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STRATEGIC COMMUNITY INVESTMENT FUND

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					                 CITY OF MEMPHIS
        DIVISION OF HOUSING & COMMUNITY
                  DEVELOPMENT




  GENERAL SCIF INSTRUCTION PACKET & APPLICATION

               FOR FUNDS AVAILABLE
     FISCAL YEAR 2006 (JULY 1, 2005-JUNE 30, 2006)

      APPLICATION DEADLINE: NOVEMBER 5, 2004

FORMS IN THIS PACKET MUST ACCOMPANY EACH PROGRAM
                    APPLICATION

            WILLIE W. HERENTON, MAYOR
            ROBERT LIPSCOMB, DIRECTOR
       STRATEGIC COMMUNITY INVESTMENT FUNDS
 GENERAL INSTRUCTIONS & APPLICATION FOR ALL PROGRAMS
                  TABLE OF CONTENTS

Introduction……………………………………………………………………….1
Housing & Community Development Goals……………………………..…2-3
Targeted Neighborhoods/Areas………………………………………………3-4
Additional Information…………………………………………………………..4
Descriptions of SCIF Programs……………………………………………….4-7
Community Service Grant
Emergency Shelter Grant
Homeless/Special Needs Housing HOME Match
Tenant Based Rental Assistance
Affordable Single/Multi Family Housing Program
Housing Developer Incentive Program
Community Housing Development Organization
Application Submission Requirements/Policies……………………………7-9
Deadline for All Applications
Applications for Multiple Programs
Corrections to Deficient Applications
Insurance Requirements
Questions about the SCIF
Application Format……………………………………………………………….9-10
SCIF Applicant Cover Sheet…………………………………………………….11-12
Exhibit I - Applicant Information……………………………………………….14-16
Exhibit II - Applicant/Agency Budget………………………………………….17-21
Exhibit II (A) - Nonprofit Applicants
Exhibit II (B) - For-Profit Applicants
Exhibit III - Application Certification………………………………………….22-24
Appendix A - 2004 Income Limits……………………………………………..25
Appendix B - 2004 Fair Market Rents…………………………………………26
Appendix C - Target Area Street Boundaries & Map………………………27
Appendix D - SCIF Required Documents Glossary..………………………28-29
Appendix E - SCIF Timetable…………………………..………………………30
STRATEGIC COMMUNITY INVESTMENT FUNDS
Introduction

The Division of Housing and Community Development (HCD) administers Federal and
City funds for programs that carry out its mission:

       To develop a system of integrated services and activities that drive neighborhood
       redevelopment, investment in housing capital, and economic development.

While many programs are carried out through HCD itself, others are contracted out to
eligible organizations on a competitive basis. The Strategic Community Investment
Funds (SCIF) will apply a community-based approach to HCD's programs that require
organizations and agencies to submit competitive applications for funding.

The funds available on a competitive basis are awarded to eligible nonprofit, for-profit,
faith-based, and other organizations to implement community and economic
development programs. The funds through this process are primarily available for
programs that benefit low and moderate income persons of Memphis as defined by U.S.
Department of Housing and Urban Development (HUD) income criteria and Fair Market
Rents (see Appendices A and B). In order to assist organizations that apply for these
programs, HCD has adapted its competitive grant processes through the Strategic
Community Investment Funds (SCIF), modeled after the HUD SuperNOFA program.

All HCD competitive funding programs fall under the SCIF. The SCIF provides a
complete picture of programs and funding available on a competitive basis through
HCD. The programs include:

   Community Service Grant
   Emergency Shelter Grant
   Homeless/Special Needs Housing HOME Match
   Tenant Based Rental Assistance
   Affordable Single/Multi Family Housing Program
   Housing Developer Incentive Program
   Community Housing Development Organization

The SCIF regulates the application and selection processes. The intention is to provide
a simple process and to make expectations of applicants clear. While each applicant
may apply for more than one available program, much of the documentation needs to
be provided only once. Applicants only need to submit one General SCIF Application
along with the individual program application for each program the applicant is applying
for (plus copies, of course).




                                                                                        1
Housing & Community Development Goals

The SCIF process enables organizations and agencies to design programs that
effectively address the strategic goals and objectives identified in the HCD Consolidated
Plan. The primary goal is to foster the development of viable urban neighborhoods that
include decent housing for everyone, expanded economic opportunities, and a suitable
living environment.

The Consolidated Plan identifies several objectives that are designed to help us achieve
the primary goal. These include:

Homeless objectives:
 Increase the number and quality of both transitional housing and emergency shelters
  for homeless families
 Encourage and broaden participation in discharge policy planning amongst
  institutions that serve homeless individuals with serious mental illness and/or dual
  diagnosis
 Create and expand outreach efforts that will result in enhanced service and housing
  delivery, timely information, and access to housing and services
 Encourage and support the development of permanent supportive housing for
  homeless families and individuals
 Improve collaboration, coordination, and case management of homeless service
  providers

Housing objectives:
 Assist in the development and production of affordable rental housing, especially for
  persons who are elderly and families with children
 Assist the development and production of single-family, owner-occupied housing
 Provide direct and indirect assistance to efforts that preserve and prevent the loss of
  existing housing
 Implement housing development programs and activities in targeted areas based
  upon the housing needs of the area
 Provide assistance to first-time homebuyers

Special needs objectives:
 Improve the self-sufficiency of persons with HIV/AIDS through supportive services
  and permanent housing
 Increase the number of appropriate permanent supportive housing units and
  transitional housing units for individuals with serious mental illness and/or dual
  diagnoses
 Assist the ability of the elderly to live independently through supportive services and
  assistance with home care, home repairs, and rental assistance
 Improve coordination, collaboration, and support of programs that treat chronic
  substance abusers

                                                                                            2
   Develop housing and services that promote independent living for the
    developmentally disabled
   Increase the number of accessible housing units for persons with physical
    disabilities
   Increase the opportunities to help victims of domestic violence to break the cycle of
    violence by funding programs that respond to housing and supportive service needs

Neighborhoods, community & economic development objectives:
 Develop plans that propose adaptive reuses of vacant properties that contribute to
   slum and blight in targeted areas/neighborhoods
 Fund and implement plans that will facilitate the redevelopment and revitalization of
   targeted areas
 Give preference to grant requests from organizations and businesses that provide
   employment training and job opportunities that provide a living wage and to expand
   small business development efforts in targeted areas
 Fund activities that provide recreational, after school, and life enrichment
   opportunities for youth from primarily low/moderate income families
 Fund non-profit organizations that provide essential, supportive and public services
   to seniors and elderly persons and programs that seek to improve the self-
   sufficiency of very-low to moderate income persons
 Provide funding and support for the renovation and development of public facilities
   that serve the elderly, special needs populations, and very-low to moderate income
   persons

Targeted Neighborhoods/Areas/Populations

HCD implements a geographically targeted approach to foster the development of
viable urban neighborhoods. In FY2004, a new target neighborhood approach was
developed: Servicing the Metropolitan Area through the Revitalization of Target
neighborhoods (SMART). SMART is based on the recognition that it is critical to target
inner-city neighborhoods that have experienced significant disinvestments, commercial
and residential declines, and overall blight. Coordination of targeted investment and
redevelopment efforts are essential to create critical mass and multiple development
nodes in order to attract private investment. Because of this, priority will be given to
applications for projects that are to be implemented within these targeted areas.

The criteria under which communities would be selected includes existing infrastructure
and leadership, commitment from the neighborhood, impact on surrounding
neighborhoods, existing conditions (low income, high poverty, economic generators,
incentives or investments that can be leveraged), committed public investment, and
special opportunities.

The targeted areas are grouped into four categories: Level 1 through Level 4. Level 1
areas will be targeted for significant city/federal investment over the next 2 years (2005-
2006) due to the amount of existing public and private investment and the extent of
                                                                                            3
need for revitalization. Level 2 areas include substantial city and federal investment,
but at an amount less than Level 1 areas due to existing initiatives and need for less
subsidy in these communities. Most of the activities in Level 3 areas are led and will be
sustained by private or nonprofit organizations. The city will support and partner with
existing or planned efforts. Level 4 areas are planned for significant city/federal
investment in years 2007-2008.

Out of the targeted areas, the Level 1 areas are considered top priority because of the
level of committed investments, special initiatives, and conditions that exist in those
areas.

Please refer to the street boundaries and map of the targeted areas in Appendix C.

The exceptions are the Community Service Grant, Tenant Based Rental Assistance,
HOME Match for Homeless and Special Needs Housing, and Emergency Shelter Grant
programs, which give priority to populations rather than geographic area, specifically
those programs that are targeted to special needs groups including those that are
presumed to be low and moderate income. These include the homeless, abused
children, battered spouses, the severely disabled, the elderly, the illiterate, and persons
living with AIDS.

Additional Information

This instruction packet for the SCIF process is meant to summarize the programs
available under the SCIF and the submission requirements for the General SCIF
Application. The General SCIF Application includes Exhibits I, II, and III and requires
information from applicants about their agency/organization. Applicants are required to
submit one General SCIF Application for each SCIF program for which they are
requesting funds. The instruction and application packets for each individual program
provide specific information about individual program requirements. The SCIF process
does not affect the specific Federal and local statutory and regulatory requirements of
projects awarded funds through HCD.


                      DESCRIPTION OF SCIF PROGRAMS

This section is meant to provide brief descriptions of all of the programs available under
the SCIF process. It is not meant to provide all of the requirements specific to each
program. Each program application has more specific information about the amount
and type of funding available for that particular program.

Community Service Grant
The Community Service Grant (CSG) program is a competitive process to provide
funding for supportive services primarily to homeless and special needs populations
which include persons with HIV/AIDS, a mental illness, the elderly, chronic substance
                                                                                              4
abusers, persons with developmental and physical disabilities, and victims of domestic
violence. The purpose of the Community Service Grant (CSG) program is to help
improve the quality of life for these primarily low and moderate-income populations in
Memphis. Only two activities are eligible under the CSG program, public services and
public facility improvements.

Public service projects provide funding for social services including but not limited to
employment and job training, child care and after school programs, health and drug
rehabilitation, education, senior citizen needs, and services for the homeless and
special needs populations. Operating costs (personnel, supplies, and materials) of a
private nonprofit agency to provide supportive services to these low and moderate-
income groups are also eligible. Public service projects are limited to a maximum
award of $50,000.00 per year for two years.

Public facility improvement projects involve the acquisition, construction, reconstruction,
or rehabilitation of facilities owned by nonprofit entities where public services described
above are delivered to low and moderate income members of the homeless and special
needs populations. This does not include single or multi-family housing but does
include emergency and transitional shelters for the homeless as well as service centers
for other eligible groups. Public facility improvement projects are limited to a maximum
one-time award of $100,000.00.

Emergency Shelter Grant Program
The Emergency Shelter Grant (ESG) Program is a competitive funding process open to
organizations that serve homeless populations. The ESG program is specifically
designed for rehabilitating and/or converting existing emergency and transitional
shelters; to provide adequate operating funds for existing or new emergency and
transitional shelters; to provide certain essential services to homeless individuals; and
provide funding for programs and activities designed to prevent homelessness. The
maximum amount that an organization may apply for is $60,000.00.

Homeless/Special Needs Housing HOME Match
The purpose of the Homeless/Special Needs Housing HOME Match program is to
encourage the development of permanent supportive housing for homeless and special
needs populations. The program is part of the City's strategy to link supportive services
with housing for these often hard-to-serve groups. The program will provide up to
$200,000 in dollar for dollar cash match for housing acquisition, rehabilitation, and/or
construction. The funds may be used to help match HUD Continuum of Care Permanent
Supportive Housing grants or other construction projects that will provide rental housing
for low-income, homeless and special needs households. Final award of funds is
contingent on the financial feasibility of the proposed project and the applicant
demonstrating the award of adequate additional acquisition and construction funds to
complete the project. The housing may be rented only to low income persons /
households (50% of median income in Memphis MSA or lower), who are homeless and
are members of a special needs group. Persons who are homeless must meet HUD's
                                                                                            5
definition of homelessness and special needs populations include persons with a
disability (physical, mental, emotional, or developmental), persons who are elderly, have
a diagnosis of HIV/AIDS, or are victims of domestic abuse. Units funded through the
program must be used to serve the targeted group for a specific use period, which
varies depending on the unit costs.


HOME-funded Tenant-Based Rental Assistance (TBRA) Program
The HOME-funded Tenant Based Rental Assistance (TBRA) Program provides rental
assistance to low-income individuals/households who are homeless or members of a
special needs group to enable them to rent market-rate housing units. The program is
part of the City's strategy to link rental assistance to supportive services to help
homeless and/or special needs groups move toward self-sufficiency and permanent
housing. The City will contract with Memphis Housing Authority (MHA) to operate the
rental assistance program. Through the SCIF application, the City will award certificates
for TBRA assistance to project sponsors that will refer to MHA for the TBRA assistance.
The agencies are required to provide needs-appropriate services to clients during the
time TBRA rental assistance is provided. Special needs populations are limited to the
homeless, persons with a disability (mental, physical, emotional or developmental), the
elderly and victims of domestic violence. No HOME funds will be provided to sponsor
agencies for supportive services or administrative costs associated with the TBRA.
Applicants will be awarded TBRA certificates, which their clients may use through
MHA's Section 8 Division. The City reserves the right to limit the number of certificates
awarded to an agency.

Affordable Single/Multi Family Housing Program
The Real Estate Department within the City of Memphis Division of Housing and
Community Development receives funding allocations annually from City and Federal
sources. The allocations received are to be used for the development and/or re-
development of affordable housing focusing on the priority and targeted neighborhoods
as defined by Mayor of the City of Memphis. The City funding allocations are reserved
for the development and/or re-development of infrastructure improvements only
whereas the federal funding allocations can be used not only for infrastructure but also
for renovation and new construction projects. Due to the fluctuation of allocated funds
from year to year, the availability of funds permitted uses and funding amounts are
referenced in the individual program application.

Housing Developer Incentive Program
The purpose of the Housing Developer Incentive Program (HDIP) is to promote middle
income development for homeownership in Memphis neighborhoods that have higher
rates of poverty, lower home values, lower rates of homeowners, and higher risk of
return on investment for developers. HDIP projects must include a minimum of 10
contiguous units or 10 infill units within a five-mile radius of each other. The
development must be located within one of the priority or targeted "Neighborhood
                                                                                           6
Redevelopment" areas (see Appendix C). The units may be contiguous or in-fill
surrounding a 3-5 mile radius and be under the same construction/management
partner. HDIP funds are strictly for infrastructure-related costs. The program provides up
to $8,000.00 per lot not to exceed 70 percent of the total project cost. There is a
maximum subsidy per development that must not exceed $500,000. Home sales prices
must be between $85,000.00 and $250,275.00.

Community Housing Development Organization Program
Funds for next fiscal year will only be awarded to organizations that have already
been designated as Community Housing Development Organizations.

The Community Housing Development Organization (CHDO) program is a competitive
funding process open to a type of private, nonprofit organization called a CHDO.
CHDOs must be organized under state and local law for the purpose of providing
decent, affordable housing (this must be evidenced in the Charter, Articles of
Incorporation by-laws, or board resolution); have no individual benefit to members; have
a clearly defined geographic service area; have nonprofit status; at least one-third of the
board members must represent the community it serves; and demonstrate at least one
year of experience in serving its community.

The activities that CHDOs may apply for under the competitive process are acquisition
and/or rehabilitation of rental housing, new construction of rental housing, acquisition
and/or rehabilitation of homebuyer properties, new construction of homebuyer
properties, and direct financial assistance to purchasers of CHDO-developed housing.

APPLICATION SUBMISSION REQUIREMENTS/POLICIES
Deadline for Submitting Applications

Completed applications must be submitted to the address specified below no later than
Friday, November 5, 2004. Applications may not be sent by FAX, mail or e-mail.
Applications must be hand-delivered only on or before November 5th between the hours
of 8:30 a.m. and 5:00 p.m. on city workdays as well as on the due date. For each
specific program proposal, applicants must submit an original and copies as required by
each program. All program applications except the Emergency Shelter Grant require
one (1) original plus two (2) copies. The Emergency Shelter Grant program application
requires one (1) original plus five (5) copies.

Applications must be submitted to:
City of Memphis Division of Housing and Community Development
ATTN: SCIF
701 North Main Street
Memphis, TN 38107

LATE APPLICATIONS WILL NOT BE ACCEPTED
                                                                                           7
Applications for Multiple Programs

Organizations/agencies applying for more than one program must only submit general
information required by all programs in one format. Applicants must submit one copy of
this "SCIF General Application" for each program application submitted.

Exhibit I of the application provides a matrix that describes the documents required
under each program. Where a document is required for more than one program, the
applicant need only submit it once.

Corrections to Deficient Applications
The City may not accept any unsolicited information from an applicant after the due
date. However, the City may contact an applicant to clarify an item in the application or
to correct technical deficiencies. Examples of technical deficiencies include failure to
submit an application containing original signatures of the Board Chairman and
Executive Director or failure to submit documents such as a list of board members, a
copy of the strategic plan, etc.

However, the City may not contact an applicant to clarify items that would improve the
substantive quality of the applicant's response to any eligibility or selection criterion.
Opportunities will not be made to provide information that will alter content of the
application or that changes the services to be provided, the population to be served, the
time frame of the project, the location of the project, or any other substantive information
that might improve the quality of the application.

City Insurance Requirements
All agencies awarded funds through the SCIF will be required to have insurance for the
project. The insurance must be general liability insurance coverage in the amount of
One Million Dollars ($1,000,000.00) and must name the City of Memphis as the
"Additional Insured". This insurance must remain in full force for the duration of the
project and must be issued by a company approved by the City. Agencies awarded
funds for public facility improvements or housing construction or rehabilitation will be
required to provide additional insurance.

Questions about the SCIF

General questions about the SCIF process should be directed to Mairi Albertson, at
(901) 576-7365.

Questions about specific programs and to request application instructions for the
following programs under the SCIF should be directed as follows:

   Community Service Grant: Kimberly Mitchell at 576-7310
   Emergency Shelter Grant: Kimberly Mitchell at 576-7310
                                                                                            8
   Homeless/Special Needs Housing HOME Match: Mary-Knox Lanier at 576-7310
   Tenant Based Rental Assistance: Mary-Knox Lanier at 576-7310
   Affordable Single/Multi Family Housing Program: Jocelyn Eddins at 576-7428
   Housing Developer Incentive Program: Jocelyn Eddins at 576-7428
   Community Housing Development Organization: Belinda Wilson at 526-6627

                             APPLICATION FORMAT
All applicants must complete the Applicant Cover Sheet and the SCIF General
Application, which includes Exhibit I: Applicant Information, Exhibit II: Agency
Revenues and Expenditures, and Exhibit III: Application Certifications in the format
provided and submit one original copy and an additional copy for each program
application submitted. Additionally, all applicants must complete the Individual Program
Application for each grant program applied for. These Individual Program Applications
and instructions are provided separately. All applications must be typed (not
handwritten) on the forms provided in the application packet or be computer generated
using this format. If space provided for answers is insufficient, attach additional pages.
As an alternative to using the paper forms, you may use your own computer-generated
copies of the required forms. Diskettes containing the general application and each
program application are available upon request.

All applications must be submitted as a packet and include the following items:

1. Checklist Coversheet (provided in this packet): one copy must be completed and
   attached as the cover sheet for the application.

2. General SCIF Application (provided in the packet): One copy for each Individual
   Program Application. The General SCIF Application includes Exhibits I, II, and III
   (provided in this packet). When a document is shown in Exhibit I - Matrix of
   Required Documents, to be required for multiple individual programs, the applicant
   need only submit the document once.

3. Individual Program Applications (not provided in this packet): For each specific
   program proposal, applicants must submit an original and copies as required by
   each program application in the format requested within individual project
   applications. All program applications except the Emergency Shelter Grant require
   one original plus two copies. The Emergency Shelter Grant program application
   requires an original plus five copies.

FOR EXAMPLE: If an agency were submitting an application for both the CHDO
and ESG programs, they would submit the following:

    1. The Cover Sheet


                                                                                         9
   2. One (1) original and two (2) copies (one for each Individual Program
      Application) of the General SCIF Application (Exhibits I, II, and III)

   3. One (1) original and five (5) copies of the ESG application

   4. One (1) original and two (2) copies of the CHDO application

If an agency were submitting an application for the ESG program only, they would
submit the following:

   1. The Cover Sheet

   2. One (1) original and one (1) copy of the General SCIF Application

   3. One (1) original and five (5) copies of the ESG application




                                                                               10
                                    SCIF
                           APPLICANT COVER SHEET

Applicant’s Name:

Applicant’s Address (Street, City, State & zip):




Authorized Representative of Applicant (name, title, telephone number, & fax):




Program(s) Applying for: Application Must Be Attached
  Program            Amount Requested
   CSG               $
   ESG               $
   HOME Match        $


   TBRA              $
   AMSFHP            $
   HDIP              $
   CHDO              $

Application Checklist:
Check all that apply. Enter N/A for documents that do not apply to programs applied for.
Applicant Cover Sheet
Exhibit I: Applicant Documentation and Experience
1. Required Documents for Programs you are Applying (See Matrix, p. 15)
       Charter
       TN Certificate of Existence
       By-Laws

                                                                                      11
      Mission Statement
      Strategic Plan or Work Plan
      501(c)(3), 501(c)(4), 501(c)(6), or 501 (c) (905) - specify which
      IRS Form 990
      IRS Form 1099
      Audit or Financial Statement
      Officers and Board List
      Board Composition
      Board Participation
      Nondiscrimination Policy
      Staff Resumes
      Proposed Job Descriptions
      Support Letters and/or Memoranda of Understanding (MOU)
   2. Experience Narrative
Exhibit II: Applicant Financial Information
   (A): Agency Revenues and Expenditures For Non-Profit Organizations
   (B): Authorization to Release Information and Personal Financial
   Statement
Exhibit III: Application Certifications
Program Applications: (enter N/A for programs that you are not applying for)
   Community Service Grant
   Emergency Shelter Grant
   Homeless/Special Needs Housing HOME Match


   Tenant Based Rental Assistance
   Affordable Single/Multi Family Housing Program
   Housing Developer Incentive Program
   Community Housing Development Organization

Remember: Attach one copy of the SCIF general application to each program
application that you are submitting.

                                                                               12
STRATEGIC COMMUNITY INVESTMENT FUND

              FY2006

        GENERAL APPLICATION




                                      13
               EXHIBIT I: APPLICANT INFORMATION
         STRATEGIC COMMUNITY INVESTMENT FUND - FY 2006

1. Required Document

All applicants for SCIF funds must provide the documents required by the SCIF grant
programs for which they are applying. Please use the Matrix on the following page as a
guide to the required documents related to applicant eligibility.

The following abbreviations are used for the competitive SCIF programs.

       Community Service Grant – CSG
       Emergency Shelter Grant – ESG
       Homeless/Special Needs Housing HOME Match – HOME Match
       Tenant Based Rental Assistance – TBRA
       Affordable Single/Multi Family Housing Program – AMSFHP
       Housing Developer Incentive Program – HDIP
       Community Housing Development Organization – CHDO

Note: The term “nonprofit organization” means a nonprofit organization that is (A)
organized under State laws; (B) has no part of its net earnings inuring to the benefit of
any member, founder, contributor, or individual; (C) complies with standards of financial
accountability acceptable to the Secretary of HUD; and (D) has among its purposes
significant activities related to the objectives of the funds for which it is applying.

For applications that involve nonprofit organizations serving as the applicant, the
application must provide either:

(1)    A copy of the Internal Revenue Service (IRS) ruling that provides tax exempt
       status for the organization under the appropriate part of the Section 501 (c) of the
       IRS Code listed above; or
(2)    Documentation showing that another agency with a 501 (c)(3) is applying as the
       fiscal agent for the project.

Nonprofit organizations that have not received this IRS notification as of the application
due date, or which cannot satisfy the alternative documentation as of that date, cannot
be awarded funds through this process.

Also, please note that, if a nonprofit organization does not provide the requested
documentation, the organization is not eligible to receive funds directly through the
SCIF process.




                                                                                         14
                        MATRIX OF REQUIRED DOCUMENTS / FY 2006
                                                             AMSFH & HDIP
                                            HOME              Non-     For-
DOCUMENT*                    CSG    ESG     MATCH    TBRA     Profit   Profit   CHDO
Charter                       X       X       X        X                         X

TN Certificate of
                              X       X       X        X                         X
Existence
By-laws                       X       X       X        X                         X

Mission Statement             X       X       X        X        X        X       X
                                                                                3, 4,
501 c 3, 4 ,6,or 905          3       3       3        3        3
                                                                                905
IRS Form 1099                                                            X

IRS Form 990                  X       X       X        X        X                X

Agency Budget                 X       X       X        X                         X

Audit or Financial
                              X       X       X        X                         X
Statement
Authorization to Release
                                              X                          X
Information
Personal Financial
                                                                         X
Statement
Officers & Board List         X       X       X        X        X        X       X

Board Composition
(include street address &
zip code, profession, age,                                                       X
gender, ethnicity of
members)
Board Participation
Nondiscrimination Policy      X       X                X

Staff Resumes (including
full and part-time staff      X       X                                          X
and consultants)
Proposed Jobs
                              X       X                                          X
Descriptions
Memoranda of
                              X       X
Understanding

      *See glossary in Appendix D for an explanation of each item.
                                                                                        15
2. Experience Narrative
For the applicant, please describe in no more than five (5) double-spaced, typed pages,
the following:

(1)   Experience and knowledge in serving clients that are targeted by the grant funds,
      if applicable. (i.e., the homeless for ESG grant, persons with AIDS for HOPWA
      grant)

(2)   Experience and knowledge in programs similar to those proposed in the
      application. For example, applicants for Emergency Shelter Grants should
      describe their experience in working with the homeless, operating an emergency
      or transitional shelter for the homeless, providing supportive services to the
      homeless, and providing services to help prevent homelessness. Similarly,
      applicants for CHDO funds should describe their experience in housing
      programs. Applicants for Homeless/Special Needs Housing HOME Match
      should describe their experience in developing and operating housing for the
      homeless and special needs populations.

(3)   Applicants of the Single/Multi Family Housing Development and the Housing
      Developer Incentive Program should describe experience and knowledge in the
      development and/or redevelopment of single family or multi family projects.
      Please list the developments that the applicant has been involved in and what
      their role was. Also, indicate whether or not those projects utilized city or Federal
      dollars. Please provide information on the management of the projects as well
      as the cost associated with the development and/or redevelopment.




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              EXHIBIT II (A): APPLICANT/AGENCY BUDGET
               TOTAL AGENCY REVENUES AND EXPENDITURES
                      NON-PROFIT APPLICANTS ONLY

Agency Name: ________________________________________________________

Agency Fiscal Year:   from ___________ to __________
                                  Actual         Current         Total Estimated
                                 FY 2004         FY 2005            FY 2006
                                  Budget          Budget             Budget
 I. REVENUE
     Agency Fund-raising
     Government
     Grants/Loans
     Non-Govt. Grants
     Contracts
     Fees for Services
     Other Income
       TOTAL REVENUE (A)

 II. EXPENDITURES
      Salaries
      Employee Taxes &
      Benefits
      Professional Fees
      Contracted Services
      Subscriptions/
      Memberships
      Communications
      Materials and Supplies
      Occupancy/ Rent
      Local Transportation
      Client Services
      Major Equip. Purchases
      Bookkeeping/Audit
      Other
      TOTAL EXPENDED (B)
 III. BALANCE (A - B)
*FY 2004 means the year ending in 2004, FY 2005 means the year ending in 2005 and
FY 2006 means the year ending in 2006




                                                                                   17
                             EXHIBIT II (B):
                 AUTHORIZATION TO RELEASE INFORMATION

                        FOR-PROFIT APPLICANTS OF
                  SINGLE/MULTI FAMILY DEVELOPMENT AND
                  HOUSING DEVELOPER INCENTIVE PROGRAM
                                  ONLY

The City of Memphis Division of Housing and Community Development, (HCD) requires an Authorization to
Release Information form to be signed by all parties to the proposed transaction. This authorization will allow HCD
to obtain the credit information deemed necessary to process applicant's information including but not limited to
personal and business credit reports, verification of mortgage/rent, and verification of employment. This
authorization further allows HCD to share this credit information with funding sources as may be required by
agreement. It is expressly understood that all parties are bound by the Financial Privacy Act of 1978 and 1973.


Applicant Information:



Name: __________________________________             Address: ___________________________

                                                               ___________________________


SS#: ___________________________________             Date of Birth: _______________________



Applicant Signature: ____________________________________________________________

Date: _________________________________________


PRIVACY ACT NOTICE:
This notice to you, as required by the Right to Financial Privacy Act of 1973, that the Department of Housing and
Urban Development and the Veterans Administration has a right to access to financial records held by a financial
institution in connection with the administration of loan assistance. Financial records involving your transactions
will be available to the Department of Housing and Urban Development or the Veterans Administration without
further notice or authorization but will not be disclosed or released to another Government agency or Department
without your consent except as required or permitted by law.


                                                                                                                18
                          FOR-PROFIT APPLICANTS OF AFFORDABLE SINGLE/MULTI FAMILY
                         DEVELOPMENT & HOUSING DEVELOPER INCENTIVE PROGRAM ONLY
                                                              PERSONAL FINANCIAL STATEMENT (ATTACHMENT A)

                                                                                       As of _________________________ , 20 _____




Complete this form for: (1) each proprietor, or (2) each limited partner who owns 20% or more interest and each general partner, or (3)
each stockholder owning 20% or more of voting stock, or (4) any person entity providing a guaranty on the loan.

Name                                                                                                                     Business Phone (           )


Residence Address                                                                                           Residence Phone (               )


City, State, & Zip Code


Business Name of Applicant/Borrower


                              ASSETS                                                            LIABILITIES
                                                                              (Omit Cents)                                                                (Omit Cents)

Cash on hands & in Banks ...........................                  $ __________________      Accounts Payable ...........................      $ ______________________
Savings Accounts .........................................            $ __________________      Notes Payable to Banks and Others                 $ ______________________
IRA or Other Retirement Account ...............                       $ __________________           (Describe in Section 2)
Accounts & Notes Receivable .....................                     $ __________________      Installment Account (Auto) ...........            $ ______________________
Life Insurance-Cash Surrender Value Only..                            $ __________________            Mo. Payments .......................        $ ______________________
  (Complete Section 8)                                                                          Installment Account (other) ...........           $ ______________________
Stocks and Bonds .........................................            $ __________________            Mo. Payments .......................        $ ______________________
   (Describe in Section 3)                                                                      Total Revolving Debt ....................         $ ______________________
Real Estate ....................................................      $ __________________      Mortgages on Real Estate ................         $ ______________________
   (Describe in Section 4)                                                                           (Describe in Section 4)
Automobile-Present Value ...........................                  $ __________________      Unpaid Taxes .................................    $ ______________________
Other Personal Property ..............................                $ __________________           (Describe in Section 6)
   (Describe in Section 5)                                                                      Other Liabilities .............................   $ ______________________
Other Assets .................................................        $ __________________           (Describe in Section 7)
   (Describe in Section 5)                                                                      Total Liabilities .............................   $ ______________________
                                                                                                Net Worth………………………...                             $______________________
                                                  Total ...........   $___________________                                   Total ..........     $ ______________________

Section 1.                    Source of Income                                         Contingent Liabilities

Salary ...........................................................    $ ___________________     As Endorser or Co-Maker .............             $ ______________________
Net Investment Income ...............................                 $ ___________________     Legal Claims & Judgments ...........              $ ______________________
Real Estate Income .....................................              $ ___________________     Provision for Federal Income Tax ..               $ ______________________
Other Income (Describe below)* ...............                        $ ___________________     Other Special Debt .........................      $ ______________________

Description of Other Income in Section 1.



              Alimony or child support payments need not be disclosed in "Other Income" unless it is desired to have such payments counted
               toward total income.
                                                                                                                                                                19
Section 2.           Notes Payable to Bank and Others.      (Use attachments if necessary. Each attachment must be identified as a part of
                                                                      this statement and signed).

  Name and Address of Noteholder (s)          Original      Current       Payment Amount            Frequency            How Secured or Endorsed
                                              Balance       Balance                               (monthly, etc.)          Type Of Collateral




Section 3.           Stocks and Bonds. (Use attachments if necessary. Each attachment must be identified as a part of this statement
                                                 and signed).

 Number of Shares               Name of Securities                 Cost            Market Value                    Date of               Total Value
                                                                                 Quotation/Exchange          Quotation/Exchange




Section 4.           Real Estate Owned.           (List each parcel separately. Use attachments if necessary. Each attachment must be identified
                                                   as a part of this statement and signed).




                                                     Property A (Primary Residence)              Property B (Rental)            Property C (Rental)

Address


Date Purchased

Original Cost

Present Market Value

Name and Address of Mortgage Holder

Mortgage Account Number

Mortgage Balance

Amount of Payment per Month/Year

Status of Mortgage


Section 5.           Other Personal Property and Other Assets.        (Describe, and if any is pledged as security, state name and address of
                                                                      lien holder, amount of lien, terms of payment, and if delinquent, describe
                                                                      elinquency).




                                                                          20
Section 6.          Unpaid Taxes.               (Describe in detail, as to type, to whom payable, when due, amount, and to what property, if any,
                                                a tax lien attaches).




Section 7.           Other Liabilities (Describe in detail).




Section 8.          Life Insurance Held       (Give face amount and cash surrender value of policies - name of Insurance company and
                    beneficiaries).




          I authorize the City of Memphis to make inquires as necessary to verify the accuracy of the statements made and to determine my
creditworthiness. I certify the above and the statements contained in the attachments are true and accurate as of the stated date(s). These statements
are made for the purpose of either obtaining a loan or guaranteeing a loan. I understand FALSE statements may result in the rejection of the loan
request.


Signature:                                  Date:                       Social Security Number:




                                                                         21
EXHIBIT III: APPLICATION CERTIFICATIONS

The undersigned applicant is seeking grant or loan funds or certificates for Tenant
Based Rental Assistance from the City of Memphis, Division of Housing and Community
Development. The applicant understands that these are made available through the
U.S. Department of Housing and Urban Development (HUD) and as a result, require
compliance with numerous regulations. The applicant agrees to comply with applicable
City, State, and Federal rules governing the funds (as applicable to a particular project),
including but not limited to, the following:

1. The applicant will comply with the requirements of 24 CFR 570 (Community
   Development Block Grant), 24 CFR Part 92 (HOME Investment Partnership Act), or
   24 CFR 576 (Emergency Shelter Grants Program, Stewart B. McKinney Homeless
   Assistance Act), as applicable.

2. The applicant will comply with the following Federal requirements as they apply to
   the project:

   Title VI of the Civil Rights Act of 1964 which provides that no person in the United
    States shall, on the ground of race, color, or national origin, be excluded from
    participation in, be denied the benefits of, or be subjected to discrimination under
    any program or activity receiving Federal financial assistance;

   Age Discrimination Act of 1975 which prohibits discrimination on the basis of age in
    the provision of services and employment;

   Rehabilitation Act of 1975 which prohibits discrimination against an otherwise
    qualifies handicapped person in the provision of services and employment and in the
    construction and rehabilitation of facilities for public use;

   Title VIII of the Civil Rights Act of 1968, popularly known as the Fair Housing Act,
    and the Fair Housing Amendments of 1988 which prohibit any person from
    discriminating in the sale or rental of housing, the financing of housing, or the
    provision of brokerage services, including otherwise making available or denying a
    dwelling to a person because of race, color, religion, sex, national origin, handicap,
    or familial status;

   Section 109 of the Housing and Community Development Act of 1974 as amended
    regarding nondiscrimination in the provision of services funded in whole or in part
    with Community Development Funds;

   Labor Standards in accordance with the Davis-Bacon Act, as amended, the Contract
    Work Hours and Safety Standards Act when applicable to a project;




                                             22
   Environmental standards as described in 24 CFR 570.604 and 24 CFR 58 by
    providing all information requested by the City and complying with all subsequent
    requirements determined by the City to address environmental problems;

   National Historic Preservation Act and related acts and regulations with regard to
    the rehabilitation, demolition, and alteration of properties deemed to be of historic
    significance;

   Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970
    for a project that displaces a family, individual, business, or nonprofit organization;

   Executive Orders 11246 and 12086 which prohibit discrimination in all phases of
    employment during the performance of Federally assisted construction contracts;

   Executive Order 11063 and implementing regulations at 24 CFR 107;

   Executive Order 11625, 12432, and 12128 to make efforts to encourage the use of
    minority and women's business enterprises in connection with activities funded
    under this part;

   Section 3 of the Housing and Urban Development Act of 1968 which requires that
    opportunities for training and employment be given to low and moderate income
    persons residing within the city limits of Memphis;

   Lead-based paint elimination and use per 24 CFR 570.609;

   Use of debarred, suspended, or ineligible contractors per 24 CFR 570.609;

   Uniform administrative requirements of 24 CFR 85, OMB Circular A-122 and A-133
    as applicable which require compliance with financial management standards,
    competitive procurement methods, regular reporting regarding the progress of the
    project, record keeping requirements, contractor bonding, property management and
    disposition standards, audit standards, conflict of interest standards, and so forth.

3. The applicant will provide a drug-free workplace by:

   Publishing a statement notifying employees that the unlawful manufacture,
    distribution, dispensing, possession, or use of a controlled substance is prohibited in
    the agency's workplace and specifying actions that will be taken against employees
    for violation of such prohibition;

   Establishing an ongoing drug-free awareness program and any other required
    actions regarding the maintenance of a drug-free workplace.

4. The applicant shall follow Federal standards which prohibit the use of federally
   appropriated funds for influencing or attempting to influence any federal employee in

                                             23
   the awarding of funds and require disclosure of such an action on Standard Form
   LLL-A Disclosure form to report lobbying.

5. The applicant shall report all program income generated as a result of any federally
   assisted project and shall follow City requirements concerning the disposition of the
   program income.

6. The applicant certifies that all sources of funding for any project submitted are
   shown on the project budget.



Agency Name

Project(s) Title(s) (please list each individually):




Signature, Executive Director

Typed Name and Title

Date Signed

Signature, Board Chairman

Typed Name and Title

Date Signed




                                               24
                       APPENDIX A
                   FY2004 INCOME LIMITS
                            for
       Memphis, TN—AR—MS Metropolitan Statistical Area
                               Median Family Income: $54,100.00


                                80% Median                 50% Median        30% Median
    FAMILY SIZE                Family Income              Family Income     Family Income

      1 PERSON                   $32,100.00                    $20,050.00    $12,050.00
      2 PEOPLE                   $36,650.00                    $22,900.00    $13,750.00
      3 PEOPLE                   $41,250.00                    $25,800.00    $15,450.00
      4 PEOPLE                   $45,850.00                    $28,650.00    $17,200.00
      5 PEOPLE                   $49,500.00                    $30,950.00    $18,550.00
      6 PEOPLE                   $53,150.00                    $33,250.00    $19,950.00
      7 PEOPLE                   $56,850.00                    $35,550.00    $21,300.00
      8 PEOPLE                   $60,500.00                    $37,800.00    $22,700.00

(Source: http://www.huduser.org/datasets/il/il04/index.html)




                                                    25
                        APPENDIX B
                 2004 FAIR MARKET RENTS*
                            for
       Memphis, TN—AR—MS Metropolitan Statistical Area

               Efficiency          1BR                     2BR       3BR       4BR
Fair Mkt        $458.00           $534.00                 $626.00   $870.00   $913.00

*Rent plus all utilities except telephone

(Source: http://www.huduser.org/datasets/fmr.html)




                                                     26
                APPENDIX C: TARGET AREA BOUNDARIES
                            North             East             South            West
Level 1
                        Mud Island Rd    Second, Ayers,     Exchange &       Mississippi
Uptown
                         & Chelsea       Danny Thomas         Auction          River
New Chicago              Levee Road      North Watkins        Chelsea      Danny Thomas

Fowler Homes             E.H. Crump       S. Wellington        Walker        South Third
                         E.H. Crump,
College Park/                              Neptune &
                         East RR, &                        E. McLemore       Mississippi
Soulsville                                  Bellevue
                           Walker
St.Patrick's/ Linden/                                      East Georgia
                            Linden        Walnut Street                      Third Street
Pontotoc                                                     Avenue
                                                                           Neptune, Porter,
Lamar Terrace/
                            Linden            I-240            Walker       E.H. Crump, &
Elmwood
                                                                               Walnut
Level 2
                                                                           Horn Lake Road
Whitehaven                   I-55           Airways           Stateline
                                                                                  &
                                          South Third &
West Whitehaven             IC RR                             Stateline         IC RR
                                         Horn Lake Road
                                           Buntyn St,
                        Southern Ave,                        Park Ave,      Ic Rail Road,
Orange Mound                              Goodwyn St,
                         Ic Rail Road                        Lamar Ave       Lamar Ave
                                          Pendleton St
                         Loosahatchie                                        Mississippi
Frayser                                      IC RR           Wolf River
                            River                                              River
                           Summer         North Holmes
Binghamton                                                Poplar Avenue     N. Hollywood
                           Avenue            Street
Douglas                   Wolf River       Homes Rd           LN RR           IC RR
Cooper-Young              Central Ave      East Pkwy       Southern Ave     McLean Blvd
Klondyke/ Jackson
                         Chelsea Ave       Watkins St       Jackson Ave       Ayers St
Ave
Level 3
                         Raines Rd.,                       East Holmes
                                          Germantown
Hickory Hill            Winchester, &                        Road &         Getwell Road
                                             Road
                         Mt. Moriah                       Stateline Road
                                          Cleveland &
Medical Center               I-40                         East McLemore    Danny Thomas
                                           Bellevue
                                                                              Manassas
Madison Heights         Poplar Avenue     East Parkway     Union Avenue
                                                                               Street
                        Poplar Avenue
University of                            North Goodlett
                        & Walnut Grove                     Park Avenue     Goodwyn Street
Memphis                                      Street
                            Road
Fairgrounds              Central Ave.      Hollywood       Park Avenue      East Parkway
Level 4
Hyde Park/                                                Vollintine &
                          Wolf River         IC RR                          North McLean
Hollywood                                                 L & N RR
South Memphis           East McLemore     Elvis Presley   East Mallory       South Third
Riverview/ Kansas       South Parkway        Florida      West Mallory           I-55




                                                 27
   APPENDIX D: SCIF REQUIRED DOCUMENTS GLOSSARY
Charter: The document filed with a U.S. state by a corporation's founders, describing
      the purpose, place of business, and other details of a corporation (also called
      articles of incorporation). A copy of your charter is required for SCIF to make
      sure your charter is current.
Tennessee Certificate of Existence: Documentation that the Tennessee Department of
     State recognizes you as a legal corporation. A copy of your Certificate of
     Existence is required for SCIF to make sure your certification is current.
Bylaws: The rules that govern the internal affairs or actions of a corporation. Bylaws
      generally include procedures for holding meetings and electing the board of
      directors and officers. The bylaws also set out the duties and powers of a
      corporation's officers. A copy of your bylaws is required for SCIF to determine the
      soundness of your organization and consistency with program funds sought.
Mission Statement: The fundamental purpose of your organization’s activities. This is
      required for SCIF to determine the appropriateness with program funds sought.
Strategic Plan or Work Plan: Documentation detailing your organization’s past, present,
       and future vision, goals, objectives/tasks and processes toward fulfilling your
       mission. This is required for SCIF to determine the soundness of your program
       and consistency with program funds sought.
501(c)(3), 501(c)(4), 501(c)(6), or 501(c)(905): Various sections of the Internal Revenue
      Code exempting certain charity and non-profit organizations from federal income
      tax. A copy of your organization’s determination letter from the Internal Revenue
      Service recognizing your non-profit status, if applicable, is required for SCIF
      because non-profit status may be an eligibility requirement for certain types of
      funding.
IRS Form 990: The tax form filed with the IRS by tax-exempt organizations, other than
      private foundations. A copy of your most recently filed 990, if applicable, is
      required for SCIF as reference to your organization’s financial statement as filed
      with the IRS and to show your organization is current with the IRS.
IRS Form 1099: The tax form filed with the IRS by organizations that pay certain kinds
      of payments subject to backup withholding. Backup withholding is an IRS
      procedure designed to ensure that a taxpayer who does not have a Social
      Security number or tax identification number will still have taxes withheld on their
      income. A copy of your most recently filed 1099, if applicable, is required for
      SCIF as reference to your organization’s financial statement as filed with the IRS
      and to show your organization is current with the IRS.
Agency Budget: An itemized forecast of income and expenses expected in the future.
     This is required for SCIF to determine the soundness of your organization and
     need for funds.
Audit: An examination of the financial records, typically undertaken to clean up
       bookkeeping or to verify that proper records are being kept. Businesses and non-

                                            28
       profit organizations often undergo an annual audit by an independent accounting
       firm. A copy of your organization’s most recent audit is required in lieu of a
       financial statement for SCIF to determine the soundness of your organization.
Financial Statement: A written report that quantitatively describes the financial health of
      a company. A financial statement includes an income statement, the accounting
      of sales, expenses and net profit for a given period, and a balance sheet, the
      quantitative summary of a company's financial condition at a specific point in
      time, including assets, liabilities and net worth. This is required in lieu of an audit
      for SCIF to determine the soundness of your organization.
Officers and Board List: The names and contact information of the Directors currently
       serving on your organization’s Board and identification of the individuals serving
       as officers of the Board. This is required for SCIF primarily for reference.
Board Composition: The street address and zip code, profession, age, gender, and
      ethnicity of each Board member to insure compliance with nondiscrimination
      policies, as well as other requirements specific to individual programs.
Board Participation: Documentation of the attendance of Board members at meetings.
      This is required for SCIF to gauge the involvement and support by the Board of
      Directors in the activities of the organization.
Nondiscrimination Policy: The federal requirements set forth in 24 CFR 5.105(a)
      regarding nondiscrimination and equal opportunity in hiring and access to
      services provided. Documentation of your organization’s nondiscrimination policy
      is required for SCIF as a reference to your organization’s compliance with the
      law.
Staff Resumes: The resumes of your organization’s staff that will be involved in the
       programs for which funds are sought. This is required for SCIF to determine if the
       staff is likely to produce program success. Include full and part-time staff and
       consultants.
Proposed Job Descriptions: The qualifications required for the position and the duties to
      be performed. This is required for SCIF to determine if the job(s) to be performed
      is likely to produce program success.
Memoranda of Understanding (MOU): MOUs from leaders in the community, other
     related service providers, and possible collaborators documenting the need for
     the proposed services, their support, and/or their cooperation with your
     organization regarding the program for which funding is being sought. This is
     required for SCIF to document the community support and need for the proposed
     program, and promise of collaboration, if applicable.




                                              29
                       APPENDIX E: SCIF TIMELINE
2004
  Friday, October 1:        SCIF applications available and kick-off event
  Friday, November 5:       Application deadline for all SCIF programs
  Friday, November 12:      Departments send notices of receipt to all applicants
  Friday, November 19:      Reviewers prepare rejection notices for applications
                            submitted after the deadline and/or in an unacceptable
                            format
  Wednesday, December 8:    Reviewers prepare letters requesting information to
                            correct technical deficiencies
  Monday, December 20:      Deadline to submit documents to correct technical
                            deficiencies
2005
  Wednesday, February 2:    Staff reviewers prepare letters of rejections for ineligible
                            applicants and ineligible activities
  Friday, March 25:         Approval/Rejection letters sent
  Friday, July 1:           Projects/Contracts begin




                                       30

				
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