Frequently Asked Questions (FAQs)

SD Housing / About / FAQ

Find answers to the most commonly asked questions about SD Housing.

You can also browse the categories below to find what you are looking for.

SKIP TO CATEGORY:‍ ‍For Renters‍ ‍For Homeowners‍ ‍Housing Development‍ ‍Property Management‍

For Renters

Affordable Rental Housing

  • We strongly recommend you visit the Rental Housing Search. You can also view the Housing Resource Guide on this website. These resources attempt to identify all affordable rental housing in each community throughout the state, along with apartment sizes, addresses, and contact information.

  • If the income has increased, the increase must be at least a $200 increase per month before you are required to report it. If your income has decreased, you should report it anytime this occurs.

  • Yes, based on program requirements.

  • Tax Credit and HOME require annual recertification. Section 8 Project Based and Tenant Based assistance also require annual recertification, as well as additional recertifications if your income or family size changes throughout the year.

  • After the lease has been terminated and the tenant has moved out, leaving a forwarding address, the landlord has two weeks to either return the deposit or provide a written statement showing the specific reason for withholding the deposit.

  • The rule of thumb is the landlord is required to give tenants 24 hours’ notice prior to entering their unit. However, if there is an emergency the landlord may enter the unit at his/her discretion.

  • Unfortunately the answer here is “no.” The local Public Housing Authority (PHA), if there is one in the community, will typically have information on any public housing, Housing Choice Vouchers, other affordable housing programs in which they are involved or which they administer, and a listing of landlords that participate in their programs. There are often other privately owned properties that offer Section 8 Rental Assistance that will likely not be on the PHA listing. We strongly recommend you consult the Rental Housing Search on this website. This resource provides locations of federally funded rental housing in South Dakota.

  • Federal affordable housing programs tend to fall under two broad categories, those offering “rental assistance” and those offering “limited rents.” Rental assistance typically refers to programs where the government has contracted with a landlord for a specific rent level. The renter pays a portion of the rent, usually based on a percentage of their adjusted income, and the government pays the remainder of the contract rent. Most often, the renter’s portion of the rent is limited to no more than 30% of their adjusted income. Examples of this type of program include HUD Section 8, USDA Section 515, and others. Programs offering limited rents typically place a ceiling on the rents a landlord may charge for an apartment. These ceilings are normally tied to some measurement of the average or median income in a community. The landlord contracts with the government to charge rents that are at or below that level. Normally the renter pays the entire rent in these cases, but the rent is often less than the prevailing conventional rent for an apartment of similar size, age, amenities, condition, etc.

  • Rent is determined using income, family size and other factors. For further information click on your category to links to more information:

    In Standard HOME and Housing Tax Credit properties, the rents are fixed at a rate lower than the market.

  • Both types of HUD Section 8 provide rental assistance or rental subsidies. In both cases, the government enters into a contract with a landlord to guarantee a certain “contract rent” for a housing unit – either a house or an apartment. To income-qualify for the program, the tenant must not earn more than a specified amount adjusted for family size and meet other criteria for participation in the program. The tenant then will pay 30% of his income toward the combined total of rent and utilities, and the government will pay the remainder of the “contract” rent. Project-based Section 8 applies to apartments at a specific location. Any applicant for these apartments must qualify for the program and will receive rental assistance if they qualify for such. When the tenant moves, the subsidy contract remains with the apartment, hence “project-based.” Housing Choice Vouchers are tenant-based. That means that they are issued for a specific tenant rather than tied to a particular apartment. The tenant can then seek out the housing they desire and request the local housing authority to contract with the property owner for rental assistance. The tenant contributions and most other aspects of the voucher are similar to those in the project-based program.

    Contact us if you have further questions.

For Homeowners

First-Time Homebuyers

  • Contact one of SD Housing's Participating Lenders for an application and interview.

  • No

  • Yes, SD Housing financing can be used for the purchase of existing homes or new construction.

  • The current purchase price maximum limit is $410,000.

  • It depends on the type of mortgage insurance, but usually it's somewhere around 3% of the loan amount and up.

  • SD Housing will permit a co-signer with no ownership interest in the property (does not take title or execute the Mortgage) to execute the Mortgage Note and, thus become liable for repayment of the obligation.

  • SD Housing can only finance the residence and the land required to reasonably maintain the basic livability of the residence. The land cannot provide a source of income, the property cannot be subdivided in the future, and outbuildings cannot be financed with the proceeds of a mortgage loan.

  • Yes, the lender must provide signed bid estimates or copies of final bills.

  • Annualized gross income from any and all income sources.

  • Yes, an average of past year and year to date is used for these types of income.

  • It is possible to finance a manufactured/mobile home with a "Government" insured or guaranteed first mortgage with SD Housing. It must be placed on a permanent foundation which conforms to mortgage insurer guidelines, and it must be taxed as real estate.

  • Contact one of SD Housing's Participating Lenders for an application and interview.

  • See SD Housing's Privacy Notice.

  • At least one borrower/co-borrower must have attended a homebuyer education course when using a conventional mortgage product. These include private, insured and uninsured mortgages only. Homebuyer Education is available online or in person and is free.

  • They insure your mortgage lender against loss.

    Interest rates are usually quoted in terms of "Government" or "Conventional." "Government" type loans are those that are either insured or guaranteed by an entity of the federal government which include:

    FHA - The Federal Housing Administration of the U.S. Department of Housing and Urban Development

    VA - The Veterans Administration, an agency of the United States of America

    USDA Rural Development - The United States Department of Agriculture, rural Economic and Community Division.

    Whereas "Conventional" type loans either have private mortgage insurance (PMI) or with a 20% downpayment are not insured at all. The insurance or guarantee protects the mortgage holder against loss due to non-payment or foreclosure of your loan. There is a cost to you and your Participating Lender will explain each type and help you choose which one is best for you.

    PMI - Private Mortgage Insurance Companies

    Uninsured - The borrower put 20% or more down on their loan making mortgage insurance unnecessary

Repeat Homebuyers

  • The Repeat Homebuyer Loan Program was specifically developed for repeat homebuyers that meet special income and purchase price limits and first‐time homebuyers that exceed SD Housing’s First‐time Homebuyer requirements. However, this program cannot be used to refinance an existing mortgage.

  • No, it does not matter if you had a prior SD Housing mortgage. However, if you had a prior SD Housing mortgage, it must be paid off.

  • It depends on the type of mortgage insurance, but usually it's somewhere around 3% of the loan amount and up.

  • There are only two income limits. Currently, for a family of 2 or less the limit is $124,080 and for a family of 3 or more the limit is $144,760.

  • There is only one purchase price limit for a single family dwelling that is also based on the “Targeted Area” requirement and is currently set at $460,000. There are different limits for 2- to 4-unit dwellings.

  • Interest rates are usually quoted in terms of "Government" or "Conventional" and change periodically. SD Housing strives to offer the most competitive rates possible.

  • Unfortunately, the Mortgage Credit Certificate (MCC) is not an option with the Repeat Homebuyer Loan Program.

  • Yes, you may. The minimum credit score for SD Housing programs is currently 620. You will still need to qualify credit.

  • Although SD Housing strongly suggests everyone attend a Homebuyer Education class, only SD Housing’s conventional mortgage requires Homebuyer Education. These include private insured and uninsured mortgages only. Homebuyer Education is available online or in person and is free.

  • Recapture Tax does not apply to this program.

  • Contact one of SD Housing’s participating lenders for an application and interview.

  • These entities insure your mortgage lender against loss.

    Interest rates are usually quoted in terms of "Government" or "Conventional." "Government" type loans are those that are either insured or guaranteed by an entity of the federal government which include:

    FHA - The Federal Housing Administration of the U.S. Department of Housing and Urban Development

    VA - The Veterans Administration, an agency of the United States of America

    USDA Rural Development - The United States Department of Agriculture, rural Economic and Community Division.

    Whereas "Conventional" type loans either have private mortgage insurance (PMI) or with a 20% down-payment are not insured at all. The insurance or guarantee protects the mortgage holder against loss due to non-payment or foreclosure of your loan. There is a cost to you and your Participating Lender will explain each type and help you choose which one is best for you.

    PMI - Private Mortgage Insurance Companies

    Uninsured - The borrower put 20% or more down on their loan making mortgage insurance unnecessary

Governors House

  • The price of the two-bedroom home is $89,000, and the price of the three-bedroom is $99,000* This includes the price of the house, transportation to your lot and placement on the foundation or basement. Additional placement charges may apply, depending upon lot location.

    *Prices subject to change and do not include applicable taxes

  • Consider the price of the lot; the cost of putting in the foundation or basement; state, city and excise taxes; water and utility hook-ups; floor coverings and appliances. Other considerations may include a survey, sidewalks, driveway, curb and gutter. A ramp may also be added at the homebuyer's expense.

  • You should finance your Governor’s House property like any other house you may purchase. Contact a local lender for financing options and information.

  • Yes—SDHDA will provide plans for a basement or footing and foundation plans for a crawlspace.

  • Yes—if placing your home on a basement, plans indicate where the stairway cutout is located.

  • The home may be placed anywhere in South Dakota.*

    *Lot must be accessible to movers.

  • Governor's House properties must be the homebuyer’s only place of residence.

  • You must live in the home for three years before you can sell the home at a profit above documented costs. If you sell the house before three years of residence, you may only recoup your initial investment.

  • Unfortunately, no. Each person/couple can only buy one such property in a lifetime. Nonprofits, however, can buy more than one for their communities, as long as the homes are sold to qualified buyers.

  • Yes—as long as this house is your only residence.

  • Anyone who meets the income guidelines is eligible to purchase a house, regardless of whether they have owned a home before or if this is the first time they are purchasing a home.

  • Yes—you can select Flagship Brown or Charcoal Smoke vinyl siding.

  • SDHDA will provide the manufacturer name and color code, so that you can purchase matching siding from a local dealer.

  • There is a crawlspace access framed in, in the back bedroom's closet floor—though it is not cut out.

  • Yes—all walls are taped, textured and painted.

  • The exterior walls are 2" x 6" studs, 16"o.c., 7/16" OSB Sheathing + 1½" XPS Insulation. The interior walls are 2" x 4" studs, 16"o.c., ½" Gypsum board.

  • The houses include R21 Batt insulation + 7/16" OSB + R7.5 1½” foam = R28.5 insulation.

  • Yes—it comes with an Air Source Heat Pump.

  • An electric hot-water heater is provided. A water softener is not included.

  • The properties also include solid wood cabinets, four telephone jacks, three cable TV hookups, five closets, two outside electrical outlets, a 30" range hood with a light, a bathroom fan, three smoke detectors and one smoke + CO2 detector. Standard light fixtures are included.

My SDH Loan

  • After SD Housing purchases your loan, the Participating Lender (Bank) who originated your loan may or may not accept and manage your payments. Any questions regarding your loan should be directed to your Loan Servicer. If you do not know who your Loan Servicer is, you may contact SD Housing to find out.

  • First Interstate Bank

    • 866-295-1339

    • Loan closed before 4/3/12

    CorTrust Mortgage

    • 877-361-5421

    • Loan closed before 4/3/12

    BankWest

    • 800-253-0362

    • Loan closed before 4/3/12

    First Bank and Trust

    • 605-696-2205

    • Loan closed before 4/3/12

    CU Mortgage Direct

    • 877-229-2198 ext 1790

    • Loan closed before 4/3/12

    U.S. Bank Home Mortgage

    • 800-240-7890

    • Loan closed between 4/3/12 and 10/31/14

    Idaho Housing and Finance Association

    • 800-526-7145

    • Loan closed after 10/31/14

  • The short answer is maybe. When your loan has reached the appropriate loan-to-value ratio specific to your loan because of appreciation or pay down of your loan balance, with no late pays (beyond 30 days in the last 12 months), then there is a chance you may be able to remove your MI.

    The requirements to remove your mortgage insurance (MI) vary based on the type of mortgage insurance you have on your loan, but most have similar standards.

    The first step is call or write your Loan Servicer (not the MI Company) and ask about the possibility of removing MI insurance from your loan.

  • Recapture Tax regulations require some borrowers to repay the government a portion of their gain on the sale of their home, depending on

    -Whether there is a gain on the sale,

    -The household income has increased at the time of sale, and

    -If the sale occurs within nine years of buying the home. Recapture Tax is paid directly to the IRS when filing taxes for the year in which the home is sold.

    Nothing in the Recapture Tax provisions should prevent the use of SD Housing's First-time Homebuyer Program. Using the Program may enable you to afford the home of your dreams.

    For SD Housing First-time Homebuyer Loans closed on or after August 15, 2006 and if you are required to pay a Recapture Tax to the Internal Revenue Service (IRS), SD Housing will reimburse you for the actual amount of the Recapture Tax paid to the IRS.

    Contact your Loan Servicer if you are subject to Recapture Tax and your loan closed on or after August 15, 2006.

  • In order to be reimbursed for Recapture Tax you have paid, you must send your written request for reimbursement to SD Housing no later than July 15 of the calendar year immediately following the calendar year in which you sold or otherwise disposed of your home.

    For example, if you sell your home on August 15, 2022, SD Housing must receive your written request for reimbursement no later than July 15, 2023.

    To request reimbursement of Recapture Tax you have paid, you must send the following original documents, signed by each Mortgagor (SD Housing will not accept copies or faxes), to SD Housing:

    1. Statement of Recapture Tax Reimbursement

    2. Request for Recapture Tax Reimbursement

    3. IRS Form 4506 (permits SD Housing to obtain a copy of each Mortgagor’s federal tax return and any corrections and/or Addendums).

    4. IRS Form 8828

    5. Settlement Statement from the sale of the property

    6. Complete copy of the IRS Federal Tax Return for the year in which the property was sold also to include all forms.

    7. Copy of the check made out to the IRS and showing deposited by the IRS.

    8. Any other documentation SD Housing may need to approve your request.

    SD Housing’s approval of Recapture Tax reimbursement is subject to all terms and conditions contained in the Request for Recapture Tax Reimbursement form.

    You may submit only one request for reimbursement. SD Housing will not reimburse you for any additional Recapture Tax you may owe under an amended tax return.

  • See SD Housing's Privacy Notice.

  • Contact your Loan Servicer to acquire a loan payoff.

  • Many SD Housing borrowers ask if they can rent their home or turn their home into an income producing property, regulations prohibit this kind of activity with the home that you purchased.

    However, SD Housing will consider requests from Mortgagors to rent properties in cases where extenuating circumstances warrant the temporary renting of the property and when the property is being actively marketed. SD Housing will accept written requests for permission to rent from your Loan Servicer on your behalf. The request must adequately explain the circumstances surrounding your situation; specifically, the request shall address the anticipated duration of the rental, proof that the property is listed with a Realtor while rented, the Mortgagor's reason for vacating the property and necessity of renting, and any intent to reoccupy by a specific date.

    You need to contact your Loan Servicer if this situation arises.

  • Your mortgage or house payment is a major responsibility; however, SD Housing understands that life can bring unexpected events that cause financial strain.

    Sometimes the financial pressure of managing your money is overwhelming. Through the HERO network of HUD approved counseling agencies, homeowners can get advice that may help you get through life's unexpected financial hurdles.

    Private one-on-one counseling sessions, conducted by certified credit counselors may be able to assist you in a wide range of housing issues. Counselors are trained to discuss homeownership options such as refinancing your existing loan, repairing your credit, reverse mortgage options, and default and foreclosure mitigation.

    If something arises and you know you are not going to be able to make your monthly mortgage payment. Here are four (4) proactive steps that you can take towards keeping your home and maintaining your credit:

    1. CALL YOUR LOAN SERVICER – See what types of assistance they may be able to offer you with your mortgage payments. The sooner you call the better.

    2. SEEK CREDIT COUNSELING – If you are behind in your mortgage payments, credit counseling can help you establish a budget, set priorities, and determine the appropriate strategies to stop foreclosure and help you keep your home. Find a HUD approved certified counselor nearest to you.

    3. BUDGET, BUDGET, BUDGET, BUDGET – Maintaining a monthly budget is the best way to keep your finances in order. If there has been a change in your financial situation, reconstruct your budget to adapt to your new financial limitations.

    4. BE PRACTICAL – If it is unlikely that you can continue to remain in your home, consider listing your home for sale.

    Taking the first step in saving your home and protecting your credit is the best decision you can make.

  • Reply immediately to your Loan Servicer's letter informing you of your loan status. It is much less expensive to save your house if foreclosure has not been initiated by SD Housing.

    Do not give up hope and do not ignore the foreclosure, if SD Housing starts the foreclosure process. You still have the opportunity to bring your loan current. Time is of the essence. You should contact your Loan Servicer immediately to determine your options. Keep in mind that once the foreclosure has been initiated, you only have a certain amount of time in which you can reinstate (bring current) your loan. Please see "Who is My Loan Servicer?" at the beginning of this section, to determine who to contact.

Governor’s Daycare

  • $99,000.* This includes the price of the facility, transportation to your lot and placement on the foundation.

    *The price is subject to change.

  • The price of the lot; the cost of putting in the foundation; state, city, and excise taxes; water and utility hook-ups; floor coverings and appliances. Other considerations may include a survey, sidewalks, driveway, curb, and gutter.

  • You would finance the facility like any other business you might purchase. Contact your local lender for financing options and information. Your Local USDA Rural Development office may have lending opportunities as well.

  • Yes, SDHDA will provide plans for a basement or footing and foundation plans for a crawl space. Please contact Child Care Services for additional licensing requirements needed for daycare basements.

  • For questions regarding licensing of the facility, contact the Department of Social Services Office of Child Care Services at 1-800-227-3020.

  • It will accommodate 20 children.

  • The Governor's Daycare Facility is a 1,200 sq foot, six room, 1 and a half bath facility. The dimensions of the building are 24'x50'.

Housing Development

HOME Program

  • 10% Owners Equity, 40% Conventional Loan, 50% HOME

  • Occupancy Requirements, Rent Restrictions, and Fair Housing Requirements are required under the HOME Program. Please refer to the HOME Program Allocation Plan regarding the Federal requirements.

  • What is the housing need in the community? The market study should include a breakdown of community demographics, employment opportunities, the growth of the community, an overview of existing rental projects, the size of the units (1-bdrm, 2-bdrm, etc.), rents currently charged, vacancy rates, who the units are being marketed towards (elderly, disabled, multifamily, etc.), when the projects were built, and the current physical condition of the projects. Once the housing need has been identified the review of rental income, expenses and development costs will determine project feasibility.

    • Need and demand for the type of housing project.

    • Local support of the project.

    • Financial feasibility of the project by determining:

      • Development cost projections and proposed funding sources

      • Income and expense projections for the affordability period.

    For further questions reference the HUD Exchange.

DakotaPlex

  • The price of the two-bedroom unit is $99,000* plus applicable taxes and the price of the three-bedroom unit is $109,000* plus applicable taxes. This includes the price of the unit, transportation to your lot and placement on the foundation or basement. Additional placement charges may apply, depending upon lot location.

    *Price subject to change.

  • The price of the lot; the cost of putting in the foundation or basement; state, city and excise taxes; water and utility hook-ups. Other considerations may include a survey, sidewalks, driveway, curb and gutter. A ramp may also be added at the developer's expense.

  • You could use one of SDHDA's financing programs found here or you could contact your local lender for additional financing options and information.

  • Yes, SDHDA will provide plans for a basement or footing and foundation plans for a crawlspace.

  • Yes, if placing your unit on a basement, plans show where the stairway cutout is located.

  • The unit must be placed in communities in South Dakota of fewer than 5,000 people based on the most current population information.*

    *Lot must be accessible to the movers.

  • The DakotaPlex must be used as a rental and must be placed within city limits. Annual recertification and a six-month lease are required.

  • The DakotaPlex must remain an affordable rental property with maximum rents for a minimum of 10 years. A restrictive covenant will be placed on the property to ensure compliance with this requirement. You must own the DakotaPlex for three (3) years before you can sell the unit(s) at a profit above documented costs. If you sell the unit(s) before three (3) years, you may only recoup your initial investment.

  • No.

  • Rents cannot exceed maximum rent at 70 percent of the State Median Income as determined by HUD each year. Certification at move-in and recertification annually. Minimum six-month lease.

  • Yes. You can select Canyon Drift or Charcoal Smoke vinyl siding.

  • SDHDA will provide the manufacturer name and color code, so that you can purchase matching siding from a local dealer.

  • There is a crawl space access framed in, in the back bedroom's closet floor, but not cut out.

  • Yes. All walls are taped, textured and painted.

  • The exterior walls are 2" x 6" studs, 16"o.c., 7/16" OSB Sheathing + 1½" XPS Insulation . The interior walls are 2" x 4" studs, 16"o.c., ½" Gypsum board..

  • R21 Batt insulation + 7/16" OSB + R7.5 1½” foam = R28.5 insulation.

  • Yes, it comes with an Air Source Heat Pump.

  • An electric hot water heater is provided. A water softener is not included.

  • Solid wood cabinets, four telephone jacks, three cable TV hookups, five closets, two outside electrical outlets, 30" range hood with a light, bathroom fan, three smoke detectors and one smoke + CO2 detector. Standard light fixtures are included.

  • Contact your area Sales Representative or SDHDA at 1-800-540-4241

Property Management

General

  • The OCAF for South Dakota can be found in the Section 8 resources page.

  • A RCS is good for 5 years.

  • Active Tenants: Keep everything as long as they are active tenants.

    Moved Out Tenants: 3 years.

    Rejected applicants: 5 years.

TRACS

  • 90%

  • Because the property will not be paid if the TRACS compliance percentage falls below the threshold.

  • An interim certification with the previous HOH information included.

  • An interim certification with the previous HOH information included.

  • 15 months

  • 10th of the month

  • True - according to the current special claims guidebook dated June 2006

  • Owner\Agents

  • Three years after the date the claim was paid

  • True

  • No

  • A manual move out form must be completed.

  • EIV Existing Tenant Search. Enterprise Income Verification (EIV) system allows owners and management agents to search if an applicant or a member of the applicant’s household is being assisted at another location under an Office of Housing and/or Public and Indian Housing (PIH) rental assistance program. HUD strongly encourages use of the Existing Tenant Search option before admitting new applicants into subsidized properties. If the search reveals the applicant or a member of the applicant’s family is being assisted at another location, the owner or management agent (O/A) should confirm with the applicant, the applicant’s program participation status at the other location before admission of the applicant to his/her property. The O/A may also need to contact management at the other location where the applicant is being assisted to determine the applicant’s move-out date or termination of assistance at that location. Assistance will not be paid for more than one unit per household.

Financial Reporting

  • Determine the lesser rent based on the OCAF worksheet or budget computation.

  • It stays with the land.

  • False

  • False - In one situation we are aware of, it took over two years to rectify the situation after an owner sold a property without HUD approval and the property did not get paid during the interim.

  • Once the HAP assignment is fully executed.

  • To provide the owner and management agent notice that funding has been obligated to the property to pay HAP payments for the estimated number of months stated in the letter.

    • Management agent with a Power of Attorney from owner

    • Owner

    • Chairperson or Vice Chairperson (if corporation).

    • Owner signatures are required on contract renewal and rent adjustment request documents and rent schedules. If the management agent has Power of Attorney (POA) it must be very specific as to timeframe and tasks allowed to perform. For properties governed by a Board of Directors, these documents will be accepted if signed by the Chairperson or Vice Chairperson of the board. If the documents are signed by someone else, a copy of the bylaws or a resolution authorizing the signatory must be submitted. Per SDHDA Memo 06-12-04 MF-113 dated December 5, 2006.

  • 1% or less of gross rents for last two fiscal years.

    • Age ineligible for elderly property, except for 515/8 properties;

    • Market rent waiver for over income applicants;

    • Occupancy waiver to allow single occupant to occupy two bedroom unit. RD 515/8 properties are not eligible for age waiver, but must request designation change.

  • 10%

  • March

Compliance

  • Income

  • Zero, HUD 4350.3 pg. 5-6 3(a). Full-time students who are 18 years and older are dependents, and not the head of family, spouse or co-head count up to the maximum $480. If the income is less than $480 annually, count all the income.

  • At least 50% of the time

  • 120 days

  • False

  • False - All fees must be actual incurred expenses, must be made available to the tenants, and must be pre-approved by SDHDA/HUD.

  • False - only the periodic payment is counted as income

  • True - if they are prescribed in writing by a medical practitioner for a specific medical condition.

  • $200 per month

  • 6 months

  • Current

  • One month’s total tenant payment

  • False

  • False

  • False - Exhibit 6-1 in Chapter 6 of 4350.3 REV-1 Handbook

  • 120 days prior to annual recertification

  • 3 years - shredded, burned or pulverized in Section 8 properties.

  • All adult household members.

  • Use federal definition of disability verification form, signed by licensed medical provider.

  • Owner

  • False

  • 40% of new move-ins during year at ELI (Extremely low income) - owner/agent must track

  • Name, date, time application received, bedroom size and reasonable accommodation.

  • 14 days, according to State Law 43-32-24.

  • True - unless there is a change in the TTP or utility reimbursement, then the 50059 must be signed by the tenant.

  • SDHDA/HUD approved version, available at Section 8 Forms, Manuals & Resources.

  • 5 years. The most recent five year period, until five years after the affordability period terminates.

  • 30 percent of their adjusted monthly income or market rent, whichever is less

  • Annual recertifications must be effective on or before (but not more than 30 days before) the occupancy anniversary date.

  • The HOME designated units may change within the development, as long as the total number of units are income qualified as stated in the HOME covenants.

  • No, only the HTC program.

  • 6 months

  • 21 years

  • False - if the household is under 140% of AMI, the household can transfer without recertification.

  • 120 days

  • False - The HUD model lease in HUD Model Lease of the 4350.3 Chg 2 must be used at Rural Housing Service’s (RHS) Section 515 projects that have Section 8 assistance. Exhibit 6-2 contains the lease provisions required by RHS. Owners will be responsible for ensuring that any RHS required provisions not already included in the HUD model lease are added to the lease as an addendum. The lease addendum must be reviewed and approved by HUD or the Contract Administrator, ensuring the addendum does not include provisions that conflict with HUD requirements or regulations.

Marketing/Fair Housing

  • 5 years or shorter if demographics change

  • Limited English Proficiency - it is Federal guidance to recipients and federal agencies stating that they are required to take reasonable steps to ensure meaningful access to their programs and activities to persons who have limited English proficiency.

  • Translating vital documents for each eligible LEP language group that constitutes 5 percent or 1,000, whichever is less, of the population of persons eligible to be served or likely to be affected or encountered

  • True - There must be a relationship between the person’s disability and his or her need for the animal.

  • False - In some cases no formal training is required for the animal to perform the disability-related assistance or provide the disability-related benefit needed by the person with the disability.

  • Actual moving expenses. The owner must state this in their written policies and procedures.

  • Maintenance staff, if they are not trained in fair housing, as they have the most interaction with the residents on property and in their units.

  • Newspaper, signage at the property, good curb appeal, local housing authorities, churches, social service providers, word of mouth, friendly staff, quick responses to inquiries/complaints

  • Priceless! These are the people that make your community work!

  • Approximately 70%

  • True - however, reasonable attempts to rectify a resident’s racist behavior toward another resident can insulate you from fair housing liability

  • False - Public Housing, Section 8 Voucher Programs, and owners participating in the Section 8 voucher and project-based programs must comply with this law. Full text of the law.

  • False - this is a reasonable MODIFICATION. A reasonable accommodation is a change in rules, policies, practices, or services so that a person with disability will have an equal opportunity to use and enjoy a dwelling unit or common space.

  • Reasonable accommodation for appeal hearing.

  • Yes.

  • Zero

Physical Reviews

  • 2 years. 90 and higher 3 years, 80-89 2 years, 79-less annually and 60 and below (Enforcement Center)

  • True, according to Change 2 of HUD Handbook 4350.3 REV-1

  • 1978

  • Walk the property, all the common areas and pick up any debris and note any corrections or infractions.

  • Educate your residents how to reset GFCI’s, garbage disposal, self cleaning oven, and thermostat

    Educate your residents on how to install batteries in smoke detectors

    Educate your residents on how to shut the water off in case of an emergency

    Explain to residents the need to report maintenance problems (like a leaky faucet or pipe) early to avoid emergencies and expensive damages.

  • Yes. They are your eyes and ears at your property and really are the only ones that know what the property needs first hand. They can save you money in the long run.

  • NEVER show a unit that is not ready. If you don’t have a rent ready unit, ask a tenant with a very nice apartment if you could show theirs.

  • It will save them time if they don’t have to track down tools when you need them.

    It is more expensive to purchase common materials as needed than to purchase them in bulk.

    If an inventory is maintained, you will have parts you need on hand to complete the repair.

  • Using proper maintenance procedures can save the property money

    Providing Fair Housing Training to them can help you avoid a lawsuit

    They can harm themselves or others if not properly trained

    • So you can be proactive with scheduling rather than always being reactive to problems; stop the crisis management syndrome!

    • You can prevent potential life threatening situations from occurring

    • It provides an audit trail of corrective maintenance, which in the event of a lawsuit, will reflect due diligence on the part of the owner

Wild Card

    • Place them in your memo book so you can refer to them later

    • Make sure you have implemented all of the suggestions/changes that are appropriate

    • Ask the appropriate SDHDA staff for clarification if needed

    • Research your issue in the 4350.3 Chg 2 before calling SD Housing

    • Check the RHIIP Guide on the HUD website for the answer

    • Attend Occupancy Training if you have not done so in the last 6 months

  • https://www.sdhousing.org/

    • It is free to the landlord

    • It is free to the tenants

    • It is updated regularly and only lists available units or properties that maintain a waiting list

    • You can list both assisted and conventional units on it

    • It is easy to use

  • Yes, however only after the owner has been given an opportunity to correct the problem, and hasn’t done so.