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280910 WHITE - CITV CLERK ��V��� PINK - FINANCE G I TY O F SA I NT PA U L Council CANARV - DEPARTMENT BLUE - MAYOR File NO. City Atttty/JTH , , , Council Resolution Presented By Referred To Committee: Date Out of Committee By Date WHEREAS , the Council of the City of Saint Paul has been requested by the City' s Planning and Economic Development Depart- ment to approve a document entitled Neighborhood Commercial Rehabilitation Loan Program Guidelines for the City of Saint Paul ; and WHEREAS, this document revises and replaces a document adopted by the City Council on February 23 , 1982 , Council File No. 278319 , also entitled Neighborhood Commercial Rehabilitation Loan Program Guidelines for the City of Saint Paul ; and WHEREAS, the Housing and Redevelopment Authority (HRA) has been designated by the Council of the City of Saint Paul as the Agency to coordinate the granting of the aforesaid loans for commercial rehabilitation; and WHEREAS, the HRA Board has approved the action on August 30, 1983 . NOW, THEREFORE, BE IT RESOLVED, that the City Council of Saint Paul approves the document entitled Neighborhood Commercial Rehabilitation Loan Program Guidelines for the City of Saint Paul . Approved : Approved : Director, Finance & Management Services Bu get ir c or COUNCILMEN Requeste rtment of: Yeas Fletcher Nays �� ceu� In Favor Masanz Nicosfa Scheibel A gai n s t BY Tedeaco Wilson Adopted by Council: Date SEP 2 2 1983 Form ove y City At rne Certified Y• -se y o ,e r BY ^ � By � t�pproved vor: Oat `-�` ` '�R3 Approved or for Submission to ncil gy By PUBLISHED OCT 11983 REVISED Z�9i0 � . . NEIGHBORHOOD COMMERCIRL REHABILITATION LOAN PROGRAM GUIDELINES FOR THE CITY OF SAINT PAUL I . PURPOSE: To provide low-interest, long-term loans as an incer�tive for tenants and owners to upgrade the appearance and energy efficiency of commercial properties and the commercial area as a whole. II . � LOAN TERMS AND CONDITIONS A. City/bank participation -- the City and a bank will participate in a loan on a matching basis. (In a $60,000 loan, the City's share and the bank's share each will be $30,000) . B. Maximum loan--shall not exceed the less�r of the cost of rehabilitation or $60,000 for commercial use. Banks may increase their portion of Yoan over $3 0,000. � C. Interest Rate 1 . City's -- annual rate of 2q. 2. Banks -- allowed to charge up to an annual rate of three percent above prime rate of interest at the time of closing. 3. Effective Annual Interest Rate -- shall be approximately one-half of customary rates offered for direct loans from private financial institutions. (See example below. ) 4. Floating interest is allowed on bank portion of loan. COMMERCIAL REHABILITATION LOAN EXAMPLE 1 City $20,000 at 2q . 2 Ba nk $20,000 at 12� $40,000 at 7% ) 10 yrs = $464/month ) for 15 yrs = $359/month ) 20 yes = $310/month EXHIBIT "A" - 2 - �so9io i ♦ . 1 The City takes a subordinate position and has a set 2% interest rate 2 The lending institution is allowed to charge up to 3� above the existing prime interest rate. D. Term -- the. term allowed shall be up to 25 years. The bank shall make the determination for an appropriate terms relating to the applicant's ability to pay. E. Collateral Required 1 . The bank shall have the sole responsibility of determining the appl icant's credit risk. � 2. The bank shall have senior lien on any collateral required. 3. The City will have identical collateral , but subordinated to bank. � 4. Bank will file for the City any liens required on collateral . � F. Loan Disbursements -- payments to consultants and/or contractors shall � be made by the bank but not before written approval from the City is provided. Loan disbursements will be limited to three (3) in total ; two (2) partial payments, plus one (1 ) final payment (minimum of 10% of total loan) when all work is completed and inspected . G. Lien Waivers -- the bank will collect lien waivers and/or other doc- umentation as deemed necessary by the bank. H. An Origination/Service Fee of 12% will be c harged on the City's portion of the loan. This amount must be paid at loan closing. Additional fees for City services may be charged if warranted . I . Failure to abide by City procedures, laws, and approved plans can result in calling of loan at City's request. � ' r. .. ,�Sa9�a . . . . � - 3 - III . ELIGIBILITY CRITERIA A. Areas _ 1 . The following Saint Paul neighborhood commercial strips meet the Department of Housing and Urban Development's Community Development ' Block Grant Funds (HUD-CDBG) eligibility standards for commercial rehabilitation services: a. East Seventh 421 1535 b. Arcade Street 661 1200 c. Payne Avenue 495 1200 d . Rice Street 481 . 1675 • e. University Avenue 145 3415 , f. Snelling Avenue 140 761 g. Selby Avenue 239 1820 h. West Seventh Street 174 1305 i . South Smith Avenue 577 878 j . Concord Street 11 205 k. South Robert Street 429 478 1 . South Wabasha Street 215 485 m. Como Avenue 1565 2500 n. Dale Street 313 1651 o. White Bear Avenue 728 1447 2. Other commercial areas meeting the Department of Housing and Urban Development's Community Development Block Grant Funds (HUD-CDBG) eligibility standards for commercial rehabilitation services. . Y.`' `�. . . . � z�9�o � - 4 - B. Applicants 1 . An applicant's commercial structure must be located in one of the areas previously defined. 2. The applicant may be: individual owners, partnerships, corporations, tenant operators or contract for deed purchasers. 3. An applicant must have the ability to repay the loan and be an acceptable credit risk as determined by a bank. 4. An applicant's property must conform to use under the City's Zoning Ordinance and use must be permitted under an approved District Plan ' if appl icabl e. • 5. Upon completion of improvements , the applicant 's property must comply with all applicable code, permit and license requirements � and must have a current Certificate of Occupancy. � 6. Applicant must make adequate progress toward closing of loan (as determined by staff) . Failure to do so can mean eliminating this project as an eligible loan. C. Improvements 1. Exterior Commercial Improvement Loan Under this type of loan an applicant may improve the exterior appearance of the building and property and will not be required to . do any interior improvements if applicant provides a valid Certificate of Occupancy. Staff approval of exterior design and all improvements is necessary. (Where applicable, the project must be in compliance with its respective area 's City approved design guidelines). The following are eligible expenditures under this loan: . z o q�o � - 5 - a. All work must be on front and sides of commercial building facing publ ic streets. , � b. Cleaning, painting and staining of exterior surfaces. c. Masonry repairs. � d. Repairing or replacing of cornices, entrances, doors, windows , decorative details and awnings. e. Sign removal , repairing or replacement. f. Architectural design services for plans and specifications. g. Parking lots, including lighting, surfacing and landscaping. h. Building identification. • � i . Other items that are viewed necessary to compliment exterior. , j . Building permits. k. Energy audits. 1 . Roofing (eligible if applicant has previously had a commercial rehabilitation loan, does not extend past total maximum loan amount, and provides valid Certificate of Occupancy) . � 2. Exterior-Interior Commercial Improvement Loan Upon upgrading the exterior appearance and the correction of all health and safety code deficiencies (as recorded by the City Building Department) an applicant may include other fixed interior im provements among his work. In addition to t he eligible expend- itures listed previously under the exterior commercial improvement loan, the following additional expenditures are eligible: ' �� , . . �So9�o � - 6 - a. Almost all fixed improvements including the repair and/or decoration of walls, ceilings, floors, lighting, windows, doors, entrances, electrical , plumbing, mechanical , air- canditioning, architectural change, energy improvements, etc. b. Expansion of a commercial structure will be allowed if: (1 ) Exterior improvements and health and safety code def- iciencies will be corrected as part of the loan. (2) The expansion or addition will not detract from the appearance of either existing structure or the surrounding ' area. • (3) That it meets all zoning, parking, permit, license requirements, etc. � c. Professional fees -- commercial rehabilitation loan monies � may be used for the purpose of paying reasonable ehgineering, architectural and other related service fees necessary to plan, estimate costs, etc . 3 . Commercial Rehabilitation/Small Business Administration "502" and "503" Loans/HUD 108 Loans The Commercial Rehabilitation Loan may be used as the local develop- ment company's injection in a Small Business "502" and "503" Loan . or in combination with a HUD-108 Loan. This will leverage other private and public funds and allow greater project flexibility. Under this com bined loan, commercial reha bilitation money is totally released before the SBA money is released. � � ti �.:'. � � �- 7 - .Z804/D � 0. Ineligible Costs a. Refinancing existing debts _ � b. Non-fixed improvements c. Working capital � d. Inventory e. Sweat Equity -- payment for the applicant's own labor and performance for construction or improvements. E. Improvements Completed Prior to Loan Closing Such improvements are not eligible unless the a pplicant's structure requires immediate attention (hazardous code deficiencies, etc. ) , � and the following steps are undertaken: , a. Applicant must fill out Commercial Rehabilitation Loan Application with the City. � b. Applicant must submit a written request to the City describing the need. c. Applicant must submit a written permission from both the City and a bank. d. Work is performed under provisions of the Federal Davis-Bacon Act. e. If the above conditions have been met, the applicant may proceed using his own funds or interim financing from a bank. However, this is done at the applicant 's and/or bank's own risk until the total scope of work has been approved by staff and the loan has been closed. � ..ti'. i_:,. . . ' . � 8 � ���/D IV. CONTRACTING AND CONSTRUCTION A. All applicants shall provide the City with information on the "Loan Application Form" detailing applicants interest regarding rehabilitation of building, giving permission for code inspection and any other requested supplements necessary to achieve the City approval for this subject. 6. A document (Scope of Work) is to be submitted to the bank and the City detailing the work to be performed , estimated cost, and any other doc- umentation necessary to achieve the City's approval for this project. C. Contractors and all Sub-contractors providing work under this program are to be licensed and must meet the insurance and bonding requirements . of the City. The contractor and/or sub-contractor is to be knowledgeable of and/or responsible for quality and workmanship, conducting proper business practice, be financially capable, and demonstrate that they are an Equal Opportunity Employer. Contractors and all Sub-contractors must comply with all regulations as stated under the Federal Davis- Bacon Act. D. The quality and progress of the work is to be monitored throughout the term of the contract by the loan recipient and general contractor. E. Payments requests (either partial or final ) cannot be made to the con- tractor until a written request for payment is made and the loan recipient and the City have accepted the eligible improveme�ts in writing. If the contractor requests periodic draws on completed work �% � ' - -� 9 - �809/0 the draws shall be limited in amounts equal to the value of materials furnished and/or services performed at the time of request. Number� of payments will be limited to three (3) including final payment. All payments are to be subject to a final 10% holdback. The holdback may ' be used to correct unsatisfactory work, or defray costs to obtain a replacement contractor and/or to complete the project. The contractor is to furnish the necessary lien waiver for all payments. F. All work is to be covered by the normal required permits and approvals of affected agencies. G. All work must be inspected by the City Building Depar.tment to insure • conformance with code and must be verified for proper completion by , City staff to insure compliance with specifications prior to final payment. The final inspection cannot be scheduled until all permits taken out have been signed off by field inspectors. H. All eligible improvement work performed pursuant to a commercial rehabilitation loan must provide a 12 month warranty from the date of accepted completion by the loan recipient and the City. This warranty must cover the quality of materials used and workmanship in performing the work. This warranty is the responsibility of the loan recipient. I . Work must be performed under provisions of the Federal Davis-Bacon Act. It shall be the applicant 's responsibility to contractually bind the contractors, sub-contractors and lower tier contractors to pay on site laborers not less than the Minimum Wage for Federally Assisted Rehab- ilitation by including the U. S. Department of Labor's Wage Gecision in the contract. � ►� c� � • c . � � m z c� oo � � r -v sy �. --i -o -i - o -zv � oc n o -o n � -v z v � ce -a -v O y� w iv � �--� o c� c+ 3 v'�f c� rD Q+ � z o r � • • • � --Fl O � CL LL F-i J. 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J� .J � �• � � � � N {A Q � � � �7.. � O 'S �G il< C . � � �G � -+• ¢i ...�• -+• iL !/� Gl � � 0+ C � tG -' fD t-F . y . �"� .'� c m . n 0 3 3 ►-a 2 C,7 "�'7 C� R7 , • • O Z . " Z � -I m c� v v � --� � sv -,� � z z z � v ominoo �. r� o 0 0 o a c�+ a �. `* � fl.� ro � c� � c� � m 'S � N ---� "T �. � � S � ►-y G Q+ �+ c+ �D c+ (� G� � N Oi O� Z ►--� f� � (D N c't 7' LL �--� C � 7 � � Cn e-F fD G1!/1 �• fD � N �C cG ta �--� � rn �+ o �r � r� m n o c+-.'C ti' 'S n - Gi N N N Z Z fp �' O tn < � � N O �IL f7 � �•N 'S • 'S -S -h LL � O c+ � N fD lD [D (") r— � �-r � � v�i � ru o 0 0 °z Oi � �" "S f� N 'S � � � N � -+. (p A+ c't O f� "fi 3 3 � --1 O c+ C) O � O O fD N lD � � c-�- 3 O N N � � a. II. a. C� J. N O� -�• N y Q. n d Ll. n. 0. r�-� � � � N � c+ O • W C t+ C .�. • C Z � r � O � c+ Q �-. 1 E O �--+ fD C7 p �• A+ fL � t+ c+ � O i-+ fD � c+ O � �"'' f� () (D � tn �'�' J. J O Sv C) S '� �� � N C -h � n O a O � -�. � O Ct � -+ < � Q J• � (n Q ('t J J. Q . � 3 �. Z 'T N �l C"F N GI � �. �� �. (D fD C'I (p O � c+ d iL tt � �' !D —' � � e'F N �-rro � aa � � � o+ � —� rp o (D C �' O �' �h y . , � � (n fD t-h . N � . Y r:.. ' NUUSINIi AND REDEVELONMENY AU7NOf�ITY UF THE CiTY UF SAINT �'AUL, P�I1NN��E"SU�fH � . . . 8a9f � � � ,� . tiEPORT TO THE COMMISSIONERS DATE August 24, 1983 HEGARDING REVISIONS TO THE NEIGHBORHOOD .�OMMERCIAL REHABILITATION LOAN PROGRAM � Staff is requesting an authorization to amend the document passed by the Board on January 28, 1982, called "Neighborhood Commercial Rehabilitation Loan Program Guidelines for the City of Saint Paul ". The major changes are: 1 . Increasing the maximum City amount to $30,000.00 from $25,000.00. 2. Eligible areas have been expanded �o correspond to the City's HUD el igi ble census tracts so that �he� ;e�?'::�rci il P.ehab Program may be more � fully used in conjunction with the "�!ci�l�borhood Partnership Program. 3. Eligible expenses have been amended to include expansion of a structure. 4. .The City may charge addit�ional fees if warranted by the performance of special services for the applicant. Staff believes , given the existing future budget for this program, that these changes will continue to provide the City with an effective commercial revitalization tool . These changes will optimize the number of Commercial Rehabilitation Loans for commercial strips, along with maximizing its' neighborhood commercial revitalization • efforts on the City's older commercial strips. Staff recommends approval of the attached revised guidelines. Alan Emory - Deputy Director - Craig 0'Brien - Project Manager ' �� � ' � � � � zSa 9io � RESOLUTION N0. . ; RESOLUTION RECOMMENDING AMENDMENT OF THE '. . NEIGHSORNOOD COh4l�1ERCIAL R�HABILITATION LOAN PROGRAM GUIDELINES FOR THE CI-TY OF . SAINT PAUL RESOLVED by the Board of Commissioners of the Housing and . Redevelopment Authority of the City of Saint Paul , Minnesota that the proposed revisions to the Neighborhood Commercial Rehabilitation Loan Program Guidelines for the City of Saint Paul " suggested by the Business Revitalization Division, Department of Planning and Economic Development are hereby favor�bly recommended to the City Council for adoption. � . . , , i , � . � , , � �a � zeo � . -�"_--�� "�--- � � q'r�9 � s— sn 6Err�l w�E � K CAETn �E �� '�. . �� . � 0.EVELMi1 N 'U�'O NE.� � �Il Q-E�INO �^ . � _ � �+' y vc � � H. PfiIOH �yE, n ' . � 1,` � > � � D � - 90 FwFMEW NE FAliVEIV � � � . � � � � � � � �a � � � � � sr�EUe+c ra sB.�K3 nE. i,�► � � � � � �� a � � � � � � � �� 5<. V� � sn �.� �. � ,� � '^ � � � a�'��a s '" � � � � r RQ �,, � � � � � � so. � " t-� t.acwGrow .vE w�£ �-ae+ � � � � . " � � �'.� � T � � = � � M y A � �N � T 4,' ~ � Y � � _ y� � � /� a .. -, __ , _ ,._ _�._ ___. 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'��.':•:..�',' � � N • r;�:•.;•:::��:i` . � ' � • ' p �;':':;;::,'�':�•;�.'a,�:t�<""` � �c ��HAT • • N ::'%•':;•`::'• . '► ER a Q . • :2•.:�•::���•`•'�::::••.•�•:'.!� • 1..... ' '2�':���r:�::�.�'`�� ' • .......................................................... ■.. .....■■...■..•....iliiica�:?�1�i:�.........'.'•"": • . ' , 1H9IN71 7W . � � � _0- , Rucinecs Reyitalization DEPARTt�1ENT " ' � '� � � �4';09/0 y��a �'Rri an �_CONT�ICT (Annex) 7494 X 283 PHONE ���� �� 9-7-83 OATE (Routing and Explanation Sheet) Assign Nur�er for Routing Or�r (Clip All Locations for Mayoral Signature): � Department Di rector City Attorney ge nt/Mayor - _ Finance and Managemen ces Dire � � City Clerk �s�� � � �c83 tor =:,. t , Y `�`�+.... What Will be Achieved by Taking Action on the Attached Materials? (Purpose/Rationale): A revision of the Comnercial Rehab Guidelines: The major changes ar�: 1. Increasing maximum City amount to $30,000 from $25,000 . 2. Eligible areas have been expanded I 3. Expansion eligible 4. City may charge for special services � Staff believes these changes will increase the number of Corrmercial Rehab Loans and maximize the City's Neighborhood Commercial Revitalization effort. Financial , Budgetary and Personnel Impacts Anticipated: None Funding Source and Fund Activity Number Charged or Credited: None Attachments (LTSt and Nu�er all Attachments� : 1. Council Resolution 2. Revised Commercial Rehab Guidelines 3. Comparative Text Showing Changes 4. HRA Board Report and Resolution UEPARTMENT REVIEW CITY ATTORNEY REVIEW x_ Yes No Council Resolution Required? Resolution Required? Yes No Yes X No Insurance Required? Insurance Sufficient? Yes No Yes �_ No Insurance Attached? Revision of October, 1982 (See Reverse Side for Instructions)