Download - National VOAD Rental Guidance Document€¦ · Because of funding limitations, however, it may be necessary to look at repair on rental property on a case-by-case basis. • Some

RatifiedbytheNVOADBoardFebruary2018

NationalVOADRentalGuidanceDocument

GoalandpurposeThisdocumentisdesignedtogiveinsighttoLongTermRecoveryGroups(LTRG)and/orvoluntaryagencieswhenconsideringtherepair/rebuildingofrentalpropertiesthathavebeenaffectedbythedisaster.

NVOADdefinitionofadisasterAdisasterisanaturalorhuman-causedincidentthatdisruptsnormallife,causingphysicaland/oremotionaltraumaand/ordamagetopropertyand/orcommunityinfrastructure.Disastersmayincludehurricane,tornado,windstorm,flood,tidalwave,tsunami,earthquake,volcaniceruption,landslide,mudslide,snoworicestorm,wildfire,explosion,actsofpublicviolenceorterrorism,orotherhumancausedortechnologicaleventsinvolvingtoxicand/orradiologicalmaterials,etc.

Generalconsiderations:Dependingonthesizeandscopeofthedisasterandtheavailabilityoftheaffordablehousingstock,rentalunitsmayplayahugeroleinplacingsurvivorsintoamorepermanenthousingsolution.Communitiesmayhavealargerentalpopulationandnotaddressingtherepairofthesepropertiescouldchangetheentireface,demographics,cultureandeconomyofacommunity.Informationonhowmanyrentalpropertiesareaffected,aswellas,incomparisontootherpropertiescanbeobtainedfromaFEMARoutineUseReport.Thelocalcommunityisveryinterestedinretainingthecommunitypopulationandcharacter.

Severalfactorsmustbeconsideredtodetermineifrepairingrentalunitsfitsintoyourmission.Arentalcomplexwithmorethanfour(4)unitsisconsideredacommercialpropertyandwillnotbeconsideredinthisdocument.

Iftherentalpopulationishighintheaffectedcommunity,herearesomeelementstoconsiderwhendiscussinghelpforrentalproperties:

• Withholdinghelpwillpreventlargenumbersofthecommunityfromreturningasconsumers,employees,students,taxpayersandevenrecoveryleaders.

• Oftenrentaltenantscomprisethemostvulnerableofthepre-disasterpopulation.Theirlossofaffordablehousingmaycompoundtheirsituation.

• Somebusinesseswillnotreopenuntilacertainamountofthepopulationhasreturnedwhichaffectstheeconomyandtheavailabilityofjobsandservicesforhomeowners.

• Ahighnumberofdamagedrentalpropertiesaffectsthelivelihoodsofthoseowners/landlordsandtheirabilitytorebuildtheirownhomesorstayinthecommunity.

• Keepingextendedfamiliesinonecommunitymaybeaprioritytotheirhealthandwelfare.


AllrequestsforassistancemustcomethroughtheDisasterCaseManagementprocess,tenantand/orowner/landlord.ThetenantmayqualifyforassistancefromtheLTRGorvoluntaryagencytoassistwithpersonalpropertyand/orotherservicesthatdonotincludetherepair/rebuildingoftherentalproperty.

CriteriaBeforeconsideringifrepair/rebuildingassistancemaybeavailableforowners/landlordsofrentalunits,asetofeligibilitycriteriamustbeestablished.Criteriamaydifferfromoneresponsetoanother,dependingonthefinancialandmaterialresourcesavailabletotheLongTermRecoveryGroup(LTRG)ineachaffectedcommunityorvoluntaryorganization/agencydoingthework.

Herearesomeimportantconsiderationswhensettingthesecriteriaguidelines:

• Thecommunitymayviewthisassistanceasbeingavailableforallwhomeetthecriteria.Becauseoffundinglimitations,however,itmaybenecessarytolookatrepaironrentalpropertyonacase-by-casebasis.

• Someowners/landlordsmayhavemultiplerentalproperties,astheironlyincomesource.Itwillbeimportanttodeterminehowmanyrentalpropertieswillberepaired/rebuiltperowner/landlord.Aduplexorotherrentalpropertymaybeessentialtotheowner’slivelihood.

• Itisalsonecessarytoestablishincomeguidelines.Anowner/landlordmayhaveapropertythatisoccupiedbyafamilymemberandmakeslittletonoincomefromthatrentalproperty.Oftenthisfamilymemberispartofavulnerablepopulation.Itisimportanttorememberincomeisnotwhatisreceivedfromtherentalproperty,butwhatremainsafterexpenses.

TherearemanywaystoverifyownershipofthepropertyWarrantyDeedThemostcommontypeofdeedisageneralwarrantydeed,whichshowsthatthegrantortransferredcleartitletothecurrentowner.Theactualdeedtothepropertyshowsthenameofthecurrentownerandadescriptionoftheproperty.Thedeedwillbesignedbythepreviousownerorgrantoroftheproperty.

Recorder'sOfficeAproperlyrecordeddeedbecomespublicrecord,andyoucanpurchasecopiesofarecordeddeedatthecountyrecorder’sofficetodemonstrateproofoflandownership.

DeedofTrustSomestatesrequirelenderstoexecuteadeedoftrustwhenaborrowerpurchasesapropertyusingamortgage.Acopyofthedeedoftrustisalsoavailableatthecountyrecorder’soffice.

MortgageNoteInadditiontousingthepropertydeedtoprovelandownership,themortgagenotealsoindicatesthattheborrowerownsapropertythatincludesamortgagelien.

SatisfactionofMortgageLetter


Themortgageborrowercompletesthepaymentobligationunderamortgage,thelendermusttenderasatisfactionofmortgagelettertotheborrower.Thislettermayalsobeusedtoprovelandownership.Asatisfactionofmortgagetoshowwhohasthecleartitletotheproperty.

PropertytaxrecordsInmanystatesthisinformationisavailableonlinebycountywhichshowsthenameofthepropertyowner.

TypesofservicesthatmaybeconsideredEvenafterdecidingyouragencyorLTRGwillprovidesupporttotherecoveryofrentalproperties,therearevarioustypesofservicestoconsiderproviding.Thismayinclude:

• Offeringfundingforrepairorreplacementofthefurnaceorotheressentialutilitiesthatareconsideredlifesustaining.

• Assistancetohireprofessionalcontractorsrequiredtocompletethework.Contractswithhiredcontractorsshouldbebetweentheownerandcontractor.Thisgivesanywarrantytotheowner,eveniftheUnmetNeedsCommitteeoragencypaysforthecontractor.

• Repairstoaculvertorbridge,ifaccesstothepropertyhasbeencompromised.

• Muckoutoftheproperty.Somevoluntaryagenciescanprovidethisservice.Whenofferingcleanupservices,itisimportanttoreceivepermissionfromtheowner/landlordandtenant,sincetheremaybetheremovalofphysicalandpersonalproperty.Itisimportanttorememberthiswillnotnecessarilyensurethetenantisabletoreturnhome.

• Rebuildingand/orrepairstothestructure.Theorganizationsthatmuckoutthepropertiesmaynotrebuildaswellsotherewouldneedtobeotherarrangementsdevelopedifthatisthecase.

IdentifypossiblefundingsourcesTheDisasterCaseManagerwillworkwiththeownertoidentifyanyresourcestheownermayhaveavailable,suchasinsurance,orapplyingforaSBAloanorprivateloan.Itmaybenecessarytoidentifypotentialfunderswhocanfundrepair/rebuildingofrentalproperties,sincemanyagencieshaveguidelinesthatrestrictfundingonrentalproperty.Theremaybeaneedtoinvestigategrantsthatmaybeavailable.Itisimportanttoinvitethelocalnon-profitand/orbusinesscommunitiestobeattheunmetneedstable,sincetheyhaveadesiretoassisttheirlocalcommunity,theymaybeabletoofferlimitedfundingtoclients.

EstablishacontractItisimportantthatacontractbewrittenbetweentheowner/landlordandthetenant.Occasionally,legalprofessionalswilldonatetheirservicestotheLTRGoranonprofitagencymaybepartoftheLTRG.Thecontractshouldincludeinformationontheamountchargedforrentandlengthoftimethecontractistobeenforced,followingrepairsmadeorfundedbytheLTRG.Itshouldalsocontaininformationon


theprocedureandrequirementsregardingifthepropertyissold,orthetenantisnotabletostayintherentalproperty.Thereshouldbelanguageinthecontractthatidentifiesthepreviousleaserequirementstoremainthroughthedurationofthiscontract.

Download - National VOAD Rental Guidance Document€¦ · Because of funding limitations, however, it may be necessary to look at repair on rental property on a case-by-case basis. • Some

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