designing, constructing and financing healthy housing - mark salerno, cmhc

Presenter :

Mark SalernoCanada Mortgage & Housing Corporation

Designing, Constructing &

Financing Healthy Housing

Presented to Participants

of Project Neutral

Agenda:

1. CMHC Research

a. Healthy HousingTM

b. FlexHousingTM

2. Renovation Case Studies

a. Now House

b. Federal Home Energy Audit

3. Financing

Designing, Constructing & Financing Healthy Housing

Chain

of

Players

RESEARCHResearching

Demonstrating

Educating

Inspiring

FINANCEEnabling

Purchase

Allowing

Adoption

Extending

Benefits

Helping All

Canadians

INTERNATIONAL

AFFORDABLE

HOUSING

Tapping

World

Markets


Designing & Constructing

CMHC Team


CMHC Team

Research

Chain

of

Players

RESEARCHResearching

Demonstrating

Educating

Inspiring

FINANCEEnabling

Purchase

Allowing

Adoption

Extending

Benefits

Helping All

Canadians

INTERNATIONAL

AFFORDABLE

HOUSING

Tapping

World

Markets


Agenda:

1. CMHC Research


b. FlexHousingTM


a. Now House


3. Financing


BeforeTypical Post

WWII Home

EnerGuide Scale

0 –20 21 – 49 50 – 79 80 – 100Least

EfficientMost Efficient

48

Typical Post

WWII Home


Typical Post

WWII HomeNow HouseOne small house.One million opportunities.

EnerGuide Scale

0 –20 21 – 49 50 – 79 80 – 100Least


48 94

After

Typical Post

WWII Home

Now HouseOne small house.One million opportunities.

How Do

We Get

there?



CMHC Research Themes

HEALTHY

INDOORS

ENERGY

MATERIALSWATER

LAND

USE HEALTHY

HOUSING


ACCESSIBLE

AFFORDABLE ADAPTABLE

FLEX

HOUSING




HEALTHY

HOUSINGFLEX

HOUSING




HEALTHY

HOUSING




Healthy HousingTM

HEALTHY

INDOORS

Improved

IAQ




Healthy HousingTM

HEALTHY

INDOORS

• Control Moisture

• Control Mould

Improved

IAQ




Healthy HousingTM

HEALTHY

INDOORS


• Control Mould

• Select Non-Toxic Products

(Low VOC Coatings, Sealants)

Improved

IAQ




Healthy HousingTM

HEALTHY

INDOORS


• Control Mould

• Select Non-Toxic Products

(Low VOC Coatings, Sealants)

• Install Effective Ventilation (Heat Recovery Ventilator)

Improved

IAQ




Healthy HousingTM

ENERGYEnergy

Efficiency




Healthy HousingTM

ENERGY

• Passive Solar Design

Summer Rays Shaded

Winter Rays Enter & Warm

Passive Solar Design

Energy

Efficiency




Healthy HousingTM

ENERGY


• Insulation & Air Tightness

Summer Rays Shaded



Energy

Efficiency




Healthy HousingTM

ENERGY



• Lighting, Appliances,

Heating & CoolingSummer Rays

Shaded



Energy

Efficiency




Healthy HousingTM

ENERGY



• Lighting, Appliances,

Heating & Cooling

• Renewable Energy

(Active Solar & Wind Power)

Summer Rays Shaded



Energy

Efficiency




Healthy HousingTM

MATERIALSMaterial

Efficiency




Healthy HousingTM

MATERIALS

• Durable Assemblies

Material

Efficiency




Healthy HousingTM

MATERIALS


• Reclaimed Material

Material

Efficiency




Healthy HousingTM

MATERIALS



• Waste Diversion

• During Construction

Material

Efficiency




Healthy HousingTM

MATERIALS



• Waste Diversion

• During Construction

• During Occupancy

Material

Efficiency




Healthy HousingTM

WATERWater

Efficiency




Healthy HousingTM

WATER

• Low-Consuming Planting

• Indigenous Species

Water

Efficiency




Healthy HousingTM

WATER



• Fixtures/Appliances

Water

Efficiency




Healthy HousingTM

WATER




• Rainwater Re Use

Water

Efficiency




Healthy HousingTM

WATER




• Rainwater Re Use

• Grey Water Re Use

• Black Water Re Use

Water

Efficiency




Healthy HousingTM

LAND USELand Use

Efficiency




Healthy HousingTM

LAND USELand Use

Efficiency

• Retain Trees




Healthy HousingTM

LAND USELand Use

Efficiency

• Retain Trees

• Storm WaterStorm Water Management




Healthy HousingTM

LAND USELand Use

Efficiency

• Retain Trees

• Storm Water

• Green Roofs

Storm Water Management




Healthy HousingTM

LAND USELand Use

Efficiency

• Retain Trees

• Storm Water

• Green Roofs

• Intensification

Storm Water Management




Healthy HousingTM

FLEX

HOUSING




Healthy HousingTM



FlexHousingTM

ACCESSIBLEAccessibility


• Curbless Entry





FlexHousingTM

• Curbless Entry

• Accessible Switches





FlexHousingTM

• Curbless Entry



42”18”




FlexHousingTM

• Curbless Entry


• Manoeuvring Space


42”18”




FlexHousingTM

• Curbless Entry


• Manoeuvring Space

• Safety Provisions


42”18”




FlexHousingTM

Adaptability ADAPTABLE




FlexHousingTM

• 2-Flr Home

Duplex





FlexHousingTM

• 2-Flr Home

Duplex

• Bathroom





FlexHousingTM

• 2-Flr Home

Duplex

• Bathroom

Laundry





FlexHousingTM

• 2-Flr Home

Duplex

• Bathroom

Laundry

• Office/Living





FlexHousingTM

• 2-Flr Home

Duplex

• Bathroom

Laundry

• Office/Living

Bedroom





FlexHousingTM

Demonstration Homes Across Canada

www.cmhc.ca (Key Word: Equilibrium)




Healthy HousingTM & FlexHousingTM

http://www.cmhc.ca/newcomers/




Healthy HousingTM & FlexHousingTM

Agenda:

1. CMHC Research


b. FlexHousingTM


a. Now House


3. Financing


TYPICAL POSTWWII HOME

EnerGuide Scale

0 –20 21 – 49 50 – 79 80 – 100Least


48


ACCESSIBLE HOUSINGAFFORDABLE HOUSINGRESILIENT HOUSING


EnerGuide Scale

Most Efficient

0 –20 21 – 49 50 – 79 80 – 100Least

Efficient

48

Now House One small house.One million opportunities.

Most Efficient




EnerGuide Scale

0 –20 21 – 49 50 – 79 80 – 100Least

Efficient

48


Most Efficient




EnerGuide Scale

0 –20 21 – 49 50 – 79 80 – 100Least



48 94




EnerGuide Scale

0 –20 21 – 49 50 – 79 80 – 100Least

Efficient


31 2 4 5

NEIGHBOURHOOD RENOVATION PROJECT

35 7928 79 18 7755 74 55 81

38 78Average Average

Most Efficient


Federal Home

Energy Audit



Federal Home Energy Audit

Case Study

Gather Data

Produce Report

1: Hire Energy Advisor

a) Sign-up On-Line*b) Perform Energy Evaluationc) Pre-Retrofit Report Cost $400

Federal Home

Energy Audit




Case Study

Gather Data

Produce Report


a) Sign-up On-Line*b) Perform Energy Evaluationc) Pre-Retrofit Report

Federal Home

Energy Audit

Cost $400

* http://oee.nrcan.gc.ca/residential/personal/retrofit-register/register.cfm




Case Study

http://oee.nrcan.gc.ca/residential/personal/retrofit-register/register.cfm




a) Sign-up On-Lineb) Perform Energy Evaluationc) Pre-Retrofit Report

Current

Potential

Produce Report

Federal Home

Energy Audit

Cost $400




Case Study

$250-1,000 $500/unit $3,500 $800

2: Undertake Upgrades

a) Review Pre-Retrofit Reportb) Select Energy Upgradesc) Undertake Upgrades by 3/31/12

$2,000Cost = $200

** CSA Approved & 6,000 MJ/Yr

Federal Home

Energy Audit

$5,500

Cost

Spray

Foam

Insulation

Insulation Windows Furnace Heat Recovery

Ventilator

Drain

Water

Heat

Recovery

Solar Thermal

Water Heating

$15,000




Case Study

UpgradeEstimated

Installed Cost

Impact on

Gas Bill

Spray Foam Insulation $200 Before:

$2,565 Yrly

After:

$1,340Yrly

Savings:

$1,225Yrly

Payback:

12.24Yrs

Insulation $1,000

Windows (4 Units) $2,000

Furnace/Boiler $3,500

Heat Recovery Ventilator $2,000

Drain Water Heat Recovery $800

Solar Thermal Water Heating $5,500

TOTALS $15,000




Case Study

3: Call Energy Advisor

a) Review Post-Retrofit Evaluationb) Confirm New Energy Rating*c) Application Submitted

Realtor ® ConsiderationsSeller – List with Evaluation / Rating / Construction Estimate• Shows Efficiency or Opportunities; Financing via Purchase + Improvements

Buyer – Undertake Evaluation Before Closing (2 Visits)• Evaluation / Contractor Estimate / Financing via Purchase + Improvements

Federal Home

Energy Audit

* Present all receipts to energy evaluator at time of post-retrofit evaluation

Cost $150

TREB Form 283:

Green Property

Information

Statement




Case Study

Agenda:

1. CMHC Research


b. FlexHousingTM


a. Now House


3. Financing


Designing & Financing

CMHC Team

Finance

Chain

of

Players

RESEARCHResearching

Demonstrating

Educating

Inspiring

FINANCEEnabling

Purchase

Allowing

Adoption

Extending

Benefits

Helping All

Canadians

INTERNATIONAL

AFFORDABLE

HOUSING

Tapping

World

Markets


Chain

of

Players

RESEARCHResearching

Demonstrating

Educating

Inspiring

FINANCEEnabling

Purchase

Allowing

Adoption

Extending

Benefits

Helping All

Canadians

INTERNATIONAL

AFFORDABLE

HOUSING

Tapping

World

Markets



CMHC Team

Finance

Home

Buying

Step by Step

FINANCEEnabling

Purchase

Allowing

Adoption



Homebuying Step by Step

Home

Buying

Step by Step

2 Are You

Financially

Ready?

3 Which Home

is Right for You? 4 The Homebuying

Process

5 Now that

You’re a

Homeowner

1 Is Homeownership

Right for You?




Home

Buying

Step by Step

2 Are You

Financially

Ready?

3 Which Home


Process

5 Now that

You’re a

Homeowner

1 Is Homeownership

Right for You?




Are You Financially Ready?

Total Debt

Service Ratio

(TDS)

2 Are You

Financially

Ready?

3 Which Home


Process

5 Now that

You’re a

Homeowner

1 Is Homeownership

Right for You?

= PRINCIPAL + INTEREST + TAXES + HEATING +40% GROSS

MONTHLY

INCOME (MORTGAGE)

* Ask Your Lender about how they address heating costs

OTHER

DEBT(Car)

“LEGAL” Suite:

Include 50% of

Gross Income

“LEGAL” Suite:

Exclude 100% of

Property Taxes & Heating

Buy city home

& scale back

to “1” car

With more income & reduced

expenses qualify

for more Mortgage




Total Debt Service Ratio

www.cmhc.ca




Online & Hard Copies Available

Green Mortgages

Cash Rebate

• 4-7% Cash Back on Mortgage• $300,000 x 7.0% = $21,000

Possible Purchases• Land Transfer Tax• Lawyer's Fees• Moving Costs• Closing Costs• Energy Upgrades

Your

Lender

Various Financial

Products

Purchase + Improvements

• Purchase Price Loan + Extra Amount for Renovations



Mortgage Financing

Various Products Available

CMHC Green Home Example:

• $300,000 Loan, 5% down, 30yr Amortization• Mortgage Loan Insurance (MLI) Premium• $8,250 MLI Premium (2.75% of loan)• $600 Amortization Surcharge (+ 0.2% for every 5

years of amortization beyond the 25 years)

Green Home Rebate & Waiver:

• $8,250 x 10% = $825 Rebate + $600 Waiver

Terms• Enroll in ecoENERGY• Increase by min. 5 Pts• Min. Score of 50

Mortgage

Loan

Insurance

Rebates



Mortgage Financing

CMHC Green Home Rebate

Designing, Constructing

& Financing

www.ecoaction.gc.ca/


microfit.powerauthority.on.ca



& Financing

Demonstration Homes Across Canada

www.cmhc.ca (Key Word: Equilibrium)



& Financing

Presenter :

Mark SalernoCanada Mortgage & Housing Corporation

Designing, Constructing &

Financing Healthy Housing

Presented to Participants

of Project Neutral

designing, constructing and financing healthy housing - mark salerno, cmhc

Documents

extending

internationaltapping

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summer rays

passive solar

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