Any other Public Comment . Any other announcements . Hearing none, we cant have a motion to adjourn . Police please, come forward. Can you state your name . My name is keith moore. I am a local Real Estate Investor he here in San Francisco. I have been here for 37 years. I am here because i currently am in possession of a lot on the corner of turk and drums. This lot currently is, i assume it is being leased by the city and california parking. There is movement on this lot as far as the potential building for a safer organized space, which would help the homeless in the event of a catastrophic catastrophic event, and they were going to be ripped out of their home and going through posttraumatic shock and dealing with the situation of newly becoming homeless. This particular space would be utilized to house those people. Now there is a philanthropist named amy, and she is there right now. May i approach this . Thank you. Now as you can see from the diagram of the spacing on the diagram there, the spaces are very well organized. There is a triage area, there would be reporting if the board would like reporting on whos utilizing the services there. It would be available to the board if you requested. We would be more than happy to get that dated team. If the board would consider the finalization of the acquisition of the lot to be used for that purpose, it would be much appreciated. We also know the homeless problem in San Francisco is a huge problem, but triaging the place would be great for the committee. Thank you. Any other Public Comment . We cant have a motion to adjourn, so i will just simply order that we adjourn. [laughter] it is nice we can do this outside. It is so nice out. It is 110 degrees in sacramento. We have this weather ten days a year, maybe, but now with global warming, it is 30 days. We are here to talk about affordability. It has got to be one of the number one issues for you. Housing, homelessness, cost of living, it certainly is for the state of california. Thank you for hosting us, thank you for allowing us this opportunity to dialogue with some people who have beneficiaries of your leadership and the work that has been done at the local level to address the issue of affordability. Not just as it relates to the issues of rent, but also for homeowners, which all of us aspire to be. I am still aspiring. [laughter] can you take advantage of your own Home Loan Program . I wish. [laughter]. By the way, you do. And then after taxes, its like, student loans, rent, and this is crazy. So lets talk about that. You guys feel the same way, i imagine. You are a firefighter, you just came here for a very short period of time, eight years later, youre still here from illinois and chicago. Still here. And you spent 22 years as a Deputy Sheriff,. I cant believe you retired. Early. [laughter] and you have nothing in common on this topic with them, but you want to have something in common, and you want to be a beneficiary of the program you have all been able to take advantage of. Why dont we talk about that program and mayor, maybe you can set the table on what that loan program is all about. What is so great about the programs that we have in San Francisco is it is not only the first time down payment assistant program, which we know can help people to get a significant amount of money to put as a down payment on a home, and not necessarily have to pay that loan back right away. Theres also the teacher nextdoor program. Sometimes there is just an additional amount of money that you need to put you over the hump because the cost of living here and the cost of purchasing a home is really challenging for so many families, and i know that, you know, when you say, you know, you have a family of four making 200,000 a year, people think, oh, my god, 200,000 a year is a lot, but just think about it. With kids, with the expense of living in the city, it is even hard to save money to put a down payment on a home in the first place. So having an option like this can be absolutely incredible. So we in San Francisco have made a lot of changes. We have put 600 dollar 40 will housing bond, the largest Affordable Housing bond without raising property taxes, that will provide Additional Support for programs like this so that we can really get to a lot of our middle income residents and get to our educators and or Public Safety officials, and the people that are really struggling to afford to live here to making sure they there are easy ways to get access to resources. It is critical to making sure our city remains diverse. It is important. Lets talk a little bit about , and the Practical Application of what the mayor set out. You have been a firefighter in San Francisco for three years. Four new four years. And you were able to navigate this lottery process. Tell us more about that and what ultimately transpired and why you are sitting with us and why you think it is so damn important. Im happy to be sitting here on the other end of this program i am a firefighter of San Francisco. I had friends who came who went to the program and i know that that would be my only way to stay in the city. My mom and dad live here and i grew up here, i was born and raised, i have had so many friends and coworkers leave San Francisco to as far as idaho to find Affordable Housing. And my own fire academy, i would say about half wherefrom here and a quarter are still with here. It is still unfortunate that folks who want to stay cant, but i lucked out, and some of my classmates lucked out where we got this program through the city. I havent even got a chance to personally thank you so thank you. I have a wonderful home in silver terrace, i love it. I love it to death. A great view, it is my dream home. I cant wait to go home every night every morning after work. This program is a help for a down payment and there is no way i would have been able to pay them for the down payment. The amount that you need to compete in this market is astronomical and even with the program, as im sure other people no, the only thing that really helped me was my program. If i didnt have the money from the city, i have been eyeing it for years. It is at it it is competitive. It is competitive. We put additional money in a couple of years back for First Responders, you know, basically trying to get more First Responders to live in the city and theres additional money for that and so the money goes fast. Yeah,. Even with that, use it still has to be a lottery because theres not enough money to go around. Mine wasnt as large as some of the other lotteries that i saw on their, and some of you guys the odds were a little stacked against you guys a little more than i was, but still, it was still really tough i was doing it i knew about this program for a while and i think i had about three years trying to go for it and do it. Even with this program, you still need enough down payment on your own and help from all corners of your own community. I scrounged and i saved. A lot of trips i didnt go on, a lot of nights out i didnt go on , and i lucked out. There is not no other way about it. You lucked out for whatever reason and you decided that you had had enough of the winters in chicago and you came out west. I did. But you didnt expect to be out here this many years. No. I moved from six from chicago about five years ago and i thought, it will totally be a temporary thing, so did my family, and eight years later, im still here in San Francisco as a teacher. I am teaching second grade. My name is cheryl and i closed on a condo in Outer Mission around the 4th of july weekend just recently. It is very close to your school. It is very close to the school and the children that i serve. It is a 16 minute drive every morning in rush hour traffic. It is amazing. Thank you to the Mayors Office of housing. It has been an amazing learning experience similar it is a Lottery Program and it was a good three years that i was trying, but you just keep pushing forward and you keep trying and one day you get lucky and i did. After that, it was a whirlwind process with the down Payment Assistance Loan Program, and also i was a beneficiary of the Teacher Next Door Program so that was another good lumpsum. Both programs you were able to connect with. Yeah,. And then with a down payment of my own, as well, i was able to get my home, and a home that i live in, that i can go home to every night, and not have to worry about paying rent or be pushed out of the city to go move into moved to the suburbs or something more affordable. I just read an article two days ago saying that your income needs to be about three and 43,000 343,000. [laughter] yeah, and i was thinking, that is not me, but because of the Mayors Office of housing in the down Payment Assistance Loan Program and the teacher nextdoor program, all of these resources, i was able to get a home and have me stay in the city and serve in the community that i have worked in and lived in and breathed in for the past eight years. So you want to be sitting in her seat. I have a lot of questions for her. [laughter]. Tell us about your background , what are your aspirations to stay in the city and struggles with rent and housing . My name is yolanda, i teach second grade at San Francisco elementary. I was born and raised in the city and went through the Public School system. You know, this is home. A lot of people i know have moved out of the city because they cant afford to live here. I know some friends and colleagues of mine that have moved out to the pacific northwest, nevada, other places where it is more affordable, and theyre constantly telling me that i need to get out there because it is a lot cheaper, costofliving, houses, it is easier out there to own a home and, you know, every time i am checking listings out here and i see my salary, im just thinking , oh, my goodness, maybe i do need to research this a little bit more because it gets harder and harder each time. But i love where i work, i love San Francisco, so right now it is a struggle for me to own a home, but im constantly trying to save money, you know, and hope that one day that will happen. Without getting too personal, what percentage of your income do you spend on housing . Right now im living at home because im trying to save. You are still with mom and dad . Ive tried to save them money for a house in the bay area. I have realized that i might not live in San Francisco, but hoping i can stay in the bay area because i still want to work where i work. What do your parents say . They talk about do they talk about the good old days when they could afford to raise a family, and now here you are, you cant even afford the home you grew up in . Even my mom, she sees how hard it is for me to eventually own my own home. When she and my dad moved here 30 plus years ago, it was hard for them, they were still able to manage to buy a home, and pay mortgage. They worked at hotels and sales. I am a teacher, i cant i dont even know if i can afford to live here. Right. My mom wants me to save money and hopefully one day by something in the area, but realistically, i dont know if i can anymore. We have relatives up in washington who constantly tell us to go up there. It is very cold in the winter i know. It is terrible. The other thing is, this is also why, in addition to programs like this, we need to deal with the process. For example, the old campus, where it is slated to be 100 educator housing, the additional two year delay through the process and rezoning of the property is just ridiculous. And thats really presenting an opportunity to make sure that we are building more educator housing, and we need to address bureaucracy. You dealt with that when you were mayor here. You want a project done, then it takes up to seven years before you can even get a 100 Affordable Housing project done. It is ridiculous. I wanted to talk about that a little bit more. But first, you spent 22 years, Deputy Sheriff, he retired and you are working. Did you grow up in the city . Yes, in the city. And struggled with housing despite a pretty decent salary. We negotiated a couple of those contracts, but not good enough. Tell us a little bit about where you have been bouncing around, and your family background. Okay. My name is elaine and i am a native san franciscan. I went to elementary through high school here, and i just retired as a Deputy Sheriff up sheriff about three years ago im still working. As far as housing, i was a homeowner, but i got into an upside down loan and lost it. Im sorry. God bless. It has been hard for me to get home, and probably about four years ago, i lost my home. I had a short sale, i had been looking at this program for a long time, and i was able to put my application in, they picked my name, and i call it a blessing. Im sorry, i dont want to be in here crying. [laughter] anyway, so my family grew up here and all of my family members moved out. They are in other cities, and my grandmother to this school. Thats great. In the sixties and seventies. So just being able to have a down payment assistance, and being able we need the programs, we need a 100 affordable because it is even hard to save enough money. We have to make a lot of sacrifices to even save to get into the down payment assistance program. Another thing that i believe is important is the Housing DevelopmentHousing DevelopmentCorporation Council because half of them probably would not have even gotten into that program. I could have gotten into something affordable, and that wasnt down payment assistance, that was just regular. So that is very important. And just the education on what to do and what not to do, i was the first person on my moms side of the family to purchase a home. I grew up in subsidized housing in fillmore. So it is great to be able to have a home and to also have other people native of San Francisco to be able to stay here. I will never leave. I have something to leave my daughter now. It is very important. And they see me with a home, and now they believe they can buy a home because i never believed that i could even own a home. It is about your kids, this is real, i appreciate i love that you are in bayview. Yes. That is great. I am able to give back as a retiree. I do still work, but i can give back to my community because i do make my own schedule. That is one thing i love to do, and they love to share in the program and being a testimony that people think, you cant even get it, and then, well, i got it, so let me show you how to get in, and then once they pull your name, i believe that god did not take up this part to leave us. Once they pull your name, theres all of this red tape you have to go through. They ask you for something, they ask you for something else. Just do it. I remember one time i was called up and she said i know this is nerveracking and i said no, it is not nerveracking. Whatever you need, i look at it because you were getting are getting me down payment assistance. [laughter] so i would say, some people may want to quit once they are chosen because of all of the paperwork, but if they pull your name, you are getting a home. Dont quit. Dont quit. I can go on thank you. [laughter] i need to talk about it. Have you started the application process . No. I know about it, but i havent. Do a lot of your colleagues know about it . I believe so. Is there a buzz about this . [laughter] the resources that the city gives you a lot of people are just unaware. My phone blew up once when i find out when i found out i got the program. That is how i found out i got it you become an expert as you walk through the process. You are happy to give it to them because you want a home, and a lot of people are in the same position to own a home. They would do anything. Yeah. Thank you, guys, for putting a human face. Thank you for sharing your story , and thank you, mayor for everything you are trying to do at a local level and what is not surprising about this conversation is we could be having this conversation in any other part of the state of california. When you look at the 50 most expensive cities for rent in the united states, 33 of them happen happened to be in the state of california. Not surprisingly, not just from a rental perspective, but even more broadly, does finding housing that is accessible in your price range, the costs are astronomical, but for one fundamental reason. We are not building enough housing. We are 49th out of 50 in per capita housing. It is only utah on a per capita basis that develops less than the state of california. It has been decades in the making. It manifests in every conceivable way, but fundamentally, the expression of frustration relates to the time and value of money and the patients one has to develop a project, even at 100 affordable , taking up to seven years, foundational he is one of the greatest impediments to this states future, to your future, to our collective future because i posit that the california dream is in real peril if we do not address the housing crisis. It is a world i went to Great Lengths over the last 20 years not to say because i think we are often using the word over using the word crisis and it dilutes its meaning. But when it comes the cost of housing in this state, it is a crisis. You dont need any more evidence of that beyond this conversation than to see its ultimate form in manifestation and that is homelessness, which is skyrocketing. It is not just growing. I consistently make this point. I said for all of the focus on San Franciscos homelessness,