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278319 WHITE - CITY CLERK ���; PINK - FINANCE �i CANARY - DEPARTMENT G I T Y O F S A I N T PA U L COUIICI BLUE - MAYOR � Fll@ N O. Cou cil 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 Department to approve a document entitled Neighborhood Commercial Rehabilitation Loan Program Guidelines for the City of Saint Paul ; and ��IHEREAS, this document revises and replaces a document adopted by the City Council on P1arch 25, 1981, also entitled Neighborhood Commercial Rehabilitation Loan Program Guidelines for the City of Saint Paul ; and 41HEREAS, 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 January 28, 1982. 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 . COUNCILMEN Yeas Nays Requestgd by Department of: +bnr � P NNING AND ECONOMIC DEVEL h1ENT Levine In Favor Maddox McMahon B � ���� _ Against y J s J. B llus, irector .a�+»�. FEB 2 3 19A� Form Approved by City At orn Adopted by Council: Date _ ♦ Certified a. ' y Counci ec ary BY B � Appro a bY ,na�o�: FEB 2 5 1981 A y Mayor b ssion to Council gy BY PUBL15i�ED N1aR S 19$2 . 2`78319 � • NEIGHBORHOOD COMMERCIAL REHABILITATION LOAIV PROGRAM GUIDELINES FOR THE CITY OF SAINT PAUL � January 28, 1982 I . ' PURPOSE: To provide low-interest, long-term loans as an incentive for tenants and owners to upgrade the appearance and energy efficiency of commercial properties and the commercial area as a whole. LI . LOAN TERMS AND CONDITIONS A. City/bank participation -- the City and a bank will participate in a loan on a matching basis. (In a $50,000 loan, the City's share 'and the bank's share each will be $25,000) . B. Maximum loan -- shall not exceed the lessor of the cost of rehabil- � itation or $50,000 for commercial use. Banks may increase their portion of loan over $25,000. C. Interest Rate 1. City's -- annual rate of 2�. 2. Bank's -- allowed to charge up to an annual rate of two percent above the prime rate of interest at ��he 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 REHA3ILITATION LOAN EXAMPLE 1 City $20,000 at 2% 2 Bank $20,000 at � 12% $40,000 at 7% ) 10 yrs = $464/month ) for 15 yrs = �359/month ) 20 yrs = $310/month EXHIBIT "A" - 2 - 1 ' The City takes a subordinate position and has a set 2% interest rate 2 The lending institution is allowed to charge up to 2% 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 applicant's credit risk. 2. The bank shall have senior lien on any collateral requir�ed. 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 charged on the City's portion . of the loan. This amount must be paid at loan closing. I . Failure to abide by City procedures, laws, and approved plans can result in calling of loan at City's request. . � 7 � � f � � � - 3 - IIIL ELIGIBILITY CRITERIA A. Areas 1. The following Saint Paul neighborbood commercial strips and areas meet the Department of Housing and Urban Development 's Community Development 81ock Grant Funds (HUD-CDBG) Year IV � eligibility standards for commercial rehabilitation services : a. East Seventh 421 1535 � b. Arcade Street 661 1200 c. Payne Avenue 495 1200 d. Rice Street 481 167� � 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 ~ �?1 205 k. South Robert Street 429 478 1 . South Wabasha Street 215 485 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 - 4. An applicant's property must conform to use under th� City's Zoning Ordinance and use must be permitted under an approved . District plan if applicable. 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 elimin�ating 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 is 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 eligib]e expenditures under this loan : a. A11 work must be on front and sides of commercial building facing public streets . b. Cleaning, painting and staining of exterior surfaces. . c. P�asonry repairs. d. Repairing or replacing of cornices, entrances, doors, windows, decorative details and awnings. � - - .� �' � � 1 � - 5 - . 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 . Oti�er items that are viewed necessary to compliment exterior. . j . Building permits. k. Energy audits. 1 . Roofing (eligible if applicant has previously had a comm- ercial ' rehabilitation loan, does not extend past total max- , imum 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 improvements among his work. In addition to the eligible expend- . itures listed previously unde.r the exterior commercial improvement loan, the following additional expenditures are eligible: a. Almost all fixed improvements including the repair and/or decoration of walls, ceilings, floors, lighting, windows, doors, entrances , electrical , plumbing, mechanical , air- conditioning, architectural change, energy improvements, etc. - 6 - b. Professional fees -- commercial rehabilitation loan monies may be used for the purpose of paying reasonable engineering, architectural and other related service fees necessary to plan, estimate costs, etc. 3. Commercial Rehabilitation/Small Business Administration "502" and "503" Loans Any of the above three listed loans may be used as the local development company's injection in a Small Business Adminis�tration � "502" and "503" loan. This will leverage other private and public funds and allow greater project flexibility. Under this combined - loan, commercial rehabilitation money is totally released before the SBA money is released, 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 applicant '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. � � � � �7 �� � � - � - � 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. IV. CONTRACTING AND CONSTRUCTION A. All a pplicants 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/ar sub-contractor is to be knowledgeable of and/or responsible for quality and workmanship, conducting proper business practice, be financially ca.pable, and demonstrate that they are an Equal Opportunity Employer. Contractors and all sub-contractqrs must comply with all regulations as stated under the Federal Davis-Bacon Act. � � - . � r � � -� � .� _ a _ - �. � . 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. Payment 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 acc�pted the eligible improvements in writing. If the contractor requests periodic draws on completed work 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. Al1 work is to be covered by the normal required permits and approvals of affected agencies. G. All work must be inspected by the City�6ui�ld;ng Department 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 �2 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. 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(") O 3 � = c'� 3 • o m . z z ' -1 v z � o n � c-� m n -� C �- � ►-r Gi � N � � � c� O �D D z I tn Z N � J � � � n n � � � Z � � � � � � C Q n � � Q H� � Z n 0 � �+ �� c rn � r � � OM O1: 12/19:75 Rev. : 9/8/7b . Rev. : 5/7/$��(7t��a7 EXPLANATION OF t1DMTNISTRATISIE QRDERS, Rev. : 4/30/ RESOLUTIONS AND aRDINA�vCES �� /�'t'd- /�C � � �jo�-:�-3 . � Date: February 3, 1982 � • To: MAYOR GEORGE LATIM R � FROM: MARSHALL TURNER - BUSINESS REVITALIZATION DIVI.SION �fe(. ��50� RE: REVISIONS TO COMMERCIAL REHABILITATION LQAN pROGRAM �������D . FE6 � - 19�z ACTION REQUESTED: �AYORS OFF�CE Signature on Council Resoluti.on and submittaT for appraval . PIJRPOSE AND RATIONALE FOR THIS ACTION: ' Staff believes given the existing and future budget for this program, , that these changes will continue to provi�de the City w.ith an effective commercial rehabilitation tool . These changes w�ll optimize the number , � of Commercial Rehabilitation Loans for commercial stri.ps, aTong with � maximizing its ' neigh6orhood comnercial revi,talizati.on efforts on the ., � _ City's older commercial strips. n �� � � t� � . �, , �'� � .� �,� s� . � ,`"'�, ' � , _ � FINANCIAL IMPACT: ,�� � �`'-� Approximately $10,000.Q0 to City from 12% Ori�ination-Service Fee. ' � � ATTACFIIKENTS: Council Resolution Revi sed Corr�nerci al Rehab Gui del i nes � Comparative Text Showing Changes xF��. ....��: CI'�.'Y �F �AINT' �AUI�� � . ��_^s . ���::�u o�,�CE o� Tg�. �Y� Co��iL 2'�8319 , �� �: ��,� �,� . , �� g� r�n��y���a�a»�� �'_� � . �i �*�.;�,n, ;, =' 0 a t e : February 19, 1982 �.� ',� . �, '�: CO � � o�1� E F? � �' 4 ��' TO : Suin� Paut City Cour�cEi _ _ �- � �R 0 �+1 � G o m r�i t�e� O�l FINAIVCE, maNac�rr � PERSO�rrrEL � � _ . . � _ . George b4cMahon , chairman, mokes the fotlowinq � reporY on� C.F. �11' �-� Ordinance ��) [� Resolufian . . � Othar . Tt�'LE : �. . At its meetiflg of February 18, 1982, the Finance Cammittee recomunended appraval • of the following: _ _..�_�,....^ _— ___ . -- —-- �V � 1. Ordinance ameriding Ordinance No. 11490 pertaining to severance pay.� (12702-GNi) 2. Resolution approving issuance of approximately $510,000 in revenue Bonds b}T the Port Authority to finance construction of production facilities by Century Circuits F� Electronics, Inc. (127.10-GM) 3. Resolution amending 1980 Gapital Improvement Budget to provide funding for _ Town Sauare Streets Project. (12687-GNn � � 4. Resolution revising Commerical Rehabilitation Ldan Program. (12711-GP4)� - 5. Resolution approving Memorandwn of Agreement amending the 1981 Maintenance� . Labor Agreement between the City and the Electricians Local 110. . (12680-G�� � 6. Resolution establishing titles and class specifications for Operations - � Assistant-To�n Square Park and .Program �Planner-Town Sauare Park. (12708-(1�1) . . - 7. Resolution establishing title and class specification for title of Marine . - _ Ma�mnal Keeper-Trainer. (12709-(��) 8. Resolution establishing title and class specificatzon for Development Fir_ance Specialist III and abolishing title and class specification for Development . Finance Specialist and substituting in lieu thereof new title and class specification for Development Finance Specialist IV. (12707-C�4) GITY H�1LL SEVE�iTH FLOOR SAI�I"I' P�1UL, tiilr�iESUTA S5IO2 .:-?,:� ,;,�,