Last month the MPHA Board voted to authorize their staff to explore the
notion of having that agency be a full-boat developer of affordable housing,
not just a caretaker agency for the - ballpark figure - $500 million public
housing stock extant and wholly owned in Minneapolis. New federal rules also
permit MPHA to undertake substantial partnerships with private entities.
Both MPHA and MCDA have looked closely at what turns out to be a promising
market potential for senior housing in particular and MPHA is meeting with
housing advocates June 1 to go over the agency's current one-year and
five-year draft plans prior to the MPHA Board's public hearing on June 27.
The Minneapolis High Rise Representative Council (MHRC) will have some
heavy-duty comment finalized for inclusion in MPHA's annual message to its
federal overseers and other interested parties.

Stephen Seidel, the Executive Director of Habitat for Humanity, an agency
participant in the Consortium of Nonprofit Developers, argues that economies
of scale will once again have their day in the production of affordable
housing stock. Warning against unthinking reliance on the current
"mixed-income" formulation he says: "In mixed-income developments, the
standard approach is to reserve 20% of the units for households with very
low incomes (i.e. incomes below 50% of area median). This means that in
order to produce 20 units of affordable housing a development needs to
produce a total of 100 units. Based on this 20% formula (and using the
figures produced by the Minneapolis Affordable Housing Task Force which in
1999 determined that the city of Minneapolis alone needed 14,000 additional
units of affordable housing), relying entirely on the mixed-income
development approach would mean 70,000 total units of housing would need to
be produced in order to create the 14,000 units of affordable housing needed
just in the city of Minneapolis. Seventy thousand units of housing equals
approximately one-third of all the housing units that currently exist in the
city of Minneapolis. Clearly, producing 70,000 of units of housing in
Minneapolis is not going to happen in the foreseeable future. In the
meantime, tens of thousands of households are living in sub-standard
housing -- housing that is overcrowded or housing that consumes too large a
share of their modest incomes."

Cradle to grave collateral costs of inadequate housing on a massive scale
are there to be noted. Ask the service professionals who deal with family
crises. Ask the law enforcement community. Ask the families and individuals
themselves, especially renters. Ask the neighborhood associations across the
city. Ask small businesses about the destabilizing effects of too little
housing for too many people. Ask our tourist and convention visitors and our
suburban commuters about their personal comfort levels once the sun goes
down.

Large businesses and relatively advantaged homeowners might well consider
the cost of the "pounds of cure" required when our elected officials and
public agencies duck "ounces of prevention" strategies - specifically the
vote in Minneapolis to move the definition of "affordable" from 30% to 50%
of metro median income. Such a patent avoidance strategy deserves the
attention of all the city's voters because more of the same will mean
sharply increased public costs in the years ahead. One may hope that a more
resolute mayor and city council (aka the MCDA Board) - will abandon economic
handwringing and get on with some major housing production for the gazillion
Minneapolis households who bring in less than $20,000 annually. This is a
large city and we don't - we can't - all live in $150,000 to $200,000
bungalows with little lawns out front.



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