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Affordable Housing DRAFT Chapter

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Recommendation/Idea
Overall, I believe this is a great initiative to support. My question is are there stakeholders that can advocate for the abandon row houses throughout Baltimore City being used for affordable housing? If not why? This project would benefit from having a stakeholder who would be able to fund row home affordable housing.
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smart proposal
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Question
Define "exclusionary zoning." Is this a reference to "upzoning" to allow single family housing to be converted to multi-family use as a matter of right? If so, how is this policy consistent with the goals of retaining legacy residents and encouraging home ownership set out in other parts of the plan? There are strong links between upzoning and gentrification, but few if any links to creating affordable housing. Additionally, state law would protect historically white neighborhoods such as Roland Park and Homeland from upzoning, while making historically Black neighborhoods such as Gwynn Falls and Harlem Park vulnerable to out-of-town speculators and absentee landlords. Finally, the ability of Black families to accumulate generational wealth would be greatly diminished--an inequitable irony, given the goal of creating equitable development as outlined in the chapter on Equitable Development.
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Comment
Federal funds come with complex compliance requirements (Davis Bacon Wage, Section 3 Local Hiring, Federal Procurement Rules, rigorous annual affordability compliance monitoring) that can be burdensome for smaller projects that are not otherwise subject to them. This issue could be avoided by funding small projects with non-federal sources and targeting HOME funds to projects with other federal funds and large enough awards to defray these costs.
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Recommendation/Idea
Do we want to be using affordable housing to increase property taxes? Or do we want to create a predictable PILOT system to incentivize the development of more affordable housing and help stretch the AHTF and other sources further? I would argue that a goal of property tax generation undermines the primary policy goal to provide quality affordable housing and should be eliminated.
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Comment
It might be useful to distinguish between voucher units (where renters are truly only paying 30% of their income) and LIHTC units without vouchers (where the rent is 30% of the income for the targeted AMI, but could serve someone with a lower income). Even affordable housing can result in income-burdened renters until very low income renters also benefit from a voucher.
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Recommendation/Idea
Find ways to offset the increase of property taxes to historic/legacy homeowners when development begins.
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Recommendation/Idea
Not just immigrant house sharing, also immigrant access to the full infrastructure of grants, loans, permits, and support to build, maintain, and own their own housing.
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Comment
"Create affordable housing communities," sounds good for those that already live there and want to buy more family homes in the community.
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Comment
Attach tax breaks to the property, not the person.
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Question
Who? The person renovating the property or just adjacent properties to make the renovation look better at sale?
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Recommendation/Idea
Provide webinars and training, etc. on topics such as transfer of deeds and titles, estate planning, and finance training for current residents to prevent displacement, specially of legacy homeowners.
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Recommendation/Idea
Develop a city-backed lending authority to offer lower interest rates for affordable housing and homeownership (like they do in Montgomery County).
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Question
Are land trust models that don't allow for equity the best benefit for first-generation homeowners?
0 replies
Recommendation/Idea
Evaluate success of existing tax credits in increasing owner occupancy.
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Question
Depending on demographics in parts of the City SRO's can be very effective. The cost of existing, is rising faster than most peoples income can manage for housing. Are SRO's of course more accommodating than prior ones, a possibilty?
0 replies
Create mixed income developments so as not to isolate affordable homes from amenities that market rate homes enjoy. Create affordable home projects that have quality of life in mind including ample trees and green spaces as well as pedestrian access to transit and civic and commercial needs. Create communities that will be supportive of families.
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Recommendation/Idea
Consider implementing a land-value tax to replace the property tax to incentivize improvement and development.
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Recommendation/Idea
Emphasize design! Imagine co-op spaces. Way more common spaces for multiunit housing. Activate spaces for positive activities.
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Recommendation/Idea
Create an opportunity for the middle class workforce. Affordability in both, ownership and rentals, to help retain our legacy families.
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Comment
What is affordable? Accessibility is what the focus should be. Affordability is a desensitized term that does not spread the wealth.
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Recommendation/Idea
Eliminate parking minimums citywide to make it cheaper to build housing.
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Recommendation/Idea
Legalize point access block/single staircase apartment buildings like in NYC, Seattle, Europe, and Asia.
0 replies
Recommendation/Idea
Continue to support resident rights in all low-income public housing, and also privately owned communities. Avoid gentrification of existing families already dwelling in these low-income communities at any cost.
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Recommendation/Idea
Massively upzone, allow tons of housing, especially in high-resource areas. With the new IZ requirements, could build a ton of affordable housing.
0 replies