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Home My WebLink About2024 Consolidated Annual Performance and Evaluation Report (CAPER) ST. JOSEPH COUNTY HOUSING CONSORTIUM 227 W. Jefferson Blvd. Suite 1300S South Bend, Indiana 46601 Telephone(574)235-9951 Email: federalgrants@southbendin.gov March 3, 2025 Filed in Clerk's Office City of South Bend—Office of the Clerk St. Joseph County Public Library(all branches) Mishawaka Public Library(all branches) Walkerton Public LibraryBianca uth Bo City Clerk, South Bend, IN New Carlisle-Olive Township Public Library City of Mishawaka Planning Department RE: 2024 Consolidated Annual Performance and Evaluation Report (CAPER) Attached is a DRAFT copy of the City of South Bend/ St. Joseph County Housing Consortium 2024 Consolidated Annual Performance and Evaluation Report (CAPER). This document must be made available to the public through March 18, 2025. Your assistance is appreciated. Please feel free to contact me with any questions or concerns at (574) 235-5841 or federalgrants@southbendin.gov. Sincerely, Jennifer Huddleston St. Joseph County Housing Consortium Staff CITY OF MISHAWAKA ■ CITY OF SOUTH BEND ■ ST. JOSEPH COUNTY A DRAFT VERSION AVAILABLE FOR PUBLIC COMMENT FROM MARCH 3, 2025 THROUGH MARCH 18, 2025. 2024 CONSOLIDATED ANNUAL PERFORMANCE AND EVALUATION REPORT FOR THE CITY OF SOUTH BEND COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) & EMERGENCY SOLUTIONS GRANT (ESG) AND THE ST. JOSEPH COUNTY HOUSING CONSORTIUM HOME INVESTMENT PARTNERSHIPS PROGRAM (HOME) ' 4SOu 84. ;jV C t1r PEACE r Umiak %x, 1865 x•''`1 CR-05 - Goals and Outcomes Progress the jurisdiction has made in carrying out its strategic plan and its action plan. 91.520(a) This could be an overview that includes major initiatives and highlights that were proposed and executed throughout the program year. The period from January 1, 2024 through December 31, 2024, is the fifth and final year of the St.Joseph County Housing Consortium and the City of South Bend's 2020-2024 Consolidated Plan (Con Plan). The 2024 Annual Action Plan was approved late in 2024 so many of the projects receiving allocations in 2024 were unable to complete the activity in 2024 and will be reflected on the 2025 CAPER. This explains the lower than expected outcomes. The City of South Bend and the St. Joseph County Housing Consortium, as entitlement communities, receive funding through the Department of Housing and Urban Development (HUD) that includes Community Development Block Grant Program (CDBG) funds, the HOME Investment Partnerships Program (HOME), and the Emergency Solutions Grant Program (HESG). In 2019, the City of South Bend received CARES Act funding (ESG-CV and CDBG-CV). The ESG-CV funds had been exhausted, but a small amount of CDBG-CV funds were utilized and are reflected in this report. The Consortium received an allocation of HOME-ARP funds that were reflected as a substantial amendment to the 2021 Annual Action Plan. The HOME-ARP funds will be used toward the development of a low barrier, non-congregate shelter. While still in the planning and development process in 2024, no HOME-ARP funds were utilized in 2024. Projects funded through CDBG, HOME,and ESG reflect the 2020-2024 Con Plan's identified needs for the City of South Bend and the County of St.Joseph and are primarily focused on addressing the need for more affordable housing in the area. This was achieved through a variety of programs including adding new housing units either through rehabilitation or new construction of units for sale or rent. Mortgage Assistance programs allowed low-to moderate-income (LMI) homebuyers purchase homes that would otherwise be unaffordable to them. Additional programs provided rental assistance for those households struggling to find affordable housing options. Both CDBG and ESG programs assisted vulnerable households to locate and maintain housing through Coordinated Entry, rapid-rehousing assistance, and permanent supportive housing assistance. The Rebuilding Together of St. Joseph County Program served to provide moderate repairs to LMI owner-occupied homeowners to improve the health and safety of their homes. This project is still underway, but 17 households received repairs in 2024. The City of South Bend also worked with partners to encourage and support fair housing education and resources, housing counseling services, and neighborhood foot and bike patrols by the police department in LMI neighborhoods. CAPER 1 OMB Control No:2506-0117(exp.09/30/2021) In addition, the City of South Bend and the Consortium supported affordable housing through five major partners: South Bend Heritage Foundation (SBHF),the Near Northwest Neighborhood, Inc. (NNN), the Northeast Neighborhood Revitalization Organization (NNRO),466 Works Community Development Corporation, and Habitat for Humanity of St.Joseph County. A total of 11 rental units were brought online in 2024; 6 were rehabilitated for rental and 5 were new construction units, all to be rented to LMI renter households. A total of 6 housing units were constructed as single-family homes and sold to LMI households in 2024. Mortgage/Homebuyer assistance was provided for 6 LMI homebuyer households in 2024 enabling them to purchase homes that would not normally be considered affordable based on their income. Future projects that are expected to be completed in 2025 include 3 new construction homes for sale, 1 house that will be rehabilitated and sold, and 4 units which will be constructed and habilitated to LMI households. A larger multi-family project will be completed in 2024 and will have 54 total affordable units with 13 being designated as permanent supportive housing. Comparison of the proposed versus actual outcomes for each outcome measure submitted with the consolidated plan and explain, if applicable, why progress was not made toward meeting goals and objectives. 91.520(g) Categories, priority levels, funding sources and amounts, outcomes/objectives, goal outcome indicators, units of measure,targets, actual outcomes/outputs, and percentage completed for each of the grantee's program year goals. Goal Category Source/ Indicator Unit of Expected Actual— Percent Expected Actual— Percent Amount Measure — Strategic Complete — Program Complete Strategic Plan Program Year Plan Year CDBG: $ APM-1 / HOME: Administration Other Other 10 7 3 0 Management $/ ESG: 70.00% 0.00% $12480 CDBG: $ APM-2 Planning Administration / HOME: Other Other 0 0 1 0 $ 0.00% CAPER 2 OMB Control No:2506-0117(exp.09/30/2021) Public Facility or Infrastructure Non-Housing CDS-1 Activities other than Persons Community CDBG: $ 0 14045 Infrastructure Low/Moderate Assisted Development Income Housing Benefit Public Facility or Infrastructure Non-Housing CDS-1 Activities for Households Community CDBG: $ 0 0 Infrastructure Low/Moderate Assisted Development Income Housing Benefit Non-Housing CDS-1 Community CDBG: $ Other Other 0 0 Infrastructure Development Public Facility or Infrastructure Non-Housing CDS-2 Community Activities other than Persons Community CDBG: $ 44950 163780 0 117335 Facilities Low/Moderate Assisted 364.36% Development Income Housing Benefit Public Facility or Infrastructure Non-Housing CDS-2 Community Activities for Households Community CDBG: $ 0 0 Facilities Low/Moderate Assisted Development Income Housing Benefit CAPER 3 OMB Control No:2506-0117(exp.09/30/2021) Public service Non-Housing activities other than CDS-2 Community Persons Community CDBG: $ Low/Moderate 0 0 50 0 Facilities Assisted 0.00% Development Income Housing Benefit Non-Housing Household CDS-2 Community Homeowner Housing Community CDBG: $ Housing 0 152 Facilities Rehabilitated Development Unit Non-Housing CDS-2 Community Community CDBG: $ Other Other 0 0 Facilities Development Public service Non-Housing activities other than CDS-3 Public Persons Community CDBG: $ Low/Moderate 0 2014 40 840 Service Assisted 2,100.00% Development Income Housing Benefit Public service Non-Housing activities for CDS-3 Public Households Community CDBG: $ Low/Moderate 0 0 Service Assisted Development Income Housing Benefit Non-Housing CDS-3 Public Homeless Person Persons Community CDBG: $ 0 1453 0 821 Service Overnight Shelter Assisted Development Non-Housing Overnight/Emergency CDS-3 Public Community CDBG: $ Shelter/Transitional Beds 0 0 0 0 Service Development Housing Beds added Non-Housing CDS-3 Public Community CDBG: $ Other Other 0 0 Service Development CAPER 4 OMB Control No:2506-0117(exp.09/30/2021) Public Facility or Infrastructure Non-Housing CDS-4 Public Activities other than Persons Community CDBG: $ 0 0 Transit Low/Moderate Assisted Development Income Housing Benefit Public service Non-Housing activities other than CDS-4 Public Persons Community CDBG: $ Low/Moderate 0 0 Transit Assisted Development Income Housing Benefit Public service Non-Housing activities for CDS-4 Public Households Community CDBG: $ Low/Moderate 0 0 Transit Assisted Development Income Housing Benefit Non-Housing CDS-4 Public Community CDBG: $ Other Other 0 0 Transit Development Non-Housing CDS-5 Clearance Community CDBG: $ Buildings Demolished Buildings 0 0 Development Public Facility or Infrastructure CDS-6 Non-Housing Activities other than Persons Architectural Community CDBG: $ 0 0 Low/Moderate Assisted Barriers Development Income Housing Benefit CAPER 5 OMB Control No:2506-0117(exp.09/30/2021) Public Facility or CDS-6 Non-Housing Infrastructure Activities for Households Architectural Community CDBG: $ 0 0 Low/Moderate Assisted Barriers Development Income Housing Benefit CDS-6 Non-Housing Architectural Community CDBG: $ Other Other 0 0 Barriers Development Public service Non-Housing activities other than CDS-7 Public Persons Community CDBG: $ Low/Moderate 215000 372256 45000 117335 Safety Assisted 173.14% 260.74% Development Income Housing Benefit Public service Non-Housing activities for CDS-7 Public Households Community CDBG: $ Low/Moderate 0 0 Safety Assisted Development Income Housing Benefit Non-Housing CDS-7 Public Community CDBG: $ Other Other 0 0 Safety Development Non-Housing CDS-8 Community CDBG: $ Other Other 0 0 Revitalization Development CDS-9 Non-Housing Neighborhood Community CDBG: $ Other Other 0 0 Organizations Development CAPER 6 OMB Control No:2506-0117(exp.09/30/2021) . Public service Non-Housing activities other than EDS-1 Persons Community CDBG: $ Low/Moderate 0 0 Employment Assisted Development Income Housing Benefit Non-Housing EDS-1 Community CDBG: $ Jobs created/retained Jobs 0 0 Employment Development Non-Housing EDS-1 Community CDBG: $ Other Other 0 0 Employment Development Non-Housing EDS-2 Financial Businesses Community CDBG: $ Businesses assisted 0 0 Assistance Assisted Development Non-Housing EDS-2 Financial Community CDBG: $ Other Other 0 0 Assistance Development Facade EDS-3 Non-Housing treatment/business Development Community CDBG: $ Business 0 0 building Program Development rehabilitation EDS-3 Non-Housing Development Community CDBG: $ Other Other 0 0 Program Development Non-Housing EDS-4 Financial Businesses Community CDBG: $ Businesses assisted 0 0 Incentives Assisted Development CAPER 7 OMB Control No:2506-0117(exp.09/30/2021) Non-Housing EDS-4 Financial Community CDBG: $ Other Other 0 0 Incentives Development CDBG: Tenant-based rental Households HOM-1 Housing Homeless $100000 assistance/ Rapid 0 0 10 0 Assisted 0.00% / ESG: $ Rehousing CDBG: Homeless Person Persons HOM-1 Housing Homeless $100000 8515 2411 Overnight Shelter Assisted 28.31% / ESG: $ CDBG: Household HIV/AIDS Housing HOM-1 Housing Homeless $100000 Housing 0 0 30 0 Operations 0.00% / ESG: $ Unit CDBG: 1 HOM-1 Housing Homeless $100000 Other Other 0 0 / ESG: $ Public service activities other than HOM-2 CDBG: $ Persons Homeless Low/Moderate 11040 18739 Operation/Support / ESG: $ Assisted 169.74% Income Housing Benefit HOM-2 Homeless CDBG: $ Homeless Person Persons 0 0 Operation/Support / ESG: $ Overnight Shelter Assisted HOM-2 CDBG: $ Homeless 1 Other Other 0 0 Operation/Support / ESG: $ HOM-3 Homeless Homelessness Persons Homeless CDBG: $ 0 0 Prevention Prevention Assisted HOM-3 Homeless Homeless CDBG: $ Other Other 0 0 Prevention CAPER 8 OMB Control No:2506-0117(exp.09/30/2021) . HOM-4 Permanent Household HOME: Rental units Supportive Homeless Housing 0 0 Housing $ constructed Unit HOM-4 Permanent Household HOME: Housing for Homeless Supportive Homeless Housing 100 44 Housin $ added Unit 44.00% g HOM-4 Permanent HOME: Supportive Homeless $ Other Other 0 0 Housing CDBG: $ HOM-5 Shelter Homeless Person Persons Homeless / ESG: 0 0 2000 0 Housing Overnight Shelter Assisted 0.00% $122218 HOM-5 Shelter CDBG: $ Homeless / ESG: Other Other 0 0 Housing $122218 HSS-1 CDBG: $ Household Affordable Homeowner Housing Homeownership / HOME: Housing 0 7 0 7 Housing Added Assistance $140000 Unit HSS-1 CDBG: $ Direct Financial Affordable Households Homeownership / HOME: Assistance to 85 30 15 0 Housing Assisted 35.29% 0.00% Assistance $140000 Homebuyers HSS-1 CDBG: $ Affordable Homeownership / HOME: Other Other 0 0 Housing Assistance $140000 CDBG: $ Household HSS-2 Housing Affordable Rental units / HOME: Housing 4 8 12 2 Construction Housing constructed 200.00% 16.67% $858000 Unit CAPER 9 OMB Control No:2506-0117(exp.09/30/2021) CDBG: $ Household HSS-2 Housing Affordable Homeowner Housing Construction Housing / HOME: Added Housing 21 18 7 2 85.71% 28.57% $858000 Unit CDBG: $ Household HSS-2 Housing Affordable Homeowner Housing Construction Housing / HOME: Rehabilitated Housing 0 1 $858000 Unit CDBG: $ Household HSS-2 Housing Affordable Housing for Homeless / HOME: Housing 0 0 0 0 Construction Housing added $858000 Unit CDBG: $ Household HSS-2 Housing Affordable Housing for People / HOME: Housing 0 0 0 0 Construction Housing with HIV/AIDS added $858000 Unit HSS-2 Housing Affordable CDBG: $ Construction Housing / HOME: Other Other 0 0 $858000 Household HSS-3 Housing Affordable Rental units CDBG: $ Housing 20 23 0 1 Rehabilitation Housing rehabilitated 115.00% Unit Household HSS-3 Housing Affordable Homeowner Housing CDBG: $ Housing 460 99 17 0 Rehabilitation Housing Rehabilitated 21.52% 0.00% Unit Household HSS-3 Housing Affordable Housing for Homeless CDBG: $ Housing 0 0 0 0 Rehabilitation Housing added Unit Household HSS-3 Housing Affordable Housing for People CDBG: $ Housing 0 0 0 0 Rehabilitation Housing with HIV/AIDS added Unit HSS-3 Housing Affordable CDBG: $ Other Other 0 0 Rehabilitation Housing CAPER 10 OMB Control No:2506-0117(exp.09/30/2021) Affordable HSS-4 Fair Housing CDBG: $ Other Other 5 0 0 Housing 0.00% Household HSS-5 Lead-Based Affordable Rental units CDBG: $ Housing 0 0 Paint Housing rehabilitated Unit Household HSS-5 Lead-Based Affordable Homeowner Housing CDBG: $ Housing 0 0 Paint Housing Rehabilitated Unit HSS-5 Lead-Based Affordable CDBG: $ Other Other 0 0 Paint Housing Public service HSS-6 Housing Affordable activities for Households CDBG: $ Low/Moderate 25 0 Education Housing Assisted 0.00% Income Housing Benefit CDBG: $ Tenant-based rental HSS-7 Rental Affordable Households Assistance Housing / HOME: assistance/ Rapid Assisted 0 18 $ Rehousing HSS-7 Rental Affordable CDBG: $ Assistance Housing / HOME: Other Other 0 0 $ Household Non-Homeless HOME: Rental units SNS-1 Housing Housing 0 0 Special Needs $ constructed Unit Household Non-Homeless HOME: Rental units SNS-1 Housing Housing 0 0 Special Needs $ rehabilitated Unit CAPER 11 OMB Control No:2506-0117(exp.09/30/2021) Household Non-Homeless HOME: Homeowner Housing SNS-1 Housing Housing 0 0 Special Needs $ Added Unit Household Non-Homeless HOME: Homeowner Housing • SNS-1 Housing Housing 0 0 Special Needs $ Rehabilitated Unit Tenant-based rental Non-Homeless HOME: Households SNS-1 Housing assistance/ Rapid 100 20 Special Needs $ Assisted 20.00% Rehousing Non-Homeless HOME: SNS-1 Housing Other Other 0 0 Special Needs $ Public service activities other than SNS-2 Social Non-Homeless Persons CDBG: $ Low/Moderate 0 0 Services Special Needs Assisted Income Housing Benefit Public service activities for SNS-2 Social Non-Homeless Households CDBG: $ Low/Moderate 0 0 Services Special Needs Assisted Income Housing Benefit SNS-2 Social Non-Homeless CDBG: $ Other Other 0 0 Services Special Needs Public Facility or Infrastructure Non-Homeless Activities other than Persons SNS-3 Accessiblity CDBG: $ 0 0 Special Needs Low/Moderate Assisted Income Housing Benefit CAPER 12 • OMB Control No:2506-0117(exp.09/30/2021) Public service activities other than Non-Homeless Persons SNS-3 Accessiblity CDBG: $ Low/Moderate 0 0 Special Needs Assisted Income Housing Benefit Public service activities for Non-Homeless Households SNS-3 Accessiblity CDBG: $ Low/Moderate 0 0 Special Needs Assisted Income Housing Benefit Household Non-Homeless Rental units SNS-3 Accessiblity CDBG: $ Housing 0 0 Special Needs rehabilitated Unit Household Non-Homeless Homeowner Housing SNS-3 Accessiblity CDBG: $ Housing 0 0 Special Needs Rehabilitated Unit Non-Homeless SNS-3 Accessiblity CDBG: $ Other Other 0 0 Special Needs Table 1-Accomplishments—Program Year&Strategic Plan to Date Assess how the jurisdiction's use of funds, particularly CDBG, addresses the priorities and specific objectives identified in the plan, giving special attention to the highest priority activities identified. During the 2024 program year, the final year of the 2020-2024 five-year plan, the City of South Bend and the St.Joseph County Housing Consortium effectively used their Community Development Block Grant(CDBG), HOME Investment Partnerships Program (HOME), Emergency Solutions Grant (ESG),and CARES Act funds(CDBG-CV) to undertake a variety of programs, projects and activities designed to address housing and community development needs throughout the City of South Bend and St.Joseph County. High priority initiatives funded with CDBG CAPER 13 OMB Control No:2506-0117(exp.09/30/2021) included: • acquisition/rehab/resale • acquisition/rehab/rental • new construction housing • owner-occupied housing rehabilitation • homebuyer assistance • homebuyer counseling • public facility improvements • provision of public safety services • infrastructure improvement • coordinated entry for homeless populations • permanent supportive housing scattered site operations • housing voucher administration • program administration The City of South Bend funded the following activities with CDBG-CV funds with the goals of preventing, preparing for, and/or responding to the continued effects of the Coronavirus Pandemic in 2024: • food resources • supportive services The accomplishments of the City of South Bend and the St.Joseph County Housing Consortium were consistent with the Consolidated Plan's high-priority community development and housing objectives and are presented in this report. CAPER 14 OMB Control No:2506-0117(exp.09/30/2021) CR-10 - Racial and Ethnic composition of families assisted Describe the families assisted (including the racial and ethnic status of families assisted). 91.520(a) CDBG HOME White 618 11 Black or African American 614 15 Asian 1 0 American Indian or American Native 7 0 Native Hawaiian or Other Pacific Islander 0 0 Total 1,240 26 Hispanic 17 0 Not Hispanic 1,223 26 Describe the clients assisted (including the racial and/or ethnicity of clients assisted with ESG) HESG American Indian, Alaska Native, or Indigenous 0 Asian or Asian American 0 Black, African American,or African 0 Hispanic/Latina/e/o 0 Middle Eastern or North African 0 Native Hawaiian or Pacific Islander 0 White 0 Multiracial 0 Client doesn't know 0 Client prefers not to answer 0 Data not collected 0 Total 0 Table 2—Table of assistance to racial and ethnic populations by source of funds Narrative CAPER 15 OMB Control No:2506-0117(exp.09/30/2021) CR-15 - Resources and Investments 91.520(a) Identify the resources made available Source of Funds Source Resources Made Amount Expended Available During Program Year CDBG public-federal 2,540,384 1,467,539 HOME public-federal 1,087,369 1,149,087 ESG public-federal 203,698 203,747 Table 3-Resources Made Available Narrative Funding for Program Year 2024 was not received until late December 2024 and as a result, many projects which were recommended for funding were not able to utilize those funds in 2024. The amount of CDBG-CV funds available at the beginning of 2024 was$234,112. A total of$197,789 was expended on meals and services for persons residing at Motels4Now, a continuing service which began as the City's response to establishing a facility for those who are unhoused that did not utilize the congregate shelter model to address challenges related to the spread of COVID-19 in congregate shelters. The balance at the end of 2024 is$4,166.21 and will be fully expended in 2025. Identify the geographic distribution and location of investments Target Area Planned Actual Narrative Description Percentage of Percentage of Allocation Allocation Low-and All projects identified for funding are Moderate-Income selected for their ability to provide Areas 70 100 services to a LMI area Table 4—Identify the geographic distribution and location of investments Narrative Based on data received from HUD for the NSP1 and NSP3 programs, the areas of greatest need in the City of South Bend were identified as census tracts 6,4, 21, and 5. Two of those census tracts are located in the Near Northwest and Near West Side neighborhoods.The City also identified census tracts 19 and 20 as areas of greatest need based on the data and the foreseen likelihood of foreclosures. Additionally, the geographic allocation of resources was based upon: • History of the City's focus/redevelopment and support of Community Development Corporations(CDCs) • Areas of need per NSP determinations CAPER 16 OMB Control No:2506-0117(exp.09/30/2021) • Location of most vacant and abandoned structures • Location of abandoned lots • High foreclosure rates(NSP) • Age of housing stock • High cost loans (NSP) • Census tracts with high percentage of low-to moderate-income households Mishawaka Beginning in 2015,the St.Joseph County Housing Consortium opted to fund housing projects in Mishawaka by contracting with agencies directly, rather than through the City of Mishawaka. Subsequently, PY2024 HOME funds were allocated to Habitat for Humanity of St.Joseph County, inc. to provide homebuyer assistance to low-moderate income homebuyers in the Fields of Highland Subdivision in Mishawaka. St.Joseph County The St.Joseph County Housing Consortium did not receive any requests for funding in 2024 to serve the unincorporated areas of St.Joseph County. CAPER 17 OMB Control No:2506-0117(exp.09/30/2021) Leveraging Explain how federal funds leveraged additional resources (private, state and local funds), including a description of how matching requirements were satisfied, as well as how any publicly owned land or property located within the jurisdiction that were used to address the needs identified in the plan. Two of the larger developers of HOME projects were able to secure foundation grants to assist with new construction projects. One of the Developers was able to secure a loan through IHCDA to support a 4-plex to be constructed in 2025 to be rented to LMI households. The largest match source in 2024 was from the City of South Bend's installation of roadways and sidewalks in a new PSH development which is currently underway. In 2024, the Community Homebuyers Corporation (CHC) provided CDBG funds in the form of forgivable mortgage subsidies to five (5) families in 2024, enabling them to become homeowners for the first time. The subsidies were leveraged with $525,700 in private mortgage funding. CDBG provides a mortgage subsidy of 20% of the purchase price of a home, not to exceed $35,000, and local lenders participating in the CHC program pool their funds to provide the remaining dollars. CHC offers financing to clients that are typically not conventionally lendable. Pre- and post-purchase counseling required for the mortgage subsidy program is a major contributing factor to its success. The Rebuilding Together St. Joseph County Program (formerly known as Christmas in April) has aided homeowners in various neighborhoods throughout the community since 1989. Over the years, Rebuilding Together has built strong relationships with the City of South Bend, local trades, the higher education community, and the business community. In 2024, 498 tradespersons volunteered their time to provide people volunteered over several days to provide 2,988 hours of donated labor with an estimated value of$89,640 to complete moderate home repairs for 20 low-to moderate-income qualified homeowners, many of which are elderly, disabled or veteran households. Rebuilding Together also secured donated materials totaling$2,784 and donated storage rent of$13,200. A total of$118,587 dollars of CDBG funds were also used for this project in 2024. In 2024, the City transferred 66 lots to 6 developers which will result in the creation of 191 housing units. The 191 units will provide a mix of rental and homeownership opportunities and be targeted to a range of income levels with 169 of the units being income qualified units. CAPER 18 OMB Control No:2506-0117(exp.09/30/2021) Fiscal Year Summary—HOME Match 1. Excess match from prior Federal fiscal year 3,566,035 2. Match contributed during current Federal fiscal year 962,435 3. Total match available for current Federal fiscal year(Line 1 plus Line 2) 4,528,470 4. Match liability for current Federal fiscal year 301,489 5. Excess match carried over to next Federal fiscal year(Line 3 minus Line 4) 4,226,980 Table 5—Fiscal Year Summary-HOME Match Report CAPER 19 OMB Control No:2506-0117(exp.09/30/2021) Match Contribution for the Federal Fiscal Year Project No.or Date of Cash Foregone Appraised Required Site Bond Total Match Other ID Contribution (non-Federal Taxes, Fees, Land/Real Infrastructure Preparation, Financing sources) Charges Property Construction Materials, Donated labor 21-1H-04 09/05/2021 22,779 0 0 0 0 0 22,779 21-JH-30 05/01/2024 47,500 0 0 0 0 0 47,500 21-JH-80 01/08/2024 11,250 0 0 0 0 0 11,250 22-JH-04 03/05/2024 0 0 0 430,097 0 0 430,097 22-JH-30 10/18/2024 7,500 0 0 0 0 0 7,500 22-J H-40 05/23/2024 30,000 0 0 0 0 0 30,000 23-JH-65 09/30/2024 33,309 0 0 0 0 0 33,309 24-JH-27 07/16/2024 380,000 0 0 0 0 0 380,000 Table 6—Match Contribution for the Federal Fiscal Year HOME MBE/WBE report Program Income—Enter the program amounts for the reporting period Balance on hand at Amount received during Total amount expended Amount expended for Balance on hand at end beginning of reporting reporting period during reporting period TBRA of reporting period period $ $ $ $ $ 1,556 95,154 51,710 1,866 45,000 Table 7—Program Income CAPER 20 OMB Control No:2506-0117(exp.09/30/2021) Minority Business Enterprises and Women Business Enterprises—Indicate the number and dollar value of contracts for HOME projects completed during the reporting period Total Minority Business Enterprises White Non- Alaskan Asian or Black Non- Hispanic Hispanic Native or Pacific Hispanic American Islander Indian Contracts Dollar Amount 7,418,643 0 0 0 155,000 7,263,643 Number 11 0 0 0 1 10 Sub-Contracts Number 0 0 0 0 0 0 Dollar Amount 0 0 0 0 0 0 Total Women Male Business Enterprises Contracts Dollar Amount 7,418,643 267,977 7,150,666 Number 11 1 10 Sub-Contracts Number 0 0 0 Dollar Amount 0 0 0 Table 8-Minority Business and Women Business Enterprises Minority Owners of Rental Property—Indicate the number of HOME assisted rental property owners and the total amount of HOME funds in these rental properties assisted Total Minority Property Owners White Non- Alaskan Asian or Black Non- Hispanic Hispanic Native or Pacific Hispanic American Islander Indian Number 0 0 0 0 0 0 Dollar Amount 0 0 0 0 0 0 Table 9—Minority Owners of Rental Property CAPER 21 OMB Control No:2506-0117(exp.09/30/2021) Relocation and Real Property Acquisition—Indicate the number of persons displaced, the cost of relocation payments,the number of parcels acquired,and the cost of acquisition Parcels Acquired 0 0 Businesses Displaced 0 0 Nonprofit Organizations Displaced 0 0 Households Temporarily Relocated, not Displaced 0 0 Households Total Minority Property Enterprises White Non- Displaced Alaskan Asian or Black Non- Hispanic Hispanic Native or Pacific Hispanic American Islander Indian Number 0 0 0 0 0 0 Cost 0 0 0 0 0 0 Table 10—Relocation and Real Property Acquisition CAPER 22 OMB Control No:2506-0117(exp.09/30/2021) CR-20 - Affordable Housing 91.520(b) Evaluation of the jurisdiction's progress in providing affordable housing, including the number and types of families served,the number of extremely low-income, low-income, moderate-income, and middle-income persons served. One-Year Goal Actual Number of Homeless households to be provided affordable housing units 0 0 Number of Non-Homeless households to be provided affordable housing units 41 23 Number of Special-Needs households to be provided affordable housing units 0 17 Total 41 40 Table 11—Number of Households One-Year Goal Actual Number of households supported through Rental Assistance 15 17 Number of households supported through The Production of New Units 11 11 Number of households supported through Rehab of Existing Units 15 6 Number of households supported through Acquisition of Existing Units 0 6 Total 41 40 Table 12—Number of Households Supported Discuss the difference between goals and outcomes and problems encountered in meeting these goals. The 2024 Annual Action Plan was approved late in 2024 which resulted in a number of projects which were allocated funds for 2024 to be carried over to 2025. The numbers above reflect those projects which were completed in 2024 and do not include projects that are still in progress. For instance,the Rebuilding Together program provided moderate home repairs to 17 households in 2024 but will be reported on the 2025 CAPER when the total project is completed. CAPER 23 OMB Control No:2506-0117(exp.09/30/2021) Not included in the above numbers are those individuals who were assisted through services, such as the coordinated entry program (821), services to assist those residing in permanent supportive housing (62)and those temporarily housed in one of the shelter projects which utilize ESG funds. In addition, the following activities were undertaken in 2024 with CARES Act funding with the goal of preventing, preparing for, and responding to the Coronavirus pandemic and are not counted in the numbers above: • CDBG-CV Emergency Rental Assistance—Real Services assisting 56 LMI Households • CDBG-CV Food Support Assistance—HOPE Ministries (for Motels4Now) assisting 302 households transitioning from homelessness • CDBG-CV Support Services—Oaklawn (for Motels4Now and Weather Amnesty Services) assisting 506 LMI households South Bend and the surrounding area continued to be affected by the drastic change in the housing market resulting in substantial increases in the cost of housing which in many cases priced safe, sanitary and decent housing out of the range of affordability for low- and moderate-income households. Following the drastic price increase, was the continued increase in mortgage rates that further served to price housing with mortgages outside what is considered affordable to low-and moderate-income households. While in 2024 the market began to slow some,the higher prices coupled with higher interest rates, made it difficult for a LMI homebuyer to purchase a house without the use of substantial subsidies. While these factors directly affect home purchases, it had a residual effect on the rental market as many landlords recognized the value in selling their rental homes in the midst of a seller-driven housing market. Many landlords were able to increase their rents as the demand for housing for all income levels increased. In some cases, the increased rents were priced above the fair market rents determined by HUD annually which meant fewer landlords were accepting tenant based rental assistance. Discuss how these outcomes will impact future annual action plans. The outcomes noted in the attached spreadsheets for each funding source indicate that the City of South Bend and the St.Joseph County Housing Consortium are allocating funds to the activities that meet the priorities of the 2020-2024 HCD Plan and best serve low-mod income families in the respective jurisdictions. In 2024 South Bend allocated CDBG-CV funds for meals and wrap-around support services at a low-barrier site for homeless individuals and two weather amnesty locations. CAPER 24 OMB Control No:2506-0117(exp.09/30/2021) The creation of affordable housing remains a priority for the City of South Bend and will continue to be an area of focus for the 2025-2029 Consolidated Plan and 2025 Annual Action Plan. Include the number of extremely low-income, low-income, and moderate-income persons served by each activity where information on income by family size is required to determine the eligibility of the activity. Number of Households Served CDBG Actual HOME Actual Extremely Low-income 4 17 Low-income 4 0 Moderate-income 12 3 Total 20 20 Table 13—Number of Households Served Narrative Information Attached to this report is a chart which reflects the information contained on each of the three charts in this section, but breaks it down further to reflect which activity and which program. Twenty-four(24) households received HOME funds and all twenty-four met the Section 215 Definition of Affordable Housing. Of those, eighteen (18) are active Oaklawn clients receiving rental assistance. Oaklawn provides medical and mental health services to persons with disabilities that includes rental assistance and supportive housing services. In 2024,the City of South Bend continued its efforts addressing the needs of the City's vulnerable population—those who are experiencing homeless or are at-risk of homelessness. Many of the initiatives put in place as part of the City's Coronavirus response over the past few years have continued to develop and grow.One such initiative is the City's work with Our Lady of the Road and the Motels4Now program.This converted hotel has been put in place to temporarily house those individuals experiencing homelessness by utilizing the Housing First Strategy.The City supported this program in 2024 by using CDBG and CDBG-CV to assist agencies around South Bend that are aiding the residents of this hotel in terms of food support and supportive services. South Bend continues to assist agencies with rapid rehousing and rental assistance for their households transitioning out of homelessness with ESG funds. The City is also working with the Housing Authority of South Bend to rehab a number of their scattered site units. Beginning in 2024 and continuing into 2025,the Housing Authority will continue to rehab CAPER 25 OMB Control No:2506-0117(exp.09/30/2021) currently vacant scattered site housing in need of repairs.The City has committed to assisting with this project to increase the number of housing units available for rent. CAPER 26 OMB Control No:2506-0117(exp.09/30/2021) CR-25 - Homeless and Other Special Needs 91.220(d, e); 91.320(d, e); 91.520(c) Evaluate the jurisdiction's progress in meeting its specific objectives for reducing and ending homelessness through: Reaching out to homeless persons (especially unsheltered persons) and assessing their individual needs St.Joseph County is a separate region within the Balance of State CoC that encompasses all of, and only, St.Joseph County.The region has utilized Coordinated Entry since January of 2019 to determine the needs of houseless individuals and families place them in a program which is best suited to provide them with housing and services. Persons who are homeless or at-risk of becoming homeless are evaluated using the recent State adopted assessment. CHAT replaces the previously used VI-SPDAT and prioritized veterans and domestic violence survivors.CHAT is used to determine the appropriate housing for the individual and/or family. With the adoption of Coordinated Entry, placement rates of homeless individuals and families has been high. Additionally,the City and RPC worked to establish a Lived Experience Advisory Committee, in which RPC/City representatives meet monthly with currently or formerly unhoused individuals to better understand their experiences, learn their perspectives on the current system, service gaps, etc. Participants are compensated for their time with gift cards provided by an Anthem grant. The City's Homeless Coordinator established an outreach team which meets monthly to identify locations where people were staying outside,coordinate services, plan for weather amnesty, coordinate the Point In Time Count and identify gaps in services.The Coordinator also goes out with agencies to do street outreach and build trust with the unhoused community to understand their needs and connect people to services. Partners include those working in the fields of medical and mental health, housing,veterans, youth and recovery services.The Coordinator also visits meal sites and shelter locations to learn from service providers,gain input from guests, share information from other providers, and coordinate services. In 2024,the City of South Bend continued its efforts addressing the needs of the City's vulnerable population—those who are experiencing homeless or are at-risk of homelessness. Many of the initiatives put in place as part of the City's Coronavirus response over the past few years have continued to develop and grow. One such initiative is the City's work with Our Lady of the Road and the Motels4Now program.This converted hotel has been put in place to temporarily house unsheltered individuals by utilizing the Housing First Strategy.The City supports this program by using CDBG, ESG, and general city funds to assist agencies around South Bend that are aiding the residents of this hotel in terms of food support and supportive services. Plans are in place to begin the construction of a non- congregate shelter to provide an additional shelter option.This shelter will be developed in part with HOME-ARP funds received by the St.Joseph County Housing Consortium. CAPER 27 OMB Control No:2506-0117(exp.09/30/2021) Addressing the emergency shelter and transitional housing needs of homeless persons The City, as part of the Regional Planning Council, continued to discuss and work on strategies to address the needs of persons who are experiencing homelessness, or are at risk of homelessness.These strategies resulted in the following priorities: • Focusing on rapid re-housing activities with ESG; • Using two distinct approaches, one for circumstantially impoverished homeless and one for chronically impoverished homeless, to re-house them; and • Reducing the unsheltered or precariously housed population. The City oversees the Weather Amnesty program which provides a warm shelter for homeless individuals between the months of November and April. A second round of rehabilitation at the Center increased capacity by an additional 30 beds which allowed the Weather Amnesty program to serve more unsheltered individuals. During the 2023/2024 season, 9,330 bed stays were utilized at the Center for the Homeless, the vast majority of which are adult males.The average length of stay for all guests utilizing the Weather Amnesty program is 15.88 days. The City also provides bus passes for agencies working with the Weather Amnesty program for their clients to utilize for job interviews, doctors' appointments, searching for permanent housing solutions, etc. In 2024,the City of South Bend continued its support of a drive to create a facility to provide additional housing and services for the unsheltered population by working to bring a non-congregate shelter to life in the area, in part by using HOME-ARP funds. It is the goal of this facility to further improve the quality of life for the unsheltered population by providing housing and other needed services to assist in finding a more permanent housing solution. Additionally,the City of South Bend has actively participated in the Indiana Supportive Housing Institute hosted by The Corporation for Supportive Housing(CSH) and Indiana Housing and Community Development Authority(IHCDA) and has worked with developers of Permanent Supportive Housing (PSH) in developing PSH communities. Working with CSH gives developers additional insight into planning, best practices and financial assistance in the development and production of PSH units. The Homeless Coordinator also worked with the newly formed Mishawaka Coalition, a group of individuals from St.Joseph Regional Medical Center ER, social workers, and community health workers, to help them organize and work to connect agencies with non-profit organizations to better meet needs and identify areas for improvement. Helping low-income individuals and families avoid becoming homeless, especially extremely low-income individuals and families and those who are: likely to become homeless after being discharged from publicly funded institutions and systems of care (such as health care CAPER 28 OMB Control No:2506-0117(exp.09/30/2021) facilities, mental health facilities, foster care and other youth facilities, and corrections programs and institutions); and, receiving assistance from public or private agencies that address housing, health, social services, employment, education, or youth needs Discharge planning within the community remains challenging, with hospitals and community mental health centers coordinating plans with emergency shelter facilities but still falling short of ideal conditions for individuals released from their care. The RPC developed the following for foster care, health care, mental health systems of care, and re- entry from corrections facilities care and are working with appropriate agencies and providers to improve the coordination of discharge policies. Foster Care: The Division of Child Services' (DCS) written protocol, partners with community providers to avoid youth exiting foster care to be discharged into the streets. DCS case managers create individualized plans for each youth and are responsible for case planning and reunification conferences with providers. Health Care: RPC leadership works with area hospitals, clinics, and agencies to serve the needs of individuals that are homeless or are at risk of homelessness. By meeting with key hospital staff, they can discuss opportunities to maximize coordination of services. Conversations are ongoing to focus on partnerships with RPC agencies to close the housing gap for those who are homeless and have substance use disorders. Discussions are progressing about mobile clinic deployment to provide preventative care, reduce trauma, decrease ED expenses, and improve the quality of life for those unhoused. Beacon Health System and St.Joseph Regional Medical Center, major medical hospitals in the community, have accredited Clinical Social Workers assigned to all inpatient and outpatient areas who provide discharge planning services to all patients.Trained social workers and/or case managers follow protocols to assess needs upon admission and develop a plan of care which includes the healthcare team, patient, and family.They are responsible to coordinate the plan of care incorporating services, resources, and other providers appropriate to their needs prior to discharge. Mental Health: Beacon Health System operates 4 inpatient psychiatric care units located at Epworth Hospital and follows regulatory standards and protocols to ensure appropriate discharge and follow-up care. Oaklawn Psychiatric Center is the community's designated Community Mental Health Center and is a Certified Community Behavioral Health Clinic. Oaklawn provides outpatient services including placement into permanent housing for patients who are homeless or at risk of homelessness. Oaklawn has both a PATH team, funded by FSSA, and City Outreach Team, funded by the City of South Bend,to support the efforts to help individuals gain or maintain stable housing. Both PATH and the City Outreach Team consistently assess individual housing needs and refer to Coordinated Entry or appropriate housing resources. Oaklawn has been awarded funding to bolster services to tenants at Oliver and Hope Avenue Homes, both permanent supportive housing communities in South Bend. Oaklawn patients are CAPER 29 OMB Control No:2506-0117(exp.09/30/2021) not routinely placed in shelters for housing. A gap exists for those exiting Epworth that opt not to use Oaklawn in coordinating services. Corrections: The local parole district is committed to keeping parolees out of the homeless services system whenever possible.A Re-entry Accountability Plan is completed in advance of the inmate's release date and shared with re-entry supervising agencies. The Ducomb Center's transition program provides local services and support and only refers individuals that need housing to shelters when absolutely necessary. A re-entry Task Force, established by the Community Corrections Advisory Board, has developed a resource guide which is distributed to area service providers and is available online. Goodwill Industries also offers a Second Changes program to increase employability of ex-offenders so that they might avoid or quickly exit the homeless assistance system. Helping homeless persons (especially chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth) make the transition to permanent housing and independent living, including shortening the period of time that individuals and families experience homelessness, facilitating access for homeless individuals and families to affordable housing units, and preventing individuals and families who were recently homeless from becoming homeless again Efforts were made to move chronically homeless individuals, including those with severe mental illness, veterans, and victims of domestic violence, into rapid re-housing options instead of traditional shelters. For those with substance abuse issues,expanded services within a traditional shelter model were used. The Center for the Homeless Robert L.Veteran's Center, Oliver Apartments (32 units), and Hope Avenue Apartments(22 units) provide permanent supportive housing. Progress was also made in addressing the Mayor's Challenge to End Veteran Homelessness. Since 2020, 119 permanent supportive and affordable housing units have been added, with 97 more in development.These projects are funded through federal and other sources. During the pandemic, the City worked with Our Lady of the Road to convert a motel into a non-congregate shelter to reduce COVID-19 exposure. While effective,a permanent solution is still needed. To address the need for affordable housing, the City is working on a plan that includes a low-barrier shelter with 50 beds for men and 30 for women,featuring amenities like meeting rooms, medical exam space, and continued services from Oaklawn Psychiatric Center.The plan also calls for 30-40 additional low-barrier beds.The City is identifying sites for this new facility. The Youth Service Bureau of St. Joseph County(YSB) has completed a larger facility to better serve homeless youth and young families, offering shelter and transitional housing. In 2021, IHCDA reached out to regions for Emergency Housing Vouchers (EHVs), with the Coordinated CAPER 30 OMB Control No:2506-0117(exp.09/30/2021) Entry Program exceeding referral goals.The City is also working with IHCDA to connect individuals with Housing Choice Vouchers and other programs. Oaklawn has been awarded funds to support individuals with EHVs and Stability Vouchers. CAPER 31 OMB Control No:2506-0117(exp.09/30/2021) CR-30 - Public Housing 91.220(h); 91.320(j) Actions taken to address the needs of public housing The Housing Authority of South Bend (HASB) continued in 2024 to provide high quality services to the residents of South Bend. HASB successes included continuing the administration of its Housing Choice Voucher Program (HCV). The HCV Program assists in housing more than 2,000 individuals and families each month. In 2024, the program grew to provide rental assistance of more than $2 million per month. In addition, the number of housing providers within the program that accept the voucher as payment increased by more than 50 providers. HASB is pleased to report that we are able to directly support the efforts of our local VA by administering a local HUD-VASH (Veterans Affairs Supportive Housing) program assisting 90 veterans or their families. HASB also expanded its Foster Youth to Independence program by adding incremental vouchers. We are now able to support 22 former foster youth aging out of Public Child Welfare Agencies (PWCA5). Under FYI, HASB provides housing assistance on behalf of Youth at least 18 years and not more than 24 years of age who left foster care, or will leave foster care within 90 days, in accordance with a transition plan and are homeless or are at risk of becoming homeless at age 16 or older. HASB is pleased to partner with Diamond View Apartments and The Monreaux by awarding Project Based Vouchers to each development. HASB has completed the funding review for Diamond View and is looking to kick off the review with the Monreaux in 2025. The HCV Program established and continues with a monthly housing provider training initiative to provide education to housing providers on the program requirements including Housing Quality Standard Inspections. The Housing Quality Standard (HQS) inspection is a requirement that all properties must pass before being eligible for subsidized rent payments through the HCV Program. In 2024,the HCV Program continued its momentum toward helping house those meeting the Extremely Low-Income requirements. Created Resident Services position to engage with families, specifically families with children to connect them to resources and engage the youth in after school activities. Opened resident services offices at each of the family properties, Laurel Court, Edison Gardens, and LaSalle Landing to provide residents with on-site resources and access to technology to address their need for access to technology. Renovated over 60 units to address the outstanding quality of tenancy at all HASB properties. A Community Room opened at Westcott to provide the residents with a place to gather and participate CAPER 32 OMB Control No:2506-0117(exp.09/30/2021) in activities. Actions taken to encourage public housing residents to become more involved in management and participate in homeownership HASB participates in the Family Self-Sufficiency Program (FSS).The Family Self-Sufficiency(FSS) program is a voluntary program which supports the strategic goal of increasing economic opportunity for Public Housing and Housing Choice Voucher Program Participants. FSS provides grant funding to support an FSS Coordinator who assists participating families receiving housing assistance. FSS Program Coordinators develop local strategies to connect participating families to public and private resources to increase their earned income and financial empowerment, reduce or eliminate the need for welfare assistance, and make progress toward economic independence and self- sufficiency. In the context of the Self Sufficiency account, "self-sufficiency" is defined as a household's ability to maintain financial, housing, and personal/family stability.To achieve self-sufficiency, individuals in a household move along a continuum towards economic independence and stability; such movement is facilitated by the achievement of educational, professional, and health/mental health and financial empowerment-related goals. For the FSS program, self-sufficiency is further defined as a family's ability to maintain itself free from income-based public safety net programs such as TANF, SNAP, Medicaid and housing assistance. Many FSS program participants have expressed interest in becoming homeowners, so HASB has included a HUD approved Housing Counselor to its Program Coordinating Committee as well as help with credit repair, virtual and in person financial literacy classes and employment retention counseling to assist FSS program participants with preparing for homeownership. In 2024, participation in the FSS program increased to over 60. Of those, over half are participating in the escrow piece which encourages saving for homeownership and other financial goals. In 2024 HASB created a Residents Services team to address the needs of the Public Housing residents by connecting them to resources within South Bend. Providing activities to engage and enrich the community and the children of our program participants. We continue to create new opportunities to engage with residents and have discussions relating to methods to improve the quality of life for the residents and their families. Actions taken to provide assistance to troubled PHAs Extensive training for the Board of Commissioners continues to be provided to include the following training designed to make the Board ready, willing, and able to govern the HASB and oversee its progress. The HASB Board and management team supported efforts by the City to improve communication between the two partners. Additionally,the Board passed a Resolution for the acceptance of the HASB portfolio repositioning plan to assist the HASB in recovering from its designated troubled status. CAPER 33 OMB Control No:2506-0117(exp.09/30/2021) In 2023, HASB utilized CDBG funds to rehabilitate rental units at the South Bend Avenue Apartments. Funds were used to replace roofs, soffits, fascia and gutters and doors. Brick tuckpointing and concrete repairs were also part of this project. In 2024, the City partnered with the HASB to complete a 100% inspection of the scattered site units and assist with the rehabilitation efforts where needed. fr, lam,. 5 ' CAPER 34 OMB Control No:2506-0117(exp.09/30/2021) CR-35 - Other Actions 91.220(j)-(k); 91.320(i)-(j) Actions taken to remove or ameliorate the negative effects of public policies that serve as barriers to affordable housing such as land use controls, tax policies affecting land, zoning ordinances, building codes, fees and charges, growth limitations, and policies affecting the return on residential investment. 91.220 (j); 91.320 (i) In 2024,the South Bend Human Rights Commission (HRC) participated in several community events to educate the community on fair housing issues. In the Spring of 2024, HRC hosted three virtual Fair Housing Webinars with Leigh Holland, Dr. M. Dujon Johnson, Aladean DeRose and Doneisha Posey each hosting a week. The City of South Bend website's Human Rights Commission page also contains recordings of past virtual webinars. The annual Fair Housing Luncheon was held in person on April 23, 2024, which included the presentation of the Fair Housing high school essay winners, college video winner and poster contest winner and keynote speaker Karrah Herring. HRC participated in several community events in which they staffed a vendor table and shared information regarding the services that are offered and explained the life of a charge. The events held in South Bend in 2024 included The Martin Luther King Jr. Celebration in January, La Casa's Community Breakfast in March, Real Services Community Health Fair in April, RHS/Ivy Tech Sisterhood Conference in April, RHS Awards Ceremony, the University of Notre Dame Juneteenth Celebration in June, South Bend Black Expo Juneteenth Celebration in June, HRC Happy Hour in June, the Meet the Mayor(City of South Bend) in February, May, and July, November, Mount Carmel Community Health Fair in August, the City of South Bend's Police National Night Out in August, Mexican Independence Celebration in September, the City of South Bend's Police Department's Cops and Goblins event in October and La Casa's Community Celebration in October. At each event, HRC staff were able to share information,answer questions, make appointments and pass out literature. In June 2024, HRC hosted the following in person trainings: Basics of Fair Housing, College Student Renter Rights in June,Tenant and Landlord Housing Conflict Resolution in June, which included residents of South Bend, Mishawaka, and St.Joseph County. In July 2024, members of HRC staff attended the National Fair Housing Conference in Washington, DC. Actions taken to address obstacles to meeting underserved needs. 91.220(k); 91.320(j) Program year 2024 allocations aligned with the High Priorities listed in the 2020-2024 HCD Plan and emphasized rental housing development, homeownership and owner-occupied repair, public services, and public facility improvements. These remained the broader community priorities in 2024 based upon a number of issues: • Community need exceeded available resources, particularly affordable rental housing options • High rate of underemployment meant homeowners lacked income to maintain housing CAPER 35 OMB Control No:2506-0117(exp.09/30/2021) • High foreclosure rate was still a relevant issue • Large elderly population living in homes they could not maintain • Many issues including unemployment, under employment, and foreclosures can take a toll on a person's emotional and mental health. Such issues could be a contributing factor to abuse, addiction, and homelessness. South Bend's neighborhood revitalization focus became more urgent in recent years with the onset of the national housing crisis and the resulting number of vacant and abandoned homes. That situation, coupled with an aging housing stock, created a challenging environment for neighborhoods and the community. Complementary responses including acquisition/rehabilitation, owner-occupied rehab, homebuyer assistance, and rental housing options were seen as necessary and critical to achieving revitalization and assuring other investment. Therefore, resources were directed toward programs that addressed those activities. In 2023, the City began taking applications for owner-occupied home repairs in targeted neighborhoods, for projects to begin in 2024 and will focus on those items that directly affect the integrity of the house such as roofs and furnaces. Actions taken to reduce lead-based paint hazards. 91.220(k); 91.320(j) The City continues to work with numerous community partners through the Lead Affinity Group. Coordination with St.Joseph County Health Department, University of Notre Dame Lead Innovation Team (NDLIT) and the Near Northwest Neighborhood, Inc.,as well as other local partners resulted in new and increased avenues for education, marketing, and testing for elevated blood levels in children, and increased awareness about available resources such as the NDLIT lead screening kit, City of South Bend lead remediation grant, and Department of Health resources. For more than 5 years,the City has been the recipient of grant funds to address lead-based paint hazards through the Department of Housing and Urban Development and the Indiana Housing and Community Development Authority.The City currently has available approximately$3.3 million in funding through a FY21 HUD Lead-Based Paint Hazard Reduction Grant for lead based paint mitigation work and healthy homes funding.The grant can assist owner-occupied and rental units with income qualifying occupants. In 2024, nine(9) owner-occupied homes and two (2) rental units had lead mitigation completed. A total of$324,100 of work was completed benefitting 13 adults and 19 children. A condition of receiving any federal funds requires the consideration of lead based paint in housing. Projects involving rental or mortgage assistance are required to have a lead assessment completed prior to committing funds. Developers who are doing housing rehabilitation either complete lead testing prior to work being completed or proceed under the assumption of the presence of lead based paint and in most cases remove the threat through abatement. At the completion of a project, the Developer will have lead based paint testing completed to ensure the threat of lead based paint has been mitigated. The Housing Authority of South Bend maintained a Section 8 Landlord Assistance Program in which any CAPER 36 OMB Control No:2506-0117(exp.09/30/2021) resident living in a Section 8 unit identified as lead-contaminated, and where the owner refuses to bring the home into a lead-safe status, has an absolute preference on the Public Housing waiting list for the first available unit. Additionally, any pre-1978 Section 8 home that was identified during the Housing Authority's Annual Housing Quality Standards Inspection as having chipped, peeling, or cracked paint had to receive and pass a clearance test by a State certified inspection. These policies significantly increased the number of affordable housing units that are lead-safe in the City.The HASB also maintains an active list of current lead safe addresses. Actions taken to reduce the number of poverty-level families. 91.220(k); 91.320(j) Economic Development: The City of South Bend provides a variety of economic development resources including a revolving loan program, tax abatements, small business grants, business technical assistance, and tax increment financing. In 2024,the City issued 13 loans totaling$2.5 million in direct financial support for South Bend small businesses-92 percent of the loan recipients were minority-owned and 38 percent were women-owned. Through tax abatements in 2024, the City of South Bend is supporting existing and pending projects that will result in an estimated $40.63 million in private investment. In addition, new projects supported through tax abatements will result in 427 new and retained jobs.The City also administers a citywide matching grant program to support the exterior activation of commercial buildings.Through the program, businesses and building owners have access to professional design services and financial support for real property improvements and other exterior enhancements. The program also provides additional resources for environmentally friendly projects. In 2024, 21 grants totaling$424,232 were paid out, which helped unlock$967,370 in total project costs Workforce Development:Through the Pathways Program, the City of South Bend provided funding for workforce development training for 103 South Bend residents in 2024. Upon completion, participants received certificates from their perspective trainings and once again have the potential to advance their careers to the next level and all-around improvement in their quality of life through hard work and learning additional skills.Trainings were provided by Purdue MEP, and participants were afforded the opportunity to select from a variety of courses, including Leadership Skills for Success (targeting both frontline and management levels),Transfer of Knowledge, Fundamentals of Electricity and Troubleshooting, Artificial Intelligence.There was also a "boot camp" for residents at the South Bend Community Reentry Center to assist them with their transition back to the community after incarceration. Also, in 2024, the City rolled out a program to assist residents seeking a Commercial Drivers License (CDL-A) and looks to expand and enhance workforce development programs in 2025 The City of South Bend provides a variety of economic development resources including a revolving loan program,tax abatements, small business grants, business technical assistance, and tax increment financing. As an example, in 2023, the City approved 11 loans totaling over$4.4 million in direct financial support for South Bend small businesses-73 percent of loan recipients in 2023 were minority-and/or women-owned businesses. In 2023, the City approved tax abatements that would result in over $360,000,000 in new investment. Moreover, a City-wide exterior enhancement grant program was CAPER 37 OMB Control No:2506-0117(exp.09/30/2021) launched in January 2023 which has sparked projects that total over$327,000 in additional private investment. The St.Joseph County community was further committed to implementation of the low income employment provisions at 24 CFR, Part 135 in the use of federal funds covered by Section 3. To that end, the Section 3 clause is incorporated into each contract. All public works construction contracts using such funds included Section 3 language. In addition, Section 3 requirements were outlined during the pre-construction meeting for those projects. Actions taken to develop institutional structure. 91.220(k); 91.320(j) Any targeted approach to a geography meshes with the efforts of City of South Bend departments, local CDCs, and other nonprofits to plan and advance the effort. CDBG and HOME funds targeted to the Near Westside, Near Northwest, Southeast and Northeast neighborhoods offered an opportunity for working together to support the successful conclusion of a plan. South Bend utilized a team approach to working with its partners in implementing the programs/projects funded through the various federal sources.The Community Investment staff regularly communicated with all sub-grantees, and met with those entities involved in the targeted areas. Regularly scheduled meetings with CDCs occurred due to the nature of work and amount of funds allocated. Desktop monitoring of organizations occurred regularly throughout the year. Monthly site visits to the most active CDCs served to strengthen their working relationships with the City. The Regional Planning Council (RPC), which includes the Cities of South Bend and Mishawaka, holds monthly meetings via Teams to discuss program status and funding opportunities, and to address the broader issues of homelessness and service in the community. The virtual option is well attended as it allows attendees to work around their schedules. Actions taken to enhance coordination between public and private housing and social service agencies. 91.220(k); 91.320(j) As an active member of the Region 2a Planning Council (RPC), the City of South Bend works with 25 other agencies throughout St.Joseph County, including the Housing Authority of South Bend,the City of Mishawaka, the St.Joseph County Health Department and other service agencies and organizations. The RPC meets to address concerns and challenges in facing the homeless population and at-risk of homelessness population. The group meets regularly to further enhance the communication between the agencies in order to provide a variety of services to the community, as part of the St.Joseph County Continuum of Care. Additionally, agencies and the South Bend Housing Authority are working with private landlords and property management companies to participate in housing voucher programs. Identify actions taken to overcome the effects of any impediments identified in the CAPER 38 OMB Control No:2506-0117(exp.09/30/2021) jurisdictions analysis of impediments to fair housing choice. 91.520(a) As noted in the last Analysis of Impediments to Fair Housing Choice, completed in September 2020: • Racial & Ethnic Minority Concentrations—there is minimal racial and ethnic integration across St.Joseph County, South Bend and Mishawaka. The presence of racial/ethnic segregation presents challenges to fair housing as segregation is linked to economic and service disparities. • Individuals with Limited English Proficiency—languages spoken across the county show significant diversity. More than half of non-native English speakers report speaking English less than very well. Limited capacity to communicate hinders access to housing and public services that promote fair housing. • Protected Class Status& Unemployment—significant variation exists in the unemployment rate of the county and cities across gender, race, and ethnicity. Unemployment has severe implications for fair housing as it effects disposable income for household expenses. • Housing Rental Costs—disparity exists between the salary earned by minimum wage laborers and the fair market rent (FMR) established by HUD. The FMR for a 2-BR apartment is$810. A minimum wage laborer must work 86 hours a week to afford the rent. • Housing Affordability-disparity exists in the affordability of housing. Median housing values have increased while median income has decreased.There is a disparity in the affordability of a house across race/ethnicity with the housing prices of the area. • Protected Class Status&Household Size -the majority of minority families have three or more persons within their households; however, rentals are primarily 1-BR and 2-BR units. Lower rates of home ownership among minority households suggests that large minority families may have difficulty finding adequate rental housing with a sufficient number of bedrooms, which may result in overcrowding. • Opportunities to File Fair Housing Complaints-St.Joseph County, South Bend, and Mishawaka have public ordinances to protect and enforce fair housing for residents. Lack of awareness of these ordinances and lack of consistency in handling complaints can lead to disparities in treatment across jurisdictions. • Unsupported Section 8 Vouchers- both the Housing Authority of Mishawaka and the St.Joseph County Housing Authority report waiting lists for Section 8 Housing Voucher assistance. • Housing Authority of South Bend -the Housing Authority of South Bend (HASB)was not available for interview. Other interviewees referenced reduced hours of operation and services due to financial constraints and organizational problems. Internal problems within HASB can limit the access of residents to housing services. • Public Transit-South Bend and Mishawaka offer public transportation for their residents. Limited nighttime hours may restrict the commuting ability of second and third shift laborers and limited access to public transportation outside of city limits may limit the commute and access to services of low-mod income populations in the county. • Denial of Mortgage Applications-an impediment to fair housing is seen in the ability of lower income and minority households to obtain home loans.The primary causes of denial were CAPER 39 OMB Control No:2506-0117(exp.09/30/2021) related to the household's income. The rate of denial for Blacks and Asians remains higher than the rate for Whites. Hispanic households were also challenged as their denial rate has increased. In 2024, the City of South Bend and the St.Joseph County Housing Consortium began the 2025-2029 Consolidated Planning process which includes the completion of an Analysis of Impediment to Fair Housing Choice. CAPER 40 OMB Control No:2506-0117(exp.09/30/2021) CR-40 - Monitoring 91.220 and 91.230 Describe the standards and procedures used to monitor activities carried out in furtherance of the plan and used to ensure long-term compliance with requirements of the programs involved, including minority business outreach and the comprehensive planning requirements Annual, on-site audits at local agencies receiving CDBG, HOME, and ESG funds are scheduled per the HCD Plan to ensure compliance. All CDBG, HOME, and ESG subrecipients are desktop-monitored with each claim for reimbursement that is submitted to the Department of Community Investment (DCI). Technical assistance is provided to all subrecipients through email, phone communication, and in-person or virtual meetings with DCI staff throughout the year. As stated in the HCD Plan,a number of on-site monitoring visits of subrecipients occur each year to review their internal systems. As part of the monitoring visit, DCI staff meet with appropriate members of the subrecipient staff to review procedures, client files, financial records,and other pertinent data. In addition, a new subrecipient is monitored in its first year of funding. DCI staff performs a risk assessment annually for all recipients of grant funds. Utilizing the HUD risk analysis format, Subrecipients are evaluated using a number of categories and are selected for onsite monitoring based on factors such as delayed projects,slow draws, compliance concerns, staff turnover, and/or other concerns that may be identified through desktop monitoring.The audits are performed by DCI staff members that review accounting procedures and program compliance. Onsite monitoring visits are in addition to the desk audits completed when reviewing subrecipient claims, constant communication on projects via phone and email, and various meetings to discuss program issues. Each claim for payment submitted by a subrecipient requires a progress report relevant to the goals stated in the Scope of Services. In 2023, DCI staff and Administration and Finance staff completed an on-site monitoring visit for each subrecipient. In 2024, grant recipients selected for on-site monitoring was based on an evaluation of each program using HUD's risk analysis checklist. Those with low scores were selected for monitoring in 2024. The following monitoring was conducted by staff in 2024: • Inspections of all emergency shelter receiving ESG funding (May 2024) • Health Plus IN/AIDS Ministry/AIDS Assist—ESG (December 2024) • YWCA of North Central Indiana— ESG funding(December 2024) • Oaklawn—HOME funding(October 2024) • 466 Works—CDBG funding (November 2024) • South Bend Heritage Foundation—CDBG funding (November 2024) • Near Northeast Revitalization Organization - HOME funding (November 2024) CAPER 41 OMB Control No:2506-0117(exp.09/30/2021) Additionally, based on the size and complexity of a project/program there are regularly scheduled meetings between staff and agencies in order to manage real time communication, check status, and immediately address any issues/challenges that may arise.The following regular meetings took place in person and/or remotely in 2024: • South Bend Mutual Homes—(1) check-in meeting • Near Northwest Neighborhood—(5) check-in meetings • South Bend Heritage Foundation/ NNRO—(5) check-in meetings Attached to each contract for CDBG and HOME funding is an Appendix which details the City of South Bend's and St.Joseph County Housing Consortium's Minority and Women's Business Enterprises policy and expected steps the subrecipient will take to engage M/WBE organizations. Citizen Participation Plan 91.105(d); 91.115(d) Describe the efforts to provide citizens with reasonable notice and an opportunity to comment on performance reports. In accordance with regulations of the U.S. Department of Housing and Urban Development,the St. Joseph County Housing Consortium prepared a draft 2024 Consolidated Annual Performance and Evaluation Report(CAPER)describing the Consortium's accomplishments in housing and community development for January 1, 2024 through December 31, 2024. The draft version of the CAPER will be available to the public for review and written comment from March 3 through March 17, 2025 at the following locations: all branches of the St.Joseph County and Mishawaka Public Libraries;the Walkerton Public Library, and New Carlisle/Olive Township Public Library; the City of Mishawaka Planning Department office;the City of South Bend Department of Community Investment Neighborhoods office;and the City of South Bend City Clerk's office.The draft version of the CAPER will also be available online at www.southbendin.gov. Notice of the draft CAPER'S availability to the public will be published in the South Bend Tribune, the local paper of highest circulation, and at El Puente's website. WebPuente, the region's Spanish language news source. Comments on the 2024 draft version of the CAPER will be accepted in writing or orally in-person to the City of South Bend's Department of Community Investment, Neighborhoods Division or via email to federalgrants@southbendin.gov. After formal submission to HUD on or about March 28, 2025,the final CAPER will be available for public review on the City of South Bend's website. CAPER 42 OMB Control No:2506-0117(exp.09/30/2021) CR-45 - CDBG 91.520(c) Specify the nature of, and reasons for, any changes in the jurisdiction's program objectives and indications of how the jurisdiction would change its programs as a result of its experiences. The City of South Bend did not make any changes to program objectives. The goals of all programs still align with the priorities of the 2020-2024 HCD Plan. Does this Jurisdiction have any open Brownfields Economic Development Initiative (BEDI) grants? No [BIEDI grantees] Describe accomplishments and program outcomes during the last year. CAPER 43 OMB Control No:2506-0117(exp.09/30/2021) CR-50 - HOME 24 CFR 91.520(d) Include the results of on-site inspections of affordable rental housing assisted under the program to determine compliance with housing codes and other applicable regulations Please list those projects that should have been inspected on-site this program year based upon the schedule in 24 CFR §92.504(d). Indicate which of these were inspected and a summary of issues that were detected during the inspection. For those that were not inspected, please indicate the reason and how you will remedy the situation. Please list those projects that should have been inspected on-site this program year based upon the schedule in 24 CFR §92.504(d). Indicate which of these were inspected and a summary of issues that were detected during the inspection. For those that were not inspected, please indicate the reason and how you will remedy the situation. All HOME-assisted affordable rental housing facilities that were due for inspection in 2024 were inspected. The following units were inspected to confirm compliance with established housing codes: Shamrock Estates, North Liberty (05/2024)—Five (5) units inspected. Required repairs are noted on the attached document. Reinspected (06/2024)and all items were satisfactorily corrected. East Bank Apartments(05/2024)—Common areas and 15 units inspected. Required repairs are noted on the attached document. Reinspected (10/2024) and all items were satisfactorily completed. Oliver Apartments (05/2024)—Common areas and 15 units inspected. Required repairs are noted on the attached document. Reinspected (11/2024) and all items were satisfactorily corrected. DeMaude Duplex (05/2024)—Exterior and 2 units were inspected. Required repairs are noted on the attached document. Reinspected (07/2024) and all items were satisfactorily corrected. YWCA(06/2024)—Common areas and 24 units inspected. Required repairs are noted on the attached document. Reinspected (07/2024) and all items were satisfactorily corrected. South Bend Mutual Homes Scattered Sites (05/2024)—Five (5) houses inspected both exterior and interior. Reinspected (10/2024 and 12/2024—delayed due to change in management company) and all items were satisfactorily corrected. Letters were sent to each apartment community and management company detailing the deficiencies. Management was directed to make the necessary repairs and to report to DCI staff when the units were ready for a reinspection. All items noted were found satisfactorily corrected during the follow-up inspection at each property. Provide an assessment of the jurisdiction's affirmative marketing actions for HOME units. 24 CAPER 44 OMB Control No:2506-0117(exp.09/30/2021) CFR 91.520(e) and 24 CFR 92.351(a) The following language is included in every HOME contract executed between the St.Joseph County Housing Consortium and recipient of HOME funds: "The Participant agrees to carry out the Consortium policy and procedures for affirmative marketing by the use of community-wide publications, approved Equal Housing Opportunity logo type or slogan in any applicable marketing of housing assisted with HOME funds, and by any other procedure delineated in attached Appendix Ill, "Affirmative Marketing Procedures". Participants who are not in compliance with the above affirmative marketing will incur corrective actions as described in Appendix III (included as an attachment to this report). Refer to IDIS reports to describe the amount and use of program income for projects, including the number of projects and owner and tenant characteristics The amount of HOME program income received in 2024 was$95,153.56. The balance at the end of 2024 was$45,000, due to a payment received late in November and is allocated to be used for mortgage assistance for a home to be sold in 2025. Of the$50,153.56 expended in 2024, $48,287.64 was used for mortgage subsidy and $1865.92 went toward tenant based rental assistance for clients of Oaklawn's HOME TBRA program. A balance of$1,556.12 was carried over from 2023 and part was applied toward a construction subsidy of a single family home and a mortgage subsidy for a homebuyer. Describe other actions taken to foster and maintain affordable housing. 24 CFR 91.220(k) (STATES ONLY: Including the coordination of LIHTC with the development of affordable housing). 24 CFR 91.320(j) Affordable housing initiatives continued to be a focal point in the development and implementation of the 2024 Action Plan and Program Year. Acquisition/rehab of single-family homes and multi-family rental units; new construction of single-family homes and multi-family rental units on previously developed vacant lots; new construction of permanent supportive housing units; and, tenant-based rental assistance for severely mentally ill individuals served to foster and maintain affordable housing in the City of South Bend. CAPER 45 OMB Control No:2506-0117(exp.09/30/2021) CR-58 —Section 3 Identify the number of individuals assisted and the types of assistance provided Total Labor Hours CDBG HOME ESG HOPWA HTF Total Number of Activities 1 0 0 0 0 Total Labor Hours 100 Total Section 3 Worker Hours 0 Total Targeted Section 3 Worker Hours 0 Table 14—Total Labor Hours Qualitative Efforts-Number of Activities by Program CDBG HOME ESG HOPWA HTF Outreach efforts to generate job applicants who are Public Housing 1 Targeted Workers Outreach efforts to generate job applicants who are Other Funding 1 Targeted Workers. Direct,on-the job training(including apprenticeships). 1 Indirect training such as arranging for,contracting for,or paying tuition for,off-site training. Technical assistance to help Section 3 workers compete for jobs(e.g., resume assistance,coaching). Outreach efforts to identify and secure bids from Section 3 business 1 concerns. Technical assistance to help Section 3 business concerns understand and bid on contracts. Division of contracts into smaller jobs to facilitate participation by Section 3 business concerns. Provided or connected residents with assistance in seeking employment including:drafting resumes,preparing for interviews,finding job opportunities,connecting residents to job placement services. Held one or more job fairs. Provided or connected residents with supportive services that can provide direct services or referrals. Provided or connected residents with supportive services that provide one or more of the following:work readiness health screenings, interview clothing,uniforms,test fees,transportation. Assisted residents with finding child care. Assisted residents to apply for,or attend community college or a four year educational institution. Assisted residents to apply for,or attend vocational/technical training. Assisted residents to obtain financial literacy training and/or coaching. Bonding assistance,guaranties,or other efforts to support viable bids from Section 3 business concerns. Provided or connected residents with training on computer use or online technologies. Promoting the use of a business registry designed to create opportunities for disadvantaged and small businesses. Outreach,engagement,or referrals with the state one-stop system,as designed in Section 121(e)(2)of the Workforce Innovation and Opportunity Act. CAPER 46 OMB Control No:2506-0117(exp.09/30/2021) Other. Table 15—Qualitative Efforts-Number of Activities by Program Narrative At each Davis Bacon preconstruction meeting, Section 3 requirements are shared with the contractors. In 2024, DCI staff attended a job fair hosted by the Northern Indiana Minority Business Association and discussed Section 3 requirements with interested businesses and contractors. Section 3 requirements were also discussed with subrecipients and developers at regular monitoring visits. I' ' ; . 1. 04, 4 z v70, r0. „if, �" CAPER 47 OMB Control No:2506-0117(exp.09/30/2021) a,