Cities Index.
Merced Housing Successor Agency Annual Report Fiscal Year 2020-21.pdf

City Council/Public Finance and Economic Development Authority/Parking Authority
March 21, 2022

Document
Merced Housing Successor Agency Annual Report Fiscal Year 2020-21.pdf
Meeting
March 21, 2022
Body
City Council/Public Finance and Economic Development Authority/Parking Authority
Original file
515 KB
Text extracted from the city's file for reading and search. Open the original on cityofmerced.legistar1.com. That file is the official record.































 





















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8><270<<.=&;*7</.;8;62<*==*,1.-*<*<.9*;*=.-8,>6.7= 
Former Redevelopment Agency: City of Merced Redevelopment Agency Successor Agency to the Former
Redevelopment Agency: Appointed by Governor
Entity Assuming the Housing Functions
of the former Redevelopment Agency: City of Merced Housing Division Entity Assuming the Housing Functions
Contact Name: Elaine Post Title Development Manager Phone 209-385-6863 Entity Assuming the Housing Functions
Contact Name: John Bramble Title City Manager Phone 209-723-1780 The following Exhibits noted with an X in the box are included as part of this inventory of housing assets:

Exhibit A - Real Property x
Exhibit B- Personal Property
Exhibit C - Low-Mod Encumbrances x
Exhibit D - Loans/Grants Receivables x
Exhibit E - Rents/Operations
Exhibit F- Rents x
Exhibit G - Deferrals x
Prepared By: Elaine Post, Development Manager
Date Prepared: 7/24/2012 -
E-Mail Address
E-Mail Address
All assets transferred to the entity assuming the housing functions between February 1, 2012 and the date the exhibits were created are included in this housing assets list.

DEPARTMENT OF FINANCE

HOUSING ASSETS LIST
ASSEMBLY BILL X1 26 AND ASSEMBLY BILL 1484
(Health and Safety Code Section 34176)
Exhibit A - Real Property
Item #
Carrying Value
of Asset
Total
square
footage
Is the
property
encumbered
by a low-
mod
housing
covenant?
Source of low-
mod housing
covenant b/
Date of transfer to
Housing Successor
Agency
Construction
or acquisition
cost funded
with Low-Mod
Housing Fund
monies
Construction
or acquisition
costs funded
with other
RDA funds
Construction
or acquisition
costs funded
with non-RDA
funds
Date of
constructio
n or
acquisition
by the
former RDA
Interest in
real property
(option to
purchase,
easement,
etc.)
1 $96,068 .34 acre .34 acre Yes California
Redevelopment
Law
31-Jan-11 $96,068 NA NA 3-Feb-06 NA
2 $163,786 .18 acre .18 acre Yes California
Redevelopment
Law
31-Jan-11 $163,786 July, 2007
3 $19,050 .05 acre .05 acre Yes California
Redevelopment
Law
31-Jan-11 $19,050 Aug-98
4 $468,694 4.49
acre

4.49 acre
Yes California
Redevelopment
Law
31-Jan-11 $468,694 Mar-08
5 $85,259 .06 acre .06 acre Yes California
Redevelopment
Law
31-Jan-11 $85,259 Aug-98
6 $85,370 .07 acre .07 acre Yes California
Redevelopment
Law
31-Jan-11 $85,370 Oct-10
7 $181,044 .11 acre .11 acre Yes California
Redevelopment
Law
31-Jan-11 $181,044 Aug-08
8 $73,600 .17 acre .17 acre Yes California
Redevelopment
Law
31-Jan-11 $73,600 Feb-09
9 $201,293 .47 acre .47 acre Yes California
Redevelopment
Law
31-Jan-11 $201,293 Jul-07
10 $229,499 .21 acre .21 acre Yes California
Redevelopment
Law
31-Jan-11 $229,499 Oct-09
11 $110,151 .16 acre .16 acre Yes California
Redevelopment
Law
31-Jan-11 $110,151 Dec-09
12 $53,092 .17 acre .17 acre Yes California
Redevelopment
Law
31-Jan-11 $53,092 Nov-09
13 $90,539 .34 acre .34 acre Yes California
Redevelopment
Law
31-Jan-11 $90,539 Nov-09
14 $90,367 .25 acre .25 acre Yes California
Redevelopment
Law
31-Jan-11 $90,367 Dec-09
15 $45,596 .17 acre .17 acre Yes California
Redevelopment
Law
31-Jan-11 $45,596 Dec-09
16 $241,380 .17 acre .17 acre Yes California
Redevelopment
Law
31-Jan-11 $241,380 Sep-09
17 $35,626 .25 acre .25 acre Yes California
Redevelopment
Law
24-Mar-11 $35,626 Sep-09
18 $115,132 .17 acre .17 acre Yes California
Redevelopment
Law
31-Jan-11 $115,132 Sep-10
19 $72,159 .05 acre .05 acre Yes California
Redevelopment
Law
9-Mar-11 $72,159 18-Jan-11
20 $7,587 Single
Dwelling
House
All Yes California
Redevelopment
Law
18-Apr-11 $7,587 Feb-10
21 $15,183 Single
Dwelling
House
All Yes California
Redevelopment
Law
$15,183 Nov 2011 -
Mar 2012 -
Rehab
035-140-018
33 Parsons Ave.,
Merced CA
City of Merced
Inventory of Assets Received Pursuant to Health and Safety Code section 34176 (a) (2) Type of Asset a/
Vacant Land -
Future Low Income
Housing Stock
Square footage
reserved for low-
mod housing
Legal Title and
Description
059-240-018
376 South West
Ave., Merced,
CAVacant Land -
Future Low Income
Housing Stock
Low-Mod Housing
b/ May include California Redevelopment Law, tax credits, state bond indentures, and federal funds requirements.
a/ Asset types may include low-mod housing, mixed-income housing, low-mod housing with commercial space, mixed-income housing with commercial space.

Low-Mod Housing 032-133-015
951 W. 7th St.

Merced, CA
Vacant Land -
Future Low Income
Housing Stock
031-074-009
1823 I Street,
Merced, CA
033-032-013
25 E. Santa Fe
Ave Merced,
031-084-011
49 & 51 W. 18th
St Merced CA
031-074-008
202 W. 19th St.

Merced, CA
031-213-016 &
031-213-015
843 & 849 W.
14th St Merced
059-240-036
112 Canal St
Merced CA
032-161-002
454 W. 18th St.

Merced, CA
Vacant Land -
Future Low Income
Housing Stock
Vacant Land -
Future Housing
Stock
Vacant Land -
Future Low Income
Housing StockVacant Land -
Future Low Income
Housing Stock
Vacant Land -
Future Low Income
Housing Stock
Vacant Land -
Future Low Income
Housing Stock
Vacant Land -
Future Low Income
Housing Stock
Vacant Land -
Future Low Income
Housing Stock
Vacant Land -
Future Low Income
Housing Stock
059-024-027
406 Childs Ave.

Merced, CA
031-074-010
1815 I Street,
Merced CA031-074-011
205 W. 18th
Street Merced,
031-262-001
1744 I Street
Merced, CA
031-082-002
150 W. 19th St.,
Merced, CA
Vacant Land -
Future Low Income
Housing Stock
031-074-012
211 W. 18th St.

Merced, CA
059-256-004
73 South R
Street Merced,
CA
Vacant Land -
Future Low Income
Housing Stock
031-163-005
26 W. 18th
Street Merced,
CA
Vacant Land -
Future Low Income
Housing Stock
Vacant Land -
Future Low Income
Housing Stock
031-213-012
823 W. 14th St
Merced, CA
033-032-001
2490 & 2498 G
St. Merced, CA031-203-018 &
031-203-019
1011 West 14th
St. Merced, CA
Vacant Land -
Future Low Income
Housing Stock
Vacant Land -
Future Housing
Stock
Vacant Land -
Future Low Income
Housing Stock
Exhibit B - Personal Property
Item #
Carrying Value
of Asset
Date of
transfer to
Housing
Successor
Agency
Acquisition
cost funded
with Low-Mod
Housing Fund
monies
Acquisition
costs funded
with other RDA
funds
Acquisition
costs funded
with non-
RDA funds
Date of
acquisition by
the former RDA
1 2
3 4
5 6
7 8
9 10
11 12
13 14
15 16
17 18
19 20
City of Merced
Inventory of Assets Received Pursuant to Health and Safety Code section 34176 (a) (2) Type of Asset a/ Description
N/A
a/ Asset types any personal property provided in residences, including furniture and appliances, all housing-related files and loan documents, office supplies, software licenses, and mapping programs, that were acquired for low and moderate income housing purposes, either by purchase or through a loan, in whole or in part, with any source of funds.

Exhibit C - Low-Mod Encumbrances
Item #
Contractual
counterparty
Total amount
currently
owed for the
Enforceable
Obligation
Is the property
encumbered by
a low-mod
housing
covenant?
Source of low-
mod housing
covenant b/
Current
owner of
the
property
Construction or
acquisition cost
funded with
Low-Mod
Housing Fund
monies
Construction or
acquisition costs
funded with
other RDA funds
Construction
or acquisition
costs funded
with non-RDA
funds
Date of
construction or
acquisition of
the property
1 Merced Laurel
Glen, L.P. A
California Limited
th i
121,496 Yes Redevelopment
Law, Tax
Credits,
Merced
Laurel Glen,
L.P.
$130,000 $3,581,528
1-Nov-00
2 Merced Pacific
Associates
2,688,500 Yes Redevelopment
Law, Tax
Credits, State
Requirements
Merced
Pacific
Associates
$3,000,000 $12,229,079
Current
3 Central Valley
Coalition for
Affordable
Housing
3,185,560 Yes Redevelopment
Law, Tax
Credits, State
Requirements
Central
Valley
Coalition for
Affordable
Housing
$1,000,000 $16,414,576
12/30/2004
4 Central Valley
Coalition for
Affordable
Housing
299,000 Yes Redevelopment
Law, Tax
Credits, State
Requirements
Central
Valley
Coalition for
Affordable
Housing
$1,000,000 $16,414,576
12/30/2004
6 7
8 9
10 11
12 13
14 15
16 17
18 19
20 a/ May include low-mod housing, mixed-income housing, low-mod housing with commercial space, mixed-income housing with commercial space.
b/ May include California Redevelopment Law, tax credits, state bond indentures, and federal funds requirements.
8-Sep-11
10-Oct-02
10-Oct-02
City of Merced
Inventory of Assets Received Pursuant to Health and Safety Code section 34176 (a) (2) Date contract for
Enforceable
Obligation was
executed
Type of housing built
or acquired with
enforceably obligated
funds a/
Low-Mod Housing-
Laurel Glen Apartments
5-Sep-00
Multi-Family Unit -
Woodbridge
Apartments
Low-Mod Multi-Family
Unit - The Grove - 108
Loan
Low-Mod Multi-Family
Unit - The Grove - Loan
Guarantee
Exhibit D - Loans/Grants Receivables
Item #
Amount of the loan
or grant
Date the loan or
grant was issued
Purpose for
which the funds
were loaned or
granted
Are there
contractual
requirements
specifying the
purposes for which
the funds may be
used?
Repayment date, if
the funds are for a
loan
Interest rate
of loan
Current
outstanding
loan balance
1 $1,134,000 29-Jun-94
Sierra Meadows -
Senior Low-Mod
Housing Yes Apr-14 6% $861,251
2 $1,298,250 15-Dec-03
Merced Lofts -
Renovation Yes 2016
Portion of
Profit 1,298,250
3 $3,000,000 8-Sep-11
Construction
Loan for
Woodbridge Multi
Family Housing
Yes 12/30/2012 5.95% $3,000,000
4 $800,000 8-Sep-11
Woodbridge Low-
Mod Multi Family Yes 30 Year Term 2.50%
Effective End of
Const.
5 $4,888,500 8-Sep-11
Woodbridge Low-
Mod Multi Family Yes 40 Year Term 5.95%
Effective End of
Const.
6 $4,000,000 10-Oct-02
The Grove - Multi
Family Yes 2022 6.50% 4,685,234
7 $130,000 5-Sep-00
Laurel Glen -
Village Green
Multi-Fam
Apartments
Renovation Yes 2030 0% 117,000
8 $1,000,000 October 10. 2002
The Grove - Multi
Family Yes 2042 3% $1,091,150.68
9 $250,000 5-May-03
Merced Lofts -
Renovation Yes 10 Year Term w/Ballo 5.75% 250,000
10 $49,777.77 19-Sep-97
Demolition/Re-
construction of
Single Family
Residence Yes 240+ months 5% $59,786.57
11 $68,701.33 15-Sep-97
Demolition/Re-
construction of
Single Family
Residence Yes 240+ months 5% $88,050.92
12 $5,650.00 23-Jun-94
Down Payment &
Closing Cost
Assistance Yes 240 months 5.875% $1,061.09
City of Merced
Inventory of Assets Received Pursuant to Health and Safety Code section 34176 (a) (2) Curtis Rigers & Beverly
Rigers
Jorge Guerrero &
Margarita Mejia
Guerrero
Merced Senior Limited,
a California Limited
Partnership
Merced Lofts, LLC
Merced Pacific
Associates
Merced Pacific
Associates
Merced Pacific
Associates
Merced Lofts, LLC
Ralph M. Ferrel
Central Valley Coalition
for Affordable Housing
Merced Laurel Glen,
L.P.

Central Valley Coalition
for Affordable Housing
Was the Low-Mod
Housing Fund
amount issued for a
loan or a grant?
Person or entity to
whom the loan or
grant was issued
Loan
Loan
Participation Loan
HUD 108 Loan
2nd Construction Loan
Construction Loan
Participation Loan
Participation Loan
Loan
Loan
Loan
Loan
13 $4,410.00 1-Feb-00
Rehab of Single
Family
Residence Yes 240 months 0% $4,310.00
14 $3,175.30 7-Feb-00
Rehab of Single
Family
Residence Yes 240+ months 0% $3,503.82
15 $8,196.00 26-Jan-99
Down Payment &
Closing Cost
Assistance Yes 240 months 5% $2,121.05
16 $164,476.50 5-Oct-05
Demolition/Re-
construction of
Single Family
Residence Yes 240+ months 3% $160,121.96
17 $3,800.00 10-Apr-97
Down Payment &
Closing Cost
Assistance Yes 240 months 5.625% $1,275.88
18 $10,000.00 9-Apr-97
Down Payment &
Closing Cost
Assistance Yes 240 months 4.75% $3,809.10
19 $10,000.00 14-Apr-98
Down Payment &
Closing Cost
Assistance Yes 240 months 4.875% $4,649.99
20 $3,198.00 30-Apr-98
Down Payment &
Closing Cost
Assistance Yes 240 months 3.750% $1,178.92
21 $8,385.00 21-May-98
Down Payment &
Closing Cost
Assistance Yes 240 months 4% $3,867.67
22 $9,963.00 30-Jul-98
Down Payment &
Closing Cost
Assistance Yes 240 months 5% $8,811.13
23 $5,257.31 13-Oct-98
Down Payment &
Closing Cost
Assistance Yes 240 months 5.5% $5,257.31
24 $12,539.25 18-Aug-99
Rehab of Single
Family
Residence Yes 240 months 5% $4,118.43
25 $98,281.96 5-Apr-02
Single Family
Low-Mod Rental
Housing Yes 240 months 0% $25,510.47
26 $101,303.29 5-Apr-02
Single Family
Low-Mod Rental
Housing Yes 240 months 0% $28,387.16
27 $28,671.87 1-Apr-97
28 $66,230.18 19-Jun-97
29 $65,000.00 21-May-01
Single Family
Low-Mod Rental
Housing Yes 240 months 5% $49,580.02
Samuel Garcia &
Avelina Garcia
Santiago Oregel C. &
Pedro Oregel R.

Christopher P. Garcia &
Michelle Marquez
Garcia
Joanna Lavaughn Scott
Ramon C. Zamora &
Celia V. Zamora
Susan M. Cruz
Loan
Loan
Loan
Loan
Loan
Loan Bertha G. Mendoza
Loan
Loan
Loan
Loan
Loan
Loan
Marilynne Pereira
Francisco Javier
Herrera & Erlinda
Sylvia Herrera
Edgar C. Cardenas
Salvador Miramontes &
Maria Castanon
Cecilio Badillo &
Irma Badilla
Loan
Loan
Loan
James Henry Lee, Jr.

James Henry Lee, Jr.

Central Valley Coalition
for Affordable Housing
Single Family
Low-Mod Rental
Housing
Loan Daniel E. Hanson & Ida
Lee Hanson
$75,738.60Yes 360 months 5%
30 $30,000.00 21-Feb-95
Single Family
Low-Mod Rental
Housing Yes 240 months 6% $6,890.40
31 $80,000.00 20-Oct-97
Single Family
Low-Mod Rental
Housing Yes 240 months 5% $35,484.51
32 $55,815.00 18-Jan-11
Multi-Family Low-
Mod Rental
Housing Yes 55 years 0% $55,815.00
33 $15,784.63 20-Jan-00
Rehab of Single
Family
Residence Yes 240+ months 5% $23,676.93
34 $59,415.62 9-Aug-99
Rehab of Single
Family
Residence Yes 240+ months 5% $89,123.42
35 $22,422.81 13-Sep-00
Rehab of Single
Family
Residence Yes 240+ months 5% $33,634.21
36 $105,544.34 10-Aug-00
Demolition/Re-
construction of
Single Family
Residence Yes 240+ months 5% $168,769.74
37 $54,063.93 8-Mar-00
Rehab of Single
Family Yes 240+ months 5% $81,095.83
38 $88,918.47 3-May-02
Demolition/Re-
construction of
Single Family
Residence Yes 240+ months 5% $131,538.43
39 $2,524.00 15-Jan-03
Public Facilities
Financing Fee
Grant Program Yes 120 months 5% $3,728.95
40 $16,700.00 18-Aug-08
Property Cleanup
for Gateway
Project Area.

Propery had
safety concerns
and visual blight Yes
Loan to be repaid
when the land is
either sold or
developed.
0% $16,700.00
Loan Central Valley Coalition
for Affordable Housing
Loan
Loan John Chapman & Carol
J. Chapman & Jack E.

Helsby
Central Valley Coalition
for Affordable Housing
Loan Frances O. Vaughn
Loan Heriberto & Lorena
Rodriguez
Loan Linda T. Zamora
Loan Octavio Garza
Loan
Loan
Loan
Loan
Mary Ann Rodriguez
Catrina Samaniego
Lai Nyan Saeteurn &
Fahm Seng Saeteurn
Ho D. Truong & Le
Nguyet
Exhibit E - Rents/Operations
Item #
Type of property
with which they
payments are
associated b/
Property
owner
Entity that
collects the
payments
Entity to which
the collected
payments are
ultimately
remitted
Purpose for
which the
payments are
used
Is the property
encumbered
by a low-mod
housing
covenant?
Source of low-
mod housing
covenant c/
Item # from
Exhibit A the
rent/operation
is associated
with (if
applicable)
1 2
3 4
5 6
7 8
9 10
11 12
13 14
15 16
17 18
19 20
N/A
c/ May include California Redevelopment Law, tax credits, state bond indentures, and federal funds requirements.
b/ May include low-mod housing, mixed-income housing, low-mod housing with commercial space, mixed-income housing with commercial space. a/ May include revenues from rents, operation of properties, residual receipt payments from developers, conditional grant repayments, costs savings and proceeds from refinancing, and principal and interest payments from homebuyers subject to enforceable income limits.

City of Merced
Inventory of Assets Received Pursuant to Health and Safety Code section 34176 (a) (2) Type of payment a/
Exhibit F - Rents
Item #
Type of property
with which the
payments are
associated b/ Property owner
Entity that
collects the
payments
Entity to which
the collected
payments are
ultimately
remitted
Purpose for which the
payments are used
Is the property
encumbered
by a low-mod
housing
covenant?
Source of low-
mod housing
covenant c/
Item # from
Exhibit A the rent
is associated
with (if
applicable)
1 Single Family
Low - Mod
Housing
Daniel E. Hanson & Ida
Lee Hanson
Property
Owner
City of Merced
Housing
Division
Repaying loan &
Program Income for
reuse in future
housing stock
No - Covenant
no longer valid N/A N/A
2 Single Family
Low - Mod
Housing
Central Valley Coalition
for Affordable Housing
Property
Owner
City of Merced
Housing
Division
Repaying loan &
Program Income for
reuse in future
housing stock
Yes RDA Law N/A
3 Single Family
Low - Mod
Housing
Central Valley Coalition
for Affordable Housing
Property
Owner
City of Merced
Housing
Division
Repaying loan &
Program Income for
reuse in future
housing stock
Yes RDA Law N/A
4 Single Family
Low - Mod
Housing
Central Valley Coalition
for Affordable Housing
Property
Owner
City of Merced
Housing
Division
Repaying loan &
Program Income for
reuse in future
housing stock
Yes RDA Law N/A
5 Single Family
Low - Mod
Housing
James Henry Lee, Jr.

Property
Owner
City of Merced
Housing
Division
Repaying loan &
Program Income for
reuse in future
housing stock
Yes RDA Law N/A
6 Single Family
Low - Mod
Housing
James Henry Lee, Jr.

Property
Owner
City of Merced
Housing
Division
Repaying loan &
Program Income for
reuse in future
housing stock
Yes RDA Law N/A
7 Multi-Family
Low/Mod
Housing
John L. Chapman,
Carol J. Chapman, &
Jack E. Helsby
Property
Owner
City of Merced
Housing
Division
Payments are
Deferred Yes RDA Law N/A
8 9
10 11
12 City of Merced
Inventory of Assets Received Pursuant to Health and Safety Code section 34176 (a) (2) Type of payment a/
Loan
Loan
Loan
Loan
Loan
Loan
Loan
13 14
15 16
17 18
19 20
b/ May include low-mod housing, mixed-income housing, low-mod housing with commercial space, mixed-income housing with commercial space.
c/ May include California Redevelopment Law, tax credits, state bond indentures, and federal funds requirements.
a/ May include rents or home loan payments.

Exhibit G - Deferrals
Item #
Fiscal year in
which funds
were deferred
Amount
deferred
Interest rate
at which
funds were
to be repaid
Current
amount owed
Date upon which
funds were to be
repaid
1 2003 $1,298,250
Portion of
Profits $1,298,250 Dec. 31, 2016
2 2002
$1,091,150 3% $1,091,150 Dec. 31, 2042
3 2003 250,000
0%
$250,000
Dec. 31 2016
4 FY 1999-2000 $59,415.62 5% $89,123.42
Affordability
Assessment
required
approximately
every 60 months.
5 FY 1999-2000 $15,784.63 5% $23,676.93
Affordability
Assessment
required
approximately
every 60 months.
6 FY 1999-2000 $54,063.93 5% $81,095.83
Affordability
Assessment
required
approximately
every 60 months.

Purpose for which
funds were deferred
Affordability of
Rehabilitation
Project for Multi
Family Low-Mod
Units
Affordability for New
Construction for
Multi Family Low-
Mod Units
Affordability for
Rehabilitation
Construction of Multi
Family Low/Mod
Units
Affordability
City of Merced
Inventory of Assets Received Pursuant to Health and Safety Code section 34176 (a) (2) Affordability
Affordability
7 FY 2000-2001 $105,544.34 5% $168,769.74
Affordability
Assessment
required
approximately
every 60 months.
8 FY 2000-2001 $22,422.81 5% $33,634.21
Affordability
Assessment
required
approximately
every 60 months.
9 FY 2001-2002 $88,918.47 5% $131,538.43
Affordability
Assessment
required
approximately
every 60 months.
10 FY 2002-2003 $2,524.00 5% $3,728.95
Note will be
canceled on
01/15/2013 if the
property
remained owner-
occupied for a
120 month
period. No
principal or
interest will be
owed.
11 FY 2008-2009 $16,700.00 0% $16,700.00
Loan to be repaid
when the land is
either sold or
developed.
12 FY 2010-2011 $55,815.00 0% $55,815.00
Loan to be repaid
in 55 years --
(2066)13 FY 11-12 $3,000,000.00 5.95% $3,000,000.00
Funds to be paid at
certificate of
completion - will be
deducted from
$4.8 million loan
14 FY 11-12 $800,000.00 2.50% $800,000.00
30 Year Term
Beginning after
Profit
Loan / Grant
Agreement
Affordability
Affordability
Affordability
Gateway Project
Area with Safety
concerns and visual
blight
Low / Mod Rental
Low / Mod Rental
Low / Mod Rental
15 FY 11-12 $4,888,500 5.95% $1,888,500.00
40 Year Term
Beginning after
Profit
16 FY 98-99 $55,064.33 5% $82,596.43
Affordability
Assessment
required
approximately
every 60 months.
17 FY 97-98 $49,777.77 5% $49,777.77
Affordability
Assessment
required
approximately
every 60 months.
18 FY 05-06 $88,476.50 3% $97,755.62
Affordability
Assessment
required
approximately
every 60 months.
19 20
21 22
Affordability
Low / Mod Rental
Affordability
Affordability

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