About Our Multifamily Housing Programs

Our Multifamily Housing Developments   

How to Determine if You Are Eligible to Participate

Applying for our Multifamily Housing

Tenant Related Multifamily Housing Documents

Section 8 Project Based Rental Assistance (PBRA)

The Project-Based Section 8 Rental Assistance is a government-funded program that provides affordable apartment communities that are owned and managed by private landlords with a rental subsidy that helps pay the rent for low income tenants. Called the Total Tenant Payment (TTP), program tenants pay either 1) 10% of their monthly income (gross income minus exclusions), 2) 30% of their monthly adjusted income (gross income minus exclusions and deductions) or 3) a minimum rent of $25. The subsidy stays with the building; when you move out, you no longer have the rental assistance.

How do you know if you are eligible to participate in this program?

Step 1: Confirm that you meet the basic qualifications

Applicants must be at least 18 years old, and a United States citizen or noncitizen who has eligible immigration status. Single persons are eligible, as well as households with or without children. HUD commonly refers to a household as a “family,” so don’t let that term confuse you. A “family” consists of one or more persons, and having children is not required to be considered a “family.” However, single persons are not permitted to occupy an apartment unit with two or more bedrooms. If a Project-Based Section 8 property does not have any one bedroom units, a single person household would not qualify.Eligible immigration status includes a lawful permanent resident; registry immigrant; refugee or asylee; conditional entrant; parolee; withholding grantee; person granted 1986 amnesty status; resident of the Marshall Islands, Micronesia, Palau, and Guam; victim or relative of a victim of trafficking.

Step 2: Calculate your household’s income

A household’s gross annual income is used to determine eligibility for occupancy, which is the total amount of money earned by all adult members of the household. The household must make less than 60% of the Area Median Income (AMI) of the area they are applying to. This is referred to as the income limit, and the amount increases for each additional member of the household (including children). The income limit for the Cumberland and Allegany County area can be found on our Home page.  The income limits for this program are in the chart titled “Section 8 PBRA/Multi Family & LIHTC.”  There are many possible adjustments to a household’s gross income including exclusions (like the income of household members under 18) and deductions (unreimbursed medical expenses). Because determining income is so complex, we recommend you contact each property to determine if you are eligible and what your rent will be.

Step 3: Determine if there are any restrictions

A Project-Based Section 8 community may be reserved for elderly or disabled tenants.

Step 4: Be aware of common factors that may disqualify an application

Applicants will have to submit to a credit report. An applicant is not required to have good credit, but a poor credit report may make you ineligible. Credit decisions are made on a property by property basis and depending on the geographic area and financial standards of each property owner, your credit requirements can be very different for each apartment property you apply to.The household’s rental history is also taken into consideration. A list of prior landlords will be required, including the address of the property and landlord contact information. In addition, the property manager may contact previous landlords for a reference. If you have a poor track record as a tenant at other properties, you could be at risk of being rejected as a qualifying tenant. Always try to keep a good relationship with every landlord and never leave a lease on bad terms.A criminal background check will be required, as well. Having a criminal record may make it difficult for a person to be approved for housing, but it does not automatically disqualify them. A person with an arrest record, but no conviction, has a greater chance of qualifying over someone who has been convicted of a crime. Each property operates differently, but may allow persons with a criminal record to qualify based on the length of time since the offense occurred, and the severity of the crime. Persons on any state lifetime sex offender registry are ineligible as well.

Low Income Housing Tax Credit (LIHTC)

The Federal Low-Income Housing Tax Credit was created by the Tax-Reform Act of 1986 and extended by the revenue Reconciliation Acts of 1989 and 1992 in order to encourage the private sector to invest in the construction and rehabilitation of housing for low- and moderate-income families. The law gives states an annual tax credit allocation based on population and is administered by the Federal Internal Service (IRS) in accordance with Section 42 of the Internal Revenue Code.

The Low-Income Housing Tax Credit (LIHTC) program helps create affordable apartment communities with lower than market rents by offering tax incentives to the property owners (not the tenant renting the unit). Properties may contain market rate units that are not financially assisted, in addition to reduced rent LIHTC units under a tiered rent structure. A tiered rent structure means that it’s possible for the same unit to have different rent amounts for occupants with different incomes.  LIHTC units may also have a rental subsidy program attached to them, such as the Project-Based Section 8 program.

Our LIHTC properties have tiered income limits where some units may be reserved for families earning 60% or less of the AMI and other units are set aside only for families earning 40% or even 30% of the AMI.

Applying for our Multifamily Housing Developments (the following documents make up an application packet and must all be submitted in order for the application to be processed)

Application for Occupancy

Applicant Screening Consent Form

Declaration of Citizenship – 214 Status Form

Race and Ethnic Form

HUD Multifamily 9887 Release of Information Form

Tenant Documents

Due to our Multifamily Housing having two sources of funding, we are required to perform periodic re-examinations whereby we perform income verification and other types of verifications for both programs and there are slight variances between the two.  There are several documents which are required to be executed by the tenant upon initial entry and some at each annual renewal or interim change.  These documents are a part of the official tenant file and a copy of each is provided to the tenant.  Listed below are a copy of the blank documents.

How Your Rent is Determined

Resident Rights and Responsibilities Brochure

Multifamily PBRA Lease

Addendum #1        Multifamily Participation

Addendum #2        Partnership Rental Housing (PHRP)

                                   PHRP Exhibit A Tenant Contributed Services

Addendum #3        Housing Trust Fund Regulatory Agreement

Attachment #1

Attachment #3       House Rules

Attachment #4        Violence Against Women Act

Attachment #5         Lead Based Paint Disclosure

Attachment #6         Pet Ownership

Attachment #7         Live-In Aide Agreement