Document Lewiston_doc_3aa3a0a757

RENTAL REHABILITATION LOAN PROGRAM 1 Adopted 8/13/2013 Program Overview The City’s Rental Rehabilitation Loan Program is a key aspect of the housing redevelopment strategy for the City. Our intent is to concentrate funding in the downtown area to rehabilitate small 1-4 unit rental housing stock, improve the overall image of the downtown, and create affordable and sustainable housing. The City’s program is being funded through the U.S. Department of Housing and Urban Development (HUD) Community Development Block Grant (CDBG) program and administered by the City’s Economic and Community Development Department. Funding will be concentrated in downtown Census Tracts 201, 202, 203, and 204, which has the largest concentration of small rental housing units. (See Appendix 1: Map of the Target Area). CDBG funding is the most flexible federal funding resource available to the City and works well with other federal funds such as weatherization, lead hazard control, and green and healthy homes funding. The City intends to maximize the amount of funding available for rehabilitation of these smaller properties by blending funding available from other sources. Program Criteria Property Eligibility: To be eligible, the property must be a small rental property and be located in the target area; may be owner occupied or an investor owned property; and must in “good standing” with Code Enforcement. Applicant Eligibility: The applicant must have proof of ownership of the building; must be current on all City assessments; if owner occupied, must be at or below 80% of Median Family Income (MFI); and may not be elected or appointed City Official. At least 51% of the rental units in the property must be occupied by low-moderate income residents. (See Appendix 3: Median Family Income Guidelines). As part of the application, the owner must provide Tenant Income Verification Forms filled out and signed by the tenant. (See Appendix 4: Tenant Income Verification Form). Affordability Requirements: Applicants must rent to low-moderate income residents for a period of one year. (See Appendix 2: Fair Market Rents). See Boilerplate for detailed description. City Assessments: Applicants may not be delinquent on property taxes, personal property taxes, trash, water or sewer bills, or have any outstanding or delinquent accounts on any property of which they are a principal owner within the City of Lewiston. Applicants must demonstrate a record of compliance with the City of Lewiston’s codes, ordinances and policies and any other local, state, or federal rules and regulations that apply. Isolated violations will not be considered as a failure if addressed in a cooperative manner. ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 2 Adopted 8/13/2013 Eligible Expenses: Allowable improvements are defined as basic and necessary items that improve the basic livability, safety, or utility of the residence. They must meet International Property Maintenance Code (IPMC); Housing Quality Standards (HQS): and applicable codes. Examples may include: • Repair or replacement of inadequate roofs, heating, electrical, or plumbing systems. • Insulation, paint, siding, floors, ceilings, walls, and windows. • Removal of asbestos, lead paint or other hazardous substances. (See boilerplate for certifications and instructions) • Accessibility improvements. • Energy improvements. Ineligible Expenses: Improvements that are not eligible source include but are not limited to: • Appliances, furniture, or other personal items. • New construction of decks, patios, sheds, or other outbuilding. • Fences, Landscaping. • Hot tubs, whirlpool bath or saunas. • Project improvements commenced prior to the receipt of a signed funding agreement from the City (except architectural design). Maximum Funding Available per Project: Three tiers of funding may be available based upon funding available to the City: Minor, Moderate, or Substantial Rehabilitation. We anticipate that most of the funding will be in the Minor to Moderate categories with Substantial Rehabilitation limited to elements of a larger City project. 1) Minor Rehabilitation: Loans of up to $7,500/unit for Minor rehab refers to repairs (activities short of replacements that maintain the home) and improvements (activities that enhance the residential structure) of a minor nature; work in support of weatherization such as lead hazard control; health and safety issues as they relate to smoke detectors, CO monitors, etc. 2) Moderate Rehabilitation: Loans of up to $10,000/unit for Moderate rehab involve more extensive improvements such as new wiring and heating and cooling systems as well as new cabinets, fixtures, and finishes, in addition to health and safety issues etc. 3) Substantial Rehabilitation: Loans can be up to $25,000/unit and/or $28/sq. ft. of heated occupiable space. Substantial rehab entails removal of all interior walls and mechanical equipment and installation of a new space plan. Financing Terms: Terms will be tiered based upon income and ownership: 1) Owner Occupied: Low-income household at or below 50% Median Family Income (MFI) are eligible for a deferred loan at 0% for ten years. Must be principal residence. Loan may be ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 3 Adopted 8/13/2013 forgiven in 10% increments per year over the ten year period. If sold before the 10 year time frame expires, any remaining unforgiven balance must be repaid. 2) Owner Occupied: Low income household @ 51-80% MFI – loan must be repaid at 1% interest over up to 20 years. If the owner moves to a principal residence other than the primary property securing the city loan, the loan rate will convert to the applicable Investor Owned rate. 3) Investor Owned: Principal residence inside Lewiston or Auburn, 2% up to 20 years Principal residence outside Lewiston-Auburn, 3% up to 20 years Matching Funding: A 10% match per unit is required in the form of cash (no in-kind) from all applicants except low-income households at or below 50% MFI. Applicant may secure this match from a lender, owner equity, or insurance, etc. Match must be cash or liquid and available when the project is approved for funding. An award letter or letter of firm commitment from a lender will be used to verify match from sources other than owner equity. Once the application is approved for funding, each disbursement request must be matched with private funding by 10% of the invoice amount. (For each invoice, City will disburse 90% and owner will disburse 10%) All of these forms of match are acceptable providing the funding is available at the time the project is ready to proceed. No self-help labor is allowed as match. Funding Agreement: Applicants must have a signed funding agreement with the City prior to commencing improvements. Other than for architectural design, project expenditures made prior to the Loan Qualification Committee approval and execution of a funding agreement do not qualify as matching funds and are not eligible for reimbursement. Federal, State and Local Requirements May Apply: Most of the funding available to the City for grants and loans comes from federal or state sources, which means there are some restrictions or requirements that must be met. Additionally local ordinances may apply. Restrictions governing these funds are described in a later section of these guidelines. Funding Source: Community Development Block Grant (CDBG). Other federal, state, or local funding may also be used based on availability and at the City’s discretion. ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 4 Adopted 8/13/2013 To Apply for a City Loan or Grant A property owner interested in participating in the City’s Loan Programs must submit a completed, signed application along with the required submissions to the Economic and Community Development Department (ECDD), City of Lewiston, 27 Pine Street, Lewiston, ME 04240. If you have questions specific to the program, you can contact Jayne Jochem, Community Development Coordinator, at [PHONE REDACTED] x 3233 or [EMAIL REDACTED]. Personal appointments can be made upon request. There is an open application period as long as funding is available. Residential loans and grants are processed on a first come, first serve basis. Application Submission The following items may be required submissions as part of the application package. a) Completed and signed application form and application checklist for documents required to be submitted b) Financial information is required with all applications including: household income; two years of personal income taxes; two months of personal bank statements; financial records on the property to be rehabilitated; a copy of current Hazard Insurance on the property; and other information as requested to make a determination on credit worthiness for a loan. c) Addresses of all properties in the City of Lewiston owned wholly or in part by the applicant. d) Current photograph of property to be improved e) Written description of the project improvements f) Two written bids/estimates for each component of the proposed scope of work needed to complete the project Application Processing and Review Each application will be dated upon receipt in the Economic and Community Development Department offices on the Third Floor at City Hall. Only one original application is needed; however, applicants should retain a copy of the completed application. Each program description outlines the type of funding available as well as the maximum funding limit. You may request up to that limit; however, if the ask is not supported by the need, the City may fund a lower amount. You must meet the individual program and the financial guidelines for each type of program applied for. Owner’s capacity to finance and complete the scope of the approved project on a timely basis is evaluated as part of the approval process. ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 5 Adopted 8/13/2013 Verification of Information Once the application is submitted, Community Development staff will verify all sources of income, assets, and matching sources. Third party written verifications may be needed. Credit reports will be obtained to determine credit worthiness of the applicant(s). Community Development staff will conduct a title search on the property to make sure that the title is clear from liens and will complete property verifications with City Departments (Assessing, Finance, Water and Sewer, Treasurers, Code Enforcement, and Planning) on all properties owned by the applicant(s) in the City of Lewiston to ensure that there are no outstanding assessments or complaints against the properties. If there are outstanding assessments or complaints, the applicant will not be eligible for funding until the assessments are paid in full and the complaints cooperatively dealt with. Community Development staff will check the Federal, State, and local databases to determine whether or not the building is historic and, if so, the type of review needed. If federal guidelines require project review by the Maine Historic Preservation Commission, the approval process may take as long as 45 days. City staff will also check the Flood Map and the Wetlands Map to determine if there are any restrictions and requirements related to these issues on the property, and a GIS map of the property location will be printed and maintained in the application file. Community Development staff will review the project and the bids with Code Enforcement and set an appointment to conduct an initial inspection of the property to ensure that the proposed improvements will add value and that the building can support the proposed improvements. Code Enforcement will make recommendations as needed, including items that do not meet code and need to be repaired as part of the project. Community Development staff will check the contractors that have provided proposals against the Excluded Parties List System (EPLS) http://www.epls.gov to determine if the contractor has been debarred, suspended, is proposed for debarment, excluded, or otherwise disqualified from work that is federally funded. Staff will document the file. Each funded activity must meet one of the three HUD national objectives: 1) low-moderate income benefit; 2) elimination of slum and blight; or 3) urgent need. In aggregate, at least 70% of all funds must assist low and moderate income persons over a 1-3 year period. Community Development staff will document a file the extent to which the project meets these National Objectives. CDBG Residential Program Definitions Affordability Guidance: The affordability to low/moderate income tenants of Multi-unit housing (1-4 units) rents is determined in the following manner: ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 6 Adopted 8/13/2013 a. rental charges for each dwelling unit in the property, at the time of application and during the affordability period, must not exceed the maximum Fair Market Rent (FMR) established by HUD minus the allowance for tenant paid utilities. The City loan programs follow the HUD approved FMR exception rents up to 120% of the established FMR and the utility allowance for tenant paid utilities as adopted by the Lewiston Housing Authority. (See Appendix b. Rents must remain affordable for a one year affordability period after construction is finished and the loan goes into repayment. Rents cannot be raised for that year. Household Income: a. Income of all members of the household is considered for computing total household income. This may include wages, salaries, overtime, bonuses, fees, tips, commissions, interest and dividend income, net rental income, child support, alimony, Social Security benefits, SSI retirement, pension, or annuity, AFDC, unemployment benefits, worker's compensation, and disability or benefits from any source. b. For the purpose of computing income, a household shall be defined as all persons who occupy a housing unit. The occupants may be a single family, one person living alone, two or more families living together, or any other group of related or unrelated persons who share living arrangements. c. Exception An exception to calculating household income is for boarders of the applicant. A boarder is an adult who pays the market rate to rent a room and shares kitchen facilities with the applicant. The applicant must produce verification of rental income such as canceled checks and rental income on a federal income tax form. The gross income of the boarder will not be included in calculating the applicant's household income. Instead, the HUD Fair Market Rent for a 0 bedroom unit shall be added to household income. The boarder will not be counted as a household member when calculating family size. Investor: A property owner that does not live in the property to be rehabilitated who may receive rehabilitation assistance in order to improve housing conditions for low/moderate income tenants. Mixed-Use: A property used in some part for residential purposes and in some part for non-residential purposes. Owner-Occupied: An applicant who holds the entire ownership interest of a property and lives in one unit of the property as a primary residence. Rehabilitation Costs: The total of contractor estimates from eligible contractors for the scope of the work. Part of this scope of work may include lead hazard control ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 7 Adopted 8/13/2013 or abatement. The ECDD must consider whether the rehabilitation calls for lead hazard control measures. This may involve hiring a risk assessor or lead inspector who will determine whether lead hazards exist and what methods must be used to control them. All lead related contractors must have the proper certifications as required by HUD, EPA, and MEDEP. A copy of the certification will be required with the contractor’s bid. If lead hazards exist, a clearance test of the construction area will be required from a licensed risk assessor to confirm the absence of lead hazards after the work is completed. The Contractor and owner will work closely to minimize the need to displace occupants of a dwelling unit as well as ensure no residents of the property are affected by lead hazards. Residential Property: A property used entirely for residential purposes (household living space). Target Areas: A designated neighborhood area defined by the Department for concentrated use of Community Development Block Grant Funds. Census Tracts 201, 202, 203, and 204 are designated as the “Target Area”. Risk Analysis and Underwriting Criteria All loans will be underwritten by staff or contractors of the Economic and Community Development Department. The following underwriting criteria will be used to evaluate the financial strength of the borrower and the anticipated success of the project: a. Debt Coverage Ratio (DCR) defined as the debt compared to the net income. The City will expect a DCR of at least 1.10 b. Loan to Value Ratio (LTV) defined as the Total Loan Balances of the mortgages divided by the Fair Market Value of the Property. The LTV will not exceed 100% LTV (loan only) c. Commitment of other lenders/Terms of the Commitment/Subordination d. Repayment/Refinancing Collateral e. Matching source from an institutional lender, owner financing, insurance company, and/or any other source acceptable to the lender f. Track record of cooperation with Code Enforcement and other City departments g. Verification that all City Department assessments (taxes, City utilities, etc) have been paid ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 8 Adopted 8/13/2013 The file will be documented with this information and reviewed by staff to determine whether or not the project is financially feasible and ready to move to the Loan Qualification Committee for approval. Application Approval All applications for program funding are presented for review and approval to the Loan Qualification Committee (LQC), which consists of: the City of Lewiston's City Administrator, Economic & Community Development Director, Director of Finance, one member of the City Council, and one citizen representative preferably with lending experience. The actions of the Committee shall be governed by the following rules: a. A majority of the Committee's members must be present to constitute a quorum. At least three votes on the prevailing side are required to constitute a valid vote on any funding application. b. Committee approval of applications will be contingent upon the applicant meeting the requirements of the program they are applying for c. The Committee has the authority to adjust terms, rates, and the match requirement and underwriting ratios on a case-by-case basis. Approval/Disapproval of the Funding Request Once the LQC makes a recommendation, the applicant will be notified via telephone by a representative of the Economic and Community Development Staff. If the terms have been modified, the borrower will be given an opportunity to accept the new terms and conditions or request an appeal. Appeal Process The applicant may appeal the decision of the Loan Qualification Committee (LQC) under the following circumstances: a. Must be in writing with an explanation regarding why the applicant should be granted an appeal b. No new information may be presented by the applicant, only clarification of information that was not presented correctly. c. Request for an appeal must be made in writing to the LQC, Chairperson within 30 days of the date of the decision to deny or modify the terms of participation. The Chairperson will conduct the appeal process. d. The decision of the Chairperson is final. ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 9 Adopted 8/13/2013 General Terms and Conditions for Participation in the City Programs This section sets forth the general terms and conditions to which an applicant must agree in order to receive a loan through the City. Once the proposed work is approved for funding and a Commitment Letter is issued, Community Development Department staff will contact the owner to schedule an appointment for a loan closing. The following documents become part of the Funding Agreement between the City and the Owner: Commitment Letter, Terms and Conditions of the Program, Security Agreement or Mortgage, Promissory Note, Personal Guaranties of all owners, or other Agreements pertinent to the type of funding. The City of Lewiston views the documents executed at the loan closing as a contractual agreement between the Borrower and the City. To fulfill this agreement, the Borrower must: 1. Complete within six months all rehabilitation work as described in the loan application submitted by the applicant and approved by the Loan Qualification Committee. For exterior work, scheduled allowances may be made for weather if needed. 2. Repay in full and in the manner prescribed all loan money disbursed to the Borrower by the City of Lewiston through its programs. 3. The Borrower accepts ultimate responsibility for fulfilling this agreement and further agrees that: a. Other verbal agreements or written contracts entered into for the completion of any rehabilitation activity are made solely between borrower and the respective contractor and/or supplier; b. Borrower will indemnify and hold harmless the City of Lewiston and its agents from any and all disputes or claims of any nature for damages which may arise from the performance of any rehabilitation activity. 4. If a Borrower fails to maintain the property at or above the minimum acceptable level prescribed by municipal codes, the City Treasurer may assess an interest penalty to be added to the Borrower's payment. This interest penalty shall be equal to the unpaid principal of the loan after the code violations are discovered times one-twelfth of the annual effective interest rate of the matching bank loan, and shall be assessed each first day of the month thereafter, until the code violations are corrected. If there is no matching loan, the effective interest rate shall be the rate then in effect for delinquent property tax payments. 5. The Borrower's failure to make any payment in full within thirty (30) days of the date when due, or the Borrower's failure to make full payment of any late charge or interest penalty within thirty (30) days of the date assessed, shall constitute a default. ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 10 Adopted 8/13/2013 6. The entire principal balance and all accrued interest shall become immediately due and payable without notice or demand upon the following events: a. The Borrower's failure to make any payment in full within 30 days of the date when due or the Borrower's failure to make full payment of any late charge or interest penalty within 30 days of the date assessed; b. The commencement of any proceedings by or against the Borrower under any bankruptcy or insolvency laws: c. The dissolution of, insolvency of, appointment of a receiver for, or assignment for the benefit of creditors of any property of the developer; d. Loss of, substantial damage to, destruction of, sale of encumbrance upon (whether first or second position to this note and the mortgage securing this note), seizure of, levy against, attachment of, failure to pay any property taxes or other city utilities upon or insurance premiums on the project property 7. Rehabilitation Loans will require a security instrument which is acceptable to the City. The cost of preparation and registration of the security document will be the Borrower's responsibility to bear and will be payable to the City at the time of the loan closing. 8. A Borrower agrees to permit inspection by the City's ECDD and/or Code Enforcement personnel of the property, rehabilitation work, and all contract agreements, materials, equipment, payrolls, and conditions of employment pertaining to the rehabilitation project. 9. The Borrower agrees to follow the procedures and conditions of all established and applicable municipal ordinances in the physical rehabilitation and maintenance of improved property. Work not meeting minimum standards and procedures established by code is unacceptable for disbursement of any loan funds. 10. Disbursement of Program funds: • Disbursement of all Rehabilitation Loan funds is made to the Borrower or the contractor upon request submitted to the City's ECDD. Invoices received by Monday, end of day, will be processed for payment no earlier than 3:00 pm on Wednesday of the following week.. Any rehabilitation work that requires a match will be paid in part by the owner as match and in part by the City. • Repayment of the loan will begin upon completion of the construction phase or six months after the closing date, whichever occurs first. • The above is contingent upon approved activities being completed according to applicable municipal codes. No money will be disbursed to reimburse the Borrower for improvements made to the property which were not approved by the Loan Qualification Committee before they were commenced. ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 11 Adopted 8/13/2013 11. The Borrower is required to maintain hazard insurance on the improved property for-the full term of the note and in a minimum amount equal to the total value of all mortgages held on the property. Prior to disbursement of program funds, the City shall be listed as a loss payee on the policy for the property. 12. The Borrower agrees to keep such records as may be required by the City of Lewiston with respect to the rehabilitation activities. 13. The Borrower further agrees to abide by all terms and conditions of Federal Regulations, including: 1) Federal Labor Standards: The Borrower must abide by established minimum wage rates (Davis Bacon Act as supplemented by Department of Labor regulations) contained in entitlement grant regulations 24 CFR 570.603. This is applicable only to rehabilitation of properties with 9 or more rental units. 2) Lead-Based Paint Hazards: Any Rehabilitation loans made by the City of Lewiston shall be subject to the current federal regulations contained in entitlement grant regulations 24 CFR Part 35 provisions providing for the elimination of lead-based paint hazards. All contractors must be certified under the RRP rule from EPA and any other applicable regulations. 3) "Section 3" of the Housing and Urban Development Act of 1968: The Borrower must comply with the Provisions of Training, Employment and Business Opportunities and will comply with Title IX Section 915, Section 3 of the Housing and Urban Development Act of 1968, as amended in 1992; and in accordance therewith, in all work made possible by or resulting from this contract, affirmative action will be taken to ensure that residents (preferably lower income) of the City of Lewiston are given maximum opportunities for training and employment and that business concerns located in or owned in substantial part by residents of the City of Lewiston are to the greatest extent feasible, awarded contracts. This is for contracts that exceed $200,000. 4) Flood Hazard Insurance: If the property to be improved is located in a designated flood hazard area, the applicant is required to carry flood insurance in accordance with the National Insurance Act of 1968 (as amended) and abide by the regulations of the Flood Disaster Protection Act of 1973 as contained in Entitlement Grant Regulations 24 CFR 570.605. 5) Fair Housing: The Borrower must not discriminate upon the basis of race, color, creed, or national origin in the sale, lease, rental or occupancy of an improved property and will comply with the Fair Housing Act of 1968 as amended. 6) The Civil Rights Act of 1964, codified: The Borrower must not discriminate upon the basis of race, color, creed, or national origin in the sale, lease, rental or occupancy ---PAGE BREAK--- RENTAL REHABILITATION LOAN PROGRAM 12 Adopted 8/13/2013 of an improved property and will comply with Title VI of the Civil Rights Act of 1964, codified in United States Code Title 42 Sec. 2000(d), and Title VIII of the Civil Rights Act of 1968, and Section 109 of the Housing and Community Development Act of 1974, and in accordance therewith, no person in the United States shall, on the ground of race, color, national origin, religion, age, or sex, be excluded from participation in, be denied the benefits, or be subjected to discrimination under, any program or activity funded in whole or in part with the Community Development funds or any other federal financial assistance. The operating agency will immediately take any measures necessary to effectuate this agreement. 7) Interest of Certain Federal Officials: No member of or Delegate to the Congress of the United States and no Federal Housing Commissioner shall be admitted to share any part of this Program or any benefit to arise from the same. 8) Interest of Members, Officers, or Employees of Operating Agency, Members of Local Governing Body, or Other Public Officials: No member, officer, or employee of the Department of Development (Planning, Community Development or Code Enforcement) or its agents or assignees, no municipal officers of the City, and no other member of any board or commission, elected or appointed official of Lewiston, or employee of the City of Lewiston who exercises any decision-making functions or responsibilities regarding the Community Development Program shall have any direct or indirect pecuniary interest, as that term is defined by 30 MRSA, Section 2250, et seq., in any contract, subcontract, or the proceeds thereof for work to be performed in connection with the program assisted under this agreement. 9) Bonus, Commission or Fee: The Borrower cannot pay any bonus, commission, or fee for the purpose of obtaining the City of Lewiston's approval of the loan application or any other approval or concurrence required by the City of Lewiston or its designee to complete the rehabilitation work financed in whole or in part with the rehabilitation loan. 10) Federal Funding Accountability and Transparency Act: The Owner shall comply with requirements established by the Office of Management and Budget (OMB) concerning the Dun and Bradstreet Data Universal Numbering System (DUNS), the Central Contractor Registration (CCR) database, and the Federal Funding Accountability and Transparency Act, including Appendix A to Part 25 of the Financial Assistance Use of Universal Identifier and Central Contractor Registration, 75 Fed. Reg. 55671 (Sept. 14, 2010)(to be codified at 2 CFR part 25) and Appendix A to Part 170 of the Requirements for Federal Funding Accountability and Transparency Act Implementation, 75 Fed. Reg.55663 (Sept. 14, 2010)(to be codified at 2 CFR part 170). These guidelines may be amended as required by changes in federal programs. ---PAGE BREAK--- MAIN ST. LISBON ST. EAST AVE. LINCOLN ST. WEBSTER ST. PINE ST. COLLEGE ST. SABATTUS ST. WEBBER AVE. ASH ST. BATES ST. OAK ST. PARK ST. CANAL ST. CENTRAL AVE. BIRCH ST. CAMPUS AVE. RAMP PLEASANT ST. HOLLAND ST. BARTLETT ST. WALNUT ST. BLAKE ST. HOWE ST. WOOD ST. SPRING ST. CEDAR ST. FARWELL ST. VALE ST. SUMMER ST. SOUTH AVE. HORTON ST. PETTINGILL ST. TAMPA ST. STEVENS ST. ELM ST. SCRIBNER BLVD. PIERCE ST. CHARLES ST. WARREN AVE. NICHOLS ST. KNOX ST. MIDDLE ST. WARE ST. MAPLE ST. BOSTON AVE. HIGHLAND AVE. WELLMAN ST. ROSEDALE ST. FIRST ST. WHIPPLE ST. AVON ST. GOOGIN ST. JEFFERSON ST. ADAMS AVE. MORRIS AVE. WINTER ST. BIRON AVE. SHAWMUT ST. FRYE ST. SYLVAN AVE. MANNING AVE. MILL ST. ACADIA AVE. HIGH ST. FRANKLIN ST. BARDWELL ST. BROOKS AVE. PEARL ST. CANAL ST. ALLEY DUMONT AVE. BOSSE ST. JAN'S BLVD. HOWARD ST. COTTAGE ST. BRIDGE ST. MONTELLO ST. LAFAYETTE ST. HILLTOP AVE. BAIRD AVE. ORANGE ST. PROSPECT AVE. ASHMOUNT ST. GAGNE ST. SUMMIT AVE. LEMONT AVE. MALO ST. BRADLEY ST. ESSEX ST. ALBERT ST. CARON ST. LOCUST ST. BOBBY ST. RUSSELL ST. SIMARD AVE. HACKETT ST. HALL ST. RIVERSIDE ST. RESERVOIR AVE. ORLEANS ST. JILL ST. WALKER AVE. LOWELL ST. FAIRMOUNT ST. MOUNTAIN AVE. BARRON AVE. RIVER ST. LEAVITT AVE. STRAWBERRY AVE. NANCY ST. SHANK ST. PARK ST. ALLEY PINELAND ST. LABBE AVE. HALEY ST. UNION ST. NOBLE ST. WHITE ST. DAVIS ST. LITTLE ST. ANDROSCOGGIN AVE. SPRUCE ST. CHAMPLAIN AVE. DUPUIS AVE. OXFORD ST. ALLEN AVE. ROBINSON GARDENS VINE ST. WILSON ST. GREEN ST. BRAULT ST. IMELDA ST. O'CONNELL ST. HAMEL ST. MARBLE ST. PARKER ST. W. BATES ST. MARGUERETTE ST. BROWN ST. MANNING PL. JEANNETTE AVE. FOREST ST. COTE ST. (PE) JANELLE ST. ROY ST. COLUMBIA ST. HAMMOND ST. COBURN ST. HAROLD ST ROLAND AVE. REVERE ST. BOLDUC ST. GERMAINE ST. BONNAILLE AVE. HOMEFIELD ST. DEMI CIR. SECOND ST. ST. CROIX ST. MELODY LN. CHAPEL ST. PAULINE AVE. LINCOLN ST. ALLEY PERRIER ST. LIBBY AVE. GOULET ST. DIMSDALE AVE. BRISTOL RD. BARDWELL ST. (PVT) RYDER ST. MOODY ST. LANDRY RD. NELKE PL. E. COTE ST. BENSON ST. VETERANS MEMORIAL BRIDGE ARKWRIGHT AVE. MARION ST. SURRY LN. ROSEDALE ST LORRAINE AVE. ARCH AVE. WATER ST. MEADER ST. CURTIS ST. NEWMAN ST. PRINCE ST. ADELE ST. LIBBY AVE. (PE) BURBANK ST. CONNECTOR RD. CUMBERLAND AVE. BEACON ST. LINCOLN DR. (PE) CLEARWATER AVE. BRANN AVE. PRESCOTT ST. ISLAND AVE. HILLCREST AVE. JEPSON AVE. CHESTNUT ST. BEACON ALLEY WAKEFIELD ST. CROSS ST. CHAPEL ST. ALLEY (PE) BEECH ST. MARSTON ST. GARNETT AVE. GRANITE ST. NORTH ST. ALLEN AVE. RIVERSIDE PL. NOMAR CT. HIGHLAND AVE. ROSS 204 201 203 202 CENSUS TRACT CENSUS TRACT CENSUS TRACT CENSUS TRACT CDBG TARGET 2012-2013