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HomeMy WebLinkAbout07_16_24_EDA packetSt. Joseph Economic Development Authority Tuesday, July 16th, 2024 12:00 PM 75 Callaway St E (St. Joseph City Hall) ** The meeting will also be offered remotely via Zoom** 1.Call to order 2.Public Comments 3.Approve Agenda 4.Consent Agenda a.Minutes – June 18th, 2024 b.Financial Report – June 5.Joetown Blocks 2024 recap and 2025 Budget Request 6.2025 Budget Discussion a)Central MN Housing Partnership Grant Idea 7.General Business updates 8.Board Member Announcements Zoom Meeting Information Join Zoom Meeting https://us06web.zoom.us/j/82698897944?pwd=b1RaeE5IenZ0L0Z0ejF4UWhvWUVidz09 Meeting ID: 826 9889 7944 Passcode: 725385 Board Member Larry Hosch will be Zooming in to the meeting and located at: 4580 Victoria St N, Shoreview MN 55126. 1 June 18th, 2024 Page 1 of 1 Pursuant to due call and notice thereof, the St. Joseph Economic Development Authority met on Tuesday, June 18th, 2024 at 12:00 PM. Members Present: Board Members Joe Bye, Larry Hosch, Kevin Kluesner, Dale Wick, Rick Schultz Members Absent: None City Representatives Present: Nate Keller, Community Development Director Others present: Angela Larcom (via Zoom) Schultz called the St. Joseph Economic Development Authority meeting to order at 12:00 PM Public Comments Agenda Approval: Kluesner made a motion to approve the agenda as presented; seconded by Bye and passed unanimously by those present. Consent Agenda: Wick made a motion to approve the consent agenda as follows; seconded by Hosch who added to the motion a correction on the minutes from May 21st and passed unanimously by those present. a. Minutes – May 21st b.Financial Report – As of May c.TIF Reports Grant request/discussion for 1511 Minnesota St E Keller provided overview of Angela Larcom’s ideas and request to make improvements to 1511 Minnesota St E along with some background on the Façade Highway District Policy. Angela Larcom also provided a synopsis of her intents which includes: expanding the parking lot, adding shrubbery and vegetation along the East side and fencing on the West side. Board members agreed that adding vegetation on the East side along the Highway 75 corridor would meet the grant requirements. Angela will fill out and submit the Grant application and include the eligible areas. Business Subsidy Policy and TIF/Abatement Policy Updates Keller provided an overview of suggested changes to the Subsidy and TIF/Abatement policies. Hosch recommended to not include the quantity of jobs being created as a factor in the evaluation. Board members concurred. Board members also provided input that the evaluation scorecard should be just a tool and not deciding factor. Keller concurred and mentioned the scorecard is meant to be used as a guide to help evaluate projects. Wick made a motion to approve the updated Business Subsidy Policy and TIF/Abatement Policy with suggested changes and revisions as discussed; seconded by Kluesner and passed unanimously by those present. 2025 Budget discussion General discussion was had on the 2025 budget. No specific items were recommended at this time. Acknowledgement was made on existing fund balances and capacity to support projects as they arise in 2025. General Business/Development update Keller provided updates on: Wedding/Event Venue, Short-term rentals, Joetown Blocks, Hansen and Company, House of Hern, Braegelmann, River’s Bend Park, Feedmill, Obbink, Retention visit with Chiropractic Connection at 3:30PM. Adjourn: Wick made a motion to adjourn the meeting at 12:53 PM, seconded by Bye and passed unanimously by those present. Minutes by: Nate Keller Community Development Director 2 EDA Agenda Item ________________________ MEETING DATE: July 16, 2024 AGENDA ITEM: June Finance Reports SUBMITTED BY: Finance BOARD/COMMISSION/COMMITTEE/COUNCIL RECOMMENDATION: N/A PREVIOUS EDA ACTION: EDA approved three façade grants; waiting to be reimbursed. BACKGROUND INFORMATION: Enclosed you will find the reconciled financial reports through June 30, 2024. The fund balance on June 30, 2024 is $67,399.84. Of this amount, $58,447 is set aside for EDA program expenditures. This leaves an undesignated surplus of $8,953. The EDA is mainly funded with property taxes. Some of the first half property taxes were received the end of June and the balance was received the beginning of July. Of the designated balance is for capital programming that may not be expensed in 2024. There is a $9,000 transfer to CVB for Joe Town Blocks. All the expenditures will run through fund 220- CVB. I also included a revenue/expense tracking spreadsheet for Joe Town Blocks in the packet. Most of the activity has been posted for the event. The CVB and city staff have been working on closing out all expenses and revenues for 2024. Any remaining balance will be carried over to the 2025 Joe Town Blocks event. The other funds reported include the TIF funds, Lodging Tax, DEED CDAP Housing Grant reimbursement and the Revolving Loan fund. There are three revolving loans to Krewe and Flour to Flower Bakery; St. Joseph Food Co-Op; and Jupiter Moon Ice Cream. The CVB is mainly funded with lodging tax. Staff has contacted Rodeway Inn. Rodeway Inn paid through May lodging taxes in early July and will be reflected in next month’s reports. BUDGET/FISCAL IMPACT: For Information Only ATTACHMENTS: Financial Summaries – EDA Funds REQUESTED BOARD ACTION: Consider acceptance of the June 2024 financial reports. 3 4b 2024 Capital Expenditures General Fund Capital Improvement Plan ‐ EDA Final adopted December 4, 2023 12/31/2023 Available through 6/30 through 6/30 Project Project Reserve Budget Grants/Aids Spent 2024 Department Account Code Number Equipment Balance 2024 2024 2024 Balance EDA 250-46500-582 EDA-1401 Computer Software 4,306.74 ‐ 4,306.74           EDA 250-46500-588 EDA-1402 Business Development 40,140.22 25,000.00 (9,000.00)          2,000.00          54,140.22         RLF 251-46500-588 EDA-1402 Business Development 467,053.91 ‐ 467,053.91      507,194.13 25,000.00 (9,000.00)          2,000.00          521,194.13      TOTAL EDA CIP 511,500.87 25,000.00 (9,000.00) 2,000.00 525,500.87  BFA Grants Awarded, not paid as of 4/30/2024:Grant Match $ College & Minnesota, Quonset Building 106 2nd Ave NW front façade $2,000 Hudson Properties, new Gift Shop 13 Minnesota St W front façade $2,000 College & Minnesota, WR Home Company 33 1st Ave NW front façade upgrades $2,000 Angela Larcom 1511 Minnesota St W Landscape/Parking $2,000 $9,000 transferred for Joe Town Blocks Project 4 St. Joseph Economic Development Authority Summary Treasurer's Report - Fund 250 June 30, 2024 Fund 250, EDA Balance as of December 31, 2023 (Audited)44,824.43 Year to Date Revenue:Budget YTD Actual Interest Earnings 500 773.39 TIF/MIF Deposit/Fee - Hansen & Co.- 2,800.00 State of Minnesota Grant - - Abatement Reimbursement (School District)9,385 - Ad Valorem Taxes 120,800 71,793.89 Total Revenue 130,685 75,367.28 Year to Date Expenditures by Object: Board Stipends 1,050 (360) Staff Salaries/Training 57,745 (26,354) Software Support/Office Supplies/Postage 1,610 (1,272) Professional Services 1,000 (7,963.75) Telephone 1,435 (673.93) Greater St. Cloud Development Investment 5,000 (5,000.00) Dues and Memberships (Other)295 - Advertising 150 (167.74) Abatement Payments (Country Manor/Trobec's)36,400 - Marketing 500 - Computers 500 - EDA Programs 30,000 (2,000.00) Transfer to Other Funds - (9,000.00) Total Expenses 135,685 (52,791.87) Fund Summaries as of June 30, 2024 (unaudited): EDA Net Position - Fund 250 - (unaudited), cash balance 67,399.84 Designated for Capital Programs 58,446.96 Undesignated 8,952.88 TIF 4-1 Fortitude Senior Apts Balance - Fund 253 53,570.03 TIF 2-1 Millstream Shops and Lofts Balance - Fund 257 55,303.33 TIF 2-3 Bayou Blues & Alley Flats Balance - Fund 259 9,007.01 Lodging Tax Balance - Fund 220 21,091.83 DEED CDAP Housing Grant Balance - Fund 225 56,868.68 Revolving Loan Balance - Fund 251 542,712.06 Designated for Revolving Loan Program 75,658.15 Designated for Economic Development 467,053.91 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 CVB 2024 Financial Summary As of June 30, 2024 Beginning Fund Balance 1‐1‐24 (Audited)20,691.69$               Budget YTD Rev Customer 2024 2024 Interest Earnings 150.00$ 202.63$  T‐shirt/Hats/Merchandise Sales 1,000.00 356.00  Joetown Blocks ‐ 2,740.00  Transfer from EDA ‐ Joetown Blocks ‐ 9,000.00  Rodeway Inn Lodging Tax 10,500.00 447.29  CSB Lodging Tax 4,100.00 7.65  Estates B&B Lodging Tax 1,100.00 854.18  16,850.00$ 13,607.75$               Budget YTD Exp Vendor 2024 2024 Professional Services ‐ Manage Social Media (Bruno Press)9,000.00$ 4,500.00$                 Travel & Conference Expenses ‐$ ‐  IT Services ‐ Website/Social Media/QR Code Reader 740.00 297.00  Visitor's Bureau ‐ Rubinski Works ‐ Videos ‐ ‐  Visitor's Bureau ‐ Photos ‐ ‐  Community Programs ‐ Shop Small/Winterwalk/Feb/June 1,200.00 ‐  Community Programs ‐ Joetown Blocks ‐ 6,987.11  Visitors Bureau Prizes ‐ Swag Give‐Aways/Prizes 200.00 ‐  Marketing ‐ SHRPA 2,845.00 ‐  Marketing ‐ Campaigns 1,000.00 ‐  Visitor's Bureau ‐ Merchandise (Krillan/Rambow)1,000.00 ‐  Advertise ‐ Think Tourism USA 775.00 825.00  Advertise ‐ MN Trails Magazine 780.00 598.50  Advertise ‐ Newcomer Service Magazine 200.00 ‐  17,740.00$ 13,207.61                 Ending Cash Balance 6‐30‐24 (Unaudited)21,091.83$               26 E ntCo Tip Act ACTUAL EXPENSES JAN FEB MAR APR MAY JUN JUL AUG SEPT OCT NOV DEC YEAR Ent Employee Costs Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YEAR Police Security $720.00 $720.00 Fire Fighters $0.00 Public Works Staff $0.00 Subtotal $0.00 $0.00 $0.00 $0.00 $0.00 $720.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $720.00 Ent Contracted Services/Supplies Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YEAR Porta John's $930.96 $930.96 Dunk Tank $262.46 $262.46 Water for Tank/Barricades $0.00 Band 1 $500.00 $500.00 Band 2 $0.00 Band 3 $0.00 Car Show Awards $0.00 Kids' Event Items $0.00 Raffle Tickets/Prize $23.96 $1,330.00 $105.44 $1,459.40 Tents/PA rental Plus 2 techs/steps $169.99 $1,000.00 $1,169.99 Subtotal $0.00 $0.00 $0.00 $23.96 $169.99 $4,023.42 $105.44 $0.00 $0.00 $0.00 $0.00 $0.00 $4,322.81 Ent Marketing Costs Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YEAR T-shirts $578.75 $578.75 Flyers $50.13 $50.13 Postcards/sandwich board $67.99 $77.43 $145.42 Social Media $0.00 Photographer $500.00 $500.00 Video $2,000.00 $2,000.00 Subtotal $0.00 $0.00 $0.00 $0.00 $696.87 $2,577.43 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3,274.30 Ent Other Fees Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YEAR Flag $0.00 $111.82 $111.82 Liquor License Fee $0.00 $0.00 go placeholder is in this cActual Expenses 220-46500-307Joe Town Blocks 2024 27 Subtotal $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $111.82 $0.00 $0.00 $0.00 $0.00 $0.00 $111.82 Tot TOTAL Planned Expenses Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Year Monthly Actual Expenses $0.00 $0.00 $0.00 $23.96 $866.86 $7,320.85 $217.26 $0.00 $0.00 $0.00 $0.00 $0.00 $8,428.93 TOTAL Actual Expenses $0.00 $0.00 $0.00 $23.96 $890.82 $8,211.67 $8,428.93 $8,428.93 $8,428.93 $8,428.93 $8,428.93 $8,428.93 Page 2 of 228 E ntEn Tip Pla PLANNED REVENUES JAN FEB MAR APR MAY JUN JUL AUG SEPT OCT NOV DEC YEAR Ent Revenue Sources Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YEAR Transfer from EDA $9,000.00 $9,000.00 Raffle 50/50 $5,000.00 $5,000.00 $10,000.00 $20,000.00 Dunk Tank $0.00 $0.00 $625.00 $625.00 Other - Vendor Registration Fees $500.00 $500.00 Total Revenues $0.00 $0.00 $0.00 $14,500.00 $5,000.00 $10,625.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $30,125.00 Pla ACTUAL REVENUES JAN FEB MAR APR MAY JUN JUL AUG SEPT OCT NOV DEC YEAR Ent Revenue Sources Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YEAR Transfer from EDA $9,000.00 $9,000.00 Raffle 50/50 $2,660.00 $2,660.00 Dunk Tank $1,210.00 $1,210.00 Other - Vendor Registration Fees $600.00 $600.00 Total Revenues $0.00 $0.00 $0.00 $9,000.00 $0.00 $4,470.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $13,470.00 Pla REVENUE VARIANCE JAN FEB MAR APR MAY JUN JUL AUG SEPT OCT NOV DEC YEAR Ent Revenue Sources Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YEAR Transfer from EDA $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Raffle 50/50 $0.00 $0.00 $0.00 ($5,000.00)($5,000.00)($7,340.00)$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ($17,340.00) Dunk Tank $0.00 $0.00 $0.00 $0.00 $0.00 $585.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $585.00 Other - Vendor Registration Fees $0.00 $0.00 $0.00 ($500.00)$0.00 $600.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $100.00 Total Revenues $0.00 $0.00 $0.00 ($5,500.00)($5,000.00)($6,155.00)$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 ($16,655.00) Joe Town Blocks 2024 Detailed Revenue 220-46500-34410 go placeholder is in this c Tip: HOW TO USE THIS TEMPLATE Input data in the white cells on the PLANNED EXPENSES and ACTUAL EXPENSES worksheets, and the EXPENSE VARIANCES and EXPENSE ANALYSIS will be calculated for you. If you add a row on one sheet, the other sheets need to match. 29 EDA Agenda Items 5-7 MEETING DATE: July 16th, 2024 AGENDA ITEMS: 5, 6, 7 PREVIOUS BOARD ACTION: 5 – EDA supported Joetown Blocks in 2024 through an allocation of EDA funds. 2025 Request has not been discussed. 6 – input provided last month 6a – none but in the past City has supported grant submittals 7 – none BACKGROUND INFORMATION: 5 – Joetown Blocks 2024 recap and 2025 Budget request The CVB discussed their totals for the Joetown Blocks event. Totals are as follows: •Total expenses - $10,028 (attached budget does not include 3 other invoices received) •Original budget - $9,000 •Total Revenue - $3,140 •Total funds left over for 2025 - $2,112 The budget was recapped at the CVB meeting on July 8th. The CVB would like to request an allocation of $10,000 from EDA funds to go towards the event in 2025. Lodging tax has been down a lot this year. Part of the theory is due to the Highway 75 bridge work and road being closed (Rodeway Inn is the biggest lodging tax payer). Staff use the existing year proceeds and lodging revenue to forecast the budget for the next year. Typically CVB has between $15,000- $17,000 and next year the forecast is only $11,000. Given there are fixed costs for the CVB Director stipend at $9,000 annually and website maintenance close to $800 this does not give CVB a lot of wiggle room in the budget if the forecast for revenue holds true. CVB has $20,000 in reserves but prefers not to tap into the reserves unless they absolutely have to. 6 – Budget Discussion After discussion last month staff does not have anything else to add/request except for item 6a. 6a – Central MN Housing Partnership Grant Idea In the past the city has utilized the Central MN Housing Partnership to assist with grant writing, implementation, and tracking as it pertains to the Small Cities Development Program. The Small Cities Development program helps provide funds to the community for a multitude of things including: Housing Grants Funds are granted to local units of government, which, in turn, lend funds for the purpose of rehabilitating local housing stock. Loans may be used for owner-occupied, rental, single-family or multiple-family housing rehabilitation. Loan agreements may allow for deferred payments or 30 immediate monthly payments. Interest rates may vary, and loan repayments are retained by grantees for the purpose of making additional rehabilitation loans. In all cases, housing funds must benefit low- and moderate-income persons. In the past the city has targeted owner-occupied areas like those homes that are between Baker St E to Dale St E on the South and 12th Ave SE to 7th Ave SE East to West. The attached program sheet highlights the costs to have the Central MN Housing Partnership complete the various steps of the grant which include: •$1,750 Preliminary Proposal preparation fee •$1,750 full application prep and submission •$8,000 total for full implementation and grant tracking or $2,000 for first year, $3,000 for 2nd year, $3,000 for third and final year. The city has tapped into this program in the past, partnered with Central MN Housing Partnership and as a result seen great success and interest (residents will still occasionally inquire about available funds). Previously the targeted areas were for owner occupied homes. If this initiative is supported by the EDA and City then staff would invite staff from Central MN Housing Partnership to the next EDA meeting. Purpose would be to discuss potential project ideas, ask questions, and provide direction. If supported staff asks the EDA to think about potential projects (owner occupied areas, rental properties, multi-family rehab, etc.) Timelines of the grant is shown below and includes some submittals in 2024 •Applications for the next grant cycle are typically available in September. CMHP would complete a windshield survey to gauge need CMHP would complete interest survey mailers to gauge interest One City Council appearance to approve some paperwork for the preliminary proposal •Preliminary Proposal is typically due in November. One City Council Hearing open to public input and any remaining document needs •Full Application is typically due in April. •Grant award announcement is then in September. CMHP will complete a Broad-level Environmental Review •Grant kickoff meetings late Winter/early Spring. CMHP administers the grant until completionStaff would be asking for recommendation from EDA on support of this initiative. EDA Fund 225 which is titled “DEED CDAP Housing Grant” can be used towards support of the funds needed to have CMHP write, implement, and administer the grant. $56,868 is current balance of the fund. Given the EDA has Housing and Redevelopment Authority Statutory Authority use of these funds would be a good fit. Also, of note is this comment from CMHP staff: Something to discuss on the financial commitment side besides Administration Fees to CMHP, would be to have a conversation about ‘leverage funds’. We mention the $8,000 over three years is listed as leverage funds in the application. Leverage funds help strengthen your application in the eyes of MN DEED. So, when you are talking about budget, also have a discussion on if & how much St Joseph would be willing to contribute to each project to help the property owners. Whether it be for Owner-Occupied only, or additionally Rental, Multi-family Rental per unit, Commercial, the city can offer funds to owners and set up a repayment 31 structure as well (i.e. 1%, 5-yr, installment loan or 0 %, 7-yr, deferred & forgivable like the SCDP funds). We can discuss the different ways to breakdown repayments if that is what the city is interested in. More background on the Small Cities Dev. Program can also be found at: https://mn.gov/deed/ government/financial-assistance/community-funding/small-cities.jsp 7 – General Business updates Updates will be provided for the Synergy Site, Hansen and Company, Retention Visit with Chiropractic Connection, Industrial Park development, Housing developments BUDGET/FISCAL IMPACT: None ATTACHMENTS: Joetown Blocks expense and revenue Central MN Housing Partnership Grant Proposal sheet REQUESTED BOARD ACTION: 5 – action on the CVB request for Joetown Blocks supporting a request of $10,000 from EDA funds towards the event for 2025 6 – none 6a – action on supporting the Grant idea with 2025 Budget funds 32 1 Central Minnesota Housing Partnership, Inc. Small Cities Development Program Services Preliminary Proposal Full Application Writing General Program Administration Central Minnesota Housing Partnership provides the following grant writing services to cities or counties wishing to apply for funding through the Department of Employment & Economic Development Small Cities Development Program. Preliminary Proposal Prep & Submission Work with city to define the proposed activities of the program Conduct windshield surveys to determine condition of housing stock/commercial properties and estimate per unit rehabilitation cost Work with city and/or other local groups to design program financing and determine matching resources Research and compile demographic data pertaining to residents and properties Determine initial program budget based on average costs, matching resources and number of units proposed Conduct community meetings and provide additional outreach to generate interest lists Write narrative section of preliminary proposal and organize demographic information Submit completed preliminary proposal to DEED by [application deadline date]. Preliminary Proposal preparation fee: $1,750 - city located within 30 miles of CMHP office $2,000 - city located 31-60 miles of CMHP office $2,250 - city located over 60 miles of CMHP office Full Application Prep & Submission Collection of all housing and household data requested in the full application Attending city council meeting(s) to provide program and application updates, and to request the required city resolution approving participation in the program Work with city to finalize program policies and procedures Conduct a public hearing(s) as required Conduct additional initial outreach and marketing as needed to create interest in the program Compile all data to complete all narrative sections of the application Organize all required addendums to full application Submit completed application to DEED by [application deadline date]. Full Application preparation fee: $1,750 - city located within 30 miles of CMHP office $2,000 - city located 31-60 miles of CMHP office $2,250 - city located over 60 miles of CMHP office 33 2 Central Minnesota Housing Partnership may provide the following general administrative services to cities or counties receiving funding through the Department of Employment & Economic Development Small Cities Development Program. Implementation/General Administrative Services (information applies only if the grant application is awarded by DEED) CMHP will provide implementation services for the SCDP grant award, as well as general and field administration services for all applicable rehabilitation activities. Costs associated with administration of the grant will be shared by the City and covered as part of the SCDP grant award. A request for general administration funds is included with the program budget submitted with the application. A per unit administrative cost is multiplied by the total number of proposed units to determine full administration request, typically $2,800-$3,000 per project/unit. The City will be responsible for $8,000.00 to be paid to CMHP for administrative costs not covered by the grant. The payments will be broken down over the three-year life of the grant as follows: $2,000.00 on June 15th, 20xx, $3,000.00 June 15th, 20xx, and $3,000.00 June 15th, 20xx. The $8,000.00 will be used as leveraged funds in the grant application. General Administration: this includes the initial implementation activities and overall project management throughout the grant period. Services provided by CMHP staff include: Environmental clearance Fair Housing Equal Opportunity requirements Development of specific policies and procedures for rehab activities Marketing of program Labor standards requirements (if applicable) Financial requirements Annual Reporting to DEED General administration will include all field administration activities. Services provided by CMHP staff include: Applicant application processing and approval/denial Property inspections Scope of work creation Bid package preparation Contractor selection with owner Loan origination/match funds Construction management Partial payment and final inspections Final project close-out 34 3 Additional information pertaining to field administration activities: Application: Interested property owners are required to complete a program application. Third party verifications are performed to document eligibility. Property Inspection: Each property will be inspected by CMHP staff to identify required repairs and determine other repairs deemed necessary through communication with the owner. Scope of Work: CMHP will develop specifications outlining in detail the work to be done and how the work will be done. CMHP will get final scope of work approval from owners and bid packets will be sent to local contractors selected by owners. Bid Awards: It is the owner’s responsibility to accept or reject bids. CMHP staff will provide guidance to applicants during the bid selection process. Construction Contract: The construction contract is between the owner and the selected contractor. CMHP will facilitate the execution of the contract. Repayment Agreement: The owner will enter into a repayment agreement with the city. Loan terms are determined by what has been established by the city and CMHP during the grant application process. Notice to Proceed: Once a contract is signed, loan documents are executed and all project funding is secured, CMHP will provide a letter to the contractor stating they may start construction on the project. Payments: Payments can be made by progress draws or when all work has been completed. In order to receive payment contractors must submit an invoice for payment, provide signed lien waivers and participate in a draw inspection. Owners sign off on release of funds for work done. Project Completion: Upon completion, the repayment agreement is filed at the County Recorder’s Office and all final paperwork is completed and filed. 35