the employer in writing of his or her conviction for a violation of a criminal drug statute occurring in the workplace no later than five calendar days after such conviction; 5. Notifying the agency in writing, within ten calendar days after receiving notice under subparagraph 4(b) from an employee or otherwise receiving actual notice of such conviction. Employers of convicted employees must provide notice, including position title, to every grant officer or other designee on whose grant activity the convicted employee was working, unless the Federal agency has designated a central point for Appendix A: Certifications Page A-1 City of San Bernardino FY 2010-2011 Action Plan the receipt of such notices. Notice shall include the identification number(s) of each affected grant; 6. Taking one of the following actions, within 30 calendar days of receiving notice under subparagraph 4(b), with respect to any employee who is so convicted: (a) Taking appropriate personnel action against such an employee, up to and including termination, consistent with the requirements of the Rehabilitation Act of 1973, as amended; or (b) Requiring such employee to participate satisfactorily in a drug abuse assistance or rehabilitation program approved for such purposes by a Federal, State, or local health, law enforcement, or other appropriate agency; 7. Making a good faith effort to continue to maintain a drug-free workplace through implementation of paragraphs 1, 2, 3, 4, 5 and 6. Anti-Lobbying --To the best of the jurisdiction's knowledge and belief: 1. No Federal appropriated funds have been paid or will be paid, by or on behalf of it, to any person for influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress in connection with the awarding of any Federal contract, the making of any Federal grant, the making of any Federal loan, the entering into of any cooperative agreement, and the extension, continuation, renewal, amendment, or modification of any Federal contract, grant, loan, or cooperative agreement; 2. If any funds other than Federal appropriated funds have been paid or will be paid to any person for influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress in connection with this Federal contract, grant, loan, or cooperative agreement, it will complete and submit Standard Form-LLL, "Disclosure Form to Report Lobbying;' in accordance with its instructions; and 3. It will require that the language of paragraph 1 and 2 of this anti-lobbying certification be included in the award documents for all subawards at all tiers (including subcontracts, subgrants, and contracts under grants, loans, and cooperative agreements) and that all subrecipients shall certify and disclose accordingly. Authority of Jurisdiction — The consolidated plan is authorized under State and local law (as applicable) and the jurisdiction possesses the legal authority to carry out the programs for which it is seeking funding, in accordance with applicable HUD regulations. Consistency with plan --The housing activities to be undertaken with CDBG, HOME, ESG, and HOPWA funds are consistent with the strategic plan. Appendix A: Certifications Page A-2 City of San Bernardino FY 2010-2011 Action Plan Section 3 -- It will comply with section 3 of the Housing and Urban Development Act of 1968, and implementing regulations at 24 CFR Part 135. Signature/Authorized Official Date Title Appendix A: Certifications Page A-3 City of San Bernardino FY 2010-2011 Action Plan Specific CDBG Certifications The Entitlement Community certifies that: Citizen Participation — It is in full compliance and following a detailed citizen participation plan that satisfies the requirements of 24 CFR 91.105. Community Development Plan — Its consolidated housing and community development plan identifies community development and housing needs and specifies both short-term and long-term community development objectives that provide decent housing, expand economic opportunities primarily for persons of low and moderate income. (See CFR 24 570.2 and CFR 24 part 570) Following a Plan -- It is following a current consolidated plan (or Comprehensive Housing Affordability Strategy)that has been approved by HUD. Use of Funds -- It has complied with the following criteria: 1. Maximum Feasible Priority. With respect to activities expected to be assisted with CDBG funds, it certifies that it has developed its Action Plan so as to give maximum feasible priority to activities which benefit low and moderate income families or aid in the prevention or elimination of slums or blight. The Action Plan may also include activities which the grantee certifies are designed to meet other community development needs having a particular urgency because existing conditions pose a serious and immediate threat to the health or welfare of the community, and other financial resources are not available); 2. Overall Benefit. The aggregate use of CDBG funds including section 108 guaranteed loans during program year(s), (a period specified by the grantee consisting of one, two, or three specific consecutive program years), shall principally benefit persons of low and moderate income in a manner that ensures that at least 70 percent of the amount is expended for activities that benefit such persons during the designated period; 3. Special Assessments. It will not attempt to recover any capital costs of public improvements assisted with CDBG funds including Section 108 loan guaranteed funds by assessing any amount against properties owned and occupied by persons of low and moderate income, including any fee charged or assessment made as a condition of obtaining access to such public improvements. However, if CDBG funds are used to pay the proportion of a fee or assessment that relates to the capital costs of public improvements (assisted in part with CDBG funds) financed from other revenue sources, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. The jurisdiction will not attempt to recover any capital costs of public improvements assisted with CDBG funds, including Section 108, unless CDBG funds are used to pay the proportion of fee or assessment attributable to the capital costs of public improvements financed from other revenue sources. In this case, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. Also, in the case of properties owned and occupied by moderate-income (not low-income) families, an assessment or charge may be made against the property for public improvements financed by a Appendix A: Certifications Page A-4 City of San Bernardino FY 2010-2011 Action Plan source other than CDBG funds if the jurisdiction certifies that it lacks CDBG funds to cover the assessment. Excessive Force -- It has adopted and is enforcing: 1. A policy prohibiting the use of excessive force by law enforcement agencies within its jurisdiction against any individuals engaged in non-violent civil rights demonstrations; and 2. A policy of enforcing applicable State and local laws against physically barring entrance to or exit from a facility or location which is the subject of such non-violent civil rights demonstrations within its jurisdiction; Compliance With Anti-discrimination laws — The grant will be conducted and administered in conformity with title VI of the Civil Rights Act of 1964 (42 USC 2000d), the Fair Housing Act(42 USC 3601-3619), and implementing regulations. Lead-Based Paint — Its activities conceming lead-based paint will comply with the requirements of 24 CFR Part 35, subparts A, B, J, K and R; Compliance with Laws -- It will comply with applicable laws. Signature/Authorized Official Date Title I Appendix A: Certifications Page A-5 City of San Bernardino FY 2010-2011 Action Plan OPTIONAL CERTIFICATION CDBG Submit the following certification only when one or more of the activities in the action plan are designed to meet other community development needs having a particular urgency as specified in 24 CFR 570.208(c): The grantee hereby certifies that the Annual Plan includes one or more specifically identified CDBG-assisted activities which are designed to meet other community development needs having a particular urgency because existing conditions pose a serious and immediate threat to the health or welfare of the community and other financial resources are not available to meet such needs. Signature/Authorized Official Date Title Appendix A: Certifications Page A-6 City of San Bernardino FY 2010-2011 Action Plan APPENDIX TO CERTIFICATIONS INSTRUCTIONS CONCERNING LOBBYING AND DRUG-FREE WORKPLACE REQUIREMENTS: A. Lobbying Certification This certification is a material representation of fact upon which reliance was placed when this transaction was made or entered into. Submission of this certification is a prerequisite for making or entering into this transaction imposed by section 1352, title 31, U.S. Code. Any person who fails to file the required certification shall be subject to a civil penalty of not less than $10,000 and not more than $100,000 for each such failure. B. Drug-Free Workplace Certification 1. By signing and/or submitting this application or grant agreement, the grantee is providing the certification. 2. The certification is a material representation of fact upon which reliance is placed when the agency awards the grant. If it is later determined that the grantee knowingly rendered a false certification, or otherwise violates the requirements of the Drug-Free Workplace Act, HUD, in addition to any other remedies available to the Federal Government, may take action authorized under the Drug-Free Workplace Act. 3. Workplaces under grants, for grantees other than individuals, need not be identified on the certification. If known, they may be identified in the grant application. If the grantee does not identify the workplaces at the time of application, or upon award, if there is no application, the grantee must keep the identity of the workplace(s) on file in its office and make the information available for Federal inspection. Failure to identify all known workplaces constitutes a violation of the grantee's drug-free workplace requirements. 4. Workplace identifications must include the actual address of buildings (or parts of buildings) or other sites where work under the grant takes place. Categorical descriptions may be used (e.g., all vehicles of a mass transit authority or State highway department while in operation, State employees in each local unemployment office, performers in concert halls or radio stations). 5. If the workplace identified to the agency changes during the performance of the grant, the grantee shall inform the agency of the change(s), if it previously identified the workplaces in question (see paragraph three). 6. The grantee may insert in the space provided below the site(s) for the performance of work done in connection with the specific grant: Place of Performance (Street address, city, county, state, zip code) Appendix A: Certifications Page A-7 City of San Bernardino FY 2010-2011 Action Plan V Check_if there are workplaces on file that are not identified here. The certification with regard to the drug-free workplace is required by 24 CFR part 24, subpart F. 7. Definitions of terms in the Nonprocurement Suspension and Debarment common rule and Drug-Free Workplace common rule apply to this certification. Grantees' attention is called, in particular, to the following definitions from these rules: "Controlled substance" means a controlled substance in Schedules I through V of the Controlled Substances Ad (21 U.S.C. 812) and as further defined by regulation (21 CFR 1308.11 through 1308.15); "Conviction" means a finding of guilt (including a plea of nolo contendere) or imposition of sentence, or both, by any judicial body charged with the responsibility to determine violations of the Federal or State criminal drug statutes; "Criminal drug statute" means a Federal or non-Federal criminal statute involving the manufacture, distribution, dispensing, use, or possession of any controlled substance; "Employee" means the employee of a grantee directly engaged in the performance of work under a grant, including: (i) All "direct charge" employees; (ii) all "indirect charge" employees unless their impact or involvement is insignificant to the performance of the grant; and (iii) temporary personnel and consultants who are directly engaged in the performance of work under the grant and who are on the grantee's payroll. This definition does not include workers not on the payroll of the grantee (e.g., volunteers, even if used to meet a matching requirement; consultants or independent contractors not on the grantee's payroll; or employees of subrecipients or subcontractors in covered workplaces). AWN Appendix A: Certifications Page A-8 Appendix B: Summary of Citizen Participation and Public Comments City of San Bernardino FY 2010-2011 Action Plan FY 2010111 Action Plan As part of the Action Plan development, the Community Development Citizen Advisory Committee (CDCAC) held a public hearing on January 21, 2010 to consider projects and activities for use of federal funds. The public hearing was held at the Economic Development Agency Board Room. In total, more than 15 residents and representatives of service provider agencies attended this meeting, in addition to the five Community Development Citizens Advisory Committee members. Service providers attending the Consolidated Plan community outreach meeting included: • Time for Change • Central City Lutheran Mission • Inland Fair Housing & Mediation Board • Project Life Impact • Universal Nursing Systems • A Servant's Heart Outreach • St. John's Success Center • Apartment Association Greater Inland Empire • OMNIP On March 25, 2010, the CDCAC held a public hearing to review the Draft FY 2010/11 Annual Action Plan for CDBG, HOME, and ESG funds. A 30-day public review of the Draft Action Plan was provided from March 30 through April 30, 2010. On May 3, 2010, the City conducted a public hearing to receive oral and written comments on the draft 2010-2011 Annual Plan and adopt the Action Plan. Appendix B: Citizen Participation Page B-1 4 4 Appendix C: SF424 Forms 4 4 4 APPLICATION FOR Version 7103 FEDERAL ASSISTANCE 2.DATE SUBMITTED Appg Om Identifier, 1.TYPE OF SUBMISSION: 3.DATE RECEIVED BY STATE State Application Identifier 4pplication Pre-application Construction P Construction 4.DATE RECEIVED BY FEDERAL AGENCY Federal Identifier Non-Construction Non-Construc lon 5.APPLICANT INFORMATION Legal Name: Organizations]Unit: Department City of San Bernardino Economic Development Agency Organizational DUNS: Division: 129146302 Address: Name and telephone number of person to be contacted on matters Street: involving this application(give area code) 300 North'D'Street Pre First Name: Ms. Lisa City: Middle Name San Bernardino County: Last Name San Bernardino Connor _ State: Zip Code Suffix: Cafdomia 92478 Country: Email: USA IconnorOsbrda.org 6.EMPLOYER IDENTIFICATION NUMBER(EIN): Phone Number(give area code) Fax Number(give area code) oo-©000000 (909)663-1044 (909)888-9413 S.TYPE OF APPLICATION: 7.TYPE OF APPLICANT: (See back of form for Application Types) ® New LJi Continuation ❑ Revision Municipal If Revision,enter appropriate le6ens)in box(es) See back of form for description of letters.) ❑ ❑ Other(specify) Other(specify) 9.NAME OF FEDERAL AGENCY: US Department of Housing and Urban Development(HUD) 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11.DESCRIPTIVE TITLE OF APPLICANT'S PROJECT: o®-®oa Fiscal Year 2010-2011 One Year Action Plan ESG Program consisting of assistance for homeless shelters and TITLE(Name of Program): services.ESG Program 12.AREAS AFFECTED BY PROJECT(Cities,Counties,States,etc.): City of San Bernardino 13.PROPOSED PROJECT 14.CONGRESSIONAL DISTRICTS OF: Start Date: Ending Date: a.Applicant b.Pro)ect 7/01/10 6/30/11 29th 9th 15.ESTIMATED FUNDING: 16.IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE RDER 12372 PROCESS? a. Federal a.Yes.Ei THIS PREAPPLICATION/APPLICATION WAS MADE 158,237 AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 b.Applicant PROCESS FOR REVIEW ON c.State DATE: d.Local b.No. E PROGRAM IS NOT COVERED BY E.O.12372 e.Other Ej OR PROGRAM HAS NOT BEEN SELECTED BY STATE FOR REVIEW I.Program Income 17.IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? TOTAL g' 758.237 ED Yes If"Yes"attach an explanation. 10 No 18.TO THE BEST OF MY KNOWLEDGE AND BELIEF,ALL DATA IN THIS APPLICATIONIPREAPPLICATION ARE TRUE AND CORRECT. THE DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE ATTACKED ASSURANCES IF THE ASSISTANCE IS AWARDED. aa.Authorized Representative NU.gx Chsrlesme E.dle Name Last Name Suffix McNeely b.Title .Telephone Number(give area code) City Manager 909 384-5122 J.Signature of Authorized Representative .Date Signed Previous Edition Usable Standard Form 424(Rev.9-2003) Authorized for Local Reoroduction Prescribed by OMB Circular A-102 INSTRUCTIONS FOR THE SF-424 Public reporting burden for this collection of information is estimated to average 45 minutes per response, including time for reviewing instructions,searching existing data sources,gathering and maintaining the data needed,and completing and reviewing the collection of information.Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden,to the Office of Management and Budget, Paperwork Reduction Project(0348-0043),Washington, DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET.SEND IT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. This is a standard form used by applicants as a required face sheet for pre-applications and applications submitted for Federal assistance.It will be used by Federal agencies to obtain applicant certification that States which have established a review and comment procedure in response to Executive Order 12372 and have selected the program to be included in their process, have been given an opportunity to review the applicant's submission. Item: Entry: Item: Entry: 1. Select Type of Submission. 11. Enter a brief descriptive title of the project.If more than one program is involved,you should append an explanation on a separate sheet.If appropriate(e.g.,construction or real property projects),attach a map showing project location.For preapplicalions,use a separate sheet to provide a summary description of this project. 2. Date application submitted to Federal agency(or State if applicable) 12. List only the largest political entities affected(e.g.,State, and applicant's control number(if applicable). counties,cities). 3. State use only(if applicable). 13 Enter the proposed start dale and and date of the project. 4. Enter Dale Received by Federal Agency 14. List the applicant's Congressional District and any District(s) Federal identifier number: If this application is a continuation or affected by the program or project revision to an existing award,enter the present Federal Identifier number. If for a new project,leave blank. 5. Enter legal name of applicant,name of primary organizational unit 15 Amount requested or to be contributed during the first (including division,if applicable),which will undertake the funding/budget period by each contributor.Value of in kind assistance activity,enter the organization's DUNS number contributions should be included on appropriate lines as (received from Dun and Bradstreet),enter the complete address of applicable.If the action will result in a dollar change to an the applicant(including country),and name,telephone number,e- existing award,indicate only the amount of the change.For mail and fax of the person to contact on matters related to this decreases,enclose the amounts in parentheses.If both basic application. and supplemental amounts are included,show breakdown on an attached sheet.For multiple program funding,use totals and show breakdown using same categories as item 15. 6. Enter Employer Identification Number(EIN)as assigned by the 16. Applicants should contact me State Single Point of Contact Internal Revenue Service. (SPOC)for Federal Executive Order 12372 to determine whether the application is subject to the State inte ovemmental review process. 7. Select the appropriate letter in 17. This question applies to the applicant organization,not the the space provided. I. State Controlled person who signs as the authorized representative.Categories A. State Institution of Higher of debt include delinquent audit disallowances,loans and B. County Learning taxes. C. Municipal J. Private University D. Township K. Indian Tribe E. Interstate L. Individual F. Intermunicipal M. Profit Organization G. Special District N. Other(Specify) H. Independent School O. Not for Profit District O anization 8. Select the type from the following list: 18 To be signed by the authorized representative of the applicant. • "New"means a new assistance award. A copy of the governing body's authorization for you to sign • 'Continuation"means an extension for an additional this application as official representative must be on file in the fundingibudget period for a project with a projected completion applicant's office.(Certain Federal agencies may require that date. this authorization be submitted as part of the application.) • "Revision"means any change in the Federal Government's financial obligation or contingent liability from an existing obligation.If a revision enter the appropriate letter: A.Increase Award B.Decrease Award C.Increase Duration D.Decrease Duration 9. Name of Federal agency from which assistance is being requested with this application. 10. Use the Catalog of Federal Domestic Assistance number and title of the program under which assistance is requested. SF-424(Rev.7-97)Bac APPLICATION FOR Version 7/D3 FEDERAL ASSISTANCE 2.DATE SUBMITTED Applicant Identifier 0 180 1.TYPE OF SUBMISSION: 3.DATE RECEIVED BY STATE State Application Identifier 4plication Pre-application Ll Construction P Construction 4.DATE RECEIVED BY FEDERAL AGENCY Federal Identifier Non-Construction ❑Non-Construction S.APPLICANT INFORMATION Legal Name: Organizational Unit: Department: City of San Bernardino Economic Development Agency Organizational DUNS: Division: 121146302 Address: Name and telephone number of person to be contacted on matters Street: Involving this application(give area code) 300 North"D"Street Prefix: First Name: Ms. Lisa City: Middle Name San Bernardino County: Last Name Los Angeles Connor pp State: X92418 a Suffix: California Country: Email: USA IconnorOsbrda.org 6.EMPLOYER IDENTIFICATION NUMBER(EIN): Phone Number(give area code) Fax Number(give area code) RE-©KEWNEE (909)663-1044 1 (909)888-9413 8.TYPE OF APPLICATION: 7.TYPE OF APPLICANT: (See back of form for Application Types) i New D Continuation ® Revision Municipal If Revision,enter appropriate letters)in boxes) See back of form for description of letters.) ❑ ❑ Cher(specify) Other(specify) 9.NAME OF FEDERAL AGENCY: US Department of Housing and Urban Development(HUD) 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11.DESCRIPTIVE TITLE OF APPLICANT'S PROJECT: 1❑®—© 1❑ 8❑ Fiscal Year 2010-2011 One Year Action Plan TITLE Name of Program): CDBG Program consisting of the provision of public services. TITLE(Name Program 9 community development,economic development,code enforcement, 12.AREAS AFFECTED BY PROJECT(Cities, Counties, States,etc.): public improvement,and other related programs. City of San Bernardino 13.PROPOSED PROJECT 14.CONGRESSIONAL DISTRICTS OF: Start Date: Ending Date: a.Applicant b.Project 07/01/10 6/30/11 CA-043 A-041 and 043 15.ESTIMATED FUNDING: 16.IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE ORDER 12372 PROCESS? a. Federal a.Yes. Ei THIS PREAPPLICATION/APPLICATION WAS MADE 3,891,483 AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 b.Applicant PROCESS FOR REVIEW ON c.State DATE: d.Local b.No. Z PROGRAM IS NOT COVERED BY E.O.12372 e.Other o OR PROGRAM HAS NOT BEEN SELECTED BY STATE FOR REVIEW f.Program Income 17.15 THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? TOTAL uu g� 3,891,483 [J Yes If'Yes"attach an explanation. Z No 18.TO THE BEST OF MY KNOWLEDGE AND BELIEF,ALL DATA IN THIS APPLICATION/PREAPPLICATION ARE TRUE AND CORRECT. THE DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE ATTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED. a.Authorized Representative ri,efix F harlesme Middle Name Last Name Suffix McNeely .Title c.Telephone Number(give area cove) City Manager 909 384-5122 1.Signature of Authorized Representative e.Date Signed Previous Edition Usable Standard Form 424(Rev.9-2003) Authorized for Local Reproduction Prescribed by OMB Circular A-102 INSTRUCTIONS FOR THE SF-424 Public reporting burden for this collection of information is estimated to average 45 minutes per response,including time for reviewing instructions,searching existing data sources,gathering and maintaining the data needed,and completing and reviewing the collection of information.Send comments regarding the burden estimate or any other aspect of this collection of information,including suggestions for reducing this burden,to the Office of Management and Budget, Paperwork Reduction Project(0346-0043),Washington, DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET.SEND IT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. This is a standard form used by applicants as a required face sheet for pre-applications and applications submitted for Federal assistance. It will be used by Federal agencies to obtain applicant certification that States which have established a review and comment procedure in response to Executive Order 12372 and have selected the program to be included in their process,have been given an opportunity to review the applicant's submission. Item: Entry: Item: Entry: 1. Select Type of Submission. 11. Enter a brief descriptive fills of the project.If more than one program is involved,you should append an explanation on a separate sheet.If appropriate(e.g.,construction or real property projects),attach a map showing project location.For preapplications,use a separate sheet to provide a summary description of this reject. 2. Date application submitted to Federal agency(or State if applicable) 12. List only the largest political entities affected(e.g.,State, and applicant's control number(if applicable). counties,cities). 3. State use only(if applicable). 13 Enter the proposed start date and end dale of the project. 4. Enter Dale Received by Federal Agency 14. List the applicant's Congressional District and any Distiicl(s) Federal identifier number: If this application is a continuation or affected by the program or project revision to an existing award,enter the present Federal Identifier number. If for a new project,leave blank. 5. Enter legal name of applicant,name of primary organizational unit 15 Amount requested or to be contributed during the first (including division,if applicable),which will undertake the funding/budget period by each contributor.Value of in kind assistance activity,enter the organization's DUNS number contributions should be included on appropriate lines as (received from Dun and Bradstreet),enter the complete address of applicable.If the action will result in a dollar change to an the applicant(including country),and name,telephone number,e- existing award,indicate only the amount of the change.For mail and fax of the person to contact on matters related to this decreases,enclose the amounts in parentheses.If both basic application. and supplemental amounts are included,show breakdown on an attached sheet.For multiple program funding,use totals and show breakdown using same categories as item 15. 6. Enter Employer Identification Number(EIN)as assigned by the 16. Applicants should contact the State Single Point of Contact Internal Revenue Service. (SPOC)for Federal Executive Order 12372 to determine whether the application is subject to the State inte ovemmental review process. 7. Select the appropriate letter in 17. This question applies to the applicant organization,not the the space provided. I. State Controlled person who signs as the authorized representative.Categories A. State Institution of Higher of debt include delinquent audit disallowances,loans and B. County Learning taxes. C. Municipal J. Private University D. Township K. Indian Tribe E. Interstate L. Individual F. Intermunicipal M. Profs Organization G. Special District N. Other(Specify) H. Independent School O. Not for Profit District Organization 8. Select the type from the following list: 18 To be signed by the authorized representative of the applicant. • "New"means a new assistance award. A copy of the governing body's authorization for you to sign • "Continuation"means an extension for an additional this application as official representative must be on file in the fundingtbudget period for a project with a projected completion applicant's office.(Certain Federal agencies may require that date. this authorization be submitted as part of the application.) • "Revision"means any change in the Federal Government's financial obligation or contingent liability from an existing obligation.If a revision enter the appropriate letter: A.Increase Award B.Decrease Award C.Increase Duration D.Decrease Duration 9. Name of Federal agency from which assistance is being requested with this application. 10. Use the Catalog of Federal Domestic Assistance number and title of the program under which assistance is requested. SF424(Rev.7-97)Bee APPLICATION FOR Version 7/03 FEDERAL ASSISTANCE 2.DATE SUBMITTED Appti�nt Identifier 1.TYPE OF SUBMISSION: 3.DATE RECEIVED BY STATE OState Application Identifier Application Pre-application L73 Construction P Construction 4.DATE RECEIVED BY FEDERAL AGENCY Federal Identifier Non-Construction 014on-Construction S.APPLICANT INFORMATION Legal Name: Organizational Unit: City of San Bernardino Economic Development Agency Organizational DUNS: Division: 121146302 Address: Name and telephone number of person to be contacted on matters Street: involving this application(give area code) 300 North"0'Street Prefix: First Name: Ms. Lias City: Middle Name San Bernardino County: Last Name San Bernardino Connor _ State: Zip Code Suffix: California 92418 Country: Email: USA k:onnor®sbrda.org 6.EMPLOYER IDENTIFICATION NUMBER(EIN): Phone Number(give area aide) Fax Number(give area code) oa-©000000 (909)663-1044 (909)888-9413 8.TYPE OF APPLICATION: 7.TYPE OF APPLICANT: (See back of form for Application Types) VI New Continuation El Revision Municipal If Revision,enter appropriate leaer(s)in box(es) See back of forth for description of letters.) ❑ ❑ Other(specify) Other(specify) 9.NAME OF FEDERAL AGENCY: US Department of Housing and Urban Development(HUD) 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11.DESCRIPTIVE TITLE OF APPLICANT'S PROJECT: o®-000 Fiscal Year 2010-2011 One Year Action Plan TITLE(Name of Program): HOME Program consisting of Homebuyer Assistance and Education, HOME Program Residential Rehabilitation,and CHDO housing development. 12.AREAS AFFECTED BY PROJECT(Cities, Counties, States,etc.): City of San Bernardino 13.PROPOSED PROJECT 14.CONGRESSIONAL DISTRICTS OF: Start Date: Ending Date: a.Applicant b.Project 7/01/10 6/30/11 29th 9th 15.ESTIMATED FUNDING: 16.IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE —ORDER 12372 PROCESS? a. Federel a Yea THIS PREAPPLICATION/APPLICATION WAS MADE 1,698.384 AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 b.Applicant PROCESS FOR REVIEW ON c.State DATE: d.Local b No 01 PROGRAM IS NOT COVERED BY E.O.12372 e.Other o OR PROGRAM HAS NOT BEEN SELECTED BY STATE FOR REVIEW 1.Program Income 17.IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? g.TOTAL 1,698,3B4 U Yes If"Yes"attach an explanation. VJ No 18.TO THE BEST OF MY KNOWLEDGE AND BELIEF,ALL DATA IN THIS APPLICATION/PREAPPLICATION ARE TRUE AND CORRECT. THE DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE ATTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED. .Authorized Representative Prefix Charlesme Eddle Name Last Name Suffix McNeely b.Title .Telephone Number(give area code) City Manager 909 384-5122 d.Signature of Authorized Representative 9.Date Signed Previous Edition Usable Standard Form 424(Rev.9-2003) Authorized for Local Reoroduclion Prescribed by OMB Circular A-102 INSTRUCTIONS FOR THE SF-424 Public reporting burden for this collection of information is estimated to average 45 minutes per response, including time for reviewing instructions,searching existing data sources,gathering and maintaining the data needed,and completing and reviewing the collection of information.Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden,to the Office of Management and Budget, Paperwork Reduction Project(0348-0043),Washington, DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET.SEND IT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. This is a standard form used by applicants as a required face sheet for preapplications and applications submitted for Federal assistance. It will be used by Federal agencies to obtain applicant certification that States which have established a review and comment procedure in response to Executive Order 12372 and have selected the program to be included in their process, have been given an opportunity to review the applicant's submission. Item: Entry: Item: Entry: 1. Select Type of Submission. 11. Enter a brief descriptive title of the project.If more than one program is involved,you should append an explanation on a separate sheet.If appropriate(e.g.,construction or real property projects),attach a map showing project location.For preapplications,use a separate sheet to provide a summary description of this project. 2. Date application submitted to Federal agency(or State 9 applicable) 12. List only the largest political entities affected(e.g.,State, and applicant's control number(if applicable). counties,cities). 3. Stale use only(If applicable). 13 Enter the proposed start date and end date of the project. 4. Enter Date Received by Federal Agency 14. List the applicant's Congressional District and any District(s) Federal identifier number: If this application is a continuation or affected by the program or project revision to an existing award,enter the present Federal Identifier number. If for a new prDject,leave blank. 5. Enter legal name of applicant,name of primary organizational unit 15 Amount requested or to be contributed during the first (including division,if applicable),which will undertake the funding/budget period by each contributor.Value of in kind assistance activity,enter the organization's DUNS number contributions should be included on appropriate lines as (received from Dun and Bradstreet),enter the complete address of applicable.If the action will result in a dollar change to an the applicant(including country),and name,telephone number,e- existing award,indicate only the amount of the change.For mail and fax of the person to contact on matters related to this decreases,enclose the amounts in parentheses.If both basic application. and supplemental amounts are included,show breakdown on an attached sheet.For multiple program funding,use totals and show breakdown using same cal ones as item 15. 6. Enter Employer Identification Number(EIN)as assigned by the 16. Applicants should contact the State Single Point of Contact Internal Revenue Service. (SPOC)for Federal Executive Order 12372 to determine whether the application is subject to the State intergovernmental review process. 7. Select the appropriate letter in 17. This question applies to the applicant organization,not the the space provided. I. State Controlled person who signs as the authorized representative.Categories A. State Institution of Higher of debt include delinquent audit disallowances,loans and B. County Learning taxes. C. Municipal J. Private University D. Township K. Indian Tribe E. Interstate L. Individual F. Inlennunicipal M. Profit Organization G. Special District N. Other(Specify) H. Independent School O. Not for Profit District Organization 8. Select the type from the following list: 18 To be signed by the authorized representative of the applicant. • "New'means a new assistance award. A copy of the governing body's authorization for you to sign • 'Continuation'means an extension for an additional this application as official representative must be on file in the funding/budget period for a project with a projected completion applicant's office.(Certain Federal agencies may require that date. this authorization be submitted as pad of the application.) • 'Revision"means any change in the Federal Government's financial obligation or contingent liability from an existing obligation.If a revision enter the appropriate letter: A.Increase Award B.Decrease Award C.Increase Duration D.Decrease Duration 9. Name of Federal agency from which assistance is being requested with this application. 10. Use the Catalog of Federal Domestic Assistance number and title of the program under which assistance is requested. SF-424(Rev.7-97)Beck Appendix D: Listing of Proposed Projects i i V V i I i t !A) s V U.S.Department of Housing DMn Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Home of Neighborly Service Activity Family Literacy/Social Services and Delinquency Prevention Description Provides positive cultural, recreational and educational experiences for individuals and families through activities such as Girls and Boys Scouts, dance,boxing, aerobics and sewing. The center also has After School Learning Center where children are provided with tutoring and homework assistance. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 839 North Mount Vernon Avenue (City, State,Zip Code): San Bernardino,CA 92411 Specific Objective Project ID Funding Sources: Number 1 CDBG $15,000 CD-6 ESG HUD Matrix Code CDBG Citation HOME 05 Public Service 570.201(e) HOPWA _ (General) Total Formula Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient,Private LMC Assisted Housing _ _ Start Date(mm/dd/yyyy) Completion Date(mt/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding ------------ Performance Performance Indicator Annual Units Total $15,000 01 People(General) 1,800 Local ID Units Upon Completion ------------------- - �.• The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Esp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Mary's Mercy Center Inc Activity Mary's Table Description It is a Hot Meal Kitchen and is open six days a week. We offer hot heals,weekly food bags, showers 4 days a week with hygiene packets and clothes. We also offer emergency infant needs, bus tickets/passes, referrals, and an annual Christmas Eve Party. In collaboration,we are able to also offer Flu Shot Clinics,Blood Pressure and diabetes Clinics,medical Clinics,Veteran Services and Medical Insurance Information and Qualifying. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): P.O. Box 7563 (City,State, Zip Code): San Bernardino, CA 92411 Specific Objective Project ID Funding Sources: Number 2 CDBG _$15,000_ CD-1 ESG $10,000 HUD Matrix Code CDBG Citation HOME y -- 05 Public Service 570.201(e) HOPWA (General) Total Formula Type of Recipient CDBG National Objective Prior Year Funds —Sub-recipient,Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 t Other Funding ^, Performance Indicator Annual Units Total $25,000 " Units of Assistance 4,458 Local ID Units Upon Completion ------- ----------- The primary purpose of the project is to help:0 the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval N..2506-0117 and Urban Development (Exp.413012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Central City Lutheran Mission Activity Plaza Comunitaria Description Program targets bilingual Latino youth (0-18 yrs) coming from mono-lingual homes by developing bridges for dialogue assisting monolingual homes to develop parenting skills,increase school retention, improve diets and reduce engagement with the juvenile justice system through workshops, cultural events, and after school tutoring programs. Objective category: ®Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1354 North G Street (City,State,Zip Code): San Bernardino,CA 92405 Specific Objective Project ID Funding Sources: Number 3 CDBG _$,12,000_ CD-7 ESG _ HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula _Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing ___-_---_ 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding __ 01 People (General) 1 750 Total $12,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑ Persons with HIVIAIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Frazee Community Center Activity Hot Meals Description Provides emergency meal feeding program by providing box lunches, clothing, blankets, hygiene products,bus passes and assist in obtaining California IDs. Objective category: N Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: N Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1140 West Mill Street (City,State,Zip Code): San Bernardino,CA 92410 Specific Objective Project ID Funding Sources: Number 4 CDBG $12,000 CD-1 ESG $12,660 HUD Matrix Code CDBG Citation HOME 05 Public Service 570.201(e) HOPWA ..............................._...........- (General) Total Formula Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient,Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $24,660 01 People( eneral) 1 800 Local ID Units Upon Completion - - --- - The primary purpose of the project is to help:N the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4 13012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Option House,Inc. Activity Temporary Crisis Intervention Shelter Program Description Provides services to female victims of domestic violence and their children through 24-hour ciris intervention,temporary emergency shelter,food,clothing, and support services, as well as transitional housing. Objective category: M Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): P.O. Box 970,813 North D Street Suites 3 & 4 (City, State,Zip Code): San Bernardino,CA 92402 Specific Objective Project ID Funding Sources: Number 5 CDBG $15,,000 _ CD-2 ESG $101000 HUD Matrix Code CDBG Citation HOME ---- ------------ 05G Battered and 570.201(e) HOPWA Abused Spouses Total Formula Type of Recipient CDBG National Objective Prior Year Funds _ Sub-recipient, Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding _ _ _-----,-.-- Performance Indicator Annual Units Total $25,000 01 People(General) 300 Local ID Units Upon Completion ---•--- -- The primary purpose ofthe project is to help:®the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Time for Change Foundation Activity Transitional Housing and Reentry Services Description Provides transitional housing and reentry services to women who are homeless, ex-offenders and recovering from physical and substance abuse in a sober living environment. Propose to residents to implement case management, mental health services,and drug abuse counseling. Objective category: E Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: E Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1255 East Highland Avenue,#211 (City,State,Zip Code): San Bernardino, CA 92405 Specific Objective Project ID Funding Sources: Number 6 CDBG $15,000 _ ----_-- CD-2 ESG $_10,000_ HUD Matrix Code CDBG Citation HOME �_,_-__.__-,. 05 Public Service 570.201(e) HOPWA General Total Formula _ Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient,Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA _ 07/01/2010 06/30/2011 Other Funding __ _-,-,-� _ Performance Indicator Annual Units Total $15,000 01 Peopl e(General) 65 Local ID Units Upon Completion —----The primary purpose of the project is to help:E the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30@011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project AI-Shifa Clinic, Inc. Activity Primary Health Care/Basic Dental Care Description Provides psychosocial,medical, dental and some specialty care services,free of charge, to the indigent and underserved through a network of dedicated volunteer physicians, dentists, and specialists. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 2034 B Mallory Street (City,State,Zip Code): San Bernardino,CA 92407 Specific Objective Project ID Funding Sources: Number 7 CDBG $15,000 CD-5 ESG HUD Matrix Code CDBG Citation HOME 05M Health Services 570.201(e) HOPWA _ _ Type of Recipient CDBG National Objective Total Formula _ ...........__. Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 I 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 people(General) 800 Total $15,000 Local ID Units Upon Completion The primary purpose ofthe project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities[I Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (E.p.4/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Assistance League of San Bernardino–Children's Dental Center Activity Dental Services Expansion Description Provides complete professional dental services to the children of low to very low income families in the San Bernardino City Unified School District who do not have dental insurance and are not receiving public assistance. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability. O Location/Target Area: (Street Address): 560 West 6"Street (City,State, Zip Code): San Bernardino, CA 92410 Specific Objective Project ID Funding Sources: __ _,_-- Number 8 CDBG $12,000 CD-5 ESG HUD Matrix Code CDBG Citation HOME 05M Health Services 570.201(e) HOPWA _ Type of Recipient CDBG National Objective Total Formula _..... _ — ___--- Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing ----- -------------- 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 400 Total $12,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs 4 U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Inland AIDS Project Activity Inland Aids Project Case Management Description Administers mental health, substance abuse, food voucher distribution, housing assistance, case management,and health promotion programs for men,women, children and families. Objective category: E Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: E Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1374 North Waterman Avenue (City, State, Zip Code): San Bernardino,CA 92404 Specific Objective Project ID Funding Sources: Number 9 CDBG $,10,000 _ CD-5 ESG HUD Matrix Code CDBG Citation HOME __.,_-__•-„,--�_ 05M Health Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People General 100 Total $10,000 Local ID Units Upon Completion ""”' The primary purpose of the project is to help:[]the Homeless E Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4 130/2011) .00% Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project San Bernardino Medical Center Activity Pre and Post Natal Diabetic Clinic Description Designed to improve pregnancy outcomes for women who have diabetes during pregnancy and after birth through education. Health care professional are on-hand to provide supportive and complimentary services to ensure that women and children obtain and retain quality health. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1374 North Waterman Avenue (City, State, Zip Code): San Bernardino,CA 92404 Specific Objective Project ID Funding Sources: Number 10 CDBG $10,000_ _Y- CD-5 ESG HUD Matrix Code CDBG Citation HOME 05M Health Services 570.201(e) HOPWA _ YType of Recipient CDBG National Objective Total Formula 9 Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding Of People(General) 100 Total $10,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Asian American Resource Center Activity Job Training& ESL/Civic Program Description Provide English as a Second language(ESL) and Job Training services to individuals whose English communication skills are either non-existent or lacking and increases the chances of such individuals removing themselves from isolation due to language barriers. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1115 South "E" Street (City,State,Zip Code): San Bernardino,CA 92408 Specific Objective Project ID Funding Sources: Number 11 CDBG $15,000 ......... CD-6 ESG --- - -- _ HUD Matrix Code CDBG Citation HOME _,._-_- 05 Public Service 570.201(e) HOPWA _.._......,,,_-__.,___....... General Total Formula Type of Recipient CDBG National Objective Prior Year Funds __ _ Sub-recipient,Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA _ _ __-_- 07/01/2010 06/30/2011 Other Funding _ Performance Indicator Annual Units Total $15,000 01 People(General) 350 Local ID Units Upon Completion ._........ `�" The primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0110 and Urban Development (Exp•Uas/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Boys & Girls Club of Redlands—Waterman Gardens Activity Waterman Gardens Boys & Girls Club Description Provides access to a broad range of programs in the five core areas of Character and Leadership Development,Education and Career Development,Health and Life Skills,The Arts, and Sports,Fitness and Recreation Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 402 Alder Street (City, State,Zip Code): Redlands, CA 92410 Specific Objective Project ID Funding Sources: Number 12 CDBG $5,000- CD-7 ESG --._...---- -- — HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA _ Type of Recipient CDBG National Objective Total Formula Sub-recipient Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding ------------ 01 People(General) 1,000 Total $5,000 Local ID Units Upon Completion The primary purpose of the project is to help:[]the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs i U.S. Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Boys & Girls of San Bernardino Activity Power Hour Description Provides comprehensive mentoring and tutoring designed to further enhance the math, reading, and writing skills of children in grades K through 12. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1180 West 9th Street (City, State,Zip Code): San Bernardino,CA 92411 Specific Objective Project ID Funding Sources: Number 13 CDBG $15,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME — '- 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(G eral) 130 Total $15,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0111 and Urban Development 1Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Child Advocates of San Bernardino County Activity Court Appointed Special Advocate Training Program Description Advocates on behalf of abused children through appointing CASA volunteers as stable presence in foster youth's lives,acting as a connector of various services to foster youth and families, providing legal, educational, and health care system support Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 555 North D Street,Suite 100 (City,State,Zip Code): San Bernardino,CA 92401 Specific Objective Project ID Funding Sources: Number 14 CDBG $12,000 CD-7 ESG - --....— -- HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds _ Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 180 Total $12,000 Local ID Units Upon Completion The primary purpose ofthe project is to help:❑the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing O,hta Approval No.2506-0117 and Urban Development (Exp.4130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Children's Fund, Inc. Activity Daily Referral Program Description Ensure that at-risk children who are abused, neglected,impoverished, or abandoned receive adequate food,shelter, clothing, medical care and education. The Daily Referral program is the engine through which Children's Fund meets the emergency needs of at-risk youth. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 385 North Arrowhead,2" Floor (City, State, Zip Code): San Bernardino, CA 92415 Specific Objective Project ID Funding Sources: Number 15 CDBG $12,000 CD-7 ESG _....-------------------- HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People (General) 500 Total $12,000 Local ID Units Upon Completion '*ia.r The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing ONm Approval No.2506-0117 and Urban Development (E.p.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Gang Reduction Intervention Team (GRIT) Activity Upward Bound Description GRIT provides Interaction/Awareness Classes & Upward Bound Reentry Training. Classes are 14- weeks,two-hour classes, twice a week. Topics include: Anger Management, Gang Intervention, Life Skills,Intuitional Debriefing, Sexually Transmitted Disease,Realities of Prison Life, Weapons Diversion, Drug& Alcohol Awareness, Teen Pregnancy Prevention & Education and Cardio Pulmonary Resuscitation Training& Certification. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 801 Post Street (City,State,Zip Code): Redlands, CA 92374 Specific Objective Project ID Funding Sources: Number 16 CDBG $15,000 ........................... ............—_-... CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula __-- Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA ..-.......—..........-_....... .. Performance Indicator Annual Units Other Funding __ _,-- k 01 People(General) 40 Total $15,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs O U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Project Life Impact Activity Project Life After School Learning Center Description Project Life Impact is an official CAPS Program Provider for the San Bernardino City Unified School District.The program promotes; academic achievement in curricular areas, increases daily student attendance rates, reduces student suspension and expulsion rates and develops both positive student behavior and cooperative skills. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 863 North Mountain View (City, State, Zip Code): San Bernardino,CA 92401 Specific Objective Project ID Funding Sources: Number 17 CDBG $10,00_0_ _ CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds -...............Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding __________ Units of Assistance 900 Total $10,000 Local ID Units Upon Completion �� The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project San Bernardino National Forest Association Activity Urban Youth Conservation Corps Description Prevent and/or intervene early in drug and gang violence among at-risk youth (ages 15 through 19 years old) who live in zip code areas 92411 and 92410 within the City of San Bernardino. This is achieved through weekly job readiness training and paid conservation work activities in the community, as well as on the National Forest. Objective category: M Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity O Outcome category: M Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 602 South Tippecanoe Avenue (City, State,Zip Code): San Bernardino, CA 92411 Specific Objective Project ID Funding Sources: -------- _ Number 18 CDBG $15,0.00__, CD-7 ESG -- — -- .. HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing -_-_-- 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 300 Total $15,000 Local ID Units Upon Completion A) The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs '�/ U.S.Department of Housing OMB Approval No.2506 4117 and Urban Development (Exp.4130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Santa Claus, Inc Activity Santa Claus, Inc of Greater San Bernardino Description Provides new toys,clothing,books,and quality educational materials for local underprivileged children at Christmas. Eligible parents are identified as families of the working poor primarily by the San Bernardino Unified School District. Invitations are sent to parents to"shop for free" at its warehouse Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 824 East 6" Street (City,State, Zip Code): San Bernardino,CA 92406 Specific Objective Project ID Funding Sources: _---,- „----- Number 19 CDBG $10,000 CD-7 ESG ..........---------._.._. HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA _ Performance Indicator Annual Units Other Funding Units of Assistance 14,000 Total $10,000 Local ID Units Upon Completion �� The primary purpose of the project is to help:❑the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/302011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Sinfonia Mexicana's Mariachi Youth Academy Activity Sinfonia Mexicans Mariachi Youth Academy Description Offers an extracurricular musical education to middle and high school students. in addition to teaching musical skills, this program also emphasizes the importance of a higher education and fosters strong leadership skills among its participants. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability 4 Location/Target Area: (Street Address): 562 West 4rh Street (City, State, Zip Code): San Bernardino, CA 92401 Specific Objective Project ID Funding Sources: Number 20 CDBG $10,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME __,•_---_--,_,—------ 5D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula _ Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing __-...... 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 20 Total $10,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Esp.a/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project St. John's Community Success Center Activity Safe Space Description Offers a safe site where children can come together,explore new crafts and skills,and develop positive social skills supervised by caring adults. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 2939 North Stoddard; 1407 N. Arrowhead Avenue (City,State,Zip Code): San Bernardino, CA 92405 Specific Objective Project ID Funding Sources: Number 21 CDBG $12,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding _ 01 People(General) 120 Total $12,000 Local ID Units Upon Completion \.. The primary purpose of the project is to help: El the Homeless El Persons with HIV/AIDS E] Persons with Disabilities E] Public Housing Needs U.S.Department of Housing OMB Approval No.25M.0117 and Urban Development (Esp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Youth Action Project,Inc. (YAP) Activity Youth Action Project Description Trains 50 AmeriCorp volunteers who in turn provide tutoring and coaching to local high school students needing extra assistance to pass the California High School Exit Exam. Additionally, members facilitate workshops and community-benefit projects Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 600 North Arrowhead Avenue, Suite 300 (City, State,Zip Code): San Bernardino, CA 92401 Specific Objective Project ID Funding Sources: Number 22 CDBG $15,000 ............... CD-7 ESG -- -- ......_ HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula _ Sub-reci ient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 50 Total $15,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project YMCA of San Bernardino Activity Financial Assistance/Scholarship Program Description Offers a financial assistance program for programs offered at the YMCA for families in the community that can not afford to pay for such programs. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 808 East 21"Street (City,State,Zip Code): San Bernardino,CA 92404 Specific Objective Project ID Funding Sources: Number 23 CDBG $12,000 CD-7 ESG - - -- -- HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA _ _ _ ___ Type of Recipient CDBG National Objective Total Formula _ Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/0112010 1 06/30/2011 PHA Performance Indicator Annual Units Other Funding $1 ... Units of Assistance 1,500 Total $12,000.--....------------ Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (E.p.4/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Highland District Council on Aging Activity Senior Center Description Provides a wide variety of Social,Educational, Physical,Nutritional and Transportation services to the senior population. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability 4 Location/Target Area: (Street Address): 3102 East Highland Avenue (City,State, Zip Code): Patton, CA 92369 Specific Objective Project ID Funding Sources: _ --, Number 24 CDBG $15.000 CD-8 ESG HUD Matrix Code CDBG Citation HOME 05A Senior Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Perfonnance Indicator Annual Units Other Funding Units of Assistance 4,500 Total $15,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs �+ U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Legal Aid Society of San Bernardino Activity Legal Aid Clinic Description Offers residents access to legal counsel, document preparation for family law, guardianship and conservatorship actions, education, and procedural assistance at each step of the legal process as well as educated on their rights and responsibilities. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 354 West 6" Street (City,State,Zip Code): San Bernardino,CA 92401 i Specific Objective Project ID Funding Sources: Number 25 CDBG $12,000 CD-9 ESG -- - -_—_ HUD Matrix Code CDBG Citation HOME 05C Legal Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMA Prior Year Funds _ Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA - -- -- Performance Indicator Annual Units Other Funding People(General) 370 Total $12,000 Local ID Units Upon Completion CThe primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4 130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project San Bernardino Sexual Assault Services,Inc. Activity Sexual Violence Prevention Description Provide understanding and support to victims of sexual assault/domestic violence through immediate crisis intervention,one-on-one counseling, hospital/court accompaniment, and advocacy services. 24 hours crisis hotline and prevention education programs; on site counseling and support groups to schools. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability 4 Location/Target Area: (Street Address): 444 North Arrowhead Avenue,Suite 101 (City,State,Zip Code): San Bernardino,CA 92407 Specific Objective Project ID Funding Sources: Number 26 CDBG $12,000 .._ CD-10 ESG HUD Matrix Code CDBG Citation HOME 05G Battered&Abused 570.201(e) HOPWA Spouses Total Formula _-,_--,__.__-_.,-_----•..,,_-- Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient,Private LMC Assisted Housing _-----------_-.,_,.---.,_.,-- Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $12,000 01 People(General) 1,700 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Esp.4/302011) Table 3C Consolidated Plan Listing of Projects .Jurisdiction's Name City of San Bernardino Priority Need High Project Lorine's Learning Academy/Cornerstone Christian Academy Activity Lorine's Learning Academy/Cornerstone Christian Academy Description Provides three licensed childcare programs: infant care center; preschool program and school age program. The academy is a `one-stop" childcare provider. The School Age Program(K-6th) provides transportation to and from school while on-track. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 702 West 16th Street (City,State,Zip Code): San Bernardino,CA 92405 Specific Objective Project ID Funding Sources: Number 27 CDBG $10,000 CD-11 ESG HUD Matrix Code CDBG Citation HOME 05L Child Care Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing _ _ . _ .......... 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding _ -y—_ —_ 01 People General 85 Total $10,000 Local ID Units Upon Completion .^ fhe primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Knotts Family and Parenting Institution Activity Mentoring A Life Description Assist at-risk youth with the development of behavior change,life, social and interpersonal skills.Assist foster youth in achieving excellence and becoming citizens that contribute positively to society. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1505 West Highland Avenue, Suite 19 (City, State,Zip Code): San Bernardino, CA 92411 Specific Objective Project ID Funding Sources: Number 28 CDBG _$12,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME -_--__-___-,-_, 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding _ ------- 01 People(General) 100 'Total $12,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Eap.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Fire Department Priority Need High Project Fire Department Equipment/Leases Activity Fire Equipment Description The Department staffs twelve fire engine companies,two aerial truck companies, one heavy rescue,five 4-wheel drive brush engines, one hazardous material response rig and one medic squad housed in twelve stations throughout the City Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 201 North E Street (City,State, Zip Code): San Bernardino, CA 92401 Specific Objective Project ID Funding Sources: Number 29 CDBG $445,698 I-1 ESG HUD Matrix Code CDBG Citation HOME 030 Fire Stations/ 570.201(c) HOPWA _ Equipment Total Formula Type of Recipient CDBG National Objective Prior Year Funds Local Government LMA Assisted Housing ............. _.._..__....... -.......... Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) PHA ........................................------ 07/01/2010 06/30/2011 Other Funding _ Performance Indicator Annual Units Total $445,698 Leases 1 Local ID Units Upon Completion . ...............--............. 1w The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing ON1a Approval No.250641117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Street and Street Lighting Activity Street and Street Lighting Description Projects include efforts to extend and widen streets,street resurfacing,construction of curbs, gutters, sidewalk, handicap ramps,bikeways,right of way acquisition and street lighting systems Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): City wide (City, State,Zip Code): San Bernardino, CA Specific Objective Project ID Funding Sources: Number 30 CDBG $464,417 I-2 ESG HUD Matrix Code CDBG Citation HOME _ 03K Street 570.201(c) HOPWA Improvements Total Formula - -- -. - ......_.__....--- - Type of Recipient CDBG National Objective Prior Year Funds Local Government LMA Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding --- - ---- -, Performance Indicator Annual Units Total $464,,417 Projects I Local ID Units Upon Completion -- - ------ The primary purpose of the project is to help:❑the Homeless❑Persons with HIVIAIDS❑Persons with Disabilities❑Public Housing Needs 3 U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.6130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project City of San Bernardino Activity Grow San Bernardino Fund SBA 7A Loan Program Description The SBA 7A-Grow America Fund Program provides loans to small businesses.This program is available countywide and can provide 100 percent financing for up to$1 million. The program provides long-term, fixed-rate financing which may be utilized for property acquisition, construction, building renovations or leasehold improvements, debt refinancing, capital equipment and working capital. Objective category: ❑ Suitable Living Environment ❑Decent Housing ® Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): City wide (City, State, Zip Code): San Bernardino, CA Specific Objective Project ID Funding Sources: Number 31 CDBG $50,000 ED-3 ESG ------ HUD Matrix Code CDBG Citation HOME 18A ED Direct Financial 570.203(b) HOPWA Assistance to For-Profits Total Formula -------------........--.------ Type of Recipient CDBG National Objective Prior Year Funds Local Government LMJ Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding —_ Performance Indicator Annual Units Total $50,000 Businesses 2 Local ID Units Upon Completion ---------------•----••• the primary purpose ofthe project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing oma Approval No.2506-0117 and Urban Development (Exp.42012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project City of San Bernardino Activity Section 108 Loan Repayment Description Pay off Section 108 loan that was used to relocate tenants to safe and sanitary housing,demolish structures,and make the land available to a master developer for a retail commercial center. The City is currently renegotiating a HUD Section 108 Loan for the 20-Plex movie theater(formerly known as the CinemaStar)in the amount of$9 million to repay the original HUD 108 Loan of$4.6 million and provide necessary funds for new technology upgrades and remodeling by Maya Cinemas North America,Inc. Objective category: ❑ Suitable Living Environment ❑ Decent Housing ® Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability i j Location/Target Area: (Street Address): City wide (City,State, Zip Code): San Bernardino,CA Specific Objective Project ID Funding Sources: Number 32 CDBG $410,000 ED-6 ESG HUD Matrix Code CDBG Citation HOME 19F Planned Repayment 570.204(a) HOPWA of Section 108 Loan Total Formula Principal Prior Year Funds . Type of Recipient CDBG National Objective Assisted Housing -,-,- Local Government LMJ PHA Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Other Funding 07/01/2010 06/30/2011 Total $410,000 Performance Indicator Annual Units Jobs created/retained 475 ""-""""..... Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with Hlv/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (E.p.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project CDBG Program Administration Activity CDBG Program Administration Description CDBG program development,implementation,financial management, monitoring,review of sub- recipient reporting, plan preparation, noticing, training, IDIS reporting, and consultant services to update 5-year Consolidated Plan and Analysis of Impediments to fair housing. Objective category: ❑ Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ❑ Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 300 North D Street (City, State, Zip Code): San Bernardino, CA 92418 Specific Objective Project ID Funding Sources: Number 33 CDBG $210,000 F ESG HUD Matrix Code CDBG Citation HOME ............................... ...._ 21A General Program 570.206 HOPWA Administration --.-...------- Total Formula Type of Recipient CDBG National Objective Prior Year Funds �^ Local Government - - - Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding __ Performance Indicator Annual Units Total $21-6,000 - Local ID Units Upon Completion -- -•---- --- ------- The primary purpose of the project is to help:❑the Homeless❑Persons with H1V/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project HOME Program Administration Activity HOME Program Administration Description HOME program development,implementation,financial management,monitoring, review of sub- recipient reporting,plan preparation, noticing,training,IDIS reporting, and consultant services to update 5-year Consolidated Plan and Analysis of Impediments to fair housing. Objective category: [-] Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity .. ... Outcome category: ❑ Availability/Accessibility ❑ Affordability ❑ Sustainability, Location/Target Area: (Street Address): 300 North D Street (City, State,Zip Code): San Bernardino,CA 92418 Specific Objective Project ID Funding Sources: Number 34 CDBG _,.,_--_,•,-_!_—_-,-_ F ESG _......_ HUD Matrix Code CDBG Citation HOME $169,838 2 1 A General Program 570.206 HOPWA Administration Total Formula Type of Recipient CDBG National Objective Prior Year Funds Local Government Government Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding _ _ ____ Performance Indicator Annual Units Total $169,838 Local ID Units Upon Completion -........--.......---.-..._............. The primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project ESG Program Administration Activity ESG Program Administration Description ESG program development,implementation,financial management, monitoring, review of sub-recipient reporting, plan preparation, noticing, training, IDIS reporting,and consultant services to update 5-year Consolidated Plan and Analysis of Impediments to fair housing. Objective category: ❑ Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ❑ Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 300 North D Street (City, State, Zip Code): San Bernardino, CA 92418 Specific Objective Project ID Funding Sources: Number 35 CDBG _ F ESG HUD Matrix Code CDBG Citation HOME 2 1 A General Program 570.206 HOPWA --- -- - Administration ---......----------....__ Total Formula Type of Recipient CDBG National Objective Prior Year Funds Local Government Assisted Housing Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) pgA ----------------------.._..-.. 07/01/2010 06/30/2011 """---'-" Other Funding Performance Indicator Annual Units Total $7,911 __.._ Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Code Compliance Neighborhood Revitalization Activity Code Compliance Neighborhood Revitalization Description Code Compliance strives to improve the residential environment by demolishing the most blighted, substandard and hazardous buildings. The focal point will be on buildings that have been vacant for an extended period of time, have deteriorated and become a public nuisance and have lost their viability for reuse. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ❑ Availability/Accessibility ❑ Affordability ® Sustainability - Location/Target Area: (Street Address): 300 North D Street (City,State,Zip Code): San Bernardino,CA 92418 Specific Objective Project ID Funding Sources: Number 36 CDBG $1,727,646 _ H-4 ESG -- _- - HUD Matrix Code CDBG Citation HOME _ 15 Code Enforcement 570.202 c HOPWA Type of Recipient CDBG National Objective Total Formula _ Local Government LMH Prior Year Funds —_----- Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding Housing Units 5,000 Total $1,727,646 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Erp.4/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Neighborhood Housing Services of the Inland Empire Activity Homebuyer Education Description Some new homebuyers and existing owners are not properly informed of the responsibilities of homeownership and could greatly benefit from educational programs on credit,lending and home maintenance topics.The City contracts with Neighborhood Housing Services of the Inland Empire (NHSIE)to provide educational programs. r^ " Objective category: ❑ Suitable Living Environment ®Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1390 North D Street (City, State,Zip Code): San Bernardino, CA 92405 Specific Objective Project ID Funding Sources: Number 37 CDBG .................... ...- H-5 ESG HUD Matrix Code CDBG Citation HOME $480,000_ 13 Direct 570.201 (n) HOPWA w_ -- Homeownership Total Formula �_.-...._.__.___...._. Assistance Prior Year Funds ._....---...._-.---------- Type of Recipient CDBG National Objective Assisted Housing Sub-recipient,Private LMH PHA -.................. — '"—'-- Start Date (mm/dd/yyyy) Completion Date (mm/dd/yyyy) Other Funding __________ 07/01/2010 06/30/2011 Total $480,000 Performance Indicator Annual Units 01 People General 300 __....._...-.......___......... _----.. Local ID Units Upon Completion The primary purpose of the project is to help:❑ the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4 130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Inland Fair Housing and Mediation Board Activity Fair Housing/Landlord Tenant Program Description The City contracts with the Inland Fair Housing Mediation Board to provide education, dispute resolution, and legal advising services to San Bernardino owners,landlords,and tenants in conflict. Objective category: ❑ Suitable Living Environment ®Decent Housing.. ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 560 North Arrowhead Avenue, Suite 7A (City,State,Zip Code): San Bernardino, CA 92401 Specific Objective Project ID Funding Sources: Number 38 CDBG $532000 H-12 ESG --- - - ---- HUD Matrix Code CDBG Citation HOME _......- 05J Fair Housing 570.201 (e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMA Prior Year Funds Start Date (mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding _ _ ._,_-,___- 01 People(General) 150 Total $53,000 Local ID Units Upon Completion The primary purpose ofthe project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs O U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Central City Lutheran Mission Activity Winter Shelter Description The Mission operates an annual winter shelter for homeless men.It is currently the only place in the City of San Bernardino where homeless men are welcomed for the evening.Funds will be used for operations and maintenance. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1354 North "G" Street (City, State, Zip Code): San Bernardino, CA 92405 Specific Objective Project ID Funding Sources: Number 39 CDBG CD-1 ESG $15,823 HUD Matrix Code CDBG Citation HOME 3C Homeless Facilities 570.201 c HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd yyyy) Completion Date(mm/dd yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 100 Total $15,823 Local ID Units Upon Completion ,y,. The primary purpose of the project is to help:®the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506AI 17 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Foothill AIDS Project Activity Homeless Advocacy Program(HAP) Description Foothill AIDS Project's Homeless Advocacy Program (HAP)acts on behalf of clients and is responsible for maintaining correspondence and relationships with property owners to build a strong network of affordable housing options for individuals and families who are homeless and/or at risk of homelessness. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 364 Orange Show Lane (City,State,Zip Code): San Bernardino,CA 92408 Specific Objective Project ID Funding Sources: Number 40 CDBG CD-1 ESG HUD Matrix Code CDBG Citation HOME _ 5 Public Service 570.201 (e) HOPWA (general) Total Formula _-_-___.--_-....__-_. Type of Recipient CDBG National Objective Prior Year Funds _ Sub-recipient, Private LMC Assisted Housing --- - _-�_-_- Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $16,800 01 People(General) 20 Local ID Units Upon Completion .............-............ _.....--..._.._. The primary purpose of the project is to help:®the Homeless® Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2611) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Rehabilitation/Renovation of Emergency Shelters Activity Rehabilitation/Renovation of Emergency Shelters Description This program will provide funding for some much needed rehabilitation of the City's emergency shelters. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): Citywide (City, State, Zip Code): San Bernardino, CA Specific Objective Project ID Funding Sources: Number 41 CDBG CD-1 ESG $50,072 HUD Matrix Code CDBG Citation HOME 3C Homeless Facilities 570.201 c HOPWA Type of Recipient CDBG National Objective Total Formula Local Government LMA Prior Year Funds Start Date mm/dd ( yyyy) Completion Date(2n2n/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units — Other Funding Facilities 1 Total $50,072 Local ID Units Upon Completion �. The primary purpose of the project is to help:0 the Homeless❑Persons with HIV/AIDS E] Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Eap.4130/2011) ,Was Table 3C Consolidated Plan Listing of Projects .Jurisdiction's Name City of San Bernardino Priority :Need High Project Salvation Army Activity Hospitality House Description Hospitality House is an emergency shelter for homeless families and for mothers with children.During winter months, the shelter also accommodates homeless men.The facility has a total capacity of 70 beds and offers a 14-day emergency stay. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 845 West Kingman Street (City, State, Zip Code): San Bernardino, CA 92410 Specific Objective Project ID Funding Sources: Number 42 CDBG CD-1 ESG HUD Matrix Code CDBG Citation HOME 5 Public Service 570.201 (e) HOPWA (general) Total Formula Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient,Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding —17,471 ...--..._......._. Performance Indicator Annual Units Total $17,471 01 People(General) 1,000 Local ID Units Upon Completion -..._....-.-...._.................... - The primary purpose of the project is to help:®the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs `�/ U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Operation Crace Activity Homeless Prevention and Food Distribution Program Description Operation Grace provides transitional and emergency shelter,low-income housing,food distribution, referrals,and job training, and case management. The organization also provides counseling for clients recovering from drug addiction. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1595 East Art Townsend Drive (City, State,Zip Code): San Bernardino, CA 92408 Specific Objective Project ID Funding Sources: Number 43 CDBG CD-2 ESG $7,500 HUD Matrix Code CDBG Citation HOME 5 Public Service 570.201 (e) HOPWA (general) Total Formula Type of Recipient CDBG National Objective Prior Year Funds _ Sub-recipient, Private LMC Assisted Housing ^r Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $7,500 01 People(General) 6 Local ID Units Upon Completion ----------------------------- The primary purpose of the project is to help:®the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs i 4 4 Appendix E: Proof of Publication SAN BERNARDINO COUNTY SUN T.,�1P 4030 N GEORGIA BLVD,SAN BERNARDINO,CA 92407 Telephone(909)889-9666 1 Fax(909)885-1253 Lisa Connor/ShereeMeler ECONOMIC DEVELOPMENT AGENCY-CI SBSd:1773673 201 NORTH E ST #301 CITY OF SAN BERNARDINO COMMUNITY NEEDS, SAN BERNARDINO, CA - 92401 HOUSING,Fair Housing Workshop Thursday January 21,2010 6:80 v.m. The City of San Bernardino Invites Your Participation In a workshop to discuss 6 community development, PROOF OF PUBLICATION The`Clty cf San Bernardino receives nearly$5.5 m1llton annually from the federal government for housing, (20155 C.C.P) commuoffv development, and Infrastructure projects. We need Your Stare of Cslhornie input to help determine housing and community needs in Your cOmmunav County of SAN BERNARDINO )ss for future funding. In addition, we Invite You to discuss any fair housing concerns you may have.Fair Housing Notice Type: GPNSB-GOVERNMENT PUBLIC NOTICE-S8 re ogndlesiuof mcce color pousing orPgin, ancestry, rellolon, sex, tllsabllity, familial status, marital Ad Description:5 year Implementation Plan Meeting status, source of Income, or sexual orientation. This workshop will be held as port of the Community Development Citf:ens Advisory Committee meeting held at: City of San Bernardino Economic Development Agency I am a citizen of the United States and a resident of the State of Caliform i am EDA Board Room(Third Floor) over the age of eighteen years,and not a party to or Interested in the above -If you require special arrangements, entitled matter.I am the principal clerk of the printer and publisher of the SAN please contact BERNARDINO COUNTY SUN,a newspaper published In the English language the Economic Development Agency at in the city of SAN BERNARDINO,county of SAN BERNARDINO,and adjudged (909)663-1044 a newspaper of general circulation as defined by the laws of the State of 3BS-1773673# California by the Superior Court of the County of SAN BERNARDINO,State of California,under date 082011952,Case No.73084. That the notice,of which the annexed is a pdnted copy,has been published In each regular and entire Issue of said newspaper and not In any supplement(hereof on the following dates,to-wit: 01/11/2010,01/182010 Executed on'.01/182010 At Los Angeles,California I certify (cr declare) under penalty of perjury that the fomficing Is We and correct. I Jan �� 9 Signature II I I II III II II (III (I I I II III Ilill l III * A 0 0 0 0 0 1 5 1 1 3 7 8 Proof of Publication (201.155 C.C.P.)q STATE OF CALIFORNIA. SS County afSaa Bernardino., I declare upder penalty of penury that: I am a dtiren of the United States and a resident of the County aforesaid:I am over the age of eighteen years,and not a party to nor interested in the above entitled matter. 1 am the principal clerk of the printer of the RL Chicano Community Newspaper,a nevspaper printed and published weekly in the City of San Bernardino,County of San Bernardino and which newspaper has petitioned the Superior - Court of said county for determination as a nevspaper of general circulation being use no.154019,dated May,1,1972,that the Notice ` of Apppplication for Determination as a Nevspaper of General s Circulabon and Petition for Determination as a Newspaper of General Circulation, of which the annexed is a printed copy,has -been published in each regular and entire issue of said newspaper and not in any supplement thereof on the following dates,towit: _J January 14,21,2010 Gjiy 01 San tlofnafd ln0 1 certify under penalty of perjury that the foregoing is true and ' Housing, Community Needs, and Fair Housing Workshop- = correct. _ Thursday January 21, 201(1 Dated:January 21,2010 6:30.p.rn. City of Son Belnardmo mvifea your participation Ina work- #hop to tliacBSefommuJl!lYtl#veloPLnan bSygslpg,�Salrhoue�-^ 53 elute I #U►i"'' `; lrsn--wa r 4xs Tfie Cary of San 0 . -p0 p i roan 11��f1E iedeml gone jSlrgtM(4yHmfe " Bf] hraetmcture P 71e1, f1oJpf§m114#lJ e{iucommunity ]1 oSnStu tytWltYgisftilUtt ..... we invite you i fair iRust concbm# ma hme Ealr Fltiusing mealte„� y Y¢pard for nalionai origi0t j status,source :. g$]=or(ah�(ton, workshop part cif the Commugll BVebprrfant Cifizens Advisory ,iMea`mealing held at: It of San Bernardino 6eA7iofiic Development.Agency 201 North E St. EDA Board Room,Third Floor) - - 11 you require special arrangements,please mni act the Economic Development 14#00ye!(S09663 1044 El Chicano Newspaper P.O.Box 6247 San Bernardino,California 92412-6247 Phone(909)381-9898 1 384-0406 FAX SAN BERNARDINO COUNTY SUN m:specovsmasumparor 4030 N GEORGIA BLVD,SAN BERNARDINO,CA 92407 Telepnone(909)889-9866 I Fax(909)885.1253 Lisa Connor ECONOMIC DEVELOPMENT AGENCY-CI SBS#:1763525 201 NORTH E ST#301 PUBLIC NOTICE SAN BERNARDINO, CA- 92401 CITY CONSOLIDATED POLAN AND 2010.2011 ANNUAL PLAN OF ENTITLEMENT FUNDS BLOCK NITV GRANEVELOPHOME INVESTMENT PARTNERSHIPS PROOF OF PUBLICATION GRANT PROGRRAMSY SHELTER Nonce Is hereby given that the Community Development Citizens (2015.5 C.C.P.) Advisory Committee ("COCAC") will Conduct a Public Hearing to Interview applicants, deliberate and determine State of California ) funding recommendations for the County of SAN BERNARDINO )w Mayor and Common Council of the City of San Bernardino for the 2011E 2011 Community Development Block Notice Type: GPNSB-GOVERNMENT PUBLIC NOTICE-SB Grant portion of the Annual Plan, The Hearing wtll be held at 8:30 a.m., on February 8, 2010 at the Economic Development Agency located at 201 Ad Desorption:CDBG Hearings North•E•Street,Suite 301 In the City of San Bernardino. The COCAC will also discuss and receive comment(s) on the proposed 2010-2011 Annual Action Plan. Any Interested citizen wishing to comment an the Hearing or the I am a diner,of the United States and a resident of me State of California;I am Preparation of the Draft Consolidated over the age of eighteen ears,and not a party to or Interested In the above Plan may do so by written comments 9 (lit Y no later than 3:00 P.m.,on February 5, entitled matter.l am the principal clerk of the printer and publisher of the SAN 2010. BERNARDINO COUNTY SUN,a newspaper published in the English language 1/2M0 in the city of SAN BERNARDINO,county of SAN BERNARDINO,and adjudged SBS-1783S26t - a newspaper of general clmuldon as defined by the laws of the State of California by the Superior Court of the County of SAN BERNARDINO,State of California,under date 06/2011952,Case No.73D84. That the nortce,of which the annexed is a printed copy,has been published In each regular and entire Issue of said newspaper and not In any supplement thereof on the following dates,to-wit: 01/25/2010 Executed On:01/1612010 At Los Angeles,California I certify(or declare) under penalty of pedury that the foregoing is true and correct. Signature 11 1111111111111 Ell 11 11$P11 11111111 * A 0 0 0 0 0 1 5 2 0 5 6 4 * SAN BERNARDINO COUNTY SUN lna wxn irc wrezumv navy 4030 N GEORGIA BLVD,SAN BERNARDINO,CA92407 Telephone(909)889-9666 I Fox(909)685-1253 Lisa connor/Sheree Meier ECONOMIC DEVELOPMENT AGENCY-CI SBS/:1807761 201 NORTH E ST #301 PUBLIC NOTICE CITY OF SAN BERNARDINO SAN BERNARDINO, CA-92401 2910.2015 CONSOLIDATED PLAN AND 2016-2011 ANNUAL PLAN OF ENTITLEMENT FUNDS COMMUNITY GRANT DEVELOPMENT I BLOCK VESTMENT PARTNERSHIPS AND EMERGENCY SHELTER PROOF OF PUBLICATION ORANTPROGRAMS Notice Is hereby given that the . Community Development Citizens (2015.5 C.C.PJ Advisory Committee will conduct a Public Hearing to review the proposed draft Consolidated Plan for the Mayor State of Caarornis ) and Common Council of the City of San County of SAN BERNARDINO )ss Bernardino. The Hearing will be held at 6:0D P.m., on March 25, 2010 at the Economic Nodce Type: OPNSB-GOVERNMENT PUBLIC NOTICE-SB Development Agency located of 201 North•E•Street,Suite 301 in the City M San Bernardino. Any Interested citizen wishing to Ad Description:2010-2015 Consolidated Plan comment on the Hearing Draft Consolidated Plan may do So by s1 written comments no later than 3:00 NOTICE given is 39a day of Marti 2010. I am a citizen of the United Slates and a resident of the State of California;I am 3/9A0 SBS4907761d over the age of eighteen years,and not a party to or Interested in the above Shifted matter.I am the princlpal clerk of the printer and publisher of the SAN BERNARDINO COUNTY SUN,a newspaper published in the English language In the city of SAN BERNARDINO,county of SAN BERNARDINO,and ad)udged a newspaper of general c1mulaton as defined by the laws of the State of California by the Superior Can of the County of SAN BERNARDINO,State of California,under date 062011952,Csse No.73084. That the notice,of which the annexed Is s printed copy,has been published in each regular and entire issue of said newspaper and not in any supplement thereof on the following dates,to-wit: 03/09/2010 Executed on:03109/2010 At Los Angeles,California I certify (or declare) under peneay of pwrJury that the foregoing Is true and correct. }�iG%ff4 Signature II 1 IIII IIIIIII IIIAII III VIII IIIIIIIIIIIIIII VIII IIIIII III * A 0 0 0 0 0 1 5 8 1 7 8 6 CALIFORNIA NEWSPAPER SERVICE BUREAU DAILY JOURNAL CORPORATION Mailing Address:915 E FIRST ST,LOS ANGELES,CA 90012 Telephone(213)2295300/Fax(213)229-5481 Visit us @ W W W.DAILYJOURNAL.COM Lisa Connor ECONOMIC DEVELOPMENT AGENCY-CITY SBS# 1823030 201 NORTH E ST#301 PUBLIC NOTICE SAN BERNARDINO, CA 92401 2010-2015000NSOLIDA ED l PLAN AND 2010-2011 ANNUAL PLAN OF ENTITLEMENT FUNDS 2010-2015 COPY OF NOTICE ANALYSIS IMPEDIMENTS TO FAIR HOUSING ING CHOICE COMMUNITY DEVELOPMENT BLOCK GRANT, HOME INVESTMENT PARTNERSHIPS AND EMERGENCY SHELTER GRANT PROGRAMS CITY OF SAN Notice Type: GPNSB GOVERNMENT PUBLIC NOTICE-SB DEVELOPM ECONOMIC ENT AGENCY p Con Plan NOTICE IS HEREBY GIVEN that Ad Descn tion the Mayor and Common Council will holds Public Hearing on Monday, May 3, 2010 of 4:30 p.m., or shortly thereafter, in the City Council To the right is a copy of the notice you sent to us for publication in the SAN Chamber, to receive oral and written BERNARDINO COUNTY SUN.Please read this notice carefully and call us comments on the draft 2010-2015 Five with any corrections.The Proof of Publication will be filed with the County Year Consolidated Plan, the 2010-2011 Clerk,if required,and mailed to you after the last date below.Publication Annual Consolidated Plan, and 9 Y Analysis of Impediments to Fair date(s)for this notice is(are): Housing Choice. CONSOLIDATED PLAN SUMMARY - The Consolidated Plan Is a comprehensive five-year strategy that addresses the use of local funds, federal grant entitlement funds (such 03/30/2010,04/18/2010 as Community Development Block Grant (CDBG) Program, HOME Investment Partnership Act Program (HOME), and Emergency Shelter Grant (ESG) Program) for the purpose of meeting the goals of The charge(s)for this order is as follows. An invoice will be sent after the last providing dKent housing, a suitable date of publication. If you prepaid this order in full,you will not receive an invoice. 'icing is pportuni and expanded economic OPPOrtapiti¢5, pNOCiP011Y Publication $1755.60 for low-and moderate-income persons. The Consolidated Plan is composed of Total $1755.60 three parts: 1) The first section of the Consolidated Plan evaluates the Housing and Community Development Needs and includes an assessment of housing needs for very low, and low- and moderate-income, Including the needs at the homeless population. In addition, a housing market analysis was completed that includes a review California Newspaper Service Bureau/Daily Journal Corporation of housing conditions.2) Based on this information,a five-year strategic plan Serving your legal advertising needs throughout California. was developed which includes Priorities for assisting categories of residents by income level, objective LOS ANGELES (213 229-5300 statements, proposed programs, as well as expected accomplishments OAKLAND (51()272-4747 within the next five years. 3) An RIVERSIDE (951 784-0111 Annual Action Plan was developed that provides a One-year investment SACRAMENTO (816)444-2355 plan and outlines intended use of resources,sets goals for the number of SAN DIEGO (818)232-3486 individuals and families to be assisted SAN FRANCISCO (800)640-4829 by income level, and describes BAN JOBS (408)287 4866 activities to be undertaken.At least 70 Percent of the total funds received SANTA ANA (714)543-2027 each year are allocated to activities SANTA ROSA (707)5451166 benefiting low- and moderate-income persons. III III II II II III III III I II I II I II • A 0 0 0 0 0 1 6 0 5 3 8 1 ANNUAL ACTION PLAN - The Project allocations will be adjusted $12,500; 6) Servant's Heart Outreach Annual Action Plan combines the accordingly. (FY08-09), $10,250; 7) Westside annual application and reporting for It is estimated that the City will Brighter Vision (FY08-09), $179.62; 8) three federal grant programs; CDBG; receive $3,602,903 In CDBG funds, Youth Hope (FY0849), $310.72. Total HOME, ESG, Section 108 Loan $1,709,310 in HOME funds, $155,989 in reallocation of funds: $431,463.60. The Guarantee, Float Loans and other ESG funds for FY 2010-2011. Proposed $431,463.60 in reallocatedCDBG funds grants. Per the City's Citizen Projects for each funding source, are Proposed to be allocated as Participation Plan component of the effective July 1, 2010, are outlined follows: 1) Code Enforcement Consolidated Plan, the Community below: Demolition (FY10-11), $200.000.00; 2) Development Citizen Advisory 1. Comma Pi Deme10 BIO Target Area Street Improvements Committee(CDCAC) "ton February (FY1 0-11),$231,463.60. 8, 2010 to consider projects and 1 A Shifo Clinic, Inc., $15,000; T) IV. HOME In estment Partnership activities for use of federal funds.The Asian American Resource Center, Act ron ecommen a ons CDCAC's recommendations to the $15,000; 3) Assistance League of Son Mayor and Common Council are Bernardino, $12,000; 4) Boys 8, Girls We fo owing are the proposed incorporated into the draft Annual Club of Redlands, $5,000; 5) Boys & allocations from the $1,709,310 in Action Plan and will be considered by Girls Club of San Bernardino,$15,000; federal HOME Investment the Mayorand Common Council at the 6) Central City Lutheran Mission, Partnership Act: 7) HOME Public hearing for the Annual Action $12,000; 7) Child Advocates of SB Administration (10%), $170,931; 2) Plan. County, $12,000; 8) Children's Fund, HOME to Qualified Community ANALYSIS OF IMPEDIMENTS TO Inc.. $12,000; 9) Frazee Community Housing Dev Ore. (15%), $256,396; 3) FAIR HOUSING (AI) -The City has Center, $12,000; 10) Gang Reduction Homebuyer Assistance Program and undertaken an analysis of Potential Intervention Team, $15,000; 11) Education, $480,000; 4) CHDO impediments that may affect fair Highland District Council,$15,000; 12) Operations and Capacity Building housing choice in the city based on Home of Neighborly Service, $15,000; (5%), $85,465; Other Housing race, color, ancestry, national origin, 13) Inland AIDS Project, $10,000; 14) Programs/Activities,$716,518. religion, sex, disability, familial Knotts Family and Parenting Inst., V. Emergencv Shelter Grant (ESG) status, marital status, source of $12,000; 15) Legal Aid of San RecommenTrditgns income, sexual orientation, or any Bernardino, $12,000; 16) Lorine's T ee towo in9 are the proposed arbitrary factor. The Al reviews and Learning Academy, $10,000; 17) allocation from the $155,989 in analyzes the following information and Mary's Mercy Center, $15,000; 18) Emergency Shelter Grant funds: 1) issues/concerns: Analysis of the city's Option House,Inc.,$15,000;19) Project Central City Lutheran Mission demographic Profile, income Life Impact, Inc., $10,000; 20) Son (Operations/Maintenonce), $15,598; 2) distribution, housing stock Bernardino Medical Center, $10,000; Foothill AIDS Project (Homeless characteristics, and access to Public 21) San Bernardino National Forest Prevention, $16,800; 3) Frazee transportation to determine the Assoc, $15,000; 22) San Bernardino Homeless Shelter (Homeless development of housing patterns in Sexual Assault Services, $12,000; 23) Prevention),$12,660;4) Mary's Mercy relation to race,ethnicity,income,and Santa Claus, Inc.,$10,000; 24) Sinfonia Center (Essential Services), $10,000; other characteristics; Evaluation of Mexican, $10,000; 25) St. John's 5) Operation Grace (Homeless fair housing complaints and violations Community Success Center, $12,000; Prevention), $7,500; 6) Option House, to identify trends and Patterns; 26) Time for Change Foundation, Incorporated (Essential Services), Analysis of public and private $15,000; 27) YMCA of San Bernardino, $10,000; 7) Salvation Army (Essential activities that may impede fair $12,000; 28) Youth Action Project, Services), 16,796; 8) Time for Change housing choice in the City including, $15,000;Sub-Total$350,000. (Essential Services), $10,000; 9) ESG but not limited to: Housing brokerage II. G nerol Proposed Prat cis- Administration, $7,800; 10) services and financing assistance; City/ a^.om men a on9 S48,835. services Public policies and actions affecting ity a 6n orcemen , L542,646; PAST USE OF FUNDS - Information the construction of affordable housing; 2) City Fire Department Leases, on the City's past use of CDBG, and Administrative policies $375,698; 3) National Development HOME, and ESG funds may be found concerning community tlevelopment Corporation, $50,000; 4) Fair Housing of the City of San Bernardino, and housing activities; Assessment of (Mandatory), 553,000; 5) Section 108, Economic Development Agency current public and Private fair housing $410,000; 6) Target Area Street Office. Programs and activities; Provision of Improvements, $421,559; 7) Other DISPLACEMENT OF LOW- TO conclusions and recommendations to Public Services, $137,000; CDBG MODERATE-INCOME furtherfair housing choice in the City. Administration, $210,000; 8) HOUSEHOLDS - If displacement THE ANNUAL ACTION PLAN Unprogrammed CDBG$53,000, occurs, the City or Agency will CONTAINS THE FOLLOWING 111. Reprogramming of CDBG Funds implement and comply with Policies PROPOSED PROJECTS: Funs are Proposed To as and Procedures consistent with State The estimated federal fund allocations reprogrammed from projects and Federal relocation and acquisition stated below are estimates and based Completed under budget and/or statues. upon the amount the City received last cancelled activities or projects from PLAN AVAILABILITY - The draft Year. For this year's application the following projects: 1) East King St Five Year Consolidated Plan, Annual Purposes only and depending on the Improvements (FY05-06), $200,000.00; Action Plan and Al will be available 2010-2011 HUD allocation of funds, 2) YWCA Install Security Fence for public review and comment from these estimates of the federal (FY05-06), $49,723.26; 3) Operation March 30, 2010 through April 30, 2010, allocation may be reduced or Phoenix Expansion (FY07-08), in the following locations: increased depending on HUD's final $146,000.00; 4) Miracles in Recovery Feldheym 6ibrary: approved budget. As a result, all (FYDB-09), $12,500; 5) Provisional 555West6 Street Educational Services (FY08-09), 0 City of San Bernardino,City Cberk's Office:300 North"D"Street,2" Floor Economic Development Agency:201 North"E"Street,Suite 301 In compliance with the American with Disabilities Act, if you require special assistance to Participate in this meeting, Please coil (909) 663-1044, 48 hours Prior to the meeting to ensure that accommodations can be made. This notice Is Prepared in compliance with the Citizen Participation Plan and 24 CFR 91-105 and 570 and 570.302 CDBG Implementing Regulations. Oral and written comments may be directed and Provided not later than 3:00 P.m., Thursday, April 30, 2010 to the City of San Bernardino, Economic Development Agency, 201 North 'E" Street, Suite 301, San Bernardino, California 92401, (909) 663-1044,or oral comments may also be made at the Public hearing on Monday,May 3,2010 a14:30 p.m. NOTICE given this 241h day of March 2010. 3130,4118110 SBS-1823030# �� 3 i i i City of San Bernardino Economic Development Agency 201 North E Street, Suite 301 San Bernardino, CA 92401 Aft [ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE] 4 This page left intentionally blank. City of San Bernardino 2010-2015 Analysis of Impediments to Fair Housing Choice March 2010 City of San Bernardino Economic Development Agency 201 North E Street, Suite 301 San Bernardino, CA 92401 (P) (909) 663-1044 (F) (909) 888-9413 i i i (A) V This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice Signature Page I, , hereby certify that this San Bernardino Regional Analysis of Impediments to Fair Housing Choice represents 's conclusions about impediments to fair housing choice, as well as actions necessary to address any identified impediments. Name Date © Title 4 This page left intentionally blank. i City of San Bernardino Analysis of Impediments to Fair Housing Choice Table of Contents Chapter1: Introduction ....................................................................................... 1 A. Purpose of the Report..................................................................................... 1 B. Legal Framework ...........................................................................................2 C. Fair Housing Defined ......................................................................................4 D. Impediments Defined......................................................................................4 E. Scope of Analysis.......................................................................................... 5 F. Lead Agency and Funding Sources................................................................... 5 G. Data and Methodology ................................................................................... 5 H. Organization of the Report .............................................................................. 6 I. Public Participation.........................................................................................7 Chapter 2: Community Profile ............................................................................ 15 A. Demographic Profile..................................................................................... 15 B. Income Profile ............................................................................................. 21 C. Household Profile......................................................................................... 24 D. Special Needs Populations ............................................................................ 25 E. Housing Profile............................................................................................ 32 F. Housing Costs and Affordability..................................................................... 36 G. Public and Assisted Housing Profile................................................................ 40 H. Community Facilities.................................................................................... 43 I. Licensed Community Care Facilities................................................................44 J. Public Transportation....................................................................................47 Chapter 3: Lending Practices.............................................................................. 51 A. Background................................................................................................. 51 B. Conventional Home Loans............................................................................. 52 C. Government-Backed Home Loans................................................................... 59 D. Major Lenders Serving San Bernardino............................................................. 60 E. Lending by Census Tract and Tract Characteristics............................................ 63 F. Sub-Prime Lending ....................................................................................... 64 G. Purchased Loans.......................................................................................... 66 H. Predatory Lending........................................................................................ 67 I. Refinancing................................................................................................. 69 J. Foreclosures................................................................................................ 70 Chapter 4: Public Policies................................................................................... 73 A. Policies and Programs Affecting Housing Development ..................................... 73 B. Variety of Housing Opportunities ................................................................... 78 C. Building, Occupancy, Health and Safety Codes................................................ 84 D. Affordable Housing Development................................................................... 85 E. Policies Causing Displacement or Affect Housing Choice of Minorities and Persons withDisabilities........................................................................................... 89 F. Equal Provision of and Access to Public Services ............................................. 91 G. Access to Transit......................................................................................... 91 H. ADA Compliant Public Facilities (Section 504 Assessment) ............................... 92 Table of Contents City of San Bernardino Analysis of Impediments to Fair Housing Choice I. Local Housing Authority ............................................................................... 92 J. Community Participation............................................................................... 93 K. Housing and Community Development Policies and Programs............................ 96 L. Administrative Policies................................................................................ 101 Chapter 5: Fair Housing Practices ..................................................................... 103 A. Fair Housing Practices in the Homeownership Market..................................... 103 B. National Association of Realtors° (NAR)........................................................ 108 C. California Department of Real Estate (DRE) ................................................... 109 D. California Association of Realtors® (CAR)...................................................... 109 E. Local Realtor® Associations......................................................................... 110 F. Fair Housing Practices in the Rental Housing Market....................................... 110 G. Fair Housing Services................................................................................. 114 H. Fair Housing Statistics................................................................................ 116 I. Testing..................................................................................................... 119 J. Hate Crimes.............................................................................................. 119 K. NIMBYism ................................................................................................ 120 Chapter 6: Progress Since 2006....................................................................... 123 A. Expanding Affordable Housing Opportunities ................................................. 123 B. Rehabilitation Assistance .......m.........m..........................................m............... 124 C. Public Policies and Programs Affecting Housing Development.......................... 125 D. Access to Financing................................................................................... 126 E. Fair Housing Services and Outreach ............................................................. 126 w Chapter 7: Impediments and Recommendations.m...........................m...m................ 129 J A. Continued Impediments and Recommendations.............................................. 129 B. Updated or New Impediments and Recommendations..........m.......................... 130 Appendix A: Public Outreach Appendix B: HMDA by Census Tract Appendix C: County HMDA Tables Table of Contents ii City of San Bernardino Analysis of Impediments to Fair Housing Choice List of Tables Table 1 : Community Development Needs Survey Results....................................... 13 Table 2: Documented and Projected Population Growth ......................................... 16 Table 3: Persons by Age San Bernardino - 2000 and 2008..................................... 17 Table 4: San Bernardino Race or Ethnicity - 2000 and 2008................................... 18 Table 5: Race and Ethnicity by Person and Household - 2008................................. 18 Table 6: Racial Integration 2000......................................................................... 19 Table 7: HUD Income Definitions ........................................................................ 21 Table 8: Household Income by Race/Ethnicity - 2000 ............................................ 22 Table 9: 2008 Annual Average Unemployment Rate.............................................. 22 Table 10: San Bernardino City/County Household Type and Size - 2008 .................. 24 Table 11 : Elderly Profile..................................................................................... 25 Table 12: Low Income Senior Housing in the City of San Bernardino ....................... 26 Table 13: Disability Types found in Adult Civilian Population (Aged 18+) - 2008...... 27 Table 14: Large Household Profile....................................................................... 29 Table 15: Homeless Partnerships ........................................................................ 31 Table 16: Housing Growth - 2000-2009.............................................................. 32 Table 17: Housing Type - 2009.......................................................................... 33 Table 18: Housing Tenure - 2008 ....................................................................... 33 Table 19: Age of Housing Stock - 2008 .............................................................. 34 Table 20: Housing Stock Deficiencies - 2008 ....................................................... 34 Table 21 : Number of Units with LBP Occupied by Low/Moderate Income Households 36 Table 22: Median Home Prices 2009................................................................... 36 Table 23: San Bernardino County Housing Affordability ......................................... 38 Table 24: Housing Cost by Tenure - 2000 ........................................................... 38 Table 25: San Bernardino City/County Overcrowding - 2008.................................. 39 Table 26: San Bernardino Overcrowding by Tenure Type - 2008............................. 39 Table 27:. Public Housing Resident Demographics ................................................. 41 Table 28: Demographics of Housing Choice Voucher Participants and Waiting List.... 42 Table 29: Federally Assisted Multi-Family Housing ................................................ 43 Table 30: Licensed Community Care Facilities 2009.............................................. 44 Table 31 : Omnitrans Fixed-Route Lines................................................................ 48 Table 32: Major Employers in San Bernardino 2008 .............................................. 49 Table 33: Disposition of Conventional Home Purchase Loan Applications by Race of Applicant - 2003 .............................................................................................. 53 Table 34: Disposition of Conventional Home Purchase Loan Applications by Race of Applicant - 2008 .............................................................................................. 54 Table 35: Disposition of Conventional Home Purchase Loan Applications by Income of Applicant - 2003 .............................................................................................. 55 Table 36: Disposition of Conventional Home Purchase Loan Applications by Income of Applicant - 2008 .............................................................................................. 55 Table 37: Percent of Conventional Home Purchase Loans by Race vs. City Population byRace........................................................................................................... 56 Table 38: Approval Rates of Conventional Home Purchase Loan Applications by Race and Income of Applicant — 2003 ........................................................................ 57 Table 39: Approval Rates of Conventional Home Purchase Loan Applications by Race and Income of Applicant - 2008 ......................................................................... 58 Table of Contents iii City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 40: Disposition of Conventional Home Improvement Loan Applications by Race of Applicant - 2003 .............................................................................................. 58 Table 41: Disposition of Conventional Home Improvement Loan Applications by Race of Applicant - 2008 .............................................................................................. 59 Table 42: Comparison of Government Backed Loans - 2003 and 2008.................... 60 Table 43: Disposition of Conventional Home Mortgage Loan Applications by Lending Institutions - 2003............................................................................................ 61 Table 44: Disposition of Conventional Home Mortgage Loan Applications by Lending Institutions - 2008............................................................................................ 62 Table 45: Lender Ratings................................................................................... 63 Table 46: Approval and Denial Rates by Income Level ........................................... 64 Table 47: Approval and Denial Rates by Race/Ethnicity.......................................... 64 Table 48: Percent of Loans Purchased by Type of Loan and Race of Applicant - 200867 Table 49: Disposition of Conventional Mortgage Refinancing Applications - 2003 ..... 69 Table 50: Disposition of Conventional Mortgage Refinancing Applications - 2008 ..... 70 Table 51: Foreclosure - February 2010................................................................ 71 Table 52: Residential Land Use Designations and Zoning Districts........................... 74 Table 53: Parking Requirements ......................................................................... 77 Table 54: Housing Types by Residential Zones ..................................................... 78 Table 55: Community Care Facilities in San Bernardino.......................................... 81 Table 56: Typical Development Fees................................................................... 86 Table 57: Park Acreage in Low and Moderate Income Areas .................................. 91 Table 58: Park Acreage in Minority Areas ............................................................ 91 Table 59: Basis of Discrimination Complaints - FY 2006-2010 (Present) ................ 117 Table 60: Landlord/Tenant Complaints - FY 2006-2010 (Present) ......................... 118 Table 61: Basis of Discrimination of Cases filed with HUD - 2004-2009 ................ 118 Table 62: Closing Categories for Fair Housing Cases Filed with HUD (2004-2009) .. 119 Table 63: Hate Crimes - 2008.......................................................................... 120 List of Figures Figure 1 : Discrimination Basis............................................................................. 11 Figure 2: Hate Crime Basis................................................................................. 12 Figure 3: Documented and Projected Population Growth - 1980-2035..................... 16 Figure 4: Minority Concentration......................................................................... 20 Figure 5: Low and Moderate Income Areas .......................................................... 23 Figure 6: Licensed Residential Care Facilities and Affordable Housing ...................... 46 Figure 7: Major Employers and Transportation Routes............................................ 50 Table of Contents iv City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 1 Introduction The City of San Bernardino, the most populous city in San Bernardino County, is home to over 200,000 residents and a diverse demographic. The City is located in the Inland Empire Metropolitan Area of Southern California, which stretches from Los Angeles County to parts of San Bernardino County and Riverside County. Diversity among its residents, in terms of cultural backgrounds and socioeconomic characteristics, makes San Bernardino a highly interesting and desirable area to live. To continue nurturing this diversity, civic leaders must ensure that an environment exists where equal access to housing opportunities is treated as a fundamental right. A. Purpose of the Report Equal access to housing is fundamental to each person in meeting essential needs and pursuing personal, educational, employment, or other goals. In recognition of equal housing access as a fundamental right, the federal government and the State of California have both established fair housing choice as a right protected by law. Through the federally funded Community Development Block Grant (CDBG) and HOME Investment Partnerships (HOME) programs, among other state and local programs, the City of San Bernardino works to provide a decent living environment for all. Pursuant to CDBG regulations 124 CFR Subtitle A §91 .225(a)(1)], to receive CDBG funds, each jurisdiction must certify that it "actively furthers fair housing choice" through the following: • Completion of an Analysis of Impediments to Fair Housing Choice (AI) • Actions to eliminate identified impediments; and • Maintenance of fair housing records. This report, the Analysis of Impediments to Fair Housing Choice (commonly known as the "All, presents a demographic profile of San Bernardino, assesses the extent of housing needs of its residents, and evaluates the availability of a range of housing choices for all. This report also analyzes the conditions in the private market and public sector that may limit the range of housing choices or impede a person's access to housing. As the name of the report suggests the document reviews "impediments" to fair housing. While this report also assesses the nature and extent of housing discrimination, the focus is on identifying impediments that may prevent equal housing access and developing solutions to mitigate or remove such impediments. Chapter 1: Introduction 1 City of San Bernardino Analysis of Impediments to Fair Housing Choice B. Legal Framework Fair housing is a right protected by both federal and State of California laws. Among these laws, virtually every housing unit in California is subject to fair housing practices. 1. Federal Laws The federal Fair Housing Act of 1968 and Fair Housing Amendments Act of 1988 (42 U.S. Code §§ 3601-3619, 3631) are federal fair housing laws that prohibit discrimination in all aspects of housing, including the sale, rental, lease or negotiation for real property. The Fair Housing Act prohibits discrimination based on race, color, religion, sex, familial status, or national origin. In 1988, the Fair Housing Act was amended to extend protection to familial status and people with disabilities (mental or physical). Specifically, it is unlawful to: • Refuse to sell or rent after the making of a bona fide offer, or to refuse to negotiate for the sale or rental of, or otherwise make unavailable or deny, a dwelling to any person because of race, color, religion, sex, familial status, or national origin. • Discriminate against any person in the terms, conditions, or privileges of sale or rental of a dwelling, or in the provision of services or facilities in connection therewith, because of race, color, religion, sex, familial status, or national origin. /A • Make, print, or publish, or cause to be made, printed, or published any notice, statement, or advertisement, with respect to the sale or rental of a dwelling that indicates any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation, or discrimination. • Represent to any person because of race, color, religion, sex, handicap, familial status, or national origin that any dwelling is not available for inspection, sale, or rental when such dwelling is in fact so available. • For profit, induce or attempt to induce any person to sell or rent any dwelling by representations regarding the entry or prospective entry into the neighborhood of a person or persons of a particular race, color, religion, sex, handicap, familial status, or national origin. Reasonable Accommodations and Accessibility: The Fair Housing Amendments Act requires owners of housing facilities to make "reasonable accommodations" li.e., exceptions) in their rules, policies, and operations to give people with disabilities equal housing opportunities. For example, a landlord with a "no pets" policy may be required to grant an exception to this rule and allow an individual who is blind to keep a guide dog in the residence. The Fair Housing Act also requires landlords to allow tenants with disabilities to make reasonable access-related modifications to their private living space, as well as to common use spaces, at the tenant's own expense. Finally, the Chapter 1: Introduction 2 City of San Bernardino Analysis of Impediments to Fair Housing Choice Act requires that a portion of new multi-family housing developments with four or more units be designed and built to allow access for persons with disabilities. This includes accessible common use areas, doors that are wide enough for wheelchairs, kitchens and bathrooms that allow a person using a wheelchair to maneuver, and other adaptable features within the units. 2. California Laws The State Department of Fair Employment and Housing (DFEH) enforces California laws that provide protection and monetary relief to victims of unlawful housing practices. The Fair Employment and Housing Act (FEHA) (Gov. Code 9§12955 at seq.) prohibits discrimination and harassment in housing practices, including: • Advertising • Application and selection process • Unlawful evictions • Terms and conditions of tenancy • Privileges of occupancy • Mortgage loans and insurance • Public and private land use practices (zoning) • Unlawful restrictive covenants The following categories are protected by FEHA: b..- • Race or color • Ancestry or national origin • Sex • Marital status • Source of income • Sexual Orientation • Familial status (households with children under 18 years of age) • Religion • Mental/Physical Disability • Medical Condition • Age In addition, the FEHA contains similar reasonable accommodations and accessibility provisions as the Federal Fair Housing Amendments Act. The Unruh Civil Rights Act provides protection from discrimination by all business establishments in California, including housing and accommodations, because of age, ancestry, color, disability, national origin, race, religion, sex, and sexual orientation. While the Unruh Civil Rights Act specifically lists "sex, race, color, religion, ancestry, national origin, disability, or medical condition" as protected classes, the California Supreme Court has held that protections under the Unruh Act are not necessarily restricted to these characteristics. Chapter 1: Introduction 3 City of San Bernardino - Analysis of Impediments to Fair Housing Choice Furthermore, the Ralph Civil Rights Act forbids acts of violence or threats of violence because of a person's race, color, religion, ancestry, national origin, age, disability, sex, sexual orientation, political affiliation, or position in a labor dispute (California Civil Code section 51.7). Hate violence can be: verbal or written threats; physical assault or attempted assault; and graffiti, vandalism, or property damage. The Bane Civil Rights Act (California Civil Code Section 52.1) provides another layer of protection for fair housing choice by protecting all people in California from interference by force or threat of force with an individual's constitutional or statutory rights, including a right to equal access to housing. The Bane Act also includes criminal penalties for hate crimes; however, convictions under the Act are not allowed for speech alone unless that speech itself threatened violence. In addition to these acts, Government Code Sections 111135, 65008, and 65580- 65589.8 prohibit discrimination in programs funded by the State and in any land use decisions. Specifically, recent changes to Sections 65580-65589.8 (Housing Element law) require local jurisdictions to address the provision of housing options for special needs groups, including: • Housing for persons with disabilities (SB 520) • Housing for homeless persons, including emergency shelters, transitional housing, supportive housing (SB 2) • Housing for extremely low income households, including single-room occupancy units (AB 2634) C. Fair Housing Defined In light of the various pieces of fair housing legislation passed at the federal and state levels, fair housing throughout this report is defined as follows: Fair housing is a condition in which individuals of similar income levels in the same housing market having a like range of housing choice available to them regardless of age, race, color, ancestry, national origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor. D. Impediments Defined ! Within the legal framework of federal and state laws and based on the guidance provided by the U.S. Department of Housing and Urban Development (HUD) Fair Housing Planning Guide, impediments to fair housing choice can be defined as: Any actions, omissions, or decisions taken because of age, race, color, ancestry, national origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor which restrict housing choices or the availability of housing choices; or Any actions, omissions, or decisions which have the effect of restricting housing choices or the availability of housing choices on the basis of age, race, color, ancestry, national Chapter 1: Introduction 4 City of San Bernardino Analysis of Impediments to Fair Housing Choice origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor. To affirmatively promote equal housing opportunity, a community must work to remove impediments to fair housing choice. Furthermore, eligibility for certain federal funds requires the compliance with federal fair housing laws. Specifically, to receive HUD Community Planning and Development (CPD) formula grants, a jurisdiction must: • Certify its commitment to actively further fair housing choice; • Maintain fair housing records; and • Conduct an analysis of impediments to fair housing. E. Scope of Analysis This Analysis of Impediments (All to Fair Housing Choice provides an overview of laws, regulations, conditions or other possible obstacles that may affect an individual or a household's access to housing. The Al involves: • A comprehensive review of the laws, regulations, and administrative policies, procedures, and practices; • An assessment of how those laws, regulations, policies, procedures, and practices affect the location, availability, and accessibility of housing; and • An assessment of conditions, both public and private, affecting fair housing choice. F. Lead Agency and Funding Sources This report, prepared through a collaborative effort between City staff, Veronica Tam and Associates and Hogle-Ireland, Inc. under contract to the City of San Bernardino, is funded by Community Development Block Grant (CBDG) general planning and administration funds. G. Data and Methodology According to the Fair Housing Planning Guide prepared by the U.S. Department of Housing and Urban Development (HUD), HUD does not require the jurisdictions to commence a data collection effort to complete the Al. Existing data can be used to review the nature and extent of potential issues. The following data sources were used to complete this Al. Sources of specific information are identified in the text, tables and figures. Chapter t: Introduction 5 City of San Bernardino Analysis of Impediments to Fair Housing Choice • 1990 and 2000 U.S. Census 4 • 2006-2008 American Community Survey' • 2008 Community Survey • California Department of Fair Employment and Housing • California Department of Department of Finance • California Department of Social Services Community Care Licensing Division • Home Mortgage Disclosure Act data obtained through Marquis Software Solutions, Centrax HMDA • San Bernardino Housing Element • U.S. Department of Housing and Urban Development (HUD) • U.S. Federal Bureau of Investigation (FBI) H. Organization of the Report The Al is divided into seven chapters: Chapter 1: Introduction defines "fair housing" and explains the purpose of the report. This chapter also discusses the outreach efforts undertaken for the development of the Al. Chapter 2: Community Profile presents the demographic, housing, and income characteristics in the City of San Bernardino. Major employers and transportation access to job centers are identified. The relationships among these variables are discussed. Chapter 3: Lending Practices assesses the access to financing for different groups. Predatory and subprime lending issues are also discussed. Chapter 4: Public Policies and Practices analyzes various public policies and actions that may impede fair housing within the City. ' According to "American Community Survey — What Researchers Need to Know," the Census Bureau cautions the direct comparison between the American Community Survey (ACS) data and data from previous Censuses, particularly as it relates to income, age, and household characteristics, as different methodologies were used or questions were asked in collecting the sample. The most significant difference is that the 2000 Census is point-in-time data, whereas the ACS 2006-2008 is period data. The ACS was developed with a sample each year and data presented for 2006-2008 represents an averaging of the sampling results over three years. An issue with this methodology is that when conditions in 2006 were substantially different than in 2008, the averaging would "dilute" the data and therefore not present an accurate picture of the conditions. For example, housing market conditions in 2006 were almost a 180-degree turn compared to those in 2008. Averaging over these three years would not reflect the sharp changes in conditions. Therefore, 2006-2008 ACS data in this report are presented as percentages and used only as additional references. The 2008 ACS is also a period estimate, averaging estimates from the year 2008; these is the data that are predominantly used in this report to supplement data from the 2000 decennial Census. The 2008 ACS data provides an important update and snapshot of existing conditions. The federal government uses ACS information to evaluate the need for federal programs and to run those programs effectively, so it is important to be consistent with those assumptions. However, please note that the ACS provides an estimate, not a 100 percent sampling of the population, and as such, there may therefore be a significant margin of error in some situations. Chapter 1: Introduction 6 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 5: Current Fair Housing Profile evaluates existing public and private programs, services, practices, and activities that assist in providing fair housing in County. This chapter also assesses the nature and extent of fair housing complaints and violations in different areas of the County. Trends and patterns of impediments to fair housing, as identified by public and private agencies, are included. Chapter 6: Achievements of the 2006 Plans assesses the progress made since the preparation of the 2006 Analysis of Impediments (All to Fair Housing Choice. Chapter 7: Conclusions and Recommendations summarizes the findings regarding fair housing issues in San Bernardino and provides recommendations for furthering fair housing practices. I. Public Participation The City of San Bernardino 2010-2015 Analysis of Impediments to Fair Housing Choice has been developed through a collaborative process involving participation by residents, service providers, and City staff. In addition to analysis of available data sources and review of existing reports and fair housing practices, the City sought public input on fair housing issues through two main avenues: A community meeting was held on January 21, 2010 in the Economic Development Agency Board Room. Participants were introduced to the Analysis r of Impediments to Fair Housing Choice process and intent and asked to discuss fair housing concerns. This meeting was held in conjunction with the community meeting to receive input on community needs for the 2010-2015 Consolidated Plan. Invitations and flyers were circulated to community groups and local service providers. A Community Needs and Fair Housing Survey, which assessed fair housing discrimination experiences, was distributed to residents and service providers. Surveys were made available at community centers and public counters, located online, and distributed at the January 21 , 2010 community meeting. The survey was integrated with a survey to assess community needs for the 2010-2015 Consolidated Plan. Overall, 142 residents and service providers responded to the Community Needs and Fair Housing Survey. 1. Community Meeting San Bernardino residents and public and private agencies either directly or indirectly involved with fair housing issues in San Bernardino were invited to attend a public meeting before the Community Development Citizens Advisory Committee members on January 21, 2010. The meeting provided the opportunity for the San Bernardino community to gain awareness of fair housing laws, and for residents and service agencies to share fair housing issues and concerns. The meeting participants also Chapter 1: Introduction 7 City of San Bernardino Analysis of Impediments to Fair Housing Choice discussed community development and housing needs, priorities, and concerns to be considered as part of the 2010-2015 Consolidated Plan. San Bernardino staff conducted extensive outreach to reach a broad cross-section of the community and to encourage attendance at the January 21, 2010 community meeting. More than 15 residents and representatives of service provider agencies attended, in addition to the five Community Development Citizens Advisory Committee (CDCAC) members in attendance. To encourage attendance and participation, the workshop was publicized through the following methods: • Flyers posted at City Hall, local community centers, and libraries • Notice posted on the City's website • Notice posted in the San Bernardino County Sun and El Chicano newspapers • Personal invitations to the mailing list maintained by the City for CDBG application announcements. Additional service providers and agencies invited included: o City of Rialto o City of Fontana o City of Redlands o City of Highland o County of San Bernardino Housing Authority o California Division of Financial Assistance o Inland Fair Housing and Mediation Board O o Habitat for Humanity-San Bernardino Area, Inc. o National CORE o TELACU o Inland Regional Center o Rolling Start o Pathway, Inc. o San Bernardino Area Chamber of Commerce o East Valley Association of Realtors j o Inland Valley Association of Realtors o Wells Fargo San Bernardino Home Loans o Accurate Acquisition Home and Loans o Century Vintage Homes o Affordable Home Loans o American General Financial Services o Bank of America Home Loans o Apartment Association Greater Inland Empire Due to these outreach efforts, attendance at the public meeting included several service providers that work with low and moderate income and special needs residents. Service providers that attended the Consolidated Plan community outreach meeting included: Time for Change, Central City Lutheran Mission, Inland Fair Housing & Mediation Board, Project Life Impact, Universal Nursing Systems, A Servant's Heart Outreach, St. John's Success Center, Apartment Association Greater Inland Empire, and OMNIP. Chapter 1: Introduction 8 City of San Bernardino Analysis of Impediments to Fair Housing Choice Two main themes related to fair housing emerged from participants as important in the City of San Bernardino: 1) the importance of access to homeless shelters and transitional housing; and 2) the issue of housing discrimination against persons with disabilities and formerly incarcerated persons. Overall, the meeting participants noted increasing needs among San Bernardino residents and in the Southern California area at large at a time of increased unemployment and financial uncertainty. Increasing needs include general emergency help, such as food, utilities and home cost assistance, emergency shelter or hotel assistance, and job placement and training. Participants noted that there is a large low income population, and that housing prices are relatively lower in San Bernardino, as compared to other places in the County. Housing was one of the primary issues discussed by participants at the San Bernardino Consolidated Plan/Fair Housing community meeting. Participants were primarily concerned about housing affordability and voiced a need for new affordable housing, especially for seniors and disabled persons. Multi-family housing and mixed-use housing (housing with a retail or commercial component included) were recommended. Participants noted that the Section 8 waitlist is long, and the application is complex. With rising unemployment, participants noted that there may be a need for rental gap assistance to keep people in their homes. Staff estimated that approximately 5,000 homes have been foreclosed in the City between January 2008 and January 2010. The City has used Neighborhood Stabilization Program funds to purchase foreclosed and abandoned homes and re-sell these to low and moderate income homebuyers. Renters have also been affected by the increasing rate of foreclosures. When investment properties are foreclosed, the renter is the last person to know. There is often confusion over who to pay, as well as concerns about fraud. Participants also noted that it is difficult for post-incarcerated persons to find housing, as applications ask for information on incarceration, limiting access to housing options in the City. The Inland Fair Housing and Mediation Board noted that while in previous years, race was the basis for most discrimination complaints, now disabled status is the most common fair housing complaint the Board receives. Participants noted a need for housing rehabilitation assistance in single-family homes, to address blight and overcrowded conditions. Housing rehabilitation assistance can give neighborhoods a facelift and encourage continued investment in the area. 2. Fair Housing Survey Between December 2009 and January 2010, a survey was available inviting residents to provide feedback on their fair housing experiences and the importance of a variety of services. The fair housing survey was integrated as part of the efforts to assess housing and community needs in the City for the 2010-2015 Consolidated Plan. The Chapter 1: Introduction 9 City of San Bernardino Analysis of Impediments to Fair Housing Choice survey was available on the City's website in an online, user-friendly version. Hard copies of the survey were available at City Hall, public libraries, and public counters. The survey was available in English and Spanish. (A copy of the survey is included in Appendix A.) Overall, 142 residents and service providers responded to the Community Needs and Fair Housing Survey. Fair Housing Of the 142 residents who completed the survey, 109 persons completed at least one fair housing question, in addition to community development and housing questions. Of the 109 who responded to the fair housing section, 16.5 percent (18 respondents) indicated that they had experienced housing discrimination. Over two-thirds of these discrimination actions were completed by a landlord or property manager, 17 percent by a real estate agent, five percent by a mortgage lender, and five percent (one incident) by City staff. According to survey respondents, half of discrimination acts (nine incidents) occurred in an apartment complex, eight occurred in a single-family neighborhood, two in public or subsidized housing projects, one in a mobile home park, and one occurred when applying for City programs. Survey respondents believed that they were discriminated against on a variety of bases, as indicated in Error! Reference source not found.. The most common reason for discrimination, according to survey respondents, was race. A number of respondents also indicated "other" as the basis for discrimination; a review of specific comments is included in Appendix A. Of those who indicated they experienced discrimination, most (70 percent) indicated that they did not report the incident. Most respondents indicated that they did not report the incident because they did not know where to report the incident or they believed it would not make any difference. Some respondents also noted that it was too much trouble to report, and one person was afraid of retaliation. The Fair Housing Act, as amended in 1988, requires that cities and counties provide reasonable accommodation to rules, policies, practices, and procedures where such accommodation may be necessary to afford individuals with disabilities equal housing opportunities. While fair housing laws intend that all people have equal access to housing, the law also recognizes that people with disabilities may need extra tools to achieve equality. Reasonable accommodation is one of the tools intended to further housing opportunities for people with disabilities. Five respondents indicated that they were denied reasonable accommodation for a disability; specific information is included in Appendix A. Chapter 1: Introduction 10 City of San Bernardino Analysis of Impediments to Fair Housing Choice Figure 1: Discrimination Basis On what basis do you believe you were discriminated against? (check all that apply) 35.0% 30.0% 25.0% -- _.... _- 20.0% 15.0% 10.0% ------- 5.0% 0.0% �aF\AJ�eo Hate Crimes Respondents were also asked to comment on hate crimes that may have been committed in San Bernardino neighborhoods. More than 22 percent of respondents who answered this question 124 out of 108 persons) indicated that a hate crime had been committed in their neighborhood. Nearly 27 percent indicated that a hate crime had not been committed, and over half (51 percent) indicated that they did not know. The vast majority indicated that the hate crimes committed were related to race ( Figure 2). Chapter 1: Introduction 11 City of San Bernardino Analysis of Impediments to Fair Housing Choice Figure 2: Hate Crime Basis What was the basis of the hate crime? 80.0% ——__-- 70.0% 60.0% 50.0% 40.0% 30.0% 20.0% 10.0% 0.0% aoe o�OC `OC c�c QA¢ '6 -,Ni �aO eta Ja <b c� Foreclosures A number of questions on the survey were related to foreclosures, given the high level of foreclosure activity that has been experienced in San Bernardino. Nine percent of respondents indicated that they were in the foreclosure process or at risk of foreclosure. Most respondents facing foreclosure indicated that loss of income or employment was the primary cause of foreclosure; many indicated that increasing monthly payments and significant increases in other housing costs were also a factor. Some also indicated that they owed more on the home than it was worth. Of those facing foreclosure, less than half (44 percent) were planning on relocating away from the City of San Bernardino. Most respondents facing foreclosure were aware of foreclosure assistance available to help them (78 percent). All respondents facing foreclosure indicated that they would consider homeownership again, and the majority (89 percent) indicated that they would rather have owned a home, given recent circumstances, than rented. Housing Programs and Services The same survey also asked residents to rank the level of importance for programs and services offered by the City. Respondents ranked fair housing services seventh out of ten types of services (Table 1). Chapter 1 : Introduction 12 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 1: Community Development Needs Survey Results Needs Cate go ActivitieslPro rams Rank Ownership Housing Rehabilitation 1 Homeownership Assistance 2 Energy Efficient Improvements 3 Senior Housing 4 Housing Rental Housing Rehabilitation 5 Housing for Disabled 6 Fair Housing Services 7 Affordable Rental Housing8 Housin for Lar a Families 9 Lead-Based Paint TesdAbatement 10 Chapter 1 : Introduction 13 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 2 0 Community Profile A key goal for fair housing programs is to foster an inclusive environment, one in which all people have the opportunity to live in decent and suitable homes and are treated equally in the rental, sale, or occupancy of housing. The community profile provides background information on demographics, housing, employment, special needs groups, and other characteristics that describe San Bernardino. All of these factors can affect housing choice, housing opportunities, and the type of fair housing issues a community may encounter. This overview will provide context for discussing and evaluating fair housing in the following chapters. The City of San Bernardino is a general law city incorporated in 1854, which makes it one of California's oldest communities. Today, San Bernardino serves as the county seat and is the most populous city in the County of San Bernardino, with a population of over 204,000 residents. The City of San Bernardino encompasses approximately 60 square miles of land along the foothills of the San Bernardino Mountains, at the eastern edge of the San Bernardino Valley. The City of San Bernardino is located approximately 60 miles east of the city of Los Angeles, 120 miles northeast of metropolitan San Diego, and 55 miles northwest of the city of Palm Springs. The City of San Bernardino is one of the principal cultural and business centers in San ✓ Bernardino County. The area has evolved from a semi-rural farming community to an enterprise city with large railroad companies and an economy based primarily upon retail commercial businesses, manufacturing, and distribution centers. The City of San Bernardino has long functioned as a transportation link between the east and west coasts. With rail, freeway, a nearby international airport just 30 minutes away, and the Port of Los Angeles within one hour's drive, San Bernardino links Southern California, national markets, Mexico, and the Pacific Rim. A. Demographic Profile Examination of demographic characteristics can provide insight regarding the need and extent of equal access to housing in a community. Factors such as population growth, age characteristics, and race/ethnicity all help determine a community's housing needs and play a role in exploring potential impediments to fair housing choice. 1. Population and Population Growth According to the Census, the City of San Bernardino population was 185,401 in 2000.The California Department of Finance estimates that in 2009, the population had increased to 204,483. Documented population figures from 1980 to 2005 and projected population growth trends from 2010 to 2035 are shown in Figure 3. The City Chapter 2: Community Profile 15 City of San Bernardino Analysis of Impediments to Fair Housing Choice experienced its largest recent increase in population between 1985 and 1990, when the population increased by 20 percent. San Bernardino's population has steadily increased since, but at a slower rate than occurred in the 1980s. Future projected population growth is expected to remain steady, as indicated in Figure 3. Figure 3: Documented and Projected Population Growth- 1980-2035 3os,o5s 36 515 2d 909 / 90 p 212318 O 211019 / W 1 1 � 200,000 O 164 O a 150.000 1 11 490 100.aro 1999 1995 1990 1995 M 2105 MG M5 2YA aII5 2e0 2135 Year Source:Califomia Department of Finance,2009;SCAG 2008 RTP Growth Forecast. Population growth projections for San Bernardino anticipate that the City's population _ will steadily increase at an average rate of 4.75 percent every five years, with a resulting 2035 population estimate of 265,515. The overall percentage growth of San Bernardino from 2010 to 2020 is projected to be around 10.5 percent, a relatively low estimate compared to other surrounding cities such as Colton (22 percent). .r Ir •r rr •r 'rr r � 2000 1 2010 2020 2030 San Bernardino 185,401 213,318 235,616 255,959 Cotton 47,662 58,815 71,880 83,942 Fontana 128,929 174,719 195,866 215,018 Highland 44,605 55,345 62,708 69,371 Redlands 63,591 73,441 80,973 89,288 Rialto 91,873 107,849 123,080 136,845 Sources: U.S.Census Bureau,2000 Census;SLAG 2008 RTP Growth Forecast. 2. Age Characteristics Housing demand is affected by the age composition of a community since different age groups may have very different housing needs. For example, young people may trend towards occupying apartments, condominiums, and small single-family homes due to household size and/or affordability. Middle-aged adults may trend towards demanding larger homes as incomes and family sizes increase, while seniors may prefer apartments, condominiums, mobile homes, or smaller single-family homes that have lower costs and less maintenance. Table 3 shows the age distribution of San Chapter 2: Community Profile 16 City of San Bernardino Analysis of Impediments to Fair Housing Choice Bernardino's population. The median age for the City was estimated to be 28.6 years of age in 2008, which is slightly younger than the estimated median age of the County at large (30.5 years of age). Table r by r• San Bernardino rrr and 2008 2000 2008 2000-2008 Age Population %of Population %of %Change Population Po ulation 17 and younger 65,180 35% 63,670 31% -2% 18-24 20,433 11% 25,326 12% 24% 25-44 54,915 30% 57,786 28% 5% 45-64 29,607 16% 39,546 19% 34% 65 and over 15,266 8% 17,313 9% 13% Total 185,401 100% 203,641 100% 10% Median Age 1 27.6 28.6 Source: U.S.Census Bureau,2000 Census;2008 American Community Survey As Table 3 indicates, from 2000 to 2008, the percentage of youth in the City experienced a slight decline, while all other age categories experienced slight to moderate increases. The decline of youth as a proportion of the population may be attributed to natural aging of the population, as the next age category, ages 18-24 saw a significant increase since 2000. Youth still represents the largest percentage of population (31 percent), followed by the age category of 25-44. !� 3. Race and Ethnicity Race and ethnicity can have implications for housing choice, as certain demographic and economic variables correlate with race. Similar to trends in other communities in California, San Bernardino has become increasingly diverse in its racial and ethnic makeup (Table 4). From 2000 to 2008, the overall percentage of White persons continued to decline (in 1990 Whites constituted 46 percent of the population), while the percentage of Hispanic persons increased. The proportion of Hispanics increased from 35 percent in 1990 to 47 percent in 2000; that percentage is estimated to have increased to 56 percent by 2008. The percentages of Black, Asian, Pacific Islander, American Indian, and Other races were estimated to have remained relatively the same. Chapter 2: Community Profile 17 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 4: San Bernardino Race or Ethnicity- rrr and 2008 Race/Ethnicity 2000 2008 Population %of Population Population %of Population Hispanic Origin 87,654 47.3% 114,348 56.2% White 53,900 29.1% 42,419 20.8% Black 28,965 15.6% 35,509 17.4% Asian 7,392 4.0% 7,529 3.7% Other 5,614 3.00% 3,260 1.6% Pacific Islander 670 0.4% 434 0.2% American Indian 1,193 0.6° 142 0.1% Source:U.S.Census Bureau,2000 U.S.Census;2008 American Community Survey A comparison of the racial/ethnic composition of the population with that of the householders indicates that 28.5 percent of households in San Bernardino were headed by White persons and 48 percent by Hispanic persons in 2008 (see Table 5). The racial/ethnic composition of householders in the City did not mirror that of the county. In the county, only 37 percent of households were Hispanic, whereas White constituted 46 percent of households. Household Table 5: Race and Ethnicity by Person and rr : Persons Households RacelEthnicity San Bernardino San Bernardino San Be San Bernardino Count Count Hispanic Origin 56.2% 47.5% 48.0% 37.3% White 20.8% 35.5% 28.5% 45.9% Black 17.4% 8.3% 18.2% 9.2% Asian/PacificIslander 3.9% 6.1% 4.6% 6.2% Other 1.7% 2.6% 0.7% 1.4% Source:U.S.Census Bureau,2000 U.S.Census;2008 American Communq Survey Estimates from the U.S. Department of Housing and Urban Development (HUD), based on Urban Institute research, indicate that while discrimination persists against Blacks and Hispanics searching for homes in major metropolitan areas, its incidence had generally declined since 1989.2 This information is corroborated by local reports from the Inland Fair Housing and Mediation Board (IFHMB). A representative of the IFHMB noted in a public meeting related to the Analysis of Impediments to Fair Housing Choice development that the Board has experienced a decrease in reports of racial housing discrimination in recent years in San Bernardino. However, as noted in the Urban Institute report, when Blacks and Hispanics visit real estate or rental offices to inquire about the availability of advertised homes and apartments, they continue to face a significant risk of receiving less information and less favorable treatment as compared to White customers. This discrimination can raise the cost of housing searches for Blacks and Hispanics, creates barriers to homeownership and housing choice, and helps perpetuate involuntary racial and ethnic segregation. 2 Discrimination in Metropolitan Housing Markets: National Results from Phase/of HOS 2000 Annexes, Urban Land Institute 2002. Chapter 2: Community Profile 18 City of San Bernardino Analysis of Impediments to Fair Housing Choice Residential Segregation Historically, some researchers have evaluated the degree of racial and ethnic integration as an important measure or evidence of fair housing opportunity. Whereas the separation of different race and ethnic groups has historically been associated with segregation, people's choice of residence today is complex. Housing prices, local schools, access to transportation, and proximity to jobs are all important factors guiding people's housing choices, among others. Statistical techniques can be used to measure the degree of segregation experienced by different racial/ethnic groups, such as the dissimilarity index. The dissimilarity index (Table 6) represents the percentage of one group that would have to move into a new neighborhood to achieve perfect integration with another group. An index score can range in value from zero, indicating complete integration, to 100, indicating complete segregation. An index value of 60 or above is considered very high, an index value of 40-50 is usually considered to be a moderate level of segregation, and values of 30 or below are considered to be fairly low. The dissimilarity index shows that a moderate level of segregation is present for the Hispanic population as compared to Whites, indicating that the two groups tend to live in different census tracts within the City. The dissimilarity index is lower for Asians and Blacks when compared to Whites. Table 6: Racial Integrati n rrr Race/Ethnic Percent of Dissimilarity Dissimilarity Dissimilarity Dissimilarity Group Total Index with Index with Index with Index with Population Whites Hispanics Blacks Asians White 28.9% 43.1 37.4 38.4 Hispanic 47.5% 43.1 25.1 38.6 Black 17% 37.4 25.1 35.1 Asian 5.1% 38.4 35.1 38.6 Source:U.S.Census Bureau,2000 Census;Lewis Mumtord Center for Comparative Urban and Regional Research Areas of Minority Concentration Areas with concentrations of minority residents may have different needs. A concentration is defined as a Census block group with a proportion of a particular race/ethnic group greater than that of the countywide average for that group. Figure 4 illustrates the concentrations of minorities within the City. As shown, virtually the entire southern half of the City (below Highland Avenue) has a minority population of at least 56 percent (the county average). In contrast, Census tracts above Highland Avenue generally lack minority concentrations. Chapter 2: Community Profile 19 c' r v i•1_`xF o `m > C G ou rg U o J' fYEL I I a� r1 I• a 2 yaj � •a ewwi. �. TLL •Q , MY�M w 00 u:u �O p t f` U � r f o to IL c �+ E m E c \ o N Cl) y \ Fi I m c� U ¢ iI N U U N City of San Bernardino Analysis of Impediments to Fair Housing Choice B. Income Profile Household income is the most important factor determining a household's ability to balance housing costs with other basic life necessities. A stable income is the means by which most individuals and families finance current consumption ad make provision for the future through saving and investment. The level of cash income can be used as an indicator of the standard of living for most of the population. While economic factors that affect a household's housing choice are not a fair housing issue per se, the relationships among household income, household type, race/ethnicity, and other factors often create misconceptions and biases that raise fair housing concerns. According to the 2000 Census, San Bernardino households had a median income of $31,140, or just 74 percent of the countywide median of $42,086. The 2008 American Community Survey estimated that San Bernardino residents continued to earn less than the county average, $38,282 in San Bernardino as opposed to $55,021 countywide. 1. Income Distribution For purposes of housing and community development resource programming, HUD has established income definitions based on the Median Family Income (MFI) for a given Metropolitan Statistical Area (MSA). These income definitions are presented in Table 7. FIRIM off,7010111NIIIII Income Group %of Area MFI Extremely Low Income 0-307/. Low Income 31-50% Moderate income 51-80% Middle/Upper Income >81% Based on the HUD definitions specified in Table 7, over 35 percent of the City's total households in 2000 were within extremely low income (30 percent MFI) and low income 150 percent MFI) categories, and nearly 20 percent were within the moderate income (80 percent MFI) category. In San Bernardino, households with low and moderate incomes comprised over half of the total households (55 percent). The proportion of households with low and moderate incomes was highest among Black (64 percent) and Hispanic (63 percent) compared to White (43 percent) households (Table 8)• I Chapter 2: Community Profile 21 j City of San Bernardino Analysis of Impediments to Fair Housing Choice Table r III %Extremely %of Low %of %of Total %of Total Moderate Middle/Upper Households Low Income Income Households Households (0-30%MFI) (31.50%MFI) income Income (51-80%MFI) ((>80%MR) White. 22,085 39.1% 14.1% 10.9% 18.3% 56.7% Hispanic 20,523 36.9% 21.8% 17.5% 23.3% 37.4% Asian/PI 2,158 3.9% 25.3% 15.1% 13.9% 45.8% Black 9,459 17.0% 31.7% 16.1% 16.1% 36.1% Other 1,875 3.1% 17.5% 8.8% 21.1% 52.6% Total 56,100 100.0% 20.6% 14.4% 19.5% 45.2% Source:2004 HUD CHAS Data,based on 2000 Census. 2. Concentrations of Low and Moderate Income Populations Figure 5 identifies the low and moderate income areas in the City by Census block group. A low and moderate income area is defined as a Census block group with 51 percent or more low and moderate income persons. As shown in the figure, concentrations of low and moderate income residents are located throughout the City, with more concentrations generally located south of Highland Avenue. These concentrations of low and moderate income residents generally correspond to areas of minority concentration depicted in Figure 4. 3. Unemployment During the national economic downturn that began in 2007, San Bernardino County's economy remained relatively stable, with unemployment similar to that of surrounding markets. In 2008, the County's unemployment rate was at an annual average of 8.0 percent, compared to 7.2 percent for the State of California. The City of San Bernardino, however, had a higher unemployment rate than the County and the State, with an unemployment rate of 10.9 percent in 2008 (Table 9). Table 9: 2008 Annual Average Unemployment Rate Jurisdiction I Rate of Unemployment San Bernardino 10.9% Colton 8.7% Fontana 8.3% Highland 10.2% Redlands 5.8% Rialto 10.3% San Bernardino County 8.0% State of California 7.2% Source:State of Carbomia Employment Development Department,Annual Average Labor Farce Data for Cwnties,2008. Chapter 2: Community Profile 22 dM A O N 4V) C U - N O m L t OR o .m � era mm9 L•P _a YN v N C � agS N N u f K \ • �• '•L L N a a ^ pa •I S / y \•• i upwv 4fre NI-i °y 3l m •�i;a of C F L:• � Q ='W \\ •a v uowwl E Fro 6 W WNM = F\ 9 •Jw B3 _ E � p 1• 72 0t'o 0 q 6 ~ gr e..o R d •./•-� f••� t 0 ii i ,st is NG u Z4 2 o uo w n J99 cC \ � cDc W I ti .J L S Uq J >H n SEX ULL o E NL] Of ti City of San Bernardino Analysis of Impediments to Fair Housing Choice C. Household Profile The household profile, which outlines characteristics of San Bernardino's households, aids in understanding housing needs. Households with different characteristics have unique housing needs and may face different impediments in the housing market. Various household characteristics may affect equal access to housing, including household type, size, and income level. A household, as defined by the U.S. Census Bureau, includes all the persons who occupy a housing unit, which may include a single family, one person living alone, two or more families living together, or any other group of related or unrelated persons who share living arrangements. 1. Household Composition and Size The number of households in San Bernardino increased four percent between 2000 and 2008, from 56,330 to 58,604 households. As shown in Table 10, the majority of households in San Bernardino are families (72 percent). Approximately 12 percent of all households are female-headed households with children, higher than the County average of nine percent. The average household size in the City of San Bernardino is estimated to have increased from 3.19 persons per household in 2000 to 3.38 persons per household in 2008. Among all family households, approximately 21 percent included at least one or more elderly persons, while eight percent of all non-family households (i.e. living alone or with unrelated roommates) were headed by an elderly person. . r wr=1 , r OMLOMMMM r r• r 11. verage %Female- Nusehol % % /°Elderly Headed Families Non- Household Households Households Families with Family Size Children with Elderly Household with Children San Bernardino 3.38 72.0% 40.9% 20.8% 77% 12.0% San Bernardino 3.40 75.8% 41.4% 19.7% 6.3% 9.1% n SSCouource:U.S.Census Bureau,2008 American Community Sme Chapter 2: Community Profile 24 City of San Bernardino Analysis of Impediments to Fair Housing Choice D. Special Needs Populations Certain households, because of their special characteristics and needs, may require special accommodations and may have difficulty finding housing due to special needs. Special needs groups may include the elderly, persons with disabilities, persons with HIV/AIDS, female-headed households, large households, and homeless persons. 1. Elderly and Frail Elderly The population over 65 years of age is considered elderly. Elderly households are vulnerable to housing problems and housing discrimination due to limited income, prevalence of physical or mental disabilities, limited mobility, and high health care costs. The elderly, and particularly those with disabilities, may face increased difficulty in finding housing accommodations, and may become victims of housing discrimination or fraud. According to the 2008 American Community Survey, approximately 17,313 elderly persons resided in San Bernardino, representing 8.5 percent of the total population. Approximately 7,196 elderly persons were considered frail elderly; that is, they were seniors with a disability. A larger proportion of senior households had low and moderate incomes (59 percent) compared to all households (55 percent). Approximately 35 percent of the elderly households experienced one or more housing problems, such as overpayment or substandard housing, compared to the citywide average of 50 percent. However, elderly residents who rent were more likely to experience housing problems (57 percent). In addition, elderly residents are often less able to make improvements to their housing due to limited income as well as a higher rate of disabilities (Table 11). Tablell: Elderll Profile %of Population LOw(Mooerate Households Population' with a Income with Housing Disability' Households z Problems Elded 8.5°k 47.7% 58.9% 35.1% All Households 100% 22.4% 54.8% 49.9% Sources:1)U.S.Census Bureau,21100 Census;2)HUD CHAS,2004 There are 10 licensed community care facilities that have a capacity to provide residential care for up to 398 elderly persons in the City of San Bernardino. In addition, as shown in Table 12, San Bernardino has several affordable senior housing developments that are income restricted and provide housing opportunities for the elderly in the community. Chapter 2: Community Profile 25 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table r r me Senior Housing in the City of r r Name Location Total Units AHEPA 302 Apartments 377 E.Gilbert Street 90 Arrowhead Woods 1650 W. 16th Street 51 Casa Bemardine Retirement Center 1589 N.Waterman Ave 241 Casa Ramona Senior Complex 1519 W. 8th Street 44 Jeffery Court Senior Apartments 3677 Central Avenue 184 Laurel Place 363 E. Gilbert Street 70 Light's Rancho Linda 1642 W.27�Street 50 The Plaza 5655 N. G Street 160 San Bernardino Senior Housing 1540 W. Baseline Ave. 75 St. Bemardine's Plaza 550 W. 51'Street 150 TELACU I Sierra Vista 650 W. 6"'Street 75 TELACU II Monte Vista 451 N. H Street 75 TELACU III Buena Vista 365 E.Commercial Rd. 75 Total 1,340 2. Persons with D:IsauiiitIUD The Americans with Disabilities Act (ADA) defines a disability as a "physical or mental impairment that substantially limits one or more major life activities." Fair housing choice for persons with disabilities can be compromised based on the nature of their disability. Persons with physical disabilities may face discrimination in the housing market because of the use of wheelchairs, need for home modifications to improve accessibility, or other forms of assistance. Landlords/owners sometimes fear that a unit may sustain wheelchair damage or may refuse to exempt disabled tenants with service/guide animals from a no-pet policy. A major barrier to housing for people with mental disabilities is opposition based on the stigma of mental disability. Landlords often refuse to rent to tenants with a history of mental illness. Neighbors often object when a house becomes a group home for persons with mental disabilities. While housing discrimination is not covered by the ADA, the Fair Housing Act prohibits housing discrimination against persons with disabilities, including persons with HIV/AIDS. An estimated 18,248 persons' in the City of San Bernardino (nine percent of the population) have one or more disabilities. This proportion is similar to that, of San Bernardino County, where 10 percent of the population is disabled. According to the 2008 American Community Survey, approximately 10,124 persons with a disability in San Bernardino are within working age (18-64 years old). Of these persons with a disability who are of working age, approximately 29 percent are employed. An estimated 28 percent of persons with disabilities live below the poverty line. ' The American Community Survey refers to the disability status of only the civilian non-institutionalized population. Disability is defined as the restriction in participation that results from a lack of fit between the individual's functional limitations and the characteristics of the physical and social environment. The Census Bureau does not recommend any comparisons to disability data from the 2007 ACS and earlier due to questionnaire changes. Chapter 2: Community Profile 26 City of San Bernardino Analysis of Impediments to Fair Housing Choice According to the 2008 American Community Survey, 17,320 adults aged 18 and over suffered from one of more disabilities in San Bernardino. Over half of those adults suffered from problems with living independently, which is defined as having difficulty completing everyday tasks and errands due to physical, mental, or emotional problems. Self-care limitations are also common for persons with physical disabilities; over 5,000 adults in San Bernardino are estimated to have difficulty doing tasks such as dressing or bathing themselves (Table 13). MFIlragaim, r M r 11111711 'rr � r•r 11: Type of Disability Number of Adults With a Hearing Difficulty 3,267 With a Vision Difliculty 3,766 With a Cognitive Difficulty 6,686 With an Ambulatory Difficulty 11,904 With a Self-Care Difficulty 5,068 With an Independent Living Difficulty 8,796 Note:Adults may have one or more disabilities.Total number of adults with one or more disabilities is estimated at 17,320. Source:U.S.Census Bureau,2008 American Community Survey. As part of this Analysis of Impediments to Fair Housing Choice study, a community meeting was held to discuss fair housing concerns and housing needs in the City. A representative of the Inland Fair Housing and Mediation Board (IFHMD) noted that in previous times, the most common fair housing complaint received was with regard to racial discrimination. Today, the most common fair housing complaint in San Bernardino relates to disability. IFHMD also noted the continued need for reasonable accommodations and modifications provided by landlords, owners, and jurisdictions. The Americans with Disabilities Act of 1990 and amendments to the Fair Housing Act, as well as California law, require ground-floor units of new multi-family developments with more than four units to be accessible to persons with disabilities. However, units built prior to 1989 are rarely accessible to persons with disabilities. Furthermore, not all new construction may have the range of modifications needed by specific individuals. Older units, particularly older multi-family structures, are very expensive to retrofit for disabled occupants because space is rarely available for elevator shafts, ramps, widened doorways, etc. In addition to changes to the units, the site itself may need modification to widen walkways and gates, and to install ramps. 3. Persons with HIV/AIDS Persons with HIV/AIDS face an array of barriers to obtaining and maintaining safe, affordable housing. For persons living with HIV/AIDS, access to safe, affordable housing can be as important to their general health and well-being as access to quality health care. Stigmatism associated with their illness and possible sexual orientation can add to the difficulty of obtaining and maintaining housing. Persons with HIV/AIDS can Chapter 2: Community Profile 27 City of San Bernardino Analysis of Impediments to Fair Housing Choice also require a broad range of services, including counseling, medical care, in-home care, transportation assistance, and food provision. According to the California Department of Public Health, a total of 1,439 HIV and 1 ,759 AIDS infected persons lived in San Bernardino County as of December 31, 2008. 4. Female-Headed Households Single-parent households are likely to have special needs for housing, including proximity and access to day care, public transportation, and recreation facilities. Because of their relatively lower income and higher living expenses, female-headed families have comparatively limited opportunities for finding affordable and decent housing. Female-headed households may also be discriminated against in the rental housing market because some landlords may be concerned about the ability of these households to make regular rent payments. Consequently, landlords may require more stringent credit checks or higher security deposits for women, which would be a violation of fair housing laws. In 2008, households headed by women comprised approximately 23 percent (13,411 households) of all households in the City of San Bernardino. Of these households, the majority (7,024 households) included children. Female-headed households are disproportionately impacted by poverty. In the City, approximately 33 percent of female-headed families were living below the poverty level, whereas only 15 percent of married couple families were living below the poverty level. Countywide, 30 percent of the female-headed families were living in poverty, and only seven percent of married couple families were living in poverty. 5. Large Households Large households, defined as those with five or more persons, often face discrimination in the housing market, particularly in the rental market. Property owners and managers may be concerned with the potential increase in wear and tear and liability issues related to large households, especially those with children. In addition, large households also have a higher cost of living and need larger homes. While the cost of housing itself is not a fair housing issue, the competition for lower-priced housing and the scarcity of larger, low-rent units may create an environment where fair housing violations may occur. For San Bernardino, the 2008 American Community Survey estimated that 11 ,454 households had five or more members, representing almost 20 percent of the total households in the City. The special Census tabulations for HUD, Comprehensive Housing Affordability Strategy (CHAS), indicate that among the large households in the City, approximately 74 percent experienced some form of housing problems in 2000 (Table 14). These housing problems include overcrowding, cost burden, or substandard housing conditions. This Chapter 2: Community Profile 28 i City of San Bernardino Analysis of Impediments to Fair Housing Choice illustrates that San Bernardino has a need for larger affordable housing units with three or more bedrooms. i .b • Large Household Profile S ecial Need Group %of Total Low I Moderate Housing P P Households' income= Problems2 Large Households 22.4% 60.9% 11 74.4% All Households 100.0% 54.8% 1 49.9% Sources: 1 U.S.Census Bureau,2000 Census;2 HUD CHAS,2004 6. Homeless Population Homeless persons often have a very difficult time finding housing once they have moved from transitional housing or other assistance program. Housing affordability for those who were formerly homeless is challenging from an economics standpoint, but this demographic group may also encounter fair housing issues when landlords refuse to rent to formerly homeless persons. The perception may be that they are more economically land sometimes mentally) unstable. The County of San Bernardino County Office of Homeless Services conducted a comprehensive survey of the County's homeless population in 2009. According to the 2009 San Bernardino County Point-In-Time Homeless count and survey, approximately 1,736 homeless persons live in the City of San Bernardino, with 968 of the persons classified as unsheltered homeless, 747 persons estimated to be living in emergency or transitional housing facilities, and the remaining 21 persons counted as using a hotel/motel voucher during the night of the survey. San Bernardino County's homeless can be divided into these subpopulations: chronically homeless, severely mentally ill, chronic substance abusers, veterans, persons with HIV/AIDS, victims of domestic violence, and unaccompanied youths. Chronically homeless persons make up 26 percent of the homeless population in the county at-large, 12 percent are victims of domestic violence, 18 percent are chronic substance abusers, 21 percent are severely mentally ill, another two percent are living with HIV/AIDS, 18 percent are veterans, and three percent are unaccompanied youths. Participants at the community meeting conducted as part of the Analysis of Impediments to Fair Housing Choice also noted the housing needs of post-incarcerated persons and potential discrimination that may result. Participants noted that post- incarcerated persons have difficulty finding housing, as housing applications ask for information on incarceration, limiting access to existing housing options in the City. Inventory of Facilities and Services for the Homeless and Persons Threatened with Homelessness The San Bernardino County Homeless Partnership (SBCHP) was formed to provide a more focused approach to issues of homelessness within the county. The Partnership Chapter 2: Community Profile 29 City of San Bernardino Analysis of Impediments to Fair Housing Choice consists of community and faith-based organizations, educational institutions, nonprofit organizations, private industry, and federal, state, and local governments. A network of nonprofit organizations operates 24 emergency shelter facilities, 24 transitional housing facilities, and seven permanent supportive housing facilities within the county. Emergency shelters often provide accommodation for a few days up to three months. Transitional housing provides shelter for an extended period of time (as long as 18 months) and generally includes integration with other social services and counseling programs that assist people in attaining a permanent income and housing. Permanent supportive housing is rental housing for low income or homeless people with severe mental illness, substance abuse, or HIV/AIDS with accompanying services that further self-sufficiency. The county, individual jurisdictions, and numerous agencies oversee a total of 425 beds in emergency shelters, 461 beds in transitional housing shelters, and 157 beds in permanent supportive housing settings in San Bernardino County. In addition, 67 permanent supportive and 74 transitional housing beds are under development throughout San Bernardino County. The City has cooperative partnerships with numerous organizations that help with homeless services. Table 15 provides a list or homeless service providers within the City. Chapter 2: Community Profile 30 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 15: Homeless Organization Name Location Services Arrowhead United Way 646 North'D'Street Health and human care services. Catholic Charities-San 1800 Western Avenue,#107 Health and human care services. Bernardino Center of Christ 468 West 5th Street Health and human care services. Ministries/Inland Empire Marriage Coalition Central City Lutheran Mission 1354 North'G'Street Housing program for individuals affected with HIV; Cold weather shelter program during the winter months, for men only; Health and human care services. Community Action Partnership 696 S.Tippecanoe Ave. Health and human care services. of San Bernardino County CAP First 5 San Bernardino 330 North'D'Street, 5th Floor Health and human care services to children under 5 and their families. Inland Behavioral Health 1963 North'E'Street Health and human care services; Services, Inc. Substance abuse treatment Phase 1 Transitional Living 1106 N.Barton St. Suite B Transitional housing for single men and women; or women with children. Health and human care services. The Salvation Army 746 West 5th Street Emergency Shelter; Cold 'weather shelter program during the winter months The Salvation Army 730 W.Spruce Street Health and human care services; Cold weather shelter program during the winter months; Motel Vouchers are provided to women and women with children j Time For Change Foundation 2130 N.Arrowhead Ave. Homeless shelter for women recovering from the effects of mental and physical abuse, substance abuse and incarceration; Health and human care services Source:San Bemardino Housing Element,2008 Chapter 2: Community Profile 31 City of San Bernardino Analysis of Impediments to Fair Housing Choice E. Housing Profile To address fair housing issues of a community, the existing housing market must be analyzed to distinguish local and current conditions. The following sections provide an overview of the characteristics of the local and regional housing market. 1. Housing Unit Growth In 2009, the California Department of Finance estimated that there were 66,640 housing units in San Bernardino, an increase of five percent since 2000 (Table 16). San Bernardino's housing growth over the past nine years was comparable to the growth experienced by nearby cities, including Redlands and Rialto. Other surrounding cities, such as Fontana, however, experienced tremendous growth in housing units (40 percent) between 2000 and 2009. The countywide increase in housing units was 15 percent during the same period. Jurisdiction Housing Units Percent Change 2000 F 2009 2000-2009 San Bernardino 63,531 66,640 5% Fontana 35,907 50,365 40% Redlands 24,790 26,807 8% Rialto 26,048 27,075 4% San Bernardino County 601,369 690,234 15% Source: State of California, Department of Finance, E-5 Population and Housing Fsfimates for Cities,Counties and the State,2001-2009,with 2000 Benchmark.Sacramento,California,May 2009. 2. Housing Type The City of San Bernardino's housing stock is comprised primarily of single-family homes. According to California Department of Finance estimates, single-family homes accounted for 63 percent of the housing stock in the City, whereas multi-family housing accounted for 30 percent in 2009 (Table 17). Seven percent of housing units in the City are mobile homes. Surrounding jurisdictions share similar housing type characteristics, with all surrounding jurisdictions having considerably greater proportions of single-family homes. A total of 75 percent of housing units in San Bernardino County are single-family homes, compared to only 19 percent multi-family. Chapter 2: Community Profile 32 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 17 Housinq Type - 1 Housma T ype Jurisdiction Single Multiple 13% Total Units Family Family San Bernardino 42,024 20,129 66,640 63% 30% Cotton 10,268 5,185 16,268 63% 32% Fontana 41,345 7,716 50,365 82% 15% Highland 13,107 2,727 861 16,695 79% 16% 5/° Loma Linda 4,909 3,737 562 9,208 51% 41% 6% Redlands 18,236 7,652 919 26,807 68% 29% 4% Rialto 19,633 5,639 1,803 27,075 73°h 21°/1 7% San Bernardino County 515,492 129,712 45,030 690,234 75k 19/0 A Source:State of California,Department of Finance,E-5 Population and Housing Estimates for Cities,Canfies and the State,2001-2009,with 2000 Benchmark.Sacramento,California,May 2009. 3. Housing Tenure and Vacancy Housing tenure describes the arrangement by which a household occupies a housing unit, that is, whether a housing unit is owner occupied or renter occupied. The way housing tenure is distributed in a community can influence different aspects of the local housing market. For example, residential stability is influenced by tenure, as ownership housing typically exhibits lower turnover rate than rental housing. Higher cost burden, which is defined by HUD as the ratio between payment for housing (including utilitiesl and reported household income, is far more prevalent among renters. A household's tenure is strongly related to household income, composition, and age of the householder. San Bernardino is closely split between owner- and renter-occupied housing units, with 49 percent owner occupied and 43 percent renter occupied. The remaining eight percent of housing units were vacant in 2008 (Table 18). ri. r tTenure 11: Jurisdiction Owner-Occupied Renter-Occupied Vacant Units Housing Units Housing Units San Bernardino 30,977 49% 27,627 43% 5,323(8% San Bernardino Count 365,279 53°k 215,082 31°k 107,009 16% Source:U.S.Census Bureau,2008 American Community Sune 7 Chapter 2: Community Profile 33 City of San Bernardino Analysis of Impediments to Fair Housing Choice 4. Housing Condition State and federal housing programs typically consider the age of a community's housing stock when estimating rehabilitation needs. In general, most homes begin to require major repairs or have significant rehabilitation needs at 30 or 40 years of age. Approximately 49 percent of the housing stock in San Bernardino is over 30 years old (Table 19), indicating the possibility of needed repair and rehabilitation for almost half of the City's housing stock. In rental units, landlords may not complete needed maintenance or repairs requested by tenants as buildings begin to age. Some tenants have resorted to reporting the conditions to the City's Code Compliance Department or County Health Department. Table Age of r r 2008 Number of Units Percent of Total Year Built San San Bernardino San San Bernardino Bernardino County Bernardino Count 1939 or Earlier 5,710 30,447 9% 4% 1940-1949 5,820 26,780 9% 4% 1950-1959 13,191 81,118 21% 12% 1960-1969 8,114 75,252 13% 11% 1970-1979 10,082 120,497 16% 18% 1980- 1989 12,354 163,554 19% 24% 1990-1999 4,894 91,457 8% 13% 2000-2004 2,206 64,461 301 9% 2005 or Later 1,556 33,804 2°k 5% Total 63,927 687,370 100% 1 100% Source:U.S.Census Bureau,2006 American Commun4 Sum The U.S. Census Bureau's 2008 American Community Survey contains information regarding the number of housing units that lack complete plumbing or complete kitchen facilities. These conditions are both indicators of deficient housing units. Approximately 537 units in San Bernardino lacked complete plumbing and 488 units were without kitchen facilities (Table 20). The percentage of units in the City that lacked complete plumbing was slightly higher than in the county as a whole. The percentage of units lacking complete kitchen facilities was the same for both the City and the county. Table I: Housing Stock 1• 11: Units Lacking Complete Units Lacking Complete Jurisdiction Plumbing Kitchen Facilities Number of %of Total Number %of Total Units Occupied Units of Units Occupied Units San Bernardino 537 0.90% 486 0.80% San Bemardino County 3,256 0.60% 4,921 0.80% Source:U.S.Census Bureau,2008 American Community SuNe Chapter 2: Community Profile 34 City of San Bernardino Analysis of Impediments to Fair Housing Choice Lead-Based Paint Hazards Lead poisoning can affect nearly every system in the body and its effects are especially harmful to young children. According to the Centers for Disease Control (CDC), approximately 250,000 children aged one to five years in the United States have elevated levels of lead in their blood. Several factors contribute to higher incidents of lead poisoning: • All children under the age of six years at old are at higher risk. • Children living at or below the poverty line are at a higher risk. • Children in older housing are at higher risk. • Children of some racial and ethnic groups and those living in older housing are at disproportionately higher risk. The CDC has determined that a child with a blood lead level of 15 to 19 micrograms per deciliter (Ng/dl) is at high risk for lead poisoning and a child with a blood lead level above 19 yg/dl requires full medical evaluation and public health follow-up. Lead Hazards Between 2006 and 2009 (three years), the County of San Bernardino Department of Public Health's Childhood Lead Poisoning Prevention Program reported 396 children with elevated blood lead levels (BLL) of 10 micrograms per deciliter (mcg/dL) or greater. The cities of San Bernardino, Fontana, Ontario, and Colton had the highest number of cases, respectively. Cases in the City of San Bernardino accounted for 32 percent of total cases in the County during that three-year period. Estimating Number of Housing Units with Lead-Based Paint The age of the housing stock is an important factor in estimating the number of housing units with lead-based paint. In 1978, the use of lead-based paint on residential property was prohibited. National studies estimate that approximately 70 percent of all residential structures built prior to 1978 contain lead-based paint (LBP), and older structures have the highest percentage of LBP. CHAS data provides the number of housing units constructed before 1970 that were occupied by lower income households. This data can be used to approximate the extent of LBP hazards among lower income households. While information on units constructed before 1978 is not available from CHAS, estimates based on the pre-1970 stock provide a conservative depiction of the extent of LBP hazards. Citywide, approximately 1,023 units occupied by extremely low income households, 3,120 units occupied by low income households, and 4,276 units occupied by moderate income households may contain LBP (Table 21)• Chapter 2: Community Profile 35 City of San Bernardino Analysis of Impediments to Fair Housing Choice VJ RIM1131F.T.Z67M M.r r Number of Units Occupied by r r Percent ' r ' Estimated Number of Units with LBP and Occupied Year Units LowlModerate Income Households Units Low/Moderate Income Households with Built Extremely Low Moderate LB Extremely Low Moderate Low' Low Before 1970 1,461 1 4,458 1 6,109 70% 1,023 3,120 4,276 1.Owner occupied units for extremely low income group not available.Figure includes only rental units 2.Conservative estimate of potential lead hazard Source:HUD CHAS Data,2004. F. Housing Costs and Affordability Some housing problems are directly related to the cost of housing in a community. If housing costs are relatively high in comparison to household income, a correspondingly high prevalence of housing cost burden and overcrowding occurs. However, housing affordability alone is not necessarily a fair housing issue. Fair housing concerns may arise only when housing affordability interacts with factors covered under the fair housing laws, such as household type, composition, and race/ethnicity. 1. Ownership Housing Cost Table 22 shows the median home prices for San Bernardino and surrounding jurisdictions in both October 2008 and 2009. The median home price in San Bernardino decreased by 29 percent between October 2008 and 2009, from $120,000 to $85,000. San Bernardino County as a whole, along with a majority of the cities within the county, had a similar decline in home prices, representative of the national housing and economic crisis. The median home price for the City of San Bernardino has remained approximately half that of the county during the decline. Table • r r II• Jurisdiction Units Sold Median Home Prices %Change October 2009 October 2008 October 2009 Oct 2008-Oct 2009 San Bernardino 367 $120,000 $85,500 -29% Adelanto 87 $122,250 $90,500 -26% Barstow 42 $95,000 $60,750 -36% Bi Bear Lake 51 $335,000 $250,000 -25% Colton 57 $159,000 $110,000 -31% Fontana 363 $247,250 $210,500 -15% Grand Terrace 13 $241,250 $175,000 -28% Highland 67 $222,000 $160,000 -28% Loma Linda 15 $335,500 $188,000 -44% Redlands 60 $253,500 $260,000 3% Rialto 158 $190,000 $146,000 -23% Yucaipa 60 $258,500 $196,750 -24% San Bernardino County 3,176 $200,000 $150,000 -25% Source:Data Quick Information Systems,2009 Chapter 2: Community Profile 36 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Rental Housing Cost ... Given the large rental market in the City (43 percent of all housing units are rented), it is important to evaluate the affordability of the housing stock available for rent. The following are rental rates in 2010, based on an internet search of available listings: • Studio: $525 - $700 • One-bedroom apartment: $625 - $790 • Two-bedroom apartment: $795 - $900 • Three-bedroom apartment: $900 - $1,250 • Three-bedroom home: $1,100 - $2,200 3. Housing Affordability While affordability is not a fair housing issue, it does affect housing choice. Fair housing concerns may also arise when housing affordability issues disproportionately affect groups that are protected by fair housing laws. Housing affordability for a household is dependent upon income and housing costs. Using income limits established by HUD, current housing affordability can be estimated for the various income groups (Table 23). Given the median home prices presented in Table 22, homeownership and market rents may be within the reach of some low and moderate income households, mostly due to recent declines in home prices. However, extremely low income households cannot afford market rents in the City of San Bernardino. Chapter 2: Community Profile 37 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 23: San Bernardino County Housing Affordability Income Levels Taxes Mamum Affordable xi Income Group Utilities and Housin Costs Annual Affordable Income Pa ent Insurance Home Rental Extreme) Low 0-30%MFI One Person $14,000 $350 $50 $80 1 $38,674 $300 Small Family $18,000 $450 $50 1 $90 1 $54,495 $400 Large Family $21,600 $540 $50 $100 $68,558 $490 Low 30-50%MFI One Person 23,300 $583 $50 $115 $73,392 $533 Small Family t--$$$35,950 29,950 $749 $100 $130 $91,191 $649 Large Family $899 $150 $145 $106,133 $749 Moderate(50-80%MFI) One Person $37,300 $933 $50 $165 $126,129 $883 Small Family $47,950 $1,199 $100 $190 1 $159,749 1 $1,099 Large Family $57,550 $1,439 $150 $220 1 $187,875 F $1,289 Notes: 1.Small Family=3 persons;Large Families=5 or more persons 2.utility costs for renters assumed at$501$100/$150 per month 3.Monthly affordable rent based on payments of no more than 30%of household income 4.Property taxes and insurance based on averages for the region 5.Calculation of affordable home sales prices based on a doom payment of 10%,annual interest rate of 6.5%,30-year mortgage, and monthly payment of gross household income 6.Median Family Income in 2009 for San Bernardino Count =$65,400 4. Housing Cost Burden State and federal standards specify that a household experiences a housing cost burden if it pays 30 percent or more of its gross income on housing. Households experiencing housing cost burden often have limited remaining income for other necessities. Upper- income households generally are capable of paying a larger proportion of income for housing; therefore, estimates of housing cost burden generally focus on low and moderate income households. Table 24 shows the distribution of households experiencing housing cost burden in the City of San Bernardino. A higher percentage of renter households (48 percent) were affected by cost burden than all households in the City (38 percent). Table Housing Cost by 111 City of San Bernardino San Bernardino Count Housing Problem Number %of Number %of Households Households Cost Burden All Households 21,318 38% 176,990 34% Owner-Occupied 8,544 29% 100,247 30°k Renter-Occupied 12,769 48% 77,189 41% Source:HUD CHAS,2004 Chapter 2: Community Profile 38 City of San Bernardino Analysis of Impediments to Fair Housing Choice 5. Overcrowding Overcrowding is an important indicator of household need. An overcrowded household is defined as one with more than one person per room, excluding bathrooms, kitchens, hallways, and porches. Severely overcrowded households are those with more than 1.5 persons per room. Unit overcrowding typically results from the combined effect of low earnings and high housing costs in a community, and reflects the inability of households to buy or rent housing that provides a reasonable level of privacy and space. Overcrowding accelerates deterioration of homes and infrastructure, and results in a shortage of on-site parking. The 2008 American Community Survey reports that 15.1 percent of occupied housing in the City is overcrowded. The incidence of overcrowding in the City of San Bernardino is much higher than countywide (8.6 percent). Severely overcrowded households are also more prevalent in the City than the county at large; 6.3 percent of households in the City were overcrowded in 2008, compared to 2.5 percent in the county (Table 25). Table Bernardino r Overcrowding 118 %of All Housin Units San Bernardino San Bernardino County Overcrowded 1.01-1.5 rsons/room 8.8% 6.1% Severe) Overcrowded >1.5 persons/room) 6.3°k 2.5% ^w^ Total Overcrowded >1.0 person/room) 15.1% 8.6% Sources U.S.Census Bureau,2008 American Community Survey The prevalence of overcrowding varies significantly by income, tenure type, and size of household. Generally, lower-income households and large families are disproportionately affected by overcrowding. However, cultural differences also contribute to the overcrowding condition since some cultures tend to have larger household sizes. As indicated in Table 26, overcrowding is more than twice as likely to occur in renter- occupied housing units (21.4 percent) versus owner-occupied units (9.4 percent). . r M Overcrowdino by r • 11: %of All Owner Occupied %of All Renter Occupied Housinq Units Housing Units Overcrowded 1.01-1.5 persons/mom) 7.4% 10.2% Severe) Overcrowded >1.5 persons/room) 2.0% 11.1% Total Overcrowded >1.0 person/room) 9.4% 21.4% Source:U.S.Census Bureau,2008 American Community Surve 4 Chapter 2: Community Profile 39 City of San Bernardino Analysis of Impediments to Fair Housing Choice - G. Public and Assisted Housing Profile The availability and location of public and assisted housing may be a fair housing concern. If such housing is concentrated in one area of a community, a household seeking affordable housing is limited to choices within that area. In addition, public/assisted housing and Section 8 Housing Choice Voucher assistance should be accessible to lower income households regardless of race/ethnicity, disability, or other protected class status. 1. Public Housing The Housing Authority of the County of San Bernardino (HACSB) manages 1,661 units of public housing throughout the County of San Bernardino. These units were developed with funding from HUD, and HACSB continues to receive operating subsidies for these units. Throughout the years, other non-HUD units were either acquired and/or developed through various partnerships with the state of California, San Bernardino County of Community Development and Housing, various cities and Housing Partners, Inc., a non-profit housing corporation. Throughout the County, HACSB has 1,136 authority-owned units, and 154 of those units are located in the City of San Bernardino. There are 19,807 people on the public housing waiting list; 5,780 of those live in the City of San Bernardino. The demographic information of public housing residents in both the County and City of San Bernardino is presented in Table 27. More than a quarter of public housing households have a disabled member and 10 percent have an elderly member. With regard to race, public housing residents are most likely to be White or Black (49 percent and 40 percent, respectively). Almost half (46 percent) of public housing residents are of Hispanic origin. Demographic information of the public housing waiting list is not available. Chapter 2: Community Profile 40 City of San Bernardino Analysis of Impediments to Fair Housing Choice 1111111711117MR181 Characteristic City of San County Bemardino Special Needs Elderly 10.3°k 7.0% Disabled 25.4°k 13.0% Race White 48.7% 56.5% Black 39.5% 36.1% American Indian 0.2% 0.6% Asian 6.2% 4.9% Native Hawaiian 2.5% 1.9% Other/Declined to Answer 2.9% — Ethnicit His anic 46.1% 44.7% Non-Hispanic 53.1% 54.8% Declined to Answer 0.8% 0.5% Notes: 1. Data for family type calculates percentage of families with any family member exhibiting characteristic 2. Data for ethnicity accounts for all persons in households receiving housing choice vouchers Source:Housing Authority of the County of San Bernardino,2010 2. Tenant-Based Rental Housing Assistance Section 8 is a rent subsidy program that helps low income families (those earning up to 50 percent MFI) and seniors pay rents in private units. Section 8 tenants pay a minimum of 30 percent of their income for rent and the Housing Authority through funds provided by HUD pays the difference, up to the payment standard established by the Housing Authority. The program offers low income households the opportunity to obtain affordable, privately-owned rental housing and to increase their housing choices. The Housing Authority establishes payment standards based on HUD-established fair market rents. The owner's asking price must be supported by comparable rents in the area. Any amount in excess of the payment standard is paid by the program participant. As of 2009, 7,771 households received a Housing Choice Voucher (HCV), commonly referred to as Section 8, in the County of San Bernardino. Residents in the City of San Bernardino receive the largest proportion of those vouchers 12,249 vouchers). Countywide, approximately 68 percent of HCV recipients have children, are seniors, or are individuals with disabilities; approximately 47 percent are households with children, nine percent of households are headed by seniors, and 20 percent of all residents receiving a Housing Choice Voucher are disabled. The waiting list for the HCV Program has over 27,000 applicants, 7,453 of which are residents of the City of San Bernardino. Table 24 presents the demographic characteristics of HCV participants and those on the HCV waiting list. Chapter 2: Community Profile 41 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Demographics of r r Choice Voucher r .nts anr List Waiting Partici ants Waitin List City of San County City of San County Bernardino Bernardino Totals 2,249 7,771 7,453 27,412 Family Type Elderly 17.6% 9.0% 5.0% 5.9% Disabled 44.3% 20.0% 6.4% 1.6% Race White 36.8% 42.3% 22.1% 24.7% Black 55.2% 55.4% 56.7% 54.9% American Indian 0.5% 0.6% 1.3% 1.6% Asian 1.5% 1.6% 1.2% 1.1% Native Hawaiian 0.0% 0.1% 0.7% 0.7% Other/Declined to Answer 6.0% - 18.0% 16.9% Ethnicity Hispanic 28.0% 25.2% 27.4% 25.6% Non-Hispanic 72.0% 74.8% 62.7% 63.9% Declined to Answer - 9.8% 10.4% Notes: 1. Waiting list was closed to new applicants in 2007 2. Data for family type calculates percentage of families with any family member exhibhing characteristic 3. Data for ethnicity accounts for all persons in households receiving housing choice vouchers Source:Housing Authority of the County of San Bernardino,2010 More than 44 percent of HCV participants are disabled, and almost 18 percent are elderly. More than half of HCV participants are Black (55 percent) and 28 percent are Hispanic. With regard to the waiting list, a small percentage of households contain an elderly or disabled member 15 percent and 6 percent, respectively). Racial/Ethnic characteristics of those on the HCV waiting list are predominantly similar to those persons currently receiving HCV assistance. Chapter 2: Community Profile 42 City of San Bernardino Analysis of Impediments to Fair Housing Choice 3. Project-Based Rental Housing Assistance In addition to public housing and Section 8 assistance, 11 federally assisted multi- . family housing projects provide 1,009 affordable housing units in the City of San Bernardino. Error! Reference source not found. provides data on the City's federally assisted multi-family housing stock. All of these developments maintain project-based Section 8 rental assistance or other subsidies to ensure affordability of the units to low income households. Table 29: Federally Assisted Mul i-Family Housing Assisted Potential Project Total Units Units Program Earliest Expiration AHEPA 302 Apartments Gilbert and Parkside 90 90 Section 202 2064 Lutheran Senior 2355 N. Osborn Road 50 49 Bond/HOME 2040 Little Zion Manor 125 125 Section 8 2021 2000 Jubilee Ct. Pioneer Street Plaza 161 160 Section 81 RDA UM 2055 s 540 North F Street San Bernardino Senior Housing 1530 W. Baseline Street 74 74 Section 2021 HOME 2056 St. Bemardine Plaza 150 148 Section 202/HOME 2034 0 584 West 5th Street Sterling Village 74 74 Section 8 4/28/2013 7630 Sterling Avenue TELACU I Sierra Vista 75 75 Section 202 2057 j 650 W 6th Street TELACU II Monte Vista 75 75 Section 202 2057 451 H Street TELACU III Buena Vista 75 74 Section 202 2059 365 E Commercial Village Green Apartments 184 65 Section 8 5/3112010 2122 Chestnut Street Total 1,133 1 1,009 H. Community Facilities The City of San Bernardino has a wide array of public and private facilities to meet the needs of its residents, including those with special needs and lower incomes. These facilities provide important services including after-school programs, assistance/advocacy programs, educational programs, job training, and recreational activities. The City continues to expand its inventory of park and recreational facilities to accommodate the growing population. 4 Chapter 2: Community Profile 43 City of San Bernardino Analysis of Impediments to Fair Housing Choice There are a total of 52 developed parks and recreational facilities in the City including 19 neighborhood parks, 10 community parks, 17 mini-parks, three regional parks, and three special facilities (including community buildings and senior centers). These parks contain a range of facilities, including children's play equipment, tennis and volleyball courts, and athletic fields. The City provides recreational services at the local schools located throughout San Bernardino under a joint resolution adopted by the Common Council and the school district. The schoolyard facilities remain open in the daytime hours after school for recreational use of the community. The City Parks, Recreation, and Community Services Department operates a variety of recreational programs on school grounds, including the Tiny Tot program, Senior Citizen leisure programs, and active and passive programs for all age groups including after-school activities during the regular school year. For the use of school building facilities and pools, the City pays rental fees. San Bernardino is home to seven community centers that offer a variety of leisure and social activities for all ages and cultural interests, such as youth and adult sports, summer and off-track lunch program, teen and youth clubs, tutoring, arts and crafts, senior nutrition, family night, etc. The centers also act as a focal point for collaboration and partnership with other organizations and agencies to provide specialized services and resources such as the HeartSmart Program, English as a Second Language classes, teen pregnancy prevention programs, immunization, health screenings, food distribution, and Headstart. �- I. Licensed Community Care Facilities Persons with special needs such as the elderly and those with disabilities must also have access to housing in a community. Community care facilities provide supportive housing environments to persons with special needs in a group setting. Restrictions that prevent this type of housing from locating in a community impede equal access to adequate housing for special needs groups. A summary of Licensed Community Care Facilities in San Bernardino that serve some of the special needs groups is provided in Table 30. There are 65 licensed community care facilities located in San Bernardino with a total capacity to serve a total of 1,083 persons. . r I •d CommunityCare Facifities2009 Total Number of Capacity(Number of Type of Facility Facilities Beds or Persons) Total Adult Day Care 6 295 Adult Residential Facility 40 336 Group Home 9 54 Residential Care for the Elderly 10 398 Total 65 1,063 Source:Califomia Department of Social Services,Communi Care Licensing Division,2009 Chapter 2: Community Profile 44 City of San Bernardino Analysis of Impediments to Fair Housing Choice Adult day care facilities provide programs for frail elderly and developmentally disabled and/or mentally disabled adults in a day care setting. Adult residential facilities provide care for developmentally and mentally disabled adults. Group homes are facilities of any capacity and provide 24-hour non-medical care and supervision to children in a structured environment. Group homes can provide social, psychological, and behavioral programs for troubled youths. Residential Care Facilities for the Elderly (RCFEs) can accommodate seniors with dementia and/or those who are non-ambulatory. Figure 6 shows the geographic distribution of these facilities, as well as local emergency shelters, transitional shelters, and transitional housing offering substance abuse services, in relation to low and moderate income areas in San Bernardino. Although there are clusters of facilities in various areas throughout the City, no concentration in the low and moderate income or minority areas is evident. Chapter 2: Community Profile 45 m a 'off 6g as; a . a of LL a c F a e E € v r *ill O 6n \z • • t, 0& .eF•� • °���• •l Tam _ . oas? T -O E •u� \ \\\ - u E u u Rill E u= J o E a E P V C C S 8oE-m°— A o j •O G O Q O ® O w J C Vl b y ? m d 1 City of San Bernardino Analysis of Impediments to Fair Housing Choice Ails J. Public Transportation Analysis of public transportation options aids the analysis of impediments to fair housing choice because access to public transportation is important to households with low incomes. Public transportation should be available to link lower-income persons, who are often transit dependent, to major employment centers where job opportunities exist. The lack of a relationship between public transportation, employment centers, and affordable housing may impede fair housing choice because persons who depend on public transportation will have limited choices of places to live. In addition, certain special needs groups, such as the elderly and disabled, also often rely on public transportation to run errands, visit the doctor, reach community facilities, or conduct other activities. Public transit that provides a link between job opportunities, public services, and housing ensures that everyone has an equal opportunity of access. Omnitrans provides public transportation services to the City of San Bernardino and surrounding areas of San Bernardino County. There are12 fixed-route bus lines that provide transportation to the residents of the City of San Bernardino (Table 31). Omnitrans is also developing the San Bernardino Express (sbX) Bus Rapid Transit Line, projected to start service in 2013. The proposed 15.7-mile E Street Corridor of the sbX is planned to connect California State University San Bernardino, downtown San Bernardino, Hospitality Lane, Loma Linda University Medical Center and the Jerry Pettis Memorial Veterans Health Center. Omnitrans envisions that the sbX will boost mobility between heavily traveled areas of San Bernardino and create a new transit alternative for key downtown workforce centers, including San Bernardino City Hall, the San Bernardino Superior Courthouse, and the San Bernardino County Government Center. Chapter 2: Community Profile 47 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 31: Ormnitrans Fixed-Route Route Name Description of Route 1 ARMC-San Bernardino-Del Rosa.This route connects Colton and San Bernardino. 2 Cal State- E-St. - Loma Linda. This route connects Cal State San Bernardino and Loma Linda. 3&4 Baseline - Highland - San Bernardino. Route 3 connects West San Bernardino, Baseline, and Highland. Route 4 connects West San Bernardino and Highland. 5 San Bernardino- Del Rosa-Cal State. This route connects San Bernardino and Del Rosa and Cal State San Bernardino. 7 N. San Bernardino - Sierra Way - San Bernardino. This route connects San Bernardino, Sierra Way,and Verdemonte. 8 San Bernardino - Menton —Yucaipa. This route connects San Bernardino with Menton and Yucaipa, 97 San Bernardino- Redlands—Yucaipa. This route connects San Bernardino with Mentone and Yucaipa. 10 Fontana- Baseline-San Bernardino.This route connects San Bernardino to Baseline and Fontana. 7 1 San Bernardino- Muscoy- Cal Slate.This route connects downtown San Bernardino with Musco . 14 Fontana- Foothill -San Bernardino. This route connects San Bernardino with Foothill and Fontana. 15 San Bernardino/Highland — Redlands. This route connects San Bernardino to Rialto and Fontana. 215 San Bernardino—Riverside.This route connects San Bernardino and Riverside. Source:Omnitrans,2009 1. Public Transit Accessibility All Omnitrans vehicles support the needs of the disabled community and are equipped with lifts or ramps to aid with boarding of wheelchairs or other mobility devices. Riders with disabilities, along with the elderly, are entitled to ride Omnitrans buses at a reduced fare. Additionally, Omnitrans offers a pre-reservation, shared ride service called Access. Access is designed to meet ADA requirements and provides equal access to public transportation for persons who are physically or cognitively unable to use regular bus service. Access provides curb-to-curb service to complement the Omnitrans fixed-route bus system. The Access service area is defined as up to 0.75 mile on either side of an existing bus route. The use of Access requires reservations at least one day but no more than seven days in advance. 2. Major Employers in San Bernardino Twelve of the largest employers in the City, along with their location, are identified in Table 32. The three largest employers in San Bernardino in 2008 were the County of San Bernardino, Stater Brothers Markets, and the San Bernardino City Unified School Chapter 2: Community Profile - 48 City of San Bernardino Analysis of Impediments to Fair Housing Choice District. Figure 7 shows the location of these 10 major employers in relation to public transportation routes offered by Omnitrans. Table r r r Bernardino 2008 Employer Name Approximate Location Employees County of San Bernardino 18,000 385 N Arrowhead Ave' Staler Brothers Markets 7,9002 301 S Tippecanoe Ave San Bernardino City Unified School District 7,722 777 North F St Patton State Hospital 2,500 3102 E Highland Ave San Manuel Band of Mission Indians 2,500 Various Locations California State University San Bernardino 2,100 5500 University Parkway St. Bernardine Medical Center 1,538 2101 North Waterman Ave City of San Bernardino 1,500 300 North D St3 Burlington Northern Santa Fe Railway Rail and 1,500 1535 W 4th St Community Hospital of San Bernardino 1,200 1805 Medical Center Dr California State Department of Transportation 1,000 464 W 4th St Inland Center Mall 1,000 500 Inland Center Dr 1 Address reflects San Bernardino County's main government building;San Bernardino County employees are distributed amongst various County facilities within the City. 2 Amount accounts for all persons employed by Stater Brothers- including employees working at store locations outside the City; Employee totals for corporate headquarters and distribution center in the City were unavailable. 3 Address reflects San Bernardino City Hall;City of San Bernardino employees are distributed amongst various City facilities within the City. Source:City of San Bernardino Economic Development Agency,2008 Chapter 2: Community Profile 49 2 gis Hm m Ez ° >5° v �x 0 n m�F °c c � ¢ v w �••1 �� mo o aEm �Ef F Zp W \ ••� um aC�O 5 W.WM41 Q LL m'Z�• p m ` J in a III � a u2 y \ 00 c '� " •V w O O r ! O d d C N o w C m C E � m E w m e o e e a 8 200 o Ln .ZF 100 2 N N Iep u Iep N u u 1pmN p U° q Cdr UQ lL O � � � � � f i � � 1 f.O Um City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 3 Lending Practices A key aspect of fair housing choice is equal access to credit for the purchase or improvement of a home. Lending policies and requirements related to credit history, current credit rating, employment history and general character of applicants permit lenders to use a great deal of discretion and in the process deny loans even though the prospective borrower would have been an acceptable risk. This chapter reviews the lending practices of financial institutions and the access to home loans for minorities and all income groups. A. Background Discriminatory practices in home mortgage lending have evolved in the last five to six decades. In the 1940s and 1950s, racial discrimination in mortgage lending was easy to spot. From government-sponsored racial covenants to the redlining practices of private mortgage lenders and financial institutions, minorities were denied access to home mortgages in ways that severely limited their ability to purchase a home. Discriminatory lending practices today are more subtle and take varying forms. While mortgage loans are readily available in low income minority communities, some mortgage brokers push minority borrowers into higher-cost subprime mortgages that can lead to financial problems by employing high-pressure sales practices and deceptive tactics. Consequently, minority consumers regardless of their credit history, income and other individual financial considerations continue to have less-than-equal access to loans at the best price and on the best terms that are possible for them. 1. Legislative Protection The passage of the Community Reinvestment Act (CRA) in 1977 was designed to improve access to credit for all members of the community. The CRA is intended to encourage regulated financial institutions to help meet the credit needs of entire communities, including low and moderate income neighborhoods. The CRA requires that each insured depositary institution's records in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities, including mergers and acquisitions. In tandem with the CRA, the Home Mortgage Disclosure Act (HMDA), initially enacted in 1975 and substantially expanded in 1989, required banks to disclose detailed information about their mortgage lending. The law aimed to curb discrimination compelled banks, savings and loan associations and other lending institutions to report annually the amounts and geographical distribution of their mortgage applications, origins and purchases disaggregated by race, gender, annual income and other Chapter 3: Lending Practices 51 City of San Bernardino Analysis of Impediments to Fair Housing Choice characteristics. The data, collected and disclosed by the Federal Financial Institutions Examination Council, were made available to the public and to financial regulators to determine if lenders were serving the housing needs of the communities where they were located. Detailed HMDA data for conventional and government-backed home purchased and home improvement loans in San Bernardino are presented in this chapter. 2. Conventional versus Government-Backed Financing Conventional financing involved market-rate loans provided by private lending institutions such as banks, mortgage companies, savings and loans and thrift institutions. To assist lower and moderate income households that may have difficulty in obtaining home mortgage financing in the private market due to income and equity issues, several government agencies offer loan products that have below market rate interests and insured ('backed") by the agencies. Sources of government backed financing include loans insured by the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), and the Rural Housing Services/Farm Service Agency (RHA/FSA). Often government-backed loans are offered to the consumers through private lending institutions. Local programs such as first-time homebuyer and rehabilitation programs are not subject to HMDA reporting requirements. Typically, low income households have a much better chance of getting a government- assisted loan than a conventional loan. However, the recent lending market offered sub-prime loan options such as zero percent down, interest-only and adjustable loans. As a result, government-backed loans have been a less attractive option for many households. With the recent difficulties in the sub-prime housing market, however, this option is no longer available and many households are facing foreclosure. In response, the federal government in September 2007 created a government-insured foreclosure avoidance initiative, FHASecure, to assist tens of thousands of borrowers nation-wide in refinancing their sub-prime home loans. As government-backed loans are again publicized and sub-prime loans are less of an option to borrowers, the increased use of government-backed loan applications is likely. However, expanded marketing to assist potential homeowners in understanding the requirements and benefits of these loans may be necessary. B. Conventional Home Loans 1. Home Purchase Loans Conventional loan approval and denial rates among racial and ethnic groups in San Bernardino from 2003 and 2008 are compared in Table 33 and Table 34. A total of 1,965 households applied for conventional home loans in San Bernardino in 2008 (Table 34)." This represents a significant decrease in the number of loan applications ° HMDA data for 2009 will not be released until late 2010. Chapter 3: Lending Practices 52 City of San Bernardino Analysis of Impediments to Fair Housing Choice from 2003 (Table 33). The overall approval rate of 54 percent in 2003 declined to 42 percent by 2008. There was also a greater rate of denial in 2008; 23 percent in 2008 compared to 17 percent in 2003. The lower number of applications as well the higher denial rate and lower approval rate are all indicators of the housing market crash. In 2008 it was significantly more difficult to secure home financing than it was in 2003. San Bernardino County had similar loan trends among racial groups in 2003 and 2008. In the County, the highest proportion of loan applications was among White residents (31 percent in 2003 and 32 percent in 2008) and Hispanic residents (27 percent in 2003 and 29 percent in 2008). In the City, more Hispanic residents applied for home loans than White residents. Rates of approval and denial are similar between the City and the County. The "Loans Purchased" column represents loans that were approved/originated by one lender but were sold to another lender. These loans usually apply to subprime loans, as discussed below. In 2008, the highest proportion of loans purchased was within the group that did not report race (the "Not Applicable" group). Among those that did report their race, Asian households had the highest proportion of loans purchased. In 2003, the proportions of loans purchased were fairly comparable among all groups with the exception of the "Not Applicable" group which had a high rate of loans purchased. Table Disposition of ° °nal Home Purchase Loan Applications by of Applicant rl Total Approved Denied Withdrawn Loans RacelEthniciry Closed Purchased # % # % # % # % # % Native American 38 0.5% 25 65.8% 7 18.4% 1 2.6% 5 13.2% Asian 310 4.5% 211 68.1% 49 15.8% 20 6.5% 30 9.7% Black 588 8.4% 329 56.0% 138 23.5% 56 9.5% 65 11.1% Hispanic 2,643 ,38.0% 1,560 59.0% 494 18.7% 276 10.4% 313 11.8% White 1 1,484 21.3% 912 61.5% 215 14.5°k 130 8.8% 227 15.3% Joint 156 2.2% 100 64.1% 29 18.6% 10 6.4% 17 10.9% Other 99 1.4% 67 67.7% 14 14.1% 7 7.1% 11 11.1% Not Available 1,646 23.6% 564 34.3% 211 12.8% 109 6.6% 762 46.3% Total 6,964 t 100.0% 3,768 54.1% 1,157 16.6% 609 8.7% 1,430 20.5% source:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds ojoint applications. Chapter 3: Lending Practices 53 City of San Bernardino Analysis of Impediments to Fair Housing Choice 7an r r 77341 pproved Denied Wit hdrawn or Loans y Closed Purchased d 67.6% 4 10.8% 3 8.1% 5 13.5% 8 22.8°k 61 14.3% 34 7.9% 235 54.9% Hispanic 45.3°h 215 28.6% 104 13.8% 92 12.2% Non-Hispanic Groups Native American 6 0.3% 1 16.7% 2 33.3% 2 33.3% 1 16.7% Asian 158 8.0% 65 41.1°k 33 20.9°k 20 12.7°k 40 25.3% Black 80 4.1% 25 31.3% 26 32.5°h 16 22.5°k 11 13.8% Pac. Island 4 0.2% 3 75.0% 1 25.0% 0 0.0% 0 0.0% White 466 23.7% 244 52.4% 107 23.0% 47 10.1% 68 14.6% 2 or more minorities 1 0.1% 1 100.0% 0 0.0% 0 0.0% 0 0.0% Joint 15 0.8% 8 53.3% 5 33.3% 1 6.7% 1 6.7% Not Available 18 0.9% 10 55.6% 4 22.2% 2 11.1% 2 11.1% Total 1,965 100.0% 821 41.8% 458 23.3% 231 11.8% 455 Source:HMDA data,2008. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications. Among ethnic groups, Hispanic populations accounted for the largest number of loan applications in 2008 and 2003. They also maintained an approval rate of 45 percent in 2008. The second largest group of applicants is the non-Hispanic White population which maintained a higher rate of approval and lower rate of denial than the Hispanic population. The Asian population also had a high number of applications but the approval rate declined from 68 percent in 2003 to 41 percent in 2008. In 2008, the highest levels of denial were among Black, Native American and Joint (all non-Hispanic) as well as Hispanic households. This was also true in 2003. The lowest approval rates in 2008 were among Black and Native American households (excluding Not Applicable). The variance of approval rates between racial/ethnic groups was greater in 2008 compared to 2003. In both 2003 and 2008 the highest proportion (31 percent and 40 percent) of loan applications originated from the highest income group (earning over 120 percent of AMI). In 2003, approval and denial rates correlated with applicant income; as applicant income increased, approval rates increased and denial rates decreased. However, in 2008 the highest approval and lowest denial rates were among low and moderate income households. In 2008, during the depth of the housing slump, real estate transactions were focused at the lower end of the price range. Financing was difficult to obtain for higher-priced homes, requiring larger loans and higher incomes. Trends among income groups were similar between the City and County in 2003 and 2008. The higher approval rates and lower denial rates among low and moderate income groups observed in the City in 2008 were also observed in the County. Chapter 3: Lending Practices 54 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Disposition of • •nal Home Purchase Loan Applications by p 11 Applicant Total Approved Denied Withdrawn or Loans Income Closed Purchased (%MR) # % # % # % # % # % <50% 286 4.1% 136 47.6% 81 28.3% 42 14.7% 27 9.4% 50%to<80% 1,280 18.4% 739 57.7% 251 19.6% 124 9.7% 166 110% 80%to<100% 1,273 18.3% 775 60.90/6 238 16.7% 100 7.9% 160 12.6% 100%to< 120% 985 14.1% 595 60.4% 178 18.1% 94 9.5% 118 12.0% >=120% 2,169 31.1% 1,370 63.2% 367 16.9% 194 8.9% 238 11.0% Not Available 971 13.9% 153 15.8% 42 4.3% 55 5.7% 721 74.3% Total 6,964 100.0% 3,768 54.1% 1,157 16.6% 609 8.7% 1,430 20.5% Source:HMDA data,2003. Note:AMI=Area Median Income. Table Disposition of • •nal Home Purchase Loan Applications by • Applicant 11: Applicant Total Approved Denied Withdrawn or Loans Income Closed Purchased %MFI # % # % # % # % # I % <50% 83 4.2% 30 36.1% 36 43.4% 11 13.3% 6 7.2% 50%to<80% 312 15.9% 149 47.8% 71 22.8% 44 14.1% 48 15.4% 80%to<100% 298 15.2% 146 49.0% 72 24.2% 33 11.1% 47 15.8% 100%to<120% 280 14.2% 121 43.2% 74 26.4% 36 12.9% 49 17.5% >=120% 797 40.6% 362 45.4% 200 25.1% 103 12.9% 132 16.6% Not Available 195 1 9.9% 13 6.7% 5 2.6% 4 21% 173 88.7% Total 17965 100.0% 821 41.8% 458 23.3% 231 11.8% 455 23.2% Source:HMDA data,2008. Note: AMI=Area Median Income The HMDA data reveals that racial composition of conventional home loan applicants is somewhat different than the racial composition of City residents (Table 37). The major discrepancies are among Asian and Black residents. The proportion of Asian applicants was double the proportion of Asian residents while the proportion of Black applicants was only a quarter of the proportion of Black residents. Chapter 3: Lending Practices 55 City of San Bernardino Analysis of Impediments to Fair Housing Choice 1111MUMN12TIMMUS KMMITr r r. r 'rr r r Race/Ethnicity %of Total %of Total Applications Population Hispanic 38.3% 47.5% Not Available 22.7% Joint Hispanic and Non-His anic 1.9%Non-Hispanic Populations Native American 0.3% 0.3% Asian 8.0% 4.1% Black 4.1% 16.0% Pacific Islander 02% 0.3% White 23.7% 28.9% Joint 0.8% - Total 100.0% Notes:'-'indicates that there is no comparable Census category. The'%of Total Population'category will not total 100%because the Census and HMDA race categories are not identical. The Census induces an'Other'and'Tm or More Races'category. Sources: 1. Bureau of the Census,2000 2. HMDA data,2008 Compared to data from 2003, the racial composition of conventional loan applicants has not shifted significantly. The two most prominent racial groups in the City, Hispanic and White, also represent the two most prominent applicant groups. In 2003 and 2008, Hispanics accounted for 38 percent of all applications and White residents comprised 21 percent of applicants in 2003 and 24 percent in 2008. Analysis of lending patterns for different races/ethnicities of the same income levels can help reveal patterns not discernable when analyzing lending data by race or income separately. While this analysis provides a more in-depth look at lending patterns, it still cannot provide a reason for any discrepancy. Aside from income, many other factors can contribute to the availability of financing, including credit history, the availability and amount of a down payment, and knowledge of the home buying process, among others. The HMDA data does not provide insight into these and many other factors. However, the City should continue to monitor the approval rates among racial/ethnic and income groups and continue to take appropriate actions to remove barriers to financing, including credit counseling, down payment assistance and home buyer education programs. The disposition of conventional home purchase loan applications by race and income is displayed in Table 38 and Table 39. In 2003, a higher proportion of Asian applicants (from nearly all income categories) were approved when compared to other applicants and low income Hispanic applicants were approved at a higher rate than White and Black applicants. Even among the above moderate income group (those making more than 120 percent of MR), approval rates varied by race with 73 percent of Asian, 65 percent of White, 62 percent of Hispanic, and 59 percent of Black applicants. Chapter 3: Lending Practices 56 City of San Bernardino Analysis of Impediments to Fair Housing Choice This loan approval pattern was not observed with analysis of countywide applicants. In 2003, approval rates for San Bernardino County residents were generally comparable for all racial/ethnic groups within the same income category. The City's apparent disparity in lending patterns by race and income in 2003, especially among higher income households with presumably greater capacity to enter the homeownership market, is cause for concern. Table Approval Rates of • •nal Home Purchase Loan Applications by Race and Income of ' •• 11 Applicant Income Asian I ck His anic White %MFI Total % Total % Total % Total % <50% 4 80.0% 12 48.0% 80 50.3% 25 50.0% 50%to<80% 26 66.7% 52 49.5% 436 59.2% 112 52.3% 80%to<100% 34 60.7% 68 61.3% 391 60.5% 154 61.8% 100%to<120% 36 75.0% 60 60.0% 235 57.9% 161 66.0% >=120% 109 72.7% 134 58.0% 358 61.9% 429 65.1% Not Available 2 16.7% 3 18.8% 60 50.8% 31 45.6% Total 211 68.1% 329 56.0% 1,560 59.0% 912 61.5% Source:HMDA data,2001 Note:AMI=Area Median Income. The large proportion of lower income applicants approved for loans in 2003 is another potential cause for concern. Approximately 50 percent of lower income Black, Hispanic and White applicants and approximately 70 percent of lower income Asian applicants were approved for home purchase loans in 2003 during the peak of the market. An active housing market increases opportunity for predatory lending and it is unclear whether these lower income households were targeted for aggressive marketing and actually able to afford the home loans they were approved for. The higher approval rates for lower income are troubling because it could indicate some of these households were victims of predatory lending. In 2008, approval rates declined overall; however, the disparities observed in 2003 remained with Asian and White applicants approved and Black applicants denied at rates disproportionate to the overall applicant pool. The most striking disparity is observed among the above moderate income group; only 27 percent of Black applicants were approved compared to 48 percent of Asian, 47 percent of Hispanic, and 54 percent of White applicants. Since it is assumed that most households in this income category are financially capable of purchasing homes, the discrepancy in home loan approval rates is disconcerting. As in 2003, the disparate lending patterns observed in the City were not observed among countywide loan applications in 2008. White, Hispanic and Black residents of the County were approved at higher rates than these residents of the City, with the greatest discrepancy among Black applicants. The approval rate for above moderate income Black applicants in the County (46 percent) were substantially higher than City applicants within this income group (27 percent). Chapter 3: Lending Practices 57 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Approval of r r nal Home Purchase Loan Applications by r Income of ' rr II• Applicant Income Asian 11 Black I Hispanic White MR) Total % Total % Total % Total % <50% 1 33.3% 2 28.6% 20 40.8% 6 46.2% 50%to<80% 10 43.5% 5 41.7% 78 52.7% 36 60.0% 80%to< 100% 12 63.2% 1 25.0% 79 50.6% 41 56.6% 100%to< 120% 8 61.5% 7 46.7% 47 39.8% 33 44.6% >=120% 34 47.9% 10 27.0% 117 47.0% 124 54.1% Not Available 0 0.0% 0 0.0% 2 5.3% 4 20.1% Total 65 41.1% 25 31.3% 343 45.3% 244 52.4% Source:HMDA data,2008. Note: MFI=Median Family Income. 2. Home Improvement Loans In 2003, 945 households applied for conventional home improvement loans compared to only 688 households in 2008.5 As is often the case in many communities, the overall level of home improvement loan approvals was lower than that for home purchase loans. Similar to conventional home purchase loans, White and Hispanic residents submitted the largest share of applications in 2003 and 2008. In 2003, White and joint applicants were approved at higher rates than applicants of other races and loan applicants filed by Black applicants were denied disproportionately when compared to others. II 1521723.0%. Approved Denied Withdrawn or Loans Race/Ethnicity Closed Purchased # % # % # % # % Native American 2 33.3% 1 16.7% 3 50.0% 0 0.0% Asian 5 41.7% 5 41.7% 2 16.7% 0 0.0% Black 31 33.0% 49 52.1% 13 13.8% 1 1.1% Hispanic 113 41.4% 117 42.9% 40 14.7% 3 1.1% White 99 45.6% 87 40.1% 30 13.8% 1 0.5% Joint 19 2.0% 14 73.7% 3 15.8% 2 10.5% 0 0.0% Other 19 2.0% 8 42.1% 8 42.1% 3 15.8% 0 0.0% Not Available 305 32.3% 97 31.8% 121 39.7°k 72 23.6% 15 4.9% Total 945 100.0% 369 39.0% 391 41.4% 165 17.5% 20 21% Source:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of ident4ing the racial back rounds of joint applications. A much larger proportion of home improvement loan applications were denied in 2008 (59 percent) compared to 2003 (41 percent), yet another sign of the tighter financial 5 The total number of conventional home improvement loans reported by HMDA differs from the total number of loans by race also reported by HMDA and presented in Table 41. The reason for the difference is unknown. \r Chapter 3: Lending Practices 58 City of San Bernardino Analysis of Impediments to Fair Housing Choice markets in the later part of the decade. The higher overall denial rate in 2008 did not appear to have affected all applicants. White applicants enjoyed approximately the same rate of approval and denial in 2008 when compared to 2003. However, the proportion of Black, Asian, and Hispanic applicants denied in 2008 was substantially higher than the proportion denied in 2003. These troubling statistics indicate that recent changes in the home improvement loan financing market have disparately impacted minority residents of San Bernardino. 7anic r r r r M r r r. ' rr r r r ' rr Total Approved Denied Wi thdrawn or Loans Closed Purchased 241 508°k 48 199% 154 639%u s 5 1.1% 1 20.0% 2 40.0% 0 0.0% 2 40.0% Asian 18 3.8% 2 11.1% 13 72.2% 2 11.1% 1 5.6% Black 62 13.1% 6 9.7% 50 80.6% 6 9.7% 0 0.0% Pac Islander 2 0.4% 0 0.0% 2 100.0% 0 0.0% 0 0.0% White 136 28.7% 48 35.3% 56 41.2% 23 16.9% 9 6.6% 2 or More Minority 1 0.2% 0 0.0% 0 0.0% 1 100.0% 0 0.0% Joint 4 0.8% 0 0.0% 0 0.0% 1 100.0% 0 0.0% Not Available 5 1.1% 1 20.0% 1 20.0% 2 40.0% 1 20.0% Total 474 100.0°k 106 22.4°h 281 59.3°k 63 13.3% 24 5.1% [Note:ource:HMDA data,2008. Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of enti in the racial backgrounds of joint applications. C. Government-Backed Home Loans Government-backed financing represents a potential alternative source of financing for those with difficulty qualifying for a loan in the conventional market. With the income and home price restrictions for government-backed loans, few households in Southern California have been able to take advantage of such financing resources since the home prices escalated in recent years. San Bernardino however tends to have home prices that are within the limits allowed for government-backed financing and therefore has a higher proportion of government-backed loans than most other Southern California cities. 1. Home Purchase Loans City of San Bernardino residents filed nearly as many FHA (government-backed) loan applications (1,4281 as conventional loan applications (1,965) in 2008 (Table 42). Most jurisdictions only have a handful of FHA loan applications due to income and home price restrictions. However, households in the City of San Bernardino have a combination of home prices and households that meet the requirements to qualify for government-backed home financing. In 2003, when the home prices were high, the Chapter 3: Lending Practices 59 City of San Bernardino Analysis of Impediments to Fair Housing Choice number of FHA loan applications (2,096) was significantly fewer than the number of conventional loan applications (6,964). Approval rates for government-backed loans in 2003 and 2008 were not similar to those of conventional loans. In 2003, a smaller proportion of FHA loans (44 percent) were approved when compared to conventional loans (54 percent). This pattern reversed by 2008, when a larger proportion of FHA loans (47 percent) were approved when compared to conventional loans (42 percent). Government-backed loans are viewed by investors as less risky compared to conventional loans and therefore have lower denial rates with a higher proportion of loans purchased on the secondary market. Smaller disparities in approval rates were observed among different racial/ethnic groups, ranging from 43 to 56 percent. Table r. •d Loans- 2003 and 2008 Loan Type Total Approved Denied Withdrawn Loan Purchased or Closed H % % % % 2003 Conventional Home Purchase 6,964 54.1% 16.6% 87% 20.5% FHA Home Purchase 2,096 43.7% 7.2% 6.9% 1 42.2% 2008 Conventional Home Purchase 1,965 41.8% 23.3% 11.8% 23.2% FHA Home Purchase 1 1,428 1 46.6%J 11.3% 1 8.1% 1 34.1% Source:HMDA data,2003 and 2008. 2. Home Improvement Loans Few San Bernardino residents applied for government-backed home improvement loans in 2003 and 2008. In 2003, none of the four applications were approved compared to approval of only seven of the 14 applications in 2008. In general, households qualified for government-backed financing are lower income households. Few would be able to meet to loan-to-income ratio to carry additional financing for home improvements. D. Major Lenders Serving San Bernardino In 2008, the top ten mortgage lenders active in the City of San Bernardino received 52 percent of the conventional home mortgage loan applications. Among these lenders, Countrywide, Chase, and HFC received the most home purchase loan applications. These three top lenders received approximately 26 percent of all conventional home purchase loan applications, with Countrywide receiving nearly 13 percent. 1. Approval Rates by Lender An analysis of disposition of conventional home purchase loan applications by lending institution contained in Table 43 indicates that approval rates among the top lenders in San Bernardino varied significantly. In 2003, two of the top lenders had approval rates of more than 80 percent and the overall approval rate exceeded 50 percent. In 2008, only one bank had an approval rate over 50 percent and the overall approval rate was Chapter 3: Lending Practices 60 City of San Bernardino Analysis of Impediments to Fair Housing Choice less than 35 percent. In addition, approval rates for some lenders were much lower �- than the average for all lenders. For example, HFC Company and Citimortgage had approval rates of less than eight percent. Only 11 percent of applications to HFC Company were withdrawn or closed; the bank denied 87 percent of applications. The decreased approval rates are likely due to the changing housing market. Credit has become more difficult to secure so approval rates have decreased. Furthermore, banks have responded to the changing credit markets in different ways, likely contributing to the disparate approval and denial rates among institutions. Table Disposition of r r nal Home Mortgage o. Applications r r Institutions- 11 Total' Approved Denied Withdrawn Lender or Closed Market # % If % # % Share Countrywide Home 2,330 8.2% 869 37.3% 74 3.2% 211 9.1% Loans Washington Mutual Bank,FA 1,408 5.0% 625 44.4% 204 14.5% 59 4.2% Bank of America, N.A. 988 3.5% 608 61.5% 252 25.5% 44 4.5% WLFargo ome 953 3.4% 792 83.1% 94 9.9% 26 2.7% MG age 809 2.8% 344 42.5% 167 20.6% 185 22.9% Co Aortgage 781 2.7% 86 11.0% 360 46.1% 335 42.9% CoChttan 694 2.4% 297 42.8% 69 9.9% 41 5.9% Mr Citimorta e, Inc 650 2.3% 77 11.9% 15 2.3% 41 6.3% First Franklin 641 2.3% 519 81.0% 110 17.2% 12 1.9% Financial Cor New Century 634 2.2°k 453 71.5°k 50 7.9% 74 11.7% Mort a e Co Market share of Top 9,888 34.7% 4,670 47.2% 1,395 14.1% 1,028 10.4% Ten Lenders Total All Lenders 28,467 100.0% 14,305 50.3% 4,922 17.3% 3,775 13.3% Entire Market Source:HMDA data,2003. Note 1: Total Applications includes the following types of loans,which are not represented in the table or in the other tables of HMDA data:Purchased,Preapproval Denied,Preapproval Approved,not Accepted,and missinglinvalid data. Therefore,the total number of applications for each lender is greater than sum of three columns roved,Denied,and Withdrawn). Chapter 3: Lending Practices 61 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Disposition of r r nal Home Mortgage Loan Applications by r r I2008 nstitutions Total Applications' Approved Denied Withdrawn Lender or Closed # Market ft % # % N % Share Countrywide Home 1,056 12.6% 327 31.0% 229 21.7% 116 11.0% Loans JPMorgan Chase Bank, 635 7.6% 91 14.3% 80 12.6% 14 2.2% N.A. HFC Company LLC 528 6.3% 13 2.5% 1 459 86.9% 56 10.6% Bank of America, N.A. 470 5.6% 216 46.0% 162 34.5% 49 10.4% Citimort a e, Inc 373 4.4% 29 7.8% 36 9.7% 48 12.9% Wells Fargo Bank, N.A. 355 4.2% 174 49.0% 102 28.7% 77 21.7% GMAC Mortgage LLC 260 3.1% 30 11.5°h 66 25.4% 84 32.3% Wachovia Mortgage 240 2.9% 52 21.6% 93 38.8% 28 11.7% FSB Mountain West 236 2.8% 181 76.7% 24 10.2% 31 13.1% Financial, Inc Citicorp Trust Bank, 194 2.3% 74 38.1% 120 61.9% 0 0.0% FSB Market Share of Top 4,347 51.7% 1,187 27.3% 1,371 31.5% 503 11.6% Ten Lenders Total All Lenders 8,407 100.0% 2,984 34.5% 2,657 3t.6% 1,005 12.0% Entire Markel Source:HMDA data,2008. Note 1: Total Applications includes the following types of loans,which are not represented in the tattle or in the other tables of HMDA data:Purchased,Preapproval Denied,Preapproval Approved,not Accepted,and missinglinvalid data. Therefore,the total number of applications for each lender is greater than sum of three columns A roved,Denied,and Withdrawn). 2. CRA Rating Depending on the type of institution and total assets, a lender may be examined by different supervising agencies for its CRA performance. A search of the databases for the Federal Reserve Board (FRB), Federal Financial Institutions Examination Council (FFIEC), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC) and the Office of Thrift Supervision (OTS) revealed ratings for the top ten lenders (Table 45). Among the top ten lenders in San Bernardino, seven received an "outstanding" rating. Mountain West Financial, Inc. was considered "satisfactory" while Countrywide was rated "needs to improve" and HFC Company was not rated. Since its rating in 1992, Countrywide has been acquired by Bank of America which had an "outstanding" rating as of 2001. Chapter 3: Lending Practices 62 City of San Bernardino Analysis of Impediments to Fair Housing Choice r • r 1 .,s Lender Name Rating Rating Institution Year Countrywide Home Loans Needs to Improve FDIC 1992 JPMorgan Chase Bank, N.A. Outstanding OCC 2007 HFC Company LLC N/A N/A 2009 Bank of America, N.A. Outstanding OCC 2001 Citimort a e, Inc Outstanding OTS 2004 Wells Fargo Bank, N.A. Outstanding OCC 1998 GMAC Mort a e LLC Outstanding FDIC 2005 Wachovia Mortgage FSB Outstanding OTS 2005 Mountain West Financial, Inc Satisfactory OCC 2008 Citicorp Trust Bank, FSB Outstanding OTS 2007 Source:FFIEC Interagency CR4 Rating Search, htt :ltw .fiec. ov/crarattn s/default.as x,Accessed Februa 5,2009. E. Lending by Census Tract and Tract Characteristics To identify potential geographic differences in mortgage lending activities, an analysis of the HIMDA data was conducted by Census tract for 2003 and 2008. HMDA also provides the percent minority population within each census tract. Based on the Census, HMDA defines the following income levels: • Low Income Tract — Tract Median Income< = 50 percent County MFI • Moderate Income Tract — Tract Median Income between 51 and 80 percent County MFI • Middle Income Tract — Tract Median Income between 81 and 120 percent County MFI • Upper Income Tract — Tract Median Income>120 percent County MFI In 2008, over 27 percent of the Census tracts in San Bernardino (eight tracts) were categorized as Low Income by HMDA. A plurality of the loan applications, however, was for homes in middle income tracts, which account for six of the 29 tracts in the City. Table 46 below summarizes the home loan approval and denial rates of the City's census tracts by income level for 2003 and 2008. A detailed listing of approval and denial rates for each individual census tract in the City of San Bernardino can be found in the Appendix. In 2003 and 2008, home loan approval rates generally increased as the income level of the census tract increased. Chapter 3: Lending Practices 63 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Approv I and Denial Rates by Tract Description Number of Tracts' Total Applications %A roved %Denied 2003 2008 2003 2008 2003 2008 2003 2008 Low Income 8 8 4,018 1,204 48.2% 29.0% 20.0% 39.5% Moderate Income 11 12 8,557 2,803 48.2% 32.9% 20.5% 34.1% Middle Income 7 6 12,029 3,197 51.5% 37.3% 15.8% 28.6% Upper Income 3 3 3,798 1,203 54.1% 43.4% 12.2% 26.1% Not Applicable 1 0 5 60.0% - 40.0% Total 30 29 28,467 8,407 50.3% 35.5% 17.3% 31.6% Source:HMDA data,2003 and 2008. Note 1:HMDA does not provide data based on jurisdictional boundaries. The tract analysis presented in this table includes tracts that generally approximately the City boundaries. One census tract at the border of the city with the majority of its population out the City was dropped off from the 2008 analysis. Much of the City is made up of census tracts where residents are 50 percent to 80 percent minorities (14 of 29 tracts). Table 47 below summarizes the home loan approval and denial rates of the City's census tracts by percent of minority population. A detailed listing of approval and denial rates of each individual census tract in the City of San Bernardino can be found in the Appendix. In general, the tracts with a larger percentage of minority population had lower approval rates than tracts with majority White population in 2003 and 2008. Although subtler in 2003, the disparity by census tract was starker in 2008. In 2003, approval rates ranged from 47 percent in tracts with more 80 percent minority population to 54 percent in majority White tracts. By 2008, the approval rate for the more 80 percent minority tracts was 29 percent compared to 42 percent for majority White tracts. Table Approval r Denial Rates by Tract Description Number of Tracts' Total App lications %Approved I %Denied 2003 F 2008 2003 2008 2003 1 2008 2003 2008 <10%Minority 0 0 - - 10-20%Minority 0 0 - - 20-50%Minority 4 4 5,679 1,732 54.1% 42.1% 12.4% 26.8% 50-80%Minority 15 14 16,231 4,602 50.3% 35.7% 17.4% 29.9% >80%Minority 11 11 6,497 2,073 47.2% 29.4% 21.5% 39.4% Total 30 29 28,467 8,407 50.3% 35.5% 17.3% 31.6% Source:HMDA data,2003 and 2008. Note 1:HMDA does not provide data based on jurisdictional boundaries. The tract analysis presented in this table includes tracts that generally approximately the City boundaries. One census tract at the border of the city with the majority of its population out the City was dropped off from the 2008 analysis. F. Sub-Prime Lending According to the Federal Reserve, "prime" mortgages are offered to persons with excellent credit and employment history and income edequate to support the loan amount. "Sub-prime" loans are loans to borrowers who have less-than-perfect credit history, poor employment history, or other factors such as limited income. By providing loans to those who do not meet the critical standards for borrowers in the prime market, sub-prime lending can and does serve a critical role in increasing levels of homeownership. Households that are interested in buying a home but have blemishes Chapter 3: Lending Practices 64 City of San Bernardino Analysis of Impediments to Fair Housing Choice .w in their credit record, insufficient credit history, or non-traditional credit sources, may be otherwise unable to purchase a home. The sub-prime loan market offers these borrowers opportunities to obtain loans that they would be unable to realize in the prime loan market. Sub-prime lenders generally offer interest rates that are higher than those in the prime market and often lack the regulatory oversight required for prime lenders because they are not owned by regulated financial institutions. In the recent past, however, many large and well-known banks became involved in the sub-prime market either through acquisitions of other firms or by initiating sub-prime loans that directly. Though the subprime market usually follows the same guiding principles as the prime market, a number of specific risk factors are associated with this market. According to a joint HUD/Department of the Treasury report, subprime lending generally has the following characteristics:a • Higher risk: Lenders experience higher loan defaults and losses by subprime borrowers than by prime borrowers. • Lower loan amounts: On average, loans in the subprime mortgage market are smaller than loans in the prime market. • Higher costs to originate: Subprime loans may be more costly to originate than prime loans since they often require additional review of credit history, a higher rate of rejected or withdrawn applications and fixed costs such as appraisals, that represent a higher percentage of a smaller loan. J • Faster Prepayments: Subprime mortgages tend to be prepaid at a much faster rate than prime mortgages. • Higher Fees: Subprime loans tend to have significantly higher fees due to the factors listed above. While sub-prime lending cannot in and of itself be described as "predatory," studies have shown a high incidence of predatory lending in the sub-prime market. Unlike in the prime lending market, overly high approval rates in the sub-prime market is a potential cause for concern when the target clients are considered high risk. High approval rates may indicate aggressive lending practices. Wells Fargo and Citicorp, two of the top ten lenders in the City were identified as sub-prime lenders by HUD in 2006. Together, they accounted for nearly nine percent of the market share of conventional loan applications and account for 57 percent of the approved loans in San Bernardino in 2008. Individually, Wells Fargo had a 49 percent approval rate and Citicorp had an eight percent approval rate. Large banks are not immune to the subprime market, but are often not identified as subprime lenders exclusively. The ° U.S. Department of Housing and Urban Development. Unequal Burden In Las Angeles: Income and Racial Disparities in Subprime Lending. April 2000. 7 Stolen Weatlh, Inequities in California's Subprime Mortgage Market. California Reinvestment Committee. November 2001. Chapter 3: Lending Practices 65 City of San Bernardino Analysis of Impediments to Fair Housing Choice HMDA data does not provide information on which loans were sub-prime. As such, more detailed analysis on this topic is difficult. Beginning in 2006, increases in interest rates resulted in an increasing number of foreclosures for households with sub-prime loans when a significant number of sub- prime loans with variable rates began to convert to fixed-rate loans at much higher interest rates. G. Purchased Loans Secondary marketing is the term used for pricing, buying, selling, securitizing and trading residential mortgages. The secondary market is an informal process of different financial institutions buying and selling home mortgages. The secondary market exists to provide a venue for lending institutions to raise the capital required to make additional loans. 1. History In the 1960s, as interest rates became unstable, housing starts declined and the nation faced capital shortages as many regions, including California, had more demand for mortgage credit than the lenders could fund. The need for new sources of capital promoted Congress to reorganize the Federal National Mortgage Association (FNMA) into two entities: a private corporation (today's FNMA) and a government agency, the Government National Mortgage Association (GNMA). In 1970, Congress charted the Federal Home Loan Mortgage Corporation (FHLMC) to purchase conventional loans. Both FHLMC and FNMA have the same goals: to increase the liquidity of the mortgage market and make homeownership more widely available to the average citizen. The two organizations work to standardize the documentation, underwriting and financing of home loans nationwide. They purchased loans from originators, hold them and issue their own debt to replenish the cash. They are, essentially, very large, massive savings and loan organizations. These two organizations set the standards for the purchase of home loans by private lenders in the U.S. 2. Fair Housing Concerns During the peak of the housing market (2000-2006), the practice of selling mortgage loans by the originators (lenders that initially provided the loans to the borrowers) to other lenders and investors was prevalent. Predatory lending was rampant, with lenders utilizing liberal underwriting criteria or falsified documents to push loan sales to people who could not afford the loans. The originating lenders were able to minimize their financial risk by immediately selling the loans to other lenders or to investors in the global market. Table 48 shows the various loan types purchased in San Bernardino, as well as the race/ethnicity of applicants. According to HMDA data, a total of 1,144 loans were purchased in 2008. Because residents applied for fewer government-backed (FHA) Chapter 3: Lending Practices 66 City of San Bernardino Analysis of Impediments to Fair Housing Choice loans, fewer government backed loans were purchased. However, a higher proportion of government-backed loans were purchased when compared to conventional loans. Among conventional loans, the highest portion of loans purchased were issued to Asian and White applicants, while among the highest proportion of government-backed loans purchased on the secondary market were originally issued to Hispanic applicants. Type of Loan Loans Percent of Loans Purchased' Purchased Asian Black Hispanic White Conventional Purchase 455 25.3% 13.8% 12.2% 14.6°k Conventional Improvement 24 5.6% 0.0% 4.6% 6.6% Conventional Refinance 246 19.1% 5.6% 8.5% 8.8% FHA Purchase 368 25.7% 25.8% 32.7% 30.2% FHA Improvement 4 0.0% 0.0% 42.9% 50.0% FHA Refinance 47 0.0% 11.1% 13.6% 19.1% '=Percentages may not equal 100 percent since total loans purchased also includes other race categories not displayed in table. Source:Home Mo a e Disclosure Act HMDA Data,2008. H. Predatory Lending With an active housing market, potential predatory lending practices by financial institutions may arise. Predatory lending involves abusive loan practices usually targeting minority homeowners or those with less-than-perfect credit histories. The predatory practices typically include higher fees, hidden costs, and unnecessary insurance and larger repayments due in later years. One of the most common predatory lending practices is placing borrowers into higher interest rate loans than called for by their credit status. Although the borrowers may be eligible for a loan in the "prime" market, they are directed into more expensive and higher fee loans in the "sub-prime" market. In the other cases, fraudulent appraisal data is used to mislead homebuyers into purchasing over-valued homes, or misrepresented financial data is used to encourage homebuyers into assuming a larger loan than can be afforded. Both cases almost inevitably result in foreclosure. In recent years, predatory lending has also penetrated the home improvement financing market. Seniors and minority homeowners are the usual targets. In general, home improvement financing is more difficult to obtain than home purchase financing. Many homeowners have a debt-to-income ratio that is too high to qualify for home improvement loans in the prime market and become targets of predatory lending in the sub-prime market. Seniors are often swindled into installing unnecessary devices or making unnecessary improvements that are bundled with unreasonable financing terms. Predatory lending is a growing fair housing issue. Predatory lenders who discriminate get some scrutiny under the Fair Housing Act of 1968, which requires equal treatment in terms and conditions of housing opportunities and credit regardless of race, religion, color, national origin, family status, or disability. This applies to loan originators as well as the secondary market. The Equal Credit Opportunity Act of 1972 requires equal treatment in loan terms and availability of credit for all of the above categories, as well Chapter 3: Lending Practices 67 City of San Bernardino Analysis of Impediments to Fair Housing Choice as age, sex and marital status. Lenders that engage in predatory lending would violate these Acts if they: target minority or elderly households to buy higher prices and unequal loan products; treat loans for protected classes differently than those of comparably credit-worthy White applicants; or have policies or practices that have a disproportionate effect on the protected classes. Data available to investigate the presence of predatory lending are extremely limited. At present, HMDA data are the most comprehensive data available for evaluating lending practices. However, as discussed before, HMDA data lack the financial details of the loan terms to conclude that any kind of predatory lending has actually occurred. Efforts at the national level are pushing for increased reporting requirements in order to identify and curb predatory lending. The State of California has enacted additional measures designed to stem the tide of predatory lending practices. A law (Senate Bill 537) signed by Governor Gray Davis provided a new funding mechanism for local district attorneys' offices to establish special units to investigate and prosecute real estate fraud cases. The law enabled county governments to establish real estate fraud .protection units. Furthermore, Governor Davis signed AB 489 in October 2001, a predatory lending reform bill. The law prevents a lender from basing the loan strictly on the borrower's home equity as opposed to the ability to repay the loan. The law also outlaws some balloon payments and prevents refinancing unless it results in an identifiable benefit to the borrower. Predatory lending and unsound investment practices, central to the current home foreclosure crisis, are resulting in a credit crunch that has spread well beyond the housing market, now impacting the cost of credit for local government borrowing and local property tax revenues. In response, the U.S. House passed legislation, HR3915, which would prohibit certain predatory lending practices and make it easier for consumers to renegotiate predatory mortgage loans. The Senate introduced similar legislation in late 2007 (S2454). The Mortgage Reform and Anti-Predatory Lending Act (HR1728) was passed in the House in May 2009 and amend the Truth in Lending Act to specify duty of care standards for originators of residential mortgages. The law also prescribed minimum standards for residential mortgage loans, directs the Secretary of Housing and Urban Development (HUD) to establish a grants program to provide legal assistance to low and moderate income homeowners and tenants and prohibits specified practices, including: • Certain prepayment penalties; • Single premium credit insurance; • Mandatory arbitration (except reverse mortgages); • Mortgage loan provisions that waive a statutory cause of action by the consumer; and • Mortgages with negative amortization. In addition to anti-predatory lending laws, the Mortgage Forgiveness Debt Relief Act was enacted in 2007 and allows for the exclusion of income realized as a result of modification of the terms of a mortgage or foreclosure on a taxpayer's principal residence. Chapter 3: Lending Practices 68 City of San Bernardino Analysis of Impediments to Fair Housing Choice I. Refinancing ' Aggressive lending practices have resulted in many "innovative" loan terms that allow many households to purchase a home during the peak of the housing market. Loans with zero downpayments, negative amortizations, short-term low fixed and variable rates, among other financing techniques have misled many regarding the affordability of home ownership. Many home buyers were under the false assumption that their homes would continue to increase in value and refinancing to more favorable loan terms would always be available as an option. However, when the inflated market imploded in 2007, many households began to face increased monthly payments on homes with decreased values. The credit market collapsed and refinancing to lower interest rates became increasingly stringent. As shown in Table 49 and Table 50, the number of refinance applications dramatically decreased from 2003 to 2008. This decline mirrors the decline in marketing efforts geared toward home refinance loans. The decline in marketing efforts occurred as credit markets began to tighten, restricting the ability of lenders to refinance homes. Total Approved Denied Withdrawn or Loans Race/Ethnicity I I I Closed Purchased # I % # % # % # % # % His anic 4,359 1 27.5% 2,427 55.7% 896 20.6% 616 14.1% 420 9.6% Not-Hispanic Groups Native American 73 0.5% 39 53.4% 18 24.7% 9 12.3% 7 9.6% Asian 483 3.0% 270 55.9% 103 21.3% 68 14.1% 42 8.7% Black 1,048 6.6% 512 48.9% 271 25.9% 173 16.5% 92 8.8% White 4,430 28.0% 2,576 58.1% 654 14.6% 646 14.6% 554 12.5% Joint 442 2.8% 274 62.0% 64 14.5% 61 13.8% 43 9.7% Other 492 3.1% 174 35.4% 192 39.0% 106 21.5% 20 4.1% Not Available 4,516 28.5% 1,675 37.1% 841 18.6% 838 18.6% 1,162 25.7% Total 15,843 100.0% 7,947 50.2% 3,039 19.2% 2,517 15.9% 2,340 14.8% source:HMDA data,2003. Note:Applicants who fled joint applications can be of different racial backgrounds;however,HMDA data does not provide means of iden*ing the racial backgrounds of joint applications. In 2003, 15,843 San Bernardino households applied for conventional refinance loans (Table 49)• Approximately one half (50 percent) were approved and 19 percent were denied. Of all racial and ethnic groups, the category "joint" had the highest approval rate for refinance loans 162 percent) while Whites had the second highest (58 percent). As shown in Table 50, 2,891 households in San Bernardino applied for refinance loans in 2008. Overall, mortgage refinancing had low approval rates, with just 34 percent of all refinance loans approved in the City. Asians had the lowest percentage of loan applications (26 percent) approved, while Whites had the highest approval rate (39 e In negative amortization, a borrower pays monthly mortgage payments that are lower than the required interest payments and include no principle payments. The shortage in monthly payments is added to the principle loan. Therefore, the longer the borrower holds that loan, the more they owe the lender despite making monthly payments. Chapter 3: Lending Practices 69 City of San Bernardino Analysis of Impediments to Fair Housing Choice percent). This raises the concerns that minority groups are not, comparatively, having equal access to refinancing. 1111FUMMMM1105191, r i r r r . Mili MCI r ' rr r 11: Total Approved Denied Withdrawn or Loans RacelEthnicity Closed Purchased Hispanic 1,466 1 50.7% 484 1 33.0% 658 144.9% 1 200 1 13.6% 1 124 1 8.5% Not-Hispanic Groups Native American 11 0.4% 1365 36.4% 6 54.5% 1 9.1% 0 0.0% Asian 89 3.1% 25.8% 29 32.6% 20 22.5% 17 19.1% Black 285 9.9% 27.4% 149 52.3% 42 14.7% 16 5.6% Pac. Island 18 0.6% 33.3% 8 44.4% 4 22.2% 0 0.0% White 937 32.4% 39.0% 371 39.6% 119 12.7% 82 8.8% 2 or More Minoril 2 0.1% 0.0% 1 50.0% 1 50.0% 0 0.0% Joint 27 0.9% 29.6% 15 55.6% 3 11.1% 1 3.7% Not Available 56 1.9% 17 301% 23 41.1% 10 17.9% 6 10.7% Total 2,891 100.0% 985 34.1% 1,260 43.6% 400 13.8% 246 Source:HMDA data,2008. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications. In 2008, 423 households applied for government-backed home refinancing loans in San Bernardino. Approximately 25 percent of these applicants were approved, while 36 percent were denied. In 2003, more than 2,000 households applied for FHA refinance loans. Of these applications, 48 percent were approved and just seven percent were denied. The change in home refinance approval/denial patterns is yet another indication of the restrictive lending market. J. Foreclosures Foreclosure occurs when households fall behind on one or more scheduled mortgage payments. The foreclosure process can be halted if the homeowner is able to bring their mortgage payments current. If payments cannot be resumed or the debt cannot be resolved, the lender can legally use the foreclosure process to repossess (take over) the home. When this happens, the homeowners must move out of the property. If the home is worth less than the total amount owed on the mortgage loan, a deficiency judgment could be pursued. If that happens, the homeowner would lose their home and also would owe the home lender an additional amount. California has been hit particularly hard by the recent credit crisis, resulting in the foreclosure of many homes. Between 2009 and 2010, of the 8.5 million houses and condos in the State, 328,310 homes were foreclosed on making up 3.9 percent of California's housing stock.' In the fourth quarter of 2009, 7,290 homes and condos received Notices of Default (the first step in the foreclosure process). ' http://www.dgnews.com/Articles/2010/News/California/CA-Foreclosures/RRForl00127.aspx a Chapter 3: Lending Practices 70 r City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 51 presents current foreclosure data for San Bernardino. An estimated seven �l percent of the City's housing stock is in some stage of the foreclosure process. The W rate of foreclosures occurring in San Bernardino is slightly higher than in the County and the State. Table o reclosure - February 2010 Stage of Foreclosure Number of Units Percent of Housing Stock Pre-Foreclosure Sales 1,135 1.7% Bank-Owned 2,065 3.1% Auction 1,564 2.3% Total 4,764 7.1% Notes: 1. Pre-foreclosures are those properties that are in default in the mortgage payments and notices of default have been filed. The owner can still con act the situation by paying off the defaulted amounts or by selling the property. 2. Bank- med properties are those properties that go back to the mortgage companies after unsuccessful auctions. Source:www.realtytrac.com,Accessed February 16,2010;Department of Finance,2009. 9 x Chapter 3: Lending Practices 71 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 4 Public Policies Public policies established at the state, regional and local levels can affect housing development and therefore, may have an impact on the range of housing choices available to residents. This chapter discusses the various public policies that may influence fair housing choice in the City of San Bernardino. A. Policies and Programs Affecting Housing Development The San Bernardino General Plan Land Use and Housing Elements, Zoning Code, Consolidated Plan and other documents have been reviewed to evaluate the following potential impediments to fair housing choice and affordable housing development: • Local zoning, building, occupancy and health and safety codes • Public policies and building approvals that add to the cost of housing development • Moratoriums or growth management plans • Residential development fees • Administrative policies affecting housing activities or community development resources for areas of minority concentration, or policies that inhibit employment of minorities or individuals with disabilities • Community representation on planning and zoning boards and commissions 1. Land Use Element Higher-density housing reduces land costs on a per-unit basis and thus facilitates the development of affordable housing. Restrictive zoning that requires unusually large lots and building size can substantially increase housing costs and impede housing production. While housing affordability alone is not a fair housing issue, many lower and moderate income households are disproportionately concentrated in groups protected under the fair housing laws, such as persons with disabilities and minorities. When the availability of affordable housing is limited, indirectly affecting the housing choices available to groups protected by fair housing laws, fair housing concerns may arise. The Land Use Element of the San Bernardino General Plan sets forth the City's policies for guiding local development. It establishes the distributions and intensity of land allocated for different uses. The General Plan Land Use Element provides nine residential land use designations in the community. Development density ranges from one unit per acre in single-family designations to 36 dwelling units per acre in high density multi-family designations. `rr Chapter 4: Public Policies 73 City of San Bernardino Analysis of Impediments to Fair Housing Choice Residential Densities Reasonable density standards ensure the opportunity for higher-density residential uses to be developed within a community, increasing the feasibility of land zoned for multi- family use, the supply of which is often limited, will be developed as efficiently as possible for multi-family uses. Table 52 summarizes the nine General Plan residential land uses designations, the corresponding zoning districts, permitted densities and primary or typical residential types permitted in each district. Residential development standards for each zoning district are described later in this section. The City of San Bernardino provides a range of densities for single-family (0-9 du/ac) and multi-family (8-36 du/ac) housing development to accommodate a range of housing options. Table r• r Use Designations and Zoning Districts General Plan Land Zoning Use Designation District(s) Primary Residential Type(s) Du/Ac Residential Estate RE Single-family detached in an estate setting 1 Residential Low RL Single-family detached in low-density setting 3.1 Residential Low-3.5 RL Single-family detached in suburban setting 3.5 Residential Suburban RS Single-family detached in high quality suburban setting 4.5 Single/multi-family attached and detached residences RU (townhouses,stacked flats,courtyard homes,small lot Residential Urban subdivisions and mobile home arks) 9 Multi-family dwellings(townhouses,stacked flats,courtyard RU homes,apartments,condominiums and small lot single-family Residential Medium developments) 14 Residential Medium High-20 RM Multi-family dwellings including apartments and condominiums 20 Residential Medium Hi h RMH Multi-family dwellings including apartments and condominiums 24 Residential Hi h RMH Multi-family dwellings including apartments and condominiums 36 Residential Student Overlay distdct designed for student housing complexes within Housing 500 feet of Califomia State University San Bernardino 20 Sources: 1. City of San Bernardino,Land Use Element,2005 2. City of San Bernardino Dwelopment Code,accessed 2009. The California Housing Element law establishes a threshold density considered to be appropriate in facilitating the development of housing for households with incomes at or below 80 percent of the MFI.10 As the City's General Plan Land Use Element and Development Code provide for developments of up to 36 units per acre, the City is deemed in compliance with State Housing Element law with regard to land use policies. However, the development of affordable housing requires additional incentives such as density bonuses, flexible development standards, and financial incentives. 10 Under HUD regulations, these are considered low and moderate income households. Under State definitions, these are considered lower income households. Chapter 4: Public Policies 74 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Development Code The Development Code implements the General Plan by establishing zoning districts that correspond with General Plan land use designations. Development standards and permitted uses in each zoning district are specified to govern the density, type and design of different land uses for the protection of public, health, safety and welfare (Government Code, Sections 65800-65863). Several aspects of the Development Code that may affect a person's access to housing or limit the range of housing choices available are described below. 3. Density Bonuses A density bonus can be an important tool to encourage a diversity of housing types and prices particularly affordable housing for families and seniors. The California Government Code Section 65915 requires that cities grant density bonuses of 20 to 35 percent depending on the amount and type of affordable housing provided. The density bonus regulations allow for exceptions to applicable zoning and other development standards to further encourage development of affordable housing. Developers may seek a waiver or modification is necessary to make the housing units economically feasible. The State density bonus regulations also include incentives and concessions. A developer can receive an incentive or concession based on the proportion of affordable units for target groups. Incentives or concessions may include, but are not limited to, a reduction in setback and square footage requirements or a reduction in the ratio of vehicular parking spaces that would otherwise be required, which results in identifiable, financially sufficient and actual cost reductions. Specifically, California Government Code Section 65915 provides that a local government shall grant a density bonus of at least 20 percent (five percent for condominiums) and an additional incentive, or financially equivalent incentive(s), to a developer of a housing development agreeing to provide at least: • Ten percent of the units for lower-income households; • Five percent of the units for very low income households; • Ten percent of the condominium units for moderate income households; • A senior citizen housing development; or • Qualified donations of land, condominium conversions and child care facilities. The density bonus law also applies to senior housing projects and projects which include a child care facility. In addition to the density bonus stated above, the statue includes a sliding scale that requires: • An additional 2.5 percent density bonus for each additional increase of one percent very low income units above the initial five percent threshold; Chapter 4: Public Policies 75 City of San Bernardino Analysis of Impediments to Fair Housing Choice • A density increase of 1.5 percent for each additional one percent increase in low income units above the initial ten percent threshold; and • A one percent density increase for each one percent increase in moderate income units above the initial ten percent threshold. These bonuses reach a maximum density bonus of 35 percent when a project provides either 11 percent very low income units, 20 percent low income units, or 40 percent moderate income units. In addition to a density bonus, developers may also be eligible for one of the following concessions or incentives: • Reductions in site development standards and modifications of zoning and architectural design requirements, including reduced setbacks and parking standards; • Mixed used zoning that will reduce the cost of the housing, if the non-residential uses are compatible with the housing development and other development in the area; and • Other regulatory incentives or concessions that result in "identifiable, financially sufficient and actual cost reductions." Jurisdictions also may not enforce any development standards that would preclude the construction of a project with the density bonus and the incentives or concessions to which the developer is entitled. To ensure compliance with the State density bonus law, jurisdictions must reevaluate their development standards in relation to the maximum achievable densities for multi-family housing. To encourage the development and conservation of affordable housing, the City of San Bernardino Housing Element includes a program to amend the development code to reflect the latest amendments to State density bonus law by June 2010. 4. Parking Requirements Communities that require an especially high number of parking spaces per dwelling unit can negatively impact the feasibility of producing affordable housing by reducing the achievable number of dwelling units per acre, increasing development costs and this restricts the range of housing types constructed in a community. When parking requirements are high, housing development costs tend to increase, restricting the range of housing types available in a community. Typically, the concern for high parking requirements relates only to multi-family housing. Parking requirements for residential districts in San Bernardino vary by the number of bedrooms in a housing unit, location of the development, type of permitted use and other criteria associated with the demand for parking generated by the particular development (Table 53). Chapter 4: Public Policies 76 City of San Bernardino Analysis of Impediments to Fair Housing Choice r • r Requirements Residential Use I Required Number of Parking Spaces Mobile home parks 2 garage spaces per unit,tandem is permitted 1 uncovered guest space per unit Residential Day Care 2 spaces in addition to those required for pdmary residence Senior Congregate Care 0.75 covered space per unit Single-family Dwelling 2 garage spaces per unit Planned Residential Redevelopment 2 garage spaces per unit Single-family dwellings and condominiums 1 uncovered guest space per 5 units Multi-Family Residential Studio and 1 bedroom 1.5 covered space per units 1 uncovered guest space per 5 units Two bedrooms 2 covered spaces per unit 1 uncovered quest space per 5 units Three or more bedrooms 2.5 covered spaces per unit 1 uncovered guest space per 5 units 1 covered space per unit Senior Citizen Apartments 1 uncovered guest space per 5 units Source:C of San Bernardino,Development Code,accessed 2009. The City offers incentives to ensure that parking standards do no constrain housing. Parking reductions of up to 25 percent are provided in the University Business Park Specific Plan if spaces meet Development Code standards and expansion area is provided up standard. Parking required within the Paseo Las Placitas Specific Plan area, may be provided on-site or off-site within an established parking district lot or structure. A reduction of up to 20 percent is available if parking is provided within an established off-site parking district. Parking for senior citizen apartments, affordable housing and congregate care can be adjusted on an individual project basis. Reduced parking standards are also available for density bonus projects. Jurisdictions will also sometimes establish minimum standards and requirements for handicapped parking. Handicapped parking requirements established in the City of San Bernardino Development Code are identical to those provided by the State of California (outlined in Title 24 of the Building Code). 5. Definition of Family A city's zoning ordinance can restrict access to housing for relations failing to qualify as a "family" by the definition specified in the document. Even if the ordinance provides a broad definition, deciding what constitutes a "family" should be avoided by cities to prevent confusion or give the impression of restrictiveness. Particularly, when the zoning ordinance uses terms such as "single-family homes", defining "family" in too-detailed terms may restrict access to housing for certain segments of the population. Chapter 4: Public Policies 77 City of San Bernardino Analysis of Impediments to Fair Housing Choice California courts" have ruled that an ordinance that defines a "family" as (a) an individual, (b) two or more persons related by blood, marriage or adoption, or (c) a group of not more than a certain number of unrelated persons as a single housekeeping unit, is invalid. Court rulings stated that defining a family does not serve any legitimate or useful objective or purpose recognized under the zoning and land planning powers of a jurisdiction, and therefore violates rights of privacy under the California Constitution. A zoning ordinance also cannot regulate residency by discrimination between biologically related and unrelated persons. The San Bernardino Development Code, the City's zoning ordinance, defines "family" as "an individual, or two or more persons related by blood, marriage or legal adoption, or a group of not more than six persons who are not so related living together as a single housekeeping unit". San Bernardino's definition of "family" is similar to those deemed invalid by the California courts. It defines a family relationship through biological and legal ties and limits the number of people. The City provides definitions for residential care facilities, rest homes and other types of community care and disability housing. However, the City will review this definition and amend it as appropriate and necessary to ensure clarity and remove any potential constraints to housing. B. Variety of Housing Opportunities To ensure fair housing choice in a community, a zoning ordinance or development code should provide for a range of housing types, including single-family, multi-family, second dwelling units, mobile homes, licensed community care facilities, assisted living facilities, emergency shelters, transitional housing and single room occupancy (SRO) units. Table 54 provides a summary of San Bernardino's Development Code as it relates to ensuring a variety of housing opportunities. Table 54: Housing Types by Residential Housing Types RE, Rl, RU RMH,& RSH CO.1, CG-2 CG 4 CR-2 &RS RH CO-2 Single-Family D D D X X X X X Multi-Family X D1 D X X D X D Condominium or D D D X — — — — Townhouse Manufactured Housing D D D X — — — Mobile Home Park D D D X — — Second Dwelling Unit D D D X — — Senior Citizen/Congregate X D D X C C C Care Housing Community Care Facility(6 P P P X — — — or less Homeless Facilities X X C X — — i 11 City of Santa Barbara v. Adamason (1980), City of Chula Vista v. Pagard (1981), among others. 3 Chapter 4: Public Policies �•y1'' 78 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Housing Types r y Residential Zones Housing Types RE, RL' RU RMH,& RSH CO-1, CG-2 CG-4 CR-2 & RS RH CO-2 Affordable Housing C C C X — — Student Housing — C — — Residential Care 7 or more — — C C — C Emergency Shelters — X X X C Transitional/Supportive Housing -- -- -- -- — — -- -- Single Room Occu anc X C I X C Mixed Use Note. 1. Multifamily units that legally existed in the RU zones prior to June 3, 1991 may remain as a permitted use without a Development Penn. "P'=Permitted 'D'=Development Permit V=Conditional Use Permit 'X'=Prohibtted =not provided for —=potential impediment. Source:City of San Bernardino,Development Code 2009. 1. Single- and Multiple- Family Uses Single- and multiple-family housing types include detached and attached single-family homes, duplexes or half-plexes, town homes, condominiums and rental apartments. Development codes should specify the zones in which each of these uses would be permitted by right. San Bernardino does not permit single- or multi-family uses by right in any residential zone. Single-family development requires a development permit in any residential zone. Multiple'family housing is not permitted in single-family zones and also requires a development permit in higher density zones. Use permit requirements for multiple-family uses within land use designations and zoning districts suitable for higher density residential land uses may extend the time frame for project review and increase the uncertainty of project approval and therefore could indirectly impede fair housing choice. Development codes should also avoid "pyramid or cumulative zoning" (e.g. permitting lower-density single-family uses in zones intended for higher density multiple-family uses). Pyramid or cumulative zoning schemes could limit the amount of lower-cost multiple- family residential uses in a community and be a potential impediment to fair housing choice. San Bernardino has a form of pyramid zoning by permitting single-family residential uses in multiple-family zones and by not establishing a minimum density for any residential zone. Allowing or requiring a lower density use in a zone that can accommodate higher density uses is regulated by State law. A local government is required to make a finding that an action that results in a density reduction, rezoning or downsizing is consistent with its Housing Element. Chapter 4: Public Policies 79 City of San Bernardino Analysis of Impediments to Fair Housing Choice AA 2. Second Dwelling Units 10 Second dwelling units or "Granny" housing units are attached or detached dwelling units that provide complete independent living facilities for one or more persons, including permanent provisions for living, sleeping, cooking and sanitation. Second units may be an alternative source of affordable housing for lower-income households and seniors. These units typically rent for less than apartments of comparable size. California law requires local jurisdictions to adopt ordinances that establish the conditions under which second units are permitted. Second units cannot be prohibited in residential zones unless a local jurisdiction establishes that such action may limit housing opportunities in the region and finds that second units would adversely affect the public health, safety and welfare in residential zones. The State's second unit law was amended in September 2000 to require use of ministerial, rather than discretionary, process for reviewing and approving second units. A ministerial process is intended to reduce permit processing time frames and development costs because proposed second units that are in compliance with local zoning standards can be approved without a public hearing. San Bernardino requires a development permit for a second dwelling unit in any residential zone. A development permit requires a hearing and therefore is not a ministerial process. Because second dwelling units can be an important source of suitable and affordable types of housing for seniors and persons with disabilities, overly restrictive or conflicting provisions for these units can be considered an impediment to fair housing choice. 3. Mobile Home Parks Mobile home parks are permitted in all residential development zones with approval of a development permit. 4. Manufactured Housing State law requires local government to permit manufactures or mobile homes meeting federal safety and construction standards on a permanent foundation in all single-family residential zoning districts (Section 65852.3 of the California Government Code). A local jurisdiction's zoning ordinance or development code should be compliant with this law. Currently, the City of San Bernardino requires a development permit for a manufactured housing unit in all residential zones, similar to the requirement for single- family homes. 5. Community Care Facilities Persons with special needs such as the elderly and those with disabilities must also have access to housing in a community. Community care facilities provide a supportive Chapter 4: Public Policies 80 I I City of San Bernardino Analysis of Impediments to Fair Housing Choice housing environment to persons with special needs in a group situation. Restrictions that prevent these types of facilities from locating in a community impede equal access to housing for the special needs groups. The Lanterman Development Disabilities Services Act (Section 5115 and 5116 of the California Welfare and Institutions Code) declares that mentally and physically disabled persons are entitled to live in normal residential surroundings. The use of property for the care of six or fewer disabled persons is a residential use for the purpose of zoning. A State-authorized, certified, or licensed family care home, foster home or group home serving six or fewer disabled persons or dependent and neglected children on a 24- hour-day basis is considered a residential use that is permitted in all residential zones. No local agency can impose stricter zoning or building and safety standards on these homes. The City of San Bernardino provides for small community care facilities (serving six or fewer residents) in all residential zones. Senior citizen, congregate care, and convalescent facilities, including facilities that serve more than six persons are permitted in multiple-family zones. As of February 2010, 57 licensed community care facilities with 780 beds were located in San Bernardino. Table 55 provides a tabulation of licensed care capacity by jurisdiction and Figure 6 illustrates the geographic distribution of these facilities. Most facilities provide adult residential care, but most beds are provided within facilities that provide residential care for the elderly (RCFEs). Adult residential care and RCFEs are conditionally permitted in San Bernardino as congregate care or residential care facilities. Table 55: Community Care Facilities in San Bernardino i Type of Facility Number of Facilities I Number of Beds Adult Residential Care 38 328 Group Home 9 54 Residential Care for the Elderly 10 398 Total 57 780 Source:CCLD Facility search,accessed 2.16.10 htt s:llsecure.dss.cahmet. ovlcdd/secuTenet/ccld searchlccld search.as x The San Bernardino Development Code defines many types of community care facilities based on the type of population they serve. It also defines a community care facility in general as "consistent with Health and Safety Code (Section 1267.8) the intermediate care facility shall include provisions for developmentally disabled habilitative — nursing or congregate living." The Development Code also includes a definition of a residential care facility as "a family home, group care facility, or similar facility for 24 hour non- medical care of persons in need of personal services, supervision or assistance essential for sustaining the activities of daily living or for the protection of the individual". Together, these definitions provide for community care facilities in the City, which are permitted by right in all residential zones, except for the Student Housing zone. The Development Code defines special group residences to include (but not be limited to): housing for seniors, residential care facilities and boarding houses/lodging houses. Chapter 4: Public Policies 81 City of San Bernardino Analysis of Impediments to Fair Housing Choice These are housing options to meet the census definition of group quarters but not housing units. 6. Emergency Shelters Emergency shelters provide short-term shelter (usually for up to six months to stay) for homeless persons or persons facing other difficulties, such as domestic violence. Recent revisions to State law require jurisdictions to identify adequate sites for housing that will be made available through appropriate zoning and development standards to facilitate and encourage the development of a variety of housing types of all income levels, including emergency shelters (Section 65583(c)(1) of the Government Code). State HCD and subsequent court decisions have interpreted this as a requirement for local governments to specify which zone(s) permit such facilities and implement permit process that both facilitate and encourage the development of such housing. Currently, the City of San Bernardino Development Code allows emergency shelters with approval of a CUP in the CR-2 zone. The City also conditionally permits homeless facilities in the RM, RMH and RH zones; however, the Development Code does not define this land use type and therefore prospective developers may be uncertain about the requirements for a "homeless facility" compared to an "emergency shelter." Programs 3.4.4 and 3.4.5 of the Housing Element show that the City will comply with SB2, which mandates that appropriate sites, zones and development standards are identified for emergency shelters, as well as transitional housing and permanent supportive housing. In San Bernardino emergency shelters serving up to 35 persons nightly will be .permitted without discretionary review in a light industrial and commercial area (an overlay in the IL zone) with access to public transportation. The City will create a permanent ordinance for this area that defines emergency shelters and establishes appropriate standards for new and adaptive reuse for emergency shelters. 7. Transitional and Supportive Housing Transitional housing provides longer-term housing (up to two years), coupled with supportive services such as job training and counseling, to individuals and families who are transitioning to permanent housing. Transitional and supportive housing facilities are not provided for in the San Bernardino Development Code. The City conditionally permits homeless facilities in the RM, RMH and RH zones but does not define what a homeless facility is. Transitional and supportive housing can be accommodated in many forms, including group homes, institutional housing or regular housing. To comply with State law, the City will amend the Development Code to differentiate transitional or supportive housing based on unit type. For example, it will differentiate between transitional and supportive housing that operates as group residence versus transitional or supportive housing that is regular rental apartments. For transitional and supportive housing operating as regular rental housing, meeting the statutory definitions of the Health and Safety Codes, such housing will be permitted by right in the City where multi-family Chapter 4: Public Policies 82 City of San Bernardino Analysis of Impediments to Fair Housing Choice housing is permitted. For transitional and supportive housing operating as group housing facilities, meeting the statutory definition of residential care facilities under the Lanterman Developmental Disability Services Act, such facilities will be permitted according to the City's Development Code provisions for residential care facilities. 8. Single-Room Occupancy Units Single-room occupancy (SRO) units are one of the most traditional forms of affordable private housing for lower income individuals, including seniors and persons with disabilities. An SRO unit is usually small, between 80 and 250 square feet. These units provide a valuable source of affordable housing and can serve as an entry point into the housing market for formerly homeless people. Currently the San Bernardino Development Code defines single-room occupancy units as a cluster of seven or more units within a newly constructed residential hotel of weekly or longer tenancy providing sleeping or living facilities for one or two persons per unit, in which sanitary facilities may be provided within the units and cooking facilities may be shared within the hotel. SRO units are conditionally permitted in the CG-2 and CR-2 zones. 9. Mixed Use Mixed use projects combine both non-residential and residential uses on the same site, thus providing an opportunity to diversify housing types and locate residential uses in proximity to non-residential activity centers. Mixed use development can help increase access to public facilities for the elderly and persons with disabilities by creating opportunities to reduce vehicular reliance by making walking, bicycling or taking public transportation more feasible. Mixed residential and commercial land uses are conditionally permitted in the CR-2, CG-2, CG-3, and CG-4 zones. Residential and office uses allowed with a CUP in CO-1 and CO-2 zones. 10. Senior Citizen Housing The City conditionally permits senior citizen housing in the CO-1, CO-2, CG-2, and CR- 2 zones, whereas regular multi-family housing is permitted by right in the CG-2 and CR- 2 zones. Conversely, the City conditionally permits senior housing in the CO-1 and CO- 2 zones where regular multi-family housing is not permitted. By differentiating senior versus family housing in the location and permitting process has been identified by both HUD and the State Department of Housing and Community Development as a potential impediment to fair housing choice. Chapter 4: Public Policies 83 City of San Bernardino Analysis of Impediments to Fair Housing Choice C. Building, Occupancy, Health and Safety Codes A 1. Building Codes San Bernardino has adopted building and safety codes in order to preserve public health, safety and welfare. To implement these codes, the City has various code enforcement programs designed to address building and neighborhood conditions. These building codes and their enforcement have the potential to significantly increase the cost of development, maintenance and improvement of housing. • Building Codes - San Bernardino has adopted and enforces the California Building Code (CBC) that established standards pertaining to the construction of housing and inspection at various stages of construction to ensure code compliance. • Accessibility Codes - The Federal Fair Housing Act of 1998 and the American Disabilities Act (ADA) are federal laws that are intended to assist in the provision of sage and accessible housing. These regulations were codified in Title 24, Part 2, known as the California Building Code and apply to newly constructed multi-family dwelling units in building with three or more units or in condominium projects with four or more units. The City of San Bernardino has adopted and enforces compliance with these standards to comply with federal law. • City Code Enforcement - The City's Code Enforcement Department enforces State and local regulations governing the maintenance of residential buildings. The Department responds to code violation complaints filed by residents and administers programs to facilitate property maintenance. Building codes and their enforcement increase the cost of housing investment and can impact the viability of rehabilitating older properties required to be upgraded to current code standards. To the extent this makes the cost of housing production or rehabilitation economically infeasible, it could serve as a constraint. However, these regulations are similar to cities in the region, provide minimum standards for safe and accessible housing and thus are not considered to be an undue constraint upon housing investment. 2. Occupancy Standards Disputes over occupancy standards are typical tenant/landlord and fair housing issues. Families with children and large households often face discrimination in the housing market, particularly in the rental housing market, because landlords are reluctant or flatly refuse to rent to such households. Establishing a strict occupancy standard either by the local jurisdiction or by landlords on the rental agreements may be a violation of fair housing practices. V Chapter 4: Public Policies 84 City of San Bernardino Analysis of Impediments to Fair Housing Choice In general, no State or federal regulations govern occupancy standards. The State Department of Fair Employment and Housing (DFEH) uses the "two-plus-one" rule in considering an appropriate number of persons to occupy a housing unit — two persons per bedroom plus and additional person. Using this rule, a landlord cannot restrict occupancy to fewer than three persons for a one-bedroom unit or five persons for a two-bedroom unit, etc. While DFEH also uses other factors, such as the age of occupants and size of rooms, to consider the appropriate standards, the two-plus-one rule is generally followed. Other guidelines are also used as occupancy standards — the California Fire Code and the Uniform Housing Code. The Fire Code allows one person per 150 square feet of "habitable" space. The Uniform Housing Code (1997 edition) outlines a standard of one person for every 50 square feet of bedroom space. These standards.are typically more liberal than the "two-plus-one" rule. A review of the San Bernardino Development Code shows that the City's definition of family limits the total number of persons that can occupy a housing unit to six. This definition of family may be interpreted as an occupancy standard that in some cases could be more restrictive than that established in the Uniform Housing Code, California Fire Code or DFEH guidelines. As previously discussed, court rulings states a zoning ordinance or development code cannot regulate residency by discrimination between biologically relates and unrelated persons. D. Affordable Housing Development In general, many minority and special needs households are disproportionately affected by a lack of adequate and affordable housing in a region. While affordability issues are not directly fair housing issues, expanding access to housing choices for these groups cannot ignore the affordability factor. Insofar as rent-restricted or non-restricted low- cost housing is concentrated in certain geographic locations, access to housing by lower-income and minority groups in other areas is limited and can therefore be an indirect impediment to fair housing choice. Furthermore, various permit processing and development impact fees charged by local government results in increased housing costs and can be a barrier to the development of affordable housing. Other policies and programs, such as inclusionary housing and growth management programs, can either facilitate or inhibit the production of affordable housing. 1. Development Fees Housing construction imposes certain short- and long-term costs upon local government such as the cost of providing planning services and inspections. As a result, San Bernardino collects fees to recover the costs of processing permits and providing the necessity services and infrastructure related to new development. Table 56 summarizes the common planning fees charged for providing associated services for new housing development. As shown, fees vary widely based on the type and size of each development. Chapter 4: Public Policies 85 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table r Development Fee Type 1 15 Unit SF Subdivision 1 20 Unit Condominiumz 1 50 Unit artment8 City Fees Site Plan Review' $8,822.59 $9,154.09 $7,760.27 Architectural Reviews $7,760.27 $7,760.27 $7,760.275 Engineering Fees6 $18,882.97 $58,009.55 $60,305.22 Building Fees' $15,533.55 $20,818.07 $28,944.50 Police Fees8 $8,966.10 $10,591.80 $26,479.50 Fire Fees $11,112.75 $18,278.60 $45,696.50 Parks Fees8 $125,400.00 $132,340.00 $330,850.00 Libra Fees8 $8,949.45 $9,452.20 $23,630.50 Water and Sewer9 $26,872.85 $40,539.80 $45,853.00 Initial Study Feelc $3,338.46 $3,338.46 $3,338.46 Local Circulations $3,268.05 $2,904.80 $7,262.00 Regional Circulations $36,525.00 $32,520.00 $81,300.00 Aquatics Facilities Fees $4,575.15 $4,826.40 $12,066.00 Public Meetings Facilities Fees $14,355.00 $15,140.00 $37,850.00 Stone Drain Fees8 $55,079.55 $30.316.80 $75,792.00 Other Government Agency Fees School Fees" $162,000.00 $162,000.00 $270,000.00 Other Agency Fees72 $2,818.25 $2,818.25 $2,816.25 Total $514,259.99 $560,809.09 $1,059,945.90 Per Unit Total $34,283.99 $28,040.45 $21,198.92 Source:City of San Bernardino,2009 1. Single-family housing project assumed at one 2,000 square foot hone with a 400 square foot garage. 2. Condominium unit assumed at 1,500 square feet with a 400 square foot garage. 3. Apartment unit assumed at 1,000 square feet with a 200 square foot carport. 4. Review,of Site Plan and Architecture is covered by the same application and fee. Site Plan Review fee represents fee for Tentative Subdivision Application review of lot layout in scenarios 1 and 2 and the fee for a Development Permit Type 3. 5. Architectural review represents Development Permit Type 3 for scenarios 1 and 2(per current Planning Fee Schedule) 6. Engineering Fees based on likely development assumptions for Offshe Improvements,Onsite Improvements,Onsite Grading and Landscaping Plan Checks. 7. Building fees based on likely plan check and permit fees. 8. Per current Public Works Fee Schedule for Development Impact Fees.Based on the number of total units assumed for each scenario. 9. Per Water Department estimates combined with current Developer Impact Fee for Sewer Connection. Sewer fee based on number of bedrooms for project scenario 1 assumes 45 bedrooms,scenario 2 assumes 60 bedrooms and scenario 3 assumes 100 bedrooms. 10. Per current Planning Fee Schedule. 11. Per 2009 Schedule of Applicable School Fees within the San Bernardino City Unified School District,$5.40 per square foot of new accessible space for new residential construction. 12. State Fish and Game Fee and County Clerk filing fee for a Notice of Determination for California Environmental Quality Act Documents. Almost all of these fees are assessed through a prorate share system, based on the magnitude of the project's impact or on the extent of the benefit that will be derived from the services or facilities for which the fees are charged. The City of San Bernardino's fees are not high relative to other cities in the region and are not overly burdensome constraint to housing development. In addition to planning fees, the City of San Bernardino charges various development impact fees upon new development. In contrast to service fees that recover the costs w rV7 Chapter 4: Public Policies 86 City of San Bernardino Analysis of Impediments to Fair Housing Choice of providing services, impact fees are intended to fund the improvement in infrastructure and services needed to accommodate new housing development. For instance, common examples include school fees, park and recreation fees, sewer fees and transportation improvement fees. These fees are included in Table 56 above. Until 1978 property taxes were the primary revenue source for financing the construction of infrastructure and improvement required to support new residential development. The passage of Proposition 13 in 1978 has limited a local jurisdiction's ability to raise property taxes and significantly lower the ad valorem tax rate, increasing reliance on other funding sources to provide infrastructure, public improvements and public services. An alternative funding source widely used among local governments in California is the development impact fee which is collected for a variety of improvements including water and sewer facilities, parks and transportation improvements. To enact an impact fee, State law requires that local jurisdiction demonstrate the "nexus" between the type of development in question and the impact being mitigated by the proposed fee must be roughly proportional to the impact caused by the development. Nevertheless, development impact fees today have become a significant cost factor in housing development. California's high residential development impact fees contribute to its high housing costs and prices. Among California jurisdictions, fees account for an average of ten percent of the median price of new single-family homes. The effects of reduced fees on housing affordability, however, would vary widely depending on the amount of the fee reduction and on current home prices. As things now stand, those jurisdictions that do the most to accommodate California's housing production needs are also the most dependent on development fees to finance growth-supporting infrastructure, and thus, can least afford to reduce their fees. The contribution of fees to home prices varies temporally as well spatially. When times are good, housing production tends to lag behind demand, especially in coastal markets. Housing prices during such periods are chiefly affected by the balance between supply and demand and are much less affected by construction and development costs. When economic times are bad, as they are today in most parts of California, and demand is weak, housing prices are more sharply affected by the prices of construction inputs, including fees. The strength of the economy and housing - market also determines the degree of fee shifting and who ultimately pays fees. During strong economic times, it is the final homebuyer or renter who ends up paying housing development fees; the builder or developer is mostly an intermediary. During recessionary periods, the burden of paying for fees may be shifted backwards to the landowner. 2. Article 34 Article 34 State Constitution requires a majority vote of the electorate to approve the development, construction or acquisition by a public body of any "low rent housing project" within that jurisdiction. In other words, for any projects where at least 50 percent of the occupants are low income and rents are restricted to affordable levels, Chapter 4: Public Policies 87 City of San Bernardino Analysis of Impediments to Fair Housing Choice the jurisdiction must seek voter approval known as "Article 34 Authority" to authorize that number of units. The City of San Bernardino obtained Article 34 authority to be directly involved in to the development, construction and acquisition of low-rent housing. In the past, Article 34 may have prevented certain projects from being built. In practice, most public agencies have learned how to structure projects to avoid triggering Article 34, such as limiting public assistance to 49 percent of the units in the project. Furthermore, the State legislature has enacted Section 37001, 37001 .3 and 37001 .5 of the Health and Safety Code to clarify ambiguities relating to the scope of the applicability of Article 34 which now exist. 3. Growth Management Programs Growth management programs facilitate well-planned development and ensure that the necessary services and facilities for residents are provided. However, a growth management program may act as a constraint if it prevents a jurisdiction from addressing its housing needs, which could indirectly impede fair housing choice. These programs range from general policies that require the expansion of public and facilities and services concurrent with new development, to policies that establish urban growth boundaries (the outermost extent of anticipated urban development), to numerical limitations on the number of dwelling units that may be permitted annually. State housing law mandates a jurisdiction facilitate the development of a variety of 4 housing to meet the jurisdiction's fair share of regional housing needs. Any growth management measure that would compromise a jurisdiction's ability to meet its regional housing needs may have an exclusionary effect of limiting housing choices and opportunities of regional residents or concentrating such opportunities in other areas of the region. The City of San Bernardino does not have building moratoriums or growth management plans that limit housing construction. 4. Inclusionary Housing Program Inclusionary housing describes a local government requirement that a specified percentage of new housing units be reserved for affordable to, lower- and moderate income households. The goal of inclusionary housing programs is to increase the supply of affordable housing commensurate with new market-rate development in a jurisdiction. This can result in improved regional jobs-housing balances and foster greater economic and racial integration within a community. The policy is most effective in areas experiencing rapid growth and a strong demand for housing. Inclusionary programs can be voluntary or mandatory. Voluntary programs typically require developers to negotiate with public officials but do not specifically mandate the provision of affordable units. Mandatory programs are usually codified in the zoning ordinance or development code, and developers are required to enter into a development agreement specifying the required number of affordable housing units or Chapter 4: Public Policies 88 City of San Bernardino Analysis of Impediments to Fair Housing Choice payment of applicable in-lieu fees' prior to obtaining a building permit. The City of San Bernardino does not an inclusionary housing program or policy. 5. Redevelopment Project Areas Redevelopment project areas constitute a significant source of affordable housing resources for local governments and the City of San Bernardino has 11 redevelopment project areas. In comparison to federal affordable housing monies, California Redevelopment Law provides redevelopment agencies greater latitude in meeting affordable housing goals. Agencies may exercise all powers of redevelopment, which include land acquisition, leasing, construction, rehabilitation, subsidies and many other financing tools. State law requires redevelopment agencies to set-aside 20 percent of tax increment revenue generated from redevelopment projects for activities that increase, improve or preserve the supply of housing affordable to low and moderate income households. Housing developed within the redevelopment project area must abide by the inclusionary housing policy set forth in the above section. The City of San Bernardino complies with applicable redevelopment laws. E. Policies Causing Displacement or Affect Housing Choice of Minorities and Persons with Disabilities Local government policies could result in displacement or affect representation of minorities or persons with disabilities. Policy areas that could have effects are summarized accordingly: redevelopment activities, reasonable accommodations, ADA compliance public facilities and occupancy standards. 1. Redevelopment Activities Redevelopment activities are governed by the California Relocation Assistance and Real Property Acquisition Guidelines (Government Code Section 7260 through 7277) and the California Eminent Domain Law (California Code of Civil Procedure Section 1230.010 er. Seq.). Although construction activities within redevelopment project areas can result in new resources for lower- and moderate income housing, existing lower and moderate income residents and businesses serving traditionally underserved populations can be displaces in the redevelopment process. To carry out redevelopment projects with a minimum of hardship to displaced persons and businesses, State law requires developers to make a reasonable attempt to acquire the necessary properties through voluntary means rather than the redevelopment agency's use of eminent domain. Special attention should be paid to ensure that lower- and moderate income households are fairly compensated in this process. " An in-lieu fee is the payment of a specified sum of money instead of constructing the required number of affordable housing units. The fee is used to finance affordable housing elsewhere in a community. Chapter 4: Public Policies 89 City of San Bernardino Analysis of Impediments to Fair Housing Choice Despite laws designed to minimize hardship to those displace directly in the redevelopment process, those indirectly gentrified through the redevelopment process have little or no recourse. A lower income household occupying a low cost rental unit in a complex planned for demolition in a redevelopment project area may be forced to move it a landlord decides not to renew the tenant's lease, or permit the tenant to continue residing in the unit on a month-to-month basis until shortly before the structure is razed. Because of rising land values in areas targeted for redevelopment, existing lower-income renters can be forced out of their communities if they are not able to find adequate and affordable housing nearby. Due to the socioeconomic and demographic factors, gentrification of this type can disproportionately affect minorities and persons with disabilities. The City complies with the displacement and relocation requirements pursuant to California Redevelopment Law and the federal Uniform Relocation Act. 2. Reasonable Accommodations The Fair Housing Act, as amended in 1988, requires that cities and counties provide reasonable accommodation to rules, policies, practices and procedures where such accommodation.may be necessary to afford individuals with disabilities equal housing opportunities. While fair housing laws intend that all people have equal access to housing, the law also recognizes that people with disabilities equal housing opportunities. While fair housing laws intend that all people have equal access to housing, the law also recognizes that people with disabilities may need extra tools to achieve equality. Reasonable accommodation is one of the tools intended to further housing opportunities for people with disabilities. For developers and providers of housing for people with disabilities who are often confronted with siting or use restrictions, reasonable accommodation provides a means of requesting from the local government flexibility in the application of land use, zoning and building code regulations or, in some instances, even a waiver of certain restrictions or requirements because it is necessary to achieve equal access to housing. Cities and counties are required to consider requests for accommodations related to housing for people with disabilities and provide the accommodation when it is determined to be "reasonable" based on fair housing laws and the case law interpreting the statutes. The City does not currently have a reasonable accommodations policy in place. San Bernardino will adopt an ordinance to enact a process for disabled individuals (or those acting on their behalf) to make requests for reasonable accommodation in program 3.4.1 of the Housing Element. The City will make reasonable accommodation information available at City Hall and on the City's website The City has the enforcement authority for State accessibility laws and regulations (California Code of Regulations Title 24) when evaluating new construction requests. Americans with Disabilities Act provisions include requirements for a minimum percentage of units in new development to be fully accessible to the physically disabled. Chapter 4: Public Policies 90 City of San Bernardino Analysis of Impediments to Fair Housing Choice F. Equal Provision of and Access to Public Services It is important that all socioeconomic segments of society are served equally with government services. The provision of adequate parks and recreation opportunities has become a rising concern as it related to environment justice. 1. Active Parkland The City of San Bernardino is unique in that active parkland is distributed evenly throughout the City and adequately serves low and moderate income areas. Table 57 shows that 63 percent of the City residents lived in low and moderate income areas in 2000 (date of most recent available data), and, as of February 2010, 65 percent of the City's active parkland was located in these areas. Similarly, while 37 percent of the City residents lived in upper income areas, 35 percent of the City's parkland was located in these areas. .e a •.e• I eA a gee• Park Acrea a Total Po ulation Low and Moderate Income Areas 378.8 65.3% 1 123,157 63.0% Rest of San Bernardino 201.35 34.7% 72,325 37.0% Total 580.14 1 100% 1 195,482 100% Source:U.S.Census 2000,City of San Bernardino As of 2000, 70 percent of active parkland was located within census block groups where there is a concentration of minority residents (block groups whose proportion of minority households is greater than the overall San Bernardino County average of 54 percent). Accordingly, these minority concentration areas accounted for 64 percent of the population. The City of San Bernardino provides active parkland equitably for low and moderate income areas as well as minority concentration areas. .e . e• e Park Acrea a Total Population # % # % Areas with Minoru Concentration 409.7 70.6% 124,661 63.8% Rest of San Bernardino 170.4 29.4% 70,821 36.2% Total 580.1 100% 195,842 100% Source:U.S.Census 2009,Cfty of San Bernardino G. Access to Transit As outlined in Chapter 2 of this Al, equal provision of transit services is indirectly a fair housing issue if transit-dependent populations are not adequately served by public transit, thereby limiting their housing choice. One way to measure this is to compare the relationship between existing transit routes, employment centers and areas where the proportion of residents using transit regularly. Chapter 4: Public Policies 91 City of San Bernardino - Analysis of Impediments to Fair Housing Choice As depicted in Figure 7, most transit dependent areas are linked to major employment centers by existing transit services. Public policies can ensure that transit service is closely aligned with the transit needs of the City. By extending transit service into areas currently un-served, housing choice for transit-dependent households would expand. H. ADA Compliant Public Facilities (Section 504 Assessment) The Americans with Disabilities Act (ADA) of 1990 is federal civil rights legislation which makes it illegal to discriminate against persons with disabilities. Title 11 of the ADA requires elimination of discrimination in all public services and the elimination of architectural barriers in all publicly owned buildings and facilities. It is important that public facilities are ADA compliant to facilitate participation among disabled residents in the community planning and decision-making processes. One of the key places that facilitate community participation is City Hall. The San Bernardino City Hall is ADA compliant. I. Local Housing Authority The availability and use of Section 8 vouchers and public housing units must also adhere to fair housing laws. In San Bernardino, the HUD Section 8 voucher program is administered by the Housing Authority of the County of San Bernardino (HACSB). [The HACSB has adopted priorities or preference for Section 8 and/or public housing. Typically, local residents (or those who work locally), senior, persons with disabilities and veterans are given preferences. Awaiting verification of this information] Section 16(a)(3)(13) of the United States Housing Act mandates that public housing authorities adopt an admission policy that promotes the de-concentration of poverty in public housing. HUD emphasizes that the goal of de-concentration is to foster the development of mixed-income communities with public housing. In mixed-income settings, lower-income residents are provided with working family role models and greater access to employment and information networks. This goal is accomplished through the policy's income-targeting and de-concentration. For Section 8 vouchers, the Housing act mandates that not less than 75 percent of new admission must have incomes at or below 30 percent of the Area Median Income. The remaining balance of 25 percent may have incomes up to 50 percent of the Area Median Income. For public housing, the Housing Act mandates that not less than 40 percent of new admissions must have incomes at or below 30 percent of the Area Median Income. The balance of 60 percent of new admissions may have incomes up to 80 percent of the Area Median Income. Chapter 4: Public Policies 92 City of San Bernardino Analysis of Impediments to Fair Housing Choice �-- J. Community Participation Adequate community involved and representation are important to overcoming and identifying impediments to fair housing or other factors that may restrict access to housing. An important strategy for expanding housing choices for all residents is to ensure that residents' concerns are heard. A jurisdiction must create avenues through which residents can voice concerns and participate in the decision making process. The City values citizen input and has established a number of commissions/committees with representation from the community. The roles of each of these bodies are discussed below. The racial/ethnic composition of these boards, committees and commissions are summarized in Error! Reference source not found.. 1. City Council City residents elect the City Council to guide the policy affairs of the community. The City Council must provide an environment that stimulates participation in the governing processes and must conduct the affairs of the City openly and responsively. San Bernardino uses the Council-Manager form of government. The City is divided, for electoral purposes, into seven Wards approximately equal in population. Each Ward elects a Council representative to staggered four-year terms. 2. Planning Commission T It is the responsibility of the Planning Commission to advise the Mayor and City Council on all matters affecting development of the City's general plan, zoning and ordinances to guide the implementation of long range planning. The Commission is composed of nine residents who are appointed by the Mayor. Planning Commissioners serve four- year terms that coincide with the Mayor's term. Commissioners may stay on as long as the Mayor is elected continually or if a newly elected Mayor wants to keep them on. 3. Youth Advisory Commission The purpose of the Youth Advisory Commission is to involve young people in local governance, to engage youth in creating positive social change and to serve in an advisory capacity to the Mayor and Common Council on topics relating to needs, priorities, programs and opportunities for youth in the community. The Commission consists of 19 voting members between the ages of 15 and 23 appointed by the Mayor and City Council. They are all residents of the City with an awareness and understanding of the needs of young people in San Bernardino. Chapter 4: Public Policies 93 City of San Bernardino Analysis of Impediments to Fair Housing Choice 4. Parks and Recreation Commission The Parks and Recreation Commission is made up of nine members appointed by the City Council to serve terms of continually at the discretion of the Council. The Commission advises the Mayor, the Council and the City Manager on four main areas: • community needs and problems for the purposes of providing a basis for establishing departmental priorities, goals and objectives; • Programs and plans designed to meet stated goals and objectives in areas such as youth affairs, senior affairs, consumer affairs, discrimination in housing and employment and community service centers; • Coordination on a City-wide basis the work of those community agencies and organizations engaged in the providing of human services; and • Evaluation of all community agencies and organizations receiving City funds for the purpose of providing human services. 5. Historical Preservation Commission The purpose of the Historical Preservation Commission is to promote the general welfare of the City by providing for the identification, protection and enhancement of /1 buildings, structures, areas, streets, districts, neighborhoods, sites and natural �1 landscapes that have special historical, archeological, cultural or aesthetic value to the San Bernardino. The Commission consists of nine voting members who are appointed by the Mayor and the Council. The Mayor nominates two residents and registered voters as well as one non-voting advisory member who does not need to be a resident of the City. The Historical Preservation Commission is responsible for the following duties: • Serve in an advisory capacity to the Planning Commission in making recommendations relating to the designation, preservation and protection of historical properties. • Assist in evaluating Mills Act applications. • Make recommendations, as requested, to the Planning Commission regarding proposed general plan, zoning and map changes that impact designated areas. • Promote public interest in, and understanding of, historical and scenic properties and the preservation thereof. • Seek out information and advise the Mayor and Council on funding opportunities for historical preservation. Chapter 4: Public Policies 94 City of San Bernardino Analysis of Impediments to Fair Housing Choice 6. Relocation Appeals Board The Board hears all complaints brought by residents of the redevelopment project areas relating to relocation and determine whether the Redevelopment Agency has complied with the provisions of applicable state and federal law and regulations. After a public hearing, the board sends its findings and recommendation to the Redevelopment Agency. 7. Human Relations Commission The Human Relations Commission was created to consult and advise the Mayor and Council on issues involving the rights of citizens and visitors of the City and equal economic, political and educational opportunity and to equal accommodations in all business establishments in the City. The Commission strives to eliminate prejudice and discrimination because of race, sex, age, color, ethnicity, religion, national origin, ancestry, physical disability, marital status, political affiliation and/or beliefs and any other category protected by law. 8. Multi-Lingual Capacity of Staff A broader range of residents may feel more comfortable approaching an agency with concerns or suggestions if that agency offers sensitivity or diversity training to its staff members that typically interface with the public. In addition, if there is a mismatch between the linguistic capabilities of staff members and the native languages of local residents, non-English speaking residents may be unintentionally excluded from the decision making process. Another factor that may affect community participation is the inadequacy of an agency or public facility to accommodate residents with various disabilities. A total of ten code enforcement staff members that work with residents are bilingual. [Awaiting additional information on other departments] 9. Cultural Diversity Training While providing fair housing education for the public and housing professional is critical, ensuring that City staff understands fair housing laws and sensitivity to the discrimination issues is equally important. The City of San Bernardino offers staff cultural diversity training twice per fiscal year. It is not mandatory for any staff members. Chapter 4: Public Policies 95 City of San Bernardino Analysis of Impediments to Fair Housing Choice K. Housing and Community Development Policies and Programs 1. Housing Element The Housing Element of a community's general plan is required by California State law to be reviewed by the State Department of Housing and Community Development (HCD) for compliance with housing laws. An important criterion of HCD approval of any housing element includes a determination that the local jurisdiction's policies do not unduly constrain the maintenance, improvement and development of a variety of housing choices for all income levels. The City's is currently updating its Housing Element. The City of San. Bernardino has identified the following goals relating to housing in the 2008-2014 Housing Element: • Identify adequate sites for a variety of housing types. • Conserve and improve the existing affordable housing stock and revitalize deteriorating neighborhoods. • Assist in the provision of housing affordable to lower and moderate income households. • Promote equal housing opportunities for all persons in San Bernardino. The City will also adopt a number of housing programs to meet these goals. These programs are listed in the Housing Element and include: Identify Adequate Sites for a Variety of Housing Types • Acquisition, Demolition and Redevelopment: The City has a track record of successfully demolishing substandard units, relocating tenants to safe housing and partnering with a developer to rebuild the property for high quality affordable housing. The City will continue to purchase abandoned or foreclosed single-family projects and demolish units in physical conditions beyond rehabilitation. This program will remove blight, improve public safety and provide new opportunities for affordable homeownership opportunities. • Downtown Housing: Vacant and underutilized sites in Downtown San Bernardino offer a unique opportunity for integrating residential uses into the dense urban core. The Downtown Core Vision sets forth goals and objectives for transforming this primarily commercial and office area into a lively mixed-use and multipurpose node that is highly connected to city services, employment, housing and educational facilities within walking distance and through public transit. • Transit-Oriented Development: The Omnitrans Short Range Transit Plan calls for increased public transportation routes, stations and stops in San Bernardino. The creation of a Transit-Oriented Development (TOD) Overlay District at mass Chapter 4: Public Policies 96 City of San Bernardino Analysis of Impediments to Fair Housing Choice transit stations and stops will facilitate economic development in distressed areas while simultaneaously creating a more livable, healthy and safe community by enhancing transit options, encouraging new mixed use development and improving the pedestrian environment. • Residential Standards for General Commercial 3 District: The City permits mixed- use residential development in the Commercial General-3 (CG-3) zone, but the Development Code explicitly states development standards or a maximum density for mixed-use residential uses in the CG-3 zone (current standards default to those in the CG-2 zone). Development standards will provide property owners and the development community with a better understanding of the residential development potential in this district. • Corridor Improvement Program: The Corridor Improvement Program is an option package of policy, regulatory and incentives intended to stimulate investment and development in the Corridor Strategic Areas. Key incentives include allowing increased densities for housing and mixed-use projects within 500 feet of a transit stop, increasing densities and FARs for mixed-use projects that replace strip commercial on arterials and increased density projects that include lot consolidation. • General Lot Consolidation Incentive: Small, individual lots offer limited development potential and generally cannot support onsite property management. Development opportunities could be increased through a small-lot consolidation program that offers a 15 percent density bonus for projects with a residential component that are committing to a maintenance plan and having on- site management. This encourages a more efficient use of the land while ensuring adequate long-term maintenance and oversight of a property. • Density Bonus Provisions: Density bonus provisions reward developers providing affordable housing to seniors or families with an increase in density and reduced parking, reduced setbacks and other factors that decrease the cost of housing production. Density bonus projects can be an important source of housing for lower and moderate income households. Housing and Neighborhood Preservation • Acquire, Rehabilitate and Resell Foreclosed Homes: Several thousand homes in San Bernardino have been foreclosed, many of which were abandoned or improperly secured and have significantly deteriorated or been vandalized by squatters and thieves. The City has identified intermediary service providers to rehabilitate, manage, market and close the sale of previously deteriorating foreclosed homes. • Acquire, Rehabilitate and Rent Neglected Properties: Numerous multifamily properties in San Bernardino are frequent code violators and have deteriorated due to deferred maintenance resulting from poor management, foreclosure or abandonment. These properties offer opportunities for the City to acquire Chapter 4: Public Policies 97 City of San Bernardino Analysis of Impediments to Fair Housing Choice relatively affordable buildings and facilitate their rehabilitation or demolition and reconstruction for high quality lower income rental housing. • Homebuyer and Owner Education: Some new homebuyers and existing owners are not properly informed of the responsibilities of homeownership and could greatly benefit from .educational programs on credit, lending and home maintenance topics. • Single-Family Rental Property Inspection: The City's Single-Family Rental Property Inspection Program requires that all property owners and companies that lease single-family detached or attached homes be annually inspected by Code Enforcement staff. The inspection documents the condition of single- family rental housing, provides opportunities to educate owners and tenants about their responsibilities to the property, identify illegal rental units and combat blighted conditions that reduce property values. • Multifamily Inspection Program: With increased age, overuse and inadequate property maintenance, multifamily housing can become a visual blight and hazardous to public health and safety. Inspecting multifamily housing identifies deferred maintenance and code violations, provides oversight to property managers, and refers violators to assistance programs. • Neighborhood Housing Services of the Inland Empire Neighborhood Maintenance Program: Neighborhood Housing Services of the Inland Empire administers a O Neighborhood Maintenance Program in San Bernardino. The program provides exterior home improvement grants up to $10,000 to lower and moderate income homeowners occupying single-family homes. • Onsite Property Management Incentives: Onsite property management provides quick response to owner and tenant needs such as unit inspections, unit repairs and use and maintenance of common space areas and parking facilities. The presence of a manager encourages tenants to report malfunctions, which in turn can improve living conditions and better preserve the quality of the housing stock. Although the long-term benefits to the tenants and property owner are numerous, some project developers may need encouragement to commit to property management plan and provide a unit for an onsite manager. The City will identify funds to subsidize one unit on each participating property for a moderate income household to be occupied by an on-site manager. • Oldtimers Grant Program: The Economic Development Agency supports the Oldtimers Grant Program, administered by the Oldtimers Foundation, a local not- for-profit organization dedicated to resident and neighborhood improvement. The Oldtimers Grant Program provides up to $750 per unit for home repairs for units occupied by lower income seniors and disabled households. • Neighborhood Initiative Beautification Program: The Neighborhood Initiative Beautification Program provides grants up to $5,000 to lower and moderate income homeowners or tenants for exterior beautification projects in targeted 10 Chapter 4: Public Policies 98 City of San Bernardino Analysis of Impediments to Fair Housing Choice areas of the community. The grants support improvements such as exterior painting, landscaping (including outdoor watering systems), fencing, security lighting and roofing. Although project funding has not been secured for years beyond 2009, the City will apply to HUD for additional funds. • Preservation of Assisted Multifamily Rental Housing: As affordability covenants expire, the City will collaborate with public and private housing agencies and organizations that qualify for the right of first refusal for privately owned, assisted multifamily rental housing. • Lead Hazard Control: The purpose of the Lead Hazard Control program is to identify and control lead based paint hazards in both privately and publicly owned housing for rental and owner occupants. • Mobile Home Grant Repair Program: Supported by the Economic Development Agency and administered by NHSIE, the program provides grants of up to $5,000 for mobile home repairs. Affordable Housing Assistance • First Time Homebuyer: The City of San Bernardino Economic Development Agency provides up to 20 percent of the purchase price of the home to qualifying lower and moderate income homebuyers. These funds can be used towards downpayment and closing costs. The loan is deferred silent second 1..• with no monthly payments and is forgiven if the homeowner resides in the home for a period of 45 years. The loan must be repaid, plus there will be a certain percentage of equity share when the home is sold, transferred, refinanced or converted into a rental property. • Utility Assistance: Many lower and moderate income households must defer utility payments or avoid using utilities to afford critical items like health care and mortgage payments. The City provides utility assistance to such households. • Emergency Shelter Grant Program: The Economic Development Agency uses federal and local funds to support organizations that provide emergency shelter to homeless individuals and families in San Bernardino. The City has assisted with purchase, rehabilitation and operations of a four-unit apartment complex for emergency shelter operated by the Frazee Community Center. • Transitional Housing Assistance: The Economic Development Agency supports various transitional housing facilities in San Bernardino. For example, the City has provided grants to the Obershaw House for transitional housing to families with children and to several battered women's shelters. • California State University, San Bernardino, Professor Homebuyer Assistance: The California State University, San Bernardino, administration and City of San `�.. Bernardino seek to accommodate the housing needs of professors. Providing Chapter 4: Public Policies 99 City of San Bernardino Analysis of Impediments to Fair Housing Choice housing assistance within the City encourages homeownership investment in the community, retains high quality staff and establishes an additional bond between the City and university. The City will provide downpayment assistance, up to 20 percent, to California State University, San Bernardino, professors purchasing a home in the City of San Bernardino. Equal Housing Opportunity • Reasonable Accommodation Ordinance: The City of San Bernardino does not have a formal process for requesting exemptions from government regulations for the purpose of creating housing accessible to disabled persons. A Reasonable Accommodation Ordinance will enact a process for disabled individuals jor those acting on their behalf) to make requests for reasonable accommodation for relief from burdensome land use, zoning or building laws rules, policies, practices and/or procedures. The City will make the information available at City Hall and on the City's website. • Universal Design Features: Universal design features are accessible designs that create barrier-free spaces. Universal design can make a home accessible to persons with disabilities and comfortable for general use. By incentivizing or requiring assisted new construction or rehabilitation projects to include universal design features, the City would increase its housing stock that is appropriate for aging in place and special needs. • Fair Housing Mediation: The Inland Fair Housing and Mediation Board provides education, dispute resolution and legal advising services to San Bernardino owners, landlords and tenants in conflict. Such services are particularly important for lower and moderate income households unable to afford retaining counsel. The City refers persons with housing discrimination or other fair housing inquiries to the Inland Fair Housing and Mediation Board for assistance. • Permanent Emergency Shelter Ordinance: The City will create a permanent ordinance for this area that defines emergency shelters and establishes appropriate standards for new and adaptive reuse emergency shelters. • Transitional and Permanent Supportive Housing: The City will amend the development code to adequately define transitional and permanent supportive housing and permit these uses based on unit type, in accordance with Senate Bill 2. • Operation Phoenix: An approach to City improvement involving crime suppression, criminal activity intervention and preventative measures to support healthy childhood development. Chapter 4: Public Policies 100 City of San Bernardino Analysis of Impediments to Fair Housing Choice L. Administrative Policies 1. Equal Opportunity and Affirmative Marketing It is the policy of the City of San Bernardino to actively promote and provide equal employment opportunity to all persons on all matters affecting City employment. The City of San Bernardino is committed to a policy of non-discrimination in employment practices and reaffirms its commitment that no person shall benefit or be discriminated against on the bases of race, religion, color, national origin, ancestry, physical or mental disability, medical condition, marital status, age, sex, sexual orientation or any other basis that is inconsistent with federal or state statues, the City Charter, ordinances, resolutions, rules or regulations. To ensure enactment of this policy, the City adopted an Equal Employment Opportunity Plan (EEOP). The EEOP establishes responsibility and accountability for the City's Equal Employment Opportunity Program. The plan analyzes the City's work force, identifies areas of under-utilization, and establishes specific objectives for addressing areas of under-utilization for achieving a representative work force at all levels of employment. To achieve a successful program, the City requires the full support and cooperation of its officers and employees in following both the spirit and intent of this Plan. Equal opportunity is consistent with sound management and quality services. [Awaiting verification and additional information on this section) -z... Chapter 4: Public Policies 101 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 5 Fair Housing Practices This chapter provides an overview of the institutional structure of the housing industry with regard to fair housing practices. In addition, this chapter discusses the fair housing services available to residents, as well as the nature and extent of fair housing complaints received by the fair housing provider. Typically, fair housing services encompass the investigation and resolution of housing discrimination complaints, discrimination auditing/testing and education and outreach, including the dissemination of fair housing information. Tenant/landlord counseling services are usually offered by fair housing service providers but are not considered fair housing services. A. Fair Housing Practices in the Homeownership Market On December 5, 1996, HUD and the National Association of Realtors (NAR) entered into a Fair Housing Partnership. Article VII of the HUD/NAR Fair Housing Partnership Resolution provides that HUD and NAR develop a Model of Affirmative Fair Housing Marketing Plan for use by members of the NAR to satisfy HUD's Affirmative Fair Housing Marketing regulations. Even so, there is still room for discrimination in the housing market. 1. The Homeownership Process tom/ One of the main challenges in owning a home versus renting a home is the process. Buying a house takes considerably more time and effort than finding a home to rent. The major legal and financial implications surrounding the process also intimidate potential buyers. Typically, people are overwhelmed by the unique terminology, number of steps required, and financial considerations involved. The process is costly and fair housing issues may surface at any time during this process. Advertising The first thing a potential buyer is likely to do when they consider buying a home is search advertisements either in magazines, newspapers or the internet to get a feel for what the market offers. Language in advertising has recently become an issue within the realm of real estate. Advertisements cannot include discriminatory references such as the use of words describing current or potential residents or the neighbors or the neighborhood in racial or ethnic terms. Some commonly used statements that are discriminatory include: l • Adults preferred • Perfect for empty nesters Chapter 5: Public Policies 103 i i City of San Bernardino Analysis of Impediments to Fair Housing Choice • Conveniently located by a Catholic church • Ideal for married couples without kids Even the use of models in ads has been questioned, based on the idea that it appears to appeal to a certain race. Additionally, selecting media or locations for advertising that deny information on listings to certain segments of the housing market may also be considered a violation to suggest to a reader whether or not a protected class is preferred. In cities such as San Bernardino, where the majority of residents belong to a specific racial or ethnic group, the homeownership process offers opportunities for fair housing violations due to the natural tendency to advertise in a specific language. While the advertisements may not violate fair housing laws, these advertisements may limit opportunities for other racial/ethnic groups to find housing. As a reminder to choose words carefully, the Multiple Listing Service now prompts a fair housing message when a new listing is being added. Recent litigation has also set precedence for violations in advertisements that hold publishers, newspapers, Multiple Listing Services, real estate agents and brokers accountable for discriminatory ads. Lending Initially, buyers must find a lender that will qualify them for a loan. This part of the process entails an application, credit check and an analysis of ability to repay, amount eligible for, choosing the type and terms of the loan, etc. Applicants are requested to provide a lot sensitive information including gender, ethnicity, income level, age and familial status. Most of this information is used for reporting purposes required of lenders by the Community Reinvestment Act (CRA) and the Home Mortgage Disclosures Act (HMDA); however it does not guarantee that individual loan officers or underwriters will not misuse the information. A report on mortgage lending discrimination by the Urban Land Institute" illustrates four basic stages in which discrimination can occur: 1 . Advertising and outreach 2. Pre-application inquiries 3. Loan approval/denial and terms/conditions 4. Loan administration A number of different individuals take part in the various stages of this process and any of them may potentially discriminate. Further areas of potential discrimination include: differences in the level of encouragement, financial assistance, types of loans recommended, amount of down payment required and level of customer service provided. s 1 /•., " The Urban Land Institute, Mortgage Lending Discrimination: A Review of Existing Evidence. June 1999. Turner, Margery Austin and Skidmore, Felicity, Editors. Chapter 5: Fair Housing Practices 104 City of San Bernardino Analysis of Impediments to Fair Housing Choice Real Estate Agents Finding a realtor is normally the next step, which can be done by looking in newspapers, searching the internet and primarily through referrals. The agent will find the home that fits a buyer's needs, desires and budget based on the amount they are qualified for by the lending institution. Realtors may act as agents of discrimination by unintentionally or even intentionally steering potential buyers to or from a particular neighborhood. The City of San Bernardino has a racially diverse population; however, a real estate agency may assume that some buyers may not be interested in living in certain portions of the City based on existing demographic makeup of the neighborhood. Agents may also discriminate by whom they agree to represent, whom they turn away and comments they make about their clients. Recognizing this potential for discrimination the California Association of Realtors (CAR) has included language on many of their forms disclosing fair housing laws. Many Realtor Associations also host fair housing trainings and seminars to educate their members on the provisions and liabilities of fair housing laws. The Equal Opportunity Housing Symbol is also located on all forms as a reminder. Appraisals Banks order appraisal reports to determine whether or not a property is worth the '"'1 amount of the loan they will be giving. Generally speaking, appraisals are based on the comparable sales of properties surrounding the neighborhood of the property being appraised. Other factors are taken into consideration, such as the age of the structure, any improvements made, location, etc. Some neighborhoods with higher concentrations of minorities may appraise lower than like properties in neighborhoods with lower concentrations. Unfortunately, this practice is geared toward a neighborhood and not an applicant, and therefore is not a direct violation of fair housing law that can easily be addressed. One effect of this practice, however, is that it tends to keep property values lower in a given neighborhood, thereby restricting the amount of equity and capital available to those residents. Individual appraisers are the ones making the decisions on the amounts; thus, there is room for flexibility in the numbers. As each appraiser is individually licensed, similar to real estate agents, they risk losing their license for unfair practices. Sellers A seller may not want to sell his/her house to certain purchasers based on classification biases protected by fair housing laws, or they may want to accept offers only from a preferred group. Often, sellers are home when agents show the properties to potential buyers and they may develop certain biases based upon this contact. Sellers must sign the Residential Listing Agreement and Seller's Advisory forms, which disclose that a seller understands fair housing laws and practices of nondiscrimination. Yet enforcement is difficult because a seller may have multiple offers and choose one based on a bias. Chapter 5: Public Policies 105 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Covenants, Conditions and Restrictions Covenants, Conditions and Restrictions (CC&Rs) are restrictive covenants that involve voluntary agreements that run with the land with which they are associated. The Statute of Frauds (Civil Code Section 1624) requires CC&Rs to be in writing, because they involve real property. CC&Rs must be recorded in the County where the property is located in order to bind future owners. Owners of a parcel may agree amongst themselves as to the restrictions on use, but in order to be enforceable, restrictions must be reasonable.16 In the past CC&Rs were used to exclude certain groups such as minorities from equal access to housing in a community. Today, the California Department of Real Estate reviews CC&Rs for all subdivisions of five or more lots, or condominiums of five or more units. This review is authorized by the Subdivided Lands Act and mandated by the Business Professions Code, Section 11000. The review includes a wide range of issues, including compliance with fair housing law. The review must be completed and approved before the Department of Real Estate will issue a final subdivision public report. This report is required before a real estate broker or anyone else can sell the units and each prospective buyer must be issued a copy of the report. If the CC&Rs are not approved, the Department of Real Estate will issue a "deficiency notice," requiring the CC&Rs be revised. Communities with old subdivisions or condominium developments may still contain CC&Rs that do not comply with fair housing laws. A typical example relates to occupancy standards, which an association may see to enforce in order to oust a particular group or discriminate based on familial status or lack thereof. However, provisions in the CC&Rs that violate the fair housing laws are not legally enforceable by the homeowners association. A majority of the housing units in San Bernardino were built prior to the 1980s and may contain CC&Rs that violate fair housing laws. 3. Insurance Many insurance companies have applied strict guidelines, such as not insuring older homes, that disproportionately affect lower-income and minority households that can only afford to buy in older neighborhoods. Underwriting guidelines are not public information; however, consumers have begun to seek access to these underwriting guidelines to learn if certain companies have discriminatory policies. The California Fair Access to Insurance Requirements (FAIR) Plan was created by the Legislature in 1968 after the brush fires and riots of the 1960s made it difficult for some people to purchase fire insurance due to hazards beyond their control. The FAIR Plan is designed to make property insurance more readily available to people who have i s j 14 Summarized from the fourth edition of California Real Estate Law by William H. Pivar and Robert J. Bruss Dearborn Real Estate Education, 2000. Chapter 5: Fair Housing Practices 106 City of San Bernardino Analysis of Impediments to Fair Housing Choice difficulty obtaining it from private insurers because their property is considered "high risk." The California Organized Investment Network (COIN) is a collaboration of the California Department of Insurance, the insurance industry, community economic development organizations, and community advocates. This collaboration was formed in 1996 at the request of the insurance industry as an alternative to state legislation that would have required insurance companies to invest in underserved communities, similar to the federal Community Reinvestment Act (CRA) that applies to the banking industry. COIN is a voluntary program that facilitates insurance industry investments, which provide profitable returns to investors, and economic and social benefits to underserved communities. 4. Credit and FICO Scores Credit history is one of the most important factors in obtaining a home purchase loan. Credit scores determine loan approval, interest rates associated with the loan, as well as the type of loan an applicant will be given. Applicants with high credit scores are generally given conventional loans, while lower and moderate range scores revert to FHA or other government-backed loans. Applicants with lower scores also receive higher interest rates on the loans as a result of being perceived as a higher risk to the lender, and may even be required to pay points depending on the type of lending institution used. Fair Isaac and Company (FICO), which is the company used by the Experian (formerly TRW) credit bureau to calculate credit scores, has set the standard for the scoring of credit history. Trans-Union and Equifax are two other credit bureaus that also provide credit scores, though they are typically used to a lesser degree. In short, points are awarded or deducted based on certain items such as how long one has had credit cards, whether one makes payments on time, if credit balances are near maximum, etc. Typically, the scores range from the 300s to around 850, with higher scores demonstrating lower risk. Lower credit scores require a more thorough review than higher scores and mortgage lenders will often not even consider a score below 600. FICO scores became more heavily relied on by lenders when studies conducted show that borrowers with scores above 680 almost always make payments on time, while borrowers with scores below 600 seemed fairly certain to develop problems. Some of the factors that affect a FICO score are: • Delinquencies • New accounts (opened within the last twelve months) • Length of credit history (a longer history of established credit is better than a short history) • Balances on revolving credit accounts • Public records, such as tax liens, judgments, or bankruptcies • Credit card balances Chapter 5: Public Policies 107 City of San Bernardino Analysis of Impediments to Fair Housing Choice • Number of inquiries • Number and types of revolving accounts However, the current mortgage lending crisis was in part a result of lenders providing mortgage financing to borrowers who are not credit worthy, or steering borrowers who can qualify for lower cost loans to the subprime market. B. National Association of Realtors® (NAR) The National Association of REALTORS® (NAR) has developed a Fair Housing Program to provide resources and guidance to REALTORS® in ensuring equal professional services for all people. The term REALTOR(9) identifies a licensed professional in real estate who is a member of the NAR; however, not all licensed real estate brokers and salespersons are members of the NAR. 1. Code of Ethics Article 10 of the NAR Code of Ethics provides that "REALTORS° shall not deny equal professional services to any person for reasons of race, color, religion, sex, handicap, familial status, or national origin. REALTORS® shall not be a party to any plan or agreement to discriminate against any person or persons on the basis of race, color, religion, sex, handicap, familial status, or national origin." A REALTOR® pledges to conduct business in keeping with the spirit and letter of the Code of Ethics. Article 10 imposes obligations upon REALTORS° and is also a firm statement of support for equal opportunity in housing. A REALTOR® who suspects discrimination is instructed to call the local Board of REALTORS®. Local Boards of REALTORS® will accept complaints alleging violations of the Code of Ethics filed by a home seeker who alleges discriminatory treatment in the availability, purchase or rental of housing. Local Boards of REALTORS® have a responsibility to enforce the Code of Ethics through professional standards procedures and corrective action in cases where a violation of the Code of Ethics is proven to have occurred. Additionally, Standard of Practice Article 10-1 states that "REALTORS° shall not volunteer information regarding the racial, religious or ethnic composition of any neighborhood and shall not engage in any activity which may result in panic selling. REALTORS® shall not print, display or circulate any statement or advertisement with respect to the selling or renting of a property that indicates any preference, limitations or discrimination based on race, color, religion, sex, handicap, familial status, or national origin." 2. Diversity Certification NAR has created a diversity certification, "At Home with Diversity: One America" to be granted to licensed real estate professionals who meet eligibility requirements and complete the NAR "At Home with Diversity" course. The certification will signal to Chapter 5: Fair Housing Practices 108 City of San Bernardino Analysis of Impediments to Fair Housing Choice customers that the real estate professional has been trained on working with diversity in today's real estate markets. The coursework provides business planning tools to assist real estate professionals in reaching out and marketing to a diverse housing market. The NAR course focuses on diversity awareness, building cross-cultural skills, and developing a business diversity plan. C. California Department of Real Estate (DRE) The California Department of Real Estate (DRE) is the licensing authority for real estate brokers and salespersons. As noted earlier, not all licensed brokers and salespersons are members of the National or California Association of REALTOR°. The DRE has adopted education requirements that include courses in ethics and in fair housing. To renew a real estate license, each licensee is required to complete 45 hours of continuing education, including three hours in each of the four mandated areas: Agency, Ethics, Trust Fund, and Fair Housing. The fair housing course contains information that will enable an agent to identify and avoid discriminatory practices when providing real estate services to clients. Prior to July 1, 2007, a real estate salesperson renewing the license for the first time must complete separate three-hour courses in Agency, Ethics, Trust Fund Handling, and Fair Housing to qualify for renewal. All licensees, with the exception of those renewing for the first time, are required to complete a full 45 hours of continuing education for each license renewal. At least 18 hours of course work specifically designated as consumer protection must be completed. An additional 15 hours of approved courses are required, which may be designated as either consumer protection or consumer service courses. For the initial renewal on or after July 1 , 2007, the law requires, as part of the 45 hours of continuing education, completion of five mandatory three-hour courses in Agency, Ethics, Trust Fund Handling and Fair Housing and Risk Management. These licensees will also be required to complete a minimum of 18 additional hours of courses related to consumer protection. The remaining hours required to fulfill the 45 hours of continuing education may be related to either consumer service or consumer protection, at the option of the licensee. D. California Association of Realtors® (CAR) The California Association of Realtors (CAR) is a trade association of 92,000 realtors statewide. As members of organized real estate, realtors also subscribe to a strict code of ethics as noted above. CAR has recently created the position of Equal Opportunity/Cultural Diversity Coordinator. CAR holds three meetings per year for its general membership, and the meetings typically include sessions on fair housing issues. Current outreach efforts in the Southern California area are directed to underserved communities and state-licensed brokers and sales persons who are not members of the CAR. Chapter 5: Public Policies 109 City of San Bernardino Analysis of Impediments to Fair Housing Choice E. Local Realtor® Associations REALTOR° Associations are generally the first line of contact for real estate agents who need continuing education courses, legal forms, career development, and other daily work necessities. The frequency and availability of courses varies amongst these associations, and local association membership is generally determined by the location of the broker that an agent works for. Complaints involving agents or brokers may be filed with these associations. Monitoring of services by these associations is difficult as detailed statistics of the education/services the agencies provide or statistical information pertaining to of the members is rarely available. The Inland Valley Association of Realtors (IVAR) serves the City of San Bernardino. Complaints against members are handled by the association as follows. First, all complaints must be in writing. Once a complaint is received, a grievance committee reviews the complaint to decide if it is unworthy of further consideration, if it should be referred back to the complainant for arbitration or if it warrants a formal hearing. If a formal hearing is necessary, the Secretary (Chief Executive Officer) conducts a professional standards hearing with all parties involved. If the member is found guilty of a violation, the member may be expelled from the association, and the California Department of Real Estate is notified. F. Fair Housing Practices in the Rental Housing Market 1. Rental Process Advertising San Bernardino has a large rental market with many available units, unlike most parts of California, which is facing a shortage of rental housing. Often, vacancy is announced either via word of mouth of existing tenants or a for-rent sign outside the property. Unless one happens to drive by the neighborhood or have friends or families currently residing at the property, one may not have access to information regarding vacancy. Furthermore, this practice tends to intensify segregation of neighborhoods and properties that already have a high concentration of a racial/ethnic group. When advertising is done, no checks-and-balances mechanism exists to ensure English advertising is provided. Viewing the Unit Viewing the unit is the most obvious place where the potential renters may encounter discrimination because landlords or managers may discriminate based on race or disability, or judge on appearance whether a potential renter is reliable or may violate any of the rules. Chapter 5: Fair Housing Practices 110 City of San Bernardino Analysis of Impediments to Fair Housing Choice Credit/Income Check Landlords may ask potential renters to provide credit references, lists of previous addresses and landlords, and employment history/salary. The criteria for tenant selection, if any, are typically not known to those seeking to rent. Many landlords often use credit history as an excuse when trying to exclude certain groups. Legislation provides for applicants to receive a copy of the report used to evaluate applications. The Lease Most apartments are rented under either a lease agreement or a month-to-month rental agreement. A lease is favorable from a tenant's point of view for two reasons: the tenant is assured the right to live there for a specific period of time and the tenant has an established rent during that period. Most other provisions of a lease protect the landlord. Information written in a lease or rental agreement includes the rental rate, required deposit, length of occupancy, apartment rules, and termination requirements. Typically, the lease or rental agreement is a standard form completed for all units within the same building. However, the enforcement of the rules contained in the lease or agreement may not be standard for all tenants. A landlord may choose strict enforcement of the rules for certain tenants based on arbitrary factors, such as race, presence of children, or disability. In recent years, complaints regarding tenant harassment through strict enforcement of lease agreements as a means of evicting tenants have increased significantly. Security Deposit A security deposit is typically required. To deter "less-than-desirable" tenants, a landlord may ask for a security deposit higher than for others. Tenants may also face differential treatment when vacating the units. The landlord may choose to return a smaller portion of the security deposit to some tenants, claiming excessive wear and tear. A landlord may require that persons with disabilities with service animals pay an additional pet rent, a monthly surcharge for pets, or a deposit, which is also a discriminatory act. During the Tenancy During tenancy, the most common forms of discrimination a tenant may face are based on familial status, race, national origin, sex, or disability. Usually these types of discrimination appear in differential enforcement of rules, overly strict rules for children, excessive occupancy standards, refusal to make a reasonable accommodation for handicapped access, refusal to make necessary repairs, eviction notices, illegal entry, rent increases, or harassment. These actions may be used as a way to force undesirable tenants to move on their own without the landlord having to make an eviction. Chapter 5: Public Policies ill City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Apartment Association of California The California Apartment Association (CAA) is the country's largest statewide trade association for rental property owners and managers. The CAA was incorporated in 1941 to serve rental property owners and managers throughout California. CAA represents rental housing owners and professionals who manage more than 1 .5 million rental units. Under the umbrella agency, various apartment associations cover specific geographic areas. The California Apartment Association has developed the California Certified Residential Manager (CCRM) program to provide a comprehensive series of courses geared towards improving the approach, attitude and professional skills of on-site property managers and other interested individuals. The CCRM program consists of 31.5 hours of training that includes fair housing and ethics along with the following nine course topics: • Preparing the Property for Market • Professional Leasing Skills and the Application Process • The Move-in Process, Rent Collection and Notices • Resident Issues and Ending the Tenancy • Professional Skills for Supervisors • Maintenance Management: Maintaining a Property • Liability and Risk Management: Protecting the Investment • Fair Housing: It's the Law • Ethics in Property Management In order to be certified one must successfully score 75 percent or higher on the comprehensive CCRM final exam. The CAA supports the intent of all local, State, and federal fair housing laws for all residents without regard to color, race, religion; sex, marital status, mental or physical disability, age, familial status, sexual orientation, or national origin. Members of the CAA agree to abide by the provisions of their Code for Equal Housing Opportunity. 3. Apartment Association Greater Inland Empire The Apartment Association of the Greater Inland Empire is a membership organization covering all most of the Inland Empire. The association provides members with the following magazines and resources: • AAGIE - "The Rental Owners and Managers Magazine" • CAA - "Perspective" • Articles on operating your property profitability • Legal Q & A column • Maintenance articles • The latest legislative information - state and local • Advertisements on upcoming seminars and workshops • Listing of vendors who support the industry Chapter 5: Fair Housing Practices 112 City of San Bernardino Analysis of Impediments to Fair Housing Choice Members of the Association are also provided with legislative updates, free operational advice and guidance, credit checking services, access to forms online, a monthly legal forum and educational classes and seminars. These classes and seminars cover environmental training, fair housing information, maintenance classes and California Certified Residential Manager (CCRM) Education Course (which is approved for DRE continuing education credit). The Apartment Association explained that, by law, on-site apartment managers, of their own properties, are not required to have a real estate broker's license, nor are they required to have any credential or training. If the property is managed by a property management company, then at least one member of that company must have a real estate broker's license. The State real estate broker's license test includes fair housing questions, and the license renewal process every four years mandates a three-hour course on fair housing. 4. The National Association of Residential Property Managers (NARPM) The National Association of Residential Property Managers promotes a high standard of property management business ethics, professionalism and fair housing practices within the residential property management field. NARPM is an association real estate professionals who are experienced in dealing managing single-family and small residential properties. Members of the association adhere to a strict Code of Ethics to meet the needs of the community, which include the following duties: • Protect the public from fraud, misrepresentation, and unethical practices of property managers. • Adhere to the Federal Fair Housing Stature. • Protect the fiduciary relationship of the Client. • Treat all Tenants professionally and ethically • Manage the property in accordance with the safety and habitability standards of the community. • Hold all funds received in compliance with state law with full disclosure to the Client. In addition to promoting high standards of business ethics, professionalism and fair housing practices, the Association also certifies its members in the standards and practices of the residential property management industry and promotes continuing professional education. NARPM offers 3 designations to qualified property managers and property management firms: 1. Residential Management Professional, RMP 2, Master Property Manager, MPM Chapter 5: Public Policies 113 City of San Bernardino Analysis of Impediments to Fair Housing Choice 3. Certified Residential Management Company, CRMC Various educational courses are offered as part of attaining these designations including the following fair housing and landlord/tenant law courses: • Advertising For Fair Housing/ADA (2 to 4 hrs) • Fair Housing Issues of Property Managers (4 hrs) • Fair Housing (3 to 6 hrs) • Accommodations and Modifications (3 hrs) • Property Management The Property Code (6 hrs) • Landlord/Tenant Laws G. Fair Housing Services In general, fair housing services include the investigation and resolution of housing discrimination complaints, discrimination auditing and testing, and education and outreach, including the dissemination of fair housing information such as written material, workshops, and seminars. Landlord/tenant counseling is another fair housing service that involves informing landlords and tenants of their rights and responsibilities under fair housing law and other consumer protection legislations as well as mediating disputes between tenants and landlords. This section reviews the fair housing services available in the City of San Bernardino, the nature and extent of fair housing r complaints, and results of fair housing testing/audits. 1. Inland Fair Housing and Mediation Board Inland Fair Housing and Mediation Board (IFHMB) is a fair housing agency that works to combat discrimination in housing. IFHMB educates both tenants and landlords as to their rights and responsibilities under fair housing laws. IFHMB provides the following fair housing related services to the residents of San Bernardino: • Fair Housing: Provides information, investigation, education, conciliation and/or referral of housing discrimination complaints. • Landlord-Tenant Mediation: Provides information and education to landlords and tenants about their rights and responsibilities under the California Civil Code. Staff members will also offer to mediate conflicts between tenants and landlords. Housing mediation is a useful tool to promote resolutions to problems and avoid needless litigation in the rental/housing industry. • Pre-Litigation Mediation: Utilizes a neutral third-party mediator to offer clients a less threatening and more flexible forum for residents and business dispute resolution. Dispute resolution is available in many areas including commercial and residential real estate, consumer-merchant, insurance coverage, housing, creditor-debtor, civil litigation, partnership and franchising. Chapter 5: Fair Housing Practices 114 City of San Bernardino Analysis of Impediments to Fair Housing Choice • Alternative Dispute Resolution: The California Dispute Resolution Act of 1986 0 provides the authority for mediation in the legal court system. • Mobilehome Mediation: Specialized problem solving based on Mobile Home Residency Law that reflects the dual ownership and unique lifestyle of the Mobile Home community. In-park workshops are also available for education on rights and responsibilities and understanding of the Mobile Home Residency Law (MRL). • Senior Services: Mediates conflicts between seniors and Social Security, Med- Cal, utility companies, collection agencies, neighbors and other parties in dispute. A Care Referral Service such as personal care, housekeeping, transportation and shopping and home maintenance is available as well. • Outreach: Engages in community meetings, high schools, colleges, English as a Second Language (ESL) participants, Realtors and all other parties interested in learning how to avoid housing discrimination and the corresponding rights and responsibilities. • Home Counseling Services: Provides first time homebuyer education, pre- purchase counseling and reverse equity mortgage counseling. 2. Department of Fair Employment and Housing The California Department of Fair Employment and Housing (DFEH) investigates complaints of employment and housing discrimination based on race, sex, religious jcreed, color, national origin, medical condition (cured cancer only), ancestry, physical or mental disability, marital status, or age (over 40 only). DFEH also investigates j complaints -of housing discrimination based on the above classes, as well as children/age, and sexual orientation. DFEH established a program in May 2003 for mediating housing discrimination complaints, which is a first for the State of California and is the largest fair housing mediation program in the nation to be developed under HUD's Partnership Initiative with state fair housing enforcement agencies. The program provides California's tenants, landlords, and property owners and managers with a means of resolving housing discrimination cases in a fair, confidential, and cost-effective manner.15 Key features of the program are: 1) program is free of charge to the parties; and 2) mediation takes place within the first 30 days of the filing of the complaint, often avoiding the financial and emotional costs associated with a full DFEH investigation and potential litigation. The fair housing service providers work in partnership with HUD and DFEH. After a person calls in for a complaint, an interview takes place, documentation is obtained and issues are discussed to decide on the course to proceed. Mediation/conciliation is offered as a viable alternative to litigation. If the mediation/conciliation is successful, " DFEH News Brief, May 29, 2003 Chapter 5: Public Policies 115 City of San Bernardino Analysis of Impediments to Fair Housing Choice the case is closed after a brief case follow-up. If the mediation/conciliation is unsuccessful, the case is then referred to DFEH or HUD. If during case development further investigation is deemed necessary, testing may be performed. Once the investigation is completed, the complainant is advised of the alternatives available in proceeding with the complaint, which include: mediation/conciliation, administrative filing with HUD or DFEH, referral for consideration to the Department of Justice, Civil Rights Division, Housing and Civil Enforcement Section, or referral to a private attorney for possible litigation. H. Fair Housing Statistics As part of the enforcement and tracking services provided by the above mentioned fair housing service providers, intake and documentation of all complaints and inquiries result in the compilation of statistics provided in the form of quarterly and annual reports. 1. Inland Fair Housing and Mediation Board The IFHMB tracks fair housing statistics for the City of San Bernardino. Table 59 shows the types of discrimination cases that were reported to IFHMB from Fiscal Year 2006 through 2010 (present). A total of 382 households and 1,007 persons filed complaints. IFHMB also tracks discrimination based on religion and arbitrary discrimination. However, there have been no complaints on these bases. ..= Landlord/tenant complaints reported to IFHMB are shown in Table 60. Disability-based complaints were the most prevalent basis of discrimination in San Bernardino. Race-based complaints were also high, followed by familial status and national origin. The IFHMB also tracks discrimination complaints with more than one basis. The most prevalent among these was race and disability and disability and age. Again, disability is a common basis of discrimination in San Bernardino. Chapter 5: Fair Housing Practices 116 City of San Bernardino Analysis of Impediments to Fair Housing Choice AA Table Discrimination Complaints r2006-2010 ? N Basis 2005106 2006/07 2007108 2008109 2009110 Total Total HH P HH P HH P HH P HH P Hhlds Persons Race 28 85 21 64 16 40 13 36 9 27 87 252 Color 0 0 1 4 1 7 0 0 0 0 2 11 National Origin 5 16 4 11 4 10 4 10 1 2 18 49 Familial Status 4 15 8 32 4 14 3 13 1 6 20 80 Disability 36 67 46 103 29 52 39 111 33 79 183 412 Sex/Gender 7 27 1 2 0 0 2 5 1 2 11 36 Marital Status 0 0 2 7 0 0 1 2 0 0 3 9 Source of Income 0 0 3 8 5 21 1 2 1 2 10 33 Age 7 9 3 6 2 7 1 4 2 6 15 32 Sexual Orientation 1 1 0 0 0 0 0 0 0 0 1 1 Race& Disability 4 11 4 11 0 0 0 0 0 0 8 22 Race,Sex&Disability 1 2 0 0 0 0 0 0 0 0 1 2 Race&Familial Status 0 0 1 8 0 0 0 0 0 0 1 8 Race&Color 0 0 1 2 0 0 0 0 0 0 1 2 Race&Sex 1 1 0 0 0 0 0 0 0 0 1 1 Race,Sex,National Origin &Familial Status 1 3 0 0 0 0 0 0 0 0 1 3 Race&Age 0 0 1 6 0 0 0 0 0 0 1 6 Race&Source of Income 0 0 1 1 0 0 0 0 0 0 1 1 National Origin&Disability 1 8 1 2 0 0 0 0 0 0 2 10 National Origin&Familial Status 1 5 1 2 0 0 0 0 0 0 2 7 v Familial Status&Disability 0 0 2 4 0 0 0 0 0 0 2 4 Disability&Age 2 2 1 2 0 0 0 0 0 0 3 4 Sex&Familial Status 0 0 1 3 0 0 0 0 0 0 1 3 Sex&Marital Status 0 0 1 1 0 0 0 0 0 0 1 1 Marital Status&Age 0 0 2 9 0 0 0 0 0 0 2 9 Marital Status&Sex 0 0 1 3 0 0 0 0 0 0 1 3 Disability&Source of Income 0 0 1 1 0 0 0 0 0 0 1 1 Marital,Status, Disability& Source of Income 0 0 1 3 0 0 0 0 0 0 1 3 Sex, Marital Status& Familial Status 0 0 1 2 0 0 0 J00 0 1 2 Reli ion 0 0 0 0 0 0 0 0 0 Other Arbitra Factor 0 0 0 0 0 0 0 0 Total Discrimination Com laints 99 252 110 61 151 124 382 1,007 Hhlds=Households Source:Inland Fair Homing Mediation Board,FY 200G2010 B Chapter 5: Public Policies 117 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table .r Landlord r mplaints-FY 2006-2010 2005106 1 2006107 1 2007108 1 2008109 1 2009110 Total I Total HH I P I HH P I HH P HH I P I HH I P A Hhlds Persons Complaints 1799 12,524 1814 2,659 1562 1,847 740 12,475 1536 1 1,879 1 3,451 1 11,384 Hhlds=Households Source:Inland Fair Housing Mediation Board,FY 200 6-2010 2. Department of Fair Employment and Housing The mission of the Department of Fair Employment and Housing (DFEH) is to protect Californians from employment, housing and public accommodation discrimination, and hate violence. To achieve this mission, DFEH keeps track of and investigates complaints of housing discrimination, as well as complaints in the areas of employment, housing, public accommodations and hate violence. [Awaiting additional data] 3. U.S. Department of Housing and Urban Development The U.S. Department of Housing and Urban Development (HUD) maintains a record of all housing discrimination complaints for jurisdictions, including San Bernardino County and the jurisdictions that make up the County including the City of San Bernardino. These grievances can be filed on the basis of race, color, national origin, sex, disability, religion, familial status and retaliation. From January 2004 to December of 2009, 320 fair housing cases were closed by HUD and FHAP (Fair Housing Assistance Program) in - San Bernardino County, 66 of these were in the City of San Bernardino. In the City of San Bernardino, race and disability based cases were the most common. Together, they account for 83 percent of all closed cases in the City from 2004 to 2009 (Table 61). Race and disability are also the most common basis for a case in most neighboring jurisdictions as well as the County as a whole. Familial status and national origin more common in San Bernardino than other jurisdictions, with the exception of Ontario's large number of national origin based cases. Table . Discrimination of •r with HUD 2004-2009 Basis of Complaints Race Color National Sex Disability Religion Familial Retaliation Origin Status San Bernardino 31 2 11 6 24 0 10 5 Chino 4 0 4 2 10 0 2 0 Hesperia 3 1 1 1 6 0 1 1 Fontana 18 1 5 1 6 0 5 2 Ontario 7 0 26 6 14 0 3 12 Loma Linda 4 0 1 1 3 2 2 0 Rancho Cucamonga 1 13 0 1 4 1 0 12 1 0 1 2 1 1 Upland 9 0 2 1 3 0 7 2 Victorville 15 0 0 0 5 0 1 3 County 150 4 74 1 26 116 1 8 50 36 Note:A case may have multiple bases therefore the number of complaints opened are dfcult to determine. Source:Department of Housing and Urban Development(HUD),2010 Chapter 5: Fair Housing Practices 118 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 62 shows the way in which cases were closed throughout San Bernardino County. In the County overall, most cases (62 percent) were closed with no cause found. However, over $185,000 was paid in compensation for other cases that were resolved and closed. The City of San Bernardino followed the same pattern with most cases (58 percent) being closed with no cause. Slightly more than one third (36 percent) of the cases were conciliated or resolved with $28,623 being paid out in compensation. fflil!54*4901571 TiWoMill r r r •r 1 II • II' Referred Compensation Total Closing Admin Conciliated No Cause and Closed for Conciliation Cases Category Closure or Resolved Cause by DOJ or Resolution Closed amount) San Bernardino 4 24 38 0 0 $28,623 66 Chino 2 4 10 0 0 $20,750 16 Hesperia 0 2 7 0 0 $1,500 9 Fontana 4 6 17 3 0 $47,050 1 30 Ontario 6 13 20 9 0 $47,706 48 Loma Linda 2 3 5 0 0 $3,341 10 Rancho Cucamonga 4 12 12 0 0 $7,940 28 Upland 2 7 10 1 0 $4,625 20 Victorville 2 7 12 0 0 $6,959 21 Count 44 100 197 14 0 $185,749 320 Source:Department of hmsing and Urban Development(HUD),Accessed February 2010. I. Testing As part of IFHMB's service contract with the City of San Bernardino, testing is conducted on an ongoing basis. IFHMB conducts complaint based testing as well as audit testing. Audit testing is conducted based on advertisements IFHMB finds, when they are advised of a practice, or when an owner is not being compliant. From January 2009 to December 2009, IFHMB conducted testing in the City of San Bernardino eight times. Out of the eight, four tests were based on familial status, three on race and one was based on disability. Only three, (one regarding race and two regarding familial status) were closed being deemed as having no cause. The remaining five of the tests are still active and under investigation. J. Hate Crimes Hate crimes are crimes that are committed because of a bias against race, religion, disability, ethnicity, or sexual orientation. In an attempt to determine the scope and nature of hate crimes, the Federal Bureau of Investigation's (FBI) Uniform Crime Reporting Program collects statistics on these incidents. Chapter 5: Public Policies 119 City of San Bernardino Analysis of Impediments to Fair Housing Choice To a certain degree, hate crimes are an indicator of the environmental context of ti discrimination. These crimes should be reported to the police or sheriff's department. On the other hand, a hate incident is an action or behavior that is motivated by hate but is protected by the First Amendment right to freedom of expression. Examples of hate incidents can include name calling, epithets, distribution of hate material in public places, and the display of offensive hate-motivated material on one's property. The freedom guaranteed by the U.S. Constitution, such as the freedom of speech, allows hateful rhetoric as long as it does not interfere with the civil rights of others. Only when these incidents escalate can they be considered an actual crime. In the City of San Bernardino nine hate crimes were reported in 2008. While this is the highest number of hate crimes reported in a San Bernardino jurisdiction, the City of San Bernardino is the largest city in the County. Race and sexual orientation motivated hate crimes were the most prevalent in the City as well as other reporting jurisdictions. Disability was not a motivation for reported hate crimes and, overall, there was an equal number of religiously motivated hate crimes as ethnically motivated hate crimes. r II . Basis of Race Religion Sexual Ethnicity Disability Total Complaints Orientation San Bernardino 4 1 4 0 0 9 Fontana 1 0 0 0 0 1 Ontario 5 1 0 0 0 6 Upland 1 0 0 0 0 1 Chino 1 1 2 0 0 4 Hesperia 0 0 OA 2 0 2 Rialto 0 0 0 1 0 1 Redlands 2 2 1 1 0 4 Montclair 0 0 0 1 0 1 San Bernardino 14 5 7 5 0 31 Count Total Note: The numbers above are based on the reporting of hate crimes by local agencies. Not all jurisdictions in San Bernardino County reported statistics. The San Bernardino County(Total)figures represent the sum of all cities in San Bernardino County that did report hate crime statistics in 2008. Source:U.S.Department of Justice Federal Bureau of investigation,2008. K. NIMBYism Many people agree that a variety of housing should be available for people with special needs, such as homeless shelters, affordable housing, and group homes for people with disabilities. However, whether or not these types of housing should be located within their own community is another matter. The Not-in-My-Back-Yard sentiment tNIMBYism) can serve as the most significant constraint to the development of affordable or even market-rate multi-family housing. NIMBYism describes opposition by residents and public officials alike to additional or different kinds of housing units in their neighborhoods and communities. The NIMBY syndrome often is widespread, deeply ingrained, easily translatable into political Chapter 5: Fair Housing Practices 120 City of San Bernardino Analysis of Impediments to Fair Housing Choice actions, and intentionally exclusionary and growth inhibiting. NIMBY sentiment can 10 reflect concerns about property values, service levels, community ambience, the environment, or public health and safety. It can also reflect racial or ethnic prejudice masquerading under the guise of a legitimate concern. NIMBYism can manifest itself as opposition to specific types of housing, as general opposition to changes in the community, or as opposition to any and all development. Community opposition to high-density housing, affordable housing, and housing for persons with special needs (disabilities and homeless) is directly linked to the lack of such housing options for residents in need. In particular, community opposition is typically strongest against high-density affordable housing and group homes for persons with mental disabilities. Community residents who are especially concerned about the influx of members of racial and ethnic minority groups sometimes justify their objections on the basis of supposedly objective impacts like lowered property values and increased service costs. Racial and ethnic prejudice often is one root of NIMBYism, although NIMBY concerns still exist where racial or ethnic differences are not involved. The California legislature has passed various anti-NIMBYism housing bills to prevent communities from rejecting affordable housing projects, including: • SB 1721 - The bill stipulates that a local agency shall not disapprove an affordable housing development project, including agricultural worker housing, or condition approval, including through the use of design review standards, in a manner that renders the project infeasible for development for the use of very low, low or moderate income households. • SB 2 - Expands the Housing Accountability Act, to prohibit localities from denying a proposal to build an emergency shelter, transitional housing or supportive housing if it is needed and otherwise consistent with the locality's zoning and development standards. Chapter 5: Public Policies 121 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 6 Progress Since 2006 This chapter summarizes and compares key findings of the previous Al document completed in 2006 in order to evaluate the progress toward addressing impediments to fair housing choice. A. Expanding Affordable Housing Opportunities Potential Impediments Compared to other neighboring communities, San Bernardino had the third lowest median home price at $247,500 in 2006. However, given the median income of San Bernardino households was $31,140, or just 74 percent of the countywide median income $42,068, homeownership is beyond the reach of most extremely low, low and moderate income households. Approximately 55 percent of all households in San Bernardino are low and moderate income households earning less than 80 percent of the Median Family Income (MFI). When housing costs are too high compared to income, many households would experience housing problems such as overcrowding and cost burden. As is the case in most Southern California communities, many households are affected by housing cost burden and overcrowding. The incidence of overcrowding in the City (21 percent of households) was much higher than countywide average (15 percent) in 2000. A larger proportion of renter-households (28 percent) experienced overcrowding compared to owner-households (16 percent). Approximately 38 percent of all households in San Bernardino experienced housing cost burden (paying more than 30 percent of gross income on housing costs). Housing affordability alone is not necessarily a fair housing issue. However, when housing affordability issues interact with other factors covered under the fair housing laws, such as household type, composition and race/ethnicity, fair housing concerns may arise. Moreover, with increasingly limited affordability housing opportunities, some homeowners may be disproportionately impacted. Recommended Action 1: The City will continue to provide homeownership opportunities in the community by promoting the First-Time Homebuyer Program. The City will focus outreach efforts towards lower-income households, particularly to Hispanic and Black households since they have more difficulty obtaining financing. Specifically, the City will provide advertisements and workshops in both Spanish and English to inform residents about this program \.r Chapter 6: Progress Since 2006 123 City of San Bernardino Analysis of Impediments to Fair Housing Choice Efforts since 2006: The City has provides information about its Homebuyer 13 Assistance Program via the Economic Development Agency website. This information is not available online in Spanish. Recommended Action 2: The City will continue to facilitate the development of housing for all income groups within the community. As identified in the 2000-2005 Housing Element, San Bernardino's Regional Housing Need Assessment (RHNA) for the 1998- 2005 planning period is to provide for 1,148 housing units for very low income households, 676 units for low income households and 734 units for moderate income households. To meet this need, the City will focus on facilitating affordable housing development through a combination of financial and regulatory assistance. Specifically, the City will work to provide affordable housing throughout the community, avoiding an over impaction of specific neighborhoods. Efforts since 2006: San Bernardino has facilitated the development of 228 affordable housing units for low income senior from 2006 to 2009. This is in addition to 561 market rate units and 128 units of student housing. The City has also approved the development of three income restricted senior housing developments that will provide a total of 245 units, as well as an 80 bed emergency shelter, 120 units of student housing and 60 units of faculty housing. B. Rehabilitation Assistance Potential Impediments Primarily due to their lower-income levels, Hispanic households tend to reside in older residential neighborhoods within the City. Overcrowding, housing cost burden and substandard living conditions impact Hispanic households more than other ethnic groups in the City. Recommended Action 3: The City will continue to provide rehabilitation assistance for owner-occupied and investor-owned single-family housing in the community. Existing programs include the Mobile Home Repair Grant, Elderly/Special Needs Minor Repair Grant Program, Single-Family Beautification Grant Program and Neighborhood Initiative Program, Home Improvement Deferred Loan and Beautification Grant. The City will ensure that information about these programs be provided in the City's brochures, advertisements and website in both English and Spanish. In addition, the City may consider assisting with the acquisition/rehabilitation of rental housing. The City will also continue its Code Enforcement efforts to improve the conditions of the rental housing stock. Efforts since 2006: Information about the Mobile Home Grant Repair Program and the Elderly/Special Needs Minor Repair Grant Program is available online via the Economic Development Agency's website; however information is not available in Spanish. The Exterior Beautification Program is currently on hold due to a popular response to the program. No information is available online Chapter 6: Progress Since 2006 124 City of San Bernardino Analysis of Impediments to Fair Housing Choice about the Home Improvement Deferred Loan and Neighborhood Initiative Program. The current Draft Housing Element includes a program to acquire, rehabilitate and rent neglected properties as lower income rental housing. The City's Code Enforcement Division inspects existing structures and responds to public complaints on code violations. The City's Single Family Rental Property Inspection Program requires that all property owners and companies that lease single-family home, duplexes or triplexes to be annually inspected by Code Enforcement staff. Recommended Action 4: The City will ensure that Spanish speaking staff is available to assist residents in the City regarding code enforcement, housing rehabilitation and other housing services. Efforts since 2006: A total of ten code enforcement staff members, three office clerks and seven code officers are bilingual in English and Spanish. C. Public Policies and Programs Affecting Housing Development Potential Impediments Service providers interviewed for this Al study indicated that there is a general perception that housing options for persons with disabilities are limited and development of alternative housing arrangements for persons with disabilities is often met with opposition. Furthermore, the State of California has recently adopted a new housing law (SB 520) that requires a local jurisdiction to assess its policies and regulations for persons with disabilities. Local jurisdictions are encouraged by the State Department of Housing and Community Development (HCD) to formalize the procedures for reasonable accommodation requests. Recommended Action 5: To expand housing opportunities for persons with disabilities, the City may consider adopting formal reasonable accommodations policies and procedures. Efforts since 2006: The City of San Bernardino does not have a formal reasonable accommodations process. The current Draft Housing Element includes a program (Program 3.4.1) to adopt a Reasonable Accommodation Ordinance by June 2010. Chapter 6: Progress Since 2006 125 City of San Bernardino Analysis of Impediments to Fair Housing Choice D. Access to Financing Potential Impediments While conventional home financing is generally available to San Bernardino residents, the majority of home purchase loan applications were filed by upper income households. . Lower income households filed fewer applications and had higher denial rates and lower approval rates than upper income households. Black households had higher home loan denial rates and lower approval rates than any other ethnic group in the City. Furthermore, Hispanic and Black households had lower approval rates and higher denial rates than White applicants. Recommended Action 6: The City will work with local lenders to provide outreach to lower income residents about government-backed financing. The City will encourage local lenders to provide information in both English and Spanish. Efforts since 2006: The City works with lenders that provide outreach to lower income residents in securing government-backed home financing and provides outreach in both English and Spanish. Recommended Action 7: The City will encourage home buying and credit counseling workshops to be held in San Bernardino. These workshops will be held in both English and Spanish. Efforts since 2006: The City of San Bernardino provides homeowner education 4 classes (Homebuyer Education Class, Financial Fitness Class and Home Maintenance Classes) through Neighborhood Housing Services to residents in both English and Spanish. Information about these classes is provided on the City's Economic Development Agency website in both English and Spanish. Recommended Action 8: The fair housing service provider will continue to monitor complaints regarding unfair lending and assess lending patterns using the Home Mortgage Disclosure Act Data (HMDA) and other data sources. Efforts since 2006: IFHMB does not monitor complaints through HMDA but they do use HMDA to determine basic lending patterns for particular banks. IFHMB receives and addresses complaints without involving the City. E. Fair Housing Services and Outreach Potential Impediments Black residents represented 52 percent of all beneficiaries of fair housing services provided by the Inland Fair Housing and Mediation Board; whereas, Hispanic residents represented 23 percent of all beneficiaries. Compared to their respective share of the City population, these statistics may indicate that Blacks experienced a disproportionate 4 Chapter 6: Progress Since 2006 126 City of San Bernardino Analysis of Impediments to Fair Housing Choice share of housing discrimination and problems while Hispanics may not be reporting _p their problems. The most frequent bases of fair housing complaints were related to race, disability and familial status. The largest proportion of alleged acts of discrimination was related to eviction and harassment. Recommended Action 9: The City will encourage the fair housing service provider to conduct fair housing workshops for residents, real estate professionals, apartment owners and property managers. Efforts should be made to expand community participation among single-family homeowners lenders property managers and real estate agents. Efforts since 2006: IFHMB conducts various types of fair housing workshops throughout the year. They offer free fair housing workshops to the public in May and October with an additional six to eight workshops scheduled throughout the service area annually. They also conduct six housing industry workshops annually, focusing on disability. Several fair housing workshops are targeted to English as a Second Language (ESL) participants. IFHMB collaborates with other agencies, such as Rolling Start and Head Start, to conduct workshops for their clients regarding fair housing and landlord/tenant issues as they relate to the disabled community. Fair housing workshops are also conducted with city staff with an emphasis on accessibility in new multi- d^ family construction with attention to design requirements. The First Time Homebuyer education classes offer a fair housing component and discuss predatory lending issues. IFHMB makes efforts to expand community participation in all their events. Recommended Action 10: Expand efforts in distributing brochures and placement of advertisements in order to inform the public of the fair housing law and their rights. Provide links to fair housing and other housing resources on the City's website. Public counters should also prominently display fair housing information. Efforts since 2006: IFHMB distributes brochures and advertisements regarding fair housing through email, direct mail, distribution at City Hall, libraries and other public agencies as well as radio and television advertising, magazine and newspaper articles, bulletin boards and billboard advertising. Recommended Action 11: The City will continue to work with a qualified fair housing service provider to ensure that an increased number of fair housing testing be performed in the City. Testing should be conducted periodically. Efforts since 2006: IFHMB conducts testing on an ongoing basis. Approximately 50 tests are conducted each year on a variety of bases. Chapter 6: Progress Since 2006 127 City of San Bernardino Analysis of Impediments to Fair Housing Choice Recommended Action 12: Target fair housing education and outreach materials to segments of the population most affected by limited housing choice. This can include the minority households (particularly Blacks and Hispanics), the disabled and families with children. Efforts since 2006: Fair housing education and outreach is targeted to minority populations, persons with disabilities, and families with children. All outreach is in English and, Spanish. Radio and television advertising and public service announcements are in both English and Spanish. Fair housing education is conducted with the ESL community in both English and Spanish. Disabled housing issues are addressed in fair housing education workshops to Rolling Start clients and the housing industry with specific attention paid to reasonable accommodation and modification issues. Fair housing education to the Head Start Program focuses on information regarding families with children. Chapter 6: Progress Since 2006 128 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter ? Impediments and Recommendations The previous chapters evaluate the conditions in the public and private market that may impede fair housing choice. This chapter builds upon the previous analysis, summarizes conclusions and presents a list of recommendations to help address the impediments. When identifying recommendations, this Al focuses on actions that are directly related to fair housing issues and can be implemented within the resources and authority of the City of San Bernardino. Existing State, local, and federal requirements, such as Affirmative Marketing Plans, Relocation Plans, are not re-stated in this Al. General recommendations, such as supporting the efforts of other agencies or enhancing affordability, are also not included. A. Continued Impediments and Recommendations The following is a list of impediments and key recommendations carried over from the City's previous 2006 Al. 1. Expanding Affordable Housing Opportunities Impediment A-1 The City provides homeownership opportunities in the community by promoting the First-Time Homebuyer Program. However, outreach efforts are not targeted to lower income households. Recommendation A-1: The City provides information about its Homebuyer Assistance Program via the Economic Development Agency website. The City will provide advertisements and workshops in both Spanish and English to inform residents about this program and target lower income households through advertising. 2. Rehabilitation Assistance Impediment A-2: The City provides rehabilitation assistance for owner-occupied and investor-owned single-family housing in the community. Existing programs include the Mobile Home Repair Grant and Elderly/Special Needs Minor Repair Grant Program. Recommendation A-2: Information about the Mobile Home Grant Repair Program and the Elderly/Special Needs Minor Repair Grant Program is available online via the Economic Development Agency's website; however information is not available in Spanish. The City will ensure that information about these programs be provided in the City's brochures, advertisements and website in Chapter 7: Impediments and Recommendations 129 City of San Bernardino Analysis of Impediments to Fair Housing Choice both English and Spanish. In addition, the City may consider assisting with the acquisition/rehabilitation of rental housing. 3. Housing Discrimination Impediment A-3: Discriminatory practices by some landlords continue in the City, especially based on race, disability, familial status, and national origin. While race discrimination has shown some improvement, discrimination against persons with disabilities has increased. Recommendation A-3: The City should continue its outreach efforts through its fair housing service provider to educate landlords and tenants regarding fair housing rights and responsibilities. Random audits should be conducted periodically to identify problem properties and implement reconciliation efforts. B. Updated or New Impediments and Recommendations 1. Fair Housing Services Impediment B-1: While housing information is available online at City website, limited information on fair housing services and resources is provided. A� Recommendation B-1: The City should provide links to fair housing and other housing resources with current information on its website. Fair housing V information should also be displayed prominently at the public counter. Impediment B-2: San Bernardino had higher number of hate crimes than neighboring jurisdictions, which can be explained in part because San Bernardino is much larger than neighboring cities. A majority of hate crimes reported by the FBI in 2005 involved race and ethnicity. Sexual orientation and religion were also noted as motivations for hate crimes committed in the City. Recommendation B-2: The City should continue all efforts at developing and distributing public education and information materials on tolerance, focusing on sexual orientation, race/ethnic relations and religion. The City should continue to participate in and/or sponsor cultural events that celebrate diversity and encourage reporting of hate crimes through the Police Department. 2. Public Policies and Program Affecting Housing Development Impediment B-3: The City of San Bernardino has extensive needs for affordable housing. While the lack of affordable housing is not a fair housing issue per se, it disproportionately affects minority households (especially Hispanic households) in the community. Expanding affordable housing opportunities in the City will directly expand access of decent and adequate housing for minority households. 4 Chapter 7: Impediments and Recommendations 130 City of San Bernardino Analysis of Impediments to Fair Housing Choice Housing conditions issues, such as substandard housing conditions, overcrowding, and lead-based paint hazards, also tend to impact minority households disproportionately. Recommendation B-3: The City should continue to encourage the development of affordable housing through: (11 development fee waivers/reductions; (2) streamlined permit processing; (3) flexibility in applying design and development standards; 14) density bonuses; (5) other general plan, administrative and zoning efforts; and (6) public-private partnerships with developers of affordable housing. The City should continue to offer housing rehabilitation assistance to all households and ensure affirmative marketing efforts are extended to minority households to encourage participation in City programs. Impediment B-4: With budget constraints, sensitivity training was not provided periodically to staff with direct interaction with the public. Currently, the City of San Bernardino offers two cultural diversity training sessions each year that are open to all staff members. Cultural Diversity training is currently not requires for any staff and the City does not track which staff members attend the training sessions. Recommendation B-4: The City should require that staff members in each department, specifically those who interact with the public, attend cultural diversity training periodically but at a minimum at time of employment. �.... Impediment B-5: A substantial income disparity also exists between owner- and renter- households. Lower income households in are more likely to be renter-households than owner-households. In general, "us" discrimination issues are more prevalent in the rental housing market since renters are more likely to be subject to conditions in the housing market that are beyond their control. Recommendation B-5: Homeownership is particularly important as a vehicle for providing decent housing for working families. In cooperation with lending institutions, local associations of realtors and fair housing providers, the City should provide outreach to inform lower income households of special local, State and federal homebuyer assistance programs. Impediment B-6: Seniors over 65 years of age represent nearly nine percent of the City's total population. Overall, these senior or elderly households may be less able to make improvements to their housing, deal with challenging situations (such as confronting the landlords or managers), or find affordable housing due to limited income and disabilities. Seniors, particularly the frail elderly with disabilities, are vulnerable to housing discrimination as they often have increased difficulty in finding housing accommodations or face targeted evictions. Recommendation B-6: The City should continue its efforts to expand the variety of available housing types and sizes. In addition to persons with disabilities, senior households can also benefit from a wider range of housing options. To Chapter 7: Impediments and Recommendations 131 City of San Bernardino Analysis of Impediments to Fair Housing Choice allow seniors to age in place, .small one-story homes, townhomes or condominiums may be needed. The City should also consider modifying its housing rehabilitation programs to make financial assistance for accessibility improvements available for renters, as well as homeowners. Impediment B-7: Large households are defined as those with five or more members. Large households are a special needs group because the availability of adequately sized, affordable housing units is often limited. Overall, 22 percent of the City's households were large households and 74 percent of them had housing problems (compared with 50 percent of the all households). Housing problem include housing overpayment, overcrowding and/or substandard housing conditions. Due to the limited availability of affordable housing many small households double-up to save on housing costs and tend to opt for renting. Finding affordable housing of adequate size may be a challenging task for many households, particularly lower and moderate income renter-households, however, large households also often face added discrimination in the housing market. Landlords may discriminate against large families for fear of excessive wear and tear or liability issues related to children. Recommendation B-7: The City should continue its efforts to expand the variety of available housing types and sizes. Rental housing units of adequate size for large households should be encouraged as a large portion of the City's large renter-households experience housing problems. Impediment B-8: The City of San Bernardino does not currently have a formal Reasonable Accommodations procedure in place but has a program to adopt one according to the current Draft Housing Element (Program 3.4.1). Recommendation B-8: The City will adopt a formal Reasonable Accommodations ordinance by June 2010, in accordance with the Housing Element. Impediment B-9: Physical disability is the greatest cited basis for discrimination, according to the U.S. Department of Housing and Urban Development (HUD) and the Department of Fair Housing and Employment (DFEH). Mentally ill tenants also face the barrier of stigmatization and biases from landlords and managers. Recommendation B-9: The City should consider incentivizing or requiring universal design features in new construction or substantially rehabilitation of housing, especially projects that receive financial assistance from the City. The City should also consider modifying its housing rehabilitation programs to make financial assistance for accessibility improvements available for renters, as well as homeowners. Chapter 7: Impediments and Recommendations 132 City of San Bernardino Analysis of Impediments to Fair Housing Choice 3. Lending Practices Impediment B-10: The HMDA data available does not provide information on which loans were actually prime or sub-prime mortgage loan applications among conventional home purchase loans. However, given the high foreclosure rate in the City, significant use of sub-prime lending was likely the situation. Sub-prime lenders generally have interest rates that are higher than those in the prime market. While sub-prime lending cannot in and of itself be equated with predatory lending, studies have shown a high incidence of predatory lending in the sub-prime market. Unlike the prime lending market, overly high approval rates in the sub-prime market is a potential cause for concern when the target clients are considered high-risk. Approval rates differed significantly among the top lenders in San Bernardino, from three percent (HFC Company, LLC) to 77 percent (Mountain West Financial). Recommendation B-10: The City of San Bernardino should review the lending patterns of all financial institutions that provide financial services to the City and participate in City loan programs. Special attention should be directed to home purchase lending in lower income and minority concentration areas. In selecting financial institutions to participate in housing programs, the City should consider the lender's performance history with regard to home loans in low and moderate income areas and minority concentration areas, as well as the lender's activity in other Community Reinvestment Act (CRA) activities such as participation in affordable rental housing projects under programs such as bond financing, tax credit, or the Federal Home Loan Bank Affordable Housing Program. The fair housing service provider should continue to monitor lending activities to identify potential issues. Impediment B-11: HMDA data reveals that the racial/ethnic makeup of applicants for conventional home loans was not necessarily reflective of the racial/ethnic demographics of San Bernardino. In 2008, 56 percent of San Bernardino residents were of Hispanic origin. However, in 2008, Hispanics made up just 38 percent of all applicants. By comparison, White residents made up 21 percent of the population in 2008 and 24 percent of the loan applicants. Also, a difference in the approval rates for home purchase loans for White and non- White households existed in 2008 (Table 36). Among low income households (those earning 80 to 100 percent of MR), Asians had the highest approval rates (63 percent) while Blacks had the lowest (25 percent). Blacks in the high income category (those earning 120 percent of MFI or more) also had noticeably lower approval rates (27 percent) than Whites (54 percent) and Asians (48 percent). Since it is assumed that most households in this income category are financially capable of purchasing homes, the discrepancy in home loan approval rates indicates a reason for concern. Chapter 7: Impediments and Recommendations 133 City of San Bernardino Analysis of Impediments to Fair Housing Choice Recommendation B-11: The City should expand outreach efforts to minority households, especially Black households, to raise awareness of and education about homeownership opportunities. 4. Demographics Impediment B-12: Residential segregation refers to the degree to which groups live separately from one another. The term segregation historically has been linked to the forceful separation of racial groups. However, as more minorities move into suburban areas and outside of traditional urban enclaves, segregation is becoming increasingly self imposed. The dissimilarity index, presented in Table 6 represents the percentage of one group that would have to move into a new neighborhood to achieve perfect integration with another group. An index score can range in value from 0, indicating complete integration, to 100, indicating complete segregation. In San Bernardino, The dissimilarity index shows that a moderate level of segregation is present for the Hispanic population as compared to Whites, indicating that the two groups tend to live in different census tracts within the City. The dissimilarity index is lower for Asians and Blacks when compared to Whites. Recommendation B-12: The City should continue to offer a range of housing options to allow the greatest residential mobility among its residents. The City should ensure developers and housing providers utilizing local, State, and federal funds adhere to the Affirmative Fair Marketing Plan as required. Impediment B-13: A higher percentage of renter-households (48 percent) were affected by cost burden than all households in the City (38 percent). While housing affordability per se is not a fair housing issue, the lack of affordable housing can create a market condition that offers financial incentives for housing discrimination, and makes discrimination more likely to occur because of the large applicant pool. Recommendation B-13: The City should continue to promote economic development and expand its housing stock to accommodate a range of housing options and income levels. Impediment B-14: The City does not maintain a record of the race or ethnicity of persons serving on commissions such as the Planning Commission, Youth Advisory Commission, Parks and Recreation Commission, Historic Preservation Commission and the Human Rights Commission. It is unclear whether or not these commissions represent the community. Recommendation B-14: The City should strive to achieve a diversity of members serving on commissions that influence and guide city policies, reflecting the race, ethnicity, and other socio-economic characteristics of the City of San Bernardino. Chapter 7: Impediments and Recommendations 1 134 i City of San Bernardino Analysis of Impediments to Fair Housing Choice 5. Housing Market Conditions Impediment B-15: Approximately 49 percent of the housing stock in San Bernardino is over 30 years old (Table 19(, indicating the possibility of needed repair and rehabilitation for almost half of the City's housing stock. Home rehabilitation can be an obstacle for senior homeowners with fixed incomes and mobility issues. Typically, lead-based paint hazards also disproportionately impact minority households who tend to be of lower incomes and reside in older housing units. Recommendation B-15: San Bernardino should continue operating their housing rehabilitation programs and increase efforts to promote the housing rehabilitation programs. The City should also consider modifying its housing rehabilitation programs to make financial assistance for accessibility improvements available for renters, as well as homeowners. 6. Public Policies Impediment B-16: A Housing Element found by HCD to be in compliance with state law is presumed to have adequately addressed its policy constraints. The City of San Bernardino is currently in the process of updating its Housing Element. Recommendation B-16: The City should pursue State certification of the Housing Element. Impediment B-17: Currently, the San Bernardino Development Code includes a definition of "family" that constitutes a potential impediment to fair housing choice. Recommendation B-17: The City should consider removing or amending the definition of "family" in its Development Code. Impediment B-18: Zoning ordinances should also avoid "pyramid or cumulative zoning" (e.g. permitting lower-density single-family uses in zones intended for higher density multi-family uses). Pyramid or cumulative zoning schemes could limit the amount of lower-cost multiple-family residential uses in a community and be a potential impediment to fair housing choice. San Bernardino has a form of pyramid zoning by permitting single-family residential uses in multiple-family zones and by not establishing a minimum density for any residential zone. Allowing or requiring a lower density use in a zone that can accommodate higher density uses is regulated by State law. A local government is required to make a finding that an action that results in a density reduction, rezoning or downsizing is consistent with its Housing Element. Recommendation B-18: The City of San Bernardino should consider amending its Development Code to avoid "pyramid or cumulative zoning" by restricting the development of new single-family residential units in land use designations intended for multi-family uses. Chapter 7: Impediments and Recommendations 135 City of San Bernardino Analysis of Impediments to Fair Housing Choice Impediment 0-19: California law requires local jurisdictions to adopt ordinances that establish the conditions under which second units are permitted. Second units cannot be prohibited in residential zones unless a local jurisdiction establishes that such action may limit housing opportunities in the region and finds that second units would adversely affect the public health, safety, and welfare in residential zones. The State's second unit law was amended in September 2002 to require use of a ministerial, rather than discretionary, process for reviewing and approving second units. San Bernardino requires a development permit for a second dwelling unit in any residential zone. A development permit requires a hearing and therefore is not a ministerial process. Because second dwelling units can be an important source of suitable and affordable types of housing for seniors and persons with disabilities, overly restrictive or conflicting provisions for these units can be considered an impediment to fair housing choice. Recommendation B-19: San Bernardino should remove the development permit approval required for second units. Impediment B-20: Pursuant to recent changes in State law (SB 2), requires that local jurisdictions make provisions in the zoning code to permit emergency shelters by right in at least one zoning district where adequate capacity is available to accommodate at least one year-round shelter. Local jurisdictions may, however, establish standards to regulate the development of emergency shelters. The San Bernardino Development Code does not permit emergency shelters by right in at least one zone in accordance with State law. Recommendation B-20: The City will amend its Development Code per program 3.4.4 in its Draft Housing Element and create an Emergency Shelter Overlay Zone in the IL zone where shelters serving up to 35 persons will be permitted by right. Impediment B-21: State law (AB 2634 and SB 2) requires local jurisdictions to address the provisions for transitional and supportive housing. Pursuant to SB 2, transitional and supportive housing constitutes a residential use and therefore local governments cannot treat it differently from other types of residential uses (e.g., requiring a use permit when other residential uses of similar function do not require a use permit). The City of San Bernardino does not currently have provisions in place for transitional and supportive housing. Recommendation B-21: The City plans to amend its Development Code per program 3.4.5 in its Draft Housing Element. The City will define and permit transitional and supportive housing based on the unit type rather than the use. Impediment B-22: The City conditionally permits senior citizen housing in the CO-1, CO-2, CG-2, and CR-2 zones, whereas regular multi-family housing is permitted by right in the CG-2 and CR-2 zones. Conversely, the City conditionally permits senior housing in the CO-1 and CO-2 zones where regular multi-family housing is not permitted. By Chapter 7: Impediments and Recommendations 136 City of San Bernardino Analysis of Impediments to Fair Housing Choice differentiating senior versus family housing in the location and permitting process has been identified by both HUD and the State Department of Housing and Community Development as a potential impediment to fair housing choice. Recommendation B-22: The City should amend its Development Code to permit senior housing in the same manner as multi-family housing. While development standards may be different, the allowable location and permit processes should be consistent. Impediment B-23: California Government Code Section 65915 provides that a local government shall grant a density bonus of at least 20 percent (five percent for condominiums) and an additional incentive, or financially equivalentincentive(s), to a developer of affordable housing. The statute includes a sliding scale of bonuses depending on the amount of affordable units developed. These bonuses reach a maximum density bonus of 35 percent when a project provides either 11 percent Very Low income units, 20 percent Low income units or 40 percent Moderate income units. In addition to a density bonus developers may also be eligible for one or more concessions or incentives. As of February 2010, the San Bernardino Development Code does not comply with State law regarding density bonus provisions. Recommendation B-23: The City of San Bernardino should consider amending their density bonus provisions to comply with State law. Chapter 7: Impediments and Recommendations 137 This page left intentionally blank. Appendix Summary of Public Outreach This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice The City of San Bernardino 2010-2015 Analysis of Impediments to Fair Housing Choice has been developed through a collaborative process involving participation by residents, service providers, and City staff. In addition to analysis of available data sources and review of existing reports and fair housing practices, the City sought public input on fair housing issues through two main avenues: A community meeting was held on January 21, 2010 in the Economic Development Agency Board Room. Participants were introduced to the Analysis of Impediments to Fair Housing Choice process and intent and asked to discuss fair housing concerns. This meeting was held in conjunction with the community meeting to receive input on community needs for the 2010-2015 Consolidated Plan. Invitations and flyers were circulated to community groups and local service providers. A community survey, which assessed fair housing discrimination experiences, was distributed to residents and service providers. Surveys were made available at community centers and public counters, located online, and distributed at the January 21, 2010 community meeting. The survey was integrated with a survey to assess Community Needs for the 2010-2015 Consolidated Plan. Overall, 142 residents and service providers responded to the Community Needs and Fair Housing Survey. Community Meeting The City of San Bernardino conducted a community meeting to gather information and solicit input regarding community needs and fair housing concerns. Community Meeting Date: January 21, 2010 Time: 6:30 PM Location: Economic Development Agency, 201 North E Street, EDA Board Room More than 15 residents and representatives of service provider agencies attended, in addition to the five Community Development Citizens Advisory Committee members. Service providers attending the Consolidated Plan community outreach meeting included: Appendix A: Summary of Public Outreach A-1 City of San Bernardino Analysis of Impediments to Fair Housing Choice • Time for Change • A Servant's Heart Outreach • Central City Lutheran Mission • St. John's Success Center • Inland Fair Housing & Mediation Board • Apartment Association Greater Inland • Project Life Impact Empire • Universal Nursing Systems • OMNIP Following are the notes from the meeting. Priority Needs • Senior housing • Shelters • Fair housing for post-incarcerated persons o Questions regarding previous incarceration on applications for housing limit access to public and affordable housing for post-incarcerated persons • Jobs creation and employment training are needed. Potential jobs could be created out of CDBG projects, such as landscaping or minor construction • Housing Rehabilitation is needed, especially for single-family homes • Development of more multi-family housing and mixed-use/multi-purpose buildings are desired • Solutions to homelessness are needed; a transition from homelessness into a permanent place is critical, including services available for the transition. • Section 8 waitlist is complex and long, limiting access for many needy families. • There is a general lack of accessible housing for disabled persons. The Inland Fair Housing and Mediation Board noted that in previous times, the most common fair housing complaint that they had was with regard to racial discrimination. Today the most common fair housing complaint is with regard to disability. There is a need for reasonable accommodations/modifications. • Rental gap assistance to keep people in their homes (1 month) would help people avoid homelessness • Counseling for families in crisis, homeless services (including health care), and services for youth are especially needed • Need for after-school programs (interesting and activel. These programs can also provide needed jobs. • Expand community centers to provide youth services • Need for permanent homeless shelter, with counseling and services connected to housing in a one-stop shop. o Some existing housing opportunities: • Veronica's House (transitional housing for 80 families) • Mary's Table (example funded with HOME funds) Appendix A: Summary of Public Outreach A-2 City of San Bernardino Analysis of Impediments to Fair Housing Choice • Concerns regarding seniors and high property taxes • Need for mental health care and housing • Apartment Association — goal to operate ethnically and _ successfully offer o Know fair housing law, disability law fair housing class • Provides education forms • Provides opportunities and legal advice • Foreclosures are a consistent problem in recent years. • 90-day notice required by owner • Renter is LAST to hear, and often doesn't know whom to pay • Mediation is an option, cash for keys • There are many absentee owners/landlords. The City uses NSP funds to purchase abandoned homes, rehabilitate them, and sells them to lower-income households. • Nonprofit facilities are experiencing budget shortfalls and have a need for affordable space to support their provision `r- of services. • Need for community centers ' • Expand or consolidated youth/seniors • High tech ^+ • Adopt grandparent • Maybe move parks and recreation • Senior nutrition/services are a continuing need. • Need for nonprofit agency collaboration to offer consolidated services and partnerships. These connections, in addition to working with parents, high school students, families supports all their missions and gets more work done. • Homelessness is increasing as a result of foreclosures; approximately 5,000 foreclosures in the City since January 2008. 0 2,700 homeless San Bernardino students o Emergency food need • Overcrowding is a continuing issue. • Facelift neighborhoods • Jobs training • Safe houses needed for victims of domestic violence • HIV and Emergency Housing and Extended Care is needed rte^ Appendix A: Summary of Public Outreach A-3 City of San Bernardino Analysis of Impediments to Fair Housing Choice o_ In .coordination with connections/referrals from local hospitals (streamline) Appendix A: Summary of Public Outreach A-4 City of San Bernardino Analysis of Impediments to Fair Housing Choice City of San Bernardino Housing, Community Needs, and Fair Housing Workshop Thursday January 21, 2010 6:30 p.m. The City of San Bernardino invites your participation in a workshop to discuss community development, housing, S fair housing issues The City of San Bernardino receives nearly $5.5 million annually from the federal government for housing, community development, and infrastructure projects. We need your input to help determine housing and community needs in your community for future funding. In addition, we invite you to discuss any fair housing concerns you may have. Fair Housing means equal access to housing regardless of race, color, national origin, ancestry, religion, sex, disability, familial status, marital status, source of income, or sexual orientation. This workshop will be held as part of the Community Development Citizens Advisory Committee meeting held at: City of San Bernardino Economic Development Agency 201 North E St. EDA Board Room (Third Floor) `if you require special arrangements,please contact the Economic Development Agency at(909(663-1044 Appendix A: Summary of Public Outreach A-5 City of San Bernardino Analysis of Impediments to Fair Housing Choice SAN BERNARDINO COUNTY SUN `MN—Ws ai° ,SOD NOWAGIABLVO,BAN BERNARDINO,CAB2407 TN}4anIB]p)WP IFOe(BW)6 IM Usa ConnodShereeMeier ECONOMIC DEVELOPMENT AGENCY-CI SBSY:1773673 201 NORTH EST#301 CITY OF BAN BERNARDINO HOUSING,COMMUNITY NEEDS, SAN BERNARDINO,CA-92401 am Fair HWalDO warhmW Thursday JONOrv21,2010 TM CRY Of 6a��ernartllm Ipulb[ YWr partictualon In a wpb eMp h Of Us. Wmmanlly anmWf, A 6Nlr hpaslap PROOF OF PUBLICATION re`aresss m191i a er,la o�yonel� IWeml ��bryWW. as her Wrap, r1D1$5QC➢.) 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W of Govraf _ Clrcul G nntl ' an for Detmmiroved • Nnvapper of Cenral GnvlMlon,N rvM1ich the anw�etl is a printed why,Ma k ban out 11n each regular eM entire issue N said naespaper mdvatinenyuryplemeTt Lafan the tolbrdr�gdahebib lanuaryt4,21,2010 City of San Barre loo 1 county undo penalty a Penney that he foregof IS true and Housing_.Community Needs.end Fair Hna yter WOrkeha^ Thursday January 21,2010 III' Datedaanvvy 21,tom '6:30 P.m. he to io San Bmmunito firent your haul mpatlon In a we*- l Shop to tlof San comment.development,housing,ation fair housing we*- �hae Issue. The City of Sen BMOM dlno tenured nearly$5.5 failed annually ham to federal government for housing communlh deveiopr ant end in[ Ground,projects.We need your input to help datem no housing e doommunity needs In your community for Irate furring In addition, we invite you to disc re any lair hour rig co me you may have,Fair Houeng means e9uvl accaus to housing admitees of mco,color, national origin,aremory,religion,Sax,plinnillo,familial Aelus,Montel Mama,church of ncemi,or Hexuel orientation. This irradiation will behold es pad of the Community Development Citizens Ativisory C..in ee mee o,loild al: - I City of San BamAtdlno i,, Economic Development Agency 201 North E St. - - PDAIBoard Room(Third Floor) 11you Rquimv'w lal enenBemenla.eleven ro necphe Ewnbmlc nnvnlopment ABanry a11e09)fi631o01 El Chicano Newspaper P.O.Box 6247 Son Bernardino,California 924126247 Phone(909)381-9898•384-0406 FAX Appendix A: Summary of Public Outreach A-7 City of San Bernardino Analysis of Impediments to Fair Housing Choice Community Survey 4 As part of the Analysis of Impediments to Fair Housing Choice, the City conducted a fair housing survey. The survey consisted of questions designed to gather information on a person's experience with fair housing issues and perception of fair housing issues in his/her neighborhood. The survey was available online and in hard copies in English and Spanish; copies of the survey instrument are included in the following pages. Overall, 142 residents and service providers responded to the Community Needs and Fair Housing Survey. A summary of the findings of the survey is included in the text of the Analysis of Impediments to Fair Housing Choice. Specific comments provided by respondents, such as further elaboration made when indicating "Other" in the survey, are included below. On what basis do you believe you were discriminated against? Other-please specify. • Other - I sought & obtained Federal Fair Housing intervention on behalf of all 108 households - and won. Others have access to do the same. Awareness elevation & empowerment are all we lack in SB. The tools are already in place. • Other - At the time, I had a child with medical needs. • Other - Under 62 years old • Other - Not on welfare I work my husband was out of work. We needed help no one was to help because we make too much money. • Other - ZIP code What was your request for reasonable accommodation? • My request was to please allow a medical delivery van have availability to my front drive for medical supplies to be delivered for my child. • Appliance repair request • Employment • A ramp • Safety, security Appendix A: Summary of Public Outreach A-8 City of San Bernardino Analysis of Impediments to Fair Housing Choice What was the basis of the hate crime? Other-please specify. • Other - Youth gangs • Other - On the homeless • Other - Graffiti • Other - Ignorance • Other - Do not know • Other - Gang C Appendix A: Summary of Public Outreach A-9 City of San Bernardino Analysis of Impediments to Fair Housing Choice City of San Bernardino ` r Fair Housing Survey Fair housing is a right protected by Federal and Slate laws. Each resident is entitled to equal access to housing opportunities regardless of race, color, religion, sex, national origin, disability, familial status, marital status, age, ancestry, sexual orientation, source of income, or arty other arbitrary reason. The Oty of San Bernardino is conducting an Analysis of Impediments to Fair Housing Choice. We want to hear from you about your experience with fair housing issues and concerns. Please fill in the following survey: t. Have you ever personally experienced discrimination in housing? _Yes _No 1 Who do you believe discriminated against you? a landlord/property manager _a real estate agent a mortgage lender _city staff 3. Where did the act of discrimination oaui? _an apartment complex a condottownhome complex a single-family neighborhood _a public or subsidized housing project a trailer or mobilehome park _when applying for Oty programs 4. On what basis do you believe you were discriminated against?(check all that apply) _Race _Cola _Religion _National Origin _Ancestry Gentler _Marital Status _Disability —Age Family Status Source of Income Sexual Orientation (.g sinyrepeer2 with children, le,.welhre,unee loyment Wrtor you or someone dosefo you) mil faywlihorerpetlN a Shddj Insurance) Other(please elaborate: ) 5. If you believe you have been discriminated against,have you reported the incident? _Yes _No If No–My? _don't know where to report _afraid of retaliation don't believe it makes any difference _too much trouble 6. Have you ever been denied"reasonable accommodation"(flexibility)in rules, policies,or practices to accommodate your disability? _Yes _No If Yes,what was your request? Appendix A: Summary of Public Outreach A-10 City of San Bernardino Analysis of Impediments to Fair Housing Choice City of San Bernardino Fair Housing Survey (Continued) �com` 7. Has any hate came been committed in your neighborhood? Yes No Don't Know If Yes,what was the basis(check all that apply) _Race _Color _Religion _National Origin _Ancestry _Gender Marital Status _Sexual Orientation _Age Family Status _Source of Income _Disability Other(please elaborate: ) The City works with the Inland Fair Housing and Medallion Board (IFHMB) to combat discrimination in housing. The IFHMB provides educational, counseling and investigative services pronwOng fair house choices. If you feel you may have been discriminated against, please contact them at(800)321-0911. Foreclosure Issues Please answer the following: 8. If you own your home,are you at risk of foreclosure or already in the foreclosure process? _Yes _No 9. If Yes,are you at risk of foreclosure m in foreclosure due to(check all that apply): _Loss of incomelunemployment _Monthly Payment isMrill increase,we are unable to refinance home to a lower interest rate Monthly Payment isfwill increase,we are unable to refinance home to a fixed rate loan A large one-time payment,built into the structure of the mortgage and due on a specific date, is required Significant increases in other housing costs(e.g.insurance,taxes, utilities,etc.) 1 owe more on the home than it 1s worth so why should I keep paying the mortgage 10. If you have experienced a foreclosure: Are you planning on relocating away from the tatty of San Bernardino? Yes No 1Mere you aware of assistance available to help you?(i.e.mortgage adjustments,etc.) Yes No VWu d you consider homeownership again? Yes No Would you rather have rented or owned a home, given recent circumstances? Rented_Owned Please return surveys by January 30,2009 to: Economic Development Agency,201 North E Street,Suile 301,San Bernardino,CA 92401 For any questions about these surveys,contact:Lim Connor at(909)6631044 or at Iconnorasbrda.org Appendix A: Summary of Public Outreach A-11 City of San Bernardino Analysis of Impediments to Fair Housing Choice w r � " Ciudad de San Bernardino Encuesta de Vivienda Equitativa La Vivienda Equitativa es un derecho amparado por las leyes federales y estatales.Cade residents tiene el derecho a Is igualdad de acceso a oportunidades de vivienda, independierdemente de su raze,color,religi6n, sexo,origen nacional, discapacidad,estado familiar,estado civil,edad, ascendencia, orientaci6n sexual,fueme de ingresoe, o cualquier otra raz6n arbitraria. Le Ciudad de San Bernardino est6 realizando un An9lisis de Impedimentos a Is Elecaw de Vivienda Equitativa.La Ciudad quiere saber de usted sobre sus experiencias a inquietudes con asuntos de vivienda equitativa. Por favor Ilene is siguiente encuesta: 1. 61-lo experimentado personalmente el discrimen de vivienda an Is Ciudad de San Bernardino? _SI _No 2. 4Qui6n cree qua he discriminado con"usled? un dueho/gerente de propiedades _ agente de bienes ralces prestamista hipotecario _ Personal de Is ciudad 3. 4En donde ocum6 el acto de disaiminad6n? _ calorie de viviendas colonia de condominios/tavnhomes vecindario de familias individuates _ proyecto de vivienda publics o subvencionada parque de caravWcasas m6vil _ al solicitor progremas de le Ciudad A �Qu6 considers qua haya sido Is base de dicho discrimen? (marque todas las qua se aplican) _Raze _Color _Religion Origen National Ascendencia Sexo _Estedo Civil _Discapad dad _Edad Estado Familiar Fuente de Ingresos Orientaci6n Sexual (p adre urnm con Njos,famifie con (porejemplo we"oo,segum de (usted o alguien croon a usled) Njos o quo orhape tenodos) desempleo) 60ta raz6n?(describala: ) 5. St tree que he sido victims de discriminaci6n, 6ha reportado el incidents? _SI _No—y si no�por quo no to he hecho? _no sable donde reponarlo _terror a represalias no pensaba qua tendna sentido _demasiadas molestias 6. 4Alguna vez he sido denegado"ajustes razonables"(6exibilidad)an las normas, politicas, o pr6clicas pars adaptarse a su disrapacidad? _SI _No En caso qua si, 4cu31 fue su petici6n? Appendix A: Summary of Public Outreach A-12 City of San Bernardino Analysis of Impediments to Fair Housing Choice Ciudad de San Bernardino Encuesta de Vivienda Equitativa(Continuacf6n) 7. gHa habido delitos de odio en su vedndmio? SI No No S6 En caso que sl, 6cual fue la mz6n?(marque todes las que apliquen) _Reza _Color _Religion Ongen Nadonal _Ascendencia _Sexo _Estado Civil _Orientacidn Sexual _Edad Estado Familiar _Fuente de Ingresos _Discapacidad j0tra raz6n?(describala : ) La Ciudad tmbeja con As Junta de Vlas de Vivienda Justa y Mediacidn (IFHMB) pars luchar contra la discriminad6n de oportuniciades de viviendes. La IFHMB proveer servicios de informad6n, educacibn, asesoramiento a investigad6n que promueven las elecciones de viviende equitativa. Si siente que puede habersido victima de dischminacidn,porfavorcomunicase con IFHMB al(800)321-0911. Probelmas de Juicio Hipotecariu For favor conteste to siguiente: 8. Si usted as duefiola de su case, 6est8 en riesgo de ejecuci6n o ya en el proceso de ejecuci6n hipotetana? Si No S. En caso que si, 6cu6l as la raz6n por estar en riesgo de ejecuci6n o en proceso de ejecuci6n hipotecana?(marque todas as que apliquen): P6rdida de ingresos o desempleo El pago menmal esl6 o ser9 aumentada,y no puedo refinandar el hogar pare obtener un bpo de inter6s mencr. El pago mensual es16 c sera aumentada, y no puedo refinanciar d hogar pare obtener un pr6stamo de tam file. _La hipoteca requiere un gran pago rinico con fecha file y especifice. _Aumentos grandes an los gastos de vivienda(por ejemplo,seguros, impuestos,servidos ptiblicos, etc.). 413ara qua sigo pagando la hipoteca si debo miss de to que vale al hogar? 10. Si he tenido una ejecuci6n hipotecaria: 4 Es16 planeando un traslado fuera de la Ciudad de San Bernardino? SI No TSubla usted que hay asistencia disponible pare ayudarle?(ajustes de hipoteca,etc.) Sl No TCOnsiderarla ne nuevo ser propietano de case? Si No Defies sus cimmstancias recientes, �preferirla ser due6o de su casa o haberia alquilado? Alquilado _Ser Dueelo Favor de entregar esta encuesta a mds tardar el 30 de enero 2009 an Agencia de Desarollo Econ6mico,201 North E Street,Suite 301,San Bernardino,CA 92401 Puede ungir sus preguntasrconnentanos sobre esta encuesta a:Lisa Connor al(909)6631044 o Icmnor @sbrda.org Appendix A: Summary of Public Outreach A-13 City of San Bernardino Analysis of Impediments to Fair Housing Choice Community Development Citizens Advisory Committee Meeting The City of San Bernardino provided a draft of the Al to its Community Development Citizens Advisory Committee Meeting for their review and solicited comments, questions and feedback from the Committee. Community Development Citizens Advisory Committee Meeting Date: March 25, 2010 Time: 6:00 PM Location: Economic Development Agency, 201 North E Street, EDA Board Room The meeting began with a presentation of the City of San Bernardino Five Year Consolidated Plan and Analysis of Impediments to Fair Housing Choice to the five Committee members in attendance. This was followed by a question and answer session between the Committee, City Staff and Veronica Tam and Associates. The following two comments were received: • Foreclosure on Section 8 property owners is becoming a problem. Committee member is aware of Section 8 Voucher recipients who are being evicted with little notice because the property owner is in foreclosure and has not alerted the Voucher recipient. • Would like to see a senior recreation and service center built in the City. There is no space for seniors to have activities and services and San Bernardino is an aging community in need of senior services. Appendix A: Summary of Public Outreach A-14 Appendix B HMDA by Census Tract, 2003 and 2008 0 This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice Table DA 2003 Census Tract I % inonty I ncome eve I ota I %A pprove d 5°Denied 0042.01 >80% Moderate 882 45.6% 24.0% 0042.02 >80% Low 711 45.0% 21.8% 0043.00 >80% Moderate 1,397 47.8% 20.0% 0044.01 50-80% Middle 697 50.2% 18.7% 0044.02 50-80% Moderate 1,082 49.0% 17.8% 0045.02 50-80% Middle 3,711 51.7% 154% 0045.03 20-50% Upper 644 60.7% 10.7% 0045.04 20-50% Upper 2,061 51.7% 12.7% 0046.01 50-80% Middle 1,652 48.4% 16.0% 0046.02 50-80% Middle 2,292 50.0% 17.4% 0047.00 >80% Moderate 643 46.5% 22.2% 0048.00 >80% Moderate 329 45.3% 26.4% 0050.00 >80% Moderate 274 47.5% 18.3% 0051.00 20-50% Middle 1,881 54.12% 13.0% 0052.00 50-80% Middle 983 50.0% 14.6% 0053.00 50-80% Moderate 1,125 50.8% 15.5% 0054.00 50-80% Moderate 880 47.6% 23.1% 0055.00 >80% Low 948 48.3% 19.2% 0056.00 >80% Low 841 48.9% 20.7% 0057.00 50-80% Moderate 167 40.1% 28.1% 0058.00 >80% Low 310 49.7% 22.9% 0059.00 >80% Low 62 45.2% 30.7% �- 0062.01 50-80% Middle 813 53.5% 16.9% 0062.02 50-80% Low 651 50.1% 15.7% 0063.01 50-80% Moderate 727 52.0% 17.3% 0064.01 >80% Low 100 45.0% 23.0% 0072.00 50-80% Moderate 1,051 48.5% 22.9% 0074.04 20-50% Upper 11093 54.6% 12.0% 0074.07 50-80% Low 395 49.1% 20.0% 0075.00 50-80% Uncl 5 60.0% 40.0% Count Total 28,467 50.3% 17.3% Source:HMDA 2003. Appendix B: HMDA by Census Tract B-1 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table B-2: HMIDA 2008 by Census Tract Census Tract %Minority Income Level Total %A roved %Denied 0042.01 >80% Moderate 331 29.6% 39.0% 0042.02 >80% Low 277 24.9°k 47.7% 0043.00 >80% Moderate 398 34.4°k 34.4% 0044.01 50-80% Moderate 194 34.5% 30.4% 0044.02 50-80% Moderate 304 37.5% 31.3% 0045.02 50-80% Middle 1,112 38.6% 26.8% 0045.03 20-50% Upper 251 39.4% 27.5% 0045.04 20-50% Upper 694 46.7% 25.4% 0046.01 50-80% Middle 451 34.8% 25.1% 0046.02 50-80% Middle 596 37.6% 30.7% 0047.00 >80% Moderate 228 29.4% 39.5% 0048.00 >80% Moderate 95 23.2% 43.2% 0050.00 >80% Moderate 114 35.1% 32.5% 0051.00 20-50% Middle 529 39.1% 28.5% 0052.00 50-80% Middle 253 34.4% 36.0% 0053.00 50-80% Moderate 351 35.0% 30.2% 0054.00 50-80% Moderate 263 28.1% 35.0°h 0055.00 >80% Low 218 28.4% 40.4% 0056.00 >80% Low 241 30.7% 33.6% 0057.00 50-80% Moderate 50 34.0°k 30.0% 0058.00 >80% Low 95 20.0% 46.3% 0059.00 >80% Low 17 11.8% 58.8% 0062.01 50-80% Middle 256 34.4% 30.1% 0062.02 50-80% Low 204 34.3% 27.0% 0063.01 50-80% Moderate 199 30.7% 30.2% 0064.01 >80% Low 59 33.9% 47.5% 0072.00 50-80% Moderate 276 36.6% 34.1% 0074.04 20-50% Upper 258 38.4% 26.7% 0074.07 50-80% Low 93 35.5% 39.8% Count Total 8,407 35.5°k 31.6% Source:HMDA 2008. V Appendix B: HMDA by Census Tract B-2 Appendix C County HMDA Tables, 2003 and 2008 This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice -r - 1 �• • • • - •. 'r� • r • • '•• 11 Total Approved Denied Withdrawn Loans Race/Ethnicity I Closed Purchased # % # % # I % I # % # % Native American 378 0.4% 208 55.0% 66 17.5% 45 11.9% 59 15.6% Asian 6,469 6.8% 4,118 63.7% 717 11.1% 701 10.8% 933 14.4% Black 4,991 5.3% 2,973 59.6% 883 17.7% 559 11.2% 576 11.5% Hispanic 26,073 27.4% 16,008 61.4% 4,114 15.8% 2,612 10.0% 3,339 12.8% White 29,627 31.2% 19,345 65.3% 2,970 10.0% 2,650 8.9% 4,662 15.7% Joint 2,914 3.1% 1,880 64.5% 302 10.4% 331 11.4% 401 13.8% Other 1,770 1.9% 1,124 63.5% 235 13.3% 235 13.3% 176 9.9% Not Applicable 22,787 24.0% 7,863 34.5% 1,868 8.2% 1,941 8.5% 11,115 48.8% Total 95,009 100.0% 53,519 56.3% 11,155 11.7% 9,074 9.6% 21,261 22.4% Source:HMDA data,2003. Note:Applicants who fled joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications. Table C-2: Disposition of Conventional Home Purchase Loan Applications by Race of Applicant 108 Total Approved Denied Withdrawn or Loans Race/Ethnicity Closed Purchased # % # % # % I # I % # I % Not Applicable 6,318 21.6% 1,531 24.2% 676 10.7% 546 8.6% 3,565 56.4% Joint Hispanic 615 2.1% 358 58.2% 110 17.9% 63 10.2% 84 13.7% and Non- Hispanic His anic 8,308 28.5% 3,954 47.6% 2,021 24.3% 1,186 14.3% 1,147 13.8% Non Hispanic Groups Native American 60 0.2% 23 38.3% 18 30.0% 8 13.3% 11 18.3% Asian 3,087 10.6% 1,682 54.5% 445 14.4% 400 13.0% 560 18.1% Black 777 2.7% 351 45.2% 195 25.1% 117 15.1% 114 14.7% Pac. Island 155 0.5% 69 44.5% 50 32.3% 11 7.1% 25 16.1% White 9,229 31.6% 5,399 58.5% 1,407 15.2% 1,057 11.5% 1,366 14.8% 2 or more 10 <0.1% 6 60.0% 4 40.0% 0 0.0% 0 0.0% minorities Joint 274 0.9% 166 60.6% 33 12.0% 25 9.1% 50 18.2% Not A licable 361 1.2% 200 55.4% 63 17.5% 61 16.9% 37 10.2% Total 29,194 100.0% 13,739 47.1% 5,022 17.2% 1 3,474 11.9% 16,959 1 23.8% source:HMDA data,2008. Note:Applicants who fled joint applications can be of different racial backgrounds;however,HMDA data does not provide means of ident4ing the racial backgrounds of joint applications. Appendix C: County HMDA Tables C-1 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Disposition of • . Home Purchase Loan Applications by • of Applicant A . 11 Total Approved Denied Withdrawn or Loans Income Closed Purchased <50% 2,165 2.3% 1,105 51.0% 546 25.2% 253 11.7% 261 12.1% 50%to< 9,284 9.8% 5,358 57.7% 1,631 17.6% 891 9.6% 1,404 15.1% 80% 80%to< 10,470 11.0% 6,432 61.4% 1,616 15.4% 950 9.1% 1,472 14.1% 100% 100%to< 12,187 12.8% 7,752 63.6% 1,561 12.8% 1,173 9.6% 1,701 14.0% 120% >=120% 47,505 50.0% 30,980 65.2% 5,297 11.2% 5,081 10.7% 6,147 12.9% Not 13,398 14.1% 1,892 14.1% 504 3.8% 726 5.4% 10,276 76.7% available Total 95,009 100.0% 53,519 56.3% 11,155 11.7% 9,074 9.6% 21,261 22.4% Source:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications Table C-4: Disposition of Conventional Home Purchase Loan Applications by Income of Applicant 11' Total Approved Denied Withdrawn or Loans Income Closed Purchased % # % # % # % # % <50% 940 3.2% 414 44.0% 293 31.2% 90 9.6% 143 15.2% 50%to< 3,570 12.3% 1,900 53.2% 669 18.7% 401 11.2% 600 16.8% 80% 80%to< 3,279 11.3% 1,709 52.1% 596 18.2% 385 11.7% 589 18.0% 100% 100%to< 3,332 11.4% 1,674 50.2% 596 17.9% 427 12.8% 635 19.1% 120% >=120% 14,881 51.1% 7927 53.3% 2,744 18.4% 2,016 13.5% 2,194 14.7% Not 3,132 10.8% 114 3.6% 101 3.2% 119 3.8% 2,798 69.3% available Total 29,134 100.0% 13,738 47.2% 4,999 17.2% 3,438 11.8% 6,959 123.9% Source:HMDA data,2008. Appendix C: County HMDA Tables C-2 City of San Bernardino Analysis of Impediments to Fair Housing Choice Versus San Bernardino Population RacelE[hnicity %of Total %of Total lications Population Hispanic 28.5% 39.2% Not Applicable 21.6% - Joint Hispanic and Non-His anic 2.1% Not Hispanic Populations Native American 0.2% 0.6% Asian 10.2% 4.6% Black 2.7% 8.8% Pacific Islander 0.5% 0.3% White 31.6% 44.0% Joint 0.96% - Total 100.0% Notes:'- indicatesthat there is nocomparable Census category. The'%of Total Population'category will not total 100%because the Census and HMDA race categories are not identical. The Census includes an'Othe(and"Two or More Races'category. Sources: 1. Bureau of the Census,2000 2. HMDA data,2008 Table-C-6: Approval Rates of Conventional Home Purchase Loan Applications by Rare • Income of ' •• 11 Applicant Income Asian Black Hispanic White (AMFQ Total % To % Total % Total I % <50% 32 64.0% 51 46.8% 393 1 48.7% 448 1 55.9% 50%to<80% 168 57.1% 290 54.4% 2,444 57.7% 1,668 59.8% 80%to<100% 278 61.9% 401 60.5% 2,722 61.1% 1,949 62.5% 100%to<120% 484 66.7% 486 60.3% 2,867 63.4% 2,418 65.5% >=120% 3,056 65.8% 1,653 61.3% 6,984 64.3% 12,202 Not available 100 32.9% 92 49.7% 598 50.4% 660 50.7% Total 4,118 63.7% 2,973 59.6% 16,008 61.4% 19,345 65.3% Souse:HMDA data,2003. Table Approval of . • Home Purchase Loan Applications by r Income of •. 11: Applicant Income Asian I Black I Hispanic White (AMI%) Total % Total % Total % Total % <50% 25 39.1% 21 55.3% 150 41.7% 186 57.1% 50%to<80% 177 57.8% 39 45.3% 777 53.0% 689 65.7% 80%to<100% 169 58.9% 47 55.3% 712 54.3% 557 59.6% 100%to< 120% 195 60.9% 53 52.5% 598 49.7% 573 59.4% >=120% 1,095 58.7% 188 45.5% 1,695 49.3% 3,366 61.2% Not available 21 8.6% 3 5.6% 22 4.2% 28 6.1% Total 1,682 54.5% 351 45.2% 3,954 47.6% 5,399 58.5% Source:HMDA data,2008. Appendix C: County HMDA Tables C-3 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Race •C-8: ' . • 0 Total Approved Denied Withdrawn or Loans RacelEthnicity Closed Purchased # % # % # % # % # % Native 46 0.3% 21 45.7% 18 39.1% 7 15.2% 0 0.0% American Asian 318 2.2% 172 54.1% 108 34.0% 37 11.6% 1 0.3% Black 686 4.6% 249 36.3% 332 48.4% 102 14.9% 3 0.4% Hispanic 2,540 17.2% 1,080 42.5% 1,121 44.1% 331 13.0% 8 0.3% White 3,588 24.3% 1,923 53.6% 1,216 33.9% 435 12.1% 14 0.4% Joint 419 3.4% 228 54.4% 139 33.2% 49 11.7% 3 0.7% Other 197 1.6°k 67 34.0% 95 48.2% 35 17.8% 0 0.0% Not Applicable 4,437 36.3% 1,803 40.6% 1,546 34.8% 892 20.1% 196 4.4% Total 12,231 100.0% 5,543 45.3% 4,575 37.4% 1,888 15.4% 225 1.8% Source:HMDA data,2003. Note:Applicants who Bled joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications. Table C-9: Disposition of Conventional Home Improvement Loan Applications by Race of ' •• 11: Total Approved Denied Withdrawn or Loans Race/Ethnicity Closed Purchased # # % Not Applicable 2,065 25.7% 707 34.2% 776 37.6% 170 8.2% 412 20.0% Joint Hispanic 232 2.9% 83 35.8% 105 45.3% 32 13.8% 12 5.2% and Non- Hispanic Hispanic 2,295 28.6% 710 30.9% 1,163 50.7 ° 287 12.5°k 135 5.9% Not-Hispanic Groups Native 50 0.6% 7 14.0% 34 68.0% 4 8.0% 5 10.0% American Asian 277 3.5% 95 34.3% 121 43.7% 38 13.7% 23 8.3% Black 417 5.2% 104 24.9% 268 64.3% 38 9.1% 7 1.7% Pac Islander 55 0.7% 10 18.2% 37 67.3% 8 14.5% 0 0.0% White 2,491 31.0% 976 39.2% 980 39.3% 361 14.5% 174 7.0% 2 or More 11 0.1% 2 18.2% 6 54.5% 3 27.3% 0 0.0% Minoru Joint 67 0.8% 23 34.3% 32 47.8% 9 13.4°k 3 4.5% NotA licable 67 0.8% 23 34.3% 23 34.3% 19 28.4% 2 3.0% Total 8,027 100.0% 1 2,740 34.1% 3,545 44.2% 969 12.1% 773 9.6% Source:HMDA data,2008. Note:Applicants who fled joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applicstions. Table C-1 0: Comparison of Government Backed Loans, 2003 and 2008 Loan Type Total Approved Denied Withdrawn Loan Purchased or Closed ' Appendix C: County HMDA Tables C-4 City of San Bernardino Analysis of Impediments to Fair Housing Choice # % % % % 2003 Conventional Home Purchase 95,009 56.3°k 11.7% 9.6% 22.4%° FHA Home Purchase 14,635 42.7% 6.2% 7.7% 43.5% 2008 Conventional Home Purchase 29,134 47.2% 17.2% 11.6% 23.9% FHA Home Purchase 18,119 47.3% 10.3% 8.9% 1 33.6% Source:HMDA data.2003 and 2008. Institutions Table C-1 1: Disposition of Conventional Home Mortgage Loan Applications by Lending 11 Total Approved Denied Withdrawn Lender or Closed Market # % # % # % Share Countrywide Home 35,582 8.9% 13,116 36.9% 943 2.7% 2,568 7.2% Loans Washington Mutual 23,123 5.8% 11,424 49.4% 2,980 12.9% 800 3.5% Bank,FA Wells Fargo Home 17,763 4.5% 15,208 85.6% 1,422 8.01% 446 2.5% Mortgage GMAC Mortgage 15,390 3.9% 7,342 47.7% 3,090 20.08% 3,156 20.5% Corporation Bank of America,N.A. 14,866 3.7% 9,393 63.2% 2,445 16.5% 873 5.9% Ameriquest Mortgage 12,075 3.0% 1,465 12.1% 4,308 35.7% 6,302 52.2% Company Chase Manhattan 9,834 2.5% 5,035 51.2% 772 7.9% 481 4.9% Mort a e Corp First Franklin 8,393 2.1% 7,286 86.8% 926 11.0% 176 2.1% Financial Corp Citimort a e,Inc 8,049 2.0% 1,920 23.9% 208 2.6% 579 7.2% Wells Faro Funding 7,740 1.9% 134 1.7% 23 0.3% 3 <0.1% Total(Market share of 152,815 38.3% 72,323 47.3% 17,117 11.2% 15,384 10.1% To Ten Lenders Total All Lenders 398,885 100.0% 212,406 53.2% 55,987 14.0% 51,560 12.9% (Entire Market) Source:HMDA data,2003. Note: Total Applications includes the follovring types of loans,which are not represented in the table nor in the other tables of HMDA data:purchased,preapproval denied, preapprovat approved not accepted and missin linvalid data. Table Disposition of • •nal Home Mortgage •. Applications by • • Institutions 11' Total Applications Approved Denied withdrawn Lender or Closed # Share # % # % # % Countrywide Home 15,264 13.1% 5,261 34.5% 1 2,555 16.7% 1,635 1 10.7% Loans Appendix C: County HMDA Tables C-5 City of San Bernardino Analysis of Impediments to Fair Housing Choice JPMorgan Chase Bank, 9,197 7.9% 1,668 18.1% 1,333 14.5% 235 2.6% 4 N.A. Wells Faro Bank,N.A. 7,093 6.1% 4,141 58.4% 1,670 23.5% 1,260 17.8% Bank of America,N.A. 6,624 5.7% 3,642 55.0% 1,927 29.1% 645 9.7% Citimort a e,Inc 5,459 4.7% 841 15.4% 496 9.1% 648 11.9% HFC Company LLC 4,922 4.2% 105 2.1% 4,237 86.1% 580 11.8% GMAC Mortgage LLC 4,548 3.9% 577 12.7% 986 21.7% 1,475 32.4% Wachovia Mortgage 2,918 2.5% 764 26.2% 1,005 34.4% 454 15.6% FSB Wells Fargo Funding, 2,147 1.8% 24 1.1% 15 0.7% 6 0.3% Inc Mountain West 2,136 1.8% 1,671 78.2% 201 9.4% t1415212.5% Financial,Inc Total(Market Share of 60,308 51.8% 18,694 31.0% 14,425 23.9% To Ten Lenders Total All Lenders 116,404 100.0% 46,739 40.2% 30,759 26.4% (Entire Market) Source:HMDA data 2008. Note: Total Applications includes the following types of loans,which are not represented in the table nor in the other tables of HMDA data:purchased oreapproval denied,pmapproval approved not accepted and missin finvalid data. Table Lender Lender Name Ratin Ratin Institution Year Countrywide Home Loans Needs to Improve FDIC 1992 JPMor an Chase Bank, N.A. Outstanding OCC 2007 HFC Company LLC N/A N/A 2009 Bank of America,N.A. Outstanding OCC 2001 Citimort a e, Inc Outstanding OTS 2004 Wells Faro Bank,N.A. Outstanding OCC 1998 GMAC Mortgage LLC Outstanding FDIC 2005 Wachovia Mortgage FSB Outstanding OTS 2005 Mountain West Financial, Inc Satisfactory OCC 2008 Wells Far o Fundin , Outstanding OCC 2004 Source:FFIEC Intera en ,Inc RA Rating Search, htt :IMnvw.ffiec. ovleraratin sldefautLas x,Accessed Februa 5,2009. V Appendix C: County HMDA Tables C-6 City of San Bernardino Analysis of Impediments to Fair Housing Choice Type of Loan Loans Percent of Loans Purchased" Purchased Asian Black Hispanic White Conventional 6,959 18.1% 14.7% 13.8% 14.8% Purchase Conventional 773 8.3% 1.7% 5.9% 7.0% Improvement Conventional 8,887 11.8% 7.5% 8.9% 10.0% Refinance FHA Purchase 4,373 26.6% 24.8% 29.9% 30.5% FHA 27 50.0% 16.7% 26.7% 18.6% Improvement FHA Refinance 545 4.7% 11.5% 12.8% 16.0% '=Percentages may not equal 100 percent since total loans purchased also includes other race categories not displayed in table. Source:Home Mortgage Disclosure Act HMDA Data,2008. RacelEthnicit Total Approved Denied Withdrawn or Loans Closed Purchased y Hispanic 51,612 20.6% 30,166 58.4 9,038 17.5 6,884 13.3 5,524 10.7 % % % Not-Hispanic Grou s Native 986 0.4% 520 52.7 171 17.3 155 15.7 140 14.2 American % % % Asian 10,660 4.2% 6,979 65.5 1,309 12.3 1,093 10.3 1,279 12.0 Black 10,821 4.3% 6,005 55.5 2,247 20.8 1,601 14.8 968 8.9% White 85,684 34.1% 53,543 62.5 10,26 12.0 10,33 12.1 11,54 13.5 % 3 % 4 % 4 % Joint 8,314 3.3% 5,463 65.7 990 11.9 923 11.1 938 11.3 Other 8,186 3.3% 2,903 35.5 2,706 33.1 2,160 26.4 417 5.1% Not 74,768 29.8% 28,561 36.2 10,94 14.6 13,17 17.6 22,08 29.5 Applicable % 0 % 8 % 9 % Total 251,03 100.0 134,14 53.4 37,66 15.0 36,32 14.5 42,89 17.1 1 % 0 % 4 % 8 % 9 % Source:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications. Appendix C: County HMDA Tables C-7 City of San Bernardino Analysis of Impediments to Fair Housing Choice Race/Ethnicity Total Approved Denied Withdrawn or Loans Closed Purchased Not 12,483 23.3% 3,276 26.2% 2,683 21.5% 1,456 11.7% 5,068 40.6% Applicable Joint Hispanic 1,471 2.7% 511 34.7% 661 44.9% 199 13.5% 100 6.8% and Non- Hispanic Hispanic 15,208 284% 5,285 34.8% 6,574 43.2% 2,002 13.2% 1,347 8.9% Not-Hispanic Groups Native 161 0.3% 54 33.5% 80 49.7% 22 13.7% 5 3.1% American Asian 2,244 4.2% 889 39.6% 695 31.0% 396 17.6% 264 11.8% Black 2,534 4.7% 663 26.2% 1,324 52.2% 358 14.1% 189 7.5% Pacific 273 0.5% 90 33.0% 115 42.1% 45 16.5% 23 8.4% Islander White 17,866 33.4% 7,781 43.6% 5,691 31.9% 2,600 14.6% 1,794 10.0% Joint 462 0.9% 185 40.0% 183 39.6% 63 13.6% 31 6.7°k 2 or more 51 0.1% 4 7.8% 37 72.5% 9 17.6% 1 2.0% minori[ Not 744 1.4% 286 38.4% 257 34.5% 136 18.3% 65 8.7°k Applicable Total 537497 f 100.0% 19,024 35.6% 18,300 34.2% 7,286 13.6% 8,887 16.6% Source:HMDA data,2008. Note:Applicants who fled joint applications can be of different racial backgrounds:however,HMDA data does not provide means of idenfi ing the racial backgrounds ojoint a lications. Appendix C: County HMDA Tables C-8 1 RESOLUTION NO. COM © 2 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY 3 OF SAN BERNARDINO APPROVING THE 2010-2011 CONSOLIDATED ANNUAL ACTION PLAN PERTAINING SOLELY TO THE HOME 4 PROGRAM APPROPRIATIONS/CATEGORIES; AND AUTHORIZING THE CITY MANAGER TO EXECUTE ANY AND ALL HUD CONTRACTS OR 5 DOCUMENTS AS PER HUD REGULATIONS 6 WHEREAS, the City of San Bernardino (the "City") is an entitlement city and eligible to 7 participate in the United States Department of Housing and Urban Development's ("HUD") 8 HOME Program for Program Year 2010-2011; and 9 WHEREAS, the Mayor and Common Council of the City of San Bernardino desire to 10 execute contracts to provide a variety of HOME activities through certain public service agencies 11 for the 2010-2011 HOME Program Year; and 12 WHEREAS, the Mayor and Common Council desire to execute contracts to provide a 13 variety of community services through certain public service agencies for the 2010-2011 HOME 14 Program Year. 15 NOW, THEREFORE, IT IS HEREBY RESOLVED, DETERMINED AND ORDERED BY 16 THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, AS 17 FOLLOWS: 18 Section 1. The Mayor and Common Council hereby approve the appropriations and 19 recommendations set forth in Attachment IV of the Staff Report for the City Council meeting of 20 May 3, 2010, submitted herewith. The Mayor and Common Council otherwise hereby approve the 21 22 appropriations and recommendations set forth in Attachment IV pertaining to the allocation of 23 2010-2011 HOME Funds, attached hereto and by this reference made a part hereof. 24 Section 2. The Mayor and Common Council hereby approve the 2010-2011 25 Consolidated Annual Action Plan as it pertains solely to the HOME Program 26 appropriations/categories as such Annual Action Plan is attached hereto as Attachment VI and by ®27 this reference made a part hereof. 28 Section 3. The City Manager is authorized, on behalf of the City, to execute and submit to HUD, all appropriate documents and to take all necessary actions to implement the City's 2010- 1 P:U�eMssVtcoWtbnvUtuolmiowQ0IOW5.03.10 MD Ra MCC Rsw B&c 4 4 4 1 2011 Annual Action Plan, including, but not limited to, the preparation and execution of HOME 2 standard agreements with the respective public service agencies, as prepared and approved by the 3 City Attorney, a copy of the form of such HOME standard agreement is on file with the City Clerk, 4 and incorporated herein by reference as though fully set forth at length. 5 Section 4. This Resolution shall take effect upon its adoption and execution in the 6 manner as required by the City Charter. 7 8 9 10 12 13 14 © 15 16 17 18 19 20 21 22 23 24 25 26 ©27 28 2 P'.Ug� wolutions wlmnmWI0 "3-10 CDBG Rx MCC Ruo B.EOc 1 I RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE © CITY OF SAN BERNARDINO APPROVING THE 2010-2011 2 CONSOLIDATED ANNUAL ACTION PLAN PERTAINING SOLELY TO 3 THE HOME PROGRAM APPROPRIATIONS/CATEGORIES; AND AUTHORIZING THE CITY MANAGER TO EXECUTE ANY AND ALL 4 HUD CONTRACTS OR DOCUMENTS AS PER HUD REGULATIONS 5 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and 6 Common Council of the City of San Bernardino at a meeting 7 thereof,held on the day of 2010,by the following vote to wit: 8 9 Council Members: Ayes Nays Abstain Absent 10 MARQUEZ — 11 DESJARDINS 12 BRINKER — 13 SHORETT — ® 14 KELLEY 15 JOHNSON 16 MC CAMMACK 17 18 Rachel G. Clark, City Clerk 19 20 The foregoing resolution is hereby approved this day of 12010. 21 Patrick J. Moms, Mayor 22 City of San Bernardino 23 Approved as to orm: 24 25 By: 402- 26 J s P. Penman, City Attorney Q27 28 3 P:UgmEazVfcol imslR [Wi UOIM"3-10 MBG Ra MCCR BMc 4 4 4 1 ATTACHMENT N 2 3 Recommended 2010-2011 HOME Allocation Amount 4 5 HOME Administration (10%) $169,838 6 HOME to Qualified Community Housing Dev Org. (15%) $254,757 Homebuyer Assistance Program and Education $480,000 7 CHDO Operations and Capacity Building (5%) $84,919 8 Other Housing Programs/Activities $708,870 9 TOTAL HOME FUNDING $1,698,384 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 ©27 28 4 P UB<ndaz Glutmm9 uolmi UOIO S-03-10 CDBG Rtt MCC Rao Bdoa I 4 4 1 RESOLUTION NO. COM © 2 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE 3 CITY OF SAN BERNARDINO APPROVING THE 2010-2011 CONSOLIDATED ANNUAL ACTION PLAN AS IT PERTAINS SOLELY 4 TO THE ALLOCATION OF COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) AND EMERGENCY SHELTER GRANT (ESG) FUNDS 5 TO TIME FOR CHANGE FOUNDATION AND HOME OF NEIGHBORLY 6 SERVICES 7 WHEREAS, the City of San Bernardino ("City") is an entitlement city and eligible to 8 participate in the United States Department of Housing and Urban Development's ("HUD") 9 Community Development Block Grant ("CDBG") and Emergency Shelter Grant ("ESG") 10 Programs for Program Year 2010-2011; and 11 WHEREAS, the Mayor and Common Council desire to submit to HUD, the City 12 Consolidated Annual Action Plan for 2010-2011 program year. 13 NOW, THEREFORE, IT IS HEREBY RESOLVED, DETERMINED AND ORDERED BY 14 THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, AS 15 FOLLOWS: 16 Section 1. The Mayor and Common Council of the City of San Bernardino hereby 17 approve the recommendation noted in Attachments II and III to the May 3, 2010, Staff Report 18 pertaining to the allocation of 2010-2011 CDBG and ESG Funds, to Time for Change Foundation 19 and Home of Neighborly Services, Inc. ("Provider") and the 2010-2011 Consolidated Action Plan 20 as said Staff Report and Attachments 11 and III are attached to this Resolution and by this reference 21 made a part hereof. 22 Section 2. The City Manager is hereby authorized to execute, on behalf of the City, and 23 submit to HUD, all appropriate documents and to take all necessary actions, but not limited to the 24 preparation and execution of CDBG and ESG Agreements with the respective Provider, as 25 prepared and approved by the City Attorney, a copy of the standard form CDBG and ESG 26 Agreements are on file with the City Clerk, and incorporated herein by reference as though fully set © 27 forth at length. 28 1 P'�en \Reeolutions%RCSIWu wS010b5-0110 MW Rc MCC Reso C.00c 4 4 1 Section 3. This Resolution shall take effect upon its adoption and execution in the 2 manner as required by the City Charter. 3 4 5 6 7 8 9 10 11 12 13 Q14 15 16 17 18 19 20 21 22 23 24 25 26 C27 28 i 2 4 O 4 �- 1 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO APPROVING THE 2010-2011 2 CONSOLIDATED ANNUAL ACTION PLAN AS IT PERTAINS SOLELY 3 TO THE ALLOCATION OF COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) AND EMERGENCY SHELTER GRANT (ESG) FUNDS 4 TO TIME FOR CHANGE FOUNDATION AND HOME OF NEIGHBORLY SERVICES 5 6 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and 7 Common Council of the City of San Bernardino at a meeting 8 thereof,held on the day of 2010, by the following vote to wit: 9 Council Members: Aves Nays Abstain Absent 10 MARQUEZ — 11 DESJARDINS 12 BRINKER 13 SHORETT 14 KELLEY 15 JOHNSON — 16 MC CAMMACK _ 17 18 Rachel G. Clark, City Clerk 19 The foregoing Resolution is hereby approved this day of 2010. 20 21 Patrick J. Morris, Mayor City of San Bernardino 22 Approved as to Form: I 23 24 By. i James F. Penman, City Attorney 25 26 27 28 3 4 4 0 1 ATTACHMENT II 2 2010/11 Community Development Block Grant *New Proposal 3 A. CDBG Subiectto Public Service Cap Amount 4 1. Al Shifa Clinic, Inc. $15,000 2. Asian American Resource Center $15,000 5 3. Assistance League of San Bernardino $12,000 4. Boys & Girls Club of Redlands $5,000 6 5. Boys & Girls Club of San Bernardino $15,000 6. Central City Lutheran Mission $12,000 7 7. Child Advocates of SB County $12,000 8. Children's Fund, Inc. $12,000 8 9. Frazee Community Center $12,000 10. Gang Reduction Intervention Team $15,000 9 11. Highland District Council $15,000 12. Home of Neighborly Service $15,000 10 13. Inland AIDS Project $10,000 14. Knotts Family and Parenting Inst. $12,000 11 15. Legal Aid of San Bernardino $12,000 16. Lorine's Learning Academy $10,000 12 17. Mary's Mercy Center $15,000 13 18. Option House, Inc. $15,000 19. Project Life Impact, Inc. $10,000 14 20. San Bernardino Medical Center* $10,000 21. San Bernardino National Forest Assoc. $15,000 15 22. San Bernardino Sexual Assault Services $12,000 23. Santa Claus, Inc.,* $10,000 16 24. Sinfonia Mexicana, $10,000 25. St. John's Community Success Center $12,000 17 26. Time for Change Foundation $15,000 27. YMCA of San Bernardino $12,000 18 28. Youth Action Project 1$ 5,000 TOTAL PUBLIC SERVICES $350,000 19 B. General Proposed Projects-City/EDA Amount 20 1 City Code Enforcement $1,727,646 2 City Fire Department Leases $445,698 21 3 National Development Corporation $50,000 4 Fair Housing (Mandatory-Subject to Public Service Cap) $53,000 22 5 Section 108 $410,000 23 6 Target Area Street Improvements $464,417 7 Other Public Services $127,722 24 8 CDBG Administration, $210,000 9 Unallocated Program Contingency 5$ 3.000 25 TOTAL PROPOSED CITY PROJECTS $3,541,483 26 TOTAL CDBG ALLOCATION $3,891,483 27 28 4 R C 6 R MCC Refs C drc Q 1 ATTACHMENT III 2 Recommended 2010-2011 ESG Allocations 3 A. Emergency Shelter Service Providers 09/10 10-11 4 Organization Funding Allocation 5 1. Central City Lutheran Mission—(Operating Expenses)Central City Lutheran Mission (CCLM)opened its doors in 1996 as a community based organization working in the 6 central part of the City;provides transitional housing to homeless HIV clientele. CCLM also provides emergency shelter to men during the winter months.The $13,000 $15,823 7 organization collaborates with other community based organizations throughout the City and County.ESG funds will be utilized for operations of their facility located at 8 1354 North'G'Street. 9 2. Frazee Homeless Shelter—(Homeless Prevention) Frazee Community Center provides a homeless shelter for men. Most of Frazee's clients are homeless veterans 10 and up to 17 can be accommodated atone time. The shelter provides job search $14,000 assistance,transportation when needed and support groups are brought in for $12,660 11 counseling. Frazee also provides assistance in the areas of securing social security and Veterans benefits. 12 3. Mary's Mercy Center—(Essential Services)Mary's Mercy Center offers emergency 13 services to the homeless population that includes: food bags,emergency baby and $25,000 1 hygiene needs,and shower and laundry facilities. Mary's began providing $ 0,000 © 14 emergency showers in 1997. 15 4. Foothill AIDS—(Homeless Prevention)provides services to individuals who are HIV positive and either homeless or at risk of homelessness. Program will provide 16 housing services to assist individuals in obtaining shelter by finding access to $0 $16,800 permanent housing;identifying linkages to mainstream health and social service 17 program;and obtaining total self sufficiency. 18 S. Operation Grace—(Homeless Prevention)Operation Grace is a transitional women's shelter. Shelter occupants are provided with a bed, bedding,a dresser and some 19 closet space. The program is comprehensive and assists women in setting goals and following through on their goal setting. The shelter is staffed with a house manager, $8'989 $7,500 20 who is there to ensure compliance with daily activities and programs. A client can stay at the shelter for up to 3 months, providing that personal goals are being met. 21 6. Option House,Inc.-(Essential Services)Option House, Inc., provides transitional 22 shelter to females of domestic violence. Option House can accommodate up to 14 women and their children for up to 60 days. There is a resident in-house program $20,000 $10,000 23 that each client must complete. 24 25 26 27 28 5 4 4 4 1 Organization 09/10 10-11 �• Funding Allocation 2 7. Salvation Army—(Essential Services)Salvation Army Hospitality House provides a 3 full spectrum of homeless services that include:1) Shelter for women and children 365 nights a year;2)three meals a day for those living in the shelter;3)a nightly 4 meal for up to 100 additional people per day;4)laundry and shower facility;5) tutoring and after school programming for school aged children;5)job training and $60,000 5 placement counseling;6)a savings program whereby upon leaving the shelter,a $17,471 client has money for securing permanent housing;7)counseling to assure a stable 6 environment for those moving into their own homes;8)referrals to Travelers Aid and behavioral health providers;and,9)paramedics for emergency health care and 7 access to local clinics for other health care needs. S 8. Time for Change Foundation—(Essential Services)Time for Change began their transitional housing program in September 2002. This transitional facility is for 9 women who are exiting prison or on a drug rehabilitation program. Time for Change incorporated in October 2003 as a non-profit organization and expanded its service $15,000 $10,000 10 delivery to include full re-entry services to women and their children. Each participant is required to be in a program that will assist them in obtaining a job, 11 education and ultimately,independent living. TOTAL $100,254 12 13 Emergency Shelter Providers("A"Above) $100,254 ESG Administration $7,911 14 Rehabilitation/Renovation of Emergency Shelters $50,072 Total ESG Allocation $158,237 15 16 17 18 19 20 21 22 23 24 25 26 Q27 28 6 i O V I RESOLUTION NO. 0 PT 2 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE 3 CITY OF SAN BERNARDINO APPROVING THE 2010-2011 CONSOLIDATED ANNUAL ACTION PLAN AS IT PERTAINS SOLELY 4 TO THE ALLOCATION OF COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) FUNDS TO BOYS AND GIRLS CLUB OF SAN 5 BERNARDINO AND BOYS AND GIRLS CLUB OF REDLANDS 6 WHEREAS, the City of San Bernardino ("City") is an entitlement city and eligible to 7 participate in the United States Department of Housing and Urban Development's ("HUD") 8 Community Development Block Grant("CDBG") Program for Program Year 2010-2011; and 9 WHEREAS, the Mayor and Common Council desire to submit to HUD, the City 10 Consolidated Annual Action Plan for 2010-2011 program year. 11 NOW, THEREFORE, IT IS HEREBY RESOLVED, DETERMINED AND ORDERED BY 12 THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, AS 13 FOLLOWS: C 14 Section L The Mayor and Common Council of the City of San Bernardino hereby 15 approve the recommendation noted in Attachments II to the May 3, 2010, Staff Report pertaining 16 to the allocation of 2010-2011 CDBG Funds, to Boys and Girls Club of San Bernardino and Boys 17 and Girls Club of Redlands ("Provider") and the 2010-2011 Consolidated Action Plan as said Staff 18 Report and Attachment II is attached to this Resolution and by this reference made a part hereof. 19 Section 2. The City Manager is hereby authorized to execute, on behalf of the City, and 20 submit to HUD, all appropriate documents and to take all necessary actions, but not limited to the 21 preparation and execution of CDBG Agreements with the respective Provider, as prepared and 22 approved by the City Attorney, a copy of the standard form CDBG Agreements are on file with the 23 City Clerk, and incorporated herein by reference as though fully set forth at length. 24 Section 3. This Resolution shall take effect upon its adoption and execution in the 25 manner as required by the City Charter. 26 ©27 28 1 vno.,max..m �.axa.m,m.azmnms-m-inrnnr.xK mcr a«,n e- 3 1 i i V 1 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO APPROVING THE 2010-2011 2 CONSOLIDATED ANNUAL ACTION PLAN AS IT PERTAINS SOLELY 3 TO THE ALLOCATION OF COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) FUNDS TO BOYS AND GIRLS CLUB OF SAN 4 BERNARDINO AND BOYS AND GIRLS CLUB OF REDLANDS 5 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and 6 7 Common Council of the City of San Bernardino at a meeting 8 thereof,held on the day of 2010,by the following vote to wit: Council Members: Ayes Nays Abstain Absent 9 10 MARQUEZ — DESJARDINS 11 BRINKER 12 SHORETT — 13 KELLEY — © 14 JOHNSON — 15 MC CAMMACK 16 17 Rachel G. Clark, City Clerk 18 The foregoing Resolution is hereby approved this day of 2010. 19 20 Patrick J. Morris, Mayor 21 City of San Bernardino Approved as to Form: 22 23 By: 24 Jam .'Pe an, City Attorney 25 26 C27 28 2 R j�' 9 I i 1 i i I i 'I i i 1 ATTACHMENT II 2 2010/11 Community Development Block Grant *New Proposal 3 A. CDBG Subject to Public Service Cap Amount 4 1. At Shifa Clinic, Inc. $15,000 2. Asian American Resource Center $15,000 5 3. Assistance League of San Bernardino $12,000 4. Boys & Girls Club of Redlands $5,000 6 5. Boys & Girls Club of San Bernardino $15,000 6. Central City Lutheran Mission $12,000 7 7. Child Advocates of SB County $12,000 8. Children's Fund, Inc. $12,000 g 9. Frazee Community Center $12,000 10. Gang Reduction Intervention Team $15,000 9 11. Highland District Council $15,000 12. Home of Neighborly Service $15,000 10 13. Inland AIDS Project $10,000 14. Knotts Family and Parenting Inst. $12,000 11 15. Legal Aid of San Bernardino $12,000 16. Lorine's Learning Academy $10,000 12 17. Mary's Mercy Center $15,000 13 18. Option House, Inc. $15,000 19. Project Life Impact, Inc. $10,000 14 20. San Bernardino Medical Center* $10,000 21. San Bernardino National Forest Assoc. $15,000 15 22. San Bernardino Sexual Assault Services $12,000 23. Santa Claus, Inc.,* $10,000 16 24. Sinfonia Mexicana, $10,000 25. St. John's Community Success Center $12,000 17 26. Time for Change Foundation $15,000 27. YMCA of San Bernardino $12,000 18 28. Youth Action Project $15,000 TOTAL PUBLIC SERVICES $350,000 19 B. General Proposed Projects-Citv/EDA Amount 20 1 City Code Enforcement $1,727,646 2 City Fire Department Leases $445,698 21 3 National Development Corporation $50,000 4 Fair Housing (Mandatory-Subject to Public Service Cap) $53,000 22 5 Section 108 $410,000 23 6 Target Area Street Improvements $464,417 7 Other Public Services $127,722 24 8 CDBG Administration, $210,000 9 Unallocated Program Contingency $53,000 25 TOTAL PROPOSED CITY PROJECTS $3,541,483 26 TOTAL CDBG ALLOCATION $3,891,483 C27 28 a 1 I RESOLUTION NO. 2010-100 2 3 RESOLUTION OF THE MAYOR AND COMMON COUNC OF THE CITY OF SAN BERNARDINO: 1) APPROVING T 2010-2011 4 COMMUNITY DEVELOPMENT BLOCK GRANT DBG) AND 5 EMERGENCY SHELTER GRANT (ESG) ROPRIATIONS (EXCLUDING ANY REFERENCE TO THE ALLO ATION OF CDBG 6 AND ESG FUNDS FOR THE BOYS AND GI S CLUB OF SAN BERNARDINO, BOYS AND GIRLS CLUB OF DLANDS, TIME FOR 7 CHANGE FOUNDATION, AND HOME OF IGHBORLY SERVICE, 8 INC. ); 2) APPROVING THE FIVE-YEAR 10-2015 CONSOLIDATED PLAN, THE ONE-YEAR 2010-2011 CON LH)ATED ANNUAL PLAN 9 AND THE 2010-2015 ANALYSIS IMPEDIMENTS (AI); 3) APPROVING THE PROPOSED RE OCATION OF 2005-2009 CDBG 10 FUNDS; AND 4) AUTHORIZING T CITY MANAGER TO EXECUTE AND SUBMIT TO HUD APPROP TE DOCUMENTS AND TAKE ALL 11 NECESSARY ACTIONS FOR TH EXECUTION OF PUBLIC SERVICE CONTRACTS 13 14 WHEREAS, the City of San mardino ("City") is an entitlement city and eligible to participate in the United States D artment of Housing and Urban Development's ("HUD") 15 Community Development Block t ("CDBG"), HOME and Emergency Shelter Grant ("ESG") 16 Programs for Program Year 2010-2011; and 17 18 WHEREAS, the M7ity's r and Common Council of the City of San Bernardino ("Council") desire to submit to HUD th 19 Consolidated Plan 2010-2015 and Consolidated Annual Action Plan 2010-2011;and 20 WHEREAS, th Council desires to execute Contracts to provide a variety of community 21 22 services with certain public service agencies for the 2010-2011 CDBG and ESG Program Year; and 23 WHEREAS, the Council desires to approve the Five-Year Analysis of Impediments (AI) to Far Housing Choice; and 24 / 25 WHEREAS, the Council desires to reallocate 2005-2009 CDBG Funds as provided in the Staff Report. 26 27 NOW, THEREFORE, IT IS HEREBY RESOLVED, DETERMINED AND ORDERED BY 28 THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, AS FOLLOWS: P CDBGR MCC Reno AEtt 1 2010-100 1 Section 1. That the Mayor and Common Council hereby approve the Community 2 Development Citizen Advisory Committee (CDCAC), Redevelopment Committee and Staff 3 recommendations noted in Attachment II and III to the May 3, 2010 Staff Report pertaining to the 4 allocation of 2010-2011 CDBG Funds and Emergency Shelter (ESG) Grant and the 2005-2009 5 CDBG reallocation recommendations contained in the Staff Report dated ay 3, 2010. 6 Section 2. That the Mayor and Common Council he by approve the 2010-2011 7 Consolidated Annual Action Plan as attached hereto. 8 Section 3. That the Mayor and Common Co cil hereby approve the 2010-2015 9 Consolidated Plan and Analysis of Impediments (AI) a ched hereto and incorporated herein by 10 reference as though fully set forth at length with exclusions of Boys and Girls Club San 11 Bernardino, Boys and Girls Club of Redlands, ime for Change Foundation, and Home of 12 Neighborly Service, Inc. 13 Section 4. That the City Manage is authorized to execute and submit to the U.S. 14 Department of Housing and Urban Develo ent (HUD) all appropriate documents and to take all 15 necessary actions to implement the City's 010-2015 Consolidated Plan, 2010-2011 Annual Action 16 Plan, and 2010-2015 Analysis of Impe ' ents to Fair Housing Choice including, but not limited to, 17 the preparation and execution of CD G and ESG standard Agreements with the respective public 18 service agencies,as prepared and ap roved by the City Attorney, a copy of which is on file with the 19 Agency Secretary, and incorporate herein by reference as though fully set forth at length. 20 Section 5. This Resol tion shall take effect upon its adoption and execution in the 21 manner as required by the City C er. 22 23 24 25 26 27 28 Pl4gaoEaaVtcwWionaV4soMimul010b5-03-IO LVBf.R�tat•O e....a e... 2 2010-100 1 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY 2 OF SAN BERNARDINO: 1) APPROVING THE 2010-2011 COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) AND EMERGENCY SHELTER 3 GRANT (ESG) APPROPRIATIONS (EXCLUDING ANY REFERENCE TO THE ALLOCATION OF CDBG AND ESG FUNDS FOR THE BOYS AND q GIRLS CLUB OF SAN BERNARDINO, BOYS AND GIRLS CLUB OF REDLANDS, TIME FOR CHANGE FOUNDATION, AND HOME OF 5 NEIGHBORLY SERVICE, INC. ); 2) APPROVING THE FIVE-YEAR 2010- 6 2015 CONSOLIDATED PLAN, THE ONE-YEAR 2010-2011 CONSOLIDATED ANNUAL PLAN AND THE 2010-2015 ANALYSIS OF IMPEDIMENTS (AI); 7 3) APPROVING THE PROPOSED REALLOCATION OF 2005-2009 CDBG FUNDS; AND 4) AUTHORIZING THE CITY MANAGER TO EXECUTE 8 AND SUBMIT TO HUD APPROPRIATE DOCUMENTS AND TAKE ALL NECESSARY ACTIONS FOR THE EXECUTIOOOF PUBLIC SERVICE 9 CONTRACTS 10 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and II Common Council of the City of San Bernardi o at a meeting 12 thereof, held on the day f Y , 2010, by the following vote to wit: 13 Council Members A es ays Abstain Absent 14 MARQUEZ 15 DESJARDINS _ 16 BRINKER — 17 SHORETT 18 KELLEY 19 JOHNSON 20 MC CAMMACK 21 22 Rachel G. Clark, City Clerk 23 The foregoing Res lution is hereb y approved this day of , 2010. 24 25 Patrick J. Morris, Mayor 26 Approved as to Form: City of San Bernardino 27 28 By: TJatae �r [� ».,r�y V . �l•�a� S�s� eaYh�il P:WgeMaalitewlmionsBteeolmions @OINASLJ-10 CDBG Bm MCC Rem Ad., 3 City of San Bernardino 2010-2015 Consolidated Plan April 2010 City of San Bernardino Economic Development Agency 201 North E Street, Suite 301 San Bernardino, CA 92401 (P) (909) 663-1044 (F) (909) 888-9413 I, i City of San Bernardino 2010-2015 Consolidated Plan Table of Contents Chapter1: Introduction............................................................................................................1 A. Planning Frameworks............................................................................................1 B. Program Descriptions............................................................................................1 C. Lead Agency .........................................................................................................3 D. Data Sources.........................................................................................................3 Chapter 2: Citizen Participation Process.................................................................................5 A. Community Outreach Meeting...............................................................................5 B. Community Survey................................................................................................6 C. Community Meeting to Review the Consolidated Plan..........................................6 D. Public Hearing.......................................................................................................6 E. Draft Consolidated Plan Availability for Public Review..........................................6 Chapter3: Community Needs.................................................................................................9 A. Household Needs..................................................................................................9 B. Market Conditions ...............................................................................................38 C. Barriers to Affordable Housing ............................................................................44 D. Community Development Needs.........................................................................52 Chapter 4: Housing and Community Development Strategic Plan .......................................59 A. Overall Strategic Theme......................................................................................59 B. Housing Needs....................................................................................................67 C. Community Development and Supportive Services............................................72 D. Public Improvements and Community Facilities..................................................78 E. Economic Development and Anti-Poverty...........................................................83 F. Planning and Administration................................................................................87 G. Lead Based Paint Reduction Strategy ................................................................87 H. Overcoming Barriers to Affordable Housing........................................................87 1. Institutional Structure...........................................................................................89 J. Coordination........................................................................................................90 K. Monitoring............................................................................................................90 Table of Contents Pagei City of San Bernardino 2010-2015 Consolidated Plan List of Tables Table 1: Persons by Age San Bernardino-2000 and 2008 .................................................11 Table 2: San Bernardino City/County Employment by Occupation-2008...........................12 Table 3: Major Employers in San Bernardino - 2008............................................................12 Table 4:Annual Average Unemployment Rate -2008 .........................................................13 Table 5: San Bernardino City/County Household Type and Size-2008..............................13 Table 6: San Bernardino City/County Overcrowding - 2008.................................................14 Table 7: San Bernardino Overcrowding by Tenure Type- 2008 ..........................................14 Table 8: San Bernardino Race or Ethnicity-2000 and 2008................................................15 Table 9: Race and Ethnicity by Person and Household—2008............................................15 Table 10: HUD Income Definitions........................................................................................16 Table 11: Household Income by Race/Ethnicity-2000........................................................19 Table 12: Licensed Community Care Facilities-2009 .........................................................19 Table 13: Elderly Profile-2000.............................................................................................20 Table 14: Low Income Senior Housing in the City of San Bernardino..................................21 Table 15: Senior Services in the City of San Bernardino......................................................21 Table 16: Disability Types found in Adult Civilian Population (Aged 18+)-2008.................24 Table 17: Large Household Profile-2000............................................................................24 Table 18: Housing Assistance Needs of Low and Moderate Income Households ...............27 Table 19: San Bernardino Disproportionate Needs..............................................................28 Table 20: Housing Survey Results........................................................................................29 Table 21: Homeless Partnerships.........................................................................................33 Table 22: Continuum of Care Housing Gaps Analysis San Bernardino County 2009..........34 Table 23: Federally Assisted Multi-Family Housing..............................................................378 Table 24: Housing Growth—2000 and 2009.....................................................................••.39 Table25: Housing Type - 2009............................................................................................. Table 26: Housing Tenure - 2008.........................................................................................39 Table 27: Median Home Prices -2009 .................................................................................40 Table 28: Housing Affordability-San Bernardino County - 2009.........................................41 Table 29: Age of Housing Stock-2008................................................................................42 Table 30: Housing Stock Deficiencies-2008.......................................................................42 Table 31: Number of Units with LBP Occupied by Low/Moderate Income Households.......43 Table 32: City of San Bernardino Schedule of Fees - 2009..................................................46 Table 34: Community Development Needs Survey Results.................................................54 Table 35: Estimated Annual Resources Available................................................................61 Table 36: Estimated Entitlement Five-Year Expenditures ....................................................61 Table 37: Five-Year Housing Needs and Priorities...............................................................64 Table 38: Priority Community Development Needs..............................................................65 Table 39: Priority Non-Homeless Special Needs..................................................................66 Table 40: Senior Rental Housing Development....................................................................71 Table 41: Redevelopment Agency Economic Development Activities..................................86 Table of Contents Page ii City of San Bernardino 2010-2015 Consolidated Plan List of Figures Figure1: Population Growth .................................................................................................10 Figure 2: Minority Concentrations.........................................................................................17 Figure 3: Low and Moderate Income Areas..........................................................................18 Table of Contents Page iii City of San Bernardino 2010-2015 Consolidated Plan Chapter 1 Introduction The Consolidated Plan is a planning document that identifies the City of San Bernardino's overall housing and community development needs, and outlines a strategy to address those needs. The Plan includes the following components: • An assessment of the City's housing and community development needs and market conditions; • A strategy that establishes priorities for addressing the identified housing and community development needs; and • A one-year investment plan that outlines the intended use of federal resources. A. Planning Frameworks The 2010-2015 Consolidated Plan for the City of San Bernardino satisfies the requirement of four Community Planning and Development (CPD) programs offered by the U.S. Department of Housing and Urban Development(HUD): • Community Development Block Grant(CDBG) • HOME Investment Partnership (HOME) • Emergency Shelter Grant (ESG) This 2010-2015 Consolidated Plan for the City covers the period of July 1, 2010 through June 30, 2015. B. Program Descriptions 1. Community Development Block Grant (CDBG) The CDBG program was initiated by the Housing and Community Development Act (HCDA) of 1974. The primary objective of this program is to develop viable urban communities by providing decent housing, a suitable living environment, and economic opportunities, principally for persons of low and moderate income. Through the CDBG program, HUD provides funds to local governments for a wide range of community development activities for low income persons. CDBG funds are likely the most flexible federal funds available to local governments. Funds can be used for a wide array of activities, including: • Housing rehabilitation (loans and grants to homeowners, landlords, non-profits, and developers) • Down payment and other homeownership assistance for first-time homebuyers • Lead-based paint detection and removal • Acquisition of land and buildings Chapter 1: Introduction Page 1 City of San Bernardino 2010-2015 Consolidated Plan • Construction or rehabilitation of public facilities such as shelters for the homeless and domestic violence victims • Removal of architectural barriers to the elderly and disabled • Public services such as job training, transportation, health care, and childcare • Rehabilitation of commercial or industrial buildings • Loans or grants to businesses • Grant administration Regulations governing the CDBG program require that each activity undertaken with CDBG funds meet one of the following three broad national objectives: • Benefit people with low and moderate incomes • Aid in the prevention or elimination of slums and blight • Meet an urgent need (such as an earthquake, flood, or hurricane relief) 2. HOME Investment Partnership (HOME) The HOME program was created as part of the 1990 National Affordable Housing Act. The HOME program provides federal funds for the development and rehabilitation of affordable rental and ownership housing for low and moderate income households. The program gives local governments the flexibility to fund a wide range of affordable housing activities through housing partnerships with private industry and non-profit organizations. HOME funds can be used for activities that promote affordable rental housing and homeownership by lower income households, including: • Building acquisition • New construction and reconstruction • Moderate or substantial rehabilitation • Homebuyer assistance • Tenant-based assistance • Grant administration Strict requirements govern the use of HOME funds. Two major requirements are that the funds must be: (1) used for activities that target lower income families; and (2) matched 25 percent by non-federal funding sources. 3. Emergency Shelter Grant (ESG) The Emergency Shelter Grant(ESG) program provides homeless persons with basic shelter and essential supportive services. ESG funds can be used for a variety of activities, including: • Rehabilitation or remodeling of a building used as a new shelter • Operations and maintenance of a facility • Essential support services (i.e. case management, physical and mental health treatment, substance abuse counseling, childcare) • Homeless prevention • Grant administration Chapter 1: Introduction Page 2 City of San Bernardino 2010-2015 Consolidated Plan ESG grant funds must be matched dollar-for-dollar with non-federal funds or "in-kind" contributions such as the value of a donated building, supplies and equipment, new staff services, and volunteer time. C. Lead Agency The City of San Bernardino's Economic Development Agency serves as the lead agency in coordinating the preparation of the Consolidated Plan. D. Data Sources The following data sources were used to complete this Consolidated Plan. Sources of specific information are identified in the text, tables and figures. • 1990 and 2000 U.S. Census • 2006-2008 American Community Survey and 2008 Community Survey' • California Employment Development Department • California Department of Fair Employment and Housing • California Department of Finance • California Department of Public Health • California Department of Social Services Community Care Licensing Division • Centers for Disease Control (CDC) • San Bernardino County Department of Behavioral Health • San Bernardino Unified School District Research and Statistical Department • U.S. Department of Housing and Urban Development(HUD) ' According to "American Community Survey —What Researchers Need to Know", the Census Bureau cautions the direct comparison between the American Community Survey (ACS) data and data from previous Censuses, particularly as it relates to income, age, and household characteristics, as different methodologies were used or questions were asked in collecting the sample. The most significant difference is that the 2000 Census is point-in-time data; whereas the ACS 2006-2008 is period data. The ACS was developed with a sample each year and data presented for 2006-2008 represents an averaging of the sampling results over three years. An issue with this methodology is that when conditions in 2006 were substantially different than in 2008, the averaging would "dilute" the data and therefore does not present an accurate picture of the conditions. For example, the housing market conditions in 2006 were almost a 180-degree turn compared to those in 2008. Averaging over these three years would not reflect the sharp change-in conditions. Therefore,2006-2008 ACS data in this report is used only as additional references. The 2008 ACS is also a period estimate, averaging estimates from the year 2008; this is the data that is predominantly used in this report to supplement data from the 2000 decennial Census. The 2008 ACS data provides an important update and snapshot of existing conditions. The federal government uses ACS information to evaluate the need for federal programs and to run those programs effectively,and so it is important to be consistent with those assumptions. However, please note that the ACS provides an estimate, not a 100 percent sampling of the population, and as such, there may therefore be a significant margin of error in some situations. Chapter 1: Introduction Page 3 City of San Bernardino 2010-2015 Consolidated Plan Chapter 2 Citizen Participation Process Citizen participation is one of the most important components of the Consolidated Plan process. This Consolidated Plan has been developed through a collaborative process including participation of residents, service providers, and City staff. This section outlines the efforts implemented by the City of San Bernardino Economic Development Agency to solicit community input in preparing the City's Five-Year Consolidated Plan. The following primary methods were used to solicit public input for the Consolidated Plan: • A community meeting was held on January 21, 2010 in the Economic Development Agency Board Room as part of the Community Development Citizens Advisory Committee meeting. At this meeting, participants were introduced to the Consolidated Plan process and discussed community needs and priorities. • A community survey, which assessed housing and community development needs, was distributed to San Bernardino residents. Surveys were made available in electronic and paper formats (in both English and Spanish), and distributed at community centers and public counters, on the City's website, and at the January 21, 2010 community meeting. A. Community Outreach Meeting On January 21, 2010, the City of San Bernardino held a community meeting to discuss priority housing and community development needs in the City. The City conducted extensive outreach to reach a broad cross-section of the community and to encourage attendance. In total, more than 15 residents and representatives of service provider agencies attended, in addition to the five City of San Bernardino Community Development Citizens Advisory Committee (CDCAC) members. Service providers that attended the Consolidated Plan community outreach meeting included: • A Servant's Heart Outreach • Apartment Association Greater Inland Empire • Central City Lutheran Mission • Inland Fair Housing & Mediation Board • OMNIP • Project Life Impact • St. John's Success Center • Time for Change • Universal Nursing Systems Chapter 2: Citizen Participation Process Page 5 City of San Bernardino 2010-2015 Consolidated Plan The CDCAC chaired the community meeting. Participants were introduced to the Consolidated Plan process through a presentation and asked to discuss community needs. The CDCAC and participants actively discussed issues, needs, and concerns in the community as related to the Consolidated Plan. A summary of the topics discussed is included in Chapter 3. An outline of meeting notes is included in Appendix A. B. Community Survey As part of the 2010-2015 Consolidated Plan, the City of San Bernardino conducted a Housing and Community Needs Survey to assess community issues and concerns in six needs categories: Community Facilities, Housing, Economic Development, Community Services, Infrastructure and Neighborhood Improvements, and Special Needs Services. The survey was provided in English and Spanish and was available in print at City Hall and online at the City's website. Overall, 143 residents and service providers representing San Bernardino residents responded to the Housing and Community Development Needs Survey. The survey questionnaires were made available at community centers and public counters and distributed at the January 21, 2010 community meeting. In addition, the survey was posted on the City's website in an online format. Approximately two percent of participants utilized the Spanish version of the survey. Nearly 11 percent of respondents were seniors, and approximately 10 percent indicated that they were disabled. Of participants who indicated their tenure, 24 percent rent their homes while 76 percent own. Appendix A provides a copy of the survey instrument and summary of survey results. C. Community Meeting to Review the Consolidated Plan On March 25, 2010, the draft Consolidated Plan will be reviewed as part of a CDCAC regular meeting. Invitations to attend the meeting were sent to neighborhood groups and service providers. Comments received during this meeting will be incorporated into Chapter 3 and Appendix A. D. Public Hearing On May 3, 2010 the City Council will conduct a public hearing to consider the Five-Year Consolidated Plan for adoption. Comments on the Consolidated Plan received during the public hearing will be incorporated into Chapter 3 and Appendix A. Public meetings and hearings were publicized adequately and held at times and locations that are convenient to the community. The location of the hearing at City Hall is accessible to persons with physical disabilities. E. Draft Consolidated Plan Availability for Public Review The Draft Consolidated Plan will be available for public review for a 30-day period beginning March 30, 2010 and ending April 28, 2010. The Draft Plan will be available at the San Chapter 2: Citizen Participation Process Page 6 City of San Bernardino 2010-2015 Consolidated Plan Bernardino City Hall public counter and the following public libraries: Norman F. Feldheym Central Library, Dorothy Inghram Branch Library, Howard M. Rowe Branch Library, and Paul Villasenor Branch Library. Comments received during the public review period will be incorporated into Appendix A. Chapter 2: Citizen Participation Process Page 7 City of San Bernardino 2010-2015 Consolidated Plan Chapter 3 Community Needs Chapter 3 of the City of San Bernardino 2010-2015 Consolidated Plan presents an overall assessment of the housing and community development needs in the City of San Bernardino. This needs assessment provides the foundation for establishing priorities and allocating federal, state, and local resources to address the identified needs. A. Household Needs Examination of demographic characteristics provides insight regarding the needs in a community. Understanding factors such as population growth, age characteristics, and race/ethnicity all help with the identification and evaluation of the need for housing, facilities, and services. 1. Demographic and Household Characteristics and Trends As the County seat of San Bernardino County, the City of San Bernardino encompasses approximately 60 square miles along the foothills of the San Bernardino Mountains. It is a general law city incorporated in 1854, making it one of California's oldest communities. The City of San Bernardino is one of San Bernardino County's principal cultural and business centers. The area evolved from a semi-rural farming community to an enterprise city with large railroad companies. Its current economy is primarily based upon government, retail commercial businesses, manufacturing, and logistics. Population Growth An important factor in determining the current and future needs for housing and other community services is population growth. Documented population figures from 1980 to 2005 and projected population growth figures from 2010 to 2035 are shown in Figure 1. The City of San Bernardino experienced its largest increase in population from 1985 to 1990, when the population increased by 20 percent. A trend of population increase has continued since, but percentage has declined; projected population growth is expected to be modest but steady. Chapter 3: Community Needs Page 9 City of San Bernardino 2010-2015 Consolidated Plan Figure 1: Population Growth s�9,660 36 515 9 24M / 16 VA a e m eta O att / C 1 161 O D 150.000 1 Lm0 11 AW qr AO 00,000 1960 1965 1990 1995 1000 A05 a110 aH5 AA AE IDS a135 Year The California Department of Finance estimates that in 2009, the population of San Bernardino was 204,483, making it the most populated city in San Bernardino County. Population growth projections for San Bernardino (Figure 1) anticipate that the City's population will steadily increase at an average rate of 4.75 percent every five years, with a resulting 2035 population estimate of 265,515. The overall percentage growth of San Bernardino from 2010 to 2020 is projected to be around 10.45 percent, a relatively low estimate compared to other surrounding cities, such as Colton (22.21 percent). Age Composition The age structure of a population informs current and future levels and types of housing needs. The age structure is the distribution of a population by defined age groups. Housing demand is affected by the age composition of a community, since different age groups have very different housing needs. For example, young people may trend towards occupying apartments, condominiums, and small single-family homes due to household size and/or affordability. Middle-aged adults may trend towards demanding larger homes as incomes and family sizes increase, while seniors may prefer apartments, condominiums, mobile homes, or smaller single-family homes that have lower costs and less maintenance. Table 1 shows the age distribution of San Bernardino's population. The median age for the City is estimated to be 28.6 years of age in 2008, which is slightly younger than the median age of the County at large (30.5 years of age). Chapter 3: Community Needs Page 10 City of San Bernardino 2010-2015 Consolidated Plan Table 1: Persons by g• San Bernardino tti and 2008 2000 2008 2000.2008 Age Population Population Population population %Change 17 and younger 65,180 35% 63,670 31% -2% 18-24 20,433 11% 25,326 12% 24% 2544 54,915 30% 57,786 28% 5% 45.64 29,607 16% 39,546 19% 34% 65 and over 15,266 89% 17,313 9% 13% Total 185,401 100% 203,641 100% 10% Median Age 27.6 28.6 Source: U.S.Census Bureau,2000 Census;2008 American Community Sume As Table 1 indicates, from 2000 to 2008, the percentage of youth in the City experienced a slight decline, while all other age categories experienced slight to moderate increases. The decline of youth as a proportion of the population may be attributed to natural aging of the population, as the next age category (ages 18-24) saw a significant increase since 2000. Youth still represents the largest percentage of the population (31 percent), followed by the age category of 25-44. 2. Employment Trends Employment opportunities attract and retain residents. Wages and investments establish a household's income, which determines the household's ability to afford housing and other essential needs and services. Occupation According to Census estimates calculated by the American Community Survey, in 2008, 75,514 residents of San Bernardino were employed, of which approximately 29 percent had jobs in sales and office professions, the largest industries of employment for San Bernardino residents. Other common occupations were in management, professional, and related fields; jobs in these occupations accounted for 20 percent of all residents'jobs. Service jobs (19.8 percent), production, transportation and material moving (18 percent), and construction, extraction, maintenance and repair (12 percent) also accounted for high percentages of occupation types. The distribution of occupation types for San Bernardino County at large was very similar to that of the City. However, residents in the County as a whole were more likely to hold management, professional, and related occupations (Table 2). Chapter 3: Community Needs Page 11 City of San Bernardino 2010-2015 Consolidated Plan City of San Bernardino County of San Occupation Bernardino Jobs %of Jobs Jobs %of Jobs Management, Professional,and Related 15,082 20% 235,234 27.4% Sales and Office 22,012 29.1% 235,088 27.3% Service 14,981 19.8% 155,237 18% Production,Transportation,and Material Moving 13,662 18.1% 134,240 15.6% Construction, Extraction,Maintenance and Repair 91051 12% 98,241 11.4% Farming, Fishing,and Forest 726 1% 2,041 .02% Total 75,514 100°k 860,081 100% Source:U.S.Census Bureau,2008 American Community Surve The three largest employers in San Bernardino in 2008 were the County of San Bernardino, Stater Bros. Markets, and the San Bernardino City Unified School District(Table 3). The overall labor force participation rate in the City of San Bernardino was 59.6 percent of people aged 16 and older in 2008. The 2000 Census also estimated that over 61 percent of City residents commute outside the City for work. Table 3: Major Employers in San Bernardino - 2008 Employer Name Approximate Employees County of San Bernardino 18,000' Stater Bros.Markets 7,9002 San Bernardino City Unified School District 7,7222 Patton State Hospital 2,500 San Manuel Band of Mission Indians 2,5002 California State University San Bernardino 2,100 St. Bernardine Medical Center 1,538 City of San Bernardino 1,500 Burlin ton Northern Santa Fe Railway 1,500 Community Hospital of San Bernardino 1,200 California State Department of Transportation 1,000 Inland Center Mall 1,000 1 As County seat of San Bernardino,this number reflects all County employees;not all County employees may be working within the City of San Bernardino boundaries. 2 Accounts for company-wide employees;not all may be located within the City of San Bernardino. Source:City of San Bemardino Economic Development Agency,2008 Unemployment Rates During the recent national economic downturn, San Bernardino County's economy remained relatively stable, with unemployment similar to that of surrounding markets. In 2008, the County's unemployment rate was at an annual average of 8.0 percent, compared to 7.2 percent for the State of California. The City of San Bernardino, however, had a higher unemployment rate than the County and the State, with an unemployment rate of 10.9 percent for 2008(Table 4). Chapter 3: Community Needs Page 12 City of San Bernardino 2010-2015 Consolidated Plan Table 4: Annual Averaqe Unemployment Rate - 2008 Jurisdiction I Rate of Unemployment San Bernardino 10.9% Colton 8.7% Fontana 8.3% Highland 10.2% Redlands 5.8% Rialto 10.3% San Bernardino County 8.0% State of California 7.2°k Source:State of California Employment Development Department,Annual Average Labor Force Data for Counties,2008 3. Household Trends Household characteristics provide vital information for understanding the dynamic needs of a community. A household, as defined by the U.S. Census Bureau, includes all persons who occupy a housing unit (house, apartment, mobile home, group of rooms, and a single room that is occupied as separate living quarters). The occupants may be a single family, one person living alone, two or more families living together, or any other group of related or unrelated persons who share living arrangements. Persons living in retirement of convalescent homes, dormitories, or other group living situations are not considered households. Household Composition and Size The number of households in San Bernardino increased four percent between 2000 and 2008, from 56,330 to 58,604 households. As shown in Table 5, the majority of households in San Bernardino were families (72 percent). Approximately 12 percent of all households were female-headed households with children, higher than the County average of 9.1 percent. The average household size in the City of San Bernardino increased from 3.19 people in 2000 to 3.38 people in 2008. Among all family households, approximately 21 percent included at least one or more elderly persons, while eight percent of all non-family households (i.e. living alone or with unrelated roommates)were headed by an elderly person. Table 5: San Bernardino City[County Household Type and Size - 2008 Female- Average % % %Elderly Headed % Families Household Households Non-Family Households Size Families with Children with Elderly Household with Children San Bernardino 3.38 72.0% 40.9% 20.8% 7.7% 12.0% San Bernardino County 3.40 75.8% 41.4% 19.7% 6.3% 9.1% Source:U.S.Census Bureau,2008 American Community Survey Chapter 3: Community Needs Page 13 City of San Bernardino 2010-2015 Consolidated Plan Overcrowding Overcrowding can be an indicator that housing in a community is expensive given the incomes of local residents. An overcrowded household is defined as one with more than one person per room, excluding bathrooms, kitchens, hallways, and porches. Severely overcrowded households are those with more than 1.5 persons per room. Unit overcrowding typically results from the combined effect of low earnings and high housing costs in a community, and reflects the inability of households to buy or rent housing that provides a reasonable level of privacy and space. Overcrowding accelerates deterioration of homes and infrastructure, and results in a shortage of on-site parking. The 2008 American Community Survey reports that 15 percent of occupied housing in the City was overcrowded. The incidence of overcrowding in the City of San Bernardino was much higher than countywide (8.6 percent). Severely overcrowded households were also more prevalent in the City than the County at large; 6.3 percent of households in the City were overcrowded in 2008, compared to 2.5 percent in the County(Table 6). Bernardino 1 11' %of All Housing Units San Bernardino San Bernardino County Overcrowded 1.01-1.5 rsons/room 8.8% 6.1% Severely Overcrowded >1.5 ersons/room 6.3% 2.5% Total Overcrowded >1.0 person/room) 15.1% 8.6% Source:U.S.Census Bureau,2008 American Community Sume The prevalence of overcrowding varies significantly by income, tenure type, and size of household. Generally, lower income households and large families are disproportionately affected by overcrowding. As indicated in Table 7, overcrowding is more than twice as likely to occur in renter-occupied housing units (21 percent) versus owner-occupied housing units (nine percent). Table Bernardino Overcrowding r tr: %of All Owner Occupied %of A8 Renter Occupied Housinq Units Housinq Units Overcrowded 1.01-1.5 persons/room) 7.4% 10.2% Severely Overcrowded >1.5 persons/room) 2% 11.1% Total Overcrowded >1.0 person/room) 9.4% 21.4% Source:U.S.Census Bureau,2008 American Community Survey Race and Ethnicity Race and ethnicity have implications for housing need, as certain demographic and economic variables correlate with race. Similar to trends in other communities in California, San Bernardino has become increasingly diverse in its racial and ethnic makeup (Table 8). From 2000 to 2008, the overall percentage of White persons declined, while the percentage of Hispanic persons increased. In 2000, Hispanics accounted for 47 percent of the population; that percentage is estimated to have increased to 56 percent in 2008. The percentages of Black, Asian, Pacific Islander, American Indian, and Other races have remained relatively the same. Chapter 3: Community Needs Page 14 City of San Bernardino 2010-2015 Consolidated Plan Table r o Race or 00 r 2008 Race or Ethnicity 2000 2006 Population %of Population Population %of Population Hispanic Origin 87,654 47.3% 114,348 56.2% White 53,900 29.1% 42,419 20.8% Black 28,965 15.6% 35,509 17.4% Asian 7,392 4.0% 7,529 3.7% Other 5,614 3.0% 3,260 1.6% Pacific Islander 670 0.4% 434 0.2% American Indian 1,193 0.6% 142 0.1% Source:U.S.Census Bureau,2000 U.S.Census;2008 American Community Surve Comparing the racial/ethnic composition of the population with that of the householders indicates that 28.5 percent of households in San Bernardino were headed by White persons and 48 percent by Hispanic persons in 2008 (see Table 9). The racial/ethnic composition of householders in the City did not mirror that of the County. In the County, only 37 percent of heads of households were Hispanic, whereas White constituted 46 percent of householders. Table 9: R r Ethnicity by Person r Household 2008 Persons Households Race or Ethnicity San Bernardino San Bernardino San Bernardino San Bernardino County Count Hispanic Origin 56.2% 47.5% 48.0% 37.3% White 20.8% 35.5% 28.5% 45.9% Black 17.4% 8.3% 18.2% 9.2% Asian/Pacific Islander 3.9% 6.1% 4.6% 6.2% Other 1.7% 2.6% 0.7% 1.4% Source:U.S.Census Bureau,2000 U.S.Census;2008 American Community Survey Areas of Minority Concentration Areas with concentrations of minority residents may have unique needs, particularly in areas where recent immigrants tend to reside. A concentration is defined as a Census block group with a proportion of minority residents greater than that of the countywide average. Figure 2 illustrates the concentrations of minority (non-White) households in the City. As shown, virtually the entire southern half of the City (below Highland Avenue) has a minority population of at least 56 percent (the county average). In contrast, Census tracts above Highland Avenue generally lack minority concentrations. Concentrations of Low and Moderate Household Income Population According to the 2008 American Community Survey, San Bernardino households had a median income of $38,282, or approximately 70 percent of the countywide median income of$55,021.2 2 Even though the term "family income" is be used as a synonym for household income in State and federal housing programs, the U.S. Census Bureau defines the two differently. While household income takes all households into account,family income only includes households with two or more persons related through blood, marriage or adoption. Chapter 3: Community Needs Page 15 City of San Bernardino 2010-2015 Consolidated Plan Use of CDBG funds on public improvements can only occur in income-eligible areas. The CDBG program defines income eligibility as any block group with 51 percent or more of the population earning incomes less than 80 percent of the Area Median Family Income (Area MFI). Figure 3 illustrates the income-eligible areas in San Bernardino. Income Definitions For purposes of housing and community development resource programming, HUD has established income definitions based on the Median Family Income (MFI) for a given Metropolitan Statistical Area (MSA). These income definitions are presented in Table 10. Table t: HUD Income Definitions Income Group %of Area MFI Extremely Low Income 0-30% Low Income 31-50% Moderate Income 51-80% Middle/Upper >81% Income Distribution Based on the HUD definitions specified in Table 10, over 35 percent of the City's total households in 2000 were within extremely low income (30 percent MFI) and low income (50 percent MFI) categories, and nearly 20 percent were within the moderate income (80 percent MFI)category. In San Bernardino, households with low and moderate incomes comprised over half of the total households (55 percent). The proportion of households with low and moderate incomes was highest among Black (64 percent) and Hispanic (63 percent) compared to White (43 percent) households (Table 11). Chapter 3: Community Needs Page 16 O C y r C m o 2 o Z m at m q; 3 ;� o • � a 2`� N m b gig 0 Q o U 4 \� W Yuu nM ( m \� W �` vv ore S b.q^i�K • tiem 4.0 � Q i S �fM N •1 rr \ Val l., c A R E t• \\\\\\\\\\\ OQ L Uo a a 00 Oo LL � . ! 8t � \} ! !\ ! ! ! f . • ! § w�2 1/_ . tn. . . ID § FL_ $- '/ � . � \ ( 9| CC� { m0 2 7 2 / | e � ) \ 16 % © § /§ §| � ., . k§ \j \ ^ -77 J7 City of San Bernardino 2010-2015 Consolidated Plan Table r r r Income by Itt %of low %of %of Total %of Total %Extremely Income Moderate Middle/Upper Households Households Households Low Income Income (0-30%MFQ (3MFI) (51-80% Income FI) MFI) MFI) I) White 22,085 39.1% 14.1% 10.9% 18.3% 56.7% Hispanic 20,523 36.9% 21.8% 17.5% 23.3% 37.4% Asian/PI 21 158 3.9% 25.3% 15.1% 13.9% 45.8% Black 9,459 17% 31.7% 16.1% 1 16.1% 36.1% Other 1,875 3.1% 17.5% 8.8% 1 21.1% 52.6% Total 56,100 100% 20.8% 14.4% 1 19.5% 45.2% Source:2004 HUD CHAS Data,based on 2000 Census. 4. Special Needs Populations Certain segments of the population may require special supportive services or accommodations and may have difficulty finding decent, affordable housing in the City due to special needs. Special needs groups include the elderly, persons with disabilities, female- headed households, large households, persons with drug and/or alcohol addiction, victims of domestic violence, and persons with HIV/AIDS. A summary of Licensed Community Care Facilities in San Bernardino that serve some of the special needs groups is provided in Table 12, followed by detailed discussions of each of the special needs. There are 65 licensed community care facilities located in the City of San Bernardino with a total capacity to serve 1,083 persons. Table r tt Type of Facility Total Number of Facilities Total Capacity(Number of Beds or Persons) Adult Day Care 6 295 Adult Residential Facility 40 336 Group Home 9 54 Residential Care for the Elderly 10 398 Total 65 1,083 Source:Caldomia Depsament of Social Services,Cmmunfty Care Licensing Division,2009 Adult day care facilities provide programs for frail elderly and developmentally disabled and/or mentally disabled adults in a day care setting. Adult residential facilities provide care for developmentally and mentally disabled adults. Group homes are facilities of any capacity and provide 24-hour non-medical care and supervision to children in a structured environment. Group homes can provide social, psychological, and behavioral programs for troubled youths. Elderly residential care facilities can accommodate elderly persons with dementia and/or those who are non-ambulatory. Chapter 3: Community Needs Page 19 City of San Bernardino 2010-2015 Consolidated Plan Elderly and Frail Elderly The population over 65 years of age is considered elderly. There are four main concerns that affect the elderly: • Income: Many people over 65 are retired and are living on a fixed income. • Health Care: The elderly have a higher rate of illness and more medical needs. • Transportation: Many seniors use, and are reliant on, public transit. • Housing: Many seniors live alone and rent, and due to limited income, affordable housing options are important. According to the 2008 American Community Survey, approximately 17,313 elderly persons resided in San Bernardino, representing 8.5 percent of the total population. Approximately 7,196 elderly persons were considered frail elderly; that is, they were seniors with a disability. A larger proportion of senior households had low and moderate incomes (59 percent) compared to all households (55 percent). Approximately 35 percent of elderly households experienced one or more housing problems, such as overpayment or substandard housing, compared to the citywide average of 50 percent. However, elderly residents who rent were more likely to experience housing problems (57 percent). In addition, elderly residents are often less able to make improvements to their housing due to limited income as well as a higher rate of disabilities (Table 13). Table r • r 000 %of Population With a Low(Moderate Income Households with Households Population' Disability' z Housing Problems2 Elderly 8.5% 47.7% 58.93/6 35.1% All Households 100% 22.4% 54.8% 49.9% Sources:1)U.S.Census Bureau,2000 Census;2 HUD CHAS,2004 As described above, there are 10 facilities that have a capacity to provide residential care for up to 398 elderly persons. As shown in Table 14, San Bernardino has several affordable senior housing developments that are income restricted and provide housing opportunities for the elderly in the community. Chapter 3: Community Needs Page 20 City of San Bernardino 2010-2015 Consolidated Plan .� WK 111146T41TUTIMEM a Name Location Total Units AHEPA 302 A artments 377 E.Gilbert Street 90 Arrowhead Woods 1650 W. 16th Street 51 Casa Bemardine Retirement Center 1589 N. Waterman Ave 241 Casa Ramona Senior Complex 1519 W.8th Street 44 Jeffery Court Senior Apartments 3677 Central Avenue 184 Laurel Place 363 E.Gilbert Street 70 Light's Rancho Linda 1642 W.27th Street 50 The Plaza 5655 N.G Street 160 San Bernardino Senior Housing 1540 W.Baseline Ave. 75 St. Bemardine's Plaza 550 W.5"'Street 150 TELACU I Sierra Vista 650 W.6' Street 75 TELACU II Monte Vista 451 N. H Street 75 TELACU III Buena Vista 365 E. Commercial Rd. 75 Total 1,340 The majority of elderly in the City of San Bernardino have access to the programs that operate in the City. Many of these programs are provided at the two senior centers: Fifth Street Senior Center and Perris Hill Park Senior Center. Many groups in San Bernardino provide supportive services to the elderly(Table 15). In general, service needs of the elderly include adult day care, crime/victim and legal services, education services, employment and training, emergency services, financial aid and benefits, health information and services, housing services, in-home services, mental health services, and transportation services. Table Senior of Bernardino Name Location Services Casa Ramona Center 1524 W.7" Street Social recreation,congregate meals Social recreation,congregate meals, health Delmann Heights Community 2969 Flores Street screening, in-home support services, Center security/crime assistance,transportation assistance Hernandez Nutrition Center 222 Lugo Avenue Nutritional Services Lytle Creek Community Center 380 S. K Street Nutritional Services Perris Hill Senior Center 780 E.21s'Street Social recreation,congregate meals,health screening,information and assistance Social recreation,congregate meals,case management,consumer services,employment San Bernardino Senior Center 600 W.5t'Street assistance, health screening,information and assistance, in-home support services, mental hea @h screenin res ite care Highland Senior Center 3102 E. Highland Senior nutrition, recreational and social Ave. =and and trans ortation Home of Neighborly Service 839 N. Mt.Vernon Senior nutrition, recreational opportunities Chapter 3: Community Needs Page 21 City of San Bernardino 2010-2015 Consolidated Plan Persons with Disabilities The Americans with Disabilities Act defines a disability as a "physical or mental impairment that substantially limits one or more major life activities." Physical disabilities can hinder access to conventionally designed homes, prevent persons from earning adequate income, and restrict mobility around a community. Mental disabilities can affect a person's ability to maintain a home or job. As such, persons with disabilities often require additional services, often related to health, transportation, and special housing needs. Special housing needs for persons with a disability can fall into two categories: 1) physical design to address mobility impairments; and 2) social, educational, and medical support to address developmental and mental impairments. Housing opportunities for individuals with disabilities can be addressed through the provision of affordable, barrier free housing. Rehabilitation assistance can be targeted toward disabled renters and homeowners for unit modifications to improve accessibility. An estimated 18,248 persons' in the City of San Bernardino (nine percent of the population) have one or more disabilities. This proportion is similar to that of San Bernardino County, where 10 percent of the population is disabled. According to the 2008 American Community Survey, approximately 10,124 persons with a disability in San Bernardino are within working age (18-64 years old). Of these persons with a disability who are of working age, approximately 29 percent are employed. An estimated 28 percent of persons with disabilities live below the poverty line. Severely Mentally 111 Severe mental illness includes the diagnoses of psychoses (e.g. schizophrenia) and the major affective disorders (e.g. bipolar, major depression). According to national estimates, approximately one percent of the adult population meets a definition of severe mental illness based on diagnosis, duration, and disability. Based on this estimate, roughly 2,036 persons in the City may suffer from severe mental illness. Housing is an integral part of a system of care for the severely mentally ill because the prime support network and focus of daily living activities is associated with the residence. The major barrier to stable, decent housing for the seriously mentally ill is the availability of affordable housing. A substantial majority of persons in this population depend solely on Social Security Insurance payments. With limited income, few persons in this special needs group can afford rental housing on the open market. Due to the lack of access to affordable housing, mentally ill persons are at greater risk of becoming homeless or living in unstable and/or substandard housing situations. In addition, health care and mental health services are an integral component of care for persons with severe mental illnesses. The San Bernardino County Department of Behavioral Health provides a variety of free and low cost services and programs for low to moderate income households. Services for individuals with mental health illnesses include adult services, alcohol and drug services, children services, forensic services, patient rights, outpatient services, and crisis services. 3 The American Community Survey refers to the disability status of only the civilian non-institutionalized population. Disability is defined as the restriction in participation that results from a lack of fit between the individual's functional limitations and the characteristics of the physical and social environment. The Census Bureau does not recommend any comparisons to disability data from the 2007 ACS and earlier due to questionnaire changes. Chapter 3: Community Needs Page 22 City of San Bernardino 2010-2015 Consolidated Plan The accessibility and affordability of health services are two major issues to low and moderate income households since many do not have basic health insurance, or more specialized care such as dental and vision care. In the past, the City has used CDBG funds to support health services for low and moderate income households, particularly health services for youth. Developmentally Disabled The term developmental disability describes a number of conditions that permanently restrict an individual's development. The State of California identifies developmental disability as a diagnosis originating before age 18 of one or more of the following conditions: mental retardation, epilepsy, cerebral palsy, and autism. The definition of developmental disability also relates to a person's score on standardized intelligence tests. Persons with an IQ below 70 are typically defined as developmentally disabled. According to the California State Council of Developmental Disabilities (SCDD), approximately 1.8 percent of the State's population fits the definition of developmentally disabled. Applying this estimate to the City of San Bernardino, an estimated 3,680 persons in the City may be considered developmentally disabled. It is possible for developmentally disabled persons to live and work independently within a conventional housing environment. Severely disabled individuals require a group living environment where supervision is provided. The most severely affected individuals may require an institutionalized environment where medical attention and physical therapy are provided. Six adult day care facilities (with a total capacity of 295 persons) in San Bernardino are licensed by the State Department of Social Services to serve the disabled, including those with developmental disabilities. Physically Disabled According to the 2008 American Community Survey, 17,320 adults aged 18 and over suffered from one of more disabilities in San Bernardino. Over half of those adults suffered from problems with living independently, which is defined as having difficulty completing everyday tasks and errands due to physical, mental, or emotional problems. Self-care limitations are also common for persons with physical disabilities; over 5,000 adults in San Bernardino are estimated to have difficulty doing tasks such as dressing or bathing themselves (Table 16). The Americans with Disabilities Act(ADA)of 1990 and amendments to the Fair Housing Act, as well as California law, require ground-floor units of new multi-family developments with more than four units to be accessible to persons with disabilities. However, units built prior to 1989 are rarely accessible to persons with disabilities. Furthermore, not all new construction may have the range of modifications needed by specific individuals. Older units, particularly older multi-family structures, are very expensive to retrofit for disabled occupants because space is rarely available for elevator shafts, ramps, widened doorways, etc. In addition to changes to the units, the site itself may need modification to widen walkways and gates, and to install ramps. Chapter 3: Community Needs Page 23 City of San Bernardino 2010-2015 Consolidated Plan .R ['1111111M.9 MUM MMMFrT.UMIN M HIM 'r � ' �•� 11: Type of Disability Number of Adults With a Hearing Difficulty 3,267 With a Vision Difficulty 3,766 With a Cognitive Difficulty 6,686 With an Ambulatory Difficulty 11,904 With a Self-Care Difficulty 5,068 With an Independent Living Difficulty 8,796 Note:Adults may have one or more disabilities.Total number of adults voth one or more disabilities is estimated at 17,320 Source:U.S.Census Bureau;2009 American Community Survey Female-Headed Households Single-parent households are likely to have special needs for housing, including proximity and access to day care, public transportation, and recreation facilities. In 2008, households headed by women comprised approximately 23 percent (13,411 households) of all households in San Bernardino. Of these households, the majority (7,024 households) included children. Female-headed households comprise a disproportionate number of families that are living in poverty. In the City, approximately 33 percent of female-headed families are living below the poverty level, whereas only 15 percent of married couple families are living below the poverty level. Countywide, 30 percent of the female-headed families were living in poverty, and only seven percent of married couple families were living in poverty. Large Households Large households, defined as those with five or more persons, have special housing needs due to greater household expenses in relation to income and the lack of adequately sized, affordable housing. As a result, large households often live in overcrowded conditions. For San Bernardino, the 2008 American Community Survey estimated that 11,454 households had five or more members, representing almost 20 percent of the total households in the City. The special Census tabulations for HUD, Comprehensive Housing Affordability Strategy (CHAS), indicate that among the large households in the City, approximately 74 percent experienced some form of housing problems in 2000 (Table 17). These housing problems include overcrowding, cost burden, or substandard housing conditions. As such, there is a need for larger affordable housing units (with three or more bedrooms) in the City. Table 17: Large o r • 111 Special Need Group %of Total Lowl Moderate HousingZ Households' Incomez Problems -Large Households 22.4% 60.9% 74.4% All Households 100% 54.8% 49.9% Sources:i U.S.Census Bureau,2000 Census;2 HUD CHAS,2004 Chapter 3: Community Needs Page 24 City of San Bernardino 2010-2015 Consolidated Plan People with HIV Infection and AIDS For persons living with HIV/AIDS, access to safe, affordable housing can be as important to their general health and well-being as access to quality health care. For many, the persistent shortage of stable housing is the primary barrier to consistent medical care and treatment. According to the California Department of Public Health, a total of 1,439 HIV and 1,759 AIDS infected persons lived in San Bernardino County as of December 31, 2008. The Housing Opportunities for Persons with AIDS (HOPWA) Program is a federally funded housing program to address the specific needs of persons living with HIV/AIDS and their families. Since 1993, the City of Riverside has administered the HOPWA formula grant for communities in San Bernardino and Riverside counties. The City of Riverside contracts with the County of San Bernardino to provide supportive services for persons with HIV/AIDS. The City of San Bernardino does not qualify HOPWA formula funding. HOPWA funds are distributed to metropolitan areas with a population of more than 500,000 and at least 1,500 cumulative AIDS cases. In these metropolitan areas, the largest City serves as the Formula Grant Administrator. For the San Bernardino-Riverside metropolitan area, the City of Riverside, as the largest City, administers the region's HOPWA grant. In 1994, the Department of Public Health of San Bernardino County began receiving Ryan White Program funding to support programs in San Bernardino County and Riverside County. As of May 1, 2008, the San Bernardino and Riverside Counties have a total of eight public and community-based organizations funded by the Ryan White Program that provide services to those who lack health insurance and financial resources to care for their ailment. San Bernardino Public Health Reproductive Health Services provides family planning services to residents in both San Bernardino and Riverside Counties. Services include birth control methods, male and female reproductive exams, STD testing and treatment, HIV testing and referrals, pregnancy testing and counseling, education, and specialized teen services. Alcohol/Other Drug Abuse Alcohol/other drug abuse is defined as excessive and impairing use of alcohol or other drugs, including addiction. The National Institute of Alcohol Abuse and Alcoholism estimates the number of men with drinking problems (moderate or severe abuse) at 14 to 16 percent of the adult male population and the number of women with similar problems at six percent. Applying these general estimates, over 15,000 San Bernardino adult residents may have substance abuse problems. The San Bernardino County Department of Behavioral Health Office of Alcohol and Drug Programs provides a full range of alcohol and drug services for communities and residents. Prevention, outpatient, and residential programs are offered in every significant population center in the County through contracts with community-based organizations. The following organizations and programs in the City of San Bernardino provide services such as alcohol detoxification, treatment for chemical dependency, and homeless programs: • Inland Behavioral and Health Services, Inc. • Casa de San Bernardino, Inc. • New House Chapter 3: Community Needs Page 25 City of San Bernardino 2010-2015 Consolidated Plan • San Bernardino County Public Health Department • SAC Health Systems • San Bernardino Center for Change • Institute for Public Strategies • Miracles in Recovery • Veterans Alcoholic Rehabilitation Program Victims of Domestic Violence Domestic violence often goes unreported, which makes it difficult to assess the extent of the problem in communities. One source for San Bernardino is the county's Continuum of Care application for Shelter Housing Program funds, which estimated that 12 percent of local homeless are victims of domestic violence. A primary need for victims of domestic violence is emergency shelter in a safe and confidential location. Subsequently, affordable housing options are important to provide victims with options for housing, so as not to have to return to an unsafe home. Supportive case management services can be extremely helpful to break the cycle of violence for victims of domestic violence. These services can include counseling, court accompaniment, information and referrals, and personal advocacy. In addition, emergency and/or transitional shelter, in a confidential place, is often necessary to ensure victims' safety. 5. Estimates of Current Housing Needs The CHAS developed by the Census for HUD provides detailed information on housing needs by income level for different types of households. Detailed CHAS data based on the 2000 Census is displayed in Table 18. Based on CHAS, housing problems include: units with physical defects (lacking complete kitchen or bathroom), overcrowded conditions (housing units with more than one person per room), housing cost burden exceeding 30 percent of gross income, or severe housing cost burden exceeding 50 percent of gross income. The types of problems vary according to household income, type, and tenure. Some highlights include: • In general, San Bernardino renter-households had a higher level of housing problems (61.8 percent)compared to owner-households(39.1 percent). • Large renter-households in the City of San Bernardino had the highest level of housing problems regardless of income level. Almost all (96 percent) of both extremely low income and low income large family-renters experienced housing problems. Among the other household types, a high percentage of elderly households also suffered housing problems. Approximately 76 percent of the extremely low income and 66 percent of low income elderly renters suffered from a housing problem. Cost burden was a major component of housing problems for the elderly. Chapter 3: Community Needs Page 26 City of San Bernardino 2010-2015 Consolidated Plan Table • • Assistance Needs of • and Moderate Income • • r 111 Household by Type,Income, Renters Owne and Housing Problem Elderly Small Large Total Elderly ds Families Families Renters Extremely Low Income 938 3,650 2,185 8,863 1,039 65 0-30%MR) %with an housing problem 75.5 89.3 97.5 86.5 67.3 .0 %with cost burden>30% 75.1 84.7 87.0 81.6 67.3 .6 %with cost burden>50% 56.0 67.3 67.0 65.4 46.2 2.5 Low Income 643 2,350 1,400 5,308 945 2,796 8,104 31-50%MFI %with any housing problem 65.8 83.6 93.2 83.9 42.9 69.1 78.8 %with cost burden>30% 65.2 71.3 60.7 69.2 42.9 64.8 67.7 %with cost burden>50% 22.6 18.1 12.5 19 25.4 37.7 25.5 Moderate Income 419 2,380 1,214 5,342 1,320 5,624 10,966 51-80%MFI %with any housing problem 42.7 52.9 76.1 53.9 28.0 58.8 56.5 %with cost burden>30% 40.3 31.9 17.2 30.4 26.9 44.1 37.4 %with cost burden>50% 9.3 1.1 1.2 2.4 10.2 11 6.8 Total Households 2,435 11,950 5,849 26,643 6,571 29,457 56,100 %with an housing problem 56.5 59.1 85.5 61.8 27.1 39.1 49.9 Note:Data presented in this table is based on special tabulations from sample census data.The number of households in each category usually deviates slightly from the 100 0h count due to the need to extrapolate sample data out to total households.Interpretations of this data should focus on the proportion of households in need of assistance rather than on precise numbers. Source:HUD Comprehensive Housing Affordability Strategy CHAS Data,2004. Disproportionate Housing Need Disproportionate need refers to any need that is more than 10 percentage points above the need demonstrated for the total households. For example, 85.5 percent of large renter families (a subset of renter-households) experienced housing problems, compared to 61.8 percent of all renter-households or 49.9 percent of all households. Thus, large families that are renting have a disproportionate need for housing assistance. Extremely low Income Households(0-30 Percent MR) Of households in the City with a housing problem (49.9 percent), extremely low income households experienced a disproportionate number of housing problems (83 percent). Among extremely low income households, a higher percentage of renter-households (87 percent) had housing problems compared to owner-households (72 percent). Extremely low income large renter families had a higher incidence of problems (97.5 percent) than other extremely low income households (83 percent). Low Income Households(31-50 Percent MR) Approximately 79 percent of all low income households experienced one or more housing problems, compared to 50 percent of all households in the City. Thus, low income households also have a disproportionate need compared to the general population. Again, renters disproportionally experienced housing problems compared to owners, as 84 percent of renters experienced some type of housing problem, compared to 69 percent of owner- households in this income group. Chapter 3: Community Needs Page 27 City of San Bernardino 2010-2015 Consolidated Plan Low income large family renter-households had the greatest level of need among low income households, with over 93 percent facing some type of housing problem. Small-family renter-households are the next group in need, with 84 percent facing housing problems. Approximately 66 percent of all low income elderly renter-households had housing problems. Moderate Income Households(51-80 Percent MFIJ Approximately 57 percent of all moderate income households experienced housing problems. Similar to low and extremely low income households, a lower proportion of moderate income owner-households (59 percent) had housing problems, compared to renter-households (54 percent); however, the discrepancy is not large. Large-family renter- households experienced the highest percent of housing problems compared to other moderate income households. A large portion of the housing programs were associated with overcrowding and housing conditions, rather than with cost burden. Disproportionate Housing Need based on Race/Ethnicity Table 19 below indicates the disproportionate needs of race/ethnic groups in San Bernardino, as calculated by the CHAS. A disproportionate need was concentrated among minority elderly and small and large family renters and owners. Table ' o Disproportionate Needs Income Levels San Bernardino Special Needs Groups Extremely low Income . Hispanic(Family Owners) (0.30%AMI) . Black Non-His anic(Family Owners Low Income . Hispanic(Family Owners) (31 -50%AMI) . Black Non-Hispanic(Elderly Owners Moderate Income . Hispanic(Family Renters) (51-80%AMI) . Black Non-Hispanic(Elderly Owners Source:CHAS,M. 6. Public Outreach Housing Needs Results As part of the public outreach for the 2010-2015 Consolidated Plan, the City of San Bernardino conducted a community meeting and a community survey. The comments and insight provided from those sources are discussed here. Community Meeting Housing was one of the primary issues discussed by participants at the San Bernardino Consolidated Plan community meeting. Participants were primarily concerned about housing affordability and voiced a need for new affordable housing, especially for seniors and disabled persons. Multi-family housing and mixed-use housing (housing with a retail or commercial component included) were recommended. Participants noted that the Section 8 wait list is long, and the application is complex. With rising unemployment, participants noted a need for rental gap assistance to keep people in their homes. City staff estimated that approximately 5,000 homes have been foreclosed in San Bernardino between January 2008 and January 2010. The City has used Neighborhood Stabilization Program funds to purchase foreclosed and abandoned homes and re-sell these Chapter 3: Community Needs Page 28 City of San Bernardino 2010-2015 Consolidated Plan to low and moderate income homebuyers. Renters have also been affected by the increasing rate of foreclosures. When investment properties are foreclosed, the renter is the last person to know. There is often confusion over who to pay as well as concerns about fraud. Participants also noted that post-incarcerated persons have difficulty finding housing, as applications ask for information on incarceration, limiting access to housing options in the City. The Inland Fair Housing and Mediation Board noted that while in previous years, race was the basis for most discrimination complaints, now disabled status is the most common fair housing complaint the Board receives. Participants noted a need for housing rehabilitation assistance in single-family homes to address blight and overcrowded conditions. Housing rehabilitation assistance can give neighborhoods a facelift and encourage continued investment in the area. Community Survey Housing was one of the components of the community survey that was posted on the City's website for residents and service providers. Respondents were asked to rank the relative importance of a variety of types of programs and projects for each category. For each category, the respondent was asked to indicate unmet needs that warrant expenditure of public funds by ranking the relative importance of each need. In tabulating the survey results, the lower averages (and closer to 1) represent the community's assessment of that category as more in need. The survey indicated that participants felt that ownership housing rehabilitation, homeownership assistance, and energy efficient improvements were the most important housing needs in the community(Table 20). • 1 Housing Category Rank Order Ownership Housing Rehabilitation 1 Homeownership Assistance 2 Energy Efficient Improvements 3 Senior Housing 4 Rental Housing Rehabilitation 5 Housing for Disabled 6 Fair Housing Services 7 Affordable Rental Housing 8 Housing for Large Families 9 Lead-Based Paint Test/Abatement 10 7. Homeless Needs Like many areas of California, San Bernardino County has a significant homeless population due largely to the lack of affordable housing. The City of San Bernardino has stated its commitment to coordinate services and facilities available for the homeless as a Continuum of Care. The Continuum of Care stresses permanent solutions to homelessness through comprehensive and collaborative community planning. The goal of a comprehensive Chapter 3: Community Needs Page 29 City of San Bernardino 2010-2015 Consolidated Plan homeless service system is to ensure that homeless individuals and families move from homelessness to self-sufficiency, permanent housing, and independent living. The following sections provide an overview of the homeless population in San Bernardino, summarize the housing and supportive service needs of the homeless and persons and families at risk of becoming homeless, and provide descriptions of services and facilities available to serve the City's homeless population and those who are at risk of becoming homeless. Service and facility gaps in the Continuum of Care are also identified. Homeless Population The County of San Bernardino Office of Homeless Services conducted a comprehensive survey of the County's homeless population in 2009. According to the 2009 San Bernardino County Point-in-Time Homeless count and survey, approximately 1,736 homeless persons live in the City of San Bernardino, with 968 of the persons classified as unsheltered homeless, 747 persons estimated to be living in emergency or transitional housing facilities, and the remaining 21 persons counted as using a hotel/motel voucher during the night of the survey. As part of the 2009 Homeless Count and Survey, interviews were conducted with homeless persons regarding demographics and their housing and service needs. Some of the more significant findings are as follows: • The most cited reason for being homeless was the loss of employment. The top three cited reasons for why sheltered homeless were unable to obtain or maintain employment were lack of jobs (33 percent), need more education (30 percent), and lack of transportation (27.4 percent). • Approximately 24 percent of the sheltered homeless surveyed were employed, compared to only 10 percent of the surveyed unsheltered homeless. • When asked to indicate any government assistance received, approximately 47.3 percent of unsheltered survey respondents indicated they received no government assistance, compared to only 29.6 percent of sheltered survey respondent indicating their received no government assistance. • Approximately 44.8 percent of all unsheltered survey respondents indicated that they were experiencing a serious physical illness or disability, whereas only 24.4 percent of all sheltered respondents indicated such. • The majority of both sheltered and unsheltered respondents indicated that they lived alone; 32.7 percent of the sheltered homeless respondents indicated that they lived with family members only, including children, whereas only 5.7 percent of the unsheltered respondents did. Homeless Subpopulations Since homelessness is a regional issue, data presented in this section is also based on statistics for the entire County in addition to statistics for the City. Much of the data were obtained from the San Bernardino County's 2009 Application for Supportive Housing Grants Chapter 3: Community Needs Page 30 City of San Bernardino 2010-2015 Consolidated Plan to implement the Continuum of Care system. San Bernardino County's homeless can be divided into these subpopulations: chronically homeless, severely mentally ill, chronic substance abusers, veterans, persons with HIV/AIDS, victims of domestic violence, and unaccompanied youths. Chronically homeless persons make up 26 percent of the homeless population, 12 percent are victims of domestic violence, 18 percent are chronic substance abusers, 21 percent are severely mentally ill, another two percent are living with HIV/AIDS, 18 percent are veterans, and three percent are unaccompanied youths. Persons Threatened with Homelessness Experts estimate that two to three families are on the verge of homelessness for every family in a shelter. The at-risk population is comprised of families and individuals living in poverty who, upon loss of employment or other emergency requiring financial reserves, would lose their housing and become homeless. These families are generally experiencing a housing cost burden, paying more than 30 percent of their income for housing, and are often living in overcrowded conditions. According to the CHAS data, 63 percent of the City's extremely low income households and 26 percent of the low income households were paying more than 50 percent of their income on housing in 2000. These households are most vulnerable to sudden change in financial situations and may as a result become homeless. Individuals released from penal, mental, or substance abuse facilities also are at risk of homelessness if they cannot access permanent housing or lack an adequate support network, such as a family or relatives in whose homes they could temporarily reside. Another particularly vulnerable population is foster care children. Upon reaching 18 years of age, foster children lose eligibility for many public services and are released, often without the skills necessary to obtain employment and a place to live. Several agencies throughout the County provide temporary housing and services to abused, neglected, abandoned, and/or runaway children. Once these children reach legal adult age, the services provided by these agencies cannot continue. It is important to ensure that these young adults do not age out of their program into a life of homelessness. Agencies such as the San Bernardino County Department of Public Health-One Stop Transitional Age Youth Center and the Centralized Children's Intensive Case Management Services (CCICMS) play a critical role in planning a discharge plan to ensure youth with physical, mental, and/or substance abuse issues are identified prior to their emancipation, and that they are linked to appropriate supportive services and housing. Another group of at-risk homeless persons is those facing foreclosures. The City of San Bernardino is experiencing significant number of foreclosures due to the current mortgage crisis and recession. Foreclosures impact not only the homeowners but also renters when their landlords fail to make mortgage payments on their rental properties. Inventory of Facilities and Services for the Homeless and Persons Threatened with Homelessness The San Bernardino County Homeless Partnership (SBCHP) was formed to provide a more focused approach to issues of homelessness within the County. The Partnership consists of community and faith-based organizations, educational institutions, nonprofit organizations, private industry, and federal, state, and local governments. Chapter 3: Community Needs Page 31 City of San Bernardino 2010-2015 Consolidated Plan SBCHP was developed to promote a strong collaboration between agencies to direct the planning, development, and implementation of the County's Ten-year Strategy to End Chronic Homelessness. SBCHP provides a comprehensive countywide network of service delivery to the homeless and near-homeless families and individuals through facilitating better communication, planning, coordination, and cooperation among all entities that provide services and/or resources for the relief of homelessness in San Bernardino County. The passage of the American Recovery and Reinvestment Act (ARRA) of 2009 provided $1.5 billion for communities throughout the United States to provide financial assistance and services to either prevent individuals and families from becoming homeless or help those who are experiencing homelessness to be quickly re-housed and stabilized. HUD administers these funds through the Homeless Prevention and Rapid Re-Housing Program (HPRP). For applicants meeting HPRP eligibility requirements, services may include short- term and medium-term rental assistance and utility assistance, housing relocation and stabilization services, case management services. For the City of San Bernardino, services are administered by Inland Temporary Homes. Preventive services are aimed at preventing the incidence of homelessness by assisting individuals and families from slipping into the cycle of homelessness due to a temporary or sudden loss of income. Mainstream preventive programs that are provided countywide include: • Emergency food assistance through food banks and local food pantries • Community-based counseling services • Low Income Home Energy Assistance Program (HEAP) • Emergency Food and Shelter Grants (EFSG) Program • Food Stamp Employment and Training (FSET) Program • Community-based case management and life skill training for low income households San Bernardino County's Behavioral Health Department is the primary non-HUD funded outreach service provider to the chronically homeless, which receives funding from the State of California via the Mental Health Services Act (2004). Some of the services provided include outreach, crisis intervention, homeless prevention, specialized treatment after release, and housing placement and maintenance services. The Inland AIDS Project, Foothill AIDS Project, Inland Behavior and Health Services, and the San Bernardino County Department of Public Health all work together providing medical services to homeless persons, including field tests for TB, HIV, and other communicable diseases. These agencies also provide general outreach functions related to such diseases. Emergency shelters often provide accommodation for a few days up to three months. Transitional housing provides shelter for an extended period of time (as long as 18 months) and generally includes integration with other social services and counseling programs that assist people in attaining a permanent income and housing. Permanent supportive housing is rental housing for low income or homeless people with severe mental illness, substance abuse, or HIV/AIDS with accompanying services that further self-sufficiency. A network of nonprofit organizations operates 24 emergency shelter facilities, 24 transitional housing facilities, and seven permanent supportive housing facilities within the County. Chapter 3: Community Needs Page 32 City of San Bernardino 2010-2015 Consolidated Plan Specifically, the County, individual jurisdictions, and numerous agencies oversee a total of 425 beds in emergency shelters, 461 beds in transitional housing shelters, and 157 beds in permanent supportive housing settings. Currently, 67 permanent supportive and 74 transitional housing beds are under development throughout San Bernardino County. The City has cooperative partnerships with numerous organizations that help with homeless services. Table 21 provides a list or homeless service providers within the City. Table 21: Homeless Partnerships Organization Name Location Services Arrowhead United Way 646 North'D'Street Health and human care services. Catholic Charities-San 1800 Western Avenue, Health and human care services. Bernardino #107 Center of Christ Ministries/Inland Empire 468 West 5th Street Health and human care services. Marriage Coalition Housing program for individuals affected with Central City Lutheran Mission 1354 North'G'Street HIV;Cold weather shelter program during the winter months,for men only;Health and human care services. Community Action Partnership 696 S.Tippecanoe Ave. of San Bernardino County Health and human care services. CAP First 5 San Bernardino Floor North'D'Street, 5th Health and human care services to children Floor under 5 and their families. Inland Behavioral Health 1963 North'E'Street Health and human care services; Substance Services, Inc. abuse treatment Transitional housing for single men and Phase 1 Transitional Living 1106 N. Barton St.Suite B women;or women with children. Health and human care services. The Salvation Army 746 West 5th Street Emergency Shelter;Cold weather shelter ro ram durin the winter months Health and human care services;Cold The Salvation Army 730 W. Spruce Street weather shelter program during the winter months; Motel Vouchers are provided to women and women with children Homeless shelter for women recovering from Time For Change Foundation 2130 N.Arrowhead Ave. the effects of mental and physical abuse, substance abuse and incarceration; Health and human care services Source:San Bemardino Housing Element,2008 Continuum of Care Gap Based on the homeless profile developed by the County of San Bernardino in the point-in- time survey and the capacity of facilities/services offered, the unmet need can be determined. As shown in Table 22, the San Bernardino County 2009 Continuum of Care identifies an existing need in the County for nearly 790 emergency shelter beds, 258 additional transitional beds, and 381 permanent supportive housing units for both individuals and person in families with children. Chapter 3: Community Needs Page 33 8 City of San Bernardino 2010-2015 Consolidated Plan . r rwAl r r r r . r r r KROMRMIIIII Current New Under Unmet Inventory Inventory Development Need/Gap Individuals Emergency EEmergency Shelter Beds 140 0 0 790 Transitional Housing Beds 142 36 0 0 Permanent Sup dive Housing Beds 132 0 17 361 Total 414 36 17 1151 Persons in Families with Children Emergency Shelter Beds 285 0 0 0 Transitional Housing Beds 276 7 74 258 Permanent Supportive Housing Beds 25 0 50 0 Total 586 7 124 258 Source: San Bemardino County 2009 Continuum of Care applicAim 8. Public and Assisted Housing Needs The Housing Authority of the County of San Bernardino (HACSB) manages 1,661 units of public housing throughout the County of San Bernardino. These units were developed with funding from HUD, and HACSB continues to receive operating subsidies for these units. Throughout the years, other non-HUD units were either acquired and/or developed through various partnerships with the State of California, San Bernardino County of Community Development and Housing, various cities and Housing Partners, Inc., a non-profit housing corporation. Throughout the County, HACSB has 1,136 authority-owned units, and 154 of those units are located in the City of San Bernardino. There are 19,807 people on the public housing waiting list; 5,780 of those live in the City of San Bernardino. The demographic information of public housing residents in both the County and City of San Bernardino is presented in Table 23. More than a quarter of public housing households have a disabled member and 10 percent have an elderly member. With regard to race, public housing residents are most likely to be White or Black (49 percent and 40 percent, respectively). Almost half (46 percent) of public housing residents are of Hispanic origin. Demographic information of the public housing waiting list is not available. Chapter 3: Community Needs Page 34 City of San Bernardino 2010-2015 Consolidated Plan . r r r r r • 1 �� . r Characteristic City of San County Bernardino Special Needs Elderly 10.3% 7.0% Disabled 25.4% 1 13.0% Race White 48.7% 56.5% Black 39.5% 36.1% American Indian 0.2% 0.6% Asian 6.2% 4.9% Native Hawaiian 2.5% 1.9% Other/Declined to Answer 2.9% Ethnicity Hispanic 46.1% 44.7% Non-His nic 53.1% 54.8% Declined to Answer 0.8% 0.5% Notes: 1. Data for family type calculates percentage of families with any family member exhibiting characteristic 2. Data for ethnicdy accounts for all persons in households receiving housing choice vouchers Source:Housing Authority of the County of San Bernardino,2010 Tenant-Based Rental Housing Assistance Section 8 is a rent subsidy program that helps low income families (those earning up to 50 percent MR) and seniors pay rents in private units. Section 8 tenants pay a minimum of 30 percent of their income for rent and the Housing Authority through funds provided by HUD pays the difference, up to the payment standard established by the Housing Authority. The program offers low income households the opportunity to obtain affordable, privately-owned rental housing and to increase their housing choices. The Housing Authority establishes payment standards based on HUD-established fair market rents. The owner's asking price must be supported by comparable rents in the area. Any amount in excess of the payment standard is paid by the program participant. As of 2009, 7,771 households received a Housing Choice Voucher (HCV), commonly referred to as Section 8, in the County of San Bernardino. Residents in the City of San Bernardino receive the largest proportion of those vouchers (2,249 vouchers). Countywide, approximately 68 percent of HCV recipients have children, are seniors, or are individuals with disabilities; approximately 47 percent are households with children, nine percent of households are headed by seniors, and 20 percent of all residents receiving a Housing Choice Voucher are disabled. The waiting list for the HCV Program has over 27,000 applicants, 7,453 of which are residents of the City of San Bernardino. Table 24 presents the demographic characteristics of HCV participants and those on the HCV waiting list. Chapter 3: Community Needs Page 35 City of San Bernardino 2010-2015 Consolidated Plan Table Demographics of . . Choice Voucher Participants Waiting List Partici ants Wai[in Q List City of San County City of San County Bemardino Bernardino Totals 2,249 7,771 7,453 27,412 Family Type Elderly 17.6% 9.0% 5.0% 5.9% Disabled 44.3% 20.0% 6.4% 1.6% Race White 36.8% 42.3% 22.1% 24.7% Black 55.2% 55.4% 56.7% 54.9% American Indian 0.5% 0.6% 1.3% 1.6% Asian 1.5% 1.6% 1.2% 1.1% Native Hawaiian 0.0% 0.1% 0.7% 0.7% Other/Declined to Answer 6.0% 18.0% 16.9% Ethnicity Hispanic 28.0% 25.2°k 27.4% 25.6% Non-Hispanic 72.0% 74.8% 62.7% 63.9% Declined to Answer - - 9.8% 10.4°k Notes: 1. Waiting list was dosed to new applicants in 2007 tl 2. Data for family type calculates percentage of families with any family member exhibiting characteristic 3. Data for ethnicity accounts for all persons in households receiving housing choice vouchers Source:Housing Authorly of the County of San Bernardino,2010 More than 44 percent of HCV participants are disabled, and almost 18 percent are elderly. More than half of HCV participants are Black (55 percent) and 28 percent are Hispanic. With regard to the waiting list, a small percentage of households contain an elderly or disabled member (5 percent and 6 percent, respectively). Racial/Ethnic characteristics of those on the HCV waiting list are predominantly similar to those persons currently receiving HCV assistance. Inventory of Federally Assisted Housing Units Eleven federally assisted multi-family housing projects provide 1,009 affordable housing units in the City of San Bernardino. Table 25 provides data on the City's federally assisted multi-family housing stock. Potential Conversion to Market-Rate Housing Among the 11 federally assisted multi-family housing projects, two projects are currently at risk of transitioning to market rates (Table 25). The Village Green Apartments is a 184-unit project that reserves 65 units for Section 8 vouchers. This development renews its Section 8 contract annually; as such it could transition out of its current agreement at any time. However, the development has renewed its contract consistently in the past. Sterling Village, an 80-unit apartment building including 74 low income family units, has an affordability covenant that is slated to expire in 2013. St. Bernardine Plaza, San Bernardino Senior Housing, AHEPA 302 Apartments, and the three TELACU projects are considered low risk projects. These are nonprofit-owned senior housing developments financed with Chapter 3: Community Needs Page 36 City of San Bernardino 2010-2015 Consolidated Plan Section 202 funds. Renewal of Section 8 contracts for these developments is given a priority by HUD. Federally Table 25: Assisted Potential ram Earliest Project Total Units Units Prog Expiration AHEPA 302 Apartments 90 90 Section 202 2064 Gilbert and Parkside Lutheran Senior 50 49 Bond/HOME 2040 2355 N.Osborn Road Little Zion Manor 125 125 Section 8 2021 2000 Jubilee Ct. Pioneer Street Plaza 161 160 Section 8/RDA L/M 2055 540 North F Street San Bernardino Senior Housing 74 74 Section 202/HOME 2056 1530 W. Baseline Street St. Bernardine Plaza 150 148 Section 202/HOME 2034 584 West 5th Street Sterling Village 74 74 Section 8 4/2812013 7630 Staring Avenue TELACU I Sierra Vista 75 75 Section 202 2057 650 W 6th Street TELACU II Monte Vista 75 75 Section 202 2057 451 H Street TELACU III Buena Vista 75 74 Section 202 2059 365 E Commercial Village Green Apartments 184 65 Section 8 5/31/2010 2122 Chestnut Street Total 1,133 1,009 The City of San Bernardino Economic Development Agency (EDA) has preserved assisted multi-family rental housing in the past by working with public and private housing agencies that have expressed an interest in the right of first refusal. The EDA plans to use redevelopment low income housing set-aside funds to support the preservation of units at- risk of converting to market rate and facilitating the transfer to nonprofit organizations capable of managing and maintaining the units. The City maintains a database of qualified entities interested in acquiring and managing affordable housing. Chapter 3: Community Needs Page 37 City of San Bernardino 2010-2015 Consolidated Plan B. Market Conditions This section addresses characteristics of the housing supply in the City of San Bernardino, including type, age, condition, costs, and availability. The implications of these housing characteristics with respect to housing programs are also examined. 1. Housing Growth In 2009, the California Department of Finance estimated that there were 66,640 housing units in San Bernardino, an increase of five percent since 2000 (Table 26). San Bernardino's housing growth over the past nine years was comparable to the growth experienced by nearby cities, including Redlands and Rialto. Other surrounding cities, such as Fontana, however, experienced tremendous growth in housing units (40 percent) between 2000 and 2009. The countywide increase in housing units was 15 percent during the same period. Table 26: Housing r 000 and 2009 Jurisdiction Housing Units Percent Change 2000 2009 2000.2009 San Bernardino 63,531 66,640 5% Fontana 35,907 50,365 40% Redlands 24,790 26,807 8% Rialto 26,048 27,075 4% San Bernardino County 601,369 690,234 15% Source:Stale of California,Department of Finance,E-5 Population and Housing Estimates for Cities,Counties and the Stale,2001-2009,with 2000 Benchmark.Sacramento,California,May 2009. 2. Housing Type The City of San Bernardino's housing stock is comprised primarily of single-family homes. According to California Department of Finance estimates, single-family homes accounted for 63 percent of the housing stock in the City, whereas multi-family housing accounted for 30 percent in 2009 (Table 27). Seven percent of housing units in the City are mobile homes. Surrounding jurisdictions share similar housing type characteristics, with all surrounding jurisdictions having considerably greater proportions of single-family homes. A total of 75 percent of housing units in San Bernardino County are single-family homes, compared to only 19 percent multi-family. Chapter 3: Community Needs Page 38 City of San Bernardino 2010-2015 Consolidated Plan Table 11' Housing T Jurisdiction Single Multiple Mobile Total Units Family Family Home San Bernardino 42,024 20,129 4,487 66,640 63% 30% 7% 10,268 5,185 815 16,268 Colton 63% 32% 5% Fontana 41,345 7,716 1,304 50,365 82% 15% 3% Highland 13,107 2,727 861 16,695 79% 16% 5% 4,909 3,737 562 Loma Linda 51% 41% 6% 9,208 Redlands 18,236 7,652 919 26,807 68% 29% 4% 19,633 5,639 1,803 27,075 Rialto 73% 21% 7% San Bernardino County 515,492 129,71°2 45,03°0 690 234 75k 19% 7k Source:State of California,Department of Finance,E-5 Population and Housing Estimates for Cities,CounBes and Me State,2001-2009,with 2000 Benchmark.Sacramento,California,May 2009. 3. Housing Tenure and Vacancy Housing tenure describes the arrangement by which a household occupies a housing unit, i.e., whether a housing unit is owner-occupied or renter-occupied. The way housing tenure is distributed in a community can influence different aspects of the local housing market. For example, residential stability is influenced by tenure, as ownership housing typically exhibits lower turnover rate than rental housing. Higher cost burden, which is defined by HUD as the ratio between payment for housing (including utilities) and reported household income, is far more prevalent among renters. A household's tenure is strongly related to household income, composition, and age of the householder. San Bernardino is closely split between owner and renter occupied housing units, with 49 percent owner occupied and 43 percent renter occupied. The remaining eight percent of housing units were vacant in 2008 (Table 28). Table 28: Housing 118 Jurisdiction Owner-Occupied RemerAccupied Vacant Units Housing Units Housing Units San Bernardino 30,977 49% 27,627 43% 5,323 8% San Bernardino Count 365,279 53% 215,082 31% 107,009 16% Source:U.S.Census Bureau,2008 American Commun!ty Survey Chapter 3: Community Needs Page 39 City of San Bernardino 2010-2015 Consolidated Plan 4. Housing Costs and Affordability Ownership Housing Cost Table 29 shows the median home prices for San Bernardino and surrounding jurisdictions in both October 2008 and 2009. The median home price in San Bernardino decreased by 29 percent between October 2008 and 2009, from $120,000 to $85,000. San Bernardino County as a whole, along with a majority of the cities within the county, had a similar decline in home prices, representative of the national housing and economic crisis. The median home price for the City of San Bernardino has remained approximately half that of the County during the decline. Table 29: Median Home Prices - 2009 Units Sold Median Home Prices %Change Jurisdiction October 2009 October 2008 October 2009 Oct 2008- Oct 2009 San Bernardino 367 $120,000 $85,500 -29% Adelanto 87 $122,250 $90,500 -26% Barstow 42 $95,000 $60,750 -36% Big Bear Lake 51 $335,000 $250,000 -25% Colton 57 $159,000 $110,000 -31% Fontana 363 $247,250 $210,500 -15% Grand Terrace 13 $241,250 $175,000 -28% Highland 67 $222,000 $160,000 -28% Loma Linda 15 $335,500 $188,000 -44% Redlands 60 $253,500 $260,000 3% Rialto 158 $190,000 $146,000 -23% Yucaipa 60 $258,500 $196,750 -24% San Bernardino Count 3,176 $200,000 $150,000 -25% Source:Data Quick Information S stems,2009 Rental Housing Cost Given the large rental market in the City (43 percent of all housing units are rented), it is important to evaluate the affordability of the housing stock available for rent. The following are 2010 rental rates based on an intemet search of available listings: • Studio: $525- $700 • One-bedroom apartment: $625 - $790 • Two-bedroom apartment: $795- $900 • Three-bedroom apartment: $900 -$1,250 • Three-bedroom home: $1,100 - $2,200 Chapter 3: Community Needs Page 40 City of San Bernardino 2010-2015 Consolidated Plan Housing Affordability Housing affordability for a household is dependent upon income and housing costs. Using income limits established by HUD, current housing affordability can be estimated for the various income groups (Table 30). Table I: Housing Affordability Bernardino County - 2009 Income Levels Maximum Affordable Income Group I Utilities Taxes& Housing Costs Annual Affordable Insurance Income Home Rental Payment Extremely Low(0-30%MFI) One Person $14,000 $350 $50 $80 $38,674 $300 Small Family 1 $18,000 $450 $50 $90 $54,495 $400 Large Family $21,600 $540 $50 $100 $68,558 1 $490 Low(30-50%MFI) One Person $23,300 $583 $50 $115 $73,392 $533 Small Family $29,950 $749 $100 $130 $91,191 $649 Large Family $35,950 $899 $150 $145 1 $106,133 1 $749 Moderate(50-80%MFI) One Person 1 $37,300 $933 $50 $165 $126,129 $883 Small Family $47,950 $1,199 $100 $190 $159,749 $1,099 Large Family $57,550 $1,439 $150 $220 $187,875 1 $1,289 Notes: L Small Family=3 persons;Large Families=5 or more persons 2. Monthly affordable rent based on payments of no more than 30%of household income 3. Property taxes and insurance based on averages for the region 4. Calculation of affordable home sales prices based on a down payment of 10%,annual interest rate of 6.5%,30-year modgage,and monthly payment of gross household income 5. Median Family Income in 2009 for San Bernardino County=$65400 Given the median home prices presented in Table 29, homeownership and market rents may be within the reach of some low and moderate income households due largely to declines in home prices during the 2007-10 recession. However, extremely low income households cannot afford market rents in the City of San Bernardino. 5. Housing Condition To ensure a suitable living environment, housing in a community should meet health and safety standards and not present a hazard to residents. Chapter 3: Community Needs Page 41 I City of San Bernardino 2010-2015 Consolidated Plan Age of Housing Stock State and federal housing programs typically consider the age of a community's housing stock when estimating rehabilitation needs. In general, most homes begin to need repairs and rehabilitation when they reach 30 to 40 years old. Table 31 shows that approximately 49 percent of the San Bernardino housing stock is over 30 years old, indicating the possibility of needed repair and rehabilitation on half of the housing stock. Table 31: Aqe of Hou5ing Stock - 2008 Number of Units Percent of Total Year Built San San Bernardino San San Bernardino Bernardino Count Bernardino Count 1939 or Earlier 5,710 30,447 9% 4% 1940-1949 5,820 26,780 9% 4% 1950-1959 13,191 81,118 21% 12% 1960-1969 8,114 75,252 13% 11% 1970-1979 10,082 120,497 16% 18% 1980- 1989 12,354 163,554 19% 24% 1990-1999 4,894 91,457 8% 13% 2000-2004 2,206 64,461 3% 9°k 2005 or Later 1,556 33,804 2% 5% Total 63,927 687,370 100% 100% Source:U.S.Census Bureau,2008 American Communo Surve Housing Deficiencies The U.S. Census Bureau's 2008 American Community Survey contains information regarding the number of housing units that lack complete plumbing or complete kitchen facilities. These conditions are both indicators of deficient housing units. Approximately 537 units in San Bernardino lacked complete plumbing and 488 units were without kitchen facilities (Table 32). The percentage of units in the City that lacked complete plumbing was slightly higher than in the County as a whole. The percentage of units lacking complete kitchen facilities was the same for both the City and the County. Table 32: Housing StOGk 1 11' Units Lacking Complete Units Lacking Complete Jurisdiction Plumbing Kitchen Facilities Number of %of Total Number of %of Total Uin Occu ied Units Units Occupied Units San Bernardino 537 0.90% 488 0.80% San Bernardino County 3,256 0.60% 4,921 0.80% Source:U.S.Census Bureau,2008 American Community Surm Lead-Based Paint Hazards Lead poisoning can affect nearly every system in the body and its effects are especially harmful to young children. According to the Centers for Disease Control (CDC), approximately 250,000 children aged one to five years in the United States have elevated levels of lead in their blood. Several factors contribute to higher incidents of lead poisoning: Chapter 3: Community Needs Page 42 City of San Bernardino 2010-2015 Consolidated Plan • All children under the age of six years old are at higher risk. • Children living at or below the poverty line are at a higher risk. • Children in older housing are at higher risk. • Children of some racial and ethnic groups and those living in older housing are at disproportionately higher risk. The CDC has determined that a child with a blood lead level of 15 to 19 micrograms per deciliter(Ng/dl) is at high risk for lead poisoning and a child with a blood lead level above 19 Ng/dl requires full medical evaluation and public health follow-up. Lead Hazards Between 2006 and 2009 (three years), the County of San Bernardino Department of Public Health's Childhood Lead Poisoning Prevention Program reported 396 children with elevated blood lead levels (BLL) of 10 micrograms per deciliter(mcg/dL)or greater. The cities of San Bernardino, Fontana, Ontario, and Colton had the highest number of cases, respectively. Cases in the City of San Bernardino accounted for 32 percent of total cases in the County during that three-year period. Estimating Number of Housing Units with Lead-Based Paint The age of the housing stock is an important factor in estimating the number of housing units with lead-based paint. In 1978, the use of lead-based paint on residential property was prohibited. National studies estimate that approximately 70 percent of all residential structures built prior to 1978 contain lead-based paint (LBP), and older structures have the highest percentage of LBP. CHAS data provides the number of housing units constructed before 1970 that were occupied by lower income households. This data can be used to approximate the extent of LBP hazards among lower income households. While information on units constructed before 1978 is not available from CHAS, estimates based on the pre-1970 stock provide a conservative depiction of the extent of LBP hazards. Citywide, approximately 1,023 units occupied by extremely low income households, 3,120 units occupied by low income households, and 4,276 units occupied by moderate income households may contain LBP (Table 33). ROM I&III[o =W 6 I • r rIIJl Number of Units Occupied by Percent Estimated Number of Units with Year Units Low/Moderate Income Households Units LBP and Occupied Low/Moderate Income Households Built Extremely Low Moderate LBP Extremely Low Moderate Low' Low Before 1970 1,461 1 4,458 1 6,109 70% 1,023 1 3,120 1 4,276 1.Owner occupied units for extremely low income group not available.Figure includes only rental units 2.Conservative estimate of potential lead hazard Source:HUD CHAS Data,2004. i i Chapter 3: Community Needs Page 43 City of San Bernardino 2010-2015 Consolidated Plan Resources for Reducing Lead Hazards The County of San Bernardino administers the HUD Lead Hazard Control Grant, offering free home renovation services for low income families who live in residences built before 1978, have children younger than the age of six, and meet income guidelines. The services include testing of paint, soil, and dust for lead, a visual assessment of the property, assisting with remodeling and/or renovation to remove, minimize, or contain areas contaminated with lead, and inspections. C. Barriers to Affordable Housing Both governmental and non-governmental factors can act as barriers to the provision of adequate and affordable housing in a community. Barriers to the production of housing can significantly impact households seeking decent housing, especially those households with low incomes and special needs. 1. Governmental Constraints Certain policies and actions of the City can act as a barrier to affordable housing by directly impacting the production cost and availability of housing within the City. Land use regulatory controls, site improvement requirements, building codes, fees, and other local policies to improve the overall quality of housing may serve to constrain affordable housing development. Land Use Controls The Land Use Element of the San Bernardino General Plan sets forth policies that guide the amount and type of local development and growth. Taken together with zoning regulations, these policies establish the various types, intensity, and standards for land uses in the City of San Bernardino. The land use designations established in the General Plan are implemented through the City's Development Code. Residential development standards in the Development Code that often determine the number of units that can be constructed on a particular site are: • Minimum lot area and dimensions • Maximum density per acre • Maximum lot coverage • Height limit • Density Bonuses • Open space • Parking The City's Housing Element determined that these standards are similar to those of surrounding cities and do not pose a significant constraint to affordable housing development. Chapter 3: Community Needs Page 44 City of San Bernardino 2010-2015 Consolidated Plan Local Entitlement Processing and Fees Various impact fees and assessments are charged by the City to cover the costs of processing permits and providing services and facilities, such as utilities and infrastructure for new developments. San Bernardino's fees reflect a fair share of the costs of providing permitting, infrastructure, and services for new residences; almost all of these fees are assessed through a pro-rata share system, based on the magnitude of the project's impact or on the extent of the benefit that will be derived from the services or facilities for which the fees are charged. In addition to on-site improvements that may be required as part of a project's development, off-site improvements may also be imposed to ensure a development pays its share of the local cost of expansions in services, facilities, and infrastructure. Such improvements may include water, sewer, and other utility line extensions; street construction; and related projects. Dedications of land or in-lieu fees may also be required of a project for right-of-way, transit facilities, recreational facilities, and school sites consistent with the City's Subdivision Ordinance. Table 32 provides a list of the City's planning and development fees as of 2009. Fees have been set at a level necessary to cover the costs to the City to provide this needed infrastructure to the community. San Bernardino's fees are not high relative to other cities in the County. However, fees do contribute to the cost of housing, and may constrain the development of lower priced units. Building Codes and Enforcement The cost of construction is impacted by compliance with building code standards. While code compliance can add to the cost of development, building codes and code enforcement is necessary to protect the public's health, safety, and welfare. Although rigorous building codes require a higher level of construction quality, which can increase the cost of development, the long-term benefits outweigh the cost saving from unsound engineering or poor construction. Initial compliance will also ensure that no additional costs will occur since no code violations will result. The City of San Bernardino's building standards include the California Building, Electrical, Plumbing, Mechanical, and Energy Codes, and Disabled Access Regulation contained in Title 24 of the California Code of Regulations. Chapter 3: Community Needs Page 45 City of San Bernardino 2010-2015 Consolidated Plan Table Bernardino Schedule of rr• Fee Type Fee Amount Planning Division Conditional Use Permit Condo, PRO, HMOD,Guest House $2,167.26 Development Permit: Type 1 (Director Review) $1,102.65 Type 2(Dev. Review Committee) $7,039.80 Type 3(Planning Commission $7,334.82 Tentative Parcel Ma $4,262 plus$65 per parcel Tentative Tract Ma for Single-Family Residential,Condos,or P.R.D. $7,561.00 plus$65 per lot or unit Emaineerina Division Assessment District $6,018.25 Community Facility District: Verdemont Area Only $7,151.25 Residential in Lieu Fee $394.40 Residential if in CFD 2009/2010 $48,975.34 per acre Source:City of San Bemardino,2009 2. Non-Governmental Constraints The ability to fulfill housing needs is greatly constrained by factors prevalent in the housing market. Non-governmental factors inhibiting the availability of housing include housing costs, land prices and construction costs, financing costs, existing neighborhood conditions, and consumer expectations. Land and Construction Costs The high cost of development in Southern California can be a constraint to new affordable housing construction. As housing prices and associated land costs skyrocketed over the last decade, affordable housing developers were forced to find additional subsidies to finance development. However, the recent downturn in the housing market has caused both land and construction costs to decrease substantially. The cost of residential land has a direct impact on the cost of a new home and is, therefore, a potential market constraint. The higher the land costs, the higher the price of a new home. San Bernardino contains both vacant land and infill development opportunities suitable for residential development. Land prices in the City vary greatly depending on the location of and type of development permitted. Research of Internet real estate database www.loopnet.com showed that a single-family parcel in the northern foothills of the City was for sale for$321,622 per acre, while a multi-family parcel in the southern half of the City was for sale for$51,256 per acre. The costs of construction (i.e., labor and materials) also have a direct impact on the price of housing. Residential construction costs vary greatly depending upon the quality and size of :he home being constructed and the materials being used. A significant constraint to housing families is the specific design features (lack of recreational facilities or unit size and design) in individual projects that are not suited for families with children. In addition, design features such as stairs, hallways, doorways, counters, and plumbing facilities restrict access by persons with disabilities. Chapter 3: Community Needs Page 46 City of San Bernardino 2010-2015 Consolidated Plan Availability of Financing Financing is a significant factor in overall housing cost. While the costs of land and construction have decreased, the availability of financing is constrained as lenders are tightening standards for lending. Interest rates impact housing costs in two ways. The costs of borrowing money for the actual development of the dwelling units are incorporated directly into the sales price or rent. Additionally, the interest rate of the homebuyer's mortgage is reflected in subsequent monthly payments. Many consumers can be priced out of the housing market due to variations in interest rates and tight lender standards. Vacancy Rate Vacancy rates may be viewed as both an opportunity and constraint. High vacancy rates can assist in keeping rents and housing prices low. On the other hand, a high vacancy rate severely discourages construction of new housing units and can act as a deterrent or disincentive to property owners to make improvements and even repairs. The closure of major businesses in recent and not-so-recent years, and particularly the closure of Norton Air Force Base in 1994, has had a far-reaching negative impact on the economy of the City and directly contributed to the high vacancy within the community. Unlike other military base closures in California and the nation, the Norton closure was particularly significant within San Bernardino. Unlike other military bases, Norton had very limited on-base housing and relied heavily on privately owned housing market supply within the City and surrounding cities. In turn, local landlords relied heavily on Norton to provide a steady supply of tenants. That fact is demonstrated by the historical vacancy rates within the City: prior to 1994, the vacancy rates traditionally ran at five percent or less. The 1990 Census showed a vacancy rate of 5.2 percent. In 1995, following the base closure, that rate jumped dramatically to over 17 percent; and since 1995, the rate has been steady at 11 percent. (While a quarter of those vacant units were boarded up/abandoned units, the overall vacancy rate of for-sale and for-rent units was still high at over eight percent.) Most statisticians and economists agree that a vacancy rate exceeding four to five percent is unhealthy with respect to a local economy, and results in depressing the housing market, particularly with respect to new construction. According to the California Department of Finance, the City's vacancy rate was estimated to be 11 percent in 2009. Foreclosures HUD calculates foreclosure and vacancy rates in San Bernardino by Council Ward and Census Tract, revealing that over 44 percent of loans on homes in San Bernardino are subprime and the foreclosure rate in 2009 is nearly 12 percent. San Bernardino has the second highest municipal foreclosure rate in the State. According to the real estate and foreclosure website RealtyTrac, between January 2008 and April 2009, 3,799 San Bernardino homes were foreclosed. In the second quarter of 2008, lenders filed approximately 11,800 notices of default in San Bernardino, indicating an increase of foreclosure activity. In turn, lenders have implemented stricter lending standards in an effort to avoid foreclosures resulting in less financing options for low and moderate income households. Local housing market conditions have discouraged some of the new homebuilding that the City could have otherwise expected. This has resulted in reduced opportunities for low and moderate income families to become first-time homebuyers, and has discouraged many Chapter 3: Community Needs Page 47 City of San Bernardino 2010-2015 Consolidated Plan middle and upper income households from considering San Bernardino as a potential place to live. The City is an active partner in preventing foreclosures and maintaining foreclosed properties. The City competitively applied for and received neighborhood stabilization funds made available under Title III of the Housing and Economic Recovery Act of 2008 and administered by HUD under the Neighborhood Stabilization Program (NSP1). The City is using these funds to purchase foreclosure properties, rehabilitate mufti-family and single- family units, stabilize neighborhoods, and curtail the decline of home values. The City is also a recipient of NSP2 funds, authorized under the American Recovery and Reinvestment Act of 2009 (ARRA). The ARRA directs HUD to narrow the Feld of qualified geographies based on need. As such, the City identified Target Zones that are eligible for neighborhood stabilization through NSP2 funds. These Target Zones experience extremely high rates of foreclosures, code enforcement incidents, and crime. The City is preparing a focused neighborhood acquisition and rehabilitation strategy through partnerships with nonprofit housing corporations. Constraint Removal Efforts The City of San Bernardino has instituted actions aimed at reducing the impact of the public sector role in housing costs. The City works to continually remove barriers to affordable housing by implementing a Housing Element that outlines actions to reduce housing costs and facilitate new affordable housing development. Major efforts have involved the reduction in entitlement processing time. In the early 1990s, the City undertook a major revision to its zoning code and land use regulations with the stated intent to simplify and streamline the land development process. The outcome was a new Development Code with a rewrite of the Development Review process. The new procedure was used as a tool to expedite the review and approval process. Other City efforts to reduce the barriers to affordable housing include the following: • Density bonuses: A density bonus provision in the Development Code allows increased density for multi-family low income units. • Economic Development Agency: Through the Economic Development Agency, the City provides cost savings through financing options. Programs include, but are not limited to homebuyer assistance program and owner rehabilitation grants. • Downtown Core Vision: The City encourages and facilitates the development of new housing, including affordable housing, in Downtown San Bernardino and along transit lines through the Downtown Core Vision. 3. Fair Housing Fair housing is a condition in which individuals of similar income levels in the same housing market have a like range of choice available to them regardless of race, color, ancestry, national origin, religion, sex, disability, age, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor. Fair housing prohibits discrimination in housing choice because of protected class status. Chapter 3: Community Needs Page 48 City of San Bernardino 2010-2015 Consolidated Plan The Fair Housing Act requires that HUD programs be administered in manners that will "affirmatively further fair housing." Jurisdictions must show a commitment to affirmatively further fair housing choice by: • Conducting an Analysis of Impediments to Fair Housing Choice • Taking appropriate actions to overcome the effects of impediments identified through that analysis • Maintaining records that reflect the analysis and actions Fair Housing Impediments Fair housing impediments are any actions, omissions or decisions which restrict housing choices or the availability of housing choices on the basis of race, color, ancestry, national origin, religion, sex, disability, age, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor. The City's current Analysis of Impediments (AI) to Fair Housing Choice (2010-2015) concludes that some impediments identified in the 2006 Al persisted in 2010. Specifically, impediments related to program information availability and landlord discrimination continued to be issues in 2010. In response, the 2010 At recommends the following actions be taken to address these impediments: • Provide advertisements and workshops related to the Homebuyer Assistance Program in both Spanish and English to inform residents about this program and target lower income households through advertising. • Provide information about the Mobile Home Grant Repair Program and the Elderly/Special Needs Minor Repair Grant Program in the City's brochures, advertisements and website in both English and Spanish. • Continue outreach efforts through fair housing service provider to educate landlords and tenants regarding fair housing rights and responsibilities. Random audits should be conducted periodically to identify problem properties and implement reconciliation efforts. The 2010 Al also identified a number of new impediments, or substantially revised recommendations. The 2010 Al included the following actions to address fair housing impediments: Fair Housing Services • Provide links to fair housing and other housing resources on City website and at public counters. • Continue efforts on public education related to tolerance to deter hate crimes and continue to participate in and sponsor events that celebrate diversity. Housing Development and Demographics • Continue to encourage the development of affordable housing and provide housing assistance for rehabilitation, with targeted outreach to minority households. • Require that staff members in each department, specifically those who interact with the public, attend cultural diversity training periodically but at a minimum at time of employment. Chapter 3: Community Needs Page 49 City of San Bernardino 2010-2015 Consolidated Plan • Provide outreach to inform lower income and minority households of special local, State and federal homebuyer assistance programs. • Continue efforts to expand the variety of available housing types and sizes to meet senior and large household needs and allow residential mobility among residents. • Consider modifying housing rehabilitation programs to make financial assistance for accessibility improvements available for renters, as well as homeowners. • Adopt a formal Reasonable Accommodations ordinance by June 2010, in accordance with the Housing Element. • Consider incentivizing or requiring universal design features in new construction or substantially rehabilitation of housing, especially projects that receive financial assistance from the City. • Ensure developers and housing providers utilizing local, State, and federal funds adhere to the Affirmative Fair Marketing Plan as required. • Promote economic development and expand the housing stock to accommodate a range of housing options and income levels. • Strive to achieve a diversity of members serving on commissions that influence and guide city policies, reflecting the race, ethnicity, and other socio-economic characteristics of the City of San Bernardino. Lending Practices • Review the lending patterns of all financial institutions that provide financial services to the City and participate in City loan programs. • In selecting financial institutions to participate in housing programs, consider the lender's performance history with regard to home loans in low and moderate income areas and minority concentration areas, as well as the lender's activity in other Community Reinvestment Act (CRA) activities such as participation in affordable rental housing projects under programs such as bond financing, tax credit, or the Federal Home Loan Bank Affordable Housing Program. • Expand outreach efforts to minority households, especially Black households, to raise awareness of and education about homeownership opportunities. Housing Market Conditions Increase efforts to promote the housing rehabilitation programs. Public Policies • Pursue State certification of the Housing Element. • Revise definition of 'family" in zoning code, remove pyramid zoning, remove development permit approval for second units, allow emergency shelters in an overlay zone, and be consistent with State law regarding senior, transitional, supportive housing, and density bonus. Inland Fair Housing and Mediation Board The Inland Fair Housing and Mediation Board (IFHMB) is a fair housing agency that serves the County of San Bernardino, including the cities of Apple Valley, Chino, Chino Hills, El Centro, Fontana, Glendora, Hemet, Hesperia, Ontario, Rancho Cucamonga, Rialto, San Bernardino, Upland, and Victorville. The agency was established in 1980 and has worked to address discrimination in housing. IFHMB continues to educate the community at large as to their rights and responsibilities under fair housing laws. IFHMB intakes and investigates discrimination complaints and works in partnership with HUD and the California State Chapter 3: Community Needs Page 50 City of San Bernardino 2010-2015 Consolidated Plan Department of Fair Employment and Housing (DFEH) in addressing discrimination in housing. The following are some of the services IFHMB provides: Fair Housing - Provides services mandated by Federal and State Fair Housing laws. These laws prohibit the discrimination of individuals in the sale or rental of housing. Services include providing information and education, mediation, investigation, or referral of housing discrimination complaints. Education/Outreach - Provides workshops to community meetings, housing owners/ managers, realtors, newspapers, service organizations, high schools, colleges, English as a Second Language (ESL) participants, and other organizations or persons interested in learning about State and federal housing laws and how to recognize and avoid housing discrimination and the corresponding rights and responsibilities. Landlord/Tenant Mediation - Provides information on landlord and tenant rights and responsibilities under the California Civil Code. In addition, the staff will offer to mediate conflicts between tenants and landlords. Housing mediation is a useful tool to promote resolutions to problems and avoid needless litigation in the rental housing industry. HUD Certified Comprehensive Counseling - Provides counseling to homeowners who are delinquent on FHA loans regarding options available. Conducts pre-purchase and first time homebuyer education workshops to inform potential homebuyers of the home-buying process and their rights and responsibilities as homeowners. Counsels senior citizens who are interested in reverse equity mortgage programs. Senior Services - Actively and successfully mediates conflicts between seniors and Social Security, Medi-Cal, utility companies, collection agencies, neighbors, and other areas in dispute. Provides care referral services. Offers help in filing for HEAP and Homeowner/Renter Assistance. Alternative Dispute Resolution (ADR) - California Dispute Resolution Act of 1986 provides the authority for mediation in the legal court system. IFHMB has a contract with the County of San Bernardino to provide mediation with small claims and unlawful detainer lawsuits in all of the courts in San Bernardino County. Mobile Home Mediation - Specialized problem solving (based on Mobile Home Residency Law) that reflects the dual ownership and a unique life style of the mobile home community. Conducts workshops for education and to assist residents to file for refunds on utility and property tax burdens. A representative of the Inland Fair Housing and Mediation Board attended the January 21, 2010 community meeting. The group discussed fair housing concerns, and the IFHMB representative noted that in San Bernardino, the most common complaint they hear is related to fair housing violations against people with disabilities. In the past, the most common complaint had been with regard to race. It was also noted that the need for reasonable accommodation and education among property owners and landlords was important and necessary. Chapter 3: Community Needs Page 51 City of San Bernardino 2010-2015 Consolidated Plan D. Community Development Needs CDBG funds can be used for a variety of supportive services and community development activities. These include community services, supportive services for persons with special needs, community facilities, public and infrastructure improvements, and economic development. Similarly, Emergency Shelter Grants (ESG) can be used to address the needs of the homeless. The previous sections focus primarily on the City's housing-related needs. This section of the needs assessment describes the City's community development needs, including: • Community and Special Needs Services • Neighborhood Services • Community Facilities and Infrastructure Improvements • Economic Development The Community Development Needs discussions are based on consultation with staff from the City, results of the community needs survey, information from various existing documents, and comments from the Economic Development Agency's Community Development Citizens Advisory Committee (CDCAC) and social service providers, public agencies, and residents that attended the community meeting on January 21, 2010. The comments received at the outreach meeting and results of the community survey are discussed below. 1. Public Outreach Community Development Needs Results As part of the community outreach effort for the 2010-2015 Consolidated Plan, a community meeting was held and a survey was circulated to residents to ascertain priority community development and housing needs. Community Meeting On January 21, 2010, the City held a community meeting to discuss priority housing and community development needs in the City. Staff conducted extensive outreach to reach a broad cross-section of the community and to encourage attendance. More than 15 residents and representatives of service provider agencies attended, in addition to the five Community Development Citizens Advisory Committee (CDCAC) members in attendance. CDCAC is in charge of making recommendations to the City Council regarding the use of CDBG public service funds (up to 15 percent of the City's annual CDBG allocation). Service providers that attended the Consolidated Plan community outreach meeting included: Time for Change, Central City Lutheran Mission, Inland Fair Housing & Mediation Board, Project Life Impact, Universal Nursing Systems, A Servant's Heart Outreach, St. John's Success Center, Apartment Association Greater Inland Empire, and OMNIP. Housing was one of the primary issues discussed by participants at the San Bernardino Consolidated Plan community meeting. The housing-related comments have been summarized previously under Public Outreach Housing Needs Results on page 28. Below is a summary of the overall themes related to community development addressed during the community meeting. Chapter 3: Community Needs Page 52 City of San Bernardino 2010-2015 Consolidated Plan Homelessness Participants discussed the economic downturn, increasing foreclosures, rising unemployment, and resulting increase in homelessness. Participants noted that school districts were reporting an increase in homeless children. In addition to shelter with related counseling and services, emergency food is needed to assist this special needs group. Transitional housing was also discussed as a meaningful component of the effort to reduce homelessness; transitional housing provides the needed services and support to transition from homeless to self-sufficiency and permanent housing. Participants also noted the need for shelters for victims of domestic violence, as well as emergency housing with extended care services for persons with HIV/AIDS. These programs should have a direct connection to the hospitals, so that referrals can be provided and there is no gap in the delivery system. Parks and Recreation/Community Facilities Participants noted the need for expanded and augmented parks and community centers to provide needed services. Community centers should provide a mixed-age environment, with programs for all kinds of residents. Programs should also be high-tech to encourage use and facilitate youth understanding of new technologies. Service providers noted the need for affordable facilities for nonprofit organizations so that they can run efficiently and remain in San Bernardino. Public Services Participants noted that the primary public service need was for programs and activities for youth and children. The City of San Bernardino is a family-oriented community, with more than 38 percent of the population being children. The need for youth services is extensive, particularly for the large and minority families that tend to earn lower income or have less disposable income. These programs should involve lively activities that keep children engaged. The City has a relatively high rate of crime, youth programs can prevent youth from becoming involved in crime by getting them off the streets and into places where they can both have fun and learn the skills they need to help them in life. Counseling and health care for families in crisis was also noted as a need. Senior services, including nutrition programs were also noted as a need. Finally, employment and job training was discussed as a need, especially in light of continuingly rising unemployment rates. Service providers discussed the benefits of agency collaboration to offer consolidated services through partnerships and engagement with parents, schools, and other agencies. Community Survey The Housing and Community Needs Survey assesses community opinions and concerns in following community development needs categories (housing needs have previously been summarized): • Community Facilities • Community Services • Infrastructure Improvements • Economic Development Chapter 3: Community Needs Page 53 City of San Bernardino 2010-2015 Consolidated Plan • Special Needs Services These needs categories were further divided into specific topics, such as "community centers" (from the Community Facilities category), "streeValley improvements" (from the Infrastructure category), and "senior services and activities" (from the Community Services category). For each category, the respondent was asked to indicate unmet needs that warrant expenditure of public funds by ranking the relative importance of each topic. In tabulating the survey results, an average score was calculated for each need category; the lower averages (and closer to 1) represent the community's assessment of that category as more in need (and therefore higher in the rank order). The three highest-ranked activities/programs for each needs category are presented in Table 35. More detailed information is provided in Appendix A. Table Development ee Needs Category Highest Ranked Activities/Programs Rank Order Fire Stations&Equipment 1 Community Facilities Youth Centers 2 Health Care Facilities 3 Anti-Crime Programs 1 Community Services Youth Activities 2 Health Services 3 nfrastructure Street/Alley Improvement 1 j Improvements Street Lighting 2 Code Enforcement 3 Job Creation/Retention 1 Economic Development Small Business Loans 2 Employment Training 3 Neglected/Abused Children Center and Services 1 Special Needs Services Homeless Shelters/Services 2 Domestic Violence Services 3 2. Community Development Needs The following discussions are based on consultation with staff and existing studies and reports. Community and Special Needs Services The City has a number of special needs groups in need of public service assistance, including seniors, youth, disabled persons, persons at risk of homelessness, and homeless persons. According to San Bernardino County's Department of Human Services 2008 Annual Report, 32.7 percent of the City's population was on some form of public aid (Cash Aid, Food Stamps, and/or Medical) during 2007. In addition, according to San Bernardino Unified School District's Research and Statistical Department, of the 53,430 students enrolled, 83 percent qualify for the District's "Free and Reduced Lunch Programs." Chapter 3: Community Needs Page 54 City of San Bernardino 2010-2015 Consolidated Plan San Bernardino has been at the helm in developing a strong collaboration with for-profit and non-profit organizations to access Federal and State programs to provide necessary public support services for families or individuals in need of assistance. Neighborhood Services and Code Compliance The City's Code Compliance Department enforces the codes that govern the use and maintenance of private property. The codes were developed to prevent blight and other nuisances that can devalue, detract, and degrade the quality of any neighborhood. Most of the City's codes pertain to private residential property, but some codes regulate the condition of commercial properties as well. As an older city, many of San Bernardino's neighborhoods are experiencing signs of decline. As a result, the Code Compliance Department("Code') has divided the City into six revitalization areas located within low income Census tracts. Two Code Compliance officers are assigned to each of the following areas: Between West 14'" Street on the north, West 13" Street on the east and North "K" Street on the west, and the 1-215 Freeway on the east West Baseline Street on the north, West 9"' Street on the south, Western Avenue on the west, and North Mt. Vernon on the east • 18' Street on the north, 13`" Street on the south, North "D" Street on the west, and North Sierra Way on the east • West King Street on the north, West Rialto Avenue on the south, North Mt. Vernon Street on the west, and North "K" Street on the east • Between North Sierra Way on the north and West 40'" Street on the south Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive Many of the City's low income neighborhoods have higher incidents of code violations. There are a number of factors that influence this higher rate, including an older housing stock, lack of return on income investment, and/or lower income residents with limited or fewer resources for housing maintenance. Code Compliance officers enforce codes and inform violators of compliance issues by issuing citations to rectify the problem. Code Compliance's Neighborhood Revitalization efforts work in concert with the Redevelopment Agency's Housing Revitalization Programs that utilize redevelopment housing set-aside funds to assist low and moderate income households with needed repairs. Programs include the Single Family Exterior Beautification Grant, the Elderly/Special Needs Minor Repair Grant Program, and the Mobile Home Grant Program. The Code Compliance Department and the Redevelopment Agency work in tandem with the City's local non-profit partners to provide Preventative Maintenance and Homebuyer Education classes to City residents. A majority (72 percent) of the City is located within a redevelopment project area. CDBG funds are used to help support Code Enforcement in the low and moderate income areas. A portion of the funding is used to demolish substandard structures. The Code Compliance Department works in tandem with the Economic Development Agency relative to demolition of substandard buildings, Neighborhood Initiative Program (NIP) in the Target Areas and stabilizing of neighborhoods. Chapter 3: Community Needs Page 55 City of San Bernardino 2010-2015 Consolidated Plan San Bernardino Taking Action Against Graffiti (SB TAAG) SIB TAAG is a multi-faceted partnership of City departments, local agencies, and the community. The mission of SIB TAAG is to eliminate graffiti in San Bernardino through eradication, education, and enforcement to create a more beautiful San Bernardino. The City maintains a graffiti hotline and graffiti complaints can also be submitted on line. In addition, in 2010 San Bernardino launched an iPhone app that allows users to take a picture of local issues that need resolving (e.g., pot holes, barking dogs, and graffiti) and send the picture to the City. The app knows the exact location and sends the issue directly to the staff member who can fix it. The GPS and camera features built into the iPhone make it simple for residents to alert City officials about a variety of issues around the clock while they're mobile. Residents will know that their issue went to the right person without ever going to an office or sitting down at a computer, and they can also receive status updates on their issues. The iPhone app can be downloaded for free from the iPhone App or by going to the City of San Bernardino's website. Community Facilities and Public Improvements The City's five-year Capital Improvement Program (2007-2012) represents a key community and economic development tool to implement the priorities detailed in the Consolidated Plan. The Capital Improvement Program allocates funding for targeted public investments that support revitalization of the City's older neighborhoods and downtown San Bernardino as well as new development projects that will create employment for local residents. The CIP covers six primary categories of capital investments, including general buildings, streets and street lighting, sewers, storm drains, traffic controls, and parks and recreation. Projects in the general buildings, streets and street lighting, and parks and recreation categories may be funded with CDBG funding, among other sources. The San Bernardino Development Services Department is responsible for the maintenance and improvement of the traffic control system, parks and recreation, public facilities such as fire stations, storm drains, and sewers. Development Services/Engineering Department The City of San Bernardino Development Services Department is responsible for road improvement projects within the City. The funding for these activities comes predominantly from taxes collected from the sale of gasoline in the State of California, as well as from County of San Bernardino Sales Tax. Road rehabilitation activities are guided by the Pavement Analysis Management System, which was completed in 2002, and the 2007-2012 Capital Improvement Plan. The Development Services/Public Works Department focuses attention on gateways to the City and major arterials. The San Bernardino Development Services Department is also responsible for the maintenance and improvement of the traffic control system, parks and recreation, public facilities such as fire stations, storm drains, and sewers. Chapter 3: Community Needs Page 56 City of San Bernardino 2010-2015 Consolidated Plan Parks, Recreation, and Community Services Department The City of San Bernardino Parks, Recreation, and Community Services Department maintains the parks and recreation facilities owned by the City and offers a wide variety of classes and activities for all age groups. Classes offered include arts and crafts, fitness, and self defense for adults, after-school activities for children, sports for both youths and adults, and many other recreational activities. In addition, the Department has a mentoring program that brings together volunteers from the community and children in order to help at risk youth find positive role models and make the right decisions. Economic Development A number of agencies help foster economic growth in the City of San Bernardino and the region. City of San Bernardino Economic Development Agency The Economic Development Agency's mission is to enhance the quality of life for the citizens of San Bernardino by creating jobs, eliminating physical and social blight, supporting culture and the arts, developing a balanced mix of quality housing, along with attracting and assisting businesses both independent and through public-private partnerships. The Economic Development Agency provides a variety of financial assistance programs. Tax increment financing is the primary source of funding used by the Economic Development Agency to initiate and oversee redevelopment projects and activities in a community. This financing method is based on the assumption that as an area is revitalized, more property tax will be generated. Upon adoption of a Project Area, the total current assessed value of all the properties within its boundaries is designated as the base year value. As assessed values increase in the Project Area, tax increment revenue is generated by capturing the amount of value added since the base year value was established. This increase in tax revenue, or tax increment, is used by the Agency for reinvestment back into the Project Area. San Bernardino has 13 Project Areas. As required by the California Redevelopment Law, 20 percent of tax increment revenue must be set aside into a separate Low and Moderate Income Housing Fund for the creation and preservation of affordable housing within the Project Area. These funds may then be used for activities such as acquiring property, constructing on- and off-site improvements related to affordable housing development, constructing or rehabilitating affordable housing units, providing subsidies to ensure affordability, and issuing bonds. The Economic Development Agency supports financial and employment assistance packages, either internally or through other accredited financial institutions that specialize in the different needs of the business community. Programs advertised by the Economic Development Agency are listed below. Business Incentive Grant Program is a program offered by the Economic Development Agency. The program assists business owners, tenants, and property owners by enhancing the curb appeal of their business storefront by providing funds to complete certain exterior improvements. Chapter 3: Community Needs Page 57 City of San Bernardino 2010-2015 Consolidated Plan • Grow San Bernardino Fund provides loans to emerging, expanding, and on occasion, start-up businesses. These funds can be used for buildings, land, machinery and equipment, working capital, or leasehold improvements. • Small Business Administration 504 Loans support emerging, expanding, and on occasion, start-up businesses to purchase buildings, land machinery and equipment, or leasehold improvements. • Inland Empire Small Business Financial Development Corporation (IESBFDC) Loan Guarantee Program is designed to assist small businesses that need additional support in the form of a guarantee to induce a lender to lend. Funds can be used for asset purchases, purchases of existing businesses, or establishing new businesses. In addition the IESBFDC also offers low interest loans for the removal, repair, or upgrading of underground storage tanks. Hazardous waste reduction loans are also available to small businesses that meet Environmental Protection Agency (EPA) Hazardous Waste regulations. • Industrial Development Bonds, authorized by the California Statewide Communities Development Authority, can be provided to manufacturing companies. • Utility User's Tax Rebate Program rewards new and expanding businesses who create jobs for city residents, increase sales tax revenues, and/or increase property values within the City. The utility user's tax rebate program provides for a rebate of a portion of the taxes paid on electrical, gas, video, and telephone communication services to new and expanding businesses. Eligible businesses must be located within the City of San Bernardino and must have a current business registration license. City of San Bernardino Employment and Training Agency With its mission to train the work force to business specifications and to increase jobs for residents, the City of San Bernardino Employment and Training Agency (SBETA) partners with industry to produce a competitive workforce. This dynamic agency is under the direction of the Mayor and the Workforce Investment Board, composed of business leaders and others experienced in education and training. SBETA serves both employers seeking trainable employees and employees seeking employment opportunities, at no cost to the employer or the applicant. Services for businesses include recruitment and referral of pre-qualified applicants, six months reimbursement for half of the wages paid on new employees, customized training, access to a large labor pool, and human resources technical assistance. SBETA serves all job applicants including those entering the labor force for the first time and those with a multitude of experience but now unemployed. Services include job training, employment referrals, job search assistance, labor market information, and support services. These services are easily accessed through the One Stop Career Center, which brings related services together to completely serve the workforce development needs of business and job applicants. Chapter 3: Community Needs Page 58 City of San Bernardino 2010-2015 Consolidated Plan Chapter 4 Housing and Community Development Strategic Plan This five-year Housing and Community Development Strategic Plan is the centerpiece of the 2010-2015 Consolidated Plan for the City of San Bernardino. The Strategic Plan describes: • General priorities for assisting households; • Strategies and activities to assist those households in need; and • Specific objectives identifying proposed accomplishments. In addition, this section will discuss the institutional structure that exists and areas for improvement in delivering housing and community development services to the community. A. Overall Strategic Theme 1. Consolidated Plan Goals The national goals of the CDBG and HOME programs are the development of viable urban communities by providing decent housing, a suitable living environment, and the expansion of economic opportunities, principally for persons of low and moderate income. The ESG program is designed to provide emergency and transitional housing, as well as supportive services for the homeless and those at risk of becoming homeless. The City of San Bernardino's Economic Development Agency's mission with regard to housing and community development is to enhance the quality of life for the citizens of San Bernardino by creating and retaining jobs, eliminating physical and social blight, supporting culture and the arts, developing a balanced mix of quality housing, along with attracting and assisting businesses both independently and through public-private partnerships. The City of San Bernardino and the Economic Development Agency intend to pursue the national goals through implementation of this Strategic plan. Consistent with this aim, the City will allocate CDBG, HOME, and ESG funds for the support of community planning, development and housing programs and activities directed toward achieving the following priorities: • Preserve and rehabilitate existing single-family dwellings. • Improve neighborhood conditions through code enforcement and abatement of dilapidated structures. • Expand homeownership opportunities and assist homebuyers with the purchase of affordable housing. • Provide rental assistance and preserve existing affordable rental housing. Chapter 4: Strategic Plan Page 59 City of San Bernardino 2010-2015 Consolidated Plan • Expand the affordable housing inventory through new construction. • Eliminate identified impediments to fair housing through education, enforcement, and testing. • Assist homeless and special needs populations with supportive services. • Improve and expand community facilities and infrastructure to meet current and future needs. • Promote economic development and employment opportunities for low and moderate income persons. 2. Resources Available The Strategic Plan focuses on activities to be funded with the three entitlement grants (CDBG, HOME, and ESG) from HUD. As the largest community in San Bernardino County, the City is responsible for the social and economic well-being of over 204,000 residents and thousands of local businesses. Housing and community development needs in the City are extensive and require the effective and efficient use of limited funds. Leveraging of multiple funding sources is often necessary to achieve the City's housing and community development objectives. Funding sources available to the City of San Bernardino on an annual basis are shown in Table 36. Chapter 4: Strategic Plan Page 60 City of San Bernardino 2010-2015 Consolidated Plan Table r Annual Resources Annual Program Resources Federal Sources Community Development Block Grant CDBG $3,600,000 CDBG Program Income $200,000 HOME Investment Partnerships Act HOME $1,700,000 HOME Program Income $150,000 Emergency Shelter Grant(ESG) $150,000 Neighborhood Stabilization Program(NSP) $8,400,000 San Bernardino Housing Authority Housing Choice Voucher Program $20,000,000 San Bernardino Housing Authority Public Housing $1,600,000 Total $35,800,000 Local Sources Redevelopment Tax Increment Funds(Approximately) $30,900,000 Redevelopment Housing Set-Aside $6,700,000 City General Funds and State Funds $20,100,000 Total $57,700,000 Non-Profit and For-Profit Sources Non-Profit Partners In-Kind Donations $2,800,000 Developer Investment $109,400,000 Private Lending $11,9 Institutions 00,000 Total $124,100,000 Note: 1. While the City's Redevelopment Project Areas generate large amounts of tax increment funds,significant portions of those funds have already been committed to existing bonds and other debt or are needed to make ERAF payments to the State. Available funds for upcoming projects are significantly less than shown. 2. In FY 2009-10,the Coy received$1.4 million in Homeless Prevention and Rapid Re-Housing(HPRRP)funds.Future allocations are not guaranteed,however,and the City is not including these funds in its estimate of resources available for the upcoming Consolidated Plan period. The City's overall strategy in expending the HUD Community Planning and Development (CPD) funds (e.g. CDBG, HOME, and ESG funds) over the next five years is presented in Table 37. Specific implementing programs are discussed later in this section. Table . Entitlement Five-Year Expend Needs Category %of CDBG %of HOME %of ESG %of All CPD Funds Funds Funds Funds Community Services(excluding 15% 0% 0% 10% homeless Housing* 53% 90% 0% 63% Homeless Facilities/Services 0% 0% 100% 3% Public Improvements/Facilities 12% 0% 0% 7% Economic Development 16% 0% 0% 12% Plannin and Administration 4% 10% 00 5% Total 100% 100% 100°°1. 100% =includes Code Enforcement Chapter 4: Strategic Plan Page 61 City of San Bernardino 2010-2015 Consolidated Plan 3. Criteria for Establishing Priorities Based on the community input received, needs analysis provided by various agencies, and the housing and community needs assessment, the City established the priority for expending CPD funds based on a number of criteria, including: • Urgency of needs • Cost efficiency • Funding program limitations and eligibility of activities/programs • Availability of other funding sources to address specific needs • Consistency with City goals, policies, and efforts A priority ranking has been assigned to each category of housing and community development need according to the following HUD criteria: • High Priority: Activities to address this need are expected to be funded with Consolidated Plan program funds by the City during the five-year period. • Medium Priority: If Consolidated Plan program funds are available, activities to address this need may be funded by the City during the five-year period. • Low Priority: The City will not directly fund activities using Consolidated Plan program funds to address this need during the five-year period. However, the City may support applications for public assistance by other entities if such assistance is found to be consistent with this Plan. • No Such Need: The City finds there is no need for such activities or the need is already substantially addressed. The City will not support applications for public assistance by other entities for activities where no such need has been identified. 4. Performance Measures and Outcomes In addition, the City has incorporated outcome measures for activities in accordance with the Federal Register Notice dated March 7, 2006, which requires the following Performance Measure Objectives/Outcomes to be associated with each activity: General Objective Categories General Outcome Categories Activities will meet one of the following Activities will meet one of the following: • Decent Housing (DH) • Availability/Accessibility(1) • A Suitable Living Environment(SL) • Affordability(2) • Economic Opportunity(EO) • Sustainability (3) Chapter 4: Strategic Plan Page 62 City of San Bernardino 2010-2015 Consolidated Plan 5. Summary of Five-Year Priorities and Objectives Housing Expanding the supply and improving the quality of affordable housing for lower and moderate income households are high priority goals over the next five years. CDBG funds will be used primarily to support housing rehabilitation and repair assistance to low and moderate income households. Major acquisition/rehabilitation and new construction of multi- family housing will be funded primarily with HOME funds. An estimated 28 percent of total Consolidated Plan funds over the next five years will be allocated to assist with affordable housing production, rehabilitation and conservation. Table 38 presents the priority level for various income groups and households types, and summarizes the proposed "quantifiable' objectives for the next five years. Specific implementing programs are described in later sections. Community Development CDBG, ESG, and HPRP funds will be used to support a range of community development needs, including community and supportive services, public improvements and economic development. The community development priorities established by the City for the next five years based on input from the community and City departments are presented in Table 39. Information on estimated Consolidated Plan funding allocations is also included, where possible and appropriate. Specific objectives benefitting persons with special needs are summarized in Table 40. Chapter 4: Strategic Plan Page 63 City of San Bernardino 2010-2015 Consolidated Plan Needs Table 38: Five-Year Housinq r Priorities Priority Housing Needs Income Priority Unmet Goals Need Level Need (Units/ Households) 0-30% High 3,259 0 Small Related 31-50% High 1,965 0 51-80% High 1,259 0 0-30% High 2,130 0 Large Related 31-50% High 1,305 0 Renter 51-80% High 924 0 0-30% High 708 0 Elderly 31-50% High 423 0 51-80% High 179 0 0-30% Medium 1,565 0 All Other 31-50% Medium 760 0 51-80% Medium 520 0 0-30% High 2,023 38 Owner All Households 31-50% High 1,932 38 51-80% High 3,307 39 Special Populations(including elderly 0-80°k High households with a housing problem) Total Goals 115 Section 215 Renter Goals Section 215 Owner Goals Notes: 1, 'Unmet Need" based on CHAS Data on households wth housing programs (including cost burden, overcrowding, and inadequate housing). 2. Program goals include housing programs funded with CDBG and HOME only. Section 8 vouchers,public housing,and other privately-funded projects are not included. Persons assisted under the Homebuyer Education and Counseling program are not included either. 3. Section 215 Goals are affordable housing that fulfill the criteria of Section 215 of the National Affordable Housing Act. For rental housing,a Section 215 unit occupied by a low income household and bears a rent that is less than the Fair Market Rent or 30 percent of the adjusted gross income of a household whose income does not exceed 65 percent of the AMI. For an owner unit assisted with homebuyer assistance, the purchase value cannot emeed HUD limit. For an ownership unit assisted with rehabilitation,the mortgage amount cannot exceed HUD limit. 4. Special needs households include renter-households to be assisted with new construction/conversion of rental housing,and owner-households to be assisted with mobile home repair grants, elderly/special need repair grants, and mobile home ownership rams. Chapter 4: Strategic Plan Page 64 City of San Bernardino 2010-2015 Consolidated Plan -Table Development Dollars to Priority Community Development Needs Priority Quantified Address Level Objectives Unmet Priority Needs PUBLIC SERVICE NEEDS(people) Homeless Services High 275,000 units of service Fair Housing High 750 persons Senior Services High 4,500 units of service Handicapped Services High 100 persons $2,000,000 Youth Services High 20,000 units of ($300,000+ service allocated on an Child Care Services High 10,000 units of annual basis service for public Transportation Services Medium service) Substance Abuse Services Medium 1,000 ersons Employment Trainin High 1,500 persons $750,000 Health Services High 7,500 units of (ESG) service Crime Awareness Medium Other Public Service Needs High 177,750 units ice of sery Lead Hazard Screening High PUBLIC FACILITY NEEDS(projects) Senior Centers Medium Handicapped Centers Medium Homeless Facilities High Youth Centers Medium $13,000,000 Childcare Centers Medium (up to 65%of Health Facilities Medium CDBG) Neighborhood Facilities Medium Parks and/or Recreation Facilities High $750,000 Parking Facilities Low 25 projects (ESG) Non-residential Historic Preservation Low Other Public Facility Needs Medium $20,000,000 INFRASTRUCTURE(projects) (general fund Water/Sewer Improvements Medium and other Street Improvements include ADA improvements High development Sidewalks include ADA improvements) Hi h impact fees) Solid Waste Disposal Im rovements Medium Flood Drain Improvements High Other Infrastructure Needs Medium ECONOMIC DEVELOPMENT ED Assistance to For-Profits(businesses) Hi h 50 businesses $2,500,000 ED Technical Assistance businesses Hi h assisted Business Chapter 4: Strategic Plan Page 65 City of San Bernardino 2010-2015 Consolidated Plan Table 39: Priority Community Development Dollars to Priority Community Development Needs Priority Quantified Address Level Objectives Unmet Priority Needs Micro-Enterprise Assistance businesses Hi h Incentive Rehab; Publicly-or Privately-Owned High Grant, CIC, CCommercial/Industrial rojects g SBDC) C/I'Infrastructure Development(projects) Medium Other C/I Improvements(projects) I Medium 1 $10,000,000 CODE ENFORCEMENT Code Enforcement High 20,000 inspections PLANNINGIADMINISTRATION Planning/Administration CDBG, HOME,and ESG High $3,000,000 TOTAL ESTIMATED DOLLARS NEEDED $51,500,300 Table 40: Non-Homeless Priority Dollars to Special Needs Need Unmet Need Primary Programs Address Quantified Subpopulations Level Unmet Objectives Need 17,313 elderly Senior services, 4,500 units Elderly/Frail High persons,including housing repair grants, Elderly 9 7,196 frail elderly with and ADA $175,000 of service for a disability improvements seniors Severe Mental Estimated 2,036 Needs are addressed Illness Low persons with severe primarily through the N/A N/A mental illness Count Estimated 17,320 Special needs Physicall physically disabled services,housing 50 persons Developmentally High and 3,680 repairgrants,ADA $100,000 with Disabled developmentally improvements to disabilities disabled persons infrastructure and community facilities Persons with Estimated 15,000 Needs are addressed Alcohol/Drug High persons with primarily through the N/A N/A Addictions substance abuse County ounty Estimated 1,439 Persons with persons living with Needs are addressed HIV/AIDS Low HIV and 1,759 primarily through $100,000 50 persons persons living with countywide efforts AIDS Chapter 4: Strategic Plan Page 66 City of San Bernardino 2010-2015 Consolidated Plan B. Housing Needs Rising housing costs and the aging housing stock affect many households in the City of San Bernardino, particularly those of lower and moderate incomes. According to the 2000 Census, 83 percent of extremely low income households, 79 percent of low income households, and 57 percent of moderate income households experienced one or more housing problems such as housing cost burden, overcrowding, or substandard housing conditions. Overall Housing Strategy Consolidated Plan funding sources are dedicated to housing (and related services). Approximately three percent of CDBG funds and 90 percent of HOME funds will be used for housing activities on an annualized basis. Consolidated Plan funds will continue to support affordable ownership and rental housing development, housing rehabilitation programs, code enforcement and homebuyer assistance programs. The housing programs discussed below are intended to accomplish the following statutory programmatic goals: • Preserve and Rehabilitate Existing Single-Family Dwellings • Improve Neighborhood Conditions through Code Enforcement and Abatement of Dilapidated Structures • Expand Homeownership Opportunities and Assist Homebuyers with the Purchase of Affordable Housing • Provide Rental Assistance and Preserve Existing Affordable Rental Housing • Expand the Affordable Housing Inventory through New Construction • Eliminate Identified Impediments to Fair Housing through Education, Enforcement, and Testing Priority: Preserve and Rehabilitate Existing Single-Family Dwellings Program H•1: Mobile Home Grant Repair Program Although the compact nature of mobile homes generally reduces maintenance costs, the cost of maintenance as units age and deteriorate can overextend a lower or moderate income household's budget. The Mobile Home Grant Repair Program, supported by the Economic Development Agency and administered by local non-profit organizations, provides grants up to $5,000 for mobile home repairs. Funding: HOME funds Five-Year Objective: Estimated 100 mobile homes to be rehabilitated over the next five years, for an average of 20 units rehabilitated annually. Performance Measure/Outcome: Decent Housing/Availability(DH-1) Chapter 4: Strategic Plan Page 67 City of San Bernardino 2010-2015 Consolidated Plan Program H-2: Single-Family Beautification Loan/Grant Program The Single-Family Exterior Beautification Program assists homeowners who are occupying their dwellings and whose incomes do not exceed 120 percent of the median income. The program provides financial assistance of up to $15,000 to homeowners for exterior improvements to their property. As a condition of receiving this assistance, property owners are required to attend a "Preventative Maintenance' class conducted by one of the City's local non-profit partners. Funding: Redevelopment Set-Aside funds Five-Year Objective: Estimated 500 households to be assisted over the next five years, for an average of 100 households assisted annually. Performance Measure/Outcome: Decent Housing/Availability (DH-1) Program H-3: Elderly/Special Needs Minor Repair Grant Program (Old Timers Grant) This program provides minor and emergency home repairs for low income homeowners (80 percent and below median income). Repairs cannot exceed $1,000 per housing unit. Seniors (60 years or older), disabled persons or recipients of SSI are eligible for this program. Qualified repairs include: plumbing (i.e., sink fixtures), replacing of doors, screens, and window glass, and minor electrical repairs. Outreach for the program is conducted at various Senior Centers throughout the City, and by word-of-mouth. Funding: Redevelopment Set-Aside funds Five-Year Objective: Estimated 425 households to be assisted over the next five years, for an average of 85 households assisted annually. Performance Measure/Outcome: Decent Housing/Availability (DH-1) Priority: Improve Neighborhood Conditions through Code Enforcement and Abatement of Dilapidated Structures Program H-4: Code Compliance's Neighborhood Revitalization As an older city, many of the City of San Bernardino's neighborhoods are experiencing signs of decline. Many of the City's low income neighborhoods have higher incidents of code violations. A number of factors influence this higher rate, including an older housing stock, a lack of return on income investment, and lower income residents with limited resources for housing maintenance. As a result, the Code Compliance Department has divided the City into six revitalization areas that are located within low income census tracts. Two Code Compliance officers are assigned to each of the following areas: • Between West 14th Street on the north, West 13th Street on the east and North "K' Street on the west, and the 1-215 Freeway on the east. • West Baseline Street on the north, West 9th Street on the south, Western Avanue on the west, and North Mt. Vernon on the east. • 18th Street on the north, 13th Street on the south, North "D" Street on the west, and North Sierra Way on the east. Chapter 4: Strategic Plan Page 68 City of San Bernardino 2010-2015 Consolidated Plan • West King Street on the north, West Rialto Avenue on the south, North Mt. Vernon Street on the west, and North "K" Street on the east. • Between North Sierra Way on the north and West 40th Street on the south. • Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive. Code Compliance's Neighborhood Revitalization efforts work in concert with the Redevelopment Agency's Housing Revitalization Programs and the Preventative Maintenance and Homebuyer Education classes provided by one of the City's local non- profit partners. In addition to conducting property inspections, Code Compliance strives to improve the residential environment by demolishing the most blighted, substandard and hazardous buildings. The focal point will be on buildings that have been vacant for an extended period of time, have deteriorated and become a public nuisance and have lost their viability for reuse. Funding: CDBG funds Five-Year Objective: Estimated 25,000 properties to be inspected over the next five years, for an average of 5,000 properties inspected annually. Performance Measure/Outcome: Suitable Living/Sustainability (SL-3) Priority: Expand Homeownership Opportunities and Assist Homebuyers with the Purchase of Affordable Housing Program H-5: Homebuyer Education Some new homebuyers and existing owners are not properly informed of the responsibilities of homeownership and could greatly benefit from educational programs on credit, lending and home maintenance topics. The City contracts with local non-profit organizations to provide educational programs. Funding: HOME funds, Redevelopment Set-Aside funds, Private Investment Five-Year Objective: Estimated 1,500 persons to be assisted over the next five years, for an average of 300 persons assisted annually. Performance Measure/Outcome: Decent Housing/Availability(DH-1) Program H-6: Homebuyer Assistance Program (HAP) This program is designed to assist qualified first-time homebuyers with the purchase of a home within the City limits. Eligible properties can include condominiums, town homes, and single-family detached homes. The Homebuyer Assistance Program provides financial assistance (of up to 20 percent of the purchase price) that may go towards down payment and closing costs. The homes purchased under this program may be located in any census tract in the City, as long as the dwelling is used as the homebuyer's principal residence and the home remains affordable for a period of not less than forty-five (45) years. Chapter 4: Strategic Plan Page 69 City of San Bernardino 2010-2015 Consolidated Plan Funding: Redevelopment Set-Aside funds, Private funds Five-Year Objective: Estimated 250 households to be assisted over the next five years, for an average of 50 households assisted annually. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Priority: Provide Rental Assistance and Preserve Existing Affordable Rental Housing Program H-7: Section 8 Housing Choice Voucher(HCV) program Under the Section 8 HCV program, low income families receive rental assistance in the form of a Voucher. Subsidy payments are made by the Housing Authority to property owners on behalf of the family. As of August 2009, there are 27,608 applicants on the Section 8 HVC waiting list countywide. Funding: Section 8 Five-Year Objective: Estimated 2,250 households assisted annually. Performance Measure/Outcome: Decent Housing/Affordability(DH-2) Program H-8: Multi-Unit Rental Senior Projects The Redevelopment Agency issued mortgage revenue bonds for the Highland Lutheran Senior Center (50 housing units) in 1996. The Agency continues to service the annual debt in order to ensure that not less than 50 percent of the units in this project are set-aside for very low income seniors. The covenant remains in effect for 30 years. Funding: Section 8, Redevelopment Set-Aside funds Five-Year Objective: Continue to assist 50 households at the Highland Lutheran Senior Center. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Program H-9: Public Housing The Housing Authority operates 684 units of conventional public housing in the City of San Bernardino. The Housing Authority conducts annual inspections of its units to determine a need for capital improvements under its Capital Fund program. As of August 2009, there are 15,758 applicants on the waiting list for public housing countywide. Funding: Public Housing Capital Fund Five-Year Objective: Continue to assist 689 households annually through the public housing program. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Priority: Expand the Affordable Housing Inventory through New Construction Program H-10: New Housing Development The Redevelopment Agency fosters relationships with for-profit and non-profit housing developers for the new construction of both market rate and affordable housing projects. The Agency leverages its resources with private capital in order to develop quality affordable Chapter 4: Strategic Plan Page 70 City of San Bernardino 2010-2015 Consolidated Plan homes for San Bernardino residents. The Agency will continue to pursue both rental and ownership housing opportunities for households with incomes up to 120 percent MR. Specific projects have not yet been identified for the upcoming five-year planning period; however, HOME funding was recently allocated to the Arroyo Valley Community Economic Development Corporation for the construction of three new homes and a "Community Garden' on Agency-Owned lots. The homes will be sold to income eligible homebuyers whose incomes do not exceed 80 percent MR. Funding: HOME funds, Redevelopment Set-Aside funds, Private funds Five-Year Objective: Estimated 15 housing units to be constructed over the next five years, for an average of 3 housing units constructed annually. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Program H-11: Senior Housing Development The City is committed to facilitating the development of new housing projects and maintaining the quality of existing housing for low income seniors. Specific projects have not yet been identified for the upcoming five-year planning period; however, the following projects have received funding in recent years and are currently ongoing: Table Development Project _____ru_nWn_g Units St. Bernardine's Senior Housing Section 8 150 AHEPA Senior Housing Section 8 50 Cooperative Senior Housing Section 8 75 META Housing, Inc. Senior Development RDA Housing Fund 80 TELACU Senior Housing (Sierra Vista, Section 8 225 Monte Vista& Buena Vista TELACU Senior Housing IV Hacienda HUD 202 Capital Grant; Section 8; HOME Funds 90 TELACU Senior Housing V RDA Housing Fund; HUD 202 Capital Grant; Private Funds 75 Total 745 Funding: Varies by project(see above for details) Five-Year Objective: Estimated 250 housing units to be constructed over the next five years, for an average of 50 housing units annually. Performance Measure/Outcome: Decent Housing/Affordability (DH-2) Priority: Eliminate Identified Impediments to Fair Housing through Education, Enforcement, and Testing Program H-12: Fair Housing/Landlord Tenant Program The City contracts with the Inland Fair Housing Mediation Board to provide education, dispute resolution, and legal advising services to San Bernardino owners, landlords, and tenants in conflict. Such services are particularly important for lower and moderate income households unable to afford retaining counsel. The City refers persons with housing discrimination or other fair housing inquiries to the Inland Fair Housing and Mediation Board for assistance. Chapter 4: Strategic Plan Page 71 City of San Bernardino 2010-2015 Consolidated Plan Funding: CDBG funds Five-Year Objective: Estimated 750 persons to be assisted over the next five years, for an average of 150 persons assisted annually. Performance Measure/Outcome: Decent Housing/Availability (DH-1) C. Community Development and Supportive Services Homelessness is a persistent problem that impacts cities and communities, including San Bernardino County. There is a growing sense of awareness that there are substantial public and private "hidden" costs associated with homelessness. Homeless persons become frequent and lengthy users of hospital emergency services, emergency shelters, emergency assistance centers, and correctional facilities because of a lack of a permanent housing environment, which would help better care for daily needs. Some of the "hidden" and "persistent" costs of homelessness to local jurisdictions are the result of ongoing interventions by: Emergency health care providers Paramedics Law enforcement Emergency psychiatric responders Temporary motel voucher providers Emergency shelter providers (particularly winter shelter providers) with little or no case management In addition, there are harder to calculate quality-of-life costs associated with the impact of homeless persons on local businesses and business districts, tourism, court systems, and public facilities such as libraries and parks. San Bernardino County has a growing homeless population. According to the San Bernardino County 2007 Homeless Census and Survey, approximately 1,915 homeless persons were found in the City. This is a slight increase from 1,850 homeless persons that were estimated to be in the City in 2003. Three funding sources are used to provide community services for low and moderate income persons and persons with special needs in the City. These include: ESG funds, HPRP funds and public service dollars of CDBG funds (up to 15 percent of the annual allocation). The City places a high priority on actions to assist homeless and special needs persons with housing and supportive services. The City coordinates its procurement of HPRP services with the Office of Homeless Services (OHS), the designated administrative authority over the County's Continuum of Care (CoC) System, to avoid duplication and to ensure that only the highest priority needs are met. The City will target its HPRP funds toward households needing services beyond the scope of the City's available HOME and ESG funds. Furthermore, the City will use its HPRP funds to transition the emphasis on homeless shelters to permanent housing, as the primary solution to homelessness. Strategies for Eliminating Homelessness The City of San Bernardino recognizes that homelessness is a regional issue that impacts every community in the region. As the largest community in the County, the City also serves as a hub for service providers. The City supports the efforts of this network of agencies in Chapter 4: Strategic Plan Page 72 City of San Bernardino 2010-2015 Consolidated Plan ending homelessness through the Regional Continuum of Care Strategy. The Continuum of Care Strategy involves four key components: • Homeless Prevention: Provision of preventative services will decrease the number of households and individuals who will become homeless and require emergency shelters and assistance. The City seeks to prevent homelessness by funding emergency assistance for families and households at-risk of being homeless. Educating residents about available services is a key component in reducing homelessness. • Homeless Outreach and Needs Assessment: The homeless require a broad spectrum of services from transportation assistance to life skills to childcare to prescriptions. The City works with homeless providers to identify gaps in assistance and fund these identified gaps on an annual basis. • Emergency Shelter and Transitional Housing: The City provides funds to service providers offering emergency shelter, transitional housing, motel vouchers, food, and a variety of other services which address basic subsistence needs. Based on discussions with homeless advocates and providers, permanent housing and support services are priorities for addressing the immediate needs of the homeless population. • Homeless Transition Strategy: Providing emergency services without complementary transitional and permanent housing services creates a situation where the homeless remain in San Bernardino for services but are trapped in an emergency housing situation or lack shelter due to inadequate resources for transitional and permanent housing. The City will emphasize services providing transitional and permanent housing assistance through case management, life skills, rental support and job assistance for homeless families and individuals transitioning to permanent housing. In addition to the Continuum of Care strategy, the San Bernardino County Office of Homeless Services (OHS) initiated a planning process in March 2008 to develop a strategy to end homelessness in San Bernardino County. Utilizing the committee structure of the San Bernardino County Homeless Partnership 10-Year Planning Committee, OHS convened a number of meetings staffed by members of the OHS team. The intent was to achieve consensus on the Planning Strategy for ending homelessness. To address the problem of homelessness and ideally end it, the San Bernardino County Homeless Partnership 10-Year Planning committee developed 25 specific action recommendations to be undertaken throughout San Bernardino County: 1. Implement countywide homeless prevention strategies to prevent individuals or families from becoming homeless. 2. Use funding from the American Recovery and Reinvestment Act of 2009 "Homeless Prevention and Rapid Re-Housing Program" (HPRP) for supplemental resources including rental assistance and utility assistance. 3. Implement a community outreach and education campaign that raises awareness about households at risk of becoming homeless and provides information about Chapter 4: Strategic Plan Page 73 City of San Bernardino 2010-2015 Consolidated Plan resources available through homeless prevention programs. This effort should leverage the 2-1-1 System for easy access where appropriate. 4. Formalize protocols and improve the coordination of discharge planning. 5. Establish a Central Contact Center that would respond to community calls and concerns for traditional street outreach and engagement and/or assertive community treatment. 6. Expand Street Outreach and Engagement Services to include Multidisciplinary Practitioners and Services. 7. Expand Street Outreach and Engagement Services to include Volunteers from Various Community Groups. 8. Establish Regional "One-Stop" Centers. 9. Use a Comprehensive Tool that Determines Potential Eligibility for Mainstream Resources. 10.Appropriate case management services should be available to all homeless persons whether they are on the street, accessing one-stop centers, in emergency shelters or transitional housing, or receiving permanent supportive services. 11. Develop and execute a "rapid exit" strategy that focuses on early identification and resolution of the barriers to housing through case management services in order to facilitate the return of a homeless person to permanent housing as quickly as possible. 12. Implement a Rapid Re-Housing Approach for Households with Dependent Children. 13. Increase the Number of Emergency and Transitional Units. 14. Implement a Housing First Approach. 15.Obtain More Shelter+ Care Certificates. 16. Increase the Number of Permanent Housing Units with an Emphasis on the Development of Safe Havens. 17. Encourage all local jurisdictions to adopt an inclusionary housing policy that requires a percentage of new housing to be affordable to extremely-low and very low income residents. 18.Assess the Feasibility of a Housing Trust Fund for County and Local Levels of Government. 19. Expand the capacity of Homeless Management Information System (HMIS) so that agencies may make better use of data, decrease time and effort at intake, and enhance the planning and development functions of the Continuum of Care. Chapter 4: Strategic Plan Page 74 City of San Bernardino 2010-2015 Consolidated Plan 20. Conduct periodic Homelessness 101 Training concerning community issues. 21. Increase awareness of the collaborative Justice Courts and the alternative sentencing programs that provide alternative sentencing mechanism for defendants experiencing homelessness. 22. Implement an education campaign to make the community aware of the findings, guiding principles, goals, and recommendations of this report. 23. Enlist the support of faith based organizations to help implement the goals and recommendations in this report. 24. Create an Interagency Council on Homelessness for San Bernardino County that will be charged with coordinating and evaluating policies concerning all of the recommendations and related activities within this plan. 25. Appoint the San Bernardino County Homeless Partnership 10-Year Planning Committee as an advisory body to the Interagency Council on Homelessness for San Bernardino County and appoint representative(s) of the Homeless Partnership as standing member(s)to the local Interagency Council on Homelessness. Priority: Assist Homeless and Special Needs Populations with Supportive Services Program CD-1: Emergency Shelters The City supports a number of non-profit agencies that operate emergency shelters for the homeless. Emergency shelters provide the most basic needs of safe shelter and nourishment, as well as drop-in services, counseling, medical treatment, transportation assistance, referrals to mental health and social service agencies, and assistance with finding appropriate permanent housing. Funding: ESG funds, CDBG funds, HPRP funds, In-Kind Private donations Five-Year Objective: Estimated 200,000 units of assistance to be delivered over the next five years, for an average of 40,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SLA) Program CD-2: Transitional Housing Transitional shelters provide housing and needed resources (i.e., job training, money management, alcohol and drug rehabilitation, parenting classes, counseling) to help individuals and families re-establish independent living. These facilities also assist clients with finding permanent housing. Funding: ESG funds, CDBG funds, HPRP funds, In-Kind Private donations Five-Year Objective: Estimated 75,000 units of assistance to be delivered over the next five years, for an average of 15,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability(SLA) Chapter 4: Strategic Plan Page 75 City of San Bernardino 2010-2015 Consolidated Plan Program CD-3: Rental Assistance Program The Rental Assistance Program is provided to individuals and/or families who must vacate their substandard and unsafe housing unit. The property owners are required to bring their housing units into compliance and their properties are inspected to ensure compliance. Under the Rental Assistance Program, the Redevelopment Agency assists the evacuated families with the required first month's rent and security deposit. The replacement rental unit must be in sound, sanitary, and safe condition and pass a City inspection. Funding: Redevelopment Set-Aside funds Five-Year Objective: Estimated 650 households to be assisted over the next five years, for an average of 130 households assisted annually. Performance Measure/Outcome: Decent Housing/Availability(DH-1) Program CD-4: Utility Assistance Program Many lower and moderate income households must defer utility payments or avoid using utilities to afford critical items like health care and mortgage payments. The Utility Assistance Program assists San Bernardino City households that are at 50 percent of MFI with the cost of utilities. Funding: Redevelopment Set-Aside funds Five-Year Objective: Estimated 1,000 households to be assisted over the next five years, for an average of 200 households assisted annually. Performance Measure/Outcome: Decent Housing/Availability (DH-1) Program CD-5: Health Services Lower income households often lack access to quality affordable health care. The City funds a variety of agencies that provide free or low cost medical services for lower income San Bernardino residents. Funding: CDBG funds Five-Year Objective: Estimated 7,500 units of assistance to be delivered over the next five years, for an average of 1,500 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability(SL-1) Program CD-6: Comprehensive Service Centers Lower income families and individuals can benefit from a variety of supportive services. Comprehensive service providers offer a range of programs that assist clients with their various transportation, nutrition, technology, childcare and education needs. Funding: CDBG funds Five-Year Objective: Estimated 175,000 units of assistance to be delivered over the next five years, for an average of 35,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability(SL-1) Chapter 4: Strategic Plan Page 76 City of San Bernardino 2010-2015 Consolidated Plan Program CD-7: Youth Services It is important for the young people of the City of San Bernardino to have the opportunity to engage in activities that enable them to develop self-esteem and reach their full potential. The City will use CDBG funds to support the following types of youth services and activities: • Character and leadership development • Education and career development • Health and life skills • The arts • Sports, fitness and recreation. Funding: CDBG funds Five-Year Objective: Estimated 20,000 units of assistance to be delivered over the next five years, for an average of 4,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) Program CD-8: Senior Services Seniors are some of the City's most vulnerable residents. The City will use CDBG funds to support the following types of senior programs and services: • Transportation assistance • Nutrition and meal programs • Recreational, educational and social opportunities • Information and referral services Funding: CDBG funds Five-Year Objective: Estimated 4,500 units of assistance to be delivered over the next five years, for an average of 900 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SLA) Program CD-9: Legal Services Every San Bernardino resident is guaranteed access to the judicial system and has certain rights and privileges that are recognized and protected regardless of ability to pay. Access to legal services empowers clients by giving them the tools; i.e., the legal documents and procedural information, needed to seek solutions through court orders. These services improve the lives of clients by helping them resolve domestic dispute, seek financial stability, and access the healthcare, dental, and developmental services needed for themselves and their minor dependents. Funding: CDBG funds Five-Year Objective: Estimated 1,750 units of assistance to be delivered over the next five ycars, for an average of 350 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability(SLA) Program CD-10: Services for Victims of Domestic Violence Chapter 4: Strategic Plan Page 77 City of San Bernardino 2010-2015 Consolidated Plan Victims of domestic violence often require a variety of supportive services before they can transition back to living independent, self-sufficient lives. These services include immediate crisis intervention, follow-up services, one on one counseling, accompaniment and advocacy services. Funding: CDBG funds Five-Year Objective: Estimated 1,000 units of assistance to be delivered over the next five years, for an average of 200 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability (SLA) Program CD-11: Child Care Services All families with children, regardless of income, deserve an opportunity to work and attend school with the assurance that their children are in a safe and comfortable learning environment. Quality affordable child care is therefore a critical need for all families in San Bernardino, especially for single-parent households whose child care options are more limited. The City will use CPD funds to support programs that provide children with a high quality developmental program, one that teaches skills that go beyond learning to read and write at an early age, and a stimulating environment that offers opportunities to explore, create, examine and question without concern for judgment, disapproval or criticism. Funding: CDBG funds Five-Year Objective: Estimated 10,000 units of assistance to be delivered over the next five years, for an average of 2,000 units of assistance annually. Performance Measure/Outcome: Suitable Living/Availability(SLA) D. Public Improvements and Community Facilities The City of San Bernardino is one of the oldest communities in California. Much of San Bernardino was developed 30 to 40 years ago and the City is laden with an aging infrastructure system, obsolete buildings, inadequate community facilities and deteriorating neighborhood conditions. These conditions affect not only residents, but also local businesses. Approximately 12 percent of CDBG funding will be used for public improvements and community facilities on an annualized basis. CDBG funding may only be used for projects that benefit low moderate income neighborhoods, in other words, neighborhoods where more than half (51 percent) of residents have incomes less than 80 percent of the Median Family Income (MFI)for the San Bernardino County area. The City plans to focus most of its community facility and public improvements projects in these "area benefit" communities. Projects in "non-area benefit" communities will not be excluded; however, these projects must demonstrate eligibility based on the service area of the project. The City's five-year Capital Improvement Program (CIP) (FY 2009 - FY 2014) identifies the City's proposed capital improvement projects, their estimated costs, and sources of funding needed to provide the quality service and public improvements expected by the residents and businesses of the City of San Bernardino. The CIP outlines the City's plan for targeted public investments that support the revitalization of the City's older neighborhoods and downtown San Bernardino, as well as new development projects that will create employment for local residents. Chapter 4: Strategic Plan Page 78 City of San Bernardino 2010-2015 Consolidated Plan The San Bernardino Development Services Department is responsible for the maintenance and improvement of the traffic control system, parks and recreation facilities, and public facilities (which include fire stations, storm drains, and sewers). The Department will continue its efforts to improve the living environment, improve accessibility (i.e. ADA improvements), and prevent the deterioration of the transportation infrastructure in low and moderate income neighborhoods. The City will also continue its efforts to design and construct storm drains needed to prevent flooding. Priority: Improve and Expand Community Facilities and Infrastructure to Meet Current and Future Needs Program 1-1: Fire Equipment Leases The City of San Bernardino Fire Department serves a resident population of approximately 202,000 and covers a diverse service area of 59.3 miles. This service area covers approximately 19 miles of wild land interface area, a major rail yard, an international airport, the County Seat, a jail, two major mall complexes, and three major interstate freeways (10, 215 and 210). Currently, the Department staffs twelve fire engine companies, two aerial truck companies, one heavy rescue, five 4-wheel drive brush engines, one hazardous material response rig and one medic squad housed in twelve stations throughout the City. Fire Stations No. 221, 222, 224, 229, and 231 serve the City's low and moderate income areas (Figure 4). The City will use CDBG funds for the payment of fire equipment leases that serve the low and moderate income areas. Funding: CDBG funds Five-Year Objective: Continue to assist with fire equipment leases Performance Measure/Outcome: Suitable Living/Availability (SL-1) Chapter 4: Strategic Plan Page 79 City of San Bernardino 2010-2015 Consolidated Plan Figure 4: Low-Mod Fire Service Areas City of San Bernardino • . • Fire Service Areas 3 7w. r �a � 3 r I fE c ...��..., <. 2E 2 { i RI .YYI YLNreel _ RY4 � h! IMI We.:RFRnn 9S.C% l}I II}I4onIr MCJW Cm:vprve HLY ])5 16tlYMMI Onrt 3Tt 1M 9AOe1MU R]R. N }l9 lM[MyNStl EASY A m vcexbYne�>,wmw. - uem ��\V vrwlsl-Iwsurwwwn»...ness:.i:e rvorv�waY ...mw }31 .'UfV.Mertil:Way R)YA - L3 bMSb VLmweme M9M Chapter 4: Strategic Plan Page 80 City of San Bernardino 2010-2015 Consolidated Plan Program 1-2: Street and Street Lighting Street and street lighting projects include efforts to extend and widen streets, street resurfacing, construction of curbs, gutters, sidewalk, handicap ramps, bikeways, right of way acquisition and street lighting systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential Street and Street Lighting projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Accessibility Improvements at various locations • Street Safety Improvements at various locations • Pavement Rehabilitation at various locations • Bus Stop Concrete Pads at various locations • Grade Separation at various locations • Street Widening at various locations • Streetlight Pales and Electric Systems Replacement at various locations • Traffic Calming Measures at various locations • New Road Construction at various locations Funding: CDBG funds, CDBG program income, Federal and State aid, State Gas Tax, Sales Tax Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) Program 1-3: Sewer Sewer projects include efforts to increase system capacity for new users, replace aging or obsolete systems and meet new regulatory requirements. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential sewer projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Sewer Main Extensions at various locations • Sewer Manhole Rehabilitation at various locations • Sewer Siphon Flushing at various locations • Sewer Main Replacement at various locations Funding: CDBG funds, CDBG program income, Sewer Connection fees, sewer line construction and maintenance funds Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) Chapter 4: Strategic Plan Page 81 City of San Bernardino 2010-2015 Consolidated Plan Program 1-4: Storm Drain Storm drain projects include efforts to install new storm drain systems (per the City's Comprehensive Storm Drain Master Plan) and replace aging or obsolete systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential Storm Drain projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Storm Drain Installation and Rehabilitation at various locations • Storm Drain Realignment at various locations Funding: CDBG funds, CDBG program income, Development Impact fees, Storm Drain construction funds Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) Program 1-5: Traffic Control Traffic control projects include efforts to install new traffic signals, add traffic striping, and replace aging or obsolete traffic control systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which of the projects will be funded and ultimately completed. The following is a list of potential Traffic Control projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Traffic Signal Upgrades at various locations • Traffic Signal Interconnections and Synchronization at various locations • Bike Path Installations at various locations • Traffic Signal Installations at various locations • Upgrade to Fluorescent Signs at various locations • Installation of Solar-Powered Speed Signs at various locations • Installation of Pedestrian Signals at various locations Funding: CDBG funds, CDBG program income, Development Impact fees, Federal and State aid, State Gas Tax Funds, Sales Tax Funds, Traffic Systems Fees Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability(SL-1) Program 1-6: Parks and Recreation Parks and recreation projects include the maintenance and upgrade of parks, game courts and fields, fielding lighting, recreation buildings, Park's restroom buildings and playground equipment. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which of the projects will be funded and ultimately completed. The following is a list of potential Parks and Recreation projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: Chapter 4: Strategic Plan Page 82 City of San Bernardino 2010-2015 Consolidated Plan • Tree Plantings at various locations • Replacement of Equipment at various Community Centers • Design and Engineering Services at various locations • Expansion and Renovations at various Senior Centers • Soccer Field Construction at various locations • Restroom Renovations at various locations • Fencing and Lighting Upgrades at various locations • Concrete and Lighting Installations at various locations • Hiking and Exercise Trail Construction at various locations • Irrigation System upgrades at various locations Funding: CDBG program income, Park Construction Fees Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. Performance Measure/Outcome: Suitable Living/Availability (SL-1) E. Economic Development and Anti-Poverty Two of the City's highest priorities are: (1) to attract industries and employers that provide higher-paying jobs and a wider range of employment opportunities, and (2) to assure that local residents have the necessary skills to fill those jobs. To implement said priorities, the City, in collaboration with other public agencies, such as the San Bernardino Employment and Training Agency (SBETA) and private enterprise developers, will pursue strategies that promote the growth of production industries whose goods or services are sold to state, national, or global markets to bring outside income into the community. SBETA's mission is to train the work force to business specifications and to increase jobs for residents. SBETA partners with industry to produce a competitive work force. The SBETA Agency is under the direction of the Mayor and the Workforce Investment Board, composed of business leaders and educators. SBETA serves both the employer seeking trainable employees and City residents seeking employment opportunities. The primary entity to implement these priorities is the City's Economic Development Agency (E DA). The City's EDA will continue to support job creation, job retention, training, education, downtown revitalization, and infrastructure improvement efforts. The EDA's mission is to enhance the quality of life for the citizens of San Bernardino by attracting and retaining businesses and jobs, eliminating physical and social blight, and developing a balanced mix of quality housing. Priority: Promote Economic Development and Employment Opportunities for low and moderate income households Program ED-1: San Bernardino Library Literacy Program The San Bernardino Library Literacy Program provides free, individualized literacy services and materials to residents in a non-threatening, confidential, student-centered environment, Chapter 4: Strategic Plan Page 83 City of San Bernardino 2010-2015 Consolidated Plan in order to equip participants with life-long learning skills and prepare them for personal, family, career and community success. One-on-one tutoring and small group sessions are offered by trained volunteers to qualified adult learners in areas of basic reading, math, spelling and computer literacy. Funding: CDBG funds Five-Year Objective: Estimated 250 persons to be assisted over the next five years, for an average of 50 persons assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Program ED-2: Inland Empire Small Business Financial Development Corporation (IESBFDC) Loan Guarantee Program The Loan Guarantee Program is designed to assist small businesses that need additional support in the form of a guarantee to induce a lender to lend. The program places special emphasis on women and minority-owned businesses, as well as businesses located in designated enterprises zones. To be eligible, business must: (1) be unable to obtain financing without the guarantee, and (2) demonstrate repayment ability with adequate collateral support. Guarantees can be issued on short term loans, revolving and contract lines of credit, term loans for asset purchases, purchases of existing businesses, or for establishing a new business. Funding: CDBG funds, Private funds, In-Kind Private donations Five-Year Objective: Estimated 25 businesses to be assisted over the next five years, for an average of 5 businesses assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Program ED-3: Grow San Bernardino Fund SBA 7A Loan Program The SBA 7A-Grow America Fund Program provides loans to small businesses. This program is available countywide and can provide 100 percent financing for up to $1 million. The program provides long-term, fixed-rate financing which may be utilized for property acquisition, construction, building renovations or leasehold improvements, debt refinancing, capital equipment and working capital. Repayment ability from cash flow of the business is a primary criterion in the loan evaluation, but good character, management capability, and collateral are also important considerations. Eligible business must demonstrate at least three years of profitable operation, good liquidity, and a satisfactory debt-to-equity ratio. Funding: CDBG funds, Redevelopment Set-Aside funds, Private funds, In-Kind Private donations Five-Year Objective: Estimated 10 businesses to be assisted over the next five years, for an average of 2 businesses assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Chapter 4: Strategic Plan Page 84 City of San Bernardino 2010-2015 Consolidated Plan Program ED-4: Business Incentive & Downtown Revitalization/ Fagade Program The Business Incentive Grant Program assists business owners, tenants, and property owners to enhance the "curb appeal" of their business storefront by providing funds to complete exterior improvements. The program also provides grants to help business owners retain their current employment levels or expand their current employment levels. The program offers grants reimbursements that are not-to-exceed $10,000. The applicant will be required to match this grant dollar for dollar and will be reimbursed at the completion of all pre-approved improvements. Funding: Redevelopment Set-Aside funds, Private funds Five-Year Objective: Estimated 125 businesses to be assisted over the next five years, for an average of 25 businesses assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Program ED-5: Utility User's Grant Program The Business Utility User's Tax Rebate Program rewards new and expanding businesses who create jobs, increase sales tax revenues, or increase property values by refunding a percentage of the City's utility taxes paid on electrical, gas, cable, and telephone services to operate their businesses. Funding: Redevelopment funds Five-Year Objective: Estimated 10 businesses to be assisted over the next five years, for an average of 2 businesses assisted annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Program ED-6: Section 108 Loan Repayment In 2006, the City, its Redevelopment Agency, and HUD executed Section 108 loan documents for an award of $7.5 million. The loan was utilized for the acquisition of 22 blighted and socially problematic four-plex apartment dwellings in the North Arden Guthrie Area. Together with other redevelopment funds of approximately $7.5 million, tenants have now been relocated into safe and sanitary housing, the structures demolished, and the land will be made available to a master developer (Home Depot) for the purpose of constructing a retail commercial center. The City is currently renegotiating a HUD Section 108 Loan for the 20-Plex movie theater (formerly known as the CinemaStar) in the amount of $9 million to repay the original HUD 108 Loan of $4.6 million and provide necessary funds for new technology upgrades and remodeling by Maya Cinemas North America, Inc. The Project will include: new furniture and fixtures, carpeting, tile, counter-tops, paintwork, new seating, new digital projection equipment, movie screens and sound equipment, correction of American with Disabilities Act deficiencies, expansion of the main lobby and installation of equipment and expansion of one I-Max auditorium. The term of the Section 108 financing will be seven years with interest only payments. Funding: Section 108 loan, Redevelopment funds Five-Year Objective: Estimated 475 jobs created/retained upon completion. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Chapter 4: Strategic Plan Page 85 City of San Bernardino 2010-2015 Consolidated Plan Program ED-7: California Theatre The Redevelopment Agency owns and contracts out the maintenance of the Historic California of the Performing Arts Theatre (the "Theatre"). The Agency is currently in the process of conducting a series of renovation improvements for the Theatre. The improvements include, but are not limited to the following items: installation of a fire protection sprinkler system, structural support system for front entry and installation of a pull pipe system. This project will facilitate the creation, promotion, and retention of over 1,400 employment opportunities. Funding: Redevelopment funds Five-Year Objective: Estimated 1,400 jobs created/retained upon completion of renovations. Performance Measure/Outcome: Economic Opportunity/Availability (EO-1) Program ED-8: Redevelopment Agency Activities The Agency undertakes numerous marketing activities designed to enhance the image of the community and attract new development expanding both employment opportunities and the tax base. Activities include the production of print marketing materials, advertising and public relations activities in the printed media, representation of the Agency at targeted trade shows and exhibitions and the production of a weekly, business oriented, television show targeted towards the business community. In addition, the Agency and the City will facilitate the development of the proposed projects and planning efforts summarized in Table 42. Table 42: Redevelopment Agency Economic Development Activities Pro ect I Activity Jobs Created/Retained ARCO AM/PM Inland Center Drive Utility Under grounding 10 ARCO AM/PM New Business Construction 9 Arrowhead Central Credit Union New Business Construction 400 Serrano Development(Cooley Avenue) New Business Construction Court House New Construction - Hillwood Project New Business Construction 1,000 Hilton Garden Inn New Business Construction 35 Inland Behavioral Health New Construction 400 Inland Regional Center Property Acquisition 500 La Placita New Business Construction 300 Waterman Holdings, LLC Property Ac uisition 60 Young Electric Sin Company Business Relocation 120 Total 2,415 Funding: Redevelopment funds Five-Year Objective: Estimated 2,500 jobs created/retained over the next five years, for an average of 500 jobs created/retained annually. Performance Measure/Outcome: Economic Opportunity/Availability(EO-1) Chapter 4: Strategic Plan Page 86 City of San Bernardino 2010-2015 Consolidated Plan F. Planning and Administration During the upcoming five-year Consolidated Plan period, the City will continue to administer the CDBG, HOME and ESG programs in compliance with program regulations and requirements. Up to 20 percent of CDBG funds can be used by the City to support the general administration of the CDBG program. G. Lead Based Paint Reduction Strategy The City's Lead Based Paint Hazard Reduction Strategy can be summarized as follows: (1) Coordinating public and private efforts to reduce lead-based paint hazards and protect young children; (2) Integrating lead hazard evaluation and reduction activities into existing housing programs; (3) Public awareness through educational materials and programs; and (4) Education and advocacy and (5) lead base eradication to the extent finances are available. The City currently integrates lead hazard evaluation and reduction activities into existing housing inspection and rehabilitation programs. The Economic Development Agency (EDA) provides referrals to and works cooperatively with the County's Lead-Based Paint Removal Program to coordinate efforts to reduce lead-based paint hazards through testing. The County also receives funds from the State Department of Community Services for the development of education and to raise awareness of lead-based paint. Additionally, educational materials are provided to residents through the San Bernardino Redevelopment Agency's Rehabilitation Program, which informs residents of lead hazards, as well as how to get tested, report, and remove the hazard. The Agency is also remediating and stabilizing 80 percent of rehabilitated properties by the removal or encapsulation of lead-based paint. H. Overcoming Barriers to Affordable Housing The City recently undertook a major effort to eliminate constraints, with respect to land use regulations, by developing and adopting a new Zoning Code that unified and simplified the City's development regulations and processes. That effort was followed by a reorganization of the City to unify the various development-related departments into a single Development Services Department and a one-stop permit counter. Moreover, the City is in the process of making the following additional amendments to the Municipal Code in order to further reduce barriers to affordable housing: Corridor Improvement Program The City will facilitate investment and intensification along its underutilized corridors by codifying the development and lot consolidation incentives proposed in the General Plan Land Use Element Corridor Improvement Program. The four Corridor Strategic Areas, Mount Vernon, E Street, Baseline, and Highland, are generally characterized by underperforming strip commercial, vacant or underutilized parcels, deteriorating structures, and inconsistent facades and signage. The Corridor Improvement Program is an optional package of policies, regulations, and incentives intended to stimulate investment and development in the Corridor Strategic Areas. While the underlying land use designations still apply, the property owner may request, and the City may choose to apply, aspects of the Chapter 4: Strategic Plan Page 87 City of San Bernardino 2010-2015 Consolidated Plan Corridor Improvement Program necessary to achieve the desired results. Key incentives include: allowing increased densities for housing and mixed-use projects within 500 feet of a transit stop, increasing density and FARs for mixed-use projects that replace strip commercial on arterials, and increased density for projects that combine parcels (lot consolidation). Furthermore, Code Enforcement activities in this area will encourage violators to demolish unsafe buildings through existing demolition programs and educate property owners of new opportunities available through the Corridor Improvement Program. General Lot Consolidation Incentive The City will amend the Development Code to incentivize lot consolidation for projects that promise to commit to management plans and provide on-site management. Small, individual lots offer limited development potential, and generally cannot support on-site property management. Development opportunities could be increased through a small-lot consolidation program that offers a 15 percent density bonus to projects with a residential component that are committing to a maintenance plan and having on-site management. This encourages a more efficient use of the land while ensuring adequate long-term maintenance and oversight of a property. Density Bonus Provisions The City will facilitate higher density and affordable housing development by amending the development code to reflect the latest amendments to State density bonus law. Density bonus provisions reward developers providing affordable housing to seniors or families with an increase in density and reduced building requirements, such as reduced parking, reduced setbacks, and other factors that decrease the cost of housing production. Density bonus projects can be an important source of housing for lower and moderate income households. Reasonable Accommodation Ordinance The City will reduce governmental constraints to housing for disabled persons by adopting a Reasonable Accommodation Ordinance. The City of San Bernardino does not currently have a formal process for requesting exemptions from government regulations for the purpose of creating housing accessible to disabled persons. A Reasonable Accommodation Ordinance will enact a process for disabled individuals (or those acting on their behalf) to make requests for reasonable accommodation for relief from burdensome land use, zoning, or building laws, rules, policies, practices, and/or procedures. Emergency Shelters The City plans to adopt a permanent emergency shelter ordinance, define emergency shelters in the definitions section of the Development Code, and create development and management standards in accordance with Senate Bill 2. Transitional and Supportive Housing The City will amend the Development Code to adequately define transitional and permanent supportive housing and permit these uses based on unit type, in accordance with Senate Bill 2. Chapter 4: Strategic Plan Page 88 City of San Bernardino 2010-2015 Consolidated Plan Streamlined Processing The City is committed to continuing the streamlining of development activities and regulations and will continue to analyze potential programs that seek to eliminate land use constraints, particularly as related to the provision of new housing and rehabilitation of existing housing. The City is considering amendments to the Municipal Code that will allow increased administrative authority for staff or Zoning Administrator to grant discretionary approvals for housing projects, administrative relief for lower cost housing and density bonus programs, and deviations from the Development Code for lower cost and senior housing projects. In addition, the City will continue to evaluate fees to identify those that may be waived and/or decreased in order to encourage lower cost and senior citizen housing. I. Institutional Structure The Economic Development Agency (EDA) of the City of San Bernardino is the lead agency for the development and implementation of all of the City's housing and community development programs. The Agency is responsible for the preparation and implementation of the five-year Consolidated Plan, annual Action Plans, and any amendments to either Plan. In addition, the Agency is responsible for preparing the Consolidated Annual Performance Evaluation Reports (CAPERS), which reports the progress achieved during a given fiscal year. Implementation of the Consolidated Plan requires the efficient leveraging of multiple funding sources — federal, state, local, and private resources. These funds create housing and economic opportunities for low and moderate income households, particularly those with special needs. The City and EDA will continue to aggressively attract housing development to ensure that all development will be completed in harmony with the State Housing Element and Consolidated Plan's goals. The City and EDA will also continue to coordinate the execution of a regional homeless assistance plan with a countywide Homeless Coalition and the Community Action Partners of San Bernardino County. These groups include: • Non-profit service providers • City of San Bernardino Police Department • County Board of Supervisors • County Department of Public Social Services • County Department of Mental Health • County Department of Public Health • Realtors • AFL-CIO • Veterans • Building Industry Association • Habitat for Humanity • Local colleges • Job training groups The participation of the City and EDA in this cooperative effort enables and facilitates the delivery of homeless services and resources through effective networking. In addition, any Chapter 4: Strategic Plan Page 89 City of San Bernardino 2010-2015 Consolidated Plan development of homeless services outside the city limits serves to lessen the City's homeless problems. Gaps in Service Delivery System The most significant gap in the service delivery system is the lack of sufficient funding to address the City's extensive needs. To bridge this gap, the City actively pursues additional funding opportunities for housing and community development. The City also encourages public/private partnerships to maximize the effective use of resources. J. Coordination Many projects involve the coordinated efforts of public, private and quasi-public agencies and organizations. For example, the Agency coordinates the development and execution of a regional homeless assistance plan with a countywide Homeless Coalition and a Local Coordinating Group. The Economic Development Agency will continue to meet with public and other housing and supportive service providers to use all available resources to the maximum levels of effectiveness. Meetings with these agencies will occur regularly throughout the fiscal year to endorse applications for funding and to discuss cooperative ventures. The City and EDA will also continue dialogue and project coordination with the various public/private agencies involved in implementing the City's housing goals in order to receive input on regulations, codes, and ordinances that could potentially have adverse effects on the development of affordable housing. K. Monitoring The City of San Bernardino follows strict internal monitoring procedures to ensure funds are used appropriately and effectively. Subrecipients are monitored through quarterly reports and onsite visits by the grants coordinator. Affordable housing development projects are monitored to ensure compliance with housing quality standards with City staff performing site visits, inspections, and auditing tenant files. In addition, property management is required to submit reports documenting compliance with income restrictions. The City will continue to undertake annual reviews of all agencies it provides financial assistance to in conformance with 24 CFR 91.230. Findings will be provided as part of the CAPER Report, due to HUD annually. The report will describe the current status of planned activities, as described in the Plan, as well as other information that describes the progress and successes of activities. The Five-Year Consolidated Plan priorities will be evaluated through a comparison of the goals set out for the fiscal year and the productivity characteristics and completion data for each program or activity implemented for the accomplishment of those goals. Performance Measures The City has been continually working to develop a system that measures productivity and program impact. Chapter 4: Strategic Plan Page 90 City of San Bernardino 2010-2015 Consolidated Plan Productivity The Integrated Disbursement and Information System (IDIS) is used to track expenditures and accomplishments of CDBG and HOME funds. This information is subsequently used by staff to prepare the Consolidated Annual Performance Evaluation Report (CAPER) and to evaluate future funding applications. Program Impact An appropriate performance measurement system would also include a component that measures program impact. Program impact reflects the extent to which activities yield the desired results in the community or in the lives of persons assisted. Output-Based Performance Outputs are direct products of a program's activities. They are typically measured in terms of the volume of work accomplished, such as number of low income households served, number of items processed, or number of units constructed or rehabilitated. The processes described above provide the department with the necessary level of information to satisfy the "outputs" component. Outcome-Based Performance Outcomes are benefits that result from a program or activity. Outcomes typically relate to a change in conditions, skills, knowledge, status, etc. Outcomes could include improved quality or quantity of local affordable housing stock, improved or revitalized neighborhoods or improved quality of life for program participants. The City intends to require each subrecipient of federal funds to describe beyond quantitative accomplishments how their programs and/or activities provide a more comprehensive, far reaching level of improvement to each individual benefiting from the use of federal funds. Chapter 4: Strategic Plan Page 91 Appendix A: Public Outreach 4 1 1 1 1 I 1 3! +j1 1 l a i a i i City of San Bernardino 2010-2015 Consolidated Plan Appendix A: Public Outreach Citizen Participation Process The City of San Bernardino 2010-2015 Consolidated Plan has been developed through a collaborative process involving participation by residents, service providers, and City staff. Two primary methods were used to solicit public input for the Consolidated Plan: A community meeting was held on January 21, 2010 in the Economic Development Agency Board Room. Participants were introduced to the Consolidated Plan process and asked to discuss community needs. Invitations and flyers were circulated to community groups and local service providers. A community survey, which assessed housing and community development needs, was distributed to residents and service providers. Surveys were made available at community centers and public counters, located online, and distributed at the January 21, 2010 community meeting. Overall, 142 residents and service providers responded to the Housing and Community Development Needs Survey. These surveys were analyzed and informed development of the needs and objectives in the Consolidated Plan. Community Meeting The City of San Bernardino conducted a community meeting to gather information and solicit input regarding community needs and priorities. Community Meeting Date: January 21, 2010 Time: 6:30 PM Location: Economic Development Agency, 201 North E Street, EDA Board Room In total, more than 15 residents and representatives of service provider agencies attended, in addition to the five Community Development Citizens Advisory Committee members. Service providers attending the Consolidated Plan community outreach meeting included: Appendix A: Public Participation A-1 City of San Bernardino 2010-2015 Consolidated Plan • Time for Change • A Servant's Heart Outreach • Central City Lutheran Mission • St. John's Success Center • Inland Fair Housing & Mediation Board • Apartment Association Greater Inland • Project Life Impact Empire • Universal Nursing Systems • OMNIP Following are the notes from the meeting: Priority Needs • Senior housing • Shelters • Fair housing for post-incarcerated persons o Questions regarding previous incarceration on applications for housing limit access to public and affordable housing for post-incarcerated persons • Jobs creation and employment training are needed; potential jobs could be created out of CDBG projects, such as landscaping or minor construction • Housing Rehabilitation is needed, especially for single-family homes • Development of more multi-family housing and mixed-use/multi-purpose buildings is desired • Solutions to homelessness are needed; a transition from homelessness into a permanent place is critical, including services available for the transition • Section 8 waitlist is complex and long, limiting access for many needy families • There is a general lack of accessible housing for disabled persons. The Inland Fair Housing and Mediation Board noted that in previous times, the most common fair housing complaint that they had was with regard to racial discrimination. Today the most common fair housing complaint is with regard to disability. There is a need for reasonable accommodations/modifications. • Rental gap assistance to keep people in their homes (one month) would help people avoid homelessness • Counseling for families in crisis, homeless services (including health care), and services for youth are especially needed • Need for after-school programs (interesting and active); these programs can also provide needed jobs • Expand community centers to provide youth services • Need for permanent homeless shelter, with counseling and services connected to housing in a one-stop shop o Some existing housing opportunities in the City: • Veronica's House (transitional housing for 80 families) • Mary's Table (example funded with HOME funds) • Concerns regarding seniors and high property taxes • Need for mental health care and housing • Apartment Association —goal to operate ethnically and successfully offer o Know fair housing law, disability law fair housing class o Provides education forms Appendix A: Public Participation A-2 City of San Bernardino 2010-2015 Consolidated Plan o Provides opportunities and legal advice • Foreclosures are a consistent problem in recent years • 90-day notice required by owner • Renter is last to hear, and often doesn't know whom to pay • Mediation is an option, cash for keys • There are many absentee owners/landlords. The City uses NSP funds to purchase abandoned homes, rehabilitate them, and sells them to lower-income households. • Nonprofit facilities are experiencing budget shortfalls and have a need for affordable space to support their provision of services • Need for community centers • Expand or consolidated youth/seniors • High tech • Adopt a grandparent • Maybe move parks and recreation • Senior nutrition/services are a continuing need • Need for nonprofit agency collaboration to offer consolidated services and partnerships; these connections, in addition to working with parents, high school students, and families support nonprofit missions and helps get more work done. • Homelessness is increasing as a result of foreclosures; approximately 5,000 foreclosures in the City since January 2008 0 2,700 homeless San Bernardino students o Emergency food need • Overcrowding is a continuing issue • Facelift neighborhoods • Jobs training • Safe houses needed for victims of domestic violence • HIV and Emergency Housing and Extended Care is needed o In coordination with connections/referrals from local hospitals (streamline) r Appendix A: Public Participation A-3 City of San Bernardino 2010-2015 Consolidated Plan 4aM City of San Bernardino Housing, Community Needs, and Fair Housing Workshop Thursday January 21, 2010 6:30 p.m. The City of San Bernardino invites your participation in a workshop to discuss community development, housing, &fair housing issues The City of San Bernardino receives nearly $5.5 million annually from the federal government for housing, community development, and infrastructure projects. We need your input to help determine housing and community needs in your community for future funding. In addition, we invite you to discuss any fair housing concerns you may have. Fair Housing means equal access to housing regardless of race, color, national origin, ancestry, religion, sex, disability, familial status, marital status, source of income, or sexual orientation. This workshop will be held as part of the Community Development Citizens Advisory Committee meeting held at: City of San Bernardino Economic Development Agency 201 North E St. EDA Board Room (Third Floor) -if you require special arrangements,please contact the Economic Development Agency at(909)663-1044 Appendix A: Public Participation A-4 City of San Bernardino 2010-2015 Consolidated Plan SAN 13ERNARIXNO COUNTY SUN l,,.wa+wwnr..r.n b0DN0EeR(YA BLVD,8AN BERNAROMl0,CA 0210, TelepMe(00%09D0656 IFar ry0%BB6-1453 Lisa Connor/ShereeMeler ECONOMIC DEVELOPMENT AGENCY-CI SBSITY:1773673 pp 201 NORTH E ST#301 N C31Y OF SAN DEANAAgNEEDS, SAN BERNARDINO,CA-92401 M Fair Na0.m0 Hlork,b TO UnreYl.M.121,211IO The[IN d S n90�moralrrrggq InAlee your podlcllw11.Pn a yror�red I. a"U'1qs� en nit d... dlMnt, PROOF OF PUBLICATION T�ne'CIry p1I S.DS,.a o°'remlve, nearly S56 mIIBOn annually from the Wend �ryppvemm9nl mr M..1m, p05.5 GC PJ Inl yitr ..OnMCK M ono vwr Inner m help'Jerethnfided pW6led,rd SoletlCaOwnle ) (d, .did,nMdS In It, CamN a6W BERNAROINO )ss Is, mre fund... 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AOOOOO1s11T7eA Appendix A: Public Participation A-5 City of San Bernardino 2010-2015 Consolidated Plan l Proof of Publication (201.153GC.P.)q SPATEMCAL RNA. 4 reantyo(a peardirw., I dederc andd s pwalty of pe0ury than 1 am a or.of the Urdu d Bute nM a resident of the Cams, afaeanld:I am aver the age of eighteen years,and ndn perry to nor Nfereated in the above entitled meter.I and tM pdMpal clerk of the prinl4 a Ih<fv Chicsru CommuNry Nnvspapa,a nnvepepu pdnBaderd publislud weeWy in the Gty or Sm Beemm rdino,County dean BatuNW an t avMrh a,vepaper rho the Supertor Cesar d Wd ro�mty Ivr ddrrmtoafon as a navepaper d general dorob. aabeng reran.15dm9,da4d Mn y,1,19Tl,that<he N011u of AVLodlvm 6r DeknunM as a Nnvepnper of Cannel am se. and Petition for Deermlroom as a Nmvspapm of General Condors,of nifl h the emtaed is a Added wpy,hu ban publishes in each regular a-ao tune d etld r4a,o mr _ - mdndlnenYwpplemadtlureofwihe haloMng dews.u,"d: - January]a,n,]m0 City of Son Bernardino - 1 a fy,aWa penalty of perryry that dw fnregang Is we and Housing,CofnmunityNeeds,and Fair Housing Workshop aood., - Thursday January 21,2010 Datod:pnuary21,2910 - 0:30 P.M. - - The City al San Bernardino Invites your pat0eleetlon In a work. shop to discuss community dwelapmmt,housing;0 Mir housing Sgmhv slues The City of Ban ..nt Bernardino m housing co,nonI m711Idn 1,,a q,from - IHs federal gove6,11s. /a ad your.input toh if,delonaamen;and In lrgslNOtura y n ecte.n y needy input to help de W.In Housing - antl mmmUNrynes u Inanyfaorhousing concerns o rrs haMmay n ad Inns.Fair _I vhatrade yW.discuss N.01eanyfelrhousinggar you may olor, geuain t Wed,a equal,Ways to",d6sg rsaerdlesa'al rasa,astir, nekararatrce fI'don ry,religion, l o'lenaaton. iamiiiai aW1W,merael - alaWe,source of Income,or"Mal mienlalbn. This wargehop will ties held as part of the Commbngy Development -' Gtuons Advisory Commlteemeating held at City of Sao Bernardino Emncmlc DeWfopment Agency 201 North ESt. EDA Board Room Must Floor) - v you requhe special urcnamnsnle,plaen wmadl Ih0 EtzaNalro Devebp nawd Agmayc1(W)$ha.t044 El Chicano Newspaper P.O.Buz 6247 Ban Bernardino,California 92412-6247 Phone(909)381-9898 a 384-0408 FAX Appendix A: Public Participation A-6 i City of San Bernardino 2010-2015 Consolidated Plan Community Survey Y As part of the 2010-2015 Consolidated Plan, the City of San Bernardino conducted a Housing and Community Needs Survey to access community opinions and concerns in seven needs categories: • Community Facilities • Community Services • Infrastructure Improvements • Neighborhood Services • Special Needs Services • Economic Development • Housing These needs categories were further divided into specific topics, such as "community centers" (from the Community Facilities category), "street/alley improvements" (from the Infrastructure category), and "senior services and activities" (from the Community Services category). For each category, the respondent was asked to indicate unmet needs that warrant expenditure of public funds by ranking each topic with a "priority need" level from Lowest to Highest need. In tabulating the survey results, "1" is used to denote the highest need and "4" to denote the lowest need. An average score was calculated for each need category; the lower averages (and closer to 1) represent the community's assessment of that category as more in need. A total of 143 surveys were returned. Table A-1 indicates the rank that each unmet need received. Table A-1: Community Development r Needs Category NStations slPro rams Rank ions&E ui ment 1 nters 2 are Facilities 3 C ommunity Facilities Recreational Facilities 4 5 i Centers 6 enters 7 Child Care Centers 8 Anti-Crime Programs 1 Youth Activities 2 Health Services 3 Community Services Transportation Services 4 Mental Health Services 5 Senior Services&Activities 6 Child Care Services 7 Legal Services 8 Ownership Housing Rehabilitation 1 Housing Homeownership Assistance 2 Energy Efficient Improvements 3 Senior Housing 4 Appendix A: Public Participation A-7 City of San Bernardino 2010-2015 Consolidated Plan Table A-1: Community Development Needs Survey Results Needs Category Activities/Pro rams Rank Rental Housing Rehabilitation 5 Housing for Disabled 6 Fair Housing Services 7 Affordable Rental Housing 8 Housing for Large Families 9 Lead-Based Paint TestlAbatement 10 StreeVAlley Improvement 1 Street Lighting 2 Code Enforcement 3 Infrastructure Water/Sewer Improvement 4 Flood Drainage Improvement 5 Sidewalk Improvements 6 Tree Planting 7 Small Business Loans 1 Job Creation/Retention 2 Economic Development Employment Training 3 Facade Improvements 4 Rehabilitation of Commercial/Industrial Properties 5 Centers/Services for Disabled 1 Handicapped Access in Public Facilities 2 Domestic Violence Services 3 Special Needs Services Substance Abuse Services 4 Homeless Shelters/Services 5 HIV/AIDS Centers and Services 6 Ne Iededaused Children Center and Services 7 Community Survey Comments The Community Survey also allowed respondents to provide written comments regarding community needs. Those comments are included below. • Teen Pregnancy • Having Code issue administrative citations some times does not get the property cleaned up. There needs to be a way that the City will go in and clean the property then charge the owner. Issuing a citation doesn't mean that the property will be brought up to code. The neighborhood is still suffering because of one property even though hundred and sometimes thousands of dollars in citation fees have been issued. The goal needs to improve the appearance of the neighborhood. • Fire protection in the north end is important! • Unranked items on my responses are deemed not to be priorities that the city should spend taxpayer money on. While noble and valuable, these areas are better served with private sector investment and assistance. • Carousel Mall needs to be rehabilitated to once again become the center of the down town area, making money for the city, not as a government building! • Community Building- Building the sense of belonging and engagement so essential to this city. Appendix A: Public Participation A-8 City of San Bernardino 2010-2015 Consolidated Plan • We should concentrate on using our gifts and capacities rather than addressing our needs when looking to spend federal dollars. • San Bernardino schools are suffering from lack of funding while our school district has an absurd number of superintendents who receive large salaries for doing essentially nothing. We are not seeing any benefits from having these people being in charge of our schools. • I feel it is important City acts upon professional suggestions to begin downtown's transformation into one representative of Sports University's online rendering of what SB Downtown is supposed to look like. Tear out that asphalt already, please :-) ALSO: No mention in the survey of either the new transportation hub at 2nd & Mill, or the high speed bus service. Both very eagerly awaited :-)ALSO: Arrowhead Springs Resort - when we may start suggesting it as a venue for events ALSO: The importance of prioritizing the whole foods weekly distributions (with USDA Food Stamp Acceptance Approval). _& I are working toward at ALL city community centers/senior centers, etc. We MUST begin to elevate ourselves to optimum levels. Kids on Pepsi, Pizza & Cheetos will NEVER thrive. Please, let's see 2010 become Year One for the wholesome fresh produce distribution network, available to ALL citywide :-)xoxox -— • We need to revive downtown San Bernardino in order to restore pride in our city's residents. • Gay, Lesbian, bisexual and transgender youth are our most at risk of at-risk youth. Rainbow Pride Youth Alliance is the only local nonprofit attempting to do something for these kids, with little community help. The city needs to consider these kids in developing and funding youth support programs. • Make available to those who are disabled: grants for "reasonable' home improvements(i.e.: to repair roofs, or other repairs that would strengthen the integrity of the homes structure, or to make the home more 'accessible' for the disabled / i.e.: non cosmetic repairs) AND PLEASE make the knowledge of HOW TO ACCESS these grants available to the public!!! • Community based, as opposed to school based, youth programs and homework centers • Propaganda, a program to give our city a good name and to erase the negative feeling most have towards SB. This would enhance almost every program discussed in this survey. We need to make SB a desirable place to do business and to live. All property values would rise with a good propaganda program. • Appreciate the opportunity to give some input in the decision making process. • A: I would like to see a City tax on all monies sent out of this country. B: We should wage a city-wide war on ALL gang activity, including tagging. C: I would like to see other types of music at the Orange Show, instead of Rap and Rave. This venue used to showcase the best and brightest. • There are way too many people going hungry in our city right now. Many of which are seniors and children. We need to support more charitable food distribution of offset the large amount of job losses etc. to good families. Nobody in America should be going hungry. • Communication with the Public(Available also in other languages) • I think there is a need to bring the residents together to build a feeling of community and pride in our city. More community events and more publicity for those events • We need to make all businesses that sale illegal drug related items i.e.: pipes, rolling papers etc. to be policed. The Smoke Shops have clients who are themselves or Appendix A: Public Participation A-9 City of San Bernardino 2010-2015 Consolidated Plan know people who are on drugs or sale drugs. They sell bongs and crack pipes and I don't like them in my neighborhood. • First of all, PLEASE learn how to spell the name of our city-it's SAN BERNARDINO- not SAN BERNADINO. This glaring error just makes the whole thing look bogus. • Listing from 1-10 isn't a true indication as so many are equally important and cannot properly be ranked. • 1 would like to see programs which encourage citizens to volunteer in needed areas and not just put all the responsibility on city government. • Ages 55 and up and disabled people need places to live that crime is low and they can be safe and can afford the rent. These people cannot work any longer while young people stay on Section 8 for years. It is those that can no longer be of use that are ignored. JOBS JOBS JOBS DUH. STOP SPENDING MONEY ON PEDOPHILE DAY CARE for crack babies and get the people who live here jobs. Stop hiring people who live in other cities. • All homes that are boarded up something needs to be done to them they just create problems for the community, make them affordable to 1st time buyers and remodel them to look presentable. 80% of the time homeowners take more pride in the community • Political honesty, integrity and sincerity. A demonstrated interest in the public's needs. The questions in this survey seem to perpetuate the whole blight, graffiti, homeless situation that we are already experiencing in SB. I would like to see SB returned to its old self. It has gotten so bad in the last few years and homeless shelters, Section 8 housing and housing for convicted felons are only increasing these issues. We need to start reversing the issues that SB faces and this includes making SB a city where people want to purchase property not just a place that property values are so low that anyone can afford housing. • What about increasing police services?We need to increase street officers. • Water conservation measures including assistance to owners to make water-wise improvements to landscape. • The need in this community is providing the youth in this community something to do rather than join gangs. Our area needs a boys and girls club, we need basketballs courts, tennis courts, activities for our youth to participate in. Movies or concerts in the park. Wildwood park is such a beautiful park but there is nothing going on there to bring families there to enjoy it. Business suffers because kids have nothing to do but shop lift. Kids need to be a good part of the community but here there is nothing to so them how. • No more low housing. Example: Waterman Gardens, it just brings more crime into San Bernardino • Although my zip code is 92346, 1 live in an area that is zoned into the City of San Bernardino. I definitely feel that the City needs to stop using funds to develop more low income housing and focus on using those funds to develop housing for seniors. • If you have monies that you want to know how to spend, maybe you have over taxed the citizenry. • The city should focus on gamering volunteerism and community pride - to change the culture and climate of San Bernardino -so civic pride must be restored. • Quit approving strip malls as there is already an over abundance of them and lots of vacancies. Be new business friendly instead of running new businesses out of town Appendix A: Public Participation A-10 City of San Bernardino 2010-2015 Consolidated Plan due to some of the ridiculous requirements and regulations. This town has really gone downhill in the 35 years I have lived here! • Weatherization programs. I see many houses that are in desperate need of new roofs, and with the price of roofing I can understand why they are not done. Not only would this beautify the city but it would make the city more energy efficient. • I feel that the homelessness in the city of San Bernardino should be addressed due to the fact that now complete families are becoming homeless due to the economy. This would help a lot of families if we were able to access low income housing for people who would not normally qualify for low income housing but due to the economy are now part of a one income family, such as myself. We also need affordable health care. Thank you for understanding the needs of the citizens of San Bernardino. • If you want to make San Bernardino a great city again, eliminate/greatly lower corporate taxes within the city limits and create a safe environment that businesses will want to come to and stay in San Bernardino. Then lower the sales tax to entice consumer revenue so people will come to San Bernardino to shop and spend money. Then lower the property taxes. This will start to revitalize the city making more people want to buy homes here. Then current homeowners will with their own money fix up their own houses, making the neighborhoods more attractive. This will make other people want to live here and buy houses, and shop and spend and work. Eventually this city will be as prosperous as it once was. Please do not spend it on programs that throw good money away and leave the residents with unsafe communities, pot hole ridden streets, empty buildings, foreclosed homes, unusable dirty unsafe parks, and an undesirable place to live and work. Let the private sector thrive instead of more city programs that help the special interests. Somewhere out there is a great man who will act in a selfless way, and serve this city uncorrupted. That man will be used by God in a great way and lead this city back to a great place to live. But until that great man comes, no spending on any programs except police, fire, street repairs, and enforcing the city, State and Federal Laws. It's time to buckle down and tighten our belts for a better future. • Repair roads • Four fireman on engines in 4th & 5th wards. • More patrols in the Verdemont Area, as more crimes are happening in this area. Have S.B.P.D. take reports no matter how busy they are, we still matter and pay taxes. • We also need to ask open ended questions in each of the neighborhoods to ask how can the city help reduce crime. • The city needs to focus on the north end area off the 210, particularly the Waterman Ave. exit area. Thousands of people get poor impressions of SB from that area while they are on their way to and from Lake Arrowhead, Lake Gregory, and Crestline. The lower crime rate, beautiful, well-maintained older homes, and established trees and landscaping in that area would make it much less expensive to rehabilitate that area than many other areas of the city. The city must convince Caltrans to improve the .andscaping along Waterman Ave. and the police department should rid that exit of the constant presence of people begging for money. The empty ex-Stater Bros. building needs to be filled with a high-end store, not another Mexican market. I heard that Trader Joe's was interested in it. That would bring a lot of money into San Bernardino that is currently going to Redlands and Rancho, as well as give the North Appendix A: Public Participation A-11 City of San Bernardino 2010-2015 Consolidated Plan End a wonderful image update. Last but certainly not least, the abundance of ugly, old, crime-ridden, section 8 apartment complexes needs to be drastically reduced! • The city requires full time, full paid elected officials to represent and work on behalf of the residents. Staff is too focused on priorities set by a few inside City hall rather than the people. Full time Councilman will mean full time focus and results. I really would like to see the City to complete a parks and recreation plan to implement parks and community services to underserved areas of the City. I live in the northern part of the City and there are no community centers in this area. • There needs to be more opportunities for recreation (especially an aquatic center, great than the CID)for physical rehabilitation and physical fitness • 1 think there is a need to have more police on regular patrols. There is never any police presence in my neighborhood. Patrolling helps eliminate graffiti and vandalism. I believe that the highest priority should be establishing jobs and businesses in S.B. to create tax dollars for the public services help. Establish housing that is affordable, and help stabilize the loss of foreclosure. Some meetings to get ideas in how to solve the building and housing vacancy for efficiency. Maybe allowing assistance with new homeowners that reduce the empty house that usually has weeds growing and vandalized. Let's not plant trees and repair sidewalks until the major changes are made. Parents should be responsible for there children's activities but volunteer big brother programs and ideas prevent the city using funds for more important projects. Maybe creating support groups with people with hiv/aids and other medical needs could also save the city project money. We need to have a nice lunch meeting for the public and allow residents to express there vision's of what the real needs are which ones will take care of themselves, and where volunteers could solve problems that burden the city. I would love to eat a good lunch, pay 15.00 with other residents and share my ideas. I would like to rationalize my ideas of priorities and explain the reasoning. • Job development • Entertainment for our community and youth • More Police to enforce the laws, panhandling, vagrancy, and squatters. More of the unused and abandon buildings torn down. Beautification of Highland Ave. and improvement of the look of the business. We need stricter civic laws that govern business and residential areas. We have enough low income housing; that is all we have! We need to attract industry which attracts and retains high paying professionals. What happened to using Norton Air Force Base as a shipping hub? • Many residents "desperate for the American Dream" living in the City of San Bernardino lost their homes prior to all the "loan mod" activities and based on the restructuring of loans can afford to pay mortgages as they are now, but because of foreclosures can not get a home now. Given an opportunity a special program would assist these persons in stable jabs to once again obtain dream home with financial education classes and assistance from the city. I work in the social services field and have seen many families couch surfing with their families because they do not want to go the motel and would never go to the Salvation Army with their children. Some are too ashamed and live in outer motels using a great deal of their pay checks. These families would be a great asset to the community. The city should buy some of the houses, rehab them, turn them over to a non-profit like the IECAA churches, include renters insurance or whatever it takes to cover City's liability, include financial education, Civic government meetings; City Council, School Board meetings, Credit Union Meetings etc. a year long program at minimum creating Appendix A: Public Participation A-12 City of San Bernardino 2010-2015 Consolidated Plan points for community involvement with option-to-buy. 50 vested families strategically placed within the City of San Bernardino would make a difference Coldwell Bankers should jump on it- I see more blue and white signs falling down around the city than still standing - I bet the houses are taking a beating inside too or did they receive enough of our bailout money to weather the storm? If they are waiting 3 more years in hopes that they can come strong there may not be enough standing to build on. • A downturn in the market is a great time to develop, bolster and extend existing redevelopment plan areas. Also we should be developing strong planning elements that will better position our city for larger CDBG and transportation allocations in the future. With better funding, we can leverage our assets, resources, and political capitol to establish strong community partners. This will allow us to spread the maintenance obligations and to synergize program development. We need a strong downtown draw. By pushing facade programs, demolish grants (if we have them), and aggressively assembling land we can lay the ground for large marquee redevelopment projects. Transportation corridors are poor and cosmetically unappealing. Many funding sources can be used to address this issue. Last and most important, the city has completely failed in branding itself. Much work needs to be done here. • I have found it very disheartening that with the economic down turn our city has taken money away from our schools and removed teachers which crowed the class rooms even more so. I am stammered how when push comes to shove financially, money is easily obtained by cutting spending from other departments. Has any one thought to cut the mayors money or the money he gets to spend with in his own department. The last place money should be taken from is from our schools. This is of the highest priority to me. • We desperately NEED to give 40th Street a face lift. Sadly, San Bernardino has such potential due to its central location and it is quickly spiraling down. • Dilapidated/abandoned houses. Could these be rented by subsidies if only temporarily to avoid neighborhood blight. Appendix A: Public Participation A-13 City of San Bernardino 2010-2015 Consolidated Plan City of San Bernardino 2 Community Needs Survey The City of San Bernardino receives approximately$5.4 million in federal funds each year for housing and community development projects.The City wants you to have a voice in how to invest this money.As you foil out this survey,please consider the following: 1) Consider the needs in your community and how they can be improved: 2) Rank the importance level for won of the following items within the section,with a ranking of 1 being the most important need. Please provide your 21P CODE Senior(65«)?Y/N Do you have a disabihy?Y/N Do you rent or own your hone? In each section, use the blank space to the right of each item to rank in order the item that you feel is the most important in San Bernardino.(1 indicates the most impafant need,2 indicates the second most important need,etc.) Community Facilities Rank(From 18 20a mum" Services Rank roml8 Senior Centers Senior Services B AS tNlties Youth Centers Youth Activities Child Care Centers Child Care Services Parks&Recreational Facilities Transportation Services Health Care Facilities Anti-Crime Pro ms Community Centers Health Services Fire Stations&Equipment Mental Health Services Libraries Legal Services Housing Rank(From 1-10) Infrastructure and Rank(From 1-7) Neighborhood Improvements Ownership Housing Rehabilitation Flood Drainage Improvement Rental Housing Rehabilitation Water/Sewer Improvement 1-omeonnerslhip Assistance StreetAlley Improvement Affordable Rental Housing Street Lighting -FFousing for Disabled SidevnikImprovements Senior Housing Tree planting Housing for Large Families Code Enforcement Fair Housing Services Special Needs Services Rank From 1-7 Lead-Based Pant TesUAbatement Centem/Services for Disabled Energy Efficiency Improvements Handicapped Access in Public Facilities Economic Development Rank(From 1-6 Domestic Kiolence Services Small Business Loans Substance Abuse Services Job Creation/Retention Homeless Shelters/Services Employment Training H WAIDS Centers&Services Facade Improvements Neglected/Abused Children Center and Services Rehabilitation of Commercialllndustrial Please write in any needs that are not listed above or Properties include any comments you would lire considered: Please return surveys by January 30,2009 to: Economic Development Agency,201 North E Street,Suite 301,San Bernardino,CA 02401 For any questions about these surveys,contact: Lisa Connor at(000)663-1044 or at IconnorCsbrda.org Appendix A: Public Participation A-14 City of San Bernardino 2010-2015 Consolidated Plan Ciudad de San Bernardino Encuesta de Necesidades sobre Vivienda y Desarrollo Comunitario La Ciudad de San Bernardino recibe coda aflo aproximadamente $5.4 millones de Tondos federates pare proyectos de vivienda y desanollo. La Ciudad desea que usted tenga una vu en cal sera la molar manes de invertir este dtnero.AI Ilenar este cuestionado,par favor considere to siguiente: 1)Cuales son la necesidades de su comunidad y coma se podria mejorar esa sduaddn. 2) Calilque el nivel de necesidad pare coda uno de los siguientes conceptos, empuando con el n6mem 1 pars identifier Is necesidad m6s importante. Por favor,provea el c6digo postal de su residencia: 4Edad(65+)7 Z7ene Usted alguna discapacidad7 SIN 6Vtve lusted an casa propia o de rental En cada seccibn,utilice el espacio en blanco a la derecha de ada artlalo para indicar su orden de importancia seg(in to que usted piensa ser to mss necesitado en San Bernardino.(1 indica la necesidad rids importante,2 indica to segunda necesidad mas importante,etc.) Lugares Comunilarios Rango(de 1-9) Servicios Comunitados Rango(de 1-$) Contras pare Personas Mavores Servicios pare Personas Mayones Centros part Jdvenes Acbvidades pare 16venes Centros de Cuidado Infantil Servicios de Cuidado Infantil Par ues y Centros Recreathnos Servicios de Trans rte Centros parna el Cuidado de Is Salud Pro camas de Anti-Comen Centros Comunilarios Servicios de Salud Eslaciones de Bomberos y E ui o Servicios de Salud Mental BihFatecas Servicios Legales it Vivienda Rango(de 1-10) Infreestructura y blejorfas en Rango(de 1-7) Vecindados Rehabilitation pam Vivienda Pro is Mejonas an el Desa 0e Rehabilitati6n ara Vivienda de Renta Mejortas en A ua/Alcantadllas Asistencia pars Com rer Casa Mejorias en Cates/Callejones Vlviencia Economic pars Renta Iluminaci6n de Ias Calles Vivienda pare Personas Disco acitadas Me'onas en las Ban uetas/Aces Vivienda part Personas Mayoras Plantactdn de ales Vivienda pare Families Numerosas Enforzamiento de C6di os Servicios de Vivienda Justa Necesidades Es eciates Rango de 1.7 Fx3men/Disminuct6n de Pintura Centros/Servicios pare Discapacitados Basada en Plomo Me- rias de Eficiencia de Ener to Accesos para Disco acitados Desarrollo Econ6mico Ran o de 1.51 Servicios antra Violencia Dom69tica Prestamos para Pe ueflos Comercios Servicios para Abuso de Sustancias Creacitin y Retention de Empleos Amparo/Servicios pars Personas sin Hagar Entrenamienta Pam Empleo Centros y Servicios de VIH/SIDA Mejorias de Fachada Centros y Servicios pare Was Abusados Rehabilitati6n de Propiedades Por favor escriba cualquier necesidad que no haya sido Industriales/Comeroiales mencionada o ineluya cualquier comenta io que usted uiere ue sea considerado: Favor de entregar esta encuesta a mSs tardar el 30 de enero 2009 en: Agencia de Desarrollo Economico,201 North E Street,Suite 3Di,San Bernardino,CA 92401 Puede dingir sus preguntas/oomentanos sobre esta encuesta a:Lisa Connor at(909)663-1044 o IeannurCsbrda.org Appendix A: Public Participation A-15 City of San Bernardino 2010-2015 Consolidated Plan Community Development Citizens Advisory Committee Meeting The City of San Bernardino provided a draft of the Al to its Community Development Citizens Advisory Committee Meeting for their review and solicited comments, questions and feedback from the Committee. Community Development Citizens Advisory Committee Meeting Date: March 25, 2010 Time: 6:00 PM Location: Economic Development Agency, 201 North E Street, EDA Board Room The meeting began with a presentation of the City of San Bernardino Five Year Consolidated Plan and Analysis of Impediments to Fair Housing Choice to the five Committee members in attendance. This was followed by a question and answer session between the Committee, City Staff and Veronica Tam and Associates. The following two comments were received: • Foreclosure on Section 8 property owners is becoming a problem. Committee member is aware of Section 8 Voucher recipients who are being evicted with little notice because the property owner is in foreclosure and has not alerted the Voucher recipient. • Would like to see a senior recreation and service center built in the City. There is no space for seniors to have activities and services and San Bernardino is an aging community in need of senior services. Appendix A: Public Participation A-16 City of San Bernardino FY 2010 - 2011 Action Plan i i i i i April 2010 City of San Bernardino Economic Development Agency 201 North E Street, Suite 301 San Bernardino, CA 92401 (P)(909) 663-1044 (F) (909) 888-9413 I a i 1 I i 1 i I City of San Bernardino FY 2010-2011 Action Plan Table of Contents ExecutiveSummary.................................................................................................................i Action Plan: One Year Use of Funds......................................................................................1 A. Citywide Priorities........................................................................................................1 B. Resources Available....................................................................................................2 C. Geographic Distribution...............................................................................................4 D. Service Delivery and Management.............................................................................4 E. Priority Investment Plan ..............................................................................................4 F. Planning and Administration......................................................................................28 G. Lead Based Paint Reduction Strategy......................................................................28 H. Overcoming Barriers to Affordable Housing..............................................................29 I. Public Housing ..........................................................................................................31 J. Institutional Structure.................................................................................................32 K. Coordination..............................................................................................................33 L. Monitoring..................................................................................................................33 M. Specific Program Requirements................................................................................34 Table of Contents Page City of San Bernardino FY 2010-2011 Action Plan Executive Summary The City of San Bernardino has provided leadership in developing community strategies for providing decent, affordable housing, a suitable living environment and expanded economic opportunities for all households within the City. The City has developed viable partnerships with the private sector that include: financial institutions, real estate professionals, developers and private businesses. San Bernardino has also been at the helm in developing a strong collaboration with for-profit and nonprofit organizations to access federal and state programs to increase housing opportunities for low- and moderate-income households, eliminate blight, and provide necessary public support services for families or individuals in need of assistance, as well as address needed public facilities, infrastructure improvements and entice economic development activities. In 1974 the Housing and Community Development Act was passed by the United States Congress and signed into law, which created the Community Development Block Grant (CDBG) Program. In 1992 the U. S. Congress created the HOME Investment Partnership Act Program (HOME) to expand affordable housing opportunities for low and moderate income people. The City of San Bernardino is a Participating Jurisdiction and receives an annual formula allocation of funds under the CDBG program. These funds benefit low and moderate income neighborhoods and persons (with incomes up to 80 percent of the Median Family Income or MFI)' and aid in the prevention and elimination of slum and blighted conditions. The program is administered by the U.S. Department of Housing and Urban Development(HUD). The City's objective through the Community Development Block Grant (CDBG) program is to provide a viable urban community by providing decent housing, a suitable living environment, and economic opportunities principally for persons of low and moderate income. The City has detailed its approach for developing goals and objectives that will have a long-term stabilizing impact on City neighborhoods in its Five-Year Consolidated Plan, which was adopted in 2010 according to HUD requirements. Each year, the City prepares an action plan based on the entitlement grants it receives from HUD. For the 2010-2011 Program Year, the City will receive federal entitlement funds in the amount of$5,748,104 under the following programs: • Community Development Block Grant(CDBG) Program: $3,891,483 • HOME Partnership Investment Act(HOME) Program: $1,698,384 • Emergency Shelter Grant(ESG): $158,237 This Action Plan provides an explanation of the City's planned use of funds and serves as the City's annual funding application to HUD. The Plan includes the following components: • Citywide Priorities • Resources Available • Geographic Distribution • Service Delivery and Management The income limits used by the CDBG program are different from State of California income limits for programs funded with State funds or authorized by State legislation (such as the California Redevelopment Act). State housing programs usually extend assistance to households with incomes up to 120 percent AMI. Executive Summary Page ES-i City of San Bernardino FY 2010-2011 Action Plan • Priority Investment Plan • Planning and Administration • Lead Based Paint Reduction Strategy • Overcoming Barriers to Affordable Housing • Institutional Structure • Coordination • Monitoring • Specific Program Requirements This is the first Action Plan for the 2010-2015 Five-Year Consolidated Plan. A detailed discussion of the City's goals is also included. The City of San Bernardino encourages residents to become involved in the planning and implementation activities of the Annual Action Plan. The City involves its citizens in determining needs, issues and the designing of programs and activities to address those needs and issues. The City also coordinates the efforts of its City Departments to meet the identified housing needs, and utilizes housing programs and projects to create sufficient visual impact intended to stimulate additional private investment in the City's housing stock and diversified neighborhoods. As required by HUD, the City follows a Citizen Participation Plan in the planning and evaluation of programs contained in this Action Plan. Involving residents and stakeholders is necessary to accurately reflect the housing and community development needs of the City's residents. The City followed the Citizen Participation Plan outreach, noticing, and hearing requirements. This Action Plan has been developed through a collaborative process that included the participation of residents, service providers, and City staff. As part of the Action Plan development, the Community Development Citizen Advisory Committee (CDCAC) held a public hearing on January 21, 2010 to consider projects and activities for use of federal funds. The public hearing was held at the Economic Development Agency Board Room. In total, more than 15 residents and representatives of service provider agencies attended this meeting, in addition to the five Community Development Citizens Advisory Committee members. On March 25, 2010, the CDCAC held a public hearing to review the Draft FY 2010/11 Annual Action Plan for CDBG, HOME, and ESG funds. On May 3, 2010, the City conducted a public hearing to receive oral and written comments on the draft 2010-2011 Annual Plan and adopt the Action Plan. The Draft Action Plan will be available for public review for a 30-day period beginning March 30, 2010 and ending April 30, 2010. The Draft Plan will be available at the San Bernardino City Hall public counter and the following public libraries: Norman F. Feldheym Central Library, Dorothy Inghram Branch Library, Howard M. Rowe Branch Library, and Paul Villasenor Branch Library. Comments received during the public review period will be incorporated into Appendix A. Executive Summary Page ES-ii City of San Bernardino FY 2010-2011 Action Plan Action Plan: One Year Use of Funds This Action Plan provides an explanation of the City's planned use of funds and serves as the City's annual funding application to HUD. The Plan includes the following components: • Citywide Priorities • Resources Available • Geographic Distribution • Service Delivery and Management • Priority Investment Plan • Planning and Administration • Lead Based Paint Reduction Strategy • Overcoming Barriers to Affordable Housing • Institutional Structure • Coordination • Monitoring • Specific Program Requirements A. Citywide Priorities The mission of the City of San Bernardino is to actively and aggressively improve, develop and maintain quality neighborhoods and provide housing opportunities throughout the City. The City has identified nine priority areas to pursue and focus on in the Five-Year Consolidated Plan (2010-2015). The nine priorities are: 1. Preserve and rehabilitate existing single-family dwellings. 2. Improve neighborhood conditions through code enforcement and abatement of dilapidated structures. 3. Expand homeownership opportunities and assist homebuyers with the purchase of affordable housing. 4. Provide rental assistance and preserve existing affordable rental housing. 5. Expand the affordable housing inventory through new construction. 6. Eliminate identified impediments to fair housing through education, enforcement, and testing. 7. Assist homeless and special needs populations with supportive services. 8. Improve and expand community facilities and infrastructure to meet current and future needs. 9. Promote economic development and employment opportunities for low and moderate income persons. Action Plan: One Year Use of Funds Page 1 City of San Bernardino FY 2010-2011 Action Plan The City's strategy is to effectively utilize and aggressively seek federal, state, redevelopment, local and private resources to operate and implement a number of programs to assist households in each of the nine Priority Areas. The following section summarizes all of the funding sources available to the City. B. Resources Available The financial resources expected to be available to carry out and implement projects and activities identified for FY 2010-2011 are summarized below in Table 1: Table 1: Annual Resources Available (FY rt Program Annual Resources Federal Sources Community Development Block Grant CDBG $3,891,483 CDBG Program Income $40,000 HOME Investment Partnerships Act HOME $1,698,384 HOME Program Income $2,700 Emergency Shelter Grant(ESG) $158,237 Neighborhood Stabilization Program(NSP) $8,400,000 San Bernardino Housing Author4 Housing Choice Voucher Program $20,000,000 San Bernardino Housing Authority Public Housing $1,600,000 Total $35,790,804 Local Sources Redevelopment Tax Increment Funds(Approximately) $30,900,000 Redevelopment Housing Set-Aside $6,700,000 City General Funds and State Funds $20,100,000 Total $57,700,000 Non-Profit and For-Profit Sources Non-Profit Partners In-Kind Donations $2,800,000 Developer Investment $109,400,000 Private Lending Institutions $11,900,000 Total $124,100,000 Note: 1. While the City's Redevelopment Project Areas generate large amounts of tax increment funds,significant portions of those funds have already been committed to existing bonds and other debt or are needed to make ERAF payments to the State. Available funds for upcoming projects are significantly less than shown. 2. The City will not apply for Rural Homeless Housing Funds because there are no rural areas located within the City. 1. Support of Applications by Other Entities During FY 2010-2011, the City will support the efforts of San Bernardino County agencies, non-profit and other entities in their applications for funding from all available funding sources. However, the City will not support agencies' applications, if such applications are not consistent with the City's 2010-2015 Consolidated Plan. The circumstances under which the City will not support such applications are: • There is no demonstrated ability by the applicant to carry out the activity/project in a timely manner. Action Plan: One Year Use of Funds Page 2 City of San Bernardino FY 2010-2011 Action Plan • Type of activity, size of proposed project, and lack of implementation plan to successfully complete and maintain the project. Table Department of • • and Urban Development ' 1 Consolidated Plan Support of Applications by Other Entities Report Funding Source Support Application by Other Entities? FormulalEntitlement Programs ESG Y Public Housing Comprehensive Grant Y Com etttive Programs HOPE 1 Y HOPE Y HOPE Y ESG Y Supportive Housing Y HOPWA Y Safe Havens Y Rural Homeless Housing N Sec. 202 Elderly Y Sec. 811 Handicapped Y Moderate Rehab SRO Y Rental Vouchers Y Rental Certificates Y Public Housing Development Y Public Housing MROP Y Public Housing CIAP Y LIHTC Y 2. Leveraging Private and Non-Federal Funds Local funds will be leveraged to the greatest extent possible by using it as "seed money' or local match for programs funded by state or federal government and/or private enterprise. Financial assistance may be provided as grants or loans, and may include equity participation. 3. Matching Fund Requirements HOME Investment Partnerships Act (HOME) All participating jurisdictions must contribute or match 25 cents for each dollar of HOME funds spent on affordable housing. The HOME statute provides for a reduction of the matching contribution requirement under three conditions: 1) fiscal distress, 2) severe fiscal distress, and 3) for Presidentially-declared major disasters. When a local jurisdiction meets one of the above mentioned distress criteria, it is determined to be in fiscal distress and receives a fifty percent (50 percent) reduction of match. If a local jurisdiction satisfies both of the distress criteria, it is determined to be in severe fiscal distress and receives a one Action Plan: One Year Use of Funds Page 3 City of San Bernardino FY 2010-2011 Action Plan hundred percent (100 percent) reduction of match. The City continues to be 100 percent exempt from Matching Fund Requirements relative to the Federal HOME Program. Emergency Shelter Grant (ESG) Program In-kind resources and private donations will be utilized by the non-profit service providers with the ESG Grant. Other eligible public/private sources will be actively pursued when feasible. C. Geographic Distribution The City's EDA, administrator of the various federal programs and other redevelopment housing programs, will concentrate most of its housing rehabilitation and preservation programs and activities on a citywide basis through the Single-Family Beautification Loan/Grant Program and Mobile Home Maintenance Grant Programs for low- and moderate-income owners. Public services will be also provided on a citywide basis for eligible residents. Public facilities and improvement projects and code enforcement activities will target areas with 51 percent or more of low- and moderate-income persons. D. Service Delivery and Management The EDA has the lead responsibility for the development and implementation of the Consolidated Plan and annual Action Plans for the use of CDBG, HOME, and ESG funds. As the lead agency for implementing the City's Redevelopment Housing Implementation Plan, EDA coordinates the use of CDBG, HOME, and ESG funds, along with redevelopment housing set-aside funds to address the various housing issues in the community. These funds create single- and senior multiple housing and other identified special needs construction. The types of housing which will receive the greatest level of advocacy by the City will be housing for the elderly, handicapped, special needs populations and low- and moderate-income families. EDA will continue to focus on new construction, rehabilitation and special needs housing issues in FY 2010-2011. Numerous projects require the need to involve private developers, as well as non-profit developers, in order to enhance affordable housing in the City. The EDA is able to develop and implement agreements with developers and provide gap financing, construction financing, and silent Second Deeds of Trust for first time homebuyer programs. This is used in conjunction with the implementation of housing rehabilitation programs, grants for mobile home parks, infill housing, senior housing, and new construction in order to provide affordable housing opportunities in the City. EDA also coordinates with the various City departments and divisions (Fire, Code Enforcement, and Public Works), as well as nonprofit service providers to deliver the programs and activities outlined in this Action Plan. E. Priority Investment Plan Table 3 summarizes the programs and activities the City of San Bernardino expects to allocate federal funds and other resources to during fiscal year 2010-2011. Action Plan: One Year Use of Funds Page 4 City of San Bernardino FY 2010-2011 Action Plan Table 2010111 rrr •r Projects Program Program Name Program Type Performance Dollars Fund Annual A Measure/Outcome T Ob'ective Code Compliance's Code Suitable 5,000 H-4 Neighborhood Living/Sustainability $1,727,646 CDBG properties Revitalization Enforcement SL-3 inspected Housing Decent H-5 Homebuyer Education Affordability Housing/Availability $480,000 HOME 300 persons DH-1 Decent Fair Housing/Landlord H-12 Tenant Program Fair Housing Housing/Availability $53,000 CDBG 150 persons DH-1 CDA Central City Lutheran Emergency $15,823 ESG 100 persons Mission-Winter Shelter Shelter CDA Foothill AIDS Project Emergency $16,800 ESG 20 persons Shelter CD-1 Frazee Community Emergency $12,000 CDBG 1,800 persons Center-Hot Meals Shelter $12,660 ESG CD-1 Mary's Mercy Center- Emergency $15,000 CDBG 4,458 units of Mary's Table Shelter $10,000 ESG assistance Rehabilitation/ Emergency CD-1 Renovation of Shelter $50,072 ESG 1 facility Emer nc Shelters CD-1 Salvation Army- Emergency $17,471 ESG 1,000 persons Hos itali House Shelter - CD-2 Operation Grace Transitional $7,500 ESG 6 persons Housing CD-2 Option House,Inc. Transitional $15,000 CDBG 300 persons Housing $10,000 ESG Time for Change Transitional $15,000 CDBG CD-2 Foundation Housing Suitable Living/ $10,000 ESG 65 persons Availability(SI CD-5 AI Shifa Clinic,Inc. Health Services $15,000 CDBG 800 persons CD-5 Assistance League of Health Services $12,000 CDBG 400 persons San Bernardino CD-5 Inland AIDS Project Health Services $10,000 CDBG 100 persons CD-5 San Bernardino Medical Health Services $10,000 CDBG 100 persons Center CD-6 Asian American Comprehensive $15,000 CDBG 350 persons Resource Center Services Home of the Neighborly Comprehensive 00.6 Services Services $15,000 CDBG 1,800 persons CD-7 Boys and Gins Club of Youth Services $5,000 CDBG 1,000 youth Redlands CD-7 Boys and Giris Club of Youth Services $15,000 CDBG 130 youth San Bernardino Central City Lutheran CD-7 Mission-Plaza Youth Services $12,000 CDBG 1,750 youth Comunitaria CD-7 Child Advocates of San Youth Services $12,000 CDBG 180 youth Bernardino County Action Plan: One Year Use of Funds Page 5 City of San Bernardino FY 2010-2011 Action Plan Table 3: FY 2010111 Proposed Projects Program Performance Fund Annual Program Name Program Type Measure/Outcome Dollars T e Objective CD-7 Children's Fund,Inc. Youth Services $12,000 CDBG 500 youth Gang Reduction CD-7 Intervention Team Youth Services $15,000 CDBG 40 youth GRIT CD-7 Knotts Family and Youth Services $12,000 CDBG 100 persons Parenting Institution CD-7 Project Life Impact,Inc. Youth Services $10,000 CDBG 900 units of assistance CD-7 San Bernardino National Youth Services Forest Association $15,000 CDBG 300 youth { CD-7 Santa Claus, Inc. Youth Services $10,000 CDBG 14,000 units of assistance CD-7 Sinfonia Mexicans Youth Services $10,000 CDBG 20 youth CD-7 St.John's Community Youth Services Success Center $12,000 CDBG 120 youth CD-7 Youth Action Project Youth Services $15,000 CDBG 50 youth YMCA of San $12,000 CDBG 1,500 units of C0.7 Bernardino Youth Services assistance CD-8 Highland District Council Senior Services $15,000 CDBG 4,500 units of on Aging assistance CD-9 Legal Aid Society of San Legal Services $12,000 CDBG 370 persons Bernardino Services for CD-10 San Bernardino Sexual Victims of _ Assault Services Domestic $12,000 CDBG 1,700 persons Violence Lorine's Learning Child Care C0.11 Academy Services $10,000 CDBG 85 persons 1-1 Fire Equipment Leases Community $445,698 CDBG 1 lease Facilities 2 Street and Street Infrastructure $464,417 CDBG 1 project Lighting Grow San Bernardino Economic ED-3 Fund SBA 7A Loan Development Economic $50,000 CDBG 2 businesses Program Opportunity/Availability ED-6 Section 108 Loan Economic (EO-1) $410,000 CDBG 475 jobs upon Repayment Development completion — Other Public Services Services Suitable Living/ $127,722 CDBG -- Availabili SL-1 — Unallocated Program _ -- $53,000 CDBG Contingency Community Housing — Development — $254,757 HOME Organization CHDO Decent - CH DOOperationsand Housing/Availability $84,919 HOME - Ca B oll (DH-1) Other Housing _ $708,870 HOME - Programs and Activities — CDBG Planning and $210,000 CDBG Administration Action Plan: One Year Use of Funds Page 6 City of San Bernardino FY 2010-2011 Action Plan Table 2010111 r r• •r Projects Program program Name Program Type Performance Dollars Fund Annual p Measure/Outcome Type Obiective — HOME Planning and $169,838 HOME Administration — ESG Planning and $7,911 ESG — Administration Total FY 2010111 Expenditures -- $5,748,104 -• The funding amounts in Table 3 are based on estimates from Fiscal Year 2009-2010 allocations. As of March 2010, the Fiscal Year 2010-2011 allocations were not yet available. The actual allocation amounts for Fiscal Year 2010-2011 could be revised by as much as 10 percent, according to HUD. Revisions to allocation amounts will adjust the objectives and funding assumptions in this Action Plan. The following summarizes the City's Strategic Plan priorities and identifies those FY 2010- 2011 activities that address these needs. Priority: Preserve and Rehabilitate Existing Single-Family Dwellings Program H-1: Mobile Home Grant Repair Program Although the compact nature of mobile homes generally reduces maintenance costs, the cost of maintenance as units age and deteriorate can overextend a lower or moderate income household's budget. The Mobile Home Grant Repair Program, supported by the Economic Development Agency and administered by NHSIE, provides grants up to $5,000 for mobile home repairs. Five-Year Objective: Estimated 100 mobile homes to be rehabilitated over the next five years, for an average of 20 units rehabilitated annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program H-2: Single-Family Beautification Loan/Grant Program The Single-Family Exterior Beautification Program assists homeowners who are occupying their dwellings and whose incomes do not exceed 120 percent of the median income. The program provides financial assistance of up to $15,000 to homeowners for exterior improvements to their property. As a condition of receiving this assistance, property owners are required to attend a "Preventative Maintenance' class conducted by one of the City's local non-profit partners, Neighborhood Housing Services of the Inland Empire (NHSIE). Five-Year Objective: Estimated 500 households to be assisted over the next five years, for an average of 100 households assisted annually. Funding: Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Action Plan: One Year Use of Funds Page 7 City of San Bernardino FY 2010-2011 Action Plan Program H-3: Elderly/Special Needs Minor Repair Grant Program (Old Timers Grant) The Old Timers Foundation, a local non-profit corporation, performs minor and emergency home repairs for low income homeowners (80 percent and below median income). Repairs cannot exceed $1,000 per housing unit. Seniors (60 years or older), disabled persons or recipients of SSI are eligible for this program. Qualified repairs include: plumbing (i.e., sink fixtures), replacing of doors, screens, and window glass, and minor electrical repairs. Outreach for the program is conducted at various Senior Centers throughout the City, and by word-of-mouth. Five-Year Objective: Estimated 425 households to be assisted over the next five years, for an average of 85 households assisted annually. Funding: Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Priority: Improve Neighborhood Conditions through Code Enforcement and Abatement of Dilapidated Structures Program H-4: Code Compliance's Neighborhood Revitalization As an older city, many of the City of San Bernardino's neighborhoods are experiencing signs of decline. Many of the City's low income neighborhoods have higher incidents of code violations. A number of factors influence this higher rate, including an older housing stock, a lack of return on income investment, and lower income residents with limited resources for housing maintenance. As a result, the Code Compliance Department has divided the City into six revitalization areas that are located within low income census tracts. Two Code Compliance officers are assigned to each of the following areas: • Between West 14th Street on the north, West 13th Street on the east and North "K" Street on the west, and the 1-215 Freeway on the east. • West Baseline Street on the north, West 9th Street on the south, Western Avenue on the west, and North Mt. Vernon on the east. • 18th Street on the north, 13th Street on the south, North "D" Street on the west, and North Sierra Way on the east. • West King Street on the north, West Rialto Avenue on the south, North Mt. Vernon Street on the west, and North "K" Street on the east. • Between North Sierra Way on the north and West 40th Street on the south. • Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive. Code Compliance's Neighborhood Revitalization efforts work in concert with the Redevelopment Agency's Housing Revitalization Programs and the Preventative Maintenance and Homebuyer Education classes provided by Neighborhood Housing Services of the Inland Empire (NHSIE), one of the City's local non-profit partners. Action Plan: One Year Use of Funds Page 8 City of San Bernardino FY 2010-2011 Action Plan In addition to conducting property inspections, Code Compliance strives to improve the residential environment by demolishing the most blighted, substandard and hazardous buildings. The focal point will be on buildings that have been vacant for an extended period of time, have deteriorated and become a public nuisance and have lost their viability for reuse. Five-Year Objective: Estimated 25,000 properties to be inspected over the next five years, for an average of 5,000 properties inspected annually. FY 2010-11 Proposed Funding: $1,727,646 CDBG FY 2010-11 Proposed Accomplishment: 5,000 properties inspected Priority: Expand Homeownership Opportunities and Assist Homebuyers with the Purchase of Affordable Housing Program H-5: Homebuyer Education Some new homebuyers and existing owners are not properly informed of the responsibilities of homeownership and could greatly benefit from educational programs on credit, lending and home maintenance topics. The City contracts with Neighborhood Housing Services of the Inland Empire (NHSIE) to provide educational programs. Five-Year Objective: Estimated 1,500 persons to be assisted over the next five years, for an average of 300 persons assisted annually. FY 2010-11 Proposed Funding: $480,000 HOME FY 2010-11 Proposed Accomplishment: 300 persons Program H-6: Homebuyer Assistance Program (HAP) This program is designed to assist qualified first-time homebuyers with the purchase of a home within the City limits. Eligible properties can include condominiums, town homes, and single-family detached homes. The Homebuyer Assistance Program provides financial assistance (of up to 20 percent of the purchase price) that may go towards down payment and closing costs. The homes purchased under this program may be located in any census tract in the City, as long as the dwelling is used as the homebuyer's principal residence and the home remains affordable for a period of not less than forty-five (45)years. Five-Year Objective: Estimated 250 households to be assisted over the next five years, for an average of 50 households assisted annually. Funding: Redevelopment Set-Aside funds, Private funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Priority: Provide Rental Assistance and Preserve Existing Affordable Rental Housing Program H-7: Section 8 Housing Choice Voucher(HCV) program Under the Section 8 HCV program, low income families receive rental assistance in the form of a Voucher. Subsidy payments are made by the Housing Authority to property owners on Action Plan: One Year Use of Funds Page 9 City of San Bernardino FY 2010-2011 Action Plan behalf of the family. As of August 2009, there are 27,608 applicants on the Section 8 HVC waiting list countywide. Five-Year Objective: Estimated 2,250 households assisted annually. Funding: Section 8 FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program H-8: Multi-Unit Rental Senior Projects The Redevelopment Agency issued mortgage revenue bonds for the Highland Lutheran Senior Center (50 housing units) in 1996. The Agency continues to service the annual debt in order to ensure that not less than 50 percent of the units in this project are set-aside for very low income seniors. The covenant remains in effect for 30 years. Five-Year Objective: Continue to assist 50 households at the Highland Lutheran Senior Center. Funding: Section 8, Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program H-9: Public Housing The Housing Authority operates 684 units of conventional public housing in the City of San Bernardino. The Housing Authority conducts annual inspections of its units to determine a need for capital improvements under its Capital Fund program. As of August 2009, there are 15,758 applicants on the waiting list for public housing countywide. Five-Year Objective: Continue to assist 689 households annually through the public housing program. Funding: Public Housing Capital Fund FY 2010.11 Proposed Accomplishment: No specific accomplishment identified Priority: Expand the Affordable Housing Inventory through New Construction Program H-10: New Housing Development The Redevelopment Agency fosters relationships with for-profit and non-profit housing developers for the new construction of both market rate and affordable housing projects. The Agency leverages its resources with private capital in order to develop quality affordable homes for San Bernardino residents. The Agency will continue to pursue both rental and ownership housing opportunities for households with incomes up to 120 percent MR. Specific projects have not yet been identified for the upcoming five-year planning period; however, HOME funding was recently allocated to the Arroyo Valley Community Economic Development Corporation for the construction of three new homes and a "Community Garden" on Agency-Owned lots. The homes will be sold to income eligible homebuyers whose incomes do not exceed 80 percent MR. Five-Year Objective: Estimated 15 housing units to be constructed over the next five years, for an average of 3 housing units constructed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Action Plan: One Year Use of Funds Page 10 City of San Bernardino FY 2010-2011 Action Plan Program H-11: Senior Housing Development The City is committed to facilitating the development of new housing projects and maintaining the quality of existing housing for low income seniors. Five-Year Objective: Estimated 250 housing units to be constructed over the next five years, for an average of 50 housing units annually. Funding: Varies by project(see above for details) FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Priority: Eliminate Identified Impediments to Fair Housing through Education, Enforcement, and Testing Program H-12: Fair Housing/Landlord Tenant Program The City contracts with the Inland Fair Housing Mediation Board to provide education, dispute resolution, and legal advising services to San Bernardino owners, landlords, and tenants in conflict. Five-Year Objective: Estimated 750 persons to be assisted over the next five years, for an average of 150 persons assisted annually. FY 2010-11 Proposed Funding: $53,000 CDBG FY 2010-11 Proposed Accomplishment: 150 persons Priority: Assist Homeless and Special Needs Populations with Supportive Services Program CD-1: Emergency Shelters The City supports a number of non-profit agencies that operate emergency shelters for the homeless. Emergency shelters provide the most basic needs of safe shelter and nourishment, as well as drop-in services, counseling, medical treatment, transportation assistance, referrals to mental health and social service agencies, and assistance with finding appropriate permanent housing. Five-Year Objective: Estimated 200,000 units of assistance to be delivered over the next five years, for an average of 40,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Central City Lutheran Mission: The Mission operates an annual winter shelter for homeless men. It is currently the only place in the City of San Bernardino where homeless men are welcomed for the evening. Funds will be used for operations and maintenance. FY 2010-11 Proposed Funding: $15,823 ESG FY 2010.11 Proposed Accomplishment: 100 persons Action Plan: One Year Use of Funds Page 11 City of San Bernardino FY 2010-2011 Action Plan Foothill AIDS Project: Housing Case Managers work with clients to develop an individualized housing plan and a monthly budget that supports independent living in a stable living environment. HOPWA services include: tenant-based housing (San Bernardino County residents only), emergency hotel/motel vouchers, emergency rental and utility assistance, and emergency permanent housing grants. FY 2010-11 Proposed Funding: $16,800 ESG FY 2010-11 Proposed Accomplishment: 20 persons Frazee Community Center-Homeless Prevention and Hot Meals: Frazee operates three emergency shelters for men. The Hot Meals program provides food for those who need it and groceries for clients who have cooking facilities. Grocery items typically consist of cereal, powdered milk, potatoes, rice, beans, canned fruits and vegetables and bread. Hygiene items (tooth brushes, tooth paste, soap, shampoo, deodorant) are also distributed. Bus passes are given for emergency needs, as funds permit and clothing is provided to those who need. FY 2010-11 Proposed Funding: $12,000 CDBG; $12,660 ESG FY 2010-11 Proposed Accomplishment: 1,800 persons Mary's Mercy Center-Mary's Table: Mary's Table is a ministry of Mary's Mercy Center and is in its 20t'year of continuous service to the community of San Bernardino. It is a Hot Meal Kitchen that is open six days a week. Mary's Table offers hot meals, weekly food bags, showers four days a week, hygiene packets and clothes. The program also offers emergency infant needs, bus tickets/passes, referrals, and an annual Christmas Eve Party. FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG FY 2010-11 Proposed Accomplishment: 4,458 units of assistance Rehabilitation/Renovation of Emergency Shelters: This program will provide funding for some much needed rehabilitation of the City's emergency shelters. FY 2010-11 Proposed Funding: $50,072 ESG FY 2010-11 Proposed Accomplishment: 1 facility Salvation Army-Hospitality House: Hospitality House is an emergency shelter for homeless families and for mothers with children. During winter months, the shelter also accommodates homeless men. The facility has a total capacity of 70 beds and offers a 14- day emergency stay. FY 2010-11 Proposed Funding: $17,471 ESG FY 2010-11 Proposed Accomplishment: 1,000 persons Program CD-2: Transitional Housing Transitional shelters provide housing and needed resources (i.e., job training, money management, alcohol and drug rehabilitation, parenting classes, counseling) to help individuals and families re-establish independent living. These facilities also assist clients with finding permanent housing. Action Plan: One Year Use of Funds Page 12 City of San Bernardino FY 2010-2011 Action Plan Five-Year Objective: Estimated 75,000 units of assistance to be delivered over the next five years, for an average of 15,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Operation Grace: This program provides assistance in finding housing for low income women and families. The facility has a capacity of 5 beds. FY 2010-11 Proposed Funding: $7,500 ESG FY 2010-11 Proposed Accomplishment: 6 persons Option House, Inc.: Option House provides services to female victims of domestic violence and their children. Option House is organized to promote the health, safety and rights of victims of family violence; and to promote the education of the community by: 1) providing 24-hour emergency crisis intervention, temporary emergency shelter, food, clothing and support services to victims of family violence; 2) providing transitional housing to promote an independent and productive lifestyle to female violence and their children; and 3) providing community awareness of the widespread incidence of family violence through education and training programs. FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG FY 2010-11 Proposed Accomplishment: 300 persons Time for Change Foundation: Time for Change foundation provides transitional housing and reentry services to women who are homeless, ex-offenders and recovering from physical and substance abuse. These services are provided in a sober living environment that is conducive to establishing a healthy, drug free, crime free and positive lifestyle. Residents receive daily meals, job search assistance, assistance with legal documentation, referral to limited free health services and other public social services to assist them with job training and development skills. FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG FY 2010-11 Proposed Accomplishment: 65 persons Program CD-3: Rental Assistance Program The Rental Assistance Program is provided to individuals and/or families who must vacate their substandard and unsafe housing unit. The property owners are required to bring their housing units into compliance and their properties are inspected to ensure compliance. Under the Rental Assistance Program, the Redevelopment Agency assists the evacuated families with the required first month's rent and security deposit. The replacement rental unit must be in sound, sanitary, and safe condition and pass a City inspection. Five-Year Objective: Estimated 650 households to be assisted over the next five years, for an average of 130 households assisted annually. Funding: Redevelopment Set-Aside funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program CD-4: Utility Assistance Program Action Plan: One Year Use of Funds Page 13 City of San Bernardino FY 2010-2011 Action Plan Many lower and moderate income households must defer utility payments or avoid using utilities to afford critical items like health care and mortgage payments. The Utility Assistance Program assists San Bernardino City households that are at 50 percent of MFI with the cost of utilities. Five-Year Objective: Estimated 1,000 households to be assisted over the next five years, for an average of 200 households assisted annually. Funding: Redevelopment Set-Aside funds FY 2010.11 Proposed Accomplishment: No specific accomplishment identified Program CD-5: Health Services Lower income households often lack access to quality affordable health care. The City funds a variety of agencies that provide free or low cost medical services for lower income San Bernardino residents. Five-Year Objective: Estimated 7,500 units of assistance to be delivered over the next five years, for an average of 1,500 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: At Shifa Clinic, Inc.: The Al Shifa Clinic provides psychosocial, medical, dental and some specialty care services, free of charge, to the indigent and underserved without regard to religion, ethnicity, and/or gender through a network of dedicated volunteer physicians, dentists, and specialists. Services include: Primary Care, Internal Medicine, Family Practice, Cardiology, Pulmonary, Women' s Health, Pediatrics, gynecology, Health Education, and Lab Services. The Clinic also provides dental services, such as dental hygiene services, clinical exam/medical history, dental x-ray, preventive dental care education, teeth cleaning and polishing, and fluoride treatment. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 800 persons Assistance League of San Bernardino-Children's Dental Center: The Dr. Earl R. Crane Children's Dental health Center is a non-profit organization dedicated to serving the children of San Bernardino since 1948. The Children's Dental Center provides complete professional dental services to the children of low to very low income families in the San Bernardino City Unified School District who do not have dental insurance and are not receiving public assistance. These families often have no other access to dental services. Patients pay only $25 per visit, but no qualified patients are ever turned away because of inability to pay. Each patient receives nearly$250 worth of dental work at each visit. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010.11 Proposed Accomplishment: 400 persons Inland AIDS Project: Established in 1983, the Inland AIDS Project (IAP) was the first non- profit to provide support services for residents of San Bernardino living with AIDS/HIV. Today IAP administers mental health, substance abuse, food, housing, case management, and health programs for men, women, children and families. Action Plan: One Year Use of Funds Page 14 City of San Bernardino FY 2010-2011 Action Plan FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 100 persons San Bernardino Medical Center-Pre and Post Natal Diabetic Clinic: The Pre and Post Natal Diabetes Clinic partners with the Diabetes Health Center as an affiliate of the California Diabetes and Pregnancy Program. The Program is designed to improve pregnancy outcomes for women who have diabetes during pregnancy and after birth through education. Health Care professionals are on-hand to provide supportive and complimentary services to ensure that women and children obtain and retain quality health. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 100 persons Program CD-6: Comprehensive Service Centers Lower income families and individuals can benefit from a variety of supportive services. Comprehensive service providers offer a range of programs that assist clients with their various transportation, nutrition, technology, childcare and education needs. Five-Year Objective: Estimated 175,000 units of assistance to be delivered over the next five years, for an average of 35,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Asian American Resource Center: The Asian American Resource Center provides City of San Bernardino residents with English as a Second language (ESL) and Job Training services to enhance their lives and create productive residents. The ESL/civic and Job Training serves all populations but it specifically designed to meet the basic linguistic and acculturation needs of immigrant families who are underserved, isolated, and whose basic goal is to build a better future. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 350 persons Home of the Neighborly Services: The Home of Neighborly Services provides positive cultural, recreational and educational experiences for individuals and families located within the City of San Bernardino. The center provides activities such as Girls and Boys Scouts, dance, boxing, aerobics and sewing. The center also has After School Learning Center where children are provided with tutoring and homework assistance. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 1,800 persons Program CD-7: Youth Services It is important for the young people of the City of San Bernardino to have the opportunity to engage in activities that enable them to develop self-esteem and reach their full potential. The City will use CDBG funds to support the following types of youth services and activities: • Character and leadership development Action Plan: One Year Use of Funds Page 15 City of San Bernardino FY 2010-2011 Action Plan • Education and career development • Health and life skills • The arts • Sports, fitness and recreation. Five-Year Objective: Estimated 20,000 units of assistance to be delivered over the next five years, for an average of 4,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Boys and Girls Club of Redlands-Waterman Gardens: For over forty years the Boy's 8 Girls Club of Redlands has been working with young people from disadvantaged economic, social and family circumstances. The Club, located at Waterman Gardens in San Bernardino, is dedicated to ensuring that disadvantaged youngsters have greater access to quality programs and services that will enhance their lives and shape their futures. The Club serves the community by providing access to a broad range of programs in the five core areas of Character and Leadership Development, Education and Career Development, Health and Life Skills, The Arts, and Sports, Fitness and Recreation. FY 2010-11 Proposed Funding: $5,000 CDBG FY 2010-11 Proposed Accomplishment: 1,000 youth Boys and Girls Club of San Bernardino: For over forty years, the Boys and Girls Club of San Bernardino has been in the forefront of youth development, working with young people from disadvantaged economic, social and family circumstances. The Club has sites in several areas and actively works to enrich the lives of girls and boys. The Club is dedicated to ensuring that our community's disadvantaged youngsters have greater access to quality educational enhancement and life skills enriching programs and services that will enhance their lives and shape their futures. Program provides comprehensive mentoring and tutoring designed to further enhance the math, reading, and writing skills of children in grades K through 12. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 130 youth Central City Lutheran Mission-Plaza Comunitarla: This program targets bilingual Latino youth (0-18 yrs) coming from mono-lingual homes, CCLM's Plaza Comunitaria will develop bridges for dialogue assisting monolingual homes to develop parenting skills, increase school retention, improve diets and reduce engagement with the juvenile justice system. Workshops, cultural events, after school tutoring programs and youth events during non- traditional hours will provide opportunities for families to have common social times, support groups and provide youth with safe social spaces for seeking guidance and support. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 1,750 persons Child Advocates of San Bernardino County: Child Advocates of San Bernardino County is a CASA (Court Appointed Special Advocates) organization that advocates on behalf of abused children by: 1) appointing CASA volunteers to serve as a consistent and stable Action Plan: One Year Use of Funds Page 16 City of San Bernardino FY 2010-2011 Action Plan presence for foster youth who are too often overwhelmed by a rotating cast of caseworkers, foster parents, clinicians, and other professionals; 2) Providing connections to other resrouces for academic assistance, job skills and training, faith institutions, counseling and legal support; 3) Being a positive role model — helping the youth form healthy relationships with adults they trust; 4) Advocating in the court room, educational, and health care systems; and 5) Bringing a source of happiness into the youth's life that can foster normalcy in childhood experiences. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 180 youth Children's Fund, Inc.: Children's Fund's mission is "to ensure that at-risk children who are abused, neglected, impoverished, or abandoned receive adequate food, shelter, clothing, medical care and education'. The Daily Referral program is the engine through which Children's Fund meets the emergency needs of at-risk youth. The program receives requests from case managers and social workers in behalf of at risk children. As a safety net, Children's Fund provides vital services that are not immediately available from other County or community agencies. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 500 youth Gang Reduction Intervention Team (GRIT): The Gang Reduction Intervention Team's (G.R.I.T.) provides Interaction/Awareness Classes & Upward Bound Reentry Training. Classes are 14-weeks, two-hour classes, twice a week. Topics include: Anger Management, Gang Intervention, Life Skills, Intuitional Debriefing, Sexually Transmitted Disease, Realities of Prison Life, Weapons Diversion, Drug & Alcohol Awareness, Teen Pregnancy Prevention & Education and Cardio Pulmonary Resuscitation Training & Certification. Enrichment trips provided range from visiting a DJJ Correctional Facility, local Universities, beaches and mountains. The Upward Bound Reentry component is initiated within the Herman G. Stark Youth Correctional Facility in Chino California. This is a six month commitment ordered by the DJJ Parole Board prior to the youth being released. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 40 youth Knotts Family and Parenting Institution-Mentor A Life: The Mentor A Life program is designed to connect individuals who can provide positive and healthy relationships. These relationships will assist at-risk youth with the development of behavior change, life, social and interpersonal skills. The program assists foster youth in achieving excellence and becoming citizens that contribute positively to society. FY 2010.11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 100 persons Project Life Impact, Inc.: Project Life Impact's After School Impact (ASI) program provides safe and supervised after school programs for students from K-12" grade. Project Life Impact is an official CAPS Program Provider for the San Bernardino City Unified School District. The organization services students from three elementary schools and two high schools. Students receive a nutritious snack and are provided with daily homework support. The program promotes academic achievement in curricular areas, increases daily student Action Plan: One Year Use of Funds Page 17 City of San Bernardino FY 2010-2011 Action Plan attendance rates, reduces student suspension and expulsion rates and develops both positive student behavior and cooperative skills. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 900 units of assistance San Bernardino National Forest Association: The overall goal of the San Bernardino National Forest Association's Urban Youth Conservation Corps is to prevent and/or intervene early in drug and gang violence among at-risk youth (ages 15 through 19 years old) who live within the City of San Bernardino. This is achieved through weekly job readiness training and paid conservation work activities in the community, as well as on the National Forest. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 300 youth Santa Claus, Inc.: Santa Claus, Inc. provides new toys, clothing, books, and quality educational materials for over 14,000 local underprivileged children at Christmas. Eligible parents are identified as families of the working poor primarily by the San Bernardino Unified School District. Invitations are sent to parents to "shop for free" at its warehouse. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 14,000 units of assistance Sinfonia Mexicana: The Academy offers an extracurricular musical education to middle and high school students. These mariachi music classes are taught by professional and student instructors at the Sinfonia Mexicana Mariachi Academy. The Academy presents quality traditional mariachi music and fosters the development of original musical work. In addition to teaching musical skills, this program also emphasizes the importance of a higher education and fosters strong leadership skills among its participants. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 20 youth St. John's Community Success Center-Project Safe Space: Project Safe Space offers a safe site where children can come together, explore new crafts and skills, and develop positive social skills supervised by caring adults. Safe space offers supervised activities for off track and vacationing students of all ages. Students focus on physical activities both inside and outside. Physical activities include tether ball, badminton, bocce balls; ping pong, hula hoops, group games; quiet activities are board games, reading, videos, yarn work, and a craft room where paint, paper, simple projects, chalk, play dough and a piano invite children to use their imaginations. Children are encouraged to help plan activities such as crafts, cooking projects, and theme days. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 120 youth Youth Action Project: Youth Action Project works to empower San Bernardino's youth by providing opportunities that allow youth and young adults to develop the skills and habits needed to experience economic and social successes. Youth Action Project trains 50 AmeriCorp volunteers who in turn provide tutoring and coaching to local high school Action Plan: One Year Use of Funds Page 18 City of San Bernardino FY 2010-2011 Action Plan students needing extra assistance to pass the California High School Exit Exam. Additionally, members facilitate workshops and community-benefit projects. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 50 youth YMCA of San Bernardino: The YMCA offers financial assistance for programs offered at the YMCA for families in the community that cannot afford to pay for such programs. The YMCA will focus on the healthy lifestyle for the community by offering sports, fitness, aquatics and afterschool programs for those who live in the City of San Bernardino. Adult classes include: open lap swim, water aerobics, swim lessons, fitness center, yoga, and karate. Senior classes include: aqua gym, water aerobics, silvershplash, twinges and hinges, open lap swim, fitness center, yoga/tai chi, country line dancing, and yoga stretch. Youth classes include: swim lessons, bymnastics, karate, dance, t-ball, soccer, basketball, and preschool site. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 1,500 units of assistance Program CD-S: Senior Services Seniors are some of the City's most vulnerable residents. The County will use CDBG funds to support the following types of senior programs and services: • Transportation assistance • Nutrition and meal programs • Recreational, educational and social opportunities • Information and referral services Five-Year Objective: Estimated 4,500 units of assistance to be delivered over the next five years, for an average of 900 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Highland District Council on Aging-Senior Center: The Highland Senior Center is a very large and active senior center that provides a wide variety of Social, Educational, Physical, Nutritional and Transportation services to the senior population of the City of San Bernardino. FY 2010-11 Proposed Funding: $15,000 CDBG FY 2010-11 Proposed Accomplishment: 4,500 units of assistance Program CD-9: Legal Services Every San Bernardino resident is guaranteed access to the judicial system and has certain rights and privileges that are recognized and protected regardless of ability to pay. Access to legal services empowers clients by giving them the tools; i.e., the legal documents and procedural information, needed to seek solutions through court orders. These services improve the lives of clients by helping them resolve domestic dispute, seek financial stability, Action Plan: One Year Use of Funds Page 19 City of San Bernardino FY 2010-2011 Action Plan and access the healthcare, dental, and developmental services needed for themselves and their minor dependents. Five-Year Objective: Estimated 1,750 units of assistance to be delivered over the next five years, for an average of 350 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Legal Aid Society of San Bernardino: Legal Aid provides free access to justice for the area's most unfortunate residents, families barely subsisting, who would otherwise have no means of legally resolving conflicts as to parental rights, child custody, visitation, and support or restraining orders. Legal Aid offers residents access to legal counsel, document preparation for family law, guardianship and conservatorship actions, education, and procedural assistance at each step of the legal process. Through this program, clients are educated on their rights and responsibilities. They are able to make more informed decisions, to take legal action to resolve conflicts, and to take proactive steps toward a more self-reliant, stable home life. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 370 persons Program CD-10: Services for Victims of Domestic Violence Victims of domestic violence often require a variety of supportive services before they can transition back to living independent, self-sufficient lives. These services include immediate crisis intervention, follow-up services, one on one counseling, accompaniment and advocacy services. Five-Year Objective: Estimated 1,000 units of assistance to be delivered over the next five years, for an average of 200 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: San Bernardino Sexual Assault Services: San Bernardino Sexual Assault Services core programs provide understanding and support to victims of sexual assault/domestic violence through immediate crisis intervention, one-on-one counseling, hospital/court accompaniment, and advocacy services. FY 2010-11 Proposed Funding: $12,000 CDBG FY 2010-11 Proposed Accomplishment: 1,700 persons Program CD-11: Child Care Services All families with children, regardless of income, deserve an opportunity to work and attend school with the assurance that their children are in a safe and comfortable learning environment. Quality affordable child care is therefore a critical need for all families in San Bernardino, especially for single-parent households whose child care options are more limited. The City will use CPD funds to support programs that provide children with a high quality developmental program, one that teaches skills that go beyond learning to read and Action Plan: One Year Use of Funds Page 20 City of San Bernardino FY 2010-2011 Action Plan write at an early age, and a stimulating environment that offers opportunities to explore, create, examine and question without concern for judgment, disapproval or criticism. Five-Year Objective: Estimated 10,000 units of assistance to be delivered over the next five years, for an average of 2,000 units of assistance annually. Specifically, the City will provide financial support to the following service providers during FY 2010-2011: Lorine's Learning Academy: Lorine's Learning Academy provides a day care center that services infants, pre-schoolers and elementary school children. The Academy is located in a residential area, in proximity to it participants, where parents can make one stop in the morning and drop off their children. FY 2010-11 Proposed Funding: $10,000 CDBG FY 2010-11 Proposed Accomplishment: 85 children Priority: Improve and Expand Community Facilities and Infrastructure to Meet Current and Future Needs Program 1-1: Fire Equipment Leases The City of San Bernardino Fire Department serves a resident population of approximately 202,000 and covers a diverse service area of 59.3 miles. This service area covers approximately 19 miles of wild land interface area, a major rail yard, an international airport, the County Seat, a jail, two major mall complexes, and three major interstate freeways (10, 215 and 210). Currently, the Department staffs twelve fire engine companies, two aerial truck companies, one heavy rescue, five 4-wheel drive brush engines, one hazardous material response rig and one medic squad housed in twelve stations throughout the City. Fire Stations No. 221, 222, 224, 229, and 231 serve the City's low and moderate income areas (Figure 1). The City will use CDBG funds for the payment of fire equipment leases that serve the low and moderate income areas. Five-Year Objective: Continue to support fire services for low- and moderate- income areas. FY 2010-11 Proposed Funding: $445,698 CDBG FY 2010-11 Proposed Accomplishment: Payment of 1 fire equipment lease for low-and moderate-income areas. Program 1-2: Street and Street Lighting Street and street lighting projects include efforts to extend and widen streets, street resurfacing, construction of curbs, gutters, sidewalk, handicap ramps, bikeways, right of way acquisition and street lighting systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential Street and Street Lighting projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: Accessibility Improvements at various locations Action Plan: One Year Use of Funds Page 21 City of San Bernardino FY 2010-2011 Action Plan • Street Safety Improvements at various locations • Pavement Rehabilitation at various locations • Bus Stop Concrete Pads at various locations • Grade Separation at various locations • Street Widening at various locations • Streetlight Poles and Electric Systems Replacement at various locations • Traffic Calming Measures at various locations • New Road Construction at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: $464,417 CDBG FY 2010-11 Proposed Accomplishment: 1 project Action Plan: One Year Use of Funds Page 22 City of San Bernardino FY 2010-2011 Action Plan Figure 1: Low-Mod Fire Service Areas Low-Mod City of San Bernardino Fire Service Areas 3 x Ma ygyg. pp�> F 7 .S I _ x • r t _ } i +rr.i+>,m�,rrrx...rn iS , • � ��. ° i..,l... � I r te4 WOO LOW n rt°w° xx} moraa sxrn , %e« xrx -Irol wra an srrrl nesx. x)1 }I]I xortMeMUlfenln MO N%% ))e }M .MmIturn 6)%Y % ]]5 I6tlXrMYlpbr R}1% }zi }SACrl ieu mnY N ]}] )l]WOOS:rtel 13)F.t R9 nPm Prmue Se.W4 ,`� xW')1) So]swra.new a.rmre/}uslr+>ixmor,w,r ]IL) WWry M,71% .S 11.0,m,w NO amomm= Action Plan: One Year Use of Funds Page 23 City of San Bernardino FY 2010-2011 Action Plan Program 1-3: Sewer Sewer projects include efforts to increase system capacity for new users, replace aging or obsolete systems and meet new regulatory requirements. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential sewer projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Sewer Main Extensions at various locations • Sewer Manhole Rehabilitation at various locations • Sewer Siphon Flushing at various locations • Sewer Main Replacement at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010.11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program 1-4: Storm Drain Storm drain projects include efforts to install new storm drain systems (per the City's Comprehensive Storm Drain Master Plan) and replace aging or obsolete systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which projects will be funded and ultimately completed. The following is a list of potential Storm Drain projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Storm Drain Installation and Rehabilitation at various locations • Storm Drain Realignment at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program 1-5: Traffic Control Traffic control projects include efforts to install new traffic signals, add traffic striping, and replace aging or obsolete traffic control systems. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which of the projects will be funded and ultimately completed. The following is a list of potential Traffic Control projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Traffic Signal Upgrades at various locations • Traffic Signal Interconnections and Synchronization at various locations • Bike Path Installations at various locations • Traffic Signal Installations at various locations • Upgrade to Fluorescent Signs at various locations Action Plan: One Year Use of Funds Page 24 City of San Bernardino FY 2010-2011 Action Plan • Installation of Solar-Powered Speed Signs at various locations • Installation of Pedestrian Signals at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program 1-6: Parks and Recreation Parks and recreation projects include the maintenance and upgrade of parks, game courts and fields, fielding lighting, recreation buildings, Park's restroom buildings and playground equipment. Since the City does not have sufficient funding to complete all of the projects identified in its CIP, there is no way to guarantee which of the projects will be funded and ultimately completed. The following is a list of potential Parks and Recreation projects that may be completed in the upcoming five-year Consolidated Plan period within the low and moderate income areas: • Tree Plantings at various locations • Replacement of Equipment at various Community Centers • Design and Engineering Services at various locations • Expansion and Renovations at various Senior Centers • Soccer Field Construction at various locations • Restroom Renovations at various locations • Fencing and Lighting Upgrades at various locations • Concrete and Lighting Installations at various locations • Hiking and Exercise Trail Construction at various locations • Irrigation System upgrades at various locations Five-Year Objective: Estimated 5 projects to be completed over the next five years, for an average of 1 project completed annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Priority: Promote Economic Development and Employment Opportunities for low and moderate income households Program ED-1: San Bernardino Library Literacy Program The San Bernardino Library Literacy Program provides free, individualized literacy services and materials to residents in a non-threatening, confidential, student-centered environment, in order to equip participants with life-long learning skills and prepare them for personal, family, career and community success. One-on-one tutoring and small group sessions are offered by trained volunteers to qualified adult learners in areas of basic reading, math, spelling and computer literacy. Five-Year Objective: Estimated 250 persons to be assisted over the next five years, for an average of 50 persons assisted annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 Action Plan: One Year Use of Funds Page 25 City of San Bernardino FY 2010-2011 Action Plan FY 2010-11 Proposed Accomplishment: n/a Program ED-2: Inland Empire Small Business Financial Development Corporation (IESBFDC) Loan Guarantee Program The Loan Guarantee Program is designed to assist small businesses that need additional support in the form of a guarantee to induce a lender to lend. The program places special emphasis on women and minority-owned businesses, as well as businesses located in designated enterprises zones. To be eligible, business must: (1) be unable to obtain financing without the guarantee, and (2) demonstrate repayment ability with adequate collateral support. Guarantees can be issued on short term loans, revolving and contract lines of credit, term loans for asset purchases, purchases of existing businesses, or for establishing a new business. Five-Year Objective: Estimated 25 businesses to be assisted over the next five years, for an average of 5 businesses assisted annually. FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11 FY 2010-11 Proposed Accomplishment: n/a Program ED-3: Grow San Bernardino Fund SBA 7A Loan Program The SBA 7A-Grow America Fund Program provides loans to small businesses. This program is available countywide and can provide 100 percent financing for up to $1 million. The program provides long-term, fixed-rate financing which may be utilized for property acquisition, construction, building renovations or leasehold improvements, debt refinancing, capital equipment and working capital. Repayment ability from cash flow of the business is a primary criterion in the loan evaluation, but good character, management capability, and collateral are also important considerations. Eligible business must demonstrate at least three years of profitable operation, good liquidity, and a satisfactory debt-to-equity ratio. Five-Year Objective: Estimated 10 businesses to be assisted over the next five years, for an average of 2 businesses assisted annually. FY 2010-11 Proposed Funding: $50,000 CDBG FY 2010-11 Proposed Accomplishment: 2 businesses Program ED-4: Business Incentive & Downtown Revitalization/ Fagade Program The Business Incentive Grant Program assists business owners, tenants, and property owners to enhance the "curb appeal" of their business storefront by providing funds to complete exterior improvements. The program also provides grants to help business owners retain their current employment levels or expand their current employment levels. The program offers grants reimbursements that are not-to-exceed $10,000. The applicant will be required to match this grant dollar for dollar and will be reimbursed at the completion of all pre-approved improvements. Five-Year Objective: Estimated 125 businesses to be assisted over the next five years, for an average of 25 businesses assisted annually. Funding: Redevelopment Set-Aside funds, Private funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program ED-5: Utility User's Grant Program Action Plan: One Year Use of Funds Page 26 City of San Bernardino FY 2010-2011 Action Plan The Business Utility User's Tax Rebate Program rewards new and expanding businesses who create jobs, increase sales tax revenues, or increase property values by refunding a percentage of the City's utility taxes paid on electrical, gas, cable, and telephone services to operate their businesses. Five-Year Objective: Estimated 10 businesses to be assisted over the next five years, for an average of 2 businesses assisted annually. Funding: Redevelopment funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Program ED-6: Section 108 Loan Repayment In 2006, the City, its Redevelopment Agency, and HUD executed Section 108 loan documents for an award of $7.5 million. The loan was utilized for the acquisition of 22 blighted and socially problematic four-plex apartment dwellings in the North Arden Guthrie Area. Together with other redevelopment funds of approximately $7.5 million, tenants have now been relocated into safe and sanitary housing, the structures demolished, and the land will be made available to a master developer (Home Depot) for the purpose of constructing a retail commercial center. The City is currently renegotiating a HUD Section 108 Loan for the 20-Plex movie theater (formerly known as the CinemaStar) in the amount of $9 million to repay the original HUD 108 Loan of $4.6 million and provide necessary funds for new technology upgrades and remodeling by Maya Cinemas North America, Inc. The Project will include: new furniture and fixtures, carpeting, tile, counter-tops, paintwork, new seating, new digital projection equipment, movie screens and sound equipment, correction of American with Disabilities Act deficiencies, expansion of the main lobby and installation of equipment and expansion of one I-Max auditorium. The term of the Section 108 financing will be seven years with interest only payments. Five-Year Objective: Estimated 475 jobs created/retained upon completion of projects. FY 2010-11 Proposed Funding: $410,000 CDBG FY 2010-11 Proposed Accomplishment: 475 jobs created/retained upon completion of projects. Program ED-7: California Theatre The Redevelopment Agency owns and contracts out the maintenance of the Historic California of the Performing Arts Theatre (the "Theatre"). The Agency is currently in the process of conducting a series of renovation improvements for the Theatre. The improvements include, but are not limited to the following items: installation of a fire protection sprinkler system, structural support system for front entry and installation of a pull pipe system. This project will facilitate the creation, promotion, and retention of over 1,400 employment opportunities. Five-Year Objective: Estimated 1,400 jobs created/retained upon completion of renovations. Funding: Redevelopment funds FY 2010-11 Proposed Accomplishment: No specific accomplishment identified Action Plan: One Year Use of Funds Page 27 City of San Bernardino FY 2010-2011 Action Plan Program ED-8: Redevelopment Agency Activities The Agency undertakes numerous marketing activities designed to enhance the image of the community and attract new development expanding both employment opportunities and the tax base. Activities include the production of print marketing materials, advertising and public relations activities in the printed media, representation of the Agency at targeted trade shows and exhibitions and the production of a weekly, business oriented, television show targeted towards the business community. Five-Year Objective: Estimated 2,500 jobs created/retained over the next five years, for an average of 500 jobs created/retained annually. Funding: Redevelopment funds FY 2010.11 Proposed Accomplishment: No speck accomplishment identified F. Planning and Administration During the upcoming five-year Consolidated Plan period, the City will continue to administer the CDBG, HOME and ESG programs in compliance with program regulations and requirements. Up to 20 percent of CDBG funds can be used by the City to support the general administration of the CDBG program. G. Lead Based Paint Reduction Strategy The City's Lead Based Paint Hazard Reduction Strategy can be summarized as follows: (1) Coordinating public and private efforts to reduce lead-based paint hazards and protect young children; (2) Integrating lead hazard evaluation and reduction activities into existing housing programs; (3) Public awareness through educational materials and programs; and (4) Education and advocacy and (5) lead base eradication to the extent finances are available. The City currently integrates lead hazard evaluation and reduction activities into existing housing inspection and rehabilitation programs. The Economic Development Agency (EDA) provides referrals to and works cooperatively with the County's Lead-Based Paint Removal Program to coordinate efforts to reduce lead-based paint hazards through testing. The County also receives funds from the State Department of Community Services for the development of education and to raise awareness of lead-based paint. Additionally, educational materials are provided to residents through the San Bernardino Redevelopment Agency's Rehabilitation Program, which informs residents of lead hazards, as well as how to get tested, report, and remove the hazard. The Agency is also remediating and stabilizing 80 percent of rehabilitated properties by the removal or encapsulation of lead-based paint. Action Plan: One Year Use of Funds Page 28 City of San Bernardino FY 2010-2011 Action Plan H. Overcoming Barriers to Affordable Housing The City recently undertook a major effort to eliminate constraints, with respect to land use regulations, by developing and adopting a new Zoning Code that unified and simplified the City's development regulations and processes. That effort was followed by a reorganization of the City to unity the various development-related departments into a single Development Services Department and a one-stop permit counter. Moreover, the City is in the process of making the following additional amendments to the Municipal Code in order to further reduce barriers to affordable housing: Corridor Improvement Program The City will facilitate investment and intensification along its underutilized corridors by codifying the development and lot consolidation incentives proposed in the General Plan Land Use Element Corridor Improvement Program. The four Corridor Strategic Areas, Mount Vernon, E Street, Baseline, and Highland, are generally characterized by underperforming strip commercial, vacant or underutilized parcels, deteriorating structures, and inconsistent facades and signage. The Corridor Improvement Program is an optional package of policies, regulations, and incentives intended to stimulate investment and development in the Corridor Strategic Areas. While the underlying land use designations still apply, the property owner may request, and the City may choose to apply, aspects of the Corridor Improvement Program necessary to achieve the desired results. Key incentives include: allowing increased densities for housing and mixed-use projects within 500 feet of a transit stop, increasing density and FARs for mixed-use projects that replace strip commercial on arterials, and increased density for projects that combine parcels (lot consolidation). Furthermore, Code Enforcement activities in this area will encourage violators to demolish unsafe buildings through existing demolition programs and educate property owners of new opportunities available through the Corridor Improvement Program. General Lot Consolidation Incentive The City will amend the Development Code to incentivize lot consolidation for projects that promise to commit to management plans and provide on-site management. Small, individual lots offer limited development potential, and generally cannot support on-site property management. Development opportunities could be increased through a small-lot consolidation program that offers a 15 percent density bonus to projects with a residential component that are committing to a maintenance plan and having on-site management. This encourages a more efficient use of the land while ensuring adequate long-term maintenance and oversight of a property. Action Plan: One Year Use of Funds Page 29 a City of San Bernardino FY 2010-2011 Action Plan Density Bonus Provisions The City will facilitate higher density and affordable housing development by amending the development code to reflect the latest amendments to State density bonus law. Density bonus provisions reward developers providing affordable housing to seniors or families with an increase in density and reduced building requirements, such as reduced parking, reduced setbacks, and other factors that decrease the cost of housing production. Density bonus projects can be an important source of housing for lower and moderate income households. Reasonable Accommodation Ordinance The City will reduce governmental constraints to housing for disabled persons by adopting a Reasonable Accommodation Ordinance. The City of San Bernardino does not currently have a formal process for requesting exemptions from government regulations for the purpose of creating housing accessible to disabled persons. A Reasonable Accommodation Ordinance will enact a process for disabled individuals (or those acting on their behalf) to make requests for reasonable accommodation for relief from burdensome land use, zoning, or building laws, rules, policies, practices, and/or procedures. Emergency Shelters The City plans to adopt a permanent emergency shelter ordinance, define emergency shelters in the definitions section of the Development Code, and create development and management standards in accordance with Senate Bill 2. Transitional and Supportive Housing The City will amend the Development Code to adequately define transitional and permanent supportive housing and permit these uses based on unit type, in accordance with Senate Bill 2. Streamlined Processing The City is committed to continuing the streamlining of development activities and regulations and will continue to analyze potential programs that seek to eliminate land use constraints, particularly as related to the provision of new housing and rehabilitation of existing housing. The City is considering amendments to the Municipal Code that will allow increased administrative authority for staff or Zoning Administrator to grant discretionary approvals for housing projects, administrative relief for lower cost housing and density bonus programs, and deviations from the Development Code for lower cost and senior housing projects. In addition, the City will continue to evaluate fees to identify those that may be waived and/or decreased in order to encourage lower cost and senior citizen housing. The City and EDA will continue dialogue and project coordination with various public/private agencies involved in implementing the City's housing goals and continue to provide input on regulations, codes, and ordinances that could potentially have adverse effects on the development of affordable housing. Action Plan: One Year Use of Funds Page 30 City of San Bernardino FY 2010-2011 Action Plan I. Public Housing 1. Improvements The Housing Authority of the County of San Bernardino ("Authority") owns and manages about 690 units of public housing within the City limits, and nearly 2,000 countywide, for occupancy by low-income families who pay no more than 30 percent of their monthly income for rent. The Authority's public housing program includes a mixture of single-family housing (scattered sites), multifamily housing, and special needs housing (such as for seniors and individuals with disabilities) funded under several state and federal housing programs. The Authority is making a concerted effort to utilize green building technologies within its' capital improvement program. While the current shortfall in Capital Fund generally prevents substantial "green" investment, the Authority is utilizing whatever avenues are available to implement energy conservation and sustainable building practices. For example, through an energy performance contract, the Authority is utilizing private funding to install energy conservation measures at public housing sites. Likewise, the Authority is utilizing funding directly from Fannie Mae to address today, public housing capital improvements which are planned for the next 5 years, through the Capital Fund Financing Program (leveraging the annual Capital Fund allocation to service debt). Through these 2 programs, the Authority has managed to secure funding from sources other than HUD to address nearly $20 million in general and energy-related improvements. If additional Capital Funding was made available, the Authority would utilize a similar "leveraging" approach to address its' nearly $50 million countywide backlog of 5 year capital improvement needs. Through the process, the Authority envisions continuing the focus on energy conservation and sustainability not only to improve the environment, but also to help grow the "green-collar" job-sector of the economy, which will be a key area for job creation, especially in the building industry in the coming years. According to the Authority, there are currently 12,024 applicants on the waiting list for the Public Housing Program. 2. Resident Initiatives Due to the size of San Bernardino County, the Authority divided its service area into seven districts. Every three years, Authority Staff coordinates and monitors the election of a jurisdiction-wide Resident Advisory Board to represent the voice of the resident population in these districts. The Resident Advisory Board's overall purpose is to improve the quality of life and resident satisfaction within assisted housing. It also participates in self-help initiatives to enable residents to create a positive living environment for their families. Action Plan: One Year Use of Funds Page 31 City of San Bernardino FY 2010-2011 Action Plan J. Institutional Structure The Economic Development Agency (EDA) of the City of San Bernardino is the lead agency for the development and implementation of all of the City's housing and community development programs. The Agency is responsible for the preparation and implementation of the five-year Consolidated Plan, annual Action Plans, and any amendments to either Plan. In addition, the Agency is responsible for preparing the Consolidated Annual Performance Evaluation Reports (CAPERS), which reports the progress achieved during a given fiscal year. Implementation of the Consolidated Plan requires the efficient leveraging of multiple funding sources — federal, state, local, and private resources. These funds create housing and economic opportunities for low and moderate income households, particularly those with special needs. The City and EDA will continue to aggressively attract housing development to ensure that all development will be completed in harmony with the State Housing Element and Consolidated Plan's goals. The City and EDA will also continue to coordinate the execution of a regional homeless assistance plan with a countywide Homeless Coalition and the Community Action Partners of San Bernardino County. These groups include: • Non-profit service providers • City of San Bernardino Police Department • County Board of Supervisors • County Department of Public Social Services • County Department of Mental Health • County Department of Public Health • Realtors • AFL-CIO • Veterans • Building Industry Association Habitat for Humanity • Local colleges • Job training groups The participation of the City and EDA in this cooperative effort enables and facilitates the delivery of homeless services and resources through effective networking. In addition, any development of homeless services outside the city limits serves to lessen the City's homeless problems. Gaps In Service Delivery System The most significant gap in the service delivery system is the lack of sufficient funding to address the City's extensive needs. To bridge this gap, the City actively pursues additional funding opportunities for housing and community development. The City also encourages public/private partnerships to maximize the effective use of resources. Action Plan: One Year Use of Funds Page 32 City of San Bernardino FY 2010-2011 Action Plan K. Coordination Many projects involve the coordinated efforts of public, private and quasi-public agencies and organizations. For example, the Agency coordinates the development and execution of a regional homeless assistance plan with a countywide Homeless Coalition and a Local Coordinating Group. The Economic Development Agency will continue to meet with public and other housing and supportive service providers to use all available resources to the maximum levels of effectiveness. Meetings with these agencies will occur regularly throughout the fiscal year to endorse applications for funding and to discuss cooperative ventures. The City and EDA will also continue dialogue and project coordination with the various public/private agencies involved in implementing the City's housing goals in order to receive input on regulations, codes, and ordinances that could potentially have adverse effects on the development of affordable housing. L. Monitoring The City of San Bernardino follows strict internal monitoring procedures to ensure funds are used appropriately and effectively. Subrecipients are monitored through quarterly reports and onsite visits by the grants coordinator. Affordable housing development projects are monitored to ensure compliance with housing quality standards with City staff performing site visits, inspections, and auditing tenant files. In addition, property management is required to submit reports documenting compliance with income restrictions. The City will continue to undertake annual reviews of all agencies it provides financial assistance to in conformance with 24 CFR 91.230. Findings will be provided as part of the CAPER Report, due to HUD annually. The report will describe the current status of planned activities, as described in the Plan, as well as other information that describes the progress and successes of activities. The Five-Year Consolidated Plan priorities will be evaluated through a comparison of the goals set out for the fiscal year and the productivity characteristics and completion data for each program or activity implemented for the accomplishment of those goals. 1. Performance Measures The City has been continually working to develop a system that measures productivity and program impact. Productivity The Integrated Disbursement and Information System (IDIS) is used to track expenditures and accomplishments of CDBG and HOME funds. This information is subsequently used by staff to prepare the Consolidated Annual Performance Evaluation Report (CAPER) and to evaluate future funding applications. Action Plan: One Year Use of Funds Page 33 City of San Bernardino FY 2010-2011 Action Plan Program Impact An appropriate performance measurement system would also include a component that measures program impact. Program impact reflects the extent to which activities yield the desired results in the community or in the lives of persons assisted. Output-Based Performance Outputs are direct products of a program's activities. They are typically measured in terms of the volume of work accomplished, such as number of low income households served, number of items processed, or number of units constructed or rehabilitated. The processes described above provide the department with the necessary level of information to satisfy the "outputs" component. Outcome-Based Performance Outcomes are benefits that result from a program or activity. Outcomes typically relate to a change in conditions, skills, knowledge, status, etc. Outcomes could include improved quality or quantity of local affordable housing stock, improved or revitalized neighborhoods or improved quality of life for program participants. The City intends to require each subrecipient of federal funds to describe beyond quantitative accomplishments how their programs and/or activities provide a more comprehensive, far reaching level of improvement to each individual benefiting from the use of federal funds. M.Specific Program Requirements The "Listing of Proposed Projects" in Appendix D details the City's Priority Description and One-Year CDBG Funds Investment Plan for the City of San Bernardino. Proposed housing activities primarily involve assistance for housing rehabilitation and code enforcement. Proposed non-housing activities include public facility improvements and the funding of a multitude of public services/agencies. A majority of the public service agencies funded provide counseling, food, job training, child care and serve the City's seniors, children/adolescents, youth programs, shelters, etc., and households in general. 1. Specific CDBG Grant Program Submission Requirements CDBG: Other resources that may become available in addition to the annual grant include redevelopment low/mod funds in the amount of$7,410,612. a. Program income estimated and expected to be generated during the Program Year- $40,000 i) The amount estimated and expected to be generated by and deposited to revolving loan funds - None ii) The total amount estimated and expected to be received from each new float- funded activity that is included in the Plan - None Action Plan: One Year Use of Funds Page 34 City of San Bernardino FY 2010-2011 Action Plan iii) The amount estimated and expected to be received during the current program year from float-funded activities described in a prior statement or plan. - None iv) The total amount estimated and expected to be received from prior activities and/or loan repayments - None b. Program income received in the preceding program year that has not been included in a statement or plan - None i) Proceeds from Section 108 loan guarantees that will be used during the year to address the priority needs and specific objectives identified in the strategic plan - None ii) Surplus funds from any urban renewal settlement for community development and housing activities— None iii) Any grant funds returned to the line of credit for which the planned use has not been included in a prior statement or plan— None c. Reprogrammed Prior Years' Funds: The following chart reflects CDBG funds reprogrammed from prior years' Annual Plans: Table r r Years' Reprogrammed CDBG Fiscal Year Project Description Amount Reprogrammed CDBG funds reprogrammed from: 2005-06 East King Street Improvements $200,000.00 2005-06 YWCA Install Security Fence $49,723.26 2007-08 Operation Phoenix Expansion $146,000.00 2008-09 Miracles in Recovery $12,500.00 2008-09 Provisional Educational Services $12,500.00 2008-09 Servant's Heart Outreach $10,250.00 2008-09 Westside Brighter Vision $179.62 2008-09 Youth Hoe $310.72 Total $431,463.60 CDBG funds reprogrammed to: 2010-11 Code Enforcement Demolition $200,000.00 2010-11 Target Area Street Im rovements $231,463.60 Total $431,463.60 Float-funded Activities: None Section 108 Activities: The City is currently renegotiating the HUD Section 108 Loan for the 20-Plex movie theater (formerly known as the CinemaStar) in the amount of$9,000,000 to repay the original HUD 108 Loan of $4.6 million and provide necessary funds for upgrading to new technology and remodeling of the building. The term of the Section 108 financing will be seven (7) years with interest only payments. Action Plan: One Year Use of Funds Page 35 City of San Bernardino FY 2010-2011 Action Plan On March 5, 2005, the City was notified of an award of $7.5 million in Section 108 HUD Loan Program and in July 2006, the City, the Agency and HUD executed loan documents. The $7.5 million has been utilized for the acquisition of twenty-two (22) blighted and socially problematic 4-plex apartment dwellings in the North Arden Guthrie Area. Together with other redevelopment funds of approximately $7.5 million, tenants have now been relocated into safe and sanitary housing, the structures demolished, and the land will be made available to a master developer (Home Depot) for the purpose of constructing a retail commercial center. Urgent Needs: N/A 2. Specific HOME Submission Requirements Resale Provisions: The City's resale or recapture provision ensures the affordability of units acquired with HOME funds in compliance with 24 CFR 92.254(a)(4). Specifically, homebuyers agree that for a forty-five (45) year period commencing on the date of recordation of the Agency Deed of Trust and the Affordable Housing Covenant to notify the Agency not less than thirty (30) days prior to: (i) the sale of the New Home, (ii)the transfer of any interest in the New Home, or (iii) any refinancing of the lien of the First Mortgage Lender to which the lien of the Agency Deed of Trust is subordinate. This is a shared appreciation formula between EDA and homebuyer based on a declining scale. HOME Tenant Based Rental Assistance - N/A Other Forms of Investment: Private Resources from Community Housing Development Organization (CHDO) Partners. Affirmative Marketing: The City will use the combined efforts of CHDOs, realtors, newspaper advertisement and flyers to affirmatively market homes to all residents and prospective buyers regardless of race, color, gender, marital status, religion and disability. Minority/Women's Business Outreach: The City's outreach effort is fully described in the M/WBE Plan which includes actions that will be taken to establish and oversee the inclusion, to the maximum extent possible, of minority and women, and entities owned by minorities and women, including without limitation, real estate firms, construction firms, appraisal firms, management firms, financial institutions, investment banking fines, underwriters, accountants, and providers of legal services, in all contracts, entered into by the City with such persons or entities, public and private, in order to facilitate the activities to provide affordable housing under the HOME Program in compliance with 24 CFR 92.351.(b). Program Income: An estimated $2,700 Refinancing: N/A In FY 2010-2011, the City will receive $1,698,384 in HOME funds. HOME funds will be allocated as follows for the new fiscal year: 10% ($169,838) for EDA HOME administration; 15% ($254,757)to qualified Community Housing Development Organizations (CHDO's)who aid in the provision of affordable housing in the community; 28% ($480,000) for homebuyer assistance and education; 5% ($84,919) for CHDO operations and capacity building. Action Plan: One Year Use of Funds Page 36 City of San Bernardino FY 2010-2011 Action Plan The remaining $708,870 will be allocated to other lower income housing developments as they become available during the fiscal year. In this case, HOME funds will be used to augment the EDA's annual appropriations from its tax increment housing set aside. HOME funds can only be utilized for housing activities, i.e. rehabilitation of single-family housing, rehabilitation or construction of multi-family and/or senior housing; homebuyer programs; acquisition of land; public improvements to facilitate affordable housing and transitional housing. 3. Specific ESG Submission Requirements The City solicited and made funding recommendations for ESG submissions based on experience, ability to provide service and the number of households expected to benefit from the program. Matching grant funds were also identified in each recipient's application from fund raising efforts, in-kind donations and volunteer's labor donated. Staff, together with a representative from the San Bernardino County Community Action Partners, assisted in reviewing and rating the ESG proposals. Each proposal was evaluated on: project narrative, past experience, cost effectiveness, leveraging and overall quality of proposal. Table 5: Homeless Allocations by ESG Regulatory Category Organization Shelter Essential Homeless Total Operations Services Prevention Central City Lutheran $15,823 $15,823 Foothills AIDS $16,800 $16,800 Frazee Community Center — $12,660 $12,660 Marcy Mercy Center — $10,000 — $10,000 Operation Grade — $7,500 $7,500 Option House $10,000 — $101000 Salvation Arm $17,471 $17,471 Time for Change $10,000 $10,000 Total $15,823 $47,471 $36,960 $100,254 Percent 15.7% 47.4% 36.8% 100.0% Action Plan: One Year Use of Funds Page 37 I i i Appendix A: Certifications City of San Bernardino FY 2010-2011 Action Plan CERTIFICATIONS In accordance with the applicable statutes and the regulations governing the consolidated plan regulations, the jurisdiction certifies that: Affirmatively Further Fair Housing -- The jurisdiction will affirmatively further fair housing, which means it will conduct an analysis of impediments to fair housing choice within the jurisdiction, take appropriate actions to overcome the effects of any impediments identified through that analysis, and maintain records reflecting that analysis and actions in this regard. Anti-displacement and Relocation Plan -- It will comply with the acquisition and relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended, and implementing regulations at 49 CFR 24; and it has in effect and is following a residential antidisplacement and relocation assistance plan required under section 104(d) of the Housing and Community Development Act of 1974, as amended, in connection with any activity assisted with funding under the CDBG or HOME programs. Drug Free Workplace-- It will or will continue to provide a drug-free workplace by: 1. Publishing a statement notifying employees that the unlawful manufacture, distribution, dispensing, possession, or use of a controlled substance is prohibited in the grantee's workplace and specifying the actions that will be taken against employees for violation of such prohibition; 2. Establishing an ongoing drug-free awareness program to inform employees about— (a)The dangers of drug abuse in the workplace; (b)The grantee's policy of maintaining a drug-free workplace; (c) Any available drug counseling, rehabilitation, and employee assistance programs; and (d) The penalties that may be imposed upon employees for drug abuse violations occurring in the workplace; 3. Making it a requirement that each employee to be engaged in the performance of the grant be given a copy of the statement required by paragraph 1; 4. Notifying the employee in the statement required by paragraph 1 that, as a condition of employment under the grant, the employee will— (a)Abide by the terms of the statement; and (b) Notify the employer in writing of his or her conviction for a violation of a criminal drug statute occurring in the workplace no later than five calendar days after such conviction; 5. Notifying the agency in writing, within ten calendar days after receiving notice under subparagraph 4(b) from an employee or otherwise receiving actual notice of such conviction. Employers of convicted employees must provide notice, including position title, to every grant officer or other designee on whose grant activity the convicted employee was working, unless the Federal agency has designated a central point for Appendix A: Certifications Page A-1 City of San Bernardino FY 2010-2011 Action Plan the receipt of such notices. Notice shall include the identification number(s) of each affected grant; 6. Taking one of the following actions, within 30 calendar days of receiving notice under subparagraph 4(b), with respect to any employee who is so convicted: (a) Taking appropriate personnel action against such an employee, up to and including termination, consistent with the requirements of the Rehabilitation Act of 1973, as amended; or (b) Requiring such employee to participate satisfactorily in a drug abuse assistance or rehabilitation program approved for such purposes by a Federal, State, or local health, law enforcement, or other appropriate agency; 7. Making a good faith effort to continue to maintain a drug-free workplace through implementation of paragraphs 1, 2, 3, 4, 5 and 6. Anti-Lobbying -- To the best of the jurisdiction's knowledge and belief: 1. No Federal appropriated funds have been paid or will be paid, by or on behalf of it, to any person for influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress in connection with the awarding of any Federal contract, the making of any Federal grant, the making of any Federal loan, the entering into of any cooperative agreement, and the extension, continuation, renewal, amendment, or modification of any Federal contract, grant, loan, or cooperative agreement; 2. If any funds other than Federal appropriated funds have been paid or will be paid to any person for influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress in connection with this Federal contract, grant, loan, or cooperative agreement, it will complete and submit Standard Form-LLL, "Disclosure Form to Report Lobbying," in accordance with its instructions; and 3. It will require that the language of paragraph 1 and 2 of this anti-lobbying certification be included in the award documents for all subawards at all tiers (including subcontracts, subgrants, and contracts under grants, loans, and cooperative agreements)and that all subrecipients shall certify and disclose accordingly. Authority of Jurisdiction — The consolidated plan is authorized under State and local law (as applicable) and the jurisdiction possesses the legal authority to carry out the programs for which it is seeking funding, in accordance with applicable HUD regulations. Consistency with plan --The housing activities to be undertaken with CDBG, HOME, ESG, and HOPWA funds are consistent with the strategic plan. Appendix A: Certifications Page A-2 City of San Bernardino FY 2010-2011 Action Plan Section 3 -- It will comply with section 3 of the Housing and Urban Development Act of 1968, and implementing regulations at 24 CFR Part 135. Signature/Authorized Official Date Title Appendix A: Certifications Page A-3 City of San Bernardino FY 2010-2011 Action Plan Specific CDBG Certifications The Entitlement Community certifies that: Citizen Participation -- It is in full compliance and following a detailed citizen participation plan that satisfies the requirements of 24 CFR 91.105. Community Development Plan -- Its consolidated housing and community development plan identifies community development and housing needs and specifies both short-term and long-term community development objectives that provide decent housing, expand economic opportunities primarily for persons of low and moderate income. (See CFR 24 570.2 and CFR 24 part 570) Following a Plan -- It is following a current consolidated plan (or Comprehensive Housing Affordability Strategy)that has been approved by HUD. Use of Funds -- It has complied with the following criteria: 1. Maximum Feasible Priority. With respect to activities expected to be assisted with CDBG funds, it certifies that it has developed its Action Plan so as to give maximum feasible priority to activities which benefit low and moderate income families or aid in the prevention or elimination of slums or blight. The Action Plan may also include activities which the grantee certifies are designed to meet other community development needs having a particular urgency because existing conditions pose a serious and immediate threat to the health or welfare of the community, and other financial resources are not available); 2. Overall Benefit. The aggregate use of CDBG funds including section 108 guaranteed loans during program year(s), (a period specified by the grantee consisting of one, two, or three specific consecutive program years), shall principally benefit persons of low and moderate income in a manner that ensures that at least 70 percent of the amount is expended for activities that benefit such persons during the designated period; 3. Special Assessments. It will not attempt to recover any capital costs of public improvements assisted with CDBG funds including Section 108 loan guaranteed funds by assessing any amount against properties owned and occupied by persons of low and moderate income, including any fee charged or assessment made as a condition of obtaining access to such public improvements. However, if CDBG funds are used to pay the proportion of a fee or assessment that relates to the capital costs of public improvements (assisted in part with CDBG funds) financed from other revenue sources, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. The jurisdiction will not attempt to recover any capital costs of public improvements assisted with CDBG funds, including Section 108, unless CDBG funds are used to pay the proportion of fee or assessment attributable to the capital costs of public improvements financed from other revenue sources. In this case, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. Also, in the case of properties owned and occupied by moderate-income (not low-income) families, an assessment or charge may be made against the property for public improvements financed by a Appendix A: Certifications Page A-4 City of San Bernardino FY 2010-2011 Action Plan source other than CDBG funds if the jurisdiction certifies that it lacks CDBG funds to cover the assessment. Excessive Force — It has adopted and is enforcing: 1. A policy prohibiting the use of excessive force by law enforcement agencies within its jurisdiction against any individuals engaged in non-violent civil rights demonstrations; and 2. A policy of enforcing applicable State and local laws against physically barring entrance to or exit from a facility or location which is the subject of such non-violent civil rights demonstrations within its jurisdiction; Compliance With Anti-discrimination laws — The grant will be conducted and administered in conformity with title VI of the Civil Rights Act of 1964 (42 USC 2000d), the Fair Housing Act(42 USC 3601-3619), and implementing regulations. Lead-Based Paint -- Its activities concerning lead-based paint will comply with the requirements of 24 CFR Part 35, subparts A, B, J, K and R; Compliance with Laws — It will comply with applicable laws. Signature/Authorized Official Date Title Appendix A: Certifications Page A-5 City of San Bernardino FY 2010-2011 Action Plan OPTIONAL CERTIFICATION CDBG Submit the following certification only when one or more of the activities in the action plan are designed to meet other community development needs having a particular urgency as specified in 24 CFR 570.208(c): The grantee hereby certifies that the Annual Plan includes one or more specifically identified CDBG-assisted activities which are designed to meet other community development needs having a particular urgency because existing conditions pose a serious and immediate threat to the health or welfare of the community and other financial resources are not available to meet such needs. Signature/Authorized Official Date Title Appendix A: Certifications Page A-6 City of San Bernardino FY 2010-2011 Action Plan APPENDIX TO CERTIFICATIONS INSTRUCTIONS CONCERNING LOBBYING AND DRUG-FREE WORKPLACE REQUIREMENTS: A. Lobbying Certification This certification is a material representation of fact upon which reliance was placed when this transaction was made or entered into. Submission of this certification is a prerequisite for making or entering into this transaction imposed by section 1352, title 31, U.S. Code. Any person who fails to file the required certification shall be subject to a civil penalty of not less than $10,000 and not more than $100,000 for each such failure. B. Drug-Free Workplace Certification 1. By signing and/or submitting this application or grant agreement, the grantee is providing the certification. 2. The certification is a material representation of fact upon which reliance is placed when the agency awards the grant. If it is later determined that the grantee knowingly rendered a false certification, or otherwise violates the requirements of the Drug-Free Workplace Act, HUD, in addition to any other remedies available to the Federal Government, may take action authorized under the Drug-Free Workplace Act. 3. Workplaces under grants, for grantees other than individuals, need not be identified on the certification. If known, they may be identified in the grant application. If the grantee does not identify the workplaces at the time of application, or upon award, if there is no application, the grantee must keep the identity of the workplace(s) on file in its office and make the information available for Federal inspection. Failure to identify all known workplaces constitutes a violation of the grantee's drug-free workplace requirements. 4. Workplace identifications must include the actual address of buildings (or parts of buildings) or other sites where work under the grant takes place. Categorical descriptions may be used (e.g., all vehicles of a mass transit authority or State highway department while in operation, State employees in each local unemployment office, performers in concert halls or radio stations). 5. If the workplace identified to the agency changes during the performance of the grant, the grantee shall inform the agency of the change(s), if it previously identified the workplaces in question (see paragraph three). 6. The grantee may insert in the space provided below the site(s) for the performance of work done in connection with the specific grant: Place of Performance (Street address, city, county, state, zip code) Appendix A: Certifications Page A-7 City of San Bernardino FY 2010-2011 Action Plan 1 1 Check if there are workplaces on file that are not identified here. The certification with regard to the drug-free workplace is required by 24 CFR part 24, subpart F. 7. Definitions of terms in the Nonprocurement Suspension and Debarment common rule and Drug-Free Workplace common rule apply to this certification. Grantees' attention is called, in particular, to the following definitions from these rules: "Controlled substance" means a controlled substance in Schedules I through V of the Controlled Substances Act (21 U.S.C. 812) and as further defined by regulation (21 CFR 1308.11 through 1308.15); "Conviction" means a finding of guilt (including a plea of nolo contendere) or imposition of sentence, or both, by any judicial body charged with the responsibility to determine violations of the Federal or State criminal drug statutes; "Criminal drug statute" means a Federal or non-Federal criminal statute involving the manufacture, distribution, dispensing, use, or possession of any controlled substance; "Employee" means the employee of a grantee directly engaged in the performance of work under a grant, including: (i) All "direct charge" employees; (it) all "indirect charge" employees unless their impact or involvement is insignificant to the performance of the grant; and (iii) temporary personnel and consultants who are directly engaged in the performance of work under the grant and who are on the grantee's payroll. This definition does not include workers not on the payroll of the grantee (e.g., volunteers, even if used to meet a matching requirement; consultants or independent contractors not on the grantee's payroll; or employees of subrecipients or subcontractors in covered workplaces). Appendix A: Certifications Page A-8 Appendix B: Summary of Citizen Participation and Public Comments City of San Bernardino FY 2010-2011 Action Plan FY 2010/11 Action Plan As part of the Action Plan development, the Community Development Citizen Advisory Committee (CDCAC) held a public hearing on January 21, 2010 to consider projects and activities for use of federal funds. The public hearing was held at the Economic Development Agency Board Room. In total, more than 15 residents and representatives of service provider agencies attended this meeting, in addition to the five Community Development Citizens Advisory Committee members. Service providers attending the Consolidated Plan community outreach meeting included: • Time for Change • Central City Lutheran Mission • Inland Fair Housing & Mediation Board • Project Life Impact • Universal Nursing Systems • A Servant's Heart Outreach • St. John's Success Center • Apartment Association Greater Inland Empire • OMNIP On March 25, 2010, the CDCAC held a public hearing to review the Draft FY 2010/11 Annual Action Plan for CDBG, HOME, and ESG funds. A 30-day public review of the Draft Action Plan was provided from March 30 through April 30, 2010. On May 3, 2010, the City conducted a public hearing to receive oral and written comments on the draft 2010-2011 Annual Plan and adopt the Action Plan. Appendix B: Citizen Participation Page B-1 Appendix C: SF424 Forms APPLICATION FOR Version 7103 FEDERAL ASSISTANCE 2.DATE SUBMITTED Applicant Identifier x33180 1.TYPE OF SUBMISSION: 3.DATE RECEIVED BY STATE State Application Identifier Application Pre-application ® Construction P Construction 4.DATE RECEIVED BY FEDERAL AGENCY Federal Identifier Non-Construe ion 0 Non-Construction 5.APPLICANT INFORMATION Legal Name: Organizational Unit: City of San Bernardino Department:Economic Development Agency 02rga46 0uonal DUNS: Division: Address: Name and telephone number of person to be contacted on matters Street: involving this application(give area code) 300 North'D"Street Prefix: First Name: Ms. Lisa City: Middle Name San Bernardino County: Last Name - San Bernardino Connor State: Zi Code Suffix: California 92418 Country: Email: USA IoonnorOsbrda.org 6.EMPLOYER IDENTIFICATION NUMBER(EIN): Phone Number(give area code) Fax Number(give area case) oo-©000000 (909)663-1044 (909)888-9413 S.TYPE OF APPLICATION: 7.TYPE OF APPLICANT: (See back of form for Application Types) 10 New DI Continuation Revision Municipal If Revision,enter appropriate letters)in box(es) See back of form for description of letters.) ❑ ❑ Other(specify) Other(specify) 9.NAME OF FEDERAL AGENCY: US Department of Housing and Urban Development(HUD) 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11.DESCRIPTIVE TITLE OF APPLICANTS PROJECT: o©-®oo Fiscal Year 2010-2011 One Year Action Plan TITLE(Name of Program): ESG Program consisting of assistance for homeless shelters and ESG Program services. 12.AREAS AFFECTED BY PROJECT(Cities,Counties.States,etc.): City of San Bernardino 13.PROPOSED PROJECT 14.CONGRESSIONAL DISTRICTS OF: Start Date: Ending Date: a.Applicant b.Project 7/01/10 6/3x11 29tH 91h 15.ESTIMATED FUNDING: 16.IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE RIDER 12372 PROCESS? a. Federal a.Yes. THIS PREAPPLICATIONIAPPLICATION WAS MADE 158.237 AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 b.Applicant PROCESS FOR REVIEW ON c.State DATE: d.Local b No In PROGRAM IS NOT COVERED BY E.O.12372 e.Other ❑ OR PROGRAM HAS NOT BEEN SELECTED BY STATE FOR REVIEW I.Program Income 17.IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? g.TOTAL 158,237 Q Yes If"Yes"attach an explanation. W] No 18.TO THE BEST OF MY KNOWLEDGE AND BELIEF,ALL DATA IN THIS APPLICATIONIPREAPPLICATION ARE TRUE AND CORRECT. THE DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE ATTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED. a.Authorized Representative efix FhnstNsme Middle Name Last Name Suffix McNeely .Title c.Telephone Number(give area code) City Manager 909 384-5122 .Signature of Authorized Representative e.Date Signed Previous Edition Usable Standard Form 424(Rev.9-2003) Authorized for Local Reproduction Prescribed by OMB Circular AA02 INSTRUCTIONS FOR THE SF-424 Public reporting burden for this collection of information is estimated to average 45 minutes per response,including time for reviewing instructions,searching existing data sources,gathering and maintaining the data needed,and completing and reviewing the collection of information.Send comments regarding the burden estimate or any other aspect of this collection of information,including suggestions for reducing this burden,to the Office of Management and Budget, Paperwork Reduction Project(0348-0043),Washington, DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET.SEND IT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. This is a standard form used by applicants as a required face sheet for pre-applications and applications submitted for Federal assistance. It will be used by Federal agencies to obtain applicant certifiwfion that States which have established a review and comment procedure in response to Executive Order 12372 and have selected the program to be included in their process,have been given an opportunity to review the applicant's submission. Item: E Item: Entry: 1. Select Type of Submission. 11. Enter a brief descriptive title of the project.If more than one program is involved,you should append an explanation on a separate sheet.If appropriate(e.g.,construction or real property projects),attach a map showing project location.For preapplications,use a separate sheet to provide a summary description of this project. 2. Date application submitted to Federal agency(or Stale 0 applicable) 12. List only the largest political entities affected(e.g.,State, and applicant's control number(if applicable). counties,cities). 3. State use only(if applicable). 13 Enter the proposed start date and end date of the project. 4. Enter Date Received by Federal Agency 14. List the applicant's Congressional District and any Distnd(s) Federal identifier number: If this application is a continuation or affected by the program or project revision to an existing award,enter the present Federal Identifier number. If for a new project,leave blank. 5. Enter legal name of applicant,name of primary organizational unit 15 Amount requested or to be contributed during the first (including division,if applicable),which will undertake the funding/budget period by each contributor.Value of in kind assistance activity,enter the organization's DUNS number contributions should be included on appropriate lines as (received from Dun and Bradstreet),enter the complete address of applicable.If the action will result in a dollar change to an the applicant(including country),and name,telephone number,e- existing award,indicate only the amount of the change.For mail and fax of the person to contact on matters related to this decreases,enclose the amounts in parentheses.If both basic application. and supplemental amounts are included,show breakdown on an attached sheet.For multiple program funding,use totals and show breakdown using same categories as item 15. 6. Enter Employer Identification Number(EIN)as assigned by the 16. Applicants should contact the State Single Point of Contact Internal Revenue Service. (SPOC)for Federal Executive Order 12372 to determine whether the application is subject to the Stale inter ovemmental review process. 7. Select the appropriate letter in 17. This question applies to the applicant organization,not the the space provided. I. State Controlled person who signs as the authorized representative.Categories A. State Institution of Higher of debt include delinquent audit disallowances,loans and B. County Learning taxes. C. Municipal J. Private University D. Township K. Indian Tribe E. Interstate L. Individual F. Intennunicipal M. Profit Organization G. Special District N. Other(Specify) H. Independent School O. Not for Profit District Organization S. Select the type from the following list: 18 To be signed by the authorized representative of the applicant. • "New"means a new assistance award. A copy of the governing body's authorization for you to sign • 'Continuation"means an extension for an additional this application as official representative must be on file in the funding/budget period for a project with a projected completion applicant's office.(Certain Federal agencies may require that dale. this authorization be submitted as part of the application.) • "Revision"means any change in the Federal Government's financial obligation or contingent liability from an existing obligation.If a revision enter the appropriate letter: A.Increase Award B.Decrease Award C. Increase Duration D.Decrease Duration 9. Name of Federal agency from which assistance is being requested with this application. 10. Use the Catalog of Federal Domestic Assistance number and title of the program under which assistance is requested. SF-424(Rev.7-97)Back APPLICATION FOR Version 7/03 FEDERAL ASSISTANCE 2.DATE SUBMITTED Applicant Identifier 063180 1.TYPE OF SUBMISSION: 3.DATE RECEIVED BY STATE State Application Identifier Application Pre-application rl Construction 6 Construction 4.DATE RECEIVED BY FEDERAL AGENCY Federal Identifier Non-Construction ❑Non-Construction 5.APPLICANT INFORMATION Legal Name: Organizational Unit: City of San Bernardino Department:Economic Development Agency 02g'qu�Znal DUNS: Division: Address: Name and telephone number of person to be contacted on matters Street: Involving this application(give area code) 300 North"D'Sheet Prefix: First Name: Ms. Lisa City: Middle Name San Bernardino County: ast Name Los Angeles nnor Stat @@: Zip Code Suffix: Califomia 92418 Country: Email: USA Iconnor®sbrde.org 6.EMPLOYER IDENTIFICATION NUMBER(EIN): Phone Number(give area code) Fax Number(give area code) oo-©oa0000 (909)663-1044 (909)888-9413 S.TYPE OF APPLICATION: 7.TYPE OF APPLICANT: (See back of form for Application Types) 10 Nev, r] Continuation ❑ Revision Municipal If Revision,enter appropriate letter(s)in box(es) See back of tone for description of letters.) ❑ ❑ Other(specify) Other(specify) 9.NAME OF FEDERAL AGENCY: US Department of Housing and Urban Development(HUD) 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11.DESCRIPTIVE TITLE OF APPLICANT'S PROJECT: ER_Eo© Fiscal Year 2010-2011 One Year Action Plan TITLE(Name of Program): CDBG Program consisting of the provision of public services, CDBG Program community development,economic development,code enforcement, 12.AREAS AFFECTED BY PROJECT(Cities, Counties,States,etc.): public improvement,and other related programs. City of San Bernardino 13.PROPOSED PROJECT 14.CONGRESSIONAL DISTRICTS OF: Start Date: Entling Date: a.Applicant b.Project 07/01/10 8/30/11 CA-043 A-041and 043 15.ESTIMATED FUNDING: 16.IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE ORDER 12372 PROCESS? a. Federal a.Ves. THIS PREAPPLICATION/APPLICATION WAS MADE 3,891,483 AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 b.Applicant PROCESS FOR REVIEW ON c.State DATE: d.Local b.No. PROGRAM IS NOT COVERED BY E.O.12372 e.Other OR PROGRAM HAS NOT BEEN SELECTED BY STATE FOR REVIEW I.Program Income 17.IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? g.TOTAL 3,891,483 [J Yes If'Yes'attach an explanation. No 18.TO THE BEST OF MY KNOWLEDGE AND BELIEF,ALL DATA IN THIS APPLICATION/PREAPPDCATION ARE TRUE AND CORRECT. THE DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE ATTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED. a.Authorized Representative ri,efx Chs Nsme E die Name Last Name Suffix McNeely .Title c.Telephone Number(give area code) City Manager 908 384-5122 .Signature of Authorized Representative e.Date Signed Previous Edition Usable Standard Form 424(Rev.9-2003) Authorized for Local Reproduction Prescribed by OMB Circular A-102 INSTRUCTIONS FOR THE SF-424 Public reporting burden for this collection of information is estimated to average 45 minutes per response,including time for reviewing instructions,searching existing data sources,gathering and maintaining the data needed,and completing and reviewing the collection of information.Send comments regarding the burden estimate or any other aspect of this collection of information,including suggestions for reducing this burden,to the Office of Management and Budget, Paperwork Reduction Project(0348-0043),Washington, DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET.SEND IT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. This is a standard form used by applicants as a required face sheet for pre-applications and applications submitted for Federal assistance. It will be used by Federal agencies to obtain applicant certification that States which have established a review and comment procedure in response to Executive Order 12372 and have selected the program to be included in their process, have been given an opportunity to review the applicant's submission. Item: Entry: Item: Entry: 1. Select Type of Submission. 11. Enter a brief descriptive title of the project. If more than one program is involved,you should append an explanation on a separate sheet.If appropriate(e.g.,construction or real property projects),attach a map shoving project location.For prespplications,use a separate sheet to provide a summary description of this project. 2. Date application submitted to Federal agency(or State If applicable) 12. List only the largest political entities affected(e.g.,State, and applicant's control number(if applicable). counties,cities). 3. State use only(if applicable). 13 Enter the proposed start date and end date of the project. 4. Enter Date Received by Federal Agency 14. List the applicant's Congressional District and any Districts) Federal identifier number: If this application is a continuation or affected by the program or project revision to an existing award,enter the present Federal Identifier number. If for a new project,leave blank. 5. Enter legal name of applicant,name of primary organizational unit 15 Amount requested or to be contributed during the first (including division,K applicable),which will undertake the funding/budget period by each contributor.Value of in kind assistance activity,enter the organization's DUNS number contributions should be included on appropriate lines as (received from Dun and Bradstreet),enter the complete address of applicable.If the action will result in a dollar change to an the applicant(including country),and name,telephone number,e- existing award,indicate only the amount of the change.For mail and fax of the person to contact on matters related to this decreases,enclose the amounts in parentheses.If both basic application. and supplemental amounts are included,show breakdown on an attached sheet.For multiple program funding,use totals and show breakdown using same categories as item 15. 6. Enter Employer Identification Number(EIN)as assigned by the 16. Applicants should contact the State Single Point of Contact Internal Revenue Service. (SPOC)for Federal Executive Order 12372 to determine whether the application is subject to the State intergovernmental review process. 7. Select the appropriate letter in 17. This question applies to the applicant organization,not the the space provided. I. State Controlled person who signs as the authorized representative.Categories A. State Institution of Higher of debt include delinquent audit disallowances,loans and S. County Learning taxes. C. Municipal J. Private University D. Township K. Indian Tribe E. Interstate L. Individual F. Intermunicipal M. Profit Organization G. Special District N. Other(Specify) H. Independent School O. Not for Profit District Organization S. Select the type from the following list: 18 To be signed by the authorized representative of the applicant. • "New"means a new assistance award. A copy of the governing body's authorization for you to sign • "Continuation"means an extension for an additional this application as official representative must be on file in the funding/budget period for a project with a projected completion applicant's office.(Certain Federal agencies may require that date. this authorization be submitted as part of the application.) • "Revision"means any change in the Federal Government's financial obligation or contingent liability from an existing obligation.If a revision enter the appropriate letter: A.Increase Award B.Decrease Award C.Increase Duration D.Decrease Duration 9. Name of Federal agency from which assistance is being requested with this application. 10. Use the Catalog of Federal Domestic Assistance number and title of the program under which assistance is requested. SFA24(Rev.7-97)Back APPLICATION FOR version 7/03 FEDERAL ASSISTANCE 2.DATE SUBMITTED licant Identifier 0 180 I 1.TYPE OF SUBMISSION: 3.DATE RECEIVED BY STATE Stale Application Identifier Application Pre-application ® Construction Construction 4.DATE RECEIVED BY FEDERAL AGENCY Federal Identifier Non-Construction Non-Construction 5.APPLICANT INFORMATION Legal Name: Organbrational Unit: City f San Bernardino Department: ty Economic Development Agency Organizational DUNS: Division: 121146302 Address: Name and telephone number of person to be contacted on matters Street: Involving this application(give area code) 300 North'D"Street Prefix: First Name: Ms. Lisa CKy: Middle Name San Bernardino County: Last Name San Bernardino Connor State: L'p2<18 a Suffix:California 9 Country: Email: USA IconnorGsbrda.org 6.EMPLOYER IDENTIFICATION NUMBER(EIN).' Phone Number(give area code) Fax Number(give area code) oo-©000000 (909)663-11 (909)888-9413 8.TYPE OF APPLICATION: 7.TYPE OF APPLICANT: (See back of form for Application Types) 17 New F1I Continuation Revision Municipal If Revision,enter appropriate lefter(s)in box(es) See back of form for description of letters.) ❑ ❑ Other(specify) Other(specify) 9.NAME OF FEDERAL AGENCY: US Department of Housing and Urban Development(HUD) 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11.DESCRIPTIVE TITLE OF APPLICANT'S PROJECT: 00—©OO Fiscal Year 2010-2011 One Year Action Plan HOME Program consisting of Homebuyer Assistance and Education, TITLE(Name of Program): Residential Rehabilitation,and CHDO housing development. HOME Program 9 P 12.AREAS AFFECTED BY PROJECT(Cities, Counties,States,etc.): City of San Bernardino 13.PROPOSED PROJECT 14.CONGRESSIONAL DISTRICTS OF: Start Date: Ending Date: a.Applicant b.Project 7/01/10 6F30/11 29th 9th 15.ESTIMATED FUNDING: 16.IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE RDER 12372 PROCESS? a. Federal a Yes THIS PREAPPLICATION/APPLICATION WAS MADE 1,698,384 AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 b.Applicant PROCESS FOR REVIEW ON c.Stale DATE: d.Local b.No. WI PROGRAM IS NOT COVERED BY E.O. 12372 e.Other r OR PROGRAM HAS NOT BEEN SELECTED BY STATE —' FOR REVIEW I.Program Income 17.IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? g.TOTAL 1.698,384 U Yes If"Yes"a0ach an explanation. 0 No ve 18.TO THE BEST OF MY KNOWLEDGE AND BELIEF,ALL DATA IN THIS APPLICATION/PREAPPLICATION ARE TRUE AND CORRECT. THE OCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE .TTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED. a.Authorized Representative N Mefix Cherlesma Middle Name E. Last Name Suffix McNeely b.Title o.Telephone Number(give area code) City Manager 909 384-5122 J.Signature of Authorized Representative a.Date Signed Previous Edition Usable Standard Form 424(Rev.9-2003) Authorized for Local Reproduction Prescribed by OMB Cimular A-102 INSTRUCTIONS FOR THE SF-424 Public reporting burden for this collection of information is estimated to average 45 minutes per response, including time for reviewing instructions,searching existing data sources,gathering and maintaining the data needed,and completing and reviewing the collection of information.Send comments regarding the burden estimate or any other aspect of this collection of information,including suggestions for reducing this burden,to the Office of Management and Budget, Paperwork Reduction Project(0348-0043),Washington, DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET.SEND IT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. This is a standard form used by applicants as a required face sheet for pre-applications and applications submitted for Federal assistance. It will be used by Federal agencies to obtain applicant certification that States which have established a review and comment procedure in response to Executive Order 12372 and have selected the program to be included in their process, have been given an opportunity to review the applicant's submission. Item: Entry: Item: Entry: 1. Select Type of Submission. 11, Enter a brief descriptive title of the project.If more than one program is involved,you should append an explanation on a separate sheet.If appropriate(e.g.,construction or real property projects),attach a map showing project location.For preapplications,use a separate sheet to provide a summary description of this project. 2. Date application submitted to Federal agency(or State if applicable) 12. List only the largest political entities affected(e.g.,State, and applicant's control number(if applicable). counties,cities). 3. State use only(if applicable). 13 Enter the proposed start date and end date of the project. 4. Enter Date Received by Federal Agency 14. List the applicant's Congressional District and any District(s) Federal identifier number: If this application is a continuation or affected by the program or project revision to an existing award,enter the present Federal Identifier number. If for a new project,leave blank. 5. Enter legal name of applicant,name of primary organizational unit 15 Amount requested or to be contributed during the first (including division,if applicable),which will undertake the funding/budget period by each contributor.Value of in kind assistance activity,enter the organization's DUNS number contributions should be included on appropriate lines as (received from Dun and Bradstreet),enter the complete address of applicable.If the action will result in a dollar change to an the applicant(including country),and name,telephone number,e- existing award,indicate only the amount of the change.For mail and fax of the person to contact on matters related to this decreases,enclose the amounts in parentheses.If both basic application. and supplemental amounts are included,show breakdown on an attached sheet.For multiple program funding,use totals and show breakdown using same categories as Rem 15. 6. Enter Employer Identification Number(EIN)as assigned by the 16. Applicants should contact the State Single Point of Contact Internal Revenue Service. (SPOC)for Federal Executive Order 12372 to determine whether the application is subject to the State intergovernmental review process. 7. Select the appropriate letter in 17. This question applies to the applicant organization,not the the space provided. I. State Controlled person who signs as the authorized representative.Categories A. State Institution of Higher of debt include delinquent audit disallowances,loans and B. County Learning taxes. C. Municipal J. Private University D. Township K. Indian Tribe E. Interstate L. Individual F. Intermunicipal M. Profit Organization G. Special District N. Other(Specify) H. Independent School O. Not for Profit District Organization 8. Select the type from the following list: 18 To be signed by the authorized representative of the applicant. • "New"means a new assistance award. A copy of the governing body's authorization for you to sign • "Continuation"means an extension for an additional this application as official representative must be on file in the funding/budget period for a project with a projected completion applicant's office.(Certain Federal agencies may require that date. this authorization be submitted as part of the application.) • 'Revision'means any change in the Federal Government's financial obligation or contingent liability from an existing obligation.If a revision enter the appropriate letter: A.Increase Award B.Decrease Award C.Increase Duration D.Decrease Duration 9. Name of Federal agency from which assistance is being requested with this application. 10. Use the Catalog of Federal Domestic Assistance number and title of the program under which assistance is requested. SF-424(Rev.7-97)Back Appendix D: Listing of Proposed Projects U.S.Department of Housing OMB Approval No.2506-0117 and Urban De,'clopment (Erp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Home of Neighborly Service Activity Family Literacy/Social Services and Delinquency Prevention Description Provides positive cultural,recreational and educational experiences for individuals and families through activities such as Girls and Boys Scouts,dance,boxing, aerobics and sewing. The center also has After School Learning Center where children are provided with tutoring and homework assistance. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 839 North Mount Vernon Avenue (City, State,Zip Code): San Bernardino, CA 92411 Specific Objective Project ID Funding Sources: Number I CDBG $15,000 CD-6 ESG HUD Matrix Code CDBG Citation HOME 05 Public Service 570.201(e) HOPWA (General) Total Formula Type of Recipient CDBG National Objective Prior Year Funds _ _....._.........-_......... Sub-recipient, Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total 01 People(General) 1,800 Local ID Units Upon Completion ----------_-- The primary purpose of the project is to help:❑ the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Rousing OMB Approval No.2506-0117 and Urban Development (Exp.4170/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Mary's Mercy Center Inc Activity Mary's Table Description It is a Hot Meal Kitchen and is open six days a week. We offer hot heals,weekly food bags, showers 4 days a week with hygiene packets and clothes. We also offer emergency infant needs, bus tickets/passes, referrals,and an annual Christmas Eve Party. In collaboration,we are able to also offer Flu Shot Clinics, Blood Pressure and diabetes Clinics, medical Clinics,Veteran Services and Medical Insurance Information and Qualifying. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): P.O.Box 7563 (City, State,Zip Code): San Bernardino, CA 92411 Specific Objective Project ID Funding Sources: Number 2 CDBG $15,000 CD-I ESG $10,0.0__0___ HUD Matrix Code CDBG Citation HOME -- 05 Public Service 570.201(e) HOPWA General Total Formula _......---------_..--- Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient,Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA - — 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $25,000 Units of Assistance 4.458 Local ID Units Upon Completion -----------------.__.._............ ._... The primary purpose of the project is to help:®the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S. Department of housing OMB Approval No.2506-0117 and Urban Development (Exp.4[30(2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Central City Lutheran Mission Activity Plaza Comunitaria Description Program targets bilingual Latino youth (0-18 yrs) coming from mono-lingual homes by developing bridges for dialogue assisting monolingual homes to develop parenting skills,increase school retention,improve diets and reduce engagement with the juvenile justice system through workshops,cultural events,and after school tutoring programs. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1354 North G Street (City, State, Zip Code): San Bernardino,CA 92405 Specific Objective Project ID Funding Sources: _ __ „ Number 3 CDBG $12,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula __- ._- --------_-------- Sub-recipient, Private LMC Prior Year Funds _ Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing _ __ ._.............. 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units _ Other Funding 01 People General 1.750 Total __...-.-_-._-__-._......-..-.-....... $12,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (e,p.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Frazee Community Center Activity Hot Meals Description Provides emergency meal feeding program by providing box lunches,clothing, blankets,hygiene products, bus passes and assist in obtaining California IDs. Objective category: E Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1140 West Mill Street (City, State,Zip Code): San Bernardino,CA 92410 Specific Objective Project ID Funding Sources: - Number 4 CDBG $12,000_ CD-1 ESG $_1.2,6__6_0_ HUD Matrix Code CDBG Citation HOME - 05 Public Service 570.201(e) HOPWA General Total Formula Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient, Private LMC Assisted Housing _- Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding _ Performance Indicator Annual Units Total $24,660 01 People(General) 1,800 Local ID Units Upon Completion ---------------The primary purpose of the project is to help: 0 the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMa Approval No.2506-0117 and Urban Development (Esp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Option House, Inc. Activity Temporary Crisis Intervention Shelter Program Description Provides services to female victims of domestic violence and their children through 24-hour ciris intervention,temporary emergency shelter,food,clothing,and support services,as well as transitional housing. Objective category: ED Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): P.O. Box 970, 813 North D Street Suites 3 & 4 (City, State,Zip Code): San Bernardino,CA 92402 Specific Objective Project ID Funding Sources: Number 5 CDBG $15,000 CD-2 ESG $_1_0_,000_ _ HUD Matrix Code CDBG Citation HOME 05G Battered and 570.201(e) HOPWA ....................... -- — — Abused Spouses Total Formula ..........._........ .- - Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient, Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) PHA — - 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $25,000 01 People(General) 300 Local ID Units Upon Completion ....................................._........ The primary purpose of the project is to help: ®the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506 4117 and Urban Development (E.p.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority, Need High Project Time for Change Foundation Activity Transitional Housing and Reentry Services Description Provides transitional housing and reentry services to women who are homeless, ex-offenders and recovering from physical and substance abuse in a sober living environment. Propose to residents to implement case management,mental health services,and drug abuse counseling. Objective category: E Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: E Availability/Accessibility ❑ Affordability ❑ Sustainability, Location/Target Area: (Street Address): 1255 East Highland Avenue,#211 (City,State,Zip Code): San Bernardino,CA 92405 Specific Objective Project ID Funding Sources: Number 6 CDBG $15,000 CD-2 ESG $10,000 _.............I-------- - - HUD Matrix Code CDBG Citation HOME 05 Public Service 570.201(e) HOPWA -.............-----....._.__..._.. General Total Formula Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient, Private LMC --••-•---•••-__....._.. Assisted Housing Start Date mm/dd/ -- --- ( yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 OtherFunding Performance Indicator Annual Units Total $15,000 01 People(General) 65 Local ID Units Upon Completion --------•---------- The primary purpose of the project is to help:0 the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing ONa Approval No.2506-0117 and Urban Development (Esp.4/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project AI-Shifa Clinic, Inc. Activity Primary Health Care/Basic Dental Care Description Provides psychosocial, medical, dental and some specialty care services,free of charge,to the indigent and underserved through a network of dedicated volunteer physicians, dentists, and specialists. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 2034 B Mallory Street (City, State, Zip Code): San Bernardino, CA 92407 Specific Objective Project ID Funding Sources: Number 7 CDBG $15,000 ._........_..........._.........._......_..._.............. CD-5 ESG HUD Matrix Code CDBG Citation HOME .................................................. 05M Health Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd yyyy) Completion Date (mm/dd yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 800 Total $15,000 Local ID Units Upon Completion The primary purpose ofthe project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMn Approval No.5506-0117 and Urban Development (E.p.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Assistance League of San Bernardino-Children's Dental Center Activity Dental Services Expansion Description Provides complete professional dental services to the children of low to very low income families in the San Bernardino City Unified School District who do not have dental insurance and are not receiving public assistance. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability. Location/Target Area: (Street Address): 560 West 6' Street (City,State,Zip Code): San Bernardino, CA 92410 Specific Objective Project ID Funding Sources: Number 8 CDBG $12,000 CD-5 ESG HUD Matrix Code CDBG Citation HOME 05M Health Services 570.201 e HOPWA - Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Stan Date mm/dd ....... .. ...... . ..--- - ( yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 400 Total $12,000 Local ID Units Upon Completion The primary purpose ofthe project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.3506-0117 and Urban Development (Exp.4/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Inland AIDS Project Activity Inland Aids Project Case Management Description Administers mental health, substance abuse,food voucher distribution, housing assistance, case management, and health promotion programs for men,women, children and families. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1374 North Waterman Avenue (City,State, Zip Code): San Bernardino,CA 92404 Specific Objective Project ID Funding Sources: Number 9 CDBG $10,000 CD-5 ESG .-....................................... HUD Matrix Code CDBG Citation HOME ............................................... 05M Health Services 570.201(e) HOPWA ...........................-..._....... Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds ...........-...,................... ._..,....._. Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA ..-•-.......... Performance Indicator Annual Units Other Funding 01 People(General) 100 Total $10,000 Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless 0 Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project San Bernardino Medical Center Activity Pre and Post Natal Diabetic Clinic Description Designed to improve pregnancy outcomes for women who have diabetes during pregnancy and after birth through education. Health care professional are on-hand to provide supportive and complimentary services to ensure that women and children obtain and retain quality health. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1374 North Waterman Avenue (City,State, Zip Code): San Bernardino, CA 92404 Specific Objective Project ID Funding Sources: _ Number 10 CDBG $10,000 CD-5 ESG - -- - - HUD Matrix Code CDBG Citation HOME 05M Health Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds _„__ _ Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing .. 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 100 Total $10,000 Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S. Department of Housing OMa Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Asian American Resource Center Activity Job Training & ESL/Civic Program Description Provide English as a Second language(ESL) and Job Training services to individuals whose English communication skills are either non-existent or lacking and increases the chances of such individuals removing themselves from isolation due to language barriers. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1115 South "E" Street (City, State,Zip Code): San Bernardino,CA 92408 Specific Objective Project ID Funding Sources: Number 11 CDBG $15,000 CD-6 ESG HUD Matrix Code CDBG Citation HOME ._......_............-........ ,..--....._. 05 Public Service 570.201(e) HOPWA General Total Formula Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient, Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units - �— - Total $15,000 01 People General 350 Local ID Units Upon Completion .. ..... ••••..... -••--•--- The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Erp.4302011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Bays & Girls Club of Redlands –Waterman Gardens Activity Waterman Gardens Boys&Girls Club Description Provides access to a broad range of programs in the five core areas of Character and Leadership Development,Education and Career Development, Health and Life Skills, The Arts, and Sports, Fitness and Recreation Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 402 Alder Street (City,State,Zip Code): Redlands,CA 92410 Specific Objective Project ID Funding Sources: Number 12 CDBG $5,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA _ __ Performance Indicator Annual Units Other Funding _ _-,-„ —_ 01 People(General) 1,000 Total Local ID ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Esp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Boys & Girls of San Bernardino Activity Power Hour Description Provides comprehensive mentoring and tutoring designed to further enhance the math, reading, and writing skills of children in grades K through 12. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1180 West 9" Street (City, State, Zip Code): San Bernardino, CA 92411 Specific Objective Project ID Funding Sources: Number 13 CDBG $15,000 CD-7 ESG ......_....... HUD Matrix Code CDBG Citation HOME .._.................................... ...... 05D Youth Services 570.201(e) HOPWA .-......................................._...._..._.... Type of Recipient CDBG National Objective Total Formula ....._...................._............._.......... Sub-recipient, Private LMC Prior Year Funds Start Date mm/dd Completion Date mm/dd ----........ ................. ( yyyy) p ( yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 130 Total $15,000 Local ID Units Upon Completion Theprimary purpose of the project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506 4117 and Urban Development (Esp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Child Advocates of San Bernardino County Activity Court Appointed Special Advocate Training Program Description Advocates on behalf of abused children through appointing CASA volunteers as stable presence in foster youth's lives,acting as a connector of various services to foster youth and families, providing legal, educational, and health care system support Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 555 North D Street, Suite 100 (City,State, Zip Code): San Bernardino, CA 92401 Specific Objective Project ID Funding Sources: Number 14 CDBG $12,000 — CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 - — - - PHA Performance Indicator Annual Units Other Funding 01 People(General) 180 Total $12,000 Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S. Department of Housing, Oam Approval No.2506-0117 and Urban Development (Exp.430/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Children's Fund,Inc. Activity Daily Referral Program Description Ensure that at-risk children who are abused, neglected, impoverished,or abandoned receive adequate food, shelter, clothing,medical care and education. The Daily Referral program is the engine through which Children's Fund meets the emergency needs of at-risk youth. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 385 North Arrowhead, 2nd Floor (City, State,Zip Code): San Bernardino, CA 92415 Specific Objective Project ID Funding Sources: Number 15 CDBG $12,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing _...... ,_T_ 07/01/2010 06/30/2011 PHA _ Performance Indicator Annual Units Other Funding _ 01 People(General) 500 Total $12,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.3406-0117 and Urban Development (Exp.4/30/3010 Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Gang Reduction Intervention Team (GRIT) Activity Upward Bound Description GRIT provides Interaction/Awareness Classes & Upward Bound Reentry Training. Classes are 14- weeks,two-hour classes, twice a week. Topics include: Anger Management, Gang Intervention, Life Skills, Intuitional Debriefing, Sexually Transmitted Disease, Realities of Prison Life,Weapons Diversion, Drug& Alcohol Awareness,Teen Pregnancy Prevention & Education and Cardin Pulmonary Resuscitation Training& Certification. Objective category: ® Suitable.Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 801 Post Street (City, State,Zip Code): Redlands, CA 92374 Specific Objective Project ID Funding Sources: Number 16 CDBG ._.$15,000 .........-.--......................._.... ..._.. CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date mm/dd/ ._..._.-----...--_...............- ( yyyy) Completion Date(Inm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 40 Total $15,000 — Local ID Units Upon Completion ............................ -- .- The primary purpose of the project is to help:❑the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.1506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Project Life Impact Activity Project Life After School Learning Center Description Project Life Impact is an official CAPS Program Provider for the San Bernardino City Unified School District.The program promotes; academic achievement in curricular areas, increases daily student attendance rates, reduces student suspension and expulsion rates and develops both positive student behavior and cooperative skills. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: E Availability/Accessibility ❑ Affordability ❑ Sustainability i Location/Target Area: I (Street Address): 863 North Mountain View (City,State, Zip Code): San Bernardino,CA 92401 Specific Objective Project ID Funding Sources: Number 17 CDBG $101000 CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(c) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds .........................------ __ __ _______ ___ Start Date(mm/dd/yyyy) Completion Date mm/dd/ ....... - P ( YYYY) Assisted Housing 07/01/2010 06/30/2011 PHA -......-----....---.-_....--.--...._.. Performance Indicator Annual Units Other Funding --------_......-----.......... - - Units of sslstance 900 Total $10,000 Local ID Units Upon Completion The primary purpose ofthe project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/7012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project San Bernardino National Forest Association Activity Urban Youth Conservation Corps Description Prevent and/or intervene early in drug and gang violence among at-risk youth (ages 15 through 19 years old)who live in zip code areas 92411 and 92410 within the City of San Bernardino. This is achieved through weekly job readiness training and paid conservation work activities in the community,as well as on the National Forest. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 602 South Tippecanoe Avenue (City,State,Zip Code): San Bernardino,CA 92411 Specific Objective Project ID Funding Sources: Number 18 CDBG $15,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME 05D Youth Services 570.201(e) HOPWA _ Type of Recipient CDBG National Objective Total Formula _ Sub-recipient, Private LMC Prior Year Funds __ Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing -_------__--_.— 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 300 Total $15,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HTWA1DS❑Persons with Disabilities❑ Public Housing Needs U.S. Department of Housing OMB Approval No.25064117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Santa Claus, Inc Activity Santa Claus, Inc of Greater San Bernardino Description Provides new toys,clothing, books, and quality educational materials for local underprivileged children at Christmas. Eligible parents are identified as families of the working poor primarily by the San Bernardino Unified School District. Invitations are sent to parents to "shop for free" at its warehouse Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 824 East 6" Street (City, State,Zip Code): San Bernardino, CA 92406 Specific Objective Project ID Funding Sources: - Number 19 CDBG $10,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME _..........................-....._ 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC — - PriorYearFunds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding Units of Assistance 14 000 Total $10,000 Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMa Approval No.2506-0117 and Urban Development (Eap.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Sinfonia Mexicana's Mariachi Youth Academy Activity Sinfonia Mexicans Mariachi Youth Academy Description Offers an extracurricular musical education to middle and high school students. In addition to teaching musical skills,this program also emphasizes the importance of a higher education and fosters strong leadership skills among its participants. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 562 West 4fb Street (City, State, Zip Code): San Bernardino,CA 92401 Specific Objective Project ID Funding Sources: Number 20 CDBG $10,000 .........-.---............... _ CD-7 ESG HUD Matrix Code CDBG Citation HOME 5D Youth Services 570.201(e) HOPWA _ Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) Assisted Housing --_---------------------- 07/01/2010 I 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General 20 Total $10,000 Local ID Units Upon Completion The primary purpose of the project is in help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project St. John's Community Success Center Activity Safe Space Description Offers a safe site where children can come together, explore new crafts and skills, and develop positive social skills supervised by caring adults. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 2939 North Stoddard; 1407 N. Arrowhead Avenue (City, State, Zip Code): San Bernardino, CA 92405 Specific Objective Project ID Funding Sources: Number 21 CDBG $12,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME ._.........................._......_............ 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds ...............................-_........... Start Date (nu /dd/yyyy) Completion Date (mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding _.......__.......0.0............._..-_...-.._ 01 People(Genera]) 120 Total $12,000 Local ID Units Upon Completion The primary purpose ofthe project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing oval Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Youth Action Project,Inc. (YAP) Activity Youth Action Project Description Trains 50 AnleriCorp volunteers who in turn provide tutoring and coaching to local high school students needing extra assistance to pass the California High School Exit Exam. Additionally, members facilitate workshops and community-benefit projects Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 600 North Arrowhead Avenue, Suite 300 (City, State,Zip Code): San Bernardino, CA 92401 Specific Objective Project ID Funding Sources: Number 22 CDBG $15,000 CD-7 ESG ...........................- ...__...__. HUD Matrix Code CDBG Citation HOME ..........................— — — 05D Youth Services 570.201 e HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People General 50 Total $15,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Evp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project YMCA of San Bernardino Activity Financial Assistance/Scholarship Program Description Offers a financial assistance program for programs offered at the YMCA for families in the community that can not afford to pay for such programs. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 808 East 21" Street (City, State,Zip Code): San Bernardino, CA 92404 Specific Objective Project ID Funding Sources: Number 23 CDBG $121000 ........._ CD-7 ESG HUD Matrix Code CDBG Citation HOME .-........................_...............-........... 05D Youth Services 570.201(e) HOPWA __..........._..._..........-............. Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing .....-............._...-._................. 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding ............0.0 _..............._.. Units of Assistance 1500 Total $12,0.00 Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S. Department of Housing ONW Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Highland District Council on Aging Activity Senior Center Description Provides a wide variety of Social, Educational,Physical,Nutritional and Transportation services to the senior population. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 3102 East Highland Avenue (City,State,Zip Code): Patton, CA 92369 Specific Objective Project ID Funding Sources: Number 24 CDBG $15,000 CD-8 ESG HUD Matrix Code CDBG Citation HOME 05A Senior Services 570.201(e) HOPWA _ Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds _.............__—.__..--- Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding Units of Assistance 14500 Total $15,000 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Esp.6/30/20 11) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Legal Aid Society of San Bernardino Activity Legal Aid Clinic Description Offers residents access to legal counsel, document preparation for family law, guardianship and conservatorship actions,education, and procedural assistance at each step of the legal process as well as educated on their rights and responsibilities. Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 354 West 6a' Street (City, State, Zip Code): San Bernardino,CA 92401 Specific Objective Project ID Funding Sources: Number 25 CDBG $12,000 ......................._--.........._....._....... CD-9 ESG HUD Matrix Code CDBG Citation HOME 05C Legal Services 570.201(e) HOPWA ............-.....................- ---- Type of Recipient CDBG National Objective Total Formula ............_..............._...._.......... ...... Sub-recipient, Private LMA Prior Year Funds ............................._.._........_._. Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 1 06/30/2011 PHA Performance Indicator Annual Units Other Funding .... -....._... ._........................ .. O] People(General) 370 Total $1_2 2,000 0 Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project San Bernardino Sexual Assault Services, Inc. Activity Sexual Violence Prevention Description Provide understanding and support to victims of sexual assault/domestic violence through immediate crisis intervention, one-on-one counseling,hospital/court accompaniment,and advocacy services. 24 hours crisis hotline and prevention education programs; on site counseling and support groups to schools. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 444 North Arrowhead Avenue, Suite 101 (City,State,Zip Code): San Bernardino,CA 92407 Specific Objective Project ID Funding Sources: Number 26 CDBG $12,000 CD-10 ESG HUD Matrix Code CDBG Citation HOME 05G Battered&Abused 570.201(e) HOPWA Spouses Total Formula Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient, Private LMC y ..._...�_.- Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 OtherFunding Performance Indicator Annual Units Total $12,000 01 People General 1,700 Local ID Units Upon Completion --•-- •---- -------- The primary purpose of the project is M help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Eap.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Lorine's Learning Academy/Cornerstone Christian Academy Activity Lorine's Learning Academy/Cornerstone Christian Academy Description Provides three licensed childcare programs: infant care center; preschool program and school age program. The academy is a "one-stop" childcare provider. The School Age Program (K-616) provides transportation to and from school while on-track. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 702 West 16th Street (City,State,Zip Code): San Bernardino, CA 92405 Specific Objective Project ID Funding Sources: Number 27 CDBG $10,000 ._..........__.....-...--....-........ — CD-11 ESG HUD Matrix Code CDBG Citation HOME 05L Child Care Services 570.201 e HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient, Private LMC Prior Year Funds _ Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA _ Performance Indicator Annual Units Other Funding O1 People(Geneml) 85 Total $10,000 Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Erp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Knotts Family and Parenting Institution Activity Mentoring A Life Description Assist at-risk youth with the development of behavior change, life, social and interpersonal skills. Assist foster youth in achieving excellence and becoming citizens that contribute positively to society. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1505 West Highland Avenue,Suite 19 (City, State,Zip Code): San Bernardino,CA 92411 Specific Objective Project ID Funding Sources: Number 28 CDBG $12,000 CD-7 ESG HUD Matrix Code CDBG Citation HOME ._....-............................. 05D Youth Services 570.201(e) HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMC Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding _......--...--......----._-_._. 01 People(General) 100 Total $12,000 Local ID Units Upon Completion The primary purpose of the pmim is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.0/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Fire Department Priority Need High Project Fire Department Equipment/Leases Activity Fire Equipment Description The Department staffs twelve fire engine companies, two aerial truck companies,one heavy rescue, five 4-wheel drive brush engines, one hazardous material response rig and one medic squad housed in twelve stations throughout the City Objective category: ® Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 201 North E Street (City, State, Zip Code): San Bernardino, CA 92401 Specific Objective Project ID Funding Sources: Number 29 CDBG $445,698 ........_....--.......-....-............ 1-1 ESG ._.............................................. ..... HUD Matrix Code CDBG Citation HOME ....................................._........... 030 Fire Stations/ 570.201(e) HOPWA Equipment Total Formula ...............-........................._.... ...... Type of Recipient CDBG National Objective Prior Year Funds Local Government LMA Assisted Housing Start Date(mm/dd/yyyy) Completion Date (mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $445,698 Leases I Local ID Units Upon Completion .-_..._..._............................................. The primary purpose of the project is to help:❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4130/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Street and Street Lighting Activity Street and Street Lighting Description Projects include efforts to extend and widen streets, street resurfacing,construction of curbs,gutters, sidewalk, handicap ramps,bikeways, right of way acquisition and street lighting systems Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): City wide (City,State,Zip Code): San Bernardino,CA Specific Objective Project ID Funding Sources: Number 30 CDBG $464,417 _............................_-_.. I-2 ESG _..--------------------------- — HUD Matrix Code CDBG Citation HOME 03K Street 570.201(c) HOPWA Im rovements Total Formula Type of Recipient CDBG National Objective Prior Year Funds Local Government LMA Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA — 07/01/2010 06/30/2011 Other Funding Perfotmance Indicator Annual Units Total y$464,417� Projects 1 Local ID Units Upon Completion .-............... --------- The primary purpose of the pmjmt is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Devclopment (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project City of San Bernardino Activity Grow San Bernardino Fund SBA 7A Loan Program Description The SBA 7A-Grow America Fund Program provides loans to small businesses. This program is available countywide and can provide 100 percent financing for up to$1 million. The program provides long-term, fixed-rate financing which may be utilized for property acquisition, construction,building renovations or leasehold improvements, debt refinancing,capital equipment and working capital. Objective category: ❑ Suitable Living Environment ❑Decent Housing ® Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): City wide (City, State,Zip Code): San Bernardino,CA Specific Objective Project ID Funding Sources: Number 31 CDBG $501000 ED-3 ESG HUD Matrix Code CDBG Citation HOME 18A ED Direct Financial 570.203(b) HOPWA Assistance to For-Profits Total Formula _ Type of Recipient CDBG National Objective Prior Year Funds — Local Government LMJ ---...-----__._ Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA ._........._..... _--_--_-._-..._._. 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total Businesses 2 Local ID Units Upon Completion --•----- --- -The primary purpose of the project is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (E:p.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project City of San Bernardino Activity Section 108 Loan Repayment Description Pay off Section 108 loan that was used to relocate tenants to safe and sanitary housing,demolish structures,and make the land available to a master developer for a retail commercial center. The City is currently renegotiating a HUD Section 108 Loan for the 20-Plex movie theater(formerly known as the CinemaStar)in the amount of$9 million to repay the original HUD 108 Loan of$4.6 million and provide necessary funds for new technology upgrades and remodeling by Maya Cinemas North America,Inc. Objective category: ❑ Suitable Living Environment ❑Decent Housing ® Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): City wide (City, State,Zip Code): San Bernardino,CA Specific Objective Project ID Funding Sources: _ _- Number 32 CDBG $410,000 ED-6 ESG HUD Matrix Code CDBG Citation HOME 19F Planned Repayment 570.204(a) HOPWA of Section 108 Loan Total Formula _....__.........___.......--.-...__ Principal Prior Year Funds Type of Recipient CDBG National Objective Assisted Housing - PHA Local Government LMJ "........--".................... Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Other Funding -"--------'-"- 07/01/2010 06/30/2011 Total $410,000 Performance Indicator Annual Units Jobs created/retained 475 .....................................•..----- Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S. Department of housing OMB Approval No.2506-0117 and Urban Development (E: p.4/3012011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project CDBG Program Administration Activity CDBG Program Administration Description CDBG program development,implementation, financial management, monitoring,review of sub- recipient reporting, plan preparation,noticing, training,IDIS reporting, and consultant services to update 5-year Consolidated Plan and Analysis of Impediments to fair housing. Objective category: ❑ Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ❑ Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 300 North D Street (City,State, Zip Code): San Bernardino, CA 92418 Specific Objective Project ID Funding Sources: Number 33 CDBG $210,000 F ESG HUD Matrix Code CDBG Citation HOME 21A General Program 570.206 HOPWA Administration -----_----- Total Formula Type of Recipient CDBG National Objective Prior Year Funds - — Local Government _—................................_... Assisted Housing Start Date yyyy Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $210,000 Local ID Units Upon Completion _....._.................._..._....... The primary purpose of the project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S. Department of Housing OMB Approval No.2506-0117 and Urban Development (EaP4/70/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project HOME Program Administration Activity HOME Program Administration Description HOME program development,implementation,financial management, monitoring, review of sub- recipient reporting, plan preparation, noticing,training,IDIS reporting,and consultant services to update 5-year Consolidated Plan and Analysis of Impediments to fair housing. Objective category: ❑ Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ❑ Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 300 North D Street (City, State, Zip Code): San Bernardino, CA 92418 Specific Objective Project ID Funding Sources: Number 34 CDBG F ESG HUD Matrix Code CDBG Citation HOME $16_9,_8.38 . . 21A General Program 570.206 HOPWA -...... __ ,-___.,_,_-,_-,,.,,,,_, Administration Total Formula Type of Recipient CDBG National Objective Prior Year Funds Local Government Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $169,838 Local ID Units Upon Completion -.........--............_.........._............. The primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Fxp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project ESG Program Administration Activity ESG Program Administration Description ESG program development, implementation,financial management, monitoring, review of sub-recipient reporting,plan preparation, noticing, training, IDIS reporting, and consultant services to update 5-year Consolidated Plan and Analysis of Impediments to fair housing. Objective category: ❑ Suitable Living Environment ❑ Decent Housing ❑ Economic Opportunity Outcome category: ❑ Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 300 North D Street (City, State, Zip Code): San Bernardino, CA 92418 Specific Objective Project ID Funding Sources: Number 35 CDBG . .----............._................... F ESG $7,91 j . ._.. . .... HUD Matrix Code CDBG Citation HOME ...........--............. ........._... General Program 570.206 HOPWA . .....--..........._-.................. ....-.. Administration Total Formula ......................................._-_._... Type of Recipient CDBG National Objective Prior Year Funds --'--_--.......---.....................- Local Government Assisted Housing -....-..............-......................_... Start Date mm/dd/ ..................--._.......................-- ( yyyy) Completion Date(mm/dd/yyyy) PHA -....-.. 07/01/2010 06/30/2011 Other Funding ....................--................ Performance Indicator Annual Units Total $71911 Local ID Units Upon Completion .............................._-............... The primary purpose of the project is to help: ❑the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Erp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Code Compliance Neighborhood Revitalization Activity Code Compliance Neighborhood Revitalization Description Code Compliance strives to improve the residential environment by demolishing the most blighted, substandard and hazardous buildings. The focal point will be on buildings that have been vacant for an extended period of time, have deteriorated and become a public nuisance and have lost their viability for reuse. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ❑ Availability/Accessibility ❑ Affordability ® Sustainability Location/Target Area: (Street Address): 300 North D Street (City,State,Zip Code): San Bernardino, CA 92418 Specific Objective Project ID Funding Sources: Number 36 CDBG $1_7_27_646_ H_4 ESG _....__-....---__..._.._.— HUD Matrix Code CDBG Citation HOME 15 Code Enforcement 570.202 c HOPWA Type of Recipient CDBG National Objective Total Formula _,,__-........._....................... Local Government LMH Prior Year Funds Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding __ _ Housing Units 5 000 64 Total $1,727,646 Local ID Units Upon Completion The primary purpose of the project is to help:❑the Homeless❑ Persons with Hl V/AIDS❑Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing pMe Approval No.2506-0117 and Urban Development (Exp.4/.10/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Neighborhood Housing Services of the Inland Empire Activity Homebuyer Education Description Some new homebuyers and existing owners are not properly informed of the responsibilities of homeownership and could greatly benefit from educational programs on credit, lending and home maintenance topics. The City contracts with Neighborhood Housing Services of the Inland Empire (NHSIE)to provide educational programs. Objective category: ❑ Suitable Living Environment ®Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1390 North D Street (City, State,Zip Code): San Bernardino, CA 92405 Specific Objective Project ID Funding Sources: Number 37 CDBG H-5 ESG HUD Matrix Code CDBG Citation HOME $480,000_-....-.-.__._. 13 Direct 570.201 (n) HOPWA Homeownership ---_---.._..- P Total Formula Assistance Prior Year Funds Type of Recipient CDBG National Objective Assisted Housing Sub-recipient, Private LMH PHA Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Other Funding 07/01/2010 06/30/2011 Total $480,000 Performance Indicator Annual Units 01 People General 300 .........._..... __._-...__..___.._... Local ID Units Upon Completion The primary purpose of the project is to help: ❑the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Erp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Inland Fair Housing and Mediation Board Activity Fair Housing/Landlord Tenant Program Description The City contracts with the Inland Fair Housing Mediation Board to provide education, dispute resolution,and legal advising services to San Bernardino owners,landlords,and tenants in conflict. Objective category: ❑ Suitable Living Environment ®Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability, Location/Target Area: (Street Address): 560 North Arrowhead Avenue, Suite 7A (City, State, Zip Code): San Bernardino,CA 92401 Specific Objective Project ID Funding Sources: Number 38 CDBG $53,000 H-12 ESG HUD Matrix Code CDBG Citation HOME 05J Fair Housing 570.201 e HOPWA Type of Recipient CDBG National Objective Total Formula Sub-recipient,Private LMA Prior Year Funds -.--_ _-_,-_----_-,_„_- Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing __------_------- 07/01/2010 06/30/2011 PHA Performance Indicator Annual Units Other Funding 01 People(General) 150 Total $53,000 Local ID Units Upon Completion The primary pui ose ofthe pmject is to help:❑the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506 4117 and Urban Development (Ezp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Central City Lutheran Mission Activity Winter Shelter Description The Mission operates an annual winter shelter for homeless men. It is currently the only place in the City of San Bernardino where homeless men are welcomed for the evening. Funds will be used for operations and maintenance. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1354 North "G" Street (City,State,Zip Code): San Bernardino,CA 92405 Specific Objective Project ID Funding Sources: Number 39 CDBG CD-1 ESG $15,823 HUD Matrix Code CDBG Citation HOME 3C Homeless Facilities 570.201 (c) HOPWA Type of Recipient CDBG National Objective Total Formula _ Sub-recipient, Private LMC Prior Year Funds - ~- Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) Assisted Housing 07/01/2010 PHA 06/30/2011 _._._..........____...-...-___-__ Performance Indicator Annual Units Other Funding 01 People General 100 Total -$15,823 Local ID Units Upon Completion The primary purpose of the project is to help: ®the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Foothill AIDS Project Activity Homeless Advocacy Program (HAP) Description Foothill AIDS Project's Homeless Advocacy Program (HAP) acts on behalf of clients and is responsible for maintaining correspondence and relationships with property owners to build a strong network of affordable housing options for individuals and families who are homeless and/or at risk of homelessness. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 364 Orange Show Lane (City,State,Zip Code): San Bernardino,CA 92408 Specific Objective Project ID Funding Sources: — — Number 40 CDBG CD-1 ESG $16,800 HUD Matrix Code CDBG Citation HOME 5 Public Service 570.201 (e) HOPWA (general) Total Formula _ Type of Recipient CDBG National Objective Prior Year Funds ._........-.-_...__.- Sub-recipient, Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA _ 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $16,800 01 People(General) 20 Local ID Units Upon Completion ----------------------------------------- The primary purpose of the project is to help:®the Homeless 0 Persons with HIV/AIDS❑ Persons with Disabilities❑ Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Rehabilitation/Renovation of Emergency Shelters Activity Rehabilitation/Renovation of Emergency Shelters Description This program will provide funding for some much needed rehabilitation of the City's emergency shelters. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): Citywide (City, State, Zip Code): San Bernardino,CA Specific Objective Project ID Funding Sources: .._......----------------------......... ..._ Number 41 CDBG CD-1 ESG $50,072 ._......._...................._._..............._.... HUD Matrix Code CDBG Citation HOME 3C Homeless Facilities 570.201 c) HOPWA Type of Recipient CDBG National Objective Total Formula ............._... . Local Government LMA Prior Year Funds ......................._...........I...._............ Start Date(mm/dd/yyyy) Completion Date (mrn/dd/yyyy) Assisted Housing ..........I...._...............---......- 07/01/2010 06/30/2011 PHA .............................._......_.............. ... .......---.........................-. Performance Indicator Annual Units Other Funding ........- Facilities 1 Total $50,072 Local ID Units Upon Completion The primary purpose of the project is to help:® the Homeless❑ Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing OMB Approval No.2506-0117 and Urban Development (rap.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Salvation Army Activity Hospitality House Description Hospitality House is an emergency shelter for homeless families and for mothers with children.During winter months,the shelter also accommodates homeless men. The facility has a total capacity of 70 beds and offers a 14-day emergency stay. Objective category: E Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: E Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 845 West Kingman Street (City,State, Zip Code): San Bernardino, CA 92410 Specific Objective Project ID Funding Sources: Number 42 CDBG CD-1 ESG $17,471 HUD Matrix Code CDBG Citation HOME 5 Public Service 570.201 (e) HOPWA (general) Total Formula Type of Recipient CDBG National Objective Prior Year Funds —.111 ........... Sub-recipient, Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA 07/01/2010 06/30/2011 Other Funding Performance Indicator Annual Units Total $17,471 01 People General 1,000 Local ID Units Upon Completion -................................................ The primary purpose of the project is to help:E the Homeless❑Persons with HIV/AIDS❑ Persons with Disabilities❑Public Housing Needs U.S.Department of Housing oma Approval No.2506-0117 and Urban Development (Exp.4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name City of San Bernardino Priority Need High Project Operation Grace Activity Homeless Prevention and Food Distribution Program Description Operation Grace provides transitional and emergency shelter,low-income housing, food distribution, referrals,and job training, and case management. The organization also provides counseling for clients recovering from drug addiction. Objective category: ® Suitable Living Environment ❑Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ❑ Affordability ❑ Sustainability Location/Target Area: (Street Address): 1595 East Art Townsend Drive (City, State,Zip Code): San Bernardino,CA 92408 Specific Objective Project ID Funding Sources: Number 43 CDBG _ CD-2 ESG HUD Matrix Code CDBG Citation HOME 5 Public Service 570.201 (e) HOPWA ........._........._........--- - (general) Total Formu -------................--.........-- la Type of Recipient CDBG National Objective Prior Year Funds Sub-recipient, Private LMC Assisted Housing Start Date(mm/dd/yyyy) Completion Date(mm/dd/yyyy) PHA .-............_ .--....... ....._..._ 07/01/2010 06/30/2011 --•--•-----_....._... Other Funding Performance Indicator Annual Units Total $7,500 01 People(General) 6 Local ID Units Upon Completion _..................................... The primary purpose of the project is to help:0 the Homeless❑Persons with HIV/AIDS❑Persons with Disabilities❑Public Housing Needs Appendix E: Proof of Publication SAN BERNARDINO COUNTY SUN Toss ewu%g Mp,wa 4030 N GEORGIA BLVD,SAN BERNARDINO,CA 92407 Telephone(909)899.9066 /Fax(909)M-1253 Lisa Connor/ShereeMeier ECONOMIC DEVELOPMENT AGENCY-Cl SBS#:1773673 201 NORTH E ST#301 CITYOF SAN BERNARDINO SAN BERNARDINO, CA - 92401 HOUSING,COM/ UNITY NEEDS, and Fair Hous ng Workshop Thursday January 21,2010 6:50 p.m. The City of San Bernardino Invile9 Your participation In a workshop to discusssg communitY development, PROOF OF PUBLICATION ThesCliv of son Bernardino receives nearly$5.5 million annually from the federal government for housing, (2015.5 C.C.P.) commentfry, development, and Infrostrutlure protects. We need your Input to help determine housing and State of California ) community needs in yvour community County of SAN BERNARDINO )ss for future funding. In addition, we invite you to discuss any fair housing concerns you may have.Fair Housing Notice Type: GPNSS-GOVERNMENT PUBLIC NOTICE-SO means equal access to housing reaortlless of race, color, national origin, ancestry, religion, sex, disability, familial status, morhol Ad Description:5 year Implementation Plan Meeting status, source of income, or sexual orientation.hop will be held as port of the Community Development Citizens Advisory Committee meettng held at: CITY of Son Bernardino Economic Development Agency i am a citizen of the United Stales and a resident of the Stale of California;1 am 201 North E St. over the age of eighteen years,and not a party to or Interested In the above EDA Board Room(Third Floor) entitled matter.I am the principal clerk of the rimer and publisher of the SAN -it You require special arrangements, p p please contact BERNARDINO COUNTY SUN,a newspaper published In the English language the Economic Development Agency at In the city of SAN BERNARDINO,county of SAN BERNARDINO,and adjudged (9 jj 663-7044 a newspaper of general circulation as defined by the laws of the State of SSS-1773673# California by the Superior Court of the County of SAN BERNARDINO,State of California,under date 06/20/1952,Case No.73084. That the notice,of which the annexed is a printed copy,has boon published In each regular and anti re Issue of said newspaper and not In any supplement Ihereof on the following dates,to-Wit: 01/1112010,01118/2010 Exerted on:01/1812010 At Los Angeles,California I deftly (or declare) under penalty of perjury that the foregoing is true and correct. fillers Signature N II I I III III III (III (III III INI I II III I VIII III * A 0 0 0 0 0 1 5 1 1 3 7 8 Proof of Publication (201.15.5 C.C.P.)q STATE OF CALIFORNIA. SS County of San Bernardino., � 1 declare under penalty of perjury that: I am a citizen of the United States and a resident of the County aforesaid:I am over the age of eighteen years,and not a party to nor interested in the above entitled matter. I am the principal clerk of the printer of the El Chicano Community Newspaper,a newspaper printed and published weekly in the City of San Bernardino,County of San Bernardino and rvhich newspaper has petitioned the Superior Court of said county for determination as a newspaper of general circulation being use no.154019,dated May,t,1972,that the Notice of Apppplication for Determination as a Newspaper of General - Circulation and Petition for Determination as a Newspaper of General Circulation, of which the annexed is a rimed P newspaper her been published N each regular and entire issue of said newspaper and not in any supplement thereof no the following dates,Wwit: January 14,21,2010 - City of San Bemardino I certify under penalty of perjury that the foregoing is true and Housing, Community Needs, and Fair Housing Workshop correct Thursday.Iaruary 21,2010 Dated:January 21,2010 6:30 p.m. The City of San Bernardino invites your participation in a QJ� work- shop to discuss co mmnity development,housing,&:f air housing I Signature Issues . . The City of San Bernardino receives nearly$5.5.million annually from the federal government for housing, community development, and infrastructure projects.We need)your Input.to help determine housing and community needs In your community for future funding.In addition, we Invite you to discuss any fair hoisiag concern$you may have.fair I Housing means equal access to housing regardless of race, color, national odgin,ancestry, religion,sax;'disability, familial status,marital status,source of Income, or sexual orientation. This workshop will be held as pair of the Community Development Citizens Advisory Committee meeting hold at: City of San Bernardino Economic Development Agency 201 North E St. ' EDA Board Room(Third Floor) 9f you require special arrangements,please contact the Emnomic Development Agency fit(909)663.1044 El Chicano Newspaper P.O.Box 6247 San Bernardino,California 92412-6247 Phone(909)381-9898 • 384-0406 FAX i SAN BERNARDINO COUNTY SUN Tusspace rx N%vamp eror 4030 N GEORGIA BLVD,SAN BERNARDINO,CA 92407 Telephone(909)SN-9856 I Fax(909)885.1253 Lisa Connor ECONOMIC DEVELOPMENT AGENCY-CI SBS#:1783525 201 NORTH E ST #301 PUBLIC NOTICE SAN BERNARDINO, CA - 92401 CITY OF AND 2010.2011 ANNUAL PLAN OF ENTITLEMENT FUNDS COMMUNITY DEVELOPMENT BLOCK GRANT HOME INVESTMENT PARTNERSHIPS PROOF OF PUBLICATION GRANT EMERGENCY SHELTER PROGRAMS Notice Is hereby given that the Community Development Citizens (2015.5 C.C.P.) Advisory Committee ("CDCAC") will conduct a Public Hearing to interview applicants, deliberate amt determine Sate of California ) funding recommendations for the County of SAN BERNARDINO )ss Mayor and Common Council of the City of San Bernardino for the 2010- 2011 Community Development Block Nonce Type: GPNSB-GOVERNMENT PUBLIC NOTICE-SB Grant portion of the Annual Plan. The Heedful will be held at 8:30 a.m., on February 8, 2010 at the Economic Development Agency located of 201 Ad Desmpaom CDBG Hearings North'E'Street,Suite 301 In the City of San Bernardino. The CDCAC will also discuss and receive comment(s) on the proposed 2010-2011 Annual Action Plan. Any Interested citizen wishing to comment on the Hearing or the I am a citizen of the United Steles and a resident of the State of California;I am ;reparation of the Draft Consolidated over the aye of eighteen years,and not a party to or Interested In the above n o D o t e r than 3 W ton Fcbrmmrets bruary 5, englled matter.I am the principal cork of the printer and publisher of the SAN 2010. BERNARDINO COUNTY SUN,a newspaper published in the English language 125/10 in the city of SAN BERNARDINO,county of SAN BERNARDINO,and adjudged SBS•17BOS2bt a newspaper of general circulation as defined by the laws of Ste State of Callfomla by the Superior Court of the County of SAN BERNARDINO,State of California,under date 061=1952,Case No.73084. That the notice,of which the annexed is a printed copy,has been published In each regular end entire issue of said newspaper and not in any supplement thereof an the following dates,to-wit: Executed on:0125/2010 At Los Angeles,California I certify (or declare) under penalty of perjury that the foregoing IS true and correct. �le(crc 'yofuf V��� Signature III IIIiIIIII IIIIIIililllll lllllllll IIIII II (IIIIII * A 0 0 0 0 0 1 5 2 0 5 6 4 SAN BERNARDINO COUNTY SUN 7a"w�.w�rrea�rowr 4030 N GEORGIA BLVD,SAN BERNARDINO,CA 92407 Telephone(909)889.9888 1 Fax(909)6851253 Lisa connor/Sheree Meier ECONOMIC DEVELOPMENT AGENCY-CI SI1S#:1807761 201 NORTH E ST #301 PUBLIC NOTICE CITYOF SAN BERNARDINO SAN BERNARDINO, CA- 92401 2010-2015 CONSOLIDATED PLAN ENTITLEMENANNUAL NDS N OF COMMUNITY DEVELOPMENT BLOCK GRANT HOME INVESTMENT PARTNERSHIPS AND EMERGENCY SHELTER PROOF OF PUBLICATION GRANT 9R GRAM 9lven that the Community Development Citizens (2015.5 C.C.P,) Advisory Committee will conduct a Public Hearing to review the proposed draft Consolidated Plan for the Mayor Settle of Caef"It, ) and Common Council of the City of Son Coumy of SAN BERNARDINO )ss The Hearing will be held at 6:00 P.m., on March 25, 2010 at the ECWOMIC Nodce7ype: GPNSB-GOVERNMENT PUBLIC NOTICE-SB Development Agency Suite located at 201 North Develop Street Suite 301 in the at City Of San Bernardino. Any interested citizen wishing to Ad Description:2010-2015 Cansdideted Plan comment on the Hearing Draft W Consolidated Plan may do so by written comments no later than 3:00 NOTICE March ven this 3 day of March 2010. I am a citizen of the United States and a resident of the Slate of CalNOmie;I am "AD $88.18077610 over the age of eighteen years,and not a parry to or interested in the above entitled matter-I am the principal Berk of the printer and publisher of the SAN BERNARDINO COUNTY SUN,a newspaper published In the English language In the city of SAN BERNARDINO,county of SAN BERNARDINO,and adjudged a newspaper of general dreulailon as defined by the laws of the State of California by the Superior Court of the Ceunty of SAN BERNARDINO,State of California,under date 0812011952,Case No,73084. That the notice,of which the annexed is a printed copy,has bean published in each regular and Online issue of said newspaper and not in any supplement thereof on the following dates,to-wit: 03!09/2010 Executed on:03/09/2010 At Los Angeles,California I certify(M declare) under penalty of pedury that the foregoing Is bue and correct. Signore III iIIIII II II IIII IIIIIIIII IVIIIIIIIVIII * A 0 0 0 0 0 1 5 8 1 7 8 6 CALIFORNIA NEWSPAPER SERVICE BUREAU DAILY JOURNAL CORPORATION Mailing Address:915 E FIRST ST,LOS ANGELES,CA 90012 Telephone(213)229-5300/Fax(213)229-5491 Visit us @ W W W.DAILYJOURNAL.COM Lisa Connor ECONOMIC DEVELOPMENT AGENCY-CITY 201 NORTH E ST#301 sesa iaz3PU PUBLIC NOTICE SAN BERNARDINO, CA 92401 CITY OF SAN BERNARDINO 2010-2015 CONSOLIDATED PLAN AND 2010-2011 ANNUAL PLAN OF ENTITLEMENT FUNDS 2010-2015 COPY OF NOTICE ANALYSIS IHOUSINGPE CIHOICES TO COMMUNITY DEVELOPMENT BLOCK GRANT, HOME INVESTMENT PARTNERSHIPS AND EMERGENCY SHELTER GRANT PROGRAMS CITY OF SAN Notice Type: GPNSB GOVERNMENT PUBLIC NOTICE-SO DEVELOPMENT AGENCY ECONOMIC Ad Description Con Plan NOTICE IS HEREBY GIVEN that the Mayor and Common Council will hold. Public Hearing on Monday, May 3, 2010 at 4:30 P.m., or shortly To the right is a co of the notice you sent to us for publication in the SAN thereafter, in the City Council PY Y P Chamber, to receive oral and written BERNARDINO COUNTY SUN.Please read this notice carefully and call us comments on the draft 2010-2015 Five with any corrections.The Proof of Publication will be filed with the County Year Consolidated Plan, the 2010.2011 Clerk,if required,and mailed to you after the last date below.Publication Annual Consolidated Plan, and Q Y Analysis of Impediments to Fair date(s)for this notice is(are): Housing Choice. CONSOLIDATED PLAN SUMMARY The Consolidated Plan is a comprehensive five-year strategy that addresses the use of local funds, federal grant entitlement funds (such 03/30/2010,04/18/2010 as Community Development Block Grant (CDBG) Program, HOME investment Partnership Act Program (HOME), and Emergency Shelter Grant (ESG) Program) for the Purpose of meeting the goals of The charge(s)for this order is as follows. An invoice will be sent after the last providing decent housing, a suitable date of publication. If you prepaid this order in full,you will not receive an invoice. living environment, and expanded economic O a , Principally Publication $1755.60 for low-and moderate-income Perso ns. The Consolidated Plan is composed of Total $1755.60 three parts: 1) The first section of the Consolitlated Plan evaluates the Housing and Community Development Needs and includes an assessment of housing needs for very low, and law- and moderate-Income, including the needs of the homeless population. In addition, a housing market analysis was completed that includes a review California Newspaper Service Bureau/Daily Journal Corporation of housing conditions.2) Based on this information,a five-year strategic plan Serving your legal advertising needs throughout California. was developed which includes Priorities for assisting categories of residents by income level, objective LOS ANGELES (213)229-5300 statements, proposed Programs, as well as expected accomplishments OAKLAND (510)2724747 within the next five years. 3) An Annual Action Plan was developed (951)789-0111 RIVERSIDE that Provides a one-year investment SACRAMENTO (916)444-2355 plan and outlines intended use of resources,sets goals for the number of SAN DIEGO (619)232-3486 individuals and families to be assisted SAN FRANCISCO (800)6404829 by income be undertaken.and At scribes SAN JOSE (408)287.4866 Percent of the total funds received SANTA ANA (714)543-2027 each year are allocated to activities SANTA ROSA (707)545-1166 bersonsng low- and moderate-Income 1111 IPI 11111111111111111111111111111111111111111111111111 * A 0 0 0 0 0 1 6 0 5 3 8 1 * ANNUAL ACTION PLAN - The proiect allocations will be adiusted $12,500; 6) Servant's Heart Outreach Annual Action Plan combines the accordingly. (FY08-09), $10,250; 7) Westslde annual application and reporting for It is estimated that the City will Brighter Vision (FY08-09), $179.62; 8) three federal grant programs; CDBG; receive $3,602,903 in CDBG funds, Youth Hope (FY08-09), $310.72. Total HOME, ESG, Section 106 Loan $1,709,310 in HOME funds, $155,989 in reallocation of funds: $431,463.60. The Guarantee, Float Loans and other ESG funds for FY 2010-2011. Proposed $431,463.60 In reallocatedCDBG funds grants. Per the C)tYS Citizen protects for each funding source, are Proposed to be allocated as Participation Plan component of the effective July 1, 2010, are outlined follows: 1) Code Enforcement Consolidated Plan, the Community below: Demolition (FY70-11), $200,000.00; 2) Development Citizen Advisory I. Co :yfiliv Development Block Target Area Street Improvements Committee(CDCAC) met on February Grant (FY70-11),$231,463.60. 8, 2010 to consider Proiects and 1T�Sf Shifa Clinic, Inc., $15,000; 2) IV, HOME Investment Partnership activities for use of federal funds.The Asian American Resource Center, Act ran Bomm n a ons CDCAC's recommendations to the $15,000; 3) Assistance League of San in Mayor and Common Council are Bernardino, $12,000; 4) BOYS & Girls e 0 owing are the pYapOSetl incorporated Into the draft Annual Club of Redlands, $5,000; 5) Boys & allocations from the $1,709,310 in Action Plan and will be considered by Girls Club of San Bernardino,$15,000; federal HOME Investment the Mayor and Common Council at the 6) Central City Lutheran Mission, Partnership Act: 1) HOME public hearing for the Annual Action $12,000; 7) Child Advocates of SB Administration (10%), $170,931; 2) Plan. County, $12,000; 8) Children's Fund, HOME to Qualified Community ANALYSIS OF IMPEDIMENTS TO Inc., $12,000; 9) Frazee Community Housing Dev Org. (15%), $256,396; 3) FAIR HOUSING (AI) - The City has Center, $12,000; 10) Gang Reduction Homebuyer Assistance Program and undertaken an analysis of potential Intervention Team, $15,000; 11) Educati0n, $480,000; 4) CHDO impediments that may affect fair Highland District Council,$15,000; 12) Operations and Capacity Building housing choice in the city based on Home of Neighborly Service, $15,000; (5%), $85,465; Other Housing race, color, ancestry, national origin, 13) Inland AIDS Protect, $10,000; 14) Programs/Activities,$716,518. religion, sex, disability, familial Knotts Family and Parenting Inst., V. Emergency Shelter Grant CESG) status, marital status, source of $12,000; 15) Legal Aid of San Recommen a ons income, sexual orientation, or any Bernardino, $12000; 16) Lorines The-folfowing are the Proposed arbitrary factor. The At reviews and Learning Academy, $10,000; 17) allocation from the $155,989 1n analyzes the following information and Mary's Mercy Center, $15,000; 18) Emergency Shelter Grant funds: 1) issues/concerns: Analysis of the city's Option House, Inc.,$15,000; 19) Project Central City Lutheran Mission demographic Profile, Income Life Impact, Inc., $10,000; 20) San (Operations/Mointenance), $15,598; 2) distribution, housing stock Bernardino Medical Center, $10,000; Foothill AIDS Proiect (Homeless characteristics, and access to Public 21) San Bernardino National Forest Prevention, $16,800; 3) Frazee transportation to determine the Assoc, $15,000; 22) San Bernardino Homeless Shelter (Homeless development of housing Patterns in Sexual Assault Services, $12,000; 23) Prevention),$12,660; 4) Mary's Mercy relation to race,ethnicity,income,and Santa Claus, Inc.,$10,000; 24) Sinfonia Center (Essential Services), $10,000; other characteristics; Evaluation of Mexicana, $10,000; 25) St. Johns 5) Operation Grace (Homeless fair housing complaints and violations Community Success Center, $12,000; Prevention), $7,500; 6) Option House. to Identify trends and patterns; 26) Time for Change Foundation, Incorporated (Essential Services), Analysis of public and private $15,000; 27) YMCA of San Bernardino, $10,000; 7) Salvation Army (Essential activities that may impede fair $12,000; 28) Youth Action Proiect, Services), 16,796; 8) Time for Change housing choice in the City including, $15,000;Sub-Total$350,000. (Essential Services), $10,000; 9) ESG but not limited to: Housing brokerage II. General Prop sed Protects- Administration, 47,800; 10) services and financing assistance; Clffyy�� ecommen a ons KenovottoNRehabilitation,$48,835. Public policies and actions affecting T!-Cny�ooe Entorcemen , 1,542,646; PAST USE OF FUNDS - Information the construction of affordable housing; 2) City Fire Department Leases, on the City's Past use of CDBG. and Administrative policies $375,698; 3) National Development HOME, and ESG funds may be found concerning community development Corporation, $50,000; 4) Fair Housing at the City of San Bernardino, and housing activities; Assessment of (Mandatory), $53,000; 5) Section 108, Economic Development Agency current public and privatefair housing $410,000; 6) Target Area Street Office. Programs and activities; Provision of Improvements, $421,559; 7) Other DISPLACEMENT OF LOW- TO conclusions and recommendations to Public Services, $137,000; CDBG MODERATE-INCOME furtherfair housing choice in the City. Administration, $210,000; 8) HOUSEHOLDS - If displacement THE ANNUAL ACTION PLAN Unprogrammed CDBG$53,000. occurs, the City or Agency will CONTAINS THE FOLLOWING II I.rPrWI,n nI gof CDBG FUntls implement and comply with policies PROPOSED PROJECTS: Fun s ore propose o e and Procedures consistent with State The estimated federal fund allocations reprogrammed from projects and Federal relocation and acquisition stated below are estimates and based completed under budget and/or statues. upon the amount the City received last cancelled activities or Protects from PLAN AVAILABILITY - The draft Year. For this year's application the following Proiects: 1) East King St Five Year Consolidated Plan, Annual Purposes only and depending on the Improvements (FY05-06), $200,000.00; Action Plan and At will be available 2010.2011 HUD allocation of funds, 2) YWCA Install Security Fence for public review and comment from these estimates of the federal (FY05-06), $49,723.26; 3) Operation March 30, 2010 through April 30, 2010, allocation may be reduced or Phoenix Expansion (FY07-08), in the following locations: increased depending on HUD's final $146,000.00; 4) Miracles in Recovery Feldheym 61brary: approved budget. As a result, all (FY08-09), $12,500; 5) Provisional 555West6 Street Educational Services (FY08-09), City of San Bernardino,City Clserk's Office:300 North"D"Street,2" Floor Economic Development Agency:201 North"E"Street,Suite 301 In compliance with the American with Disabilities Act, if You require special assistance to participate in this meeting, please call (909) 663-1044, 48 hours prior to the meeting to ensure that accommodations can be made. This notice is prepared in compliance with the Citizen Participation Plan and 24 CFR 91-105 and 570 and 570.302 CDBG Implementing Regulations. Oral and written comments may be directed and Provided not later than 3:00 P.m., Thursday, April 30, 201010 the City of Son Bernardino, Economic Development Agency, 201 North 'E' Street, Suite 301, San Bernardino, California 92401, (909) 663-1044,or oral comments may also be made at the Public hearing on Monday,May 3,2010 at 4:30 P.M. NOTICE given this 24"day of March 2010. 3/'30,41131)0 SBS-1323030# a i i i a s ,' r a City of San Bernardino Economic Development Agency 201 North E Street, Suite 301 San Bernardino, CA 92401 [ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE ' This page left intentionally blank. City of San Bernardino 2010-2015 Analysis of Impediments to Fair Housing Choice March 2010 City of San Bernardino Economic Development Agency 201 North E Street, Suite 301 San Bernardino, CA 92401 (P) (909) 663-1044 (F) (909) 888-9413 This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice Signature Page I, , hereby certify that this San Bernardino Regional Analysis of Impediments to Fair Housing Choice represents 's conclusions about impediments to fair housing choice, as well as actions necessary to address any identified impediments. Name Date Title This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice Table of Contents Chapter1: Introduction ....................................................................................... 1 A. Purpose of the Report..................................................................................... 1 B. Legal Framework ........................................................................................... 2 C. Fair Housing Defined ......................................................................................4 D. Impediments Defined......................................................................................4 E. Scope of Analysis.......................................................................................... 5 F. Lead Agency and Funding Sources................................................................... 5 G. Data and Methodology ................................................................................... 5 H. Organization of the Report .............................................................................. 6 I. Public Participation......................................................................................... 7 Chapter2: Community Profile ............................................................................ 15 A. Demographic Profile ..................................................................................... 15 B. Income Profile ............................................................................................. 21 C. Household Profile......................................................................................... 24 D. Special Needs Populations ............................................................................ 25 E. Housing Profile ............................................................................................ 32 F. Housing Costs and Affordability..................................................................... 36 G. Public and Assisted Housing Profile................................................................ 40 H. Community Facilities .................................................................................... 43 I. Licensed Community Care Facilities................................................................44 J. Public Transportation.................................................................................... 47 Chapter 3: Lending Practices.............................................................................. 51 A. Background................................................................................................. 51 B. Conventional Home Loans............................................................................. 52 C. Government-Backed Home Loans................................................................... 59 D. Major Lenders Serving San Bernardino............................................................ 60 E. Lending by Census Tract and Tract Characteristics........................................... 63 F. Sub-Prime Lending ....................................................................................... 64 G. Purchased Loans.......................................................................................... 66 H. Predatory Lending........................................................................................ 67 I. Refinancing.................................................................................................. 69 J. Foreclosures................................................................................................ 70 Chapter 4: Public Policies................................................................................... 73 A. Policies and Programs Affecting Housing Development..................................... 73 B. Variety of Housing Opportunities ................................................................... 78 C. Building, Occupancy, Health and Safety Codes................................................ 84 D. Affordable Housing Development................................................................... 85 E. Policies Causing Displacement or Affect Housing Choice of Minorities and Persons with Disabilities........................................................................................... 89 F. Equal Provision of and Access to Public Services ............................................. 91 G. Access to Transit......................................................................................... 91 H. ADA Compliant Public Facilities (Section 504 Assessment) ............................... 92 Table of Contents City of San Bernardino Analysis of Impediments to Fair Housing Choice I. Local Housing Authority ............................................................................... 92 J. Community Participation............................................................................... 93 K. Housing and Community Development Policies and Programs............................ 96 L. Administrative Policies................................................................................ 101 Chapter 5: Fair Housing Practices ..................................................................... 103 A. Fair Housing Practices in the Homeownership Market..................................... 103 B. National Association of Realtors® (NAR)........................................................ 108 C. California Department of Real Estate (DRE) ................................................... 109 D. California Association of Realtors® (CAR)...................................................... 109 E. Local Realtor® Associations......................................................................... 110 F. Fair Housing Practices in the Rental Housing Market....................................... 110 G. Fair Housing Services................................................................................. 114 H. Fair Housing Statistics................................................................................ 116 I. Testing..................................................................................................... 119 J. Hate Crimes.............................................................................................. 119 K. NIMBYism ................................................................................................ 120 Chapter 6: Progress Since 2006....................................................................... 123 A. Expanding Affordable Housing Opportunities................................................. 123 B. Rehabilitation Assistance ............................................................................ 124 { C. Public Policies and Programs Affecting Housing Development.......................... 125 D. Access to Financing................................................................................... 126 E. Fair Housing Services and Outreach ............................................................. 126 Chapter 7: Impediments and Recommendations.................................................. 129 A. Continued Impediments and Recommendations.............................................. 129 B. Updated or New Impediments and Recommendations..................................... 130 Appendix A: Public Outreach Appendix B: HMDA by Census Tract Appendix C: County HMDA Tables Table of Contents City of San Bernardino Analysis of Impediments to Fair Housing Choice List of Tables Table 1: Community Development Needs Survey Results....................................... 13 Table 2: Documented and Projected Population Growth ......................................... 16 Table 3: Persons by Age San Bernardino - 2000 and 2008..................................... 17 Table 4: San Bernardino Race or Ethnicity - 2000 and 2008................................... 18 Table 5: Race and Ethnicity by Person and Household - 2008................................. 18 Table 6: Racial Integration 2000......................................................................... 19 Table 7: HUD Income Definitions ........................................................................ 21 Table 8: Household Income by Race/Ethnicity - 2000 ............................................ 22 Table 9: 2008 Annual Average Unemployment Rate.............................................. 22 Table 10: San Bernardino City/County Household Type and Size - 2008 .................. 24 Table 11: Elderly Profile..................................................................................... 25 Table 12: Low Income Senior Housing in the City of San Bernardino ....................... 26 Table 13: Disability Types found in Adult Civilian Population (Aged 18+) - 2008...... 27 Table 14: Large Household Profile....................................................................... 29 Table15: Homeless Partnerships ........................................................................ 31 Table 16: Housing Growth - 2000-2009.............................................................. 32 Table 17: Housing Type - 2009.......................................................................... 33 Table 18: Housing Tenure - 2008 ....................................................................... 33 Table 19: Age of Housing Stock - 2008 .............................................................. 34 Table 20: Housing Stock Deficiencies - 2008 ....................................................... 34 Table 21 : Number of Units with LBP Occupied by Low/Moderate Income Households 36 Table 22: Median Home Prices 2009................................................................... 36 Table 23: San Bernardino County Housing Affordability......................................... 38 Table 24: Housing Cost by Tenure - 2000 ........................................................... 38 Table 25: San Bernardino City/County Overcrowding - 2008.................................. 39 Table 26: San Bernardino Overcrowding by Tenure Type - 2008............................. 39 Table 27: Public Housing Resident Demographics ................................................. 41 Table 28: Demographics of Housing Choice Voucher Participants and Waiting List.... 42 Table 29: Federally Assisted Multi-Family Housing ................................................ 43 Table 30: Licensed Community Care Facilities 2009.............................................. 44 Table 31 : Omnitrans Fixed-Route Lines................................................................48 Table 32: Major Employers in San Bernardino 2008 ..............................................49 Table 33: Disposition of Conventional Home Purchase Loan Applications by Race of Applicant - 2003 .............................................................................................. 53 Table 34: Disposition of Conventional Home Purchase Loan Applications by Race of Applicant - 2008 .............................................................................................. 54 Table 35: Disposition of Conventional Home Purchase Loan Applications by Income of Applicant - 2003 .............................................................................................. 55 Table 36: Disposition of Conventional Home Purchase Loan Applications by Income of Applicant - 2008 .............................................................................................. 55 Table 37: Percent of Conventional Home Purchase Loans by Race vs. City Population byRace........................................................................................................... 56 Table 38: Approval Rates of Conventional Home Purchase Loan Applications by Race and Income of Applicant — 2003 ........................................................................ 57 Table 39: Approval Rates of Conventional Home Purchase Loan Applications by Race and Income of Applicant - 2008 ......................................................................... 58 Table of Contents iii City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 40: Disposition of Conventional Home Improvement Loan Applications by Race of Applicant - 2003 .............................................................................................. 58 Table 41: Disposition of Conventional Home Improvement Loan Applications by Race of Applicant - 2008 .............................................................................................. 59 Table 42: Comparison of Government Backed Loans - 2003 and 2008.................... 60 Table 43: Disposition of Conventional Home Mortgage Loan Applications by Lending Institutions - 2003............................................................................................ 61 Table 44: Disposition of Conventional Home Mortgage Loan Applications by Lending Institutions - 2008............................................................................................ 62 Table 45: Lender Ratings................................................................................... 63 Table 46: Approval and Denial Rates by Income Level ........................................... 64 Table 47: Approval and Denial Rates by Race/Ethnicity.......................................... 64 Table 48: Percent of Loans Purchased by Type of Loan and Race of Applicant - 200867 Table 49: Disposition of Conventional Mortgage Refinancing Applications - 2003 ..... 69 Table 50: Disposition of Conventional Mortgage Refinancing Applications - 2008 ..... 70 Table 51: Foreclosure - February 2010................................................................ 71 Table 52: Residential Land Use Designations and Zoning Districts........................... 74 Table 53: Parking Requirements ......................................................................... 77 Table 54: Housing Types by Residential Zones ..................................................... 78 Table 55: Community Care Facilities in San Bernardino.......................................... 81 Table 56: Typical Development Fees................................................................... 86 Table 57: Park Acreage in Low and Moderate Income Areas .................................. 91 Table 58: Park Acreage in Minority Areas ............................................................ 91 Table 59: Basis of Discrimination Complaints - FY 2006-2010 (Present) ................ 117 Table 60: Landlord/Tenant Complaints - FY 2006-2010 (Present) ......................... 118 Table 61: Basis of Discrimination of Cases filed with HUD - 2004-2009 ................ 118 Table 62: Closing Categories for Fair Housing Cases Filed with HUD (2004-2009) .. 119 Table63: Hate Crimes - 2008.......................................................................... 120 List of Figures Figure 1: Discrimination Basis............................................................................. 11 Figure2: Hate Crime Basis................................................................................. 12 Figure 3: Documented and Projected Population Growth - 1980-2035..................... 16 Figure4: Minority Concentration......................................................................... 20 Figure 5: Low and Moderate Income Areas .......................................................... 23 Figure 6: Licensed Residential Care Facilities and Affordable Housing ...................... 46 Figure 7: Major Employers and Transportation Routes............................................ 50 Table of Contents iv City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 1 Introduction The City of San Bernardino, the most populous city in San Bernardino County, is home to over 200,000 residents and a diverse demographic. The City is located in the Inland Empire Metropolitan Area of Southern California, which stretches from Los Angeles County to parts of San Bernardino County and Riverside County. Diversity among its residents, in terms of cultural backgrounds and socioeconomic characteristics, makes San Bernardino a highly interesting and desirable area to live. To continue nurturing this diversity, civic leaders must ensure that an environment exists where equal access to housing opportunities is treated as a fundamental right. A. Purpose of the Report Equal access to housing is fundamental to each person in meeting essential needs and pursuing personal, educational, employment, or other goals. In recognition of equal housing access as a fundamental right, the federal government and the State of California have both established fair housing choice as a right protected by law. Through the federally funded Community Development Block Grant (CDBG) and HOME Investment Partnerships (HOME) programs, among other state and local programs, the City of San Bernardino works to provide a decent living environment for all. Pursuant to CDBG regulations [24 CFR Subtitle A §91.225(a)(1)], to receive CDBG funds, each jurisdiction must certify that it "actively furthers fair housing choice" through the following: • Completion of an Analysis of Impediments to Fair Housing Choice (AI) • Actions to eliminate identified impediments; and • Maintenance of fair housing records. This report, the Analysis of Impediments to Fair Housing Choice (commonly known as the "Al"), presents a demographic profile of San Bernardino, assesses the extent of housing needs of its residents, and evaluates the availability of a range of housing choices for all. This report also analyzes the conditions in the private market and public sector that may limit the range of housing choices or impede a person's access to housing. As the name of the report suggests the document reviews "impediments" to fair housing. While this report also assesses the nature and extent of housing discrimination, the focus is on identifying impediments that may prevent equal housing access and developing solutions to mitigate or remove such impediments. Chapter 1 : Introduction 1 _City of San Bernardino Analysis of Impediments to Fair Housing Choice B. Legal Framework Fair housing is a right protected by both federal and State of California laws. Among these laws, virtually every housing unit in California is subject to fair housing practices. 1. Federal Laws The federal Fair Housing Act of 1968 and Fair Housing Amendments Act of 1988 (42 U.S. Code §§ 3601-3619, 3631) are federal fair housing laws that prohibit discrimination in all aspects of housing, including the sale, rental, lease or negotiation for real property. The Fair Housing Act prohibits discrimination based on race, color, religion, sex, familial status, or national origin. In 1988, the Fair Housing Act was amended to extend protection to familial status and people with disabilities (mental or physical). Specifically, it is unlawful to: • Refuse to sell or rent after the making of a bona fide offer, or to refuse to negotiate for the sale or rental of, or otherwise make unavailable or deny, a dwelling to any person because of race, color, religion, sex, familial status, or national origin. • Discriminate against any person in the terms, conditions, or privileges of sale or rental of a dwelling, or in the provision of services or facilities in connection therewith, because of race, color, religion, sex, familial status, or national origin. • Make, print, or publish, or cause to be made, printed, or published any notice, statement, or advertisement, with respect to the sale or rental of a dwelling that indicates any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation, or discrimination. • Represent to any person because of race, color, religion, sex, handicap, familial status, or national origin that any dwelling is not available for inspection, sale, or rental when such dwelling is in fact so available. • For profit, induce or attempt to induce any person to sell or rent any dwelling by representations regarding the entry or prospective entry into the neighborhood of a person or persons of a particular race, color, religion, sex, handicap, familial status, or national origin. Reasonable Accommodations and Accessibility: The Fair Housing Amendments Act requires owners of housing facilities to make "reasonable accommodations" (i.e., exceptions) in their rules, policies, and operations to give people with disabilities equal housing opportunities. For example, a landlord with a "no pets" policy may be required to grant an exception to this rule and allow an individual who is blind to keep a guide dog in the residence. The Fair Housing Act also requires landlords to allow tenants with disabilities to make reasonable access-related modifications to their private living space, as well as to common use spaces, at the tenant's own expense. Finally, the Chapter 1 : Introduction 2 j City of San Bernardino Analysis of Impediments to Fair Housing Choice Act requires that a portion of new multi-family housing developments with four or more units be designed and built to allow access for persons with disabilities. This includes accessible common use areas, doors that are wide enough for wheelchairs, kitchens and bathrooms that allow a person using a wheelchair to maneuver, and other adaptable features within the units. 2. California Laws The State Department of Fair Employment and Housing (DFEH) enforces California laws that provide protection and monetary relief to victims of unlawful housing practices. The Fair Employment and Housing Act (FEHA) (Gov. Code §§12955 at seq.) prohibits discrimination and harassment in housing practices, including: • Advertising • Application and selection process • Unlawful evictions • Terms and conditions of tenancy • Privileges of occupancy • Mortgage loans and insurance • Public and private land use practices (zoning) • Unlawful restrictive covenants The following categories are protected by FEHA: • Race or color • Ancestry or national origin • Sex • Marital status • Source of income • Sexual Orientation • Familial status (households with children under 18 years of age) • Religion • Mental/Physical Disability • Medical Condition • Age In addition, the FEHA contains similar reasonable accommodations and accessibility provisions as the Federal Fair Housing Amendments Act. The Unruh Civil Rights Act provides protection from discrimination by all business establishments in California, including housing and accommodations, because of age, ancestry, color, disability, national origin, race, religion, sex, and sexual orientation. While the Unruh Civil Rights Act specifically lists "sex, race, color, religion, ancestry, national origin, disability, or medical condition" as protected classes, the California Supreme Court has held that protections under the Unruh Act are not necessarily restricted to these characteristics. Chapter 1 : Introduction 3 City of San Bernardino Analysis of Impediments to Fair Housing Choice Furthermore, the Ralph Civil Rights Act forbids acts of violence or threats of violence because of a person's race, color, religion, ancestry, national origin, age, disability, sex, sexual orientation, political affiliation, or position in a labor dispute (California Civil Code section 51.7). Hate violence can be: verbal or written threats; physical assault or attempted assault; and graffiti, vandalism, or property damage. The Bane Civil Rights Act (California Civil Code Section 52.1) provides another layer of protection for fair housing choice by protecting all people in California from interference by force or threat of force with an individual's constitutional or statutory rights, including a right to equal access to housing. The Bane Act also includes criminal penalties for hate crimes; however, convictions under the Act are not allowed for speech alone unless that speech itself threatened violence. In addition to these acts, Government Code Sections 111135, 65008, and 65580- 65589.8 prohibit discrimination in programs funded by the State and in any land use decisions. Specifically, recent changes to Sections 65580-65589.8 (Housing Element law) require local jurisdictions to address the provision of housing options for special needs groups, including: • Housing for persons with disabilities (SB 520) • Housing for homeless persons, including emergency shelters, transitional housing, supportive housing (SB 2) • Housing for extremely low income households, including single-room occupancy units (AB 2634) C. Fair Housing Defined In light of the various pieces of fair housing legislation passed at the federal and state levels, fair housing throughout this report is defined as follows: Fair housing is a condition in which individuals of similar income levels in the same housing market having a like range of housing choice available to them regardless of age, race, color, ancestry, national origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor. D. Impediments Defined Within the legal framework of federal and state laws and based on the guidance provided by the U.S. Department of Housing and Urban Development (HUD) Fair Housing Planning Guide, impediments to fair housing choice can be defined as: Any actions, omissions, or decisions taken because of age, race, color, ancestry, national origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor which restrict housing choices or the availability of housing choices;or Any actions, omissions, or decisions which have the effect of restricting housing choices or the availability of housing choices on the basis of age, race, color, ancestry, national Chapter 1 : Introduction 4 City of San Bernardino Analysis of Impediments to Fair Housing Choice origin, religion, sex, disability, marital status, familial status, source of income, sexual orientation, or any other arbitrary factor. To affirmatively promote equal housing opportunity, a community must work to remove impediments to fair housing choice. Furthermore, eligibility for certain federal funds requires the compliance with federal fair housing laws. Specifically, to receive HUD Community Planning and Development (CPD) formula grants, a jurisdiction must: • Certify its commitment to actively further fair housing choice; • Maintain fair housing records; and • Conduct an analysis of impediments to fair housing. E. Scope of Analysis This Analysis of Impediments (AI) to Fair Housing Choice provides an overview of laws, regulations, conditions or other possible obstacles that may affect an individual or a household's access to housing. The Al involves: • A comprehensive review of the laws, regulations, and administrative policies, procedures, and practices; • An assessment of how those laws, regulations, policies, procedures, and practices affect the location, availability, and accessibility of housing; and • An assessment of conditions, both public and private, affecting fair housing choice. F. Lead Agency and Funding Sources This report, prepared through a collaborative effort between City staff, Veronica Tam and Associates and Hogle-Ireland, Inc. under contract to the City of San Bernardino, is funded by Community Development Block Grant (CBDG) general planning and administration funds. G. Data and Methodology According to the Fair Housing Planning Guide prepared by the U.S. Department of Housing and Urban Development (HUD), HUD does not require the jurisdictions to commence a data collection effort to complete the Al. Existing data can be used to review the nature and extent of potential issues. The following data sources were used to complete this Al. Sources of specific information are identified in the text, tables and figures. Chapter 1 : Introduction 5 City of San Bernardino Analysis of Impediments to Fair Housing Choice • 1990 and 2000 U.S. Census • 2006-2008 American Community Survey' • 2008 Community Survey • California Department of Fair Employment and Housing • California Department of Department of Finance • California Department of Social Services Community Care Licensing Division • Home Mortgage Disclosure Act data obtained through Marquis Software Solutions, Centrax HMDA • San Bernardino Housing Element • U.S. Department of Housing and Urban Development (HUD) • U.S. Federal Bureau of Investigation (FBI) H. Organization of the Report The Al is divided into seven chapters: Chapter 1: Introduction defines "fair housing" and explains the purpose of the report. This chapter also discusses the outreach efforts undertaken for the development of the Al. Chapter 2: Community Profile presents the demographic, housing, and income characteristics in the City of San Bernardino. Major employers and transportation access to job centers are identified. The relationships among these variables are discussed. Chapter 3: Lending Practices assesses the access to financing for different groups. Predatory and subprime lending issues are also discussed. Chapter 4: Public Policies and Practices analyzes various public policies and actions that may impede fair housing within the City. ' According to "American Community Survey - What Researchers Need to Know," the Census Bureau cautions the direct comparison between the American Community Survey (ACS) data and data from previous Censuses, particularly as it relates to income, age, and household characteristics, as different methodologies were used or questions were asked in collecting the sample. The most significant difference is that the 2000 Census is point-in-time data, whereas the ACS 2006-2008 is period data. The ACS was developed with a sample each year and data presented for 2006-2008 represents an averaging of the sampling results over three years. An issue with this methodology is that when conditions in 2006 were substantially different than in 2008, the averaging would "dilute" the data and therefore not present an accurate picture of the conditions. For example, housing market conditions in 2006 were almost a 180-degree turn compared to those in 2008. Averaging over these three years would not reflect the sharp changes in conditions. Therefore, 2006-2008 ACS data in this report are presented as percentages and used only as additional references. The 2008 ACS is also a period estimate, averaging estimates from the year 2008; these is the data that are predominantly used in this report to supplement data from the 2000 decennial Census. The 2008 ACS data provides an important update and snapshot of existing conditions. The federal government uses ACS information to evaluate the need for federal programs and to run those programs effectively, so it is important to be consistent with those assumptions. However, please note that the ACS provides an estimate, not a 100 percent sampling of the population, and as such, there may therefore be a significant margin of error in some situations. Chapter 1: Introduction 6 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 5: Current Fair Housing Profile evaluates existing public and private programs, services, practices, and activities that assist in providing fair housing in County. This chapter also assesses the nature and extent of fair housing complaints and violations in different areas of the County. Trends and patterns of impediments to fair housing, as identified by public and private agencies, are included. Chapter 6: Achievements of the 2006 Plans assesses the progress made since the preparation of the 2006 Analysis of Impediments (All to Fair Housing Choice. Chapter 7: Conclusions and Recommendations summarizes the findings regarding fair housing issues in San Bernardino and provides recommendations for furthering fair housing practices. I. Public Participation The City of San Bernardino 2010-2015 Analysis of Impediments to Fair Housing Choice has been developed through a collaborative process involving participation by residents, service providers, and City staff. In addition to analysis of available data sources and review of existing reports and fair housing practices, the City sought public input on fair housing issues through two main avenues: A community meeting was held on January 21, 2010 in the Economic Development Agency Board Room. Participants were introduced to the Analysis of Impediments to Fair Housing Choice process and intent and asked to discuss fair housing concerns. This meeting was held in conjunction with the community meeting to receive input on community needs for the 2010-2015 Consolidated Plan. Invitations and flyers were circulated to community groups and local service providers. A Community Needs and Fair Housing Survey, which assessed fair housing discrimination experiences, was distributed to residents and service providers. Surveys were made available at community centers and public counters, located online, and distributed at the January 21, 2010 community meeting. The survey was integrated with a survey to assess community needs for the 2010-2015 Consolidated Plan. Overall, 142 residents and service providers responded to the Community Needs and Fair Housing Survey. 1. Community Meeting San Bernardino residents and public and private agencies either directly or indirectly involved with fair housing issues in San Bernardino were invited to attend a public meeting before the Community Development Citizens Advisory Committee members on January 21 , 2010. The meeting provided the opportunity for the San Bernardino community to gain awareness of fair housing laws, and for residents and service agencies to share fair housing issues and concerns. The meeting participants also Chapter 1: Introduction 7 City of San Bernardino Analysis of Impediments to Fair Housing Choice discussed community development and housing needs, priorities, and concerns to be considered as part of the 2010-2015 Consolidated Plan. San Bernardino staff conducted extensive outreach to reach a broad cross-section of the community and to encourage attendance at the January 21, 2010 community meeting. More than 15 residents and representatives of service provider agencies attended, in addition to the five Community Development Citizens Advisory Committee (CDCAC) members in attendance. To encourage attendance and participation, the workshop was publicized through the following methods: • Flyers posted at City Hall, local community centers, and libraries • Notice posted on the City's website • Notice posted in the San Bernardino County Sun and El Chicano newspapers • Personal invitations to the mailing list maintained by the City for CDBG application announcements. Additional service providers and agencies invited included: • City of Rialto • City of Fontana • City of Redlands • City of Highland • County of San Bernardino Housing Authority • California Division of Financial Assistance • Inland Fair Housing and Mediation Board • Habitat for Humanity-San Bernardino Area, Inc. • National CORE • TELACU • Inland Regional Center • Rolling Start • Pathway, Inc. J • San Bernardino Area Chamber of Commerce j • East Valley Association of Realtors • Inland Valley Association of Realtors • Wells Fargo San Bernardino Home Loans o Accurate Acquisition Home and Loans • Century Vintage Homes • Affordable Home Loans • American General Financial Services • Bank of America Home Loans o Apartment Association Greater Inland Empire Due to these outreach efforts, attendance at the public meeting included several service providers that work with low and moderate income and special needs resident. Service providers that attended the Consolidated Plan community outreach meeting included: Time for Change, Central City Lutheran Mission, Inland Fair Housing & Mediation Board, Project Life Impact, Universal Nursing Systems, A Servant's Heart Outreach, St. John's Success Center, Apartment Association Greater Inland Empire, and OMNIP. Chapter 1: Introduction 8 City of San Bernardino Analysis of Impediments to Fair Housing Choice Two main themes related to fair housing emerged from participants as important in the City of San Bernardino: 11 the importance of access to homeless shelters and transitional housing; and 2) the issue of housing discrimination against persons with disabilities and formerly incarcerated persons. Overall, the meeting participants noted increasing needs among San Bernardino residents and in the Southern California area at large at a time of increased unemployment and financial uncertainty. Increasing needs include general emergency help, such as food, utilities and home cost assistance, emergency shelter or hotel assistance, and job placement and training. Participants noted that there is a large low income population, and that housing prices are relatively lower in San Bernardino, as compared to other places in the County. Housing was one of the primary issues discussed by participants at the San Bernardino Consolidated Plan/Fair Housing community meeting. Participants were primarily concerned about housing affordability and voiced a need for new affordable housing, especially for seniors and disabled persons. Multi-family housing and mixed-use housing (housing with a retail or commercial component included) were recommended. Participants noted that the Section 8 waitlist is long, and the application is complex. With rising unemployment, participants noted that there may be a need for rental gap assistance to keep people in their homes. Staff estimated that approximately 5,000 homes have been foreclosed in the City between January 2008 and January 2010. The City has used Neighborhood Stabilization Program funds to purchase foreclosed and abandoned homes and re-sell these to low and moderate income homebuyers. Renters have also been affected by the increasing rate of foreclosures. When investment properties are foreclosed, the renter is the last person to know. There is often confusion over who to pay, as well as concerns about fraud. Participants also noted that it is difficult for post-incarcerated persons to find housing, as applications ask for information on incarceration, limiting access to housing options in the City. The Inland Fair Housing and Mediation Board noted that while in previous years, race was the basis for most discrimination complaints, now disabled status is the most common fair housing complaint the Board receives. Participants noted a need for housing rehabilitation assistance in single-family homes, to address blight and overcrowded conditions. Housing rehabilitation assistance can give neighborhoods a facelift and encourage continued investment in the area. 2. Fair Housing Survey Between December 2009 and January 2010, a survey was available inviting residents to provide feedback on their fair housing experiences and the importance of a variety of services. The fair housing survey was integrated as part of the efforts to assess housing and community needs in the City for the 2010-2015 Consolidated Plan. The Chapter 1 : Introduction 9 City of San Bernardino Analysis of Impediments to Fair Housing Choice survey was available on the City's website in an online, user-friendly version. Hard copies of the survey were available at City Hall, public libraries, and public counters. The survey was available in English and Spanish. (A copy of the survey is included in Appendix A.) Overall, 142 residents and service providers responded to the Community Needs and Fair Housing Survey. Fair Housing Of the 142 residents who completed the survey, 109 persons completed at least one fair housing question, in addition to community development and housing questions. Of the 109 who responded to the fair housing section, 16.5 percent (18 respondents) indicated that they had experienced housing discrimination. Over two-thirds of these discrimination actions were completed by a landlord or property manager, 17 percent by a real estate agent, five percent by a mortgage lender, and five percent lone incident) by City staff. According to survey respondents, half of discrimination acts (nine incidents) occurred in an apartment complex, eight occurred in a single-family neighborhood, two in public or subsidized housing projects, one in a mobile home park, and one occurred when applying for City programs. Survey respondents believed that they were discriminated against on a variety of bases, as indicated in Error! Reference source not found.. The most common reason for discrimination, according to survey respondents, was race. A number of respondents also indicated "other" as the basis for discrimination; a review of specific comments is included in Appendix A. Of those who indicated they experienced discrimination, most (70 percent) indicated that they did not report the incident. Most respondents indicated that they did not report the incident because they did not know where to report the incident or they believed it would not make any difference. Some respondents also noted that it was too much trouble to report, and one person was afraid of retaliation. The Fair Housing Act, as amended in 1988, requires that cities and counties provide reasonable accommodation to rules, policies, practices, and procedures where such accommodation may be necessary to afford individuals with disabilities equal housing opportunities. While fair housing laws intend that all people have equal access to housing, the law also recognizes that people with disabilities may need extra tools to achieve equality. Reasonable accommodation is one of the tools intended to further housing opportunities for people with disabilities. Five respondents indicated that they were denied reasonable accommodation for a disability; specific information is included in Appendix A. Chapter 1 : Introduction 10 City of San Bernardino Analysis of Impediments to Fair Housing Choice Figure 1: Discrimination Basis On what basis do you believe you were discriminated against? (check all that apply) 35.0% —. - ----._--_.. 30.0% 25.0% -- - 20.0% 15.0% - - --- 10.0% - - -- 5.0% 0.0% q¢ a\pi`°'c�e �e �\ D�`�' p� ,p Hate Crimes Respondents were also asked to comment on hate crimes that may have been committed in San Bernardino neighborhoods. More than 22 percent of respondents who answered this question (24 out of 108 persons) indicated that a hate crime had been committed in their neighborhood. Nearly 27 percent indicated that a hate crime had not been committed, and over half (51 percent) indicated that they did not know. The vast majority indicated that the hate crimes committed were related to race ( Figure 2). Chapter 1 : Introduction 11 City of San Bernardino Analysis of Impediments to Fair Housing Choice Figure 2: Hate Crime Basis What was the basis of the hate crime? 80.0% 70.0% - - - - 60.0% 50.0% 40.0% 30.0% 20.0% 10.0% 0.0% V° \i jp�� i.� ce Etic p• 4 nano �a� Ja�O �aF Fe 'A Foreclosures A number of questions on the survey were related to foreclosures, given the high level of foreclosure activity that has been experienced in San Bernardino. Nine percent of respondents indicated that they were in the foreclosure process or at risk of foreclosure. Most respondents facing foreclosure indicated that loss of income or employment was the primary cause of foreclosure; many indicated that increasing monthly payments and significant increases in other housing costs were also a factor. Some also indicated that they owed more on the home than it was worth. Of those facing foreclosure, less than half (44 percent) were planning on relocating away from the City of San Bernardino. Most respondents facing foreclosure were aware of foreclosure assistance available to help them (78 percent). All respondents facing foreclosure indicated that they would consider homeownership again, and the majority (89 percent) indicated that they would rather have owned a home, given recent circumstances, than rented. Housing Programs and Services The same survey also asked residents to rank the level of importance for programs and services offered by the City. Respondents ranked fair housing services seventh out of ten types of services (Table 1). Chapter 1 : Introduction 12 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Community Development ••r Survey Needs Cate o Activities/Programs I Rank Ownership Housing Rehabilitation 1 Homeownership Assistance 2 Energy Efficient Improvements 3 Senior Housing 4 Housing Rental Housing Rehabilitation 5 Housing for Disabled 6 Fair Housin Services 7 Affordable Rental Housing8 Housing for Large Families 9 Lead-Based Paint Test/Abatement 10 Chapter 1: Introduction 13 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 2 Community Profile A key goal for fair housing programs is to foster an inclusive environment, one in which all people have the opportunity to live in decent and suitable homes and are treated equally in the rental, sale, or occupancy of housing. The community profile provides background information on demographics, housing, employment, special needs groups, and other characteristics that describe San Bernardino. All of these factors can affect housing choice, housing opportunities, and the type of fair housing issues a community may encounter. This overview will provide context for discussing and evaluating fair housing in the following chapters. The City of San Bernardino is a general law city incorporated in 1854, which makes it one of California's oldest communities. Today, San Bernardino serves as the county seat and is the most populous city in the County of San Bernardino, with a population of over 204,000 residents. The City of San Bernardino encompasses approximately 60 square miles of land along the foothills of the San Bernardino Mountains, at the eastern edge of the San Bernardino Valley. The City of San Bernardino is located approximately 60 miles east of the city of Los Angeles, 120 miles northeast of metropolitan San Diego, and 55 miles northwest of the city of Palm Springs. The City of San Bernardino is one of the principal cultural and business centers in San Bernardino County. The area has evolved from a semi-rural farming community to an enterprise city with large railroad companies and an economy based primarily upon retail commercial businesses, manufacturing, and distribution centers. The City of San Bernardino has long functioned as a transportation link between the east and west coasts. With rail, freeway, a nearby international airport just 30 minutes away, and the Port of Los Angeles within one hour's drive, San Bernardino links Southern California, national markets, Mexico, and the Pacific Rim. A. Demographic Profile Examination of demographic characteristics can provide insight regarding the need and extent of equal access to housing in a community. Factors such as population growth, age characteristics, and race/ethnicity all help determine a community's housing needs and play a role in exploring potential impediments to fair housing choice. 1. Population and Population Growth According to the Census, the City of San Bernardino population was 185,401 in 2000.The California Department of Finance estimates that in 2009, the population had increased to 204,483. Documented population figures from 1980 to 2005 and projected population growth trends from 2010 to 2035 are shown in Figure 3. The City i jChapter 2: Community Profile J 15 ]1 1 City of San Bernardino Analysis of Impediments to Fair Housing Choice experienced its largest recent increase in population between 1985 and 1990, when the population increased by 20 percent. San Bernardino's population has steadily increased since, but at a slower rate than occurred in the 1980s. Future projected population growth is expected to remain steady, as indicated in Figure 3. Figure 3: Documented and Projected Population Growth-1980-2035 300,000 515 P 99 M U4 29 9B9 / 2W 616 C D2 31e O 2 / W 90 6 1 161 O a 15UM 13E el0 n 00,000 1980 1m 1990 11185 2100 2005 8110 8115 2121 M 2N0 E[G Year Source:CalAomia Department of Finance,2009;SCAG 2008 RTP Growth Forecast. Population growth projections for San Bernardino anticipate that the City's population will steadily increase at an average rate of 4.75 percent every five years, with a resulting 2035 population estimate of 265,515. The overall percentage growth of San Bernardino from 2010 to 2020 is projected to be around 10.5 percent, a relatively low estimate compared to other surrounding cities such as Colton 122 percent). Table 2: Documented arid Projected Population Growth 2000 2010 2020 2030 San Bernardino 185,401 213,318 235,616 255,959 Cotton 47,662 58,815 71,880 83,942 Fontana 128,929 174,719 195,866 215,018 Highland 44,605 55,345 62,708 69,371 Redlands 63,591 73,441 80,973 89,288 Rialto 91,873 107,849 123,080 136,845 Sources: U.S.Census Bureau,2000 Census;SCAG 2008 RTP Growth Forecast. 2. Age Characteristics Housing demand is affected by the age composition of a community since different age groups may have very different housing needs. For example, young people may trend towards occupying apartments, condominiums, and small single-family homes due to household size and/or affordability. Middle-aged adults may trend towards demanding larger homes as incomes and family sizes increase, while seniors may prefer apartments, condominiums, mobile homes, or smaller single-family homes that have lower costs and less maintenance. Table 3 shows the age distribution of San Chapter 2: Community Profile 16 1 I i City of San Bernardino Analysis of Impediments to Fair Housing Choice Bernardino's population. The median age for the City was estimated to be 28.6 years of age in 2008, which is slightly younger than the estimated median age of the County at large (30.5 years of age). •r • Persons by Age San Bernardino 111 and 2008 2000 2008 2000-2008 Age Population Population Population Population %Change 17 and younger 65,180 35% 63,670 31% -2% 18-24 20,433 11% 25,326 12% 24% 25-44 54,915 30% 57,786 28% 5% 45-64 29,607 16% 39,546 19% 34% 65 and over 15,266 8% 17,313 9% 13% Total 185,401 1 100°h 203,641 100% 10% Median Age 27.6 28.6 Source: U.S.Census Bureau,2000 Census;2008 American Community Survey As Table 3 indicates, from 2000 to 2008, the percentage of youth in the City experienced a slight decline, while all other age categories experienced slight to moderate increases. The decline of youth as a proportion of the population may be attributed to natural aging of the population, as the next age category, ages 18-24 saw a significant increase since 2000. Youth still represents the largest percentage of population (31 percent), followed by the age category of 25-44. 3. Race and Ethnicity Race and ethnicity can have implications for housing choice, as certain demographic and economic variables correlate with race. Similar to trends in other communities in California, San Bernardino has become increasingly diverse in its racial and ethnic makeup (Table 4). From 2000 to 2008, the overall percentage of White persons continued to decline (in 1990 Whites constituted 46 percent of the population), while the percentage of Hispanic persons increased. The proportion of Hispanics increased from 35 percent in 1990 to 47 percent in 2000; that percentage is estimated to have increased to 56 percent by 2008. The percentages of Black, Asian, Pacific Islander, American Indian, and Other races were estimated to have remained relatively the same. Chapter 2: Community Profile 17 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2000 Table 4: San Bernardino Race or Ethnicity - rr- Race/Ethnicity 2000 2008 Population %of Population Population %of Population His anic On in 87,654 47.3% 114,348 56.2% White 53,900 29.1% 42,419 20.8% Black 28,965 15.6% 35,509 17.4% Asian 7,392 4.0% 7,529 3.7% Other 5,614 3.0% 3,260 1.6% Pacific Islander 670 0.4% 434 0.2% American Indian 1,193 0.6% 142 0.1°k Source:U.S.Census Bureau,2000 U.S.Census;2008 American Communill Sucre A comparison of the racial/ethnic composition of the population with that of the householders indicates that 28.5 percent of households in San Bernardino were headed by White persons and 48 percent by Hispanic persons in 2008 (see Table 5). The racial/ethnic composition of householders in the City did not mirror that of the county. In the county, only 37 percent of households were Hispanic, whereas White constituted 46 percent of households. Table Household 2008 Persons Households Race/Ethnicity San Bernardino San Bernardino San Bernardino San Bernardino Count Count Hispanic Origin 56.2% 47.5% 48.0% 37.3% White 20.8% 35.5% 28.5°� 45.9% Black 17.4% 8.3% 18.2% 9.2% Asian/Pacific Islander 3.9% 6.1% 4.6% 6.2% Other 1.7% 2.6% 0.7% 1.4% Source:U.S.Census Bureau,2000 U.S.Census;2008 American Community survey Estimates from the U.S. Department of Housing and Urban Development (HUD), based on Urban Institute research, indicate that while discrimination persists against Blacks and Hispanics searching for homes in major metropolitan areas, its incidence had generally declined since 1989.2 This information is corroborated by local reports from the Inland Fair Housing and Mediation Board (IFHMB). A representative of the IFHMB noted in a public meeting related to the Analysis of Impediments to Fair Housing Choice development that the Board has experienced a decrease in reports of racial housing discrimination in recent years in San Bernardino. However, as noted in the Urban Institute report, when Blacks and Hispanics visit real estate or rental offices to inquire about the availability of advertised homes and apartments, they continue to face a significant risk of receiving less information and less favorable treatment as compared to White customers. This discrimination can raise the cost of housing searches for Blacks and Hispanics, creates barriers to homeownership and housing choice, and helps perpetuate involuntary racial and ethnic segregation. 2 Discrimination in Metropolitan Housing Markets: National Results from Phase /of HDS 2000 Annexes, Urban Land Institute 2002. Chapter 2: Community Profile 18 City of San Bernardino Analysis of Impediments to Fair Housing Choice Residential Segregation Historically, some researchers have evaluated the degree of racial and ethnic integration as an important measure or evidence of fair housing opportunity. Whereas the separation of different race and ethnic groups has historically been associated with segregation, people's choice of residence today is complex. Housing prices, local schools, access to transportation, and proximity to jobs are all important factors guiding people's housing choices, among others. Statistical techniques can be used to measure the degree of segregation experienced by different racial/ethnic groups, such as the dissimilarity index. The dissimilarity index (Table 6) represents the percentage of one group that would have to move into a new neighborhood to achieve perfect integration with another group. An index score can range in value from zero, indicating complete integration, to 100, indicating complete segregation. An index value of 60 or above is considered very high, an index value of 40-50 is usually considered to be a moderate level of segregation, and values of 30 or below are considered to be fairly low. The dissimilarity index shows that a moderate level of segregation is present for the Hispanic population as compared to Whites, indicating that the two groups tend to live in different census tracts within the City. The dissimilarity index is lower for Asians and Blacks when compared to Whites. Table 6: Racial Integrati n rrr RacelEthnic Percent of Dissimilarity Dissimilarity Dissimilarity Dissimilarity Group Total Index with Index with Index with Index with Population Whites Hispanics Blacks Asians White 28.9% 431 37.4 38.4 Hispanic 47.5% 43.1 25.1 38.6 Black 17% 37.4 25.1 35.1 Asian 5.1% 38.4 35.1 38.6 Source:U.S.Census Bureau,2000 Census;Lewis Mumford Center for Cwparative Urban and Regional Research Areas of Minority Concentration Areas with concentrations of minority residents may have different needs. A concentration is defined as a Census block group with a proportion of a particular race/ethnic group greater than that of the countywide average for that group. Figure 4 illustrates the concentrations of minorities within the City. As shown, virtually the entire southern half of the City (below Highland Avenue) has a minority population of at least 56 percent (the county average). In contrast, Census tracts above Highland Avenue generally lack minority concentrations. Chapter 2: Community Profile 19 ) ! ; }§ . _ � \ - % / \ ! Z �E a ^ ) ( k \\ ; / — \ � y � • - �� .�\ z �� / , ^ � y \ � \ k \ +|) 2 / E ƒ ' �` \ \ f \ 3J £ 60 City of San Bernardino Analysis of Impediments to Fair Housing Choice B. Income Profile Household income is the most important factor determining a household's ability to balance housing costs with other basic life necessities. A stable income is the means by which most individuals and families finance current consumption ad make provision for the future through saving and investment. The level of cash income can be used as an indicator of the standard of living for most of the population. While economic factors that affect a household's housing choice are not a fair housing issue per se, the relationships among household income, household type, race/ethnicity, and other factors often create misconceptions and biases that raise fair housing concerns. According to the 2000 Census, San Bernardino households had a median income of $31,140, or just 74 percent of the countywide median of $42,086. The 2008 American Community Survey estimated that San Bernardino residents continued to earn less than the county average, $38,282 in San Bernardino as opposed to $55,021 countywide. 1. Income Distribution For purposes of housing and community development resource programming, HUD has established income definitions based on the Median Family Income (MFI) for a given Metropolitan Statistical Area (MSA). These income definitions are presented in Table 7. r 1 r 1• r Income Group %of Area MFI Extreme) Low Income 0-30% Low Income 31-50% Moderate income 51-80% Middle/Upper lncome >81% Based on the HUD definitions specified in Table 7, over 35 percent of the City's total households in 2000 were within extremely low income (30 percent MFI) and low income (50 percent MR) categories, and nearly 20 percent were within the moderate income (80 percent MFI) category. In San Bernardino, households with low and moderate incomes comprised over half of the total households (55 percent). The proportion of households with low and moderate incomes was highest among Black (64 percent) and Hispanic (63 percent) compared to White (43 percent) households (Table 8)• Chapter 2: Community Profile 21 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table • • • Income by 111 Total %ofTotal %Extremely %of Low %of %of Households Households Households Low Income Income Moderate Middle/Upper income Income (0-30%MFI) (31-50%MFn 51-80%MFI >80%MF White 22,085 39.1% 14.1% 10.9% 18.3% 56.7% Hispanic 20,523 36.9% 21.8% 17.5% 23.3% 37.4% Asian/PI 2,158 3.9% 25.3% 15.1% 13.9% 45.8% Black 9,459 17.0% 31.7% 16.1% 16.1% 36.1% Other 1,875 3.1% 17.5% 8.8% 21.1% 52.6% Total 56,100 100.0% 20.8% 14.4% 19.5°h 45.2% Source:2004 HUD CHAS Data,based on 2000 Census. 2. Concentrations of Low and Moderate Income Populations Figure 5 identifies the low and moderate income areas in the City by Census block group. A low and moderate income area is defined as a Census block group with 51 percent or more low and moderate income persons. As shown in the figure, concentrations of low and moderate income residents are located throughout the City, with more concentrations generally located south of Highland Avenue. These concentrations of low and moderate income residents generally correspond to areas of minority concentration depicted in Figure 4. 3. Unemployment During the national economic downturn that began in 2007, San Bernardino County's economy remained relatively stable, with unemployment similar to that of surrounding markets. In 2008, the County's unemployment rate was at an annual average of 8.0 percent, compared to 7.2 percent for the State of California. The City of San Bernardino, however, had a higher unemployment rate than the County and the State, with an unemployment rate of 10.9 percent in 2008 (Table 9). Table • 008 Annual Average ° r Jurisdiction Rate of Unem to nt San Bernardino 10.9% Colton 8.7% Fontana 8.3% Highland 10.2% Redlands 5.8% Rialto 10.3% San Bernardino County 8.0% State of California 7.2% Source:State of California Employment Development Department,Annual Average Labor Force Data for Counties,2009. Chapter 2: Community Profile 22 o m m M C U w N g' m c o E frM? t >g Pa Q D Y c `g5E m u_ E :2 p N O 832 u m° > = v m Q O 2 «ice v < N J f S w m u E K L n , • ...q. \. o N ,�\,• i vN 414 •�E°.Z\ y;.i p2: ? ! 3 00 o Q ='W \ •a B uuM�X � A 6 s T j . c v to kl� or EE o ' er am tv mT A n � cj° ID Q �WE \ a O p \ \ o 2 LL a u F F Ua z a Ym '. G m City of San Bernardino Analysis of Impediments to Fair Housing Choice C. Household Profile The household profile, which outlines characteristics of San Bernardino's households, aids in understanding housing needs. Households with different characteristics have unique housing needs and may face different impediments in the housing market. Various household characteristics may affect equal access to housing, including household type, size, and income level. A household, as defined by the U.S. Census Bureau, includes all the persons who occupy a housing unit, which may include a single family, one person living alone, two or more families living together, or any other group of related or unrelated persons who share living arrangements. 1. Household Composition and Size The number of households in San Bernardino increased four percent between 2000 and 2008, from 56,330 to 58,604 households. As shown in Table 10, the majority of households in San Bernardino are families 172 percent). Approximately 12 percent of all households are female-headed households with children, higher than the County average of nine percent. The average household size in the City of San Bernardino is estimated to have increased from 3.19 persons per household in 2000 to 3.38 persons per household in 2008. Among all family households, approximately 21 percent included at least one or more elderly persons, while eight percent of all non-family households (i.e. living alone or with unrelated roommates) were headed by an elderly person. % Female- Average % % %Elderly Headed Household % Families Households Non- Households Families with Family Size Children with Elderly Household with Children San Bernardino 3.38 72.0% 40.9% 20.8% 7.7% 12.0% San Bernardino 3.40 75.8% 41.4% 19.7% 6.3% 9.1% Count Source.U.S.Census Bureau,2008 American Community Suwe Chapter 2: Community Profile 24 City of San Bernardino Analysis of Impediments to Fair Housing Choice D. Special Needs Populations Certain households, because of their special characteristics and needs, may require special accommodations and may have difficulty finding housing due to special needs. Special needs groups may include the elderly, persons with disabilities, persons with HIV/AIDS, female-headed households, large households, and homeless persons. 1. Elderly and Frail Elderly The population over 65 years of age is considered elderly. Elderly households are vulnerable to housing problems and housing discrimination due to limited income, prevalence of physical or mental disabilities, limited mobility, and high health care costs. The elderly, and particularly those with disabilities, may face increased difficulty in finding housing accommodations, and may become victims of housing discrimination or fraud. According to the 2008 American Community Survey, approximately 17,313 elderly persons resided in San Bernardino, representing 8.5 percent of the total population. Approximately 7,196 elderly persons were considered frail elderly; that is, they were seniors with a disability. A larger proportion of senior households had low and moderate incomes (59 percent) compared to all households (55 percent). Approximately 35 percent of the elderly households experienced one or more housing problems, such as overpayment or substandard housing, compared to the citywide average of 50 percent. However, elderly residents who rent were more likely to experience housing problems 157 percent). In addition, elderly residents are often less able to make improvements to their housing due to limited income as well as a higher rate of disabilities (Table 11). Table 11: Elderly %of Population LowlModerate Households Population' with a Income with Housing Disability' Households s Problems Elderly 8.5% 47.7% 58.9% 35.1% All Households 100% 22.4% 54.8% 49.9°h Sources:1)U.S.Census Bureau,20M Census;2)HUD CHAS,2004 There are 10 licensed community care facilities that have a capacity to provide residential care for up to 398 elderly persons in the City of San Bernardino. In addition, as shown in Table 12, San Bernardino has several affordable senior housing developments that are income restricted and provide housing opportunities for the elderly in the community. Chapter 2: Community Profile 25 City of San Bernardino Analysis of Impediments to Fair Housing Choice 7Casa r r r Name Lo cation Total Units 302 A artments 377 E.Gilbert Street 90 ad Woods 1650 W. 16th Street 51 mardine Retirement Center 1569 N.Waterman Ave 241 Casa Ramona Senior Complex 1519 W. 8th Street 44 Jeffery Court Senior Apartments 3677 Central Avenue 184 Laurel Place 363 E.Gilbert Street 70 Light's Rancho Linda 1642 W.27th Street 50 The Plaza 5655 N.G Street 160 San Bernardino Senior Housin 1540 W. Baseline Ave. 75 St, Bemardine's Plaza 550 W.5th Street 150 TELACU I Sierra Vista 650 W.6m Street 75 TELACU II Monte Vista 451 N.H Street 75 TELACU III Buena Vista 365 E.Commercial Rd. 75 Total 1,340 2. Persons with Disabilities The Americans with Disabilities Act (ADA) defines a disability as a "physical or mental impairment that substantially limits one or more major life activities." Fair housing choice for persons with disabilities can be compromised based on the nature of their disability. Persons with physical disabilities may face discrimination in the housing market because of the use of wheelchairs, need for home modifications to improve accessibility, or other forms of assistance. Landlords/owners sometimes fear that a unit may sustain wheelchair damage or may refuse to exempt disabled tenants with service/guide animals from a no-pet policy. A major barrier to housing for people with mental disabilities is opposition based on the stigma of mental disability. Landlords often refuse to rent to tenants with a history of mental illness. Neighbors often object when a house becomes a group home for persons with mental disabilities. While housing discrimination is not covered by the ADA, the Fair Housing Act prohibits housing discrimination against persons with disabilities, including persons with HIV/AIDS. An estimated 18,248 persons' in the City of San Bernardino (nine percent of the population) have one or more disabilities. This proportion is similar to that of San Bernardino County, where 10 percent of the population is disabled. According to the 2008 American Community Survey, approximately 10,124 persons with a disability in San Bernardino are within working age (18-64 years old). Of these persons with a disability who are of working age, approximately 29 percent are employed. An estimated 28 percent of persons with disabilities live below the poverty line. 3 The American Community Survey refers to the disability status of only the civilian non-institutionalized population. Disability is defined as the restriction in participation that results from a lack of fit between the individual's functional limitations and the characteristics of the physical and social environment. The Census Bureau does not recommend any comparisons to disability data from the 2007 ACS and earlier due to questionnaire changes. Chapter 2: Community Profile 26 City of San Bernardino Analysis of Impediments to Fair Housing Choice According to the 2008 American Community Survey, 17,320 adults aged 18 and over suffered from one of more disabilities in San Bernardino. Over half of those adults suffered from problems with living independently, which is defined as having difficulty completing everyday tasks and errands due to physical, mental, or emotional problems. Self-care limitations are also common for persons with physical disabilities; over 5,000 adults in San Bernardino are estimated to have difficulty doing tasks such as dressing or bathing themselves (Table 13). . r 1 1M. -,RflYJVNM9 r r ' r 'rr r ' r•r 111 Type of Disability Number of Adults With a Hearing Difficulty 3,267 With a Vision Difficulty 3,766 With a Cognitive Difficulty 6,686 With an Ambulatory Difficulty 11,904 With a Self-Care Difficulty 5,068 With an Independent Living Difficulty 8,796 Note:Adults may have one or more disabilities.Total number of adults with one or more disabilities is estimated at 17,320. Source:U.S.Census Bureau,2008 American Community Sumo . As part of this Analysis of Impediments to Fair Housing Choice study, a community meeting was held to discuss fair housing concerns and housing needs in the City. A representative of the Inland Fair Housing and Mediation Board (IFHMD) noted that in previous times, the most common fair housing complaint received was with regard to racial discrimination. Today, the most common fair housing complaint in San Bernardino relates to disability. IFHMD also noted the continued need for reasonable accommodations and modifications provided by landlords, owners, and jurisdictions. The Americans with Disabilities Act of 1990 and amendments to the Fair Housing Act, as well as California law, require ground-floor units of new multi-family developments with more than four units to be accessible to persons with disabilities. However, units built prior to 1989 are rarely accessible to persons with disabilities. Furthermore, not all new construction may have the range of modifications needed by specific individuals. Older units, particularly older multi-family structures, are very expensive to retrofit for disabled occupants because space is rarely available for elevator shafts, ramps, widened doorways, etc. In addition to changes to the units, the site itself may need modification to widen walkways and gates, and to install ramps. 3. Persons with HIV/AIDS Persons with HIV/AIDS face an array of barriers to obtaining and maintaining safe, affordable housing. For persons living with HIV/AIDS, access to safe, affordable housing can be as important to their general health and well-being as access to quality health care. Stigmatism associated with their illness and possible sexual orientation can add to the difficulty of obtaining and maintaining housing. Persons with HIV/AIDS can Chapter 2: Community Profile 27 City of San Bernardino Analysis of Impediments to Fair Housing Choice also require a broad range of services, including counseling, medical care, in-home care, transportation assistance, and food provision. According to the California Department of Public Health, a total of 1,439 HIV and 1,759 AIDS infected persons lived in San Bernardino County as of December 31, 2008. 4. Female-Headed Households Single-parent households are likely to have special needs for housing, including proximity and access to day care, public transportation, and recreation facilities. Because of their relatively lower income and higher living expenses, female-headed families have comparatively limited opportunities for finding affordable and decent housing. Female-headed households may also be discriminated against in the rental housing market because some landlords may be concerned about the ability of these households to make regular rent payments. Consequently, landlords may require more stringent credit checks or higher security deposits for women, which would be a violation of fair housing laws. In 2008, households headed by women comprised approximately 23 percent (13,411 households) of all households in the City of San Bernardino. Of these households, the majority (7,024 households) included children. Female-headed households are disproportionately impacted by poverty. In the City, approximately 33 percent of female-headed families were living below the poverty level, whereas only 15 percent of married couple families were living below the poverty level. Countywide, 30 percent of the female-headed families were living in poverty, and only seven percent of married couple families were living in poverty. 5. Large Households Large households, defined as those with five or more persons, often face discrimination in the housing market, particularly in the rental market. Property owners and managers may be concerned with the potential increase in wear and tear and liability issues related to large households, especially those with children. In addition, large households also have a higher cost of living and need larger homes. While the cost of housing itself is not a fair housing issue, the competition for lower-priced housing and the scarcity of larger, low-rent units may create an environment where fair housing violations may occur. For San Bernardino, the 2008 American Community Survey estimated that 11,454 households had five or more members, representing almost 20 percent of the total households in the City. The special Census tabulations for HUD, Comprehensive Housing Affordability Strategy (CHAS), indicate that among the large households in the City, approximately 74 percent experienced some form of housing problems in 2000 (Table 14). These housing problems include overcrowding, cost burden, or substandard housing conditions. This Chapter 2: Community Profile 28 City of San Bernardino Analysis of Impediments to Fair Housing Choice illustrates that San Bernardino has a need for larger affordable housing units with three or more bedrooms. ,r • 4: Large Household Profile Special Need Group %of Total Low I Moderate Housing P P Households' incomes Problems' Large Households 1 22.4% 60.9% 74.4% All Households 1 100.0% 54.8% 49.9% Sources:i U.S.Census Bureau,2000 Census;2 HUD CHAS,2004 6. Homeless Population Homeless persons often have a very difficult time finding housing once they have moved from transitional housing or other assistance program. Housing affordability for those who were formerly homeless is challenging from an economics standpoint, but this demographic group may also encounter fair housing issues when landlords refuse to rent to formerly homeless persons. The perception may be that they are more economically land sometimes mentally) unstable. The County of San Bernardino County Office of Homeless Services conducted a comprehensive survey of the County's homeless population in 2009. According to the 2009 San Bernardino County Point-In-Time Homeless count and survey, approximately 1,736 homeless persons live in the City of San Bernardino, with 968 of the persons classified as unsheltered homeless, 747 persons estimated to be living in emergency or transitional housing facilities, and the remaining 21 persons counted as using a hotel/motel voucher during the night of the survey. San Bernardino County's homeless can be divided into these subpopulations: chronically homeless, severely mentally ill, chronic substance abusers, veterans, persons with HIV/AIDS, victims of domestic violence, and unaccompanied youths. Chronically homeless persons make up 26 percent of the homeless population in the county at-large, 12 percent are victims of domestic violence, 18 percent are chronic substance abusers, 21 percent are severely mentally ill, another two percent are living with HIV/AIDS, 18 percent are veterans, and three percent are unaccompanied youths. Participants at the community meeting conducted as part of the Analysis of Impediments to Fair Housing Choice also noted the housing needs of post-incarcerated persons and potential discrimination that may result. Participants noted that post- incarcerated persons have difficulty finding housing, as housing applications ask for information on incarceration, limiting access to existing housing options in the City. Inventory of Facilities and Services for the Homeless and Persons Threatened with Homelessness The San Bernardino County Homeless Partnership (SBCHP) was formed to provide a more focused approach to issues of homelessness within the county. The Partnership Chapter 2: Community Profile 29 City of San Bernardino Analysis of Impediments to Fair Housing Choice consists of community and faith-based organizations, educational institutions, nonprofit organizations, private industry, and federal, state, and local governments. A network of nonprofit organizations operates 24 emergency shelter facilities, 24 transitional housing facilities, and seven permanent supportive housing facilities within the county. Emergency shelters often provide accommodation for a few days up to three months. Transitional housing provides shelter for an extended period of time (as long as 18 months) and generally includes integration with other social services and counseling programs that assist people in attaining a permanent income and housing. Permanent supportive housing is rental housing for low income or homeless people with severe mental illness, substance abuse, or HIV/AIDS with accompanying services that further self-sufficiency. The county, individual jurisdictions, and numerous agencies oversee a total of 425 beds in emergency shelters, 461 beds in transitional housing shelters, and 157 beds in permanent supportive housing settings in San Bernardino County. In addition, 67 permanent supportive and 74 transitional housing beds are under development throughout San Bernardino County. The City has cooperative partnerships with numerous organizations that help with homeless services. Table 15 provides a list or homeless service providers within the City. Chapter 2: Community Profile 30 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Partnerships Or anization Name Location Services Arrowhead United Way 646 North'D'Street Health and human care services. Catholic Charities-San 1800 Western Avenue,#107 Health and human care services. Bernardino Center of Christ 468 West 5th Street Health and human care services. Ministries/Inland Empire Marriage Coalition Central City Lutheran Mission 1354 North'G'Street Housing program for individuals affected with HIV; Cold weather shelter program during the winter months, for men only; Health and human care services. Community Action Partnership 696 S. Tippecanoe Ave. Health and human care services. of San Bernardino County CAP First 5 San Bernardino 330 North'D'Street,5th Floor Health and human care services to children under 5 and their families. Inland Behavioral Health 1963 North'E'Street Health and human care services; Services, Inc. Substance abuse treatment Phase 1 Transitional Living 1106 N.Barton St.Suite B Transitional housing for single men and women; or women with children. Health and human care services. The Salvation Army 746 West 5th Street Emergency Shelter; Cold weather shelter program during the winter months The Salvation Army 730 W.Spruce Street Health and human care services; Cold weather shelter program during the winter months; Motel Vouchers are provided to women and women with children Time For Change Foundation 2130 N.Arrowhead Ave. Homeless shelter for women recovering from the effects of mental and physical abuse, substance abuse and incarceration; Health and human care services Source:San Bernardino Housing Element,2008 I i i Chapter 2: Community Profile 31 City of San Bernardino Analysis of Impediments to Fair Housing Choice E. Housing Profile To address fair housing issues of a community, the existing housing market must be analyzed to distinguish local and current conditions. The following sections provide an overview of the characteristics of the local and regional housing market. 1. Housing Unit Growth In 2009, the California Department of Finance estimated that there were 66,640 housing units in San Bernardino, an increase of five percent since 2000 (Table 16). San Bernardino's housing growth over the past nine years was comparable to the growth experienced by nearby cities, including Redlands and Rialto. Other surrounding cities, such as Fontana, however, experienced tremendous growth in housing units (40 percent) between 2000 and 2009. The countywide increase in housing units was 15 percent during the same period. Table Housing Growth -20DO-2009 Jurisdiction Housing Units Percent Change 2000 2009 20W-2009 San Bernardino 63,531 66,640 5% Fontana 35,907 50,365 40% Redlands 24,790 26,807 8% Rialto 26,048 27,075 4% San Bernardino Count 601,369 690,234 15% Source: Slate of California, Department of Finance, E-5 Population and Housing Estimates for Cities, Counties and the State,2001-2009,with 2000 Benchmark.Sacramento,Caldomia,May M. 2. Housing Type The City of San Bernardino's housing stock is comprised primarily of single-family homes. According to California Department of Finance estimates, single-family homes accounted for 63 percent of the housing stock in the City, whereas multi-family housing accounted for 30 percent in 2009 (Table 17). Seven percent of housing units in the City are mobile homes. Surrounding jurisdictions share similar housing type characteristics, with all surrounding jurisdictions having considerably greater proportions of single-family homes. A total of 75 percent of housing units in San Bernardino County are single-family homes, compared to only 19 percent multi-family. Chapter 2: Community Profile 32 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Housing Type 119 Housin T Jurisdiction Single Multiple Mobile Total Units Family Family Home San Bernardino 42,024 20,129 411 487 66,640 63% 30% 7% Colton 10,268 5,185 815 16,268 63% 32% 5% Fontana 41,345 7,716 1,304 50,365 82% 15% 3% Highland 13,107 2,727 861 16,695 79% 16% 5% Loma Linda 4,909 3,737 562 9,208 51% 41% 6% Redlands 18,236 7,652 919 68% 29% 4% 26,807 Rialto 19,633 5,639 1,803 27,075 73% 21% 7% San Bernardino County 515,492 129,712 45,0 00 690,234 75% 19% 7% Source:Stale of California,Department of Finance,E-5 Population and Housing Estimates for Cities,Counties and the State,2001-2009.with 2000 Benchmark.Sacramento,California,May 2009. 3. Housing Tenure and Vacancy Housing tenure describes the arrangement by which a household occupies a housing unit, that is, whether a housing unit is owner occupied or renter occupied. The way housing tenure is distributed in a community can influence different aspects of the local housing market. For example, residential stability is influenced by tenure, as ownership housing typically exhibits lower turnover rate than rental housing. Higher cost burden, which is defined by HUD as the ratio between payment for housing (including utilities) and reported household income, is far more prevalent among renters. A household's tenure is strongly related to household income, composition, and age of the householder. San Bernardino is closely split between owner- and renter-occupied housing units, with 49 percent owner occupied and 43 percent renter occupied. The remaining eight percent of housing units were vacant in 2008 (Table 18). Table r r 008 Jurisdiction Owner-Occupied Renter-Occupied Vacant Units Housing Units Housing Units San Bernardino 1 30,977 49% 27,627 43% 5,323(8%) San Bernardino County 1 365,279 53°% 215,082 31% 107,009 16% Source:U.S.Census Bureau,2008 American Community Survey Chapter 2: Community Profile 33 City of San Bernardino Analysis of Impediments to Fair Housing Choice 4. Housing Condition State and federal housing programs typically consider the age of a community's housing stock when estimating rehabilitation needs. In general, most homes begin to require major repairs or have significant rehabilitation needs at 30 or 40 years of age. Approximately 49 percent of the housing stock in San Bernardino is over 30 years old (Table 19), indicating the possibility of needed repair and rehabilitation for almost half of the City's housing stock. In rental units, landlords may not complete needed maintenance or repairs requested by tenants as buildings begin to age. Some tenants have resorted to reporting the conditions to the City's Code Compliance Department or County Health Department. Table Age of • • Stock- 2008 Numb1120,497 Percent of Total Year Built San Bernardino San San Bernardino Bemardino Bernardino Count 1939 or Earlier 5,710 9% 4% 1940-1949 5,820 0 9% 4% 1950-1959 13,191 8 21% 12% 1960-1969 8,114 2 13% 11% 1970-1979 10,082 7 16% 18% 1980- 1989 12,354 163,554 19% 24% 1990-1999 4,894 91,457 8% 13% 2000-2004 2,206 64,461 3% 9% 2005 or Later 1,556 33,804 2% 5% Total 63,927 687,370 1 100% 100% Source:U.S.Census Bureau,2008 American Community Sum The U.S. Census Bureau's 2008 American Community Survey contains information regarding the number of housing units that lack complete plumbing or complete kitchen facilities. These conditions are both indicators of deficient housing units. Approximately 537 units in San Bernardino lacked complete plumbing and 488 units were without kitchen facilities (Table 20). The percentage of units in the City that lacked complete plumbing was slightly higher than in the county as a whole. The percentage of units lacking complete kitchen facilities was the same for both the City and the county. .• 1: Housing Stock 1 11' Units Lacking Complete Units Lacking Complete Jurisdiction Plumbing Kitchen Facilities Number of I %of Total Number %of Total Units Occupied Units of Units Occupied Units San Bernardino 537 0.90% 488 0.80% San Bernardino Count 3,256 0.60% 4,921 0.80% Source:U.S.Census Bureau,2008 American Commung SuNe Chapter 2: Community Profile 34 City of San Bernardino Analysis of Impediments to Fair Housing Choice Lead-Based Paint Hazards Lead poisoning can affect nearly every system in the body and its effects are especially harmful to young children. According to the Centers for Disease Control (CDC), approximately 250,000 children aged one to five years in the United States have elevated levels of lead in their blood. Several factors contribute to higher incidents of lead poisoning: • All children under the age of six years at old are at higher risk. • Children living at or below the poverty line are at a higher risk. • Children in older housing are at higher risk. • Children of some racial and ethnic groups and those living in older housing are at disproportionately higher risk. The CDC has determined that a child with a blood lead level of 15 to 19 micrograms per deciliter (#g/dl) is at high risk for lead poisoning and a child with a blood lead level above 19 /jg/dl requires full medical evaluation and public health follow-up. Lead Hazards Between 2006 and 2009 (three years), the County of San Bernardino Department of Public Health's Childhood Lead Poisoning Prevention Program reported 396 children with elevated blood lead levels (BLL) of 10 micrograms per deciliter (mcg/dL) or greater. The cities of San Bernardino, Fontana, Ontario, and Colton had the highest number of cases, respectively. Cases in the City of San Bernardino accounted for 32 percent of total cases in the County during that three-year period. Estimating Number of Housing Units with Lead-Based Paint The age of the housing stock is an important factor in estimating the number of housing units with lead-based paint. In 1978, the use of lead-based paint on residential property was prohibited. National studies estimate that approximately 70 percent of all residential structures built prior to 1978 contain lead-based paint (LBP), and older structures have the highest percentage of LBP. CHAS data provides the number of housing units constructed before 1970 that were occupied by lower income households. This data can be used to approximate the extent of LBP hazards among lower income households. While information on units constructed before 1978 is not available from CHAS, estimates based on the pre-1970 stock provide a conservative depiction of the extent of LBP hazards. Citywide, approximately 1,023 units occupied by extremely low income households, 3,120 units occupied by low income households, and 4,276 units occupied by moderate income households may contain LBP (Table 21). Chapter 2: Community Profile 35 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 21: Number • Occupied r rr• Income Number of Units Occupied by Percent Estimated Number of Units with LBP Year Units Low/Moderate Income Households Units by Low/Moderate and Occupied rate Income Households with Built Extremely Low Moderate LBPz Extremely Low Moderate Low' Low Before 1970 1,461 4,458 1 6,109 70% 1,023 1 3,120 1 4,276 1.Owner occuped units for extremely low income group not available.Figure indudes only rental units 2.Conservative estimate of potential lead hazard Source:HUD CHAS Data,2004. F. Housing Costs and Affordability Some housing problems are directly related to the cost of housing in a community. If housing costs are relatively high in comparison to household income, a correspondingly high prevalence of housing cost burden and overcrowding occurs. However, housing affordability alone is not necessarily a fair housing issue. Fair housing concerns may arise only when housing affordability interacts with factors covered under the fair housing laws, such as household type, composition, and race/ethnicity. 1. Ownership Housing Cost Table 22 shows the median home prices for San Bernardino and surrounding jurisdictions in both October 2008 and 2009. The median home price in San Bernardino decreased by 29 percent between October 2008 and 2009, from $120,000 to $85,000. San Bernardino County as a whole, along with a majority of the cities within the county, had a similar decline in home prices, representative of the national housing and economic crisis. The median home price for the City of San Bernardino has remained approximately half that of the county during the decline. Tab dian Home 11• Jurisdiction Units Sold Median Home Prices %Change October 2009 October 2008 October 2009 Oct 2008-Oct 2009 San Bernardino 367 $120,000 $85,500 -29% Adelanto 87 $122,250 $90,500 -26% Barstow 42 $95,000 $60,750 -36% Big Bear Lake 51 $335,000 $250,000 -25% Colton 57 $159,000 $110,000 -31% Fontana 363 $247,250 $210,500 -15% Grand Terrace 13 $241,250 $175,000 -28% Highland 67 $222,000 $160,000 -28% Loma Linda 15 $335,500 $188,000 -44% Redlands 60 $253,500 $260,000 3% Rialto 158 $190,000 $146,000 -23% Yucaipa 60 $258,500 $196,750 -24% San Bernardino Counl 3,176 $200,000 $150,000 25% Source:Data Quick Information systems,2009 Chapter 2: Community Profile 36 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Rental Housing Cost Given the large rental market in the City (43 percent of all housing units are rented), it is important to evaluate the affordability of the housing stock available for rent. The following are rental rates in 2010, based on an internet search of available listings: • Studio: $525 - $700 • One-bedroom apartment: $625 - $790 • Two-bedroom apartment: $795 - $900 • Three-bedroom apartment: $900 - $1 ,250 • Three-bedroom home: $1,100 - $2,200 3. Housing Affordability While affordability is not a fair housing issue, it does affect housing choice. Fair housing concerns may also arise when housing affordability issues disproportionately affect groups that are protected by fair housing laws. Housing affordability for a household is dependent upon income and housing costs. Using income limits established by HUD, current housing affordability can be estimated for the various income groups (Table 23). Given the median home prices presented in Table 22, homeownership and market rents may be within the reach of some low and moderate income households, mostly due to recent declines in home prices. However, extremely low income households cannot afford market rents in the City of San Bernardino. Chapter 2: Community Profile 37 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table r r r Affordability Income Levels Taxes Maximum Affordable Income Group Utilities and Housing Casts P Annual Affordable Insurance Home Rental Income Payment Extreme) Low(0-30%ME'- One Person $14,000 1 $350 1 $50 $80 1 $38,674 1 $300 Small Family $18,000 1 $450 1 $50 ji $90 1 $54,495 1 $400 Large Family $21,600 1 $540 1 $50 1 $100 1 $68,558 1 $490 Low 30-50%MFI) One Person $23,300 $583 $50 $115 $73,392 $533 Small Family $29,950 $749 $100 $130 $91,191 $649 Large Family $35,950 $899 $150 $145 1 $106,133 $749 Moderate(50-80%MA One Person $37,300 $933 $50 $165 $126,129 $883 Small Famil $47,950 $1,199 $100 $190 $159,749 $1,099 Large Family $57,550 1 $1,439 $150 1 $220 1 $187,875 1 $1,289 Notes: 1.Small Family=3 persons;Large Families=5 or more persons 2.Utility costs for renters assumed at$501$100/$150 per month 3.Monthly affordable rent based on payments of no more than 30%of household income 4.Property Was and insurance based on averages for the region 5.Calculation of affordable home sales prices based on a down payment of 10%,annual interest rate of 6.5%,30-year mortgage, and monthly payment of gross household income 6.Median Family Income in 2009 for San Bernardino Count =$65,400 4. Housing Cost Burden State and federal standards specify that a household experiences a housing cost burden if it pays 30 percent or more of its gross income on housing. Households experiencing housing cost burden often have limited remaining income for other necessities. Upper- income households generally are capable of paying a larger proportion of income for housing; therefore, estimates of housing cost burden generally focus on low and moderate income households. Table 24 shows the distribution of households experiencing housing cost burden in the City of San Bernardino. A higher percentage of renter households (48 percent) were affected by cost burden than all households in the City (38 percent). Table . Housing Cost by 000 City of San Bernardino I San Bemardino Coun Housing Problem Number %of Number %of Households I Households Cast Burden All Households 21,318 38°� 176,990 34% Owner-Occupied 8,544 29% 100,247 30% Renter-Occupied 12,789 48% 77,189 41% Source:HUD CHAS,2004 Chapter 2: Community Profile 38 1 City of San Bernardino Analysis of Impediments to Fair Housing Choice 5. Overcrowding Overcrowding is an important indicator of household need. An overcrowded household is defined as one with more than one person per room, excluding bathrooms, kitchens, hallways, and porches. Severely overcrowded households are those with more than 1.5 persons per room. Unit overcrowding typically results from the combined effect of low earnings and high housing costs in a community, and reflects the inability of households to buy or rent housing that provides a reasonable level of privacy and space. Overcrowding accelerates deterioration of homes and infrastructure, and results in a shortage of on-site parking. The 2008 American Community Survey reports that 15.1 percent of occupied housing in the City is overcrowded. The incidence of overcrowding in the City of San Bernardino is much higher than countywide (8.6 percent). Severely overcrowded households are also more prevalent in the City than the county at large; 6.3 percent of households in the City were overcrowded in 2008, compared to 2.5 percent in the county (Table 25). � r %of All Housing Units San Bernardino San Bernardino County Overcrowded 1.01-1.5 rsonstroom 8.8% 6.1% Severe) Overcrowded >1.5 persons/room) 603% 2.5°� Total Overcrowded >1.0 person/room) 15.1% 8.6% Source:U.S.Census Bureau,2088 Amedcen Community Sune The prevalence of overcrowding varies significantly by income, tenure type, and size of household. Generally, lower-income households and large families are disproportionately affected by overcrowding. However, cultural differences also contribute to the overcrowding condition since some cultures tend to have larger household sizes. As indicated in Table 26, overcrowding is more than twice as likely to occur in renter- , occupied housing units (21 .4 percent) versus owner-occupied units (9.4 percent). i .r r � � r r r r r • II ' %of All Owner Occupied %of All Renter Occupied Housing Units Housing Units j Overcrowded 1.01-1.5 rsons/room 7.4% 10.2% Severely Overcrowded >1.5 persons/room) 2.0% 11.1% Total Overcrowded >1.0 person/room) 9.4% 21.4% Source:U.S.Census Bureau,2008 American Cornmunfty SuNe 1 I ( k i Chapter 2: Community Profile 39 k City of San Bernardino Analysis of Impediments to Fair Housing Choice G. Public and Assisted Housing Profile The availability and location of public and assisted housing may be a fair housing concern. If such housing is concentrated in one area of a community, a household seeking affordable housing is limited to choices within that area. In addition, public/assisted housing and Section 8 Housing Choice Voucher assistance should be accessible to lower income households regardless of race/ethnicity, disability, or other protected class status. 1. Public Housing The Housing Authority of the County of San Bernardino (HACSB) manages 1,661 units of public housing throughout the County of San Bernardino. These units were developed with funding from HUD, and HACSB continues to receive operating subsidies for these units. Throughout the years, other non-HUD units were either acquired and/or developed through various partnerships with the state of California, San Bernardino County of Community Development and Housing, various cities and Housing Partners, Inc., a non-profit housing corporation. Throughout the County, HACSB has 1,136 authority-owned units, and 154 of those units are located in the City of San Bernardino. There are 19,807 people on the public housing waiting list; 5,780 of those live in the City of San Bernardino. The demographic information of public housing residents in both the County and City of San Bernardino is presented in Table 27. More than a quarter of public housing households have a disabled member and 10 percent have an elderly member. With regard to race, public housing residents are most likely to be White or Black (49 percent and 40 percent, respectively). Almost half (46 percent) of public housing residents are of Hispanic origin. Demographic information of the public housing waiting list is not available. Chapter 2: Community Profile 40 City of San Bernardino Analysis of Impediments to Fair Housing Choice . r r � '• �• 1• rr . r Characteristic City of San County Bemardino Special Needs Eldedy 10.3% 7.0% Disabled 25.4% 13.0% Race White 48.7% 56.5% Black 39.5% 36.1% American Indian 0.2% 0.6% Asian 6.2% 4.9% Native Hawaiian 2.5% 1.9% Other/Declined to Answer 2.9% Ethnicity Hispanic 46.1% 44.7% Non-Hispanic 53.1% 54.8% Declined to Answer 0.8% 0.5% Notes: 1. Data for family type calculates percentage of families with any family member exhibiting characteristic 2. Data for ethnicity accounts for all persons in households receiving housing choice vouchers Source:Housing Authority of the County of San Bernardino,2010 2. Tenant-Based Rental Housing Assistance Section 8 is a rent subsidy program that helps low income families (those earning up to 50 percent MFII and seniors pay rents in private units. Section 8 tenants pay a minimum of 30 percent of their income for rent and the Housing Authority through funds provided by HUD pays the difference, up to the payment standard established by the Housing Authority. The program offers low income households the opportunity to obtain affordable, privately-owned rental housing and to increase their housing choices. The Housing Authority establishes payment standards based on HUD-established fair market rents. The owner's asking price must be supported by comparable rents in the area. Any amount in excess of the payment standard is paid by the program participant. As of 2009, 7,771 households received a Housing Choice Voucher (HCV), commonly referred to as Section 8, in the County of San Bernardino. Residents in the City of San Bernardino receive the largest proportion of those vouchers (2,249 vouchers). Countywide, approximately 68 percent of HCV recipients have children, are seniors, or are individuals with disabilities; approximately 47 percent are households with children, nine percent of households are headed by seniors, and 20 percent of all residents receiving a Housing Choice Voucher are disabled. The waiting list for the HCV Program has over 27,000 applicants, 7,453 of which are residents of the City of San Bernardino. Table 24 presents the demographic characteristics of HCV participants and those on the HCV waiting list. Chapter 2: Community Profile 41 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Demographics of r r Choice Voucher r .nts anr List Waiting Partici ants Waitin List City of San County City of San County Bemardino Bemardino Totals 2,249 7,771 7,453 27,412 Family Type Elderly 17.6% 9.0% 5.0% 5.9% Disabled 44.3% 20.0% 6.4% 1 1.6% Race While 36.8% 42.3% 22.1% 24.7% Black 55.2% 55.4% 56.7% 54.9% American Indian 0.5% 0.6% 1.3% 1.6% Asian 1.5% 1.6% 1.2% 1.1% Native Hawaiian 0.0% 0.1% 0.7% 0.7% Other/Declined to Answer 6.0% - 18.0% 16.9% Ethnicity Hispanic 28.0% 25.2% 27.4% 25.6% Non-Hispanic 72.0% 74.8% 1 62.7% 1 63.9% Declined to Answer 9.8% 1 10.4% Notes: 1. Waiting list was closed to new applicants in 2007 2. Data for family type calculates percentage of families with any family member exhibiting characteristic 3. Data for ethnicity accounts for all persons in households receiving housing choice vouchers Source:Housing Authority of the County of San Bernardino,2010 More than 44 percent of HCV participants are disabled, and almost 18 percent are elderly. More than half of HCV participants are Black (55 percent) and 28 percent are Hispanic. With regard to the waiting list, a small percentage of households contain an elderly or disabled member (5 percent and 6 percent, respectively). Racial/Ethnic characteristics of those on the HCV waiting list are predominantly similar to those persons currently receiving HCV assistance. Chapter 2: Community Profile 42 i City of San Bernardino Analysis of Impediments to Fair Housing Choice 3. Project-Based Rental Housing Assistance In addition to public housing and Section 8 assistance, 11 federally assisted multi- ] family housing projects provide 1,009 affordable housing units in the City of San Bernardino. Error! Reference source not found. provides data on the City's federally assisted multi-family housing stock. All of these developments maintain project-based Section 8 rental assistance or other subsidies to ensure affordability of the units to low income households. Table 29: Federally Assisted Multi-Family Housinq Assisted Potential Project Total Units Units Program Earliest Expiration AHEPA 302 Apartments Gilbert and Parkside 90 90 Section 202 2064 Lutheran Senior 2355 N, Osborn Road 50 49 Bond/HOME 2040 Little Zion Manor 2000 Jubilee Ct. 125 125 Section 8 2021 Pioneer Street Plaza 540 North F Street 161 160 Section 8/RDA L/M 2055 San Bernardino Senior Housing 74 74 Section 2021 HOME 2056 1530 W. Baseline Street St. Bemardine Plaza 150 148 Section 2021 HOME 2034 584 West 5th Street Sterling Village 74 74 Section 8 4/28/2013 7630 Sterling Avenue TELACU I Sierra Vista 75 75 Section 202 2057 650 W 6th Street TELACU II Monte Vista 451 H Street 75 75 Section 202 2057 TELACU III Buena Vista 75 74 Section 202 2059 365 E Commercial Village Green Apartments 184 65 Section 8 5/31/2010 2122 Chestnut Street Total 1,133 1 1,009 H. Community Facilities The City of San Bernardino has a wide array of public and private facilities to meet the needs of its residents, including those with special needs and lower incomes. These facilities provide important services including after-school programs, assistance/advocacy programs, educational programs, job training, and recreational activities. The City continues to expand its inventory of park and recreational facilities to accommodate the growing population. Chapter 2: Community Profile 43 City of San Bernardino Analysis of Impediments to Fair Housing Choice There are a total of 52 developed parks and recreational facilities in the City including 19 neighborhood parks, 10 community parks, 17 mini-parks, three regional parks, and three special facilities (including community buildings and senior centers). These parks contain a range of facilities, including children's play equipment, tennis and volleyball courts, and athletic fields. The City provides recreational services at the local schools located throughout San Bernardino under a joint resolution adopted by the Common Council and the school district. The schoolyard facilities remain open in the daytime hours after school for recreational use of the community. The City Parks, Recreation, and Community Services Department operates a variety of recreational programs on school grounds, including the Tiny Tot program, Senior Citizen leisure programs, and active and passive programs for all age groups including after-school activities during the regular school year. For the use of school building facilities and pools, the City pays rental fees. San Bernardino is home to seven community centers that offer a variety of leisure and social activities for all ages and cultural interests, such as youth and adult sports, summer and off-track lunch program, teen and youth clubs, tutoring, arts and crafts, senior nutrition, family night, etc. The centers also act as a focal point for collaboration and partnership with other organizations and agencies to provide specialized services and resources such as the HeartSmart Program, English as a Second Language classes, teen pregnancy prevention programs, immunization, health screenings, food distribution, and Headstart. I. Licensed Community Care Facilities Persons with special needs such as the elderly and those with disabilities must also have access to housing in a community. Community care facilities provide supportive housing environments to persons with special needs in a group setting. Restrictions that prevent this type of housing from locating in a community impede equal access to adequate housing for special needs groups. A summary of Licensed Community Care Facilities in San Bernardino that serve some of the special needs groups is provided in Table 30. There are 65 licensed community care facilities located in San Bernardino with a total capacity to serve a total of 1,083 persons. Table 1 • r Community Care Facilities 2009 Capacity(Number of Total Number of Type of Facility Facilities Beds or Persons) Total Adult Day Care 6 295 Adult Residential Facility 40 336 Group Home 9 54 Residential Care for the Elderly 10 398 Total 65 1,083 Source:Calrfornia De artment of Social Services,Community Care Limnsing Division,2009 Chapter 2: Community Profile 44 City of San Bernardino Analysis of Impediments to Fair Housing Choice Adult day care facilities provide programs for frail elderly and developmentally disabled and/or mentally disabled adults in a day care setting. Adult residential facilities provide care for developmentally and mentally disabled adults. Group homes are facilities of any capacity and provide 24-hour non-medical care and supervision to children in a structured environment. Group homes can provide social, psychological, and behavioral programs for troubled youths. Residential Care Facilities for the Elderly (RCFEs) can accommodate seniors with dementia and/or those who are non-ambulatory. Figure 6 shows the geographic distribution of these facilities, as well as local emergency shelters, transitional shelters, and transitional housing offering substance abuse services, in relation to low and moderate income areas in San Bernardino. Although there are clusters of facilities in various areas throughout the City, no concentration in the low and moderate income or minority areas is evident. Chapter 2: Community Profile 45 max' a L In i'nS E a 141 tz �. 00 A\ � a �..r=�e �� • a � ! eP„o \� m o es a _ ii r./• m con E w p °1 E •• • • •0 • � a sc Ctmw U N O J f v°+uu3u�i3 N N y O U1 m m ? N Q T A j ° a U Q u v City of San Bernardino Analysis of Impediments to Fair Housing Choice J. Public Transportation Analysis of public transportation options aids the analysis of impediments to fair housing choice because access to public transportation is important to households with low incomes. Public transportation should be available to link lower-income persons, who are often transit dependent, to major employment centers where job opportunities exist. The lack of a relationship between public transportation, employment centers, and affordable housing may impede fair housing choice because persons who depend on public transportation will have limited choices of places to live. In addition, certain special needs groups, such as the elderly and disabled, also often rely on public transportation to run errands, visit the doctor, reach community facilities, or conduct other activities. Public transit that provides a link between job opportunities, public services, and housing ensures that everyone has an equal opportunity of access. Omnitrans provides public transportation services to the City of San Bernardino and surrounding areas of San Bernardino County. There are12 fixed-route bus lines that provide transportation to the residents of the City of San Bernardino (Table 31). Omnitrans is also developing the San Bernardino Express (sbX) Bus Rapid Transit Line, projected to start service in 2013. The proposed 15.7-mile E Street Corridor of the sbX is planned to connect California State University San Bernardino, downtown San Bernardino, Hospitality Lane, Loma Linda University Medical Center and the Jerry Pettis Memorial Veterans Health Center. Omnitrans envisions that the sbX will boost mobility between heavily traveled areas of San Bernardino and create a new transit alternative for key downtown workforce centers, including San Bernardino City Hall, the San Bernardino Superior Courthouse, and the San Bernardino County Government Center. Chapter 2: Community Profile 47 City of San Bernardino Analysis of Impediments to Fair Housing Choice Fixed-Route Table 31: Ornnitranb Route Name Descri l on of Route 1 ARMC-San Bernardino-Del Rosa.This route connects Colton and San Bernardino. 2 Cal State - E-St. - Loma Linda. This route connects Cal Stale San Bernardino and Loma Linda. 3&4 Baseline - Highland - San Bernardino. Route 3 connects West San Bernardino, Baseline, and Highland. Route 4 connects West San Bernardino and Highland. 5 San Bernardino- Del Rosa-Cal State. This route connects San Bernardino and Del Rosa and Cal State San Bernardino. 7 N. San Bernardino - Sierra Way - San Bernardino. This route connects San Bernardino, Sierra Way, and Verdemonte. 8 San Bernardino- Menton -Yucaipa. This route connects San Bernardino with Mentone and Yucaipa. 9 San Bernardino- Redlands-Yucaipa. This route connects San Bernardino with Mentone and Yucaipa. 10 Fontana- Baseline- San Bernardino. This route connects San Bernardino to Baseline and Fontana. 11 San Bernardino-Muscoy- Cal State. This route connects downtown San Bernardino with Musco . 14 Fontana- Foothill- San Bernardino. This route connects San Bernardino with Foothill and Fontana. 15 San Bernardino/Highland - Redlands. This route connects San Bernardino to Rialto and Fontana. i 215 San Bernardino-Riverside.This route connects San Bernardino and Riverside. Source:Omn%raps,2009 1. Public Transit Accessibility All Omnitrans vehicles support the needs of the disabled community and are equipped with lifts or ramps to aid with boarding of wheelchairs or other mobility devices. Riders with disabilities, along with the elderly, are entitled to ride Omnitrans buses at a reduced fare. Additionally, Omnitrans offers a pre-reservation, shared ride service called Access. Access is designed to meet ADA requirements and provides equal access to public transportation for persons who are physically or cognitively unable to use regular bus service. Access provides curb-to-curb service to complement the Omnitrans fixed-route bus system. The Access service area is defined as up to 0.75 mile on either side of an existing bus route. The use of Access requires reservations at least one day but no more than seven days in advance. 2. Major Employers in San Bernardino Twelve of the largest employers in the City, along with their location, are identified in Table 32. The three largest employers in San Bernardino in 2008 were the County of San Bernardino, Stater Brothers Markets, and the San Bernardino City Unified School Chapter 2: Community Profile 48 City of San Bernardino Analysis of Impediments to Fair Housing Choice District. Figure 7 shows the location of these 10 major employers in relation to public transportation routes offered by Omnitrans. Table r ro Bernardino 2008 Employer Name Approximate Location Em to ees County of San Bernardino 18,000 385 N Arrowhead Ave' Stater Brothers Markets 7,9002 301 S Tippecanoe Ave San Bernardino City Unified School District 7,722 777 North F St Patton State Hospital 2,500 3102 E Highland Ave San Manuel Band of Mission Indians 2,500 Various Locations California State University San Bernardino 2,100 5500 University Parkway St.Bernardine Medical Center 1,538 2101 North Waterman Ave City of San Bernardino 1,500 300 North D St3 Burlington Northern Santa Fe Railway Rail and 1,500 1535 W 4th St Community Hospital of San Bernardino 1,200 1805 Medical Center Dr California State Department of Transportation 1,000 464 W 4th St Inland Center Mall 1,000 500 Inland Center Dr 1 Address reflects San Bernardino County's main government building;San Bernardino County employees are distributed amongst various County facilities within the City. 2 Amount accounts for all persons employed by Stater Brothers-including employees working at store locations outside the City; Employee totals for corporate headquarters and distribution center in the City were unavailable. 3 Address reflects San Bernardino City Hall;City of San Bernardino employees are distributed amongst various City facilities within the City. Source:City of San Bernardino Economic Development Agency,2008 Chapter 2: Community Profile 49 y « W ;x� az is o pa a0 F O o � eL9 wm° m � nR f t � o _ $F o Q LL e W aPUiw O .d• 'L MC O � �1 d✓ � • u.0 o 0 0 EL y m V E N Y p C d \ W m » W m m N \ F N m n n` \ � 1plQ 1plU m 1p1N 1pZ V®11 ypN 1e eN1 lgu l® lqN n O ? y U L « UQ oTT TTTT TT TTT f»o z0 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 3 Lending Practices A key aspect of fair housing choice is equal access to credit for the purchase or improvement of a home. Lending policies and requirements related to credit history, current credit rating, employment history and general character of applicants permit lenders to use a great deal of discretion and in the process deny loans even though the prospective borrower would have been an acceptable risk. This chapter reviews the lending practices of financial institutions and the access to home loans for minorities and all income groups. A. Background Discriminatory practices in home mortgage lending have evolved in the last five to six decades. In the 1940s and 1950s, racial discrimination in mortgage lending was easy to spot. From government-sponsored racial covenants to the redlining practices of private mortgage lenders and financial institutions, minorities were denied access to home mortgages in ways that severely limited their ability to purchase a home. Discriminatory lending practices today are more subtle and take varying forms. While mortgage loans are readily available in low income minority communities, some mortgage brokers push minority borrowers into higher-cost subprime mortgages that can lead to financial problems by employing high-pressure sales practices and deceptive tactics. Consequently, minority consumers regardless of their credit history, income and other individual financial considerations continue to have less-than-equal access to loans at the best price and on the best terms that are possible for them. 1. Legislative Protection The passage of the Community Reinvestment Act (CRA) in 1977 was designed to improve access to credit for all members of the community. The CRA is intended to encourage regulated financial institutions to help meet the credit needs of entire communities, including low and moderate income neighborhoods. The CRA requires that each insured depositary institution's records in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities, including mergers and acquisitions. In tandem with the CRA, the Home Mortgage Disclosure Act (HMDA), initially enacted in 1975 and substantially expanded in 1989, required banks to disclose detailed information about their mortgage lending. The law aimed to curb discrimination compelled banks, savings and loan associations and other lending institutions to report annually the amounts and geographical distribution of their mortgage applications, origins and purchases disaggregated by race, gender, annual income and other Chapter 3: Lending Practices 51 City of San Bernardino Analysis of Impediments to Fair Housing Choice characteristics. The data, collected and disclosed by the Federal Financial Institutions Examination Council, were made available to the public and to financial regulators to determine if lenders were serving the housing needs of the communities where they were located. Detailed HMDA data for conventional and government-backed home purchased and home improvement loans in San Bernardino are presented in this chapter. 2. Conventional versus Government-Backed Financing Conventional financing involved market-rate loans provided by private lending institutions such as banks, mortgage companies, savings and loans and thrift institutions. To assist lower and moderate income households that may have difficulty in obtaining home mortgage financing in the private market due to income and equity issues, several government agencies offer loan products that have below market rate interests and insured ('backed") by the agencies. Sources of government backed financing include loans insured by the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), and the Rural Housing Services/Farm Service Agency (RHA/FSA). Often government-backed loans are offered to the consumers through private lending institutions. Local programs such as first-time homebuyer and rehabilitation programs are not subject to HMDA reporting requirements. Typically, low income households have a much better chance of getting a government- assisted loan than a conventional loan. However, the recent lending market offered sub-prime loan options such as zero percent down, interest-only and adjustable loans. As a result, government-backed loans have been a less attractive option for many households. With the recent difficulties in the sub-prime housing market, however, this option is no longer available and many households are facing foreclosure. In response, the federal government in September 2007 created a government-insured foreclosure avoidance initiative, FHASecure, to assist tens of thousands of borrowers nation-wide in refinancing their sub-prime home loans. As government-backed loans are again publicized and sub-prime loans are less of an option to borrowers, the increased use of government-backed loan applications is likely. However, expanded marketing to assist potential homeowners in understanding the requirements and benefits of these loans may be necessary. B. Conventional Home Loans 1. Home Purchase Loans Conventional loan approval and denial rates among racial and ethnic groups in San Bernardino from 2003 and 2008 are compared in Table 33 and Table 34. A total of 1,965 households applied for conventional home loans in San Bernardino in 2008 (Table 34).° This represents a significant decrease in the number of loan applications ° HMDA data for 2009 will not be released until late 2010. Chapter 3: Lending Practices 52 City of San Bernardino Analysis of Impediments to Fair Housing Choice from 2003 (Table 33). The overall approval rate of 54 percent in 2003 declined to 42 percent by 2008. There was also a greater rate of denial in 2008; 23 percent in 2008 compared to 17 percent in 2003. The lower number of applications as well the higher denial rate and lower approval rate are all indicators of the housing market crash. In 2008 it was significantly more difficult to secure home financing than it was in 2003. San Bernardino County had similar loan trends among racial groups in 2003 and 2008. In the County, the highest proportion of loan applications was among White residents (31 percent in 2003 and 32 percent in 2008) and Hispanic residents (27 percent in 2003 and 29 percent in 2008). In the City, more Hispanic residents applied for home loans than White residents. Rates of approval and denial are similar between the City and the County. The "Loans Purchased" column represents loans that were approved/originated by one lender but were sold to another lender. These loans usually apply to subprime loans, as discussed below. In 2008, the highest proportion of loans purchased was within the group that did not report race (the "Not Applicable" group). Among those that did report their race, Asian households had the highest proportion of loans purchased. In 2003, the proportions of loans purchased were fairly comparable among all groups with the exception of the "Not Applicable" group which had a high rate of loans purchased. Table Disposition of r r r.n Applications by • of rrr 11 Total Approved Denied Withdrawn Loans Race/Ethnicity Closed Purchased Native American 38 0.5% 25 65.8% 7 18.4% 1 2.6% 5 13.20% Asian 310 4.5% 211 68.1% 49 15.8% 20 6.5% 30 9.7% Black 588 8.4% 329 56.0% 138 23.5% 56 9.5% 65 11.1% Hispanic 2,643 .38.0% 1,560 59.0% 494 18.7% 276 10.4% 313 11.8% White 1,484 21.3% 912 61.5% 215 14.5% 130 8.8% 227 15.3% Joint 156 2.2% 100 64.10 29 18.6% 10 6.4% 17 10.9% Other 99 1.4% 67 67.7% 14 14.1% 7 7.1% 11 11.1% Not Available 1,646 1 23.6% 564 34.3% 211 12.8% 109 6.6% 762 46.3% Total 6,964 1 100.0% 3,768 54.1% 1,157 1 16.6% 609 8.7% 1 1,430 20.5% Source:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications, Chapter 3: Lending Practices 53 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Disposition of C° °me Purchase Loan Applications by Applicant - 11: T521.80/6 Approved T21528.6 Withdrawn or Loans Race/Ethnicity Closed Purchased # # % T347.9%% # % Joint Hispanic and 37 25 67.6% .1% 5 13.5% Non-Hispanic Not Available 428 98 22.8% 235 54.9% His anic 752 341 45.3% .8% 92 12.2% Non-Hispanic Groups Native American 6 0.3% 1 16.7% 2 33.3% 2 33.3% 1 16.7% Asian 158 8.0% 65 41.1% 33 20.9% 20 12.7% 40 25.3% Black 80 4.1% 25 31.3% 26 32.5% 18 22.5% 11 13.8% Pac. Island 4 0.2% 3 75.0% 1 25.0% 0 0.0% 0 0.0% White 466 23.7% 244 52.4% 107 23.0% 47 10.1% 68 14.6% 2 or more minorities 1 0.1% 1 100.0% 0 0.0% 0 0.0% 0 0.0% Joint 15 0.8% 8 53.3% 5 33.3% 1 6.7% 1 6.7% Not Available 18 0.9% 10 55.6% 4 22.2% 2 11.1% 2 11.1% Total 1,965 F 100.09% 821 41.8% 458 23.3% 231 11.8% 455 23.2% Source:HMDA data,2008. Note:Appliwnls who filed jdnt applications can be of different racial backgrounds;however,HMDA data does not provide means of idenf in the racial back rounds ojoint a lications. Among ethnic groups, Hispanic populations accounted for the largest number of loan applications in 2008 and 2003. They also maintained an approval rate of 45 percent in 2008. The second largest group of applicants is the non-Hispanic White population which maintained a higher rate of approval and lower rate of denial than the Hispanic population. The Asian population also had a high number of applications but the approval rate declined from 68 percent in 2003 to 41 percent in 2008. In 2008, the highest levels of denial were among Black, Native American and Joint (all non-Hispanic) as well as Hispanic households. This was also true in 2003. The lowest approval rates in 2008 were among Black and Native American households (excluding Not Applicable). The variance of approval rates between racial/ethnic groups was greater in 2008 compared to 2003. In both 2003 and 2008 the highest proportion (31 percent and 40 percent) of loan applications originated from the highest income group learning over 120 percent of AMI). In 2003, approval and denial rates correlated with applicant income; as applicant income increased, approval rates increased and denial rates decreased. However, in 2008 the highest approval and lowest denial rates were among low and moderate income households. In 2008, during the depth of the housing slump, real estate transactions were focused at the lower end of the price range. Financing was difficult to obtain for higher-priced homes, requiring larger loans and higher incomes. Trends among income groups were similar between the City and County in 2003 and 2008. The higher approval rates and lower denial rates among low and moderate income groups observed in the City in 2008 were also observed in the County. Chapter 3: Lending Practices 54 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Disposition of • •nal Home Purchase Loan Applications by r Applicant 0 ApplicantWithdrawn or Loans Income Total Approved Denied Closed Purchased %MFI # % # % # % # % # % <50% 286 4.1% 136 47.6% 81 28.3% 42 14.7% 27 9.4% 50%to<80% 1,280 18.4% 739 57.7% 251 19.6% 124 9.7% 166 13.0% 80%to< 100% 1,273 18.3% 775 60.9% 238 18.7% 100 7.9% 160 12.6% 100%to<120% 985 14.1% 595 60.4% 178 18.1% 94 9.5% 118 12.0% >=120% 2,169 31.1% 1,370 63.2% 367 16.9% 194 8.9% 238 11.0% Not Available 971 13.9% 153 15.8% 42 4.3% 55 5.7% 721 74.3% Total 6,964 100.0% 3,768 54.1% 1,157 16.6% 609 8.7% 1,430 20.5% Source:HMDA data,2003. Note:AMI=Area Median Income. Table Disposition of • •nal Home Purchase Loan Applications by Applicant 00 Applicant Total Approved Denied Withdrawn or Loans Income Closed Purchased (%MR) # % # % # % # % # % <50% 83 4.2% 30 36.1% 36 43.4% 11 13.3% 6 7.2% 50%to<80% 312 15.9% 149 47.8% 71 22.8% 44 14.1% 48 15.4% 80%to< 100% 298 15.2% 146 49.0% 72 24.2% 33 11.1% 47 15.8% 100%to<120% 280 14.2% 121 43.2% 74 26.4% 36 12.9% 49 17.5% >=120% 797 40.6% 362 45.4% 200 25.1% 103 12.9% 132 16.6% Not Available 195 9.9% 13 6.7% 5 2.6% 4 2.1% 173 88.7% Total 1,965 100.0% 821 41.8% 458 At/. 231 11.8% 455 23.2% Source:HMDA data,2008. Note: AMI=Area Median Income The HMDA data reveals that racial composition of conventional home loan applicants is somewhat different than the racial composition of City residents (Table 37). The major discrepancies are among Asian and Black residents. The proportion of Asian applicants was double the proportion of Asian residents while the proportion of Black applicants was only a quarter of the proportion of Black residents. Chapter 3: Lending Practices 55 City of San Bernardino Analysis of Impediments to Fair Housing Choice Race/Ethnicity %of Total %of Total Applications Population Hispanic 38.3% 47.5% Not Available 22.7% Joint Hispanic and Non-Hispanic 1.9% - Non-Hispanic Populations Native American 0.3% 0.3% Asian 8.0% 4.1% Black 4.1% 16.0% Pacific Islander 0.2°A 0.3% White 23.7% 28.9% Joint 0.8% Total 100.0% Notes:'-'indicates that there is no comparable Census category. The'%of Total Population'category will not total 100%because the Census and HMDA race categories are not identical. The Census includes an'Other'and'Two or More Races'category. Sources: 1. Bureau of the Census,2000 2. HMDA data,2008 Compared to data from 2003, the racial composition of conventional loan applicants has not shifted significantly. The two most prominent racial groups in the City, Hispanic and White, also represent the two most prominent applicant groups. In 2003 and 2008, Hispanics accounted for 38 percent of all applications and White residents comprised 21 percent of applicants in 2003 and 24 percent in 2008. Analysis of lending patterns for different races/ethnicities of the same income levels can help reveal patterns not discernable when analyzing lending data by race or income separately. While this analysis provides a more in-depth look at lending patterns, it still cannot provide a reason for any discrepancy. Aside from income, many other factors can contribute to the availability of financing, including credit history, the availability and amount of a down payment, and knowledge of the home buying process, among others. The HMDA data does not provide insight into these and many other factors. However, the City should continue to monitor the approval rates among racial/ethnic and income groups and continue to take appropriate actions to remove barriers to financing, including credit counseling, down payment assistance and home buyer education programs. The disposition of conventional home purchase loan applications by race and income is displayed in Table 38 and Table 39. In 2003, a higher proportion of Asian applicants (from nearly all income categories) were approved when compared to other applicants and low income Hispanic applicants were approved at a higher rate than White and Black applicants. Even among the above moderate income group (those making more than 120 percent of MR), approval rates varied by race with 73 percent of Asian, 65 percent of White, 62 percent of Hispanic, and 59 percent of Black applicants. Chapter 3: Lending Practices 56 City of San Bernardino Analysis of Impediments to Fair Housing Choice This loan approval pattern was not observed with analysis of countywide applicants. In 2003, approval rates for San Bernardino County residents were generally comparable for all racial/ethnic groups within the same income category. The City's apparent disparity in lending patterns by race and income in 2003, especially among higher income households with presumably greater capacity to enter the homeownership market, is cause for concern. Table 38: Approval Rates o r r nal Home Purchase Loan Applications by r Income of ' rr 11 Applicant Income I Asian Black I Hispanic White (%MR) Total % Total % Total % Total % <50% 4 80.0% 12 48.0% 80 50.3% 25 50.0% 50%to<80% 26 66.7% 52 49.5% 436 59.2% 112 52.3% 80%to< 100% 34 60.7% 68 61.3% 391 60.5% 154 61.8% 100%to<120% 36 75.0% 60 60.0% 235 57.9% 161 66.0% >= 120% 109 72.7% 134 58.0% 358 61.9% 429 65.1% Not Available 2 16.7% 3 18.8% 60 50.8% 31 45.6% Total 211 68.1% 329 56.0% 1,560 59.0% 912 61.5% Source;HMDA data,2003. Note:AMI=Area Median Income. The large proportion of lower income applicants approved for loans in 2003 is another potential cause for concern. Approximately 50 percent of lower income Black, Hispanic and White applicants and approximately 70 percent of lower income Asian applicants were approved for home purchase loans in 2003 during the peak of the market. An active housing market increases opportunity for predatory lending and it is unclear whether these lower income households were targeted for aggressive marketing and actually able to afford the home loans they were approved for. The higher approval rates for lower income are troubling because it could indicate some of these households were victims of predatory lending. In 2008, approval rates declined overall; however, the disparities observed in 2003 remained with Asian and White applicants approved and Black applicants denied at rates disproportionate to the overall applicant pool. The most striking disparity is observed among the above moderate income group; only 27 percent of Black applicants were approved compared to 48 percent of Asian, 47 percent of Hispanic, and 54 percent of White applicants. Since it is assumed that most households in this income category are financially capable of purchasing homes, the discrepancy in home loan approval rates is disconcerting. As in 2003, the disparate lending patterns observed in the City were not observed among countywide loan applications in 2008. White, Hispanic and Black residents of the County were approved at higher rates than these residents of the City, with the greatest discrepancy among Black applicants. The approval rate for above moderate income Black applicants in the County (46 percent) were substantially higher than City applicants within this income group (27 percent). Chapter 3: Lending Practices 57 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Approval of r nventional Home Purchase Loan Applications by r Income of ' rr 11: Applicant Income Asian 11 B ac I His anic I White %MFI) Total % Total % Total % Total % <50% 1 33.3% 2 28.6% 20 40.8% 6 46.2% 50%to<80% 10 43.5% 5 41.7% 78 52.7% 36 60.0% 80%to<100% 12 63.2% 1 25.0% 79 50.6% 41 58.6% 100%to<120% 8 61.5% 7 46.7% 47 39.8% 33 44.6% >= 120% 34 47.9% 10 27.0% 117 47.0% 124 54.1% Not Available 0 0.0% 0 0.0% 2 5.3% 4 20.1% Total 65 41.1% 25 31.3% 343 45.3% 244 52.4% source:HMDA data,2008. Note: MFI=Median Family Income. 2. Home Improvement Loans In 2003, 945 households applied for conventional home improvement loans compared to only 688 households in 2008.' As is often the case in many communities, the overall level of home improvement loan approvals was lower than that for home purchase loans. Similar to conventional home purchase loans, White and Hispanic residents submitted the largest share of applications in 2003 and 2008. In 2003, White and joint applicants were approved at higher rates than applicants of other races and loan applicants filed by Black applicants were denied disproportionately when compared to others. . r • ' 1 1 r. r r r 1 'AA II Total 59945..6% Denied Withdrawn or Loans RacelEthnicity Closed Purchased # % # % # % # % Native American 6 0.6% 1 16.7% 3 50.0% 0 0.0% Asian 12 1.3% 5 41.7% 2 16.7% 0 0.0% Black 94 9.9% 49 52.1% 13 13.8% 1 1.1% Hispanic 273 28.9% 117 42.9% 40 14.7% 3 1.1% White 217 23.0% 87 40.1% 30 13.8% 1 0.5% Joint 19 2.0% 14 737% 3 15.8% 2 10.5% 0 0.0% Other 19 2.0% 8 42.1% 8 42.1% 3 15.8% 0 0.0% Not Available 305 32.3% 97 31.8% 121 39.7% 72 23.6% 15 4.9% Total 945 100.0% 369 39.0% 391 41.4% 165 17.5% 20 2.1% Source:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of Identifying the racial backgrounds of joint applications. A much larger proportion of home improvement loan applications were denied in 2008 (59 percent) compared to 2003 (41 percent), yet another sign of the tighter financial ' The total number of conventional home improvement loans reported by HMDA differs from the total number of loans by race also reported by HMDA and presented in Table 41. The reason for the difference is unknown. Chapter 3: Lending Practices 58 City of San Bernardino Analysis of Impediments to Fair Housing Choice markets in the later part of the decade. The higher overall denial rate in 2008 did not appear to have affected all applicants. White applicants enjoyed approximately the same rate of approval and denial in 2008 when compared to 2003. However, the proportion of Black, Asian, and Hispanic applicants denied in 2008 was substantially higher than the proportion denied in 2003. These troubling statistics indicate that recent changes in the home improvement loan financing market have disparately impacted minority residents of San Bernardino. Table Disposition of r r nal Home Improvement r. Applications by of Applicant rr: Total Approved Denied Withdrawn or Loans Race/Ethnicity Closed Purchased # % # % # I % # % # % H 1 241 50.8% 48 19.9% 154 1 63.9% 28 11.6% 11 4.6% Non-Hispanic Grou s Native American 5 1.1% 1 120.0% 2 1 40.0% 0 0.0% 2 40.0% Asian 18 3.8% 2 11.1% 13 72.2% 2 11.1% 1 5.6% Black 62 13.1% 6 9.7% 50 80.6% 6 9.7% 0 0.0% Pac Islander 2 0.4% 0 0.0% 2 100.0% 0 0.0% 0 0.0% White 136 28.7% 48 35.3% 56 41.2% 23 16.9% 9 6.6% 2 or More Minority 1 0.2% 0 0.0% 0 0.0% 1 100.0% 0 0.0% Joint 4 0.8% 0 0.0% 0 0.0% 1 100.0% 0 0.0% Not Available 5 1.1% 1 20.0°k 1 20.0°� 2 40.0°k 1 20.0% Total 474 100.0% 106 22.4% 281 59.3% 63 13.3% 24 5.1% Source:HMDA data,2008. _ Note:Applicants who filed joint applications can be of different racial backgrounds,however,HMDA data does not provide means of identifying the racial backgrounds of joint applications. C. Government-Backed Home Loans Government-backed financing represents a potential alternative source of financing for those with difficulty qualifying for a loan in the conventional market. With the income and home price restrictions for government-backed loans, few households in Southern California have been able to take advantage of such financing resources since the home prices escalated in recent years. San Bernardino however tends to have home prices that are within the limits allowed for government-backed financing and therefore has a higher proportion of government-backed loans than most other Southern California cities. 1. Home Purchase Loans City of San Bernardino residents filed nearly as many FHA (government-backed) loan applications (1,428) as conventional loan applications (1,965) in 2008 (Table 421. Most jurisdictions only have a handful of FHA loan applications due to income and home price restrictions. However, households in the City of San Bernardino have a combination of home prices and households that meet the requirements to qualify for government-backed home financing. In 2003, when the home prices were high, the Chapter 3: Lending Practices 59 City of San Bernardino Analysis of Impediments to Fair Housing Choice number of FHA loan applications (2,096) was significantly fewer than the number of conventional loan applications (6,964). Approval rates for government-backed loans in 2003 and 2008 were not similar to those of conventional loans. In 2003, a smaller proportion of FHA loans (44 percent) were approved when compared to conventional loans (54 percent). This pattern reversed by 2008, when a larger proportion of FHA loans 147 percent) were approved when compared to conventional loans (42 percent). Government-backed loans are viewed by investors as less risky compared to conventional loans and therefore have lower denial rates with a higher proportion of loans purchased on the secondary market. Smaller disparities in approval rates were observed among different racial/ethnic groups, ranging from 43 to 56 percent. Table r r. r of r •r Loans - 2003 and 2008 Loan Type Total Approved Denied Withdrawn or Closed Loan Purchased # % % % % 2003 Conventional Home Purchase 6,964 54.1°k 16.6% 8.7% 20.5% FHA Home Purchase 2,096 43.7% 7.2% 6.9% 42.2% 2008 Conventional Home Purchase 1 1,965 1 41.8% 23.3% 11.8% 23.2% FHA Home Purchase 1 1,428 1 46.6% 11.3% 8.1% 34.1°k Source:HMDA data,2003 and 2008. 2. Home Improvement Loans Few San Bernardino residents applied for government-backed home improvement loans in 2003 and 2008. In 2003, none of the four applications were approved compared to approval of only seven of the 14 applications in 2008. In general, households qualified for government-backed financing are lower income households. Few would be able to meet to loan-to-income ratio to carry additional financing for home improvements. D. Major Lenders Serving San Bernardino In 2008, the top ten mortgage lenders active in the City of San Bernardino received 52 percent of the conventional home mortgage loan applications. Among these lenders, Countrywide, Chase, and HFC received the most home purchase loan applications. These three top lenders received approximately 26 percent of all conventional home purchase loan applications, with Countrywide receiving nearly 13 percent. 1. Approval Rates by Lender An analysis of disposition of conventional home purchase loan applications by lending institution contained in Table 43 indicates that approval rates among the top lenders in San Bernardino varied significantly. In 2003, two of the top lenders had approval rates of more than 80 percent and the overall approval rate exceeded 50 percent. In 2008, only one bank had an approval rate over 50 percent and the overall approval rate was Chapter 3: Lending Practices 60 City of San Bernardino Analysis of Impediments to Fair Housing Choice less than 35 percent. In addition, approval rates for some lenders were much lower than the average for all lenders. For example, HFC Company and Citimortgage had approval rates of less than eight percent. Only 11 percent of applications to HFC Company were withdrawn or closed; the bank denied 87 percent of applications. The decreased approval rates are likely due to the changing housing market. Credit has become more difficult to secure so approval rates have decreased. Furthermore, banks have responded to the changing credit markets in different ways, likely contributing to the disparate approval and denial rates among institutions. Table r • • of • •nal Home Mortgage Loan Applications by Institutions rr Total' Approved Denied Withdrawn Lender I or Closed # Market If % # % # % Share Countrywide Home 2,330 8.2% 869 37.3% 74 3.2% 211 9.1% Loans Washington Mutual 1,408 5.0% 625 44.4% 204 14.5% 59 4.2% Bank, FA Bank of America, N.A. 988 3.5% 608 61.5% 1 252 25.5% 44 4.5% Wells Fargo Home Mortgage 953 3.4% 792 83.1% 94 9.9% 26 2.7% GMAC Mortgage 809 2.8% 344 42.5% 167 20.6% 185 22.9% Corporation Ameriquest Mortgage 781 2.7% 86 11.0% 360 46.1% 335 42.9% Company Chase Manhattan 694 2.4% 297 42.8% 69 9.9% 41 5.9% Mortgage Corp Citimorta e, Inc 650 2.3% 77 11.9% 15 2.3% 41 6.3% First Franklin 641 2.3% 519 81.0% 110 17.2% 12 1.9% Financial Corp New Century 634 2.2% 453 71.5% 50 7.9% 74 11.7% Mortgage Corp Market share of Top 9,888 34.7% 4 Ten Lenders ,670 47.2°k 1,395 14.1°k 1,028 10.4°k Total All Lenders 28,467 100.0% 14,305 50.3% 4,922 17.3% 3,775 13.3% Entire Market Source:HMDA data,2003. Note is Total Applications includes the following types of loans,which are not represented in the table or in the other tables of HMDA data:Purchased,Preapproval Denied,Preapproval Approved,not Accepted,and missing(nvalid data. Therefore,the total number of applications for each lender is greater than sum of three columns roved,Denied,and withdrawn). Chapter 3: Lending Practices 61 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Disposition of • •nal Home Mortgage Loan Applications by r Institutions 11: Total Applications' Approved Denied Withdrawn Lender or Closed �, Market # % # % # % Share Countrywide Home 1,056 12.6% 327 31.0% 229 21.7% 116 11.0% Loans JPMorgan Chase Bank, 635 7.6% 91 14.3% 80 12.6% 14 2.2% N.A. HFC Company LLC 528 6.3% 1 13 2.5% 459 86.9% 56 10.6% Bank of America,N.A. 470 5.6% 216 46.0% 162 34.5% 49 10.4% Citimort a e, Inc 373 4.4% 29 7.8% 36 9.7% 48 12.9% Wells Fargo Bank, N.A. 355 4.2% 174 49.0% 102 28.7% 77 21.7% GMAC Mortgage LLC 260 3.1% 30 11.5% 66 25.4% 84 32.3% Wachovia Mortgage 240 2.9% 52 21.6% 93 38.8% 28 11.7% FSB Mountain West 236 2.8% 181 76.7% 24 10.2% 31 131% Financial, Inc Citicorp Trust Bank, 194 2.3% 74 38.1% 120 61.9% 0 0.0% FSB Market Share of Top 41347 51.7% 1,187 27.3% 1,371 31.5% 503 11.6% Ten Lenders Total All Lenders 8,407 100.0% 2,984 34.5% 2,657 31.6% 1,005 12.0% Entire Market Source:HMDA data,2008. Note 1: Total Applications includes the following types of loans,which are not represented in the table a in the other tables of HMDA data:Purchased,Preapproval Denied,Preapproval Approved,not Accepted,and missing/invalid data. Therefore,the total number of applications for each lender is greater than sum of three columns(Approved,Denied,and Withdraw). 2. CRA Rating Depending on the type of institution and total assets, a lender may be examined by different supervising agencies for its CRA performance. A search of the databases for the Federal Reserve Board (FRB), Federal Financial Institutions Examination Council (FFIEC), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC) and the Office of Thrift Supervision (OTS) revealed ratings for the top ten lenders (Table 45). Among the top ten lenders in San Bernardino, seven received an "outstanding" rating. Mountain West Financial, Inc. was considered "satisfactory" while Countrywide was rated "needs to improve" and HFC Company was not rated. Since its rating in 1992, Countrywide has been acquired by Bank of America which had an 'outstanding" rating as of 2001. Chapter 3: Lending Practices 62 City of San Bernardino Analysis of Impediments to Fair Housing Choice r • 45: Lender Ratings Lender Name nN/A Rating Institution Year Countrywide Home Loans Ne FDIC 1992 JPMor an Chase Bank, N.A. Outstanding OCC 2007 HFC Company LLC N/A 2009 Bank of America, N.A. OCC 2001 Citimort a e, Inc OTS 2004 Wells Fargo Bank, N.A. Outstanding OCC 1998 GMAC Mortgage LLC Outstanding FDIC 2005 Wachovia Mortgage FSB Ou tanding OTS 2005 Mountain West Financial, Inc Satisfactory OCC 2008 Citicorp Trust Bank, FSB Outstanding OTS 2007 Source:FFIEC Interagwcy CRA Rating Search, hft //v .fhec. ovlcraralin sldefaultas x,Accessed February 5,M. i E. Lending by Census Tract and Tract Characteristics To identify potential geographic differences in mortgage lending activities, an analysis of the HIMDA data was conducted by Census tract for 2003 and 2008. HMDA also provides the percent minority population within each census tract. Based on the Census, HMDA defines the following income levels: • Low Income Tract - Tract Median Income< = 50 percent County MFI • Moderate Income Tract - Tract Median Income between 51 and 80 percent County MFI • Middle Income Tract - Tract Median Income between 81 and 120 percent County MFI • Upper Income Tract - Tract Median Income>120 percent County MFI In 2008, over 27 percent of the Census tracts in San Bernardino (eight tracts) were categorized as Low Income by HMDA. A plurality of the loan applications, however, was for homes in middle income tracts, which account for six of the 29 tracts in the City. Table 46 below summarizes the home loan approval and denial rates of the City's census tracts by income level for 2003 and 2008. A detailed listing of approval and denial rates for each individual census tract in the City of San Bernardino can be found in the Appendix. In 2003 and 2008, home loan approval rates generally increased as the income level of the census tract increased. Chapter 3: Lending Practices 63 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table Approval r Denial Rates by Income Tract Description Number of Tracts' Total A lications %A roved %Denied 2003 2008 2003 2008 2003 2008 2003 2008 Low Income 8 8 4,018 1,204 48.2% 29.0% 20.0% 39.5% Moderate Income 11 12 8,557 2,803 48.2% 32.9% 20.5% MA% Middle Income 7 6 12,029 3,197 51.5% 37.3% 15.8% 28.6% Upper Income 3 3 3,798 1,203 54.1% 43.4% 12.2% 26.1% Not Applicable 1 0 5 60.0% - 40.0% Total 30 29 28,467 8,407 50.3% 35.5% 17.3% 31.6% Source:HMDA data,2003 and 2008. Note 1: HMDA does not provide data based on jurisdictional boundaries. The tract analysis presented in this table includes tracts that generally approximately the City boundaries. One census tract at the border of the city with the majority of its population out the Coy was dropped off from the 2008 analysis. Much of the City is made up of census tracts where residents are 50 percent to 80 percent minorities (14 of 29 tracts). Table 47 below summarizes the home loan approval and denial rates of the City's census tracts by percent of minority population. A detailed listing of approval and denial rates of each individual census tract in the City of San Bernardino can be found in the Appendix. In general, the tracts with a larger percentage of minority population had lower approval rates than tracts with majority White population in 2003 and 2008. Although subtler in 2003, the disparity by census tract was starker in 2008. In 2003, approval rates ranged from 47 percent in tracts with more 80 percent minority population to 54 percent in majority White tracts. By 2008, the approval rate for the more 80 percent minority tracts was 29 percent compared to 42 percent for majority White tracts. Table ' Approval anr Denial Rates by Tract Description Number of Tracts' Total App lications %A roved %Denied 2003 2008 2003 2008 2003 2008 2003 2008 <10%Minority 0 0 - 10-20%Minority 0 0 20-50%Minority 4 4 5,679 1,732 54.1% 42.1% 12.4% 26.8% 50-80%Minority 15 14 16,231 4,602 50.3% 35.7% 17.4% 29.9% >80%Minority 11 11 6,497 2,073 47.2% 29.4% 21.5% 39.4% Total 30 29 28,467 8,407 50.3% 35.5% 17.3% 31.6% Source:HMDA data,2003 and 2008. Note 1:HMDA does not provide data based on jurisdictional boundaries. The tract analysis presented in this table includes tracts that generally approximately the City boundaries. One census tract at the border of the city with the majority of its population out the City was d off from the 2008 analysis. F. Sub-Prime Lending According to the Federal Reserve, "prime" mortgages are offered to persons with _ excellent credit and employment history and income edequate to support the loan amount. "Sub-prime" loans are loans to borrowers who have less-than-perfect credit history, poor employment history, or other factors such as limited income. By providing loans to those who do not meet the critical standards for borrowers in the prime market, sub-prime lending can and does serve a critical role in increasing levels of homeownership. Households that are interested in buying a home but have blemishes Chapter 3: Lending Practices 64 City of San Bernardino Analysis of Impediments to Fair Housing Choice in their credit record, insufficient credit history, or non-traditional credit sources, may be otherwise unable to purchase a home. The sub-prime loan market offers these borrowers opportunities to obtain loans that they would be unable to realize in the prime loan market. Sub-prime lenders generally offer interest rates that are higher than those in the prime market and often lack the regulatory oversight required for prime lenders because they are not owned by regulated financial institutions. In the recent past, however, many large and well-known banks became involved in the sub-prime market either through acquisitions of other firms or by initiating sub-prime loans that directly. Though the subprime market usually follows the same guiding principles as the prime market, a number of specific risk factors are associated with this market. According to a joint HUD/Department of the Treasury report, subprime lending generally has the following characteristics:a • Higher risk: Lenders experience higher loan defaults and losses by subprime borrowers than by prime borrowers. • Lower loan amounts: On average, loans in the subprime mortgage market are smaller than loans in the prime market. • Higher costs to originate: Subprime loans may be more costly to originate than prime loans since they often require additional review of credit history, a higher rate of rejected or withdrawn applications and fixed costs such as appraisals, that represent a higher percentage of a smaller loan. • Faster Prepayments: Subprime mortgages tend to be prepaid at a much faster rate than prime mortgages. • Higher Fees: Subprime loans tend to have significantly higher fees due to the factors listed above. While sub-prime lending cannot in and of itself be described as "predatory," studies have shown a high incidence of predatory lending in the sub-prime market. Unlike in the prime lending market, overly high approval rates in the sub-prime market is a potential cause for concern when the target clients are considered high risk. High approval rates may indicate aggressive lending practices. Wells Fargo and Citicorp, two of the top ten lenders in the City were identified as sub-prime lenders by HUD in 2006. Together, they accounted for nearly nine percent of the market share of conventional loan applications and account for 57 percent of the approved loans in San Bernardino in 2008. Individually, Wells Fargo had a 49 percent approval rate and Citicorp had an eight percent approval rate. Large banks are not immune to the subprime market, but are often not identified as subprime lenders exclusively. The 6 U.S. Department of Housing and Urban Development. Unequal Burden In Los Angeles: Income and Racial Disparities in Subprime Lending. April 2000. Stolen Weatlh, Inequities in California's Subprime Mortgage Market. California Reinvestment Committee. November 2001. Chapter 3: Lending Practices 65 City of San Bernardino Analysis of Impediments to Fair Housing Choice HMDA data does not provide information on which loans were sub-prime. As such, more detailed analysis on this topic is difficult. Beginning in 2006, increases in interest rates resulted in an increasing number of foreclosures for households with sub-prime loans when a significant number of sub- prime loans with variable rates began to convert to fixed-rate loans at much higher interest rates. G. Purchased Loans Secondary marketing is the term used for pricing, buying, selling, securitizing and trading residential mortgages. The secondary market is an informal process of different financial institutions buying and selling home mortgages. The secondary market exists to provide a venue for lending institutions to raise the capital required to make additional loans. 1. History In the 1960s, as interest rates became unstable, housing starts declined and the nation faced capital shortages as many regions, including California, had more demand for mortgage credit than the lenders could fund. The need for new sources of capital promoted Congress to reorganize the Federal National Mortgage Association (FNMA) into two entities: a private corporation (today's FNMA) and a government agency, the Government National Mortgage Association (GNMA). In 1970, Congress charted the Federal Home Loan Mortgage Corporation (FHLMC) to purchase conventional loans. Both FHLMC and FNMA have the same goals: to increase the liquidity of the mortgage market and make homeownership more widely available to the average citizen. The two organizations work to standardize the documentation, underwriting and financing of home loans nationwide. They purchased loans from originators, hold them and issue their own debt to replenish the cash. They are, essentially, very large, massive savings and loan organizations. These two organizations set the standards for the purchase of home loans by private lenders in the U.S. 2. Fair Housing Concerns During the peak of the housing market (2000-2006), the practice of selling mortgage loans by the originators (lenders that initially provided the loans to the borrowers) to other lenders and investors was prevalent. Predatory lending was rampant, with lenders utilizing liberal underwriting criteria or falsified documents to push loan sales to people who could not afford the loans. The originating lenders were able to minimize their financial risk by immediately selling the loans to other lenders or to investors in the global market. Table 48 shows the various loan types purchased in San Bernardino, as well as the race/ethnicity of applicants. According to HMDA data, a total of 1,144 loans were purchased in 2008. Because residents applied for fewer government-backed (FHA) Chapter 3: Lending Practices 66 City of San Bernardino Analysis of Impediments to Fair Housing Choice loans, fewer government backed loans were purchased. However, a higher proportion of government-backed loans were purchased when compared to conventional loans. Among conventional loans, the highest portion of loans purchased were issued to Asian and White applicants, while among the highest proportion of government-backed loans purchased on the secondary market were originally issued to Hispanic applicants. . r • r I r , ri r• r T r • r rrr 11: Type of Loan Loans Percent of Loans Purchased' Purchased Asian Black Hispanic White Conventional Purchase 455 25.3% 13.8% 12.2% 14.6% Conventional Improvement 24 5.6% 0.0°k 4.6% 6.6% Conventional Refinance 246 19.1% 5.6% 8.5% 8.8% FHA Purchase 368 25.7% 25.8% 32.7% 30.2% FHA Im rovement 4 0.0% 0.0% 42.9% 50.0% FHAReflnance 47 0.0% 11.1% 13.6% 19.1% =Percentages may not equal 100 percent since total loans purchased also includes other race categories not displayed in table. Source:Home A2iji2ile Disclosure Act HMDA Data,208. H. Predatory Lending With an active housing market, potential predatory lending practices by financial institutions may arise. Predatory lending involves abusive loan practices usually targeting minority homeowners or those with less-than-perfect credit histories. The predatory practices typically include higher fees, hidden costs, and unnecessary insurance and larger repayments due in later years. One of the most common predatory lending practices is placing borrowers into higher interest rate loans than called for by their credit status. Although the borrowers may be eligible for a loan in the "prime" market, they are directed into more expensive and higher fee loans in the "sub-prime" market. In the other cases, fraudulent appraisal data is used to mislead homebuyers into purchasing over-valued homes, or misrepresented financial data is used to encourage homebuyers into assuming a larger loan than can be afforded. Both cases almost inevitably result in foreclosure. In recent years, predatory lending has also penetrated the home improvement financing market. Seniors and minority homeowners are the usual targets. In general, home improvement financing is more difficult to obtain than home purchase financing. Many homeowners have a debt-to-income ratio that is too high to qualify for home improvement loans in the prime market and become targets of predatory lending in the sub-prime market. Seniors are often swindled into installing unnecessary devices or making unnecessary improvements that are bundled with unreasonable financing terms. Predatory lending is a growing fair housing issue. Predatory lenders who discriminate get some scrutiny under the Fair Housing Act of 1968, which requires equal treatment in terms and conditions of housing opportunities and credit regardless of race, religion, color, national origin, family status, or disability. This applies to loan originators as well as the secondary market. The Equal Credit Opportunity Act of 1972 requires equal treatment in loan terms and availability of credit for all of the above categories, as well Chapter 3: Lending Practices 67 City of San Bernardino Analysis of Impediments to Fair Housing Choice as age, sex and marital status. Lenders that engage in predatory lending would violate these Acts if they: target minority or elderly households to buy higher prices and unequal loan products; treat loans for protected classes differently than those of comparably credit-worthy White applicants; or have policies or practices that have a disproportionate effect on the protected classes. Data available to investigate the presence of predatory lending are extremely limited. At present, HMDA data are the most comprehensive data available for evaluating lending practices. However, as discussed before, HMDA data lack the financial details of the loan terms to conclude that any kind of predatory lending has actually occurred. Efforts at the national level are pushing for increased reporting requirements in order to identify and curb predatory lending. The State of California has enacted additional measures designed to stem the tide of predatory lending practices. A law (Senate Bill 537) signed by Governor Gray Davis provided a new funding mechanism for local district attorneys' offices to establish special units to investigate and prosecute real estate fraud cases. The law enabled county governments to establish real estate fraud protection units. Furthermore, Governor Davis signed AB 489 in October 2001, a predatory lending reform bill. The law prevents a lender from basing the loan strictly on the borrower's home equity as opposed to the ability to repay the loan. The law also outlaws some balloon payments and prevents refinancing unless it results in an identifiable benefit to the borrower. Predatory lending and unsound investment practices, central to the current home foreclosure crisis, are resulting in a credit crunch that has spread well beyond the housing market, now impacting the cost of credit for local government borrowing and local property tax revenues. In response, the U.S. House passed legislation, HR3915, which would prohibit certain predatory lending practices and make it easier for consumers to renegotiate predatory mortgage loans. The Senate introduced similar legislation in late 2007 (S2454). The Mortgage Reform and Anti-Predatory Lending Act (HR1728) was passed in the House in May 2009 and amend the Truth in Lending Act to specify duty of care standards for originators of residential mortgages. The law also prescribed minimum standards for residential mortgage loans, directs the Secretary of Housing and Urban Development (HUD) to establish a grants program to provide legal assistance to low and moderate income homeowners and tenants and prohibits specified practices, including: • Certain prepayment penalties; • Single premium credit insurance; • Mandatory arbitration (except reverse mortgages); • Mortgage loan provisions that waive a statutory cause of action by the consumer; and Mortgages with negative amortization. In addition to anti-predatory lending laws, the Mortgage Forgiveness Debt Relief Act was enacted in 2007 and allows for the exclusion of income realized as a result of modification of the terms of a mortgage or foreclosure on a taxpayer's principal residence. Chapter 3: Lending Practices 68 City of San Bernardino Analysis of Impediments to Fair Housing Choice I. Refinancing Aggressive lending practices have resulted in many "innovative" loan terms that allow many households to purchase a home during the peak of the housing market. Loans with zero downpayments, negative amortizations, short-term low fixed and variable rates, among other financing techniques have misled many regarding the affordability of home ownership. Many home buyers were under the false assumption that their homes would continue to increase in value and refinancing to more favorable loan terms would always be available as an option. However, when the inflated market imploded in 2007, many households began to face increased monthly payments on homes with decreased values. The credit market collapsed and refinancing to lower interest rates became increasingly stringent. As shown in Table 49 and Table 50, the number of refinance applications dramatically decreased from 2003 to 2008. This decline mirrors the decline in marketing efforts geared toward home refinance loans. The decline in marketing efforts occurred as credit markets began to tighten, restricting the ability of lenders to refinance homes. Table ,. Disposition of r 1 Mortgage . Applications II total Approved Denied Withdrawn or Loans%Race/Ethnicity Closed Purchased %His anic 4,359 27.5% 2,427 155.7% 1 896 120.6% 1 616 114.1% 1 420 1 9.6% Not-Hispanic Grou s Native American 73 1 0.5% 39 53.4% 18 124.7% 1 9 12.3% 7 9.6% Asian 4831 3.0% 270 55.9% 103 121.3% 1 68 14.1% 42 8.7% Black 1,048 6.6% 512 48.9% 271 25.9% 173 16.5% 92 8.8% White 4,430 28.0% 2,576 58.1% 654 14.8% 646 14.6% 554 12.5% Joint 442 2.8% 274 62.0% 64 14.5% 61 13.8% 43 9.7% Other 492 3.1% 174 35.4% 192 39.0% 106 21.5% 20 4.1% Not Available 4,516 28.5% 1,675 37.1% 841 18.6% 838 18.6% 1,162 25.7% Total 15,843 100.0% 7,947 50.2% 3,039 19.2% 1 1947, 15.9% 2,340 14.8% Source:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identlying the racial backgrounds of joint applications. In 2003, 15,843 San Bernardino households applied for conventional refinance loans (Table 49). Approximately one half (50 percent) were approved and 19 percent were denied. Of all racial and ethnic groups, the category joint" had the highest approval rate for refinance loans (62 percent) while Whites had the second highest (58 percent). As shown in Table 50, 2,891 households in San Bernardino applied for refinance loans in 2008. Overall, mortgage refinancing had low approval rates, with just 34 percent of all refinance loans approved in the City. Asians had the lowest percentage of loan applications (26 percent) approved, while Whites had the highest approval rate (39 s In negative amortization, a borrower pays monthly mortgage payments that are lower than the required interest payments and include no principle payments. The shortage in monthly payments is added to the principle loan. Therefore, the longer the borrower holds that loan, the more they owe the lender despite making monthly payments. Chapter 3: Lending Practices 69 City of San Bernardino Analysis of Impediments to Fair Housing Choice percent). This raises the concerns that minority groups are not, comparatively, having equal access to refinancing. RcLqw 111m. r r r r r.r• ' � r� r 11: Total Approved Denied Withdrawn or Loans Race/Ethnicity Closed Purchased # % # % # % # % # % His anic 1,466 r5O.7% 658 44.9% 200 13.6% 124 8.5% Not-Hispanic Groups Native American 11 0.4% 4 36.4% 6 54.5% 1 9.1% 0 0.0% Asian 89 3.1% 23 25.8% 29 32.6% 20 22.5% 17 19.1% Black 285 9.9% 78 27.4% 149 523% 42 14.7% 16 5.6% Pac. Island 18 0.6% 6 33.3% 8 44.4% 4 22.2% 0 0.0% White 937 32.4% 365 39.0% 371 39.6% 119 12.7% 82 8.8% 2 or More Minority 2 0.1% 0 0.0% 1 50.0% 1 50.0% 0 0.0% Joint 27 0.9% 8 29.6% 15 55.6% 3 11.1% 1 3.7% Not Available 56 R. 17 30.4% 23 41.1% 10 17.9% 6 10.7% Total 2,891 100A% 985 34.1% 1,260 43.6% 400 13.8% 246 8.5% Source:HMDA data,2008. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial back rounds of joint applications. In 2008, 423 households applied for government-backed home refinancing loans in San Bernardino. Approximately 25 percent of these applicants were approved, while 36 percent were denied. In 2003, more than 2,000 households applied for FHA refinance loans. Of these applications, 48 percent were approved and just seven percent were denied. The change in home refinance approval/denial patterns is yet another indication of the restrictive lending market. J. Foreclosures Foreclosure occurs when households fall behind on one or more scheduled mortgage payments. The foreclosure process can be halted if the homeowner is able to bring their mortgage payments current. If payments cannot be resumed or the debt cannot be resolved, the lender can legally use the foreclosure process to repossess (take over) the home. When this happens, the homeowners must move out of the property. If the home is worth less than the total amount owed on the mortgage loan, a deficiency judgment could be pursued. If that happens, the homeowner would lose their home and also would owe the home lender an additional amount. California has been hit particularly hard by the recent credit crisis, resulting in the foreclosure of many homes. Between 2009 and 2010, of the 8.5 million houses and condos in the State, 328,310 homes were foreclosed on making up 3.9 percent of California's housing stock.9 In the fourth quarter of 2009, 7,290 homes and condos received Notices of Default (the first step in the foreclosure process). ° http://www.dgnews.com/Articles/2010/News/California/CA-Foreclosures/RRFor100127.aspx Chapter 3: Lending Practices 70 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 51 presents current foreclosure data for San Bernardino. An estimated seven percent of the City's housing stock is in some stage of the foreclosure process. The rate of foreclosures occurring in San Bernardino is slightly higher than in the County and the State. Table Foreclosure •r 1 1 Sta a of Foreclosure Number of Units Percent of Housing Stock Pre-Foreclosure Sales 1,135 1.7% Bank-Owned 2,065 3.1% Auction 1,564 2.3% Total 4,764 7.1% Notes 1. Pre-foreclosures are those properties that are in default in the mortgage payments and notices of default have been filed. The owner can still correct the situation by paying off the defaulted amounts or by selling the property. 2. Sanko rned properties are those properties that go back to the mortgage companies after unsuccessful auctions. Source:www.realtytrac.com.Accessed Febru 16,2010;Department of Finance,2009. Chapter 3: lending Practices 71 a City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 4 Public Policies Public policies established at the state, regional and local levels can affect housing development and therefore, may have an impact on the range of housing choices available to residents. This chapter discusses the various public policies that may influence fair housing choice in the City of San Bernardino. A. Policies and Programs Affecting Housing Development The San Bernardino General Plan Land Use and Housing Elements, Zoning Code, Consolidated Plan and other documents have been reviewed to evaluate the following potential impediments to fair housing choice and affordable housing development: • Local zoning, building, occupancy and health and safety codes • Public policies and building approvals that add to the cost of housing development • Moratoriums or growth management plans • Residential development fees • Administrative policies affecting housing activities or community development resources for areas of minority concentration, or policies that inhibit employment of minorities or individuals with disabilities • Community representation on planning and zoning boards and commissions 1. Land Use Element Higher-density housing reduces land costs on a per-unit basis and thus facilitates the development of affordable housing. Restrictive zoning that requires unusually large lots and building size can substantially increase housing costs and impede housing production. While housing affordability alone is not a fair housing issue, many lower and moderate income households are disproportionately concentrated in groups protected under the fair housing laws, such as persons with disabilities and minorities. When the availability of affordable housing is limited, indirectly affecting the housing choices available to groups protected by fair housing laws, fair housing concerns may arise. The Land Use Element of the San Bernardino General Plan sets forth the City's policies for guiding local development. It establishes the distributions and intensity of land allocated for different uses. The General Plan Land Use Element provides nine residential land use designations in the community. Development density ranges from one unit per acre in single-family designations to 36 dwelling units per acre in high density multi-family designations. Chapter 4: Public Policies 73 City of San Bernardino Analysis of Impediments to Fair Housing Choice Residential Densities Reasonable density standards ensure the opportunity for higher-density residential uses to be developed within a community, increasing the feasibility of land zoned for multi- family use, the supply of which is often limited, will be developed as efficiently as possible for multi-family uses. Table 52 summarizes the nine General Plan residential land uses designations, the corresponding zoning districts, permitted densities and primary or typical residential types permitted in each district. Residential development standards for each zoning district are described later in this section. The City of San Bernardino provides a range of densities for single-family (0-9 du/ac) and multi-family (8-36 du/ac) housing development to accommodate a range of housing options. Table de . Use Designations anr Zoning Districts General Plan Land Zoning Use Designation District(s) Primary Residential Type(s) Du/Ac Residential Estate RE Single-family detached in an estate setting 1 Residential Low RL Single-family detached in low-density setting 3.1 Residential Low-3.5 RL Single-family detached in suburban setting 3.5 Residential Suburban RS Single-family detached in high quality suburban setting 4.5 Single/multi-family attached and detached residences RU (townhouses,stacked Flats,courtyard homes, small lot Residential Urban subdivisions and mobile home arks) 9 Multi-family dwellings(townhouses,stacked flats,courtyard RU homes,apartments,condominiums and small lot single-family Residential Medium developments) 14 Residential Medium High-20 RM Multi-family dwellings including apartments and condominiums 20 Residential Medium RMH Multi-family dwllin s including a aments and conHi h dominiums 24 Residential High RMH Mufti-family dwellings including apartments and condominiums 36 Residential Student RSH Overlay district designed for student housing complexes within Housing feet of California Slate Universit San Bernardino 20 Sources: 1. City of San Bernardino,Land Use Element,2005 2. Cit of San Bernardino Develo ment Code,accessed 2009. The California Housing Element law establishes a threshold density considered to be appropriate in facilitating the development of housing for households with incomes at or below 80 percent of the MFL'o As the City's General Plan Land Use Element and Development Code provide for developments of up to 36 units per acre, the City is deemed in compliance with State Housing Element law with regard to land use policies. However, the development of affordable housing requires additional incentives such as density bonuses, flexible development standards, and financial incentives. 10 Under HUD regulations, these are considered low and moderate income households. Under State definitions, these are considered lower income households. Chapter 4: Public Policies 74 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Development Code The Development Code implements the General Plan by establishing zoning districts that correspond with General Plan land use designations. Development standards and permitted uses in each zoning district are specified to govern the density, type and design of different land uses for the protection of public, health, safety and welfare (Government Code, Sections 65800-65863). Several aspects of the Development Code that may affect a person's access to housing or limit the range of housing choices available are described below. 3. Density Bonuses A density bonus can be an important tool to encourage a diversity of housing types and prices particularly affordable housing for families and seniors. The California Government Code Section 65915 requires that cities grant density bonuses of 20 to 35 percent depending on the amount and type of affordable housing provided. The density bonus regulations allow for exceptions to applicable zoning and other development standards to further encourage development of affordable housing. Developers may seek a waiver or modification is necessary to make the housing units economically feasible. The State density bonus regulations also include incentives and concessions. A developer can receive an incentive or concession based on the proportion of affordable units for target groups. Incentives or concessions may include, but are not limited to, a reduction in setback and square footage requirements or a reduction in the ratio of vehicular parking spaces that would otherwise be required, which results in identifiable, financially sufficient and actual cost reductions. Specifically, California Government Code Section 65915 provides that a local government shall grant a density bonus of at least 20 percent (five percent for condominiums) and an additional incentive, or financially equivalent incentive(s), to a developer of a housing development agreeing to provide at least: • Ten percent of the units for lower-income households; • Five percent of the units for very low income households; • Ten percent of the condominium units for moderate income households; • A senior citizen housing development; or • Qualified donations of land, condominium conversions and child care facilities. The density bonus law also applies to senior housing projects and projects which include a child care facility. In addition to the density bonus stated above, the statue includes a sliding scale that requires: • An additional 2.5 percent density bonus for each additional increase of one percent very low income units above the initial five percent threshold; Chapter 4: Public Policies 75 i City of San Bernardino Analysis of Impediments to Fair Housing Choice • A density increase of 1.5 percent for each additional one percent increase in low income units above the initial ten percent threshold; and • A one percent density increase for each one percent increase in moderate income units above the initial ten percent threshold. These bonuses reach a maximum density bonus of 35 percent when a project provides either 11 percent very low income units, 20 percent low income units, or 40 percent moderate income units. In addition to a density bonus, developers may also be eligible for one of the following concessions or incentives: • Reductions in site development standards and modifications of zoning and architectural design requirements, including reduced setbacks and parking standards; • Mixed used zoning that will reduce the cost of the housing, if the non-residential uses are compatible with the housing development and other development in the area; and • Other regulatory incentives or concessions that result in "identifiable, financially sufficient and actual cost reductions." Jurisdictions also may not enforce any development standards that would preclude the construction of a project with the density bonus and the incentives or concessions to which the developer is entitled. To ensure compliance with the State density bonus law, jurisdictions must reevaluate their development standards in relation to the maximum achievable densities for multi-family housing. To encourage the development and conservation of affordable housing, the City of San Bernardino Housing Element includes a program to amend the development code to reflect the latest amendments to State density bonus law by June 2010. 4. Parking Requirements Communities that require an especially high number of parking spaces per dwelling unit can negatively impact the feasibility of producing affordable housing by reducing the achievable number of dwelling units per acre, increasing development costs and this restricts the range of housing types constructed in a community. When parking requirements are high, housing development costs tend to increase, restricting the range of housing types available in a community. Typically, the concern for high parking requirements relates only to multi-family housing. Parking requirements for residential districts in San Bernardino vary by the number of bedrooms in a housing unit, location of the development, type of permitted use and other criteria associated with the demand for parking generated by the particular development (Table 53). Chapter 4: Public Policies 76 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table r Requirements Residential Use Required Number of Parking Spaces Mobile home parks 2 garage spaces per unit,tandem is permitted 1 uncovered guest space per unit Residential Day Care 2 spaces in addition to those required for primary residence Senior Congregate Care 0.75 covered space per unit Single-family Dwelling 2 garage spaces per unit Planned Residential Redevelopment 2 garage spaces per unit Single-family dwellings and condominiums 1 uncovered guest space per 5 units Muni-Family Residential Studio and 1 bedroom 1.5 covered space per units 1 uncovered guest space per 5 units Two bedrooms 2 covered spaces per unit 1 uncovered guest space per 5 units Three or more bedrooms 2.5 covered spaces per unit 1 uncovered guest space per 5 units Senior Citizen Apartments 1 covered space per unit 1 uncovered guest space per 5 units Source:City of San Bernardino,Development Code,ar.,essed 2009. The City offers incentives to ensure that parking standards do no constrain housing. Parking reductions of up to 25 percent are provided in the University Business Park Specific Plan if spaces meet Development Code standards and expansion area is provided up standard. Parking required within the Paseo Las Placitas Specific Plan area, may be provided on-site or off-site within an established parking district lot or structure. A reduction of up to 20 percent is available if parking is provided within an established off-site parking district. Parking for senior citizen apartments, affordable housing and congregate care can be adjusted on an individual project basis. Reduced parking standards are also available for density bonus projects. Jurisdictions will also sometimes establish minimum standards and requirements for handicapped parking. Handicapped parking requirements established in the City of San Bernardino Development Code are identical to those provided by the State of California (outlined in Title 24 of the Building Code). 5. Definition of Family A city's zoning ordinance can restrict access to housing for relations failing to qualify as a "family" by the definition specified in the document. Even if the ordinance provides a broad definition, deciding what constitutes a "family" should be avoided by cities to prevent confusion or give the impression of restrictiveness. Particularly, when the zoning ordinance uses terms such as "single-family homes", defining "family" in too-detailed terms may restrict access to housing for certain segments of the population. Chapter 4: Public Policies 77 City of San Bernardino Analysis of Impediments to Fair Housing Choice California courts" have ruled that an ordinance that defines a "family" as (a) an individual, (b) two or more persons related by blood, marriage or adoption, or (c) a group of not more than a certain number of unrelated persons as a single housekeeping unit, is invalid. Court rulings stated that defining a family does not serve any legitimate or useful objective or purpose recognized under the zoning and land planning powers of a jurisdiction, and therefore violates rights of privacy under the California Constitution. A zoning ordinance also cannot regulate residency by discrimination between biologically related and unrelated persons. The San Bernardino Development Code, the City's zoning ordinance, defines "family" as "an individual, or two or more persons related by blood, marriage or legal adoption, or a group of not more than six persons who are not so related living together as a single housekeeping unit". San Bernardino's definition of "family" is similar to those deemed invalid by the California courts. It defines a family relationship through biological and legal ties and limits the number of people. The City provides definitions for residential care facilities, rest homes and other types of community care and disability housing. However, the City will review this definition and amend it as appropriate and necessary to ensure clarity and remove any potential constraints to housing. B. Variety of Housing Opportunities To ensure fair housing choice in a community, a zoning ordinance or development code should provide for a range of housing types, including single-family, multi-family, second dwelling units, mobile homes, licensed community care facilities, assisted living facilities, emergency shelters, transitional housing and single room occupancy (SRO) units. Table 54 provides a summary of San Bernardino's Development Code as it relates to ensuring a variety of housing opportunities. Table 54: Housing Types by Residential Zones Housing Types RE, RL, RU RMH,& RSH CO-t' CG-2 CG-4 CR-2 &RS RH CO-2 Single-Family D D D X X X X X Mufti-Family X DI D X X D X D Condominium or D D D X — Townhouse Manufactured Housing D D D X Mobile Home Park D D D X — Second Dwelling Unit D D D X — — Senior Cilizen/Congregate X D D X C C C Care Housing Community Care Facility(6 P P P X or less) Homeless Facilities X X C X " City of Santa Barbara v. Adamason (1980), City of Chula Vista v. Pagard (1981), among others. Chapter 4: Public Policies 78 City of San Bernardino - Analysis of Impediments to Fair Housing Choice Table 54� Housing Types by Residential Zones Housing Types RE,RL, RU RMH,& RSH CO-2 & CG-2 CG-4 CR-2 RS RH CO-2 Affordable Housing C C C X _ Student Housing C Residential Care 7 or more — C C — C Emergency Shelters — X X X C Transitional/Supportive Housing Single Room Occu anc — X C X C Mixed Use — C C C C Note: 1. Multifamily units that legally existed in the RU zones prior to June 3, 1991 may remain as a permitted use without a Development Permit. "P"=Permitted j 'D"=Development Permit V=Conditional Use Permit :X'=Prohibited —'=not provided for _=potential impediment. Source:City of San Bernardino,Development Code M. 1. Single- and Multiple- Family Uses Single- and multiple-family housing types include detached and attached single-family homes, duplexes or half-plexes, town homes, condominiums and rental apartments. Development codes should specify the zones in which each of these uses would be permitted by right. San Bernardino does not permit single- or multi-family uses by right in any residential zone. Single-family development requires a development permit in any residential zone. Multiple-family housing is not permitted in single-family zones and also requires a development permit in higher density zones. Use permit requirements for multiple-family uses within land use designations and zoning districts suitable for higher density residential land uses may extend the time frame for project review and increase the uncertainty of project approval and therefore could indirectly impede fair housing choice. Development codes should also avoid "pyramid or cumulative zoning" (e.g. permitting lower-density single-family uses in zones intended for higher density multiple-family uses). Pyramid or cumulative zoning schemes could limit the amount of lower-cost multiple- family residential uses in a community and be a potential impediment to fair housing choice. San Bernardino has a form of pyramid zoning by permitting single-family residential uses in multiple-family zones and by not establishing a minimum density for any residential zone. Allowing or requiring a lower density use in a zone that can accommodate higher density uses is regulated by State law. A local government is required to make a finding that an action that results in a density reduction, rezoning or downsizing is consistent with its Housing Element. Chapter 4: Public Policies 79 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Second Dwelling Units Second dwelling units or "Granny" housing units are attached or detached dwelling units that provide complete independent living facilities for one or more persons, including permanent provisions for living, sleeping, cooking and sanitation. Second units may be an alternative source of affordable housing for lower-income households and seniors. These units typically rent for less than apartments of comparable size. California law requires local jurisdictions to adopt ordinances that establish the conditions under which second units are permitted. Second units cannot be prohibited in residential zones unless a local jurisdiction establishes that such action may limit housing opportunities in the region and finds that second units would adversely affect the public health, safety and welfare in residential zones. The State's second unit law was amended in September 2000 to require use of ministerial, rather than discretionary, process for reviewing and approving second units. A ministerial process is intended to reduce permit processing time frames and development costs because proposed second units that are in compliance with local zoning standards can be approved without a public hearing. San Bernardino requires a development permit for a second dwelling unit in any residential zone. A development permit requires a hearing and therefore is not a ministerial process. Because second dwelling units can be an important source of suitable and affordable types of housing for seniors and persons with disabilities, overly restrictive or conflicting provisions for these units can be considered an impediment to fair housing choice. 3. Mobile Home Parks Mobile home parks are permitted in all residential development zones with approval of a development permit. 4. Manufactured Housing State law requires local government to permit manufactures or mobile homes meeting federal safety and construction standards on a permanent foundation in all single-family residential zoning districts (Section 65852.3 of the California Government Code). A local jurisdiction's zoning ordinance or development code should be compliant with this law. Currently, the City of San Bernardino requires a development permit for a manufactured housing unit in all residential zones, similar to the requirement for single- family homes. 5. Community Care Facilities Persons with special needs such as the elderly and those with disabilities must also have access to housing in a community. Community care facilities provide a supportive Chapter 4: Public Policies 80 City of San Bernardino Analysis of Impediments to Fair Housing Choice housing environment to persons with special needs in a group situation. Restrictions that prevent these types of facilities from locating in a community impede equal access to housing for the special needs groups. The Lanterman Development Disabilities Services Act (Section 5115 and 5116 of the California Welfare and Institutions Code) declares that mentally and physically disabled persons are entitled to live in normal residential surroundings. The use of property for the care of six or fewer disabled persons is a residential use for the purpose of zoning. A State-authorized, certified, or licensed family care home, foster home or group home serving six or fewer disabled persons or dependent and neglected children on a 24- hour-day basis is considered a residential use that is permitted in all residential zones. No local agency can impose stricter zoning or building and safety standards on these homes. The City of San Bernardino provides for small community care facilities (serving six or fewer residents) in all residential zones. Senior citizen, congregate care, and convalescent facilities, including facilities that serve more than six persons are permitted in multiple-family zones. As of February 2010, 57 licensed community care facilities with 780 beds were located in San Bernardino. Table 55 provides a tabulation of licensed care capacity by jurisdiction and Figure 6 illustrates the geographic distribution of these facilities. Most facilities provide adult residential care, but most beds are provided within facilities that provide residential care for the elderly (RCFEs). Adult residential care and RCFEs are conditionally permitted in San Bernardino as congregate care or residential care facilities. Table r s o T e of Facilit Number of Facilities Number of Beds Adult Residential Care 38 328 Group Home 9 54 Residential Care for the Elderly 10 398 Total 57 780 Source:CCLD Facility search,accessed 2.16 10 htl s.//secure.dss.cahmet. ovlmld/searmeticcld search/ccld search.as x The San Bernardino Development Code defines many types of community care facilities based on the type of population they serve. It also defines a community care facility in general as "consistent with Health and Safety Code (Section 1267.8) the intermediate care facility shall include provisions for developmentally disabled habilitative - nursing or congregate living." The Development Code also includes a definition of a residential care facility as "a family home, group care facility, or similar facility for 24 hour non- medical care of persons in need of personal services, supervision or assistance essential for sustaining the activities of daily living or for the protection of the individual". Together, these definitions provide for community care facilities in the City, which are permitted by right in all residential zones, except for the Student Housing zone. The Development Code defines special group residences to include (but not be limited to): housing for seniors, residential care facilities and boarding houses/lodging houses. Chapter 4: Public Policies 81 City of San Bernardino Analysis of Impediments to Fair Housing Choice These are housing options to meet the census definition of group quarters but not housing units. 6. Emergency Shelters Emergency shelters provide short-term shelter (usually for up to six months to stay) for homeless persons or persons facing other difficulties, such as domestic violence. Recent revisions to State law require jurisdictions to identify adequate sites for housing that will be made available through appropriate zoning and development standards to facilitate and encourage the development of a variety of housing types of all income levels, including emergency shelters (Section 65583(01) of the Government Code). State HCD and subsequent court decisions have interpreted this as a requirement for local governments to specify which zone(s) permit such facilities and implement permit process that both facilitate and encourage the development of such housing. Currently, the City of San Bernardino Development Code allows emergency shelters with approval of a CUP in the CR-2 zone. The City also conditionally permits homeless facilities in the RM, RMH and RH zones; however, the Development Code does not define this land use type and therefore prospective developers may be uncertain about the requirements for a "homeless facility" compared to an "emergency shelter." Programs 3.4.4 and 3.4.5 of the Housing Element show that the City will comply with SB2, which mandates that appropriate sites, zones and development standards are identified for emergency shelters, as well as transitional housing and permanent supportive housing. In San Bernardino emergency shelters serving up to 35 persons nightly will be permitted without discretionary review in a light industrial and commercial area (an overlay in the IL zone) with access to public transportation. The City will create a permanent ordinance for this area that defines emergency shelters and establishes appropriate standards for new and adaptive reuse for emergency shelters. 7. Transitional and Supportive Housing Transitional housing provides longer-term housing (up to two years), coupled with supportive services such as job training and counseling, to individuals and families who are transitioning to permanent housing. Transitional and supportive housing facilities are not provided for in the San Bernardino Development Code. The City conditionally permits homeless facilities in the RM, RMH and RH zones but does not define what a homeless facility is. Transitional and supportive housing can be accommodated in many forms, including group homes, institutional housing or regular housing. To comply with State law, the City will amend the Development Code to differentiate transitional or supportive housing based on unit type. For example, it will differentiate between transitional and supportive housing that operates as group residence versus transitional or supportive housing that is regular rental apartments. For transitional and supportive housing operating as regular rental housing, meeting the statutory definitions of the Health and Safety Codes, such housing will be permitted by right in the City where multi-family Chapter 4: Public Policies 82 City of San Bernardino Analysis of Impediments to Fair Housing Choice housing is permitted. For transitional and supportive housing operating as group housing facilities, meeting the statutory definition of residential care facilities under the Lanterman Developmental Disability Services Act, such facilities will be permitted according to the City's Development Code provisions for residential care facilities. 8. Single-Room Occupancy Units Single-room occupancy (SRO) units are one of the most traditional forms of affordable private housing for lower income individuals, including seniors and persons with disabilities. An SRO unit is usually small, between 80 and 250 square feet. These units provide a valuable source of affordable housing and can serve as an entry point into the housing market for formerly homeless people. Currently the San Bernardino Development Code defines single-room occupancy units as a cluster of seven or more units within a newly constructed residential hotel of weekly or longer tenancy providing sleeping or living facilities for one or two persons per unit, in which sanitary facilities may be provided within the units and cooking facilities may be shared within the hotel. SRO units are conditionally permitted in the CG-2 and CR-2 zones. 9. Mixed Use Mixed use projects combine both non-residential and residential uses on the same site, thus providing an opportunity to diversify housing types and locate residential uses in proximity to non-residential activity centers. Mixed use development can help increase access to public facilities for the elderly and persons with disabilities by creating opportunities to reduce vehicular reliance by making walking, bicycling or taking public transportation more feasible. Mixed residential and commercial land uses are conditionally permitted in the CR-2, CG-2, CG-3, and CG-4 zones. Residential and office uses allowed with a CUP in CO-1 and CO-2 zones. 10. Senior Citizen Housing The City conditionally permits senior citizen housing in the CO-1, CO-2, CG-2, and CR- 2 zones, whereas regular multi-family housing is permitted by right in the CG-2 and CR- 2 zones. Conversely, the City conditionally permits senior housing in the CO-1 and CO- 2 zones where regular multi-family housing is not permitted. By differentiating senior versus family housing in the location and permitting process has been identified by both HUD and the State Department of Housing and Community Development as a potential impediment to fair housing choice. Chapter 4: Public Policies 83 City of San Bernardino Analysis of Impediments to Fair Housing Choice C. Building, Occupancy, Health and Safety Codes 1. Building Codes San Bernardino has adopted building and safety codes in order to preserve public health, safety and welfare. To implement these codes, the City has various code enforcement programs designed to address building and neighborhood conditions. These building codes and their enforcement have the potential to significantly increase the cost of development, maintenance and improvement of housing. • Building Codes - San Bernardino has adopted and enforces the California Building Code (CBC) that established standards pertaining to the construction of housing and inspection at various stages of construction to ensure code compliance. • Accessibility Codes - The Federal Fair Housing Act of 1998 and the American Disabilities Act (ADA) are federal laws that are intended to assist in the provision of sage and accessible housing. These regulations were codified in Title 24, Part 2, known as the California Building Code and apply to newly constructed multi-family dwelling units in building with three or more units or in condominium projects with four or more units. The City of San Bernardino has adopted and enforces compliance with these standards to comply with federal law. • City Code Enforcement - The City's Code Enforcement Department enforces State and local regulations governing the maintenance of residential buildings. The Department responds to code violation complaints filed by residents and administers programs to facilitate property maintenance. Building codes and their enforcement increase the cost of housing investment and can impact the viability of rehabilitating older properties required to be upgraded to current code standards. To the extent this makes the cost of housing production or rehabilitation economically infeasible, it could serve as a constraint. However, these regulations are similar to cities in the region, provide minimum standards for safe and accessible housing and thus are not considered to be an undue constraint upon housing investment. 2. Occupancy Standards Disputes over occupancy standards are typical tenant/landlord and fair housing issues. Families with children and large households often face discrimination in the housing market, particularly in the rental housing market, because landlords are reluctant or flatly refuse to rent to such households. Establishing a strict occupancy standard either by the local jurisdiction or by landlords on the rental agreements may be a violation of fair housing practices. Chapter 4: Public Policies 84 City of San Bernardino Analysis of Impediments to Fair Housing Choice In general, no State or federal regulations govern occupancy standards. The State Department of Fair Employment and Housing (DFEH) uses the "two-plus-one" rule in considering an appropriate number of persons to occupy a housing unit - two persons per bedroom plus and additional person. Using this rule, a landlord cannot restrict occupancy to fewer than three persons for a one-bedroom unit or five persons for a two-bedroom unit, etc. While DFEH also uses other factors, such as the age of occupants and size of rooms, to consider the appropriate standards, the two-plus-one rule is generally followed. Other guidelines are also used as occupancy standards - the California Fire Code and the Uniform Housing Code. The Fire Code allows one person per 150 square feet of "habitable" space. The Uniform Housing Code (1997 edition) outlines a standard of one person for every 50 square feet of bedroom space. These standards are typically more liberal than the "two-plus-one" rule. A review of the San Bernardino Development Code shows that the City's definition of family limits the total number of persons that can occupy a housing unit to six. This definition of family may be interpreted as an occupancy standard that in some cases could be more restrictive than that established in the Uniform Housing Code, California Fire Code or DFEH guidelines. As previously discussed, court rulings states a zoning ordinance or development code cannot regulate residency by discrimination between biologically relates and unrelated persons. D. Affordable Housing Development In general, many minority and special needs households are disproportionately affected by a lack of adequate and affordable housing in a region. While affordability issues are not directly fair housing issues, expanding access to housing choices for these groups cannot ignore the affordability factor. Insofar as rent-restricted or non-restricted low- cost housing is concentrated in certain geographic locations, access to housing by lower-income and minority groups in other areas is limited and can therefore be an indirect impediment to fair housing choice. Furthermore, various permit processing and development impact fees charged by local government results in increased housing costs and can be a barrier to the development of affordable housing. Other policies and programs, such as inclusionary housing and growth management programs, can either facilitate or inhibit the production of affordable housing. 1. Development Fees Housing construction imposes certain short- and long-term costs upon local government such as the cost of providing planning services and inspections. As a result, San Bernardino collects fees to recover the costs of processing permits and providing the necessity services and infrastructure related to new development. Table 56 summarizes the common planning fees charged for providing associated services for new housing development. As shown, fees vary widely based on the type and size of each development. Chapter 4: Public Policies 85 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table r Development Fee lype 15 Unit SF Subdivision' 20 Unit Condominiumz 1 Ti t3 City Fees Site Plan Review' $8,822.59 $9,154.09 27 Architectural Reviews $7,760.27 $7,760.27 75 Engineering Fees6 $18,882.97 $58,009.55 22 Building Fees' $15,533.55 $20,818.07 50 Police Feesa $8,966.10 $10,591.80 .50 Fire Feese $11,112.75 $18,278.60 .50 Parks Feess $125,400.00 $132,340.00 $330,850.00 Library Feesa $8,949.45 $9,452.20 $23,630.50 Water and Sewers $26,872.85 $40,539.80 $45,853.00 Initial Study Fee70 $3,338.46 $3,338.46 $3,338.46 Local Circulations $3,268.05 $2,904.80 $7,262.00 Regional Circulations $36,525.00 $32,520.00 $81,300.00 Aquatics Facilities Fees $4,575.15 $4,826.40 $12,066.00 Public Meetings Facilities Fees $14,355.00 $15,140.00 $37,850.00 Storm Drain Fees' $55,079.55 $30,316.80 $75,792.00 Other Government Agency Fees School Fees" $162,000.00 $162,000.00 $270,000.00 Other A enc FeeS1' $2,818.25 $2,818.25 $2,818.25 Total $514,259.99 $560,809.09 $1,059,945.90 Per Unit Total $34,283.99 $28,040.45 $21,198.92 Source:City of San Bernardino,2009 1. Singledamily housing project assumed at one 2,000 square foot home with a 400 square foot garage. 2. Condominium unit assumed at 1,500 square feet with a 400 square foot garage. 3. Apartment unit assumed at 1,000 square feet with a 200 square foot carport. 4. Review of Site Plan and Architecture is covered by the same application and fee. Site Plan Review fee represents fee for Tentative Subdivision Application review of lot layout in scenarios 1 and 2 and the fee for a Development Permit Type 3. 5. Architectural review represents Development Permit Type 3 for scenarios 1 and 2(per current Planning Fee Schedule) 6. Engineering Fees based on likely development assumptions for ORsite Improvements,Onsite Improvements,Onsite Grading and Landscaping Plan Checks. 7, Building fees based on likely plan check and permit fees, 8. Per current Public Works Fee Schedule for Development Impact Fees.Based on the number of total units assumed for each scenario. 9. Per Water Department estimates combined with current Developer Impact Fee for Sewer Connection. Sewer fee based on number of bedrooms for project scenario 1 assumes 45 bedrooms,scenario 2 assumes 60 bedrooms and scenaro 3 assumes 100 bedrooms. 10. Per current Planning Fee Schedule. 11. Par 2009 Schedule of Applicable School Fees within the San Bernardino City Unified School District,$5.40 per square foot of new accessible space for new residential construction. 12. State Fish and Game Fee and County Clerk filing fee for a Notice of Determination for California Environmental Quality Act Documents. Almost all of these fees are assessed through a prorate share system, based on the magnitude of the project's impact or on the extent of the benefit that will be derived from the services or facilities for which the fees are charged. The City of San Bernardino's fees are not high relative to other cities in the region and are not overly burdensome constraint to housing development. j In addition to planning fees, the City of San Bernardino charges various development impact fees upon new development. In contrast to service fees that recover the costs Chapter 4: Public Policies I 86 I City of San Bernardino Analysis of Impediments to Fair Housing Choice of providing services, impact fees are intended to fund the improvement in infrastructure and services needed to accommodate new housing development. For instance, common examples include school fees, park and recreation fees, sewer fees and transportation improvement fees. These fees are included in Table 56 above. Until 1978 property taxes were the primary revenue source for financing the construction of infrastructure and improvement required to support new residential development. The passage of Proposition 13 in 1978 has limited a local jurisdiction's ability to raise property taxes and significantly lower the ad valorem tax rate, increasing reliance on other funding sources to provide infrastructure, public improvements and public services. An alternative funding source widely used among local governments in California is the development impact fee which is collected for a variety of improvements including water and sewer facilities, parks and transportation improvements. To enact an impact fee, State law requires that local jurisdiction demonstrate the "nexus" between the type of development in question and the impact being mitigated by the proposed fee must be roughly proportional to the impact caused by the development. Nevertheless, development impact fees today have become a significant cost factor in housing development. California's high residential development impact fees contribute to its high housing costs and prices. Among California jurisdictions, fees account for an average of ten percent of the median price of new single-family homes. The effects of reduced tees on housing affordability, however, would vary widely depending on the amount of the fee reduction and on current home prices. As things now stand, those jurisdictions that do the most to accommodate California's housing production needs are also the most dependent on development fees to finance growth-supporting infrastructure, and thus, can least afford to reduce their fees. The contribution of fees to home prices varies temporally as well spatially. When times are good, housing production tends to lag behind demand, especially in coastal markets. Housing prices during such periods are chiefly affected by the balance between supply and demand and are much less affected by construction and development costs. When economic times are bad, as they are today in most parts of California, and demand is weak, housing prices are more sharply affected by the prices of construction inputs, including fees. The strength of the economy and housing market also determines the degree of fee shifting and who ultimately pays fees. During strong economic times, it is the final homebuyer or renter who ends up paying housing development fees; the builder or developer is mostly an intermediary. During recessionary periods, the burden of paying for fees may be shifted backwards to the landowner. 2. Article 34 Article 34 State Constitution requires a majority vote of the electorate to approve the development, construction or acquisition by a public body of any "low rent housing project" within that jurisdiction. In other words, for any projects where at least 50 percent of the occupants are low income and rents are restricted to affordable levels, Chapter 4: Public Policies 87 City of San Bernardino Analysis of Impediments to Fair Housing Choice the jurisdiction must seek voter approval known as "Article 34 Authority" to authorize that number of units. The City of San Bernardino obtained Article 34 authority to be directly involved in to the development, construction and acquisition of low-rent housing. In the past, Article 34 may have prevented certain projects from being built. In practice, most public agencies have learned how to structure projects to avoid triggering Article 34, such as limiting public assistance to 49 percent of the units in the project. Furthermore, the State legislature has enacted Section 37001, 37001.3 and 37001.5 of the Health and Safety Code to clarify ambiguities relating to the scope of the applicability of Article 34 which now exist. 3. Growth Management Programs Growth management programs facilitate well-planned development and ensure that the necessary services and facilities for residents are provided. However, a growth management program may act as a constraint if it prevents a jurisdiction from addressing its housing needs, which could indirectly impede fair housing choice. These programs range from general policies that require the expansion of public and facilities and services concurrent with new development, to policies that establish urban growth boundaries (the outermost extent of anticipated urban development), to numerical limitations on the number of dwelling units that may be permitted annually. State housing law mandates a jurisdiction facilitate the development of a variety of housing to meet the jurisdiction's fair share of regional housing needs. Any growth management measure that would compromise a jurisdiction's ability to meet its regional housing needs may have an exclusionary effect of limiting housing choices and opportunities of regional residents or concentrating such opportunities in other areas of the region. The City of San Bernardino does not have building moratoriums or growth management plans that limit housing construction. 4. Inclusionary Housing Program Inclusionary housing describes a local government requirement that a specified percentage of new housing units be reserved for affordable to, lower- and moderate income households. The goal of inclusionary housing programs is to increase the supply of affordable housing commensurate with new market-rate development in a jurisdiction. This can result in improved regional jobs-housing balances and foster greater economic and racial integration within a community. The policy is most effective in areas experiencing rapid growth and a strong demand for housing. Inclusionary programs can be voluntary or mandatory. Voluntary programs typically require developers to negotiate with public officials but do not specifically mandate the provision of affordable units. Mandatory programs are usually codified in the zoning ordinance or development code, and developers are required to enter into a development agreement specifying the required number of affordable housing units or Chapter 4: Public Policies 88 City of San Bernardino Analysis of Impediments to Fair Housing Choice payment of applicable in-lieu fees' prior to obtaining a building permit. The City of San Bernardino does not an inclusionary housing program or policy. 5. Redevelopment Project Areas Redevelopment project areas constitute a significant source of affordable housing resources for local governments and the City of San Bernardino has 11 redevelopment project areas. In comparison to federal affordable housing monies, California Redevelopment Law provides redevelopment agencies greater latitude in meeting affordable housing goals. Agencies may exercise all powers of redevelopment, which include land acquisition, leasing, construction, rehabilitation, subsidies and many other financing tools. State law requires redevelopment agencies to set-aside 20 percent of tax increment revenue generated from redevelopment projects for activities that increase, improve or preserve the supply of housing affordable to low and moderate income households. Housing developed within the redevelopment project area must abide by the inclusionary housing policy set forth in the above section. The City of San Bernardino complies with applicable redevelopment laws. E. Policies Causing Displacement or Affect Housing Choice of Minorities and Persons with Disabilities Local government policies could result in displacement or affect representation of minorities or persons with disabilities. Policy areas that could have effects are summarized accordingly: redevelopment activities, reasonable accommodations, ADA compliance public facilities and occupancy standards. 1. Redevelopment Activities Redevelopment activities are governed by the California Relocation Assistance and Real Property Acquisition Guidelines (Government Code Section 7260 through 7277) and the California Eminent Domain Law (California Code of Civil Procedure Section 1230.010 et. Seq.). Although construction activities within redevelopment project areas can result in new resources for lower- and moderate income housing, existing lower and moderate income residents and businesses serving traditionally underserved populations can be displaces in the redevelopment process. To carry out redevelopment projects with a minimum of hardship to displaced persons and businesses, State law requires developers to make a reasonable attempt to acquire the necessary properties through voluntary means rather than the redevelopment agency's use of eminent domain. Special attention should be paid to ensure that lower- and moderate income households are fairly compensated in this process. 12 An in-lieu fee is the payment of a specified sum of money instead of constructing the required number of affordable housing units. The fee is used to finance affordable housing elsewhere in a community. Chapter 4: Public Policies 89 City of San Bernardino Analysis of Impediments to Fair Housing Choice Despite laws designed to minimize hardship to those displace directly in the redevelopment process, those indirectly gentrified through the redevelopment process have little or no recourse. A lower income household occupying a low cost rental unit in a complex planned for demolition in a redevelopment project area may be forced to move it a landlord decides not to renew the tenant's lease, or permit the tenant to continue residing in the unit on a month-to-month basis until shortly before the structure is razed. Because of rising land values in areas targeted for redevelopment, existing lower-income renters can be forced out of their communities if they are not able to find adequate and affordable housing nearby. Due to the socioeconomic and demographic factors, gentrification of this type can disproportionately affect minorities and persons with disabilities. The City complies with the displacement and relocation requirements pursuant to California Redevelopment Law and the federal Uniform Relocation Act. 2. Reasonable Accommodations The Fair Housing Act, as amended in 1988, requires that cities and counties provide reasonable accommodation to rules, policies, practices and procedures where such accommodation may be necessary to afford individuals with disabilities equal housing opportunities. While fair housing laws intend that all people have equal access to housing, the law also recognizes that people with disabilities equal housing opportunities. While fair housing laws intend that all people have equal access to housing, the law also recognizes that people with disabilities may need extra tools to achieve equality. Reasonable accommodation is one of the tools intended to further housing opportunities for people with disabilities. For developers and providers of housing for people with disabilities who are often confronted with siting or use restrictions, reasonable accommodation provides a means of requesting from the local government flexibility in the application of land use, zoning and building code regulations or, in some instances, even a waiver of certain restrictions or requirements because it is necessary to achieve equal access to housing. Cities and counties are required to consider requests for accommodations related to housing for people with disabilities and provide the accommodation when it is determined to be "reasonable" based on fair housing laws and the case law interpreting the statutes. The City does not currently have a reasonable accommodations policy in place. San Bernardino will adopt an ordinance to enact a process for disabled individuals (or those acting on their behalf) to make requests for reasonable accommodation in program 3.4.1 of the Housing Element. The City will make reasonable accommodation information available at City Hall and on the City's website The City has the enforcement authority for State accessibility laws and regulations (California Code of Regulations Title 24) when evaluating new construction requests. Americans with Disabilities Act provisions include requirements for a minimum percentage of units in new development to be fully accessible to the physically disabled. Chapter 4: Public Policies 90 City of San Bernardino Analysis of Impediments to Fair Housing Choice F. Equal Provision of and Access to Public Services It is important that all socioeconomic segments of society are served equally with government services. The provision of adequate parks and recreation opportunities has become a rising concern as it related to environment justice. 1. Active Parkland The City of San Bernardino is unique in that active parkland is distributed evenly throughout the City and adequately serves low and moderate income areas. Table 57 shows that 63 percent of the City residents lived in low and moderate income areas in 2000 (date of most recent available data), and, as of February 2010, 65 percent of the City's active parkland was located in these areas. Similarly, while 37 percent of the City residents lived in upper income areas, 35 percent of the City's parkland was located in these areas. Park Acrea a Total Po ulation Low and Moderate Income Areas 378.8 65.3% 123,157 63.0°k Rest of San Bernardino 201.35 34.7% 72,325 37.0% Total 580.14 100% 195,482 100% Source:U.S.Census 2000,City of San Bernardino As of 2000, 70 percent of active parkland was located within census block groups where there is a concentration of minority residents (block groups whose proportion of minority households is greater than the overall San Bernardino County average of 54 percent). Accordingly, these minority concentration areas accounted for 64 percent of the population. The City of San Bernardino provides active parkland equitably for low and moderate income areas as well as minority concentration areas. Table r Park Acrea a I Total Population Areas with Minoru Concentration 409.7 70.6% 1124,661 163.8% Rest of San Bernardino 170.4 29.4% 170,821 136.2% Total 580.1 100% 1195,842 100% Source:U.S.Census 2009,City of San Bernardino G. Access to Transit As outlined in Chapter 2 of this Al, equal provision of transit services is indirectly a fair housing issue if transit-dependent populations are not adequately served by public transit, thereby limiting their housing choice. One way to measure this is to compare the relationship between existing transit routes, employment centers and areas where the proportion of residents using transit regularly. Chapter 4: Public Policies 91 City of San Bernardino Analysis of Impediments to Fair Housing Choice As depicted in Figure 7, most transit dependent areas are linked to major employment centers by existing transit services. Public policies can ensure that transit service is closely aligned with the transit needs of the City. By extending transit service into areas currently un-served, housing choice for transit-dependent households would expand. H. ADA Compliant Public Facilities (Section 504 Assessment) The Americans with Disabilities Act (ADA) of 1990 is federal civil rights legislation which makes it illegal to discriminate against persons with disabilities. Title II of the ADA requires elimination of discrimination in all public services and the elimination of architectural barriers in all publicly owned buildings and facilities. It is important that public facilities are ADA compliant to facilitate participation among disabled residents in the community planning and decision-making processes. One of the key places that facilitate community participation is City Hall. The San Bernardino City Hall is ADA compliant. I. Local Housing Authority The availability and use of Section 8 vouchers and public housing units must also adhere to fair housing laws. In San Bernardino, the HUD Section 8 voucher program is administered by the Housing Authority of the County of San Bernardino (HACSB). [The HACSB has adopted priorities or preference for Section 8 and/or public housing. Typically, local residents (or those who work locally), senior, persons with disabilities and veterans are given preferences. Awaiting verification of this information] Section 16(a)(3)(B) of the United States Housing Act mandates that public housing authorities adopt an admission policy that promotes the de-concentration of poverty in public housing. HUD emphasizes that the goal of de-concentration is to foster the development of mixed-income communities with public housing. In mixed-income settings, lower-income residents are provided with working family role models and greater access to employment and information networks. This goal is accomplished through the policy's income-targeting and de-concentration. For Section 8 vouchers, the Housing act mandates that not less than 75 percent of new admission must have incomes at or below 30 percent of the Area Median Income. The remaining balance of 25 percent may have incomes up to 50 percent of the Area Median Income. For public housing, the Housing Act mandates that not less than 40 percent of new admissions must have incomes at or below 30 percent of the Area Median Income. The balance of 60 percent of new admissions may have incomes up to 80 percent of the Area Median Income. Chapter 4: Public Policies 92 i i City of San Bernardino Analysis of Impediments to Fair Housing Choice J. Community Participation Adequate community involved and representation are important to overcoming and identifying impediments to fair housing or other factors that may restrict access to housing. An important strategy for expanding housing choices for all residents is to ensure that residents' concerns are heard. A jurisdiction must create avenues through which residents can voice concerns and participate in the decision making process. The City values citizen input and has established a number of commissions/committees with representation from the community. The roles of each of these bodies are discussed below. The racial/ethnic composition of these boards, committees and commissions are summarized in Error! Reference source not found.. 1. City Council City residents elect the City Council to guide the policy affairs of the community. The City Council must provide an environment that stimulates participation in the governing processes and must conduct the affairs of the City openly and responsively. San Bernardino uses the Council-Manager form of government. The City is divided, for electoral purposes, into seven Wards approximately equal in population. Each Ward elects a Council representative to staggered four-year terms. 2. Planning Commission It is the responsibility of the Planning Commission to advise the Mayor and City Council on all matters affecting development of the City's general plan, zoning and ordinances to guide the implementation of long range planning. The Commission is composed of nine residents who are appointed by the Mayor. Planning Commissioners serve four- year terms that coincide with the Mayor's term. Commissioners may stay on as long as the Mayor is elected continually or if a newly elected Mayor wants to keep them on. 3. Youth Advisory Commission The purpose of the Youth Advisory Commission is to involve young people in local governance, to engage youth in creating positive social change and to serve in an advisory capacity to the Mayor and Common Council on topics relating to needs, priorities, programs and opportunities for youth in the community. The Commission consists of 19 voting members between the ages of 15 and 23 appointed by the Mayor and City Council. They are all residents of the City with an awareness and understanding of the needs of young people in San Bernardino. Chapter 4: Public Policies 93 City of San Bernardino Analysis of Impediments to Fair Housing Choice 4. Parks and Recreation Commission The Parks and Recreation Commission is made up of nine members appointed by the City Council to serve terms of continually at the discretion of the Council. The Commission advises the Mayor, the Council and the City Manager on four main areas: • community needs and problems for the purposes of providing a basis for establishing departmental priorities, goals and objectives; • Programs and plans designed to meet stated goals and objectives in areas such as youth affairs, senior affairs, consumer affairs, discrimination in housing and employment and community service centers; • Coordination on a City-wide basis the work of those community agencies and organizations engaged in the providing of human services; and • Evaluation of all community agencies and organizations receiving City funds for the purpose of providing human services. 5. Historical Preservation Commission The purpose of the Historical Preservation Commission is to promote the general welfare of the City by providing for the identification, protection and enhancement of buildings, structures, areas, streets, districts, neighborhoods, sites and natural landscapes that have special historical, archeological, cultural or aesthetic value to the San Bernardino. The Commission consists of nine voting members who are appointed by the Mayor and the Council. The Mayor nominates two residents and registered voters as well as one non-voting advisory member who does not need to be a resident of the City. The Historical Preservation Commission is responsible for the following duties: i • Serve in an advisory capacity to the Planning Commission in making recommendations relating to the designation, preservation and protection of historical properties. • Assist in evaluating Mills Act applications. • Make recommendations, as requested, to the Planning Commission regarding proposed general plan, zoning and map changes that impact designated areas. • Promote public interest in, and understanding of, historical and scenic properties and the preservation thereof. • Seek out information and advise the Mayor and Council on funding opportunities for historical preservation. Chapter 4: Public Policies 94 City of San Bernardino Analysis of Impediments to Fair Housing Choice 6. Relocation Appeals Board The Board hears all complaints brought by residents of the redevelopment project areas relating to relocation and determine whether the Redevelopment Agency has complied with the provisions of applicable state and federal law and regulations. After a public hearing, the board sends its findings and recommendation to the Redevelopment Agency. 7. Human Relations Commission The Human Relations Commission was created to consult and advise the Mayor and Council on issues involving the rights of citizens and visitors of the City and equal economic, political and educational opportunity and to equal accommodations in all business establishments in the City. The Commission strives to eliminate prejudice and discrimination because of race, sex, age, color, ethnicity, religion, national origin, ancestry, physical disability, marital status, political affiliation and/or beliefs and any other category protected by law. 8. Multi-Lingual Capacity of Staff A broader range of residents may feel more comfortable approaching an agency with concerns or suggestions if that agency offers sensitivity or diversity training to its staff members that typically interface with the public. In addition, if there is a mismatch between the linguistic capabilities of staff members and the native languages of local residents, non-English speaking residents may be unintentionally excluded from the decision making process. Another factor that may affect community participation is the inadequacy of an agency or public facility to accommodate residents with various disabilities. A total of ten code enforcement staff members that work with residents are bilingual. [Awaiting additional information on other departments] 9. Cultural Diversity Training While providing fair housing education for the public and housing professional is critical, ensuring that City staff understands fair housing laws and sensitivity to the discrimination issues is equally important. The City of San Bernardino offers staff cultural diversity training twice per fiscal year. It is not mandatory for any staff members. Chapter 4: Public Policies 95 i City of San Bernardino Analysis of Impediments to Fair Housing Choice K. Housing and Community Development Policies and Programs 1. Housing Element i The Housing Element of a community's general plan is required by California State law j to be reviewed by the State Department of Housing and Community Development ' (HCD) for compliance with housing laws. An important criterion of HCD approval of { any housing element includes a determination that the local jurisdiction's policies do not 1 unduly constrain the maintenance, improvement and development of a variety of housing choices for all income levels. The City's is currently updating its Housing Element. The City of San Bernardino has identified the following goals relating to housing in the 2008-2014 Housing Element: i i • Identify adequate sites for a variety of housing types. • Conserve and improve the existing affordable housing stock and revitalize deteriorating neighborhoods. • Assist in the provision of housing affordable to lower and moderate income households. • Promote equal housing opportunities for all persons in San Bernardino. The City will also adopt a number of housing programs to meet these goals. These programs are listed in the Housing Element and include: Identify Adequate Sites for a Variety of Housing Types • Acquisition, Demolition and Redevelopment: The City has a track record of successfully demolishing substandard units, relocating tenants to safe housing and partnering with a developer to rebuild the property for high quality affordable housing. The City will continue to purchase abandoned or foreclosed single-family projects and demolish units in physical conditions beyond rehabilitation. This program will remove blight, improve public safety and provide new opportunities for affordable homeownership opportunities. • Downtown Housing: Vacant and underutilized sites in Downtown San Bernardino offer a unique opportunity for integrating residential uses into the dense urban core. The Downtown Core Vision sets forth goals and objectives for transforming this primarily commercial and office area into a lively mixed-use and multipurpose node that is highly connected to city services, employment, housing and educational facilities within walking distance and through public transit. • Transit-Oriented Development: The Omnitrans Short Range Transit Plan calls for increased public transportation routes, stations and stops in San Bernardino. The creation of a Transit-Oriented Development (TOD) Overlay District at mass Chapter 4: Public Policies 96 City of San Bernardino Analysis of Impediments to Fair Housing Choice transit stations and stops will facilitate economic development in distressed areas while simultaneaously creating a more livable, healthy and safe community by enhancing transit options, encouraging new mixed use development and improving the pedestrian environment. • Residential Standards for General Commercial 3 District: The City permits mixed- use residential development in the Commercial General-3 (CG-3) zone, but the Development Code explicitly states development standards or a maximum density for mixed-use residential uses in the CG-3 zone (current standards default to those in the CG-2 zone). Development standards will provide property owners and the development community with a better understanding of the residential development potential in this district. • Corridor Improvement Program: The Corridor Improvement Program is an option package of policy, regulatory and incentives intended to stimulate investment and development in the Corridor Strategic Areas. Key incentives include allowing increased densities for housing and mixed-use projects within 500 feet of a transit stop, increasing densities and FARs for mixed-use projects that replace strip commercial on arterials and increased density projects that include lot consolidation. • General Lot Consolidation Incentive: Small, individual lots offer limited development potential and generally cannot support onsite property management. Development opportunities could be increased through a small-lot consolidation program that offers a 15 percent density bonus for projects with a residential component that are committing to a maintenance plan and having on- site management. This encourages a more efficient use of the land while ensuring adequate long-term maintenance and oversight of a property. • Density Bonus Provisions: Density bonus provisions reward developers providing affordable housing to seniors or families with an increase in density and reduced parking, reduced setbacks and other factors that decrease the cost of housing production. Density bonus projects can be an important source of housing for lower and moderate income households. Housing and Neighborhood Preservation • Acquire, Rehabilitate and Resell Foreclosed Homes: Several thousand homes in San Bernardino have been foreclosed, many of which were abandoned or improperly secured and have significantly deteriorated or been vandalized by squatters and thieves. The City has identified intermediary service providers to rehabilitate, manage, market and close the sale of previously deteriorating foreclosed homes. • Acquire, Rehabilitate and Rent Neglected Properties: Numerous multifamily properties in San Bernardino are frequent code violators and have deteriorated due to deferred maintenance resulting from poor management, foreclosure or abandonment. These properties offer opportunities for the City to acquire Chapter 4: Public Policies 97 City of San Bernardino Analysis of Impediments to Fair Housing Choice relatively affordable buildings and facilitate their rehabilitation or demolition and reconstruction for high quality lower income rental housing. • Homebuyer and Owner Education: Some new homebuyers and existing owners are not properly informed of the responsibilities of homeownership and could greatly benefit from educational programs on credit, lending and home maintenance topics. • Single-Famiy Rental Property Inspection: The City's Single-Family Rental Property Inspection Program requires that all property owners and companies that lease single-family detached or attached homes be annually inspected by Code Enforcement staff. The inspection documents the condition of single- family rental housing, provides opportunities to educate owners and tenants about their responsibilities to the property, identify illegal rental units and combat blighted conditions that reduce property values. • Multifamily Inspection Program: With increased age, overuse and inadequate property maintenance, multifamily housing can become a visual blight and hazardous to public health and safety. Inspecting multifamily housing identifies deferred maintenance and code violations, provides oversight to property managers, and refers violators to assistance programs. • Neighborhood Housing Services of the Inland Empire Neighborhood Maintenance Program: Neighborhood Housing Services of the Inland Empire administers a Neighborhood Maintenance Program in San Bernardino. The program provides - exterior home improvement grants up to $10,000 to lower and moderate income homeowners occupying single-family homes. • Onsite Property Management Incentives: Onsite property management provides quick response to owner and tenant needs such as unit inspections, unit repairs and use and maintenance of common space areas and parking facilities. The presence of a manager encourages tenants to report malfunctions, which in turn can improve living conditions and better preserve the quality of the housing stock. Although the long-term benefits to the tenants and property owner are numerous, some project developers may need encouragement to commit to property management plan and provide a unit for an onsite manager. The City will identify funds to subsidize one unit on each participating property for a moderate income household to be occupied by an on-site manager. • Oldtimers Grant Program: The Economic Development Agency supports the Oldtimers Grant Program, administered by the Oldtimers Foundation, a local not- for-profit organization dedicated to resident and neighborhood improvement. The Oldtimers Grant Program provides up to $750 per unit for home repairs for units occupied by lower income seniors and disabled households. • Neighborhood Initiative Beautification Program: The Neighborhood Initiative Beautification Program provides grants up to $5,000 to lower and moderate income homeowners or tenants for exterior beautification projects in targeted Chapter 4: Public Policies 98 City of San Bernardino Analysis of Impediments to Fair Housing Choice areas of the community. The grants support improvements such as exterior painting, landscaping (including outdoor watering systems), fencing, security lighting and roofing. Although project funding has not been secured for years beyond 2009, the City will apply to HUD for additional funds. • Preservation of Assisted Multifamily Rental Housing: As affordability covenants expire, the City will collaborate with public and private housing agencies and organizations that qualify for the right of first refusal for privately owned, assisted multifamily rental housing. • Lead Hazard Control: The purpose of the Lead Hazard Control program is to identify and control lead based paint hazards in both privately and publicly owned housing for rental and owner occupants. • Mobile Home Grant Repair Program: Supported by the Economic Development Agency and administered by NHSIE, the program provides grants of up to $5,000 for mobile home repairs. Affordable Housing Assistance • First Time Homebuyer: The City of San Bernardino Economic Development Agency provides up to 20 percent of the purchase price of the home to qualifying lower and moderate income homebuyers. These funds can be used towards downpayment and closing costs. The loan is deferred silent second with no monthly payments and is forgiven if the homeowner resides in the home for a period of 45 years. The loan must be repaid, plus there will be a certain percentage of equity share when the home is sold, transferred, refinanced or converted into a rental property. • Utility Assistance: Many lower and moderate income households must defer utility payments or avoid using utilities to afford critical items like health care and mortgage payments. The City provides utility assistance to such households. • Emergency Shelter Grant Program: The Economic Development Agency uses federal and local funds to support organizations that provide emergency shelter to homeless individuals and families in San Bernardino. The City has assisted with purchase, rehabilitation and operations of a four-unit apartment complex for emergency shelter operated by the Frazee Community Center. • Transitional Housing Assistance: The Economic Development Agency supports various transitional housing facilities in San Bernardino. For example, the City has provided grants to the Obershaw House for transitional housing to families with children and to several battered women's shelters. • California State University, San Bernardino, Professor Homebuyer Assistance: The California State University, San Bernardino, administration and City of San Bernardino seek to accommodate the housing needs of professors. Providing Chapter 4: Public Policies 99 City of San Bernardino Analysis of Impediments to Fair Housing Choice housing assistance within the City encourages homeownership investment in the community, retains high quality staff and establishes an additional bond between the City and university. The City will provide downpayment assistance, up to 20 percent, to California State University, San Bernardino, professors purchasing a home in the City of San Bernardino. Equal Housing Opportunity • Reasonable Accommodation Ordinance: The City of San Bernardino does not have a formal process for requesting exemptions from government regulations for the purpose of creating housing accessible to disabled persons. A Reasonable Accommodation Ordinance will enact a process for disabled individuals for those acting on their behalf) to make requests for reasonable accommodation for relief from burdensome land use, zoning or building laws rules, policies, practices and/or procedures. The City will make the information available at City Hall and on the City's website. • Universal Design Features: Universal design features are accessible designs that create barrier-free spaces. Universal design can make a home accessible to persons with disabilities and comfortable for general use. By incentivizing or requiring assisted new construction or rehabilitation projects to include universal design features, the City would increase its housing stock that is appropriate for aging in place and special needs. • Fair Housing Mediation: The Inland Fair Housing and Mediation Board provides education, dispute resolution and legal advising services to San Bernardino owners, landlords and tenants in conflict. Such services are particularly important for lower and moderate income households unable to afford retaining counsel. The City refers persons with housing discrimination or other fair housing inquiries to the Inland Fair Housing and Mediation Board for assistance. • Permanent Emergency Shelter Ordinance: The City will create a permanent ordinance for this area that defines emergency shelters and establishes appropriate standards for new and adaptive reuse emergency shelters. • Transitional and Permanent Supportive Housing: The City will amend the development code to adequately define transitional and permanent supportive housing and permit these uses based on unit type, in accordance with Senate Bill 2. • Operation Phoenix: An approach to City improvement involving crime suppression, criminal activity intervention and preventative measures to support healthy childhood development. Chapter 4: Public Policies 100 City of San Bernardino Analysis of Impediments to Fair Housing Choice L. Administrative Policies 1. Equal Opportunity and Affirmative Marketing It is the policy of the City of San Bernardino to actively promote and provide equal employment opportunity to all persons on all matters affecting City employment. The City of San Bernardino is committed to a policy of non-discrimination in employment practices and reaffirms its commitment that no person shall benefit or be discriminated against on the bases of race, religion, color, national origin, ancestry, physical or mental disability, medical condition, marital status, age, sex, sexual orientation or any other basis that is inconsistent with federal or state statues, the City Charter, ordinances, resolutions, rules or regulations. To ensure enactment of this policy, the City adopted an Equal Employment Opportunity Plan (EEOP). The EEOP establishes responsibility and accountability for the City's Equal Employment Opportunity Program. The plan analyzes the City's work force, identifies areas of under-utilization, and establishes specific objectives for addressing areas of under-utilization for achieving a representative work force at all levels of employment. To achieve a successful program, the City requires the full support and cooperation of its officers and employees in following both the spirit and intent of this Plan. Equal opportunity is consistent with sound management and quality services. [Awaiting verification and additional information on this section] Chapter 4: Public Policies 101 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 5 Fair Housing Practices This chapter provides an overview of the institutional structure of the housing industry with regard to fair housing practices. In addition, this chapter discusses the fair housing services available to residents, as well as the nature and extent of fair housing complaints received by the fair housing provider. Typically, fair housing services encompass the investigation and resolution of housing discrimination complaints, discrimination auditing/testing and education and outreach, including the dissemination of fair housing information. Tenant/landlord counseling services are usually offered by fair housing service providers but are not considered fair housing services. A. Fair Housing Practices in the Homeownership Market On December 5, 1996, HUD and the National Association of Realtors (NAR) entered into a Fair Housing Partnership. Article VII of the HUD/NAR Fair Housing Partnership Resolution provides that HUD and NAR develop a Model of Affirmative Fair Housing Marketing Plan for use by members of the NAR to satisfy HUD's Affirmative Fair Housing Marketing regulations. Even so, there is still room for discrimination in the housing market. 1. The Homeownership Process One of the main challenges in owning a home versus renting a home is the process. Buying a house takes considerably more time and effort than finding a home to rent. The major legal and financial implications surrounding the process also intimidate potential buyers. Typically, people are overwhelmed by the unique terminology, number of steps required, and financial considerations involved. The process is costly and fair housing issues may surface at any time during this process. Advertising The first thing a potential buyer is likely to do when they consider buying a home is search advertisements either in magazines, newspapers or the internet to get a feel for what the market offers. Language in advertising has recently become an issue within the realm of real estate. Advertisements cannot include discriminatory references such as the use of words describing current or potential residents or the neighbors or the neighborhood in racial or ethnic terms. Some commonly used statements that are discriminatory include: • Adults preferred • Perfect for empty nesters Chapter 5: Public Policies 103 City of San Bernardino Analysis of Impediments to Fair Housing Choice Conveniently located by a Catholic church Ideal for married couples without kids Even the use of models in ads has been questioned, based on the idea that it appears to appeal to a certain race. Additionally, selecting media or locations for advertising that deny information on listings to certain segments of the housing market may also be considered a violation to suggest to a reader whether or not a protected class is preferred. In cities such as San Bernardino, where the majority of residents belong to a specific racial or ethnic group, the homeownership process offers opportunities for fair housing violations due to the natural tendency to advertise in a specific language. While the advertisements may not violate fair housing laws, these advertisements may limit opportunities for other racial/ethnic groups to find housing. As a reminder to choose words carefully, the Multiple Listing Service now prompts a fair housing message when a new listing is being added. Recent litigation has also set precedence for violations in advertisements that hold publishers, newspapers, Multiple Listing Services, real estate agents and brokers accountable for discriminatory ads. Lending Initially, buyers must find a lender that will qualify them for a loan. This part of the process entails an application, credit check and an analysis of ability to repay, amount eligible for, choosing the type and terms of the loan, etc. Applicants are requested to provide a lot sensitive information including gender, ethnicity, income level, age and familial status. Most of this information is used for reporting purposes required of lenders by the Community Reinvestment Act (CRA) and the Home Mortgage Disclosures Act (HMDA); however it does not guarantee that individual loan officers or underwriters will not misuse the information. A report on mortgage lending discrimination by the Urban Land Institute13 illustrates four basic stages in which discrimination can occur: 1 . Advertising and outreach 2. Pre-application inquiries 3. Loan approval/denial and terms/conditions 4. Loan administration A number of different individuals take part in the various stages of this process and any of them may potentially discriminate. Further areas of potential discrimination include: differences in the level of encouragement, financial assistance, types of loans recommended, amount of down payment required and level of customer service provided. 13 The Urban Land Institute, Mortgage Lending Discrimination: A Review of Existing Evidence. June 1999. Turner, Margery Austin and Skidmore, Felicity, Editors. Chapter 5: Fair Housing Practices 104 City of San Bernardino Analysis of Impediments to Fair Housing Choice Real Estate Agents Finding a realtor is normally the next step, which can be done by looking in newspapers, searching the internet and primarily through referrals. The agent will find the home that fits a buyer's needs, desires and budget based on the amount they are qualified for by the lending institution. Realtors may act as agents of discrimination by unintentionally or even intentionally steering potential buyers to or from a particular neighborhood. The City of San Bernardino has a racially diverse population; however, a real estate agency may assume that some buyers may not be interested in living in certain portions of the City based on existing demographic makeup of the neighborhood. Agents may also discriminate by whom they agree to represent, whom they turn away and comments they make about their clients. Recognizing this potential for discrimination the California Association of Realtors (CAR) has included language on many of their forms disclosing fair housing laws. Many Realtor Associations also host fair housing trainings and seminars to educate their members on the provisions and liabilities of fair housing laws. The Equal Opportunity Housing Symbol is also located on all forms as a reminder. Appraisals Banks order appraisal reports to determine whether or not a property is worth the amount of the loan they will be giving. Generally speaking, appraisals are based on the comparable sales of properties surrounding the neighborhood of the property being appraised. Other factors are taken into consideration, such as the age of the structure, any improvements made, location, etc. Some neighborhoods with higher concentrations of minorities may appraise lower than like properties in neighborhoods with lower concentrations. Unfortunately, this practice is geared toward a neighborhood and not an applicant, and therefore is not a direct violation of fair housing law that can easily be addressed. One effect of this practice, however, is that it tends to keep property values lower in a given neighborhood, thereby restricting the amount of equity and capital available to those residents. Individual appraisers are the ones making the decisions on the amounts; thus, there is room for flexibility in the numbers. As each appraiser is individually licensed, similar to real estate agents, they risk losing their license for unfair practices. Sellers A seller may not want to sell his/her house to certain purchasers based on classification biases protected by fair housing laws, or they may want to accept offers only from a preferred group. Often, sellers are home when agents show the properties to potential buyers and they may develop certain biases based upon this contact. Sellers must sign the Residential Listing Agreement and Seller's Advisory forms, which disclose that a seller understands fair housing laws and practices of nondiscrimination. Yet enforcement is difficult because a seller may have multiple offers and choose one based on a bias. Chapter 5: Public Poficies 105 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Covenants, Conditions and Restrictions Covenants, Conditions and Restrictions (CC&Rs) are restrictive covenants that involve voluntary agreements that run with the land with which they are associated. The Statute of Frauds (Civil Code Section 1624) requires CC&Rs to be in writing, because they involve real property. CC&Rs must be recorded in the County where the property is located in order to bind future owners. Owners of a parcel may agree amongst themselves as to the restrictions on use, but in order to be enforceable, restrictions must be reasonable.14 In the past CC&Rs were used to exclude certain groups such as minorities from equal access to housing in a community. Today, the California Department of Real Estate reviews CC&Rs for all subdivisions of five or more lots, or condominiums of five or more units. This review is authorized by the Subdivided Lands Act and mandated by the Business Professions Code, Section 11000. The review includes a wide range of issues, including compliance with fair housing law. The review must be completed and approved before the Department of Real Estate will issue a final subdivision public report. This report is required before a real estate broker or anyone else can sell the units and each prospective buyer must be issued a copy of the report. If the CC&Rs are not approved, the Department of Real Estate will issue a "deficiency notice," requiring the CC&Rs be revised. Communities with old subdivisions or condominium developments may still contain CC&Rs that do not comply with fair housing laws. A typical example relates to occupancy standards, which an association may see to enforce in order to oust a particular group or discriminate based on familial status or lack thereof. However, provisions in the CC&Rs that violate the fair housing laws are not legally enforceable by the homeowners association. A majority of the housing units in San Bernardino were built prior to the 1 980 and may contain CC&Rs that violate fair housing laws. 3. Insurance Many insurance companies have applied strict guidelines, such as not insuring older homes, that disproportionately affect lower-income and minority households that can only afford to buy in older neighborhoods. Underwriting guidelines are not public information; however, consumers have begun to seek access to these underwriting guidelines to learn if certain companies have discriminatory policies. The California Fair Access to Insurance Requirements (FAIR) Plan was created by the Legislature in 1968 after the brush fires and riots of the 1960s made it difficult for some people to purchase fire insurance due to hazards beyond their control. The FAIR Plan is designed to make property insurance more readily available to people who have 10 Summarized from the fourth edition of California Real Estate Law by William H. Pivar and Robert J. Bruss Dearborn Real Estate Education, 2000. Chapter 5: Fair Housing Practices 106 City of San Bernardino Analysis of Impediments to Fair Housing Choice difficulty obtaining it from private insurers because their property is considered "high risk." The California Organized Investment Network (COIN) is a collaboration of the California Department of Insurance, the insurance industry, community economic development organizations, and community advocates. This collaboration was formed in 1996 at the request of the insurance industry as an alternative to state legislation that would have required insurance companies to invest in underserved communities, similar to the federal Community Reinvestment Act (CRA) that applies to the banking industry. COIN is a voluntary program that facilitates insurance industry investments, which provide profitable returns to investors, and economic and social benefits to underserved communities. 4. Credit and FICO Scores Credit history is one of the most important factors in obtaining a home purchase loan. Credit scores determine loan approval, interest rates associated with the loan, as well as the type of loan an applicant will be given. Applicants with high credit scores are generally given conventional loans, while lower and moderate range scores revert to FHA or other government-backed loans. Applicants with lower scores also receive higher interest rates on the loans as a result of being perceived as a higher risk to the lender, and may even be required to pay points depending on the type of lending institution used. Fair Isaac and Company (FICO), which is the company used by the Experian (formerly TRW) credit bureau to calculate credit scores, has set the standard for the scoring of credit history. Trans-Union and Equifax are two other credit bureaus that also provide credit scores, though they are typically used to a lesser degree. In short, points are awarded or deducted based on certain items such as how long one has had credit cards, whether one makes payments on time, if credit balances are near maximum, etc. Typically, the scores range from the 300s to around 850, with higher scores demonstrating lower risk. Lower credit scores require a more thorough review than higher scores and mortgage lenders will often not even consider a score below 600. FICO scores became more heavily relied on by lenders when studies conducted show that borrowers with scores above 680 almost always make payments on time, while borrowers with scores below 600 seemed fairly certain to develop problems. Some of the factors that affect a FICO score are: • Delinquencies • New accounts (opened within the last twelve months) • Length of credit history (a longer history of established credit is better than a short history) • Balances on revolving credit accounts • Public records, such as tax liens, judgments, or bankruptcies • Credit card balances Chapter 5: Public Policies 107 City of San Bernardino Analysis of Impediments to Fair Housing Choice Number of inquiries Number and types of revolving accounts However, the current mortgage lending crisis was in part a result of lenders providing mortgage financing to borrowers who are not credit worthy, or steering borrowers who can qualify for lower cost loans to the subprime market. B. National Association of Realtors® (NAR) The National Association of REALTORS® (NAR) has developed a Fair Housing Program to provide resources and guidance to REALTORS® in ensuring equal professional services for all people. The term REALTOR® identifies a licensed professional in real estate who is a member of the NAR; however, not all licensed real estate brokers and salespersons are members of the NAR. 1. Code of Ethics Article 10 of the NAR Code of Ethics provides that "REALTORS° shall not deny equal professional services to any person for reasons of race, color, religion, sex, handicap, familial status, or national origin. REALTORS® shall not be a party to any plan or agreement to discriminate against any person or persons on the basis of race, color, religion, sex, handicap, familial status, or national origin." A REALTOR® pledges to conduct business in keeping with the spirit and letter of the Code of Ethics. Article 10 imposes obligations upon REALTORS® and is also a firm statement of support for equal opportunity in housing. A REALTOR° who suspects discrimination is instructed to call the local Board of REALTORS®. Local Boards of REALTORS° will accept complaints alleging violations of the Code of Ethics filed by a home seeker who alleges discriminatory treatment in the availability, purchase or rental of housing. Local Boards of REALTORS° have a responsibility to enforce the Code of Ethics through professional standards procedures and corrective action in cases where a violation of the Code of Ethics is proven to have occurred. Additionally, Standard of Practice Article 10-1 states that "REALTORS® shall not volunteer information regarding the racial, religious or ethnic composition of any neighborhood and shall not engage in any activity which may result in panic selling. REALTORS® shall not print, display or circulate any statement or advertisement with respect to the selling or renting of a property that indicates any preference, limitations or discrimination based on race, color, religion, sex, handicap, familial status, or national origin." 2. Diversity Certification NAR has created a diversity certification, "At Home with Diversity: One America" to be granted to licensed real estate professionals who meet eligibility requirements and complete the NAR "At Home with Diversity" course. The certification will signal to Chapter 5: Fair Housing Practices 108 City of San Bernardino Analysis of Impediments to Fair Housing Choice customers that the real estate professional has been trained on working with diversity in today's real estate markets. The coursework provides business planning tools to assist real estate professionals in reaching out and marketing to a diverse housing market. The NAR course focuses on diversity awareness, building cross-cultural skills, and developing a business diversity plan. C. California Department of Real Estate (DRE) The California Department of Real Estate (DRE) is the licensing authority for real estate brokers and salespersons. As noted earlier, not all licensed brokers and salespersons i are members of the National or California Association of REALTOR®. I The DRE has adopted education requirements that include courses in ethics and in fair s housing. To renew a real estate license, each licensee is required to complete 45 hours of continuing education, including three hours in each of the four mandated areas: Agency, Ethics, Trust Fund, and Fair Housing. The fair housing course contains information that will enable an agent to identify and avoid discriminatory practices when providing real estate services to clients. Prior to July 1, 2007, a real estate salesperson renewing the license for the first time must complete separate three-hour courses in Agency, Ethics, Trust Fund Handling, and Fair Housing to qualify for renewal. All licensees, with the exception of those renewing for the first time, are required to complete a full 45 hours of continuing education for each license renewal. At least 18 hours of course work specifically designated as consumer protection must be completed. An additional 15 hours of approved courses are required, which may be designated as either consumer protection or consumer service courses. For the initial renewal on or after July 1, 2007, the law requires, as part of the 45 hours of continuing education, completion of five mandatory three-hour courses in Agency, Ethics, Trust Fund Handling and Fair Housing and Risk Management. These licensees will also be required to complete a minimum of 18 additional hours of courses related to consumer protection. The remaining hours required to fulfill the 45 hours of continuing education may be related to either consumer service or consumer protection, at the option of the licensee. D. California Association of Realtors® (CAR) The California Association of Realtors (CAR) is a trade association of 92,000 realtors statewide. As members of organized real estate, realtors also subscribe to a strict code of ethics as noted above. CAR has recently created the position of Equal Opportunity/Cultural Diversity Coordinator. CAR holds three meetings per year for its general membership, and the meetings typically include sessions on fair housing issues. Current outreach efforts in the Southern California area are directed to underserved communities and state-licensed brokers and sales persons who are not members of the CAR. Chapter 5: Public Policies 109 City of San Bernardino Analysis of Impediments to Fair Housing Choice E. Local Realtor® Associations REALTOR° Associations are generally the first line of contact for real estate agents who need continuing education courses, legal forms, career development, and other daily work necessities. The frequency and availability of courses varies amongst these associations, and local association membership is generally determined by the location of the broker that an agent works for. Complaints involving agents or brokers may be filed with these associations. Monitoring of services by these associations is difficult as detailed statistics of the education/services the agencies provide or statistical information pertaining to of the members is rarely available. The Inland Valley Association of Realtors (IVAR) serves the City of San Bernardino. Complaints against members are handled by the association as follows. First, all complaints must be in writing. Once a complaint is received, a grievance committee reviews the complaint to decide if it is unworthy of further consideration, if it should be referred back to the complainant for arbitration or if it warrants a formal hearing. If a formal hearing is necessary, the Secretary (Chief Executive Officer) conducts a professional standards hearing with all parties involved. If the member is found guilty of a violation, the member may be expelled from the association, and the California Department of Real Estate is notified. F. Fair Housing Practices in the Rental Housing Market 1. Rental Process Advertising San Bernardino has a large rental market with many available units, unlike most parts of California, which is facing a shortage of rental housing. Often, vacancy is announced either via word of mouth of existing tenants or a for-rent sign outside the property. Unless one happens to drive by the neighborhood or have friends or families currently residing at the property, one may not have access to information regarding vacancy. Furthermore, this practice tends to intensify segregation of neighborhoods and properties that already have a high concentration of a racial/ethnic group. When advertising is done, no checks-and-balances mechanism exists to ensure English advertising is provided. Viewing the Unit Viewing the unit is the most obvious place where the potential renters may encounter discrimination because landlords or managers may discriminate based on race or disability, or judge on appearance whether a potential renter is reliable or may violate any of the rules. Chapter 5: Fair Housing Practices 110 City of San Bernardino Analysis of Impediments to Fair Housing Choice Credit/Income Check Landlords may ask potential renters to provide credit references, lists of previous addresses and landlords, and employment history/salary. The criteria for tenant selection, if any, are typically not known to those seeking to rent. Many landlords often use credit history as an excuse when trying to exclude certain groups. Legislation provides for applicants to receive a copy of the report used to evaluate applications. The Lease Most apartments are rented under either a lease agreement or a month-to-month rental agreement. A lease is favorable from a tenant's point of view for two reasons: the tenant is assured the right to live there for a specific period of time and the tenant has an established rent during that period. Most other provisions of a lease protect the landlord. Information written in a lease or rental agreement includes the rental rate, required deposit, length of occupancy, apartment rules, and termination requirements. Typically, the lease or rental agreement is a standard form completed for all units within the same building. However, the enforcement of the rules contained in the lease or agreement may not be standard for all tenants. A landlord may choose strict enforcement of the rules for certain tenants based on arbitrary factors, such as race, presence of children, or disability. In recent years, complaints regarding tenant harassment through strict enforcement of lease agreements as a means of evicting tenants have increased significantly. Security Deposit A security deposit is typically required. To deter "less-than-desirable" tenants, a landlord may ask for a security deposit higher than for others. Tenants may also face differential treatment when vacating the units. The landlord may choose to return a smaller portion of the security deposit to some tenants, claiming excessive wear and tear. A landlord may require that persons with disabilities with service animals pay an additional pet rent, a monthly surcharge for pets, or a deposit, which is also a discriminatory act. During the Tenancy During tenancy, the most common forms of discrimination a tenant may face are based on familial status, race, national origin, sex, or disability. Usually these types of discrimination appear in differential enforcement of rules, overly strict rules for children, excessive occupancy standards, refusal to make a reasonable accommodation for handicapped access, refusal to make necessary repairs, eviction notices, illegal entry, rent increases, or harassment. These actions may be used as a way to force undesirable tenants to move on their own without the landlord having to make an eviction. Chapter 5: Public Policies 111 City of San Bernardino Analysis of Impediments to Fair Housing Choice 2. Apartment Association of California The California Apartment Association (CAA) is the country's largest statewide trade association for rental property owners and managers. The CAA was incorporated in 1941 to serve rental property owners and managers throughout California. CAA represents rental housing owners and professionals who manage more than 1 .5 million rental units. Under the umbrella agency, various apartment associations cover specific geographic areas. The California Apartment Association has developed the California Certified Residential Manager (CCRM) program to provide a comprehensive series of courses geared towards improving the approach, attitude and professional skills of on-site property managers and other interested individuals. The CCRM program consists of 31.5 hours of training that includes fair housing and ethics along with the following nine course topics: • Preparing the Property for Market • Professional Leasing Skills and the Application Process • The Move-in Process, Rent Collection and Notices • Resident Issues and Ending the Tenancy • Professional Skills for Supervisors • Maintenance Management: Maintaining a Property • Liability and Risk Management: Protecting the Investment • Fair Housing: It's the Law • Ethics in Property Management In order to be certified one must successfully score 75 percent or higher on the comprehensive CCRM final exam. The CAA supports the intent of all local, State, and federal fair housing laws for all residents without regard to color, race, religion, sex, marital status, mental or physical disability, age, familial status, sexual orientation, or national origin. Members of the CAA agree to abide by the provisions of their Code for Equal Housing Opportunity. 3. Apartment Association Greater Inland Empire The Apartment Association of the Greater Inland Empire is a membership organization covering all most of the Inland Empire. The association provides members with the following magazines and resources: • AAGIE — "The Rental Owners and Managers Magazine" • CAA — "Perspective" • Articles on operating your property profitability • Legal Q & A column • Maintenance articles • The latest legislative information — state and local • Advertisements on upcoming seminars and workshops • Listing of vendors who support the industry Chapter 5: Fair Housing Practices 112 City of San Bernardino Analysis of Impediments to Fair Housing Choice Members of the Association are also provided with legislative updates, free operational advice and guidance, credit checking services, access to forms online, a monthly legal forum and educational classes and seminars. These classes and seminars cover environmental training, fair housing information, maintenance classes and California Certified Residential Manager (CCRM) Education Course (which is approved for DRE continuing education credit). The Apartment Association explained that, by law, on-site apartment managers, of their own properties, are not required to have a real estate broker's license, nor are they required to have any credential or training. If the property is managed by a property management company, then at least one member of that company must have a real estate broker's license. The State real estate broker's license test includes fair housing questions, and the license renewal process every four years mandates a three-hour course on fair housing. 4. The National Association of Residential Property Managers (NARPM) The National Association of Residential Property Managers promotes a high standard of property management business ethics, professionalism and fair housing practices within the residential property management field. NARPM is an association real estate professionals who are experienced in dealing managing single-family and small residential properties. Members of the association adhere to a strict Code of Ethics to meet the needs of the community, which include the following duties: • Protect the public from fraud, misrepresentation, and unethical practices of property managers. • Adhere to the Federal Fair Housing Stature. • Protect the fiduciary relationship of the Client. • Treat all Tenants professionally and ethically • Manage the property in accordance with the safety and habitability standards of the community. • Hold all funds received in compliance with state law with full disclosure to the Client. In addition to promoting high standards of business ethics, professionalism and fair housing practices, the Association also certifies its members in the standards and practices of the residential property management industry and promotes continuing professional education. NARPM offers 3 designations to qualified property managers and property management firms: 1. Residential Management Professional, RMP 2. Master Property Manager, MPM Chapter 5: Public Policies 113 City of San Bernardino Analysis of Impediments to Fair Housing Choice 3. Certified Residential Management Company, CRMC Various educational courses are offered as part of attaining these designations including the following fair housing and landlord/tenant law courses: • Advertising For Fair Housing/ADA (2 to 4 hrs) • Fair Housing Issues of Property Managers (4 hrs) • Fair Housing (3 to 6 hrs) • Accommodations and Modifications (3 hrs) • Property Management The Property Code (6 hrs) • Landlord/Tenant Laws G. Fair Housing Services In general, fair housing services include the investigation and resolution of housing discrimination complaints, discrimination auditing and testing, and education and outreach, including the dissemination of fair housing information such as written material, workshops, and seminars. Landlord/tenant counseling is another fair housing service that involves informing landlords and tenants of their rights and responsibilities under fair housing law and other consumer protection legislations as well as mediating disputes between tenants and landlords. This section reviews the fair housing services available in the City of San Bernardino, the nature and extent of fair housing complaints, and results of fair housing testing/audits. 1. Inland Fair Housing and Mediation Board Inland Fair Housing and Mediation Board (IFHMB) is a fair housing agency that works to combat discrimination in housing. IFHMB educates both tenants and landlords as to their rights and responsibilities under fair housing laws. IFHMB provides the following fair housing related services to the residents of San Bernardino: • Fair Housing: Provides information, investigation, education, conciliation and/or referral of housing discrimination complaints. • Landlord-Tenant Mediation: Provides information and education to landlords and tenants about their rights and responsibilities under the California Civil Code. Staff members will also offer to mediate conflicts between tenants and landlords. Housing mediation is a useful tool to promote resolutions to problems and avoid needless litigation in the rental/housing industry. • Pre-Litigation Mediation: Utilizes a neutral third-party mediator to offer clients a less threatening and more flexible forum for residents and business dispute resolution. Dispute resolution is available in many areas including commercial and residential real estate, consumer-merchant, insurance coverage, housing, creditor-debtor, civil litigation, partnership and franchising. Chapter 5: Fair Housing Practices 114 City of San Bernardino Analysis of Impediments to Fair Housing Choice • Alternative Dispute Resolution: The California Dispute Resolution Act of 1986 provides the authority for mediation in the legal court system. • Mobilehome Mediation: Specialized problem solving based on Mobile Home Residency Law that reflects the dual ownership and unique lifestyle of the Mobile Home community. In-park workshops are also available for education on rights and responsibilities and understanding of the Mobile Home Residency Law (MRL). • Senior Services: Mediates conflicts between seniors and Social Security, Med- Cal, utility companies, collection agencies, neighbors and other parties in dispute. A Care Referral Service such as personal care, housekeeping, transportation and shopping and home maintenance is available as well. • Outreach: Engages in community meetings, high schools, colleges, English as a Second Language (ESL) participants, Realtors and all other parties interested in learning how to avoid housing discrimination and the corresponding rights and responsibilities. • Home Counseling Services: Provides first time homebuyer education, pre- purchase counseling and reverse equity mortgage counseling. 2. Department of Fair Employment and Housing The California Department of Fair Employment and Housing (DFEH) investigates complaints of employment and housing discrimination based on race, sex, religious creed, color, national origin, medical condition (cured cancer only), ancestry, physical or mental disability, marital status, or age (over 40 only). DFEH also investigates complaints of housing discrimination based on the above classes, as well as children/age, and sexual orientation. DFEH established a program in May 2003 for mediating housing discrimination complaints, which is a first for the State of California and is the largest fair housing mediation program in the nation to be developed under HUD's Partnership Initiative with state fair housing enforcement agencies. The program provides California's tenants, landlords, and property owners and managers with a means of resolving housing discrimination cases in a fair, confidential, and cost-effective manner.15 Key features of the program are: 1) program is free of charge to the parties; and 2) mediation takes place within the first 30 days of the filing of the complaint, often avoiding the financial and emotional costs associated with a full DFEH investigation and potential litigation. The fair housing service providers work in partnership with HUD and DFEH. After a person calls in for a complaint, an interview takes place, documentation is obtained and issues are discussed to decide on the course to proceed. Mediation/conciliation is offered as a viable alternative to litigation. If the mediation/conciliation is successful, 15 DFEH News Brief, May 29, 2003 Chapter 5: Public Policies 115 City of San Bernardino Analysis of Impediments to Fair Housing Choice the case is closed after a brief case follow-up. If the mediation/conciliation is unsuccessful, the case is then referred to DFEH or HUD. If during case development further investigation is deemed necessary, testing may be performed. Once the investigation is completed, the complainant is advised of the alternatives available in proceeding with the complaint, which include: mediation/conciliation, administrative filing with HUD or DFEH, referral for consideration to the Department of Justice, Civil Rights Division, Housing and Civil Enforcement Section, or referral to a private attorney for possible litigation. H. Fair Housing Statistics As part of the enforcement and tracking services provided by the above mentioned fair housing service providers, intake and documentation of all complaints and inquiries result in the compilation of statistics provided in the form of quarterly and annual reports. 1. Inland Fair Housing and Mediation Board The IFHMB tracks fair housing statistics for the City of San Bernardino. Table 59 shows the types of discrimination cases that were reported to IFHMB from Fiscal Year 2006 through 2010 (present). A total of 382 households and 1,007 persons filed complaints. IFHMB also tracks discrimination based on religion and arbitrary discrimination. However, there have been no complaints on these bases. Landlord/tenant complaints reported to IFHMB are shown in Table 60. Disability-based complaints were the most prevalent basis of discrimination in San Bernardino. Race-based complaints were also high, followed by familial status and national origin. The IFHMB also tracks discrimination complaints with more than one basis. The most prevalent among these was race and disability and disability and age. Again, disability is a common basis of discrimination in San Bernardino. Chapter 5: Fair Housing Practices 116 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 59: Basis of Discrimination Complaints 11. 1 1 Basis 2005/06 2006107 2007/08 2008109 2009110 Total Total HH P HH P HH P HH P HH P Hhlds Persons fNational ce 28 85 21 64 16 40 13 36 9 27 87 252 lor 0 0 1 4 1 7 0 0 0 0 2 11 Ori in 5 16 4 11 4 10 4 10 1 2 18 49 Familial Status 4 15 8 32 4 14 3 13 1 6 20 80 Disability 36 67 46 103 29 52 39 111 33 79 183 412 Sex/Gender 7 27 1 2 0 0 2 5 1 2 11 36 Marital Status 0 0 2 7 0 0 1 2 0 0 3 9 Source of Income 0 0 3 8 5 21 1 2 1 2 10 33 Age 7 9 3 6 2 7 1 4 2 6 15 32 Sexual Orientation 1 1 0 0 0 0 0 0 0 0 1 1 Race& Disability 4 11 4 11 0 0 0 0 0 0 8 22 Race,Sex&Disability 1 2 0 0 0 0 0 0 0 0 1 2 Race& Familial Status 0 0 1 8 0 0 0 0 0 0 1 8 Race&Color 0 0 1 2 0 0 0 0 0 0 1 2 Race&Sex 1 1 0 0 0 0 0 0 0 0 1 1 Race, Sex,National Origin &Familial Status 1 3 0 0 0 0 0 0 0 0 1 3 Race&Age 0 0 1 6 0 0 0 0 0 0 1 6 Race&Source of Income 0 0 1 1 0 0 0 0 0 0 1 1 National Origin&Disability 1 8 1 2 0 0 0 0 0 0 2 10 National Origin&Familial Status 1 5 1 2 0 0 0 0 0 0 2 7 Familial Status&Disability 0 0 2 4 0 0 0 0 0 0 2 4 Disability&Age 2 2 1 2 0 0 0 0 0 0 3 4 Sex&Familial Status 0 0 1 3 0 0 0 0 0 0 1 3 Sex&Marital Status 0 0 1 1 0 0 0 0 0 0 1 1 Marital Status&Age 0 0 2 9 0 0 0 0 0 0 2 9 Marital Status&Sex 0 0 1 3 0 0 0 0 0 0 1 3 Disability&Source of Income 0 0 1 1 0 0 0 0 0 0 1 1 Marital,Status, Disability& Source of Income 0 0 1 3 0 0 0 0 0 0 1 3 Sex, Marital Status& Familial Status 0 0 1 1 2 1 0 0 0 0 0 0 1 2 Religion 0 0 0 0 0 0 0 0 0 0 0 0 Other Arbitrary Factor 0 0 0 1 0 1 0 0 0 0 0 0 0 0 Total Discrimination Com taints 99 252 110 1 297 61 1 151 64 183 48 1 124 382 1,007 Hnlds=Households Souroe:Inland Fair Housing Mediation.Board,FY 2006-2010 Chapter 5: Public Policies 117 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table .1 Landlord/Tenant Complaints 11. 1 1 2005106 2006107 2007/08 2008109 2009/10 Total Total HH P HH P HH P HH P HH P Hhlds Persons Complaints 1799 12,524 1814 12,659 1562 11,847 1740 12,475 1536 11,879 1 3,451 1 11,384 Hhlds=Households Source:Inland Fair 1-Iming Mediation Board,FY 2006-2010 2. Department of Fair Employment and Housing The mission of the Department of Fair Employment and Housing (DFEH) is to protect Californians from employment, housing and public accommodation discrimination, and hate violence. To achieve this mission, DFEH keeps track of and investigates complaints of housing discrimination, as well as complaints in the areas of employment, housing, public accommodations and hate violence. [Awaiting additional data] 3. U.S. Department of Housing and Urban Development The U.S. Department of Housing and Urban Development (HUD) maintains a record of all housing discrimination complaints for jurisdictions, including San Bernardino County and the jurisdictions that make up the County including the City of San Bernardino. These grievances can be filed on the basis of race, color, national origin, sex, disability, religion, familial status and retaliation. From January 2004 to December of 2009, 320 fair housing cases were closed by HUD and FHAP (Fair Housing Assistance Program) in San Bernardino County, 66 of these were in the City of San Bernardino. In the City of San Bernardino, race and disability based cases were the most common. Together, they account for 83 percent of all closed cases in the City from 2004 to 2009 (Table 61). Race and disability are also the most common basis for a case in most neighboring jurisdictions as well as the County as a whole. Familial status and national origin more common in San Bernardino than other jurisdictions, with the exception of Ontario's large number of national origin based cases. . .le 61: Basis of Discrimination of r with HUD 2004-2009 Basis of Complaints Race Color National Sex Disability Religion Familial Retaliation Origin Status San Bernardino 31 2 11 6 24 0 10 5 Chino 4 0 4 2 10 0 2 0 Hesperia 3 1 1 1 6 0 1 1 Fontana 18 1 5 1 6 0 5 2 Ontario 7 0 26 6 14 0 3 12 Loma Linda 4 0 1 1 3 2 2 0 Rancho Cucamonga 13 0 4 0 12 0 2 1 U land 9 0 2 1 3 0 7 2 Viclo ville 15 0 0 0 5 0 1 3 Count 150 4 74 26 116 8 50 36 Note:A case may have multiple bases therefore the number of complaints opened are difficult to determine. Source:Department of Housing and Urban Development(HUD),2010 Chapter 5: Fair Housing Practices 118 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table 62 shows the way in which cases were closed throughout San Bernardino County. In the County overall, most cases (62 percent) were closed with no cause found. However, over $185,000 was paid in compensation for other cases that were resolved and closed. The City of San Bernardino followed the same pattern with most cases (58 percent) being closed with no cause. Slightly more than one third (36 percent) of the cases were conciliated or resolved with $28,623 being paid out in compensation. r ' r IMME M=M r a= •J=dl 1 11� 11 Referred Compensation Total Closing Aosur Conciliated No Cause and Closed for Conciliation Cases Category Closure or Resolved Cause by DOJ or Resolution (amount) Closed San Bernardino 4 24 38 0 0 $28,623 66 Chino 2 4 10 0 0 $20,750 16 Hesperia 0 2 7 0 0 $1,500 9 Fontana 4 6 17 3 0 $47,050 30 Ontario 6 13 20 9 0 $47,706 48 Loma Linda 2 3 5 0 0 $3,341 10 Rancho Cucamonga 4 12 12 0 0 $7,940 28 Upland 2 7 10 1 0 $4,625 20 Victorville 2 7 12 0 0 $6,959 21 County 44 100 197 14 0 $185,749 320 Source:Department of Housing and Urban Development(HUD).Accessed February 2010. I. Testing As part of IFHMB's service contract with the City of San Bernardino, testing is conducted on an ongoing basis. IFHMB conducts complaint based testing as well as audit testing. Audit testing is conducted based on advertisements IFHMB finds, when they are advised of a practice, or when an owner is not being compliant. From January 2009 to December 2009, IFHMB conducted testing in the City of San Bernardino eight times. Out of the eight, four tests were based on familial status, three on race and one was based on disability. Only three, (one regarding race and two regarding familial status) were closed being deemed as having no cause. The remaining five of the tests are still active and under investigation. J. Hate Crimes Hate crimes are crimes that are committed because of a bias against race, religion, disability, ethnicity, or sexual orientation. In an attempt to determine the scope and nature of hate crimes, the Federal Bureau of Investigation's (FBI) Uniform Crime Reporting Program collects statistics on these incidents. Chapter 5: Public Policies 119 City of San Bernardino Analysis of Impediments to Fair Housing Choice To a certain degree, hate crimes are an indicator of the environmental context of discrimination. These crimes should be reported to the police or sheriff's department. On the other hand, a hate incident is an action or behavior that is motivated by hate but is protected by the First Amendment right to freedom of expression. Examples of hate incidents can include name calling, epithets, distribution of hate material in public places, and the display of offensive hate-motivated material on one's property. The freedom guaranteed by the U.S. Constitution, such as the freedom of speech, allows hateful rhetoric as long as it does not interfere with the civil rights of others. Only when these incidents escalate can they be considered an actual crime. In the City of San Bernardino nine hate crimes were reported in 2008. While this is the highest number of hate crimes reported in a San Bernardino jurisdiction, the City of San Bernardino is the largest city in the County. Race and sexual orientation motivated hate crimes were the most prevalent in the City as well as other reporting jurisdictions. Disability was not a motivation for reported hate crimes and, overall, there was an equal number of religiously motivated hate crimes as ethnically motivated hate crimes. T2008 able Basis of Race Religion Sexual Ethnicity Disability Total complaints Orientation San Bernardino 4 1 4 0 0 9 Fontana 1 0 0 0 0 1 Ontario 5 1 0 0 0 6 Upland 1 0 0 0 0 1 Chino 1 1 2 0 0 4 Hesperia 0 0 0 2 0 2 Rialto 0 0 0 1 1 0 1 Redlands 2 2 1 1 0 4 Montclair 0 0 0 1 0 1 San Bernardino 14 5 7 5 0 31 County Total Note: The numbers above are based on the reporting of hate crimes by local agencies. Not all jurisdictions in San Bernardino County reported statistics. The San Bernardino County(Total)figures represent the sum of all cities m San Bernardino County that did report hate crime statistics in 2018. Source:U.S.Department of Justice Federal Bureau of Investigation,2008. K. NIMBYism Many people agree that a variety of housing should be available for people with special needs, such as homeless shelters, affordable housing, and group homes for people with disabilities. However, whether or not these types of housing should be located within their own community is another matter. The Not-in-My-Back-Yard sentiment (NIMBYism) can serve as the most significant constraint to the development of affordable or even market-rate multi-family housing. NIMBYism describes opposition by residents and public officials alike to additional or different kinds of housing units in their neighborhoods and communities. The NIMBY syndrome often is widespread, deeply ingrained, easily translatable into political Chapter 5: Fair Housing Practices 120 City of San Bernardino Analysis of Impediments to Fair Housing Choice actions, and intentionally exclusionary and growth inhibiting. NIMBY sentiment can reflect concerns about property values, service levels, community ambience, the environment, or public health and safety. It can also reflect racial or ethnic prejudice masquerading under the guise of a legitimate concern. NIMBYism can manifest itself as opposition to specific types of housing, as general opposition to changes in the community, or as opposition to any and all development. Community opposition to high-density housing, affordable housing, and housing for persons with special needs (disabilities and homeless) is directly linked to the lack of such housing options for residents in need. In particular, community opposition is typically strongest against high-density affordable housing and group homes for persons with mental disabilities. Community residents who are especially concerned about the influx of members of racial and ethnic minority groups sometimes justify their objections on the basis of supposedly objective impacts like lowered property values and increased service costs. Racial and ethnic prejudice often is one root of NIMBYism, although NIMBY concerns still exist where racial or ethnic differences are not involved. The California legislature has passed various anti-NIMBYism housing bills to prevent communities from rejecting affordable housing projects, including: • SB 1721 - The bill stipulates that a local agency shall not disapprove an affordable housing development project, including agricultural worker housing, or condition approval, including through the use of design review standards, in a manner that renders the project infeasible for development for the use of very - low, low or moderate income households. • SB 2 - Expands the Housing Accountability Act, to prohibit localities from denying a proposal to build an emergency shelter, transitional housing or supportive housing if it is needed and otherwise consistent with the locality's zoning and development standards. Chapter 5: Public Policies 121 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 6 Progress Since 2006 This chapter summarizes and compares key findings of the previous Al document completed in 2006 in order to evaluate the progress toward addressing impediments to fair housing choice. A. Expanding Affordable Housing Opportunities Potential Impediments Compared to other neighboring communities, San Bernardino had the third lowest median home price at $247,500 in 2006. However, given the median income of San Bernardino households was $31,140, or just 74 percent of the countywide median income $42,068, homeownership is beyond the reach of most extremely low, low and moderate income households. Approximately 55 percent of all households in San Bernardino are low and moderate income households earning less than 80 percent of the Median Family Income (MFI). When housing costs are too high compared to income, many households would experience housing problems such as overcrowding and cost burden. As is the case in most Southern California communities, many households are affected by housing cost burden and overcrowding. The incidence of overcrowding in the City (21 percent of households) was much higher than countywide average (15 percent) in 2000. A larger proportion of renter-households (28 percent) experienced overcrowding compared to owner-households (16 percent). Approximately 38 percent of all households in San Bernardino experienced housing cost burden (paying more than 30 percent of gross income on housing costs). Housing affordability alone is not necessarily a fair housing issue. However, when housing affordability issues interact with other factors covered under the fair housing laws, such as household type, composition and race/ethnicity, fair housing concerns may arise. Moreover, with increasingly limited affordability housing opportunities, some homeowners may be disproportionately impacted. Recommended Action 1: The City will continue to provide homeownership opportunities in the community by promoting the First-Time Homebuyer Program. The City will focus outreach efforts towards lower-income households, particularly to Hispanic and Black households since they have more difficulty obtaining financing. Specifically, the City will provide advertisements and workshops in both Spanish and English to inform residents about this program Chapter 6: Progress Since 2006 123 City of San Bernardino Analysis of Impediments to Fair Housing Choice Efforts since 2006: The City has provides information about its Homebuyer Assistance Program via the Economic Development Agency website. This information is not available online in Spanish. Recommended Action 2: The City will continue to facilitate the development of housing for all income groups within the community. As identified in the 2000-2005 Housing Element, San Bernardino's Regional Housing Need Assessment (RHNA) for the 1998- 2005 planning period is to provide for 1,148 housing units for very low income households, 676 units for low income households and 734 units for moderate income households. To meet this need, the City will focus on facilitating affordable housing development through a combination of financial and regulatory assistance. Specifically, the City will work to provide affordable housing throughout the community, avoiding an over impaction of specific neighborhoods. Efforts since 2006: San Bernardino has facilitated the development of 228 affordable housing units for low income senior from 2006 to 2009. This is in addition to 561 market rate units and 128 units of student housing. The City has also approved the development of three income restricted senior housing developments that will provide a total of 245 units, as well as an 80 bed emergency shelter, 120 units of student housing and 60 units of faculty housing. B. Rehabilitation Assistance Potential Impediments Primarily due to their lower-income levels, Hispanic households tend to reside in older residential neighborhoods within the City. Overcrowding, housing cost burden and substandard living conditions impact Hispanic households more than other ethnic groups in the City. Recommended Action 3: The City will continue to provide rehabilitation assistance for owner-occupied and investor-owned single-family housing in the community. Existing programs include the Mobile Home Repair Grant, Elderly/Special Needs Minor Repair Grant Program, Single-Family Beautification Grant Program and Neighborhood Initiative Program, Home Improvement Deferred Loan and Beautification Grant. The City will ensure that information about these programs be provided in the City's brochures, advertisements and website in both English and Spanish. In addition, the City may consider assisting with the acquisition/rehabilitation of rental housing. The City will also continue its Code Enforcement efforts to improve the conditions of the rental housing stock. Efforts since 2006: Information about the Mobile Home Grant Repair Program and the Elderly/Special Needs Minor Repair Grant Program is available online via the Economic Development Agency's website; however information is not available in Spanish. The Exterior Beautification Program is currently on hold due to a popular response to the program. No information is available online Chapter 6: Progress Since 2006 124 City of San Bernardino Analysis of Impediments to Fair Housing Choice about the Home Improvement Deferred Loan and Neighborhood Initiative Program. The current Draft Housing Element includes a program to acquire, rehabilitate and rent neglected properties as lower income rental housing. The City's Code Enforcement Division inspects existing structures and responds to public complaints on code violations. The City's Single Family Rental Property Inspection Program requires that all property owners and companies that lease single-family home, duplexes or triplexes to be annually inspected by Code Enforcement staff. Recommended Action 4: The City will ensure that Spanish speaking staff is available to assist residents in the City regarding code enforcement, housing rehabilitation and other housing services. Efforts since 2006: A total of ten code enforcement staff members, three office clerks and seven code officers are bilingual in English and Spanish. C. Public Policies and Programs Affecting Housing Development Potential Impediments Service providers interviewed for this Al study indicated that there is a general perception that housing options for persons with disabilities are limited and development of alternative housing arrangements for persons with disabilities is often met with opposition. Furthermore, the State of California has recently adopted a new housing law (SB 520) that requires a local jurisdiction to assess its policies and regulations for persons with disabilities. Local jurisdictions are encouraged by the State Department of Housing and Community Development (HCD) to formalize the procedures for reasonable accommodation requests. Recommended Action 5: To expand housing opportunities for persons with disabilities, the City may consider adopting formal reasonable accommodations policies and procedures. Efforts since 2006: The City of San Bernardino does not have a formal reasonable accommodations process. The current Draft Housing Element includes a program (Program 3.4.1) to adopt a Reasonable Accommodation Ordinance by June 2010. Chapter 6: Progress Since 2006 125 City of San Bernardino Analysis of Impediments to Fair Housing Choice D. Access to Financing Potential Impediments While conventional home financing is generally available to San Bernardino residents, the majority of home purchase loan applications were filed by upper income households. Lower income households filed fewer applications and had higher denial rates and lower approval rates than upper income households. Black households had higher home loan denial rates and lower approval rates than any other ethnic group in the City. Furthermore, Hispanic and Black households had lower approval rates and higher denial rates than White applicants. Recommended Action 6: The City will work with local lenders to provide outreach to lower income residents about government-backed financing. The City will encourage local lenders to provide information in both English and Spanish. Efforts since 2006: The City works with lenders that provide outreach to lower income residents in securing government-backed home financing and provides outreach in both English and Spanish. Recommended Action 7: The City will encourage home buying and credit counseling workshops to be held in San Bernardino. These workshops will be held in both English and Spanish. Efforts since 2006: The City of San Bernardino provides homeowner education classes (Homebuyer Education Class, Financial Fitness Class and Home Maintenance Classes) through Neighborhood Housing Services to residents in both English and Spanish. Information about these classes is provided on the City's Economic Development Agency website in both English and Spanish. Recommended Action 8: The fair housing service provider will continue to monitor complaints regarding unfair lending and assess lending patterns using the Home Mortgage Disclosure Act Data (HMDA) and other data sources. Efforts since 2006: IFHMB does not monitor complaints through HMDA but they do use HMDA to determine basic lending patterns for particular banks. IFHMB receives and addresses complaints without involving the City. E. Fair Housing Services and Outreach i Potential Impediments Black residents represented 52 percent of all beneficiaries of fair housing services provided by the Inland Fair Housing and Mediation Board; whereas, Hispanic residents represented 23 percent of all beneficiaries. Compared to their respective share of the City population, these statistics may indicate that Blacks experienced a disproportionate Chapter 6: Progress Since 2006 126 City of San Bernardino Analysis of Impediments to Fair Housing Choice share of housing discrimination and problems while Hispanics may not be reporting their problems. The most frequent bases of fair housing complaints were related to race, disability and familial status. The largest proportion of alleged acts of discrimination was related to eviction and harassment. Recommended Action 9: The City will encourage the fair housing service provider to conduct fair housing workshops for residents, real estate professionals, apartment owners and property managers. Efforts should be made to expand community participation among single-family homeowners lenders property managers and real estate agents. Efforts since 2006: IFHMB conducts various types of fair housing workshops throughout the year. They offer free fair housing workshops to the public in May and October with an additional six to eight workshops scheduled throughout the service area annually. They also conduct six housing industry workshops annually, focusing on disability. Several fair housing workshops are targeted to English as a Second Language (ESL) participants. IFHMB collaborates with other agencies, such as Rolling Start and Head Start, to conduct workshops for their clients regarding fair housing and landlord/tenant issues as they relate to the disabled community. Fair housing workshops are also conducted with city staff with an emphasis on accessibility in new multi- family construction with attention to design requirements. The First Time i-lomebuyer education classes offer a fair housing component and discuss predatory lending issues. IFHMB makes efforts to expand community participation in all their events. Recommended Action 10: Expand efforts in distributing brochures and placement of advertisements in order to inform the public of the fair housing law and their rights. Provide links to fair housing and other housing resources on the City's website. Public counters should also prominently display fair housing information. Efforts since 2006: IFHMB distributes brochures and advertisements regarding fair housing through email, direct mail, distribution at City Hall, libraries and other public agencies as well as radio and television advertising, magazine and newspaper articles, bulletin boards and billboard advertising. Recommended Action 11: The City will continue to work with a qualified fair housing service provider to ensure that an increased number of fair housing testing be performed in the City. Testing should be conducted periodically. Efforts since 2006: IFHMB conducts testing on an ongoing basis. Approximately 50 tests are conducted each year on a variety of bases. Chapter 6: Progress Since 2006 127 City of San Bernardino Analysis of Impediments to Fair Housing Choice Recommended Action 12: Target fair housing education and outreach materials to segments of the population most affected by limited housing choice. This can include the minority households (particularly Blacks and Hispanics), the disabled and families with children. Efforts since 2006: Fair housing education and outreach is targeted to minority j populations, persons with disabilities, and families with children. All outreach is IJ] in English and Spanish. Radio and television advertising and public service announcements are in both English and Spanish. Fair housing education is conducted with the ESL community in both English and Spanish. Disabled housing issues are addressed in fair housing education workshops to Rolling Start clients and the housing industry with specific attention paid to reasonable accommodation and modification issues. Fair housing education to the Head Start Program focuses on information regarding families with children. Chapter 6: Progress Since 2006 128 City of San Bernardino Analysis of Impediments to Fair Housing Choice Chapter 7 Impediments and Recommendations The previous chapters evaluate the conditions in the public and private market that may impede fair housing choice. This chapter builds upon the previous analysis, summarizes conclusions and presents a list of recommendations to help address the impediments. When identifying recommendations, this Al focuses on actions that are directly related to fair housing issues and can be implemented within the resources and authority of the City of San Bernardino. Existing State, local, and federal requirements, such as Affirmative Marketing Plans, Relocation Plans, are not re-stated in this Al. General recommendations, such as supporting the efforts of other agencies or enhancing affordability, are also not included. A. Continued Impediments and Recommendations The following is a list of impediments and key recommendations carried over from the City's previous 2006 Al. 1. Expanding Affordable Housing Opportunities Impediment A-1 The City provides homeownership opportunities in the community by promoting the First-Time Homebuyer Program. However, outreach efforts are not targeted to lower income households. Recommendation A-1: The City provides information about its Homebuyer Assistance Program via the Economic Development Agency website. The City will provide advertisements and workshops in both Spanish and English to inform residents about this program and target lower income households through advertising. 2. Rehabilitation Assistance Impediment A-2: The City provides rehabilitation assistance for owner-occupied and investor-owned single-family housing in the community. Existing programs include the Mobile Home Repair Grant and Elderly/Special Needs Minor Repair Grant Program. Recommendation A-2: Information about the Mobile Home Grant Repair Program and the Elderly/Special Needs Minor Repair Grant Program is available online via the Economic Development Agency's website; however information is not available in Spanish. The City will ensure that information about these programs be provided in the City's brochures, advertisements and website in Chapter 7: Impediments and Recommendations 129 City of San Bernardino Analysis of Impediments to Fair Housing Choice both English and Spanish. In addition, the City may consider assisting with the acquisition/rehabilitation of rental housing. 3. Housing Discrimination Impediment A-3: Discriminatory practices by some landlords continue in the City, especially based on race, disability, familial status, and national origin. While race discrimination has shown some improvement, discrimination against persons with disabilities has increased. Recommendation A-3: The City should continue its outreach efforts through its fair housing service provider to educate landlords and tenants regarding fair housing rights and responsibilities. Random audits should be conducted periodically to identify problem properties and implement reconciliation efforts. B. Updated or New Impediments and Recommendations 1. Fair Housing Services Impediment B-1: While housing information is available online at City website, limited information on fair housing services and resources is provided. Recommendation B-1: The City should provide links to fair housing and other housing resources with current information on its website. Fair housing information should also be displayed prominently at the public counter. Impediment B-2: San Bernardino had higher number of hate crimes than neighboring jurisdictions, which can be explained in part because San Bernardino is much larger than neighboring cities. A majority of hate crimes reported by the FBI in 2008 involved race and ethnicity. Sexual orientation and religion were also noted as motivations for hate crimes committed in the City. Recommendation B-2: The City should continue all efforts at developing and distributing public education and information materials on tolerance, focusing on sexual orientation, race/ethnic relations and religion. The City should continue to participate in and/or sponsor cultural events that celebrate diversity and encourage reporting of hate crimes through the Police Department. 2. Public Policies and Program Affecting Housing Development Impediment B-3: The City of San Bernardino has extensive needs for affordable housing. While the lack of affordable housing is not a fair housing issue per se, it disproportionately affects minority households (especially Hispanic households) in the community. Expanding affordable housing opportunities in the City will directly expand access of decent and adequate housing for minority households. Chapter 7: Impediments and Recommendations 130 City of San Bernardino Analysis of Impediments to Fair Housing Choice Housing conditions issues, such as substandard housing conditions, overcrowding, and lead-based paint hazards, also tend to impact minority households disproportionately. Recommendation B-3: The City should continue to encourage the development of affordable housing through: (1) development fee waivers/reductions; (2) streamlined permit processing; (3) flexibility in applying design and development standards; (4) density bonuses; (5) other general plan, administrative and zoning efforts; and (6) public-private partnerships with developers of affordable housing. The City should continue to offer housing rehabilitation assistance to all households and ensure affirmative marketing efforts are extended to minority households to encourage participation in City programs. Impediment B-4: With budget constraints, sensitivity training was not provided periodically to staff with direct interaction with the public. Currently, the City of San Bernardino offers two cultural diversity training sessions each year that are open to all staff members. Cultural Diversity training is currently not requires for any staff and the City does not track which staff members attend the training sessions. Recommendation B-4: The City should require that staff members in each department, specifically those who interact with the public, attend cultural diversity training periodically but at a minimum at time of employment. Impediment B-5: A substantial income disparity also exists between owner- and renter- households. Lower income households in are more likely to be renter-households than owner-households. In general, housing discrimination issues are more prevalent in the rental housing market since renters are more likely to be subject to conditions in the housing market that are beyond their control. Recommendation B-5: Homeownership is particularly important as a vehicle for providing decent housing for working families. In cooperation with lending institutions, local associations of realtors and fair housing providers, the City should provide outreach to inform lower income households of special local, State and federal homebuyer assistance programs. Impediment B-6: Seniors over 65 years of age represent nearly nine percent of the City's total population. Overall, these senior or elderly households may be less able to make improvements to their housing, deal with challenging situations (such as confronting the landlords or managers), or find affordable housing due to limited income and disabilities. Seniors, particularly the frail elderly with disabilities, are vulnerable to housing discrimination as they often have increased difficulty in finding housing 1 accommodations or face targeted evictions. Recommendation B-6: The City should continue its efforts to expand the variety of available housing types and sizes. In addition to persons with disabilities, senior households can also benefit from a wider range of housing options. To Chapter 7: Impediments and Recommendations 1 131 1 City of San Bernardino Analysis of Impediments to Fair Housing Choice allow seniors to age in place, small one-story homes, townhomes or condominiums may be needed. The City should also consider modifying its housing rehabilitation programs to make financial assistance for accessibility improvements available for renters, as well as homeowners. Impediment B-7: Large households are defined as those with five or more members. Large households are a special needs group because the availability of adequately sized, affordable housing units is often limited. Overall, 22 percent of the City's households were large households and 74 percent of them had housing problems (compared with 50 percent of the all households). Housing problem include housing overpayment, overcrowding and/or substandard housing conditions. Due to the limited availability of affordable housing many small households double-up to save on housing costs and tend to opt for renting. Finding affordable housing of adequate size may be a challenging task for many households, particularly lower and moderate income renter-households, however, large households also often face added discrimination in the housing market. Landlords may discriminate against large families for fear of excessive wear and tear or liability issues related to children. Recommendation B-7: The City should continue its efforts to expand the variety of available housing types and sizes. Rental housing units of adequate size for large households should be encouraged as a large portion of the City's large renter-households experience housing problems. Impediment B-8: The City of San Bernardino does not currently have a formal Reasonable Accommodations procedure in place but has a program to adopt one according to the current Draft Housing Element (Program 3.4.1). Recommendation B-8: The City will adopt a formal Reasonable Accommodations ordinance by June 2010, in accordance with the Housing Element. Impediment B-9: Physical disability is the greatest cited basis for discrimination, according to the U.S. Department of Housing and Urban Development (HUD) and the Department of Fair Housing and Employment (DFEH). Mentally ill tenants also face the barrier of stigmatization and biases from landlords and managers. Recommendation B-9: The City should consider incentivizing or requiring universal design features in new construction or substantially rehabilitation of housing, especially projects that receive financial assistance from the City. The City should also consider modifying its housing rehabilitation programs to make financial assistance for accessibility improvements available for renters, as well as homeowners. Chapter 7: Impediments and Recommendations 132 City of San Bernardino Analysis of Impediments to Fair Housing Choice 3. Lending Practices Impediment B-10: The HMDA data available does not provide information on which loans were actually prime or sub-prime mortgage loan applications among conventional home purchase loans. However, given the high foreclosure rate in the City, significant use of sub-prime lending was likely the situation. Sub-prime lenders generally have interest rates that are higher than those in the prime market. While sub-prime lending cannot in and of itself be equated with predatory lending, studies have shown a high incidence of predatory lending in the sub-prime market. Unlike the prime lending market, overly high approval rates in the sub-prime market is a potential cause for concern when the target clients are considered high-risk. Approval rates differed significantly among the top lenders in San Bernardino, from three percent (HFC Company, LLC) to 77 percent (Mountain West Financial). Recommendation B-10: The City of San Bernardino should review the lending patterns of all financial institutions that provide financial services to the City and participate in City loan programs. Special attention should be directed to home purchase lending in lower income and minority concentration areas. In selecting financial institutions to participate in housing programs, the City should consider the lender's performance history with regard to home loans in low and moderate income areas and minority concentration areas, as well as the lender's activity in other Community Reinvestment Act (CRA) activities such as participation in affordable rental housing projects under programs such as bond financing, tax credit, or the Federal Home Loan Bank Affordable Housing Program. The fair housing service provider should continue to monitor lending activities to identify potential issues. Impediment B-11: HMDA data reveals that the racial/ethnic makeup of applicants for conventional home loans was not necessarily reflective of the racial/ethnic demographics of San Bernardino. In 2008, 56 percent of San Bernardino residents were of Hispanic origin. However, in 2008, Hispanics made up just 38 percent of all applicants. By comparison, White residents made up 21 percent of the population in 2008 and 24 percent of the loan applicants. Also, a difference in the approval rates for home purchase loans for White and non- White households existed in 2008 (Table 36). Among low income households (those earning 80 to 100 percent of MFI), Asians had the highest approval rates (63 percent) while Blacks had the lowest (25 percent). Blacks in the high income category (those earning 120 percent of MFI or more) also had noticeably lower approval rates (27 percent) than Whites (54 percent) and Asians (48 percent). Since it is assumed that most households in this income category are financially capable of purchasing homes, the discrepancy in home loan approval rates indicates a reason for concern. Chapter 7: Impediments and Recommendations 133 City of San Bernardino Analysis of Impediments to Fair Housing Choice Recommendation B-11: The City should expand outreach efforts to minority households, especially Black households, to raise awareness of and education about homeownership opportunities. 4. Demographics Impediment B-12: Residential segregation refers to the degree to which groups live separately from one another. The term segregation historically has been linked to the forceful separation of racial groups. However, as more minorities move into suburban areas and outside of traditional urban enclaves, segregation is becoming increasingly self imposed. The dissimilarity index, presented in Table 6 represents the percentage of one group that would have to move into a new neighborhood to achieve perfect integration with another group. An index score can range in value from 0, indicating complete integration, to 100, indicating complete segregation. In San Bernardino, The dissimilarity index shows that a moderate level of segregation is present for the Hispanic population as compared to Whites, indicating that the two groups tend to live in different census tracts within the City. The dissimilarity index is lower for Asians and Blacks when compared to Whites. Recommendation B-12: The City should continue to offer a range of housing options to allow the greatest residential mobility among its residents. The City should ensure developers and housing providers utilizing local, State, and federal funds adhere to the Affirmative Fair Marketing Plan as required. Impediment B-13: A higher percentage of renter-households (48 percent) were affected by cost burden than all households in the City (38 percent). While housing affordability per se is not a fair housing issue, the lack of affordable housing can create a market condition that offers financial incentives for housing discrimination, and makes discrimination more likely to occur because of the large applicant pool. Recommendation B-13: The City should continue to promote economic development and expand its housing stock to accommodate a range of housing options and income levels. Impediment B-14: The City does not maintain a record of the race or ethnicity of persons serving on commissions such as the Planning Commission, Youth Advisory Commission, Parks and Recreation Commission, Historic Preservation Commission and the Human Rights Commission. It is unclear whether or not these commissions represent the community. Recommendation B-14: The City should strive to achieve a diversity of members serving on commissions that influence and guide city policies, reflecting the race, ethnicity, and other socio-economic characteristics of the City of San Bernardino. Chapter 7: Impediments and Recommendations 134 City of San Bernardino Analysis of Impediments to Fair Housing Choice 5. Housing Market Conditions Impediment B-15: Approximately 49 percent of the housing stock in San Bernardino is over 30 years old (Table 19), indicating the possibility of needed repair and rehabilitation for almost half of the City's housing stock. Home rehabilitation can be an obstacle for senior homeowners with fixed incomes and mobility issues. Typically, lead-based paint hazards also disproportionately impact minority households who tend to be of lower incomes and reside in older housing units. Recommendation B-15: San Bernardino should continue operating their housing rehabilitation programs and increase efforts to promote the housing rehabilitation programs. The City should also consider modifying its housing rehabilitation programs to make financial assistance for accessibility improvements available for renters, as well as homeowners. 6. Public Policies Impediment B-16: A Housing Element found by HCD to be in compliance with state law is presumed to have adequately addressed its policy constraints. The City of San Bernardino is currently in the process of updating its Housing Element. Recommendation B-16: The City should pursue State certification of the Housing Element. Impediment B-17: Currently, the San Bernardino Development Code includes a definition of "family" that constitutes a potential impediment to fair housing choice. Recommendation B-17: The City should consider removing or amending the definition of "family" in its Development Code. Impediment B-18: Zoning ordinances should also avoid "pyramid or cumulative zoning" (e.g. permitting lower-density single-family uses in zones intended for higher density multi-family uses). Pyramid or cumulative zoning schemes could limit the amount of lower-cost multiple-family residential uses in a community and be a potential impediment to fair housing choice. San Bernardino has a form of pyramid zoning by permitting single-family residential uses in multiple-family zones and by not establishing a minimum density for any residential zone. Allowing or requiring a lower density use in a zone that can accommodate higher density uses is regulated by State law. A local government is required to make a finding that an action that results in a density reduction, rezoning or downsizing is consistent with its Housing Element. Recommendation B-18: The City of San Bernardino should consider amending its Development Code to avoid "pyramid or cumulative zoning" by restricting the development of new single-family residential units in land use designations intended for multi-family uses. Chapter 7: Impediments and Recommendations 135 City of San Bernardino Analysis of Impediments to Fair Housing Choice Impediment B-19: California law requires local jurisdictions to adopt ordinances that establish the conditions under which second units are permitted. Second units cannot be prohibited in residential zones unless a local jurisdiction establishes that such action may limit housing opportunities in the region and finds that second units would adversely affect the public health, safety, and welfare in residential zones. The State's second unit law was amended in September 2002 to require use of a ministerial, rather than discretionary, process for reviewing and approving second units. San Bernardino requires a development permit for a second dwelling unit in any residential zone. A development permit requires a hearing and therefore is not a ministerial process. Because second dwelling units can be an important source of suitable and affordable types of housing for seniors and persons with disabilities, overly restrictive or conflicting provisions for these units can be considered an impediment to fair housing choice. Recommendation B-19: San Bernardino should remove the development permit approval required for second units. Impediment B-20: Pursuant to recent changes in State law (SB 2), requires that local jurisdictions make provisions in the zoning code to permit emergency shelters by right in at least one zoning district where adequate capacity is available to accommodate at least one year-round shelter. Local jurisdictions may, however, establish standards to regulate the development of emergency shelters. The San Bernardino Development Code does not permit emergency shelters by right in at least one zone in accordance with State law. Recommendation B-20: The City will amend its Development Code per program 3.4.4 in its Draft Housing Element and create an Emergency Shelter Overlay Zone in the IL zone where shelters serving up to 35 persons will be permitted by right. Impediment B-21: State law (AB 2634 and SB 2) requires local jurisdictions to address the provisions for transitional and supportive housing. Pursuant to SB 2, transitional and supportive housing constitutes a residential use and therefore local governments cannot treat it differently from other types of residential uses (e.g., requiring a use permit when other residential uses of similar function do not require a use permit). The City of San Bernardino does not currently have provisions in place for transitional and supportive housing. Recommendation B-21: The City plans to amend its Development Code per program 3.4.5 in its Draft Housing Element. The City will define and permit transitional and supportive housing based on the unit type rather than the use. Impediment B-22: The City conditionally permits senior citizen housing in the CO-1, CO-2, CG-2, and CR-2 zones, whereas regular multi-family housing is permitted by right in the CG-2 and CR-2 zones. Conversely, the City conditionally permits senior housing in the CO-1 and CO-2 zones where regular multi-family housing is not permitted. By Chapter 7: Impediments and Recommendations 136 I City of San Bernardino Analysis of Impediments to Fair Housing Choice differentiating senior versus family housing in the location and permitting process has been identified by both HUD and the State Department of Housing and Community Development as a potential impediment to fair housing choice. Recommendation B-22: The City should amend its Development Code to permit senior housing in the same manner as multi-family housing. While development standards may be different, the allowable location and permit processes should be consistent. Impediment B-23: California Government Code Section 65915 provides that a local government shall grant a density bonus of at least 20 percent (five percent for condominiums) and an additional incentive, or financially equivalent incentive(s), to a developer of affordable housing. The statute includes a sliding scale of bonuses depending on the amount of affordable units developed. These bonuses reach a maximum density bonus of 35 percent when a project provides either 11 percent Very Low income units, 20 percent Low income units or 40 percent Moderate income units. In addition to a density bonus developers may also be eligible for one or more concessions or incentives. As of February 2010, the San Bernardino Development Code does not comply with State law regarding density bonus provisions. Recommendation B-23: The City of San Bernardino should consider amending their density bonus provisions to comply with State law. Chapter 7: Impediments and Recommendations 137 This page left intentionally blank. Appendix Summary of Public Outreach This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice The City of San Bernardino 2010-2015 Analysis of Impediments to Fair Housing Choice has been developed through a collaborative process involving participation by residents, service providers, and City staff. In addition to analysis of available data sources and review of existing reports and fair housing practices, the City sought public input on fair housing issues through two main avenues: A community meeting was held on January 21, 2010 in the Economic Development Agency Board Room. Participants were introduced to the Analysis of Impediments to Fair Housing Choice process and intent and asked to discuss fair housing concerns. This meeting was held in conjunction with the community meeting to receive input on community needs for the 2010-2015 Consolidated Plan. Invitations and flyers were circulated to community groups and local service providers. A community survey, which assessed fair housing discrimination experiences, was distributed to residents and service providers. Surveys were made available at community centers and public counters, located online, and distributed at the January 21, 2010 community meeting. The survey was integrated with a survey to assess Community Needs for the 2010-2015 Consolidated Plan. Overall, 142 residents and service providers responded to the Community Needs and Fair Housing Survey. Community Meeting The City of San Bernardino conducted a community meeting to gather information and solicit input regarding community needs and fair housing concerns. Community Meeting Date: January 21, 2010 Time: 6:30 PM Location: Economic Development Agency, 201 North E Street, EDA Board Room More than 15 residents and representatives of service provider agencies attended, in addition to the five Community Development Citizens Advisory Committee members. Service providers attending the Consolidated Plan community outreach meeting included: Appendix A: Summary of Public Outreach A-1 City of San Bernardino Analysis of Impediments to Fair Housing Choice • Time for Change • A Servant's Heart Outreach • Central City Lutheran Mission • St. John's Success Center • Inland Fair Housing & Mediation Board • Apartment Association Greater Inland • Project Life Impact Empire • Universal Nursing Systems • OMNIP Following are the notes from the meeting. Priority Needs • Senior housing • Shelters • Fair housing for post-incarcerated persons o Questions regarding previous incarceration on applications for housing limit access to public and affordable housing for post-incarcerated persons • Jobs creation and employment training are needed. Potential jobs could be created out of CDBG projects, such as landscaping or minor construction • Housing Rehabilitation is needed, especially for single-family homes • Development of more multi-family housing and mixed-use/multi-purpose buildings are desired • Solutions to homelessness are needed; a transition from homelessness into a permanent place is critical, including services available for the transition. • Section 8 waitlist- is complex and long, limiting access for many needy families. • There is a general lack of accessible housing for disabled persons. The Inland Fair Housing and Mediation Board noted that in previous times, the most common fair housing complaint that they had was with regard to racial discrimination. Today the most common fair housing complaint is with regard to disability. There is a need for reasonable accommodations/modifications. • Rental gap assistance to keep people in their homes (1 month) would help. people avoid homelessness • Counseling for families in crisis, homeless services (including health care), and services for youth are especially needed • Need for after-school programs (interesting and active). These programs can also provide needed jobs. • Expand community centers to provide youth services • Need for permanent homeless shelter, with counseling and services connected to housing in a one-stop shop. o Some existing housing opportunities: • Veronica's House (transitional housing for 80 families) • Mary's Table (example funded with HOME funds) Appendix A: Summary of Public Outreach A-2 City of San Bernardino Analysis of Impediments to Fair Housing Choice • Concerns regarding seniors and high property taxes • Need for mental health care and housing • Apartment Association — goal to _ operate ethnically and successfully offer e • Know fair housing law, disability law fair housing class • Provides education forms • Provides opportunities and legal advice • Foreclosures are a consistent problem in recent years. • 90-day notice required by owner • Renter is LAST to hear, and often doesn't know whom to pay • Mediation is an option, cash for keys • There are many absentee owners/landlords. The City uses NSP funds to purchase abandoned homes, rehabilitate them, and sells them to lower-income households. • Nonprofit facilities are experiencing budget shortfalls and have a need for affordable space to support their provision of services. • Need for community centers • Expand or consolidated '? youth/seniors • High tech r . • Adopt grandparent • Maybe move parks and recreation • Senior nutrition/services are a continuing need. • Need for nonprofit agency collaboration to offer consolidated services and partnerships. These connections, in addition to working with parents, high school students, families supports all their missions and gets more work done. • Homelessness is increasing as a result of foreclosures; approximately 5,000 foreclosures in the City since January 2008. 0 2,700 homeless San Bernardino students o Emergency food need • Overcrowding is a continuing issue. • Facelift neighborhoods • Jobs training • Safe houses needed for victims of domestic violence • HIV and Emergency Housing and Extended Care is needed Appendix A: Summary of Public Outreach A-3 City of San Bernardino Analysis of Impediments to Fair Housing Choice o In coordination with connections/referrals from local hospitals (streamline) Appendix A: Summary of Public Outreach A-4 City of San Bernardino Analysis of Impediments to Fair Housing Choice City of San Bernardino Housing, Community Needs, and Fair Housing Workshop Thursday January 21, 2010 6:30 p.m. The City of Ban Bernardino invites your participation in a workshop to discuss community development, housing, &fair housing issues The City of San Bernardino receives nearly $5.5 million annually from the federal government for housing, community development, and infrastructure projects. We need your input to help determine housing and community needs in your community for future funding. In addition, we invite you to discuss any fair housing concerns you may have. Fair Housing means equal access to housing regardless of race, color, national origin, ancestry, religion, sex, disability, familial status, marital status, source of income, or sexual orientation. This workshop will be held as part of the Community Development Citizens Advisory Committee meeting held at: City of San Bernardino Economic Development Agency 201 North E St. EDA Board Room (Third Floor) "if you require special arrangements,please contact the Economic Development Agency at(909(663-1044 Appendix A: Summary of Public Outreach A-5 City of San Bernardino Analysis of Impediments to Fair Housing Choice BAN BERNARDINO COUNTY SUN TMen"M�e�e"r 4030 N GEORGIA BLVD.SAN BERNAROINO,CA Well? Telepore(WB)eBB° I Fin"I BB IM Lisa ConnodShereeMeier ECONOMIC DEVELOPMENT AGENCY-CI SBSe:1773678 201 NORTH E ST 41301 CITYOF SAN BERNARDINO NOVSINB.CO U YNEEOS, SAN BERNARDINO,CA-92401 moverr HowiGmrai,Nwld dao The Chy f Sap IflHUMI n UNII.. Your Part clear an IB o.,Mw to d1u B ea. Pmem, hRQcy 4� nll°her PIchno PROOF OF PUBLICATION nearly U.,mbilan Umrrtally franithe federal oevemment for hwslan°, f3015S C.C.P) canm0nlry development M Ifflnut IU ProleM,we need owl smle a celYanle 7 Inwt N Ann drerml ft Inal and MTmannv read.In Y Ilv Courb WBAN BERNMU1oq )s 1nvlM Ybeureto lieu°is anvc oW;,amw,slna N.TYW: OPNSB-GOVERNMENT PUBLIC NOTICE-GS n,,,..] 0.1 F1'alr Nlmufln° re0artlkea of atop IwNmnOal dF.1,111N,nfamalCCl volari.morlIQl An Ddwpdt :5 yw lmpbmnnpSM Hen Meaft, .farm swra, f Inool r x 1 111,Contr u°nlrofY DeveealapmMt CHIMnS Adv[Wq ComTlttee na lln held at IN of S.n I rdP Ewnoml9cp�OeW BpIQQnB°M A" I em nd"an a the UrAetl Seim and a mdded.1 to Bba a Cal WW;l nln EOA BwraR pm ST�I�d F100rI oM'Ne ape a Weld.real and DA a par,b or knodered In Ne 9WVe IlYw reolre SpPCb rrolNemmh, er1ded M"I Ian Se pNOPOI cede a Be pinWrnM WNlanrotelo BAN Plw,e On act BERNARDINO COUNTY SUN,a nevapapx p. Nal In dg Enpllnllen"ga the EtabmlC Develapmea Alvna al In lM dtyol SAN BERNARDINO,Onanly a SAN BERNARDINO,oM NeUdped IIA II,IIMP erewepnpu apmeal4suYtlmeS dented Ey.levee of Bn Cabal 3BS-InSA73, CaAIOmY Wee Bodefar Cart a1.CwWy a SAN BERNARDINO,Seb of the Bronev,dram drat Cl col ha,Ceee W.)nad I .0 N Ned,S oI rH. the of eat ka[Amer.0 bher man WalNrNnwm mean Ne enure Wall,I eat re Wep W r era na b e1ry supaemeM Oared m the dlowinp tlau,In ounrrom,rms2ma E.mMO On.01/182010 AI Les AMeles.CelPwnb I, (u'declare)draw pansy a W 6 ly bN the,areuan0 a I..em IIJ.ew7a�4 5lpiuwre 11111 lul ll�1111III I�I�u16111111111111l d�111111111 ill + A A 0 0 0 0 U 1 5 5 1 1 3 7 8 A Appendix A: Summary of Public Outreach A-6 City of San Bernardino Analysis of Impediments to Fair Housing Choice Proof of Publication Ml.ui.SCCP.)q bTAT80F CALFOANW. SS Countyd5eneemmdino„ [dedm under pmrry of pegury that 1 con a dtlan of dc,UNHd wen wM n rNdent of the County of rsedd.f au om tl Inge of S=yarq.nd cot a putt'to nm interested In the above armed auno.r.m dc,prndpd Berk of the Prefer of the In Cunene Community Nnrepcpa,a mvryaper pnnwd end published,veeM,in Me a ly a An amurdmo,Cwdy d5en aemerdlro oho rvMrh seen,,peer has petlua Nth,Supeder - Coun d erd ramry fa detennNetbn se e rteremper of Postal dndatimt Me —no,15im9:dated May,1,19T2,tlW the Notia a quuliPNon W Defor inafbn m s Ne,rapaper IN Genaet CYrculia— door Patton for �etaWnetim m e Ne,vepepa of _ General p laaon,d,rMrh the annoad re a fennted copy,has ban publlel N in esd regvl.r eM entire in ce d dYd nnreit: and eutineny eupplemenl thueof on the foibrring dvtrq bnl: lanuaryta,21,MM City of San B,mardino 1 rarefy under penalty of panel,that the"We,fe ma and - Housing,Community-Needs,and FWl Housing Wodeahop. ro°nr. Thursday January 21,2010 Daed:bnnery sd,ame 8:90 p.m. /-t The qty of San BemMdlty Invitee your housing,&f In a wod, I,t1��\1—eAl_ -r/�`(\/_\fie— Thep it tlof Sanwmmunllytlewesyour howGy,arein houalny pTUee Mgnsmd The City of San Bernardino N.neatly$5.5 mulldn amualy f= the federal goverment for housing, cammuMly development,antl IrtlresVUCnne prgeM.We Read your Input to help eler,mdes aouelrp W aterhav4ty needs In YOU r community,far taus,lateral 1.aMton, vat Invhe you b ducues any fair housing conemne you may have.Fair floral meare eaual"on". to housing regardse,d am, mlw, netio al origin ancestry,religion,sex,dsshft 180091 value,onsual mhu&,epume of Income,or sexual orientation. Thls Workshop will be heal as pert of the Community Development GtlyerW Advil Co um for meegng hold at: City of San sernardlno Economic,Development Agency 201 North E st.- EDA sound Room(Thud Floor) I'X you RgWre a lar'LI enerpemenl8,pke ea Co nleq NB EwnotNC DavebpnuM Agmy el Ieea)BflA'tMi El Chicano Newspaper P.O.Bar 6247 Son Bernardino,California 92412-6247 Phone(909)381-9898 a 384-0986 FAX Appendix A: Summary of Public Outreach A-7 City of San Bernardino Analysis of Impediments to Fair Housing Choice Community Survey As part of the Analysis of Impediments to Fair Housing Choice, the City conducted a fair housing survey. The survey consisted of questions designed to gather information on a person's experience with fair housing issues and perception of fair housing issues in his/her neighborhood. The survey was available online and in hard copies in English and Spanish; copies of the survey instrument are included in the following pages. Overall, 142 residents and service providers responded to the Community Needs and Fair Housing Survey. A summary of the findings of the survey is included in the text of the Analysis of Impediments to Fair Housing Choice. Specific comments provided by respondents, such as further elaboration made when indicating "Other" in the survey, are included below. On what basis do you believe you were discriminated against? Other-please specify. • Other - I sought & obtained Federal Fair Housing intervention on behalf of all 108 households - and won. Others have access to do the same. Awareness elevation & empowerment are all we lack in SB. The tools are already in place. • Other - At the time, I had a child with medical needs. • Other - Under 62 years old • Other - Not on welfare I work my husband was out of work. We needed help no one was to help because we make too much money. • Other - ZIP code What was your request for reasonable accommodation? • My request was to please allow a medical delivery van have availability to my front drive for medical supplies to be delivered for my child. • Appliance repair request • Employment • A ramp • Safety, security Appendix A: Summary of Public Outreach A-8 City of San Bernardino Analysis of Impediments to Fair Housing Choice What was the basis of the hate crime? Other-please specify. • Other - Youth gangs • Other - On the homeless • Other - Graffiti • Other - Ignorance • Other - Do not know • Other - Gang Appendix A: Summary of Public Outreach A-9 City of San Bernardino Analysis of Impediments to Fair Housing Choice City of San Bernardino 0 Fair Housing Survey Fair housing is a right protected by Federal and State laws. Each resident is entitled to equal access to housing opportunities regardless of race, color, religion, sex, national origin, disability, familial status, marital status, age, ancestry, sexual orientation, source of income, or any other arbitrary reason. The Qty of San Bernardino is conducting an Analysis of Impediments to Fair Housing Choice. We want to hear from you about your experience with fair housing issues and concerns. Please fill in the following survey: t. Have "Lou ever personally experienced discrimination in housing? _Yes _No 2. Who do you believe discriminated against you? a landlord/property manager a real estate agent a mortgage lender _City staff 3. Where did the act of discrimination occur? _an apartment complex a condoftownhome complex a single-family neighborhood _a public or subsidized housing project a trailer or mobilehome park _when applying for City programs 4. On what basis do you believe you were discriminated against?(check all that apply) _Race _Color _Religion _National Origin _Ancestry Gender _Marital Status _Disability _Age _Family Status Source of Income Sexual Orientation I6 p,er1la1emrd wim Midren, (e,welrme,orenploy .ht (ether wu or someone dose to you) rarity won or etpeN a Mild) !nsureri _Other(please elaborate: ) 5. If you believe you he"been discriminated against,have you reported the Incident? _Yes No If No—Why? don't know where to report _afraid of retaliation don't believe it makes any difference _too much trouble S. Have you ever been dented"reasonable accommodation"(flexibility)in rules, policies,or practices to accommodate your dsability? _Yes _No If Yes,what was your request? Appendix A: Summary of Public Outreach A-10 City of San Bernardino Analysis of Impediments to Fair Housing Choice City of San Bernardino Fair Housing Survey (Continued) 7. Has any hate crime been committed in your neighborhood? Yes No Don't Know If Yes,what was the basis(check all that apply) _Race _Color _Religion _National Origin _Ancestry _Gender _Marital Status _Sexual Orientation _Age _Family Status _Source of Income _Disability Other(please elaborate: ) The City works with the Inland Fair Housing and Medlalion Board (IFHMB) to combat discrimination in housing. The IFHMB provides educational, counseling and investigative services proilo9ng fair house choices. fl you reel you may have been discriminated against,please contact them at(800)321-0911. Foreclosure Issues Please answer the following: S. If you own your home,are you at risk of foreclosure or already in the foreclosure process? _Yes _No S. If Yes,are you at risk of foreclosure our in forecosure due to(check all that apply)'. _Loss of income/unemployment _Monthly Payment isAvill increase,we are unable to refinance home to a lower interest rate _Monthly Payment isrwill increase,we are unable to refinance hone to a fixed rate loan _A large one-time payment,built into the structure of the mortgage and due on a specfic date, is required Significant increases in other housing costs(e.g.insurance,taxes, utilities,etc.) I awe more on the home than it is worth so why should I keep paying the mortgage 10. If you have experienced a foreclosure: Are you planning on relo®ling away from the Oty of San Bernardino? Yes No Were you aware oassistance available to help you?(i.e.mortgage adjustments, etc.) Yes No Would you consider homeownership again? Yes No yWuld you tether have rented or owned a home,given recent circumstances? Rented_Owned Please return surveys by January 30,2009 to: Economic Development Agency,201 North E Street,Suite 301,San Bemwdino,CA 92401 For any questions about these surveys,contact:Lisa Connor at(909)6631044 orat Icmnor @sbrda.org Appendix A: Summary of Public Outreach A-11 City of San Bernardino Analysis of Impediments to Fair Housing Choice Ciudad de San Bernardino Encuesta de Vivienda Equitativa Le Vivienda Equitativa es un derecho amparado por las leyes federal"y estatales.Cede residents tiene el derecho a Is igualdad de acceso a oportunidades de vivienda, independientemente de su ram,color, religion, sexo,origen nacional, discapacidad,estado familiar, estado civil, edad, ascendencia, orientaci6n sexual,fuerne de ingresos, o cualquier otra raz6n arbitraria. La Ciudad de San Bernardino esto realizando un AnNisis de Impedimentos a la Election de Vivienda Equitativa. Le Ciudad quiere saber de usted sobre sus expenencias a inquietudes con asuntos de vivienda equitativa. For favor Ilene Is siguiente enwesta: 1. tHa expedmentado personalmente el discrimen de vivienda an la Ciudad de Sari Bemardino? —S1 _No 2. tOU&cree qua he discnminado contra usted? un dueflo/gerente de propiedades _ agents de bienes ralces prestamista hipotecario Personal de la ciudad 3. jEn donde ocurnb el ado de dlscnminea6n? _ colonia de viviendas cdonia de condominios/townhomes vedirdimo de familias individuales _ proi de vivienda p6blica o subvencionada parque de carav8n/casas m6vil _ al solicitor pmgramas de In Ciudad 4. tQuA eonsidera qua hays sido Is base de dicho discrimen? (marque todas las qua se aplican) _Raze Cdar _Religion _Ongen National Ascendencie Sexo _Estado Civil _Discapad dad _Edad Eslado Familiar Fuente de Ingresos Orientation Sexual (padre unity con hips,femilia con (oo e)empo welfew sepum de (ua— o alquien csmsro a usted) Mios o eM enhdp(B t(nedps) desempleo) /,Otra raz6n?(describala: ) S. Si ace qua he lido vicbma de discrimination, Ilia reportado el Incidents? SI _No–y si no 4por qu6 no to he hecho? no sable donde repatario _temor a represalias no pensaba qua tendria sentido _demasiadas molestias S. dAlguna vez he sido denegado"ajustes razonables"(flexibilidad)an las normas,polticas, o practicas pars adaptarse a su discapacidad? _SI No En caso que aI, gcuol fue su petici6n? Appendix A: Summary of Public Outreach A-12 City of San Bernardino Analysis of Impediments to Fair Housing Choice Ciudad de San Bernardino Encuesta de Vivienda Equitativa(Continuacl6n) 7. 4Ha habido delitos de odio en su vecindano? S1 No No S6 En ceso qua sl, ncual fue la rez- ?(marque todas las qua apliquen) Raza _Color _Reli gi6n _Origen National _Ascendencia _Sexo _Estado Civil Odentad6n Sexual Edad Estado Familiar _Fuente de Ingresos _Discapacidad _t,Otra raz6n?(descdbala : ) La Ciudad babalia con to Junta de Was de Vivienda Justa y Madiaci& (IFHMB) pare luchar contra la discdminaci6n de opoltunidades de viviendas. La IFHMB proveer servicios de informaddin, educaci6n, asesoramiento a investigaci6n que promueven las elecniones de viviende equitatrVa. Si stente qua puede hater sido vic6ma de discdminacl6n, por favor comunlcase con IFHMB al(800)321-0911. Probelmas de Juicio Hipotecario Por favor contests to siguiente: 8. Si usted as duet o/a de su case, test&an deago de ejecuci6n o ya an el proceso de ejecuci6n hipoteraria? Si No 9. En caso que si,tcual es le raz6n por ester en nesgo de ejecuci6n o en proceso de ejecuci6n hipotecada?(marque todas las que apliquen): _P6rdida de ingresos o desempleo El pago mensual esta o sera aumentada,y no puedo refinanciar el hogar pat obtener un tipo de interns menor. El pago mensual esta o sera aumentada, y no puedo refinanciar el hogar pare obtener un prestamo de lass file. La hipoteca requiere un gran pago unico con fecha fja y espeolica. _Aumentos grandes an los gastos de vivienda(por ejemplo,seguros, impueslos,servicios publicos,etc.). tPara qua sigo pagando la hipoteca si debo mss de to que vale el hogar? 10. Si ha tenido una ejecuci6n hipotecaria: 6Est6 planeando un traslado fuem de Is Ciudad de San Bernardino? Sl No 65abia usted que hay aslstencia disponible pars ayudarte?(oustes de hipoteca,etc.) SI No siderarla de nuevo ser propietado de case? 51 No Did-as sus cironnstandas redentes, �prererirla ser dueilo de su case o haberla alquilado? Mquil ado _Set Dueho Favor de entregar esta encuesta a mss tardar el 30 de onero 2009 an Agencia de Desarollo Econ6mico,201 North E Street,Suite 301,San Bernardino,CA 92401 Puede dingir sus preguntas/comentarios sobre eats encuesta a:Lisa Comer at(909)8831044 o Icmnor @sbrda.org Appendix A: Summary of Public Outreach A-13 City of San Bernardino Analysis of Impediments to Fair Housing Choice Community Development Citizens Advisory Committee Meeting The City of San Bernardino provided a draft of the Al to its Community Development Citizens Advisory Committee Meeting for their review and solicited comments, questions and feedback from the Committee. Community Development Citizens Advisory Committee Meeting Date: March 25, 2010 Time: 6:00 PM Location: Economic Development Agency, 201 North E Street, EDA Board Room The meeting began with a presentation of the City of San Bernardino Five Year Consolidated Plan and Analysis of Impediments to Fair Housing Choice to the five Committee members in attendance. This was followed by a question and answer session between the Committee, City Staff and Veronica Tam and Associates. The following two comments were received: • Foreclosure on Section 8 property owners is becoming a problem. Committee member is aware of Section 8 Voucher recipients who are being evicted with little notice because the property owner is in foreclosure and has not alerted the Voucher recipient. • Would like to see a senior recreation and service center built in the City. There is no space for seniors to have activities and services and San - Bernardino is an aging community in need of senior services. Appendix A: Summary of Public Outreach A-14 Appendix B HMDA by Census Tract, 2003 and 2008 This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice Table D` 2003 by Census Tract I %M nonty Income Level 11 otal %A pprove d %Denied 0042.01 >80% Moderate 882 45.6% 24.0% 0042.02 >80% Low 711 45.0% 21.8% 0043.00 >80% Moderate 1,397 47.8% 20.0% 0044.01 50-80% Middle 697 50.2% 18.7% 0044.02 50-80% Moderate 1,082 49.0% 17.8% 0045.02 50-80% Middle 3,711 51.7% 15.4% 0045.03 20-50% Upper 644 60.7% 10.7% 0045.04 20-50% Upper 2,061 51.7% 12.7% 0046.01 50-80% Middle 1,652 48.4% 16.0% 0046.02 50-80% Middle 2,292 50.0% 17.4% 0047.00 >80% Moderate 643 46.5% 22.2% 0048.00 >80% Moderate 329 45.3% 26.4% 0050.00 >80% Moderate 274 47.5% 18.3% 0051.00 20-50% Middle 1,881 54.12% 13.0% 0052.00 50-80% Middle 983 50.0% 14.6% 0053.00 50-80% Moderate 1,125 50.8% 15.5% 0054.00 50-80% Moderate 880 47.6% 23.1% 0055.00 >80% Low 948 48.3% 19.2% 0056.00 >80% Low 841 48.9% 20.7% 0057.00 50-80% Moderate 167 40.1% 28.1% 0058.00 >80% Low 310 49.7% 22.9% 0059.00 >80% Low 62 45.2% 30.7% 0062.01 50-80% Middle 813 53.5% 16.9% 0062.02 50-80% Low 651 60.1% 15.7% 0063.01 50-80% Moderate 727 52.0% 17.3% 0064.01 >80% Low 100 45.0% 23.0% 0072.00 50-80% Moderate 1,051 48.5% 22.9% 0074.04 20-50% U er 1,093 54.6% 12.0% 0074.07 50-80% Low 395 49.1% 20.0% 0075.00 50-80% Uncl 5 60.0% 40.0% County Total 28,467 50.3% 17.3% Source:HMDA 2003. Appendix B: HMDA by Census Tract B-1 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table B-2: HMDA 2008 by Census Tract Census Tract nor ty Income Level Total %A roved %Denied 0042.01 >80% Moderate 331 29.6% 39.0% 0042.02 >80% Low 277 24.9% 47.7% 0043.00 >80% Moderate 398 34.4% 34.4% 0044.01 50-80% Moderate 194 34.5% 30.4% 0044.02 50-80% Moderate 304 37.5% 31.3% 0045.02 50-80% Middle 1,112 38.6% 26.8% 0045.03 20-50% Upper 251 39.4% 27.5% 0045.04 20-50% Upper 694 46.7% 25.4% 0046.01 50-80% Middle 451 34.8% 25.1% 0046.02 50-80% Middle 596 37.6% 30.7% 0047.00 >80% Moderate 228 29.4% 39.5% 0048.00 >80% Moderate 95 23.2% 43.2% 0050.00 >80% Moderate 114 35.1% 32.5% 0051.00 20-50% Middle 529 39.1% 28.5% 0052.00 50-80% Middle 253 34.4% 36.0% 0053.00 50-80% Moderate 351 35.0% 30.2% 0054.00 50-80% Moderate 263 28.1% 35.0% 0055.00 >80% Low 218 28.4% 40.4% 0056.00 >80% Low 241 30.7% 33.6% 0057.00 50-80% Moderate 50 34.0% 30.0% 0058.00 >80% Low 95 20.0% 46.3% 0059.00 >80% Low 17 11.8% 58.8% 0062.01 50-80% Middle 256 34.4% 30.1% 0062.02 50-80% Low 204 34.3% 27.0% 0063.01 50-80% Moderate 199 30.7% 30.2% 0064.01 >80% Low 59 33.9% 47.5% 0072.00 50-80% Moderate 276 36.6% 34.1% 0074.04 20-50% U r 258 36.4% 26.7% 0074.07 50_8 6/ Low 93 35.5% 39.8% County Total 8,407 35.5% 31.6% Source:HMDA 2008. Appendix B: HMDA by Census Tract B-2 Appendix C County HMDA Tables, 2003 and 2008 This page left intentionally blank. City of San Bernardino Analysis of Impediments to Fair Housing Choice .• 1 1• • • • • • - •. ' •• • • . 1 ' 1• 11 Total Approved Denied Withdrawn Loans Race/Ethnicity Closed Purchased Native American 378 0.4% 208 55.0% 66 17.5% 45 11.9% 59 15.6% Asian 6,469 6.8% 4,118 63.7% 717 11.1% 701 10.8% 933 14.4% Black 4,991 5.3% 2,973 59.6% 883 17.7% 559 11.2% 576 11.5% Hispanic 26,073 27.4% 16,008 61.4% 4,114 15.8% 2,612 10.0% 3,339 12.8% White 29,627 31.2% 19,345 65.3% 2,970 10.0% 2,650 8.9% 4,662 15.7% Joint 2,914 3.1% 1,880 64.5% 302 10.4% 331 11.4% 401 13.8% Other 1,770 1.9% 1,124 63.5% 235 13.3% 235 13.3% 176 1 9.9% Not Applicable 22,787 24.0% 7,863 34.5% 1,868 8.2% 1,941 8.5% 11,115 48.8% Total 95,009 100.0% 53,519 56.3% 11,155 1 11.7% 9,074 1 9.6% 1 21,261 1 22.4% Source:HMDA data,2003. Note:Applicants who fled joint applications can be of different racial backgrounds;however,HMDA data does not provide means of iden*ing the racial backgrounds of joint applications. Table C-2: Disposition of Conventional Home Purchase Loan Applications by Race of Applicant 11' Total Approved Denied Withdrawn or Loans Race/Ethnicity Closed Purchased # % # % I # % # % # % Not Applicable 6,318 21.6% 1,531 24.2% 676 10.7% 546 8.6% 3,565 56.4°� Joint Hispanic 615 2.1% 358 58.2% 110 17.9% 63 10.2% 84 13.7% and Non- Hispanic His anic 8,308 28.5% 3,954 47.6% 2,021 24.3% 1 1,186 14.3% 1,147 13.8% Non Hispanic Grou s Native American 60 0.2% 23 38.3% 18 30.0% 8 13.3% 11 18.3% Asian 3,087 10.6% 1,682 54.5% 445 14.4% 400 13.0% 560 18.1% Black 777 2.7% 351 45.2% 195 25.1% 117 15.1% 114 14.7% Pac.Island 155 0.5% 69 44.5% 50 32.3% 11 7.1% 25 16.1% White 9,229 31.6% 5,399 58.5% 1,407 15.2% 1,057 11.5% 1,366 14.8% 2ormore 10 <0.1% 6 60,0% 4 40.0% 0 0.0% 0 0.0% minorities Joint 274 0.9% 166 60.6% 33 12.0% 25 9.1% 50 18.2% Not A licable 361 1 1.2% 1 200 55.4% 1 63 1 17.5% 1 61 16.9% 1 37 1 10.2% Total 29,194 1 100.0% 113,739 47.1% 1 5,022 1 17.2% 1 3,474 11.9% 1 6,959 1 23.8% Source:HMDA data,2008. Note.Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identdying the racial backgrounds of joint applications. Appendix C: County HMDA Tables C-1 City of San Bernardino Analysis of Impediments to Fair Housing Choice Table C-3: Disposition of Conventional Home Purchase Loan Applications by Income of Applicant 11 Total Approved Denied Withdrawn or Loans Income Closed Purchased # % # % # % # % # % <50% 2,165 2.3% 1,105 51.0% 546 25.2% 253 11.7% 261 12.1% 50%to< 9,284 9.8% 5,358 57.7% 1,631 17.6% 891 9.6% 1,404 15.1% 80% 80%to< 10,470 11.0% 6,432 61.4% 1,616 15.4% 950 9.1% 1,472 14.1% 100% 100%to< 12,187 12.8% 7,752 63.6% 1,561 12.8% 1,173 9.6% 1,701 14.0% 120% >=120% 47,505 50.0% 30,980 65.2°k 5,297 11.2% 5,081 10.7% 6,147 12.9% Not 13,398 14.1% 1,892 14.1% 504 3.8% 726 5.4% 10,276 76.7% available Total 95,009 100.0% 53,519 56.3% 11,155 11.7% 9,074 9.6% 21,261 22.4% Source:HMDA data,2003. Note:Applicants who fled joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identiffing the racial back rounds of joint applications. Table p • of • •nal Home Purchase Loan Applications by • e of Applicant 10 Total Approved Denied Withdrawn or Loans Income I I I Closed Purchased # % # % # % # % # % <50% 940 3.2% 414 44.0% 293 31.2% 90 9.6% 143 15.2% 50%to< 3,570 12.3% 1,900 53.2% 669 18.7% 401 11.2% 600 16.8% 80% 80%to< 3,279 11.3% 1,709 52.1% 596 18.2% 385 11.7% 589 18.0% 100% 100%to< 3,332 11.4% 1,674 50.2% 596 17.9% 427 12.8% 635 19.1% 120% >=120% 14,881 51.1% 7927 53.3% 2,744 18.4% 1 2,016 13.5% 2,194 14.7% Not 3,132 10.8% 114 3.6% 101 3.2% 119 3.8% 2,798 89.3% available Total 29,134 100.0% 13,738 47.2% 4,999 17.2% 3,438 11.8% 6,959 1 23.9% Source:HMDA data,2008. Appendix C: County HMDA Tables C-2 City of San Bernardino Analysis of Impediments to Fair Housing Choice Versus San • • • op • Bernardino Race/Ethnicity %of Total %of Total Applicati ons Population Hispanic 28.5% 39.2% Not Applicable 21.6% Joint Hispanic and Non-Hispanic 2.1% Not Hispanic Populations Native American 0.2% 0.6% Asian 10.2% 4.6% Black 2.7% 8.8% Pacific Islander 0.5% 0.3% White 31.6% 44.0% Joint 0.96% Total 100.0% Notes:' indicates that there is no comparable Census category. The'%of Total Population'category will not total 100%because the Census and HMDA race categories are not identical. The Census includes an'Other and'Two or More Races'category. Sources. I. Bureau of the Census,2000 2. HMDA data,2008 Table C-6: Approval Rates of Conventional Home Purchase Loan Applications by Race • Income of •• 0 Applicant Income Asian Black I Hispan c White (AMI%) Total % Total % Total % Total % <50% 32 64.0% 51 46.8% 393 48.7% 448 55.9% 50%to<80% 168 57.1% 290 54.4% 2,444 57.7% 1,668 59.8% 80%to< 100% 278 61.9% 401 60.5% 2,722 61.1% 1,949 62.5% 100%to<120% 484 66.7% 486 60.3% 2,867 63.4% 2,418 65.5°h >=120% 3,056 65.8% 1,653 61.3% 6,984 64.3% 12,202 68.1% Not available 100 32.9% 92 49.7% 598 50.4% 660 50.7% Total 4,118 63.7% 2,973 59.6% 16,008 61.4% 19,345 65.3% Source:HMDA data,2003. Table Approval Rates of • •nal Home Purchase Loan Applications by • Income of ' •• 00 Applicant Income Asian Black I Hispanic I White (AMI%) Total % Total % Total % Total % <50% 25 39.1% 21 55.3% 150 41.7% 186 57.1 51. 50%to<80% 177 57.8% 39 45.3% 777 53.0% 689 65.7% 80%to<100% 169 58.9% 47 55.3% 712 54.3% 557 59.6% 100%to<120% 195 60.9% 53 52.5% 598 49.7% 573 59.4% >= 120% 1,095 58.7% 188 45.5% 1,695 49.3% 3,366 61.2% Not available 21 8.6% 3 5.6% 22 4.2% 28 6.1% Total 1,682 54.5°k 351 45.2% 3,954 47.6% 5,399 58.5% Source:HMDA data,2008. Appendix C: County HMDA Tables C-3 City of San Bernardino Analysis of Impediments to Fair Housing Choice Disposition of Conventional Home Improvement Loan Applications by Table Race • •Applicant 0 Total Approved Denied Withdrawn or Loans Race/Ethnicity Closed Purchased # I % # % # % # % # % Native 46 0.3% 21 45.7% 18 39.1% 7 15.2% 0 0.0% American Asian 318 2.2% 172 54.1% 108 34.0% 37 11.6% 1 0.3% Black 686- 4.6% 249 36.3% 332 48.4% 102 14.9% 3 0.4% Hispanic 2,540 17.2% 1,080 42.5% 1,121 44.1% 331 13.0% 8 0.3% White 3,588 24.3% 1,923 53.6% 1,216 33.9% 435 12.1% 14 0.4% Joint 419 3.4% 228 54.4% 139 33.2% 49 11.7% 3 0.7% Other 197 1.6% 67 34.0% 95 48.2% 35 17.8% 0 0.0°k Not Applicable 4,437 36.3°/. 1,803 40.6% 1,546 34.8% 892 20.1°k 196 4.4% Total 12,231 100.0% 5,543 45.3% 4,575 37.4% 1,888 15.4% 225 1.8% Source:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications, Table • Disposition of • •nal Home Improvement •. Applications by - • • •• 11: Total Approved Denied Withdrawn or Loans Race/Ethnicity Closed Purchased Not Applicable 2,065 25.7°h 707 34.2°k 776 37.6% 170 8.2% 412 20.0% Joint Hispanic 232 2.9% 83 35.8°� 105 45.3% 32 13.8% 12 5.2% and Non- His anic Hispanic 2,295 28.6% 710 30.9% 1,163 50.7% 287 12.5% 135 5.9% Not-Hispanic Groups Native 50 0.6% 7 14.0% 34 68.0% 4 8.0% 5 10.0% American Asian 277 3.5% 95 34.3% 121 43.7% 38 13.7% 23 8.3% Black 417 5.2% 104 24.9% 268 64.3% 38 9.1% 7 1.7% Pac Islander 55 0.7% 10 18.2% 37 67.3% 8 14.5% 0 0.0% White 2,491 31.0% 976 39.2% 980 39.3% 361 14.5% 174 7.0% 2 or More 11 0.1% 2 18.2% 6 54.5% 3 27.3% 0 0.0% Minority Joint 67 0.8°� 23 34.3°k 32 47.8% 9 13.4°k 3 4.5% Not A licable 67 0.8% 23 34.3% 23 34.3% 19 28.4% 1 2 3.0% Total 8,027 100.0% 2,740 34.1% 3,545 44.2% 969 12.10A 773 9.6% source:HMDA data,2008. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joins applications. Loan Type Total Approved Denied Withdrawn Loan Purchased I or Closed Appendix C: County HMDA Tables C-4 City of San Bernardino Analysis of Impediments to Fair Housing Choice M % % % % 2003 Conventional Home Purchase 95,009 56.3% 11.7% 9.6% 22.4% FHA Home Purchase 14,635 42.7% 6.2% 7.7% 43.5% 2008 Conventional Home Purchase 29,134 47.2°k 17.2% 11.8°k 23.9% FHA Home Purchase 18,119 47.3% 10.3% 8.9% 33.5% Source.HMDA data,2003 and 2008. Institutions Table C-1 1: Disposition of Conventional Home Mortgage Loan Applications by Lending 11 Total Approved Denied Withdrawn Lender or Closed # Market Share % M % M % Countrywide Home 35,582 8.9% 13,116 36.9% 943 2.7% 2,568 7.2% Loans Washington Mutual 23,123 5.8% 11,424 49.4% 2,980 12.9% 800 3.5% Bank,FA Wells Fargo Home 17,763 4.5% 15,208 85.6% 1,422 8.01% 446 2.5% Mort a e GMAC Mortgage 15,390 3.9% 7,342 47.7% 3,090 20.08% 3,156 20.5% Corporation Bank of America,N.A. 14,866 3.7% 9,393 63.2% 2,445 16.5% 873 5.9% AmeriquestMortgage 12,075 3.0% 1,465 12.1% 4,308 35.7% 6,302 52.2% Company Chase Manhattan 9,834 2.5% 5,035 51.2% 772 7.9% 481 4.9% Mortgage Corp First Franklin 8,393 2.1% 7,286 86.8% 926 11.0% 176 2.1% Financial Corp Citimort a e,Inc 8,049 2.0% 1920, 23.9% 208 2.6% 579 7.2% Wells Faro Funding 7,740 1.9% 134 1.7% 23 0.3% 3 <0.1% Total(Market share of 152,815 38.3% 72,323 47.3% 17,117 11.2% 15,384 10.1% Top Ten Lenders) Total All Lenders 398,885 100.0% 212,406 53.2% 55,987 14.0% 51,560 12.9% Entire Market) Source:HMDA data,2003. Note: Total Applications includes the following types of loans,which are not represented in the table nor in the other tables of HMDA data:purchased,preapproval denied, preapproval approved not accepted and missing/invalid data. Institutions Table C-12: Disposition of Conventional Home Mortgage Loan Applications by Lending 11 ' Total Applications Approved Denied Withdrawn Lender or Closed Market Share N % I 1 % I a7 I % Countrywide Home 15,264 13.1% 5,261 34.5% 2,555 16.7% 1 1,635 1 10.7% Loans Appendix C: County HMDA Tables C-5 City of San Bernardino Analysis of Impediments to Fair Housing Choice JPMorgan Chase Bank, 9,197 7.9% 1,668 18.1% 1,333 14.5% 235 1 2.6% N.A. Wells Faro Bank N.A. 7,093 6.1% 4,141 58.4% 1,670 23.5% 1,260 17.8% Bank of America,N.A. 6,624 5.7% 3,642 55.0% 1,927 29.1% 645 9.7% Citimort a e, Inc 5,459 4.7% 841 15.4% 496 9.1% 648 11.9% HFC Company LLC 4,922 4.2% 105 2.1% 4,237 86.1% 580 15% GMAC Mortgage LLC 4,548 3.9% 577 12.7% 986 21.7% 1,475 32.4% Wachovia Mortgage 2,918 2.5% 764 26.2% 1,005 34.4% 454 15.6% FSB Wells Fargo Funding, 2,147 1.8% 24 1.1% 15 0.7% 6 0.3% Inc Mountain West 2,136 1.8% 1,671 78.2% 201 9.4% 264 12.4% Financial, Inc Total(Market Share of 60,308 51.8% 18,694 31.0% 14,425 23.9% 7,202 11.9% Top Ten Lenders Total All Lenders 116,404 100.0% 46,739 40.2% 30,759 26.4% 14,525 12.5°h (Entire Market) Source:HMDA data,2008. Note: Total Applications includes the follovnng types of loans,which are not represented in the table nor in the other tables of HMDA data:purchased,preapproval denied,preapproval approved not accepted and missin finvalid data. Table C-13: Lender Ratings Lender Name Rating Rat in Institution Year Countrywide Home Loans Needs to Improve FDIC 1992 JPMor an Chase Bank,N.A. Outstanding OCC 2007 HFC Company LLC N/A N/A 2009 Bank of America,N.A. Outstanding OCC 2001 Citimort a e,Inc Outstanding OTS 2004 Wells Faro Bank,N.A. Outstanding OCC 1998 GMAC Mortgage LLC Outstanding FDIC 2005 Wachovia Mortgage FSB Outstanding OTS 2005 Mountain West Financial,Inc Satisfactory OCC 2008 Wells Far o Fundin ,Inc Outstanding OCC 2004 Source:FFIEC Interagenc CRA Rating Search,(hft llwww.ffiec. ovlcraratin sldefaulLas z,Accessed February 5,2009. Appendix C: County HMDA Tables C-6 City of San Bernardino Analysis of Impediments to Fair Housing Choice • • • - • • IN -.7m-!IFOIIA•101 1' Type of Loan Loans Percent of Loans Purchased' Purchased Asian Black Hispanic White Conventional 6,959 18.1% 14.7% 13.8% 14.8% Purchase Conventional 773 8.3% 1.7% 5.9% 7.0% Improvement Conventional 8,887 11.8% 7.5% 8.9% 10.0% Refinance FHA Purchase 4,373 26.6% 24.8% 29.9% 30.5% FHA 27 50.0% 16.7% 26.7% 18.6% Improvement FHA Refinance 545 4.7% 11.5% 12.8% 16.0% '=Percentages may not equal 100 percent since total loans purchased also includes other race categories not displayed in table. Source:Home Mortgage Disclosure Act HMDA Data,2008. Race/Ethnicit Total Approved Denied Withdrawn or Loans Closed Purchased y # % IF % # % # % # % Hispanic 51,612 20.6% 30,166 58.4 9,038 17.5 6,884 13.3 5,524 1 10.7 % % % °0 Not-Hispanic Grou s Native 986 0.4% 520 52.7 171 17.3 155 15.7 140 14.2 American % % % % Asian 10,660 4.2% 6,979 65.5 1,309 12.3 1,093 10.3 1,279 12.0 Black 10,821 4.3% 6,005 55.5 2,247 20.8 1,601 14.8 968 8.9% % % % White 85,684 34.1% 53,543 62.5 10,26 12.0 10,33 12.1 11,54 13.5 % 3 % 4 % 4 % Joint 8,314 3.3% 5,463 65.7 990 11.9 923 11.1 938 11.3 % % % % Other 8,186 3.3% 2,903 35.5 2,706 33.1 2,160 26.4 417 5.1% Not 74,768 29.8% 28,561 38.2 10,94 14.6 13,17 17.6 22,08 29.5 Applicable °h 0 °k 8 % 9 Total 251,03 100.0 134,14 53.4 37,66 15.0 36,32 14.5 42,89 17.1 1 % 0 % 4 % 8 % 9 % Souce:HMDA data,2003. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint applications Appendix C: County HMDA Tables C-7 i City of San Bernardino Analysis of Impediments to Fair Housing Choice Total Approved Denied withdrawn or Loans 7Non- Hispanic Closed Purchased 1 % k % N % N % C % 12,483 23.3°k 3,276 26.2°k 2,683 21.5% 1,456 11.7°h 5,068 40.6% Applicable 1,471 2.7% 511 34.7% 661 44.9% 199 13.5% 100 6.8% Hispanic 15,208 28.4% 5,285 34.8% 6,574 43.2% 2,002 13.2% 1,347 8.9% Not-Hispanic Groups Native 161 0.3% 54 33.5% 80 49.7% 22 13.7% 5 3.1% American Asian 2,244 4.2% 889 39.6% 695 31.0% 396 17.6% 264 11.8% Black 2,534 4.7% 663 26.2% 1,324 52.2% 358 14.1% 189 7.5% Pacific 273 0.5% 90 33.0% 115 42.1% 45 16.5% 23 8.4% Islander White 17,866 33.4% 7,781 43.6% 5,691 31.9% 2,600 14.6% 1,794 10.0% Joint 462 0.9% 185 40.0% 183 39.6% 63 13.6% 31 6.7% 2 or more 51 0.1% 4 7.8% 37 72.5% 9 17.6% 1 2.0% minority Not 744 1.4% 286 38.4% 257 34,5% 136 18.3% 65 8.7% Applicable Total I 53,497 100.0% 19,024 35.6% 18,300 34.2% 7,286 i 13.6% 8,887 1 16.6% Source:HMDA data,2008. Note:Applicants who filed joint applications can be of different racial backgrounds;however,HMDA data does not provide means of identifying the racial backgrounds of joint apoicatims. Appendix C: County HMDA Tables C-8