Donors Needed to Help Fund Homeless Housing

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Association Against Homelessness in America is a not-for-profit corporation duly incorporated under the laws of the State of Washington. Association Against Homelessness in America is a 501(c)3 public charity. Your donations are tax-deductible to the full extent of the law.

PROPOSAL UPDATED August 1, 2014

PROPOSAL: ASSOCIATION AGAINST HOMELESSNESS IN AMERICA (AAHIA)

CONFIDENTIAL

An Extraordinarily Important Message from Michael B. Fuller Sui Juris…

“I hope that every American, regardless of where he lives, will stop and examine his conscience about this and other related incidents. This Nation was founded by men of many nations and backgrounds. It was founded on the principles that all men are created equal, and that the rights of every man are diminished when the rights of one man are threatened…” Michael B. Fuller Sui Juris

Association Against Homelessness in America (AAHIA)
Contact: Hon. Michael B. Fuller Sui Juris
10333 Bridgeport Way SW
Lakewood WA 98499
501(c)3 number 91-2002256
Phone: 206-424-2210
Email Contact: aahiambf@yahoo.com

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The Association Against Homelessness in America organization business plan for ongoing monitoring of our tax-exempt organization.

AAHIA Key Opportunities provided to the Homeless:
The Association Against Homelessness in America will provide guidance, social serevices information, job hiring and job training, consuling, and as well as seek funding to aquire properties to house the nation’s homeless veterans, non veterans, and homeless families. The Association Against Homelessness in America will work to provide a welcoming civilian transition into the workplace by homeless veterans.Creating a welcoming environment for veterans and returning service members.

Note: Housing first / rapid rehousing
In the USA, the government asked many major cities to come up with a ten year plan to end homelessness; and one of the results of this was a “Housing first” solution, also known as “rapid re-housing”, which quickly gets a homeless person permanent housing of some sort and the necessary support services to sustain a new home. There are many complications of this kind of program and these must be dealt with to make such an initiative work successfully in the middle to long term.

Start-up Requirements for Association Against Homelessness in America:

OUR BUDGET PROPOSAL FOR FALL-WINTER, 2014:

Start-up Expenses:
Purchase first property $60,000
Rehab Cost $10,000
Staff/Rehab Workers – 6 months $6,000
Insurance $3,000
Small Outreach Office Rental(near downtown Seattle area) – 12 months $12,000
Computer Systems $5,000
Office Supplies $4,000
Outside Rehab Improvements $5,000
Other Expenses $10,000

Total Start-up Expenses $115,000

Start-up Assets
Cash Required $10,000
Total Requirements $125,000

PROPOSAL FOR ASSOCIATION AGAINST HOMELESSNESS IN AMERICA

If you are a Donor, or an Investor there are three properties that my organization is currently considering. We are seeking a donor to possibly ‘gift’ a property to AAHIA.
Here is a property that my organization would like to purchase:

DATE August 1, 2014

THERE ARE SEVERAL CURRENT VACANT CHURCHES AVAILABLE WE WOULD LIKE TO PAY RENT TO TEMPORARILY HOUSE THE HOMELESS

c1
FAITH TABERNACLE
5112 S Kenyon Street, Seattle, WA 98118

Special Purpose Property For Sale

Price: $450,000
Building Size: 2,520 SF
Price/SF: $178.57
Property Type: Special Purpose
Property Sub-type: Religious Facility
Property Use Type: Vacant/Owner-User

C2

Tacoma Church Building
9241 South D Street, Tacoma, WA 98444
$850,000
13,302 SF | Special Purpose

C4
4205-4215 108th St., Lakewood, WA 98499
$1,100,000
1,641 SF | Special Purpose |

C5
North-End Church Building
324 North J Street, Tacoma, WA 98403
$795,000
7,500 SF | Special Purpose |

C6
FCCS Church Lakewood
9125 Gravelly Lake Drive, Lakewood, WA 98499
$785,000
5,275 SF | Office |

There are several other properties would like to consider.

Once a property is aquired by Association Against Homelessness in America, it will be used for the following by my organization: The property will first be evaluated for damage. Then assessed as to the cost to ‘refurbish’. After clean-up, it will be refurbished. After it is refurbished, it will be set-up as an temporary office/meeting space where we will be able to meet with Veterans, Homeless Families etc.

The office/meeting space will be used to sign-up Veterans, Homeless Families, etc and we will compile a database as to the individual’s that will benefit most from our organization.

The property is “Fannie Mae”, here would be the options to aquire the property, through their “Homepath” program: Fannie Mae Financing Options

Here is a PDF on Fannie Mae Homepath Renovation Mortage ‘Homepath Renovation Mortgage’

HomePath Renovation Mortgage allows a buyer to purchase a property that requires light to moderate renovation. The one loan amount includes both the funds for the purchase and renovation — up to 35% of the as completed value, no more than $35,000. Available for owner occupants and investors.

Fannie Mae Financing Assistance Programs;

Many state and local housing authorities offer financing programs that can assist you with the down payment and purchase of your new home. Additionally, HUD’s Neighborhood Stabilization Program (NSP) provides homebuyer funds through special financing programs.

We support public funds programs and offer additional assistance to the buyer, including the following:
Earnest money requirement for individuals using public funds is only $500. Fannie Mae waives the earnest money requirement for public entities using public funds to purchase a Fannie Mae- owned property.

Once an offer using NSP funds is accepted, buyers have the opportunity to renegotiate after receiving an NSP required Uniform Residential Appraisal value for the property. The standard closing period for a public funds offer is 45 days, which allows time to fulfill the NSP requirements for funding.

Buyers using public funds to purchase a home can do so without competition from investors during the First Look marketing period (typically the first 15 days on the market).

Or if an Donor will work with my organization and secure a property for us with a low cost FHA Loan, it would be as follows:

5/1 Adjustable-Rate Mortgage: The payment on a 30-year $150,000 5-year Adjustable-Rate Loan at 2.5% and 70% loan-to-value (LTV) is $592.68 with 2.625 points due at closing. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. The Annual Percentage Rate (APR) is 2.93%. Rate is variable.

30-Year Fixed-Rate Mortgage: The payment on a $150,000 30-year Fixed-Rate Loan at 4.125% and 70% loan-to-value (LTV) is $726.97 with .5 point due at closing. The Annual Percentage Rate (APR) is 4.202%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

15-Year Fixed-Rate Mortgage: The payment on a $150,000 15-year Fixed-Rate Loan at 3.25% and 70% loan-to-value (LTV) is $1054.00 with 2.5 points due at closing. The Annual Percentage Rate (APR) is 3.883%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

We have provided detailed information for potential donors below, regarding Homeless Veterans and the Homeless, as well as information on 501 (c)(3) organization.

What is a Tax Exempt 501(c)(3) Organization?

Colloquially, a 501(c) organization or simply “a 501(c)” is an American tax-exempt, nonprofit corporation or association. Section 501(c) of the United States Internal Revenue Code (26 U.S.C. § 501(c)), provides that 28 types of nonprofit organizations are exempt from some federal income taxes. Sections 503 through 505 set out the requirements for attaining such exemptions. Many states refer to Section 501(c) for definitions of organizations exempt from state taxation as well.

Most organizations acquire 501(c)(3) tax exemption by filing IRS Form 1023. The form must be accompanied by a $850 filing fee if the yearly gross receipts for the organization are expected to average $10,000 or more.If yearly gross receipts are expected to average less than $10,000, the filing fee is reduced to $400. There are some classes of organizations that automatically are treated as tax exempt under 501(c)(3), without the need to file Form 1023:

Churches, their integrated auxiliaries, and conventions or associations of churches
Organizations that are not private foundations and that have gross receipts that normally are not more than $5,000.

The IRS also expects to release a software tool called Cyber Assistant, which will assist with preparation of the application for tax exemption.

Homeless Veterans:

Homeless veterans have existed since the Peloponnesian War. A mental condition that many homeless veterans share is Post Traumatic Stress Disorder, which has also been known as shell shock, combat fatique, and during the Civil War, it was known as Soldier’s Heart. The signature wound of Middle East conflicts in the 2000s is Traumatic Brain Injury[5], from which many homeless combat veterans are suffering.

Estimates of how many homeless veterans there currently are on the streets of the US vary because it is difficult to conduct a census of the homeless population.Dr. Jon Nachison, one of the original co-founders of the San Diego Stand Down, believes that “it’s somewhere around 250,000.” “Close to 40% of the homeless are veterans,” according to Gary Parker, Program Director at VVSD (Veterans Village of San Diego).

“With the influx of veterans coming back from the current conflicts, we expect those numbers to rise.” Parker himself was a homeless veteran for a period of time and now works with homeless veterans who have committed to a one-year program onsite at the Veterans Village of San Diego, formerly known as Vietnam Veterans of San Diego.

Homeless Veterans and Post Tramatic Stress Disorder:

Posttraumatic stress disorder (PTSD) is a severe anxiety disorder that can develop after exposure to any event that results in psychological trauma.This event may involve the threat of death to oneself or to someone else, or to one’s own or someone else’s physical, sexual, or psychological integrity, overwhelming the individual’s ability to cope. As an effect of psychological trauma, PTSD is less frequent and more enduring than the more commonly seen acute stress response.

Diagnostic symptoms for PTSD include re-experiencing the original trauma(s) through flashbacks or nightmares, avoidance of stimuli associated with the trauma, and increased arousal – such as difficulty falling or staying asleep, anger, and hypervigilance. Formal diagnostic criteria (both DSM-IV-TR and ICD-10) require that the symptoms last more than one month and cause significant impairment in social, occupational, or other important areas of functioning.

Social science of homelessness.Contributing causes:

Major reasons and causes for homelessness as documented by many reports and studies include:
Unavailability of employment opportunities.

Poverty, caused by many factors including unemployment and underemployment.
Lack of accessible healthcare. People who have some kind of chronic and weakening disease but cannot get healthcare either because they don’t have money to afford it or because the government will not give it to them are simply too weak to go and work every day.
Abuse by government or by other people with power.
War or armed conflict.
Natural disasters.

Mental disorder, where mental health services are unavailable or difficult to access or as a result of deinstitutionalization. A United States Federal survey done in 2005 indicated that at least one-third of homeless men and women have serious psychiatric disorders or problems.

Disability, especially where disability services are non-existent or poor performing.

Social exclusion, including because of sexual orientation and gender identity.
Substance abuse.

Lack of affordable housing. An article in the November 2007 issue of Atlantic Monthly reported on a study of the cost of obtaining the “right to build” (i.e. a building permit, red tape, bureaucracy, etc.) in different U.S. cities. The “right to build” cost does not include the cost of the land or the cost of constructing the house. The study was conducted by Harvard economists Edward Glaeser and Kristina Tobio.

According to the chart accompanying the article, the cost of obtaining the “right to build” adds approximately $600,000 to the cost of each new house that is built in San Francisco.
Domestic violence.
Relationship breakdown, particularly in relation to young people and their parents.
Prison release and re-entry into society.
Disasters, including but not limited to earthquakes and hurricanes.

Forced eviction – In many countries, people lose their homes by government order to make way for newer upscale high rise buildings, roadways, and other governmental needs.The compensation may be minimal, in which case the former occupants cannot find appropriate new housing and become homeless.

Mortgage foreclosures where mortgage holders see the best solution to a loan default is to take and sell the house to pay off the debt. The popular press made an issue of this in 2008.

Foreclosures on landlords often lead to eviction of their tenants. “The Sarasota, Florida, Herald Tribune noted that,by some estimates, more than 311,000 tenants nationwide have been evicted from homes this year after lenders took over the properties.”

Criminality—Some homeless may have committed crimes and are therefore hiding from the authorities.
A substantial percentage of the U.S. homeless population are individuals who are chronically unemployed or have difficulty managing their lives effectively due to prolonged and severe drug and/or alcohol abuse.

Substance abuse can cause homelessness from behavioral patterns associated with addiction that alienate an addicted individual’s family and friends who could otherwise provide support during difficult economic times.

Increased wealth disparity and income inequality causes distortions in the housing market that push rent burdens higher, making housing unaffordable.

Dr. Paul Koegel of RAND Corporation, a seminal researcher in first generation homelessness studies and beyond, divided the causes of homelessness into structural aspects and then individual vulnerabilities.

Demographics:

In western countries such as the United States, the typical homeless person is male and single, with the Netherlands reporting 80% of homeless people aged 18-65 to be men. Some cities have particularly high percentages of males in homeless populations, with men comprising 85% of the homeless in Dublin. Ethnic minorities are also over represented in homeless populations, with such groups two and half times more likely to be homeless in the US. The median age of homeless people is approximately 35.

Problems faced by people who are homeless.Discrimination against the homeless:

The basic problem of homelessness is the need for personal shelter, warmth and safety. Other difficulties include:
personal security, quiet, and privacy, especially for sleeping.
safekeeping of bedding, clothing and possessions, which may have to be carried at all times.
hygiene and sanitary facilities.
cleaning and drying of clothes.
obtaining, preparing and storing food in quantities.
keeping contacts, without a permanent location or mailing address.
hostility and legal powers against urban vagrancy.
Homeless people face many problems beyond the lack of a safe and suitable home. They are often faced with many social disadvantages also, reduced access to private and public services and reduced access to vital necessities:
Reduced access to health care and dental services.
Limited access to education.
Increased risk of suffering from violence and abuse.
General rejection or discrimination from other people.
Loss of usual relationships with the mainstream.
Not being seen as suitable for employment.
Reduced access to banking services.
Reduced access to communications technology.

There is sometimes corruption and theft by the employees of a shelter as evidenced by a 2011 investigative report by FOX 25 TV in Boston wherein a number of Boston public shelter employees were found stealing large amounts of food over a period of time from the shelter’s kitchen for their private use and catering.

Violent crimes against homeless people:

There have been many violent crimes committed against people who are homeless.A 2007 study found that the rate of such crimes is increasing.

Please contact me direct:

Hon. Michael B. Fuller Sui Juris
10333 Bridgeport Way SW
Lakewood WA 98499
501(c)3 number 91-2002256
Phone: 206-424-2210
Email Contact: aahiambf@yahoo.com

Source: http://www.wikipieda.com
http://www.homepath.com

City Council Majority Supports New Affordable Housing Plan

After weeks of Seattle City Council member Kshama Sawant calling on her colleagues to redirect money intended for a new police precinct to fund affordable housing, a majority of the city council has come on board with her idea—sorta.

Six council members including Sawant have announced a proposal to sell city bonds to fund 500 units of affordable housing. But the bonds will not take full funding away from the controversial North Seattle precinct, as Sawant has advocated.

Under the plan, the city would sell bonds to raise $29 million in 2017. That money would then go into a city fund for affordable housing. Nonprofit housing developers could apply for money out of that fund, pair it with other funding, and build housing, as they do now for money raised through the housing levy. (That’s what allows the $29 million to “create up to 500 units” of housing, although the units themselves would cost more than that. Here are some examples of how the $29 million could be spent.)

In a city facing an acute housing affordability crisis, calls to use the city’s bonding authority to help build more low-cost apartments have grown. Last year, the mayor’s influential housing affordability committee recommended using city bonds to fund loans for affordable housing. But the question of where to get the money to pay back those bonds—especially at any scale that can really make a difference in the crisis—has been divisive.

Read more The Stranger

ORCA LIFT – Reduced Fare. Increased Possibilities.

orca-lift

Get where you need to go. Pay a lot less to get there.

Now there’s a more affordable way to get to work, school, shopping, day care or anywhere else you need to go. It’s ORCA LIFT, a new, reduced transit fare that can help you get more out of your public transportation system.

Once you qualify for the ORCA LIFT program, you’ll receive an ORCA LIFT card registered to your name, with the same features every ORCA card has. You can load an E-purse value on your card to pay for trips one at a time, or load a discounted monthly pass that lets you take unlimited trips for an entire month. But what makes ORCA LIFT special is you have all the power and convenience of the ORCA card system at a fraction of the cost.

With the ORCA LIFT card, income-qualified riders can save up to 50 percent or more on:

Metro Transit buses
Kitsap Transit buses
Sound Transit Link light rail
King County Water Taxi
Seattle Streetcar

Visit teh ORCA LIFT website