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HomeMy WebLinkAboutC36510 Res 2020-47 Coachella Valley Housing Coalition (CVHC) Conveyance of 14 Sngl-Fmly LotsContract No. C36510 MEETING DATE: PREPARED BY: STAFF REPORT CITY OF PALM DESERT COMMUNITY DEVELOPMENT DEPARTMENT May 28, 2020 Jessica Gonzales, Senior Management Analyst REQUEST: Consideration for approval of actions related fourteen single-family lots (currently known a 032 thru 624-440-036 and 624-441-014 thru Coachella Valley Housing Coalition, Inc. Recommendation By Minute Motion that the City Council: to the conveyance of s APN Nos. 624-440- 624-441-022) to The 1) Adopt City Resolution No. 2020- 47, approving the conveyance by the City of fourteen (14) single-family lots located at Merle Street (currently known as APN Nos. 624-440-032 thru 624-440-036 and 624-441-014 thru 624-441- 022) (the "Lots" or "Property") to The Coachella Valley Housing Coalition, Inc. ("CVHC") pursuant to a Disposition and Development Agreement, Contract No. C36510, substantially in the form attached hereto (the "Agreement") for the purpose of constructing 14 detached single-family dwellings to be made available through the self-help program to qualified very low and lower income households (the "Project"); 2) Authorize the Director of Finance to set-aside $350,000 for Silent Second Trust Deeds to provide assistance to qualifying very low and lower income first-time homebuyers, not to exceed $25,000 per homebuyer; and 3) Authorize the Mayor and/or the City Manager to take any action deemed necessary for the purpose of effectuating the lot donation and/or transfer of property as prescribed in the Agreement and any documents necessary to effectuate the actions taken herewith. Funds are available in Housing Mitigation Account No. 214-4490-466-3901. Strateqic Plan One of the priorities of the City's Envision Palm Desert Strategic Plan, as part of Land, Use, Housing and Open Space, is to facilitate development of high quality housing for people of all income levels. This request meets that objective by diversifying the City's housing stock for very low and lower income households. May 28, 2020 — STAFF REPORT City — Approval of Conveyance of Vacant Parcels to CVHC Page 2 of 4 Executive Summary On October 11, 2018, the City issued a Request for Proposals ("RFP") seeking a quatified developer to assist with the development of a fourteen (14) unit Self-Help project and only one response was received from CVHC. Adoption of the Resolution will authorize an Agreement with CVHC for the conveyance of the Property to CVHC, and the development of fourteen (14) single-family detached homes to be made available through the Self-Help program for sale at an affordable housing cost to qualified very low or low income first-time homebuyer households which include a member who is employed within the City's jurisdictional boundaries. Concurrently, the City will retain restrictions on each of the fourteen (14) lots in order to ensure compliance and continued affordability. The Agreement provides for the City to convey the Property by grant deed to CVHC for $560,000 ("Purchase Price") and for the City to loan the Purchase Price to CVHC on the terms set forth in the form of promissory note attached to the Agreement, which loan will be secured by a deed of trust on the Property ($40,000 per lot) in the form attached to the Agreement. Approval of the set aside of $350,000 in Housing Mitigation Account No. 214-4490-466- 3901 will allow the City, in its sole discretion, to provide assistance through Silent Second Trust Deeds to qualifying very low and lower income first-time homebuyers, not to exceed $25,000 per homebuyer. Backqround The fourteen (14) self-help Lots are owned by the City and were acquired as part of a greater master-planned site which is inclusive of the Hovley Garden Apartments, Falcon Crest, and the La Rocca Villas (Tentative Track Map No. 30795). The vacant subdivided Lots are {ocated west of Cook Street and front Merle Street (currently known as APN Nos. 624-440-032 thru 624-440-036 and 624-441-014 thru 624-441-022) providing easy access to public transportation, recreational facilities, commercial business districts, and schools. After receiving no response to a previously issued RFP on March 2018, the City solicited an RFP again on October 11, 2018 from qualified affordable housing developers for the development of the Project through a self-help or sweat equity program. On November 8, 2018, one response was received from CVHC. Attached for the City Council's consideration is the proposed Agreement and related documents that provide for the conveyance of the Property from the City to CVHC. The Agreement and related documents provide for the recording of deferred payment deeds of trust to secure the City's loan to CVHC of the Purchase Price, which will be assumed May 28, 2020 — STAFF REPORT City — Approval of Conveyance of Vacant Parcels to CVHC Page 3 of 4 by each homeowner on a pro rata basis ($40,000 per home), the construction of fourteen (14) Self-help single-family homes, a covenant restricting the homes for sale to qualifying very low and lower income households at affordable sales prices, with resale price controls pursuant to regulatory agreements. The loan for each homeowner ($40,000) will only be payable upon a default under the regulatory agreement or the transfer of the property in violation of the regulatory agreement during the 45-year term. The homes will be restricted to households whose incomes do not exceed the income limits for very low and low income households based on the area median income for Riverside County at the time of sale. A qualifying household must be a first-time homebuyer and have a household member who is employed within the City's jurisdictional boundaries. The City's financial participation in the Project will be limited to loan of the Purchase Price of the Property and the potential homebuyer assistance, in the form of Silent Second Trust Deeds. The assistance for each homebuyer will be up to $25,000 depending on their need to secure an affordable housing cost ($350,000 in total). Staff recommends approval of the conveyance of the fourteen parcels to CVHC pursuant to the Agreement. Upon completion of the Self-Help Project, 14 affordable single-family residences will be added to the City's affordable housing portfolio, increasing the supply of affordable housing in the City. Funds are available in Housing Mitigation Account No. 214-4490-466-3901. Fiscal Analvsis The fiscal impact to the City in connection with the proposed actions and Agreement includes the auxiliary costs to the City related to the conveyance of the land such as escrow fees and the homebuyer assistance (not to exceed a total of $350,000). LEGAL REVIEW ��� w� � i��calrok Legal Counsel to the PD Housing Authority DEPT. REVIEW � s�a�cc Ryan Stendell Director of Community Development FINANCIAL REVIEW ASSISTANT CITY MANAGER �c+.r,,l� ?'�. �'%?0 0u Janet Moore Director of Finance �nd� �ice.,trne Andy Firestine Assistant City Manager City Manager, Lauri Aylaian: �Q May 28, 2020 — STAFF REPORT City — Approval of Conveyance of Vacant Parcels to CVHC Page 4 of 4 CONTRACTOR: Coachella Valley Housing Coalition 45701 Monroe Street, Suite G Indio, CA 92201 ATTACHMENTS: City Resolution No. 2020 — 47 Draft Development Disposition Agreement, Contract No. C36510 Coachella Valley Housing Coalition Proposal Site Map RESOLUTION NO. 2020-47 A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF PALM DESERT APPROVING THE EXECUTION AND DELIVERY OF A DISPOSITION AND DEVELOPMENT AGREEMENT BETWEEN THE CITY OF PALM DESERT AND THE COACHELLA VALLEY HOUSING COALITION TO SUPPORT THE CREATION OF NEW AFFORDABLE HOUSING ON CERTAIN REAL PROPERTY OWNED BY THE CITY, AND AUTHORIZING CERTAIN RELATED ACTIONS WHEREAS, the City of Palm Desert owns the real property located in the City of Palm Desert, County of Riverside, State of California, described on Exhibit "A," attached hereto and incorporated herein (the "Property"); and WHEREAS, on October 11, 2018, the City issued a Request for Proposals ("RFP") seeking a qualified developer to assist with the development of 14 self-help single-family homes on the Property; and WHEREAS, the City received only one response to the RFP, which was from the Coachella Valley Housing Coalition, a California non-profit public benefit corporation ("CVHC"); and WHEREAS, CVHC wishes to acquire the Property from the City and to complete a project on the Property consisting of 14 detached single family homes that will be restricted for sale to qualified very low and low income households (the "Project"); and WHEREAS, the Project is a self-help housing project in which no fewer than 500 hours of construction work associated with each of the homes is to be performed by the homebuyers; and WHEREAS, CVHC has demonstrated its ability to develop affordable housing projects including self-help projects; and WHEREAS, CVHC has provided documentation to the City demonstrating that it will need financial support from the City for the creation of the homes; and WHEREAS, CVHC has requested the City to enter into a Disposition and Development Agreement (the "DDA") with CVHC; and WHEREAS, the DDA provides for the City to convey the Property by grant deed to CVHC for $560,000 ("Purchase Price") and for the City to loan the Purchase Price to CVHC on the terms set forth in the form of promissory note attached to the DDA, which loan will be secured by a deed of trust on the Property in the form attached to the DDA; and WHEREAS, the DDA requires CVHC to timely construct, or cause to be constructed, the 14 single-family homes on the Property, including public infrastructure improvements associated with the homes, and timely sell the singfe-family homes to RESOLUTION NO. 2020-47 Page 2 qualified very low and low income households, which requires participants to be first time homebuyers and the household include a member who is employed within the City's jurisdictional boundaries, at a price that does not exceed an affordable housing cost in accordance with the terms of the affordable housing restriction agreement attached to the DDA; and WHEREAS, the City may, in its sole discretion, provide assistance to a qualified household in compliance with any City first time homebuyer affordable housing program; NOW, THEREFORE, THE CITY COUNCIL OF THE CITY OF PALM DESERT HEREBY RESOLVES: Section 1. The above recitals are true and correct and a substantive part of this Resolution. Section 2. The DDA by and between the City and CVHC, presented to the City Council at this meeting and incorporated herein by reference, is hereby approved. The City Manager, or her designee (each, an "Authorized Officer"), is hereby authorized to execute and deliver, for and in the name of the City, the DDA in substantially such form, with such additions or changes as the Authorized Officer executing the same may approve (such approval to be conclusively evidenced by such Authorized Officer's execution and delivery thereofl. Section 3. The officers and staff of the City are hereby authorized, jointly and severally, to do all things which they may deem necessary or proper to effectuate the purposes of this Resolution and implement the DDA, including the execution and recordation of agreements and documents contemplated by the DDA, and any such actions previously taken are hereby ratified and confirmed. P6401-0001 �2419422v1.doc RESOLUTION NO. 2020-47 Page 3 PASSED, APPROVED, AND ADOPTED by the City Council of the City of Palm Desert, California, at its regular meeting held on the 28th day of Mav, 2020, by the following vote, to wit: AYES: NOES: ABSENT: ABSTAIN: GINA NESTANDE, MAYOR ATTEST: GRACE L. ROCHA, ACTING CITY CLERK P6401-0001�2419422v1.doc EXHIBIT A LEGAL DESCRIPTION OF THE PROPERTY That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440- 036, 624-441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 EXHIBIT A LEGAL DESCRIPTfON OF THE PROPERTY That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440- 036, 624-441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 DRAFT FOR DISCUSSION - C36510 DISPOSITION AND DEVELOPMENT AGREEMENT by and between the CITY OF PALM DESERT “City” and THE COACHELLA VALLEY HOUSING COALITION “Developer” , 2020 DISPOSITION AND DEVELOPMENT AGREEMENT THIS DISPOSITION AND DEVELOPMENT AGREEMENT (this “Agreement”), dated as of ___________________, 2020 (the “Effective Date”) is entered into by and between the CITY OF PALM DESERT, a California municipal corporation (the “City”), and THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation (the “Developer”). The City and the Developer are hereinafter sometimes individually referred to as a “party” and collectively referred to as the “parties”. R E C I T A L S This Agreement is entered into with reference to the following facts: A. The City owns the real property located in the City of Palm Desert, County of Riverside, State of California, described on Exhibit “A” (the “Property”). The Developer wishes to acquire the Property from the City to enable the Developer to complete a self-help project consisting of fourteen (14) detached single family homes that will be sold and restricted to Very Low and Low Income Households (the “Project”). B. The Project is a self-help housing project in which no fewer than 500 hours of construction work associated with the homes are to be performed by the homebuyers; consequently, the Project should not be subject to prevailing wages by virtue of California Labor Code Section 1720(c)(5)(A). C. A material inducement to the City to enter into this Agreement is the agreement by the Developer to develop the Project and sell the homes within a limited period of time, and the City would be unwilling to enter into this Agreement in the absence of an enforceable commitment by the Developer to develop the Project and sell the homes within such period(s) of time. NOW, THEREFORE, in reliance upon the foregoing Recitals, in consideration of the mutual covenants in this Agreement and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows: ARTICLE 1. DEFINITIONS 1.1 Definitions. The following terms as used in this Agreement shall have the meanings given unless expressly provided to the contrary: 1.1.1 AHRA means the Affordable Housing Restriction Agreement in the form attached hereto as Exhibit “F”. 1.1.2 Agreement means this Disposition and Development Agreement. 1.1.3 Buyers is defined in Section 5.3.1. DRAFT FOR DISCUSSION - C36510 -3- P6401-0001\2274989v4.doc 1.1.4 Certificate of Completion means a certificate described in Section 3.10, to be provided by the City to the Developer upon satisfactory completion of its obligations as described therein. 1.1.5 Certificate of Occupancy means a final certificate of occupancy issued by the City for each home. 1.1.6 City means the City of Palm Desert, a municipal corporation, exercising governmental functions and powers, and organized and existing under the laws of the State of California. The principal office of the City is located at 73-510 Fred Waring Drive, Palm Desert, CA 92260-2578. 1.1.7 Close of Escrow and Closing are defined in Section 2.3.2. 1.1.8 Commencement Date is defined in Section 3.1.1. 1.1.9 Completion Date is defined in Section 3.1.1. 1.1.10 Construction Administration Agreement is defined in Section 2.3.3(h). 1.1.11 Construction Loans is defined in Section 2.4.7. 1.1.12 Deed of Trust means the Deed of Trust, Assignment of Rents and Security Agreement in the form attached hereto as Exhibit “F” and incorporated herein by this reference. 1.1.13 Deemed Disapproved Exceptions is defined in Section 2.5.2. 1.1.14 Default is defined in Section 6.1. 1.1.15 Developer means The Coachella Valley Housing Coalition, a California non-profit public benefit corporation, and its successors and assigns. The principal office of the Developer for purposes of this Agreement is 45-701 Monroe Street, Suite G, Indio, CA 92201. 1.1.16 Disapproved Exceptions is defined in Section 2.5.2. 1.1.17 Disapproval Notice is defined in Section 2.5.2. 1.1.18 Due Diligence Period is defined in Section 2.7.1. 1.1.19 Escrow is defined in Section 2.3.1. 1.1.20 Escrow Holder means Foresite Escrow, Inc. The principal office of the Escrow Holder for purposes of this Agreement is 41-995 Boardwalk, Suite G2, Palm Desert, CA 92211. 1.1.21 Force Majeure Delay is defined in Section 6.7. 1.1.22 Grant Deed is defined in Section 2.5.2. DRAFT FOR DISCUSSION - C36510 -4- P6401-0001\2274989v4.doc 1.1.23 Hazardous Materials means any chemical, material or substance now or hereafter defined as or included in the definition of “hazardous substances,” “hazardous wastes,” “hazardous materials,” “extremely hazardous waste,” “restricted hazardous waste,” “toxic substances,” “pollutant or contaminant,” “imminently hazardous chemical substance or mixture,” “hazardous air pollutant,” “toxic pollutant,” or words of similar import under any local, state or federal law or under the regulations adopted or publications promulgated pursuant thereto applicable to the Property, including, without limitation: the Comprehensive Environmental Response, Compensation and Liability Act of 1980, 42 U.S.C. § 9601, et seq. (“CERCLA”); the Hazardous Materials Transportation Act, as amended, 49 U.S.C. § 1801, et seq.; the Federal Water Pollution Control Act, as amended, 33 U.S.C. § 1251, et seq.; and the Resource Conservation and Recovery Act of 1976, 42 U.S.C. § 6901, et seq. The term “Hazardous Materials” shall also include any of the following: any and all toxic or hazardous substances, materials or wastes listed in the United States Department of Transportation Table (49 CFR 172.101) or by the Environmental Protection Agency as hazardous substances (40 CFR Part 302 ) and in any and all amendments thereto in effect as of the date of the close of any escrow; oil, petroleum, petroleum products (including, without limitation, crude oil or any fraction thereof), natural gas, natural gas liquids, liquefied natural gas or synthetic gas usable for fuel, not otherwise designated as a hazardous substance under CERCLA; any substance which is toxic, explosive, corrosive, reactive, flammable, infectious or radioactive (including any source, special nuclear or by-product material as defined at 42 U.S.C. § 2011, et seq.), carcinogenic, mutagenic, or otherwise hazardous and is or becomes regulated by any governmental authority; asbestos in any form; urea formaldehyde foam insulation; transformers or other equipment which contain diele ctric fluid containing levels of polychlorinated biphenyl’s; radon gas; or any other chemical, material or substance (i) which poses a hazard to the Property, to adjacent properties, or to persons on or about the Property, (ii) which causes the Property to be in violation of any of the aforementioned laws or regulations, or (iii) the presence of which on or in the Property requires investigation, reporting or remediation under any such laws or regulations. 1.1.24 Holder is defined in Section 4.1.1. 1.1.25 Improvements means the improvements described in Section 3.1.2. 1.1.26 Outside Date is defined in Section 2.3.2. 1.1.27 Plans and Specifications means all plans and specifications for the Project that must be submitted to City to obtain construction-related permits for the Project. 1.1.28 Project is defined in Recital A 1.1.29 Promissory Note means the CVHC Promissory Note in the form attached hereto as Exhibit “F” and incorporated herein by this reference. 1.1.30 Property is defined in Recital A. 1.1.31 Property Documents is defined in Section 2.7.2. 1.1.32 Qualified Household is defined in Section 4(d) of the form of AHRA attached hereto as Exhibit “F”. DRAFT FOR DISCUSSION - C36510 -5- P6401-0001\2274989v4.doc 1.1.33 Released Parties is defined in Section 2.8. 1.1.34 Review Period is defined in Section 2.5.2. 1.1.35 Right of Entry Agreement is defined in Section 2.7.1. 1.1.36 Schedule of Performance means the schedule attached hereto as Exhibit “B” and incorporated herein by this reference. 1.1.37 Scope of Development means the description of the Improvements contained in Exhibit “D” attached hereto and incorporated herein by this reference. 1.1.38 Survey is defined in Section 2.5.1. 1.1.39 Title Company is defined in Section 2.5.3. 1.1.40 Title Policy is defined in Section 2.5.3. 1.1.41 Title Report is defined in Section 2.5.1. 1.1.42 Transaction Costs means all attorneys’ fees, staff time, appraisal costs, and costs of financial advisors and other consultants. 1.1.43 Transfer is defined in Section 4.1.1. 1.1.44 Unit shall mean one of the 14 single family homes constructed on the Property as contemplated by this Agreement. ARTICLE 2. CONVEYANCE OF THE PROPERTY TO DEVELOPER 2.1 Conveyance. Subject to and in accordance with the terms and conditions herein set forth, the City agrees to convey the Property to the Developer, and the Developer agrees to acquire the Property from the City. 2.2 Consideration; City Loan. The City shall convey the Property to the Developer for Five Hundred Sixty Thousand Do llars ($560,000.00) (“Purchase Price”) but City will loan the Purchase Price to Developer on the terms set forth in the form of promissory note attached hereto as part of Exhibit “F” which will be secured by a deed of trust on the Property in the form attached hereto as part of Exhibit “F”. The City’s conveyance of the Property is also in consideration for the Developer’s agreement to timely construct the Improvements (or cause to be constructed) and timely sell the Units, and the other covenants of the Developer and restrictions set forth in the AHRA. 2.3 Escrow. 2.3.1 Opening of Escrow. Upon the parties’ full execution of this Agreement, the Developer and the City shall deliver a copy of this executed Agreement to, and open an escrow (the “Escrow”) with, the Escrow Holder for the transfer of the Property to the Developer. This DRAFT FOR DISCUSSION - C36510 -6- P6401-0001\2274989v4.doc Agreement shall serve as the escrow instructions for the Escrow, together with any reasonable supplemental escrow instructions required by Escrow Holder or delivered by each party that are consistent with this Agreement. The Escrow Holder is authorized to act under this Agreement, and to carry out its duties as the Escrow Holder hereunder. 2.3.2 Close of Escrow. “Close of Escrow” or “Closing” means the date Escrow Ho lder causes the Grant Deed (as hereinafter defined) to be recorded in the Official Records of the County of Riverside. Possession of the Property shall be delivered to the Developer on the Close of Escrow. Close of Escrow shall occur on or before 5:00 p.m., one hundred and fifty (150) days from the Effective Date (the “Outside Date”). If for any reason other than a Default by the City or Developer the Closing does not occur on or before the Outside Date, the City Manager may terminate this Agreement by written notice to Developer, in which case all monies and documents deposited into the Escrow shall be promptly returned to the appropriate party, and each party shall pay its one-half (1/2) of any Escrow charges and fees in connection with such termination. 2.3.3 Delivery of Closing Documents. (a) The City and Developer agree to deliver to Escrow Holder, one (1) business day prior to the Close of Escrow, the following instruments and documents, the delivery of each of which shall be a condition precedent to the Close of Escrow: (b) The Grant Deed, duly executed and acknowledged by the City, conveying a fee simple interest in the Property to Developer, subject only to such exceptions to title as Developer may have approved or have been deemed to approve pursuant to Section 2.5.2; (c) The AHRA duly executed and acknowledged by the Developer and City; (d) The Promissory Note duly executed by the Developer and the Deed of Trust duly executed and ack nowledged by the Developer, in the forms attached hereto as Exhibit “F”; (e) A Notice of Affordability Restrictions on Transfer of Property in the form attached hereto as Exhibit “G” duly executed and acknowledged by City and Developer; (f) The City’s affidavit as contemplated by California Revenue and Taxation Code Section 18662; (g) A Certification of Non-Foreign Status signed by City in accordance with Internal Revenue Code Section 1445; (h) A fully-executed Construction Administration Agreement by and among the Developer, the City and the maker(s) of the Construction Loans, and by which the Developer and such makers are obligated to assist the Owners in the administration of the Construction Lo ans, and which shall be in form and substance acceptable to the City (the “Construction Administration Agreement”); and DRAFT FOR DISCUSSION - C36510 -7- P6401-0001\2274989v4.doc (i) Such proof of the City’s and Developer’s authority and authorization to enter into this transaction as the Title Company may reasonably require in order to issue the Title Policy. The City and the Developer further agree to execute such reasonable and customary additional documents, and such additional escrow instructions, as may be reasonably required to close the transaction which is the subject of this Agreement pursuant to the terms hereof. 2.4 Conditions to Close of Escrow. The obligations of the City and Developer to close the transaction which is the subject of this Agreement shall be subject to the satisfaction, or waiver in writing by the party benefited thereby, of each of the following conditions: 2.4.1 For the benefit of the City, the Developer shall have deposited such funds as are necessary to pay for costs and expenses payable by Develo per hereunder. 2.4.2 For the benefit of the City, all actions and deliveries to be undertaken or made by Developer on or prior to the Close of Escrow shall have occurred. 2.4.3 For the benefit of the Developer, all actions and deliveries to be undertaken or made by the City on or prior to the Close of Escrow shall have occurred. 2.4.4 For the benefit of the City, the Developer shall have submitted an Architectural Review Application along with the fee therefor and preliminary front elev ation for the Project and the Improvements and they shall have been accepted by the City, and the City shall have issued (or shall be committed to issue, subject to payment of fees at Close of Escrow through Escrow) all permits necessary to construct the I mprovements. 2.4.5 For the benefit of the City, the Developer shall have delivered to the City Manager, and the City Manager shall have reasonably approved, a comprehensive line item schedule of sources and uses of funds for the Project and the Imp rovements. 2.4.6 For the benefit of City, Developer shall have provided to City Manager reasonable evidence of the availability of all equity funds which, in addition to the proceeds of the Construction Loan, will be necessary to pay the costs of the Improvements. 2.4.7 For the benefit of the City, it shall have received a commitment (in form and substance acceptable to City, from each of the makers of the construction loans necessary to finance the construction of the Improvements (collective ly, the “Construction Loans”). 2.4.8 For the benefit of the City, the representations and warranties of the Developer contained in this Agreement shall be true and correct in all material respects as of the Close of Escrow. 2.4.9 For the benefit of the Developer, Title Company shall be irrevocably committed to issuing in favor of the Developer the Title Policy, in form and substance, and with endorsements reasonably acceptable to the Developer, as provided in Section 2.5.3. DRAFT FOR DISCUSSION - C36510 -8- P6401-0001\2274989v4.doc 2.4.10 For the benefit of the City, Developer shall have delivered to the City Manager a list of individuals who are anticipated to become the Owners, or a sales program that describes the process the Developer will implement to select and qualify the Qualified Households. 2.5 Condition of Title; Survey; Title Insurance. 2.5.1 As soon as reasonably practicable after the parties’ full execution of this Agreement, the City shall deliver to the Developer’s primary contact, Emilia Mojica via email at Emilia.Mojica@cvhc.org for the Developer’s review and approval: a current preliminary title report covering the Property (the “Title Report”) with hyperlinks to any recorded instruments noted as exceptions thereon. The Developer at its sole expense may obtain an ALTA survey of the Property (“Survey”) in connection with the issuance of the Title Policy. Any current or updated survey of the Property undertaken by the Developer shall be prepared by a registered surveyor and shall be completed within thirty (30) days following the Developer’s receipt of the Title Report. 2.5.2 The Developer shall have twenty (20) working days after the date of the Developer’s receipt of the Title Report and the Survey (if the Developer obtains a Survey as described in Section 2.5.1) (the “Review Period”) to disapprove any exceptions to title shown on the Title Report or reflected on the Survey (collectively, “Disapproved Exceptions”) and to provide City with notice thereof describing the defect with reasonable particularity (the “Disapproval Notice”). Any exceptions to title not disapproved within the Review Period shall be deemed approved. Within ten (10) days after the City’s receipt of the Disapproval Notice, the City shall notify the Developer whether or not the City intends to remove the Disapproved Exceptions. The City shall be under no obligation to remove any Disapproved Exception, but the City agrees to cooperate in good faith with the Developer in the Developer’s efforts to eliminate any Disapproved Exception, provided the City is not obligated to pay any sum or assume any liability in connection with the elimination of any such Disapproved Exception. If the City notifies the Developer that the City intends to eliminate any Disapproved Exception, the City shall do so at least five (5) days prior to the Close of Escrow. If the City notifies the Developer that the City does not intend to eliminate any Disapproved Exception(s), the Developer, by notifying the City within five (5) days after its receipt of such notice, may elect to terminate this Agreement or take the Property subject to the Disapproved Exception(s). Notwithstanding the foregoing, the City covenants to pay in full all loans secured by deeds of trust, any mechanics’ and materialmen’s liens, and any other monetary liens (other than liens for charges, assessments, taxes, and impositions subject to proration as provided in Section 2.6.2) (collectively, the “Deemed Disapproved Exceptions”) prior to, or concurrently with, the Close of Escrow. The Title Policy shall includ e, at Developer’s cost, such endorsements as the Developer shall reasonably request. Any endorsements to the Title Policy are to be paid for by the Developer. Notwithstanding the foregoing, the Developer may notify the City of its disapproval of an exception to title (including exceptions reflected on the Survey) first raised by Title Company or the surveyor after the Review Period, or otherwise first disclosed to the Developer after the Review Period, by the earlier of (a) within ten (10) days after the same was first raised or disclosed to the Developer in writing, and (b) fifteen (15) days prior to the Close of Escrow. With respect to any exceptions disapproved by the Developer in such notice, the City shall have the same option to eliminate such exceptions that applies to Disapproved Exceptions, and the Developer shall have the same option to accept title subject to such exceptions or to terminate this Agreement. At the Close of Escrow, the Developer shall receive title to the DRAFT FOR DISCUSSION - C36510 -9- P6401-0001\2274989v4.doc Property by grant deed substantially in the form attached hereto as Exhibit E and incorporated herein by this reference (the “Grant Deed”). 2.5.3 At Closing, the Developer shall receive a CLTA Owner’s Standard Coverage Policy of Title Insurance (the “Title Policy”), togethe r with all endorsements requested by the Developer, issued by First American Title Insurance Company (“Title Company”) in an amount to be designated by the Developer, insuring that title to the Property is free and clear of all Disapproved Exceptions, all Deemed Disapproved Exceptions and all liens, easements, covenants, conditions, restrictions, and other encumbrances of record except (a) current taxes and assessments of record, but not any overdue or delinquent taxes or assessments, (b) the matters set forth or referenced in the Grant Deed, the AHRA, and the Deed of Trust, and (c) such other encumbrances as the Developer approves in writing including those reflected in the Title Report for the Property approved by Developer, or as are deemed approved by D eveloper as provided in Section 2.5.2. The Developer may obtain an extended coverage policy of title insurance at its own cost. 2.6 Escrow and Title Charges; Prorations. 2.6.1 The Developer shall be solely responsible for and shall pay all document ary transfer taxes, and the costs of: (i) any Survey obtained by the Developer, (ii) all title insurance premiums for the Title Policy, (iii) any endorsements to the Title Policy, and (iv) all other usual and customary costs, expense and charges relating to the escrow and conveyance of title to the Property, including without limitation, recording fees, document preparation charges and escrow fees. Each party shall be responsible for its own Transaction Costs. 2.6.2 Property taxes shall not be prorated as City is exempt from property taxes; however, City will cooperate with Developer after the closing, if necessary, in connection with any tax refunds or adjustments sought by Developer from the County assessor. All non-delinquent and current assessments shall be pro -rated as of the Close of Escrow based on the actual current statements or tax bills, if any. The provisions of this Section 2.6.2 shall survive the Close of Escrow and the recordation of the Grant Deed and shall not be deemed merged into the Grant Deed upon its recordation. 2.7 Due Diligence Period; Access. 2.7.1 During the period (the “Due Diligence Period”) commencing on the Effective Date and ending at 5:00 p.m. on the date which is one hundred and twenty (120) days thereafter, the Developer may inspect the Property as necessary to (i) approve all zoning and land use matters relating to the Property, and (ii) approve the physical condition of the Property. Subject to the terms of the Right of Entry and Access Agreement in the fo rm of which is attached hereto as Exhibit “C” (the “Right of Entry Agreement”), the Developer and its agents shall have the right to enter upon the Property during the Due Diligence Period to make inspections and other examinations of the Property and the improvements thereon, including without limitation, the right to perform surveys, soil and geological tests of the Property and the right to perform environmental site assessments and studies of the Property. Prior to the Developer’s entry upon the Property, the parties shall execute and deliver the Right of Entry Agreement. The City shall reasonably cooperate with the Developer in its conduct of the due diligence review during the Due Diligence DRAFT FOR DISCUSSION - C36510 -10- P6401-0001\2274989v4.doc Period. In the event the Developer does not approve of the condition of the Property by written notice to the City prior to the expiration of the Due Diligence Period, this Agreement shall terminate, and, except as otherwise expressly stated in this Agreement, neither party shall have any further rights or obligat ions to the other party. 2.7.2 The City has delivered to the Developer copies of those certain documents related to the Property which are listed in Exhibit “H” attached hereto (collectively, the “Property Documents”). In addition, prior to the end of the Due Diligence Period, the Developer may, upon five (5) business days’ notice to the City, review any additional documents relating to the Property at the City’s offices. The City does not expressly or impliedly represent or warrant that the contents of the Property Documents are complete or accurate. 2.8 Condition of the Property. The Property shall be conveyed from the City to the Developer on an “AS IS” condition and basis with all faults and without representation or warranty, express or implied, and the Developer agrees that the City has no obligation to make modifications, replacements or improvements thereto. Except as expressly and specifically provided in this Agreement, the Developer and anyone claiming by, through or under the Developer hereby waives its right to recover from and fully and irrevocably releases the City and the City, and their respective council members, board members, officers, directors, employees, representatives, agents, advisors, servants, independent contractors, att orneys, successors and assigns, and all persons, firms, corporations and organizations acting on the City’s or City’s behalf (collectively, the “Released Parties”) from any and all claims, responsibility and/or liability that the Developer may now have or hereafter acquire against any of the Released Parties for any claims, costs, losses, liabilities, damages, expenses, demand, action or causes of action arising from or related to the condition of or title to the Property. This release includes claims of w hich the Developer is presently unaware or which the Developer does not presently suspect to exist which, if known by the Developer, would materially affect the Developer’s release of the Released Parties. If the Property is not in a condition suitable fo r the intended use or uses, then it is the sole responsibility and obligation of the Developer to take such action as may be necessary to place the Property in a condition suitable for development of the Project thereon. Except as specifically provided in this Agreement and without limiting the generality of the foregoing, THE CITY MAKES NO REPRESENTATION OR WARRANTY AS TO (i) THE VALUE OF THE PROPERTY; (ii) THE INCOME TO BE DERIVED FROM THE PROPERTY; (iii) THE HABITABILITY, MARKETABILITY, PROFITABILITY, MERCHANTABILITY OR FITNESS FOR PARTICULAR USE OF THE PROPERTY; (iv) THE MANNER, QUALITY, STATE OF REPAIR OR CONDITION OF THE PROPERTY; (v) THE COMPLIANCE OF OR BY THE PROPERTY OR ITS OPERATION WITH ANY LAWS, RULES, ORDINANCES OR REGULATIONS OF ANY APPLICABLE GOVERNMENTAL AUTHORITY OR BODY; (vi) COMPLIANCE WITH ANY ENVIRONMENTAL PROTECTION OR POLLUTION LAWS, RULES, REGULATIONS, ORDERS OR REQUIREMENTS; (vii) THE PRESENCE OR ABSENCE OF HAZARDOUS MATERIALS AT, ON, UNDER OR ADJACENT TO THE PROPERTY; (viii) THE FACT THAT ALL OR A PORTION OF THE PROPERTY MAY BE LOCATED ON OR NEAR AN EARTHQUAKE FAULT LINE; OR (ix) WITH RESPECT TO ANY OTHER MATTER, THE DEVELOPER FURTHER ACKNOWLEDGES AND AGREES THAT HAVING BEEN GIVEN THE OPPORTUNITY TO INSPECT THE PROPERTY AND REVIEW INFORMATION AND DOCUMENTATION AFFECTING THE PROPERTY, THE DEVELOPER IS RELYING SOLELY ON ITS OWN INVESTIGATION OF THE PROPERTY DRAFT FOR DISCUSSION - C36510 -11- P6401-0001\2274989v4.doc AND REVIEW OF SUCH INFORMATION AND DOCUMENTATION AND NOT ON ANY INFORMATION PROVIDED OR TO BE PROVIDED BY THE CITY. THE DEVELOPER HEREBY ACKNOWLEDGES THAT IT HAS READ AND IS FAMILIAR WITH THE PROVISIONS OF CALIFORNIA CIVIL CODE SECTION 1542, WHICH IS SET FORTH BELOW: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.” BY INITIALING BELOW, DEVELOPER HEREBY WAIVES THE PROVISIONS OF SECTION 1542 SOLELY IN CONNECTION WITH THE MATTERS WHICH ARE THE SUBJECT OF THE FOREGOING WAIVERS AND RELEASES. Developer’s Initials______________ The waivers and releases by the Developer herein contained shall survive the Close of Escrow and the recordation of the Grant Deed and shall not be deemed merged int o the Grant Deed upon its recordation. 2.9 Escrow Holder. 2.9.1 Escrow Holder is authorized and instructed to: (a) Pay and charge the Developer for any charges payable by the Developer under this Article. Before such payments are made, the Escrow Holder shall notify the City and the Developer of the fees, charges, and costs necessary to close the Escrow; (b) Pay and charge the City for any charges payable by the City under this Article. Before such payments are made, the Escrow Holder shall notify the City and the Developer of the fees, charges, and costs necessary to close the Escrow; (c) Disburse funds and deliver the Grant Deed and other documents to the parties entitled thereto when the conditions o f the Escrow and this Agreement have been fulfilled by the City and the Developer; and (d) Record the Grant Deed, the AHRA, Deed of Trust, Notice and any other instruments delivered through the Escrow, if necessary or proper, to vest title in the Developer in accordance with the terms and provisions of this Agreement. 2.9.2 Any amendment of these escrow instructions shall be in writing and signed by both the City and the Developer; provided, that each of the City and Developer may provide supplemental escrow instructions consistent herewith. DRAFT FOR DISCUSSION - C36510 -12- P6401-0001\2274989v4.doc 2.9.3 All communications from the Escrow Holder to the City or the Developer shall be directed to the addresses and in the manner established in Section 8.1 of this Agreement for notices, dema nds and communications between the City and the Developer. 2.9.4 The responsibility of the Escrow Holder under this Agreement is limited to performance of the obligations imposed upon it under this Article, and any amendments hereto. ARTICLE 3. DEVELOPMENT OF THE PROPERTY 3.1 Schedule of Performance and Scope of Development . 3.1.1 The Developer shall, subject to extension of construction-related deadlines for force majeure delays as provided in Section 6.7 below, comply with the Schedule o f Performance attached as Exhibit “B”. The Developer shall undertake and complete its obligations described in the Scope of Development attached hereto as Exhibit “D” and Section 3.1.2 (“Improvements”). Developer shall cause at least forty percent (40%) of the labor for the construction of each Unit to be provided by the buyer of the Unit, and shall require that no fewer than 500 hours of construction work be performed by the buyers of the Units (“Buyers”). 3.1.2 The Improvements shall include all public infrastructure improvements associated with the lots and all submittals and approvals as provided in the City’s Community Development Department’s development and permit review procedures for residential projects as identified in the Architectural Review Application for the Project and the Improvements. The Developer shall also comply with any and all applicable federal, state and local laws, rules and regulations, and any applicable mitigation measures adopted pursuant to the California Environmental Quality Act. 3.2 Cost of Construction. The cost of constructing the Improvements, together with all related improvements, as set forth in the Scope of Development or otherwise required by the City, City Engineer, or City Planner, shall be borne solely by the Developer, or its successor and assigns. The parties hereby acknowledge and agree that any increase in costs above the amounts projected or assumed by Developer, or decreases in revenues below the amounts projected or assumed by Developer, shall be at the sole financial risk of Developer, or its successors and assigns. 3.3 Further Development Matters. The Developer understands and agrees that as a condition of the conveyance of the Property the Developer shall develop, or cause to be developed, single-family residences in accordance with the Scope of Developme nt. The Developer shall endeavor to install as many features set forth in the Scope of Development as reasonably possible; however, any alternative features and/or products may be proposed that will provide more effective features or better performance or cost savings. All such alternative features and/or products shall be subject to the prior approval of the City which shall not be unreasonably withheld or delayed. The Scope of Development may be revised from time to time as necessary and if mutually ag reed upon in writing between Developer and City. 3.4 Progress of Construction. During construction of the Improvements on the Property, the Developer shall submit to the City within fifteen (15) working days following each request of the City therefore (which requests shall be submitted no more frequently than monthly), DRAFT FOR DISCUSSION - C36510 -13- P6401-0001\2274989v4.doc a written report of the progress to date of the construction. The report shall be in such form and detail as to reasonably inform the City of the status of construction to date, and shall include a reasonable number of photographs (if so requested by the City) taken since the last report by the Developer. 3.5 Rights of Access. In addition to those rights of access to and across the Property to which the City may be entitled by law, and as additionally provided in the Scope of Development, members of the staff of the City shall have a reasonable right of access to the Property, without charge or fee, at any reasonable time upon reasonable notice, to inspect the work being performed at the Property. 3.6 Local, State and Federal Laws. The Developer shall carry out the construction of the Improvements in conformity with all applicable laws, including all applicable federal, state and local occupation, safety and health laws, rules, regulations and standards. The Developer agrees to indemnify, defend and hold the City harmless from and against any cost, expense, claim, charge or liability relating to or arising directly or indirectly from any breach by or failure of the Developer or its contractor(s) or agents to comply with laws, rules or regulations. The indemnification obligations described in this Section shall survive the termination of this Agreement and the recordation of the Grant Deed and shall not be deemed merged into the Grant Deed upon its recordation. 3.7 Nondiscrimination During Construction. Developer for itself and its successors and assigns agrees that in the construction of the improvements on the Property provided for in this Agreement: 3.7.1 Developer will not discriminate against any employee, contractors, subcontractors, program participants or applicant for employment because of race, color, religion, creed, national origin, ancestry, age, marital status, sex or sexual orientation. Developer will take reasonable action to ensure that applicants are employed, and that employees are treated during employment without regard to their race, color, religion, creed, national origin, ancestry, physical handicap, medical condition, age, marital status, sex or sexual orientat ion. Such action shall include, but not be limited to, the following: employment, upgrading, demotion, or transfer; recruitment or recruitment advertising, layoff or termination; rates of pay or other forms of compensation; and selection for training, including apprenticeship. Developer agrees to post in conspicuous places, available to employees, contractors, subcontractors, program participants and applicants for employment, notices setting forth the provisions of this nondiscrimination clause. 3.7.2 Developer will, in all solicitations or advertisements for employees placed by or on behalf of Developer, state that all qualified applicants will receive consideration for employment without regard to race, color, religion, creed, national origin, a ncestry, disability, age, marital status, sex or sexual orientation. 3.7.3 Developer will cause the foregoing provisions to be inserted in all contracts for any work covered by this Agreement so that such provisions will be binding upon each contractor and subcontractor, provided that the foregoing provisions shall not apply to contracts or subcontracts for standard commercial supplies or raw materials. Developer shall allow representatives of City access to its employment records related to this Ag reement during regular DRAFT FOR DISCUSSION - C36510 -14- P6401-0001\2274989v4.doc business hours to verify compliance with these provisions when so requested by City upon reasonable notice. 3.8 Zoning and Land Use Requirements; Environmental Review. 3.8.1 Developer will attend all proceedings which may be necessary so that the development and use of the Property shall be in conformity with applicable zoning and general plan requirements of the City. 3.8.2 Developer shall take all necessary steps so that the development and use of the Property shall be in conformity with applicable zoning and general plan requirements, including the conditions of approval of any required land use entitlements, and that all applicable environmental mitigation measures and other requirements shall have been complied with. 3.9 No Authority Created. In performing this Agreement, the Developer is an independent contractor and not the agent of the City. The City is not an agent of the Developer. The City shall not have any responsibility whatsoever for payment to any contractor or supplier of the Developer. 3.10 Certificate of Completion. 3.10.1 After (i) the Developer’s completion of the Improvements, and (ii) the City’s issuance of a Notice of Action pursuant to the Architectural Review Application and Residential Building Construction Plan approval from the City’s Building and Safety Department, the City shall furnish the Developer with a Certificate of Completion under this Section 3.10.1 within thirty (30) days after such written request. The Certifica te of Completion shall be in the form attached hereto as Exhibit “I”. 3.10.2 If the City refuses or fails within thirty (30) days after receipt of a written request from the Developer to issue the Certificate of Completion, the City shall provide the Developer with a written statement of the reasons the City refused or failed to furnish a Certificate of Completion. The statement shall also specify the actions the Developer must take to obtain a Certificate of Completion. If the reason for such refusal is confined to the immediate availability of specific items or material for landscaping or any other non-structural matters, and the costs of completion does not exceed Ten Thousand Dollars ($10,000), the City shall issue its Certificate of Completion upon the Developer’s depositing with the City cash or an irrevocable standby letter of credit issued by a bank or other financial institution acceptable to the City in an amount equal to the fair value of the work not yet completed as determined by the City. The determination of fair value shall be made by the City in the exercise of its reasonable judgment. 3.10.3 The Certificate of Completion shall not constitute evidence of compliance with or satisfaction of any obligation of the Developer to any holder of a mortgage, trust deed or other security instrument. Such Certificate of Completion shall not be construed as a notice of completion as described in California Civil Code Section 3093. DRAFT FOR DISCUSSION - C36510 -15- P6401-0001\2274989v4.doc ARTICLE 4. LIMITATIONS ON TRANSFERS AND SECURITY INTERESTS 4.1 Limitation As To Transfer of the Property and Assignment of Agreement . 4.1.1 Prior to issuance of the Certificate of Completion, the Developer shall not sell, lease, assign, transfer, mortgage (other than as evidenced by the Deed of Trust), hypothec ate, or convey (collectively, a “Transfer”) the Property or any part thereof. Except as otherwise expressly provided herein, the Developer shall not assign this Agreement or any of the Developer’s rights or obligations hereunder, without the City’s prior written consent, in the City’s reasonable discretion. The Developer acknowledges that the identity of the Developer is of particular concern to the City, and it is because of the Developer’s identity that the City has entered into this Agreement with the Developer. Except for any Transfer permitted pursuant to this Section 4.1, and except for any lender of record holding any mortgage, deed of trust or other security interest contemplated or permitted by this Agreement (“Holder”) that has taken possession of the Property, no voluntary or involuntary successor in interest of the Developer shall acquire any rights or powers under this Agreement. No transfer or assignment of the Developer’s interest hereunder without the City’s prior written approval shall be deemed to release the Developer from the obligations of the Developer hereunder. 4.2 Rights of Holders. The City shall deliver a copy of any notice or demand to the Developer concerning any breach or default by the Developer under this Agreement to each Holder who has previously made a written request to the City for special notice hereunder. Any notice of breach or default by the Developer shall not be effective against any such Holder unless given to such Holder. Such Holder shall have the right at its option to cure or remedy any such default and to add the cost thereof to the secured debt and the lien of its security interest. If such breach or default can only be remedied or cured by such Holder upon obtaining possession, such Holder may remedy or cure such breach or default within a reasonable period of time after obtaining possession, provided such Holder seeks possession with diligence through a receiver or foreclosure. Such Holder shall not be permitted to undertake or continue the construction or completion of the Improvements beyond the extent necessary to conserve or complete the Improvements. 4.3 Noninterference with Holders. The provisions of this Agreement do not limit the right of Holders to foreclose or otherwise enforce any mortgage, d eed of trust, or other security instrument encumbering all or any portion of the Property, and the Improvements thereon, or to pursue any remedies for the enforcement of any pledge or lien encumbering such portions of the Property. In the event of a forec losure sale under any such mortgage, deed of trust or other lien or encumbrance, or sale pursuant to any power of sale contained in any such mortgage or deed of trust, the purchaser or purchasers and their successors and assigns, and such portions of the Property shall be, and shall continue to be, subject to all of the conditions, restrictions and covenants of all documents and instruments recorded pursuant to this Agreement, including, without limitation, the restrictions set forth in the Grant Deed, Deed of Trust and the AHRA. The City agrees to execute such further documentation regarding the rights of any Holder as is customary with respect to construction or permanent financing, as the case may be, to the extent that such documentation is reasonably requested by any Holder and is reasonably approved by the City. DRAFT FOR DISCUSSION - C36510 -16- P6401-0001\2274989v4.doc ARTICLE 5. USE OF THE PROPERTY 5.1 Use of Property. Developer shall develop the Property and any portion thereof only for the purposes described in the Scope of Development, and for no other purposes. Developer covenants and agrees for itself and its successors and assigns, and every successor in interest to the Property, or any portion thereof, that during construction of the Improvements and thereafter, Developer and such successors and assigns shall use the Property exclusively for the purposes herein stated and shall not devote the Property to any uses which are inconsistent with this Agreement, the AHRA or applicable City land use entitlements. Leasing of the Property or the Improvements is expressly prohibited. 5.1.1 After the issuance of the Certificate of Completion, Developer shall not make or permit to be made any substantial structural additions or modifications to the exterior of the Improvements, or permit a use other than as set forth herein, without the prior written consent of City. 5.2 Use and Operation Covenants. Developer hereby covenants and agrees to use and operate the Property in conformity with the Municipal Code, and the affordability covenants contained in the AHRA. 5.3 Sale of Property. 5.3.1 Developer Covenants. Developer shall cause at least forty percent (40%) of the labor for the construction of each Unit to be provided by the buyer of each lot, and shall require that such buyers perform no fe wer than 500 hours of construction work with respect to each Unit. Developer agrees to sell lots within the Property and upon which the Units shall be constructed (the “Lots”) only to Qualified Households and in accordance with this Section 5.3; and the Lots shall be sold to Qualified Households on or before the date set forth in the Schedule of Performance. The Developer shall remain available to each Qualified Household who buys a Lot for at least one (1) year after the City’s issuance of a Certificate of Occupancy with respect to the Unit constructed on the Lot, to answer questions that the Qualified Household may have about the Purchaser’s Restrictive Agreement that each Qualified Household must sign and return when it purchases a Lot. 5.3.2 Income of Buyer. Prior to the sale of the Lot, the Developer shall comply with all requirements of the City related to qualifying buyers, including verifying the buyer’s income and obtaining certifications that the buyer continues to be a Qualified Household . 5.3.3 Limitation on Sales Price. Developer shall sell each Unit at a price that does not exceed an Affordable Housing Cost as defined in the AHRA. 5.3.4 City Buyer Assistance. The City may (at its option and in the exercise of its sole discretion) provide financial assistance to a Qualified Household in compliance with any City first time homebuyer affordable housing program. DRAFT FOR DISCUSSION - C36510 -17- P6401-0001\2274989v4.doc 5.4 Maintenance of the Property. From and after the Close of Escrow to the date of its sale as provided herein, De veloper shall reasonably maintain the Property and shall keep the Property free from any accumulation of debris or waste materials. 5.5 Effect and Duration of Covenants. The covenants of Developer set forth in this Agreement, shall, without regard to technical classification or designation, be binding on Developer and any successor in interest to the Property, or any part thereof, for the benefit and in favor of City, its successors and assigns, and the City. Except as otherwise set forth in this Agreement, the covenants contained in this Agreement shall remain in effect from the Effective Date to the date of the City’s issuance of a Certificate of Occupancy with respect to all of the Units. The covenants against discrimination (as described in Section 5.7) shall remain in perpetuity. 5.6 Obligation to Refrain from Discrimination. The Developer covenants and agrees for itself and its successors and assigns, and for every successor in interest to the Property, or any part thereof, and their rights under this Agreement, that there shall be no discrimination against or segregation of any person, or group of persons, on account of sex, marital status, age, handicap, race, color, religion, creed, national origin or ancestry in the sale, lease, sublease, transfe r, use, occupancy, tenure or enjoyment of the Property, and the Developer (itself or any person claiming under or through the Developer) shall not establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, subleases, or vendors of the Property or any portion thereof. This provision, which is required by law, shall not be construed as permitting the leasing of the Property. 5.7 Form of Nondiscrimination and Nonsegregation Clauses. All deeds or contracts for sale shall contain the following nondiscrimination or nonsegregation clauses: 5.7.1 In deeds: “The grantee herein covenants by and for himself or herself, his or her heirs, executors, administrators and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of, any person or group of persons on account of any basis listed in subdivision (a) or (d) of Sectio n 12955 of the California Government Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the California Government Code, in the sale, transfer, use, occupancy, tenure or enjoyment of the premises herein conveyed, nor shall the Grantee himself or herself, or any person claiming under or through him or her, establish or permit any practice or practices of discrimination or segregation with reference to the s election, location, number, use or occupancy of vendees in the premises herein conveyed. The foregoing covenants shall run with the land. Notwithstanding the immediately preceding paragraph, with respect to familial status, said paragraph shall not be construed to apply to housing for older persons, as defined in Section 12955.9 of the California Government Code. With respect to familial status, nothing in said paragraph shall be construed to affect Sections 51.2, 51.3, 51.4, 51.10, 51.11, and 799.5 of the California Civil Code, relating to housing for senior citizens. Subdivision (d) of Section 51 and Section 1360 of the California Civil Code and subdivisions (n), (o) and (p) of Section 12955 of the California Government Code shall apply to said paragrap h.” DRAFT FOR DISCUSSION - C36510 -18- P6401-0001\2274989v4.doc 5.7.2 In contracts: “The contracting party or parties hereby covenant by and for himself or herself and their respective successors and assigns, that there shall be no discrimination against or segregation of any person or group of persons, on account of any basis listed in subdivision (a) or (d) of Section 12955 of the California Government Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of t he California Government Code, in the sale, transfer, use, occupancy, tenure or enjoyment of the premises, nor shall the contracting party or parties, any subcontracting party or parties, or their respective assigns or transferees, establish or permit any such practice or practices of discrimination or segregation. Notwithstanding the immediately preceding paragraph, with respect to familial status, said paragraph shall not be construed to apply to housing for older persons, as defined in Section 12955.9 of the California Government Code. With respect to familial st atus, nothing in said paragraph shall be construed to affect Sections 51.2, 51.3, 51.4, 51.10, 51.11, and 799.5 of the California Civil Code, relating to housing for senior citizens. Subdivision (d) of Section 51 and Section 1360 of the California Civil Code and subdivisions (n), (o) and (p) of Section 12955 of the California Government Code shall apply to said paragraph.” The foregoing provisions, which are required by law, shall not be construed to permit the leasing of the Property or the Improvements. ARTICLE 6. EVENTS OF DEFAULT, REMEDIES AND TERMINATION 6.1 Developer Events of Defaults. Occurrence of any or all of the following shall constitute a default (“Default”) under this Agreement: 6.1.1 The Developer’s failure to commence or complet e construction of the Improvements in compliance with and as required by this Agreement, and the failure of Developer to cure such breach within thirty (30) days after the City has given written notice to the defaulting party; provided, however, if such br each is not reasonably curable within such thirty (30) day period, then Developer shall be deemed in Default only if the Developer does not commence to cure such breach within such thirty (30) day period and thereafter fails to diligently prosecute such beach to completion; 6.1.2 Any breach of this Agreement by any party involving the payment of money, and the continuance of such breach for a period of thirty (30) days after the non-defaulting party has given written notice to the defaulting party; 6.1.3 A breach of any term of this Agreement by any party not involving the payment of money and failure of such party to cure such breach within thirty (30) days after the non-defaulting party has given written notice to the defaulting party; provid ed, however, if such breach is not reasonably curable within such thirty (30) day period, then such party shall be deemed in Default only if such party does not commence to cure such breach within such thirty (30) day period and thereafter fails to diligently prosecute such breach to completion; 6.1.4 The Transfer of the Property, or any part thereof or interest therein, or any rights or obligations of the Developer under this Agreement, in violation of the terms hereof, or DRAFT FOR DISCUSSION - C36510 -19- P6401-0001\2274989v4.doc Developer’s failure to sell the Property and Improvements to Qualified Households in compliance with the AHRA; 6.1.5 The Developer’s failure or refusal to keep in force and effect any permit or approval with respect to construction of the Improvements, and the Developer’s fa ilure to cure such breach within thirty (30) calendar days after notice from the City of the Developer’s breach; provided, however, if such breach is not reasonably curable within such thirty (30) day period, then the Developer shall be deemed in Default o nly if the Developer does not commence to cure such breach within such thirty (30) day period and thereafter fails to diligently prosecute such breach to completion; 6.1.6 Filing of a petition in bankruptcy by or against any party or appointment of a receiver or trustee of any property of any party, or an assignment by any party for the benefit of creditors, or adjudication that such party is insolvent by a court, and the failure of such party to cause such petition, appointment, or assignment to be removed or discharged within ninety (90) days. 6.1.7 The Developer’s failure to keep and maintain the Property and the Improvements in good condition and repair as required by this Agreement, including but not limited to all front and back yard landscaping, connections to utilities (natural gas, water, electric), and overall maintenance, prior to sale of the Property to Buyers and the Developer’s failure to cure such breach within thirty (30) days after notice from the City of Developer’s breach; the City shall have a right to enter onto the property and perform such deferred maintenance, and the Developer shall promptly reimburse the City for all costs incurred by the City in performing such maintenance. 6.2 Remedies in the Event of Default . 6.2.1 Remedies Prior to the Close of Escrow. In the event of a Default by any party prior to the Close of Escrow, the non-defaulting party shall have the right to terminate this Agreement provided it is not in breach of its obligation under this Agreeme nt, by delivering written notice thereof to the defaulting party and to Escrow Holder, subject to the rights of the defaulting party to cure such Default as provided in Section 6.1. Such party may seek against the defaulting party any available remedies at law or equity, including but not limited to, the right to receive damages or to pursue an action for specific performance. 6.2.2 Remedies for Default After the Close of Escrow. In the event of a Default by any party after the Close of Escrow, subject to the rights of the defaulting party to cure such default as provided in Section 6.1, the non-defaulting party may seek against the defaulting party any available remedies at law or equity, including but not limited to the right to receive reimbursement for its documented out-of-pocket costs related to this transaction or to pursue and action for a specific performance, but in no event shall such non-defaulting party be entitled to receive consequential or special damages, as applicable. 6.2.3 Special Remedy for Default by Developer. In addition to the provisions of Section 6.2.2, in the event of a Default by Developer as described in Section 6.1.1, the City in the exercise of its sole discretion, may terminate this Agreement and re -enter and take possession of DRAFT FOR DISCUSSION - C36510 -20- P6401-0001\2274989v4.doc the Property, with all Improvements thereon, and revest in the City title to the Property theretofore conveyed to the Developer (or its successors in interest), other than any portion of the Property which has been transferred to a Buyer, and take any and all actions necessary to commence and complete the enforcement of its reversionary interest, and in such event the Developer agrees promptly to take all actions and to execute all documents necessary to revert title to the Property to the City free and clear of all liens and encumbrances created by or with the consent of Developer. The foregoing right of reverter shall automatically terminate as to a Lot upon the transfer of such Lot to a Qualified Household. 6.3 Liberal Construction. The rights established in this Agreement are to be interpreted in light of the fact that the City will convey the Property to the Developer for development of the Improvements thereon and their sale to Qualified Households and not for speculation in undevelo ped land or for construction of different improvements. The Developer acknowledges that it is of the essence of this Agreement that the Developer is obligated to complete all Improvements. 6.4 No Personal Liability. No representative, agent, attorney, co nsultant, officer, member, partner or employee of the City shall personally be liable to the Developer or any successor in interest thereof, in the event of any Default or breach by such party, or for any amount which may become due to such party or any successor in interest, on any obligation under the terms of this Agreement. 6.5 Rights and Remedies are Cumulative. The rights and remedies of the parties are cumulative, and the exercise by either party of one or more of such rights or remedies shall not preclude the exercise by it, at the same time or different times, of any other rights or remedies for the same default or any other default by any other party. Upon the occurrence of an event of default, except as to rights and remedies expressly declared to be exclusive in this Agreement, the injured party shall have all rights and remedies against the defaulting party as may be available at law or in equity, or as provided in the Deed of Trust or AHRA, to cure, correct or remedy any event of default, to o btain specific performance, to recover damages, or to obtain any other remedy consistent with the purpose of this Agreement. 6.6 Inaction Not a Waiver of Default . Any failures or delays by either party in asserting any of its rights and remedies as to any default shall not operate as a waiver of any default or of any such rights or remedies, or deprive either such party of its rights to institute and maintain any actions or proceedings which it may deem necessary to protect, assert or enforce any such rights or remedies. The acceptance by a party of less than the full amount due from the other party shall not constitute a waiver of such party’s right to demand and receive the full amount due, unless such party executes a specific accord and satisfaction. 6.7 Force Majeure. Notwithstanding anything to the contrary in this Agreement, Developers failure to commence or complete the Improvements as required by this Agreement, the Scope of Development, and Schedule of Performance shall be a breach hereof; provid ed, however, such nonperformance shall be excused when performance is prevented or delayed by reason of any of the following forces reasonably beyond the control of such party (a “Force Majeure Delay”): (i) civil disturbance, future order claiming jurisdiction, act of the public enemy, war, riot, sabotage, blockade, embargo, (ii) any delay or failure to perform attributable to any DRAFT FOR DISCUSSION - C36510 -21- P6401-0001\2274989v4.doc strike, lockout or other labor or industrial disturbance (whether or not on the part of the employees of either party hereto), or the unusual inability to secure customary materials, equipment, supplies or labor through ordinary sources, but only to the extent that any such delay referred to in this clause (ii) is an actual, industry wide condition affecting substantially all simi lar works of construction in the Coachella Valley, California, area; (iii) delay attributable to the failure of the Developer to secure plan checks, building permits, and other governmental permits or approvals (including any failure to obtain a temporary certificate of occupancy) within a reasonable period of time, where such delay is not due to any fault of the Developer; or (iv) delay attributable to severe weather, lightning, earthquake, fire, storm, hurricane, tornado, flood, washout, explosion, or any other similar cause (other than the availability of financing) beyond the reasonable control of the Developer, or any of its contractors or other representatives. Any prevention, delay or stoppage due to any Force Majeure Delay shall excuse the performance of the Developer for a period of time equal to any such prevention, delay or stoppage (except the obligations with respect to the payment of money or to close Escrow). ARTICLE 7. INSURANCE; INDEMNITY 7.1 Insurance. 7.1.1 Before commencement of any demolition or construction work by the Developer on any portion of the Property, the Developer shall obtain and maintain at no cost or expense to the City, with a reputable and financially responsible insurance company reasonably acceptable to the City, commercial broad form general public liability insurance, insuring against claims and liability for bodily injury, death, or property damage arising from the construction, use, occupancy, condition, or operation of the Property, which insurance shall provide combined single limit protection of at least $1,000,000.00 per occurrence and $2,000,000.00 in aggregate. Such insurance policy shall name the Released Parties as additional insureds. 7.1.2 Before commencement of any demolition or construct ion work by the Developer on any portion of the Property, the Developer shall obtain and maintain at no cost or expense to the City, with a reputable and financially responsible insurance company reasonably acceptable to the City, a policy of business auto mobile liability insurance written on a per occurrence basis with a single limit liability in the amount of $1,000,000 bodily injury and property damage. Said policy shall include coverage for owned, non-owned, leased and hired cars. 7.1.3 Before commencement of any demolition or construction work by the Developer on any portion of the Property, the Developer shall obtain and maintain in force until completion of such work (i) “all risk” builder’s risk insurance, including coverage for vandalism and malicious mischief, in a form and amount and with a company reasonably acceptable to the City, and (ii) workers’ compensation insurance covering all persons employed by the Developer in connection with work on the Improvements, or any portion thereof. During the construction of Improvements on any portion of the Property by the Developer, such builder’s risk insurance shall cover improvements in place and all material and equipment at the job site furnished under contract, but shall exclude contractors’, subcontractors’, and construction managers’ tools and equipment and property owned by contractors’ and subcontractors’ employees. DRAFT FOR DISCUSSION - C36510 -22- P6401-0001\2274989v4.doc 7.1.4 The Developer shall also furnish or cause to be furnished to the City evidence satisfactory to the City that any contractor with whom it has contracted for the performance of work on the Property or otherwise pursuant to this Agreement carries workers’ compensation insurance as required by law. 7.1.5 With respect to each policy of insurance required above, the Developer shall furnish to the City a certificate of insurance countersigned by an authorized agent of the insurance carrier on the insurance carrier’s form setting forth the general provisions of the insurance coverage. Unless such certificates are provided to the City at an earlier date, the required certificate shall be provided to the City prior to commencement of any demolition or construction work on the Property. 7.1.6 All such policies required by this Section shall be nonassessable and sha ll contain language to the effect that (i) the policies cannot be canceled or materially changed except after thirty (30) days’ written notice by the insurer to the City, and (ii) the City shall not be liable for any premiums or assessments. All such insurance shall have deductibility limits that shall be commercially reasonable. 7.2 Indemnity. Except for the gross negligence or willful misconduct of the City, the Developer shall indemnify, defend, protect, and hold harmless the Released Parties, from and against all losses, liabilities, claims, damages (including foreseeable or unforeseeable consequential damages), penalties, fines, forfeitures, costs and expenses (including all reasonable out -of-pocket litigation costs and reasonable attorney’s fees) and demands of any nature whatsoever, related directly or indirectly to, or arising out of or in connection with: 7.2.1 the work performed by Developer or its employees, contractors, subcontractors, or independent contractors in development of the Impr ovements on the Property and the use, ownership, management, occupancy, and possession of the Property, 7.2.2 any breach or Default by the Developer under this Agreement, or 7.2.3 any of the Developer’s activities on the Property (or the activities of the Developer’s agents, employees, lessees, representatives, licensees, guests, invitees, contractors, subcontractors, or independent contractors on the Property), regardless of whether such losses and liabilities shall accrue or are discovered before or after termination or expiration of this Agreement, 7.2.4 The presence or clean-up of Hazardous Substances on, in or under the Property which first existed during the period of the Developer’s ownership of the Property, and 7.2.5 Any other fact, circumstance or event related to the Developer’s performance hereunder, or which may arise from the Developer’s ownership, use, possession, operation or disposition of the Property, and the construction and sale of the Improvements, regardless of whether such damages, losses or liabilities shall accrue or be discovered before or after termination or expiration of this Agreement, or before or after the conveyance of the Property. The Developer shall defend, at its expense, including attorneys’ fees, the Released Parties in any legal action based upon such alleged acts or omissions. The City and the City may in their discretion participate in the defense of any such legal action. DRAFT FOR DISCUSSION - C36510 -23- P6401-0001\2274989v4.doc The Developer’s indemnity obligations contained in this Section 7.2 shall survive the termination or expiration of this Agreement and shall not be deemed merged into the Grant Deed on recordation. ARTICLE 8. GENERAL PROVISIONS 8.1 Notices. All notices and demands shall be given in writing by certified mail, postage prepaid, and return receipt requested, or by personal delivery. Notices shall be considered given upon the earlier of (a) one business day following deposit or delivery with a nationally recognized overnight courier delivery charges prepaid, or (b) three (3) business days following after deposit or delivery shown on the return receipt in the United States mail, postage prepaid, certified or registered, return receipt requested. A copy of all notices delivered prior to the Close of Escrow shall be sent to E scrow Holder. Notices shall be addressed as provided below for the respective party; provided that if any party gives notice in writing of a change of name or address, notices to such party shall thereafter be given as demanded in that notice: The City: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: Ryan Stendell, Director of Community Development Tel. No: Email: The Developer: The Coachella Valley Housing Coalition 45-701 Monroe Street, Suite G Indio, CA 92201 Attn: Julie Bornstein Tel. No.: Email: 8.2 Developer’s Warranties. The Developer warrants and represents to the City and the City as follows: 8.2.1 The Developer has full power and authority to execute and enter into this Agreement and to consummate the transactions contemplated hereunder . This Agreement constitutes the valid and binding agreement of the Developer, enforceable in accordance with its terms subject to bankruptcy, insolvency of other creditors’ rights laws of general application. Neither the execution nor delivery of this Agreement, nor the consummation of the transactions covered hereby, nor compliance with the terms and provisions hereof, shall conflict with, or result in a breach of, the terms, conditions or provisions of, or constitute a default under, any agreement or instrument to which the Developer is a party. DRAFT FOR DISCUSSION - C36510 -24- P6401-0001\2274989v4.doc 8.2.2 As of the Close of Escrow, the Developer will have inspected the Property and will be familiar with all aspects of the Property and its condition and will accept such condition. 8.2.3 The Developer has not paid or given, and will not pay or give, to any third person, any money or other consideration for obtaining this Agreement, other than normal costs of conducting business and costs of professional services such as architects, engineers and attorneys. 8.2.4 No commission or fee whatsoever is payable to any person, firm, corporation, partnership or other entity in connection with the transactions contemplated by this Agreement due to the acts of the Developer. The Developer has used no broker, agent, finder or other person in connection with the transaction contemplated hereby to whom a brokerage or other commission or fee may be payable. 8.3 Interpretation. In this Agreement the neuter gender includes the feminine and masculine, and singular number includes the plural, and the words “person” and “party” include corporation, partnership, firm, trust, or association wherever the context so requires. 8.4 Time of the Essence. Time is of the essence of this Agreement. 8.5 Attorneys’ Fees. If any party brings an action to enforce the terms hereof or declare its rights hereunder, the prevailing party in any such action shall be entitled to its reasonable attorneys’ fees to be paid by the losing party as fixed by the court. If the City, or t he Developer, without fault, is made a party to any litigation instituted by or against the other party, such other party shall defend it against and save it harmless from all costs and expenses including reasonable attorney’s fees incurred in connection w ith such litigation. 8.6 Approvals by the City and the Developer. Unless otherwise specifically provided herein, wherever this Agreement requires the City or the Developer to approve any contract, document, plan, proposal, specification, drawing or other matter, such approval shall not unreasonably be withheld, conditioned or delayed. 8.7 Entire Agreement, Waivers and Amendments. This Agreement, together with all attachments and exhibits hereto, constitutes the entire understanding and agreement of the pa rties. This Agreement integrates all of the terms and conditions mentioned herein or incidental hereto, and supersedes all negotiations or previous agreements between the parties with respect to the subject matter hereof. No subsequent agreement, representation or promise made by either party hereto, or by or to any employee, officer, agent or representative of either party, shall be of any effect unless it is in writing and executed by the party to be bound thereby. No person is authorized to make, and by execution hereof the Developer and the City acknowledge that no person has made, any representation, warranty, guaranty or promise except as set forth herein; and no agreement, statement, representation or promise made by any such person which is not co ntained herein shall be valid or binding on the Developer or the City. 8.8 Counterparts. This Agreement may be executed simultaneously in one or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. DRAFT FOR DISCUSSION - C36510 -25- P6401-0001\2274989v4.doc 8.9 Severability. Each and every provision of this Agreement is, and shall be construed to be, a separate and independent covenant and agreement. If any term or provision of this Agreement or the application thereof shall to any extent be held to be invalid or unenforceable, the remainder of this Agreement, or the application of such term or provision to circumstances other than those to which it is invalid or unenforceable, shall not be affected hereby, and each term and provisio n of this Agreement shall be valid and shall be enforced to the extent permitted by law. 8.10 Survival. The provisions hereof shall not terminate but rather shall survive any conveyance hereunder and the delivery of all consideration. 8.11 No Third Party Beneficiaries other than the City. The City shall be a named third party beneficiary of this Agreement. This Agreement is made and entered into for the sole protection and benefit of, and shall be binding upon, the parties, the City and their respective successors and assigns. No other person shall have any right of action based upon any provision of this Agreement. 8.12 Governing Law; Jurisdiction; Service of Process. California law shall govern this Agreement and the rights of the Parties. The Parties consent to the exclusive jurisdiction of the California Superior Court for the County of Riverside. If any legal action is commenced by the Developer against the City, or by City against the Developer, service of process on th e City shall be made by personal service upon the executive director or secretary of the City or in such other manner as may be provided by law. If any legal action is commenced by City against the Developer, service of process on the Developer shall be made by personal service on the President of the Developer, or in such other manner as may be provided by law. The Developer agrees, for the benefit of the City, that it shall designate an agent for service of process in the State of California in the manner prescribed by law, and if it fails to do so, the Secretary of State of the State of California is designated as agent for the Developer, with full authority to receive such service of process on its behalf, which designation and authorization shall surv ive the Close of Escrow and be irrevocable. IN WITNESS WHEREOF, the parties hereto have entered into this agreement as of the day and year first above written. “Developer” THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation By: Julie Bornstein, Executive Director By: Pedro S.G. Rodriguez, Chief Financial Officer DRAFT FOR DISCUSSION - C36510 -26- P6401-0001\2274989v4.doc “City” CITY OF PALM DESERT, a California municipal corporation By: Name: Title: ATTEST: Rachelle Klassen, City Clerk APPROVED AS TO FORM: Richards, Watson & Gershon By: Jim G. Grayson, Esq. Special Counsel to City DRAFT FOR DISCUSSION - C36510 -27- P6401-0001\2274989v4.doc LIST OF EXHIBITS Exhibit A Legal Description of Property Exhibit B Schedule of Performance Exhibit C Form of Right of Entry Agreement Exhibit D Scope of Development Exhibit E Form of Grant Deed Exhibit F Forms of CVHC Promissory Note, Deed of Trust and Affordable Housing Restriction Exhibit F-1 Forms of Purchaser’s Promissory Note, Deed of Trust and Restrictive Agreement Exhibit G Form of Notice of Affordability Restrictions on Transfer of Property Exhibit H Property Documents/Disclosures Exhibit I Form of Certificate of Completion EXHIBIT “A” LEGAL DESCRIPTION That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 EXHIBIT “B” SCHEDULE OF PERFORMANCE 1. Developer Due Diligence Begins on the Effective Date and ends 90 days thereafter. 2. Opening of Escrow between the City and Developer as set forth in Section 2.3.1 of the Agreement. Promptly after execution of the Agreement. 3. Developer shall, at its own expense, perform or cause to be performed any and all conditions for which it is responsible as set forth in Section 2.4 of the Agreement. Prior to Close of Escrow. 4. Developer’s approval or disapproval of Title Report and Survey. Within the Review Period described in Section 2.5.2. 5. Developer’s approval or disapproval of the physical condition of the Property. Within the Due Diligence Period described in Section 2.7.1. 6. Close of Escrow. , 2020. 7. Commencement of the Improvements. Within thirty (30) days after Close of Escrow. 8. Completion of the Improvements (other than Units). Within nine (9) months after Close of Escrow. 9. Issuance of Certificate of Completion Thirty (30) days from Developer’s written request. 10. Transfer of title to all Lots to Qualified Households. Within three (3) months after issuance of Certificate of Completion. 11 Completion of Construction of the Units, and issuance by City of a Certificate of Occupancy with respect to a Unit. Within fourteen (14) months after the date of purchase of a lot by a Qualifying Household. NOTE: Schedule may be amended with written approval of the City Manager, which approval may be given or withheld in the sole and absolute discretion of the City Manager. EXHIBIT “C” FORM OF RIGHT OF ENTRY AND ACCESS AGREEMENT (Attached.) DRAFT FOR DISCUSSION - C36510 C-31 P6401-0001\2274989v4.doc RIGHT OF ENTRY AND ACCESS AGREEMENT THIS RIGHT OF ENTRY AND ACCESS AGREEMENT (herein called this “Access Agreement”) is made and entered into as of , 2020 (the “Effective Date”), by the CITY OF PALM DESERT, a California municipal corporation (herein called “Grantor”), and The COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation (herein called “Grantee”). W I T N E S S E T H: WHEREAS, Grantor is the owner of the real property more particularly described on Exhibit A, attached hereto and incorporated herein by reference (herein called the “Property”); WHEREAS, Grantor and Grantee have entered into a Disposition and Development Agreement related to the Property (the “DDA”); WHEREAS, Grantee has requested the right of entry upon and access to the Property for t he purpose of undertaking tests, inspections and other due diligence activities (herein called the “Due Diligence Activities”) in connection with the proposed acquisition by Grantee of the Property under the DDA; WHEREAS, Grantor has agreed to grant to Grantee, and Grantee has agreed to accept from Grantor, a non-exclusive, revocable license to enter upon the Property to perform the Due Diligence Activities in accordance with the terms and provisions of this Agreement; WHEREAS, Grantor and Grantee desire to execute and enter into this Agreement for the purpose of setting forth their agreement with respect to the Due Diligence Activities and Grantee’s entry upon the Property. NOW, THEREFORE, for and in consideration of the foregoing premises, the mutual covenants and agreements contained herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Grantor and Grantee do hereby covenant and agree as follows: 1. Access by Grantee. (a) Subject to Grantee’s comp liance with the terms and provisions of this Agreement, until the earlier to occur of (i) the expiration of the Due Diligence Period (as defined in the DDA), or (ii) the earlier termination of this Agreement, Grantee and Grantee’s agents, employees, contractors, representatives and other designees (herein collectively called “Grantee’s Designees”) shall have the right to enter upon the Property for the purpose of conducting the Due Diligence Activities. (b) Grantee expressly agrees as follows: (i) any activities by or on behalf of Grantee, including, without limitation, the entry by Grantee or Grantee’s Designees onto the Property in connection with the Due Diligence Activities shall not damage the Property in any manner whatsoever or disturb or interfer e with the rights or possession of any tenant or subtenant on the Property, (ii) in the event the Property is altered or disturbed in any manner in connection DRAFT FOR DISCUSSION - C36510 C-32 P6401-0001\2274989v4.doc with the Due Diligence Activities, Grantee shall immediately return the Property to the condition existing prior to the Due Diligence Activities, and (iii) Grantee, to the maximum extent allowed by law, shall indemnify, defend and hold Grantor harmless from and against any and all claims, liabilities, damages, losses, costs and expenses of any kind or nature whatsoever (including, without limitation, attorneys’ fees and expenses and court costs) suffered, incurred or sustained by Grantor as a result of, by reason of, or in connection with the Due Diligence Activities or the entry by Grantee or Grantee’s Designees onto the Property. Notwithstanding any provision of this Agreement to the contrary, Grantee shall not have the right to undertake any invasive activities or tests upon the Property, or any environmental testing on the Property beyond the scope of a standard “Phase I” investigation, without the prior written consent of Grantor of a workplan for such “Phase II” or invasive testing, which may be granted, denied or conditioned in Seller’s reasonable discretion. If Grantor does not respond or reject any workplan within fifteen (15) business days of Grantee’s delivery of the written workplan proposal to Grantor pursuant to the notice provisions of this Agreement, then Grantor shall be deemed to have not approved the submitted workplan and Grantee may not proceed with such testing. 2. Lien Waivers. Grantee will provide Grantor with lien waivers following completion of the Due Diligence Activities from each and every contractor, materialman, engineer, architect and surveyor who might have lien rights, in form and substance reasonably satisfactory to Grantor and its counsel. To the extent permitted by applicable law, Grantee hereby indemnifies Grantor from and against any claims or demands for payment, or any liens or lien claims made against Grantor or the Property as a result of the Due Diligence Activities. 3. Insurance. Prior to entry onto the Property, Grantee shall, and shall cause all of Grantee’s Designees performing the Due Diligence Activities to, procure or maintain a policy of commercial general liability insurance issued by an insurer reasonably satisfactory to Grantor covering each of the Due Diligence Activities with a single limit of liability of not less than $1,000,000.00 and $2,000,000.00 aggregate, and to deliver to Grantor a certif icate of insurance and copy of additional insured endorsement naming Grantor as named additional insured, evidencing that such insurance is in force and effect, and evidencing that Grantor has been named as an additional insured thereunder with respect to the Due Diligence Activities. Such insurance shall be maintained in force throughout the term of this Agreement. 4. Successors. To the extent any rights or obligations under this Agreement remain in effect, this Agreement shall be binding upon and enforceable against, and shall inure to the benefit of, the parties hereto and their respective heirs, legal representatives, successors and permitted assigns. 5. Limitations. Grantor does not hereby convey to Grantee any right, title or interest in or to the Property, but merely grants the specific rights and privileges hereinabove set forth. 6. Notices. Whenever any notice, demand, or request is required or permitted under this Agreement, such notice, demand, or request shall be in writing and shall be deliver ed by hand, be sent by registered or certified mail, postage prepaid, return receipt requested, or shall be sent by nationally recognized commercial courier for next business day delivery, to the addresses set forth below the respective executions of the parties hereof, or to such other addresses as are specified by written notice given in accordance herewith, or shall be transmitted by facsimile to DRAFT FOR DISCUSSION - C36510 C-33 P6401-0001\2274989v4.doc the number for each party set forth below their respective executions hereof, or to such other numbers as are specified by written notice given in accordance herewith. All notices, demands, or requests delivered by hand shall be deemed given upon the date so delivered; those given by mailing as hereinabove provided shall be deemed given on the date of deposit in the United States Mail; those given by commercial courier as hereinabove provided shall be deemed given on the date of deposit with the commercial courier; and those given by facsimile shall be deemed given on the date of facsimile transmittal. Nonetheless, the time period, if any, in which a response to any notice, demand, or request must be given shall commence to run from the date of receipt of the notice, demand, or request by the addressee thereof. Any notice, demand, or request not received because of changed address or facsimile number of which no notice was given as hereinabove provided or because of refusal to accept delivery shall be deemed received by the party to whom addressed on the date of hand delivery, on the date of facsimile transmittal, on the first calendar day after deposit with commercial courier, or on the third calendar day following deposit in the United States Mail, as the case may be. 7. Assignment . This Agreement may not be assigned by Grantee. 8. Governing Law. This Agreement shall be construed, enforced and interpreted in accordance with the laws of the State of California. 9. Termination. This Agreement can be terminated by Grantor at any time and for any reason, or no reason, upon written notice from Grantor to Grantee. 10. Counterparts. This Agreement may be executed in several counterparts, each of which shall be deemed an original, and all of such counterparts together shall constitute one and the same instrument. 11. No Recording of Agreement or Memorandum of Agreeme nt . In no event shall this Agreement or any memorandum hereof be recorded in the Official Records of Riverside County, California, and any such recordation or attempted recordation shall constitute a breach of this Agreement by the party responsible for such recordation or attempted recordation. Address for notices: To the City: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: Ryan Stendell, Director of Community Development Tel. No.: Email: DRAFT FOR DISCUSSION - C36510 C-34 P6401-0001\2274989v4.doc To Grantee: The Coachella Valley Housing Coalition 45-701 Monroe Street, Suite G Indio, CA 92201 Attn: Julie Bornstein, Executive Director Tel. No.: Email: IN WITNESS WHEREOF, Grantor and Grantee have caused this Agreement to be executed and sealed, on the day and year fir st written above. GRANTOR: CITY OF PALM DESERT, a California municipal corporation By: Name: Title: ATTEST: , City Clerk GRANTEE: THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation By: Julie Bornstein, Executive Director By: Pedro S.G. Rodriguez, Chief Financial Officer DRAFT FOR DISCUSSION - C36510 C-35 P6401-0001\2274989v4.doc EXHIBIT A LEGAL DESCRIPTION OF THE PROPERTY That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 EXHIBIT “D” SCOPE OF DEVELOPMENT The development proposed by Developer in its response to the City’s Request for Proposals dated October 11, 2018 (“RFP”), subject to compliance with Planning Commission Resolution No. 2314 and Tract Map No. 30795 (attached to the RFP). The development must also include the following: The Project will consist of 14 self-help single-family detached three (3) and four (4) bedroom homes of approximately 1,200 and 1,400 square feet, respectively, which will ultimately be available to first -time homebuyers of very low and low income (as described herein) and a household member of which shall be employed within the City’s jurisdictional boundar ies (“Units”). The 14 self-help homes shall follow the City of Palm Desert development standards and any other condition of approval set forth in the Zoning Ordinance, and as more particularly identified in the City’s Community Development Department’s Development and Permit Review Procedures for residential projects in the Architectural Review Application. The proposed Project should be consistent with the City’s other affordable for-sale developments that have been constructed which include a high qualit y of construction, energy efficiencies to the extent possible, solar photovoltaic option if feasible or coordination with a grant funded program for installation of solar photovoltaic if possible, design aesthetic and stick-built. The Project should have a unifying theme and identifiable character and be consistent with the neighboring affordable for -sale developments. With proper City approval, the Developer shall:  Perform all necessary due diligence required for the Project’s approval process. This may include, but is not limited to a precise plan, and or an Architectural Review Application.  Creation and submission of any documents necessary to obtain approvals and permits from the current state of the Property, through the entitlement phase and through the issuance of a Certificate of Completion for the Project.  Submit a complete Architectural Review Application, along with any requirements noted therein and attend any required hearings in order to obtain approval.  Prepare the design for Lot infrastructure, including streets, curbs, water, sanitary sewer, storm sewer, sidewalks, and dry utilitie s.  Verify and finalize the complete installation of both wet and dry utilities to each of the 14 Lots.  Prepare all necessary reports including but not limited to a water management plan, environmental, etc.  Prepare the design and specifications for grading, engineering, and landscape including all required approvals.  Prepare and determine the engineer’s estimate based on the proposed project contemplated for submitt al.  Submit a wall permit for a property line block wall between each Lot consistent with the City’s Zoning Ordinance and the neighboring affordable for -sale developments.  Prepare the design and specifications for 14 single-family homes that shall integrate as many as possible building materials and methods that promote environmental quality and DRAFT FOR DISCUSSION - C36510 D-37 P6401-0001\2274989v4.doc energy efficiency with special consideration to renewable energy sources, meeting at a minimum, the current California Code of Regulations Title 24 standards.  Prepare a graphic representation of the design in scaled plans that are refined to a conceptual, schematic level, indicating parcel layouts, building footprints, placement, streets, pedestrian circulation, open space, and any other relevant features for approval by the City as applicable.  Present the Project to all necessary City Departments, City Committees, Commissions, Councils and Boards in order to obtain all necessary approvals.  Prepare construction documents for the Units.  Submit a complete Application For Residential Building Permit, along with any requirements noted therein.  Include and pay all the costs associated with any permits or approvals for the Project.  Complete any geotechnical, soils and materials testing, compaction, grading, and pad certificat ions necessary for the Project.  Perform community outreach and informational sessions about the Project for residents living in surrounding neighborhoods, if necessary.  Coordinate with the Buyers regarding their respective ‘sweat equity’ and at least 500 hours of construction work obligations.  Prescreen and prequalify potential first -time homebuyers and provide training and counseling to qualified homebuyers. Explain the affordable restrictions, covenant requirements, and all other affordable guidelines to Buyers.  Create a sales program for the marketing and sale of the Lots to qualified households at an affordable housing cost (pursuant to California Code of Regulations, Title 25 and Health and Safety Code), including but not limited to obtaining escrow, mortgage loans, insurance, home inspections, and homebuyer counseling.  Provide guidance and technical assistance for the financing and management of the construction loan.  Organize, supervise and train qualified households in the proper construction of the Units through all Project phases.  Provide guidance and technical assistance for the construction management and any other elements necessary to complete the Project.  Construct the approved Project and infrastructure (pursuant to California Code of Regulations Title 24 standards).  Be the point of contact and follow up with Buyers including ownership questions, affordability restrictions, maintenance and warranty complaints for a period of one (1) year from when a Buyer receives a certificate of occupancy wit h respect to its Unit, or as is otherwise statutorily required. For purposes of clarification, the Developer is not obligated under the Agreement to construct any infrastructure improvements pertaining to the Lots for development of single-family homes except those which are specified in the Architectural Review Application submitt ed to and approved by the City. EXHIBIT “E” FORM OF GRANT DEED (Attached.) DRAFT FOR DISCUSSION - C36510 E-39 P6401-0001\2274989v4.doc Recording Requested By, and When Recorded return to and Mail To: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: Housing Division APNs: 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624-441-014, 624-441-015, 624- 441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 (Space above for Recorder’s use.) (Exempt from Recording Fees Per Govt Code §6103.) Exempt from documentary transfer tax as a conveyance for no consideration; property was acquired with proceeds of tax exempt bonds that require property to be conveyed for no monetary consideration. GRANT DEED FOR A VALUABLE CONSIDERATION, receipt of which is hereby acknowledged, the CITY OF PALM DESERT (“Grantor”) hereby GRANTS, RELEASES AND REMISES to THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation (“Grantee”) the real property described in Exhibit “A” attached hereto and incorporated herein by this reference (the “Property”) located in the City of Palm Desert, County of Riverside, State of California: 1. This Grant Deed of the Property is subject to the provisions of a Disposition and Development Agreement (the “Agreement”) entered into by and between Grantor and Grantee dated , 2020, the terms of which are incorporated herein by reference. A copy of the Agreement is available for public inspection at the offices of the Grantor, 73-510 Fred Waring Drive, Palm Desert, California 92260. The Property is conveyed further subject to all easements, rights of way, covenants, conditions, restrictions, reservations and all other matters of record. 2. The Property is conveyed subject to the condition that the Grantee covenants by and for itself, its successors and assigns and every successor in interest to the Property or any part thereof, that the Grantee and such successors and assigns shall use the Property, and every par t thereof, only for the purposes described in the Agreement. The Grantee further covenants and agrees for itself, and its successors and its assigns, that the Property and the improvements located thereon shall be conveyed only to “Qualified Households” as defined in that certain Affordable Housing Restriction entered into by and between Grantor and Grantee dated , 2020, the terms of which are incorporated herein by this reference. 3. By acceptance hereof, Grantee covenants, for himself or herself, his o r her successors and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of, any person or group of persons on account of any basis listed in subdivision (a) or (d) of Section 12955 of the California Government Code, as those bases DRAFT FOR DISCUSSION - C36510 E-40 P6401-0001\2274989v4.doc are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the California Government Code, in the sale, transfer, use, occupancy, tenure or enjoyment of the premises herein conveyed, nor shall the Grantee himself or herself, or any person claiming under or through him or her, establish or permit any practice or practices of discrimination or segregation with reference to the use or occupancy of the premises herein conveyed. The foregoing shall be a covenant running with the land for the benefit of, and as a burden upon the property described herein. Notwithstanding the immediately preceding paragraph, with respect to familial status, said paragraph shall not be construed to apply to housing for older persons, as defined in Section 12955.9 of the California Government Code. With respect to familial status, nothing in said paragraph shall be construed to affect Sections 51.2, 51.3, 51.4, 51.10, 51.11, and 799.5 of the California Civil Code, relating to housing for senior citizens. Subdivision (d) of Section 51 and Section 1360 of the California Civil Code and subdivisions (n), (o) and (p) of Section 12955 of the California Government Code shall apply to said paragraph. 4. As provided in Section 6.2.3 of the Agreement, in the event of a failure to complete a home by the deadline in the Agreement, the Grantor shall have the right at its option to re -enter and take possession of applicable parcel hereby conveyed, with all improvements thereon, and to revest in Grantor the Property hereby conveyed to Grantee (or its successors in interest), and in such event title to the Property shall revert to Grantor. The foregoing right of reverter shall automat ically terminate as to any Lot within the Property upon transfer of such Lot to a Qualified Household. 5. All covenants contained in this Grant Deed, or incorporated herein by reference, shall run with the land and shall be binding for the benefit of, and shall be enforceable by, Grantor, or the City of Palm Desert (as a third party beneficiary) and their respective successors and assigns, without regard to whether the Grantor is or remains an owner of any land or interest therein to which such covenants relate. In the event of a breach of any covenant contained in this Grant Deed, Grantor shall have the right to exercise any right or remedy available at law or in equity. IN WITNESS WHEREOF, the undersigned has executed this Grant Deed as of the date set fo rth below. GRANTOR: Dated: , 2020 CITY OF PALM DESERT, a California municipal corporation By: Name: Title: ATTEST: Rachelle Klassen, City Clerk DRAFT FOR DISCUSSION - C36510 E-41 P6401-0001\2274989v4.doc GRANTEE: THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation By: Julie Bornstein, Executive Director By: Pedro S.G. Rodriguez, Chief Financial Officer DRAFT FOR DISCUSSION - C36510 E-42 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 E-43 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 E-44 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public EXHIBIT “A” TO GRANT DEED LEGAL DESCRIPTION OF THE PROPERTY That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 EXHIBIT “F” FORMS OF CVHC PROMISSORY NOTE, DEED OF TRUST AND AFFORDABLE HOUSING RESTRICTION (Attached.) DRAFT FOR DISCUSSION - C36510 F-47 P6401-0001\2274989v4.doc CVHC PROMISSORY NOTE $560,000.00 , 2020 FOR VALUE RECEIVED, the undersigned THE COACHELLA VALLEY HOUSING COALITION, a California non-profit benefit corporation (the “Borrower”) hereby promises to pay to t he order of the City of Palm Desert, a California municipal corporation (“Lender”) at the following address 73-510 Fred Waring Drive, Palm Desert, California 92260 or at such other place as the holder may from time to time designate by written notice to Bo rrower, in lawful money of the United States, the sum of Five Hundred Sixty Thousand Dollars ($560,000.00) with simple interest at the rate of three percent (3%) per annum on the stated principal balance from the date hereof, until paid. The obligation of the Borrower with respect to this Promissory Note (“Note”) is secured by a deed of trust (the “Deed of Trust”), executed by the Borrower and dated substantially concurrently herewith. 1. Purchase Price Obligation. This Note evidences the obligation of the Borrower to the Lender for the purchase price for land sold by Lender to Borrower (the “Land”) as provided in that certain Disposition and Development Agreement by and between Borrower and Lender and dated as of ________________, 2020 (the “DDA”). 2. Repayment of Loan Principal and Interest. No periodic payments are required hereunder. Borrower agrees to pay the unpaid principal balance, unpaid accrued interest, and any other amounts due under this Note upon the earliest of: (a) Upon sale, transfer, lease, or encumbrance of all or any interest in the Land in violation of that certain Affordable Housing Restrictive Agreement executed by Borrower and recorded against the Land (the “Restrictive Agreement”); or (b) Upon any other default by Borrower under the Restrictive Agreement or DDA that is not cured within the express cure period for such default granted therein, if any; or (c) Upon a default under any obligation debt that is secured by a deed of trust or other lien on the Land that is senior or junior to the Deed of Trust and is not cured within the time period for cure, if any, expressly provided in the documents creating or securing the obligation. 3. Partial Reconveyances; Reductions in Principal Amount and Accrued Interest; Forgiveness. The DDA between Lender, as seller, and Borrower, as buyer, for the Land that is encumbered by the Deed of Trust securing this Note requires Lende r to reconvey the Deed of Trust with respect to any subdivided portion of the Land that is sold by Borrower to a Qualified Household in accordance with the Affordable Housing Restriction executed by Borrower (in order to permit such portion of the Land to be sold) through the escrow for the sale to the Qualified Household. Upon each such sale and partial reconveyance, the initial stated principal amount of this Note (and any accrued interest) shall be reduced by one fourteenth (1/14th), as there should be fourteen such sales. Upon completion of all sales in accordance with the Restrictive Agreement, this Note shall have DRAFT FOR DISCUSSION - C36510 F-48 P6401-0001\2274989v4.doc a zero balance and the entire purchase money loan evidenced by this Note and accrued interest will have been “forgiven”. 4. Application of Payments. All payments received on account of this Note shall be first applied to accrued interest, if any, and the remainder shall be applied to the reduction of principal. 5. Attorneys’ Fees. The Borrower hereby agrees to pay all costs and expenses, including reasonable attorneys’ fees, which may be incurred by the Lender in the enforcement of this Note. 6. Notices. Except as may be otherwise specified herein, any approval, notice, direction, consent, request or other action by the Lender shall be in writing and must be communicated to the Borrower at the address of the Property, or at such other place or places as the Borrower shall designate to the Lender in writing by certified mail, from time to time, for the receipt of communications from the Lender. 7. Prepayment Policy: Borrower may not prepay this Note without the prior written consent of the Lender. 8. Governing Law. This Note shall be construed in acco rdance with and be governed by the, laws of the State of California. 9. Severability. If any provision of this Note shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired thereby. 10. No Waiver by the Lender. No waiver of any breach, default or failure of condition under the terms of the Note or Deed of Trust shall thereby be implied from any failure of the Lender to take, or any delay by the Lender in taking action with respect to such breach, default or failure or from any previous waiver of any similar or unrelated breach, default or failure; and a waiver of any term of the Note, Deed of Trust, or any of the obligations secured thereby must be made in writing and shall be limited to the express written terms of such waiver. MAILING ADDRESS OF BORROWER (ADDRESS FOR NOTICES): 45-701 Monroe Street, Suite G, Indio, California 92201, Attn: Emilia Mojica, Single Family Director DRAFT FOR DISCUSSION - C36510 F-49 P6401-0001\2274989v4.doc SIGNATURE OF BORROWER: THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation By: Julie Bornstein, Executive Director By: Pedro S.G. Rodriguez, Chief Financial Officer DRAFT FOR DISCUSSION - C36510 F-50 P6401-0001\2274989v4.doc RECORDING REQUESTED BY, AND WHEN RECORDED, MAIL TO: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, CA 92260 Attn: With a copy to: The Coachella Valley Housing Coalition 45-701 Monroe Street, Suite G Indio, CA 92201 APN(s): 624-440-032, 624-440-034, 624-440- 035, 624-440-036, 624-441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624- 441-019, 624-441-020, 624-441-021, 624-441- 022 (Space Above This Line For Recorder’s Use) Free Recording Requested Pursuant To Government Code Section 27383 DEED OF TRUST, ASSIGNMENT OF RENTS AND SECURITY AGREEMENT This Deed of Trust, Assignment of Rents and Security Agreement is dated , 2020, and is executed by THE COACHELLA VALLEY HOUSING COALITION, a California non-profit benefit corporation herein called Trustor, whose address is 45 -701 Monroe Street, Suite G, Indio, CA 92201, in favor of First American Title Insurance Company, as Trustee, for the benefit of the CITY OF PALM DESERT, a California municipal corporation herein called Beneficiary. Witnesseth: That Trustor IRREVOCABLY GRANTS, TRANSFERS AND ASSIGNS TO TRUSTEE IN TRUST, WITH POWER OF SALE, that property in Riverside County, California, described in Exhibit A attached hereto and incorporated herein by this reference, together with all improvements and fixtures thereon and all goods and other personal property owned by Trustor and located thereon (collectively, the “Property”). TOGETHER WITH the rents, issues and profits thereof, SUBJECT, HOWEVER, to the right, power and authority hereinafter given to and conferred upon Beneficiary to collect and supply such rents, issues and profits. For the Purpose of Securing: 1. Performance of each agreement of Trustor herein contained. 2. Payment of the principal amount of that certain Promissory Note dated , 2020 (the “Note”) executed by Trustor in favor of Beneficiary. DRAFT FOR DISCUSSION - C36510 F-51 P6401-0001\2274989v4.doc To Protect the Security of This Deed of Trust, Trustor Agrees: (1) To keep said Property in good condition and repair; not to remove or demolish any building thereon; to complete or restore promptly and in good workmanlike manner any building which may be constructed, damaged or destroyed thereon and to pay when due all claims fo r labor performed and materials furnished thereof; to comply with all laws affecting said Property, or requiring any alterations or improvements to be made thereon; not to commit or permit waste thereof; not to commit, suffer or permit any act upon said Pr operty in violation of law; and to do all other acts which from the character or use of said Property may be reasonably necessary, the specific enumerations herein not excluding the general. (2) To provide or cause to provide, maintain and deliver to Benef iciary fire insurance satisfactory to and with loss payable to Beneficiary and any superior trust deed holder, as their interests may appear. The amount collected under any fire or other insurance policy may be applied by Beneficiary upon any indebtedness secured hereby and in such order as Beneficiary may determine, or at option of Beneficiary the entire amount so collected or any part thereof may be released to Trustor. Such application or release shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. (3) To appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; and to pay all costs and expenses, including cost of evidence of title and attorney’s fees in a reasonable sum, in any such action or proceeding in which Beneficiary or Trustee may appear, and in any suit brought by Beneficiary to foreclose this Deed of Trust. (4) To pay: at least ten days before delinquency all taxes and assessments affecting said Property, including assessments on appurtenant water stock; when due, all encumbrances, charges and liens, with interest, on said Property or any part thereof, which appear to be prior or superior hereto; all costs, fees and expenses of this Trust. Should Trustor fail to make any payment or to do any act as herein provided, then Beneficiary or Trustee, but without obligation so to do and without notice to or demand upon Trustor and without releasing Trustor fro m any obligation hereof, may: (a) make or do the same in such manner and to such extent as either may deem necessary to protect the security hereof, Beneficiary or Trustee being authorized to enter upon said Property for such purposes; (b) appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; (c) pay, purchase, contest or compromise any encumbrance, charge or lien which in the judgment of either appears to be prior or super ior hereto; and (d) in exercising any such powers, pay necessary expenses, employ counsel and pay his reasonable fees. (5) To pay immediately and without demand all sums so expended by Beneficiary or Trustee, with interest from date of expenditure at the a mount allowed by law in effect at the date hereof, and to pay for any statement provided for by law in effect at the date hereof regarding the obligation secured hereby any amount demanded by the Beneficiary not to exceed the maximum allowed by law at the time when said statement is demanded. DRAFT FOR DISCUSSION - C36510 F-52 P6401-0001\2274989v4.doc (6) That any award of damages in connection with any condemnation for public use of or injury to said Property or any part thereof is hereby assigned and shall be paid to Beneficiary (and to any superior trust deed holder, as their interests may appear) who may apply or release such moneys received by him in the same manner and with the same effect as above provided for disposition of proceeds of fire or other insurance. (7) That by accepting payment of any sum secured hereby after its due date, Beneficiary does not waive his right either to require prompt payment when due of all other sums so secured or to declare default for failure so to pay. (8) That at any time or from time to time, without liability therefore and w ithout notice, upon written request of Beneficiary and presentation of this Deed of Trust and said note for endorsement, and without affecting the personal liability of any person for payment of the indebtedness secured hereby, Trustee may: (a) reconvey a ny part of said Property; (b) consent to the making of any map or plat thereof; (c) join in granting any easement thereon; or (d) join in any extension agreement or any agreement subordinating the lien or charge hereof. (9) That upon written request of Beneficiary stating that all or a portion of the sums secured hereby have been paid or deemed paid, and upon surrender of this Deed of Trust and the Note (or submission of a modification or amendment thereto) to Trustee for cancellation and retention and upon payment of its fees, Trustee shall reconvey, without warranty, the Property or portion thereof then held hereunder and identified in such written notice from Beneficiary. The recitals in such reconveyance of any matters or facts shall be conclusive proof of the truthfulness thereof. The grantee in such reconveyance may be described as “the person or persons legally entitled thereto.” Five years after issuance of such full reconveyance, Trustee may destroy said note and this Deed of Trust (unless directed in such request to retain them). (10) That as additional security, subject to the rights of superior trust deed holders, as their interests may appear, Trustor hereby gives to and confers upon Beneficiary the right, power and authority, during the continuance of these trusts, to collect the rents, issues and profits of said Property, reserving unto Trustor the right, prior to any default by Trustor in payment of any indebtedness secured hereby or in performance of any agreement hereunder, to collect and r etain such rents, issues and profits as they become due and payable. Upon any such default, Beneficiary may at any time without notice, either in person, by agent, or by a receiver to be appointed by a court, and without regard to the adequacy of any security for the indebtedness hereby secured, enter upon and take possession of said Property or any part thereof, in his own name sue for or otherwise collect such rents, issues and profits, including those past due and unpaid, and apply the same, less costs and expenses of operation and collection, including reasonable attorney’s fees, upon any indebtedness secured hereby, and in such order as Beneficiary may determine. The entering upon and taking possession of said Property, the collection of such rents, issues and profits and the application thereof as aforesaid, shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. (11) That upon default by Trustor in payment of any indebtedness secured here by, or in performance of any agreement hereunder, or default by Trustor under the DDA or Restrictive Agreement (each as defined in the Note), Beneficiary may declare all sums secured hereby immediately due and payable by delivery to Trustee of written declaration of default and demand DRAFT FOR DISCUSSION - C36510 F-53 P6401-0001\2274989v4.doc for sale and of written notice of default and election to cause to be sold said Property, which notice Trustee shall cause to be filed for record. After the lapse of such time as may then be required by law following the reco rdation of said notice of default, and notice of sale having been given as then required by law, Trustee, without demand on Trustor, shall sell said Property at the time and place fixed by it in said notice of sale, either as a whole or in separate parcels, and in such order as it may determine, at public auction to the highest bidder for cash in lawful money of the United States, payable at time of sale. Trustee may postpone sale of all or any portion of said Property by public announcement at such time and place of sale, and from time to time thereafter may postpone such sale by public announcement at the time fixed by the preceding postponement. Trustee shall deliver to such highest bidder its deed conveying the Property so sold, but without any covenant or warranty, express or implied. The recitals in such deed of any matters or facts shall be conclusive proof of the truthfulness thereof. Any person, including Trustor, Trustee, or Beneficiary may purchase the Property at such sale. After deducting all costs, fees and expenses of Trustee and of this Trust, including cost of evidence of title in connection with sale, Trustee shall apply the proceeds of sale to payment of: all sums expended under the terms hereof, not then repaid, with accrued interest at t he amount allowed by law in effect at the date hereof; all other sums then secured hereby; and the remainder, if any, to the person or persons legally entitled thereto. (12) Beneficiary, or any successor in ownership of any indebtedness secured hereby, may from time to time, by instrument in writing, substitute a successor or successors to any Trustee named herein or acting hereunder, which instrument, executed by the Beneficiary and duly acknowledged and recorded in the office of the recorder of the county or counties where said Property is situated, shall be conclusive proof of proper substitution of such successor Trustee or Trustees, who shall, without conveyance from the Trustee predecessor, succeed to all its title estate, rights, powers and duties. S aid instrument must contain the name of the original Trustor, Trustee and Beneficiary hereunder, the book and page where this Deed of Trust is recorded and the name and address of the new Trustee. (13) That this Deed of Trust applies to, inures to the bene fit of, and binds all parties hereto, their heirs, legatees, devisees, administrators, executors, successors and assigns. The term Beneficiary shall include the owner and holder, including pledges, of the note secured hereby, whether or not named as Beneficiary herein. In this Deed of Trust, whenever the context so requires, the masculine gender includes the feminine and/or neuter, and the singular number includes the plural. (14) That Trustee accepts this Trust when this Deed of Trust, duly executed and acknowledged, is made a public record as provided by law. Trustee is not obligated to notify any party hereto of pending sale under any Deed of Trust or of any action or proceeding in which Trustor, Beneficiary or Trustee shall be a party unless brought b y Trustee. (15) If the Trustor shall sell, lease, transfer, assign, convey, encumber, mortgage, hypothecate or alienate the real Property described herein, or any part thereof, or any interest therein, or shall be divested of title or any interest therein in any manner or way, whether DRAFT FOR DISCUSSION - C36510 F-54 P6401-0001\2274989v4.doc voluntarily or involuntarily (except as permitted by Beneficiary pursuant to the terms and conditions set forth in the DDA and Restrictive Agreement), or if Trustor shall fail to make any payments due under the note secured by this Deed of Trust, or fail to perform any other obligation under said DDA and Restrictive Agreement, this Deed of Trust or the note secured hereby, or any other deed of trust encumbering the subject Property, then Beneficiary shall have the right, at its option, to declare any indebtedness or obligations secured hereby, irrespective of the maturity date specified in any note evidencing the same, immediately due and payable. (16) Notwithstanding anything provided herein to the contrary, the Beneficiary agrees to look solely to the Trustor’s interest in the Property encumbered hereby and improvements thereon (or the proceeds thereof) for the satisfaction of any remedy of the Beneficiary, and for the collection of a judgment (or other judicial process) requiring the payment of money by the Trustor, except where such judgment results from a claim of fraud; intentional misrepresentation; misapplication; misappropriation; or wrongful retention of rental income; casualty insurance; condemnation proceeds; or other funds attributable to the Property; the commission of any act of deliberate waste with respect to the Property encumbered hereby; or the deposit of any hazardous or toxic materials on the Property encumbered hereby; in which events there shall be no such limitation on the Beneficiary’s recourse against the Trustor. (17) Any breach or default under the Restrictive Agreement or the DDA shall be deemed a breach of this Deed of Trust. (18) This Deed of Trust is also intended to be and shall constitute both a Security Agreement and a “fixture filing” as defined in the California Commercial Code, the Trustor being the Debtor and the Beneficiary being the Secured Party. Trustor hereby grants Beneficiary a security interest in all fixtures, and in all goods which are or are to bec ome fixtures on the Land, for the purpose of securing all indebtedness and other obligations of Trustor now or hereafter secured by this Deed of Trust. The products of such collateral are also covered hereby. This Deed of Trust, as a fixture filing, is t o be recorded in the real estate records covering the real property covered hereby. Trustor authorizes Beneficiary to execute, deliver, file and record (as necessary) financing and continuation statements covering such property from time to time in such form as Beneficiary may require to perfect and continue the perfection of Beneficiary’s security interest with respect to such property, and to reimburse Beneficiary for any costs incurred in filing such financing statements and any continuation statements. Trustor shall not create or allow the creation of any other security interest in such property. Upon the occurrence of any default by Trustor hereunder, Beneficiary shall have the rights and remedies of a secured party under the California Commercial Co de, as well as all other rights and remedies available at law or in equity or as provided herein, all at Beneficiary’s option. Trustor and Beneficiary agree that the filing of a financing statement in the records normally having to do with personal property shall never be construed as in any way derogating from or impairing this declaration and the hereby stated intention of the parties hereto that everything used in connection with the operation or occupancy of such property or the production of income therefrom is and, at all times and for all purposes and in all proceedings, both legal and equitable, shall be regarded as real property encumbered by this Deed of Trust and fixture filing, irrespective of whether (a) any such item is physically attached to the buildings and improvements, (b) serial numbers are used for the better identification of certain equipment, or (c) any such item is referred to or reflected in any such financing statement so filed at any time. Such mention in the financing statement is declared to be for the protection of the DRAFT FOR DISCUSSION - C36510 F-55 P6401-0001\2274989v4.doc Beneficiary in the event any court or judge shall at any time hold that notice of Beneficiary’s priority of interest must be filed in the Uniform Commercial Code records to be effective against a particular class of persons, including, but not limited to, the federal government and any subdivisions or entities of the federal government. The undersigned Trustor requests that a copy of any Notice of Default and of any Notice of Sale hereunder be mailed to him at his address hereinbefore set forth. THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation By: Julie Bornstein, Executive Director By: Pedro S.G. Rodriguez, Chief Financial Officer DRAFT FOR DISCUSSION - C36510 F-56 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-57 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-58 P6401-0001\2274989v4.doc EXHIBIT “A” LEGAL DESCRIPTION That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 DRAFT FOR DISCUSSION - C36510 F-59 P6401-0001\2274989v4.doc RECORDING REQUESTED BY AND WHEN RECORDED RETURN TO: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attention: Housing Division With a copy to: The Coachella Valley Housing Coalition 45-701 Monroe Street, Suite G Indio, CA 92201 Attn: APNs: 624-441-014 to 022; 624-440-032 to 036 EXEMPT FROM RECORDING FEES PURSUANT TO G.C. 6103 AFFORDABLE HOUSING RESTRICTION AGREEMENT THIS AFFORDABLE HOUSING RESTRICTION AGREEMENT (the “AHRA”) including CONDITIONS, COVENANTS AND RESTRICTIONS dated as of , 2020 (the “Effective Date”), is by and between the CITY OF PALM DESERT (the “City”), and THE COACHELLA VALLEY HOUSING COALITION, a California nonprofit public benefit corporation (the “Owner”). RECITALS A. The Owner is concurrently herewith acquiring that certain real property located in the City of Palm Desert, County of Riverside, State of California, legally described on Exhibit “A” attached hereto and incorporated herein by reference (the “Property”), and which the owner intends to sell fully entitled and permitted lots thereof (the “Lots”) to Qualified Households (as hereinafter defined), who shall cause to be constructed and occupy a single family home thereon as their principal residence. B. The purpose of this AHRA is to effectuate the disposition of the Property to Owner, and for the development of the Property, and its sa le to and occupancy by Qualified Households (as defined below). C. The City and the Owner are parties to that certain Disposition and Development Agreement dated , 2020 (the “DDA”). Pursuant to the DDA, the Owner has agreed to develop a self-help project consisting of fourteen (14) single-family residential dwelling units on the Lots (the “Units”), and the City has agreed to convey the Site to the Owner. D. Pursuant to the DDA, the Owner is required to fully entitle the Property and each Lot for construction of the individual Units by Qualified Households. The Owner is also required to sell each such entitled Lot to a Qualified Household who shall assume all continuing obligations DRAFT FOR DISCUSSION - C36510 F-60 P6401-0001\2274989v4.doc of the Owner pertaining to the construction of the Unit on the Lot and be subject to the terms and provisions of a new restrictive housing agreement executed by it, as herein provided. E. To further the interests of the City, and as required by the DDA, Owner has agreed to enter into and record this Restrictive Agreement, the purpose of which is to regulate and provide certain restrictions with regard to occupancy, resale, and ownership of the Property. NOW, THEREFORE, the parties agree as follows: AGREEMENT 1. Fundamental Provisions. The following shall serve as the basic ter ms of this AHRA: (a) The name of the Owner is The Coachella Valley Housing Coalition. (b) The Property consists of vacant parcels in the City of Palm Desert, California, also known as APNs 624-441-014 through 022 and 624-440-032 through 036, legally described on Exhibit “A” attached hereto. (c) References herein to statutes or regulations shall be to such statutes or regulations as amended from time to time, and to any successor statutes and regulations. 2. Entitlement for Lots. The Owner shall obtain all entitlements with respect to the Lots as are required by the City for the construction of the Units as more particularly described in the DDA. 3. Term of AHRA. This AHRA shall commence upon the date of recordation hereof in the official records of the County Recorder and shall continue until the date upon which all of Property has been entitled and sold to Qualified Households for the construction of the Units (the “Term”). Upon each sale of a Lot to a Qualified Household, City and the Qualified Household shall execute and record a new restrictive housing agreement in the form of Exhibit F-1 to the DDA and evidencing the termination of this AHRA as to the Unit, with a term of forty-five (45) years from the date of the issuance by the City of a final certificate of occupancy with respect to each such Unit. 4. Definitions. For purposes of this AHRA, the terms listed below shall have the meanings thereinafter specified. (a) AMI means the median family income of the Riverside-San Bernardino Statistical Area (SMSA), as determined and published annually by the California Department of Housing and Community Development (“HCD”), as described in California Health and Safety Code Section 50093, and the regulations promulgated thereunder. The AMI shall be adjusted fo r family size in accordance with state regulations adopted pursuant to California Health and Safety Code Section 50052.5. (b) Affordable Housing Cost means a housing cost which is calculated pursuant to California Health and Safety Code Section 50052.5, as amended from time to time, and for the DRAFT FOR DISCUSSION - C36510 F-61 P6401-0001\2274989v4.doc purposes hereof, the term “housing cost” shall have the meaning ascribed to such term in Title 25 of the California Code of Regulations Section 6920, as amended from time to time, and the term “gross income” shall ha ve the meaning ascribed to such term in Title 25 of the California Code of Regulations Section 6914. (c) Person, Family, or Household of Low or Very Low Income means a person, family or household of one or more persons occupying the same housing unit whose household income does not exceed the low or very low income limits (as applicable) set forth in California Health and Safety Code Sections 50093, 50105, and Title 25 of the California Code of Regulations Section 6910, et seq., as the case or context may r equire, adjusted for family size. (d) Qualified Household means a Person, Family, or Household of Low or Very Low Income that is a First -Time Homebuyer and that would not cause the occupancy of the Unit to exceed the maximum occupancy allowed by the Palm Desert Municipal Code, and wherein a member of the Qualified Household is employed within the City’s jurisdictional boundaries. (e) Escrow and Title Costs are to include only those fees charged by an escrow agent & title insurance company solely for the closing costs of escrow. These are not to include loan fees, refinancing fees, broker commissions, prepaid items, homeowner’s dues, or other fees not directly related to the transfer of ownership. (f) First-Time Homebuyer means an individual or individuals or an individual and his or her spouse who have not owned a home during the three-year period before the purchase of a home with subsidy assistance, except that the following individual or individuals may not be excluded from consideration as a First -Time Homebuyer under this definition: (i) a displaced homemaker who, while a homemaker, owned a home with his or her spouse or resided in a home owned by the spouse. A displaced homemaker is an adult who has not, within the preceding two (2) years, worked on a full-time basis as a member of the labor force for a consecutive twelve-month period and who has been unemployed or underemployed, experienced difficulty in obtaining or upgrading employment and worked primarily without remuneration to care for his or her home and family; (ii) a single parent who, while married, owned a home with his or her spouse or resided in a home owned by the spouse. A single parent is an individual who is unmarried or legally separated from a spouse and has one or more minor childre n for whom the individual has custody or joint custody or is pregnant; and (g) Purchaser’s Restrictive Covenant shall mean a recordable restrictive covenant signed by each purchaser of any portion of the Property, in the form attached to the DDA as Exhibit “F-1”, which shall be recorded prior to any deeds of trust or other liens (except for those liens for property taxes and assessments not yet payable). 5. Restriction on Transfer. (a) The Owner shall not voluntarily or involuntarily, in whole or in part, sell, convey, transfer, lease, sublease, assign, encumber, mortgage, refinance, or hypothecate the Property, or enter into agreements to sell, convey, transfer, lease, sublease, assign, encumber, DRAFT FOR DISCUSSION - C36510 F-62 P6401-0001\2274989v4.doc mortgage, refinance, or hypothecate the Property, except in c ompliance with the terms of this AHRA and the DDA, and with the prior written approval of the City Manager. Failure to obtain the prior written approval of the City Manager will be deemed a breach of this AHRA. (b) Any violation of the provisions hereof is prohibited and any sale or other transfer of the Property prohibited in Section 5(a) above, in whole or in part, during the Term shall be null, void and unenforceable and a breach of this AHRA. 6. Covenant to Maintain Affordability; Unit Breakdown. (a) The Site is being conveyed to the Owner to increase and improve the community’s supply of low and very low income housing available at an Affordable Housing Cost in accordance with the affordable housing requirements of the Community Redevelopment Law (California Health and Safety Code, Section 33000, et seq). The Owner shall sell, convey, assign, or transfer ownership or occupancy of the housing units on the Property only to Qualified Households who cannot obtain comparable housing at affordable costs on the open market as provided in Health and Safety Code Section 33334.2(e)(8). To this end, the Owner agrees that the Units shall be sold only at an Affordable Housing Cost and shall only be occupied by a Qualified Household as its sole and primary residence. (b) Eight of the housing units shall be sold at an Affordable Housing cost to Qualified Households whose income does not exceed eighty percent (80%) of AMI; three (3) of the housing units shall be sold at an Affordable Housing Cost to Qualified Households whose income does not exceed sixty percent (60%) of AMI; and three (3) of the housing units shall be sold at an Affordable Housing Cost to Qualified Households whose income does not exceed fifty percent (50%) of AMI. (c) The City Manager shall execute, or cause to be duly executed, acknowledged, and delivered to the escrow (with appropriate escrow instructions) for any sale of any Lot to a Qualified Household in accordance with this AHRA, a partial reconveyance for such Lot of the deed of trust executed by Owner in favor of City. (d) In exchange for the City’s partial reconveyance, and as a condition to selling the Property, the Owner shall: (i) require that the buyer of a Lot enter into a binding assignment and assumption agreement, acceptable to the City Manager in form and substance, and evidencing the assignment by the Owner and the assumption by the buyer of all of the then continuing obligations, covenants and agreements of the Owner contained in the DDA and related documents, and pertaining to the construction of the applicable Unit; (ii) deliver to the City a fully-executed copy of the Construction Administration Agreement (as defined in the DDA); and (iii) require the buyer of the Property to execute, acknowledge and deliver to the City a Purchase r’s Promissory Note and a deed of trust in favor of the City (securing such Promissory Note) and a Purchaser’s Restrictive Agreement in form and substance acceptable to the City Manager and consistent with the DDA. The Purchaser’s Restrictive Agreement and Deed of Trust shall be recorded as a condition to any sale, and the Purchaser’s Restrictive Agreement may not be subordinate to any deed of trust or other liens. DRAFT FOR DISCUSSION - C36510 F-63 P6401-0001\2274989v4.doc 7. Permitted Transfers and Mortgages. (a) Conveyance of Property. Any permitted transferee shall acquire the Property subject to the terms and conditions of the Purchaser’s Restrictive Agreement. (b) First Trust Deed - Purchase. A Qualified Household may upon its purchase of a Lot encumber it with a deed of trust securing a loan to finance the construction of the Unit, and that is consistent with the requirements of the DDA and the Purchaser’s Restrictive Agreement. No other encumbrance of the Property is permitted without the prior written consent of the City Manager, which consent may be granted or withheld in the City Manager’s sole and absolute discretion. 8. Controls and Procedures Regarding Sale of the Property. (a) When the Owner elects to sell the Property, the Owner shall, prior to signing a listing agreement or other authorization to sell with a real estate broker, first provide to the City Manager a notice (the “Notice of Proposed Sale”) setting forth the Owner’s intention to sell the Property, and certifying that the identified buyer is a Qualified Household. (b) The escrow instructio ns pertaining to the sale shall provide for conditions or contingencies of the type and nature customarily included in residential purchase escrows (including but not limited to financing contingencies, inspection rights, and preliminary title report approvals), provided that any such conditions or contingencies (other than the status of title to the Property at the time of conveyance and other conditions which by their nature cannot be satisfied prior to closing) must be satisfied or waived on or before the close of escrow. Escrow shall close within a reasonable time after opening thereof, but not earlier than sixty (60) days following the date upon which the notice of sale is received by the City Manager. (c) The Owner shall notify any proposed purchaser in writing prior to such person’s execution of escrow instructions, or purchase and sale agreement or similar agreement, whichever is earliest, that the title to the Property will be restricted in the manner described in the Purchaser’s Restrictive Agreeme nt (the forms of which shall be delivered by Owner to the prospective purchaser at least thirty (30) days prior to the proposed date of sale of the Property). In addition, the Owner shall cause the proposed purchaser to deliver to the City an executed cop y of any construction loan agreement with its lender with respect to the construction of the Unit, and in acceptable form and substance to the City Manager. (d) The Owner may require a deposit to open escrow in an amount not to exceed three percent (3%) of the purchase price. Title to the Property shall be delivered to the purchaser at the close of escrow free and clear of monetary liens and encumbrances, except as provided for in this AHRA. Closing costs shall be allocated between the buyer and seller ac cording to the customary practices in Riverside County in effect at the time the escrow is opened. (e) For the purpose of confirming with the City that a proposed purchaser is a Qualified Household that will be paying a purchase price that is in compliance with the terms hereof, the Owner (at least forty-five (45) days prior to the close of escrow for the Property) shall notify the City Manager in writing of any offer from a prospective purchaser which the Owner intends to accept, disclosing the identity of such prospective purchaser and providing the City with DRAFT FOR DISCUSSION - C36510 F-64 P6401-0001\2274989v4.doc such financial, credit, and other information on such prospective purchaser as required by the City, including the following: (i) Name and address of the purchaser. (ii) Number of persons comprising t he purchaser’s household and their names and ages. (iii) Proposed purchase price of the Property, and any other consideration for the purchase of the Property. (iv) Verification that the purchaser is a First Time Home Buyer. (v) Amount of down payment. (vi) Terms of any loan that will be used by the purchaser to finance the purchase of the Unit, including, but not limited to, principal, interest rate, term, and loan fees. (vii) Closing date. (viii) Aggregate annual income of the purchaser’s household. (ix) Most recent federal and state income tax returns of the purchaser and all other members of the purchaser’s household for the preceding two (2) calendar years, and verification of the proposed purchaser’s salary or wages from the purchaser’s employer or fro m current pay stubs showing year to date as well as period payroll for the preceding two (2) calendar years. (x) Copy of any proposed purchase and sale agreement, escrow instructions, loan application, or other agreements between the Owner and the purchase r of the Property or relating to the sale of the Unit including closing documents or any other documentation that the City deems appropriate. (xi) A written statement signed by the proposed purchaser that upon completion of construction, the Unit will be o ccupied by the purchaser of such Unit and used as his or her primary residence. In lieu of providing the foregoing information, these requirements shall be deemed to have been satisfied by delivery to the City Manager of a written certification of the fore going information from the purchaser’s lender who shall hold a first position trust deed encumbering the Property, which certification shall be furnished to the City Manager at least forty-five (45) days prior to the close of escrow for the Property. The City Manager shall have thirty (30) days to review the information (unless the City received the certification from prospective purchaser’s lender, in which case the City shall have fifteen (15) days to review the information). If the City Manager fails to disapprove the purchaser within such period of time, then the purchaser shall be deemed approved by the City. The City Manager may require the purchaser to submit other written documentation reasonably requested DRAFT FOR DISCUSSION - C36510 F-65 P6401-0001\2274989v4.doc by the City Manager to verify the informat ion set forth therein and to determine that the requirements of the Restrictive Agreement are being satisfied. If the City Manager receives all such prospective purchaser information requested by the City Manager, the City Manager shall determine whether the prospective purchaser is a Qualified Household, and shall thereafter immediately notify the Owner in writing that the prospective sale is authorized and approved, or that the prospective purchaser does not qualify to purchase the Unit as a Qualified Ho usehold. If the City Manager notifies the Owner that the sale is authorized and approved, the Owner shall proceed to complete the sale of the Property as soon as practicable. 9. Nondiscrimination Covenants. By the Owner’s acceptance hereof, the Owner agrees, for itself and its successors and assigns, to refrain from restricting the transfer of the Unit on the basis of race, color, creed, religion, ancestry, sex, marital status, national origin or age of any person. All such deeds and leases entered into with respect to the Property shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: (a) In deeds: “The grantee herein covenants by and for himself or hersel f, his or her heirs, executors, administrators and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of, any person or group of persons on account of any basis listed in subdivision (a) or (d) of Section 12955 of the California Government Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the California Government Code, in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the premises herein conveyed, nor shall the Grantee himself or herself, or any person claiming under or through him or her, establish or permit any practice or practices of discrimination or segr egation with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees or vendees in the premises herein conveyed. The foregoing covenants shall run with the land. Notwithstanding the immediately preceding paragraph, with respect to familial status, said paragraph shall not be construed to apply to housing for older persons, as defined in Section 12955.9 of the California Government Code. With respect to familial status, nothing in said paragraph shall be construed to affect Sections 51.2, 51.3, 51.4, 51.10, 51.11, and 799.5 of the California Civil Code, relating to housing for senior citizens. Subdivision (d) of Section 51 and Section 1360 of the California Civil Code and subdivisions (n), (o) and (p) of S ection 12955 of the California Government Code shall apply to said paragraph.” (b) In leases: “The lessee herein covenants by and for himself or herself, his or her heirs, executors, administrators and assigns, and all persons claiming under or through hi m or her, and this lease is made and accepted upon and subject to the following conditions: That there shall be no discrimination against or segregation of any person or group of persons, on account of any basis listed in subdivision (a) or (d) of Section 12955 of the California Government Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the California Government Code, in the leasing, subleasing, transferring, use or occupancy, tenure or enjoyment of the premises herein leased nor shall the lessee himself or herself, or any person claiming under or through him or her, establish or permit any such practice or practices of discrimination or segregation with reference DRAFT FOR DISCUSSION - C36510 F-66 P6401-0001\2274989v4.doc to the selection, location, number, use or occupancy of tenants, lessees, sublessees, subtenants or vendees in the premises herein leased. Notwithstanding the immediately preceding paragraph, with respect to familial status, said paragraph shall not be construed to apply to housing for older persons, as defined in Section 12955.9 of the California Government Code. With respect to familial status, nothing in said paragraph shall be construed to affect Sections 51.2, 51.3, 51.4, 51.10, 51.11, and 799.5 of the California Civil Code, relating to housing for senior citizens. Subdivision (d) of Section 51 and Section 1360 of the California Civil Code and subdivisions (n), (o) and (p) of Section 12955 of the California Government Code shall apply to said paragraph.” (c) In contracts: “The contracting party or parties hereby covenant by and for himself or herself and their respective successors and assigns, that there shall be no discrimination against or segregation of any person or group of persons, on account of any basis listed in subdivision (a) or (d) of Section 12955 of the California Government Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the California Government Code, in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the premises, nor shall the contracting party or parties, any subcontracting party or parties, or their respective assigns or transferees, est ablish or permit any such practice or practices of discrimination or segregation. Notwithstanding the immediately preceding paragraph, with respect to familial status, said paragraph shall not be construed to apply to housing for older persons, as defined in Section 12955.9 of the California Government Code. With respect to familial status, nothing in said paragraph shall be construed to affect Sections 51.2, 51.3, 51.4, 51.10, 51.11, and 799.5 of the California Civil Code, relating to housing for senior c itizens. Subdivision (d) of Section 51 and Section 1360 of the California Civil Code and subdivisions (n), (o) and (p) of Section 12955 of the California Government Code shall apply to said paragraph.” The foregoing shall be a covenant running with the la nd for the benefit of, and as a burden upon the Property, and shall remain in effect in perpetuity. 10. Maintenance of the Unit/Prohibition Against Waste. The Owner shall not commit waste upon the Property. The Owner shall not remove or demolish the impr ovements on the Property. The Owner shall, throughout the Term hereof, keep and maintain the Property and the improvements thereon in good condition and repair. If the Owner at any time fails to so keep and maintain the Property in good condition and rep air, after 30 days’ notice from the City Manager, the City shall have a right to enter onto the Property and perform such deferred maintenance, and the Owner shall promptly reimburse the City for all costs incurred by the City in performing such maintenance. 11. Default. No default notice shall be required or cure period provided for a default by Owner consisting of a conveyance of any portion of the Property in violation of this Agreement. If either party defaults with regard to any of the other provisio ns of this AHRA, the nondefaulting party may serve written notice of such default upon the defaulting party. If the default is not cured by the defaulting party within thirty (30) days after service of the notice of default, or if the default is not commenced to be cured within thirty (30) days after service of the notice of default and is DRAFT FOR DISCUSSION - C36510 F-67 P6401-0001\2274989v4.doc not cured promptly within a reasonable period of time after commencement, the defaulting party shall be subject to all rights and remedies of the other party for such de fault, including in the case of uncured default by Owner, the foreclosure of the Owner’s interest in the Property under the Deed of Trust as defined in the DDA. Upon a default by Owner (not cured within the cure period, if applicable), City may demand payment of the Promissory Note that is secured by the Property, and if not paid within ten (10) days, commence foreclosure of the Deed of Trust securing said Promissory Note, in addition to any other rights and remedies of City. 12. Notices. All notices to be delivered to the parties pursuant to the terms hereof shall be in writing and shall be delivered in person or by U.S. Mail or other delivery service to the addresses listed below. Any of the following addresses may be changed by written notice. If notice is given it shall be deemed effective upon 3 business days after deposit of same, postage prepaid, in the U.S. Mail, or the date of actual receipt as evidenced by personal acknowledgment, return receipt or other comparable means. If to Owner The Coachella Valley Housing Coalition 45-701 Monroe Street, Suite G Indio, California 92201 Attn: Julie Bornstein, Executive Director Tel. No.: Email: If to the City: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: Community Development Department Tel. No.: Email: 13. Covenants to Run With the Land. Subject to Section 7 hereof, the covenants established in this AHRA shall be binding on the Owner and any successor in interest of the Owner, and shall be for the benefit and in favor of the City, its successors and assigns. The City is deemed the beneficiary of the terms and provisions of this AHRA and of the covenants running with the land, for and in its own rights and for the purposes of prot ecting the interests of the community and other parties, public or private, in whose favor and for whose benefit this AHRA and the covenants running with the land have been provided. The covenants hereof shall be enforceable by any of the persons or entit ies set forth in Health and Safety Code Section 33334.3(f). The covenants established in this AHRA shall be incorporated by reference in all deeds conveying all or any portion of the Property. The Owner (and each successor in interest, as the case may be ) shall furnish a copy of this instrument to any successors in interest and assume all restrictions and conveyances as recorded on all said instruments secured by the Deed of Trust. The City shall have the right, in the event of any breach by the Owner of any covenant or agreement herein, to exercise DRAFT FOR DISCUSSION - C36510 F-68 P6401-0001\2274989v4.doc all the rights and remedies, and to maintain any actions at law or suits in equity or other proper proceedings to enforce the curing of such breach of covenant or agreement. Notwithstanding the foregoing, however, the Owner and the successors in interest to the Owner named herein shall be liable for performance hereof only during their respective period of ownership of the Property, provided that the “transferee” Owner has in writing assumed and agreed to perform the “transferor” Owner’s obligations hereunder. 14. No Speculative Investment . The Owner acknowledges that the acquisition of the Property by the Owner pursuant to this AHRA is not intended as a speculative financial investment. 15. Administration. The City may administer the terms hereof or may, from time to time assign its rights hereunder or designate another entity, person, licensed real estate broker or organization to administer the terms hereof. 16. Independent and Severable Provisions. If any provision of this instrument is held by a court of competent jurisdiction to be unenforceable or invalid, such holding shall not render unenforceable any other provision hereof, each provision hereof being expressly severable and independently enforceable to the fullest extent permitted by law. 17. Further Assurances and Recordations. The Owner covenants that upon request of the City Manager, the Owner, or its heirs, successors or assigns, will execute, acknowledge and deliver, or cause to be executed, acknowledged and delivered, such further instruments and agreements and do such further acts as may be necessary, desirable or proper to carry out more effectively the purpose of this instrument. At the expiration of the Term, the City Manager agrees to provide to the Owner an instrument in recordable form that has the effect of confirming the termination of the affordable housing requirements of this instrument. 18. Captions and Section Headings. Captions and section headings used herein are for convenience only and shall not be used in construing this instrument. 19. No Waiver. No waiver by the City of its rights hereunder, or of any breach by the Owner of any covenant, restriction, or condition herein contained, shall be effective unless such waiver is in writing, signed by the City Manager and delivered to the Owner. Any waiver by the City of its power to terminate the Owner’s estate herein or of any covenant, restriction, or condition herein contained, or the failure by the City to exercise any right or remedy with respect to any breach or breaches, shall not constitute a waiver or relinquishment for the future of any rights regarding subsequent sales, or of any such covenant or condition nor bar any right or remedy of the City in respect of any subsequent breach. 20. Entire Agreement . This instrument and its exhibits and/or attachments constitutes the entire agreement of the parties hereto, and the provisions hereof may be modified or amended only by a written instrument signed by the party to be char ged. 21. Attorneys’ Fees. In any action brought to declare the rights granted herein or to enforce or to interpret any of the terms of this AHRA, the prevailing party shall be entitled to an award of reasonable attorneys’ fees in an amount determined by t he court. DRAFT FOR DISCUSSION - C36510 F-69 P6401-0001\2274989v4.doc 22. Amendments. Only the City, its successors and assigns, and the Owner and its successors and assigns, shall have the right to consent and agree to changes in, or to eliminate in whole or in part, any of the covenants, easements, or other rest rictions contained in this AHRA, or to subject the Property to additional covenants, easements or other restrictions. 23. Successors and Assigns. This AHRA shall be binding upon and inure to the benefit of the City and the Owner, and their respective successors and assigns. The terms and provisions hereof shall run with the Property and shall be a burden upon the Property, and shall be binding upon the Owner’s successors in interest as purchasers of the Property, for the benefit of the City. 24. Insurance. Owner shall maintain, during the Term, an all-risk Property insurance policy insuring the Property in an amount equal to the full replacement value of all improvements on the Property. The policy shall name the City as loss payee and shall contain a st atement of obligation on behalf of the carrier to notify the City of any material change, cancellation or termination of coverage at least thirty (30) days in advance of the effective date of such material change, cancellation or termination. Owner shall transmit a copy of the certificate of insurance and loss payee endorsement to the City Manager within thirty (30) days of the effective date of this Agreement, and Owner shall annually transmit to City a copy of the certificate of insurance and loss payee endorsement, signed by an authorized agent of the insurance carrier setting forth the general provisions of coverage. The copy of the certificate of insurance and loss payee endorsement shall be transmitted to the Community Development Department as follo ws: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: Housing Division Any certificate of insurance must be in a form, content, and with companies approved by City Manager. DRAFT FOR DISCUSSION - C36510 F-70 P6401-0001\2274989v4.doc IN WITNESS WHEREOF, the parties hereto have executed this AHRA as of the day and year first above written. CITY: CITY OF PALM DESERT, a California municipal corporation By: Name: Title: OWNER: THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation By: Julie Bornstein, Executive Director By: Pedro S.G. Rodriguez Chief Financial Officer DRAFT FOR DISCUSSION - C36510 F-71 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF LOS RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-72 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF LOS RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the sa me in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-73 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or valid ity of that document. STATE OF CALIFORNIA COUNTY OF LOS RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-74 P6401-0001\2274989v4.doc EXHIBIT “A” LEGAL DESCRIPTION That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 EXHIBIT “F-1” FORM OF PURCHASER’S PROMISSORY NOTE, DEED OF TRUST AND RESTRICTIVE AGREEMENT (Attached.) DRAFT FOR DISCUSSION - C36510 F-1-76 P6401-0001\2274989v4.doc PURCHASER PROMISSORY NOTE $ , 202_ FOR VALUE RECEIVED, the undersigned (collectively, the “Borrower”) hereby promises to pay to the order of the City of Palm Desert (“Lender”) at the following address 73-510 Fred Waring Drive, Palm Desert, California 92260 or at such other place as the holder may from time to time designate by written notice to Borrower, in lawful money of the United States, the sum of Dollars ($ ) with simple interest at the rate of _____________ percent (__%) per annum on the stated principal balance from the date hereof, until paid. The obligation of the Borrower with respect to this Purchaser Promissory Note (“Note”) is secured by a deed of trust (the “Deed of Trust”), executed by the Borrower and dated substantially concurrently herewith. 1. Borrower’s Obligation. This Note evidences the obligation of the Borrower to the Lender for a pro -rata portion of a loan (the “CVHC Loan”) made by Lender to Coachella Valley Housing Coalition (“CVHC”) for the purchase price of land sold by the Lender to CVHC pursuant to that certain Disposition and Development Agreement by and between CVHC and the Lender dated as of _____________, 2020 (the “DDA”), which includes the land (the “Land”) now being acquired by Borrower from CVHC. This Note (and the Deed of Trust) is being given in exchange for Lender’s release and reconveyance of a deed of trust encumbering the Land and improvements on the Land (the “Property”) which secures the CVHC Loan. 2. Repayment of Loan Principal and Interest. No periodic payments are required hereunder. Borrower agrees to pay the unpaid principal balance, unpaid accrued interest, and any other amounts due under this Note upon the earliest of: (a) Upon sale, transfer, lease, or encumbrance of all or any interest in the Property in violation of that certain Purchaser’s Restrictive Agreement executed by Borrower and recorded against the Land (the “Restrictive Agreement”); or (b) Upon any other default by Borrower under the Restrictive Agreement or the DDA (as assignee of certain obligations and agreements of CVHC thereunder), that is not cured within any express cure period for such default granted therein; or (c) Upon a default under any obligation debt that is secured by a deed of trust or other lien on the Land that is senior or junior to the Deed of Trust and is not cured within the time period for cure, if any, expressly provided in the documents creating or securing the obligation. However, if sums outstanding under this Note do not become due and payable by the date that is forty-five (45) years from the date of the issuance by the lender of a final certificate of occupancy with respect to housing unit to be constructed by the Borrower on the Land, then all principal and accrued interest shall not be payable. DRAFT FOR DISCUSSION - C36510 F-1-77 P6401-0001\2274989v4.doc 3. Permitted Assignments. Borrower’s obligations under this No te may be assigned to and assumed by any Qualified Household (as defined in the Restrictive Agreement) who acquires the Land in compliance with such Restrictive Agreement. 4. Application of Payments. All payments received on account of t his Note shall be first applied to accrued interest, if any, and the remainder shall be applied to the reduction of principal. 5. Attorneys’ Fees. The Borrower hereby agrees to pay all costs and expenses, including reasonable attorneys’ fees, which may be incurred by the Lender in the enforcement of this Note. 6. Notices. Except as may be otherwise specified herein, any approval, notice, direction, consent, request or other action by the Lender shall be in writing and must be communicated to the Borrower at the address of the Property, or at such other place or places as the Borrower shall designate to the Lender in writing by certified mail, from time to time, for the receipt of communications from the Lender. 7. Prepayment Policy. Borrower may prepay this Note at any time without charge or premium with payments to be applied first to interest owed and then to the principal amount owed. 8. Governing Law. This Note shall be construed in accordance with and be governed by the, laws of the State of California. 9. Severability. If any provision of this Note shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired thereby. 10. No Waiver by the Lender. No waiver of any breach, default or failure of condition under the terms of the Note or Deed of Trust shall thereby be implied from any failure of the Lender to take, or any delay by the Lender in taking action with respect to such breach, default or failure or from any previous waiver of any similar or unrelated breach, default or failure; and a waiver of any term of the Note, Deed of Trust, or any of the obligations secured thereby must be made in writing and shall be limited to the express written terms of such waiver. MAILING ADDRESS OF BORROWER (ADDRESS FOR NOTICES): , Palm Desert, California 92260 SIGNATURE OF BORROWER(S): DRAFT FOR DISCUSSION - C36510 F-1-78 P6401-0001\2274989v4.doc RECORDING REQUESTED BY, AND WHEN RECORDED, MAIL TO: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, CA 92260 Attn: With a copy to: APN(s): 624-440-032, 624-440-034, 624- 440-035, 624-440-036, 624-441-014, 624- 441-015, 624-441-016, 624-441-017, 624- 441-018, 624-441-019, 624-441-020, 624- 441-021, 624-441-022 (Space Above This Line For Recorder’s Use) Free Recording Requested Pursuant To Government Code Section 27383 DEED OF TRUST, ASSIGNMENT OF RENTS AND SECURITY AGREEMENT This Deed of Trust, Assignment of Rents and Security Agreement is dated , 2020, and is executed by and , herein called Trustor, whose address is , in favor of First American Title Insurance Company, as Trustee, for the benefit of the CITY OF PALM DESERT, a California municipal corporation herein called Beneficiary. Witnesseth: That Trustor IRREVOCABLY GRANTS, TRANSFERS AND ASSIGNS TO TRUSTEE IN TRUST, WITH POWER OF SALE, that property in Riverside County, California, described in Exhibit A attached hereto and incorporated herein by this reference, together with all improvements and fixtures thereon and all goods and other personal property owned by Trustor and located thereon (collectively, the “Property”). TOGETHER WITH the rents, issues and profits thereof, SUBJECT, HOWEVER, to the right, power and authority hereinafter given to and conferred upon Beneficiary to collect and supply such rents, issues and profits. For the Purpose of Securing: 1. Performance of each agreement of Trustor herein contained. 2. Payment of principal and interest, if and when due, under that certain Promissory Note in the stated principal amount of $ dated substantially concurrently herewith executed by Trustor in favor of Beneficiary. DRAFT FOR DISCUSSION - C36510 F-1-80 P6401-0001\2274989v4.doc To Protect the Security of This Deed of Trust, Trustor Agrees: (1) To keep said Property in good cond ition and repair; not to remove or demolish any building thereon; to complete or restore promptly and in good workmanlike manner any building which may be constructed, damaged or destroyed thereon and to pay when due all claims for labor performed and materials furnished thereof; to comply with all laws affecting said Property, or requiring any alterations or improvements to be made thereon; not to commit or permit waste thereof; not to commit, suffer or permit any act upon said Property in violation of law ; and to do all other acts which from the character or use of said Property may be reasonably necessary, the specific enumerations herein not excluding the general. (2) To provide or cause to provide, maintain and deliver to Beneficiary fire insurance satisfactory to and with loss payable to Beneficiary and any superior trust deed holder, as their interests may appear. The amount collected under any fire or other insurance policy may be applied by Beneficiary upon any indebtedness secured hereby and in suc h order as Beneficiary may determine, or at option of Beneficiary the entire amount so collected or any part thereof may be released to Trustor. Such application or release shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. (3) To appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; and to pay all costs and expenses, including cost of evidence of title and attorney’s fees in a reasonable sum, in any such action or proceeding in which Beneficiary or Trustee may appear, and in any suit brought by Beneficiary to foreclose this Deed of Trust. (4) To pay: at least ten days before delinquency all taxes and assessments affecting said Property, including assessments on appurtenant water stock; when due, all encumbrances, charges and liens, with interest, on said Property or any part thereof, which appear to be prior or superior hereto; all costs, fees and expe nses of this Trust. Should Trustor fail to make any payment or to do any act as herein provided, then Beneficiary or Trustee, but without obligation so to do and without notice to or demand upon Trustor and without releasing Trustor from any obligation her eof, may: (a) make or do the same in such manner and to such extent as either may deem necessary to protect the security hereof, Beneficiary or Trustee being authorized to enter upon said Property for such purposes; (b) appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; (c) pay, purchase, contest or compromise any encumbrance, charge or lien which in the judgment of either appears to be prior or superior hereto; and (d) in exercising any such powers, pay necessary expenses, employ counsel and pay his reasonable fees. (5) To pay immediately and without demand all sums so expended by Beneficiary or Trustee, with interest from date of expenditure at the amount allowed by law in effect at the date hereof, and to pay for any statement provided for by law in effect at the date hereof regarding the obligation secured hereby any amount demanded by the Beneficiary not to exceed the maximum allowed by law at the time when said statement is demanded. DRAFT FOR DISCUSSION - C36510 F-1-81 P6401-0001\2274989v4.doc (6) That any award of damages in connection with any condemnation for public use of or injury to said Property or any part thereof is hereby assigned and shall be paid to Beneficiary (and to any superior trust deed holder, as their interests may appear) who may apply or release such moneys received by him in the same manner and with the same effect as above provided for disposition of proceeds of fire or other insurance. (7) That by accepting payment of any sum secured hereby after its due date, Beneficiary does not waive his right either to require prompt payment when due of all other sums so secured or to declare default for failure so to pay. (8) That at any time or from time to time, without liability therefore and without notice, upon written request of Beneficiary and presentation of this Deed of Trust and said note for endorsement, and without affecting the personal liability of any person for payment of the indebtedness secured hereby, Trustee may: (a) reconvey any part of said Property; (b) consent to the making of any map or plat thereof; (c) join in granting any easement thereon; or (d) join in any extension agreement or any agreement subordinating the lien or charge hereof. (9) That upon written request of Beneficiary stating that all sums secured hereby have been paid, and upon surrender of this Deed of Trust and said note to Trustee for cancellation and retention and upon payment of its fees, Trustee shall reconvey, without warranty, the Property then held hereunder. The recitals in such reconveyance of any matters or facts shall be conclusive proof of the truthfulness thereof. The grantee in such reconveyance may be described as “the person or persons legally entitled thereto.” Five years after issuance of such full reconveyance, Trustee may destroy said note and this Deed of Trust (unless directed in such request to retain them). (10) That as additional security, subject to the rights of superior trust deed holders, as their interests may appear, Trustor hereby gives to and confers upon Beneficiary the right, power and authority, during the continuance of these trusts, to collect the rents, issues and profits of said Property, reserving unto Trustor the right, prior to any default by Trustor in payment of any indebtedness secured hereby or in performance of any agreement hereunder, to collect and retain such rents, issues and profits as they become due and payable. Upon any such default, Beneficiary may at any time without notice, either in person, by agent, or by a rece iver to be appointed by a court, and without regard to the adequacy of any security for the indebtedness hereby secured, enter upon and take possession of said Property or any part thereof, in his own name sue for or otherwise collect such rents, issues and profits, including those past due and unpaid, and apply the same, less costs and expenses of operation and collection, including reasonable attorneys’ fees, upon any indebtedness secured hereby, and in such order as Beneficiary may determine. The entering upon and taking possession of said Property, the collection of such rents, issues and profits and the application thereof as aforesaid, shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. (11) That upon default by Trustor in payment of any indebtedness secured hereby, or in performance of any agreement hereunder, or default by Trustor under the DDA or Restrictive Agreement (each as defined in the Note), executed by Trustor that is not cur ed within the cure period, if any, described therein and applicable to the default, Beneficiary may declare all sums secured hereby immediately due and payable by delivery to Trustee of written declaration of DRAFT FOR DISCUSSION - C36510 F-1-82 P6401-0001\2274989v4.doc default and demand for sale and of written notice of default and election to cause to be sold said Property, which notice Trustee shall cause to be filed for record. After the lapse of such time as may then be required by law following the recordation of said notice of default, and notice of sale having been given as then required by law, Trustee, without demand on Trustor, shall sell said Property at the time and place fixed by it in said notice of sale, either as a whole or in separate parcels, and in such order as it may determine, at public auction to the highest bidder for cash in lawful money of the United States, payable at time of sale. Trustee may postpone sale of all or any portion of said Property by public announcement at such time and place of sale, and from time to time thereafter may post pone such sale by public announcement at the time fixed by the preceding postponement. Trustee shall deliver to such highest bidder its deed conveying the Property so sold, but without any covenant or warranty, express or implied. The recitals in such deed of any matters or facts shall be conclusive proof of the truthfulness thereof. Any person, including Trustor, Trustee, or Beneficiary may purchase the Property at such sale. After deducting all costs, fees and expenses of Trustee and of this Trust, inc luding cost of evidence of title in connection with sale, Trustee shall apply the proceeds of sale to payment of: all sums expended under the terms hereof, not then repaid, with accrued interest at the amount allowed by law in effect at the date hereof; all other sums then secured hereby; and the remainder, if any, to the person or persons legally entitled thereto. (12) Beneficiary, or any successor in ownership of any indebtedness secured hereby, may from time to time, by instrument in writing, substitute a successor or successors to any Trustee named herein or acting hereunder, which instrument, executed by the Beneficiary and duly acknowledged and recorded in the office of the recorder of the county or counties where said Property is situated, shall be co nclusive proof of proper substitution of such successor Trustee or Trustees, who shall, without conveyance from the Trustee predecessor, succeed to all its title estate, rights, powers and duties. Said instrument must contain the name of the original Trus tor, Trustee and Beneficiary hereunder, the book and page where this Deed of Trust is recorded and the name and address of the new Trustee. (13) That this Deed of Trust applies to, inures to the benefit of, and binds all parties hereto, their heirs, legatees, devisees, administrators, executors, successors and assigns. The term Beneficiary shall include the owner and holder, including pledges, of the note secured hereby, whether or not named as Beneficiary herein. In this Deed of Trust, whenever the conte xt so requires, the masculine gender includes the feminine and/or neuter, and the singular number includes the plural. (14) That Trustee accepts this Trust when this Deed of Trust, duly executed and acknowledged, is made a public record as provided by law. Trustee is not obligated to notify any party hereto of pending sale under any Deed of Trust or of any action or proceeding in which Trustor, Beneficiary or Trustee shall be a party unless brought by Trustee. (15) If the Trustor shall sell, lease, transfer, assign, convey, encumber, mortgage, hypothecate or alienate the real Property described herein, or any part thereof, or any interest therein, or shall be divested of title or any interest therein in any manner or way, whether DRAFT FOR DISCUSSION - C36510 F-1-83 P6401-0001\2274989v4.doc voluntarily or involuntarily (except as permitted by Beneficiary pursuant to the terms and conditions set forth in the Restrictive Agreement), or if Trustor shall fail to make any payments due under the note secured by this Deed of Trust, or fail to perform any other obligation unde r said Restrictive Agreement, this Deed of Trust or the note secured hereby, or any other deed of trust encumbering the subject Property, then Beneficiary shall have the right, at its option, to declare any indebtedness or obligations secured hereby, irrespective of the maturity date specified in any note evidencing the same, immediately due and payable. (16) Notwithstanding anything provided herein to the contrary, the Beneficiary agrees to look solely to the Trustor’s interest in the Property encumbered hereby and improvements thereon (or the proceeds thereof) for the satisfaction of any remedy of the Beneficiary, and for the collection of a judgment (or other judicial process) requiring the payment of money by the Trustor, except where such judgment results from a claim of fraud; intentional misrepresentation; misapplication; misappropriation; or wrongful retention of rental income; casualty insurance; condemnation proceeds; or other funds attributable to the Property; the commission of any act of deliberate waste with respect to the Property encumbered hereby; or the deposit of any hazardous or toxic materials on the Property encumbered hereby; in which events there shall be no such limitation on the Beneficiary’s recourse against the Trustor. (17) Any breach or default under the Restrictive Agreement or the DDA shall be deemed a breach of this Deed of Trust. (18) This Deed of Trust is also intended to be and shall constitute both a Security Agreement and a “fixture filing” as defined in the California Commercial Code, the Trustor being the Debtor and the Beneficiary being the Secured Party. Trustor hereby grants Beneficiary a security interest in all fixtures, and in all goods which are or are to become fixtures on the Land, for the purpose of securing all indebtedness and other obligations of Trustor now or hereafter secured by this Deed of Trust. The products of such collateral are also covered hereby. This Deed of Trust, as a fixture filing, is to be recorded in the real estate records covering the rea l property covered hereby. Trustor authorizes Beneficiary to execute, deliver, file and record (as necessary) financing and continuation statements covering such property from time to time in such form as Beneficiary may require to perfect and continue the perfection of Beneficiary’s security interest with respect to such property, and to reimburse Beneficiary for any costs incurred in filing such financing statements and any continuation statements. Trustor shall not create or allow the creation of any o ther security interest in such property. Upon the occurrence of any default by Trustor hereunder, Beneficiary shall have the rights and remedies of a secured party under the California Commercial Code, as well as all other rights and remedies available at law or in equity or as provided herein, all at Beneficiary’s option. Trustor and Beneficiary agree that the filing of a financing statement in the records normally having to do with personal property shall never be construed as in any way derogating from or impairing this declaration and the hereby stated intention of the parties hereto that everything used in connection with the operation or occupancy of such property or the production of income therefrom is and, at all times and for all purposes and in all proceedings, both legal and equitable, shall be regarded as real property encumbered by this Deed of Trust and fixture filing, irrespective of whether (a) any such item is physically attached to the buildings and improvements, (b) serial numbers are used for the better identification of certain equipment, or (c) any such item is referred to or reflected in any such financing statement so filed at any time. Such mention in the financing statement is declared to be for the protection of the DRAFT FOR DISCUSSION - C36510 F-1-84 P6401-0001\2274989v4.doc Beneficiary in the event any court or judge shall at any time hold that notice of Beneficiary’s priority of interest must be filed in the Uniform Commercial Code records to be effective against a particular class of persons, including, but not limited to, the federal g overnment and any subdivisions or entities of the federal government. The undersigned Trustor requests that a copy of any Notice of Default and of any Notice of Sale hereunder be mailed to him at his address hereinbefore set forth. DRAFT FOR DISCUSSION - C36510 F-1-85 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-1-86 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificat e is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-1-87 P6401-0001\2274989v4.doc EXHIBIT “A” LEGAL DESCRIPTION That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 DRAFT FOR DISCUSSION - C36510 F-1-88 P6401-0001\2274989v4.doc RECORDING REQUESTED BY AND WHEN RECORDED RETURN TO: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California Attn: With a copy to: EXEMPT FROM RECORDING FEES PURSUANT TO G.C. 6103 (Space Above This Line For Recorder’s Use) PURCHASER’S RESTRICTIVE AGREEMENT THIS PURCHASER’S RESTRICTIVE AGREEMENT (the “Restrictive Agreement”) including DECLARATIONS OF CONDITIONS, COVENANTS AND RESTRICTIONS dated as of the __ day of _____________, 20___ (the “Effective Date”), is by and between the CITY OF PALM DESERT, a California municipal corporation (the “City”), and ______________________________, a _____________________ (the “Owner”). RECITALS A. The Owner is concurrently herewith acquiring that certain real property to be improved with a single-family residence and located in the City of Palm Desert, County of Riverside, State of California described in Exhibit “A” attached hereto and incorporated herein by reference (the “Property”). B. The City and Coachella Valley Housing Coalition, a California nonprofit public benefit corporation (“Developer”) are parties to that certain Disposition and Development Agreement dated , 2020 (the “DDA”). Pursuant to the DDA, the Developer has acquired all necessary entitlements with respect to the Property and the Owner, as a Qualified Household (as defined below), is obligated under the DDA to construct a single-family residential dwelling unit on the Property (the “Unit”). The Owner is a Qualified Household. C. To further the interests of the City, and as required by the DDA, Owner has agreed to enter into and record this Restrictive Agreement, the purpose of which is to regulate and provide certain restrictions with regard to occupancy, resale, and ownership of the Property. NOW, THEREFORE, the parties agree as follows: DRAFT FOR DISCUSSION - C36510 F-1-89 P6401-0001\2274989v4.doc AGREEMENT 1. Fundamental Provisions. The following shall serve as the basic terms of this Restrictive Agreement: (a) The name of the Owner is _____________________________________. (b) The address of the Property is __________________ and it is legally described as attached in Exhibit “A”. (c) References herein to statutes or regulations shall be to such statutes or regulations as amended from t ime to time, and to any successor statutes and regulations. 2. Term of Restrictive Agreement . This Restrictive Agreement shall commence upon the date of recordation hereof in the official records of the County Recorder, and shall continue for a period of forty-five (45) years from the date of the issuance by the City of a final certificate of occupancy with respect to the Unit (the “Term”). The City has determined that forty-five (45) years is the longest period feasible for continuing the Term of this Re strictive Agreement. Upon resale of the Property, the City shall have the right to require the new buyer to enter into a new Affordable Housing Restriction Agreement in substantially the form hereof with a forty-five (45)- year term from the date of resale. 3. Definitions. For purposes of this Restrictive Agreement, the terms listed below shall have the meanings thereinafter specified. (a) AMI means the median family income of the Riverside-San Bernardino Statistical Area (SMSA), as determined and published annually by the California Department of Housing and Community Development (“HCD”), as described in California Health and Safety Code Section 50093, and the regulations promulgated thereunder. The AMI shall be adjusted for family size in accordance with state regulations adopted pursuant to California Health and Safety Code Section 50052.5. (b) Affordable Housing Cost means a housing cost which is calculated pursuant to California Health and Safety Code Section 50052.5, as amended from time to time, and for the purposes hereof, the term “housing cost” shall have the meaning ascribed to such term in Title 25 of the California Code of Regulations Section 6920, as amended from time to time, and the term “gross income” shall have the meaning ascribed to such term in Title 25 of the California Code of Regulations Section 6914. (c) Person, Family, or Household of Low or Very Low Income means a person, family or household of one or more persons occupying the same housing unit whose household income does not exceed the limits set forth in California Health and Safety Code Sections 5093, 50105 and Title 25 of the California Code of Regulations Section 6910, et seq., adjusted for family size. (d) Qualified Household means a Person, Family, or Household of Low or Very Low Income whose income does not exceed ___% [80%] [60%] [50%] of the AMI. [PICK THE PERCENTAGE THAT APPLIES TO BUYER/OWNER] and that would not cause the DRAFT FOR DISCUSSION - C36510 F-1-90 P6401-0001\2274989v4.doc occupancy of the Unit to exceed the maximum occupancy allowed by the Palm Desert Municipal Code. (e) Escrow and Title Costs are to include only those customary fees charged by an escrow agent and title insurance company with respect to the administration of escrow and the issuance of an owner’s policy of title insurance. These are not to include loan fees, refinancing fees, broker commissions, prepaid items, homeowner’s dues, or other fees not directly related to the transfer of ownership. (f) First-Time Homebuyer means an individual or individuals or an individual and his or her spouse who have not owned a home during the three-year period before the purchase of a home with subsidy assistance, except that the following individual or individuals may not be excluded from consideration as a First -Time Homebuyer under this definition: (i) a displaced homemaker who, while a homemaker, owned a home with his or her spouse or resided in a home owned by the spouse. A displaced homemaker is an adult who has not, within the preceding two (2) years, worked on a full-time basis as a member of the labor force for a consecutive twelve-month period and who has been unemployed or underemployed, experienced difficulty in obtaining or upgrading employment and worked primarily without remuneration to care for his or her home and family; (ii) a single parent who, while married, owned a home with his or her spouse or resided in a home owned by the spouse. A single parent is an individual who is unmarried or legally separated from a spouse and has one or more minor children for whom the individual has custody or joint custody or is pregnant; and (g) Owner means both the party identified as “Owner” in first paragraph of this Restrictive Agreement, and any successor in interest of such Owner with respect to the Property. 4. Restriction on Transfer. (a) The Owner shall not voluntarily or involuntarily, in whole or in part, sell, convey, transfer, lease, sublease, assign, encumber, mortgage, refinance, or hypothecate the Property, or enter into agreements to sell, convey, transfer, lease, sublease, assign, encumber, mortgage, refina nce, or hypothecate the Property, except in compliance with the terms of this Restrictive Agreement and the DDA, and with the prior written approval of the City Manager. Failure to obtain the prior written approval of the City Manager will be deemed a bre ach of this Restrictive Agreement. (b) Any violation or breach of the provisions hereof is prohibited and any sale or other transfer of the Property enumerated in Section 4(a) above, in whole or in part, without the City Manager’s written approval, during the Term, as defined herein, shall be null, void and unenforceable. (c) In the event of the death of the Owner with no qualified surviving joint tenants, the City will work with the heirs, probate court, or other responsible party to either exercise its option to reacquire the Property in accordance with Section 8 hereof or identify a Qualified Household to purchase the Property. DRAFT FOR DISCUSSION - C36510 F-1-91 P6401-0001\2274989v4.doc 5. Covenant to Maintain Affordability. (a) The Property is being conveyed to the Owner to increase and improve the community’s supply of low-income housing available at an Affordable Housing Cost. The Owner shall sell, convey, assign, or transfer ownership or occupancy of the Property only to persons who cannot obtain comparable housing at affordable costs on the open market as pro vided in Health and Safety Code Section 33334.2(e)(8). To this end, the Owner agrees that during the Term the Property shall, except as provided in Sections 6, 8 and 9 hereof, remain available only at an Affordable Housing Cost and shall only be occupied by Qualify Households. In addition, if, without the City Manager’s consent, the Owner fails to occupy the Unit as the Owner’s sole and primary residence for a period of ninety (90) calendar days, cumulatively, in any calendar year, then the Owner shall be in breach of this Restrictive Agreement. (b) Subject to the provisions of Section 12 hereof, if after the expiration of the entire Term the Owner has not either (i) sold, conveyed, transferred, or assigned the Property except to a Qualified Household, where expressly permitted by Section 6 hereof, or (ii) leased or subleased the Property in violation of the terms hereof, or (iii) refinanced, hypothecated, encumbered, or mortgaged the Property in violation of the terms hereof, or (iv) sold the Property at a price exceeding the maximum price permitted under Section 11 hereof, or (v) otherwise breached the terms and provisions hereof, then the City shall remove the affordability restriction. (c) As a condition to selling the Property, Owner and any person or e ntity to whom Owner sells the Property or any other successors in interest to the Property, who will then also be an “Owner”, shall require the buyer of the Property to execute, acknowledge and deliver to the City Manager an assumption of this Restrictive Agreement and of the Promissory Note that was executed by Owner (in form and substance acceptable to the City Manager) which shall include a requirement that any subsequent buyer of the Property shall also execute, acknowledge and deliver to the City Manag er such an assumption agreement. 6. Permitted Transfers and Mortgages. (a) Conveyances to Qualified Households Property. Subject to the option rights of the City herein, the Owner may convey the Property to Qualified Households, on the condition that (i) the Owner has completed the construction of the subject Unit on the Property and the City has issued a final Certificate of Occupancy with respect thereto; (ii) the Owner complies with the requirements of Sections 9 and 11 hereof, (iii) the purchaser covenants to occupy the Unit as such party’s sole and primary residence, and (iv) the purchase price does not exceed the maximum permitted resale price set forth in Section 11 hereof. Any permitted transferee shall acquire the Property subject to the terms and conditions hereof or a new Affordable Housing Restriction Agreement at the City Manager’s discretion. Any permitted transferee shall execute in recordable form any documents necessary to accommodate the transfer in form and content satisfactory to the City Manager. (b) Intra-Family Conveyances. The following transfers of title shall not be breaches of this instrument: transfer by gift, devise, or inheritance to the Owner’s spouse; taking of title by surviving joint tenant that is the Owner’s spouse; transfer of title to a spouse as part of a divorce or dissolution proceeding; acquisition of title in conjunction with marriage; transfers of DRAFT FOR DISCUSSION - C36510 F-1-92 P6401-0001\2274989v4.doc title to adult child when the child is approved by the City Manager or his designee as a Qualified Household at the time of transfer. A transfer to children of the Owner where the income of such children exceeds the maximum household income permitted hereunder shall give rise to the option in favor of the City to purchase the Property described in Section 8; provided, however, such option shall be exercised by the City within 60 days after receipt by the City of written notice of such transfer, and the purchase price shall be the amount set forth in Section 8(e). (c) First Trust Deed - Purchase/Construction. The Owner may encumber the Property with a senior deed of trust or mortgage securing a purchase money/construction loan on the condition that the trust deed finances the construction cost of the Unit and complies with the terms of this Restrictive Agreement. (d) Refinancing of First Trust Deed. The Owner, may refinance any such purchase money loan secured by a deed or mortgage encumbering the Unit provided that prior written approval of the transaction is obtained from the City according to the notification and approval process designated in Section 10 belo w. Approval will be subject to the limitations that the principal amount, interest, terms and conditions are reasonable at the time the refinancing takes place (in the opinion of the City), and that the principal amount thereof does not exceed the origina l principal amount of the loan secured by the first trust deed or mortgage being refinanced (plus reasonable loan fees and costs) and together with all subordinate deeds of trust and liens does not over encumber the property or make the cost of owning the Property exceed the Affordable Housing Cost. Failure to obtain prior City approval to refinance any such trust deed or mortgage encumbering the Unit shall be deemed a violation or breach of terms of this Restrictive Agreement and at the option of the City shall constitute a default hereunder. (e) Junior Deeds of Trust. Any loan to be secured by a deed of trust encumbering the Property shall require the prior written approval of the City Manager according to the notification and approval process designated in Section 10 below. The City Manager shall consider in good faith whether to permit a loan of the aforementioned type, subject to the restrictions that the proceeds of said loan are to be used to pay for repairs or the construction of improvements to the Property, on the following terms and conditions: (i) the principal amount of such loan shall not exceed the cost of the repairs or the improvements (plus loan fees and loan costs), (ii) the loan is originated by a bank, savings and loan association, or other institutional lender, (iii) the interest rate and payment terms thereon are reasonable (in the City Manager’s opinion), (iv) the Owner shall be capable of meeting the monthly payments provided by such loan (in the City’s opinion), and (v) the Propert y is not over encumbered. The improvements to be finance with the proceeds of any loan shall not include any items that are of a luxury nature, i.e., in or above ground pools or spas, interior or exterior decorative items. Failure to obtain prior approval for any loan to be secured by a deed of trust encumbering the Property shall be deemed a violation or breach of the terms of this Restrictive Agreement and at the option of the City shall constitute a default hereunder. DRAFT FOR DISCUSSION - C36510 F-1-93 P6401-0001\2274989v4.doc 7. Subordination to First Trust Deed Encumbrances. This Restrictive Agreement shall not be subordinated to any deed of trust on the Property without the prior written consent of the City Manager, which consent may be given or withheld in his sole and absolute discretion. 8. City Option to Purchase. (a) Option. In order to maintain and insure that the Unit shall remain affordable to and only occupied by a Qualified Household, the City is hereby granted an option, throughout the Term hereof, to purchase the Property if the Owner desires t o transfer the Property, or to find another Qualified Household to purchase the Property. The option shall be exercised in writing by the City Manager, if at all, within sixty (60) days after the City Manager’s receipt of the written notice (the “Notice o f Proposed Sale”) of the Owner’s desire to transfer the Property as provided in Section 9(a), below. During such sixty (60) day period Owner may also concurrently attempt to market the Property to sell it to a Qualified Household, as provided in Section 9 hereof. With City approval, the Owner may enter into an agreement to sell the Property to a Qualified Household at a price that does not exceed the maximum price set forth in Section 11 hereof. Provided the City Manager approves the Qualified Household that the owner presents, then the City shall not then exercise the option or find another buyer. If the City exercises the Option, then the City Manager shall promptly open escrow thereafter and shall close escrow for the purchase of the Unit prior to the date that is sixty (60) days after the City opens escrow. Title to the Property shall be delivered to the City at the close of escrow free and clear of monetary liens and encumbrances, and closing costs shall be allocated in the fashion as is customary for buyers and sellers in Riverside County. (b) City’s Failure to Close Following Exercise of the Option. If the City exercises the option to purchase but, due to the City’s sole fault, the City does not close escrow within one hundred twenty (120) days a fter the date the City first received the Notice of Proposed Sale, then the Owner shall be entitled to sell the Property to a person or family that is not a Qualified Household, provided, however, (i) if the Property is sold to a person or family that is not a Qualified Household or (ii) if the Property is sold at a price that exceeds the maximum resale price set forth in Section 11 hereof, then the Owner shall repay the Loan. (c) Terms of Purchase. If the City exercises the option, the purchase price to be paid by the City shall be paid all in cash at the close of escrow. The Owner may require a deposit to open escrow in an amount not to exceed three percent (3%) of the purchase price. Title to the Property shall be delivered to the City at the close of escrow free and clear of monetary liens and encumbrances. Closing costs shall be allocated between the buyer and seller according to the customary practices in Riverside County in effect at the time the option is exercised. (d) Conditions to Close of Escrow. The escrow instructions may provide for conditions or contingencies of the type and nature customarily included in residential purchase escrows (including but not limited to inspection by the City and elimination of pests, and preliminary title report approvals), provided that any such conditions or contingencies (other than the status of title to the Property at the time of conveyance and other conditions which by their nature cannot be satisfied prior to closing) must be satisfied or waived on or before the close of escrow. The proceeds of the sale shall be used to pay off all monetary liens and encumbrances DRAFT FOR DISCUSSION - C36510 F-1-94 P6401-0001\2274989v4.doc upon the close of escrow. Escrow shall close within sixty (60) days after the City exercises its option to purchase. (e) Purchase Price. The purchase price of the Property to be paid by the City pursuant to the City’s exercise of the Option shall be the lesser of: (i) The actual purchase price paid by the Owner for the Property plus the costs incurred by the Owner in the construction of the Unit , plus reasonable and customary Escrow and Title Costs actually incurred by the Owner in purchasing such Property, times a fraction, the numerator of which is the AMI for the year in which the sale takes place, and the denominator of which is AMI in which the Owner purchased the Property (and subtracting therefrom the amount of the Loan, which the City shall assume from the Owner); or (ii) the maximum resale price determined pursuant to Section 11(a), below, assuming that the City, as purchaser, is of the same income category as was the seller at the time the seller purchased the Property; or (iii) the fair market value of the Property, as determined by an appraiser approved by the City Manager. 9. Resale Price Controls and Procedures. (a) If the Owner elects at any time to sell the Property, then the Owner shall, prior to signing a listing agreement or other authorization to sell with a real estate broker, first provide to the City Manager a notice (the “Notice of Proposed Sale”) setting forth the Owner’s intention to sell the Property, and a property information form to be prepared by the City. Such Notice shall contain information about the Owner’s original purchase price of the Property. City Manager shall have sixty (60) days from the time following the receipt by the City Manager of the Notice to find a new buyer for the Property being sold, or sixty (60) days to exercise the City’s option to purchase described in Section 8; provided, however, the City or its designee may shorten such time period upon a showing of hardship by the Owner. The Owner agrees to consider as purchasers those Qualified Households identified on a list that may be maintained by the City. Nothing contained herein shall be construed as imposing on the City any obligation to find a purchaser of the Unit if the Owner has elected to sell the Property. (b) If the Owner resells the Property to a Qualified Household at a price that does not exceed the price set forth in Section 11, then the provisions hereof shall continue to encumber t he Property, and the City shall subordinate its interest in this Restrictive Agreement and the Deed of Trust as provided in Section 7 hereof. Each successor in interest to Owner that is a Qualified Household shall acquire the Property subject to the affor dability covenants of forty- five (45) years, and restrictions on such property provided in this Restrictive Agreement and the Deed of Trust; and if City purchases such property and resells the Property, such acquisition shall not operate to merge this Rest rictive Agreement and the Deed of Trust into the City’s fee interest. (c) If, after expiration of the sixty (60) day period, City or its designee has failed to procure an eligible and qualified buyer and the City has not exercised its option, then the Owner shall then be free to seek a buyer for the Property without any limitation on resale price or income category of the purchaser. DRAFT FOR DISCUSSION - C36510 F-1-95 P6401-0001\2274989v4.doc (d) The escrow instructions may provide for conditions or contingencies of the type and nature customarily included in residential purchase escrows (including but not limited to financing contingencies, inspection rights, and preliminary title report approvals), provided that any such conditions or contingencies (other than the status of title to the Property at the time of conveyance and other conditions which by their nature cannot be satisfied prior to closing) must be satisfied or waived on or before the close of escrow. The proceeds of the sale shall be used to pay off all monetary liens and encumbrances upon the close of escrow. Escrow shall close within a reasonable time after opening thereof. (e) The Owner shall notify any proposed purchaser in writing prior to such person’s execution of escrow instructions, deposit receipt, purchase and sale agreement or similar agreement, whichever is earliest, that the title to the Property will be restricted in the manner described herein. (f) The Owner may require a deposit to open escrow in an amount not to exceed three percent (3%) of the purchase price. Title to the Property shall be delivered to the purchaser at the close of escrow free and clear of monetary liens and encumbrances, except as provided for in this Restrictive Agreement. Closing costs shall be allocated between the buyer and seller according to the customary practices in Riverside County in effect at the time the escrow is opened. (g) For the purpose of confirming with the City that a proposed purchaser is a Qualified Household that will be paying a purchase price that is in compliance with the terms hereof, the Owner shall notify the City Manager in writing of any offer from a prospective purchaser which the Owner intends to accept, disclosing the identity of such prospective purchaser and providing the City with such financial, credit, and other information on such prospective purchaser as required by the City, including the following: (i) Name and address of the purchaser. (ii) Number of persons comprising the purchaser’s household and their names and ages. (iii) Proposed purchase price of the Property, and any other consideration for the purchase of the Property. (iv) Verification purchaser is a First Time Home Buyer. (v) Amount of down payment. (vi) Terms of any loan that will be used by the purchaser to finance the purchase of the Unit, including, but not limited to, principal, interest rate, term, and loan fees. (vii) Closing date. (viii) Aggregate annual income of the purchaser’s household. (ix) Most recent federal and state income tax returns of the purchaser and all other members of the purchaser’s household for the preceding two (2) calendar years, and DRAFT FOR DISCUSSION - C36510 F-1-96 P6401-0001\2274989v4.doc verification of the proposed purchaser’s salary or wages from the purchaser’s employer or from current pay stubs showing year to date as well as period payroll for the preceding two (2) calendar years. (x) Copy of any proposed purchase and sale agreement, escrow instructions, loan application, or other agreements between the Owner and the purchaser of the Property or relating to the sale of the Unit including closing documents or any other documentation that t he City deems appropriate to implement this Restrictive Agreement. (xi) A written statement signed by the proposed purchaser that the Unit will be occupied by the purchaser of such Unit and used as his or her primary residence. In lieu of providing the foregoing information, these requirements shall be deemed to have been satisfied by delivery to the City Manager of a written certification of the foregoing information from the purchaser’s lender who shall hold a first position trust deed encumbering the Pro perty, which certification shall be furnished to the City Manager at least 15 days prior to the close of escrow for the Property. The City Manager shall have 30 days to review the information (unless the City received the certification from prospective purchaser’s lender, in which case the City shall have 15 days to review the information). If the City Manager fails to approve the purchaser within such period of time, then the purchaser shall be deemed approved by the City. The City Manager may require the purchaser to submit other written documentation reasonably requested by the City Manager to verify the information set forth herein and to determine that the Affordable Housing Cost restrictions of this instrument are being satisfied. If the City Manager receives all such prospective purchaser information requested by the City Manager, the City Manager shall determine whether the prospective purchaser is a Qualified Household, and shall thereafter immediately notify the Owner in writing that the prospect ive sale is authorized and approved, or that the prospective purchaser does not qualify to purchase the Unit as a Qualified Household. If the City Manager notifies the Owner that the sale is authorized and approved, the Owner shall proceed to complete the sale of the Property within seventy-five (75) days of the date of such approval from the City Manager. 10. Notification Prior to Mortgage, Encumbrance or Hypothecation. If Owner desires to refinance any loan secured by a first trust deed encumbering the Unit pursuant to Section 6(d), or to borrow funds for a new loan to be secured by a junior trust deed encumbering the Unit the proceeds of which are to be used to pay for repairs or the construction of improvements to the Property pursuant to Section 6(e), prior written approval of the City Manager is required. To request approval, at least 30 days prior to the recordation of the intended deed of trust or mortgage, the Owner shall submit to the City Manager in writing the following information: (a) Name and address of lender. (b) Terms of the loan, including, but not limited to, principal, interest rate, term, and loan fees. (c) Closing date of the loan. DRAFT FOR DISCUSSION - C36510 F-1-97 P6401-0001\2274989v4.doc (d) Copy of any proposed escrow instructions, loan application, or other agreements between the Owner and the lender. (e) Written documentation of compliance with the conditions for City approval as set forth in Section 6(d) or Section 6(e), whichever applies. (f) Other written documentation reasonably requested by the City to verify the information set forth herein. The City Manager shall have twenty (20) working days, after its receipt of all of such information to approve or disapprove the proposed refinancing or loan. 11. Restriction on Resale Price. Except as otherwise provided in by Sections 8 and 9, the Owner shall not resell the Property at a price higher than the lesser of the following: (a) An Affordable Housing Cost for the prospective purchaser, assuming (i) a reasonable down payment, and (ii) a 30 year fixed rate mortgage at prevailing interest rates. (b) The sum of: (i) the selling Owner’s original purchase price for the Unit times a fraction, the numerator of which is the AMI for the year in which the sale takes place, and the denominator of which is AMI in which the Owner purchased the Unit; p lus (ii) Escrow and Title Costs; plus (iii) if the Owner sells the Property after a default under a mortgage or deed of trust, but prior to a trustee’s sale or foreclosure sale, the purchase price shall be further increased by all expenses actually incurred by the holder of such mortgage or beneficiary under such deed of trust due to the Owner’s default including, but not limited to, trustee’s fees, attorney’s fees, costs of sale and debt service on the debt secured by such mortgage or deed of trust. (c) the fair market value of the Property, as determined by an appraiser approved by the City Manager. 12. Annual Report. The City Manager shall have the option of requesting information not more than once annually, to implement and verify compliance wit h this Restrictive Agreement. 13. Nondiscrimination Covenants. By the Owner’s acceptance hereof, the Owner agrees, for itself and its successors and assigns, to refrain from restricting the transfer of the Unit on the basis of race, color, creed, religion, ancestry, sex, marital status, national origin or age of any person. All such deeds and leases entered into with respect to the Property shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: (a) In deeds: “The grantee herein covenants by and for himself or herself, his or her heirs, executors, administrators and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of, any person or group of persons on account of any basis listed in subdivision (a) or (d) of Section 12955 of the California Government DRAFT FOR DISCUSSION - C36510 F-1-98 P6401-0001\2274989v4.doc Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the California Government Code, in the sale, transfer, use, occupancy, tenure or enjoyment of the premises herein conveyed, nor shall the Grantee himself or herself, or any person claiming under or through him or her, establish or permit any practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of vendees in the premises herein conveyed. The foregoing covenants shall run with the land. Notwithstanding the immediately preceding paragraph, with respect to familial status, said paragraph shall not be construed to apply to housing for older persons, as defined in Section 12955.9 of the California Government Code. With respect to familial status, nothing in said paragraph shall be construed to affect Sections 51.2, 51.3, 51.4, 51.10, 51.11, and 799.5 of the California Civil Code, relating to housing for senior citizens. Subdivision (d) of Section 51 and Section 1360 of the California Civil Code and subdivisions (n), (o) and (p) of S ection 12955 of the California Government Code shall apply to said paragraph.” (b) In contracts: “The contracting party or parties hereby covenant by and for himself or herself and their respective successors and assigns, that there shall be no discrimina tion against or segregation of any person or group of persons, on account of any basis listed in subdivision (a) or (d) of Section 12955 of the California Government Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the California Government Code, in the sale, transfer, use, occupancy, tenure or enjoyment of the premises, nor shall the contracting party or parties, any subcontracting party or parties, or their respective assigns or transferees, establish or permit any such practice or practices of discrimination or segregation. Notwithstanding the immediately preceding paragraph, with respect to familial status, said paragraph shall not be construed to apply to housing for older persons, as defined in Section 12955.9 of the California Government Code. With respect to familial status, nothing in said paragraph shall be construed to affect Sections 51.2, 51.3, 51.4, 51.10, 51.11, and 799.5 of the California Civil Code, relating to housing for senior citizens. Subdivision (d) of Section 51 and Section 1360 of the California Civil Code and subdivisions (n), (o) and (p) of Section 12955 of the California Government Code shall apply to said paragraph.” The foregoing shall be a covenant running with the land for the benefit of, and as a burden upon the Property, and shall remain in effect in perpetuity. Nothing contained herein shall be construed as permitting the Owner or Successors to rent or lease the Propert y without the City’s prior written consent. 14. Completion of Back Yard; Maintenance of the Unit/Prohibition Against Waste . Owner shall complete back yard improvements (that can feature greenery, hardscape, and other features as it prefers to long as it minimizes exposed native soil) within twelve (12) months after the Owner receives a certificate of occupancy issued by the City. All such improvements shall be made in a workmanlike manner. The Owner shall not commit waste upon the Property. The Owner shall not remove or demolish the improvements on the Property. The Owner shall, throughout the Term hereof, keep and maintain the Property and the improvements thereon in good condition and repair. If the Owner at any time fails to so keep and maintain the Property in good DRAFT FOR DISCUSSION - C36510 F-1-99 P6401-0001\2274989v4.doc condition and repair, after thirty (30) days’ notice from the City Manager, the City shall have a right to enter onto the Property and perform such deferred maintenance, and the Owner shall promptly reimburse the City for all costs incurr ed by the City in performing such maintenance. 15. Default. No default notice shall be required or cure period shall be provided for a default by Owner consisting of a conveyance of the Property in violation of this Agreement. If either party defaults with regard to any of the other provisions of this Restrictive Agreement, the nondefaulting party shall serve written notice of such default upon the defaulting party. If the default is not cured by the defaulting party within thirty (30) days after service of the notice of default, or if the default is not commenced to be cured within thirty (30) days after service of the notice of default and is not cured promptly within a reasonable period of time after commencement, the defaulting party shall be liable t o the other party for damages caused by such default. Upon any such default by Owner (not cured within the cure period, if applicable), City may (in addition to any other rights or remedies it may have), demand payment of the Promissory Note in favor of City secured by the Property, and if not paid within ten (10) days, commence foreclosure of the deed of trust securing said Promissory Note. 16. Notices. All notices to be delivered to the parties pursuant to the terms hereof shall be in writing and shall be delivered in person or by U.S. Mail or other delivery service to the addresses listed below. Any of the following addresses may be changed by written notice. If notice is given it shall be deemed effective upon 3 business days after deposit of same, po stage prepaid, in the U.S. Mail, or the date of actual receipt as evidenced by personal acknowledgment, return receipt or other comparable means. If to Owner: If to the City: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: Community Development Department Tel. No.: Email: 17. Covenants to Run With the Land. The covenants established in this Restrictive Agreement shall be binding on the Owner and any successor in interest of the Owner, and shall be for the benefit and in favor of the City, its successors and assigns, [?] [and Alphonso Sanchez the real party in interest under that certain Stipulation for Entry of Judgment, Riverside County Superior Court Case No. INDIO 51124; and such covenants shall run with the land in favor of the City and shall be a burden upon the Property and shall be for the benefit of the parcels that comprise the Project Area owned by the City of Palm Desert, as described in Instrument No. 23610, recorded on December 22, 1981 in the Official Records of Riverside County.] [?] The City is deemed the beneficiary of the terms and provisions of this Restrictive Agreement and of the covenants running DRAFT FOR DISCUSSION - C36510 F-1-100 P6401-0001\2274989v4.doc with the land, for and in its own rights and for the purposes of protecting the interests of the community and other parties, public or private, in whose favor and for whose benefit this Restrictive Agreement and the covenants running with the land have been provided. The covenants hereof shall be enforceable by any of the persons or entities set fo rth in Health and Safety Code Section 33334.3(f). The covenants established in this Restrictive Agreement shall be incorporated by reference in all deeds conveying all or any portion of the Property. The Owner (and each successor in interest, as the case may be) shall furnish a copy of this instrument to any successors in interest. The City shall have the right, in the event of any breach by the Owner of any covenant or agreement herein, to exercise all the rights and remedies, and to maintain any actions at law or suits in equity or other proper proceedings to enforce the curing of such breach of covenant or agreement. Notwithstanding the foregoing, however, the Owner and the successors in interest to the Owner named herein shall be liable for performan ce hereof only during their respective period of ownership of the Unit, provided that the “transferee” Owner has in writing assumed and agreed to perform the “transferor” Owner’s obligations hereunder. 18. No Speculative Investment . The Owner acknowledges that the acquisition of the Property by the Owner pursuant to this Restrictive Agreement is not intended as a speculative financial investment. 19. Administration. The City may administer the terms hereof or may, from time to time assign its rights hereunder or designate another entity, person, licensed real estate broker or organization to administer the terms hereof. 20. Independent and Severable Provisions. If any provision of this instrument is held by a court of competent jurisdiction to be unenforceable or invalid, such holding shall not render unenforceable any other provision hereof, each provision hereof being expressly severable and independently enforceable to the fullest extent permitted by law. 21. Further Assurances and Recordations. The Owner covenants that upon request of the City Manager, the Owner, or its heirs, successors or assigns, will execute, acknowledge and deliver, or cause to be executed, acknowledged and delivered, such further instruments and agreements and do such further acts as may be necessary, desirable or proper to carry out more effectively the purpose of this instrument. At the expiration of the Term, the City Manager agrees to provide to the Owner an instrument in recordable form that has the effect of confirm ing the termination of the affordable housing requirements of this instrument. 22. Captions and Section Headings. Captions and section headings used herein are for convenience only and shall not be used in construing this instrument. 23. No Waiver. No waiver by the City of its rights hereunder, or of any breach by the Owner of any covenant, restriction, or condition herein contained, shall be effective unless such waiver is in writing, signed by the City Manager and delivered to the Owner. Any waiver by the City of its power to terminate the Owner’s estate herein or of any covenant, restriction, or condition herein contained, or the failure by the City to exercise any right or remedy with respect to any breach or breaches, shall not constitute a waiver or relinquishment for the future of any rights regarding subsequent sales, or of any such covenant or condition nor bar any right or remedy of the City in respect of any subsequent breach. DRAFT FOR DISCUSSION - C36510 F-1-101 P6401-0001\2274989v4.doc 24. Entire Agreement . This instrument constitutes the entire agreeme nt of the parties hereto, and the provisions hereof may be modified or amended only by a written instrument signed by the party to be charged. 25. Attorneys’ Fees. In any action brought to declare the rights granted herein or to enforce or to interpret any of the terms of this Restrictive Agreement, the prevailing party shall be entitled to an award of reasonable attorney’s fees in an amount determined by the court. 26. Amendments. Only the City, its successors and assigns, and the Owner and its successors and assigns, and successors-in-interest shall have the right to consent and agree to changes in, or to eliminate in whole or in part, any of the covenants, easements, or other restrictions contained in this Restrictive Agreement, or to subject the Property to additional covenants, easements or other restrictions. 27. Successors and Assigns. This Restrictive Agreement shall be binding upon and inure to the benefit of the City and the Owner, and their respective successors and assigns. The terms and provisions hereof shall run with the land and shall be a burden upon the land, including the Property Unit, and shall be binding upon the Owner’s successors in interest as purchasers of the Property Unit, for the benefit of the City. 28. Foreclosure of Superior Mortgage. In the event of the foreclosure of a deed of trust superior to the lien hereof (if any such superior deed of trust is permitted by the City Manager as herein provided), or the conveyance by deed in lieu of foreclosure of the Unit to a bank, sav ings and loan, or other institutional lender holding such deed of trust superior to the lien hereof, the provisions hereof shall terminate and be of no force or effect; provided, however, if any such senior lien holder acquires title to the Unit pursuant to a deed in lieu of foreclosure, then the terms hereof shall terminate only if (i) the City has been given written notice of a default under the senior deed of trust and (ii) the City shall not have cured the default under the senior deed of trust, or diligently pursued the curing of the default as determined by the senior lien holder, within sixty (60) days after the date the notice is sent to the City Manager. 29. Insurance. Owner shall maintain, during the Term, an all-risk Property insurance policy insuring the Property in an amount equal to the full replacement value of the structure on the Property. The policy shall name the City as loss payee and shall contain a statement of obligation on behalf of the carrier to notify the City of any material change, cancellation or termination of coverage at least thirty (30) days in advance of the effective date of such material change, cancellation or termination. Owner shall transmit a copy of the certificate of insurance and loss payee endorsement to the City Manager within thirty (30) days of the effective date of this Agreement, and Owner shall annually transmit to City a copy of the certificate of insurance and loss payee endorsement, signed by an authorized agent of the insurance carrier setting forth the general provisions of coverage. The copy of the certificate of insurance and loss payee endorsement shall be transmitted to the Community Development Department as follows: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: Housing Division DRAFT FOR DISCUSSION - C36510 F-1-102 P6401-0001\2274989v4.doc Tel. No.: Email: Any certificate of insurance must be in a form, content, and with companies approved by City Manager. IN WITNESS WHEREOF, the parties hereto have executed this Restrictive Agreement as of the day and year first above written. CITY: CITY OF PALM DESERT, a California municipal corporation By: Name: Title: OWNER: , Print Name: , Print Name: DRAFT FOR DISCUSSION - C36510 F-1-103 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-1-104 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the do cument to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-1-105 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 F-1-106 P6401-0001\2274989v4.doc EXHIBIT “A” LEGAL DESCRIPTION That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 EXHIBIT “G” FORM OF NOTICE OF AFFORDABILITY RESTRICTIONS ON TRANSFER OF PROPERTY (Attached.) DRAFT FOR DISCUSSION - C36510 G-108 P6401-0001\2274989v4.doc RECORDING REQUESTED BY, AND WHEN RECORDED, MAIL TO: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: With a copy to: The Coachella Valley Housing Coalition 45-701 Monroe Street, Suite G Indio, CA 92201 Attn: APN(s): 624-440-032, 624-440-034, 624- 440-035, 624-440-036, 624-441-014, 624- 441-015, 624-441-016, 624-441-017, 624- 441-018, 624-441-019, 624-441-020, 624- 441-021, 624-441-022 (Space Above this Line For Recorder’s Use) Free Recording Requested Pursuant To Government Code Section 27383 NOTICE OF AFFORDABILITY RESTRICTIONS ON TRANSFER OF PROPERTY IMPORTANT NOTICE TO OWNERS, PURCHASERS, LENDERS, BROKERS, ESCROW AND TITLE COMPANIES, AND OTHER PERSONS, REGARDING AFFORDABLE HOUSING RESTRICTIONS ON THE REAL PROPERTY DESCRIBED IN THIS NOTICE: Restrictions are concurrently being recorded with respect to the property described below (referred to in this Notice as the “Property”) which restrict the price and terms on which the Property may be sold. These restrictions may limit the sales price of the Property to an amount which is less than the fair market value of the Property. These restrictions limit the income of persons and households who are permitted to purchase the Property pursuant to California Health and Safety Code Section 33334.3(f)(1). This NOTICE OF AFFORDABILITY RESTRICTIONS ON TRANSFER OF PROPERTY (the “Notice”), is made this day of , 2020, by the City of Palm Desert, a California municipal corporation (“City”), whose address is 73 -510 Fred Waring Drive, Palm Desert, CA and THE COACHELLA VALLEY HOUSING COALITION, a California non- profit, public benefit corporation (“Owner”) whose address is 45 -701 Monroe Street, Suite G, Indio, CA 92201, in connection with that certain Affordable Housing Restriction Agreement (“Restrictive Agreement”) between Owner and the City. DRAFT FOR DISCUSSION - C36510 G-109 P6401-0001\2274989v4.doc RECITALS A. Owner is the owner of that certain real property described in Exhibit A, in the City of Palm Desert, State of California bearing Assessor’s Parcel Number(s) 624 -441-014 through 022, and 624-440-032 through 036 (collectively, the “Property”). B. Owner is constructing (or is causing to be constructed) fourteen (14) residential dwelling units on the Property as a self-help project. C. Owner and City have entered into the Restrictive Agreement which is being recorded substantially concurrently herewith in the official records of the County Recorder of Riverside County (“County Recorder”). D. Capitalized terms used herein but not defined shall have the meanings set forth as described in the Restrictive Agreement. TERMS OF NOTICE 1. Requirement for Recorded Notice. This Notice is being executed and recorded pursuant to California Health and Safety Code Section 33334.3(f)(3)(B). 2. Agreement . This Notice is being recorded in the official records of the County Recorder substantially concurrently with the recordation of the Restrictive Agreement, which is incorporated herein by reference. 3. Recitation of Affordability Restrictions. Subject to the terms and conditions thereof, the Restrictive Agreement, restricts the occupancy of the Property to occupancy by a Qualified Household, being a Person, Family or Household of Low or Very Low Income that is a First -Time Homebuyer, at an Affordable Housing Cost (as such terms are defined in the Restr ictive Agreement) as the sole and principal residence of the Owner (and subsequent owners) for a term which is the longer of 45 years from the recording of this document, or the date on which the Property is first sold to a Qualified Household. DRAFT FOR DISCUSSION - C36510 G-110 P6401-0001\2274989v4.doc IN WITNESS WHEREOF, this Notice has been executed as of the day and year first above written. CITY: CITY OF PALM DESERT, a California municipal corporation By: Name: Title: OWNER: THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation By: Julie Bornstein, Executive Director By: Pedro S.G. Rodriguez, Chief Financial Officer DRAFT FOR DISCUSSION - C36510 G-111 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 G-112 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 G-113 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 G-114 P6401-0001\2274989v4.doc EXHIBIT “A” That certain real Property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 EXHIBIT “H” PROPERTY DOCUMENTS (SELLER DISCLOSURES) [NEED] EXHIBIT “I” FORM OF CERTIFICATE OF COMPLETION (Attached.) DRAFT FOR DISCUSSION - C36510 I-117 P6401-0001\2274989v4.doc RECORDING REQUESTED BY: AND WHEN RECORDED RETURN TO: City of Palm Desert 73-510 Fred Waring Drive Palm Desert, California 92260 Attn: With a copy to: The Coachella Valley Housing Coalition 45-701 Monroe Street, Suite G Indio, CA 92201 At tn: (Space Above This Line For Recorder’s Use) The undersigned declares that this Certificate of Completion is exempt from Recording Fees pursuant to California Government Code Section 27383. CERTIFICATE OF COMPLETION This Certificate of Completion is dated ______, 20__, with reference to the following matters: A. The CITY OF PALM DESERT, a California municipal corporation (the “City”) and THE COACHELLA VALLEY HOUSING COALITION, a California non-profit public benefit corporation (the “Developer”) entered into a certain Disposition and Development Agreement dated as of , 2020 (the “Agreement”), which Agreement provides, in Section 3.10 thereof, that the City shall furnish the Developer with a Certificate of Completion upon satisfactory completion of its obligations with respect to the entitlement of the real propert y described in Exhibit “A” attached hereto and incorporated herein by this reference (the “Property”), which certificate shall be in such form as to permit it to be recorded in the Recorder’s Office of Riverside County; and B. The Certificate of Completion shall be conclusive determination of satisfactory completion of the entitlement of the Property by the Developer; and C. The City has determined that the obligations of the Developer with respect to the Property have been satisfactorily performed; and NOW, THEREFORE, the party to this instrument hereby provides as follows: 1. As provided in the Agreement, the City does hereby certify that the obligations of the Developer with respect to the Property have been satisfactorily performed and completed as required by the Agreement. 2. This Certificate shall not constitute evidence of compliance with or satisfaction of any obligation of the Developer to any holder of a mortgage, or deed of trust or any insurer of a DRAFT FOR DISCUSSION - C36510 I-118 P6401-0001\2274989v4.doc mortgage, or deed of trust securing money loaned to finance the Developer’s acquisition of the Property from the City pursuant to the Agreement, nor does it constitute evidence of payment of any promissory note or performance of any deed of trust provided by the Developer to the City under the Agreement or otherwise. IN WITNESS WHEREOF, the City has entered into this Certificate of Completion as of the day and year first above written. CITY OF PALM DESERT, a California municipal corporation By: Name: Title: ATTEST: , City Clerk DRAFT FOR DISCUSSION - C36510 I-119 P6401-0001\2274989v4.doc CALIFORNIA ALL-PURPOSE ACKNOWLEDGEMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF RIVERSIDE On before me, ________________________________________ Notary Public, personally appeared ________________________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature(s) on the instrument the person(s), or the entity(ies) upon behalf of which the person(s) acted, executed the instrume nt. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Place Notary Seal Above Signature of Notary Public DRAFT FOR DISCUSSION - C36510 I-120 P6401-0001\2274989v4.doc EXHIBIT “A” LEGAL DESCRIPTION OF THE PROPERTY That certain real property situated in the City of Palm Desert, County of Riverside, State of California, described as follows: LOTS 95 THROUGH 108 OF TRACT 30795, AS PER MAP FILED IN BOOK 406, PAGES 73 THROUGH 80 OF PARCEL MAPS, ALL IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY OF RIVERSIDE. ASSESSOR PARCEL NUMBERS 624-440-032, 624-440-034, 624-440-035, 624-440-036, 624- 441-014, 624-441-015, 624-441-016, 624-441-017, 624-441-018, 624-441-019, 624-441-020, 624-441-021, 624-441-022 ARTICLE 1. DEFINITIONS 1.1 Definitions ARTICLE 2. CONVEYANCE OF THE PROPERTY TO DEVELOPER 2.1 Conveyance 2.2 Consideration 2.3 Escrow 2.4 Conditions to Close of Escrow 2.5 Condition of Title 2.6 Escrow and Title Charges 2.7 Due Diligence Period 2.8 Condition of the Property 2.9 Escrow Holder ARTICLE 3 3.1 Schedule of Performance and Scope of Development 3.2 Cost of Construction 3.3 Further Development Matters 3.4 Progress of Construction 3.5 Rights of Access 3.6 Local, State and Federal Laws 3.7 Nondiscrimination During Construction 3.8 Zoning and Land Use Requirements 3.9 No Authority Created 3.10 Certificate of Completion ARTICLE 4 4.1 Limitation As To Transfer of the Property and Assignment of Agreement TABLE OF CONTENTS (cont.) Page -122- P6401-0001\2274989v4.doc 4.2 Rights of Holders 4.3 Noninterference wit h Holders ARTICLE 5 5.1 Use of Property 5.2 Use and Operation Covenants 5.3 Sale of Property 5.4 Maintenance of the Property 5.5 Effect and Duration of Covenants 5.6 Obligation to Refrain from Discrimination 5.7 Form of Nondiscrimination and Nonsegregat ion Clauses ARTICLE 6 6.1 Developer Events of Defaults 6.2 Remedies in the Event of Default 6.3 Liberal Construction 6.4 No Personal Liability 6.5 Rights and Remedies are Cumulative 6.6 Inaction Not a Waiver of Default 6.7 Force Majeure ARTICLE 7. INSURANCE 7.1 Insurance 7.2 Indemnity ARTICLE 8 8.1 Notices 8.2 Developer’s Warranties TABLE OF CONTENTS (cont.) Page -123- P6401-0001\2274989v4.doc 8.3 Interpretation 8.4 Time of the Essence 8.5 Attorneys’ Fees 8.6 Approvals by the City and the Developer 8.7 Entire Agreement, Waivers and Amendments 8.8 Counterparts 8.9 Severability 8.10 Survival 8.11 No Third Party Beneficiaries other than the City 8.12 Governing Law �.;.. 0� ¢ ° Caachella VaIIsV 45-701 Mon:oa 3ereei, Su�te G. Indio, CA 9220L Hausirg Coafitiol � � .JI@'PSOtfitlt 2 .Y FVRiz './.,2��' - ,x . .. _. ... .. . .... . . . ... . .. .. March 12, 2019 RE: Self-Help Affordable Housing Development RFP Contract No. C36510 Follow-Up to February 07, 2D19 Meeting As requested, please accept the following acknowledgements and additional information from the Coachella Valley Housing Coalition (CVHC): 1) CVHC hereby acknowledges and understands the above project shall be developed and constructed to meet the City's architectural design and planning standards/requirements as well as Section IV of the RFP, and the City has final approval of the development and construction plans. 2) Included in this response (Attachme�t "A") is a summary identifying the 50 self-help units CVHC has produced in the last 5 years. 3) The proposed sales price for each house, by size is: i) 3-bedroom; 1,275 square feet; $195,000-$198,000� ii) 4-bedroom; 1,374 square feet; $197,000-$201,000� � +/- based on bid finalrzation 4) CVHC proposes to partner with 1�� Bank for a mortgage product similar to the USDA-RD Seciion 502 Si�gle Family Direct loan program; these will be 30-year loans at then-current market rate interest. There are no additional funding mechanisms currently dedicated to this project, with the exception of possible deferred down payment assistance loa�s and/or housing mitigation funds through the City of Palm Desert. 5) CVHC hereby acknowledyes and understands the proposed homes will be constructed and sold according to the required household income restrictions as out lined in the Request for Proposais. 6) Included in this response (Attachment "B") is a proposed development schedule for the project (from acquisition to sale of the homes). Offl.eJ60-347-31F7 = Fax:?60-3Y2-6466 � �a.�as�.. ... .�,. „.. . _ . _ '. .,w� _ria��r;�.�:,�.!�.�n�... . . �. - .... . .....». w. .. .. �.����:�.;���v�:. www.whaarg Nerg66ae%lorlr I SUBDIVISION I ' OEVELOPMENTNAME 'Momingside Group t ITierra Bonita Ph 2, Group 74 ITie«a Bonita Ph 2, Gro�p 75 ITierra Bonita Ph 2, Group 76 LOCATION Morningside Court l�iR7FY]C]IC]� City of Imperial AVG SALES COMPLETE PRICE (a-Bd) $195,000 10-May-18 Calle Bemardo, Diego & �candro City of Coachelia $205,000 17-May-18 Calle Bemardq �eandro & Gregorio Ciry of Coachella $205,000 29-Aug-18 Calle Leandro City of Coachella $205,000 17-0ec-18 # of HOMES �1 13 I 13 I 13 I SD 34ft' t, 4ry �e o & CoaChBUa V211ey 45-701 Monroe Street, Surte G, [ndto, CA 92201 Hou'ing C,oaiit[on � , . . , � K.I.WOv"91AU�.Y�:IIY.EY4G2 � '.,...� "�j' �...: • i ,.a... .� _.�� T�'-'rA� ,. . _....,�.. «. u«z' F �+v^ ' :. .. x,. _ ,... _ .. .�� � ��v. ,�te�k e «... ...� ,+ :g+�'�?�:- Y -�.,. , -... �J'A-s4. .�wt� . � : : �... m March 06, 2019 RE: Self-Help Affordable Housing Development RFP Contract FIo. C36510 Follow-Up to February 07, 2019 IVleeting Attachment «�„ PRELIiVI1NARY DEVELOPMENT SCHEDULE - 14 LOTS - PALiV! DESERT SELF HELP Mo Mo Mo � Mo I Mo Mo Mo Mo Mo Mo Mo Mo Mo Mo Mo Mo Mo Mo Mo Mo Mo 1 2 3 � 4 i 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 0 Award of contract � N�I Loan Packaging ��: 9„�tl; House Plan Review with the City 1;' Precise Grading Plans 'I _ Building Permits Construction Certificates of Occupancy ___ i II � __ �I I 1 1_`',� 3'„;4 `3'::6 I 7,":g ` -0 ''I'i=,�2`:; ,.�._ 0{fl�eilti0-349-3167-Fas�760-242-6466� C(�ACHF.LL:A VALLEY HOUSiNG COAL�'I"jC)N �5-74I ��onroe Strett, Suite G Izldic�, �':1 9?2C11 Oetober 23, ?U ] R � 1 •• �• , C:(�n['11f�I I A VA1.1 G1' Hnli51+YC C(�A1_I'1'lON Jr.if-J�u� [.��.�nnnvrin� Snr�i' ! J+i_' Of �( 760} 347-3 t 57 t�ax { 7b0 ) 342-b466 C'itv i�i�P�lttt D�s�rt Attn: Jessica Gonzales, Senior '11�na�ement .anal�•st 73-� ] 0 Fred Waring f�ri��� I'alcn Des�rt. CA 92?60 RC: Self-Help AffordaLile Hou�ir�g lle��elc�pment KC'1' Contr�ict No. C3G�10 Dear I���s. Goiizal�s. `[�he Coach�lla Valtev Ho��sing Cc�aiition (CVHC) than�:s the Cit�� ��I� l'alnl Desert iCit� 1 tor the e�pa�o��tu��ity to j�resent otir Propc�sal for tl�e Self-Hel� .�lttorcfat�le Hot�siii� I)��v�lc��inent uiider t'c�itirz�ci Nc3. C'3C,510. CVHC, a CA pt��lic k�eneiit non-pro�t corporatic�n 501(c)(3) forrnea on 1�'Iarch 8, 19S`�. has developed ?.Q11 affordaf�[z sEngle-famil}� homes for Zow and verv-lo�� inrc�me families and individuals w�tllin Riverside and imperial Courtttes to daEz. ;'�s suckl, CV�-IC is uraiyuely situated tc� st�ccessfullti� develop, market/r�cr�iit, and constrt�ct t}�e Cit��'s propnsed }�roject of fourteer} a�'fordable sin�le-family �letached hom�s oi' 3 to =i bedrooms of' a�prt�ximately 1,22[} to 1,400 sqttare l��t fc�r low and ��erv-lo��� income tirst-tim� homebu��ers. CVHC understa�lds tlte project ��bj�cti� e, scope, �ind conditians ��i� ��e��clopme�lt as c�utiin�d witllin tl�e Rec�uest tc�r Pc•oposals (RFE') issued 4ctoE�er 11`h. ?018. CVHC wishes to raise a�}�ietiiion, ho��•ever, related to RFP Sertic�:� [! [— Desci-ii3tiuE� c}f ihe Develc�pment, which requests passible utilizat�on nf one ot' the fot���t�e�l i���«les u�lder th� C'oaehe�la Vafle�� Hot►sis1� First {or sinlilar) pr�gra�z�. ���e ��fie��e the natuxe at� the Self-EIelp n�odel prevents GVHC from fiilfillin� t}tis rec�uest. For one o� ttie l�«�z�es to operate tir��er a CV H�using l�irst or similar proa�•aTn �voi�ld rec�uire 1) a se}�arate entit�• to �urehase the lot; ?} zc�nstrltction �t� the hame utilizing eotitracic�r(s), and; 3j engagi�lg a company tc� ntana�,e the pr�perty t�nc! ar�� r�lateci pt�c,�,�ra����. Nune of'these eleei�ents are supp�rted und�r the Self=Hel�� modei. CVHC is a�vare and campliai�t «itn ti�e requireEi�ents c.,f Calit��rnia l.��bor Code Sections 17?C� et .eq., i 770 et seq., and California �'��d� of Regulati��n�, �I'it[e S. Section 16(}()0 et seq. {''Pre��ailin�T Wa�e Lav��s''l. We helie��e the prapc}sed Sel�-Help }�r�?jcct and CVHC ar� i�ot subjeet to Prevailing Pa�e I nf ? � � ' �,�• 1 CC�.act� �t_t .a V,��.t rt rioc!srKc cc�n�.l�rtc,ry co�cH�:�La �A�_�.�.Y ��c��rs��rG co�Ll�-�oN H�<<�,��,,:;t;�.,:..�,��,:,�;,.r, ��,. 45-701 Munt-oe Street. Suite G I���iio. CA 92?O1 Of`c (760) 347-31�7 Fax (7fQ) 34''-G4(�f, 1��a��e I_aw•s as e��id���ced �indzr C:� Ct�de ot� Regulations. Title 8, Section i 6U[)(�, Chapter 8, S�ibchapter 3, Article 2, �16001 (a), and CA [,abor Code, Divisiu�l ?, I'<�irt 7, Char.�tcx l. :a.rticle l, � 172« (c}q;1f!�l• ��'e are enl��+�sed b�• th� prc�spect of returning to the City of Palm Desert to construct additional afforciahle singl�-family detaclled homes f'or low and ��ery-luw inco�n� faMnilies and i��dividuals ar�c� lool� ti�rwa�'d to y�our }�asitive F•esponse to CV�--iC's propasal. Sincercly. ���.�� .�u ie �3ornst�ir� ,�ecttii��e I7iri:ctor (760) ��7-�157 � Julie.Bornstein� evhc.ora Enclos�ires Cc: file Pa�e 2 of 2 TABLE OF CONTENTS s= , � -- Section A Introduction Section B Developer Experience Section C Project Proposal and Business Terms Section D Required Documentatzon E�-iibzt A Project Map, Color Palette, and Plans Exhibit B Respondents Qualificatxon Disclosure Statement E�ibzt C Proposal Certification Exhzbzt D Non-Collusive Affzdavit Exhzbit E Respondent's Qualification References E�zbzt F Project Information Attachment 1 Certifzcate of Insurance Attachment 2 Financial Institution Reference Attachmeni 3 Proposal and Addendum Acknowledgment Attachment 4 Content Certification Attachment 5 Prelzmxnary Budget Attachment 6 Audxted Financxal Statement s/ ' � � , COAC1-IELLA VALLEY HUUSING C'OALITIC�N �5-70 � Manroe Str•eet, Suite G(ndia, CA 9��'O 1 S�CTION A: 1NTRODC CT�Oti � 1 f • • • ' COnCHC[.LA VAL1iY F{��IISE*iC; C(�Rl l'[ 1�3N kr�rld�u,y f S+rnrririnelr.�run: !'J�y�' Ot�c (760) 347-3157 Fax (7C(i) 34?-6=�G6 1. "I he Coacf�ella Vafl�y Housing Ccaaiiti�n (CV�iC), a CaIito�-��ia public h�nefit nc�n-�rc>tii cc�r�oration (5{)1( c 1�). ��'as #urmed an March 8, 198?, and in 1987 esta�[ished its Sin�le Far��il}� Mt�ttia] Se1f-Hel� Pro��ram. 'I�he pri��ar�;� p�i�lt af c�ntact far ttiis �ropo5al andlc,r contract is: l�,milia Mojica, 5in��e Familv Devefopment Dir�;etor Coaet�ella Valle4� HoUsing Coalitiosl ��-i01 �1�onroe St., Sle. G, Indio CA 92?Ol R 7b0) 347- � i a7 e�t. � l I To date, CVI IC's Self Help Pro�rar�� tzas deveic�peci ?.(11 j at'ti>rc�able single-Iami1S hames tor lo��;� and vert-lo�� income tamilies arf� indi��iduals «-itl��n RiverSide and Imperial Cc���nties. CVHC h�reh�' aclttlo���led�.es its underst�ndin� c�f the propnsed ��roject tn be the de�-�i��l�ment �tiiid c<mstrtictio�i of fot�rteei� (14) aifordable sin�le-family detach�d hom�s ol' 3 ta 4 bedj�oan�s of approzimat�l�� l.2?0 to 1.400 square fect tf�at will be �z�adz avail�iL?le to [irst-time I���st�eb�vers o#�le��u anc� 4'ery lo«' inconz�. 2. 'I�ea�i1 iVleinbers to be assi�necl tu this prc�j�c� «riEl ineluc�e: TitlelPositic,n: Executivz Directar Namc: ,i�ili� Barnstein Date �ired (rz3ozltli/year): A�ril 2016 1'ears c�i�e��crience: 20 �:xperience: Kcy project �Eecisic�n maker; S U+ y�ars' experience wiih C'VHC in •arious capaciti�s incEudit�� prior �oard inemher; t�as 13oard authority to �nake ie�ally bir�din� cc�mnlitn�ents ��n �el7alf uf CVHC. �'arnlzr Dir�,ctor c�f the �tate o�Califoniia's 13t��ising and Communit� De���;lopme�lt. Title/Position: Chicl�Financial C)fticer Na�z�e: 3'c�irc� S.G. Rc�driguez Iaate hired (�T�«�lt}li�-�3r}: ,ft�fy I99� Y'ea�•s of experience: ?3 F.xperiencc: Primary xinancial decision making; inte��ral part c�i� projeet bud�;et dtvelo�mlent and nu7nitorin�; has Board �uth�rity to r�t�yke le�aily hinding commitments c}n b-ehali «f C'�rHC. �1��tlelPosition: Name: �)atc; hired {n���ntfU'year): Ne�gh6arW r�CsR CHARiEREP MEMBER 5i�i�ie I�amily D�ve[opme.nt Director Fit�iliz� Moj�ca S�ptemb�r 1�)89 Years of expet-iencL: ��t «���•r►�,c�•hc.org coac�LLA vALLEY Hous�v� co�.zT1oN � 1 �'�• 1 ec�acriFr.i •e vai.L�:e� Ho[rs[r�c r:r�,u �ri�N (f���lr.�irrb {:r+r�nn�rer!11'.lrurr l�.h" �5-701 Monroe 5treet, S�iite G I�idio, C:'19??Dl Ofc (76U) 347-3157 Fax (764) 342-6�66 E�perience: Oversees CVHC's Housing Cou�iseling Dept. and outi•each efforts: responsibl� far mana�in� the Laan Packaging Dept.; Oversi�ht ot� Single Fa��lily Construction Dept. Tit[e/Position: Constr��ction Manager Name: Slatvomir Rutko��-ski Date hirec� (monthlyear): 3aniiary ?OU ! Years of experiencz: 17 E�perience: O�°ersees pro�ect site activities; supervises cot�strt�etioii staff assigned to mtrtt�al self-help projects iz�cludiny quaIity �ontcol and timeliness; project budget development; written cost estimates; cost control; materi�! purcfiases. Title/Positian: Pr��ram Spectalist Name: Sheila 11�cGrath DaEe h�red (manth/year): May 201 � Years c�f e�cperie�lce: 3 Experiei�ce: Responsible for z�Ese�'c�iiii� and sect�ri�i� fiinding for CVHC's Sin�le FaEni�y Mutual Seif Help pra��i'am, inc[uc�ing �rant writitig; fundin� app[icatiQns; dra�7 req�le�ts; stat��tary reporting; contract compliat�c.e; fi�ncling recot3ciliation. 3. CVHC's Developer Designee, �vho is ��ual�fied iYi scope of work development and shaIl be the lead team member responsible for the development af the Project sl�all be: Cmilia Mojica. Single Familv Development Direct�r �milia.Moiica{lcvhc.or� S 76Q} 347-3157 ext. 3] 1 4. Staff who has Baard auihorin- to n�ake [egally binding comir�itmetits on behalfof CVHC and wha will execute ciocun�ents tor C�� HC with the Cily a�� Pa9m Iaesert are: .f ulie Bori�stein. Executive Director Julie.Bornsteinna,cvhc.or� (760} 3-�7-31 �7 e�t. ?04 rrrr�l/or Peclro S.G. Rodrig�iez, Chief Financial Oiticer Pedro.Rodri�uez cr.cvhe.or� (760} 3�7-31 �7 ext. ?a 1 5. Tliere �•e no CVHC �oint v�ntures ur other entities assaciated with this propos�d P�•nject. Neigh�o arks• CHARYERED MEMBER ������v.cvhc.or� ClTY �F PALM D�SERT REQUES� FOR PROPOSALS for Self-Hefp Affordable Housing Deveiopment Far Income Restricted Praperties Contract No. C36510 S1:CTION B: DEI�ELOPER E�'PERIEtiCk� 1. Reference P��ojects 'I'he Morningside Self-Hel� project, located in the Cit1� a�1d County of rmperial, Califarnia, will cansist of 48 affordab�t single Iami[y detached homes 6uilt in fc7�ir pllases. On May 10, 2�18 ele�en ol ihose families took occ�pancy of thei�• con�p�eted �lon�es, The reinainir�g phases are scheduled to complete constrt�ction on or before July 2019. Constructior�/martga�e financing was provi��ed by the United States Departr��etit of Agriculture (USDA) through their 502 Pro��ram and l�amebuyer/builder [�a�as avera�ed at $ f 69,7Ufl. Subsiclies a�eraged $18, I90 per liom�, oi' which 3C% were for very low incor�e and 64% were for low income fa�i�ilies. Subsidy funding for this group was �rovEded by the Housin� Assistance Cotincil (HAC) Farnlworker Housin� Grant and/or California D�partment of Ha�sing and Community nevelc�pment (HCD) CalHome fiinds. � `������� _.:'��.'N,, ` { _ �� _ -, �.�_ :-�-: `� a � r` - � �s ��� -_ '-rr,•rs'� � � , ` . - - - - '. _ . t-77 � . i �F .���-� titi� ..j-e � . 1 �r�`4.ti�i� � �'� � � � � i r��• .�.-.'F�,. `+ � , �y..Fi �.'+''t� . �.� � � ��..�r ..,�.l� F�. �. '" �.t i w� �)�r-�f��s_-� � ".��'�� ����`a� 1 i �w� �. /.1r � : �'^•`�.. j'. � �. � •, ��r .�I.•1 � �— �. ,n 1 f..`=1 /�'Y1`' � � e { �i � I }.L-i�r �I' ;�.�� 1 � �. � {� ��'rT`-'1�7d�ir�V' ' �: ' � � , .r� � � �.� I- � . i. � � �' � .. � ".. � � �! !`' M1�' � . ��.,, r� � . ��- � �� ' ~ .. ; ��'� R-�'�.•I � � ._ �_ .�/ ' ' � - I�y;-+aa�-�- � �R='� � - - � - ' , � - �_. . �..' w. ' ' � r r. �� , � Page 1 of 4 _ _.� � _ . �/ �:C��--� 1 I�� ' � , � c�'�r�'lii b'3IIE?�r � .� ,����ru,� "l:a'��iiiii < Nie ghborW rkss CHARTERED MEM9ER C1TY OF PALM D�SERT REQUEST FOR PROPOSALS for Self-Help Affordable Housing DeveiopmeRt Far Income Restricted Properties Contract No. C36510 '�'l�e Tierra Bonita Phase II Self-He1p }�rc�Jzct, located in the City of Caachella, Count�� of RiverSide, CaEifornia, cansists o#� 39 aitoraable sing�e fam�ly detaclled homes �uilt in three phases. As of August 29, 2018, t��-entv-six of those iamilies liave taken occupancy of their completed �iomes. The r�mainii�g families are schedt�led to complete construction in December 2018. Consiruc�ion/mortgage tinancit�g was provided by the United States Department of A�ricuEture (USDA), Rural Developnleszi tlu-ough their 502 P�'ogram and homebuyer/bui�der loan arr�QtEnts averaRed at � 1�0,400. Subsidies averaged $� 1,909 per home, of which �6% were far very lo��� income anc� 54% were foi- lov�� income families. Subsidy funding for these families «�ere pro��ideci by the Housinb Authority of the Countv of Riverside, Ca[ifarnia Department of Housing ar�d Community Developme�it (HCD} Ca[Home and Farn�worker Housing Grant Prograrn. � ra�,,.;...� ,y; � y � __ ,. s � �A �� + T ,r$ �.� f :� �-� • � i , —fl-�i � � C i�'IC�i�" � `' e�' �' � j� �, _ .t� e r �. F., �.., ���r- Sc,�Sfl:���,.�Tl�f- �- , �� l;" - � �' 1 ��� �' 7 � � � �R A�r3 _ � �4.�. + � � �I� �_ K � �� � � F ' (• y • • ■ • � 7 �' i'1�� 4r � �'_ �� � � �� �� • � � � � � I T f� � _ � _ � � � x �,*�+ �. . �j; � .p_ �•-.. ++ +,4�- � �_ �"'� �.. � a_ , �"'�: A1 r� . i • _ � i � � , � �' _ � �i;y' . K r - _ - - - - . � ��� � `, •- 1 i� r J i ,�• a��. .. .e y, � R�. � a ___.i rC.� � � I � f „,f] h 9V ��y:��jJ�1 1�a� "a _ '���i . S . . � �irlf� 'l`.'l�L�.4lUbI_ _ `:'.., yv.� + • - �� `KS �=f� _ ' '♦ . � �..- j i l�11 •. . �13u�R]C:.'�7iE` z�l �*'� ' _ , �p M '�L•'��;]G � c7 ���_p �T�-�G.;rs,e�.:t "'„S ,�•� w� ��'���4ii.�,-=i�'�1-*�"."" ' _ ' �e d�a � �+ - -- �:��: , �: ��".�.'�i -� � _ � ,. ,—a - . �' : . - . � � � � � - � :� - � �1_ _ � " _ , +-�� � r � � I�'-- - - _ . - �'�, - = i �� �� �� � , T - - - �� �� 4 — -- - �'� � � 1 - .' � J `� � ` r �� • _ - ���r �,f �� ' '��� �I _ _h _ . � i - - �— • �""1 �'�r - ' 1w -- - - � �,� -` �.'�� - - ' ' ' ._� _ tr; np;-s-,-, (' � ''F� ! � .�ar=w��_.� -` .. �- � �--= -- --TJ!^ ��. � ` s + �� �. �, ( � � ' � ;- �j •� � ry �I � ���I.. � e {� . � �J 11j - —~ _- _ ' ' ' � . , /�' --Tt-� ` . ` w'� ' � " �� '� � ir r�, ' ~ � � �.__- �/ �M � /� �A��, � / � � Page 2 of 4 r!R=----- � I I1� , � 1 Coachella Valley licusing Coalition eighborW rksa CHARTERE� IYlEh46ER CITY OF PALM DESERT REQUEST FOR PROPOSALS for Self-Hefp Affardable Housing De�elopment For Income Restricted Prope�ties Contract No. C36510 CVHC, through its Mutual Self-Help Prograrn, has assisted 2,000 low and very low-income families obtain homeownership. CVHC plays a develo�er role fram Acquisition and Pre- development througI� Marketing and Recruiting, and subsequently guicies, educates and assists the homebuyerlbuilders as they navigate the various Creciit and Financial Counseling, Application and Close of Escrow processes. Once escrow has closed (the fot is then owned by the owner/buiider), CVHC staff canstruction supervisars provide technical assistance and oversight to the famiIies in constructing each other's homes. CVHC also obtains all bids for laborlmaterials, pays invoices and abtains lien releases. 3. Since its in.ception, the CVHC Mutual Self-Help Program has enjoyed tremendous success in its marketing and outreach efforts, as evidenced by the 20,040 � currently on CVHC's applicant wait list, including 1,003 who prefer the City of Palm Desert. CVHC cantinuously markets its various programs, with targeted outreach impleznented as land, entitlements and funding becomes available ta develop a specific project. Outreacl� typically includes newspaper and radio advertisements, social media, cammunity meetings, distribution of flyers to tenants, and open houses. � 4. The agencies that have partnered with CVHC in the past five {5} years incIude: United States Department of Agriculture, Rural Develapment Attn: Ron Tackett, Single Family Housing Program Director 430 S Street, Agency 4169 Davis, CA 95616-4169 (530) 792-58 � b Projects have included Tierra Bonita Ph. I, Groups 70-73, City of Coachella, 45 total units; Tierra Bonita Ph. II, Groups 74-76, City of Coachella, 39 total units; Morningside, Groups 1- 4, City of Imperial, 48 total units; Sunset Springs, Graups 9-12, City of Desert Hot Springs, 32 total units; North Shore, Groups 5-6, North Share {unincorporated area), 11 total units. County of Riverside, Housing Division Attn: Micha�l F. Walsh, Deputy Director 5555 Arlington Avenue Riverside, CA 92504 (951) 343-5469 Page 3 of 4 i!/�I� � �••• � Goachelia Valley Housing Coalition N �e ghbor orks- CNARTERHD MEMBfR CiTY OF PALM DES�RT REQUEST FOR PROPOSAL5 for Self-Help Affordabfe Housing Development For Income Restricted Properties Contract IVo. C365'i0 Proj�cts have included Tierra Bofiita Ph. fI, Gratf��s 7�-7b, City of C��acllella. a9 tatal un3ts; Suns�t SpriE��s, Grc�i�ps 9-11. City� of Des�rt Hut Sp�•ings, �� tOI71 L11Z1i5; North Shore, Graiips S-f. Nortll S]Iaee (t��linco�porated areal. 1] total units. 5. Explain the intended roie c�t��ach d�velo�meiit eniit}� or partn�r a��d the t•esponsible party af �ach entitv. Coachella Val�ev Hotisin� Coalitio�7 CVHC', i�� a�varded as a roiitraciee under Contract No. C36510 �vill b�: the Developer a� ille project, to incl�ide pre-de��e�opn�ent activities; marketing an�! recruitment; homebuyer/ b�iilder fiE�ancia! ed�ication and loan application services, and; coi�tract oversiglit and supervisio�i, fi��ancial controls for loan proeeeds distributian. Sin�i� Family Devefope��ent Directar Errii3ia Mojica will serve as CVHC's responsible Part�- to ensure al] project activities comply with the terms as d�lined by ihe RFP as well as at�v%all terms as c�efined via sitbsec�uent negotiatiot� activities at�d resulting agreements. Citv o�Palm Des�rt The City of� Palm Des�rt, in its capacitv as t}Ze Canti•acting Entiry via this RFP wvill proride cc�ntr�ct and pr�ject oversight acid compliance. Setiior Managetnent Analvst .Tessica Gonzaies will serve as the City's responsit�le party to ensure all proj�ct activities comply t��iih the terms as detined by the RFP as well as any/all te�•ms as elei-ined via sul�sec�uent ne�otiat�aii activities and resu3tin� agreements. 5. Qualifieatians of c��titractors or subcontractc�rs if lcnow�n. Please sumn�arize th�ir experience ��d capa�ilities. An archit�ct and stibco�itractor entities lsave nat y�et be�n identified f�or this pi-o�ect, and subsequentiy their qt�aliticatio��s. expet-ience anci capabilities are l��iknowi� at this time. Page 4 of 4 .��� ' �••• 1 - ,��icll ran�- �. _;�r�;1�._.�li,� �� Nghbor orlcs� CHARTEREO MEMBER C!1'Y OF PA�M D�S�RT REQUEST FOR �ROPOSALS fior Se1f-Heip Affordable Nousing Development For Incom� f�estricted Praperti�s Contract f�a. C36510 SECTION C: PROJECT PROPOSAL :�NI) BUSIN�S� TI?ItMS Description af the proposec� project in tiarrative and �rapiiic formaE - Show a sample of tlz� tvpe of affordaE�le housing develapment being propos�d wl�ich includes, at minimum the criteria established in 5ectiun I��', �n ai•c}litectural concept, materials, equiprnent. lajldscapin�, and a propc�secl color palette. Piease see Exhibit .A 2. A compreherisive brealc dovvn of al� costs associated �vith ik�e pro��ased praject can be found in �lrtachment 5. 3. F�indin� s��urces for the Self-He�p Afi�c�rdahle Ho�ising Development �s ten�atively pi•oposed by: The Coachella Valle�� Housing Coalitian 45-701 Monroe St., Ste, G, Indio CA 9?2fl 1 FirstBank 73-000 Hi�hway 1 1 1, Pa1n1 Desert, CA 92260 Bank of Aznerica 81-$�0 Higll�vay I1 l. Ir�t-�io C:� 9??O1 4, Developer's tinai�cial c�pacit�� to it�lplement the project. Alease see Attachment G 5. identify al� partners tincluding financial) iar the praposed praject. The Coachella Valley Hausing Coalitiorl 45-7D1 Monroe St.. Ste. G. Indio CA 9?�O1 PirstBanl: 7�-U00 Hi�llway 1 11. Palm Desert, CA 92?6U Bank of America 81-800 Highway 71 ], indio CA 922Q 1 D�velopment �artners i�lcEtrdit�g architect and electricians are to be determined. Page T at 2 ,%�� '�1 ��.. ����� :. � _ ����._���,�:.. N�igh6orW rks� CNARTERE� MEMBER CITY OF PALM DESERT REQUESTFQRPROPOSALS for Seff-Fleip Affordable Housing Develo�mertt For Income Restric#ed Properties Contract No. C3�510 6. Id�:ntify �ievelapment schedt�l� ot the proposed pr�lect. Identify critical milestones s�icl� as acquisition, design, construction, and marketinb �ncluding qualtfyin� homebuyers lo�• t��e proposed financin�. CVHC is Eina�le to fi�lly de�-elop the project sc�iedule prior ta awarcl. CVHC's sii�gle �amily niutual self-[lelp projects ty�pically take 10-12 months to construct ��ilez all predevelapme�lt and entitlement acti�ities have been conipleted. 7. Identrty autside firms such as genera] cont3�act�rs, subcontractors, or management tirms prc�posed for this P�•oject. None �t tl�is time. 8, Ic�entify proposed forms of'tii�a�lc�ng for ihe homebuyers, incltiding identi£yin� ihe use of� any proposed financial institutions. FirstBank; 1" mortga�� Palm Desert; liefi holc�er, first time honiebuyer subsidy as needed ��er tamily 9. Ii�dicate wl�ether tl�e Developer, or any of its principals, is or lias beEn involv�d in anv litigalion nr otller dis�utes, an� in pa��ticular. ��ith any city, or l�o�isiiig �tith��rity. If so, please explain (excl�iding ``slip and fal�s" ancl �mp[ayee issues}. Ix� No�ern�i�r 1996 C��'�IC «•��s the Plaintiff in a ci�il c.ase a��i�lst the City of Mor�no Valley in re�ard to an attordabl� rental project within the City. CVI-�C ca�itendecI that the City of Moreiio Vali�y was not complyin�, with TitEe ?4 re�ulations. The case �vas ultimatelv settled in Mai•c�� 2UU5. 10. The Coachella Vallev Housing Caalition, its principals. ar any iildiviciva[s or entities named abo�e, ]lav� �1z�•er ��Eeial�lted on their tinancial obli�ations, rlor ha�re any �raj�cts or deveiopinents b�ei� fareclosed upon ur deeded in [ieu of ioreclast�re, or tiled vankruptcy d��rin� the Developer's stewardslii� of a praject. ] i. This propasai, includin� all e�hibits and attachments will remain valid for 1$0 calen�ar days irom the date t11is proposal is sEzbnzitted. or Nove�ilUer l R, 2018. 12. Th� Coacilella Valley Hous�n� Coalitio�l. its pr�ncipals, ar any itzdividtials or entities naiued aE�ove, have no con��icts in connection with the developmc:nt of t11is project and has nc� eap�ctatioi� that said canflict ���ill arise in t]le tutlire. Page 2 of 2 ..�'�� ' �•.� 1 �c�ac�,��ua �dane, � {-��;�;:r�p_� �.';idlil__O�i N� ghbarW rks• CHAIt7�RED MEMBER C1�Y �OF �ALM DES�RT REQUES�FORPROPOSALS for Self-Help Affordab[e Housing De�eiopment For �ncom� Rastricted Properties Contract No. C36540 S�CTION D: REQLTiRED DOCU�TENTATION 1. Certificaie of Tnsurance; Attachr�i�nt 1 2. Fit�ancial Institutian Letter of Recommendation: Attaclualent 2 3. i'roposal �nd Addc:ndum Acknowledgement; Attachment 3 �. Content Certification; Attachment -� Page 1 of 1 ���� 1�'1 �nz��-f,eii� vaii�y `iGUSir�;� '�.08]itif:n Nie ghborW rlcsa CMARTERED MEMBER CITY' C1F AAi.l1'f flES�RT R�QUEST FOF� E'ROPOSAI.S for Self-Help Aft'�rdabEe Housing Deveiopment For Snce���e Rest�icted Yroperties Contract l��a. C3G`ai0 � Prt•oject Map � Proposed Color Palette+ • Proposed House Pla�ls Page 1 of 4 CXHIB�T "A" ����� 1��1 � �,�nziia v���,s �i:��,s�n� c�art���� N re gh�orW rks� CFIAR7ER£D MEMBER EXHIBIT A PROJECT MAP �_ .r_i������ ��y, ��'r+�+���, � ren � C� • ��w l�.�i.� F�: �t�r � ,: `a !, ���, ,.�� ,1 �^�:, � liN���4 ��: ,;�*;' ��I 1 . ����;, � • ��� � �� t l� : r. � � `i -'� �� # Mt � �i �_ :. ,� a., t � ���.�►�� �� 'i � _ : � ��. .`;�p,;.I-'t '���'�'-_'� �ti `' �� , �,_____.,r-�. 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C365Z0 EXHI.BIT "�3" ItESPONllENTS QUALIFIC�ITION llISCLOSURE STATEMENT �ART I-RE5POIVDEVT (s) PROFILE I1'FORl�1ATlON l. NAM� / .4DllRESS UF RESPO�I�IEiYT Le�al Fr�titti� Name: Coac�eila Valley Hoi�sina Coalitiot� Principal Address: -��-701 11�Ianroe Street Suite G, Indio, CA 9Z201 O#f�er Offiee Locations: Main Telzphone: Website: None (7b0) 347-31�7 �i�3��`�. c�� h c. o r� 2. �NTITY INFQRMATION Federal Emplo���r ldenti�ication No.: y�-331�898 F_.�ltih T��pe: Non-Profit Corparation 5(11 (c)(3) [s Responden� Stibn�itting as: 0�ntit�� ❑,Yoint Venture ❑Sub-Contractor City of Y�ln1 Desert License: ��'ill Qbtain if awardecl Calif�rnia Dept. of Rzal ��tate License: None Otlier Licenses(s): �one Date oi� Fot•matioii. Mar•ch Q8, i982 Nc�, af Years �n 8i�sisiess: 3b List Asi� Relat4d Et�titv: None 3. PItiI�'CIPALS 1 PART:VERS 1 B�AR� OF DTRECTORS OF THT �'IRM: Name of Principal i Board M�mber: �iuli��na S. Di�z Address; ��-701 11rlonroe Street Suite (G, Inc��o, CA 9220] � Positiar�: President °/vInterest 0% �10. of Years ���Etll Entitv: 17 Name of Principal I Board IVlember. �-Iike Brabo � Address: ��-701 Monroe Street Suife G, Indio, CA 92201 Position; Vice President '%inte�•est Q% No. of Years with Enti��-: lU Page 1 of 4 i��1� 1 �••• ' 'oacnzil<: Vail�- 4 io�,i-�-+r�J C�.�:�tlt�ui � N�ighbor orlcs� CHARTEitED MEI4CBER Cf'I�ti' (]F PAL,t'[ fIESERT [tF:(1UEST FOR PROYOSAt.S Ti�t� Self-Hcfp Affordable Housing i)c�e[opnient Fcrr 6ncame Reytricted Prc}�erties Contract Na. C36S10 EXHIBIT "B" a�.si�o�v��vTs qt�.��1�FrcaTio� ��sc�_ost;xr �T����H.�7E���� Naene of PrincipaI / E3narci N1�i�lher: Rirhard Levine Address: 45-7(11 N[o�roe Sh�cet SiRitc G, India, CA 922111 Position: Trcaseirer %interest [}%, N��. of Yzars �� it�i Entiri�; 6 Narz�e ot� Principa! ' Boarc� �lember: .fulie �3urnstei❑ :'ladress: -t�-7()1 ��lanroe Strect Suitc G, Indio, C'A 92201 Positic�ti: Secretary %[r�terest:0"/o No. o# Years with Entit�•: ll) Ycars an the Board of 1)irectors 2 �'ears as E�ecutive Director Nan�� of Principa! �' Board I1�lembet�: inez �i�ar•ez I .�'�ddress: a�-7(11 M�nrae Strcet Suite G, Indio, CA 922f)1 I Positior�: ��lenihcr °/nInferest:0`% I No. of Ycars with E�ltity: i9 Nam� of Principai r Board Member: Svlvi� Nlontenegro I ,Adds-ess; ��-701 �Ionroe Street �uitc G, {ndio, CA 922f11 �'osition: '�icmher °/oInterest: (W/� Na. of Years �vitl� Entitv: 19 Nan�e of�Principa! 1 Boar�i Mer�lber: Angcla Yuung .Addr�ss: -��-701 �'Ionroe Street S�ifc C�, [ndio, CA 922(1� Pc�sition: '�Iemher %Intrrest: U`% No. ot Years ��itl� Eiltit��: 1� , Namt of Nrincipa� �' [3aard Memb�r: Jt�a�z l�I�noz .Acld�-ess: �5-7f�1 Mt»�r-oe Strret �e,ite G, Indio, C.A tf22()1 �'osition: ilien�kicr °folnEerest: [1'% N�. 02 Years with Entit}�: lU � Name oF Pt�incipal ! Bc�ard �Vlemher: Scott Darrell .Ac�dress: -t�-7i11 NTonrc�e 5treet StiittA C, Indio, ['.� 922(.11. Positian: Member "/olnterest: U'%u No. of Z'tar� «�itE7 �n[ity,: 2 ' Page 2 of a .���� 1 -�' �oachell�s `.-.�, �,,�,uair.g C�,�,�,��r� , NerghborW rksR ChARTERED MEMBER CIT�' �F PAL1'I pESERT REQUEST EOR PRO['OSALS i'o r Self-Help Arfordal�le Housing F�c��elo�ment For [ncome Rest�•icted C'roperties Contract vo. C35510 EXH�BIT "B" RESPONUE'�1T5 QUALIF[CATION DISCLOSLiRE STATEMENT Nan�e of Principa[ / Board Member: St�:art Le<<ito� r'lddress: -�5-70] A�Ionroe Stree# Si�irte CT4 indio, CA �2Z01 Position: �Tery�ber %Interesr.0`%a No. of Yea��s ��itl� Entity: 1 Name of Principa! / Bo�rd Metnber: Michael Kiner Address: �5-701 �'Ionroe 5trect S��ite G, indio, C:A 922[ll Pasitio�i: Nlember '°/ainterest:0`%� Na. of Years with Entit��: Less than 1 ycar Name af PrincipaE / Board Menlber: �rt '�'aldez Addres5; �t5-7Ql 1'lo�r•oe Street Suite G, Cndio, CA 122(}1 PoSitio�a: �lember %Interest: D% No. of Years ���it}� Entitt : Less tf�an 1��ear Nam� of�Priiaci�al 1 Board Member: Gordon Countryman Address: -t�-701 Monrae Stree# Suite G, Indio, CA 92201 Positiotl: N�ember• %Ioterest:0% No. of Z'ears with Ei�titv: Less than 1_year , a. NAME OF PER�ON{S) AUTHOIUZEll TO SIG1� ON [3EHALF O�' T��E FIR,'VI: ar�tt /rir• Page 3 of 4 Name: .J�iie Sornstein Position: ��ecutive Director Pri�7cipal .��ddress: -t�-701 Monroe St., Ste. G, IndiQ CA 92201 Einail Address: Jt�lie.Barnstein�a�4v�ie.or� Tel�phone: (760) 3=�7-3157 Name: Pedro S.G. Roc�ri�uez Positio3l: C�ief Financial Officer Principal Address: ��-701 Monroe 5t., Ste. G, Indio CA 92201 EnZaii !li�dress: Pec1rU.Itod�'i�uez(�c�cvhc.org, Telephone: (760) 3�17-3t57 ���V�IV ' ��1 :_.oachella Vall>=v 4-{�iiisi77C rr�3lilinn Neig�6orW rics� CFIAR7EREp 164EhtBER CIT'Y' ClF PALtiI llI:SFRT �tE(��iL;ST ��()E2 PROPOSAI.S fur Self-Help Afi��r�fable Housing Urvelo�ment Fnr [nccs:Tie Restricteci Properties Cc�ntrac� �10. C365Ti1 EXHIBIT "B" RESPO:�'DEtiTS QU�LIFICATi(}N D1SCL05URE S'FA'I'El�1i:NT 5. FI1tM CONTf�CT P�RSON, lF OTHC�t "FHA� SOARD OF DIRF,C'TORS: G, 7. [�Iair��: Emili� Mojica Positioii: Sin�ie Familv De��eloprtaent Director Fr�ncipaE Addrzss: �5-7(l1 Mc�nroe St., Ste. G, indio CA 422Q1 Email Ac�dress: }:niilf:�.l1!lajic���a c��hc.ar#; T�lep}�o�ic: (7fi0) 3�7-31:�'7 N_�Mi: OF PCRSOv'fS} RESPONSI�3LF �"[)R DIRECT CnNT:�CT WITH THF. Cl"1'�' f�\1) TF�aT «'1LL RESPOvn T(3 SER�'[CES REQtIIItE�) INCLI'll[NG OVERSEEI]�G PERSON�TEL TH.'�T �S�ILL �y'ORK OV THE PR0.1�C'T: �atn�: En�ilia ��o�ica — - Aositian: �in�;le Famii�° De��ela�r�ent D�rector Principal .��ddress: ��-7f11 �tilonrc>e St., Ste. G, indio CA 92201 Email Address: [;�r�ilia.11oiica(r"r?cvhc.or� Tele�hc��1e: (7((�) �47-31�7 1�A11�E nF PERSON(S) RESPON�IBLE FOR DII2ECT CONTACT WI'TH THE CITY THAT �VILL BE RESPO��[13L�: 'TO I2�SP�ND TO F[NANCIAL [NQI�IRIES REQL'�IRED: Namc: Pedro S.G. Roc�rigucz Position: C��icf Financial Offirer Principal Ad�iress: -€�-701 vlonroe St., Ste. G, Indio C:1 9??O1 Lmail Address: Peclru.Rudri�uez�a?r���c.or� �elephune: (7fil)) 3�37-31 �7 _ �!�� ' 7111' � ��;�,.�,.3��� ��3�.: i ir�, ic�rat l,cr,,,i��.,��, Page 4 of 4 NghbarW rksa CHARTEREP MEMBER CITI' OF Pr1.LN1 DESERT REQUE�T FOR PROPDSALS _ t��r Self-Help .affordab[e Housing Deve�opment For Inc:��me Restrict�d Ps-operties Contract No. C36510 EXHIBYT "C" PROPOSAL C�RTJF�CATION Respondent(s} c.ertifies that the fol�owiilg staternents ace true anel correct: 1. Tl�e unc�ers��ned l�as fuil atftl�ui-ity to bin�� the Develnper to tkie Proposal subinitted ic� respoE�se ro t�ie City of' Pa[m Deser['s Request for Proposa[s fnr Self-I��elp Affordable Hausing De��elopment. 2. The undersig�ied cer[ifies that the inlor��tation included in ar attached to t11e propc+sal is true and cor�-ect ai�d u��til such time the City selects and unconditio�lally appeoves an Agreeinent, the undersigned u ill rept�rt any changes in or additions to the inf'ormatioi� and fut7�ish tiirther dac�mentation or infarmatio�� as rria�� t�e requested. 3. The tuldersi�ned agrees tu furnish and d�liv�r all services, items, and documents represented in this proposal. 4. The undersigned �varrants that he/she has not �iveil, of#�ered to give, not' intends to give aE any time herea�ter a��v �conon�ic opportunity. future em�loyment, gift, loan, gratuity, speeial discnunt. trip, fa�or, or service to public s�rvant in connection �vith this proposal. �. Tf�e undersiyned c�rtities tllat prop�sing Develope�, ar anyone actin� oi� b�hali� of tirm. It��s nat violated antitrust laws of the State of Califomia, Federal antitrust [aws c�i'the L�nited States oF America. or co4liided in any �•ay, directEy c�r indirectly. ��ith any comp�titor, partner. otll�r p�opasin� tirm_ or individual, in the pre�aration of this pruposal or fees c�t�oted. 6. Tl�e Lindersigned achno��Eedges and accepts �Il terms arid conditions referenced in this Request f�r Priiposals. 7. The ��r�dersi�ned certifies they, or their represented tirm, has not rece�ved co�il�ensation foE• participation in the preparatian of the speci#ications for this Rec�u�st for Proposals. 8. Tlse undersfgned certi�es tlzey, or their represented tirm, is not cun•ent�y U��d�:r investigatiott for any harassmet�t, fair haUsing nr eqtia[ o��orkunity em�loyment violations, or nll�ged via�ati��ns, by any state ar federal bodies, that has nat been f�illy disclosed including cietails oi'tE�at investigat�on. in tt�is praposal. i�� Vrlu ' •`,w 1 -::•:��:'��ila V;�IieY -i�c �� c;�na Cqal�uon Page 1 pf 3 CiTI' OF PALM DESERT R�QLIEST FOR PROYOSAL� for Self Hel� �ifordable Hot�sing Develo�rnent Fa�-lncome Resti•icted Praperties Contract No. C3fiS10 EXH�SIT "C" PROPOSAL CERTIFICATION 9. Tl�e «ndersioned a�r�es to e�ecute, or nzgotiate in good faith the executio�� of a contract ior the provision of ser�ices represented in this praposal. 10. The unciersi���ed ack�lo��ledge� tE�c CiEy af Paler� Desei-t's right to r�ject a�1y, ai�d all, proposals at its sole discretio�l. (St'g��rllin�e.c to folln►ti� aft tlte trext p�rgeJ Page 2 of 3 i��� 1 ��' �:�;ra�:i,c!Ir: valles i�nu�:r�� C>.�aldiqn CITl' OF P:1L�1 D� SI�;RT REQC��ST FOR I?ROPOS_ALS — for Self-FIelp Affo�•dable Housing Developmeret For Income Restricted Properties Contract No. C3G_i10 EXHIS�T "C" PROPOSAL CERTI�"ICATION PROPOSAL CERTIFICATION (Co��lin�taed) �� . S�gn ure of' At�tl, orized Representative Ju1ie Bornstein Printed Nan1e of Authorized Representative ���. x3, �/S� Date Cxecutive Of�cer Title California nonprofit public bene�t eorporation �41(c)3 Printec� Firm Name L��al Status (Inc.. LLC, etc.} ACKNOWL�DGEMENT A�lotary public or other offic�r campleting €his certifi�cate verities only the identity of tl�e indivtdual who signed the docu�r�e��t, to 4�-hich ihis certiticate is attached, and not the trutllfulziess, accuracy, or validitv �1f that dacume�lt. State of Cali%rnia ) } SS. County of Riverside ) On �C.�'0��, 20 i'� before me, Fabiola `'alenzuela. a Notary Puhlic, persc3nall� a��eared ,Tu�ie Bornsiein, �vho proved to me ots tl�e Liasis af satis�actory evidence to be tf�e pe��sUt�a�'whose nam�,(:�1 is/�stibscribed to the ��ithin i��strument and acknowledged to me that �avlshe/�,la�y executed the same in�i�ll�er�t�authorized capacity�(-'r�, ancl ihat by�/kter/tfa�• signature(�' on the iizstru��ent tk�e persan�; or the e�itity ���on beha[f o1� which the person(�� acted, executed tf�e instr�E«lent. I rertify tEnder PENALTY OF P�RJURY U��der the laws o# the State of California t}�at the tore�oing paragrapli is tr�e and co��rect. WiTNESS my hand and officia( se�il � , ' ,� � a Si z� ture � Page 3 of 3 F�48ralA VALEH2uEiA . Mottry Public - C�Hlornia z -r' Rlvfr�iE� Courtty i � Commis�lan ,M 215923U ' � My Comm. ExD�rs: Aun 4, 2020 � Seal �e'�� ' � 1 - : �,� �i,� :'�,i�F�, � `;•,;s�:.0 �.:.�i�t��,�, Neig�6or orksA CHARTERE� MEMBER CITY OF PALM DESERT REQLiEST FOR PROPOSALS i a:- 5e�f-Help Affarciable Housir�g Aevelopment For [Euome Restricted E'raperties Cantract No. C36�t0 EXHIB[T "D" NQN-COLLL'SI�'E ,�FI'IDAVIT State of California } )ss. County of Riverside 1 Julie Bornstcin ��e�ng tirst dul�• sworn, deposes and says: Tllat slie is the E�ecuti��e Director of the Coacl�e[la Vallev Ho�:sin� Caalition, the pai-ty ma�:ing the foregoin� proppsal or bid. tllat sucki proposal or bid is �en�ii�le and nat collusive or sham; that said bidder l�as not colluded, conspired, coru��ved or agreed, directly or indirectly. sought by agreement or co�lusion, ar com�nunication or conference, with any persc�u, to �i� the bid price or affiant. or ot any other bidder or to �i�c any av�rhead profit or cost element of said bid price, or that af any otiier bidder- or to secure any ad��antabe against the Citv of Palm Descrt or any person interested in the pmposed cantract. ai�d that alt statements in said propasal or hid are true. Signatur�e of Pers ing A�fidavit: J - v � Subs T•ibed and swarii to Ei�e this o`Z3 day of � �, ��',> Na ry Pizhlic Sign�lure My commissian exp�res: Page 1 0# 1 -� ��.ts� � ��;�o�nec , 20 I� fABIOLA VA�EMZUELA Notiry Public - Calilorni� ���� _ -� Rfr�rslde County � Commission f 2159230 � � Mr Comm. Ezoire� Ru� 4, 2020 � <<��� 1 � •• 1 �,,�; r��:�: ,�i�: �7�,:,�s�;�: :_ :,i t:::�' Nie gl�bor arks� CHARTE1iED MEMBER CITY OF PALM DESERT REQU�ST FOR PROPOSALS #or Self-Heip Affordat�le Housing Development For Income Restricfed Properties Contract fVo. C36514 Exhibit "E" RESPOND�\TT'S QUALIFICATION REFCR�NCES 1. I�I',FER�NCES: �'rovide a mininiun� of hva (2} references for ���hich tlie T:ntity has �erforn�er� �ro�ert�� management services sirnilar to those �-equirec! h�' the RFP durin� the past tl�ree (3) � ears. T}xe�e projects shaUld be similar in nati�re aod scope to thc• Prnperties. Att�cli a separate sheet far ac�c�itional referenees if ciesired. CVHC is unab�z ta respond to this request. T'his Re�iiest �or Proposa[s is intended io�' a 5in�l� Family Self=Help Project and tlierefore does not requii-e property m�nagement �ervices. Additionally, ��roperty inanagen��nt se�•vices b�ei� t�oc bee� requir�d or n�cessary an an�- Single Fam�ly Seli=He�p Praject is CVHC's History. I-Iowe�ee, CVHC�s Partn�r references are: United St�tes Department of A�riculture, Rus•al Development Attn: Ron Tacket[. Si�i�le 1=a�nil� Housin� Pro;�ram Dir�ctot• �30 S Street, .Ag�ncy 41b� Davis. CA 9�61C-�1b9 (530) 792-581b �'�ojecis l�ave incl�id�:d I'ien•a Bonita Ph. I, Groups 7Q-73, City of Coachella, �� cot�l units; Tierra Bo��ita Ph, II. Groups 7�-76. Citv of Caacllella, 39 total units; Morningside, Groups i--�. Cit�• oi' Inzpzri�l, 48 total Linits, SLmset Sprin�s, Groups 9-1�, City oF i�esert Hat Springs, 32 tota! units; Narth Shore, Groups S-b, Narth S�lare �unincotporated areal, � 1 CO�c�� UriEtS. Caunty of Riversic�e, Housing Divisic�n Attn: Micllael I=. Walsll, Deputy Directo3� �555 Arlin�on A��enue Rivzrside, CA 9?�0� (953)34�-5�69 Projecis have ie�cluded Tierra Banita Ph. 1I. Groups 7��76, City of Cc�achella, �9 totaE tinits; Sunset Sprin�s. GraGips 9-11, Cizv oi� Desert Hot Springs, 1 l totai UllltS: NOt��] S]Zore. Croups �-E. Na�-til Sl�ore {�ii�incot•porated area), 1 1 total li�lits. Page i of 1 ���^� 1 �! 1 I�' �o:,c iFna �,li�. ! iac :ir�,�:� `�-^-nh�i�n Ne�ghborW rksx CHARTERE[1 MEMBER �f l I �.. EXHIBIT F PROJECT INFORMATION Planning G�ommission Resolution No. 2314 and Tract Map No. 30795 PLAIYNI�IG COMMISSlO�I RESOL.UTIO�+1 NO. 2314 A R�SOLUTION OF THE PlANNING COMMISSION OF THE CITY OF PALM !]�S�RT, CALIFORNfA, APPROVING A TENTA7IVE r, TRACT MAP SUBDIVIDING ON� 20.44-ACR� PARCEL IHTO tQB SINGLE-FAMILY LOTS and ONE LOT for 26 SEIVlOR CITiZEN APARTM�NTS., THE PROPERTY �S LOCATED NORTH OF MERLE !]RIVE, SOUTH OF AVENUE 42 AND W�ST OF HOVLEY GARDENS DRIVE ALSO DESCRfBED AS ASSESSOR'S PARCEL NVMBER 624071-040. CASE NO. TI' 30795 WHEREAS, the P�anning Commission oi the City of Palm Desert, Califomia, did on the 7ih day of flecember, 2004 hold a duly noticed puhlic hearing lo consider the request by THE RED�VLOPMENT AGENCY O� THE CITY OF PALM D�SERT, for appro�al of the abo�e described project; and WHEREAS, said application has complied with the requirements of the "City of Palm Desert Procedure for �mplementa6on of the Califomia �nviranmenta! Quality Aci, Resolution No. 04-1Q6," in that the Director of Community Development has determined that no futther !� ` environmenta� review is needed for ths project because enrrironmental impacts were prer►iousiy �`. . analyzed in the initial study prepared for the Hovley Gardens master pla� of der►elopment (PP 0't- i t), which was approved by the City Council on June 14. 2Q07, and for which the City Council certifted a Negative Oeclaration of Envira�mental Impact.; and r. � WHEREAS, at said public hearing, upon hearing and considering all testimony and arguments, if any, of alf 9nterested persons desiring to be heard, said Planning Commis5ion did find ihe ioilowing facts and reasons to exist io j�stify appror►al of the te�tative tract map: 'I . That the proposed map is consistent with applicable general and specific pfans, as amended. 2. That the design or irnprovement of the praposed subdivisEon is consistent with applicable general and speciRe plans. 3. That the site is physical[y suitable for the iype oF de�elopment. " 4. That the site is physicalfy suitable for the proposed density of devefopment. 5. lhe design of the subdivision or the pmposed improvements are not liEcely to cause substantial envimnmental damage or substantially and avoidable injure fish or wildliie or their habitat, 6. That the design of the su6division or the type of improvements are not likefy to cause serio�s public health probfems. rr � F �.. Page �25 City of Palm �esert RFP — Selt He1p liousing �e�reloprtrenl0ctober 2018 rl� PLANN[NG COMMI5Sf0� RESOLUTION NO, 2314 7. 8. WtiEREAS, in the• r�e�iew of this tentative tract map fhe Planning Commission has cons€dered tha effect of the contemplated action on the housing needs of the r�egion for purposes of 6alancing these needs against the pu6lic service needs of the res9dents of the City of Pafm Desert and it5 environs, witF� availa6fe fiseal and environmental resaurces. NOW. THEREFOR�, 8E li RESOLVE� 6ythe Planning Commission afthe CiryofPalm Desert, Cafifomia, as follows: ��' ` ', r 7. Yt�at the above recitations are true and carrect and cor�stitute the findings af the Gommission in this case. 2. That.the des9gn of lhe s�bdivision or the type of improvements wil[ not conflict with easements, acquired by the pu6�ic at lar�e, for access through or use of property within the proposed 5ubdivision. ihat the design of the su6division orthe type of impro�emenis wip not restrict solar access to the property. That approval of the a6ove described Tentative Tract Map hlo. 3d795 is hereby approved, subject ta the attached conditions. , i � .� � � PASSED, APPROVED and ADOPTED at a regular meeting of the Palm Desert Planning Commission, held on this 7th day of December, 2004, by the fo1lowing vote, to wit; AYES: NOES: ABSENT: ABSTAiN: CAMPBELL, FINERTY, LOP�Z, 7SGl;OPP, J0�lATtiAN NONE NONE NONE SABe1�JONA , Chairpersan ATTEST: • � 1i.1_.�� 1 PH[LfP QR�LL Secretary � Palm Dasert Plannfng Commission i 7 � z P��� �ss City af Pa1m Oesert RFP — Self-Help Hausing pevelapment Oclaber 2018 y,, l�' � � � , PLANNING COMMlS510IV RESO�UT[ON NO. 2314 � CONDITfONS OF APPROVAL CASE NO. 77 3U795 Denartment oE Communitv De�elopment: i. The development of the properly shaEl conform substantiaf ly with exhibits on ffe with the Repartment of Community Deveiopment, as modifled by khe fol�owing conditions. 2. Recordation of the final map sha[1 occur within 24 months from the date of final appro�al unless an extension of time is granted; otherwise said approval shall become null, void and of no elfect whatsoever. The development of the property described herein shall be subject to the reslrictions a�d limitations set forlh herein whlch are in addition to all municipal ordinances and state and federal statutes now in force, or which hereafter may be in farce. 4. Prior to issuance of a building permit for oonstruction of any use contemplated by this approval, the applicant sha11 ffrst obtain permits andlor clearance from the foilowing agencies: /; �� ` �,t ,� Coachella Valley Water District City Fire Marsha] Public Works Repartment Architectural Review Commission Evidence of said permlt or clearance from the above agencies shall be presented to the department of bui�ding and safety at the time of issuance of a building permit for the use contempfated herewith. 5. All sidewafk plans shall be reviewed and approved by t1�e department of public wor�cs priorto architectural review cammission submittal. 6. All onsite utilities shalf be u�derground. �andscaping and irrigation plans for the apartment site and typical front yard landscaping and inigat9on pians for the single famiiy homes shaEE be submitted for review at the time construction drawings are submitted for plan check. r - ��. ��� �. `�__ P a g e � 27 City af Aelm �eseR RFP — Self-HeSp Housing Davefopment Dctober 2018 r�� � ��y �, . -� �'r '. PLANNlf�G COMMfSSION RESOLUT�Of� NO. 2314 S. Tha project shall be subject ta ap applicable fees at time of issuance af perm9ts including, but not [imitec! to, Fringe Toad Lizard, Att in Pubfic Places, TUMF anc! School Mitigation fees. 9. A 6-faot high hlock wa11(meas�red irom finished grade of each proposed �ot to tap of wa11) shall be constructed along the westariy, northeriy, and easlerty perimaters af the tract where b�ock wal[s da not exist. 1Q. Prior to the issuance ai building permits, ihe property owner shall prepa�e an ' atiordable housing agreement for the project site. A copy of the signed agreement shaU be submitted to the Plar►r�ing �epartment. 1'1. Construction drawings forthe senior citizen apartments shap include e�evations for carport structures. These drawings shall be sub�ect to review and appraval by the Architectural Re�iew Commission priorio ihe issuance of building perm3ts. 12. Minimum setbacks ior the 94 single family homes not franting on Merle Dri�e shall be the following: Front SetbacEcs: Rear Setback: Side Yards: 13. t5'-0' from living area to front property line located ai rear of wedge-shaped cancrete street curb 25'-0" from garages to front properly line located at rear of wedge-shaped cancrete curb 2�'-�" fram living area 5' 8 5',15' street side yard on comer lots Minimum setbacks for single fami[y homes on the 1�4 �ols fronting on Merte Orive shafl be the following: Front Yard: 20'-0" to front property Iine, which slarts 10 feet 6ack fram street curb face RearYard: 'ES'-�" 1 ��� , Page �28 5ide Yards: 14 feat combined, each of which shafl be not less than 5 feet 4 � i � , � .i � J Cily of Palm �asert RFp— Self-Hefp Flous�ng Developmenl Ddoter 20i8 �,>_ - � � � , �"� PLANiVEWG COMMfSSION RESOLl1T[OIV NO. 23i4 8, The project shall be subjecl to al! applicable fees at time oi 9ssuance oi permits i�cluding, 6ut nat fimited to, Fringe Toad Lizard, Art in Pubfic Pfaces* TUMF and School Mitigation fees, 9. A 6-foot high block wall (measured irom finished grade of each proposed lot fo fop of wa11) shail 6e consirucled along the westerly, northerly, and easterly perimeters of the tract where block wa11s do not exist. 10. Prior to the issuanoe ai building permits, the property owner shall prepare an ' affordable housing agreerrsent ior fhe project site. A copy af the signed agreement sha[16e su6mitted bo 4he Pianning Depariment. 11, Construction drawings for the Senior citizer� apartments shall incfude elevalions ior car�ort structures. �hese drawings shaq 6e subject to review and appro�a� 6y the Architectural Review Commission �riar to the issuance of building perrrtits. 12. Minimum seibacks for the 9a single iamily homes not ironting on Merle Drive shall be the followi�g: Front 5etbacks: Rear Setback: Side Yards: 15'-D" from living area ta front �ro�e�ty lina located at rear of wedge-shaped concrete sfreek curb 25'-0" from garages ta front property Iine located at rear of wedge-shaped concrete curb 20'-0" from living area 5' 8� 5', i5' street side yard on corner lots 13, Mfnimum sathacks for sir�gle family homes on the i4 fots ironting on Merle Drive shali be the following: Fror�t Yard: 20'-(?" to front praperty line, which starts 1 U feet back from street curb face RearYard; i5'-D" C,' � �`_,. Page {29 5ide Yarads: i4 feet combined, each of which sha�l be not less ti�an 5 feet 4 � � .! � � City a! As�m �esert RFP — Selt-Help Flousing Development October 2018 ��� 1 ._____-_._. .. _..- - � � PL4NNIHG COMMISSION RESOLUTtON NO. 23'�4 �.. '!4. O� the fina� map, the depth of the '!4 lots on Mer�e Drive shall be reduced irom 9Q feet to 87 feet in order Eo increase fhe lot depth of adjoining lots to the north. 15. Setbacks for the senior cifizan apartmeni buifdings and carports shail be as shown on the development plans daied Ociober 21, 2004. Denartment of Public Warks: '!. Drainage fees, in accordance with Section 26.49 of the Palm Desert Municipa! Code and Pa1m Desert Ordi�ance Number 653, shali be paid priorto recordation af final map. 2, Any drainage facility construction required for Ihis project shall 6e condngent upon a drainage study prepared by a registered c3vil engineer that is reviewed and approved by the Department of Public Works prior to start of construci�on. The profect shalE ba des9gned to retain storm waters associated with ti�e increase in developed vs. undeveEoped conditfon for a 100=year storm. 3. Signalization fees, in accardance with City of Palm Desert Resofution Nos. 79-17 and 79=55, shall be paid prior to recordation of fina� map. �; -�, ... �,, , 4. �ull public impCovements, as required by Sections 28.40 and 26.44 of the Palm ` Desert Municipal Code, shall be installed in accordance wRh applicable City standards including ti�e following; Impro�ement of Merle Dr�ve wikh curbside sidewalk to match previous improvement from first phase. 5. As required under Palm Desert Municipat Code Section 26.28, and in accardance with Sections 26.40 a�d 26.44, complete improvement plans and specifications shal] be submitted to the Director of Public Works far chec&ing and approval befare construction of any improvements is commenced. O#fsite impro�ement plans to be appm�ed by the Public Works Department and a surety posted to guarantee the instaUation oi required offsite improvements prior to recordation of Final map. Such otisite improvements shall inc�ude, but not be limited ko, curb and gutter, asphalt paving and concrete sidewalk in an appropriate size and configvratfon. "As-buiit" plans shall 6e submitted to, and approved by, the Director of Pub�ic Works prior to khe acceptance of the impro�ements by the city. 6. Improvement plans for waker and sewer systems shal! be approved 3�y the � ,_ ,� , P a g e � 30 Clly aT Palm �esert RFP — Self-HeSp Hauswg �avelopmeet Octobet 20t8 , --- � r; PLANHIiVG COMMISSEON R�SOLUTI�H HO. 2314 respective service districts with "as-6uilt" plans subm9tted to the Department of � Pubfic Works priar to praject final. 7, Al] pubEic improvements shall be inspected by the Department of Puhlic Works and a standard i�spection tee shaq be paid prior to issuance of grading permits. Landscaping maintenance of the "Retention Basins", shall be provided by the ho�eowners association in addition to ail other common areas. Landscape treatnzent sha[I be water effioien# in nature and shal[ be in aocordance wfth the City oi Pal� Deser# landscape design standards. Applicant shel! be responsible for execuiing a declaration of Conditions, Covenants and Restric#ions, which decfaration shafl be approved by the City of Palm Desert and recorded with the County RecOrder. The declaralion shali specify: (a} tha applicant shall ov�rsee the formation of a p'noperty owners association; (b) the,pnoperiy owners associakion shall be formed prior to the recordation of the Map; and (c} the aforementioned landscaping and street mai�tenance shall be the responsibility of the property ownsrs association. 9. In accordance with Pafm Desert Mun9cipa! Code Section 2fi.44, complete grading plarts and specifications shall be subrr�ifted to the Director of Public Works for ' -„ checking and approva! prior to issuance of any permits. An offsite grading � ��� authorizatio� let'ter is required prior to grading peRn9t €ssuance for oKsite grading on adjacent property. i0. Tr�aKc safety slriping shafl be installed to the specifications of the OireCtor of Public Wo�lcs. A kraffic controf plan must be submitted to, and approved by, the Director of Public Works prior to the placement of any pavement markings. 11. Fup impravements of interior streets based on residential street steRdards in accordance w�lh Sectio� 26.40 of the Palm Desert Municipal Code shafl be provided. Applicant shall be responsible foracquiring a!I necessary easemertts for o�f-site roadway improvements. 12. Complete tract map shall be submitled as required by ordinance to the Director of Public Works ior checking and approvaf prior to the issuaRce of any permits. 93. Any and all offsite improvements shap be preceded by the apprnva( of plans and � fssuance of valid encnoachment permits by the bepartment of Pub[ic Works. 44. A complete prefiminary soils investigation, conducted by a registered soils engineer, i 6 � Iy._- . _� P a g e I 3Z Cily oi Palm Desert RFA— Selfaielp Housmg Deve�opment Odaber 201B /% , ; l�' . r ` � PLANN�HG COMMiSSfON RESOLUTION H0. 2314 15. i6. shal� be submitted to, and approved by, the Qepattment of Public Works prior to the issuance of a grading permit. Pad elevations, as shown on the tentafi�e map are subject to review and modification ir� accordance with Chapter 27 of the Pafm Desert Mvnicipal Code. Waiver of access to 42f0 Avenne and Mer1e Drive, except at appro�ed tocations, shall be granted on ihe fina! map. 17. Applicant shall comply with provisians of Palrri Desert Municipaf Code 5ection 24.12, fugitive �ast Control as well as Section 24.20, Stormwater Management and Discharge Control, 18. Prlor to the start of construc4on, tfie applicant sha11 submit satisfactory evidence to the Direcfor of public Works of intended compliance with the National Pollutant Discharge Elimfnallon 5ystem (NPDES) Genera! ConstrucEian Pecrr�it for storm water discharges aSSOciated with canstr�ction. 99. 20 Easements to provide access to the single-family lots to the north and south of the senior units shall be provided on the.final map to the satisfaction of the city engineer. Any and a11 utilities shall be under grounded. Riversie3e Caunf� FFre Deaartment: With respect to fhe conditions of approval regarding the above referenced pmject, the fire department recommends the. fo�fowing iire protection measures be provided in accardance with City Municfpal Code, NFPA, UFC, and UBC or any recognized Fire Protection Standards: 7he Fire Qepartment is required to set a minimum fire ftow for the remodel or conshuction of a11 buiIdings per ilFC article 87. 2. 3. 4. ` Page,�32 A frre t�ow of 9300 gpm fo� a 1-hour duration at 20-psi residua! operating pressure must be avaii�ble before any combustible materia! is placed on the job site. Provide, or show there exists a water system capab[e of pmviding a potential gallon per minufe t�ow of 1500 gpm for single family. The required frre flow shall be avaifab{e from a wet barrel Super Hydrant(s) (6" x 4" x 2- 112" x 2-'l/2"j, located not less than 25' nor more than 200' from any portion of a single family dwelling measured via vehicufar travelway. G1ity ol Palm peseK RFP — Self-Hefp HouSGlg OeveIaprtlerrt Odo6er 2018 /�— ` � r PlANNI�VG C�MMISSIOIV i2ES01.l1T101V NO. 2314 5. Water Plans must be approved by the Fire Marshal and i�clude verification that the water system wilf produce tt�e required tre f1ow. 6. � All buildings sha[I be accessib�e byan all-weather roadway exiending to wiihin t50' of alf portions of the exteriorwalls of the first story. The roadway shall not be less than 24' of unobstructed width and 13'fi" of vertical clearance. Where parallel parking is allowed, the roadway shall be 36' wide with parking on both sides, 32' wide with parking on one sEde. Qead-end roads in excess of 150' shall be pro�ided with a minim�m 45' redius turn- around (55' in industrial devefopments}. 7. Whene�er access into private propertJr �s controlled through use of gates, barriers orother means, provisions shall be made to install a Knox Box key o�er-ride system to aflaw for emergency �ehicle. access. Minimum gate width shall be 16 inches with a rrtinimum vertica( cfearance of 13'6". 8. AI[ buildings shall ha�e iEluminated addr,esses of the sixe approved by the City. 9. Gonditions subject to change with adopfion of new codes, ordinances, laws, or when build'mg permits are not abtained withln twefve mo�ths. _ A[1 questions regard9ng the meaning of these conditions shal! be referred to the Fire � f;` MarshaA's �ifice at (760) 34&1870. ,ti . 11 �� � P a o e � 33 City of Pelm �esert RFP — Self-Help Housing �eveloprtlent Orlaber 2018 �,-; `- . r� } w rxr a�r or rrw xarcT, wewn ur atirxs,or, srxrr ar uurorw, TRACT MA�P N0. 30795 �� a� �a, � a ie�i � ��o�77X�a sr��r `0 � x1 � � � ' iCicf +0. �I[f3-r. CK I4E ar aaa[ 1ay I�s Jr I1[rGUw� .o, eenu9r{, er vu1 a vprtmn a/ r�eA �C• Pf ruCci YAI ialYi� �0. as-nl. KLAIOFn AMl. T. iCW. Af OTJTlYurt fIP. SJDJ•. iU3N. [a9 �/OGTqN C! LOiS 'A'. 'M' Mv 71 : IS SNVYN aN. 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Y\Y�'1l Pa9e ��8 ^�r.r �f G ,� u�� e o='e s,� �. �"' cw oai� � . . .� ��.r� • �; }� �7�' � � f u1� �v�� . +�u�artii _ [i-.. �+ � � • T ���_���'"'� _ f � �4� :.'7���Q,-�'" . � � •) R y •�+ ������•�� . ..IL 1643 cb af aa�m onenRFP _ Sdi+lda ��o oerdopnem O�toor 37sa { . ` (� !� CITY QF PA�M QES�RT REQUEST FOR PROPOSALS for 5eff-Nelp Affordable Housing Development For Income Restricied Properties Contract No. C3S510 ATTACHMENT 1: C�RTIFICATE OF IiYSUR4NCE Updated Certificate of �nsurance is pendii7g, u�on receipt trom insurance coinpany, we ���ill farward to yattr office. Attacl�ed is inast rec�nt availal�le certiticate. Page 1 of 1 i�� V �IL��, 1 ��•� � �OaC�leUo VaGe;; `laus{ng CoaliEior eg�borw rks- CNARTEREp 11fEMBER � -�j � ATTACHMENT 1 ��' �� DATE(MWDalYYY1'� �� CERT[FlC14TE O� LIABIl.ITY INSURANCE I zo�z�a��ox� 7HIS CERTIFICATE IS ISSllED AS A iNAi7ER OF 113FOEtAAA71DN ONLY AN� CONFERS KO I�GH7S liPdN THE C�RTIFICAT� HOl.17ER"THIS C�R'I1F1CpTE �OES NOT AFFlRMAi1VEl.Y OR NEGA71NEl.Y AMEND, EXTENq OR A[.TER 7HE COV�RAGE AFFORDED BY iilE POLICf�S HELOW. THiS C�R7iFICATE OF INSl7RANCE DOES NOT CONSTITLTTE A CONTRACT B�'CWEEN THE 13SU]NG lNSURER(S�, AUTHORfZED REPRESENTAT}V� DR PRODl10ER, ANti 7HE CER-!']FICA7E HOLD�R. 10.7PDRTANT: lf tbe certi8cete ho�der fs an A��ITI6NAL INSUREU, ihe poli�y�Ees) must be endorsed. if SUBROGATIDN !S WA1VE�, s�thjee! ta the terms and condf,l4ona oi ihe pollry, certain pollcTes may require ao enda�sement A statemanE on th[s certifEcate does not eonfer rights to tha eertificafe holder In lieu of sueh endorsement(sk PRODUGER �[���+a�T K1m HR�CI1�II90a JD Fulwi2er & Co. Insuraaoe, �n�, �'++�E (503 293-8325 F� fAfE.Ho_E� � - Il4fRNnF,I5a7)593-6i]B 5727 6S9 Maeadem Ave ����,khutchinso��jdfnlwiler.cwn PO 9aX 69509 1HSUREktf5fAFFOFtbfNGCAVEqAGE HAkCIt Portlaud OR 97238 � �y�p;�+iret Pieroury Iasuran.r.P [NsvAeo � WsuR�tB:Philadelvhia laauraaae Co Coaehalla Va11ey iFoueiag Coali�ian f���c: 95-701 Moaroa St., Suite G �wsut�ao: I ]NSURER E : ' Indio . CA 52207.-3964 �mt.snaFp�• COV�}2ACF5 CERTIFICATE A![JMBER:2D].7 to 20],8 ��� REV15f�N Atf]I4NBER: 7HI5 I5 TO CERTIFY TH,47 iHE PC3L4CIES OF IIVSURANCE �.IST� B�I.OW HAVE B�EN ISSUED 7D THE INSl1RED tiAM�p ABoVE FOR TH� POLICY PERIOD fhlAICATED, jV0T1M'T};57,4ND1�+G AM' REQUIREMENT, TEAM OFi CONpiT701V OF At�1f CONTRACT OR aTHEA DOCLIIJlEN7 WITH RESPECT 70 WFllC}i TH15 CERTiFli:4TE NWIY BE�ISSUEO OR MAY FER"fAfN, TFiE 1TE5f1RANCE AFFDR�F� 9Y THE P0�1ClES p�SCAIBED HEREIN 1S SUB,IECT TO AL! THE TFRMS, IXCLLlStONS AND C01yIDTPiON5 oF SUCH �,nnT/1 7'CI LIMITS SHOWhI HIAY iiAVE BEEN R�QUG SY'Alp C[AIMs, INSR " — --- - A�� 'C�� � --- -- �� P��FF " POL7CY �7CP LTR 7YPE0'rINSBRANCE iNso bvo PflLtCI'NtlMFFit 'r�+�rt:DIYY1'YI FMMldprvn� LINIRS ]L Cp�MERCWLGEHERALLIABfCRY �q�J-jp�J��y� y 1�0O��ODO A� CLPJMS-DMDE � 4CCliR _ 6,�ClAhC,'�'fCl F�EN(ED 5Q. 000 PR@Ff18£S fF� oeannetxgS S WA•Ca,_o0oO01B573-04 7.Q/1B/7GiT SD/iB/Rfl18IM�k7CPf�u3epersad �5 8xaluded I Ip��ONALBADVlH1llRY S 1�ODDJ000 �--� -OE-H�ZAGGREI3ATELIMiTM?LIESPER: ', � . � PIXJLY ❑ dFR1S�f ❑ !DC OTHER: AUTOMP9t�E LA9[LI7Y � _ AfA'�JJ'fD P1.L 0r4NFD SC�i�Ul.�p _ AUi05 AlJTS76 ?� HIREDAl1T05 x A[f�� 5�❑ X uMer�ua uas I x I�� � � �cessune � antr�sr�noE F]EO I� I RFTFNTIR�f S l0.OD0 wo��s co�areHsanoN i ANd E4IPLOYfRS' L7ABILRY ANY PR{)PRkET�R/PAATN6�XECl1TNE Y!N OFFtCERIMEA78ER occWAEo1 � NlA (Mandelory kn NNj �1y desa�IDe u�dar ES�CRfP110N f1F fIpER.47iDN5 betow _ _ P�1C1777825 � �(�ENEIiALAGGR�GATE g ���OOf00D PRODUCiS-CAMPh�PAf3G S ��a00.006 S - - �M��SINGLEL1hdIT ; 1.000•000 I BODSLY IN,ILJRY {Parpetsn� S aa/ie/�oi� xo/is/�ole��oo��Y1NJURY(perarddersU s I + PROA� UANA�E s 1 fPerBcd enll E�acKoacuRa�ce s i,00a,00a � I AGGREGATE S. ]., 000, D00 rac-ax-aoaoosess�-os �.o/ie/soz� io/ia/sois � s PER I O�TH- �E:LEACHACCIDENT S E,L d5EA5E - E4 EA6PLOYEE S F.LIN56AS�-PDLICYLRAR E DESCRlPT01�I bF OpFAATI0N6 lLQCAilOH51YEHICLES �ACORQ 1Q1, Addlllerul Remerla sehedufe, mrq pe ettaehed R mere space }s iequlred} CERTfFICATE EiOLbER Ineured�� Copy. �� . ACORD 25 (2Dt41p7) �NS026 {zo14o1) CANCE�LA'TION SHOULO ANY OF THE RB�V� pESCRIBEG PDLJCIES BE CANCELLED BEFQAE T!{� E�(Pl}LqT10N OATE THEREDF, HDTICE WILL SE DELIVFREp IN ACCOR�AHCE WITH THE POLJCY PRD1lI51DN5. K37rt H11tC}171ri90X1�7CIMH Y !I''�l /7GG'�L�LUJZGr�'�� O i 986 2D74 ACORp CORPORATION. AII rights reserved. The ACORD �ame and lago are registered marks af ACORD Ban k of America ��� Merr`rll Lynch Community DeveloprT�ent Bankin� CA9-� 93-20 31 333 5outh �#ope Street, zQ`r' Floar Los Angel�s, CA �Jfla7! Dctober l 9, 20 i 8 City of Palrn Desert Attn: Jessica Gar�zales, Senior Nlanage�nent ,Analyst 73-5[[) Fred Waring Drive Palm Desert. CA ��?60 Pedro Rodriguez Coachella Vall�v Housin� Cc�alitinn 45-70I Moiuoe St. Suite G Indio, CA 922U 1 YtE: Self-Helg Af�'orc�able Housing Deve�opment RF� Contract Na. C36�10 Dear Jessica and Pedra: F3ank of America currentlY has a financing re2atianship with Coachella Valley Ho��sing Coalitian. ai�d would consider for a tuture Palm De�ert affordabt� housing transaction, the Developer's construction guarantees, rnst guarantee�. operatin� deficit, and camp3etion guarantees. Based on aur pretrininary diccus�ions and re��iew, this project is ccrosistent with thc nlission c�f the Bank to redevelop and revitalize neiahbarfloods by developing aftorda�[e l�c�using. VVz would be �nterested in workin� with Coachetia Vall�y Housing Coalition if you are selecte�l by the Ciiy c�f P�lm DeseEY. Pleas� n�te that this letter does �3ot represent �n offer or conuniu�ent by t�e B�nk of America for dte prn�osed financing, nor does it define any terms ar conditions of a lo�n corr��iutment. Issuance of a commit�nent f�y tl�e Bank of Ame�-ica is s�bje�t to. among other things. the approvaE of a laan request under the Bank c�f f�n�erica's i��ternal a�proval process. Please feel f��ez to contac� me at � 13-G21-7590 if 1 can answer any questions or provide furth�r information. Best regards, ` �y��G��l. ¢—�f�,j��� � L L Maria Jayre Ma,ynard Senior'Vice President, Community llevelopment Banlc of America MerriIl I.ynch CITY OF PA�,M DESERT R�QU�ST FOR PROPOSALS far Self-Help Affordable Housing Develapment �or Incame Restricted Properkies Cor�tract No. C3�510 Attachment 3 �CKNOWLEUGE�ViENT The Caachella �'alley Halising Coalition hereb�� acknowleciges receipt oi a!l docurr►entation relating to the Cit�� of� Palm Desert Rec�uest for Proposals re�eased �n October 1 I. ?013 ar�d tllat no addendums were r•eceivecl tinder this RPP. Page 1 ot 1 ����� ' ��.� 1 �.�������i:� ,����_�. � ;o�,sit.g �c���u�,� NeighborW rksR CHARTERED MEMBER CITY O�" PALNI DESERT REQUEST T'nR PROPOSALS t«r Se�f'-Hel� Affordable Ho«sin� Developrnent F��r Income R�stricted Prupe:-tics Contract No. C36�1Q ATTAC�N�ENT � CONTENT CERTIFICATCON Responde��t(s} certifies tl�at the folloti��in� stat�i�1e41ts a��e true and coi�rect: 1. The undersigned ��as f�ll authorin tu bind the Developer to t��c Propasal sub�l�itted in response to the City of Palnl Desert's Re�uest for Propasals far S�l� Help Affordable Housing D�velapment. ?. Tf�e undersigned certiiies that tl�e information included in or attached to the propos�l is true ar�d correct and until su�li time the Citv sel�cts and unconditianal[y approves an Agreement, t11e undersigned will report any cfian�e�s in ar additions to ttie informatian a.i�d furnish hirthei• docurrteiltation or informatian as n1a�� be requested. 3. Tl�e undersi�ned agrees to harnish and deliver all services, items, and dacunients 1•eprese��ted i�� this proposal. 4. 'The undersigned ���ai-rants that h�'she has not given, offered to give, nnr intends to �ive at any time hereafter any economic apportunity, it�ture em�tiloyment, gift, loan, gratuity. special discount, trip, favor, or ser4ice to public servant ii� connection �.vith th�s �roposal. �, Tlie unc�ersi�ned certiii�s that proposinv Developer, or anyone acting a�1 behalf ot firru, Eias not vialated antitrList laws ofthe St�3te o��Ca�ifos-nia, Feder-a� antitrust la�us ofthe LTnited States of America, or calluded in any way, directly �r indirectlr�•, �vith any ca��lpetit�r, partner, nther proposing firrn, or individual, in the prep�.ration Qf tl�is proposal or fees quoted. b. The undersigned �ck�lowledges �nd accepts alI terms and coi�ditians referenced in tiiis Request for Qro�osa[s. 7. "The ux�dersi�ned certifies they, or t�ieir represented lir�n, has noi r�ceived ec�mpensatiar� for parlicipation in the prepa�•ation of ihe specif cations for this Req��est for Proposals. 8. The unders�gned certifies ihe�-. or their represenied firm, is flot czii-�•�rnl�� u�lc[er investi�ation for any harassment, fair h��u�ing or equal oppoi-tui�ity en��loyment violations. or alleged violati�ns, b}� any state or feder�l �odies, that has iiot been iilfly disclosed including details c�f that investig�tion, in if�is proposal. ic�� 1 �••• ' �L�lr,hell$ V�llcy �-+o�,s��ng Coai�tion Page 9 of 3 . CITY OF PALM DESERT REQUEST FOR PROFOSALS tor Se�f-Hel� Affordablc Housing llevelopr�aent For Income Restrictcd Pr���rties Cantract No. C36�1 a ATTACHMENT � CONTFNT CERTIl{ ICATION 9. -1'he candersigned agre�s to e.r'ecute, or negatiate in �oocl 1'aith tlie execirtiai� of a contract for the provisiosi of services represented in ti�is pro�osal. I0. The t�ndersigned acicnowledges the City of Palm Desecrt's righi ta reject any, and �11, prop�sals ai its sole discretion. jSig�zati�res to�'o!lo�w or� tlre rre.rl Fa;eJ Page 2 of 3 ����� 1�••�1 '.oa�hellE Val1�y �aouS�ng CQalisi�n CITY DF PALI�1 DESERT REQCI�ST FOR �'ROPO5ALS tor Self-He[p AfFard�ble Housiag De�•e�opment €�o�� tiicome Restricted Propec-ties Coniract No. C3b5I0 ATTACHMENT 4 C0ITTENT CERTIF'ICATION PR4PO�AL CERTIFICATION ('Co�tit7�red) � -- -1� n S' nat �re of Auth rized Representative Ju[ie Barnstein 1'rinted Name af Authorized Represex�t�tive ���. �3,��1� Date � Fxecutive Offcer Tit]e California nonpro�t public benefit corporation �01(c)3 Printed Firtn Name L��al Status {]nc., LLC, �tc ACKNOWL�DGEMENT A not�ry- public or other affcer completing this cei-�iticate verities �nly the identity o� the indivic�ual who signed tlle d�cument, to wfiich this certificate is attacl�ed, and nQt the tri�tlifiilness, accui•acy, or vali��lih- o�'t11at c€o���ment. State of California ) } SS. Cntility of Riverside ) On �C�bet -�.� ,?�� befare me, Fabiola Vaienzuela, a Notary �'ublic, personally appeared Ju1ie Bornstein, wEio prov�d to �ne nn t}�e basis of satisfactory evidence to be the person�j�u�hose narrte� is/�-r� subscr�bed to the w�itiiin instrument a��ci acknc�w[edged to me that �Ishe/t�y executed the same in �is/t��r/tk�r aut�orized capacity�j.�sj, and that by �her/t�r signatur��s� on the instrument the pers�n�'; dr tt�e entity upon behalf' al� wllich tIze person�s`f acted, executed the instrument. certifv under PEN.aLTY OF PERJURY und�i• the la�vs of tlie St�te of Cal�fornia tllat the #ore�;oing paragrapl� is tru� and correct. WITNESS my ��and and af�icial scal /' � l� /"'v S�gn ure � !'age 3 of 3 FABIOLA VALENZUfLA � � �� Not3ry Pubiic - California 4 -: Riversidc Counly z z ' Commission # 2159230 D � Mr Comm. Expires Aug 4, 2Q26 � Seal �<��� 1 � ' ��-�eciiella Vallr;y Hp,iSiny Coalifi0n eig�barW �r Cl1AilTERED MEIIRBER ry� �\ , ,5 ! �'� J �• ti // � r.� ) � Leri updalcd on 10R712018 COSTCOD� 7.0 2,0 3.0 4.0 5,0 5.0 7A eA 9,D 10,0 1'{.0 COACHFLLAVNLEY HOlJS¢9G CQAV110N PhLM aESEAT HFA- S4 LO'f9 PRE79AINARY CONSiRUCifON 9UOGET SBFpROOM UFSCRWTION 9276 PRELONSiRUCSIDN 1.1 ENGRIEFR¢9G65lJRYEY�nClud"+nggfd6rgClf 12 FfLt E. GRADE t.3 HOUSEPLANS fA COIv�pCTfOHiE57 73 WA7ER METFR 7,6 WATER USAGE 7.7 PLO7 PL.NIS f.a iIIiPAONE !3 FAUIPA�HTREN7AL CONSTRIlCT10H 5ERYiCES 21 7EMPORARYAOWER POLE9 7.2 IiOtl9E METEit t7 CONSTFtLC110NTPAaER 21 STORAGECONTAW¢i ,2,5 POfiT-01ET ss r�ow�m�irca�c Z7 TFJAPORhRYPOWCR xe �usH oaros� 7.9 7OOLPLIRCHASES�forfartv7ies) s9 Secwny CCNCAEfE 3.1 SOILiREA7F�Hi �Z HOVS�SLA9{includ"vigfornaanApo�[enslon) 3.7 FLhSWORK(poRhes,diireways,ra[kways,stp FRfih@1G ANU RDOFP[G 1.! ROVGHLIIhffiERC�rtclu�ngrid"�aRtbarfief} 12 FRAh�1G (iacluCng hafdY Pa�I t3 7RUS5� <A RODFWG MATERU0.S 1.6 WINOOWS �6 GNt0.GE000R PLlIMBRJG 5.7 PLlIM81NG 52 9AMAG6 s.� FlaesaRwK�xs s,� serr�craxx 6S PROPANEG/197ATi% HEATWG ANO {VC 6.4 HFATWG,JVCAN�EVAPCDOL.ER � GrTRlCAL 7.S ELECiRICAL(�oughandfinish) 72 UH�FRGROl1No MATEItWL�eIECIlieal, phme,a wsuuaoH a.t wsuunon. HERS TESTRIG ORrifN1 9.7 �RriYA21 F]CIERIOR NfALLS 147 Ui7HQi0 S PUISSER FIN6H CARPFI�TRYB HPAMAfRHE 1�.1 FVS6}I LUMBER (iMtu�vq Ooors d. LAC�sj 71I FT76}f MAROWAFiE 11.3 PA4lf ANU MATFRWLR ��.� cnewers 11.5 FORR4GATOPS 71.6 YATRrY TOPS 77.7 RANGEAHDHOOD 3,000 7 090 500 soo �oo �OO �00 6,600 SSD 95G 400 zoo soo mo 2S9 sao aso soa ],910 350 17,090 7,700 _ 77,050 7,050 6 5,400 9,600 ■ 6�/00 1,200 600 29�50 7,600 $50 x,000 _ � 9,650 6,500 6,SOp 6,600 'i,590 e,soo �,000 750 3,750 7,OOD 7,nn0 7,SOO 7f00 2,C00 30D BE9 7,500 70� �sa 600 r,uo I BmRDOM 19T4 s,000 z,00n soo 340 soo soo 200 B,fipO 650 950 400 200 zoo xoo zso 500 aso 700 H,97o 359 13,509 3,70� 17,559 9,70fl 8,6011 s,�oa 6,700 1,390 650 70,ZS0 7,690 sso z,00a 9,650 fi,59fl 6,500 6,000 7,500 e,aoo a,oao 950 3�35G 7,20� 7�00 7,700 7,700 2,600 900 970 2,500 790 sso 600 T,E80 J^ COSYCOCE 7/.0 18A COIYC!lELLA VlLL.LEY MOUSINO COp1Ji1DN PALM �ESERT RFA -1� LOTS PREEINpMAAY CON37RlIC710N BUOGET ] BEDROOM UESCRIP710M 7775 711.5. CMPEf i Bl1NOE l4.1 CFRAhNC 771-Ei CARPET us eu�ros LANOSC�PlNG 1�.t FINL4HaRAUE 16.2 PERMANENI' FENCE 76.7 SPRNKLER SY�7EM (inCludlnyllmeQ 1BA PIJWTIIlGM117ERW.8(iRClutli�gsodj SUB•TO:AL CON37A4CTION COS7 17.0 CONTNIGENCIEB 77.7 CON7N16ENCIEs 172 MV�ILBO%ES SU&TOTAL CON3. COST d CONi1NGENCIFS �a.o LJWDGOBT 7t.7 WVDC057 SIlB TDTAI CON8TRUCTION pN� IAND COST � SY.O FEFSNON1fOVERNMENTfiL 14.1 Cl.Q4N6 COSTd 7}3 PROPQiTYTAX 79.7 ACtI�ENT IN9URpNCE 1!A PLIWSlWbSPECS f0A FEE960VERNMENTAL x0.t SEWERCONNECSIOM 20Z WAtER CONNEGTIDN 20.] BUIFAWdPERMIT �0./ SCHOOLFEES :o.s o��re �s TATAL HOIlSE COSY XAAOC45TCON37R. ppEYNEM6 WAf3E W�ED COSi FE69 roru cvNarnucnoN / APPIUfSE� VALIlE sw�r ecum PERCEMTAGE TO7ALCON57RUCT10N Nl1MBER OF MOMES TOTAL T07AL PRO.IECT COSY Y,1E0 aoo z,�u �oo �,6P0 1,700 P,400 �¢00 117�t0 1a25 106 4,{26 119,E76 �:.000 �Z,OGO 7it,316 B,iRD 406 I 60C �.i00 I,i57 6,:97 7�DG /,417 soo a7Ass 769,00� 17f,�15 O 4Y,000 2T,ti5 i�f,ovo 1{4,900 1lt,000 3.001 ��cx 1i9,000 4 �ss,wa 48ECRDOM 7371 i,�so aoo z,iw aoo �,600 1,�0 �� t,500 120,t40 t,231 i0D 1,331 7i1,571 �r,000 1S,ODO 767,571 7,i00 400 670 /,600 I,i51 6,alT 7,7� 1,7�2 L00 xa,sso u�.000 127,671 0 �Y,OOD 2t�30 7l2,OOD 192Ao0 1fi,500 �,600 x.r�t 19t,000 70 1,l20,000 2,675,4fa �i .i . � THE COACHELLA VALLEY HOUS[NG COALITION AND AFFILIATES Pfaza I, 4�-701 Mor�roe Street, Suiie G lrtdio, CA 92201 ��� � CONSOL[DATED FINANClAL STATEMENTS AND OTHER FINANC[AL ]NFORMATION �' �`r Year Ended September 30, 2017 THE COACHELLA VALLEY HOUSING COALiTION AND AFFiLIATES Consoiidated Financial Statements And Other Financial Information Year Ended September 30, 2017 TABLE OF CONTENTS INDEPENDENTAUDITOR'S REPORT CONSOLIDATED FINANC[AL STATEMENTS Consolidated Statement of Financial Position Consolidated Statement of Activities Consolidated Statement of Cash F�ows Notes to ConsoEidated Financial Staternents SUPPLEMENTARY FINANC[AL7NFORMATION Combining Statement of Financial Position Combining Statement of Activities Combining Sfatement of Cash Flows Statement of Revenues and Expenditures -- RDISHTA For the Period October 1, 2016 through May 31, 2017 For the Period May 5, 2017 throttgh September 30, 2017 For the Period October 1, 2016 through September 30, 20'[7 For the Period July 16, 20'[4 through May 31, 2017 Statement of Revenues and Expenditures — NeighborWorks America — Expendabie Grant Funds ' NeighborWorks America — Housing Counse[ing NeighborWorks America — Capital Grant Conversion 2017 NeighborWorks America — Capital Grant 2Q17 - Expendable NeighborWorks America — Technical Assistance Consolidated Schedule of F�nctional Expenses ScheduEe of Expenditures of Federal Awards for the Year ended September 30, 2017 ADDITIONAL ENFORMATION- Independent Audito�s Report orr Consolidating Information Consoiidating Statement of Financial Position Conso[idating Statement of Acti�ities Consofidating Statement of Cash Flows Exhibi�ISchedule Paae 1-2 A � 4 B 5 C 6 $-33 r � �, �� 1 35-3fi 2 37-38 3 39-40 , -- � 4 4'[ 4-� 42 '�� 42 43 4-3 44 5 5-1 5-2 5-3 5-4 6 45 46 47 48 49 5Q 7 to 7�3 5'[-54 55 �s-sa fi1-fi5 fifi-70 '-1 , `�i � THE COACHELLA VALLEY HOUSING COALITION AND AFFf LEATES Consolidated �inancial Statements And Other Financia! Information Year Ended Septem�aer 30, 2017 � TABLE OF CONTENTS (Continued} �1s; _ E�chi�iUSchedule Paqe REPORT T� MANAGEMENT - Independent Audita�s Repori an Intemal Control Over �inancia! Reporiing and on Compliance��and Other Mafters Based on an Audit of �inancia[ Statements PerFormed in Accordance With Govemmenf Auditing Sfandards , 72-73 lndependent Auditor's Repari an CompIiance far each Ma�or Pragram and on ]nternal Control over Compliance Required �y the Unifarm G�tidance � 747� Sched�le of �indings and Questioned Cost 78 r� r iJ _�i � + ,.lf 1 i s i si a- �b,. Yf : R ����_ �'��,�}�� � _� ty - } `� ! � ' .. . L1�1�,��� y t ���� 4.% 15 ':` !°'1�••'�.�I[�1lSC E�C�COiSY1..i.4i-,A 1 ' - t t x . . , --,��� i - - - --- . . . ' y�.. , a � -. ., �-. ... , .__ _ . . _ , . . - . ;_� .. .��... ... . _ _ :i ,. � . . _ _ _ _ - . _ ' l : - -. - ' . 3 �`. �,r>��,�go Et1�a,R�7�„ s� 5�i ��.�[��s���ar, r�o�.9��x?l •. �?�v} �7���s �°� {760} �7�-�'��"' ��,�..: �,t' f � i ��i_' t �..f, v E F ., _ �!k . � ( � ' � � -� f -s - . � � , ,.F F 3 . . >}•:� 1 5k �1 -ti Y. . _ �. . c : . .. . �.•.� � .. , - ' . �' , � ' F �iND.EPEND�NT'AUDITOR'S REPOR7 � , ; ; _ , �� _ .� : �.i,. ,f�.. i . ,�: s � �. . � .� " . ,f. � s . . :f' �• .. . ' .. ' ' .� . j � i .� ; 5 + :.{}; _ . . " , , , " ' . _ . - � � To The�Boa,r'cl�of'DiTecfor' ' ��F�� � , � �'�• �_ .�- .� . � -__ - _..-.. .'. F � _ ' , _ _ ..' ..'. _ " . � .. TEie;�Coachelia.Ualley,�Housing'Coalition, .[nc. , - -_ . � , . � ,Indio;�;Califorriia ,� .. � � .. � � � ., , i ' 1 `i �' �. - _ , ' ,. ' . , , . _ � A '- � t � # .. :f" F ' . .. " " _ ` Re orE-`on the Financial�Statements� � � � � � � ��k � P _ � - . � �. . � . � ' �` • �` �� � : �' rv:: "�., .. �- ; , , � � - °� � :: :� - ., -., � �.. -•� - _. �. ... � . . _ . .::, ., � . �_ �,' `, > UVe h��e aud�ted '�he accompany�ng"conso�idated �financial.state[nents of.The-;CaacheNa Valley� � � - {,� Housing; Coali#iori;:.lnc:.(a� nonp�oft organization?,:anel� affiliates, wtiich comprise�the �consolicfated �- :>, , . ; .. . , , . . . , . : .:...: ... ... . .: :; . . ,, . _. . .;� �, _< �, sta#er�entaf fnancial positibn as. of Septeri�ber:30, 20�7;.and.the related conso�idated statements,,, .� '. ;� � ` ` � � of act�vities;�;and ;cash�,flows for�the�•year'then ,ended; .and:tF�e r�lated notes�to, tfie; consolidated - - �� - . _ ., , ��"� � �� ` �fnanciaE siatements:" : ,.�. � � . . .. . � _ -. . -. -� '.3�'��jR �f:,.,,'� -1f '. � � �'S' � ' '_ .. ' 'F _ � _ �� .�.:, ' .. , � '" . �� ana�emer�t�s Responsibilityfor the F:nancral;Statements � �� � �� , ""zse < 'i ' } � zF . . . �• . - - , , _. : - '�+r � s . . .,,'•;N..,. _ ` "... '''.,.��=',:. . t 1I , . . . � � ; , , ;� ' �x : E�> �?� ,� Management zis respons�iile for` the preparation and. fair-�, prese�tatipn of these consolidatec! � � . ., , w M�;�= S�`' '�nancial statement5"i�:acco�dance witi:i :ac'coun#ing=��rinciples generalfy�.'�cceptec� in the United �- � .V , � � �„� . ,. _: : . .. � :.� . _ � ; � ,� �"x f �;�States.of Amenca� #his,incl�des �ffie design,; rrrzpiementation; nand ,maintenance of.internal controi � � �`� ,� �� rele�ant �o the preparatiqn:and fair,presentation of fhe�consolidated.�finaricial statemenfs tf�af are .' `�; ��- ��� r`��f�'� �fr,ee from�maierial m�ssfatemenf whether diie;to'fraud or error �; f � �_ � � :..� :,... _ _;,..,.. ,� :, t � r � � � ,.,... , F _ ; ,;F: t�: z,•: � ;^,. ; � _ �,�,.; �,-ia e � ,<;y � -;.::..,� �7 : . �' � - < ,.., s -:� s , a''{ � �€ ,kk-� . ._.: ` .7 :a_'� ..t . s ' - S -v' E A 5 ,. . .e., . . } _ � �. ,.� A � �<� '�, Audtt�or''s:�Res`po�isib�lity, <, � ,:�. * ' - € „% rs" �a �:� � ', a `F .a F � � � : 7 i � T . < .�, a.�. F�' ' " t a-� ,� , , � -� a �; � . - :; ,� < .. i' F 5 r . . _ ( t .. - - . • _ : !:. , . ,• '. 2 Y � � 4 'l. , ' , . .._ , "''� ,.- - _ - _ . _ ' ..� . . � � -� ; .e:-- . � F ,,;� � �' �ur�respons�biGty is fo express a��opinio;r� on t}iese consoGdafed financial�statements`ba�ed,�on -- r , %a. t-� -� - . ., . _ ., .. , -' f �,� our audii � Vt�e coriducted�our_ai.idii in_acco�d"anea wifi� auditing stariciards, generally-acc�pte�f�in`''� � � - � ` � `-tlie Un�#ed States;:sof::America_�and;'tfie.,�tandards�:appEicabie to'�inancial'.auc�its�"contained;-in � "� � � �� �� ,�. � - - - •. _•- - - . -•- ... , ,, . . . . . , . . ':: x�� ��,>� �ovemmentAud�tmg'Standards,.is`s,.ueal tiy�th�.Camptroller•.Gener`al a�:the�Unite'd 5tates. Tfiose 4� X�� ���r�� sfandards�reqt�ire that we� pfan'•'and perform tFie. audit to; obtain reasonable assurance� about��? � � ' � ���, _ � r� , �wh�ther th� cor�sol�dafed:fnanc�al;stafements are free from materia[:misstaterrienf. The fnancial ' � _ " .. :� � k � staterrients.ofr#he affi�iatesywere not aud�ted in`accordance �with���governmenf aucliting�"standards:�',�� Y�-- "n.��'ng tx�,�/ y � � rq � �' ^r � '�x � ��yz..w{��xi'� 7iz� �a�3�, � 1 � . t , r;, ... . ;t ., s . � � � ��� �a ���;�,����� �aiid�f ii��oives � performing �procedur.es�,-to'� �abtain`-'audit.-evidence about ,the. amou�nts anci ` � �_ < `� ti�sc'�iisures �n �he consofidated financial staterrienis.�'.'The "�ocedu�res::selecied��depend'�on the z �� ���' � � � , �,� � - . . . . , , p, . ,, , �. y Xz ����tid�to�'���udgmer�t, �iic�uding=,the,.assessmenf� of "th.e risks' of.•materral, mi"sstatement� of{ttie -., ��' .� 4�,� ,��r��lidatetl;'�nancial sta`tements; wt�eti�er��d�e to��fraucl.; or,..�error'' I'n',..making�,fl�ose�.;risk' , '�'`- `�� ���"`� �ssessments the �uditor considers`_in#'erna[`control"�elevar�t ta�t�re.�ent�ty's: preparatiori aricl;:fair ��:�; ��� �.� , present�tion'nf ihe conso��dated finaiicia[=stateinents=i.n�order,,to desigri audit:proceclures thaf ar.e ' � �`� .� ;�`�;�� ��approprcate$�nY�the ciEcumstarices;�;,iiiit,:not:for,.the, purpose of,.,expressing;.an, opinio�' o�� tt�e f, ,.....,s ��_ ..e.�. �.��,. _�.. �.� . _,.�... _.,..,,. _,. _ �- . _, .. < . E . , , ,. . .... . .. .,....-- afes= rriai I. ��Accordingly,� we"�express �no'': �.5.of accovnting_poficies_u`sed �ai .`by: ��nanageinen�, ,�as,,.we�l =a's.. �iatements: � ;_'' - �; �,� � :F � � ��'f:% ve obtained�;is suffici�nt:and;aF :ifi; �� .a7. '}_ _ :��F` • ' `:F�. � t f � d 1 � ; , ' ,4� t"N. - .::i��� � �a i _�� +r .1.� -t, 7'�. •,r ;v F '' . . .E . < ' t.i•• ..`'�� ' ' . < .� - �ting=,the;`oue�all; -- - ,�. � ,.,: �. _ a�e::to' �proiiide.�`a"� �: ,'r`: s'i ` - :S�r° ``-: .�� ( ::F:' ' ���i� y� Z j • �/ leti�s'11'l���$t11iY7tC`�p�':;_ "'E-� "c' � �I�SC�`f?�tC6aIII�II'E� � - a � i ��� :i�i .-'%: • �3?:' _. - :. i . �:�2.. _ . . ... .. . ., . . .. . ._ _ .._., ..., ,::_: :: . _. , . _ . . .......... . :. • . . . . . _ . . . . .,:. . .. ., . _ ..::..: _:.. ;.: ,,:.:,.:o inian::::,��:._ ... . : - . . . ; . _- . , . . . . . . . .- _ ........ .. . . .. ... ..... ... .. . „ . . .. , .: .; .,,_. .... .,,.. R.. .. . ..... ` .. ........::.. _ . r. . .,, ._,., „ . : _ _ .. .. . _ . � � , ... . _ ,. - . ...... .... ... ..... ... . ;�,,:: ,."::,::..�... • - � _ � � ._. . . . � ... _ ._ .,.. . ._ _ � � - �• .,..�.� . . :.....: . .. : . .. ....,..,.. . _ �., ., _ . . .. . : .:..� . . . ;; , . : . . In o�raja�n�on;;tha;�co�►soEidafe� fi�iaricial statenn�t�fs �referned io'a�ove: .esent�€air3::., iri�ali rnaie�isl::�::s�=_i:�`:,�:. I=:::� ;:._�: .. . . . . . . . . . . .. . , , . ., . . �r . .. : : . � � . . :res�ts, tF�e eons6fida#e�;fnanc9aF�positiar� ofThe:;Coachefla llaileq�Housir�t�': Coal�fan;=.lnc:;ar�d�° ��::� :. . ..._ ;..�':"�,:: ,. _. � _ _.,_::� '�: ::: �:.� � , aff,��a%s�as'�f�September.3fl; .201?,. and �th� clia - " .. _ nges�iri�ifs�net�a'ss�ts and i�,t-.�s�i:fiows fcrr tF�e � :.. . . .. . .. .., . : _ . . . _ • �. . „•;:::: . � ,,• ,:,: year.ttien er�ded in�aocortiance�with;acco�nting principles generaliy acce}�#ecl �n�ttre.Un�te€f Sfafes,.., .,:`;,�_�; �_°.''_<;::�:�:� .�. . . . � . ...:: of •Ainerica ,. . . .,.. ,. _ . . . _ _ . . . .....:. .::: . . _ , . .. ' Other;MaE�e�s::__� ., '.''..:�. �:: � � • : . , , '_. . . , . . .. .. . .. .. . . . . _ _ _. . . ... . . ., .�;: ,.-.:�. : :. �;:. - _ - - � . . . ... .. . ...,; . . . . : .... . ...:.:.. . ..:...:..� . .. . . , . . _ _ , . . , . � .� �� ��.,... .�t�i�r:�lri�c��ination � � � ... , .. , ::,..,.;�_� :...:.: ..... . :..... . ,.,, , . _ . .. .. ,_ � ..-� � =��.., . � �- :: . �� .�. � � � ..,�,.:�:�::� .::.:�::;�":;::'.,�ur ��[idit::wa�.::condueted„for�lhe_ u. ase���of_fom't�n � ari�`a�� iriion o � �� - . : _R rp.. . . . , . 9 . . .. P. , .. .. n the.cflnso[idated �finariciaE,�,` �.:_ � : �statements;:as,:a�rFivle; �7ie;supp�emet�tary financial,ir�forma�on �on �agas;3��io;5� is�present�c3:..:'.`��, . _. : .. :. .: . . .� . _ •, � ,.far �urpos�s;,of_addi�tarial_-analysis;�rid is,�r�ot:a�requireci:p�rt�o�.tf�e�basi� co�rsolicfated:�naricial ��:��� ._��• �t';.•-,._�:��'�: ,�:: � � � statements ;The accompany�ng sc(�edule of expenditt��es:of�fed�ral a�iraids�_as ;�q�ufred by Titls' : � : 2 U S� �;Cade;;of�F�tiera�,Regulaticans:(CFR). Par# 200.itJnrform Admrnistratiwe Requ►raemeni� Gasfi . _ . . .. . � . , :. : � .;,,:.: Pr�rrelpfes, �nd �tudrt R� urremenfs fcrf Fetlecal Awards,. �s� : re�et�ted :for�pu ._ � �-:. ,�: ``�-: : :4.: .: . ;. •, .. P tposes of;a�lciitional;..::`; •.•� � .; <. , ,arlatj�si��and;is�n�t a req�ir�ed:part-of:ft�e �nsofidate�'#inanalal:�s'�atein�rits . Such �nfiorma�ion ts ... ; . „ . : ' the:respo�tsibil�ty':o�'manag�menf�and,:was �d�rived �fr�m;and:;i�elates: dire�kly, tu �he r�rideriying: �:�:_ .�:;'-; .. �°::=� �. : . ,r�ccoun6lr�g;_ and: •ottieT ..recortls:-�tised �.io • prepare-=�e c�ns�li�ated �rtancial ,;staiements 'fhe . ........ . .. ., . .. . . . .,. . �: . �r�fiormation_:�ias.�beer� sub�e�ted to:fl�e:auciitir�g:pr[iceduresappl�e�;iri;#Iie�audit of;fhe consciidafed . . ,..,-:; � . _. fir�ar�ciai statem�nts;�ar�d certain addrtior�al;procedures;.indudirag-comparing �nd;recon�i�r�g st�ct3 -� .-. • .: . , .. , ._ . .. . :. -..-. .•. . . _, .�::.: : . . mformatron ;_dir�e�ly;,#o�,�fhe<::und�riying ;accv�ntingi.: and� :ather: rscords,-;�se� #o:,,prepare:;;th�::_ ��.;:�, .: _�:=�:,-.,....._, - � consa�idated.:f.rnan�iat statem�n#s or �o.the� cansc�Iidated` �i�aanctai, statemenfs.•�h�mse[wes, ,ar��,;, ,.::::�:. ��� �:;_:�.� :�� � ..;:�: oth�r ac�ibonal._�iroce��ies�_ir+��accortlanc�=;v�ntt�,ai.iditing�stai�dards=gen�ral�� ac�e ed m ihe � � .::,:: . _.. . _. - � :::- ::-, : . . .. , ,. . . .. _ . . . :: Y;:..�� ...; ,I?��...,,:. �..:=�...., .. .,_.. . .. _ _ ., . : �•�•, ., ... ., . .. . .. . . ..... . . : : :.::. . .. .: .. -�::' , ' ;;;; ,;;;;,;,,,;,,;,;;Urnted :�Siat�:of;Ainenr.�:;,;1ii��nc;�apinion►:=tF�e.�nfiorEna�lon,�s,#a�riy:�tated;: jh all :mater�al: res . ..ts; =�:::�.�.� :-:�_ ��;: -::=,::;-. �' m relat�oi��to:.�s con�alidated financiaf stai,�inei�ts•as.a wiiole �: • .... . .. .. .... . .. .... .. . _ . .... :::,:. : , ... ... ....... ...... ... ........ ... . - . ... �::.; :: _,�;•.:..�: � . . : _ . _._. . . . .,.__• .._ :... � �_.: . ,_. .:.• .. ::. ::....... . .. ... . . . . .. ... . . . -- ,. • �: •: �;._::�;,:;:;,:;•._.: .::: : :::::�:=�:_:;::__._:.:,: .. :::.-:..,. . . _.. , .._ . _� _ :._..; . . .. .... _. .. . .. ..... Qther:Repart�n Re ui�d ti GovEmment'Au�itin �$ta da ds�� ._ . 9: .. . ,... . .. ; � _.. ... ..�.._.. . . . .. .,... . . . . .. ... . .. ... .. . . . .<__ � . . . _ . :.. ... ..y � �' _, .... . .. . .. . ... ... .. ..:. ....... _ . . . _ S . ... ....:,•• :. . .:.. ... .... ..,:.. .. ;.,. . .... . . - - . �;_ .��. :: . . ,. „ .. . ,. . : • .� _.� . � .. .: ... ._ �, � �.__-�- . _ � � - ��_ �.�.- ., . - . :.: �. Irt acco:rd��ce rrrith;:Governrrrent'AvtCitirig- Standards,. :we:��ave;�also:�issueti• �iir r��ort, dateri_ _. .... . . . .. :: � �: �.: =:.::.:� ::�.:�:?�:;,�':'Fehn.�ary 7��,2�!'�8�; or��au�_consider^�ation:of The Cbaahella�Vall� ' Haus'irt' ;:Coalitian .Inc:'s iniemal_�:�::::::�::_�.�;���,����:'�:'` .. ,, .. ,; . .. _ ,. .. . . . . . � :: , . . . � . :. : : ............: : : . _ . .. _ . .. . . .;� :; : •c:�n�i�fav�r�irtanc�al ieporting�and:on,aur• tests af.its�campliance,aruitt� certain�provis�ans„o#�lawsr:�: ;_.::._=_:`,::".�;;'::�::; _ .;. . � ,;�; - :� reyulafic�ns; ��ank�a�s, an�. gra�t: agreemerais and.other ��tters :ihe puipQs�;of fhat repgr� �s to.. : . :�� . . . ., • . . . , . � . . , .. . . „ � . .. •�_ - •� ,descnba�:�th�e�scope of our:testing.of intemal��conirol orrer:financial repai�irig and tromp�ian�e ai�ci_:� :;�.••_::��':-'.,_,_``:. .�.; : _�.� - - � � - � • . �:� . ,,. , ,. ih� r$suit� of fha# testing, a�d not to, provide:an.op�nian on intemal coritroF.over tlnanaa��reporti,r�g,:::,:.: ��'. .: � .. . .. ; or ,ort,; cam�l�a�ce 1'ti'at�-:report :is �:ar�;;integra�:part;�of ��ari. �audit : pertormed in accor'cfarice, v�ntl�:��: ,,_:-,�,�.,�= ;_: :.-:�' .� �: Govemrrler�t Aubfiiin Starra'arris in`�consitlenn T�s;�Coachella:.?ifalle Housin Caalition,.lnc's � = �:� � � -. . . - g� - Y � • ,.: �=�;�_� .. . , infemal;can�r�ol.over-�inancial�rep�r�ing,and compiiar€�ce:�:: � � .� �; � .."� .� � � ,. . ..:::..._ ,.. .. . . _.. . _.�..,:. _.._- . � - � � - �..-�.� • ����.._„� . �' "': �te ort on Sumroa�rizecJ,��ompara�i�is:lnformation � �• :. .. P . . _ �� - � , , �� .� .. - = ;.� � ._ ..__ _ .. . ..... . . .... . ..:.< : _,-. . . , �.�:-: �.�.�,.,:.;. �:: . .. �:� ;: �, .;..�,.,�:::���: �:: _. _ : .. ..; - . �,_ . . : � � . : -. . . . . � : . . . .. _ ... ._,. . .. .:. ....::... . . . ...., ... _ . - � . . . ..... . . . ...:.. .. .. .. . . , ... � � ..: .... � . . ...� .:.._ ��_ .��.::.�::. :_:�.. : ;;�: ;;:;.: :;;;` :;��:::;;:;:::V�le.�ave:previausly autlited;'it�e: �vachella=Ualley Hoiisii�g�Coalitiari;;�lr�`c.'s�a�tl.:affilli�tes:2016�' ::�'�=_' :.�`�:'�:'::�:= �: . . .:.:..: .... •;: :: �n�nciai :s#ate�ents;:and we:axpr�ssed�an u�imodifiet�.apinion on tf�ose financial5tafements m , . .: _. .. __. _:,: : , : _ .. . . :. � : � our repor� �3ated;�,Febniary,� 2, ,2017: � in ovr�:opinron; � ttte:;sur�manzed : campa'r'ativ�;, ii�forriiatFoii ��;::,_.:�� ;-:� �;•' � ':�:'::� - . .:� : . .,_. , ; . . . � �� ` : : -, prese�#ed,#�erein as of and for fhe:yearended, September,3�;°.2fl16;+l5 1�t�S�SfBR�; » all`material:�_ �:,;-::�- : ., • _;:-��.=,: „• : � .� . . .. .. . . . . . .;.., . ..., . . . � ._. ,. <;'� , ; , , .. respe�ts, v�nfh the�auttifed,fnanciai�statemenfs��om�u►hidi it lias� i�een derived:::,., . . _ ,.::��. '��_. .._. . . � - � ' _,;.�. ��.=�� � .. . � .._. . . � „ . , � �. .... � - .��:...�� � - . . . - , - . , : � .. , � . - � � , , .. .-. . . „;::. _ , ._ . ._ ..:..:�..:; ;_ ::. _, _ . . - _ � - . . .. . � . • . . :: : : .; : : :� ..:•.. . . . .. -: - .. _. - � � � � •:. ;, .��.- � -. �:•: ::�~ , ;-.: <� Pafrri;Deseit,.Gafifoniia � • • � � �� . . . � � � . • . ,. � � . � '._ „-::'-::�::;�;;�='::=:: - � . . � .... . � � � . . . .. -� ._ . - � :�.,':�Febiva ... 7�������8.::. � - , . .._,. .._ _ . . . . _ _ _. _ _ - ,_, ,... . - _ . , ... . ... ._.. . . . _ . � , ....... ....�.,. .. .,, , .. . �� F< . _ . -' . ' . ' , . , . , • • , " _.. •• - , . . . . ._ � � . ' �. � • . " , , ' - - , . �\ � ,- � FINANClAL STATEMENTS -� ,. �. ExF�ibit A l�..-,�--� THE COACHELLA VALLEY HOUSING C4ALiTiON, ' AND AFFILlATES Consolidated Statement of Financial Position September 30, 20'I7 with comperative totals for the year ended September 30, 2016 ASSETS CURRENT ASSETS Cash Grants Receivable (IVote �) Deve�oper Fees Receivable (Note E) Other Receivab[es (R1ote � Real Property Neid for Resale (Note G) Prepaids Depasits �- TOTAL CURRENT ASSETS Restricted Cash (Note C) Notes Receivable (Note I} Construction in Progress (Note H) {n�estments In Affiliates (Nofe FQ Loans Recei�ab[e-Long Term (Note J} Property, Plant, and Equ9pment - NEt (Note L} $ 16,056,868 6,044,336 1,273,761 2,433,916 11, 955,684 259,627 741,569 38,805,761 14, 340,925 4, 297,486 3,T93,564 4, 947,337 33,622,721 36,'I 13,543 2017 2036 $ i5,553,289 5,089,118 1,610,155 2,125, 764 i 3,784,912 256,948 685,485 39,105,672 7 3,9$7, 756 3,650,687 3,025,036 4,950,039 34,131,327 34,1T1,025 TOTAL NpN-CURREN7 ASSETS �;3 � TOTAL ASSETS ,` UABlL1T1ES AND NET ASSETS CURREN7 LIABILITIES Accounts Payable Accrued Liabilities Current Portion Long-Term Debt (Note N) Deposits Payable Other Liabitities (Note M) Loans Payable �eferred Revenue TOTAL CURRENT L1AB[LITIES NON-CURF2EN7 L1AB[LIT[ES Long Tertn Debt-Net of Unamortized Deht Essuance Cosfs of $46,209 (Note N} peferred Revenue-Long Term (Note O) 70TAL NON-CURF2ENT LIABILITIES TOTA� LIABILITIES NET ASSETS Unrestricted Temporarity restrieted (Rfote P) PermanentEy restricted (Note Q) TOTAI NET ASSETS TOTAI LIABILITIES ANp NET ASSETS � i, 97,115,576 93,915,8$0 S '135,929,337 $ 133.02'E,552 $ �s�,sss 459,277 3,627,151 640, 334 2, 410,520 'i 67,800 249,820 8,050,558 $ 3B5,755 420,650 1,152,159 606,34$ 2,930,916 210, 768 41,662,351 4,542,099 46,224,450 54,275,Od8 72, 227,043 8,522,78Q 896,504 81,646,329 $ 135,92�,337 �See accompanying notes to consolidated financial statements. 4 5,706, 586 42, 619,981 5,037,361 47,657,342 53,363,938 70,774,977 7,601,9�7 �,280,720 79,657,614 $ 433,021,552 Exi�ibit B • 7HE COACHELLA VALLEY HOUSING COALITION ,�� AND AFFILIATES ' � Consolidated Statement of Acti�ities Year Ended September 30,, 20�7 with corriparati�e totals for the year ended September 30, 2016 UNRESTRICTED NET ASSEfS Sopport Rental Income Commercial In�me Interest ln�ome Grants & Contracts Developer Fees Revenue Mulli-Family Project In�me Self-Nelp ProjeG {ncome Other Revenue Tofal Revenue Net Assets released Trom restricYion Restriction Satisfied by Provision of ServirEs - Grants (Note P) Restriction Satisfied by Pro�ision of Sertices - Capifal Grants (Note Q) Tofal UnrestricEed Revenue and Net Assets Refeased from Resfidions Expenses Personnel ConUactual Suppfies 7ravel Communirations Maintenance and Operating Space Costs Other Costs Interest Escpense Multi-Fami�y Projects Self Help Projects Capital Improvements Non�apitalized Depreciation Total Expenses EXCESS (DEFIC1Tj OF REVENUES OVER EXPENSES OTHER CHANGES Gai� an forgiveness of debl Loss an prior year gains 1NCRFASE (DECREASE) IN UNRESTRICTED NET ASSETS TEMPORARILY RESTRICTED NET ASSETS Federal, S1ate, and �ocal Grants Net assets released - Disencumbered - Grants Net assets released - Eamed Grants (Note P) [NCREASE (DECREASE) IN TEMPORAR]LY RESTR�CTED NETASS�TS PERMANENTLY RESTRICTED NET ASSEfS Cantributions Released from restrictions WCREASE (DECREAS� IN PERMANEN7LY RESTRICTED NEf ASSETS 1NCREASE IN NE7 ASSETS NEf ASSETS AT BEGINNWG OF YEAR Equity transfers {Note R) NET ASSETS AT END OF YFAR • See accompanying notes to consolidated financial statements. 2016 zoi7 $ 8,599,854 236,551 139,915 432,580 577,831 324,624 583,031 308;774 9 9,195,160 3 8,8i0,624 251,022 1d9,794 ' 2, t 16,844 1,037,910 283,7fi0 B07,fi39 108,465 13,525,458 1,329,Q57 3,042,182 384,296 657,905 15,231,231 7 4,945,247 5,003,146 1,615,007 144,864 '� 02,372 99,589 1,537,337 1,S5fi,130 9,030,277 642,755 1 fi6,596 1,075,8U8 597,B77 2:2'! 9,045 15,79D,803 (559,572) 4,990,375 1,592,051 9 fi5,834 76,728 113,5B7 1,474,i00 1,460,749 1,U 94,287 ss�,ss � 608,733 1,13D,072 576,955 2,042,076 15,993,197 (1,047,950) - 30,147,938 (1,866} - (561,438) 29,099,988 5,93 9 ,188 199,492 (3,ss7,aao) (1.327,0571 (3.992,182� 922,737 (2,892,690) � a � 250,pD0 (657,905) (407,805) 25,799,393 53,858,22 i $ 79,857,614 _ti �� (384,21fi) (384,216) (22,923) 79,657,614 2,0� �,638 $ 8i,846,329 � Exhibit C �,--, THE COACHELLA VALLEY HOUSING COALITION �ti, . AND AFFILIATES Consolidated Statement of Cash Ffows Year Ended Se}�tember 30, 2017 with com�arati�e totals for tt�e year endec� SeptemE�er 30, 2016 ; -.� �1. �-> - �t ' �.. CASH FLOWS FROM OPERATING ACTMTIES Increase in nei assets Adjustments to reconci[e increase in net assets to net rash pro�ided 6y operating activities Depreciation Expense Amortization of prepaid interesE Gain on forgiveness of de6E Bad de6t expense (INCRFASE) DECREASE IN OPERATING ASSETS Grant & cantract receivables Developer fees recei�a6Ee OEher receiva6Ees Land held for resale Prepa9d expenditures Deposits Long-term notes recei�a6Ees INCRFASE (DECREASE) fN OPERATtNG L1ABILITlES Accounts paya6le Accrued expenditures Security deposit paya6le Other iia6ilifies Loans paya6Ee Deferred Revenue NET CASH PROVIbEb BY OP�RATING ACTMTIES CASH FLOWS FROM INVESTING ACTMTIES Transfers from restricted reserve Transfers lo restricted reserve Proceeds and payments to Tax & insurance Reserve ProceedslTransfers tv Operating Reserve Investment in affiliates Capital Improvements Long term notes receiva6le Purchase of hxed assets NE� CASH (USEb) BY INVES�ING ACTM�IES CASH FLOWS FROM FINANCENG ACTMTIES Principal payments oi mvrtqage Eamed interest reserve Proceeds from long-term de6t Payments.of long term de6t Deferred Iong-term notes Equity Transfer NET CASH PROVIDED (US�D) BY FINANCING ACTIVITIES NET INCREASE (DECREAS�) IN CASH R CASH EQUNALEN�S BEGINNING BALANCE OF CASH & CASH EQUIVALENTS ENDING BALANCE CASH 8� CASH EQUNAL�NTS 2Q17 $ (22,923) 2,219,045 3,745 (955,218) 336,394 (257,183) 1,789.228 (12,100} (56,064) (646,789) 406,523 43,057 28,784 (862,995) 167,800 44,254 2,225,538 (723,fi85) 413,401 (26,431) 2,7Q2 {768,528) 508,606 (4,163,798) (4,757,733) (86�,742) (15,85i) 3,596,991 (1,200,000) (495,262) 2,Oi 1,638 3, 035, 774 503,579 15,553,289 $ ifi,05fi,868 See accompanying notes to consolidated financial statements. 2Q1fi $ 25,799,393 2,Q42,07fi (30,147,93B) ($'f ,345} 2,552,6Q7 63,543 77i,365 1,51i,359 (34,585} �(10,663) 431,494 �3n,sso� 59 (552) (157,215) 'f25,379 2,287,357 {3,'[ 23,316) 678,654 39,487 (1, 723) '1,575 65,a62 (301,468) { � �, B85) (2,657, 69 4) (954,631) (10,373) 285,816 65,939 (613,249) (983,506) i 6,536, 795 $ 15,553,289 [� i �"� _� N4TES T4 FINANC2AL STATEMENTS � � ' r� =`. THE COACHELLA VALLEY HOUSENG COALIT�ON :(R, AND A��ILIATES �y , ��� . - T Notes to Consolidated Financial Statements September 30, 2017 NOTE A. NATURE OF ACT�VITIES The Coachella Vafley Housing Coalition {the Coalition} is a non-profrt corporation supported hy federal, state, county, and local grants, and re�enues from operations. The mission of the Coalition is to improrre the li�ing conditFons of low�income indi�iduals and famifies by constructing and operating affordable housing infused with communify services programs and other opportunities that enrich, buifd, and grow their lirres. Currentfy, the Coafition owns and operates six multi-family housing projects, one single room occupancy project, one ofFice��building, a mobile home park, and twenty- nine rental houses. in addition, the Coalition has an ownecship interest in twenfy-three California Limited Partnerships and one California L[mited Liabifity Corporation that own and operate low income tax credit housing projects. The board of direcfors go�erns aIl of the operations and programs of The Coachel[a Valley Housing Coaiition. NOTE B. SUMMARY OF SIGN[FfCANT ACCOUNTING POLICIES 1. Basis of Accoun�ina �:�' , The consofidated f nancial statements of the Coalition ha�e been prepared on the _ accrual basis of accounting and accordingly reflect all significant recei�ables, payables, and other Iiabilities. 2. Basis of Presentation The Coalition is required to report information regarding its financial position and acti�ities according to three classes of net assets; unrestricted net assets, temporarily restricted net assets, and permanently restricted net assets. 3. Comhined and Consolidated �inancial Statements, The conso[idated financial statements include the accounts of The Coachelfa Valley Housing Coa�ition and its affiliates. All significant intra-organization transac�ions and accounts are eliminated. 4. Contr�butions Contributions from granting agencies recei�ed are recorded as unrestricted, temporarily restricted, or permanently restricted support, depending on ' the � existence or nature of any grantor restrictions. Contributions that are restricted by the grantor are reported as increases in unrestricted net assets if the restrictions expire (that is, when a stipulated time restriction ends or purpose restriction is accomplished) in the reporting period in which the contribution is recognized. All other grantor-restricted contributions are reported as increases in temporarily or permanently restricted net assets, depending on the nature of the restriction. �_�� �,, When a restriction expires, temporarily restricted net assets are reclassified to '� ' unrestricted net assets and reported in the statement of acti�ities as net assets released from restrictions. � THE COACHELLA VALLEY HOUSING COALET[ON AND AFFILIATES Notes to Consolidated Financiaf Statements Septem�er 3D, 2017 NOTE B. SUMMARY OF SIGNIFICANT ACCOUNTENG POLICIES (CONTINUED� 5. Estimates Management uses estimates and assumptions in preparing financial statements. Ti�ose estimates and assumptions affect the reporked amounts of assets and liabilities, and the reported revenue and�expenses. Actual resuits could differ from ti�ose estimates_ • 6. Casi� and Casi� Eaui�alents For purposes of ti�e Statement of Cash Flow, the Coalition consider�s unrestricted highly liquid in�estments to be cash equivalents. 7. Propertv. Plant, and Equipment Property and equipment are stated at cost. The Coalition capitalizes all expenditures of property and equipment in excess of $1,OOD. Donated assets are recorded at their estimated fair market �alues at the date of donation. Depreciation of buildings and ec3uipment is pro�ided over the estimated useful lives of the respecti�e assets on a straight-line basis. Property acquired with federa[ grant supported funds is consid'ered to be owned by the Coalition wi�ife used in the programs for which it was purchased or in other authorized� programs. However, the federal go�ernment has a reversionary interest in the property equa[ to the federaf share of the grant to which acquisition cost of the property was charged. Property acquired with state contracts not fuliy consumed in the performance of the contract shaii be the property of the state. 8. Vacation Pa� The Coalition permits its employees to accumulate �acation time and to redeem suci� unused leave in cash upon termination of emp�oyment. The estimated amount of unpaid �acation pay at September 30, 2017 is $157,362. 9. Re�enue RecoQnition lt is the policy of the Coalition to recognize revenues from federal, state, and county grants and contracts to the extent of expenditures incurred not to exceed grant or contract awards. When the grants or contract's budget periods do not coincide with the Coalition's reporting period, re�enues are recognized on a pro-rata basis. The de�e[oper fee re�enues on multi-family prolects are recorded based on percentage-of-completion method and an adjustment is made to the actual amount earned based on the final cost certification report. �'��, � ,�� � ' � ; ; �,, � .� THE COACH�LIA VALLEY HOUSING COALITION �,. -�`; AND AFFILIAT�S . , � Notes to Consolidated Financial Statements September 30, 2017 NOTE B. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES �CONTINUED), 10. Income Taxes The Coalition is exempt from federaE income taxes under Section 501(c)(3) of the Internal Re�enue Code and application state law. The accounting standard on accounting for �ncertainty in income taxes addresses the determination of whether tax benefits claimed or expected to be cfaimed .on a tax ret�rn should be recorded in the financial staternents. Under the guidance, the Coa[ition may recognize the tax benefit from an �ncertain tax posifion only if it is more Eikely than not thaf the tax position will be sustained on examination by taxing authorities based on the technical merits of the position. Examples of tax positions include the tax-exempt status of fhe Coaf�tion and �arious positions related to the potential sources of unrelated business taxable income (UB[T}. The tax benefits recognized in the financEa[ statements from such a position are measured based - on the kargest benefit that has a greater than 50% likeiihood of being realized upon ultimate set�lement. There were no unrecognized tax benefits identifted or ��� recorded as liabilities for fscal year 20� 7. The Coalition f[les it's Form 990 in fhe U_S. federal jurisdiction and fhe office of the state's atiorney general for the State of California. The Coalifion is generally no lo�ger subject to examination by the lnternal Re�enue Service for years before 2014. 1 �. Fair Vaf�e of Financial lnstruments, The fol[owing methods and assumpt�ons were used by the CoaEition in estimating the fair �alues of its financial instrume�ts: Cash and cash equivalents: The carrying arr�o�nt reported in the statement of frnancial position, are based on quoted market prices, if a�ai[abEe, or estimated using quoted market prices for similar securities. Grants, developer fees, and other receiva6les: The net rea�izable �alue carried in the statement of financial position approximates its fair �afue. Rea! property held for resale: Quoted prices in acti�e markets for ident�cal assets. Mortgage Ioans and notes receivable: The net realizable �alue carried in the statement of financial position approximates its fair �af�e. �� � , 10 THE COACHELLA VALLEY HOUSING COALITION AND AFFILiATES Notes to Consofidated Financial Statements September 30, 2017 NOTE B. SUMMARY OF SIGNIFECANTACCOUNTING POLICIES lCONTINUEDI 12. Fair Value of Financial [nstruments (Continued) , Accounts payable and accrued expenses: The carrying amount reported in the staternent of financial position for accounts payab[e and accrued expenses approximates its fair �alue. Long-term debf. The fair �alue of the Coalition's long-term debi approximates the exit cost. NOTE C. RESTRfCTED CASH The bafance in this account consists of ihe following: The Coalition is required to maintain cash reserves for USDA sponsored multi-family projects. The reseryes may only be used for capital repairs and improvements, anii require USDA appro�al prior io disbursernent. The Coalit�on is required to maintain cash reserves for debt service, capital repairs and impro�ements for three iow-income multi-family housing projects owned by CVHC locaied in the Cities of Temecula, Mecca, and Blythe, Ca[ifornia. The Coaiition is required to maintain joini restricfed certificate of deposit accounis to guarantee compleiion of single family and multi-family housing projects. The Coalition has internally restricted cash for future operating expenses associated with eight tax credit rnulti-famiiy housing projects and forty single family fease to own homes. The Coalition maintains separate cash accounts for the singfe family rental [ease to own program_ The Coalition maintains separate cash accounis for USDA loans used to fund single family mutual self-help projects. Tt�e Coalition maintains separate cast� accounts for loans used to fund single family and mu[ti-farnily housing projects. The Coalition has internally restricted cash for funds designated for scholarships to eligibie participants. Total Restricted Cash ;' ` _� $2,319,548 � ' � 'E�,357,672 25,006 3,806,369 'E 24,233 796,524 5,837,463 74.190 � �� $ 14.:�40.9�,� � � 11 �y -.. f THE COACH�LLA VALLEY I�OUSING COALITION AND AFFILIATES Notes to Consolidated Financia( Statements September 30, 20�7 NOTE D. GRANTS AND CONTRACTS RECE[VABLE The grants and confracfs receivable balance of $6,044,336 is cornprised of the fa�lowing: USDA-RD Technica! Assistance � LISC County of Ri�e�side — Tierra Bonifa II Mutuaf Self-Help County of Ri�erside — DPSS Total Grants and Contracts Recei�abfe NOTE E. DE1fELQP�R FEES RECEIVABLE $ 5,130;195 29,372 884,629 140 . � �: . The CoaEition has devefoper fee recei�ables from nine projecfs, fh�ee of which are in predeveiopmenf, fi�e compfeted Qrojects, and ane project under de�elopmenf. The baEance of $'E,273,761 is camprised of the following: �; ', Fred Young Phase II Associates, L.P. — Vi[Ia Hermosa Apartments II �° CoacheUa Rehab Associates, L.P. -- Coachella Community Homes Puebla Nuevo Housing Associates, L.P. — Pueblo Nuevo Apar�ments Peeris Family Apartments, L.P. — Perris Family Apartments US VETS March Veterans Ullage Apartments Paseo de los Heroes III Apartments Fred Young Phase III —1/��fla Hermosa Apartments Phase 1[f - Washington Street Apartmenfs Tota[ De�efoper Fees Recei�able NOTE F. QTHER RECEIVABLES $ 309,696 92,216 47,463 126,919 262�500 194,967 60,000 180.000 0 Ofher recei�ables consist primarily of reimbursabfe costs paid by the Coalition on behalf of single family and mu{ti-farnily projects. ln addition, the Coa[ition has partnership management fee and ground lease recei�ables from various mu[ti-family tax credit projects. The balance of $2,433,916 is comprised of the following: r; - Self-Helo Proiects Tierra Bonita — Mutual Seff Help CoacheAa 70 Tierra Bonita -- Mutual Self HeEp Coachelia 71 TieRa Bonita -- Mutual Self Heip Coachella 72 TieRa Bonita — Mufual Self Help Coachella 73 Tierra Bon�ta— Mutua[ Self Help Coache[la 74 Tierra Bonifa — Mutual Self Help Coachella 75 T�erra Bonita — Mutual Self Help Coachella 76 Deser� Hot Springs — Mutual Self DHS 12 Deser� Hot Springs — Mutual Self DHS 13 $ 3,000 33, 500 144,500 'E 05,500 20,000 89,000 101,000 35,000 22, 805 12 THE COACHELLA VALLEY HOUSING COALITION AND AFF�LIATES � Notes to Conso[idated Financial Statements September 30, 2017 NOTE F. OTFiER RECElVABLES (CONTINUED) Morningside-- Imperiaf 1 Morningside— Imperiaf 2 Morningside — lmperial 3 . Morningside — fmperial 4 North Shore 7— Mutua� Self Hefp North Shore 8— Mutual Self Help Total Self Hefp Projects Receivable Partnershin Manaaement Fees Coyote R�n U Apartments Oscar Vil�a Romero Apartments Geel PEace Apartmenfs Arroyo de Paz I Apartments Casitas def Valle Apartment Arroyo de Paz II Apartments Wolff Waters Apartments Paseo de los Heroes II Apartmenfs Brisas de Paz Apartments VilEa Hermosa Apartments Coachella Rehab Associates Pueblo N�evo Housing Associates Perris Fami�y Apartments Associates Total Partnership Management Fees Receivable Manaaement Oversiaht Fees Fred Young Labor Center Apartments E� Solano Apartments Las Mananitas I and [[ Pie De La Cuesta Apartments Total Management Oversight Fees Receivable Multi-Familv Proiects-Advances Coachella Rehab Associates, L.P Perris Family Apartments, L.P. March Veterans Vllage, L.P. 57, 5DD 17,063 93,968 79,582 107,322 � � 8.896 1,D2$,636 $ 4fi,fi'E 8 33,000 23,100 1 D7, 500 1 D7,500 76,362 19,25� 'E7,000 71,25D 35,fi08 32,000 44, 000 �43.750 656,939 $ �47,500 88,300 106,520 7.500 249, $2D — Coachella Communify Homes 9 04,179 4,680 209.965 Total Multifamiiy Projects-Advances 310, 824 T -� '� � . -�� � 93 � __ ,� ; THE COACHELIA VALLEY HOUSING COAi.1TION AND AFF1LlATES Notes to Cor�solidated Financiaf Statements September 30, 201 T ��� '. � , NOTE F OTHER RECEIVABLES (CONTINUED) Multifamilv De�elooment — USDA - RD Las Casas I Apartments Las Casas 11 Apartments Pie de la Cuesta Apa�tments Desert Gardens Apariments Fred Young Labor Center Total Multifamify De�elopmenf Recei�ab{e Other Multifamilv De�elovments Rancho West� Apartments Paseo de los Heroes �� Solano Apartmer�ts 4,224 4,111 18,105 24, 876 21.094 72,410 9'E fi 4, 831 22. d96 27,843 �-�� -. Total Other Multifamily Deve[opment Recei�able Tax Creclit Develooments Coachella Casas ]11 Associates Mecca Housing Associates Miles Avenue Housing Associates Coyote Springs Housir�g Associates Paseo de los Poetas Associates Tfaquepaque Apartments, LLC Cathedral Housing Associates Las Palmeras Housing Associates Mecca Famify Housing Associates Harriso� Street Hous�ng Associates Tota1 Tax Credit De�elopment Recei�able Misce�laneous Recei�ables Other Recei�ables — EmpEoyee benefits Other Receivables — Facilities reimbursement Other Receivables -- Miscellaneous Total Miscellaneous Re�eivables Total Other Recei�ables 1,148 5,162 1,494 12,887 3,107 2,884 6,965 984 8,944 3.809 47, 384 1,142 8,539 30.379 40.060 $ 2.4;i3.99F� 'E 4 THE COACHELLA VALLEY HOUSING COALITION AND AFFILIATES Notes to Consolidated �inancial Statements September 30, 2097 NOTE G. REAL PROPERTY HELD FOR RESALE Land acquired for resale is recorded at the [ower of cost orfair value. As of September 30, 2017, The CoacheAa Va[Eey Hausing Coalition has eight proper�ies that a�e expected to be used in the construction and development of single famiiy homes. The Coalition purchased fo�ty-fo�r sing[e family houses and has sold fifteen to eligible families. There is fwenty-nine remaining houses in the lease to own program. Costs associated with deveiopment of �nimproved land are capitalized. The $91,995',684 balance of this account is comprised of the following properties: Nuestro Qrgu[lo — Land Nuestro �rgu[io Subdivision - Land ]mprovements Don English Way — Land Don Engiish Way — Land Improvements Saltan City — Land Saiton Ci�jr -- Land Improvements Thermal Villages — Land Therma� Villages — Land Impro�ements Morningside — Land Morningside — Land ]mpro�ements Deser� Hot Springs 93 -- Land Deser� Hot Springs 93 — Land Impro►rements North Shore 7 and 8-- Land North Shore 7 and 8— Land ]mpro�ements Imperial Land — Ma�eld Various Cities -- Lease to Own Program _� $ 2,239,846 74�,836 676,020 203,54� 512,407 93,510 1,201,389 128,919 9,209 ,475 75,436 , 'i'85,407 69,099 123,797 134, 890 7, 823 4.405.286 Total Real Prope�ty Held for Resale � 1 �.995_�84 NOTE H. CQNSTRUCTION IN PROGRESS As of September 30, 2097, the Coalitian is developing seven multi-famify projects. The costs associated with land acc{uisitian and' de�elopment of these projects are capitalized_ The $3,793,564 balance of this acco�nt consists of the following: Paseo de los Heroes III -- Land Paseo de ios Heroes fE[ -- CIP Fred Young �abor Phase II — CIP Washington Street Apar�ments Thermal Village— CIP Thermal V[lage� Corrirriercial �red Young Labor Phase 111-- CfP Middleton Rd. Oasis — C1P App�e Va!]ey � CI P Total Constructian in Progress 350,467 9 , 509,204 1,599,786 121,719 150,859 33, 909 'I2,481 57,$74 37.265 $ 3.793_S64 i _� ,'�� .� , -�. 15 THE GOACHELLA VALLEY HOUSkNG COALITION � � AND AFF�LIATES Notes to Consolidated Financial 5tatements 5eptember 30, 2017 NOTE I. NOTES RECEIVABLE The balance in this account consists of the fo�lowing: 5ecured notes and unsecured notes for 5ummer Breeze Project. Mortgage ioans for low-income families that purchased homes at the Summer Breeze Project. The loans were made to assist families with the down payment and closing costs. The notes are secured by a deed of trust and are due 30 years from the closing date. $ 96,470 5ecured CVHC notes for .Cathedra[ City Self Heip 1V � V Projects, Mortgage loans for low-income families that purchased homes using the self help method in Gathedral City. The foans were made to assist families with the down payment and closing costs. The notes are sec�red by a deed of trust and are due 15 years from the cfosing date. 60,500 Sec�red 00-CaE-Home-057 notes for Vecino, Nor�h Shore, f; �, Mexicas, CoachelEa and DHS Self-Help Projects. Mortgage �� loans for [ow-income families that purchased homes using the self-heip method at the aforementioned projects. The loans were made t� assist families with the down payment and closing costs. The notes carry an �nterest rate of 3% per annum, secured� by a deed of trust and are due 30 to 38 years from closing date. 389,565 Secured 03-Cal-Home-039 notes for QHS, Coache[la, Mecca, Briarbrook, and Brawley Self-Help Projecks and Mortgage Eoans for {ow-income families that purchased t�omes using the self- help method at the aforementioned pro}ects. The foans were made to assist families with tt�e dovm payment and c[osing costs. The notes carry an interest rate of 3% per annum, are secured by a deed of trust and are due 3d to 38 years from closing date. 374,423 Secured CVHC notes for Self He1p Veeino Project. Mortgage loans for low-income families that purct�ased t�omes using tt�e self help metl�od at the Vecino f Project. Tt�e [oans were made to assist families witt� the down payment and closing costs. Tt�e notes are secured by a deed of trust and are forgi�en at a rate of one ffth of tt�e loan amount ai�er year ten. 29,110 r�-. 9S THE COACHEL�A VALLEY HOUSfNG COALIT[ON AND AFFILIATES Notes to Consolidated Financia! Statements September 3D, 2D17 NOTE [. NOTES RECEIVABLE (CONTINUED) Secured CVHC notes for Briarbrook Self Help Project. Mortgage Ioans for low-income families that purchased homes at the Briarbroolc Project. The foans were made to assist farnilies with the down payment and closing costs. The notes are secured by a deed of trust and are forgiven at a rate of one ffth of the loan amount after year ten. Secured 06--Cal-Home-2'f 2 notes for Coachella, and fVlecca Self Help Pro�ects. Mortgage � loans for low-income families that purchased hornes at CoachelEa project. The loans were made to assist famifies with down payment and closing costs. The notes carry an interest rate of 3% per annum, are secured by a deed of trust and are due 33 to 38 years frorn the closing date. Secured DACE notes for Mexicas Self Help Project. Mortgage loans for low-income families that purchase homes at the Mexicas Project. The loans were made to assist famifies with the down payment and closing costs. The notes are secured by a deed of trust and are forgEven at a rate of one fifth the loan amount after year ten. . Secured D4Cal-Home-077 notes for Coachella, Huerta, de Mecca and DHS. Mortgage loans for low-income families that purchased homes using the self-help method at the aforementioned prvjects. The loans were made to assist farnilies with the down payment and closing costs. The notes carry an interest rate of 3% per annum, are secured by deed of trust and are due 33 to 38 years from c[osing date. Secured D5-Ca[-Home-149 notes for Huer�a de Mecca. Mortgage loans for �ow-income families that purchased homes using the se[f-help method. The loans were made to assist families with down payment and closing costs. The notes carry an interest rate of 3% per annum, are secured by deed of trust and are due 33 to 38 years from closing date. Secured notes for low income fami�ies that purchased homes using the self-help method. Loans were made from the Ca]- Home reuse account. The notes carry an interest rate of 3% per annum, are secured by deed of trust and are due 33 to 38 years from closing date. 141,000 578,9DD 38,400 360,990 438,407 140,866 �`�, � r��. r � - -.. , �� �7 t:. '� _ � THE COACHELLA VALLEY HOUSING COALiTION AND AFFERIATES Notes fo Consofidated Financiai Stafemenfs September 30, 2017 NOTE I. NOTES RECEIVABLE (CONTINUED� Secured 10-Ca]-Hom�6627 notes for Los Jardines, Belfisima, Tierra Bonita, and Momingside subdi�ision's. Mortgage foans for Iaw incame families that purchased homes using the seEf- help method. The loans were made to assist families with down payment and closing costs. The notes are secured by a deed of trust and it carries a simp[e interest rate of 3 percent per annum on the unpaid principal balance, and are due 33 to 38 years from closing date. Secured 11-Cal-Home-8077 notes for Sunset S�rings subdivis�on. Mortgage loans far low-incame families using the self-help method. The loans were made to assist families with down payment and closing costs. The notes are secured by a deed of trust and carry a simpie interest rate of 3% per annum on the unpaid �rirtciple balance. Notes are due 33 to 38 years from closing date. C:" �� 5ecured CVHC notes for families participating in fhe Mutuaf Self Help Tierra Banita I S�bdirrisian. The laans were made to assist famifies with unforeseen construction cost o�erruns associated with the completion of their house. Tne notes are secured by a deed of trust, carry a simple interest rate of 1% annum on the unpaid principal balance, and are due 33 to 38 years from ciosing date. Totaf Nofes Receivable NOTE J. �OANS RECEIVABLE — LONG TERM The Coaiition has four long term note and se�en de�elopment fee receivables as of September 30, 2017: Note recei�able from La Quinta Housing Associates LP for construction costs associated witf� the de�elopment of Woiff Waters Place apartments. Principai payments are ta be made from residual receipts, witn tt�e final payment due on December 31, 2065. �- • ,� Note receivable from Desert Highlands Associates, LP for acquisition costs reEated to tne ��rchase of a parcel of land Eocated in Palm Springs, CA. Land was used to de�elop a 57 unit multi-family hausing development known as Rosa Gardens Apartments. �aan will be paid from annual residua[ receipts of the Apartments. Tne loan bears simpfe interest at the rate of �.75% per annum. 792,700 133,900 722.255 • -:. $29,717,835 $14,578 18 THE COACHELLA VALLEY HOUS�NG COALITION AND AFFILIATES Notes to Consolidated Financial Sfatements September 30, 209 7 NOTE J. LOANS RECEIVABLE -- LONG TERM (CONTINUED) Note recei�able from Brisas c!e Paz Associates, L.P. for construction costs associated with the deveEopment of Brisas de Paz apartments. Principal payments afe to be made from residual receipts, and the outstanding principal balance is due December 31, 2068. Note recei�ab[e from Pueblo Nuevo Hoc�sing Associates for the acquisition of�Pueb{o Nue�o Apartments dated April 1, 2013. Principal payments are to be made from residual receipts, with the outstandi�g principal bafance clue December 31, 2069. Deferred cleveloper fees receivable from Arroyo Housing Associates, L.P. for fees associatec! with the de�elopment of Arroyo de Paz Apartments. Principa] balance is to be paid from ann�al residual receipts of the apartments. �eferred de�eloper fees recei�able from Casitas def Valie Housing Associates, L.P. for fees associated with the de�elopment of Casitas del Val[e Apartments. Principal balance is to be paid from annual residual receipts of the apartments. Deferred developer fees recei�able. from Paseo Housing Associates, L.P. for fees associated with the de�elopment of Paseo de los Hereos II Apartments. Principal balance is to be paid from annua� residua[ receipts of the apartments. Deferred cleveloper fees recei�able from Desert Highlands Associates, L.P. for fees associated with the de�e{opme�t of Rosa Garclens Apartments. Principal bafance is to be paid from ann�al residua� receipts of the apartments. �eferred developer fees receivable from Brisas c!e Paz Associates, L.P: for fees associated with the development of Brisas de Paz Apartments. Principal balance is to,be paic! from annual receipts of the apartments. . Deferred de�eloper fees receivable from Fred Young Phase f Associates, L.P, for fees associated with the de�elopment of Vi[la Hermosa [ Apartments. Principal balance is to be paid from annual receipts of the apartments. ,� �� , � 1,700, 000 362,940 122,608 � �_� � 165,209 122,644 9 23,804 91,539 9 03,949 .-- ; 19 � � �, THE COACHELIA VALLEY HOUSING COALlT{ON AND A��ILIATES Notes to Co�solidated Financial Statements September 30, 2017 NOTE J. LOANS RECEIVABLE — LONG TERM (CONTINUEDI Deferred de�eloper fees recei�able from Perris �amily Apartments, L.P. for fees associated with Perris Famify Apartments. Principal balance is to be paid from annual residual receipts af the apartments. Tatal Long Terrn Notes recei�able NOTE K.lNVESTMENTS 297.623 � ln�estments in Affiliates �; �, , _ _� In connectian with the Coakition's de�eEopment and management af low income housing tax credit projects, the Coaf�tion has twenty-four separate affiliated entities. The purpose of these enti�ies is to serve as the general partners in the limited partnerships and limited iiabilify companies the Coafition has formed rrv�th other pri�ate in�estors. These affifiates are required ta make an initial capital contribution.and to ha�e sufficient assets to meet the net worth requirements for carporations acting as the general partner in the limited partnerships. The tota! amount in�ested in these parinerships by the Coalition and it's afFliates as of September 30, 20�7 was $4,947,337. NOTE L. PROPERTY AND EQUIPMENT, The follov►�ng is a summary of praperty and eq�ipment at cost less accumuEated depreciation: �y , i �,. Land Buildings, impro�ements and fxtures Fumiture and equ�pment Tools and construction equipment Capitalized cost Less: Accumulated Depreciation Total Property and Equipment NOTE M, OTHER LIABILITIES The balance in this accaunt consists of the following: Accrued Construction Liabiiify Self-Help Groups Other Tota� Other Liabilities $ 5,847,539 76,706,220 2,207,652 12,138 993,840 85,767,389 i49.653.846) �,3fi.'[ 13_543 $ 9,187,791 796, 524 126.205 � ?, 9 � 0,�2D 20 THE COACHELLA VALLEY HOUSENG COALITION AND AFFlLIATES Notes fo Conso[idated Financiaf Statements September 30, 2017 NOTE N. LONG-TERM DEB7 Long-term debt� at September 30, 2017 is�summarized as fo�lows: Loan Payabfe to State of California Department of Housing and Community De�elopment dated May 17, 2006. �unds are to be used fo faci[itate the de�elopment of Self-Help housing in the City of Mecca Ca. Loan bears no interest and is due on December 30, 2017. Loan Payable to Rabobank dafed No�ember 28, 2012. Funds are to be used to fund affordable housing development acfi�ities. Loan bears interest at 3.5%, requires q�arterly payments of accrued interest, and is due No�ember 28, 2017. Loan Payable to State of California Department of Housing and Community De�elopment dated December 5, 2007. �unds are to be used to facilitate the de�elopment of Self-Help housing in Salton City, Ca, and con�erts to indi�idual subsidies for participating ]ow-income families upon� occupation of completed homes. Note Payable to BBVA ComAass Bank dated May 23, 2008. Note requires semi-annual interest payments on the outstanding balance, bears interest at 2%, and is due on May 23, 2018. � Loan payable to The Congregation of the Sisters of Charity of the Encarnate Word dated August 23, 2017. Funds are to be used to facilitate the construction of singie family housing. Loan bears interest at 1% and is due August 23, 2020. Loan payable to County of Riverside Housing Opportuni�ies for Persons With Aids for the purchase of land in Cathedra) City, where The Coachella Va[ley Housing Coalition constructed 38 units of permanent low income housing. This loan bears no interes�. Loan is secured by deed of trust on land. Loan is due on August 9, 2038. Loan Payable to U.S. Bank Nationa! Association dated ,�uly 9, 2013. Funds are earmarked for the de�elopment of low-income single and multi-famiiy de�elopment. Loan bears a simple interest rate of 3%, and the outstanding loan balance plus accrued interest is due on July 8, 2018. .�� ��� 3, 500, 000 �:1 111' 900,000 t�� ��� 282,250 9 ,000, 000 .-`� , � � : -. ', �� ,` . -� ;' , 2� l-�,�� - , �� , THE COACHELLA VALLEY HOUSING COAL1T10N AND AFFILIATES Notes to Consolidated Financial S#atements 5eptember 30, 20?7 N4TE N LONG-TERM nEBT fCONTINUED) Loan payable to the Erich 8� Hannah 5achs �oundation dated September 4, 2009. Funds are to be used to facilitate the development of }ow income housing using the self-help method. Loan bears simple interest af 2.5% per annum and is due October 22, 2Q19. Loan payable to Weffs Fargo Bank dated September 9, 2014. Loan is for creating or preservation of affordable housing earmarked for low and moderat�income residents in #argeted rede�elopment areas. Loan bears interest at 2°Jo with accrued interest due quarterly. Loan is payab[e on 5eptember 9, 2018. Note payable to Rabobank dated December 13, 2006, secured by a deed of trust, and payable in mon#hfy installments of $6,496 beginn9ng on January 15, 2�07. Loan bears interest at 5.5% and rr�atures on December 15, 2031. �, y` Note payable to the County of Ri�erside Rede�elopment '-- Agency dated June �, 2a07 to he�p finance the acquisition and pre-development costs of the Nuestro Qrgullo subdi�ision irt Mecca, CA. The note bears no interest and is payab�e on the earliest af the date #he properly is so�d or refinanced, or by an � event of default by the borrower. Loan payabfe to the California Endowment in the amo�nt of $750,000 dated March 10, 20�1 for pre-develapment costs and GAP ftnancing of fow-income housing prajects. The note bears a fixed sirnple rate interest of 2%, requires an annua] payment of $150,000, with the f�nal payment and any unpaid interest due March 10, 2022. � Note payable to First Bank dated January 8, 2015 for $2,�00,000, of which $1,350,000 was outstanding on September 30, 2017. Note requires montf�[y interest payments based on the Wafl 5treet Journa! U.S. Prime Rate less 0.5%. The a�tstanding principal balance rs due January 1, 2020. �� " , 1��. _ Las Casas [ Apartments Mortgage payable to United 5tates Department of Agriculture Rurai De�eEopme�t, dated October i, 1987 payable in monthly installments of $4,427. The loa� is secured by the land and bu�[ding, is payable in 33 years, and bears an interest rate of 1.0%- 300, 000 � , 500,000 755,643 1,500,000 .�� ��� � , 350, 000 97,2D5 22 THE COACHE�LA VA�LEY WQUSING COALITION AND AFFfLlATES Notes to Consolidated Financial Statements September 30, 2017 NOTE N. LONG-TERM DEBT (CONTINUED) Las Casas 1 Apartments Mortgage payable to United States Departmenf of Agriculture Rural Deveiopment, dated October 1, 1987 payabie in monthly installments of $1,281. The foan is secured by the land and building, is payab�e in 33 years, and bears an interest.rate of 1.0%. �oan payable to the United States Department of Agriculture Rural Development, dated March 5, 2004, payable in monthly installments of $744. The loan is secured by the [and and building, is payabfe in 30 years, and bears interest at 1.0%. Las Casas �� AQartments Mortgage payable fo United States Department of Agric�ilture Rural Development, dated October 8, 1991 payable in monthEy insiallments. of $7,453. The loan is secured by fhe land and building, is payable in 33 years, and bears an interest rate of 1.0%. Mortgage payabEe to Uniied States Department of Agriculture Rural Developmenf, dated October 8, 1991 payable in monthly installments of $702. The loan is secured by the land and building, is payable in 33 years, .and bears an inferest rate of 1.0%. �as Casas II Anartments Mortgage payable to United States Department of Agriculture Rural Development, dated March 5, 2004, payable in monthly installments of $744. The loan is secured by the larid and building, is payable in 33 years and bears interest at 1.0%. Pie De La Cuesta Apartments � Mortgage payable to Un�ted States Department of Agricu]ture Rurai Development, dated April 17, 1991 payable in monthly installments of $6,253. The loan is sec�red by the fand and building, is payable in 33 years, and bears an interest rate of 1.0%. 31,148 156,221 518,465 49,019 156,292 429,614 , ; -1, � ,- -�� � � � �4, � 23 �r�__� THE COACHELLA VALLEY HOUSING COALITION AND AFFf LEATES Notes to Consolidated Financial Statements September 30, 20�7 NOTE N. LONG-TERM DEBT (CONTINUE�} Pie De La Cuesta Avartments (Continued) Mortgage payab[e to United States Depar�ment of Agriculture Rural �evelopment, dated March '{5, 2004 payable in monthfy instaElments of $447. The loan is secured by the land and building, is payable in 33 years, and bears an interest rate of 1.0 %. Mortgage payable to United States Department of Agriculture Rural ❑e�elopment, dated ApriE 17, 1991 payable in monthly instaAments of $2,038. This loan is secured by the {and and building, is payable in 33 years, and bears an interest rate of �.Q%. Desert Gardens A�artments Mortgage payable to United States Department of Agriculture '"� Rural Development, dated June 7, '{ 996, payabfe in monthly �' � �, instal[ments of $'lfi,234. The loan is secured by the land and building, is payable in 33 years and bears interest at 1.0%. Mortgage payable to County of Riverside Community De�eEopment Biock Grant (CDBG) Program, dated December 3, 1996, payable in one payment consistiRg of principai and interest of $fifi5,000 on October '{, 2029. The loan is secured by the land and buiiding. Mortgage payable to 5tate of Califomia Depar�ment of Housing and Community Development, dated January 6, 1997, payable in one payment consisting of principal and interest of $'l,9D8,OOD on No�ember 30, 2053. The ioan is secured by the land and building is payable in 55 years and bears an interest rate of 3.0%_ � Fred Youna Labor Center Mortgage payable to The United States Department of Agricu[ture Rural Development, dated January '{989, payable in monthly installments of $7,463_ The loan is secured by the land and bu�lding, is payable in 33 years and bears interest at 1.0°/v Mortgage payable to United States Department of Agriculture �`-�� Rural Development, dated January '{ 989, payable En monthly ;, instal[ments of $5,858. Loan is secured by the land and building, ��� is payable in 33 years and bears interest at �.0%. 93,732 '� 43, 979 2,329,690 vOD,000 7za,aoo 371,224 268,286 24 THE COACHELLA VALLEY HOUSING COALITION AND AFFILIATES Notes to Consolidated �inancial Statements September 30, 2017 NOTE N. LONG-TERM DEBT (CONTINUED) Fred Youna Labor Center (Continued} Mortgage payable to United States Depar#ment of Agriculture Rural De�elopment, dated May 2008, payabfe in monthly installments of $2,977. Loa� is secured by the land and building, is payable in 33 years, and bears an interest rate of T.a��o. Mortgage payable to United States Department of Agricu�ture Rural De�elopment, dated October 2002, payable in monthly installments of $2,977. Loan is secured by the land a�d'building, is payable in 33 years, and bears an interest rate of 1.0%. Paseo De Los Heroes Promissory note dated, December 19, 2003 payable to the Rural Community Assistance Corporation. The nofe is payabfe in monthly instalfinents of $5,653 and is d�e on February 1, 2029. The note is secured by the deed of tr�st and bears interest at 1.0%. Promissory �ote dated, August 2, 2004, payable to Citibank {West). The note bears no interest requires no mbnthly payments, and is due on August 2, 2019. Nate is secured by the deed of trust. Las Casas III Note Payable to the State of California Department of Housing and Community De�eEopment dated Jan�ary 5, 1993. Note in the original amount $1,587,575 bears interest at 3% annually. The outstanding bafance includes interest payable of $1,11 T,829. The note, plus accrued interest, is due in January 2047. � Nueva Vista The f[rst note is held by the State of Cafifornia Department of Housing and Commu�ity de�elopment (93-FHDP-OT4) in the original amount of $1,348,188 on No�ember 15, 1995. The nate bears inkerest at 3% per annum due March 31, 2035. lnterest only, is d�e to the exfent of available net cash flow, as defined' in the loan agreement, coliateralized by the �a[ue of the real estate. I�terest of $882,803 has been accrued as of September 30, 2014. � 745,378 588,436 731,611 235,000 2,699,404 2,230,991 ��`• , � . `; � ,�- , %, 25 �,,--� THE COACHELLA VALLEY HOUSING COALETION AND AFFILIATES Notes to Consolidated Financial Statements Septemher 30, 2017 �' NOT� N LONG-TERM DEBT �CONT[NUEDI 1,012,493 326,873 7,834,279 �' - ` La Hacienda The first and only note is held by the County of Rive�side in the original amount of $1,012,493 on December 20, 1994. The note bears interest at 0% per annum and is due May 2024. Payment of principal deferred unt�l May 2024, Covote Run Note payable to Berkadia Commercial Mor�gage dated September 1, 9993. Note is secured by the property, requires monthly payments of $5,37A�, bears a simple interest rate of 4.5%, and matures on August �, 2023. Note payable to State of California Rental Housing Construction Program for $4,538,602. Note is sec�red by the property, bears a interest rate of 3.0% {simple) per annum, and req�ires interest onfy payments based on residual cash receipts. The outstanding principal and accrued interest of $3,295,677 is due an .luly 1, 2043. Paseo de los Poetas First note payahle to Couniy of Riverside dated May 21, 1996. The note requires no month[y payments, bears interest at 0%, and matures an May 21, 2026. Second note payable ta Chase Bank dated November 95, 1998. Note bears interest of 8.3°,6, requires rr�onthly payments af $1,233, and matures on November 15, 2028. Note is secured by real properky. Third note payable to Chase Bank dated November 15, 1998. Note requires no monthly payments, bears interest at 0%, and matures on Navember 15, 2028. Tlaauepaque First mortgage note �ayabfe to Pactfic Life BanEc dated September 30, 9 994. Note bears interest of 5.48%, requires monthly payments o� $4,149, and matures on October 1, 2024. Note is secured by the propert}r. 543, 000 107,445 �o�,00a 299 ,705 26 THE COACHELLA VALLEY HOUSING COALITION AND AFFILIATES Notes to Consolidated Financial Staterrients September 30, 2D17 NOTE N, LONG-T�RNi D�BT (CONTINUED� Tlaaueoaaue (Continued) Second note payable to the State of Caiifornia Department of Housing and Community De�elopment Rental Housing Construction Program for $2,D52,764 dated September 22, 1992. Note bears interest at 3% simple interest with the interest portion payabie from excess cash generated from operations. The outstanding principle and accrued interest of�$1,483,570 is d�e June 10, 2049. Note is secured by the property. Casa San Mia�el de Allende �oan payable to the County of Ri�erside dated January 5, 1998. �oan bears no interest, requires no monthfy payments, and the outstanding ba�ance is due January 5, 2038. Note is secured by first deed of trust. Loan payable to the City of Cathedral City dated Jufy 31, 1997. Loan bears no interest, requires no monthly payments and the outstanding principal baEance is due July 31, 2037. Note is secured by a second deed of tr�st. Loan payable to the City of Cathedral City dated July 23, � 998. Loan bears no interest, requires no monthly payments, and the o�tstanding principal balance is due ,]u[y 23, 2038. Note is secured by a deed of trust. Note payable to Hemet Federal Sa�ings Bank. Note bears no interest and requires continuing compliance reguirement of pro�iding low income housing. Note payable to the County of Ri�erSide. Note bears no interest and requires continuing compliance requirements of Pro�iding low income housing. Las Palmeras First note payable to Bank of America dated Juiy 1, 2009. Note bears interest at 8.25%, requires monthly payments of $4,415, and matures on April 1, 202fi. Note is secured by the property. Second note payable to the County of Ri►rerside dated April 4, 1999. Note bears zero interest, requires no monthfy payments, and matures on March 31, 2039. Note is secured by the • property. , . -. �� 3,536,334 550,OOD f. `. � 500,000 26, 800 175,5DD 214,789 331,572 850,OOD � .� 27 ��� _ .� Sepfember 30, 2017 Las Palmeras {Continued) THE COACHELLA VALLEY HOUSWG COAL[TION AND AFFILIATES Notes to Consolidated Financial Statemenfs NOTE N. LONG-TERM DEBT (CONTINUEDI Third note payable to Bank of America dafed January '[9, 2000. Note bears zero interest, requires no monthEy paymenfs, and is due January 19, 2031. Note is secured by rea! prope�ty. Fourth note payable to California Housing Finance Authority dated August 20, 2001. Note bears zero interest, requires no monthly payments, and matures on August 20, 2056. 393,728 � 83,923 Chapuiteqec � � - �, Note payable to United States Depar�ment of Agriculture Rural De�elopment for $500,000 dated January 30, 2003, payable in monthly installments of $�,061. The foan is secured by the land and building, matures on January 30, 2033, and bears an interest rate of i.0%. Note payabfe to County of Ri�erside dated July 9, 2001. The note requ�res no monthfy payments, bears interest at 0%, and matures on July 1, 2056. Note payable to Cafifomia Housing Finance Authorify dated May �, 2003. Note bears zero interest, requires no monthly payments, and matures on May �, 2058. 463,383 :�� ��� 105,951 Fuente de Paz �� Note payable to California departrnent of Housing & Comm�nity De�elopment for $500,000 dated June �2, 2001. The note bears interest at 3% per annum and matures June 12, 203i. Principal payment and accrued interest of $130,069 is deferred and requires interest only payments based on residua! receipts. Note payable to Hemet Federal Sa�ing Bank Affordab{e Housing Program {AHP) dated March 6, 2009. The note bears interest at 0% and matures on March 6, 203'[. Note payab[e to Cali#ornia Housing Finance Authority dated May i, 2002. Note bears zero interest, requires no monthly payments, and matures on May 1, 2057. 630,069 � 85,000 124, 359 28 THE COACHELLA VALLEY HOUSING COALITION AND AFFILIATES Notes to Consolidated Financial Statements September 30, 2017 NOTE N. LONG-TERM DEBT (CONTINUED) F�ente de Paz (Continued) GrantlLien agreement payabfe to United States Department of AgricuEture Rural Development Section 516 dated September 27, 2000. The lien requires no interest or principaf payments. Total Long-Term Debt Less: Unamortized Debt Issuar�ce Costs Less: Current Portion of Long-Term Debt Tota[ Long Term Debt 7aa.00a 45,355,711 (46,2Q9) (3.627.151) � 41.682,� Long-term debt repayments due in each oF the next five fiscal years are: 2018 2019 2Q2Q 2Q21 2a22 Thereafter NOTE O. DEFERRED REVENUE-LONG TERM Lor�g-term deferred revenue consists of the following: Deferred notes — sing�e family ho�sing Deferred developer fees Total Long-Term Deferred Revenue NOTE P. TEMPORARILY RESTRICTED NET ASSETS $ 3,514,731 1. Q27.368 $ 4.542.099 Temporarify restricted net assets at September 3Q, 2Q17 were available for the following purposes: USDA — RD Technica! Assistance Grant — Self Help CA DHCD — CalHome Grant Subsidy Loans — Single Family CA DHCD — CalHome Reuse Grant Subsidy Loans -- Single Fami[y USDA -- RD Fred Young Rehabilitation Rural LISC Community Services Program Grants Housing Counseling Program Grants Riverside Co�nty EDA Neighborworks America Total Temporarily Restricted Net Assets $ 3,627,151 4,7.70,563 5, 522,152 1, 007,299 875,937 29.552.609 $ 45.355 711 $ 5,117,4Q4 180,048 217,199 2,242,929 18, 875 103,136 5,000 563,191 75.000 : : ' �� >� i' ' � ��'7 �-,; - ,; 7HE COACHELLA VALLEY HOU5ING COALIT��N AND AFFILIATES Notes to Consolidate� Financial Statements September 30, 2017 TEMPORARILY RESTRIC7ED NET ASSE7S NOTE P Net assets were released irom donor restrictions by incurring expenses satisfying the p�rpose or time restriction specified by the donor as foflows: USDA — RD 7echnical Assistance Grant — Self Help CA DHCD -- CalHome Grant Subsidy Loans — Single Family Commun9ty Services Program Grants Housing Counseli�g Program Grants Neighborworks America Rural �1SC 7otal Refeased from Temporarify Restricted Net Assets NOTE Q. PERMANENTLY RESTRICTED NET ASSETS Permanen�ly Restricted Net Assets consist of capitaE grants received from Neighborworks America to in�est in perpetuity capital grant funds which are used to support affordable housing derreiopment and other actirrities related to housing �;�� ` projects. As of September 30, 2017, these grants harre been in�ested as follows: Capitaf Grants — Sing[e and Muitifamily Development $ 896.504 � 896 5d4 During the year ended September 30, 2017 Neighbonrvar[cs America authorized the Coafition to use a portion of the permanentfy restricted net assets to subsidize certain housing projects, and commun�ty services programs. The funds released were as follows: Capital Grant Con�ersian 2D�7 �� � � Total Released from Permanently Restricted Net Assets NOTE R. EQUITY TRANSFER $ � ,134,313 39, 9 50 39, 799 5, 000 27, 895 74.900 � 1.321.Q�7 $ 384.2�6 $ 384,21� During the year ending September 30, 2D17, the Coafition acquired two multi-family low income housing projects limited partner interest: Limited partner interest the CaEifomia Limited Partnership Mecca Housing Assaciates, L.P. which owns and operates the Chapu[tepec Apartments. The Coalition has secured 100% �nteresi in this entity. The partnership was created to pro�ide affordab(e housing under the Low fncome Housing Tax Credit Program (LIHTC}. 7he �imited partner's �nterest was transferrecf to the Coalition without any consideration. This transfer of ownership resulted in a combined net equity transfer af $1,116,620. The folfowing is tf�e fair �alue of the assets and liabi[ities acquired by the Coalition on the date of transfer, January 1, 2017: �� THE COACHE�LA VA�LEY HOUSiNG COAL1710N AND AFFI�IATES Notes to Consolidated Financial Statements September 30, 20'{7 NOTE R.. EQUITY TRANSFER (CONTINUEDI Working Capital Cash Reserve Accounts Recei�ab{e Deposits & Prepaids Long-Term Assets Accounts Payable Accrued Liabilities Security Deposits Deferred Re�en�e Long-Term �iabilities Equity Transfer $ 58,209 44'1,786 9,282 23,266 9,995,640 (9,274} ('{2,500} (� 4,'! 06) (3, 936) (1.37� .747) 1.116.620 Limited partner interest the Ca[i�ornia limited Partnership Harrison Street Ho�sing Associates, L.P. which owns and operates the Fuente de Paz Apa�tments. The Coalition has secured 100% interest in this entify. The partnership was created to pro�ide affordable ho�sing under the Low �ncome Housing Tax Credit Program (Lf HTC). The fimited pa�tne�s interest was transferred to the Coalition without any considerat�on. This transfer of ownership resulted in a combined net equity transfer of $895,018. 7he following is the fair �alue of the assets and fiabilities acquired by the Coa[ition on the date of transfer, Ju[y 9, 2017: WorEcing Capital Cash Reserve Accounts Recei�able Deposits & Prepaids Security Deposits Long-Term. Assets Accounts Payab�e Accrued Liab�lities Securify Deposits Deferred Re�enue Long-Term Liabilities Equity Transfer Tota[ Equity Transfer $ 53,689 363,512 2,347 4,010 17,024 2,165,277 (16,216} (39,918} (16,611} �(2,417} ('1.635.679) 895.018 $ 2.011,63fi No adjustments were �equired to the accounting policies of the partnerships to conform to GAAP. 7he consolidation of the partnerships into the Coalition's financial statements eliminates $39,689 of recei�ables and liabilities and $24,500 of re�enues and expenses, which are included in the amounts of intra-entity transactions eliminated on the consolidated financial statements. ,'- 1 � ,' � � 1 3� �f" � , �. THE COACHELLA VALLEY HOUSiNG COALITION AND AFFILfATES Notes to Consolidated Financial Statements September 30, 20'I7 NOTE S. GRANTS For the year ended September 30, 2D17, NeighborWorlcs America awarded the Coalition $378,333 in expendable grants. In addition, the Coalition recei�ed grants and loans from �arious federal agencies that were used to support the Coalition's programs. All of the federal grants expended by the Coalition for the year ended Sepfember 30, 2D97 are listed on the Schedule of Expenditures of Federal Awards. NOT� T. FIDELITY COVERAGE The Coafition has fdelity bond co�erage insurance in the amount of $3,000,000 and is in compliance with the insurance requirements of NeighborWorks America and the U.S. Department of Agricuiture Rural De�elopment. � --, , NOTE U. CASH RISK CONCENTRATEON The Coalition maintains checking and savings accounts for operations with se�eral financial instifutions. The Federa[ Deposit Insurance Corporation (FDIC) insures deposits up fo $250,DD0. At September 30, 2017, the Coalition's uninsured cash balance totaled $'I'I,726,875. NOTE V. RET[REM�NT PLAN AND TRUST On May �, 2D�5, the coalition adopted a 4D�(k) profrt sharing plan. Each e[igible empfoyee may elect to participate through a salary reduction agreement, and each e�igible employee receives a 3% empioyer contr�bution plus an additional .05%-2% contribution based on years of service. For fhe year ended September 30, 2D'I7, employer cantribution expense to this pfan was $95,333. NOT� W. COMMITMENTS AND CONTINGENCIES Limited Partnership OperatinQ Deficif G�arantees The Coa[ition, as the sponsar agency for its low income housing tax credit projects, has fhe responsibility to caver a certain amaunt of fhe operating deficits incurred by any of the limited partnerships in which the Coa[ition's affiliates are involved. As a result, the Coafition has signed operating deficit guarantee agreements wifh two of its affiliates involved in these pro�ects. The maximum amounts the Coa�ition is obiigated to advance under these agreements are as folEows: a) Brisas De Paz Associates, LP in the maximum amounf of $2D4,OOD fo cover operating deficit and debf service for up to five years after achievement of breakeven operafions. � -1 b) Fred Young Phase I Associates, LP in the maxim�m amount of $500,000 to cover operating defcit and debt service for up to three years after achievemenf of breake�en aperations. 32 THE COACHELLA VALLEY HOUSING COALITION AND AFFiLIATES � �•� �� ` Notes to Consolidated Financial Statements �. September 30, 2097 NOTE W. COMMITMENTS AND CONTINGENCIES (CONTINUEDI Federal and State Grants The Coaiition receirres grants and loa� guarantees to operate its �arious programs: The administration and use of fu�ds under these programs are subject to the rules and regulations set forth by the grantor agencies. Proaram Fundinq Continuing program funding is contingent upon a�ailability of funds from federal, state and county sources and project perFormance. The funds are awarded upon receipt and approval of program applications. NOTE X. PRIOR YEAR SUMMARIZED INFORMATION The financial stateme�ts incfude certain prior year summarized comparati�e information in total but not by net assets class. Such information does not include s�fficienf detail to constitute a prese�tation in conformity with generally accepted accounting principles. Accordingly, such information should be read in conjunction ,°� with the Organizations' financial statements for the year ended September 30, 2016, ., ` from which the summarized information was derirred. �— NOTE Y. ADOPTION OF ASU 20� 5-03 For the year ended September 30, 2017, fhe Coa�ition adopted ASU 2015-03. This new accounting sta�dard requires prepaid loan issuance costs to be reported as a reduction of the long-term. debt liabifity reported on the sfatement of financiaf position. ASU 20�5-03 also requires the application of this new standard on a retrospective basis. The net effect of fhis change on the 2016 financiaf statements resulfed in � decrease of fotal assets and long-term debt liability of $47,7�7. NOTE Z. SUPPLEMEN7AL DISCLOSURE OF CASH FLOW 1NFORMATION For fhe year ended September 30, 20� 7, interesf expense paid by the coalition tota�ed $311,1�3. NOTE AA. SUBSEQUENT EVENTS �or the year e�ded September 30, 2017, the Coalition has e�aluated subsequent e�ents for potenfiaf recognition and disclosure through February 7, 2018, the dafe of financia[ statement issuance. ,--� } 33 �1% � '•"� � � ��\ i SUPPLEMENTARY FINANCIAL f NFOR[1�ATION �,� � . ,* 34 THE COACHELLA VA�LEY HOLlS[NG COALITION AND AFFILIATES Combining Statement of Financial Posifion Sepfember 30, 2097 CLIRRENT ASSETS Cash Grants Receirdble beveloper Fees Receivable Other Rer2ivables Real ?roperty HeJd for Aesaie Prepaids �epo9iis TOTALGURRENTASSETS MON�CURRENT AS5ET5 ResLicted Cash Notes Rereivahle Construction in Progress - MF Long Term Investments - R�iliafes Long Term Receivables- MF Pmperty, Plant and Equipment - Net TOTAL NON�URREHT ASSETS TOTALASSETS LIABILIT[E5 AN� NET ASSETS: CURRENT LIABILlTIES Accounts ?ayable Arrlued Liahilifies Current porlion long-term debF �eposits Payable Other Liabilities �eferred Revenue T6TAL GURRENT LIAB[LITIES NON�Cl1RREHT LIABIL]T1E5 Long Term �ebt �efered Revenue - Long Term Notes Total Nan�urrent Lla6ilities TpTAL LIABIL[TIE5 . C6MMITMENTS AND GOHTIIlGEi1qE5: HET ASSETS UnreslricSed 7emporaridy restricled Permanently Restocied TOTAL N ET ASSPTS '70TAL LIABIL[TIES AND NET ASSETS Caachella Va]ley hIIULT[FAMILY PROJECTS Housing LAS CRSRS LAS CASAS p]E p� LA Goalitian [ I[ Gl1E5TA 5 12,778,782 5 126,703 $ 122,637 3 99,082 S 8�044�33('' - - - 1,273,7fi9 - - - 3,259,406 4,224 4,911 9B,1Q5 i1,995,684 - _ _ 1,411 8,279 i2,418 'IB,47Z 1i,313 37,078 5A,43i 5�,416 35,364,693 t76,284 993,597 186,075 6,857,336 469,349 536,383 364,460 a2s�,aes - - - 3,793,564 - - - 6�S6,BU3 - - - 33,964,871 - _ _ 2,092,779 827,372 1,S1D,603 3,368,BQ2 57,202,939 i,396,691 2,076,986 4,733,262 ; 9Z,567,632 S 1,572,975 ; 2,270,583 $ .i,919,337 $ S 535,100 $ 70,096 S 13,510 S 14,264 $ 267,535 3,044 4,Sfi6 10,928 2,786,990 74,584 89,553 88,185 31,912 30,953 44,179 40,759 2,1i0,520 - _ _ 167,8Q0 • - - 916,tB4 17,185 20,310 'i8,00'! 6,016,037 135,072 182,118 183,537' 1i,096,620 249,990 624,'I43 569,140 4�512.099 - - - 15,63B,71B 209,890 624,143 589,140 27,654,756 345.062 806,267 752,277 UE5ERT GARDEHS 131,329 24,876 15,455 7U.46fi 242,126 587,274 3,073,08i 3,66p,355 3,902,-081 21,709 4,595 171,508 55,276 1U,878 263,968 . 3,378,182 3,378,182 3,G42,95p 67,493,580 1,227,913 '�,464,322 1,167,060 264,331 8.522,782 - _ - - 896�544 - - - - 70,912,876 1,227,813 1,4fi4,322 1,167,Ofi0 260,331 $ 82,667,632 S 9,572,975 S 2,27�,683 # Z,419,337 S 3,902,481 ��� .� , �i � � ! `�' � �� 35 �- � �� ��� FREp YDUNG RANCHO PASED dE EL LABORCEHTER 4NEST LOSF[EROES SOV4H0 TOTAL Schedule 1 G S 168,513 $ 9B4,362 S 185,85� i fi4,233 S 14,657,491 - - - - 6,R44,336 - - ' - 1,273,761 21,OA4 99fi 4,83f 72,096 3,359,659 - - - - 11,995.fiB4 26,773 24,714 1,740 1,976 1�2,�38 106.a06 t18,975 15,200 1��70 �77,155 322,386 1,124,967 20fi�621 1�5,775 37,426,524 362,112 94�,635 350,354 G2,683 50,534,555 - - - - 4r297�486 - - - - 3,783,564 ' - - - A,256�9R1 ' - - - 33,904,971 2,a57,051 1254.157 � 1,819,788 9,333,122 15.866,715 2$98,163 2,196,752 2,77Q142 ta95,805 74,65[,095 � S 3,141,549 $ J,32S,718 s 2,976,7fi3 S 1,499,3AO $ i12,574,618 $ 14,538 5 79,fi45 i 59,965 S 10,570 S 668a97 55,4d6 9,5[� 3,859 $9,81i 4�9,427 217,563 - 6U,799 - 3,503,18A 79,553 66,739 6,2Ua 11,731 386,504 - - - - Z710,32U • - - - 167,800 i,930 19,14b 9,551 1,906 20T,177 363,036 144,059 92,474 153,518 7,493,013 5,761,755 - 905,812 • 18,545,642 - - - - 4,542,04y 1.761,755 - 865,812 - 2;,087.741 2,124,781 741.0.53 998�86 i73,118 3U,5BU,754 t,016,758 3,f78,666 7,378,477 1,3�6,462 72,5T4,579 - - - - 9,522,762 - - - - 89fi,504 1,016,758 3,17B,fi66 1,378,477 S,3B6,�62 6t,9B3,Bfi5 � 3,14i,549 S 3,32S,7f9 S 2,376,763 S 1,499,580 ;�12,574�619 �7 a 36 m THE COACHELCA VALLEY HOUSING COALETION AND AFFILIATES Combining Statement of Acti�ities Year Ended September 30, 2097 UHRESIRICTEb NET�A56ET5 Suppart REnlal intome Cartvnereial inwme Interesl inmme Granls E mnVaras �evefoperfees Mukifamily prujecl inmme SeIF-Help projacu inrame Gain on IrneslmenLs - AKGalee Other Revenue Nd Atsels releesed fiom festrictiqq Restri�lions sa55fied 6y puovision at scrvi<xs-yrants Restrictions sa5sfied tr�r pmvision otswirisrap'rta1 grants To1a] UmesVicSzd Revenue and Net Nsets Released from Reshidions E�rtses Personnel Contrar�ual SuppGes Travel CammunicaGan Mainienanrr. and operating Space Cns1S Other wsts Intaest E�msr AAullifanvy projecis Self Help profects �pitaf e�ndihires Oermeaation Tatal E�ense� EYCEss (�EFlCITJ OF REVEli]lE OVER E1fPEN5E5 OTFIER CNANGES GA[N ON FORGIVENESS OF DE9T IHCREASE (DECRFJ�SEi [N UNRE57R1CTEO NET f�SSETS TEMPORARILY RESTRICTEp NEf ASSEfS Federal, SSate, andlocal granls NelAssets released-d�sencumbered-grants Nel Asseis �e3eased - eame6 grants INCREASE (�EtREtSEJ [H TEMPORAH[LY RESiW CTE� NET ASSETS PERhtAP1ENTLY RESTAICTED HET A99ET5 Conlri6Wions ReSeese from Regtrin[pits - GrdnLa {NCREASE {DECRFASE) IN PEHI.SANENTLY RESTR4CTER HET ASSEfS IHCREAuE �DECREASEj 1N p[ET /155ET5 NET.4SSET9 AT 9EG[HNING OF YEAR Equ3fy innslers NEi ASSETS A7 END OF PERIDD Coachdla Valky MULTIFAMILY AR0.[ECTS Housin0 LAS CASAS L45 CA5A5 PIE OE LA �ESERi Caalition I I1 Cl1ESTA GAR�PN5 S 450,237 S 499,089 S 5fi6,B96 S 510,654 S 715,370 - 2a,483 '38,665 16,9B9 22,755 67,33i 1,935 $,367 1,894 3,10fi 2,N6,B44 - - . ' 1,037,990 - - - • - 530,998 - _ _ _ 807,639 - . ' . _ 3t,013 - - ., - - 47�79 6,�00 - 6,000 6,125 5,083,575 4]6,507 6D7,92B 535,542 7q7,33G 7,371,057 - ' - ' 98S,2i6 - - ' ' 6,788,844 43fi,567 607,928 533,$42 ' 747,53fi 3,i6fi,643 94,6fi7 i42,061 97,384 126,294 676,373 ' S0,274 75,580 65,239 79,183 fi4,056 3,83� �,697 5,797 5,931 102,372 ' ' ' ' �0,389 2,578 3,746 3,3f� 3,727 - 49,567 53,1i2 88,34fi 78,792 11S,7B5 69,825 126,077 88,553 736,108 436,400 76,681 24,507 2B4OOB 24,731 205,528 3,249 7,775 7,204 2�,224 is�.6as • - - - 7,075,808 - - - � 2a,000 �3,557 116,130 75,497 7�,858 28,757 83,771 147,198 129,SZ5 175,859 6,976,116 4i7,84p 697,487 SS0,076 729,6p7 662.72b - 19.667 - (89,553J (54,334) - 17,929 {1.8G6j ' ' ' ' 666,662 18,667 (89,553) {54,534) 17,929 5,931.188 - ' ' - (3,687,4l16) (1,321,05� ' . - ' - 922.731 ' ' ' " (364�16j ' ' ' ' (384�16) - • ' ' 1,78B,7T7 18,6fi7 (89,553) (54,53�) 17,929 69,509,999 1,2a9,2�6 1,553,875 7,224�,594 242,1-02 203,5Q0 - _ _ _ � 70,912,876 S 7,227,91] y 1,46<,322 S 1�161,G60 s 280,731 p. . .} � � � � �/ 37 r.= - r' FREO YOUNG RANGHO PASEO �E EL LABORCEHTER WE57 LOSHEROES S6LAH0 'fpYpt $ 1,066,523 f 1,t0i,8B6 S 406,92[I S 193,687 S 5,420,287 27,315 26,973 9.193 1.463 7f�,916 1,i31 7,624 2.439 64 � gZ.491 ' ' ' - 2,716,S4d ' - - - i,037.910 - - - - 530,998 - - - - 807,659 - - - - 31,013 6,744 652 - 87t 74,171 1,102,313 1,137,135 �iB,552 196,OB5 16,26i,169 - - - - i,321,057 - - - - 584,216 1,tU2.3t3 1,137,ty5 418.Si2 196.065 11,970,443 232,455 193,955 116,724 51,189 �1,?1t,577 10B,B55 157,400 68.9&5 2D.70.i 1,299,791 1l,681 7,577 4,996 �,975 140,576 " ' - - t02,3T2 6,431 3,623 1354 2,592 fiB,694 - 136,187 t61,65fi 55.797 45,497 7�5,SZ4 ri 229,794 11i,929 57,148 51,751 BB3,271 , 61,873 54,255 i6,�71 10,C52 672,691 2i1,B76 - 7,643 - 276.499 - - - - 197.409 - - - - 1.075,808 tfi0,�192 85,284 3.993 1,261 580,8Bi 56,46i 63,485 2d4,859 65,666 995,773 t,086,095 838,884 574,975 25S�BB 11,31Z362 1fi,21B 299,257 {156,423) (55203) - 558,080 • - • - (�,essf 16,218 298.25i (456.4Z3} ($5�0� fi5fi,214 - - - - 5,931,188 �3.��.,� - - - - (1,321.057j - - - - azz.�t - - - - (3e�,�ts� - - - - r.�eazie� 16,218 288,251 (i56.423j (55�{13) i.194,729 1,000,54Q 1,081.415 1,534.900 1.441,665 80.795,636 - f260,OD� - - 3,590 s 9,076,768 S �,'1T9,666 S 1,J78,4T7 S 1,J86,4b2 S 91,993,865 �` ` h '1 Schedufe 2 38 THE COACHELLFI VALLEY HOUSING COALITION AND A��ILIATES Combining Statement of Cash Flows Year Ended September 30, 20'!7 CASH FLOW FROF! OPERA7ING AQTMTIES I�uease (Deuease} in net esSeLs Adjustrfienfs fo reeontile iorlease in net assets to ne[ msh (used in) operaliog sctivities Uep�et�aGon and amortizalion Gein on forgiveness ai debt Lass (Gain} on ErnresLnertts Bad de6t eq�ense jIHCREASE] OECREASE IH OPERATING ASSETS Grania and mntract receivabfes pevelaper fees rece�vable Oiharreceive6Ses Lsnd held for rnsale Prepaid expend�fures �eposiLa Luans receiva6les lang term tiafes receh261es IHCREASE j�ECREAS� IN OPERATING LIAHILITIES Accounts payahle Accrued expenditures Securily deposiis paya6le Othrs lia6ilities Loans paya6le �eierred Revenue NET CASH {lfSE� IN) OAERATIHG ACTMTIES CA5H FLOWS FROIA iNVES7ING ACTIVITIES PaymenLslTransfers la rrslrieled �eserve Yroceeds fram resiricted reseJve - Rep}arement 8 Oper. Aroceeds and Paymenia la Tax & Ins�aance Reserve ProceedslTransfers to Operafing Ssvings IrnresLnent in aifiliates Capital Improvemer� - MF lang Term Receiva6ies - MF PurcF�ese af fixed assets Dispositinn of InvesUnero[s N ET CASH PROVIdED mY INVE5ITNG ACT]ViiIES CASH FL.OW FROG FIHANC[NG ACiM71ES Prindpsl paymenls on inortgage Eemed irRrJrst mserve Proceeds (rom long term drbi PaymenLs aflong term debt Transfrss of long iertn de6t - ARfiates Ueferted revenue- Lang 7erm Notes Equity T�ans#er . NETCASl1 PROVI�E� FR06! FINANClNGAGi11lITIES NET INCREASE [OECREAS� IN CASN qH6 CASH EQllIVpLENTS 6EG]NHING BALA?7CE OF CASN AND Cp5}I EQplVALENTS EN�ING BAL4NCE CASH ANG CASl1 EQUIVALEHTS Coacha[la Valley M 11T1FAMILY PROJHCTS Housing LAS CASAS L45 Cq5A5 PIE 0$ L.q DESERT Coalition I 13 CUESTA GAROEHS 5 1.199,377 S iB,667 S (89,553j S (54,534j S 17,929 26,751 83,77'I 147,14fi {955,218) . . 33b,394 - - {�64,098� 2,710 (249J 1,789,728 - - B,d73 (494J (740) (8,430f 41B {1,778) {646,789} - - 375,647 za,�ss (91,850) (ffiQ,46� 167,800 5Q,256 1,268,857 (5,879) 30 (5,574) �rzf 93,277 IS,�i 36B '1,855 �s,�s1� 45,875 647,107 z,�a2 (l68,528} SOS,fi06 {2,882J 387,00.5 {47,500} 43,357 67 (4,076} {70,200) 116,130 (866J 45,124 129,fl25 175,959 6,375 77B 1,668 (280) (2,318) (1,5q1j (1.119J 7,6i7 2,217 (3,591) 86,940 752 133 t,3G1 �,orz� 992,019 ���9�f 75,497 ��.�61 17,�21 (l9,2Q0) 74,958 551 (3,69t) �a,asx) pa,�ai} �ss,o�s� {s�,ssa� �no.ssoy - (1,798} (2,034} (1,744} (2,840) 3ao,aoo - - - - (1�200�00�) • - - - (495,2623 ' ' - - 203,500 - - - - (1,226,214] (/5,979) (101,049) (99,399) (173,420) 429,648 13,222 (1U,056} 3,769 14,908 12,349,134 193,489 132,687 95,319 116,421 S i2,778,782 S i�6,703 S 12�637 � 99,082 S 737,379 39 -' • , % � r � �\, , � Scheclule 3 �; _ �. ; FFi�YOCAJG RAf1CFfl PAS�UE H. LABORC@lf8i WEST L0.5FBi0E5 SOLAFA T07AL S 1fi,218 S 298�51 S(156,42� S(i52D3) S 1,t94,T29 56�461 63ZS5 24a,859 C�S,fi66 A95�773 - - - - (855218} - - - - 3i6,394 4,582 (895j (1.703) (4,Sd9j (257,049} - - - - ���� 4,426 (1,054) 126 (3B� 11,318 (3�&6) (fi31j - (1a+`7 (18,331) - - - - i�.� (t,e,z} (z,�w�) �o�7s �s,es,� �s7,s�e 6,865 (Z3B1) 4T2 7,495 40,758 3,535 1,287 - 1�5 {6,984) ' � - - - - {B2Q,�071 r' ' - - - - ]67,800 " (6,631) (11.B73J 1.30t (Z5) 2(1�12 79,778 343,t07 99,908 11,136 2299,097 �so.aoo-� (�aa,e7s} �zs,��s} (�o�ooy ts�,7�� 160,d62 B$�R4 3,94i 1Zl'i1 560.88� (2,954} 1,Zfi0 297 890 (2.271� - - - - 2,702 - - - - crss,szar - - - - sae,so6 - - - - I��8�1 107,128 (54,512j (25.42� (8�49} 460� (216,427} ' (66,199) - Q4���0� (�zym ia,2a31 {i,�es� (al ;�5,e5�) - - - - �aa,oao - - - - i�zao,000l - - - • (4�� - czoo,000y - a,soo �z��,��� (2aa�l (62,ssa� (r�} �.�sa,m� t2a,et�) a4,si2 ia,aaz zrza sza,5� ' 183,324 896.050 t7d,967 fi1,509 t4,132,892 �� � ; , 168,5t3 ; 969,362 S t�5,8S4 i W�233 S tl,657,191 , . � � Schedule 4 7HE COACHELLA VALLEY HOUSING COALI710N AND A��ILIA7ES Grant Made By 7he UnEted States Department of Agricultu�e Rural De�elopment Self-Help Technical Assistance USDA-RD 14-1fi Statement of Re�enues and Expenditures For the Period October 1, 2416 through May 31, 2Q17 REVEN�JE Re�enues 7otal Revenues EXPEND[7�JRES Personnel Supplies Eq�ipment Contractual Travel Space Cosis Oi�er Costs Total Direci Expenditures Total Indirect Expendit�ares 7otai Expenditures EXCESS OF REVEN�J�S OVER EXPENpITUR�S Non-Federal . Granfee Federal Participation $ 1,134,314 $ - 1,134,314 - � 735,442 1 i ,097 27,050 25,341 5,155 52, 967 857,052 277, 262 1,134,314 $ $ - , 7otal Q�estioned Total Costs $'E,i34,314 $ - 1,134,314 - 735,442 11,097 27,050 25, 341 5, � 55 52, 9B7 857,052 277, 262 i,134,314 $ - $ - �� ,- -� . L. � �- "-, i � .� 4'I %_ :,: �' � � _ > � �„_ _ � THE COACHELLA VA�LEY HOUSING COAL1T10N AND AFFILfATES Grant Made By The United Sfafes Depa�finenf of Agriculture Rural Deveiopment Se1f-Help Technical Assistance USDA-RD 17-19 Sfafemenf of Revenues and Expendifures For fhe Period fV1ay 5, 2o97 through September 30, 2017 REVENUE Re�enues Tota] Revenues EXPENdITURES Persanne� Suppties Equipment Contractual Trawel Space Costs Qther Costs Tota1 Direck Expenditures Total fndirecf �xpenditures Tota! Expenditures EXGESS OF REVENUES OVER EXP�NDITURES Non-Federa] Grantee Federal Participation $ 888,596 $ - 888,596 - 569,808 9,179 25, 325 19,891 5,952 43,624 673,779 214,817 88$,596 $ - $ - Schedule 4-1 Total � Questianed Total Costs $ 888,596 $ - 888,596 - 569, 808 9, 9 79 25,325 19,891 5,952 43,624 673,779 214,817 888, 596 � - $ 42 THE COACHELLA VALLEY HOUSING COALITION AND A��ILIATES Grant Made By The United States Depar�ment of Agric�it�re Rural Development Self-Help Technical Assistance USDA-RD 14161 USDA-RD 17-'I9 Statement of Reven�es and Expenditures �or fhe Period October 'I, 20'I6 thro�gh September 30, 2017 REVENUE Revenues Total Re�enGes EXPENDfTVRES Personnel Supplies Equipment Contractual Travel Space Costs Other Cosfs Total Direct Expenditures Total Indirec� Expenditures Totai Expenditures E7CCESS OF REVENUES OVER EXPENDITURES Non-Federal, G ra ntee Federaf Participation $ 2, 022, 910 $ - 2,022,910 - 1, 305,250 20,276 52, 375 45;232 11.'I 07 96,591 1,53�,83'I 492,479 2,022,910 $. - $ Sched�le 4-2 Toial Questioned Total Costs $ 2,022,910 $ , 2,022,910 - 1,305,250 2�,276 52, 375 45,232 1�,107 96,591 1,530,831 �492, 079 2.022, 910 _ $ - $ - �' ��'. � � � � .— -� _ ,� 43 r,� :, , �," . �` - ; �. THE COACHELLA VALLEY HOUSING CDALI710N AND AFF[LIATES Grant Made By The United States Department of Agriculture Rura[ Deveiopment Self-Help Technical AssEstance US�A-RD 1416 Statemenf of Re�enues a�d Expenditures For the Period J�ly 16, 2014 through May 31, 2017 REVENUE Re�enues 7otal Revenues EXPEN�I7URES Personnel S�pplies Equipment Contractual 7ravel Space Costs Oiher Costs Total Direct �xpendit�res Tota1 Indirect Expenditt�res � Total Expenditures EXCESS OF REVENUES OVER EXPENDI7URES Non-Federal .. Grantee Federal Participation $ 6,006,000 $ - 6,006,000 - 3,904,051 78,473 102,606 104,577 40,172 316,770 4,546,649 1,459,351 6, 006,000 � � � Schedule 4-3 7oial • Q�estioned 7otal Costs $ 6,006,000 $ - 6,006,000 - 3,904,051 78,473 102, 606 104,577 40,172 346,77Q 4, 546,649 1,459,351 6,006,D00 - $ - $ - � ', THE COACHEtLA VAttEY HOUSING COALITION AND A��ILIATES Grant Made By NeighborWorks America 20'I7 Expendable Grant Funds Statement af Revenues and Expenditures For the Periad October �, 2016 through September 3a, 2a17 REVENUE Revenues Toial Revenues EXPENDITL�RES Personnel Supplies �quipmenE Contractual TraveE Space Costs Other Costs TotaE Direct Expenditures 7otal Indirect Expendiiures 7otal'Expendit�res EXCESS OF REV��IUES OVER DCPENDITURES FederaE $ 165,DD0 �s�,00a 119,826 119,826 �45,17�4 165,oaa �fon-Federai Grantee Participation $ - Tota] $ 165,aao 165,QQD 119,826 119,szs 45,174 165,000 $ - $ - � - Schedule 5 Total Questioned Costs $ - � - r � � '� `�. � •- '�� i �� 45 Sched�Ie 5-1 �� , ; �' _ .' � _ r , A THE COACHELL4 VALLEY HOUSING COAL1TlON AND AFF�LIATES Gran� Made By NeighborWorks America . Housing Counseling Stafemen4 of Re�enues and Ex�enditures Forthe Period October 1, 2016 �hrough Se�fember 3D, 2D17 REVENUE Revenues Tota1 Revenues EXPENalTIJRES Personne� Supplies Equipment Contractual 7ravel 5pace Costs Other Costs Total Direct Expenditures Total lndirect Expenditures 7otal Expenditures EXCESS OF REVENUES OVER EXPENDITURES Non-Federal Grantee Federal _ Participation $ 18,921 $ - 18,921 - 11,947 598 793 1,159 Z4,417 4,5Q4 18,921 $ - $ 7oial $ 18,92i 48,921 i 1,947 596 713 'i ,159 14,417 4,504 1 e, 921 � - Total Questioned Cosfs � - $ � - I � THE COACHELLA VALLEY HOUSlNG COALITION AND AFFILIATES Grant Made By NaigF�borlNorks Amafica Capita{ Grant Conversion 20'i7 � Statement of Revenues and Expenditures For the Pariod Octobar �, 20� 6 tF�rougF� September 30, 2017 REVENUE Revanues Tota1 Revanues �CP�NDfTURES Personnel Supplies Equipmeni . Contractuaf Travel Space Costs Other Costs Total Direct Expenditures Tota! Indirect ��enditures Total E�enditures EXCESS OF REVENUES OVER EXPE1JDfTURES Federal $ 384,216 384,296 1 DD,000 64,216 22D,Od0 3&4,216 384,216 $ - , $ Total $ 384,216 384,216 1 DD,000 64,216 22D,000 3&4,216 384,2'I6 $ - Schedule 5-2 7otal Questioned Costs $ - $ - � � �� �, �� � -� . _'� Nor��ederal Grantee Participation $ - 47 Schedule 5-3 � �. , � , �.' � � , . �: � i l, ^y// THE COACHELLA VALLEY HOUSING COALITION AND AFFIL[ATES Grant Made By NeighborWorks America Capital Gra�t 2017 - Expendable Statement of Revenues and Expenditures For the Period October 1, 2016 through September 30, 2017 RE1/�NUE Revenues Tota1 Revenues F�CPENDffURES Personnef Supplies Equipment ContractuaE Travel SPace Costs Other Cosfs Total Direct F�enditures Total Indirect E�endiFures Total E�enditures EXCESS OF REVENUES OVER E7CPENpffURES Nor�Federal Grantee Federaf Participation $ 213,333 $ - 213,333 - 45,210 168,123 213,333 213, 333 $ $ �otai $ 213,333 213, 333 45,210 � 68,123 213,333 213,333 � - Totaf Questioned Costs $ - $ - 48 Schedule 5� THE COACHEL�A VALLEY HOUSING COALETION AND AFFILIATES Grant Made By NeighborWorks America Technical Assistance Stafernenf of Re�en�es and Expenclifures �or the Period October 1, 2016 thro�gh Septernber 30, 2017 REVENUE Re�enues Total Re�enues EXPENDITURES Personnel Supplies Equipment Cantractual Tra�el Space Costs Other Costs Tota[ Direct Expenditures Totaf lndirect Expenditures Total Expend�tures EXCESS O� REVE�VUES OVER EXPENDITURES Non-Federal Grantee Federal Participation $ 8,974 $ - 8, 974 - 8,233 - 741 - 8,974 - 8,974 - $ - $ - Total Ques6aned Total Cosis � $' 8,974 $ - 8,974 - ` 8,233 - 74� - 8,974 - $,974 - $ - $ - � "� �. � � �� '- �, 49 Schedule 6 ��' � THE COACHELLA VALLEY HOUSING COALITION `-__ r AND AFFILIATES � Consalidated Schedu�e af Functional Expenses Year Ended September 30, 2097 f ��/ ' �? ;�Y YI SalafiCs Fringe BenefiLs TnhalSalades 6 Benefi+s Conlrac4ial Svpplies Tnvet Commun3ratinns I�aiohnanri and Optrating $pare LQSis 7nining and Edumtion lnsumnce Reproduction Equipment MaiM 8 Lsasmg Other cosls Gommunay8ervicerPrograms 8 Suppf�es Imemst Expense �IuM�amiypmjeus Single Fam1y LTO Single Famfly Projects Capi�l Expendi4�res Total Flpenses 6afart Valuation AdjusimeM � DCprecietion Oep�ecation Total Expuises V ^d Supporting Single �ev�Wpment 61u1ti Comr�unity Asse! ToGI d Generef Fsimlv SingYFam�7y FamTy Service bynagement Progeam SeNfCrs S 5,702,t12 S 60,a37 S 4f0,265 5 161�87 S 725,081 S 1,979,776 S 439,910 S 9tl,9T3 75.950 17�864 57,31Q Sfi.096 5T9.373 778.444 1.d6G.0&i 85,i77 513,069 2�,591 287,767 2.649A99 SSB.354 54,171 31,Sfi1 , 4�170 348�3$ 19,877 SQ2,262 774,311 711,T2U 5,531 5,715 3,579 1.968 3T.066 26,992 �7.OM 1�,1<2 75,7Td 5,241 8.142 87,y95 15,627 15,09g 4,7E6 5,946 . 3,780 2,551 35,65A 8,775 13,105 3,GG1 8,672 i,T95 9,Si1 30,384 83,401 3.225 i.179 1,797 859 1.Bfi5 1i,265 10,996 55,370 18,904 - �,6Rt 79�11 48,097 24,53� 2,698 449 552 795 756 q,652 2,348 8,191 1�48 6,ti1 Z406 4,477 21,15� 8,534 29,675 4,79i 13,2tfi 6,703 76,756 68,994 706,675 ' ' - Sl,97fi - 84,976 - 10,779 5,009 fi,lt3 i 610 764,9+I1 787,632 77,696 ' ' 1i5,691 . 41,715 797,609 - ' - - • 719,T10 749,T7f1 - 38r`� eB7.59B - - - 99G�OBB - 36.�0 20.090 Aflo�da6le CYHC Housinp Tatal Pralrs4 �419,086 S 1,49i,799 3 7�7.757 434.501 3,166,&13 1,936 303 676,573 g70,131 81,058 80,BOfi 102,3T2 . ' A0,389 59�00 - 7,537,�.17 1S1,7B5 1,444,345 22�67 q,499 1�627 19J,496 6,998 • ' 31,fi68 - 769,870 395,88� 8Y,916 - 7P5,526 13],a7 737,609 �3i,D93) 7�9,T20 - 92fi,QB6 - 20.G00 i!?,eR Cansdidatr� Tota1 3�820,885 1.7ffi 261 5.063.756 1,575,00T 1M,861 1U2,3i1 99,589 1,537,ii7 1,556,13Q 76,760 316,775 6,496 39�668 565,75p 8Z97fi 611,7i5 166,595 ]d9,Tt➢ 5�088 597.87! 1,767,576 7,9W,577 Si�,6?6 77�,617 7N,559 5,067,5TT 1,fl29,789 fi,097,365 7,414,343 13,577,759 - 1,2�3 1,243 27,508 28.751 2,1B0�9A 2219.015 S 1,7W�16 S 1?�,117 S 8i1,52f S 77S,6S7 S 711aS9 S S,06E,B70 S 7,057,2s5 S s,�x8,116 � 9b61,cb7 S t5,780,aW �� THE COACHELLA VALLEY HOU5ING COALITION AND AFFILfATES 5ched�le of Expendifures of Federaf Awards For The Year Ended 5eptember 30, 2017 F'ederal GranYor/Pass-thro�gh Grantor/Proqram Tiile U.S. �eoartment of Aariculture Rurai Self-Help Housing Technical Assistance Rural Rentai Assistance Payments - Desert Gardens Rural Rental Assistance Payments - C.as Casas 1 Rural Rentai Assistance Payments - Las Casas 11 Rural Rental Assistance�payments - Pie de la Cuesta Ruraf Rental Assista�ce payments - Fred Young Labo� Camp Agency or Passthrough nEumber N/A PE/A N/A NIA N/A NIA Federal CF�A Number Farm Labor Housing Loa�s and Grants (Note C) - Rehab Loans Rural Rental Housing Loans (Note C) - Mor�qage Laans Total U.S. Department of Agriculture U.S. Deot. of Housina and Urban Deve�ooment Housing Opportunities for Persons with Aids (Note C) Aass-through from the Local Initiati�es Support Corporation Section 4 Capacity Building for Community De�elopment and Affordable Housing Pass-through from the Lorra[ Initiatives Support Corporafion Section 4 Capacity 8uilding for Community �evelopment and Affordable Housing Pass-through from the Local Initiatives Support Corporation Section 4 Capacity Building for Community Deve]opment and Affordable Housing , Pass-through from the Local Initiati�es Suppart Corporation Sectiors 4 Capacity Building for Commu�ity Deve[opment and Affordable Housing Pass-through from the Lorral fnitiatives Support Corporation 5ection 4 Capacity Building for Community �evelopment and Affordable Housing Aass-through from the County of Riverside Community Deveiopment 81ack Grant Pass-through from the Counry of Riverside Community Deve[opment B1ock Gra�t Tota[ U.S. �epartment of Housing and Urban �e�e[opment i 0.420 10.427 t 6.427 1 p.427 1 p.427 10.427 N/A 10.405 N/A 1Q.415 t�i/A 14.241 41182-p055 14.252 41182-0057 14.252 4i182-0058 14.252 41'I82-0059 14.252 41 � 82-0060 14.252 4.197.'!6 14.2�8 4.'[98.16 14.218 5chedu�e 7 Exnenditures $ 2,022,946 358,32� 132, 649 140, 697 � 62, 033 295,469 1,089,ifi9 406,1 fi5 5,572,44-4 9,090,68$ ,�`� � .� �� ,� � � �� 282,250 � 2a,000 3Q,000 9, 700 15,200 6, 600 81,500 16, 000 8,780 24,780 388,53Q ' ; 1 e ,- �� r-� �� THE COACHELLA VALL�Y HOUSING COALiTION __ AND AFFIL[ATES SchedUle of Expend�tures of Federal Awards For The Year Ended September 30, 20'f 7 �' ' �,' `� Federal Grantor/Pass-through GrantorlProgram Titie U.S. Deoartment of Health and Human Services Pass-through from the Community Aciion Partnership of Riverside Caunty ARRA-Community Services Block Grant 7otal U.S. Departrnent of Health and Human Services Lf.S. Deoartment af Treasury Pass-through from NeighborWo�ics America Expandable Grant PaSs-through from NeighborWorks America Housing Caunseling Grant Pass-through from NeighborWorksAmeriq Capital Granf Canversion Pass-through from NeighborWarks AmeriCa Technical Assistance Grant Totai U.S. OepartmenE of Treasury Tota! Expenditures of Federal Awards Agency or Federal Passfhroagh CFDA Humber Number CAP-i 5-030 93.710 N!A 2�.00D N/A 2�,OD0 N/A 21.D00 H/A 21.000 Sched�Ie 7-1 Expenditures 1,656 '[,656 378,333 78,921 384,276 8,974 790,444 �+ 10,271,318 52 THE COACHELLA VALLEY HOUSING COALITION AND AFFILIATES Schedule of Expenditures of Federal Awards For the Year Ended September 3D, 2D17 Notes To Schedule of Expenditures of Federal Awards NOT� A- Basis of Presentation Schedule 7-2 The accompany�ng Scl�edu�e of �xpenditures of �ede�a[ Awards (the Schedufe) incfudes the federa� grant acti�ity of The Coachella Valley Housing Coalition under programs of the federal go�ernment for the year ended September 3D, 2D16. The information in this schedule is presented in accordance with the requirements of Title 2 U,S. Code of Federal ReQulafrons Part 200, Unifarm Adminisfrafive Requifemenfs, Cost Principles, and Audit 14equirements for Federa! Awards �Uniform Guidance}. Because tl�e Schedule presents onEy a selected portion of the operation of 7he Coachelka Valley Housing Coalition, Inc., it is not intended to and does not present the financiaf positian, cl�anges in net assets, or cash flows of TI�e Coachella Valley Housing Coal�tion. NOT� B- Summary of Siqnificant Accountina Policies (1} Expenditures reporied on tl�e Schedule are reporied on tl�e accrual basis of accounting, Such expendit�res are recognized following the cost princip[es contained in the Uniform Guidance, wherein certain types of expendit�res are not ailowable or are limited as to reimbursement. �2) TI�e Coachella Valfey Housing Coalition, Inc. has elected not to �se tl�e 10 percent de minimis indirect cost rate as alEowed undef the Uniform Guidance. NOTE C- Loans from Federal Aaencies TI�e following is a list of federaf loans the Coalition has outstanding as of September 30, 2017: Federal Aaencv USDA Rural Renta� HQusing Loans Las Casas Apartmen#s Las Casas Apartments PRe de [a Cuesta Apartmenfs Pie de la Cuesta Apartments L.as Casas II Apartments L.as Casas ll Aparhnents Desert Gardens Aparhnenis Fred Young Lahor Center Fred YQung Labor Center �red Young LabQr Center Fred Young Labar Cenfer CFDA 10.415 10.415 1 D.a15 1 D.Q15 10.415 9 0.415 10.415 10.475 10.41 S 1 D.415 'f 0.415 O�tstanding 6alance at September 30, 2017 97,205 31,148 a29,614 143,979 518,4fi5 49,019 2,329,690 371,224 268,286 588,436 745,378 5,572,444 `\ , �� ;--� � y' � 1 � �� 53 ��""' .:=�:;�°:.�FA:: 'f.'T��'4 `,�i.e �.'9 ..,1.'Yr.f,���af,��.. 4:�?:-•:'.." . _y.: '' .F%..^�.• ''y' �.J'Kt _ •-5�3-"s'.�i..i" 'S ,i .K�r � 3�. ._5- � -� , ��:� ;���� M�h.ti?,.. =_✓ �' � �4: r �}' �- b z �k T:x�i v .ix- � a � Y� t � ✓' i.r < �'--' t - `;�C-:: t+i _k. c . `� r - 'u _ '.-, - , Y _ e �+y�,�� ,Ir -t3 �, � ,� � �x F sti a.,'.:' `= � �::r - - � ' � `�� -_` P�.: - �"ti ��;_ L.°� rK s ... 3r.. t r.s�-�.?��. � ,x'� `� '��,P ' az.. �" t ' '1 :� h'� . -?. ;.� �' �` q > � > _ �Y" �`4 L k�. �. :':.. ti �... 1 _, ,, _ _ ; � �} ��• E; � � �sb, i -r - ��� �� s� G-t` � x, t` Y" a r • � �.?�e'.:<�;<M..�.':.i=ffk.�v. ,,.15�`+� '",} �!,-.`•+y,�etir�..�.� €^-%"r-,r- -�u -. 4 � � A� ,, --_ -b 3� c- ;.-�� � �'t�a:'.:"✓ �'::� r.`�`A � 4' - �r �' '�-"'�_ 7.� s',�' � x . ��'`�„� ', %'� aw,�;p» 'J2;' ,� �ss,:,r _ �y �C�n.lS :--` .� �s - ji �'f x „r�'- i..'-iri�"µ.;�, � � ' � t� !6 < 1 - r. , _� i" _ -hti- � - f� y.,,�< f 4S .✓ ' '� *�" �`� • '� h [ �1't, t -,� - �i£' )�"`,� . {_ y_ .,��1'� $\ l�,- �+•'�,.�� � �, � _ _ � L� 3k �- #. , 4 �_ r ,�.h rr z �� � . , Er, s�` �„� , 4, y�4 Z � Yl tsr 4.c �-� i, �`.�.���5,. - �ri s`�' - � 4 y , .! x, w , '� w N,_ � "� , `F'a �' �'n4 '' 4' i ; _- ti.. ..., . x � : � Q.7a_.(u1 � ti.EYlTluO �t 4 "� � �« �{, - � � i F.q.{ � � ",=- - .x,�y � } - �' �..' :.�., � r � �; f t� s - ,� g i, ' _ ;y, � � `"- r F 1 ' ;��. 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THE C4ACHELLA VALLEY H�USING COALITfON �'� �`� AND AFFILIATES, � Co�soCidating Statement of Financial Position September 30, 2017 C�RNEYfASSEi9 �N GisNs AeceMa6k Oe+dcp�erFeet Re�i�e6k tH�es Re�i�ahle -5�vysnr lMeieQ Rarekade - Spoicp OlherRuxivyhEes Re31 Pmperiy Fidd 1v Heale Repatls UepovG 7orhLeupREwrAs%ts HONCIfRRpIT Is4E7S Resuid¢d �A F7oia fL�haMe CAfEl111f4011111 PIOOICS • IAF Real pmPely held for Resale • Lmp Tmn lmg Tem In�smr�-14Hdears� Paime�s Lmg Teim Recri�mbles-LIF �qP�M� PIaR md FiN�PmeiE - Nd TOTAL RDHCURflEHf ASSFTS � TOTALAS5E78 •'.Y [.1A�LfT1ESANGllEflLL'ET9: CLRRE7rt L1A@ILffIE6 Aa�nde Payehla tm�d LlahRilres Gmert W�6ankvgdemi deM Oeposi� Payatle Olherlie6�rtiec l�Pa�ahle Defened Fe�ern�e TOiALC�RHEIR WBILTIES Hoa�ur�ewrwsiunes � r� o�m pekrpdReverxe-LMTe`m N�s TeW Lo�q.i'+m de6e T47ALUA0ILIIIfS COM►CTMEIITO FNo CON7iNGENd65: ?IETA83ET5 lAvshided ienpu�dyreso-ld�a amrene,ey iem;dea TOTFL NEf ASSET9 TOiAL WB1L1T1E5 AN9 NET i455E7S � � 'S � Caac�eW �ayo�e Sprinps Il�a 641es Aveou6 Aletta Ifovc�p faad�W YdkY CoacAeVa Ya9ry f�a0�ln� Ap+�pnntyl� Ho�aiap,6K HWSIOQ�in� Assoeule�,lna FWiainpLyain6� HevsinpCos6tion CPiCk1L1 C�m �oyc�e Spriips Ikm Vlm�cnq 1Gks Aw¢ue Pa+�a de Ca�hedrd Haushq Lu P+1me� IOTILL Afsenme� FP� h�asatm Assodmef Hauain0 Assooaief lae Aoelos Aaaial�� lb�inp 14asosiales f 11,�T,a97 3 - S - S - S - S • S • S - 461i.338 - . , _ - ' ' 7,773,767 - . , _ . _ . - 760.�0 37��1 77AW 78.000 ��000 - . - - ��1 • - tfq�37 . _ 3,�54� . . , , _ , 17,�S�G6< - . , . . ' ' f7�ltB ' ' • - - ' ' m.�ss . . . . - - - ��` �4000 ffi5�11 77Am %$000 205,ff.i7 - ' t0.531.55fi - . . . . - - i24l.4Bfi - ' • - ' ' - 3.7gi� - . . . . _ . _ 6�� - - R49,L7B _ • 3,M.a� �8.375 - S3.9WP71 - . ' • - ' ' 15.Bfi6715 ' ' ' • ' • ' 7AJ651A� - - M9A7fi - 3�053 <9�375 - S 1t�67�,64! S 3LCJ100 $ 996,6{{ S i26,Ri S 76,000 3 S7E,OdG S <9,SY6 S - S 6t+8,1�77 S - f - S - _ - _ - S • S - �W� - - • ' . ' ' asa,,�ae - • - - • - - 3e6So� - ' ' - ' • - Z110r"e9 - • ' _ ' - ' 161� ' ' ' ' • • - 207�17T ' - - ' - ' ' 7,�93013 - • - • • ' ' 76.565L� ' ' ' ' ' ' ' /,512JB9 ' ' ' • ' • ' RID7.711 . .- _ — - . - ' ' �SE0,7`ul ' ' ' ' ' ' ' r�,57a�7e �Aoo �ss,�a 325A� 7enm a�4o� <s,�rs - asz�a . � . - - - - 69sSa - - • . . - - 819�1.865 �.Q70 fi�69/ ]7&.176 78A� 278�086 14�375 - S 1��6i1,c1e f x�oAw i 55s,se1 S au,ns s TdA� b soeAe� S �ea7a S - r •• LIIRRE1tTA55Ef5 �� Grams Re�i�raLle �evebper Faes Rerei+ahle Not� Re�i�atde-Spanmi 6dercsl ReceHatk=Sparcur Olher Re�ivahles Reaf Piopeny Heb iu Resale Papaids, �e�'ts TOTAf.CBRRENTIL55ET5 MOIE�VRRENT0.55ET5 AesLided �� HWes ReceaaMe ComLud'mn h� Pmm�es� • AIF Aeal Property heH for Resale-Inng Seim lnngTeim Im�eslmanls-NRale; Partiasli�s lnngTeim Rec�ivahks-MF Pmperty, Plsm ard Eq�pment-Hel TOiAL N6AtIIRREIIT ASSETS 70iALA55ET5 LU�BILITIESAY� NET ASSETS; CIIRREBT LUIBRIiIES A�u�ds Paya6le , ncc�uea uabSses Cure� pa�tion 6ngae�m deM aeposBsPayaNe Other Lia6Zlies Coar� Pdyahle 6ele�dRe+�enue TOTAL ClIRREYT LIABM]ES MOIf�lfRRENT LlABILTf1�5 lnrgTerm Uebt �efe�rd Revenue -lat Temi Holes �Told Lang-Teim de6! T07AL LIABiIJfIES COM6![fdIFMTS AYG C611T1iGENGES: NEfA55Ef5 U+reslnc�ed iemporanlyiedrided � Peimenen7/ resUided TDTAL lf ET ASSEfS TOTALl1A91LIf1E5AypNECA55EC5 � THE COACHELLA VALLEY HOUSING COALITION AND AFFiLIA7ES Consolidating Statement of.Financial Position (Continued)� September 30, 20�7 u�s AveeQe Cou3e0rYoIIey Cwthdf�Y�lley HtusinpL�e. Cc�chedY�ey f�acMpnYa�ey twehelhY�Oey Cwche]StVs�ey NoaiinQf�litian Naosc�pC�+6tion WeslemAi+erside UunHoucing�ru. HousinpCoaLfoa HaasinpCdWion Housingtmfmon $ausingfaafmoq N�rtisoa Sheet ale�sa Fam�f Xousinp Acsai�es Yill+s HoLLsu�g Yei6au NousinQ Cas�a� del4�ib Huiend� SunxtAfloida5k Artayo Houfinp Asocuiq Hovsins�4sseciates GulPlxa lssofuSes lusoeiates Housinglssxi�tes 8ousinglssaci�tes pux'vles S - S - S - S - 3 - S - 5 - S - - - - • 459,796 P&7,175 511�9fi - %--� � • • - - _ • - • • `< • - - - 4S5,I96 287,f7S 5fl�9fi - S - S •� • S • S 15l,796 S 3i7,R6 t 511,196 S • � - s - s - s - s - s • s - S • S' - S �7 - �59,i56 287,175 - d59,756 2Ai,175 • i L�@,I56 S l97,115 ; -s - 511Z96 - 511�96 - 511�l6 S - •- \ I � �i THE COACHELLA VALLEY HOUSlNG COAL1ilON � � ��, AND AFFILIAiES e r, Consoiidating Statement of Financial Pasition {Continued) September 30, 2017 Cwchell+YaAey CwehelhWAey Ca�dvmYalLy HeusingCaolilion HausbqCaafiFien HeusmqCoaLfiors DeseR�C4hhndiLlL T1�9ueP�que (soleUv�erl I���+l I���S Wuh�yy�y Carh.yy�➢ey T6qv.;..*;�^ 6masdeP�LlL HausNqNa Fie.dYounp CYNCCemmuniy PuehLNoew HoueiqCa�don HousbQCaai@an HovsmpCa�p. YrnNcuso�p.lnc �SokMcm4eQ PhueILLC Ho�aLLC ApWrcnhLLC lapuin�Hdalnp PueaWusu�p �euM1Hqh4rtdi BritudePu hquep�9ue PiedYacgPha.l rn�dwG�Reloh P�IoNuevo luea[t7k5 Auociales Hew�qlutactes Ats�ctila 1WNrcnh�llC !aacirte� Asre�es Aaseei�s cuw��+�us�rs r�, s - s - s • s - s - s • s • s - pe� Rere�a6le - - - . . . - - �e�ebperFeeaReeirdhle - ' - Nole3E�va6r•Spo�am - ' ' ' � � IR�e�4Rere�ahE-Sporisor - - ' " ' � _ qherRecei�d6ks • ' - - - ' ' Aral PmPdH HeJd Wr Resale - - - ' - - ' _ PreAads . - - - - " � _ . �� • - - - - - miALclIaAENT155E15 - - ' " _ . . NOH�IIRRENT155ET5 _ ResMd�dCash • ' ' - - ' - N�eR�irab6 - - - ' ' ' . CAM1SIR��IIIPI001�-YiIF ' • • ' " ' " ' RmlfloPerHl�IdfvR6afe-lwgTr+m - - - - - - - _ tuyTamlmstme�-J�aks,Pa+t�r� tA7� :19.@ 1ASAs 57B,sA - 1A�.788 : 10 � � lmgTeimRra�va6ks-1� - - • • . . . . �� Pmpeny�PlartatlEqupmeN-Nel ' - - . . . SDTALNONCl1RNENTILSSE'IS 79i9� 119,dG! 1�57�36 S19�T! • lA�,� . to T6TAL155Ef5 S 49Ty37 S ��� : �A�6 S 6i9�7S S • S 7,099,T88 S • S �0 W1811J[1R FN� NET ASSEfS: CIIRREHTUABILmFS apmu� PayaCk 3 • S - S Aw�ed Lia4ileks - ' Gmertpir�npr�-IeimdeM - ' ��� �� • ' MerL'a4�es - ' lm�a Paya6ie • ' Aefrmd Re�eme • - SDTALC�RRENTLIABIL]II@S ' ' NDNCI7AFlETlT WlBN[16 LugTdm�e16 - • Oelered Rewue-In�dTeimNo�o - ' Te1�iLortpdnmde6t • ' TOFALWBIL111R ' ' COElMR1�N15 AN� C6HTINGEIICIES: NET tiSSETS Um.�ddeA 197A� ti9,4Q iemporadyrestrided - " Pemaivdlyratri�ed - ' TOTALHE[ASSETS 797$JO 7�.� TOTALLIABiLI11E5►HONEi135ET5 S m}�o s ��,� s �/ A �� � - 3 - S - S • E - 3 • 1,�,7� 579�A 1As� �AT� ,as�s s sn,rrs s - 1,999�TBB . fA��18A • S 1p49,788 S � � �� GUAREXTASSETS Gsh Gra� Receira6le DevelopuFees Aeoe}Ja6h Noles Recriva6k-Spucm lnlerest Recaiva6le � Spoma ONerHecertabks � Rrd PrnpertyHeld fd Pesale Piepaids Skpus�s Torkcuw�exrustzs NOHlIlRFEHfhSSE15 Aes4ictedCa� 1ldes RrriraSle Camndim A Progiea • IIF Aeal Rop¢rty hsk! fuRcmle -Lwy 7em� Lwy Teim lirvr�mz�4 •AP,�qks. Pa�h�e+',� Lwy Temi Heceira6W -lIF PmPeeY, Plan ard Fquipmurt • Ne� TOTAL xON�11RREHT 1L:SETS TOTALlSSEfS LIA61Lf11ES AF70 HEf ASSETS: CIINAENT LIABILRiES Aeoo Ws Payahle Amued liah3fie �i� paion 1�qaz�m deM �epos� Payahk Gk.rL'a6ififes ���n� �ekiredRe�rlua TC17AL CIIRREH7 CIIBRf TIES HON�lIRHEHT LIFBILf11E5 lnnQTmn �ehl �efered Reuen� -lmdTem� N7� To�1 LnnpTnm dehl TOTALLIA6Rl�ES C6Mi�fIdEHTS ANU COH71NGOlC�S: NEl ASSE75 uMsmaee Temporanlyrtshided RmurcrAfy Rshitled TOTALNETASSETS TpTpL LIABIIlTIE$ ANp NET ASSE75 THE COACHELLA VALLEY HOUSING COALITION AND AFFILIATES Consolidating Statement of Financial Position (Continued) September 30, 20i7 �.��� � c�na�v�r Houaorp CbaWon lhneed P�u (6aIelWrte] I.��TedPuhiv l.un�dPai4�er Ccarhe9a LJmiledPuSier Pnri�Fmn� fcaJiell�V�llry Corhlv Cusslhlnc LinihdPaNr� lim@edP�Mv TLiquq�queHousmp,4n LI�Aiava Apahnrstsll.0 HousApCa�Sron, tnssl4l� LL7esAuenue 'Ilaqucp�queHousingCoiµ Couehellahs�sIl€,Ina (So�AlemEtQ Housmp[oe. Pe�Famflr CorJelhCss�uW Mnx�Heuseg liousinp CoyefeSpnngs PasmhLesPoeW Tl�quepa�vt Ca9+edrdHwsng �Paffi�hh�. �YOC�71l3 I�t�Cult3 flsbtialvS iIp316neM1llASSOCi71W illSOCIaYW 1�piAmedILS,U.0 AuCC1a�i5 - S 2E2,3fii S S9y210 S /4T99 f 24fi,713 S Td,2A S iAB.9i3 f 176�96 • 1,14E 5,1� 1,191 12867 9,107 2,681 6y65 - 13,7f0 SJL10 11,5ii �,5A5 9,128 20575 Bsi$ • �,7¢i 57.76i 72,116 fiL,B� 41,17! IOa9{ 9.7r2 - ��IIS 1NSi5 7fi.4N 9�,OIS 95�ABP 21;703 7D$8t8 , - 715�.9 7➢1�12 2�fi,fi9 W1,5p�F 149,8A9 71�711 1�,710 ' - - • 3�C5i51 . ' ' t,s1s - - . aos�st - - - - 867.1� iZ70$96 196� �,TS5�9 Sp5B,7lT 9�717.712 1.4718(0 1A7fi 1XI7,7M i,47Z10B tAU,97 fi,'W!'$� 9,2�,fi3G 3177AZ3 t�'77�0 '; / �� t8f5 S 1,31l,669 S t,6li,]Td ! 1,170,461 S 6,41;6N � t,7b1,5[6 S 3,/83.tI6 S �A�76B � f: . _ 6,174 f 1�fi ��' 707�] A773 S57.T19 7,892.Sa9 � � 2,37� 1 7,P1S N,59� as,iio 733 t43X.ii 2,725,471 7�2i,I11 2�i1,701 7,315 S 907 12,M1 ix+,ssa 579 79A,� i,aizav ,,mza� 1,15F,3?3 ,a�s n,sss+� �•�+s� s�,�i 1p16 f1',�25,�9j (b10,i11S G�,PS2) 1A�s ! 7,Sfl,6� S 1b5r}n S f,t30,IG1 7 S razee i 51,346 ffi,663 m,mj 27 9� 28Z2[6 s,wr�s+ e,�or,�s� 8,669,�T7 t,eea s 661 � 9}51 z.�5zr 155 253,8� r�,im r�,is� B9T,996 4s76 s �a�s 35� I0�1 � �+Rf 3,797,8� �� 3S76�i z� t?55 9676 tsa� 3bli 24yTt 7,7y� lii s,r�5,� 1,Jfi,Rt R���1 a��sm r�n +a++ (7.176,&59} 37f$31 [ffi� 49H fi,H7,674 S 1,AW,516 S 9,163,576 S 1.7I5,7� � �\ 0. i �� 59 THE COACHELIA VALLEY HOUSING COALITION �� �-`�f AND AFFILIATES � , Consofidating Statement of FinanciaE Position (Continued} September 30, 20i7 Cl1RRENT a5SET5 Cash Grems ReceivablE Deueloper Fees Receiva6le Nates ReceNable - Sponsor Interesl Recehrahle - Sponsor OiherRece'rvaSSes Real Pmpe�ty Held ior Resale PrepaEds DeposiLs T6TALCURRENTASSETS NQN�UiiRENT ASSETS Reztrieled Cash Notes Reeenrable Constn�dian in Progress - MF Real Proper�r held for Resale - Long Te�m Lang Teim Investments-�Aates, ParNerships __ LongTermReceivabfes-Arr Propedy, Pfant a�d EquipmenL- Het �', ' � T67ALN6N�URREN7ASSETS TOTAL ASSETS LWB0..IilES AN� NEC ASSEiS: CURiiENT LU4BILTilES Arconnts Paya6fe Acuued LiaBiGtieS Curcent poNon bngierm debt Deposits Pays6le Olher Liabilities Lnans Paya6le Deferred Revenue rora� cuaR�r uas�unes NON�CURREN7 LlA81LETIES Long Term DebS Oefered Revenue - LnM Te�n Nates TolalLong-Term deht TOTAL LL4BILRTES C0INMITMENTS J4ND CONTINGENC�ES: NET AS5ET5 Unrestri�ted ' Temporarilyrestricied Permanenllyr 2stricted TDTAL NET ASSETS TOTAL LIASILCf1E5 ANo HET ASSEfS �� � �, i� L3mited PaN�er Coachella Commanity Homes, Inc. Palmeras Nousing Assooidtes S 131,673 5 994 � . nzra 43�83 �sa,ise 601 �45 9,431,939 4�013,?34 S �,2s1,�ee S S 2,560 S i,412 27.174 41,780 93,7g4 s�oz �ss,asz 1,724,64Z �,aa.oaz 7,9�5,394 2,337,994 2,337,994 S 4,2]7,388 = Limited Partner Ilfeco Novsing, inc. Lle� FamilyNausinQ i�SS�CliiLS T3,364 5 8,944 . 4,127 16,322 �o�.m 45{,648 t,B6Z�33 2,3�6,301 2,424,478 S 2z93 S 969 3,9T! 15�25 9,3T! 4,693 �� 1,363,218 �.�ss�ia f,399,752 1,024,326 1,U24,3�6 2,4Zt,078 s • � L.imited Partner 5lecca Nousing, Inc. Harrison Strext ASSOGIai@5 d3,953 $ 3,SU9 7,55a 16,A61 »,rr� 369,508 2,�14,189 2,483,697 z,655A7o ; 7A,167 S 652 16,048 30,312 535 75,71q 1,539,428 1,839,d28 5,7�5,142 B4U,328 84�,aza 2,656,470 S LJmiled Partner & A�Ilatxs' Eliminatloas Totaf - S i6,056,868 - 6,044,336 - 1.273,7fit �885,004) - {730,717J - (973.12� 2.433,91& - N,995.684 - ?59.627 - 744,S6B (2,588,844} 38,805,7fii - t4,340.925 [�OQ251j 4,297.4&6 - 3,793,564 {6�56,8�3J 4,417,337 (2B2,259J 33,622,721 - �6,973.543 (6.845,304} 97,115,576 (9,4]4,148� $ 135,927,117 (973,12� (973,327} {2,204�18) (1,2D4,218) (3,1f7,345j S 795,655 459�T1 3,fi27,151. 640,334 2,11D,520 157,eao 244,820 B4O50,558 41,682,351 4,342,099 46,2�4,450 54,275,008 (6,256.8�3j 7Z.2Z7,44] - 8.Sa,782 - 896,504 (6.256,803} 81,&46,329 (9,434,74Bj � t35,921,117 11NR6TRIE7mHEf ASSETS Suppat ReNd hcmib Cnmme�oal:come - I�se�est Irc�ne G2� & L�lrads �e�doPv Fas I.YLtifamTy Rojerl hmme SeH+1dp Piojeds Ircome Gao� on impsimexs- bNJmlee Pauwnlip Ala�agem�o Fe� Olhea Re�erue Nei Asvats Jeased M1om Rey�riGun RestiiCiore �alisfrd hy Rmision R Senta-GraNs Reslnct6n e�isGed ty Pm�ti�n �fienic�lal Greny Tmal Ilncaiaed Re.ene a�d 1k1 Asse�s Released Imm pntiirSims E�e�es Pasoia�e! Cnroaelual Siqpies Tra ] Cnmmu�vslim 6�Me�urce ad Ope�aM1nB 5perp Cmis o¢hv u�s Inve� Ezper�e N�ifmnJyProjrrls Self Help Prqvls Capnal 6yendilvres DeGr�lmn Adminislreti�e Fms-C1MC Lo!a on Inueslmuils-lonBed PaNr�sfiWs TMeI E+y �.s E7fCE55 �pEfIUTjOF REVENIIES OYERfIPEN5E5 LO55 pM pfdOR YEFRGfUX79 NONOPERA7ING REYENIIE.FORGAIFJIESSOF 1A1J1 INCREA9E (GEGRF.A,�E� [N IlNRESTAICTED NET 7SSET5 7ENPORFIELY RESiHICTEO HiT ASSEfS Federel, SIe1�an41aaIC2Ns Net Ass¢� re6eeed-piseie�n6aed-GraAs I�t kssels 2leaced . Fanxd Cav� ]kCREASE�DECIiFASEjIN7ENPaRhRILY RESTpC7EC kE715SEfS pERYAHBIITLY RESTR1CfE6 NET �SSETS ConlntNiva Rekase from Rry�qo�,aHs INCREASE(�ECRFASE�]N PERWIµENTLY RFSTRICTEG NET ASSEfS INCRFa9E (OCiqEJ�SE] kN NEf �196E[5 kETlSSETSAT8EG1N711tla OFYE�R Adjustinenl W Hd Asset FquhyTnnden I f�ntrihutien� Priar Period Fdjurnenls NET 1LSSE[5 AT EN60f PEkW D THE COACHELLA VALLEY HOUSING COALITION AND AFFILIATES Consolidating Stateme�t of Activities For the Year Ended September 30, 2017 Yiles Arenue Flecca Cnaehell� f�yol.Sprinps 14cca ]businp;hs. Heusin�,l�, �Cad��aVapey CaachrAaY�iey C�sacQ4lnc Ap�Men6,lna HeusinqLr 6GIaAyenue paseode HousinpCafiEim jlou�mpCaaSmua r+^�—^, hsa m tnpne Spri+Rs Ilera Nousiny Housinp Loa peens CathedrJd Housinp Las P�4�em TOT�L llssxisles l�p�tiAuuo�ale� Naoriari Assmiate� Auuo�ale� Asseeiele� HeusingAuad+tu S i<m�7 3 - i - S - S - b - f - S - ,na,s • - - - - - - 82191 - 7,313 - - 5�7G0 - ' �17fi$M ' ' ' _ ' ' ' 1�¢l7�70 ' - ' ' - ' ' 510899 ' ' ' ' • ' ' 9lilbi9 ' ' ' ' " ' ' 31P13 - • ' - ' ' - - 2t971 10,900 16,923 Sfi,B73� 15.900 74� �7,790 71.171 - - . _ . 14�5=�7 iL97T 1�`313 18�7] 7fi.927 2G,7CA 74� �i,760 i�fA57 ' ' ' " ' ' " 381215 ' ' ' ' ^ - 71,91q�17 7�BT7 35,313 76�9 16,513 30,700 74� �,750 4�IS7! - ' ' ' ' 1,�4.79s ' ' ' " " 970576 - • ' ' ' i� - . .. ' - 68.631 ' ' ' ' ' T15,41 ' ' ' ' • ea3ri • - - - - 629BI - ' ' ' - Pdc99 - ' . ' ' 797bG9 ' ' ' ' ' 1�Q75.BOB - . _ _ . 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Emned Gr�6 INI`AEASE(OE�.RIEASE� IHTELP6RIIRRY RES7RICfFDIhilSSEiE PER�LINBALY RBTRILTE'� NEi ASSEf3 [aN�@NorR Rdnre hamPa�itl'ra¢�Grarrts INCREI3E��ECREASE�UIPERYAWENILY RE57RI�ipNETJSSE73 v�seSOECAc�sq w p�rusers �r us�s u e�uu�uc oFv� AdjYshnErtWHdAcul Fq� iry Trmdcrs 1 faMnbuti e n' Priu PeriM I�dryslnr� k� A�SEfS AT FNG OF PERI00 THE COACHELLA VALLEY HOl1SING COALITfON AND AFFILIATES f- -��� � Cor�solidating Statement of Acti�ities (Continued) � For the Year Ended September 30, 20�7 e�kn,veo�y r�a�v.�y o��+v,or,� No�oiiq�ilpion� FlotainpLW5Eon Iku�'vpCa.66mi o-,.nwpia�a�u.c n�quep�yuc y�u.eea �s,hu�s.�l Istiu�ml 6rhLV+lq WJrAVyI'ry 71�queP�We B�iaa�d�Pa4LLL Ifo�sLp.ia FRdYoun9 LNICCmunurcry PieNoN�aw IlasirqCaFSoo lbuc'cipce�f8on Wu�qfmR Lrc+Housinp,fne. ry#W�nk� PIu�eILLC HemuLLL ApsmvewLLE 40iu�Hu� Aauallv�omp GerAFf�F4nd� Brise�dePu taquepqm FedYaunppluyl CaWr.7�rteL4 Pue6tr11� Assoei�tes Atmevtr� IfoudnuAcsxi�e �Zrncirks ApuCn�ILC A�wlno lomm 1.*� f _- S - 1 - f • S - 3 - f - S . 25pm 4A00 • 1$JAO 15pf6 12A00 1}jqp 71p00 7�000 11L� • lSA00 1ipo0 121100 12p06 17p00 Yy� 72p06 - 75p00 15A00 i2JA0 11p00 72A00 ' ' ' ' ' ' . _ ,r —,�' . . 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HET,l4:Ett XET /�9..ET8 hPBftiFddAG OF 1FAR 1.d�uM.Mb141Aust EquM TimNus 4 �a43�tterc Prio� Po6d Adju�um NkT ASSET5AT EIO OF PFApO 7HE COACHELLA VALLEY HOUSlNG COAL1T10N AND AFFILCATES Consolidating 5tatement of Acti�ities (Continued) For the Year E�ded 5eptember 30, 2017' Lbxk7.4+Ery 11o�q �fi6on L'ombdPn4m l���l LheEedPub� Lim�dPuCw tdaA� Ik�rt�PaMv r.�ssr�y aoc+��4+6ey m+�ka. c�.,Re� WadM�a.r ��.dr.rimr ny�,qux�,�im wtuxwm. �a.�ue xe�q�.rm., e��tK w.s�ww n�,.w�acda wa.e.c.a�o,� �u..mt xw�o.� a.newg �eoma �wmy x,�a c,�mewry+ ea�e.�w.m roqwp.q�e c.d.�dxe�q kdmw�n. � µmrffia Im�eu +pamonliv¢tr� Aam«m. 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IloluNp,NC. Ylea�wwe Paseode HoYi�nBmaGlcn L��PaLneras CRae�eLaf�sssm LqiomSD�Os N�e�.11unY�g Hou.l�y LoaAc+�» [aemBrdNou�ii9 F6wng laTAi I���1fSsi Aw�l�iteela4a Il�saelaleJ NeoGalka 14��xai�s lwxlilei 14�terai4a G�sH FLOMf FSIDA1 �PEAA7WOACTMIIB 6raeese(Oew�se]Innntessea f f.1B/,T29 S - S T5313 3 (sm� s (!D� S k,BOB S C�1 - fdjusMe� m�emnNle incrcaae innafesu� bnelmeh(usnEln�aperstirgactl�i0ea - - ' ' ' � � oepmcaGon e�ense eBS,TJ - - - ' ' - lmortmtionolprep�idiMercst - ' ' ' ' ' " ' LPss {Gain}on Mei4nen� ' ' R5313) 909 70 (1,808y 7 - Noiwp��engRewnw-LoanFoigiwness • - ' � - B�tldehlE�e�ue - ' ' - �i1a1EA5� TrBfJiFASE1MOPERJ�TINGIiSSE7s C+e� end mntearemi�eNes f��M61 ' ' ' ' ' ' ' oer�a.�Q�s«���an� 3ac,�s* - - ' ' ' " _ ae�er�ecrehlea C�7A�1 ' - ' - ' ' - Le�heWktR5810 ��89.� - � Prepafdcmendilues tt�18 ' - " - ' ' ' 6eposla (18�111 ' ' ' ' ' ' ' Laa� ramha6les ' " - Lon9@�mmksm[ahatles (618.789) - ' ' ' ' ' " IICRFJ�sE(�tj UiOP9Ll7LiGLN9:^'�'. 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HETCJI$Ni��Ui�oPERATIX6ACRJRIES �iBAW - ' ' ' ' " ' �seanws �ouwuvsnrcxcrtrmEs Paymen�lTre�@R m xevi@d ms�K ����7�2 p�ucypds hom navk�tl rcune - Rapal�e�d a Oper. 56oAN Pmceaasandpaymen6niexahisive�eRese�+e C�/�6 Pm�edslTrenshR n Operatlng 6rvings - LaM held b� keasle - lnng Tertn • Imes�mentlnaf�l4ams a-� Capiel lmpm�emm6 - iF P�Sm1 Long 7e� Reei�eh[es - AF �k� Purches[ af��dassea R9�1 Dlsposdanaflmdass�� ' (IET GSH PiL�YI�D BY WV6T1Wi�� �%.m GSH FLOW R10M FNANQNO1�CfMIIEs Printl{al pa}mene omm��yge ���•��� Eemcd inerccE rcse�a (t5p5t� Pmreeda ham lo�g4mtdehl �A� RepeMnen��traM1sm�e}aflangWmdetl-�fuRs I���i Oefeired Re�nue-Lwp7eim Nokc - Neinae�meMoiprior �ear Aalances M�1 Eq�tiyTn�4rs 3•`� HEfCA9HPfd0VmEDFAOYAXAHCIXGACIrymE3 P.l`.r��'R1] �7�y�FiSE��.'RFASEfINfASXFINC,F.4HFpWALEYT" 52�$9B r 9H7NNItlfl4L11NCEOFGSXAN�GLSN�IAJALB118 7�,t32p93 / ' • 1 r E]IpNOB6u11�GL51eAMOUlSHBSLPJl1lB118 f 1��57,p7 f _ _ _ ; . s - 3 - f - � 66 THE COACHELLA VALLEY HOUSING COAL1T10N AND AFFILIATES r� � Conso�idating Statement of Cash Flows (Continued) � For the Year Ended September 30, 2017 Yika Awm� CmehelaValey fa.cLceaYa�ey Ikvs9qhK CeachefaYafeY fmdelhYal6Y maeFs.Y�Va�ey tmcse�+Ya0e1' IlwninOCeabion Hoasiv�lCanYien Wessemltlxnide YacwH�am9Y� xouslnyCa.Gtim xouabgG+yfan Xcuau�9Cea@ion XousbqCanld'v� Hnrommvl IieeeaPom3y I�auiiqAscmSalec Vieaslk�usiq Yer6enallau�iq G�W�delVsm Web�da5nrsrllufudahle Armyelms9q Asaoeiata IiursuqAssoeiales fsdA�ee Asax6tea Arsoclaes xousinu�sa��+�a Mous'mqAssacialu A�soe�ies plRHRAW FAOUOPFAA7ING�C[Mflg hr.easef�ue.aelbro�aeae�e ' - - ' (531 C�I l79'I ' Adjuaonenu e remrcih inerme In Maise�c IowleaehlNed'm7oPe�eN�➢ed�iliea - • ' ' ' ' ' ' oeprecauone�e�e . � _ _ _ . _ _ Anatl�lunofOrepaiQiMun[ ' ' ' ' ' ' ' " LosclGainlonknesoneNs _ ' ' ' S5 33 3B - Nonopera6rpNnenue-LoanForpherra� ' ' ' ' ' ' ' ' Bad0e6iEperne . _ _ � _ _ _ _ pNCREAS� O�AEASEIN OAH7Al111GAS5EIS Gre�andooMatlsecena6les _ _ _ _ _ . . . o�ioP��ti�«��eb _ _ _ . _ _ _ . 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(sdex�emt� a�u�e�ue rkmeeuc Ap�m�mue Le6drilalb�hg PasevllousOg 4�atff�iardv �isaadrPae 7b9�wP� k¢dYo-m9P�se1 tdcFeRoW¢haL RetbMt+o lasoctalea As+ma�a }Iweiina/4wria9a Lo.�cialrs l+mrumra.�.LLC Assxlake Aasaclalee Asxocu4a f�sHROW RdOMOP87A79JGACT�LS Inaea�e[�a�ase)inndassata fI791 p�l S�1 p31 - �to0) (3t) �t2) pe)ushne�f fo iarondle inpeasein �tesse[s bnaipsh(useain)opere4rtgec9.itiee _ . _ _ . _ _ _ DepleCiahan el¢ense - _ _ _ _ . _ _ _ /y}�o�4on01Pf2p8EGI11�fe5[ _ . _ � _ _ . Los�iC�inJonNYestne� 276 70 57 73 - �pp g� �Z Nonopeie4ngRe�enue-LoanFaphenecs - _ _ . _ , _ _ Bsa�eMF�eree ' ' ' ' ' " ' ' (��yt54 u=tsececcSN OPH24TWGASETS o-+� anG miNetirca.rebles . _ _ _ . _ _ . Dese]aperfeesrew+�6fe . _ _ _ _ _ _ Uherre�i+eMes _ _ _ _ _ , _ _ LenanddlorRcaVe _ _ _ . _ . . _ Repaid �eMwree ' ' ' ' ' • ' ' ' �epoel� ' ' ' ' ' ' ' ' �,pansremFe6les - ' ' ' ' ' ' ' Long ta+m no@s rets'rva6les ' ' ' ' ' ' ' ' N�1lSE(�BCFE4SEa PICPFAkT61C3� uon mc #munh pepb�a � �. 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Ocveloper�ec irahahle C�r�Nabks . Leldlefd kr ruele Re�id e¢e�unn . ��� lc�mnniwhla Loro)twmmW receintln INCRFl,SE (pECRE�,E}IN OPERATIHD LUBWIIE9 A�Inb Payahle �wde�,�ea,�. &arly de� PaYeb6 OAuE�h7lies Iavu peyahEe �� ��� NEf G4SH (115m � oPFR17W0 A[7M71E5 CRSH FLGYPS FROY Pi4E57W0AcihlfRE9 PayneimlTrudeR b �ec0iisdrtserve Roreeds trom rcuA�ed naerve- Re�la�nd6 (�er. Ftoxeas a�d 7rpen6la Tar d Wuara p�en. NoreeA�Rrersfera b Open4ng 6nv�ps lab kH Wr ReesL.lug hmi �NtSIlllcnl In �0leles Capia� I�p�nn�.MF larg Tem� Reminhle-NF pu�ase al A+M nse6 Ois�ei[unol Iked ¢ue�s NETGASFfPR0V1�7J BYIXYESTING ACIMfIES cuK ruw�rsov Flwarn�a umrt�s rrtnaad aar��m ��q+ye Eemed tikreY reserve Poxed� Com 6ng lomdehl fkpeymnH (trmlen) ol6iq �ermdeM-AfiA tea �lened flnemie -lmg T�N�a Fe��le�rck uf P+�' Y� Eihn[a EquiryTranYeR METCFSH PR641GE➢ FHOIt FINANGNG ACfIVmEs NETINCREASE¢Y9-HEASE�W f15HF�10G5N6CLNFI.FN15 aEGNWNG 8l�LWCE OF CASFI ANO fiSHECUNi{,png EIAiNfiBiIAMCEGSH �M�GLSHEdRYALEMTS TH� COACHE�LA VALLEY HOUSiNG COAL1T10N AND AFFILfATES Consoli�ating Statement of Cash Flows (Continue�) For the Year Ended September 30, 2017 fa�drLa Va�y Fknilq Cealition �Sd.Wnmer� LhMWPs6�er liniMdPanrrt lla4AYwea Lhn3edP�tm Rm�ismly CewledYa�y Loads9a toshE� C�hedPa�bw L4nMedYan� 7lquepaqueF6u�6y,NC YO�sA�enuc Ap.n�,e,uc Hmoqm:u6n f�...w.�nc w�.�qca n,q�e.p.qkw�.4�pw,p. m�d.n.c.u:���c ls��euemnn� 11��hqk Pmi� Fan�y Ca.de'.4Casa� 0 Nara Housuq YAerAwou m�ele SryLge Asaeo de Ln Peebs ilqoepaqu f�emal wmiip Fp•NnunaLP. Atred.4a Au¢Wn Ho�rsl�•••�� AwNnentsAasedvin A�:odalu 1WrineiE��LLC i....ya. f�l �ub.�e61 l�Rml IUS1�i (i�e,17s1 (av,1751 l�a1n 4�A�51 - 1117� B.HS �1.665 901,T75 7<,766 727,772 109�tl - 7M S75 - 7.74` 90B 7LI 79 - • - - ' ' ' • +A+9 n�l +6�� �.us (s.my � a,ry • c+� a�� nas� r+� r�vn c+a� n•a - na�l ,se r�r u,s,sy • m9i lffii • fa+q f.ao f,n4 0.ie� mm � - �w xet im� . �ta f+�9 - [3W �471 165 1,579 . �� ' �Hp6ti (17R4�1 1&/ ' ' (41i.Uf _ � � � ��� R.++n _ � ca�al c�ai �,�ze�% QTm ' fy15 ' ' ' f�3al ' ' 10�01 . ' �•�1 Ra�i 1,i5S - ��u e�i t�css [,�.�1 " ' ' ' Ig�TI • 4.678 fd�f16 . - fi1�5� - R� b,H6 - - P�n s,� ,aA� • rtseae ie�Sn ssav f - 1 7c7ya i tu��o 7 �E,7lo 1 69 73b7] A �I71,7W� ��� P�AaI f��� 1]�159 �--� � � 7� � � � . \ �i � �� R�]aa} (�d7N {e<.tos� . � CS„Aul . 66.69 (5�617j 25TBI! " pm,+� R6e�Y Pa,�sTi ubtx 917.1T] 98,E6$ 15B,76fi 7p�e, /� � t 2�,77] i T5,177 S fae,713 S tTeal9 i --- .__.._,. . _'— ' •t�J ,ri n+,���1 az� (Ibe�l NS�1 �S fi17J THE COACHELLA VALLEY HDUSING COAL1TlON �-p� �, AND AFFILIATES , � �� Consolidating Stafement of Cash Flows (Continued) For the Year Ended 5eptember 30, 2D17 L"eni[ed Paro�r �- ,. �� . i� Arnord�tion af prepaid inrcest Sp5 jpZ Gaathclla Cemnunefy LonRed Paitrur LimiteO PaMer Homes, Ir�c, Mxta Flo�esing, Ine, ' Mecw Housing,lnc, Limned Path�er Las P��ras Ffousing Mecca Famly Housug Martison 5lreet 6 Afl7iat� Ascociama Ascociates Associa�es Eliminatio� 7ota1 CASH FLOW FROM OPEWl71NG ACT1NTiES Inwease (Oenease} in nel aeeels 09,771 a r (ez�9+) (s+,sso� ¢E,317) �z,ere) AEj�s4nen4 [o �econu7e lnnease En nef asseti ro net rash (used in) operating a�r�Gec _ . _ , _ �epreciaGan e�pense 773,US6 737�55 51,089 . 2�18,7t5 Lvss (Geiny on imestmenm Ho�npereting Rev�ue-LoanForgheoess Bad DeL1 Erpe�se (IHCREASE) UECREASE IN OPER0.T]NG ASSETS Grents and cbiMect receivables Devdoperlees receHatde OSherreceiva6les Land held for resale Repeid e�pendgrres , o�o�� Laarrs receira6Ses Lon9 �� notes rcceMedes INCREASE �pECAEASEj IT! OPERAT[NG LIABILITl6 Accoun� peyeble Aco�cd emendi6�res Securlry depusin peyehle 09�er I'ia6flifies Lae� payalNe 6eferted Rbvmue NtT GASH (USFD INJ OPERA71N0 ACTlVIT1E5 CASH FLOYYS FFjOM IHVE"a17NG ACTMTIES Paymen�alTrerrslere ta resvicted rese�ve Procee0a Gam restr3cied reserve -kepalrxmml 6 Oper. aroceeds end Paymems to Tat d Irrs�rence Reserve PsaceedstTrercsFeB N Operedng Savinps Lend held for Resie - Long Term imes�ementln alflfates CapM1al lmprovements - ASF L�g Trrm ReceNa6les - MF Pu�tse of fixed esse2s �SspasitiaM1 of Tved asse� HET GASN PRONDEU SYINVESiIN6 ACTNlfIE$ CASH FLAW FpG61 FINAl3G�N6 ACTYVRIES Pnncipal peymeMs on mortgage Eame7lnleRsireseNe Proceede homlong rerm de6t Repaymen4 (tremfers) of loRgtesm debt-PfiGetra DeknM Rerenue • Long THm Notes ReFnsptem'nt oTptlaYear balances Ep�iy 7rensfen NET GASX PAOYI�EO FROM FINAHCIN6 AGi1VR1E5 NET INGREP,SE (UECREASE) I[e GASH AN� CA+H EGlfl1lALENT^ BEGINNIN� BALANCE OF CASH AHU CASIi EquNALEHTS E(fO1NG 6AlAHCE C0.SH AND CASH EOH71/ALEHfS S 4,955 [769) nxrol {541) 3I3 80{ 72.791 1,T]i 21,925 {77,868} R.ia77 �0�9�� Q�.<�) a+.+a.� (a.54f) 1`r�2t7 Tj7,677 i �O (E,944) I9.1��} (16,322) 2�95 964 15�25 8�75 4,593 37�17 {N8,1 B&} {a,eso� �1,&64.39Z) (2,318,44a) {2,�f3j 1,371,7�7 965.373 2,351,707 73A81 73,491 S �3 809) p,sso) (76,46i) ss.no 652 �s o�e 30,St2 535 14�95 {36�,450} (5,058) ¢,74A,1�S} (2,483,697) 7,439,128 8a3,927 2,461,355 43,953 /3y53 S _` - 3,7i5 - QB,31tJ 28,3i7 28,311 ' �%5�18] - 336.994 ' i257.763J - 4,783,2i6 - �tz400� - {56,084) - [6l9.7Q97 - �os.s2s - 13,OS7 ' - 28.784 - @fi2.995) - 167,900 - 44�54 - 2,275�47 - Q23,695) - �73,407 - [26,{31 j - 2 702 - (T68,52s� - 508,606 ' (3.967 667) - (1,575,398) - (861,712) - (t5,65t} - 3,596,947 - (Y200,004j - {485�62) - 1,629.300 - 2,953,476 - 503,679 - 15,553�89 • 76,056,968 ,�ti � REPORT T(J MANAGEMENT �-�, , .� ,--� � 7� � � ;.. . .;s<��:... � � - :r 3oarcf�.o� Dir� clael]a;Valle ilifornis : � .:� .... �� .. . . � i:7 -'' � � �i:+h; � � - - �.,.,.. < - ,E::z'. 'S::".':,:'a:,::.t _ /�� . , " „F- 1.�. . ��`^' ` 4 4 � �. . r.•3 i�-a�Ctf}iliitlII[ ' • ' _ - - , . , .. . ,.. . _ . i . , ' z � - ', , -- : - - - -3- - �' � `� - -- - - , „�l �y. 1� . *� �� 4��� � .71�'. j� V ll ��J�,[3.+� !✓��7AG.Lki'f �Q�+� l��� J.�� r����� F ! �� �( �s� i'� ���)V� �� F �" }[5i%� � i�: t — .i" ... - _ _ _ .. . . . - ' FS��� .. .. �, . � -._ ._ . :... .x .. ,. ,:.. � . 1: : • . ._ .. ..:. . . •. ...:a '4. ; < .� .. . ., .. . .. . �� , � _ �ENT°AUDITOR'S. REPOfZT ON� INTERNAL �CONTR�L OVER -�'� ,.,. . .. . .. < ... . . - .: �ORTI.NG,AND.ON COMPLlANCE AND::OTHER:MATTERS.BASED._ - . :° �,, ._�; ' �:QF �INANCIAL S�ATEMENTS.PERFORIVIED<1N ACCORDANCE � --� � � _ � '� WITH� GOVERNMENT AUDITlNG STANDA�RDS.:•: : . � - . � . _ . .. . �' _ - :tors-« � . - _ ��.. .. = - _r, < . . . ... : .. - Ho�sing Coslition�; Inc, . _ .'�. `� � � =- � � � � � � � � ..�, _,�: ._., „ accordar�ce-wiih��the` auditing stanciarcis generally.; acceptecl�'in. fhe United _ �- ic1 the. standardslapplicable-=to� fnancia!~ audits confain�d in Goveriamerrt. .. �'. : -_ .:. ;,.... .. - . ... . . . ;su_'ed tiy:.fhe,_Cornptroller:General� of tH'e United:States, the consol�datetl ��� T-_. •: if,.The;:Coache[Ea'Valley"Housing Coalition,� Inc. (a ��on�iro�t organization) . . oi�izprise`:�hs�_consolidated"staterrients of financia[ '�osition as of Septei�riber - ::- . - :- • � _ ,. �ted::consolidated•s#atements of acti�ities.and,;cash fl.ovvs for tF�e.year.:..then � . ��� . .-•� .-.m . , ,� . : � :.- � �. �-notes io the`�cansolidafed financial stafemen�s, and �iave issued�dur repart , iy �, 2038. We cortducf�d our audit'in accordance with auditing:standards _ . . .: _ .. .. :- � .. r;ihe Unitedm5tates of°America anci the s�andards.,applicable..to fi�ancial - �overr�ment�Audrfrng.Standan�s`isstted Eiy ttie,�omptrollei'�General of �fie ,- - �� �irianciaj;�statemen�s-of ti�e aff�fiates, were not'�audited in� accordance: v,iith' - Sfandards:and'acco�c�iriglythis:report does rtot include reporting or� iriterna! __ - �`�epo�#�ng or� instar�ces af reportable noncornplianCe�,associatec� w�th ihe F , �- . f ,!- ' ' `?.., .1� � .E'� iai =Re� `ortin� � .. . : . - - ��Fi�riaric .P. ..9."` <,�" - :�: � - ::r � _ . _ - _ - - iidated financial statemerits:°;we'�c.onsidered�TFie;::.'�� - - �mirig our �aud'it'of tFie: coriso ,.., . sing Coal�fian,=lnc's�iriternal confro! cs�erfinancial repa"rting'�internal controi)�, ,� < < . . ... . : _- . _, . ... _ . . . ., : . ... . . �t:;procetlures�#hat� a�'e_ app�opriate in tF�e. circumstances for`the purpose`�of ', '� �i� on :the �-consolidafed � finaricia] statements; . but not ,for;�t�ie pu�pase,:of.;�.�"" . r� on t1ie��effecti►ieness of; The Coachella VaEley Housing�,Coalitron, tnc:':s_ ``�=�,� rdingly,�we do��not'ex��ess an opinion on`:the effectt�eness of The Coachella T � ion, Ir�c:'s inteTnal controL� , � , ' • "� , .:;.. - . � ... � � • ,- �-� .; ,; <,�„_ _, , : . _ �:,. a[}cvntrol �exists wheri �the`'design; or operatEon• of �a;control does.,rio.t.aflow ' . . ,._ _: �. :: .: . . ,, ,. : .. iloyees,��n,.the°:normal:_course,�of�,perform�ng��theif;�assigned� functions,' t�` � _,. �d cor�eet, �misstatements'�"on a -�imely basis: "A rriaferial"`weakness �s a , � ',.:.: - . T. � .� , a __ _ __, f _ _ _ _ �i�at[ori` of:defcienc�es;:fiintemal. confro[, suc}i that tf�ere is.a� reas�nable : ;raal�'iYiisstatement�of�fhe�ent�ty's�fnanc�alkstatemehts-will not.b�„preve�i�ed;:;-�„'�;:�.;:.;'- � rected an a timely,;basis.'�'�A srgnifrcarif;;defrciency�-is a deficier�cy,, or a,� � �nci�s„in internal control�that is less seve�e�tlian a materiat weakraess ,yet , {_ � nerit atientiori:iiy_,those cfiarged w"i�h-gove�nance'. , ,, � ; ; ;, , : ;� . .:. .' ; : , � ' : f ' iiiternal cbnfroi was..for the.l�m�ted, p�irpose desaribed �in the f rst paragrapfi ; °= ' )-.xu f• 3 , as not desigraed to� idenfify a11 deficiericies iri� internal;:coritrol _fha� mrghf be ,- -�orsig�if�canf.defciericies "�Gi�en-.tli��se'limita#iohs;�c[u�mgour,audit�wetl�d' F = :� : _ - . . . s�encles� in� iriferRal�confrol..t}iat.we•.consider�to be material Weakriesses= F _ �" '�:. :' - ��been identifecl:� `,`.s�,..`.,, .akr�esse`s may;ezist.tliat;�ia�e.not . „ "�,� � �. : , -• , z�� , _ : � - .'..iisF�-�,� . � - ' 4�r-,�,��� tr c �� 'i'� 3 � � � . i' � . � _ ��l�ii �ii.����� Ql_ � k i E- - _� - : -tr r . t % - -�' C� Aui)1AC k1ECOttAi3�F5-� � ' s't ,X k � �1 � ��i '�- }2 5 i ay�E 4�N� ;� � � ,. . . . • . - �5��'� . ..� �•?�« � � - � _ • } �'�k , ., y.x..; , x . . .z .z � - . . . . .. .. _. . � ... ... . . . .. .. . .. . .. : . . . . - _ . . .. . .... . .. ,.. ...... . •: � ,: :-�- ., .. _ , • . .. . . ,:... . . .... ... � ... . ,.. .. ... . ... ....:... .. .-. . � . . ... . ....� ,...,.. .. . .. ._ .. ..................,......,..... ..... .. _ ..... , ... , . , ,....,. .. .... � ,. .... .. , ., �� ; ... . . ... ,...; .; . _ . _ . : .. . . - - � _ . . .- . ' .. ,_ . - . - • ' , , - _ ,, . ; - '£.-° :_,:� � .. , . . _ - ���:..;:` ::,, : - :;i� ... , ..... . . . .:.:.. ::. : : . :. .. . • _. . ,• : ;, •:;<Compliarice�and Oiher: Maiters_�: z � ;-'� .. _ : . ..,,. . . .. ..,.. „ ... .. . . .. .: . . :.� .. _ ._ , . . .. . .. . .. ... . . �_.. _ . . :�. , � -�. . • 'z:; - �, ..� :.:.._ ,. .. ._ ... . ...... ... . . . .. ...� . . , . . .. , ,,. ., , .... . . . . .. . ... .... .. . _ .. : :: ._ . . ..... . .. .. .. ... .... .. . . .. . _., • °.`:` : :`;; ,�As='` art .of...obt��nf�i ` r�asor�a�le• assiiratica;: about °_whetner;:. ., .�: .:. ...��. � � ..��. � . � ,: _ � P,. .. . . . . , . 9:... . . . . The. Cc�ach�ila Vall�y ,Housing " `��' : :� , . .;. ... . . . ... .. . . _ _ _, .. .. .. . . _ . .� � ,� ;� ;.. Coal�tia�;;: lna:'s.'.:cor�soiida�ed::.financiat:.�statemen�s:'�re free fram �,mat�rial. misstatemer�k,; �re • .., ..::..,.. .. . .. . ... .. ... .. . ....., . . __ .. : . ._._. ._ ... . .. ......... ,. _ , :. ... .. ,.:. ...:. ::�. ...._... ,. .,.. �: �. ,.. ..� . . - . •:�;:;': ';' pe�foiin::tests af �its.com liance with�.cer'tain � rovisio'ns:.o�� iaws t�e �'ulatiion's : can�ract`s . �nd. rar�t=: ::- . . .. . ...,. " - . . . ~ P.. P, . .9 �. �... 9,_. _ .. , - . r ... •: ,��,;:•.: .. ..... . . .. .. ..: . _ ... : . .. _ . ... . . . . .. ..., .. . ._ . _ . � . -� .. �.-- .. � , -., • nce_, :witH� •i►uhich `coutd.:'have a dire�t;�'and`>;:rr�at�ria!°: �effec�� an :��e:.::.::. - , . .agreements ;noncornplEa... ,. .: • :- .....,. ... . ;. . . ... . . :. . _. � : ... .;, , :, , . . .... . . . , . • .�: � determina�ion�af finar�cia(�statemen# amounts �H4wever, prvvidmg an'�opinion on c:ampGance wifh.:�>> `�� � . - : . ..: ,: ., . . . . : : . . � . . .. . . . -:: ., .. . . . . _. . , , . . .. .. .. . .. . .. . . ._ . . . �.:. : those�pr�vtsions was not an:objectEve af:nur_audit,;and�accord�ttgly; ;we:;do;snot expr�ss:su�i any�•;:: �: . . . _. . . , ., ,.^:; .. � .. .._... _ .. �°. ,;opinion: 'i'he:rest�lt���f�our.�esis;;disclosed=��io instances af rioiica�npliance ar:aii�er:rria�ters.=fhat ,.. , . . . . . _. _ . . . .. .. . . . : � - - ��a�e rec�'wred,�to;lis repo�ted�.unde� Goverrtmenf°Auditiiig,Standardsr:� . � - � .. ..... . .. ... ..�. . . - ... .,. ......._,.. „ .. .. ..... .. � � - . , , .. � ra, . _ . _. .� ; ._� ,a •=c� . .. � . � - . , , .. . . .,- �. .,� .. , . _,.,.. _....^.:.-- .� .,, . . - , , , , :: . ., , _, . . � .' . .' z ._ �, -.. ..... . . .. . .. . -. .., .. . , ',. . ... .. .. � .: � .- . . ...,.r. ' � .. ,. . .. . , .., ��'` '`�. .. .., '. k :. . � .. � .'�:.: Purpose of fE�is �teport � - -� ` � ��',' � � • ., .. .... .. — ;: � _ �, `�;:; �.::.,=` ;. ... • . � : :The�j?Ui�05E Of,ti'115� repori :�s�solely.�to'describe il-re�scope'of o�r tespng a€ fnteriial,can�ol and::�` �` �_ `. „ � , . . . . . . ... . . , ., .... .... . . �_ • • � -• ;compliar�ce and:fhe�results of iha�•testing;..and�not to�provide an opirnorr�ori,the effectivene�s of'�°�;� =_,:-�.�;-� �� � � :,-� ... � _; : . :::.:, � �; ..:.� -- - ` - .:,:..,.:,.;�:.::. e orgarnzat�o s�,ntema�.cvntral.�r-:fln•compliaiice���::This re�oi� fs an iiitegral par� of:aii;audit-.:::� . 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' . „ , � �� , : '' .- , ��� h��`i���'E� �iWe have'audii�d. -The Coa'che�la 1Vailey; Housi'iig,�Coalition, � Inc.'s compliance wiih ihe �types, of• ' � � , ,,. rc� „� `����' `� corri�[iance:�eq�tiremerifs;describe��in;fhe.OlV16; Coritpliance Supp7e"mentfhat could.have a direct � � `�� �a� � q �� !' "Fand� matenal �effect��on eacti' of�:The' Coacliel[a��Clalley. Housi�g CoaEition •Inc.''s rnajor��federal f ' � { ' "* . � �:��:,.,,��`�,.,�.��,,.. „ .. .:,.,.. , . , Y � ,..� . ; a ;;r� ,�Y��;:=;�;�rograms�ort�i�eyearende��Septeinber_3�, 2Q17: The CoachelEa Valle Housin Coalition; Inc. a_, - ;"� �-���-f �.�"�►-n�'or�.`-federal: ro 'rams -are--i�entifled in �th� summa of_audito�s� "results section of the� � , � , _ -� ,�� � P 9 ry - ��;,��r ��,�;�„�.;�,,��accompanying'schedule of findings,and-questioned costs. _ � � � � �� � _ _ - _ � _ �• � � ��� � � � � , , � ..,.. � , _ , . � - - �,L�'i, k'y,0�.7.ti,, �£l' i��z wtr� '.,�s - •ir � - i �1',qFi; .'r._i::� __ -.. �� . . . . . : - ,,. ��',�"'��A,����,,��i �Mana�ement's Responsibility' � .. � - _ � , -• � . _. � _ �- f� a��z; r�[� - � �c y�r 1 i, �a.i,���{�1.J'2lP���k���t��A�'Kf i1i3 �1 �`Sj'1: '�i.j�l�.� {7' fE F_ x !: �! ,. ..F`.1, ' `' � - `y.�. . � , . � _ � � "_ ff: € }, i- � �� �' "�" {� ,' �""; �����F � Mar�a ement�is res or�sible for�com� liance�th_tFiE��requireinents of law"s .re ulafions :confracts-,.� �'3 i 3k�� .�3; t;�i�:r3:.�, g..�.,s�< ::i':�: �.5-- Y�- - - � _ ;'s �.,:�. �i � ,a i„i# � - � � ��,; ��-d �and gcants appl�caiiie fa iis federaE�pro�� rams ���:::� , • -- -- 'r�- ' . 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F:w �;,�Y3�_.`.� .,�a.. }., :tl.?' _ ' _ ' ' '4�•` :r`i�^::".tiri..^�...'i;;: ';i; %'-„ ,ia: .�6..<. �{'j,�• ,:�'�;.' , — — . - - �..� :.e,�., a..�''1'::7"a�"" ,#K$� - -- - �,5 - .!i': �•'.:s' _ .:2> , :;,:. ' � : `�, •,�:°irt;�f� �,§::< €,r.. ,.,; � „��t •.v �;;•...._ '.., ir` 9':� •: �a_;, �,����; ���,Ciur �espo sib'lity� �s :to�:-ezpress :an �.opinion`�:ori5'com��[iance for each of The Coa'che[Ia::Valle�`/;�� . 1 J.� F r ��1 ��„r .�.�+ u� � , � 3 , wi w.,��;.4., � �. , . .�� . � - � . ��s. ,,_. .. .:: .. .- . =P �-. .. . . . , .. . , �.,:..=; �,� ��*�.��F�,a����o�sEti�_lC�alition,,;1nc s.ma]orfederal prograri�is�b'ase"tt on;ou�-audit of'the�typ'es�of�compGance ��,;, ,.� ..f g_�����N� ����� : Yreq�ir,ements re�erred to ;eborie,�'�1Ne��cond�c#ed:, our ,audii of compliance4 in�`accor'dance,,with�;r.,,.���� � F:� 1'��� �� ��• � {��aud�tai�g-standa�ds gerierally:accepfe'd'in �fhe;tJhifedsStates'of America�'fhe standards�a��licable ,� .,;,` � �` i ' S'r,� ��'ytr ��,�i �i xr � .,. �� � � ,. ' ' : �'.' •. . : •'- ,. . . :. � . . � . . �. :y'. �<�-T}� �� -�K, E� �to �nanc�at:�audrts �ontained',�iri��:Goverr�menf�-Aud�trngi 5fandards; iss�iecl.'�by.�:t�ie �Comptroller _�:�� %y � SS4. 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J Yw.� �� Y ,+. � iTh' .x .i . . .. . �� ..�. •- .� - �... . .. .�, , . . � � i.) � ,�,� �� ��,�� �d,� ��Ci.��r3ar�ce ;requi�e:�tFiat we pEan'and� perform �the� audit �to obtam� reasor�able � assurance:'aJEiaut":i � ��"`f�; � �, � �'uijheiher�no�ncom�liarice=.wii}i�#�ie.tjipe's=of complianc�� reguirements� referretl to''above �iiat��could �' � .; �'r' y'', �?:��'��„kiav�,``�a dtrect�;an�:''material`;;effect on ��a�::ma'or' federal�' ro�� ram=:occu�re ',A . � i � ;:"�,�. �';., , ., ., � ����� � a � :;,:�;� �.�s��;�„�.��,N;�-���;_�..�� �-„�..� ..� s f � :,; ,.. J . .,;. _P, 9:. �-.; _ �': . n'.,audt ��ncludes:�':;':;::;_�{ � . , _ � .-.3;���:,��,�, �e�ca�ini�g f �on;a;;test basts, evidence �about� TFie.,CoacheEla Valley Housirig ;Coalition:;=�.�ric:'s , :�f: �'�:F::; �"��,.s�� �` �" � �`..� �.�.,.- : � .. �., . � .:-�. .._._ .. _ :<.,,,......� ...:::.:.............7 ,,.. 4,.�Y�,_pr,��� F�, complian�ce;�v�nth;,those;�rEqui�ements:and�`performing sucfi�`otfier procedu'r'es,as:we: coi�srderecf ;��;;hb,,,��� ����;� ce�sa � �tfie=�rrc�rri ., . .. �_ � .: _ , . :.: ��� ;�°:.�,<.��-;�. _ �,rY, �. stancc�s: � . .. . , . �i•;._�;, , .,,,;i . .:_.:�: -.< �x�— t'.s::�i� ;s�.•�... :-r,^., .;,_ :�5.�, F.-,s. _ . . E.s:.:.;r.;:.si;.:a<<:i�;z`.� ax:sa= . �i•y„yz��=.,�:�h �Y' te.fi.�;` .:r�,, y ;.a.:r,:_ .> . . . . :� ::z.....,.,. ] �c H,,».�s?';�;F� ,r ws: 3:,. •r7x'�;'�l.. 1 ;trx �r_`•-:'c i . _ • ... :i�... 'l .Y�z, r, 3 _ -�:�ir. .z-1.~ ',N. - .ii . -.:1� 1L :f�'�:':�• .ti> =,�'.�.' 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' ' � ' - r4{ � * ,'� .n.3,,i;,� '`s'� �' , ,'"�» � S- � � ,- ,� � .. =': F � f i x ;' :��' ��rkrz'��-�i�' S�_- �i� ���`''r�" -"�.��.��f.- ��'� r s , ' "' � ` �'�3:: . _ � , { , S ��� �i � ii < y4 , t ��,r;�-�� .� rOprn�an;or���achaNiajo� Fecieral ,Prog�arn . �' � • � ��' • „� , '• x _ �7'� � .�" k 4 x�'� +s'��`- "K �S" �+ `�..�-�,4- ��' i =- . , i,;,?'� ,�%y���*?yy��y �-� i e:�'r, t i-�.� r h_s .r - . . . . . . , - , f i . ^ vi ' =l;M.'S+Y-.:y gA s,ti'fi� ; �sv-' r �% �ap _ ,- 1'- _ C " ..a,�� _ . }���,:i.�.';; �µ� ��y�aur�o��n�on _7he,��oacFtellaAValley,Hoirsing: Coalifion,� �Ir�c. complied;�.i�i-a[I rriafena! respects;� � t� �¢'=3�� �-S�+v�tf�the�fypes.o�compJ�ance reQuirements. �efe�recl.;to��'abo�e.tiiat`coyld'have a'ai�eef and r�aferial;:«:::;=>��:: ''� .�'} �' F k ;.t vr�.. - _ _ � r y, �:�����y��i; � `�,�'�ffect;�oh'e ch��`of�ts�ma or"feclera� �ro rams.�f 'r endedSe �t'�rri .�.��,',�. . � ", � ' � a �the'year. . ,. p e ber� 30 ��20'I7 '��.� >�� _ � � �.��� �:� 3�� � �� �,; �z��„�, _ 'F?.. 9. . , x � `{ •: Lyile".'• Y - `T , -S"��- ro -�` _ • ' 1� !:f.,'].'��: ' 1 i�: t �,<:. .,r # a .s � r4 �^..se/ in'w`� vl'K u�tr » ��i � . �., c� � � �'^s'�,'7 � �"�ir�"s�W� �,e��'x�k.x,�3�v tl��B�',����.�.��eif,N-�z r"�i,',�GF �: _. 7 u1�'-+ � � �; 1A�B�";'...:;�,``:.i�.:��.1 f 1. �S„F:: i �� � rF i�,E''ity�'�r�,�n< O "W�"�' ����,',,y+ ;�,� ;'=,sz � Y• - -.! 4; •'i;� ' !j.; � ..i'! � +�'�i�,s-:.�..,� ,�_. ! y, 3 f �r�'"r .�✓%�;i' �,,� t;,.r, s�� � :� �"`1cV�� s',ri- - 7�''�'- •I � ';>� . .,y �111�����35L�L1ik�'b�'.°, i ! 5 - _,::. � :''` Cx '�� x�h4 '�rG1Ck�I�`�Ai?,�� ��CC,OOtIt11TPl9Fi: .t�s_ :-' i `.a ' �� . .�,.� �F t v+ �, s f z �;�,'Es.�� ,�. ��aIxs �'+�<.�,�� �;r��`�.. ` "' #:.:.� - .I�'.�� ',Gerlx�i�.a�'ub�+C'�bu�fania ; n9�Sv.r: � :�lr.i ;£ .��� .��"�� a+�rY" �'..r,�_i•s � f ,1,�.' :.F M �1� _..'^ _3 I z -�,. ;'�� s.• �:�i;.Y,..�,rk.f '�.•- i�f�y"�,-s. z'd`=>,r� -,�.a. _ _ '`f• f '` .1. ° -� t� .�iic.°�:�v..�i.7�M1� �i,+....n'yr.-r, _ . =r : � . . .... .- . . . �° �' , ' . � k - y- �. . �i���; :'':� _•-;�'�. � .. ,: _. . _ _ . `'7': . , ' t'�. . . . . . . . � . <- .,., f _ .<.,,� 1., i }!..'.,. . � ... _._ _ ...:;3: a: � • . • � -. . :. . � . . . . . �; . , . . � . . . . �� �- .. �' Reporf on� internat�;�ontrol.Oder Comp{iance.;. . ..'� � �. � . . ` . , � ,� : - - � . . � - - , . . , ,, . � . . � . . . . .. . - � • ? . � ,. � .. � . � � � ' •• - •� � �' ��� .. � �.. . ' . �._ � . .� : . Mahagement6fThe�Coachella V$Il�syWousing::Coa#iiion;:Inc:.:is��respot�sifiie;forestablishing.�nd •,� -- " _ � . . . . , . . . . ... _ ._ . . . �.' :�maintaining:effective-in#emal.cortiml:o�er-compliaiics.vtiri�h the�types of,compEiance;requirements ` - �.refe�red'to"above.;;.(n�:planning ;and perfarming our•audi�-`af: compfia�ce;`�w�".�consiifer�d The ' � - � � - Coache�la Valley Ho�asing;_Coaii6on,:inc.'s:intemal:cantrol:.over�compliance;�w�ih:.the:types of � �:req�i�ements..tt�a#� could, �ta�e a �direct:ar�d•:matei�al,.effect �ori��,each• majo�. federa(:�pTogram�,ta � , � .:deferrnine_,the a�iditing.procedures #hat�ar�_'appropriate;ln;the•�ircumstarices for�rit'he purpose` of- � � ^ ntemal.�control over..corriRlia ce iR acco.rda ce witl� iFie.0 form Guld ��� b�tii:test�and �report��on �', �.-_� . . � p 1 , . . ;, . ._. R . . . � .. , ., . .. . _ . . . _ .. , u,t;not fo�r #t�ie �urpose�.. ;• _ � . � . , , of,expressing; an .opinion on the� effectiveiiess��af.iritemal; crmtrol: ov�i�. catnpJiar�ce: ��i4ccordingty, ;•� �� : we do not. express:an;opmion on khe eifectiveri�ss-of-Tfze:.C.aachella:Ilalley:Housing' Coaiition, � . ' ' Ir�c.'s interr�al control over compliance.,: ..; . = . . , • . ; . � . . ' � - ' • . . ' . � . � � _ � ,' ��A,de�rcierrcylrr in[emalcontrol,overcoinpliance��exista�wiien�t�ie,design.o�;opera�ori of`.a`control, •� . � .', ,. over comptiance does r�ot allow,,managem:ent.o[ emp��yees; ir� tha,:rtiormal:�cour5e o# pei�orming ; .. ..� .:theit:.ass.igned';�f�netion5,�.:to : prevent,::;or:�detect ai�d:,-cdrrect, :;nonrbmpliance.::with a.:,tyPe:, of. ;�:�.� . :: . . .. . . . . .. . . .. ``.coinpliance:requirement:of`a f�deral�p;ragrairi on:a:t€melyE3asis:�;:A:material,�weakrxess�in;inierna/ . � � .. . . .. . . .�., . ,.�conirol:over. campJra�c.e;i5,a'�eficiency;;or:combination of.�defic�encies,::in:.intemal control�:over�. ' �-� ' • '�compliance,_such tf�at:there�is�a.reasbnable�poss9bilitythatrriateiiaf noricompiiance�witFi�a type of�� � - , � coinpliance'req�irement,of a�.federal �rogram.will not�be:preve�rifed; or�detected�and _co�e�c�ted, on � ��• - �' a•timely.,basis. A.signi�tcant de�'ciencyirr irifernel cori[rol over �amplianc�,is a defcc�ency;.�;or a, . • combinatian' of °deficiencies;: �r� ir+terria� ,control .aver' corripliance ,'w�th, a, type : of �compiianca . .� - � . . . . .. , , - - . . requirerr��nt af:a.federal:pror�ram tt�at is less=;sevare�.#fian a material�vireaknass:in:internai;control• `' �- .. . . . .. .. :.. : . . •� �:�:.:�aver.c�mpiiance,.yet�'impartant:eno�gh:to.�rierit.atteiitioriby;fhnse^cFiarge�`v�riifi��goverriance:` � -. • - �. . ,. . . . . .,.�.... . ., . . , . . . . . . . . . - '-:Otir`corisid�ratiori�of:inf�ma�:cont�at.over:cor� # a� � ` � ., . . . . .... . _ .... . . ..... ... . .. . _ . P f ��descri�ecl.irt th�e : , ._ _ . rice`was�for�tl�e�limifetl,purpas' :.... - ... . . .. .. ,. .:�: - �.:first:paragraph:of�#his=seciiari;and:was nat;desi ned io`ider�'. ' , . ... �. .. �:> . . � �=; � • g t�y all,cleficier�cies in„i�temai;control:;:.. : � � . ,nver.cofnplisnce that.mrg�t:bs:rriat�rial weakriesses or;sigrtificari�deftciencies .Wg.d�d rrot�id�ntify,.:. : �: : . ' . . .. . . . . ... . . ._,.. .. .. � ariy..;deficlerlcies in�.iritem�t contral.orie��compliance'.thatwe_cansider�ko.be:mater�al�wea��issses. • � � •, � ' However;,.materiaGweaknesses mayexist_.fha# iiave �not�h'een: iden�fied: '� . ' . . � � .. � . = � ' ': � . . . . ' ., � ; Purpose, of this�Re�ort_� . .: : ..�.. : , �. . , `.. ... .. ..� . . . . . ,., � ' . " - . . .. . ,. .. . _ . .. . : . . . .... : - . , .., . . .. . . - - :. � _ . �_.. . .., . . ... . Tlie'p�rpasa�of'this�report on intema� control-over.compliance�is�5olely':�to desctibs,the sca�e of� . aur.��iesfl�g of. intemaf r,ontrok over� compiiance`and ��ie���es�f�:-of_�•ihat='testir�g_;�6ased_ an;: fhe .:-. .�recj�iir.ements.the Uriiform Gvidar�ce: Accoidingly;�this report,is;i�ot suitaEils:for any. o#�er pur�iose: �' .- .� - ......'r �,.. .. �� �;...� .....�... _.� . •- . ., ..., ... .. . • : '.: , •. .� .. • ..,• �-.. . . .,. .. . .. . Pa1m�Dese�t'- Calif mia . . � . . . �.�� ` • : . . ' ' • .� ' . . ' , � � . ... ... . . � . .. . . � , . _ � � ._ .. . . . . , � . - - , �February>T.2018 � � . � .. . _' - � . . � . � ; . ...- . . , � . , -�� ' _ � . . ' . , .. - � , , .. . ,. . � .,� � .. . . . . . • - , �, � . . � . . ' : . . - . ; . ' � . -:. .. �. . _ ; . , „ ; . , _, . , . .... .� � .:�� .., � . .' . . —� � .. : _ . . . _ .--7� : . .. . .. ' .,• ...�... . ,..� . THE COACHELLA VALLEY HOUSING COALITION ��-� AND AFF�LIATES Schecfule of Findings and Questioned Costs Year Ended September 30, 2017 Section i- Summary of Auditor's Results FinanciaE Statements Type of auditor's report issued: Unqual�ed fnternal control o►rer financial reporting: Material weakness{es) identfied? Yes X No Significant deficiencies identified not cor�sidered to be materiaE weaknesses? Yes X No Noncompliance material to financial statements noted? Yes X No Federal Awards , InternaE control over major programs: � Materia! weakness(es) identified? Yes X No Significant deficier�cies ident�ed not considered to he material weaknesses? Yes X No C� �~ l' ;� Y Type of audit report issuecf on cam�liance for Majar Qrograms: Unqual�ed Any audit findings disclosed that are required to be report in accordance witt� Uniform Guidance, Sectior� 200.516(a)? Yes X No ldentification of Major Programs: 10.405 Farm Labor Housing Laans snd Grants 40.420 Seif-Help Technical Assistance 10.415 Rura! Rental Housing Loans 10.�427 Rural Rental Assistance Payments Dollar thres�old used to d�stinguish be�irveen Type A and Type B Programs: $750,QOQ Auditee q�talified as low-risk auditee? X Yes No Section Il - Financial Statements Findings None Section EEI - FederaE Awards Findings and Questioned Costs Nor�e • �-� _ � - �_ ,,. 76 Contract No. C36510 EXHIBIT A City of Palm Desert Request for Proposals for Self-Help Affordable Housing Development