89-1930 WHITE - C�TV CLERK
PINK - FINANCE G I TY O SA I NT PA U L Council /�
CANARV - DEPARTMENT /%� 9
BLUE - MAVOR File NO• { _/•�� -
C'ounc esolution � ,
< ��
Presented By T
� y
�eferred To � � Committee: Date l�� ���/
Out of Committee By Date
WHEREAS, the Council of the Cit of Saint Paul has been requested by the
City's Planning and Economic Develop ent Department to approve documents entitled
Citywide Commercial Area Rehabilitat on Program Guidelines; and
WHEREAS, the HRA Board has appr ved the guidelines on September 27, 1989,
NOW, THEREFORE, BE IT RESOLVED, that the City Council of Saint Paul approves
the documents entitled Citywide Comm rcial Area Rehabilitation Program Guidelines.
COUNCIL MEMBERS Requested by Department of:
Yeas Nays
Dimond
r-�. In Favor
�g.. 7
xemnan �, _
Scheibel A gai n s t BY
Sonuen
---�'r5lsea>
nCC 2 ` '�8� Form Approved b City A�rney
Adopted by Council: Date Ul �
/
Certi f�e d P s•e Counci cr ry B Y
By, �
-- - ---- �` � 19 g App by Mayor for Sub i i to Council
Approve by iVlav r. �Date -"--�'=•4` ,
( _ � �� J-
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DEPARTMENT/OFFICE/COUNCIL DATE INITIATE
Planning & Economic Development GREEN SHE��'� No. �. �.'�^ � r
CONTACT PERSON S PHONE �N INIfiIAUDATE
O�'i CRAIf� O��Y�tY� �DEPARTMENT DIRECTOR , �CITY COUNCIL
Marshall Turner (228-3302) �'3�3 ���F �CITY ATTORNEY / �CITY CLERK
MUST BE ON COUNCII AOENDA BY(DATE) ROUTINQ �BUDGET DIRECTOR y t �FIN.6 MGT.SERVICES DIR.
�� �MAYOR(OR ASSISTANn �,� 0 De P•��tZ
TOTAL N OF SIGNATURE PAGES _ (CLIP ALL OCATIONS FOR SIGNATURE)
ACTION RE�UESTED:
Amend the guidelines of the a) existing N ighborhood Commercial Rehabilitation Loan Program
and b) approve the ordinance establishing the program and authorizing the HRA to act as
agent and administer the program, and c) a prove the guidelines for the Citywide Commercial
Area Rehabilitation Pro ram.
HECOMMENDATIONS:Approve(A)or Reject(R) COUNCIL C MMITTEElRESEARCH REPORT OPTIONAL
ANALY3T PHONE NO.
_PLANNIN�CAMMISSION _CIVIL SERVICE COMMISSION
_CIB COMMITTEE A HRA
A STAFF _ COMMENTS:
_DISTRICT COURT _
SUPPORTS WHICH COUNCIL OBJECTIVE?
Nei hborhood & Economic Develo men
INITIATINQ PROBLEM,ISSUE,OPPORTUNITY(Who,What,When,Where,Why):
It is becoming increasingly, difficult to finance projects on many of the older commercial
strips because of the existing $30,000 ma imum in City funds. The guidelines change
increases the maximum in City Funds to $1 0,000. The ordinance is required by the State
Legislation for 1) establishing the progr m and 2) authorizing HRA to act as agent. The
Citywide Rehabilitation Program (now CDBG is being established because CDBG-HUD requirements
are getting much more restrictive. The N n-CDBG program will allow the City to do Rehab
Loans on a Citywide basis.
AOVANTAGES IF APPROVED:
1) 27 CDBG Neighborhood Commercial Reh ilitation Loan Progra�will be able to provide
more complete financing for the more ostly Rehab projects.
2) 4' Non-CDBG Citywide Commercial Are Rehabilitation Program will be establishing and
implemented. The City will be able o do more Rehab Loans, including those that have
been determined to be ineligible und r CDBG requirements.
DISADVANTAGES IF APPROVED: ��
NONE �18'��Q
w✓
CtTY CLERK
DI3ADVANTAOES IF NOT APPROVED:
The City will not be able to provide Reh b Assistance to many potential projects. As the
HUD-CDBG eligibility requirements became more restrictive and as the actual method of
determining eligibility becomes increasi gly burdensome, fewer and fewer projects are
eligible for rehabilitation. Council Research Center,
Qcr Z s �9s9
TOTAL AMOUNT OF TRANSACTION s COST/REVENUE BUD(iETED(CIRCLE ONE) YES NO
FUNDING SOURCE ACTIVITY NUMBER
FINANGAL INFOFlMATION:(EXPWN)
�� � ' � Members: ����� �
Bili Wilson, chair
' CITY OF SAINT PAUL - Tom Dimond
' �;;,;;;'in ` � Kiki Sonnen .
OFFICE OF FIE CITY COIINCIL
' D e: November 22, 1 9
WILLIAM L. WILSON Comm ttee Report MARK VOERDING
COUnCilman Legislative Aide
To: Saint Paul City Council
From : Housing and Econo ic Development Committee .
Bill Wiison, Chair
l. Approval of Minutes
COMMITTEE RECOMMENDED APPROV L of the OCTOBER 25, 1989, minutes.
2. Appeal of David and Josephi Berg to a decision of the Heritage
Preservation Commission whic denied the issuance of a permit to
demolish the structure locat d at 270 West 7th Street
COMMITTEE RECOMMENDED A LAY ER TO DECEMBER 27.
3. Resolution authorizing PED finalize terms of Skyway Agreement with
the U.S. Postal Service to nstruction and operation of skyway bridge
connecting the Block L/Minn sota Telecenter complex and downtown
Post Office (C.F. 89-1914)
COMMITTEE RECOMMENDED APPRO L, WITH AMENDMENT.
4. Resolution approving Citiwi e Commercial Area Rehabilitation Program
Guidelines (C.F. 89-1930)
COMMITTEE RECOMMENDED APPRO AL, WITH AMENDMENT.
S. Resolution approving Neighb rhood Commercial Rehabilitation Loan Program
Guidelines for the HRA (C. . 89-1931)
COMMITTEE RECOMMENDED AYPRO AL, WITH AMENDMENT.
6. Ordinance establishing the eighborhood Commercial Rehabilitation Loan
Program and authorizing the HRA to act as agent and administer the
Program (C.F. 89-1940)
COMMITTEE RECOMMENDED APPRO AL, WITH AMENDMENT.
7. Resolution establishing the Downtown Development Study Commission
(C.F. 89-1997)
COMMITTEE RECOMMENDED A LAY VER TO DECEMBER 13.
CTTY HALL SEVENTH FLOOR SAINT PAUL, MINNESOTA 55102 612/298-4646
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CIT OF SAINT PAUL
INTERDEPAR MENTAL MEMORANDUM
T0: Councilmember William ilson
FROM: Warren Hanson�!1��`
DATE: December 4, 1989
RE: 4$ Citywide Commercial Area Rehabilitation Program
The following addresses the status timing and issues raised at the November
22, 1989 Housing and Economic Deve opment Committee meeting.
I. Status and Timing
Craig 0'Brien, of my s aff, spoke with Karen Swenson Tuesday,
November 29, 1989 rega ding the availability of the
above-referenced progr .
A. The first eading of the ordinance was October 26,
1989.
B. It was ref rred to the Housing and Economic
Developmen Committee meeting on November 22, 1989.
It was ori inally scheduled for the Committee on
November 8, 1989, the day after the election. It was
cancelled cause it was unlikely that a quorum would
be present.
At the Nove ber 22, 1989 meeting a number of issues
arose (see I below) and those issues must be
incorporate into the Ordinance and program documents
for your re iew before they can be sent to the City
Clerk for s heduling for three more readings (actually
the second, third and fourth (adoption) readings) .
C. Karen indic ted to Craig that the second, third and
fourth read ngs would take approximately one and a
half weeks. Karen suggested that the third reading be
the public earing so that any additional changes or
amendments an be incorporated into the Ordinance
and/or prog am documents for the fourth and final
reading at hich time the ordinance is adopted. This
should occu no later than December 31, 1989. •
D. After adopt'on, the Ordinance is sent to the Mayor for
his signatu e and publication.
. . o��-���
Councilmember William Wilson
December 4, 1989
Page Two
E. The Ordinan e goes into effect 30 days after
publication
F. Karen estim ted the program should be available
February 1, 1989.
II. Housing and Econo ic Development Committee Issues
Craig 0'Brien and Jim rt spoke on November 29, 1989 and it was
agreed that Jim would ' corporate the following into the
Ordinance:
A. Change "me ian" to "medium" .
B. Specify in the Ordinance that "Guidelines" are the
"program r gulations" .
C. Specify in the Ordinance that the "definition of small
or medium ized buildings shall be 200,000 square feet
or less or in the case of leased space the space must
be 50,000 quare feet or less with a minimum lease of
one year."
D. Craig will incorporate the word "Guidelines" into the
document c rrently entitled "Citywide Commercial Area
Rehabilita ion Program."
III. UDAG Funding
Marshall Turner of my taff, spoke with Tom Meyer, from
Accounting Division re arding the UDAG spending split. Tom
indicated that accordi g to the 1986 - 1987 Capital Allocation
Policy:
" B7: UDAG REINVESTMEN
As indicated by ity Council Resolution No. 279820 (dated
February 8, 1983 all Urban Development Action Grant (UDAG)
program income, hall be distributed as follows: Fifty
percent of the p ogram income from an individual UDAG shall
be set aside for eligible projects within the district(s) in
which the UDAG i located. The remaining fifty percent of
the program inco e shall be deposited in the citywide UDAG
Revolving Loan F nd to be used for economic development
purposes. UDAG rogram income is that percentage of any
. ,. � . � ��_ �9� �
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Councilmember William Wilson
December 4, 1989
Page Three
income earned by the city from the disposition of property
acquired with UD G money, the repayment of any loans made
with UDAG money, or any other revenues defined by the grant
agreement as pro ram income.
All UDAG program income is administered according to HUD
guidelines (Unif rm Administrative Requirements for Grants
and Aids to Stat and Local Governments) . In accordance
with these guide ines, proposals for re-use of program
income are revi wed by the HRA Board and administered by
HRA staff."
It is the Neighborhood Development Division's understanding that the UDAG
funds currently budgeted into the itywide Commercial Area Rehabilitation
Program have already been separate out by the Accounting Division and
therefore can be used Citywide.
WH:rb
Attachment
cc: Ken Johnson
Bill Belden
Karen Swenson
Jim Hart
Tom Meyer
Marshall Turner
Craig 0'Brien
Teresa Sterns
a:cowilson.rb
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CITY WIDE COMMERCIAL AREA EHABILITATION PROGRAM "GUIDELINES"
Sep ember, 1989
I. PURPOSE
The purpose of this program i to provide low interest, long-term loans
as an incentive to owners to pgrade the appearance, energy efficiency
and condition of individual c mmercial properties and the commercial
area as a whole. The program supports the broad goal of neighborhood
revitalization consistent wit relevant development plan objectives and
design guidelines resulting i the stabilization and expansion of the
City's tax base, retention an creation of jobs and leverage of private
sector investment whenever pos ible. The program will address code
deficencies, health and safety items and prevention and elimination of
slums and blight.
Rationale: Since 1978 the Cit 's existing Neighborhood Commercial
Rehabilitation Loan Program ha served only areas eligible under
Community Development Block Gr t eligibility criteria. The Citv Wide
Commercial Area Rehabilitation ro ram will not be funded with CDBG
dollars and therefore will be a le to serve areas previously deemed
ineligible under the Neighborho d Commercial Rehabilitation Program such
as Downtown, portions of White ear Avenue, South Snelling and Highland
Park.
� ,. . . , ��%�'�`/y�a
Findin�
(1) commercial buildings in t e City are physically deteriorating,
underused, economically inefficient, or functionally obsolete, and in need of
rehabilitation to meet applicable b 'lding codes;
(2) there is a need for a co rehensive program for the rehabilitation
of the buildings to prevent economic and physical blight and deterioration, to
increase the municipal tax base, an , if the City has adopted a comprehensive
plan, to assist in the implementatio of the comprehensive plan of the
municipality;
(3) some oomers of srnall and edium sized commercial buildings in the
City are unable to afford rehabilita ion loans on terms available in the
private mortgage market or to obtain rehabilitation loans on any terms because
the private mortgage market is sever y restricted; and
(4) the health, safety, and g neral welfare and the preservation of the
quality of life of the residents of he City are dependent upon the
preservation and rehabilitation of t e small and medium sized commercial
buildings.
II .� LOAN TERMS AND CONDITIONS
. �
, A. Loan Amount - Maximum av ilable from the Housing and Redevelopment
Authority (HRA) is $50,0 0 per business up to three (3) businesses
per building. The maxim amount of HRA funds therefore is
$150,000 per building.
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B. HR.A/Bank Participation - The HRA and the Bank will participate in
a loan on a matching ba is up to $300,000 ($150,000 - HRA;
$150,000 - bank) . Anyt ing in' excess of $300,000 must be financed
privately, either by th bank or the applicant.
Example:
l. If a buildi g has one (1) business or tenant in it, it
- [is eligib e for $100,000 in matching funds . ($SO,OQO
HRA; $50,00 bank) .
2. If a buildi has three (3) businesses or tenants, it
would be eli ible for $300,000 in matching funds
(150,000 HR.A $150,000 bank) .
• 3. If a buildin requires general improvements as
determined b the building owner covering� all tenants
such as roof ng, that amount would be subtracted and
remaining fu ds divided equally per tenant space.
C. Interest Rate
1. The HR.A shall charge 4� on its funds.
2 . Banks - Inter st rate charged by banks shall be no
. . � ' ' ' .
' more than 3$ oints over banks prime rate. � �
D. Term - The maximum term al owed sha11 be up to 20 years . The bank
shall make the initiai det rmination with HR.A approval for an�'
' �
appropriate term relating o the applicant' s ability to pay and
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the collateral securin the loan. Balloons shall be allowed. The
term of the HRA portio of the loan and the term of the Bank
portion of the loan sha 1 be equal. Neither the applicant nor the
Bank shall prepay only he Bank portion of the loan or only the
HR.A portion of the loan Loan payments will be applied equally to
the HRA and Bank portio s of the loan.
E. Collateral Required
1. The bank sha 1 have the initial responsibility of
determir.ing he applicant's credit risk, subject to
HRA approval
. 2. The bank sha 1 have the initial responsibility of
determining c llateral, subject to HR.A approval.
3. The HRA has t e right, at its option, to require
additional co lateral.
4. Collateral is required either in the form of a chattel
or real estat mortgage or personal guaranty to be
determined by he Bank subject to HRA approvai.
5 . In the event a loan is secured by a real estate
. � �
' ' mortgage on th property to be rehabilitated, no loan
� shall exceed 8 � of the estimated market value of the
property to be ehabilitated upon completion of the
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rehabilitat'on, less the principal balance of any
prior mortg ge existing on the property at the time
the loan is made.
6 . The bank sh 11 file for the HRA any liens required on
collateral.
III. Analysis/Process
- A committee comprised of H staff will pre-screen applicants to
determine if their request eets the program eligibility standards
and planning consideration tablished by HRA/District Plans.
- The Bank shall process the r quest in the same manner as any other
commercial improvement loan equest.
- The Bank shall then approve r reject the loan based on the credit
and collateral of applicant, provided that no application can be
rejected for any unlawful re son; subject to HRA approval.
- The bank shall then submit i s loan committee report to HR.A staff
for HRA review and approval.
� • '. .
- If the bank and the HRA, appr ve the loan, the HRA sha11 tender its
check for the HRA's portion o the loan at the time of the
' loan closing. •
. . � . � ���-�q�°
- The loan, note, and mortgag of the HRA may not be assigned, by the
bank or assumed by another ebtor without prior written consent of
HRA staff.
- If HR.A staff approves the ssignment, a 1 1/2� assumption fee on the
outstanding principal bala ce of the HRA portion will be charged.
- HR.A staff may modify the p cess, eligibility criteria, and program
requirements necessary to c mply witr various government agency
requirements and to effecti ely implement this and other programs .
- For each loan the Bank shal have the loan recipient execute two
promissory notes; one for t e bank and one for the HRA in an amount
equal to the respective loa amounts. The promissory notes shall,
along with other documents , state the interest rate and schedule for
payment.
�e Neighborhood Commercial Re abilitation Loan Program (CDBG
funded) must be used first if he loan is made in a CDBG eligible area.
' The City Wide Commercial Area ehabilitation Program funds may be used
in the event the Neighborhood mmercial Rehabilitation Loan Prograrn
. .� loan limitation is exceeded or 'f the applicant is ineligibie under the
. Neighborhood Commercial Rehab L an program.
Fees 1. Banks - can charge the r normal fees .
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2. The HRA will charge 1-1/2� loan origination fee on its
portion of the loan efore any disbursements .
3. The HRA will charge 1$ late fee per month on payments
over 30 days delinqu nt to be collected by the bank and
remitted to the HRA.
IV. ELIGIBILITY
A. The property must be loc ed in St. Paul.
1. The property must e commercially zoned, meaning the
property must have a business or industrial zoning.
Properties with re idential zoning are ineligible.
2. The building must e 200,000 square feet or less; or, in the
case of tenants or lessees the leased space must be 50,000
square feet or les with a minimwm lease of one year.
B. Applicants �
1. The applicant may b individual property or business owners,
partnerships, corpo ations , tenant operators or contract for
deed purchasers.
. . � ' ' ' .
' � 2. An applicant must h e the ability to repay the loan and be
an acceptable credi risk as determined by a bank and the
HRA.
_ �
. � . - � ����1 -/��3 d
3. An applicant's pr perty must conform to use under the City
Zoning Ordinance nd use must be permitted under an approved
District Plan if pplicable.
4. Upon completion o improvements, the applicant's property
must meet all app icable code, permit and license
requirements and ust have a current Certificate of
Occupancy upon co pletion.
5. Applicant must ma e adequate progress toward closing of loan
(as determined by taff) . Failure to do so can mean
eliminating this p oject as an eligible loan.
6. Tenants must obtai written permission from the building
owner for leasehol improvements.
C. The program is available on a per building basis with a maximum of
$150,000 of HRA funds pe building.
D. Eligible Improvements -
Almost all fixed improve ents including the repair and/or
decoration of wa11s, cei ings, floors , lighting, windows, doors,
� entrances, electrical, pl bing, mechanical, air-conditioning,
architectural change, ene gy improvements, handicapped
� . �
• • accessibility, code requi ements., etc. For example, eligible •
. improvements shall includ , but not be limited to the following:
1. Cleaning, painting an staining of exterior surfaces .
2 . Masonry repairs .
� � ' �- � ���i��
3. Repairing or repla ing or cornices, entrances, doors, windows,
decorative details and awnings.
4. Sign removal, repa ring or replacement.
S . Architectural desi n services for plans and specifications.
6. Parking lots, incl ding lighting, surfacing and landscaping.
7. Building identific ion.
8. Other items that ar viewed necessary to compliment exterior.
9. Building permits.
10. Energy audits. -
11. Demolition.
� 12. Expansion of a comm rcial structure will be allowed if it
meets all City requ rements such as zoning, parking, permit
and license require ents , etc.
13. Health and safety i ems as required by the City of St. Paul
building codes,
E. Ineligible Costs "
l. Refinancing existing debts
2. Non-fixed improvemen s
3. Working capital
4. Inventory
. � ' � .
� 5. Sweat Equity - payme t for the applicant's own labor and
performance for cons uction or improvements.
6. Residential uses
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IV. CONTRACTING AND CONSTRUCTION
A. Al1 applicants shall p ovide HR.A staff with information on the
"Loan Application Form' detailing applicant' s interest regarding
rehabilitation of buil ing, giving permission for code inspection
and any other requeste supplements necessary to achieve the City
approval for this proj ct.
B. Sworn Construction Sta ement with supporting bids from
subcontractors is to be submitted to the applicant, bank and the
HRA detailing the work o be performed, estimated cost, and any
other documentation nec ssary to achieve the HRA's approval for
this project.
C. It shall be the loan re ipients responsibility to comply with all
� City procedures and req 'rements such as securing per�►its,
providing acceptable sit plans, etc. �
B. Contractors and all Sub- ontractors providing work under this
program are to meet the icensing, insurance and bonding
requirements of the City. The contractor and/or sub-contractor
is to be knowledgeable o and/or responsible for quality and
workmanship, conducting p oper business practice, be financially
� capable and be an Equal 0 portunity Employer.
� E. The quality and progress f the work is to be monitored throughout
�
� � the term of the contract the loan recipient and general
. contractor.
F. Payment requests (either p rtiai or final) cannot be made to the
contractor until a written request for payment is made and the
loan recipient and the HRA have accepted the eligible improvements
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in writing. If the co tractor requests periodic draws on
completed work the dra shall be limited in amounts equal to the
value of materials furn'shed and/or services performed at the time
of request. Number of ayments are to be subject to a final 10�
holdback. The holdback may be used to correct unsatisfactory
work, or defray costs t obtain a replacement contractor and/or to
complete the project, e contractor is to furnish the necessary
� - lien waiver for all pa} ents.
G. Loan Disbursements - Pa ents to consultants and/or contractors
shall be made by the ba k but not before written a�proval from the
HRA is vrovided Loan isbursements will be limited to three (3)
in total; two (2) parti 1 payments, plus one (1) final payment
� � (minimum of 10� of tota loan) when all work is completed and
inspected.
H. Lien Waivers - The bank ill collect lien waivers and/or other
documentation as deemed ecessary by the bank.
I . All work must be inspect d by the City Building Department to
insure con£ormance with ode and must be verified for proper
completion by HR.A staff o insure compliance with specifications
prior to final payment. The final draw will not be released until
all permi�s taken out ha e been signed off by field inspectors .
�� � ' J. All eligible improvement work performed pursuant to a commercial �
rehabilitation loan must provide a 12 month warranty from the date
of accepted completion b the loan recipient and the HRA. This
warranty must cover the q ality of materials used and workmans�ip ,
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in performing the work T'his warranty is the responsibility of
the loan recipient.
K. All work must be perfo med under provisions of the City of Saint
Paul' s "Little Davis B con Act" and comply with Affirmative Action
and Human Rights requi ements, if applicable.
� A:COBCARP
, � � . •
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