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SR-300-002-01 (76) CITY OF SANTA MONICA FY 2001-02 Proposed One-Year Action Plan Submitted to the u.S. Department of Housing and Urban Development HUMAN SERVICES DIVISION Community and Cultural Services Department HOUSINC AND REDEVELOPMENT DIVISION Resource Management Department 1685 Main Street. Room 212. Santa Monica. California 90401 Telephone (310) 458-8701 FAX (310) 458-3380 TOO (310) 458-8696 Website: www.human-services.santa-monica.org May 2001 e..- J TABLE OF CONTENTS PAGE INTRODUUION HOUSING AND COMMUNITY DEVELOPMENT RESOURCES 1 AUIVITIES TO BE UNDERTAKEN AND RELATIONSHIP TO FIVE-YEAR PRIORITIES 6 LISTING OF PROPOSED PROJEUS 7 GEOGRAPHIC DISTRIBUTION 20 LEAD-BASED PAl NT HAZARD REDUUION 20 ANTI-POVERTY STRATEGY 21 INSTITUTIONAL STRUCTURE AND INTERGOVERNMENTAL COOPERATION 22 MONITORING 22 HOMELESSNESS 23 ECONOMIC DEVELOPMENT. 23 OBSTACLES TO MEETING UNDERSERVED NEEDS. . . . . . . . . . 23 AFFORDABLE HOUSI NG 24 REMOVAL OF BARRIERS TO AFFORDABLE HOUSING 24 PUBLIC HOUSING RESIDENT INITIATIVES 24 CDBG AND HOME SPECIFIC REQUIREMENTS. . . . . 25 City of Santa Monica FY 2001-02 Action Plan Introduction The Action Plan delineates the City's uses of Fiscal Year (FY) 2001-02 Community Development Block Grant (CDBG) and HOME Investment Partnership Act (HOME) funds. The Action Plan describes the following: Resources available for program implementation; Activities to be undertaken during FY 2001-02 and relationship to five-year priorities; Geographic distribution; Lead-based paint hazard reduction; Anti-poverty strategy; Institutional structure and intergovernmental cooperation; Monitoring; Homelessness; Economic development; Obstacles to meeting underserved needs; Affordable Housing; Removal of barriers to affordable housing; Public housing resident initiatives; and CDBG and HOME specific requirements. Housing and Community Development Resources Santa Monica has access to a variety of federal, state, and local resources to achieve its housing and community development priorities. Specific funding resources will be utilized based on the opportunities and constraints of each particular project or program. Table 1 identifies the potential sources of funding available to carry out housing and community development activities in Santa Monica. The City currently receives entitlement grants from the U.S. Department of Housing and Urban Development (HUD) through HOME Investment Partnership Act (HOME), Community Development Block Grant (CDBG) programs, and administers a variety of HUD-assisted programs including Section 8 Vouchers, Family Unification, Family Self-Sufficiency, and Shelter Plus Care programs. In addition, the City provides funding to housing and community development activities through its own local resources. Table 2 identifies the CDBG and HOME funds available to Santa Monica for FY 2001-02. City of Santa Monica Action Plan for FY 2001-02 PaQ8 1 The City will continue to support a wide range of housing and community development activities in FY 2001-02. To the extent possible, the City will seek to leverage funding from other public and private entities to strengthen programs and activities established in the Five-Year Strategic Plan and this Action Plan. Local funding sources, including redevelopment set-aside, TORCA, Inclusionary Housing, and General Fund, will be used as the local match for the City's HOME programs. Table 1 Public and Private Resources Available for Housing and Community Development Activities Name 1 a. Federal Santa Monica currently receives approximately $1 ,595,844 in CDBG funds annually HOME Flexible grant program awarded to the City on a formula basis for housing activities. Santa Monica currently receives approximately $821,000 in HOME funds annually 1 b. Federal Programs - Competitive Section 8 Rental assistance payments to owners of private Rental Assistance market rate units on behalf of very low income Program tenants. Section 202 Grants to non-profit developers of supportive housing for the elderly. Section 811 Grants to non-profit developers of supportive housing for persons with disabilities, including group homes, independent living facilities and intermediate care facilities. Most mortgage financing plans provide only permanent financing. When rehabilitation is involved, a lender typically requires the improvements to be finished before a long-term mortgage is made. This program provides a single long-term, low interest loan at fixed rate to finance both the acquisition and rehabilitation of the property. Grants to improve quality of existing shelters, increase number of shelters for the homeless. Grants are awarded to local nonprofits through the State. Section 203(k) Emergency Shelter Grants (ESG) fN Eligible Activities . Acquisition . Rehabilitation . Home Buyer Assistance . Economic Development . Homeless Assistance . Public Services . Acquisition . Rehabilitation . Home Buyer Assistance . Rental Assistance . Rental Assistance . Acquisition . Rehabilitation . New Construction . Acquisition . Rehabilitation . New Construction . Rental Assistance . Land Acquisition . Rehabilitation . Relocation of Unit to Another Site Refinance Existing Indebtedness . Homeless Shelters (Acquisition, Rehabilitation, New Construction, Conversion) . Support Services City of Santa Monica Action Plan for FY 2001-02 Page 2 Table 1 Public and Private Resources Available for Housing and Community Development Activities Program Name Description Eligible Activities Shelter Plus Care Program Grants for rental assistance that are offered with . Rental Assistance support services to homeless with disabilities. . Homeless Assistance Rental assistance can be: . Support Services Section 8 Moderate Rehabilitation (SRO) - project based rental assistance administered by the local PHA with state or local government application. Sponsor-Based Rental Assistance - provides assistance through an applicant to a private non- profit sponsor who wins or leases dwelling units in which participating residents reside. Tenant-Based Rental Assistance (TBRA) - grants for rental assistance. Project-Based Rental Assistance - grants to provide rental assistance through contracts between grant recipients and owners of buildings. Mortgage Credit Certificate Income tax credits available to first-time . Home Buyer Assistance Program home buyers for the purchase of new or existing single-family housing. Local agencies (County) make certificates available. '. Section 108 Loan Provides loan guarantee to CDBG entitlement . Acquisition jurisdictions for pursuing large capital improvement . Rehabilitation or other projects. The jurisdictions must pledge it . Home Buyer Assistance to future CDBG allocations for repayment of the . Economic Development loan. Maximum loan amount can be up to five . Homeless Assistance times the entitlement jurisdiction's most recent . Public Services approved annual allocation. Maximum loan term is 20 years. Supportive Housing Grants for development of supportive housing and . Transitional Housing Program (SHP) support services to assist homeless persons in the . Permanent Housing for transition from homelessness. Disabled I Supportive Housing Support Services Safe Havens 2. State Programs -~ ~------ Proposition 1 A includes provisions to establish a Downpayment Assistance Downpayment Assistance Program and a Rent Rental Assistance Assistance Program using school fees collected from affordable housing projects. Potential buyers or tenants of affordable housing projects are eligible to receive downpayment assistance or rent subsidies from the State at amounts equivalent to the school fees paid by the affordable housing - developer for that project in question. - Emergency Shelter Grants awarded to non-profit organizations for . Support Services Program shelter support services. ....~ Table 1 Public and Private Resources Available for Housing and Community Development Activities pra:gram Name B'.-;I(:!'N :3. local Programs TORCA Loan Sanla MOl1ic;J inc OITm Activities >II' CCw-'~5lnJc1 ion F1E:11f1bilitation 01 Cod e ViolClliam;, ImrrO'vernBnts, Genera I Acquisition Beha till itatioFl New Constructron j:k'll:;liDillt<lt!on .. · 110;,"'!(]J}iritEd~on $4~ lend<m; 10 Ir'!,$Urer~i, a Assi:stal1'Ce Page 4 City of Santa Monica Action Plan for FY 2001-02 Table 1 Public and Private Resources Available for Housing and Community Development Activities Program Name Description Eligible Activities Savings Association Pooling process to fund loans for affordable . New Construction of single Mortgage Company Inc. ownership and rental housing projects. Non-profit family and multiple family (SAM CO) and for profit developers contact member rentals, cooperatives, self institutions. help housing, homeless shelters, and group homes for the disabled. California Community Non-profit mortgage banking consortium designed . New Construction Reinvestment Corporation to provide long term debt financing for affordable . Rehabilitation (CCRC) multifamily rental housing. Non-profit and for profit . Acquisition developers contact member banks. Federal Home Loan Bank Direct Subsidies to non-profit and for-profit . New Construction Affordable Housing developers and public agencies for affordable low Program (AHP) income ownership and rental projects. Freddie Mac Home Works - Provides 1 sI and ~ mortgages that . Home Buyer Assistance include rehabilitation loan. City provides gap combined with . financing for rehabilitation component. Households Rehabilitation earning up to 80% MFI qualify. Lease Purchase Program The City could participate in a Joint Powers . Home Buyer Assistance Authority that issues tax-exempt bonds. Bonds enable City to purchase homes for households earning up to 140% MFI. JPA pays 3% down and closing costs. Lease purchasers make monthly payments equivalent to mortgage payments with the option to buy after three years. Table 2 COSG and HOME Funds Available For FY 2001-02 Funding Sources Amount CDBG FY 2001-02 Allocation $1,585,000 CDBG Reallocated Funds $10,844 CDSG Projected Program Income $2,024,377 HOME FY 2001-02 Allocation $821,000 HOME Projected Program Income $844,070 Total $5,285,291 City of Santa Monica Action Plan for FY 2001-02 Page 5 Activities to be Undertaken and Relationship to Five-Year Priorities The CDBG- and HOME-funded activities to be undertaken in FY 2001-02 are identified in the Listing of Proposed Projects on the following pages. The listing describes the amount of funding to be allocated to each proposed activity, the funding sources, the level of accomplishments to be achieved, and the geographic location targeted for assistance. Funds will target assistance primarily to extremely low and low income persons Citywide and within the Pico Neighborhood. Table 3 below provides a summary of the proposed activities and their relationship to the programs and priorities established in the Five-Year Housing and Community Development Strategy. Table 3 FY 2001-02 Proposed Proiects ConsolJdale.d PI.lf1 :200t:H:J1 Pt' 2004-1J5 f-"Y :2001-02 Name Affordable Tenant.Ba.sed Rem,al l"}3SLstance lA Se,clion S C(tr1lflCfll8S Beo;ide:ntia.1 MOC!lflca.l iDI'1~-, Resid8f!,1i,H Plll)liC 2,81vice SerVIN.! Sef\n:,:e;BS SGmClshel Renovation Cur b, CHis ,v\ /;.IJ,Il. l"(+d'B'stmm B:lttc!I1s '.....I~h Di sal) iI itl es Avenue Park and Park F,E.lCllltIBt> ,CDBG Admi l1iS!ffJtl(}n ;~c!,vlll"s HC)ME -'.f ~, rfJ! CHDO Operating Expenses Priority 1A Multi-Family Housing Production B = Community Development Block Grant (CDBG) M = HOME FY 2001 ,.02 Action Plan 5'YBar 1,Yclar BlM s 7 wnilr, a ~1928.096 41 M $1.3'-!7,7BB $153,OB2 B SSDO,OOD 30 persc:mo; with B di sa IJ(Ii,tles B B $'7~t360 13 $400..000 $100.000 r'Jot ~A $82,1 00 N01 Not Applicable Not Applicable M $32,100 City of Santa Monica Action Plan for FY 2001 ~02 Page 6 - c: CI) E c. o Ci) > CI) o c: c: as as -ea: ::l1:s 05.! O)~ c: .- .- '0 en en ::::s c: o 0 J:o .... 00 -D.. iio E 1:: as Co CI) o en ::l (I) II) u '- ;:, o U) 0) .5 'C c: ;:, u. en - CJ CI) .e- D.. 1:s CI) en o c. o .. D.. - o 0) c: .. en :::i (I) - c: .....11) II) E E-,= 1-(1) ..... .- ~Q. o E 00 >< ~ E~ lU c: ~o 0:; ::)~ :I: 0 .....c: ~.S! .- - '-Co .S! '':: o:li: .....11) .!!o ::........ 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Eev c'5~~g~ o E B g'c l5 S (5 (ij g.:i(! : ~ ~ :B ii GJQ;::J.cnJU')cuU') >- > 0'"_ 'E :J.c :J 1h{J ~.5~.,g ~~ ~ ~ Qj Qj m 1U o 0 1:: C '" 0 Ci5 il 0.. E o o Sa> cs:::. "'- (/)0) _c 0:';::; C ~ o a> ~g- 0'0 Q.C ... m 8g> ~2 :2i.1! E.~ EE 0'0 Om o.!; 0; a> g g ",S U; .!!! E 'jjj l:l ~ :amen g>s ~ ~~L1J ...--~ 8.50 O~I o 0 Z Z ('- (/) o <C o ~ ~ ~ I Qj ::; g '3: I :ll a> 0 ;; == 0- 0- Qi Qi I I 'E QJ a> '0 ~ :s: Gi ~ ~ "c ~ ~ g ~ ...J 0 -E CD ~ .?:- "Q.. C ~ 'g .Q :0 .0 a; :2> ::> 0 ill (/) .3 Geographic Distribution Based on 1990 Census data, three census tracts (7018.01, 7018.02 and 7019.00) had significant concentrations of minority population. These census tracts encompass the area commonly known as the Pico Neighborhood. An ethnic concentration is defined as any census tract with 30% or more non-White residents. In tracts 7018.01 and 7018.02, "minorities" were in fact the majority, with over 50% of the tract population comprised of non-White persons. According to the 1990 Census, over 51% of the population in census tracts 7018.01,7018.02 and 7019.00 have incomes at or below 80% of Median Family Income (MFI) for the Los Angeles-Long Beach Metropolitan Statistical Area. These tracts are considered areas of low and moderate income concentration. A number of the projects proposed for FY 2001-02 benefit low and moderate income persons and are located in the Pico Neighborhood, an area of minority concentration. For specific project descriptions, refer to the Listing of Proposed Projects. Lead-Based Paint Hazard Reduction An estimated 17,500 housing units occupied by low and moderate income households in Santa Monica may contain lead-based paint. To reduce lead-based paint hazards, the City takes the following actions: Monitor the lead-poisoning data maintained by the Los Angeles County Department of Health Services. Revise rehabilitation guidelines to incorporate lead-based paint hazard reduction procedures including raising the per-unit subsidy limits for projects which include abatement. Develop and distribute lead-based paint reduction and abatement information to all landlords, managers, tenants, or owner-occupants of rehabilitation properties, as well as to community groups. Work cooperatively with its nonprofit housing providers and community health organizations to provide educational material and identify potential sources of lead- poisoning in City-assisted affordable housing projects. Address lead-based paint hazards in Section 8 assisted units with children six years and under by providing grants to property owners for lead-based paint hazard reduction and/or abatement. Address blight in individual buildings by eliminating specific conditions that present health and safety hazards to the public. Since FY 1997-98 as part of the Low Income Residential Repair Program, the City has conducted educational seminars for property owners on lead-based paint hazards and has provided lead- based paint testing and remediation to existing single- and multi-family units, targeting low and moderate income households. This program will continue through FY 2001-2002. City of Santa Monica Action Plan for FY 2001-02 Page 20 Anti-Poverty Strategy On a macro scale, California attempts to fight poverty with the CalWORKS program, which is designed to move welfare recipients from dependency to self sufficiency through employment, and to divert potential recipients from dependency. CalWORKS provides monthly financial assistance, and usually food stamps to families with children. Parents receiving CalWORKS assistance are required to work or participate in job-related training or education. Job-related education and training are provided through the county, private industry and educational institutions. The City will continue to implement the anti-poverty strategy outlined in the Five-Year Consolidated Plan. This includes continued prioritization of housing and homeless programs identified in the Consolidated Plan per HUD requirements as well as other programs that address the following: Pre-vocational and job readiness skills training including assessment and assistance with applications, resumes, job-seeking skills, and work performance standards; Job development and placement for temporary and permanent employment opportunities with businesses, industry and government; Apprenticeships and training linkages with skills centers and other vocational resources; Educational enrichment and parent supports to increase literacy rates and school achievement, increase parent involvement, and lower the school drop-out rate; Youth skill-building and development to design innovative and creative alternatives to criminal involvement, youth violence, isolation, and loss of opportunities for growth; Legal services to include brief service and full representation in landlord/tenant matters, public benefits assistance, immigration, discrimination, consumer affairs, and other critical legal aid; Domestic violence intervention and prevention that offers counsel and advice, immediate assistance in obtaining restraining, stay-away and other protective orders, and critical support services to victims of domestic violence; Independent living skills and assistance, and peer counseling to ensure full self- sufficiency and independence among elderly and disabled individuals; Child care subsidies and assistance to working parents; and Free health care and supportive service assistance to extremely low, very low, and low- income Santa Monica residents including vital assistance to those with HIV/AIDS. City of Santa Monica Action Plan for FY 2001-02 Page 21 Institutional Structure and Intergovernmental Cooperation Public agencies, for-profit and non-profit organizations all playa part in the provision of affordable housing and community services. Social service delivery and housing production and rehabilitation in Santa Monica by non-profit agencies are coordinated through the City's Community Development Grants Program. The City Council reviews proposed projects and programs and funds those which meet the City's goals. City staff monitor programs through regular written reports and site visits. In addition, there is the Westside Shelter and Hunger Coalition (WSHC) with representatives from agencies involved with emergency shelter, affordable housing, and supportive services in Santa Monica and the west side of Los Angeles, WSHC meets regularly to coordinate efforts, including lobbying the county, state and federal government. The City also participates in the Job Developer Network to promote job creation targeting low-income youth and adults. The City supports a number of commissions represented by interested citizens to monitor the needs of specific groups and advise the City Council on the best way to address these needs. They are the Housing Commission, Social Services Commission, Planning Commission, Recreation and Parks Commission, Commission on Older Americans, and Commission on the Status of Women. The City Council also appoints citizen task forces to address special issues, such as homeless, child care, and disability issues. The City works closely with a network of other private and public entities. These include key public and quasi-public agencies, coalitions and groups, including the Federal Emergency Management Agency, Los Angeles County Department of Health, Los Angeles County Department of Mental Health, Los Angeles County Department of Social Services, Los Angeles County Housing Authority, Office of Alcohol and Substance Abuse, Emergency Food and Shelter Program (local Board), Los Angeles Homeless Service Authority, Santa Monica-Malibu Unified School District, State Department of Housing and Community Development, and State Employment Development Department. The City also works closely with over 35 local non-profit organizations to ensure the adequate provision of housing and community services in Santa Monica. Monitoring The City currently uses various administrative mechanisms to track and monitor progress of HUD funded projects and activities that are under its control and jurisdiction. The goal is to ensure that Consolidated Plan-related programs and activities are carried out in a timely manner in accordance with federal regulations and other statutory or regulatory requirements. The primary monitoring goals of the City are to provide technical assistance, identify deficiencies and promote corrections in order to improve, reinforce, or augment the Consolidated Plan performance. To ensure the accomplishments ofthe goals and objectives, the City is involved with administration and coordination of City-funded programs and related activities. An interdepartmental CDBG team, which consists of Project Managers and relevant City staff, meet quarterly to monitor the progress of CDBG-funded projects. City staff in a number of departments and divisions including the City of Santa Monica Action Plan for FY 2001-02 Page 22 Housing and Redevelopment Division, the Human Services Division, the Engineering Division, and other key offices are available to provide technical assistance as needed to subrecipients. All Requests for Proposal (RFPs) and contracts are reviewed carefully to ensure compliance with HUD and local requirements for program delivery, financial management, procurement, personnel matters, and other such requirements. Subrecipient contracts require verification of eligibility and substantiation of all pertinent information and activities and include language requiring periodic and annual monitoring of activities of financial and programmatic compliance. Homelessness The Action Plan seeks to partially support a comprehensive continuum of care for homeless services through federal assistance for an emergency homeless shelter. Federal funding will be supplemented by other funds to ensure the delivery of a well-coordinated system of care as specified in the Five-year Strategic Plan. This includes support for: 1) outreach, intake and assessment, 2) emergency shelter, 3) transitional housing, 4) permanent and supportive housing, and 5) case management and supportive services including employment. Economic Development The City has sought to create jobs through the establishment of development agreements executed prior to major commercial developments that give local preference for hiring Santa Monica residents. The City actively participates in the Santa Monica Job Developer Network and has recently established a working group consisting of representatives from the Chamber of Commerce, Santa Monica-Malibu Unified School District, Santa Monica College and staff from the City's Economic Development and Human Services Divisions. These organizations, along with six other City-supported employment programs, work toward developing policies and programs that promote job placement and job creation targeting low-income youth and adults. Obstacles to Meeting Underserved Needs Federal, state and county funding cutbacks, including changes to the welfare system, have impacted the ability to address the social service and housing needs in Santa Monica. The City will continue to assess the impact of welfare reform and any resulting increased demand for affordable housing, employment, childcare and other supportive services. The City continues to work in collaboration with surrounding jurisdiction nonprofit organizations, and other community groups to coordinate and monitor the delivery of social services. This entails working with groups including, but not limited to, the Westside Shelter and Hunger Coalition, the Youth Service Network, the Childcare Task Force, the Domestic Violence Network, and others to identify and meet critical gaps in services. Fund leveraging, resource development and coordination of services are critical activities that will be undertaken to address significant budgetary and programmatic constraints. City of Santa Monica Action Plan for FY 2001-02 Page 23 Affordable Housing The City continues to fund Community Corporation of Santa Monica (CCSM) to maintain the existing 730 affordable housing units. In addition, CCSM and the City work in partnership to develop new affordable housing units in Santa Monica. The City administers five affordable housing trust funds plus an earthquake repair loan program, implements an Inclusionary Housing and Rent Control Ordinance, and administers a Section 8 housing assistance program to preserve affordable housing opportunities throughout the City. Removal of Barriers to Affordable Housing The City continues to monitor, analyze and address market conditions and governmental factors that may act as barriers to affordable housing. Market factors that tend to restrict affordable housing production are: high land costs, high construction costs and inadequate financing. The City has little influence on land costs or construction costs. The City does, however, have an active program in place to make below market financing available for affordable housing projects. Governmental restrictions can also constrain the production and preservation of affordable housing. The City continues to monitor, analyze and address, as necessary, governmental regulations, land use controls and residential development standards which affect the production and preservation of affordable housing. The City has recently adopted an update to the Housing Element of the General Plan which incorporates a variety of programs to facilitate the production of affordable and market rate housing. The City is in the process of preparing an additional update to address the expanded planning period. Public Housing Resident Initiatives The Los Angeles County Housing Authority (LACHA) owns and operates two public housing projects in Santa Monica. These projects were built by Los Angeles County prior to the City establishing its own Housing Authority. The City of Santa Monica does not administer any public housing. The LACHA has resident managers at these projects and has in place a modernization program to improve the living environment of each project. The LACHA encourages participation of residents in the operation, management and modernization of the projects owned and operated by LACHA. City of Santa Monica Action Plan for FY 2001-02 Page 24 Program-Specific Requirements CDBG Program The Listing of Proposed Projects describes the activities with respect to all COBG funds expected to be available during FY 2001-02. In addition to the City's FY 2001-02 grant amount of $1,585,000, the City has $10,844 in reallocated funds and $2,024,377 in program income. The City does not have any surplus urban renewal settlements, grant funds returned to the line of credit, or income from float-funded activities coming as revenues to COBG funds during the one year action plan. In addition, there are no "urgent need" activities, as defined by HUO, requested in COBG funds for FY 2001-02. HOME Program The Listing of Proposed Projects describes the activities with respect to all HOME funds expected to be available during FY 2001-02. In addition to the City's FY 2001-02 grant amount of $821 ,000, the City has $844,070 in program income. Pursuant to the Consolidated Plan requirements, the following sets forth Santa Monica's specific regulations for HOME funded activities. Resale Provisions The City does not use HOME funds for homeownerhsip programs, and therefore resale provisions do not apply. The City uses local funding sources (TORCA, Inclusionary Housing Trust Fund) for ownership programs, and has adopted resale provisions under these programs. Tenant-Based Rental Assistance For the first time the City will use HOME funds ($153,082) for Tenant-Based Rental Assistance (TBRA) payments targeted to very low income, homeless and disabled persons who are participating in the Shelter Plus Care Program, administered by the Santa Monica Housing Authority. Community Housing Development Organization (CHDO) Expenses The City provides Community Corporation of Santa Monica with a $32,100 reimbursement for assisting and operating the HOME program. Other Forms of Investment Not applicable. City of Santa Monica Action Plan for FY 2001-02 Page 25 Affirmative Marketing Santa Monica has adopted the following affirmative fair housing marketing guidelines for use of HOME funds: No person shall on the grounds of race, color, national origin, religion, or sex be excluded from participating in, be denied the benefits of, or be subjected to discrimination under any program or activity funded in whole or in part with HOME funds. The Borrower shall establish an affirmative marketing and tenant selection plan for each project containing 5 or more units. The plan shall describe the marketing efforts and tenant selection procedures of the Borrower to attract eligible persons from all racial, ethnic and gender groups in the housing market area to the available housing. The marketing and tenant selection plan shall be submitted with the loan application. f:\hsd\share\cdbg-hud\ap0102.wpd (May 22, 2001) City of Santa Monica Action Plan for FY 2001-02 Page 26