The real heroes are people like Paul Klodt, Bill Cullen and many others who
provide affordable housing with NO government subsidies, NO developer's
fees, NO credit enhancement fees, NO bond underwriting fees, and NO harm to
the Minneapolis taxpayers.  

Readers need to understand that, after all of the mumbo jumbo and
rationalization, Minneapolis donated $300,000 per year, for 25 years to
Minn's project.  That's the way TIF works....the Developer gets the cash,
the taxpayers get the debt.  Real estate developers have abused this form of
grant so many times that Minneapolis now FORFEITS almost $70 million per
year (28%)of its property tax collections to pay debts for developers.

Mr. Cullen made the point that Minn's "affordable" rents are HIGHER than
current "market rates".  So what did Minneapolis get?  More expensive
apartments and a $3.6 million debt, plus interest.  Was it worth it?  My
opinion is NO.

[Minn] It is not uncommon during lease-up for new construction properties to
take up to three full operating years to reach stabilized tax value.  Stone
Arch first occupied in September 2003.

[Heller]  The $19 million tax value (compared to the $33.5 million loan
value) is for taxes payable during year TWO, 2005.  The tax valuation for
year THREE, 2006, won't be posted on Hennepin County's website until April.
I marked my calendar to check in April.

[Minn]  The tax value of the property is determined by a combination of
income stream, replacement cost and market comparison.

[Heller]  Those same variable are used to determine "loan value" too; unless
government arranges the financing.

[Minn]  As I am no longer a public figure, you should consult an attorney
about your obligations regarding false and slanderous statements in a public
forum. Your next mistake may be actionable.

[Heller]  Make my day!  A lawsuit would be the fastest way to audit the
Stone Arch money trail.  I've posted this before:  When using public money,
financial records and tax returns should NOT remain private.  I'm working
with the Legislature on this issue too.

[Minn]  The $3,600,000 of Tax Increment is a junior mortgage, essentially
serviced by a part of taxes we created when the building was built.

[Heller] Once again in plain language:  Minn got the cash, Minneapolis
taxpayers got the debt, plus interest.

Vicky Heller
North Oaks and Cedar-Riverside

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