 it was turned over to Felicia Killmore because first of all I think everyone should have a good understanding of what is it that the city can do how can the city help and so Felicia is the director of our community development program this morning so I may have to go through some information a little bit more quicker than I anticipate but we got to do the best that we can just keep in mind it is a little bit more high level so we will provide our contact information just in case you want to have a more in-depth conversation 101 as we move forward it is as you continue to explore opportunities okay so I'm Felicia Killmore I'm the director of community development we look at it at 1401 Main Street on the fourth floor we administer federal programs so we receive funds are from HUD that we utilize those dollars to invest in a form of housing whether it be single-family or multi-family so we utilize what we refer to as home home funds that's kind of like the acronym but it's actually called home investment partnership program which is like I mentioned the program through HUD that we administer we work with non-profit and for-profit organizations to again develop new affordable housing single-family homes or home ownership and for rental keep in mind that all our federal programs are catered towards lower moderate income individuals and families that's it I'm on my fourth development King Lion Street, Martin Luther King, Emma Stowe, Booker Washington and I know Tony is actually doing some work in Booker Washington as well the neighborhood revitalization was kind of incorporate Eau Claire's among the areas to fill in the entire Eau Claire area, Pinehurst, Delaware and Brandon Acres, Cedeterias so those are nine communities not areas that we try to focus our dollars in to help redevelop those areas and improve those areas so these are just some of my housing goals that we have in place want to ensure that our dollars are definitely increasing and making decent safe affordable housing for the citizens of Columbia definitely want to ensure that we revitalize and enable it is to improve quality of life for the residents provide financial assistance to prevent homelessness and provide housing and support services to the homeless as well so with these new projects that we endeavor in with our for-profit or non-profit organization want to create jobs improve and stimulate the economy provide permanent housing for persons suffering with HWA's and provide financial assistance to prevent homelessness for persons living with HWA's and of course by quality services support services for those individuals that's living and maintaining those homes for housing stability here recently I don't know if you actually got the notification that we actually put on the streets three point five million dollars that we want to encourage applications for new units new form units we have a workshop I guess in September September 20th 20th I think was the date that we had the workshop one outline how we want those funds to be structured how we are to utilize but of course again it was for affordable housing or either home ownership or for rental in layman's turn what that means the three point five million dollars is funds that the city has to invest in your projects a lot of times of course that's an application process that you have to complete all supported documents you have to turn in what the plans are how you are to utilize those dollars particularly on the city's portion how you be utilized the city's funds as you request a portion of the three point five million that we had put out there to utilize that's kind of high level again if you want more information please feel free to reach out to me and I'll be more than more than happy to go over what that looks like I thought I could read Russian I got time to look at one of them so when we put the three point five out those are if you notice see so these are the eligible projects that we want to ensure that we invest in it new construction for affordable housing rental units so that could be multi-family just as the mayor said townhomes and then also rehabilitation of affordable rental units as well if you have units that you maintain to have had in place for a number of years as long as there's no federal funds that was invested in those properties and you're out of your affordability period you could request additional dollars from us to read those units okay to improve and of course single-family homes for home ownership so again as I mentioned earlier you know these funds are catered tours folks that falls within a lot of modern income and kind of what that lot of modern income looks like for a single person that whereas the income doesn't like to see forty seven thousand five hundred dollars they're considered lower-modern incomes yeah so for a single person living or occupying one of these units that is supported by federal dollars a lot of modern income looks like as a single person that is their income cannot exceed forty seven thousand five hundred dollars as a single person become low the maximum income level doesn't freeze unfortunately I don't have that right at the top of my head but it does increase this as your family grows they'll be looking for flexibility in terms of the income okay so again you know with we try to work with of course nonprofits and as a matter of fact that the nation we receive for these funds are nonprofit organizations and we also work with for-profit organizations we do have some some work relationship now with for-profit organizations that's a little more on a higher level that we are currently working with these organizations and we the city itself is work with those so there we don't have federal dollars in those projects so these are larger larger multi-family live tech projects that are in works that we also work with as well but federal dollars federal dollars we generally like to support our nonprofits if you notice that you know we when we extended funds to support their projects we do look at in terms of how much they can afford or support alone we look at what is making up the total funding piece of their project are they have engaged a private bank to support them and what that long structure is like so a lot of times you know we have to underwrite it to determine how much debt they can afford to ensure that the project still cash flows and so many times we will look at a combination of a grant as well as a low-cost loan to help that project you know we don't want to have you going into a project and it doesn't cash flows you know they are low income individuals that we occupy these units so they're not market rate so we do look at the entire structure all the funding that is incorporated that goes into that project grant portion versus a loan portion so a grant portion is generally you don't pay back it's set up as a giveable type format giveable loan so to speak some people are inferred to as a grant I don't want to utilize the word as grant because it's set up as a for a giveable loan a portion to give in each year keep in mind when you're utilizing these federal dollars there is an affordability period that you have to commit to as you utilize these dollars well I don't actually go more details of that so that the property remains affordable or a number a number of number of years as required through hoodlates but I would like a lot of details on that for profits we do look at those again a few notes at the interest rate that we generally extend to for profit organizations is three point five interest rate which is still excellent when it comes to lending if you look at the interest right now on the private market you know you're going to have eight percent interest rate at least right now so again we want to ensure that that project cash flows okay so it remains a stable the entire affordability period again when we extend these types of loans we are willing and more than willing to take a junior lead to the private lending sector so if you have a bank loan you know they don't want to be in firstly position okay that's a given most times so we will be willing to take second position some cases we are willing to take third position okay but the key is is to make it make it all work make it on our cash flows so we have make sense and again the private name sustainable so as I mentioned earlier you know we do look at a forgettable loan of course we pay a loan and a combination of both to ensure that the cash flows once once your project completed then we'll allow a 90 day grace period sort of speed before you start beginning to that service your loan with the city we do have some flexibility with that as well sometimes I've seen this in six months I've seen a year that we've done in the past which means we'll allow you to move forward occupy those units collect rent for at least 12 months before you start that service scene of the city's month that give you some flexibility to build your reserve so that you can maintain those years okay so that we did look at a combination of other funding source we are the participation jurisdiction of his home funds as well as we do use which is community block grant program referred to a CVG use those dollars as well to provide some rehabilitation also just look at some projects that we've been involved in recently with our home dollars we work with an organization out of Greenville homes of hope this is clean bill now this is just like a picture the most recent project that we completed that we closed this project in 2022 now keep in mind they started back in 2020 working on this project the city about this opportunity solidifying the land that that had been identified so what we got to share with you this is over the Ennesto area total total development cost was 5.3 million that went into the overall cost to complete it if you notice how much does that we provide on the city side home funds which is 609,000 and so this right here is a multi-family before around unit 8 units is affordable mind you there's 22 units in the entire project but eight are the affordable ones that we provided assistance with the home dollars market yes so this is a lot of folks which is how we used to live where you know doctors live right next door the teachers and so forth but this allows next income in the community so another project we have assisted in the past this is your team development corporation here's my setups here's the executive director here's the back here in the back with the blue that's on he's the executive director over team development they were involved in the watercress town home if you notice the total development cost for that project what he was this always want to ask the question is if you if you notice a total development cost that went into this project is 1.1 million huge difference now so those were the good things sort of so if you notice the project time finally took us to complete their projects 3.5 years okay so it does take time to you know to finalize it a lot of work goes into it this is hairs and contact information here yes one more one more demon so this right here is a project that was done around the north main the veranda this is a senior community wonderful wonderful development if you know it was a light tech project total development costs 10 million low income house yes like tech is low income housing tax credit those are funding sources you get from a state government you have applied to the state housing to to to have access to those funds okay and I'll give you some information about that too over the contact for more information so two million seven million came from the low income tax credit two million came from the bank and a million came from a million come from pretty long to the project so I've already worked with the Columbia Empowerment Zone set up learning okay so you need information about the level that took to bring that project to to close to completion she can provide information on that police law is the executive director of the Columbia Empowerment Zone so she was the first El spearheading that particular project so I want to kind of give you some funny other funding sources beyond the same that you all have access to if you want to move forward with creating developing affordable housing units this is through the sound-run finance and development authority you know refer to the SE housing for short and use other various programs that they have by these sources that they have to assist that you can apply for this other nothing that they know and these are the contact persons that do contact these are the person with the expertise around these programs here Kevin Wilbur and she's over the lie tag and then Jennifer Cohen is over the other programs that we have like the whole the investment partnership SE housing trust fund small real development and national housing trust fund thank you thank you so I'm not going to punish Laila and I because I did build in a few minutes so Laila and it is one of the organizations that receive funding from the city and we want you all to see an example of that okay and Tony has on his shoes and I can't run around so real quick we work with at risk vulnerable homeless families with children have for almost 40 years back in 2015 we realized our families had nowhere to go even if they were working there was no safe clean affordable housing we went into strategic planning and we came up with this system of care emergency shelter transitional two-year housing and affordable housing the flood happened at that point we needed 8,000 units the flood happened within two weeks of us saying we're gonna do this and that number went to about 10,000 and as the mayor said we're now staring down 16 so we it is an LLC homeless no more it is the parent organization so we are considered a nonprofit developer we base this on organization out of New Jersey at that time they had about a hundred affordable housing units our latest strategic plan calls for 200 units of housing were actually a little over 400 across the state it also called for us to become senior partners or mentors to other nonprofit developers or organizations because with a lot of this funding you have to have experience to even apply so if anything sticks the three P's partner programs patience that means hope our first application and organization out of Greenville actually wrote sponsored for us they served as TA and they were technically funded kind of like we talk about first lean secondly they handed us the keys and signed it over you've got to do three projects with state housing before they let you apply as a senior partner so you gotta go find somebody to partner with you who has that experience right now we have houses scattered throughout the city and Richland County we we do new construction and then we do limited partnerships so there are for-profit developers who need nonprofits because you have to have some programming component so we have 300 units that have our name on them where we'll go in and work with the families to make sure they don't face a bitch so this was our first city project back in 2016 and I to this day was funny I was pulling the paperwork and Felicia you were in a lot of the email cables it was Debra Levickson and Valeria Jackson City County they both had some money but not enough money we went to them and we basically said we want to do housing it allowed us to buy four houses one of them is one block from the first house I owned when I was a newlywed it was a total of 404,000 and you know we told all these acronyms I called the ABCs of affordable housing it was home and CDBG because different funding sources can pay for different things and we sat down and we figured out how to make it work so these two houses were two of the four houses once on Harrison Road once on Magnum so the way this worked we got 202,000 forgivable loan and what that means is it burns off each year that you remain in compliance and we're gonna kind of touch on that real quick in a minute no debt service 202 and home funds from the city at that time talk about the good old days it was 0% interest so we still make a payment on those two houses but it was at 0% market rate right now is about eight it's the application I want y'all to see what you have to have for one of these applications you have to have year to date financials you have to have a projected monthly cash flow for 10 to 15 years because what they want to see is you're not operating in the red this was for four houses it's not for the 40 units that were developing tax returns audited financials it is a lot it's usually a four to six inch finder all right you have to usually have site control you have to have your pro former for 12 to 15 years your budget if you're building you've got to have your high level conceptuals cost estimates by licensed contractor stage two you've got to have an environmental the geotech survey preliminary architectural these are the ones that if you're doing 40 units are usually about a 145,000 a market study appraisal if it's for a house that you want to buy detailed budget market analysis you have to there's a list of people who do this they're about three thousand dollars they're the ones who are going to prove there is a need in that neighborhood for what you are doing so if I said I'm going to build this 3,000 square foot house and I'm going to sell it and it's going to be two doors down from where I live they're gonna look at me and say it's never gonna sell and your funders look at that to see if it's sustainable reimbursements for what I just talked about can take up to a year so you have to have money in the bank or front all of this you're gonna get it back but it might be your clients 15 to 30 years that means every person who rents from you once a year you have a file on them you have to make sure their income matches it means they're gonna come on site and they're going to ping you if the irrigation line is not covered up by pine straw you take the money there are strings attached restrictive covenant you can't sell it to somebody else to do something else with it on me and this is my 30 seconds city county state it all comes from a way it might just you know it's coming through a different place it's all coming from Washington so all these rules Felicia's not make them because she's gonna get all of it by today so these rules are across the board depending on where you go for what you're gonna have to piece it together like a puzzle no one person's gonna pay for all of it the best is private because there are no strings attached there's my contact information the other one thing that I have to point out is we're a mission-driven organization we believe in programs versus just housing as a landlord that's gonna talk about this you're gonna have to evict people that's counterintuitive for us so we have a housing coordinator so when our property manager says we've got a problem that housing coordinator then goes to the family and says come on what's going on you know you got to pay a rent we still have to evict people so you've got to have a program to moderate you can't just build it and then walk away program around just a little bit because of the conflict Miss Bean has to go but remember earlier I was talking about the problem that we have with landlords from California New York they don't care about their properties I was explaining my vision that with the churches had these houses but you got to know how to get them and this would be the section 8 program if they wanted to be a part of and you can tell me about your shortage and if they want to become owners and really help that program I appreciate that and I'll try to adhere to the rule of five minutes I do not have a slide presentation but we do have projects underway that you can drive by today and see as they are under construction my name is Yvonne Dubin and I am the CEO for Columbia Housing and I want to first commend the city for putting together a meeting of this kind it for me symbolizes the importance of it taking a village to be able to realize the the the the realize and meet the need that exists within our own community we are so super proud to report that we are a part of the solution we pride ourselves of being a part of the solution which is why we have projects under construction right now Oaks is staying in a spark we anticipate being completed by mid next year as well as Hayden at Palmer Point we're talking about collectively over 400 units of housing that will be added to the city of Columbia's inventory so that in itself is something that we're extremely proud of the total construction costs for both projects over a hundred million dollars it takes again a lot of resources a lot of different players to be able to realize that level of development federal tax credits state tax credits private capital you name it we try not to leave any stone unturned because we recognize the importance of being able to create quality affordable happening that's what we represent but that's not what I'm here to talk about today but I could not not point out just the role that we're playing in being a part of the solution I want to talk today specifically about the housing choice voucher program and again I commend the city for recognizing the importance of having us at the table as well to be a part of this conversation we on a monthly basis inject over three million dollars into the local economy through the housing choice voucher program we have dollars that we receive specifically from HUD the federal government to pay to private landlords potentially such as yourself on a monthly basis on behalf of the families that we serve so that's 36 million dollars a year that's significant um however the need is running right we have right now over 150 vouchers from the street meaning we have issued 150 vouchers the families that are searching for housing that are looking for housing and housing is not as easy to come by as it was years ago um affordable housing that is and so we need you all we need investors we need churches that own homes and properties to partner with our agency to participate in the program and make your units of housing available to those families that we serve the other piece that we do that the community doesn't always know is that we also are huge homeownership opponents we have been participants in a homeownership program for well over 25 years we have currently 80 families that are in our housing choice voucher home ownership program and what that essentially means is that we have 80 families that have vouchers the same rental assistance that we pay to you all on behalf of those families for rent we're paying some mortgage companies on behalf of those families for home ownership which is significant and most people don't know that and so i wanted to make sure that i shared a little bit of information as well the other piece and last piece i hope i'm doing great on the time yes okay thank you the other piece is that um HUD recognizes that housing costs today aren't what housing costs were two years ago and so one of the things that they have done to assist renters in being able to find a home that's within their price range is they allowed us to increase payment standards the payment standards are the amounts potentially that a private land or it can get in rent um and i can send Tina some information um councilman Herbis gives me some information to have her share with um you all so you can see this um in front of you all the visual person but it varies from for the different bedroom sizes but it used to be that we could only issue a payment standard above to 110 percent of the fair market rents well HUD has issued an exception that allows us to now increase our payment standards up to 120 percent of the fair market rent which opens up the opportunity for um housing options for those individuals with the voucher a little bit more it broadens it expands it and you as a landlord you want to be able to maximize the amount of rent that you receive for your assets your property so that's important so we made enough fuss and noise where they did increase it it's like me give an example of you know previously for a particular situation you could pick if we get this amount then we could get that yeah sure okay so for yeah i've got um on our website we have our payment standard information so i'll just give you an example a one bedroom units go up to 110 percent which was 1036 and now we can go up to 120 percent which is 1243 um a month so that's just an example now understand that it depends it's a case by case situation it also depends on the families income right it also depends on the cost of utilities so the amount that i gave you doesn't mean that you'll get that exact amount because it's in the case by case situation but there is a potential to and so that's important to point out and make sure that you all understand as well and hopefully encourage you all to participate in the program we have a lot of other programs too that allow us to work with veterans we have um you know supports that we are able to provide for individual seeking housing where we can in fact assist with security policies and some other things so um we're definitely actively doing what we can to ensure that individuals who need housing have housing um council member also asked me to speak to the waiting list so we have right now um about four thousand families on our waiting list that's four thousand families in need of housing not significant it's it it's very easily um to be perfectly fine with you when we open the waiting list it's it's so easy to to receive 500 applications in about 15 minutes so the need is grand but again um we can't do it by ourselves certainly we provide housing but the need exceeds what's not within our portfolio so we need that help and support of all of you so thank you here is to you that one of the things i want to emphasize too when she talked about the village concept um people who have sectionate vouchers and i was on the voucher program back when i had my my baby was a baby um it's important to have stable housing and my fear even this is just Tina Herbert but if you're able to stay even as a renter in a home for five or ten years you're more likely to have a village because at some point you're going to get to know that neighbor after five or ten years but if folks are moving every year or every two years they're of course i'm not going to say anything to a child and they're paying they just moved in six months ago you know i'm saying so to me that also helps us build our village back because we are losing our villages so thank you for that tommy lot is up next tommy you have exactly five sometimes don't get four of you um i want to thank everyone for coming out to one when our councilman Herbert told me that i'm going to be presenting to men and women of the clergy i said lord i'm ready i can't cast you ready and i got my shoes on so i'm ready to go so i think of the preparation him for the day uh will be uh happy and you know it clap your hands if you're happy and you know it clap your hands for the children and you're happy and you know it clap your hands see the first people know that because before they come up she does always a hymn so uh again that's what we are i mean it's all good so what if uh councilman Herbert asked me to talk about the bellmont revitalization project uh as the mayor came up he was talking about uh the bellmont project basically the bellmont project came as a result of the e-central plan uh and as miss cuba talked about the clusters that covered the city of where the city is looking to but the development bellmont is one of those areas and the way we got to bellmont was it had the largest track of land owned by the tn development corporation so it's a partnership there we currently have about 25 blocks there and if you look at part of what we're going to do uh the community wanted a community park so part of that uh land what we're going to use is going to be to develop a community park that will have walking trails etc followed by about 15 to 20 houses that's what the park will look like uh so we have uh over there we're going to those are some renderings of the houses that will be going over there you have the noble which is a three bedroom two bath 1300 square foot home the maple is a three bedroom two bath is a 1200 square foot home um the preliminary pricing for those homes if the maple is coming in at about 151,000 the noble is about 160 didn't have the dorsi because uh you have the color memories to show you the commitment from the city of columbia those costs does not include permits the city is doing all of the water sewer they're waiving the permit um and then we are looking at 15,000 dollars in down payment assistance so if you're looking at you take about 20,000 uh dollars away from those numbers so you're talking about 130 140 150 as a relate to the prices for those homes uh in addition to that the city is going to deed the lot to the potential homeowner so that cost is not even included in it so we're talking about individuals that's going to be walking away uh with significant equity in their homes uh so for the uh church organizations things of that nature feel like it's very important uh that you develop what we call a church that's a community development excuse me community housing development uh non-profit miss analyst so let's talk about that a little bit and spirit board talk about a little bit this is your opportunity to set up this type of organization so that you can then get some of this funding as the souls talk about uh you know again just go run and set that up I think you're going to get that funding it's the opportunity to partner with organizations such as yourself for other organizations so that you can really empower your parishioners if you have vacant land things of that nature you can then build on that you can either rent those homes to your parishioners or you can sell them to your parishioners keep the money flowing in the community and this is the private sector so basically what we're doing is uh the city has the land we're putting in for that we have a private developer who's going to build those homes um the they're going to carry the construction firm and we will take them out on the end so that how that work um funding opportunities state housing state of columbia original county community development lexington county um your membership as relate to setting up the cdc you have to have one third you know have to be divided up equally uh with someone from low income to be on that board um that will give you good funding options and what his thing i would like to uh stay on but getting five minutes so thank you guys i'll be around and we go from there thank you so much tony um pastor isale is not here so i want to tell i kind of told his story i gotta explain that so i'm gonna ask Ben to come on up then johnson so um earlier you heard me talk about pastor isale came to me like in 2015 2016 when i worked at the city and he had the shopping center i thought i had a picture of the shopping center but you all know what i'm talking about the old shopping center on the corner of river drive and sunset and he wanted to develop it um and he'll go to the property now yeah you see what year it is it's 2023 and i finally met with him again uh eight years later and he had to make some hard decisions okay so essentially um it was cost prohibitive for him to do the project and so without telling pastors these this tell us what you all plan to do in that transaction high level sure you got four or see how you get headed through oh so my name is ben johnson um i'm with weather rules state investments in lnl economic research and we are a consultant for streams development they're a multifamily developer at greenville south kawaii and currently they're working with pastor isale um on the site at 301 sunset to do a a market rate private sector multifamily development and so councilwoman herb kind of want to talk about what that involves and some of the costs um and so to do that we are our plans to build 300 apartment units there's me a 520 space parking garage on 46 surface apartment units 120 of those are going to be one bedroom 152 two bedroom units and 28 three bedroom units and the the total cost to do this and i think one reason why it was kind of out of reach for before the pastor in the church community it's going to be a 93 million dollar project and so that's that's breaking down about 78 million of that is going to be just the construction costs then you have a number of soft costs you go into the design planning the traffic studies there is 800 thousand dollars of environmental remediation that has to take place on that site due to a a film developing company that had an underground storage tank that leaked back in the 70s that has never been remediated yes he purchased the property without that knowledge unfortunately um and another component you know with with the current economic condition 5.6 million of that is interest costs and so you know a number of the programs that the city is is bringing up for housing assistance on that that provides is low interest loans for folks that that's available to you that really does make a big difference um and and so you know all all the way we're hoping to get the project off the ground and and start construction sometime fall of 2024 and have it completed by 2026 this presentation is you may not be well you can't do it by yourself okay you can't do it by yourself finding a development you can partner with and strike a deal with i'm not going to get in your business um but you know make it an equitable deal um but it also tells we we have a lot of situations where people buy property and then they find out all these problems so the remediation is it 1 million 1.2 million 800 of remediation on the environmental and then removal there's also 1500 tires that have been dumped on the site that also is a total number that'll be about 1.2 total yes yes so before he could do anything he realized he had to come up with a 1.2 million dollars and that's that's a great way to start a project isn't it all right so if you go to mr huggin's video and you'll walk up while the video was playing because we are about done and you don't finish in that minute and i'm serious we're going to be done with the program through a church uh what there was a opportunity to put a group on someone's house and uh it was more than happy it was more than a gentleman what we got to do was to be able to use my hands and be able to work with the community and be able to be able to bless homeowners that uh were in need uh i definitely saw the opportunity and i wanted to just be a part of it i enjoyed it and it's like what i got to do right and you know and pretty much the people we're going into that um going online and we did something to hang out with the boys and uh we came in with the words on her roof the day that i was able to work on her stuff that and they showed me the repairs underneath from the meat wall up in the roof and uh we're able to uh get that square away and smooth off the water proof and all that kind of stuff so she would have to work out my friends talked about maybe signing up together and we just signed up on mine and we were in the same group so we all worked on the same house and site together i was looking forward to trying some new skills and learning how to do some things so repair houses i think uh homework is a really great way to connect like younger people with the older people that we don't really interact with on a daily basis and we can just see how like even though we may not even know them we can help out and we can serve a purpose in their life that really means a lot to them it's a matter of about 27 years before i got divorced and then i moved in my own apartment and i moved to a few other places and my father passed away and i moved up here on page with my mom i moved in this side and my mom was on this side level one and i was level one and i had so i stayed with her until she got she passed away with Alzheimer's and hard trouble so once she moved once she moved in the nursing home and i stayed with her so i didn't have the whole house to myself so after that then the house of course needed some work so when i talked to my brother and my sister and different family members but of course nobody could help because nobody had any kind of money because my parents took care of this house when he was alive my mom and my dad but once i moved in i didn't have the finances to do all the stuff that needed to be done so i had three weeks i got one week fixed and then the other two weeks didn't get fixed until i for homeworks got here and then i had some um what you call the things up on the roof shingles i had some shingles up over there i've used in my shingles and they fixed the whole thing where i had leaps and where leaps didn't begin to start they had it up so they fixed that so i only found out about the homeworks when uh one of my shots and shots people forgot me doing shots they called and told homeworks about me they asked me to do like they couldn't help so i was so grateful for homeworks one hundred and one hundred and fifty percent better than i did before to tell people about our homeworks i'm resolved to break it on this house it won't take but two and a half okay keep me on track thank you you have to explain um there we go would you know buta uh good morning it's an honor to be here with you and thank you miss herbert for putting this together i am joe logans with homeworks of america and if it doesn't uh come up we're just going to go um we provide free home repairs for elderly disabled and veteran homeowners who qualify for our program home ownership low income very low income and we do that through the vision of four pillars the first one being affordable housing at home works we believe that the cheapest house is the one that's never built homeworks um takes advantage of the well-stopped inventory we have in columbia here at the post world war two boom we have houses here with good bones but they need roofs they need soffit they need fashion and if we can replace those wood items that are brought over time we can extend the life of these homes for seven and a half ten to fifteen to twenty years okay we also look at the health environment of the home 40% of your personal health is dictated by where you live the air you breathe the things you trip over okay and if we can take a look at at your home of what's making you sick or sending you to the hospital and we can remedy that okay we can keep you out of the hospital and keeping your you and your home to age in place gracefully the next thing we saw that in the video was workforce development if we can get the new next generation off their phones in the community working with tools but most importantly colliding with that demographic that they've hardly never seen unless that elderly generation of our city okay that's going to make a difference and then the fourth thing the fourth thing that we are passionate about is the gospel okay because our job is to get the roof over but our passion is the gospel because if we can go into a home and share the love of Jesus with homeowners it starts in that home and it goes next door and it goes across the street and then it's in the neighborhood and then it's in our city because I'm called to change the heart of our city if I if I'm doing what I profess to believe so what do we need from our churches is we need volunteers we need volunteers to go into these homes because we're going to get the work done but I need you to go in and sit on that couch we're done in a day our work is done in a day okay and so what does it look like for the local church to go into these homes weeks and months and years after I'm gone and we take a Thanksgiving meal and a Christmas dinner and a Christmas present that changes hearts oh by the way my typical home costs are five to seventy five hundred dollars okay so admission dollars we can extend the life of these homes for five ten fifteen years and in the city of columbia we've done 200 homes since 2017 with a return on the investment of nearly two million dollars so we would invite you to come partner with us and I would look forward to talking with you thank you miss Tina we love you I'll tell y'all the truth Joe what did we mean um I think we met last week oh we met Tuesday Tuesday I think we met Thursday at last and I was like oh I got to put you on the call