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HomeMy WebLinkAbout2010/06/22 Item 3 ,.",.. CITY COUNCIL AGENDA STATEMENT ~\~ CITY OF '':::~ CHUlA VISTA June 22, 2010, 1tem~ ITEM TITLE: SUBMITTED BY: REVIEWED BY: RESOLUTION OF THE CITY COUNCIL OF THE CITY OF CHULA VISTA AUTHORIZING THE CITY MANAGER TO EXECUTE LOAN DOCUMENTS BY AND BETWEEN THE CITY OF CHULA VISTA AND SOUTH BAY COMMUNITY SERVICES IN THE AMOUNT OF $385,000, AND ALL OTHER DOCUMENTS NECESSARY FOR THE FINANCING OF THE ACQUISITION AND REHABILITATION OF 1194-1196 TRENTON AVENUE FOR AFFORDABLE HOUSING, AND APPROPRIATING FUNDS THEREFORE rJ~ DEPUTY CITY MANAGEtwJDEVELOPMENT SERVICES DIRECTOR CITY MANAGEr 4/STHS VOTE: YES I X I NO D SUMMARY The City of Chula Vista City Council preliminarily approved a request from South Bay Community Services (SBCS), to provide financial assistance up to $385,000 from its federal Community Development Block Grant (CDBG) funds to support the acquisition and rehabilitation of a 7 unit housing complex located at 1194-1196 Trenton Avenue to operate as affordable housing. Now that all contingencies have been met, staff recommends authorizing the City Manager to execute loan documents after City Attorney approval. ENVIRONMENTAL REVIEW The Environmental Review Coordinator has reviewed the proposed action for compliance with the National Environmental Policy Act (NEP A) due to the use of Federal funds and has determined that pursuant to Section 58.35 (a), Title 24 of the Code of Federal Regulations the project is Categorically Excluded. RECOMMENDATION Adopt the resolution. 3-1 JUNE 22, 2010, ITEM L PAGE20F5 BOARDS/COMMISSION RECOMMENDA nON Thc Housing Advisory Commission (HAC) would normally provide an advisory recommendation on new affordable housing applications; however a quorum was unattainable on this item due to two commissioners' employment with SBCS. DISCUSSION On March 23, 2010, the City Council approved a pre-commitment to SBCS of up to $385,000 of CDBG funding towards the acquisition/rehabilitation of a 7 unit housing complex locatcd at 1194-1196 Trenton Avenue to operate as affordable housing. The City's intent to provide tlnancial assistance was predicatcd on some contingencies, one being the successful award of all other funds necessary to fund the project. Now that the applicant has secured all necessary funding commitments, City staff is requesting appropriations and authorization to execute loan agreements, refer to Attachments 1-3 for draft documents in substantial form. The Proposed Proiect 1194-1196 Trenton Avenuc consists of 3 I-bedroomll bath units, currently rented for $760 a month and 4 2-bedroom/1 bath units, currently rented for $925 a month. The proposed development consists of 7 affordable rental units to meet the needs of extremely low incomc former foster youth residents. The site is close to public transit and neighborhood services and facilities, including another SBCS complex providing housing and services for former foster youth. The availability of rental units priced for extremely low income residents is not available in the private rental market and this special needs population requires additional specialized services. Studies show that 40% of the chronically homeless were once in the foster system and 70% of the inmates on death row are former foster youth. The proposed 55-year term of affordability guarantees the availability of such housing and services for the long term. Income and Rent Restrictions It is proposed that 7 units will be affordable to and restricted for occupancy by extremely low income households, for youth aging out of the foster system. The unit breakdown, restrictions and estimated rents are summarized in the table below. 3-2 JUNE 22, 2010, ITEMl PAGE 3 OF 5 This projeet model assumes eontinued funding for Foster Youth serviees from the County Health and Human Serviees Transitional Housing Program Plus (THP +). Should these funds not be available in the future, the projeet would be made available to either another speeial needs population, or the general low ineome population. The ineome and rent restrietions outlined above will be incorporated into the Regulatory and Loan Agreements for the City Loan, whieh will be recorded against the property. Complianee with the income and rent restrictions will be subject to annual monitoring. The developer has successfully managed low-income housing units in Chula Vista. Proiect Management, Maintenance and Upkeep The City and County assistance drive the strict management, maintenance and upkeep of affordable housing developments. In order to attraet private investment and public assistance, developers of affordable housing need to ensure that the investment made will be proteeted. Projects are required to establish a property management plan and to implement and enforee the polieies and procedures. Additionally, reserves for eapital improvements and operations are set aside on an annual basis. Projects are then monitored on an annual basis for compliance with regulatory agreements. Complianee with strict property management policies and procedures will ensure that restrictions will be maintained for the full 55-year compliance period. Given the special needs population being served at the development, on-site seeurity is proposed at night and weekends, as well as a shared manager from SBCS' existing development for former foster youth. Proposed Financing of Proiect With rents restricted to 30 percent and below of the Area Median Income (AMI) for a period of 55 years, the net operating income is insufficient to support debt to cover project costs. SBCS was awarded $85,000 from the Federal Home Loan Bank's Affordable Housing Program (AHP) and $380,000 in Federal HOME funds from the County of San Diego. Tn Mareh the City Council conditionally approved financial assistanee in the form of a residual receipts loan in an amount not to exceed $385,000 to assist with the financing gap. A summary of the souree of funds and cost per unit are provided in the table below. 3-3 JUNE 22, 2010, ITEM~ PAGE 4 OF 5 Project Cost: Sources of Funds: PROFORMA SUBSIDY ANALYSIS Cost $ 850,000 Fuods AHP Fmdiog $ $ 85,000 85,000 Subtotal Subsidies: City ofChu]a Vista (eDBG) County of San Diego (HOME) Subtotal TOTAL $ $ $ $ 850,000 $ 385,000 380,000 765,000 850,000 Cost per Unit (7 Units) City Subsidy per Unit $ $ ]21,429 55,000 The use of CDBG funds has been proposed for this project in order to meet planning priorities, goals, and objectives in the City's General Plan Housing Element, Annual Action, Consolidated Plan, and CAPER. Council previously approved funds dedicated for acquisition and rehabilitation of affordable housing development in the CDBG plan in the current dollar amount requested, and due to proj ect size and the special needs population targeted; the project meets CDBG objectives and regulatory requirements for the use of such funds. Kev Luan Terms City assistance will be provided in the form of a residual receipts loan secured by a note and deed of trust, amortized over fifty-five years. The outstanding balance shall accrue with simple interest at 3 percent per annum. Payment of principal and interest, or portions thereof, on the City loan shall be made on an annual basis, out of a fund equal to thirty-three (33%) percent of the net cash flow of the project after reasonable operating expenses have been paid (Residual Receipts). The City assistance is based upon the assumptions presented within the sources and uses of funds, development budget, development proforma and other information filed with the Affordable Housing Review Application for the project as submitted and reviewed by the Development Services Department. The City assistance is a maximum level of participation. It is expected that any substantive revisions in such financing assumptions which would lead to an increase in other resources available, would therefore reduce the level of City assistance. The applicant must be able to deliver the project within the funds provided, no additional funding is available for cost over runs. Additional loan terms include the requirements for the Developer to select a qualitied property management firm to manage the project and participation in the Crime Free Multi- Family Housing Program. 3-4 JUNE 22, 2010, ITEM ~ PAGE 5 OF 5 Development Risks In its role as lender to the project, the City is exposed to three risks inherent to real estate development. These risks generally include: I) predevelopment (project does not get to completion), 2) acquisition/rehabilitation (project cannot be completed, cost overruns, contractor problems), and 3) operation (revenues do not cover expenses). A number of factors mitigate these risks. First, a component of the development team has a track record with other affordable housing projects. The presence of other major financial commitments, such as the County investment, means that other stakeholders depend on the short and long-term success of the project. By its nature, affordable housing presents some, but very limited market risk because of the deeply discounted rents. DECISION MAKER CONFLICT Staff has reviewed the property holdings of the City Council and has found no property holdings within 500 feet of the boundaries of the property which is the subject of this action. CURRENT FISCAL IMPACT The loan amount of $385,000 is already allocated in the CDBG Plan submitted to HUD and requires appropriations at this time. Funds for staff support are budgeted in the personnel portion ofthe Housing Authority budget. ONGOING FISCAL IMPACT There are no ongoing fiscal impacts of this action. Costs of City staff to monitor the project going forward are included in funds received by the Housing Authority. ATTACHMENTS 1. Draft Declaration of Covenants, Conditions and Rcstrictions 2. Draft Deed of Trust 3. Draft Promissory Note Frepared by: Stacey KlIrz, Senior Project Coordinator, Development Services Department 3-5 ATTACHMENT 1 NO CHARGE ON THIS DOCUMENT PER CALIFORNIA GOVERNMENT CODE SECTION 6103 Recording Requested By And When Recorded Mail To: City Clerk City of ChuJa Vista 276 Fourth Avenue Chula Vista, CA 91910 C""'='.'O'..",,'- "..',"".~-"" i;f;;;:ti~;Ei~= DECLARATION'<;>lLCOVENANTS, CONDITIONS AND"RESTRIQ'fJ9NS (TENANT RESTIUG:rIONS) (If'!~~1i12(i~Trenton A~~~=ue) (City CDl1G R~sill!!al Receipt~'!-oan) ~,;, CDBC,"_ "",,- -o.",.=-;,,".~ _"'-"::__L.:.'.':::-'-.'i-7. THIS DECL~TIO~~gF COVJ!;~~]~~fcYQ1~!2KfIONS AND RESTRICTIONS ("Declaration") is dat~ci;'as of tlie;,,,~ day of~jrge,,i,20 I 0, bY';~9-uth Bay Community Services, a California non-profit 5(yt:~~2(3) ("D~~larant") ii'i"~3~,iJnection with that certain parcel of real property ("Property")~~~,~~d in the\j}y,oJ"<';;~~I~#jsta ("Ci~), County of San Diego, California, described in Exhibil~:*'''attached hereto'JM<:FincorPorated herem by reference. ~.".':;:::-;;:;J;:~:S-";"-"''''''''''-~-:'-:" :-.:;"_'O~_ ~'':::":."2.~-!:.c:;:c;~~'"'T~'~ "'-;'-'-"'.:' .' - ~~~",,-~'...-~- = ''''Ei!~_:;;_':"' ;:;'2-~ ~---"'C'. RECITALS .."""--""."~ A. '~S~~:"['I1.e Property is!2~ated a0i'[94-1196 Trenton Avenue in Chula Vista, California (as more particulafIY~~,t~cribed onih~.;Property Legal Description attached hereto as Exhibit "A", the "Property"). Declar~Lhas acqliiii:d title to the Property and will be financing a housing project, with the aid of a 10aiiSJ!'(),m th.~,;;~ity of Chula Vista ("City") in fhe original principal amount of $385,000.00 ("City CDBQS1;9!W') utilizing U.S. Department of Housing and Urban Development CHUD") Community DeveIopment Block Grant ("CDBG") Program flmds. B. The City CDBG Loan was conditioned in part upon the recordation of a document setting forth certain restrictions upon the use and sale of the Property. This Declaration is that document, between the City and Declarant. NOW, THEREFORE, Declarant hereby declares that the Property shall be subject to the covenants, conditions and restrictions set forth below: I. Restrictive Covenants. Declarant agrees and covenants on behalf of itself and its successors and assigns, and each successor in interest to the Property, that at all times during the term of this 1 3-6 Declaration set forth herein seven (7) units at the Property shall be set aside and reserved as affordable CDBG Units restricted pursuant to the CDBG Program 24 CFR 570.208(a)(3) for the first fifteen (15) years, with an extension of terms herein for an additional forty years (40) years. As used herein the term "Affordable Units" shall refer to those residential units at the Property which are owned or held available strictly in accordance with the terms and conditions set forth below for the total offifty five (55) years. (a) Affordablc Unit Restrictions. The seven (7) Affqrdable Units shall be occupancy restricted for special needs low income populations at the Lo~)Y}H9ME rents during the lite of the special needs occupancy, from which a utility allowance, a~ipRfoved by the Housing Division, shall be deducted, in compliance with HOME regulations und,er':;14c;;FR 92.252(a) and (b), as defined by the City and allowed under CDBG regulations. ShotilQ'fspeci~V;~ej:ds funding for the project be terminated, the Developer shall set the maximurn,:~9nihly rents"i~~!h,e High HOME rents, with written consent by the City and County. The 111~~iptUrn number of p'e1:~Q!.l.s occupying each of the seven (7) Affordable Units shall be 2 persons'j3s.s~edroom, provided, hdV1~~er, that the foregoing maximum occupancy may be exceeded with theP8P"~ written~~2sent of t1\:e;~~tl', U2f-,""Cc:c. - "'c--"'.--.--"', (b) "Eligible Tenants" ar~r{itQ~~Jenants \\'li5~~;ifl~gate gross ann:Xi'ihcome does not exceed 50% of area median income, ifsi3!Sijit~l~ftJor famii)Tsi~.~~. All the units except the manager's unit, if a unit has been designated for suChfBurpo~~,~i.~~all be Af!2s~able Units and house persons of special needs, unless othe~ise approved"gx the'Cit&i;"Eor purpQ~,,~ of this Declaration, the area median income shall.2~ti1~;(f)??j,an incom.E,?etin~9'~~yl!l1,S;,Depaiiihent of Housing and Urban Development (HUDy~i.\@the tlien,~;'c11ITent arf"<i'ill<i~~;ill iricoin~${or the San Diego-Carlsbad-San Marcos MetropolitallSJ:ii.lj~tical Ai'ij,if; establisllegiperiodically b)THUD and published in the Federal Register, as adjusted fo'r{<iIppy st~fL The rentiifai}? the occupancy restrictions shall be deemed adjusted, fr.Qm1i]11~19time,ii1I.,wc9fdiih?e\Vith anylflCijustments that are authorized by HUD or any success9I;1Iifirri1:~;l1t:lhe.event~i:!WD ceas~~io:Publisli'an established median income as aforesaid, City rrtfY~'ln its sol~"d!~sr.etion;g~~~, any crtfi~f~reasonably comparable method of computing adjustmerijs}!? median in~&ii];2r Cbj'fgJ,~rogram rents. Notwithstanding anything contained herein to the contrary;,!o the extenVa!ix"other're.!i!tictions applicable to the Property limit the rent and/or occupancy o{iii~;Eroperty, the"WQst restrictive shall apply. (c) Anadlli~,lment;~ifents may be performed annually in accordance with the rents contained in the applicablecC=,i,ty;orHUD rent schedules published by the City of Chula Vista for the affected unit type and updiltt'd"from time to time. However, in no event shall the rents of the CDBG Units, as adjusted, exceed the maximum rents chargeable for CDBG Units. Further, the rents charged shall be further limited as set forth in Paragraph 14, hereof. 2. Affordable Marketing Plan Compliance; Selection of Residents. Declarant shall utilize the Agency's and City's standardized management and marketing plan for rental of all of the Affordable Units. Notwithstanding the foregoing, to the extent the management and marketing plan for rent of all of the low income units at the Property is subject to the review and approval of the U.S. Department of Housing and Urban Development ("HUD"), Declarant agrees to submit such plan to HUD for its review and approval and to make such changes as are required pursuant to any regulations, policies and/or handbooks of HUD. Declarant's marketing of units shall be in 2 3-7 compliance with federal and state fair housing law. All tenants of each CDBG Unit shall meet the income requirements set forth herein and tenancy Declarant's marketing of the Affordable Units shall be in compliance with federal and state fair housing laws. The marketing plan, at a minimum, requires publicizing the availability of the Affordable Units within the City, such as notices in any City-sponsored newsletter, advertising in local newspapers and notice in City ot1ices. In the event the Agency or the City implements a master waiting list for affordable housing in the City ("Master Lis!"), then Developer shall provide notices to persons on the Master List of the availability of the Affordable Units, prior to undertaking other forms of marketing,. Developer shall give the persons on the Master List not fewer than fifteen (15) days after ~~~lI,t of such notice to respond by submitting application forms for rental of the Affordable UlliiS'iiSelection of residents shall be made based upon the Master List, rather than on a first-come, ti~t~~~D:~ basis. Provided, however, 0) all tenants of each Affordable Unit shall meet the incom~~ r~mmerrieh!~l'et forth herein and tenancy and eligibility shall be in conformance with the teflI1s~~nd standaras~~.e! forth in the management marketing plan and no preference may be useJ'{6J'the purpose or ef[~~h().f delaying or otherwise denying admission to the Property or unit baseaIQQ the race, color, ethllicrC1rigin, gender, religion, disability, or age of any member of an applicani"Q211.sehold;)l!}<:l (ii) nothihg'l1erein shall restrict Declarant from screening tenants thro..u.cgh the appliciltiQ.:l1._.?~~c..n...~.!.....e.'fia which is lawtul,\l!ld customary in apartment management in San DiegQ;Q9J.illty and otherwi.~~l.co'nsistent with federal, state ami local regulations and restrictions related to"'iJ2~fi~~~l~g for tlle'Iirflect. "~. _.,_~__"_ .'0' 3. Determination; Annual Requalifi"tation. D~~larant shalF-obtain from each person to whom Declarant leases an AfIg"fSi[l2J:e''lJl1it a "SJpiilement~I~B'~gtal.Appli~1ition" ("Application") in the form of Exhibit "B",~!itachedhe~9tP (or sucliT2t~~r?fCiITn as':A.&~I1~y or City may from time to time adopt). Declarant shalcgeentitled[6lrely on t!i~f4j:rI;\ication arid'supporting documents thereto in determining whether a llo~S~hold i;il~!i':?ligible t~Q~nt". Declarant shall retain the Application and supporting.cl()(;ill1l~nts for a;Rl':riqa"'Of(QQtJ~2S thii'i1iihree (3) years after the household ceases to occupY.al}~Wfffud~blE5J;'I_l}jt. Ari?~;rdabi'ifB';jjtoccilpied by an Eligible Tenant, shall be treated as an EligiJ~L,~Tenant unm'~:f.e'tertifit1it!Qn of sucllf~ji'ant's income demonstrates that such tenant no longer qu'1ilm,es as an "Eligi~!~]enarits'iNotwithstanding the foregoing, Declarant agrees to comply with any anClllgLregulations,'p2!!cies and!ClE. handbooks of HUD, with respect to determination of tenant eligibim~hwith respect tti@1.e CDB6"Units to the extent the HUD requirements vary in any way from the requT{~~,:ts of E~!eClaration. 4. Relationship wltl\f8ecl;trant. The term "Eligible Tenant" shall not include Declarant or any individuals who are partifer~~br shareholders in Declarant or in any entity having an interest in Declarant or in the Property ~or oflicer, employee, agent or consultant of the owner, developer or sponsor. 5. No Student Dependents. No Affordable Unit shall be occupied or leased to any person who is a full-time student, or a household comprised exclusively of persons who are full-time students, unless such persons are married and eligible to file a joint federal income tax return or meet the criteria of U.S. Internal Revenue Code (IRC) 42(i)(3)(D)(ii)(I). The term "full-time student" shall be defined as any person who will be or has been a full-time student during five calendar months of the calendar year in question at an educational institution (other than a correspondence school) with regular faculty and students and or a student dependent as defined in the U.S. Internal Revenue Code, 3 3-8 unless the taxpayer (upon whom the student in question is dependent) resides in the same dwelling unit. 6. Income of Co-tenants. etc. The income of all co-tenants and/or non-dependent occupants shall be taken into account in determining whether a household is an Eligible Tenant hereunder. 7. Eviction. (a) Anv Reason Other Than Over Income. In the,ei~i}tthat a tenant who was properly certified as an Eligible Tenant at the commencement oLsl@l',oienanfs occupancy ceases to be eligible, for any reason other than being over income, Ry~Jljt?!it~hall give sixty (60) days written notice to such tenant to vacate the Affordable Unit. 'Ihe:y'acated~gQrdable Unit shall thereafter be rented to an Eligible Tenant. . ~. ~.. (b) Over Incomc Tenants. When'~f[~ gross income of ao'ii~~~nt who occupies an Affordable Unit exceeds the "low income" definitl9~'gs defin9slJin HOME ;€gl!liltions Title 24 CFR n.252(i), then the tenant shall cOInN.ence payingren.N~CJ.l!ifalent to thirty per~,ellt (30%) of the Tenant's adjusted income, subject to~llie.fair market rentcetling as set forth in HeME Regulation 92.252(i) and the next available corrip;!tIibl~1~i;?;ed and 2o@gured unit shall be designated as an Affordable Unit. The tenant shall cotitI~,-!c'toi-!2~.g~nsider~d:~!l,."Eligible Tenant" until evicted, provided this continued ocEupancy otherwise corqElt~~ with~'all.applicable CDBG Program requirements. .c.~i.:s.~;;;,E~c:. "'!f"i:'!pc::",, . _ 8. Maintenance. "".fi:O:4> c_ _. . .,.~. (a)&~f,Phvsical C6n.dltiofi!6t':Al'f6rdable U1hts. After completion of the AtIordable Units, Declaral}!r~hall'conti!iJil\llY majnt~lEc the A:ff6t~i1Ql~ 0ji.its in a condition which satisfies the Housing Qualit~~~t'[ndards proIT[lilgated -'bYtHUD uniIe-r~:i'ts Section 8 Program, as such standards are interpreteQ':?pd enforced bW~gency"iUlg'cc.:ity under their normal policies and procedures. Agency and City silillEl1::lve the right to;tJ1,;;pect tlie~fordable Units from time to time, on reasonable notice and at reasonahl~,times, in ord~['!o veritf1.:ompliance with the foregoing maintenance covenant. Further, each Affqfg,:ble UnitC~hall be requalified annually, as to the foregoing maintenance covenant, as part oft'l~~11Ua1i!~rj:ant requalification process described in Section 4 above. Any deficiencies in the physi;fulh.,cQl1Slition of an Affordable Unit shall be corrected by Declarant at Declarant's expense withifft!.JittY (30) days of the identification of such deficiency by Agency and/or City and delivery of written notice of the same to Declarant (nnless such deficiency is not capable of being cured within such thirty (30) day period, then such amount of time as City or Agency determines is needed, not to exceed one hundred twenty (120) days, provided Borrower commences cure within such thirty (30) day period and continues to diligently pursue cure). (b) Crime-Free Proiect. At all times during the term of this Declaration, the Declarant shall participate in the City's Crime-Free Multifamily Housing Program, or any successor or similar program established by the City. 4 3-9 9. Monitoring. It is contemplated that, during the term of this Declaration, the City will perform the following monitoring functions: (a) preparing and making available to Declarant any general information that the City possess regarding income limitations and restrictions which are applicable to theAtlordable Units; (b) reviewing the documentation submitted by Declarant in connection with the annual certification process for Eligible Tenants described in Section 3, above; and (c) inspecting the Affordable Units to verify that they are being maintained in accordance with Section 9, above. Notwithstanding the foregoing description of City functions, Declarant shall have no claim or right of action against the City based on any alleged failure to pertol'JP. such function. In addition, the Declarant shall cooperate with and utilize such forms, softwar~,~f~bsites and third-party vendors as may be required by the City. Jifi~~Jjio'-- - -",:"~''''''''''''' -"".-''=''''';-0, ~_~=~ '" ~~"__c_ 10. Lease Provisions. Declarant agrees that j!~~l11 include lhi'~!Lof its leases and cause its successors in interest to include in all of their leas'{:Wall provisions req1!i1:",d under the terms of the CDBG Program, including the following provIsions:-' 'c.;:c:':::-.:.>,-. - .--.- .. .. ...... =_.~.... n____..... Additional Lease Provisionsl Annual Incom1\'Yerifictliion: -;,:]';;,0:;'. '",,'~-"'-'--'-'. (a) =~~,}- ~"'"""'-"""""'-""". ~~~."_.._.._....- Lessee agrees, upon written n!<t~~st'iI9D:tthe LandYC@"CityofChula Vista ("City"), to certify under penalty of perj~J:Yth'e'i<\'k(;\,lracy or'i,tlh,information provided in connection with th,~5]Ca.mination ot:n~exmnin.~igg_of an'n~~Ljncome of the tenant's household. F1}Dh",rf~tenant agrees~:tl1at thecanmiaJincorii.~and other eligibility requirements,:~s~s~b~iaii\b~"and m~~li~aJi~liii~;t;bh~~(j#>the tenancy and that the tenant will confpJx prompt!y:,,~ith all re:qH~sis for information with respect to the tenancy from the''I5@fuglord,Z@ity,. Furthei'H~J)ant acknowledges that tenant's failure to m:()Yid():<lc~urate';hf()rni~tron:r~garc!ing ~ti~hrequirements (regardless of whether ~\l~Kjihjc2~fa~y",is intentkgnal orifh~f~J1tioi1iil) or the refusal to comply with the ,!it9uest for info-~~li()n wit~t",spect theretq}ishall be deemed a violation of this lease prBi'l~ion, and a.iti[t~Iial bie.~~~ of the tenancy and shall constitute cause for imm-~.c!iete temlinatioiiWlthe teil~(;'y. ~--=_. ":,;.,::-:,,,,~- (b) i1;'frti'of Lease fdr~@DBG Units. '.'.'-'i,...'.~_ Lessee has been'ma.<:le;l\'Viife by Landlord that the unit being leased was assisted with -- . ....~...__..- CDBG funds. Un<leritileprovisions of HOME 24 CFR 92.253, a lease must be for a period of not less than one (1) year unless the parties agree by mutual agreement that the term ofthe lease be less. The Lessee acknowledges that it has been made aware of the provisions 01'24 CFR 92.253. 11. Compliance with CDBG and Local Regulations. Declarant shall comply with all regulations, policies and procedures promulgated by HUD, or by City in connection with the CDBG Program, under which the Loan is being made to Declarant. Declarant's failure to so comply shall constitute a material default hereunder, entitling City to the remedies set forth herein. 5. 3-10 12. Successors Bound. Declarant covenants, for itself and its successors and assigns, not to sell, transfer, assign or otherwise dispose of ownership of the Property, without the express written consent of the City. Any prospective purchaser, transferee or assignee shall expressly promise in writing to be bound by all of the provisions hereof, including the covenant in this Section 13 to require successors to expressly assume the obligations herein. It is expressly acknowledged that the covenants and restrictions set forth herein shall survive any repayment of the Loan. Further, the obligations of Declarant hereunder shall be deemed independent of Declarant's obligations under the Loan. 13. Maximum Rent To Be Collected bv Declarant. In f\g/~~~nt, shall all oftherent, including the portion paid by the Eligible Tenant and any other personof;ehii!)';,collected by Declarant (the "Total -"'--~--~---'. '"". --~. Rent") for any rent restricted unit exceed the amountBfi'~prset fd'Tihj[1 Table 1. Total Rent includes all payments made by the Eligible Tenant and aIL~b'sidies receivea'cby Declarant. In the case of ,.._n___._.,'_" .'"_...-__ persons receiving Section 8 benefits, who are Eligible-Tenants, Declirar{f14c,:knowledges that it shall not accept any subsidy or payment that would c'~:ti~'the Total Rent receiv~C![fQT any restricted unit to exceed the maximum rents allowed in Table 1, toEL~y Afforc!:;tg!e Unit. ShB~lc!Declarant receive Total Rent in excess of the allowabl(: maximumii;ilt;,set,:forth' in Table 1,-Q~(;larant agrees to immediately notify City and Agency,ll[ih~jmburse th~'0it)C'ilia Agency for any stith overpayment. Acceptance by Declarant or its succe;~~2Is'lntjnl~rest, ofT6ta,i,.Rent in excess ofthe maximum rent set forth in Table I shall constitute a mJte[~al;15r~\~g;oftheL6ji1..Agreement and this Declaration. -==. ---- .-...." ~_.._""., . _. _n...__. 14. Cross Default.~.~~~f~~!~llEder the'Etan Ag~~~m:~ht!:inclu.diifg without limitation failure to make the paymentst;fo:,the CitY'5p.\lrsuant (6.~the?'S'ame, shaln'be a material default under this Declaration.":_ -.-;_=~ 'i~i.:;"Y -. - -- ~ ".'. -----..--~ -... = 15. T erm;ii:'-rhi~.Qeclara'ti'[!!,~4'.ilie;g-il-"~!lants X1L~xestrictions contained herein shall be effective on the d~~lhis[)eclaz~~i2n is~r~~2~~ed ail(FsqiitlE,~ni.ilin in full force and effect for a period oftifty five (5~J[ears from the{l_~~;ofrec~}?ition ofthlslDeed ofTrust. -,--~- -~ '._- 16. Enf6'{c~ment. Declafan:'t~xpressl~l~grees and declares that the City, or any successor public entity or agency-:i~~proper pany:[qd shalfl1ave standing to initiate and pursue any and all actions or proceedings, at law'9r.in equity tQ:~nforce the provisions hereof and/or to recover damages for any default hereunder, no'lli:tlhstanc!mg the fact that such damages or the detriment arising from such default may have actu;JIiy':been'suffered by some other person or the public at large. Further, the City, or any successor pubrffi"~iitity or agency shall be the proper party to waive, relinquish, release or modify the rights, coven,mts, obligations or restrictions contained in or arising under this Declaration. 17. Attornevs' Fees. In the event that any litigation for the enforcement or interpretation ofthis Declaration, whether an action at law or arbitration or any manner of non-judicial dispute resolution to this Declaration by reason of the breach of any condition or covenant, representation or warranty in this Declaration, or otherwise arising out of this Declaration, the prevailing party in such action shall be entitled to recover from the other reasonable attorneys' fees to be fixed by the court which shall render a judgment, as well as the costs of suit. 6 3-11 18. Severability. In the event that any provision or covenant of this Declaration is held by a court of competent jurisdiction to be invalid or unenforceable, then it shall be severed from the remaining portions of this Declaration which shall remain in full force and effect. 19. Covenants to Run With the Land. The covenants contained herein shall constitute "covenants running with the land", and shall bind the Property and every person having an interest therein during the term of this Declaration. Declarant agrees for itself and its successors that, in the event that, for any reason whatsoever, a court 0 f competent jurisdi\;tion determines that the foregoing covenants do not run with the land, such covenants shall be enfgrs:S'd as equitable servitudes against the Property. .,:':;'..' -~~H~' ~-'.~'-.='~_...~'-'--".~ _,.n .. _.__ _ "'-------.,~ ......~.,.""'._, ''':'::''7'-"cic'~- CO__,.",___'.;" 20. Recordation; Waiver and Amendment; Pavmen'i'ofFees:c'c'Fhis Declaration shall be recorded ~_"_'. ~ <'lJ'._.T.__.._ in the Otllce of County Recorder of San Diego,.Q.~jJornia. No pf~,\;,~ion of this Declaration, or breach of any provision, can be waived except~W~iting. Waiver ofa.q.~,provision or breach shall not be deemed to be a waiver of any other prcYYlsl.on, or of any subseque'iJ.t~t!reach of the same or other provision. Except as otherwise provided h~?eln;Jhis Declaration may jj~il'ipended, modified or rescinded only in writing signed by qyclarant and l.m~r@i!y:.,trrr'th~ event of Cit)iiS1>Dsent to such an amendment, modification or rescissioll;'tlt~csame shall Iieg2~Uitioned upon Declara'nt's payment of all fees and costs incurred by the City ~;tlIf~~p~ft to the sam~;:iRcluding without limitation attorneys fees. --;:::~~- - ~-~~- -~~.:>~. wc~~~~~_;= .~~~~ 21. Remedies. . ~_._.._._,....._ '._~~__u'. _::'-::'-:.:.:'_.:"U'_-::~:' ',. .';;'~-:;:::-~-::!3:=":"_;;'-";":::;-,:::~'- .. e-. _+__- __~-_.~.-"'~"" ';:;-;'--~~_'w ,_n ___~ 0__ _ (a) Cont;~8.1j:Joverned~6~Laws of~t~t~::rrCalifo~j1~;~his Declaration, its performance, and all suits and special prQ'~<;:edini~llI)Eer this Detl~ration, shall be constituted in accordance with the laws of.th~;,~~te..Clf CaI1fQ~~f"l!!id'F;eSi~E<J;lla~;~i~L.!he extent applicable. In any action, special proceedmgi;:or'~bther~j5.rq.7eed1fi~t~at may;,B,~~J:?[2lJgl:lt arising out of, under or because of this Declai~t~()"n, the laws ot'tlie.~tate"o1ig~lifornh'alfd:ihe United States, to the extent applicable, shall govern io;t.Ii~exclusion ofili~n"~w ofaQYo,Cl.ther forum, without regard to the jurisdiction in which the action or spe?~lproceedingir!~r:;.be insti.tp~"d. =----- -Li:i::;" (b) Stan2~illg. Equita15rtRemedies; Cumulative Remedies. Declarant expressly agrees and declares that CilYi:S\I,any s1.J.s~~ssor or public entity or agency shall be the proper party and shall have standing to initiafeilig.miE.~iie any and all actions or proceedings, at law or in equity, to enforce the provisions hereof and7i5f~Ig.recover damages for any default hereunder, notwithstanding the fact that such damages or the detriment arising trom such a default may have actually been suffered by some other person or by the public at large. Further, Declarant expressly agrees that receivership, injunctive relief and specific performance are proper pre-trial and/or post-trial remedies hereunder, and that, upon any default, and to assure compliance with this Declaration. Nothing in this subparagraph, and no recovery to the City, shall restrict or limit the rights or remedies of persons or entities other than City, against Declarant in connection with the same or related acts by Declarant. The remedies set forth in this Section are cumulative and not mutually exclusive, except the extent that their award is specifically determined to be duplicative by tinal order of a court of competent jurisdiction. 7 3-12 (c) Remedies at Law for Breach of Tenant Restrictions. In the event of any material default lmder Sections 1 through 21 hereof regarding restrictions on the operation and the transfer of the Property, the City shall be entitled to, in addition to any and all other remedies available at law or in equity: (i) declare the City Loan to be all due and repayable; and (ii) recover compensatory damages. If the default in question involves the collection of rents in excess of the rents permitted hereunder, the amount of such compensatory damages shall be the product of multiplying: (a) the number of months that the default in question has continued until the time oftrial by (b) the result of subtracting the rents properly chargeable hereunder for the Affqrdable Units in question from the amount actually charged for those Affordable Units. Decl~~~t;';the City agree that it would be extremely difficult or impracticable to ascertain the preci~~~oi.int of actual damages accruing to City as a result of such a default and that the foregoingJ6f,iguHhis a fair and reasonable method of approximating such damages. The City shall be enti~.~dItb'seek~ilit~!9 recover damages in separate actions for successive and separate breaches whic1dlia'y occur. Fillt!j~r,...interest shall accrue on the amount of such damages from the date of the breac!j.,in question at the'fi1te~of ten percent (10%) per armum or the maximum rate than allowed by li[YJ,::~hichever is less. N6tBigg in this section shall preclude the award of exemplary damages as all6"\[estby law;,';'" -.,,,~o. ~ (d) Expert Witness, Attdth~V.S: Fees, and Co~Is;~;/rhe parties agree tliiii the prevailing party in litigation for the breach and/o!"jgtem!<:!ation and/6ri~.1Jforcement of the terms of the Loan Agreement and/or this Declaration shall'1i~entitls~,t<'Ltheir expe!:l:;.)Nitness fees, if any, as part of their costs of suit, and reasonable [lttorneys' fees":S\s may:l::i~:i.lw.ardect'by~th<o court, pursuant to California Code of Civil Procedl\re~G~i&i'~!ii2Sl033.5c~" anY.2\1;!f"~~pp!icab[l{:provisions of Cali fomi a law, including, without liillit~tion, tlleiRt9visions bt:l<;;:f:J?':S998."';0~li'z;~s -~'~t~~ ~~~.~ '~~7;ft~. ' ..--- 22. Mortgaf.!:ees Profe7!tion. N4~V'iQlation or'Gl~;tch of the covenants, conditions, restrictions, provisions 9rd.i$.it?:!i?ns cofif~il1.{a1inUH[~[,).t:claraH2~shall defeat or render invalid or in any way impair t!jEi:lienoi'clia,tge.pf anYjJ~i-j!1itted C1eeQ;QHrust;recorded on the Property provided, however, that an2~s~1Jsequent o,vn~J2fthe'ptQIJ,~rty shail15~'.bdund by the covenants, conditions, restrictions, limitati6'i1tc[l,nd provisionsllof this"iI?!.~laration, whether such owner's title was acquired by foreclos~~~''d~~d in lieu off&~~lpsure;;tfue!ee's sale or otherwise. 23. Propertv'M~nager. At aW~jmes that this Declaration is in force and effect, and Agency or City has served a teil!~lm dayAYIiiten notice of deficiencies in the property management for the Property which do not t(;n-fQmili?i'the standards of property management of a professional property manager operating simihir'!jSfoperties in San Diego County and which deficiencies have not been rectified by Declarant, within the ten (10) day period (unless such deficiency is not reasonably capable of being cured within such ten (10) day period, then such reasonable amount oftime as is needed not to exceed 90 days, provided Declarant commences cure within such ten ( 1 0) day period and continues to diligently pursue cure), then, City, as applicable, shall have the right, in its reasonable discretion, and upon ten (10) days written notice: (i) to require the retention of a professional property management firm to manage the Property; (ii) to approve, in advance and in writing, the retention of any such property management firm, including the terms of the contract governing such retention; and (iii) to require Declarant to terminate any such property management firm, provided that such termination shall comply with the termination provisions of the management 8 3-13 contract in question. Declarant shall cooperate with City to effectuate the rights set torth in this Section 24. 24. Section 42 ofthe Internal Revenue Code (a) Section 42(h)(6)(E)(ii) of the Internal Revenue Code does not permit the eviction or termination of tenancy (other than for good cause) of an existing tenant of any low-income unit or any increase in the gross rent with respect to such unit not otherwise permitted under Section 42 tor three (3) years after the date the Property is acquired by foreclQ~ili'e or deed in lieu offoreclosure. _,"",~~-"":":"'.f"" 4 ~i:ti~~;;;~~-?' 26. No Conversion to Condominiums. DeclaI~Ji~grees that the'2:!lJ1veyance, transfer or sale of any portion of the Property as a condominiUJ11~slThll be a breach Of;;tpjK Declaration, the Loan Agreement, entitling the City to immediately ej(~r9se any and all oftheir~right.s and remedies under this Declaration, the Loan Agreement, including""~j!)1out limil:,l!ion acceleii"t!911 of the City Loan and foreclosure under the deed of tru!j~. securing the~G:~ty.1R~JO;> -iif~~~~" - -.---.:..- -= ~~~:;:<J;:_c;o;-~~ ~ ."....~-~~.---~ 27. Noticing Requirements Prior\;;fit:1:~~ir:ation. Pri~E,Jo termination of this Declaration, Declarant shall comply with any and alln2,~cing(f~q_~i!emenfs\f!q):!iredunder any applicable laws or regulations, including wit!1jlgUimitation,-t!l~crequitemellt.~ ofCalit2mia Government Code Sections 65863.10 and 65863. ~l;i~~~~~~~~~~~ " --,.-..__ - -_:~.~=,-~ --~~ ..'::;,-' .. c" __ ";;S~~';,_ =-~__::.. -:::;'"::.F3',::-"'~ 28. Covenant Aiain~tDiscrimifiition. Decf:iian{covenant-;Z;;il behalf of itself and its successors and assigns, and each sJt2~1~9r in~!~!er(:st to the;~rQperty, not to discriminate against any tenant or prospectiveJenan!Qfany 0Eit'QI"tli~5"'-a.~is':Qftheirti;ce, age, sexual orientation, marital status, color, religiO~2_.:>,~i'h~fillicaB~~~,natii;1f~r~rigi~:-iSr~fe[:p~~IFin all applicable state, local and federal law. 29. Nb'Novation; Co'riffitts BeT~~n Agreements. This Declaration is not a novation of, and does not sup~_ts_~de or otherWis~:-'!,mencfmlf2~ any part of the Loan Agreement, the terms of which are hereby ratifieaf~~_ agreed to'Ij'y.:peclarant. Notwithstanding the foregoing or anything to the contrary set torth\n,.th~ Loan A~f_~ment, the provisions of this Declaration shall apply in the event of a conflict between'~xprov~~12li of this Declaration. ~ . ..... ..-- -...-- 30. Signature Autho;i~t~I~;All individuals signing this Declaration for a party which is a corporation, a partnership or'other legal entity, or signing under a power of attorney, or as a trustee, guardian, conservator, or in any other legal capacity, covenant to the City that they have the necessary capacity and authority to act for, sign and bind the respective entity or principal on whose behalf they are signing. Declarant: South Bay Community Services, a California non-profit 9 3-14 By: Kathryn Lembo Executive Director ]0 3-15 ACKNOWLEDGMENT State of Califol11ia ) ) ) County of San Diego On , 20 1 0 before me, , personally appeared:,y,110 proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/a~~;'~~9scribed to the within instrument and acknowledged to me that he/she/they executed the saIll~'iii',ljis/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrumentj!i~pef~gQ(s), or the entity upon behalf of which the person( s) acted, executed the~""''' '""",' ,- I certify under penalty of perjury under the paragraph is true and correct. the State of C1i!JfgJ;11ia that the foregoing WITNESS my hand and off~~ial seal. Signature 11 3-16 -....... -- "C"_._...,-.u._" , Exhibit "A" Property Description All that certain real property situated in the City of Chula Vista, County of San Diego, State of California, described as follows: 12 3-17 Exhibit "B" Supplemental Rental Application 13 3-18 ATTACHMENT 2 NO CHARGE ON THIS DOCUMENT PER CALIFORNIA GOVERNMENT CODE SECTION 6103 Recording Requested By And When Recorded Mail To: City Clerk City of Chula Vista 276 Fourth Avenue Chula Vista, CA 91910 "DEED OF J;~!J~T''''~7 (11~~;M96 Trenton~~~Eue) (City C~BG~Residual Receipts Loan) ,""""'~', =-.';-,..-;,---_.._'. ..._'~._'_.. ~~~:B>"_ '",~..,."=,,,,,,-~ '"."-~--"-~".." THIS DEED OF TRUST is dated as ofthc ~';T",day of:l;m~, 20 I 0, l5Yi~SlUth Bay Community Services, a California non-profit,5,Q:tr~j:C3,)("Trustor\bj',~hose,~1~]2~~is I 124IBay Boulevard, Suite D, Chula Vista, CA 91911, Att.e~!ion:XatJixr Lembo~~~~t)i~1CitY;dt~~~Jlla Vista ("Beneficiary"), whose address is City of Cliii!~"Vista, Kfc!~velopmeii\"wd Housing~"'276 Fourth Avenue, Chula Vista, California, 91910. ',' .':~ u_ -E:_~~~~~~?C-, - __.;:c:::-;_;';;::;""'~___~" 'oJ""-'>- .;;::::~;::~~~:~-:":;=--- -------- =4;.~:C".'::;s~.:.:''''..:::;:.. ~i:-::0y~~- _'C-.. ~ ._ _:::..__ J1;RBSTOR'HEREBY~fi:evocabIYgriints'.1ransfers, and assigns to Trustee, in trust, with power"~f'~le, all that pt6~ljy in tk~~~5ty ofChuHl::Vista, County of San Diego, State of California, describe&as" ~":_T..:.._, "'~.~.~ (S!ELegal Description - Exhibit "A") -----.--' . ... -- FOR THE PURPOSitjOF SECURING: "".._.~.""--~ -'-"_~"'='i;::;' ~~~~fE:~:~~~~:;:" (a) Payment of the ind~b1eaness evidenced by a promissory note of even date herewith executed by Trustor, in the principal sum of Three Hundred Eighty Five Thousand and Noll 00 Dollars ($385,000.00), and any renewal, extension, or modification of the promissory note (the "Note"); (b) Any additional sums and interest that may hereafter be loaned to the then record owner of the Property by Beneficiary, when evidenced by another note or notes reciting that it or they are so secured; (c) The performance of each agreement contained in this Deed of Trust, the terms being synonymous, and the Note referenced in Paragraph (I) above; 1 3-19 (d) The performance of each agreement of Trustor under that certain Financing Loan Agreement dated , by and between Trustor and Beneficiary on file in the OfIice of Beneficiary (collectively, with all amendments thereto, the "Loan Agreement"); and (e) The performance of each agreement and covenant ofT rustor under that certain Declaration of Covenants, Conditions and Restrictions (City CDBG Residual Receipts Loan) ("Restrictions") of even date herewith and recorded concurrently herewith affecting the Property. A. TO PROTECT THE SECURITY OF THIS DE~~,~Jf;tRUST, TRUSTOR AGREES: I. Maintenance and Repair. To keep the Propertyi!i'goo(J:iSgp.dition and repair; not to remove or demolish any buildings on the Property; to cgmpi~t~ or rest9tS. promptly and in good and workmanlike manner any building that may be C()Ils[licted, damageai~~~,~estroyed on the Property; to pay when due all claims for labor performedf~rii;Fmaterials furnished';f2i:,~he Property; to comply with all laws atlecting the Property or requiring'%lycalterations or improveftl~[1ts to be made on the Property; not to conunit or permit waste ofthe Prop~.(rea~~~!Jle wear andif~iI.r.excepted); not to conunit, sutler, or pernlit any act upOIUhe PropertycilliY!9.lJijjon of law; and t6~8iltivate, irrigate, fertilize, fumigate, prune, and do all '5.weSi!.~1~ that frorri'1Q~lsharacter or use ofthe Property may be reasonably necessary. ~-~, c' "~:.~~~ ""3"'- "-"''''~" .~''''''"-''''' 2. Fire Insurance. ~8:Bm.y!lte, maintai~i:llnd deIT~~;l~,l?enetW:j~ fire insurance satisfactory to and with loss payabl~'"tg'.6en'di~t\lP' as its li1i~Iest.ni~x7apP~~'7eSuBject to the rights of any senior lenders, the amouni~~ollecteae",*der any"'fjre2?i"otherinsvfance policy may be applied by Beneficiary upon anY'ln~~l;,tednesS)~~cured by"t~iiDeed of Trust and in any order determined by Beneficiary, or,<.lt the optioi1'QLBeE~'f1\;ia.lYthe eniIr'eLamount so collected or any part ofthat amount may be relea~fdi'f()'lJ.llstor.ThiS'cappiit.rriQ'n;Qr relea~e!shall not cure or waive any default or notice =~---';~:~"----_."--~':'~ -'-~-- -:-,- : ,---:_~~:':-::_--. -":~ of defaum:riinder-tlljS~t>.~~d of~:I[ust or "inviQidat(;'any act done pursuant to such a notice. N otwitKsf1Wding the foregg}ng, inm~~vent of an'y"fife or other casualty to the Property, Trustor shall have therig!1t10 rebuild th;;'~f?12erty::illjJ-:lO use all available insurance proceeds therefor, provided that (a) such':[.&2~eeds are suJfj~~ent to'c~uild the Property in a manner that provides adequate security to Beriefj..ci~ for repay':n1Fnt of the indebtedness secured hereby or if such proceeds are insufficient then T~~19! shall h~@,e, funded any deticiency, (b) Beneficiary shall have the right to approve (which shall~It2!,>pe ~~asonably withheld or delayed) plans and specitications for any major rebuilding and t11e~i)igll(tO'approve (which shall not be umeasonably withheld or delayed) disbursements of insurallcii'Proceeds for rebuilding under a construction escrow or similar arrangement, and (c) no material default then exists hereunder or under the Note. Ifthe casualty affects only part of the Property and total rebuilding is not feasible, then proceeds may be used for partial rebuilding and partial repayment ofthe indebtedness secured hereby in a manner that provides adequate security to Beneficiary for repayment of the remaining indebtedness secured hereby. 3. Defense ofSecuritv. To appear in and defend any action or proceeding purporting to affect the security of this Deed of Trust or the rights or powers of Beneficiary, or Trustee; and to pay all costs and expenses, including cost of evidence oftitle and attorneys' fecs in a reasonable sum, in any 2 3-20 such action or proceeding in which Beneficiary or Trustee may appear, and in any suit brought by Beneficiary to foreclose this Deed of Trust. 4. Payment of Liens and Taxes. To pay, before delinquency, all taxes and assessments affecting the Property, including assessments on appurtenant water stock, all encumbrances, charges, and liens, with interest, on the Property or any part of the Property, which appear to be prior or superior to this Deed of Trust; and all costs, fees, and expenses of this Trust. Subject to the rights of senior lenders, if Trustor fails to make any payment or to do any act as ]Jr()vided in this Deed of Trust, then Beneficiary or Trustee may (but is not obligated to) make th~.,piyrnent or do the act in the required manner and to the extent deemed necessary by Beneficiary:'Qf;;Tfustee to protect the security of this Deed ofTmst. The performance by Beneficiary or Tm~!Sft6{st;;;,~~!ll act shall not require notice to or dcmand upon Trustor and shall not release Tmst9!;Krom any obliifi!ion under this Deed ofTmst. Beneficiary or Tmstee shall also have the folloy.:m~:;related rights"iill':t~powers: to enter upon the Property for the foregoing purposes; to appear.j1i[iiiia defend any actiorro.~Rroceeding purporting to affect the security of this Deed of Tmst or the"H~b~ or power~ of BeneflCii\rYor Trustee; to pay, purchase, contest, or compromise any encumbraJic'ej~(;parge~;91!1ien that in thi@l1dgment of either appears to be prior or superior to tl1.i~,.!2eed of Tni~t;~;t2o:~Qiploy counsel; aila'tiJ pay necessary expenses and costs, including reasoii~~)!ltii~3~~.~~eys' fee~>~[~~~~. - .. _",~".~ ~~'_C"'.::."'.2 5. Pavment and Reimbursement o(€c,sts.'W'fitsTrustor 0iT~2'!y the Note at the time and in the manner provided therein"..1'Q1l_flyimmedi~t~)y and \iJit118.\l.t.,cjemaiid'tilLsums expended by Benefici. ary or Trustee pursua9J.iQ.ini~;IDe~d of TmgftwithiQtrt~stfrorn datei&f expenditure at the amount allowed by law in efft:{(at the -(fat~c.of this b~~9.-2'.f;tmst, "Ii~:ia~to pay any aJilount demanded by Beneficiary (up to the-1p~imum -~.IIbwed by i~~.at the time of the demand) for any statement regarding~:~~~~~ationseQ~-'5:~~[~~~~~e~~f T~;s;t~ 6. .,-P!'~~'Th;tTrif~2I~:vill--n()i.p,ermit o'tC$ttf~Whe'use of any of the Property for any purpose other tn~'!he use for whisn;tre Sam~~;i:YaS intendCirat the time this Deed of Tmst was executed. "",,,":-:;>:<-.- ~ ~.i-~ -~~,.", ..",- ... --..-- 7. Inco~tb~~tion of AgreIij'{~nts. ihat:;the Note, the Loan Agreement, and the Restrictions are incorporated ner~iR.by referenc.~.,~nd made a part of this Deed of Tmst, although not attached. Copies are on file'l111t~~ office oJ'tt~e Beneficiary. '""i,.~"''''_ 8. Performance o{eiliet[@bligations. To perform, in a timely manner, each agreement and covenant by and between Trustor on any and all notes, loans and deeds oftmst that are senior and/or junior to this Deed of Tmst. A default in any of these obligations and the expiration of any applicable notice or cure period shall constitute a default under this Deed of Tmst. B. THE PARTIES AGREE THAT: 9. Condemnation Award. Any award of damages in connection with any taking or condemnation, or for injury to the Property by reason of public use, or for damages for private trespass or injury to the Property, is hereby assigned and shall be paid to Beneficiary (subject to the rights of any senior lenders), as its interest may appear as further security for all obligations secured 3 3-21 by this Deed of Trust. Upon receipt of such proceeds, Beneficiary may hold the proceeds as further security, or apply or release them in the same manner and with the same effect as provided in Section 2 of this Deed of Trust for the disposition of proceeds of fire or other insurance. 11. Trustee's Powers. Upon written request ofBenefifi~~d presentation ofthis Deed of Trust and the Note for endorsement, Trustee may (a) reconv"i~!l'or~~x.part ofthe Property; (b) consent to the making and recording, or either, of any map or,p!f\fO'f all or'iffi')i,part of the Property; (c) join in granting any easement on the Property; or (d) joinfuXor consent to ;rhf;c~~tension agreement or any agreement subordinating the lien, encumbrance;~Qr'tharge of this Deei.Hii:t:rrust. Trustee need not provide Trustor with notice before taking any ~n[g;foregoing actions, an(gh~ll not be liable for the proper performance of the act. The exercise by Tr:if~~~e of~y~of the foregc5i1llS,powers shall not affect the personal liability of any PSFsBRfor paymet1tt~&llJ.~'iiiaebtedness sectif~~]by this Deed of Trust, or the lien of this Deed ofTrus(Ql'E!!i~.E~maining pr5~~J:ty as security for the repayment ofthe full amount secured by this Deed of Ti1i~f'o;~~.. ":''i&r",,,, -:-~-~~'=..;r 12. Full Reconvevance,,,lig9,n writtenf~~(lest dfB.~~etl~iarY'st~JiI}g that all sums secured by this Deed ofTrust have b<:c:.n,..:,r:Kid~l1if~, nd, er oftfiii,D"ee,.,cJ;:9:,~,a.'ruSj{,',t,h".,f(, N, arg, and any other notes secured ~..;.-;::._._:._._ ,,_ n_.__. .. ..... ._ _. .. . . .........:.... by this Deed of Trw&to;tTrustee f6:r~cancellatioii)lna;retention;,and payment of Trustee's tees and -~"~t.;,-. ~~=~': ~-':~~-'--"- "- charges, Trustee shaWie.S~2:vey, wif1i;i.mt warran%~fhe Property then subject to this Deed of Trust. The recitals in the reconveyance sliathbe conclusive proof of the truthfulness of the recitals. The grantee illtl1e~~cbiweyanc~.rh}a~~15f'de"~~j.j\:).,,4.as ;;tli~person or persons legally entitled thereto." Five y~~g~ft~~;;~Wiffit.'~IoJth.;'?fuihreconv;;yiihtei..ififstee may destroy the Note and this Deed of Trust, ~~s directed in'itfLh~qu~~t~!JoJ:etain th~rii~'1 -- -="''''-''' .. , - 13. As~j"ifunent of Rent~~~s addiiiiJEal security, Trustor hereby gives to and confers upon Beneficiary th~'rJ]g!, power, ~~uthoritY during the continuance of these Trusts, to collect the rents, issues, and1Jii).flts of theff)fpperty, but reserves the right, prior to any default, which shall continue beyond any'apj3JL~able,'illiitice and cure periods, by Trustor in payment of any indebtedness secured by this Deed of t~~i:l~f:'rn the performance of any agreement under this Deed of Trust, to collect and retain these renlSf'issues, and profits as they become due and payable. Upon any such default and after expiration of any applicable notice and cure periods, Beneficiary may, subject to the rights of senior lenders, without notice and without regard to the adequacy of the security for the indebtedness secured by this Deed of Trust, either personally or by agent or court-appointed receiver, do the following: enter upon and take possession ofthe Property or any part ofthe Property; sue for or otherwise collect all rents, issues, and profits, including those past due and unpaid; and apply these rents, issues, and profits, less costs and expenses of operation and collection (including reasonable attorneys' tees), upon any indebtedness secured by this Deed of Trust, in any order determined by Beneficiary. The exercise of the foregoing rights by Beneticiary shall not cure or waive any default or notice of default under this Deed of Trust or invalidate any act done pursuant to 4 3-22 such a notice. 14. Default in Foreclosure. Upon default by Trustor in the payment of any indebtedness secured by this Deed of Trust or in the performance of any material obligation under this Deed of Trust, and the expiration of any and all applicable notice or cure periods, Beneficiary may declare all sums secured by this Deed of Trust immediately due and payable by delivering to Trustee a written declaration of default and demand for sale and a written notice of default and election to sell the Property. Trustee shall cause the notice of default and electi~IJ:its! sell to be recorded. After the required time period has lapsed following the recordation of~~~g;91ice of default, and after notice of sale has been given as required by law, Trustee, without d~H,i~1~'on Trustor, shall sell the Property at the time and place specified in the notice of sale, eitherC[l~i~:;wI1O:t~:()r in separate parcels, and in any order determined by Trustee, at public auction to the,'QigJi'est biddetit8r cash in lawful money of the United States, payable at the time of sale. Trus!~~;lfltiy postpone sal~~Qf all or any portion of the Property by public announcement at the time au~(piUce of sale, and from\ii~,;, to time thereafter may postpone the sale by public announcement at the:fjiv<;f1xed by the precedingp"ostponement. Trustee shall deliver to the purchaser at the auction its de€~i~?p.veY\1:t~!\1e Propertt~QJ~ but without any covenant or warranty, express or inmligd. The recitii};;l!1:tKe'cdeed of any mattef"or fact shall be conclusive proof of the truthfulnes:s~~~[tb:~,.Eecital. AI1'Y:~JJ~rson, including T~'stor, Trustee, or Beneficiary, may purchase at the sale.;?'tref:iJ~ciM~ting all'cqit.~,"fees, and expenses of Trustee and Beneficiary under this paragraph, incluglng .''C6sls';Q.f procurlhgevidence of title incurred in connection with sale, Trustees)1all apply'the pro~~Kd~oJ;sale t6:'paxment of: all sums expended under the terms of thisi~~d'i5f~T~~t, not tl;eQ,"~~pa1~;!\.0tifi!'SQ~!!.ed iilt~rest at the amount allowed by law in effect at the da@ifthis Dee<ta,fTrust; al~:~i~~f'sums tl1encsecured by this Deed ofTrust; and the remainder, if any, to:t!i~,'person 9.t]:Jersons leg~Ex entitled to the remaining proceeds. Beneficiary agrees that, n01.'Yithstandin~i!~ rig,h!~!o!I.1voke tlieli;~medies permitted by any Loan Document (as defined ilf}!g;~!)lm},Q;1oan Acgr~~rP~nt);;.t!~!!~geiars;1shal1 not, so long as the Limited Partner (as defineci'l!1itIle CD:EfG;lf.Q~W1 Agre.[w~<:.nt) hatiiTs~gljpi.Hng ownership interest in Trustor, conduct a foreclO'Sure. sale of the''j:ir-6j:Jerty 6r4rec,eive a deedcin.lieu of foreclosure, until such time as the Limited 'P~i1~.: has first be6ri:'giyen 3o'ahs written notice of such default and has failed, within such 30-day peri6a;~g.~ure such defa~lt; proviae.!1;.however, that Beneficiary shall be entitled, during such 30-day period, YO'f,~gtinue to ac~,~lj3rate the Note and to pursue its remedies. ~,-"-'i::"'" C"o'_' ,,_., . c",_"'" 15. Due on Sale-'6f~Eurther"Irhtumbrance. Except as otherwise provided in the CDBG Loan Agreement, should the-ilil~~[~igned agree to or actually sell, convey, transfer, or dispose of, or further encumber the real property described in this deed of trust securing the Promissory Note, or any part of it, or any interest in it, without first obtaining the written consent of the Beneficiary, then all obligations secured by the Note and trust deed may be declared due and payable, at the option of the Beneficiary. Consent to one transaction of this type will not constitute a waiver of the right to require consent to future or successive transactions. 16. General Provisions. This Deed of Trust applies to, inures to the benefit of, and binds all parties to this Deed of Trust and their heirs, legatees, devisees, administrators, executors, successors, and assigns. The term "Beneficiary" shall mean the holder and owner, including pledgee, of the Note secured by this Deed of Trust, whether or not named as a beneficiary in this Deed of Trust, and 5 3-23 the heirs, legatees, devisees, administrators, executors, and assigns of any such person. In this Deed, whenever the context so requires, the masculine gender includes the feminine and/or neuter, and the singular number includes the plural. 17. Acceptance bv Trustee. Trustee accepts this Trust when this Deed, duly executed and ack- nowledged, is made a public record as provided by law. Trustee is not obligated to notifY any party to this Deed of Trust of pending sale under any other deed of trust or of any action or proceeding in which Trustor, Beneficiary, or Trustee shall be a party unless bEC!cyght by Trustee. 18. Substitution of Trustees. Beneficiary, or any sUcE~:~i:iitin ownership of any indebtedness secured by this Deed of Trust, may from time to time, by,;Wijtt~&ihs.trument, substitute a successor or successors to any Trustee named in or acting underJh,~:Bled o(rtif~~ The substitution instrument shall contain the name of the original Trustor, Trl.!~~.~;;and BeneficiaiY1l!llder this Deed ofTrust, the book and page where this Deed is recorded, U!l~:gle name and addressf~t"t~e new Trustee. When executed by Beneficiary and duly acknowledggq'.~d recordedin the offi'c?L\lX the recorder of the county or counties where the Property is situated:"~J'iiubstj,t\J.i~9n instrumenf;~all be conclusive proof of proper substitution ofthe sUP~c~.s1or Trustee of,I:tl,l~f~s':' Any successoi'tfjlstee or Trustees shall, without conveyance from the pr~~~~t~~g~.Trustee,'ii;g.~~ed to all its title, estate, rights, powers, and dutJes.o,c~:"~~~;~~,,,,_,, -._ 19. Co-trustees. If two,oLmore persoi!s"are de~igri~tedas T~~t~ejn this Deed ofTrust, any, or all, power granted in.!El~iW'~gd'~~-g:rust to f~itee.!!1~~I8~iei.!:Lc,tsedby any of those persons, if the other person or pedQ:Jj~are uniib!~_~, for any''fl~~g\''1O acf~~~Y recital of this inability in any instrument executed by-riJhy_ofthos~'persons shal1!6~ conclusive against Trustor and Trustor's heirs and assigns. "",~':;;. '-::~c;c'otif., '\~,,- ._,_~~,"',_~"...'.:~..':_:t,~.~_-:~."-",,_~,-~_"'.'.:'..,._,...._., ~,-'-"....__...-C=.""""''",'""'_''-'-,.::.:;'''_'''c.;. ~- -"-- ,,_ '."'--,,- _ '.'" ._.. - "':~,~"3;~f2.:~~"'-_._..'=;;:.~~~Ei~'"_ 20. ";Cilffitill:r~i:p-g~ers ancl"R1;medies.' Tnel~9~'Ye';sand remedies conferred in this Deed ofTrust are cofiS~8:ent and cumu1?ll}'-e to'itiJJ;Rlper rightS"ahd remedies provided in this Deed of Trust or given bila~:.~These powersTaQgremedj~.lllay be exercised singly, successively, or together, and as often as deeifi~~,~~essary. 'O~:~~ .~-t~~ 21. Conclusiv'eITess ofRecitills~ The recitals contained in any reconveyance, trustee's deed, or any other instrumente~<;~ted.;.g~f.;'ustee from time to time under the authority of this Deed of Trust or in the exercise of itsP<tw~:r]1:iOt the performance of its duties under this Deed of Trust, shall be conclusive evidence of th~itCti-uth, whether stated as specific and particular facts, or in general statements or conclusions. Further, the recitals shall be binding and conclusive upon Trustor, its heirs, executors, administrators, successors, and assigns, and all other persons. 22. Attorneys' Fees. If any action is brought for the foreclosure ofthis Deed of Trust or for the enforcement of any provision of this Deed of Trust (whether or not suit is filed), Trustor agrees to pay all costs and expenses of Beneficiary and Trustee, including reasonable attorneys' fees; and these sums shall be secured by this Deed of Trust. 6 3-24 23. Request for Notices of Default and Sale. In accordance with Section 2924b ofthe California Civil Code, request is hereby made that a copy of any Notice of Default and acopy of any Notice of Sale under any Deeds of Trust executed by Trustor, and recorded in the Official Records of San Diego County, California, in which Beneficiary, is named as beneficiary, be mailed to: City of Chula Vista c/o Housing Division 276 Fourth Avenue ~ Chula Vista, California, 9!,,2lc2;[jt~. ",;,~';,,~.'J{?I-:-' -'~~~~;~'"' NOTICE: A copy of any notice of default and,of,aiiy~ noti~;:i8f.~ale will be sent only to the address contained in this recorded request. Ifcypfi} address chii~ges, a new request must be recorded. . ,'< '''''i'2~",:, ,,"~'<"-"-. 'O;:,~~~ The undersigned Trustor requests that a copy of arijJ!l:gl!ce otc!ii'fault and of iri)iiQQ,tice of sale under this Deed ofTrust be mailed to TrustOf,at the addres~"o.ft;rB1st6F set forth abov~~iti .42~~f~C' . ... ""'e;;_l:;:f:~~".":_;, - 24. Inspections. Trustor shall pern\.lt!3'tR{tiS!'!;Y and its~i\:.J1ts or representatives, to inspect the Property at any and all reasonable times;~E<:n twii'I1lx,f()ur (24)'lipl,!fs written notice (unless Trustor is in default under any qf1!I}~,I:()an Docum~l1!s or inW~i~;;~nt Of'a;!j'l~,mergency in which event no notice shall be required)5~msp'eQti()ns shall B~[(;ondl!"t~p's6]'~si'not t6interfere with the tenants' use and enjoyment ofthe~I2perty aiiH'.fu,e genenli:~.~~i'()n o{ili~~gfoperty. 25. Hazard()\ls Material~"Define!J:3,,1'oxpurposes,()fthis Deed ofTrust, "Hazardous Materials" mean andi!lcIUa~e:1w,ychazarclolis~~Qj{iC(ir"dangerous~.w'aste, substance or material including, without -"'C'';:__>"''_'__''''~''''''_.~'A".~_''-~__."~=-._ ',"-:,~_._.,_':-.",,," "">-'."-, .,;.:-":", ',-'---.C-' limitati9.Ji;,t1anlmamc~:'(.t~I()sivesJtti!gioactiveOmat~ria,ls;- asbestos, hazardous wastes, toxic substances and ally;~w~terials or su15~t*cesoet!!!((d as haiarCIous materials, hazardous substances or toxic substanc€s'a~,<~r for purpo~~s}Ql) the ~e<2.!j1Jlrehensive Environmental Response, Compensation and Liability Act;ot,J~80 ("CERCL~D, as aili.e~ded (42 U.S.c. S9601, et seq.), the Hazardous Materials Transportation'Kct~(49 U.S.C. 'SI801, et seq.), the Resource Conservation and Recovery Act (42 U .S.C. S690 I, et ;'~'q;);lilld thoseI~~bstances defined as hazardous wastes in S25117 of the California Health and Safety C6d~~'()! as )~[~~rdous substances in S25316 of the California Health and Safety Code or in any regulaHQns;fpI'pfuulgated under either such law, any so~called "Superfund" or "Superlien" law, or any oif{~j,1federa1, state or local statute, law, ordinance, code, rule, regulation, order or decree regulating, relating to, or imposing liability or standards of conduct concerning, any hazardous, toxic or dangerous waste, substance or material, as now or at any time hereafter in effect. 26. Trustor's Hazardous Materials Representations and Warranties and Indemnitv. In addition to the general and specitic representations, covenants and warranties set forth in the Deed of Trust or otherwise, Trustor represents, covenants and warrants, with respect to Hazardous Materials, as follows: 7 3-25 (a) Neither Trustor nor, to the best knowledge of Trustor, any other person, has ever caused or permitted any Hazardous Materials to be manufactured, placed, held, located or disposed of on, under or at the Property or any part thereof, and neither the Property nor any part thereof, or any property adjacent thereto, has ever been used (whether by Trustor or, to the best knowledge of Trustor, by ani other person) as a manufacturing site, dump site or storage site (whether permanent or temporary) for any Hazardous Materials. "Hazardous Materials" for purposes of this Paragraph 26( a) shall not include substances typically used in the ordinary course of developing, operating and maintaining apartment complexes, provided that such substanct;~. are used in accordance with all applicable laws. .~~"'~;: . .-. .. ------ (b) Trustor hereby agrees to indemnifY Ben~fl91~ty,"'iis.officers, employees, contractors and agents, and hold Beneficiary, its officers, emplo~~~sj'contra2'fol~i!lnd agents harmless from and against any and all losses, liabilities, damages, injJ.fti~s;costs, experis~~J1!Qd claims of any and every kind whatsoever paid, incurred or suffered~~x1cjior asserted againsri'13eneficiary, its officers, employees, contractors or agents for, with resprctlQ, or as a direct or indi'ft~h<;sult of, the presence or use, generation, storage, release, threatened rel~gs~iJsdispgsajiQfHazardouS'Materials on or under the Property or the escape, seepage;',ls:akage, spillage;...<ll~~ii3rge, emissio~'Qf;/release of any Hazardous Materials from the ProB~EtY,'<(mcluding, wit}lqllt limitation, any l~sses, liabilities, damages, injuries, costs, expenses or'fl~im~;:il~iterted or 'iif.i~ing under CERCLA, any so-called "Superfimd" or "Superlien" law, or any1ttl1erlel1~ral, state ot'lBcal statute, law, ordinance, code, rule, regulation, order or,<:!t;.g.rt;~Eegulating,~fe!ating;f~BI:imposirig~)l1lJility or standards of conduct concerning any Hazru;.c!_g}1J:'Mat~~iJJ,s) regardi~s,~ o~~~Btller~!~fJ!ciused by or within the control of Trustor. The forego4fg',indemnifiS!l;tion shalf\1Q!J~pply to aliY'!iiibility resulting from (i) an event that occurs after a transf.'#;gfthe P~operty due to;;iPy foreclosure sale Gudicial or nonjudicial) or a deed in lieu off()reclos~e~(k,{ii2,As(s.8rcQmissioTis!9.f Beneficiary or its agents. .tC::~;~~~:~~~~~':~_ -"~~~~~~~~~-;-~~E~~~~~;::,:> _ __ -~~~;;~ ,~(t~G~~'f;:Usf6f.'hil,5_no(f!;2~Lyed any'n6fic~+9r(i) the happening of any event involving the use, spiIl~g'i\ discharge;'(}r~leanup'of@y Hazardbtfs Materials ("Hazardous Discharge") affecting Trustor 6r'ilie.Property or [ITY[anY c~rifP1i!int, order, citation or notice with regard to air emissions, water disch'~~~. noise emi;~(cJb~ or aiix~~ther environmental, health or safety matter affecting Trustor or the PfQP<;rty ("Environmental Complaint") from any person or entity, including, without limitation, the Uriii@'1>tates Eny[[onmental Protection Agency ("EPA"). If Trustor receives any such notice after the'i:i~i~;l;1ere.Qft~hen Trustor will give, within seven (7) business days thereafter, oral and written notice6[~awtc;to Beneficiary. "'~~ (d) Without limitation of Beneficiary' s rights under this Deed of Trust, Beneficiary shall have the right, but not the obligation, to enter onto the Property or to take such other actions as it deems necessary or advisable to clean up, remove, resolve or minimize the impact of, or otherwise deal with, any such Hazardous Materials or Environmental Complaint upon its receipt of any notice from any person or entity, including without limitation, the EP A, asserting the existence of any Hazardous Materials or an Environmental Complaint on or pertaining to the Property which, if true, could result in an order, suit or other action against Trustor affecting any part ofthe Property by any governmental agency or otherwise which, in the sole opinion of Beneficiary, could jeopardize its security under this Deed of Trust. All reasonable costs and expenses incurred by Beneficiary in the 8 3-26 exercise of any such rights shall be secured by this Deed of Trust and shall be payable by Trustor upon demand together with interest thereon at a rate equal to the highest rate payable under the note secured hereby. (e) The foregoing representation, covenants, indemnities and warranties shall be continuing and shall be true and correct for the period from the date hereofto the release ofthis Deed of Trust (whether by payment of the indebtedness secured hereby or foreclosure or action in lieu thereof), and these representations, covenants, indemnities a::~~anties shall survive such release. 27. Choice of Law. This Deed of Trust shall be govern,ejfby and construed in accordance with the laws of the State of California. . .~c';';i~~# '-c."'''-.='~. ..... .r~- 28. Non-Discrimination. Trustor covenants.2.Ya~ndfor itself aniF@y..successors in interest that there shall be no discrimination against or segr~g:~\ibn of, any person o?gI<:i~P of persons on account of race, color, creed, religion, sex, sexual oiie'@3tjon, marital status, niiti2!lal origin, ancestry, familial status, source of income or disability in ini;"S~e, leas~;'f~ublease, traD.~f~x, use, occupancy, tenure or enjoyment of the Propertyi'n9X. shall Trus~t:Qr;a,ffY;15frson claimingijii~er or through it establish or permit any such practic6"'Q~!pras!Lces of dis~h!'Kifiation or segregationof any person or group of persons on account of any b'il~ji'iis't~"d-i[l sUbdivlsi911,c{a) or (d) of Section 12955 of the Government Code, as those bases are atfi..!1ed'ii1.'f~ts.\.fons fi9~;~, 12926.1, subdivision (m) and paragraph (1) of subdivi?iolr,CPt of Sectioll?'1:2955, anQ~Section 1222~.2 of the Government Code, .~;_..:,;~_.:',._.~."._.._".~_'__._._ '-,.c',----.', .-"-?__.....:...::.:.c-._...-.__.~ -"';;'.,<,';., with reference to the sele'ctiOTI;olocation, number, useR.lr'oC"cupancyoftenants, lessees, subtenants, sublessees or vendee~f~~the Pr~~fu:. The f~!~Rwr~ove~iliiliJshall run with the land. ~-_-c_~.~== ;;:.~ o~ 29. Provisions to be rncludedlli3-Documents.'~htstor shall refrain from restricting the rental, lease and,2!t~rf21itl~.l1~lQ"ope-~~lf"1ffi:Y~~~1!i[lg ~l!1thereon on the basis of race, color, creed, religion:,sex;'sexualCon~p.!.atiori.;~marital statti~;tJtational origin, ancestry, familial status, source of incom.~;t?f':4isability of;;R~!R!,[Sori:'iIR!!;such deedg~'feases or contracts for the rental, lease or sale of the Proie~~"9r any dwelfill!;2!1nit,"!i!{iilJ,contain or be subject to substantially the following nondiscrimiili\.tiOl1 or nonsegreg~!ion clau~~s: -"-,-~:.:;..". -:;::::,1";:$. "-"" (a) Cofitt~cts. In coritI~cts for the rental, lease or sale ofthe Property or any dwelling unit "There shall be no dis~Epil)~tl211 against or segregation of any person or group of persons on account of race, color, nmgiOliisex, sexual orientation, disability, medical condition, familial status, source of income, marital stl1tITS, national origin or ancestry in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the land, nor shall the transferee itself or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees or vendees of the land." 30. Authoritv to Sign. All individuals signing this Deed of Trust for a party which is a corporation, a partnership or other legal entity, or signing under a power of attorney, or as a trustee, guardian, conservator, or in any other legal capacity, covenant to the Beneficiary that they have the 9 3-27 necessary capacity and authority to act for, sign and bind the respective entity or principal on whose behalf they are signing. TRUSTOR: South Bay Community Services, a California non-profit By: Kathryn Lembo Executi ve Director ";;,""'-;,-,~'.';:,.~ ~......._- ACKNOWLEDGMENt~~ .. ___.~h State of California ) ),~~~. ) --:-:- County of San Diego On ,201 0 b%-.._~___f....;.~.f_'==--.'c__.~o~.,_.e_.., -.":"-<'+'-:~-' , personally appeared ..-:_- c....._.. "'~[;;;;: who proved to me on the basis of satisfactory evidence to be the person(s).:);Ylios~~fl~e(s) is/ar~~l,tbscribed to the within instrument and acknowledged to me that he/she/they~tecutea'ttt~s-tme in his~~/their authorized capacity(ies), and that by on tlie::instrume-iit~tll<:::person(s);,or the entity upon behalf of which the person(s) the insifij~~t~~~;;;:<'';;t~~~1~ -~- the hlws...of the State of California that the foregoing . - (Seal) 10 3-28 Exhibit "A" Property Description All that certain real property situated in the City of Chula Vista, County of San Diego, State of California, described as follows: 11 3-29 ATTACHMENT 3 DO NOT DESTROY THIS NOTE: WHEN PAID, THIS NOTE AND THE DEED OF TRUST SECURING IT MUST BE SURRENDERED TO TRUSTEE FOR CANCELLATION BEFORE RECONVEYANCE WILL BE MADE. Chula Vista, Califarnia PROMISSORY NOTlj:~~~~c- (1194-1196 Trenton Avenl!~) (City CDBG Residuall\eceIpts\~()an) ("N;~}1cf-~~/~H '--_ June ,2010 1. Princioal and Interest. -- ........... """,,"_C,..' T.:':""'--'. u ----.-.---- ~_...~-~_..=-- _._---~._._- ~ . -. -.--- =-,-"..='''.-.-._----- FOR VALUE RECEIVED, and in c;;nsidei!itiiHLafChu1a"Ycist~ City Cauncil Resalutian Na. 2010- ~ dated June 22, 20 I 0, the City .of ClItIa viiiiij(,~L_~nder")~:mdc;;auth Bay Community Services, a California nan-profit ~_Qg,,(c)(3) ("Make~B), Maker;gtolIlises iO'rnay ta Lender, .or .order, at 276 CC. '1i-_:.-_:.; -,-::- .-<--: ~-__._._':__._'.__" .. ..-:-..." Faurth A venue, Chula"~ls1:1i;;caiif9rnia, 91931'0, orsucI1\Jther;place~as the holder may from time ta time designate by ~i!tln nat;~~~12. Milker5~~~_iB;rri~ipa(sttiri:'of Three Hundred Eighty Five Thausand and Na/100'l:>.Qljars ($31t~;000.00),ofcrso much as is advanced, tagether with accrued interest from tl1\:l_date afai~gllEse}p.ce!lW.l!Jhe rate -q,ti!.hree percent (3.0%) per annum, except in the event .of adefault'fUilc!s;r thisNpt~fQ:ta'riy[6nh~J,aail'~p_ocuments, as defined belaw, in which event ten per<;Rri~~r6%T~iilipJ~j!1ter~st~I;1~II be d;efue~;!Q,liave accrued as afthe date .of default under this Nate. ;;TIi'i~ Nate is issii~d:pursultnI~!~ the deed"bf trust (the "Deed .of Trust"), being executed cancurrefiijy~herewith, ta b~ert~cprdeCi~i~~~Qe office .of the Caunty Recorder .of San Diego County. The real prop'2~described in'~,DeedOf;crrust shall be referred to herein as the "Property." The Note, Deed ofTm"~S, and Decl@,~tian .of Cavenants, Canditians and Restrictians are sametimes collectively referr1?al~terein as:ln;e "Loan Dacuments." 2. Residual Receiii~\D~tiiiitions. (a) Residual Receipts Defined. "Residual Receipts" shall mean Gross Revenue less Reasanable Operating Expenses, calculated an a calendar year basis, as pravided herein. All calculatians of Residual Receipts shall be subject ta verificatian and approval by the Lender. (b) Gross Revenue Defined. "Gross Revenue" shall mean all revenue, incame, receipts, and ather consideratian actually received from the operatian and leasing afthe Praject, as such term is defined herein. Gross Revenue shall include, but not be limited to: all rents, fees and charges paid by tenants, Section 8 payments .or ather rental subsidy payments received for the dwelling units, all cancellation fees; proceeds from vending and laundry room machines; the proceeds of casualty 1 3-30 insurance to the extent not utilized to repair or rebuild the Project; and condemnation awards for a taking of part or all of the Project for a temporary period or used to repair or restore the Project. Gross Revenue shall not include tenants' security deposits, loan proceeds, capital contributions or similar advances or payments from reserve funds. (c) Reasonable Operating Expense Defined. "Reasonable Operating Expenses" shall mean any and all reasonable and actually incurred costs associated with the ownership, operation, use or maintenance of the Property, calculated in accordance witl1.generally accepted accounting principles. Such expenses may include, without limitation, PJ2~~[iY and other taxes and assessments imposed on the Project; premiums for property damage, li~~mfu.~d business interruption insurance; utilities not directly paid for by the tenants includil1~f~WiinQH1.,limitation, water, sewer, trash collection, gas and electricity; maintenance and reR~iE~lnCluding';c~tp.out limitation, pest control, landscaping and grounds maintenance, paintin~:[ij.ii(Fdecorating, "cl~il!ling, gencral repairs, and supplies; tenant relocation costs and expenses;:IK~llse fees or certificate:gEQ.ccupancy fees required for operation of the Project; general administraitx~.expenses directly attH~!;!table to the Property including, without limitation, advertising and rn~rk~ting;,-:.se'CJlIity service.~:tffi1d systems, and professional fees for legal, audit an4i~E~?unting; proR~,rty;iil1ili~gement fees anq:ieimbursements including on-site manager and assisfags~ina11ager exper\.s~~~:debt service on any loan made to the Maker by any partner of the Maker to'fS(r{~r:'qB,~E\'ting exp'i;ns~s; cash deposited into a reserve for capital replacements of the Project irilpt~lVemejj.l~'~i.lnd an'::'QR~Iating reserve; and reasonable supplemental managemel!l.f~~~.)n no evertf:sl1all expeggittp;es, infllicljpg attorneys' fees or litigation costs, normally requir~1f:(o"15e1plli,d out of'!h~ Rep!~em{9'hiRes~rve, be treated as Reasonable Operating Expenses~1#lI~ss specit!9g11y apprQ-r-ea1:ihC? writing"~Y the City. For purposes of the foregoing definition O(~jlZ~<lSonabIe.iiPperating"'E$Renses," any property management fee which is paid to Mak~r or an affiliate~9fNfakeE,;;pall at 'h~;-:time exceed an amount as is customary and standard J9if~OCQ'(~a.~1~ hoiis[ui~y~g:;~'tt~~~i~ilar".ilc"size, scope and character to the Project. Notwij:lisfaliding the~fQi"~going;'fifE.purposes,"of.,..:thi.~_. ..:!! c.alculation, Reasonable Operating Expenses shall not:iu~lude the foIIb\iling: prlD.8@1 and interest payments on any debt subordinate to the City Note (exC'l;p!.:!!ebt service oni!2i\Ps maq$3)D the Maker by a partner to cover operating expenses, as provided a1Jo.lf~)', depreciatiorr,'E:'!;mortiziiti9n, depletion or other non-cash expenses, incentive partnership asset';!!1ffi1agement f~~],payable to the Maker or its affiliate (other than the management fees described abo:\1~2;.gr any ani9':tpt expended from a reserve account. In the event that any ofthe above costs is incurredE.ill!ial!y~th respect to the Project, the parties shall mutually agree upon an allocable portion of sucli'c8.~t~~~hich shall be deemed Reasonable Operating Expenses of the Project for the purposes of this Agreement. 3. Term of Loan, Due Date and Ri!!ht of Prepayment. Each year during the term of this Note, Maker shall calculate its Residual Receipts, as defined herein (and report the same to Lender no later than May 1 of each year, on a form acceptable to the Lender in its sole discretion) and distribute and pay such Residual Receipts set forth in this Section 3 no later than May I of each year for the prior calendar year. 2 3-31 (a) Until Payment in Full ofthis Note. During the period commencing on and ending on the date this Note has been paid in full, Residual Receipts shall be distributed and paid as follows: (1) 33% of Residual Receipts to repayment of this Note; 33% of Residual Receipts to repayment of the County of San Diego Note; and (3) 34% of Residual Receipts to be retained by the Maker. 4. Tenn of Loan, Due Date and Ril!:ht ofPrepavment~~1'fotwithstanding Section 3 of this Note, above, this Note (including all unpaid principal and<lism~a interest) shall be due and payable in full at all of the following times:c.c.~c-"c;'='.:.. -".~-;;~,+. (a) .~ ""'- .-. '~:::-'-:::"- .."----+-- Fifty-five (55) years after the rc::,?~~ti()n ofthe Deidi~f"Irust. _n,",_"__'.,_.____ ....'_____.__." (b) Concurrently with the refinancit'ig;&f.<lllY loan or other obligaiIi;Jll~secured all or in part by the Property.".f1f:~~ . _,,::;., ~.' --"",..-,.= ._~-.-"-."-~,,,,-,,. (c) Acceleration ofthis N~i~jplJl:~llant to t~~~m~I~;ons of Section 6 o{~his Note, when all principal and accrued interest shall~,?j}lueT~:!J<;l.payable:'.c~~;:.... (d) Any sale,;:t.ran~fer, convey~!ige or;fuffih~r?encurii8tligce of all or any part of the Property, without the:~~p.~~~s'~~~~ cons~i"1~~~~~~fs~h<:l~ri~'",,"?' This Note m~~~;Jlrepaid-c-~~whole or ]~~i at any ti~~ and, from time to time, without notice or pena!!y. Any preJlaYII1~l1flQa1.Lb.e allocated tirst to unpaid interest and then to principal. Should tl1'?wt4~fK1lfu$.Qsell;cQI):fey~lransl~i";'f1J.rth~~~10cumber, or dispose ofthe Property described in the !?e~.~~ofTri.isto;;(i~iIT;iJ1g thi~IliQte, or aiiY;p8rt,gfii, or any interest in it, without first obtaining the wiitt~lLconsent of L"cil"iler, or th~~!!:!en holdef'tf this Note, which consent shall be granted or withheld\ri:the sole discretI:&nof the~Bender, then all obligations secured by this Note may be declared d~g'~<;l,payable, at lK6ZQption6fj';ender, or the then holder of this Note. Lender reserves the right to approY~:<lll sales, traIt~.fers, conveyances, additional encumbrances, or dispositions of the real property. Cons"itl1t to one tt~action of this type will not constitute a waiver of the right to -.~c='-"," _i~::_~-~: require consent to fUru{sLQ.r Sl!S~~~csive transactions. 11' such a sale, transfer, further encumbrance, disposition, conveyance~Qi;'!f@"~fer is approved by Lender, ilien upon ilie sale, transfer, further encumbrance, conveyance;"tfansfer all accrued but unpaid interest on this Note shall be paid to Lender, at Lender's option. 5. Security for Note. This Note is secured by the Deed of Trust of even date herewith executed by Maker, which creates a lien on the Property. 6. Acceleration Upon Default. 3 3-32 In the event of any default under the terms of this Note, Deed of Trust, or the Declaration, or any prior or subsequent loans, notes and/or deed of trust, at the option of the holder of this Note, and after the expiration of any applicable notice and cure period, all principal and interest due under this Note and the Note shall immediately become due and payable, without further notice. Failure to exercise such option shall not constitute a waiver of the right to exercise it in the event of any subsequent default. Without limiting any other events of default contained herein, or in any of the Loan Documents, the failure to complete rehabilitation of the Project to the satisfaction of Lender on or before December 31, 2010, shall be considered an event,gt:,default, entitling the Lender to accelerate the payment of principal and interest hereunder, a~,:Jl(~ylCled in this Section 6. Time is of the essence. '~.. -",' - 7. Costs Paid bv Maker. .---"-"--=-~=.._.~ - ~,'-.~"".::-,*-g:~- . " -.. -......, "=-=,-'J;T.-,"-" .~C',_ ~.l;:;;::;J.- 't.EC:":.c __.:".":"".J '''''''':;'':.'''''- ."~-'" ,-. _....-- ..... ft:..,~,,--- ~'~'''''~'",". ""..._ .n __ Maker agrees to pay the following cost~~~XJ5g~ses, and attomey~;~f.eS;; paid or incurred by the holder of this Note, or adjudged by a court: (a) 'i'eii.s.()nable costs of collecti~~;:Eosts, and expenses, and attorneys' fees paid or incurred in connection"~~th}he cgIt~stion or enforse,j:Rent of this Note, whether or not suit is filed; and (b) c(),sls,l{f suit and sl16ti:~,uri'!~sthe court may adjuclge as attorneys' fees in any action to enforce paymen[@!fii~.Note or any$i\i1 of it. ~ .<~ ---- ",=0--:'>- '."" 8. t<-.,:-~2'~,~:,.. Payment and Interest CaIcula'tlon. '2;,,,,,,. "f.":::'.F,,-'-'~. __'i__;:"""''''~ '-.i:.'_""~'-'';'_ Principal and..irit~~~~l1~l1'ii!tbe pay~l5i~in ImYfdi"H{i[ney otfll~ United States of America. Interest shall be comR.~~ii base(fdur~)60,daYX;}l,f'@;r30'd~yiri~nth. Payments shall be applied to interest first and thentof~J".unpai~"Rrincipal bal@'ce. ,;;;;;~~"'",.- .~-'-""".= ..--..... . _= _ "''':ii1C::.'-..''''';:-.;'''''"-''-'-''~'C<' -.--..,.--.-~ ~~;!rl~'''';c-,,- -"~"'~~."'''ci?l';:::,:_~ " ;.':@~er hereby ~~l'~~s1i liJ'fi~~,.presentmerit: protest and demand, notice of protest, dishonor and nonpa~)nt ofthis Noii,"'it[jd expr~~l~ agrees that, without in anyway affecting the liability of Maker hereuns!~l, Lender maY;S:~lend aiiy:#}aturity date or the time for payment of any installment due hereunder;a?e;<<pt additioml~~curity, release any party liable hereunder and release any security now or hereafter s~Q\j.rif1g this N.Q&~. Maker further waives, to the full extent perrnitted by law, the right to plead any an(riiH:~tatl!!fs,:9f1imitations as a defense to any demand on this Note, or on any deed of trust, security ag't~~~~~trguaranty or other agreement now or hereafter securing this Note. 9. 10. Non-Recourse. (a) In any action broughtto enforce the obligations of Maker under this Note or the Loan Documents, which accrues prior to the timely issuance of the temporary certificate of occupancy for all of the Property and Improvements, any judgment or decree shall be enforceable against Maker, in addition to any collateral security for the payment of this Note, and Lender may seek any deficiency judgment against Maker. Upon proper and timely issuance of the temporary certificate of occupancy for all ofthe Property and Improvements, this Note shall become non-recourse to both Maker and its partners and the recourse provisions of this Paragraph I I (a) shall no longer be operative. 4 3-33 (b) Notwithstanding Section I I (a), above, Maker shall indemnify, defend, protect and hold Lender harmless from and against any and all loss, damage, liability, action, cause of action, cost or expense (including, without limitation, reasonable attorneys' fees and expenses) incurred by Lender as a result of any (i) fraud or material misrepresentation under or in connection with the Loan or any Loan Document; (ii) intentional bad faith waste of the real property more particularly described in the Deed of Trust; (iii) losses resulting from Maker's failure to maintain insurance as required under the Deed of Trust; and (iv) misapplication of anXi,,<,;pts, security deposits, insurance proceeds, condemnation awards or any other proceeds de~i21\~(I';from the collateral security in a manner prohibited by the Loan Documents. Lender shall'"j3tomptly provide Maker with written notice of any event for which Maker has an indemnificaXi6ri[6bifg'atjon as provided in this Paragraph 11 (b). Notwithstanding anything to the contrary SQlltiiilied hetlfjIi;,jleither Maker nor any of its partners shall be personally liable for any indemQ,j~Si~il'on obligatiofifW1~fr the Loan Documents to the extent such indemnification would result ifr'iHE&payment ofprinCiparand/or interest under the Loan. "'-"~" .;:;~s,' --'=__"'__".::"~:;;:;;-:~ ';r"":'-21r (c) Maker's obligation toAmlemnify the Le~l1s!:a~}lforesaid shall be'p.$Jsonal, recourse obligations of Maker and in the even(:Q~~y,kreach of siic)J:SiJ?ligations, Lender shall have the right to proceed directly against Maker to ref:2ier:qny;<\!.ld alllosSes;j,qamages, liabilities, actions, causes of action, costs and expenses (including:'w.!)1o'uFlimil<i!ion, re;;sQ.~<\ble attorneys' fees and expenses) resulting from such breaSI1~I2c!.lhe right to';~_;:Wg anyitti{Q.Qjlnd to;i~~:tit.ute any proceedings to obtain a deficiency judgmentinior'ft(jli2~ing afterY()~t"closlli'~1;fgr~a'iiyand'aTllosses, damages, liabilities, actions, causes ofacii~ii~~osts arl1ire~penses (iiiglJ-l'i'llti1twithriutfijnitationreasonable attorneys' fees and expenses) resultirlg'JI-4?!r such ~l~ach. ,,,,.,~y .- ~C:=-, ~ - - -,........ -c::. ,"___~__:'':=-::;c"';:~~=_~_,,_,c:'f::"_~"::; __ __ Late1eh;~'r~~~;~., ", .'C"='- '.". :;',;;:,.~ -::t"'-""'''F'- ~-t;-;;..:L ~~_;:-__=-?" - c:~.;:~;~~ '':___':~;;:', -:"'_..:'~__:-"<:: "@~ddition to thef~fegoing;;If;JlI1Y installment due hereunder is not paid within fifteen (15) days from;i!1?date due, Mak-gt:promise~~'Qpay a "late charge" offive percent (5%) of the installment so overduef()ifd~~~.the exp~'hT~!ncidetit'f~handling any such delinquent payment or payments. 11. 12. SeverabilitV~~~ ':;'~"'iFF.-- "_.....:,'~=-.- If any provision ~olahis-'NSte is determined to be void by court of competent jurisdiction, such determination shall not affect any other provision of this Note, and such other provisions shall remain in full force and effect. 13. Non-Waiver. No delay in demanding or failure to demand performance hereunder shall constitute a waiver by the holder of this Note of its right to subsequently demand such performance or to exercise any remedies for any default hereunder. Further, in order to be effective, any waiver of any of Lender's rights and remedies hereunder shall be expressed in a writing signed by Lender. Further waiver by Lemler of any right hereunder shall not constitute a waiver of any other right, including but not 5 3-34 limited to the right to exercise any and all remedies for a different or subsequent event of default hereunder. 14. Replacement Note. The undersigned agrees that, in the event that this Note shall become lost or stolen, upon request of Lender, the undersigned shall execute a replacement Note incorporating the terms hereot~ provided that Lender shall furnish a written agreement to inq~f\l!lify the undersigned against all losses, costs, and damages arising from a duplicative dem~~~r'payment under this Note. 15. Interpretation; No Novation; Conflicts. ---_..~_.~._,._-_.._._..._... =-c.:..."---:-""'--"C .. .- . .... ''2'':.''.:.~--. This Note shall be governed and interpr5;L~Q~thc'accordanceW1J.h,.applicable California law. ._-. . 16. Signature Authoritv. ~-. _.~:"..c_-:;~_"c -.. .no_. ~__ _ All individuals signing this NQ!.~for a party wli:r<iliis~:cPiPoration, limiteci'@bilitycompany, partnership or other legal entity, or"{i]lling..)lnder a po\\i~fJ:Qf attorney, or as a trustee, guardian, conservator, or in any other legal capa~itY;~Q;y'~~ant to tf(e4g~pder that they have the necessary capacity and authority to act for, sign and;!lJpd tlie;ri~B~~tive eniit):::2r principal on whose behalf they are signing. .... .~:;;"~;;;;.c;.. .. ..--. ,;;-~;:~~';;':;;~;'~::~;' Maker: South Bay ~'i;~,,'p;ofit '-= 6 3-35 RESOLUTION NO. 2010- RESOLUTION OF THE CITY COUNCIL OF THE CITY OF CHULA VISTA AUTHORIZING THE CITY MANAGER TO EXECUTE LOAN DOCUMENTS BY AND BETWEEN THE CITY OF CHULA VISTA AND SOUTH BAY COMMUNITY SERVICES IN THE AMOUNT OF $385,000, AND ALL OTHER DOCUMENTS NECESSARY FOR THE FINANCING OF THE ACQUlSlTION AND REHABILITATION OF 1194-1196 TRENTON A VENUE FOR AFFORDABLE HOUSING, AND APPROPRIATING FUNDS THEREFORE WHEREAS, the City ofChula Vista is an entitlement/participating jurisdiction for the U.S. Department of Housing and Urban Development (HUD) funding programs and is awarded on an annual basis a formula grant from the Community Development Block Grant (CDBG); and WHEREAS, CDBG funds are designed to assist in the creation of atIordable housing opportunities for low income households through the acquisition and/or rehabilitation of affordable housing; and WHEREAS, South Bay Community Services ("Developer") proposes to acquire and rehabilitate a 7 unit multifamily rental development, with units affordable to extremely low, very- low, and low income households at 1194-1196 Trenton Avenue (Lot16 of Map No. 2119) located north of Palomar Road in City of Chula Vista ("Project"); and WHEREAS, the City wishes to provide up to $385,000 from its federal Community Development Block Grant (CDBG) funds to assist SBCS in the acquisition/rehabilitation. The City assistance is a maximum level of participation; and WHEREAS, the City's provision offunds to the residential use of the Project will directly improve the City's supply of very low and low income housing; and WHEREAS, the environmental coordinator has reviewed tlle proposed action for compliance with the National Environmental Policy Act (NEPA) due to the use of Federal funds and has determined that pursuant to Section 58.35 (a), Title 24 ofilie Code of Federal Regulations the project is Categorically Excluded. NOW, THEREFORE, THE CITY COUNCIL OF THE CITY OF CHULA VISTA DOES HEREBY RESOLVE as follows: 1. That it authorizes the establishment in fund 33320 a new non-CIP project - "Trenton Street Project" and amends the FY 2010 CDBG Program Budget to appropriate $385,000 in grant funds from Housing and Urban Development to the "Trenton Street Project" for a loan related to the acquisition and rehabilitation of the Project; 3-36 Council Resolution No. 2010-_ Page 2 2. That it authorizes the City Manager to execute loan documents for $385,000 from CDBG funds between the City of Chula Vista and South Bay Community Services, and all other documents necessary for the financing ofthe "Trenton Street Project" in substantially the form presented to the City, and make such modifications, changes or additions in consultation with the Office of the City Attorney, as may be necessary or advisable for the financing of the project. Presented by Approved as to form by Gary Halbert, PE AICP Deputy City Manager/ Development Services Director ~/X Bart Miesfeld City Attorney 3-37