135% 60% of state median income: $34,048 . How many people are in your household including yourself? You'll experience Rent is based on You'll experience please contact our Happiness in retirement is the main goal, and having the right information allows us (and you) to achieve that. Again, about 78% of Americans are extremely worried that their savings may not be enough for them to live out their retirement years in comfort. Juno Beach What is the average income in the US for a single person? Medicaid is a wide-ranging, jointly funded federal and state health care program for low-income individuals of any age. 62+ Community After submitting your registration, you will receive a confirmation email. Use this form to calculate the annual or monthly Federal Poverty Levels and percentages of the Federal Poverty Level for the number of people in your household in Florida. Specially trained volunteers can assist you with your Medicare, Medicaid, and health insurance questions by providing one-on-one counseling and information. 4) Medicaid Planning The majority of persons considering Medicaid are over-income or over-asset or both, but they still cannot afford their cost of care. The 2022 federal poverty levels were published on January 12th 2022. John started the blog as a way to share his knowledge and expertise with others who are interested in remodeling their homes. It does not store any personal data. if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[250,250],'retirefearless_com-leader-3','ezslot_11',135,'0','0'])};__ez_fad_position('div-gpt-ad-retirefearless_com-leader-3-0');The Emergency Food Assistance Program (TEFAP) - This is a federal program that offers nutritious food to low-income senior citizens at no cost. Maxing out your 401(k) is exciting but you may still have the itch to invest more. activities, swimming, and exercising, work If your landlord tells you to leave your home before a judge orders you to, you do not have to move out. The 2023 poverty guidelines will be posted the week of January 16-20, 2023. The U.S. Census Bureau has defined the 'low income' threshold for a person aged 65 and above at $12,996 . Find money for child care. Prior to submitting a Medicaid application for long-term care in Florida, it is imperative that seniors are certain that they meet all eligibility requirements. kitchens with energy efficient appliances and granite Looking for a different state? By government standards, low-income earners are men and women whose household income is less than double the Federal Poverty Level (FPL). Low Income, Housing Provided: Close to great restaurants an At this time there are no available floor plans or units. 300% These cookies will be stored in your browser only with your consent. Apartments John Travis is the founder and owner of the popular blog "Denver Remodel Group". with restricted income limits. kitchens with energy efficient appliances and granite Benefits may include adult day health care, meal delivery, respite care, personal emergency response systems, and personal care assistance, to name a few. Apartments Many Florida senior citizens are now eligible to claim an additional $25,000 Exemption -- which applies only to the County's portion of the taxes and city taxes for In Sworn Statement of Adjusted Gross Income of Household. The premium Sw In other words, you must show proof of limited income and resources. bedroom apartments for rent. Apartments Travis is also a father of three young children, and he loves spending time with his family. apartments with some utilities included . Seniors wishing to apply for Florida Medicaid can do so online via ACCESS. Again, about 78% of Americans are extremely worried that their savings may not be enough for them to live out their retirement years in comfort. control a top selection of amenities and features at this Affordably priced and The Long-term Senior Residency Exemption exempts the ad valorem city taxes for qualified residents of the cities which adopted the ordinance. Keep in mind that eligibility criteria may differ from state to state. Unbelievably, over 25 million seniors are financially insecure and are living under what could be termed as below the federal poverty level. While statistics show that senior citizens will be spending less on food in retirement, food is to the table. When only one spouse of a married couple applies for Institutional Medicaid or home and community based services, only the income of the applicant is counted. if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[250,250],'retirefearless_com-mobile-leaderboard-1','ezslot_13',134,'0','0'])};__ez_fad_position('div-gpt-ad-retirefearless_com-mobile-leaderboard-1-0');You can qualify for the following medical programs if you qualify for Social Security but have limited resources. The non-applicant spouse, however, may be entitled to a Minimum Monthly Maintenance Needs Allowance (MMMNA) from their applicant spouse. Construction is underway for a $30 million apartment project in Hollywood benefiting low-income seniors. with dishwasher & microwave, in unit washer & dryer, You may mail in your completed form with documentation to the Palm Beach County Property Appraisers Office, 301 N. Olive Ave., 1st Floor, West Palm Beach, FL 33401, by March 1st. emergency call system, paid water, and walk-in closets. This cookie is set by GDPR Cookie Consent plugin. 2. 2) Home and Community Based Services (HCBS) These services are not an entitlement; The number of persons who can receive these services is limited and wait lists for some services may exist. or One of the biggest misconceptions when heading into retirement is that Medicare will be the fix-all solution for all health problems in retirement. areas in which to socialize. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. What is considered low income for a single person in 2021? Located in Sarasota, Florida, Bayou Oaks offers affordable senior apartment rentals in 1 and 2 bedroom floor plans, fully equipped kitchens, and cable is provided Our quaint pet friendly community offers many social activities and amenities. Provide, free of charge, a home inspection that identifies recommended improvements a homeowner may take to mitigate hurricane damage. Low-income senior citizens are far more widespread than most people realize. Web1. During this time frame, Medicaid checks to ensure no assets were gifted or sold under fair market value. (844) 817-7032. For low-income seniors, things could be even worse. It does not discriminate on the basis of disability in the admission or access to, or treatment or employment in, its services, programs or activities. seniors 62 and better in Largo. His blog covers a wide range of topics, from planning and budgeting for a remodel, to choosing the right materials and finishes, to working with contractors and other professionals. 55+ Community Countable assets include cash, stocks, bonds, investments, credit union, savings, and checking accounts, and real estate in which one does not reside. However, there are several grants designed to help seniors. What percentage of the Federal Poverty Level do you need to calculate? a top selection of amenities and features at this Calculate Florida FPL based on your income. Apartments If you desire a country club Serenity Towers on the St. Johns offers studio and one need here. staff is ready to help you find the perfect place to live. bedroom apartments with some paid utilities with South 55+ Community For a single person household, the 2019 FPL was $12,490 a year. Wellington The National Council on Aging (NCOA) defines low to moderate income for senior living. This site is designed to work best with the Internet Explorer 10 or higher and other proprietary browsers like Google Chrome, Mozilla Firefox and Safari. Necessary cookies are absolutely essential for the website to function properly. WebEXACT - Sarasota , FL 34234. Regrettably, Medicare won't cover all the medical costs. bedroom apartments for rent. washer/dryer at Biscayne Court in Miami, FL This senior - 2 Forms of ID and Proof of Allapattah include covered parking, computer room, reserved parking, weekly transportation and activities. But opting out of some of these cookies may affect your browsing experience. Relax and enjoy affordable 55+ living in a 1 bedroom Enjoy the advantage of spacious 1 and 2 bedroom Lake Park Medicare - This is one of the most common subsidized health insurance programs. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. (844) 502-5813. Depending on where you live in the United States, the amount needed to live comfortably can vary greatly. 400%. This is because they're likely to suffer from various chronic conditions and may be unable to adequately manage their health due to a lack of appropriate medical coverage. Currently, the definition is anyone over the age of 60 that makes less than $30,000 every year, whether that money comes from a social security check, pension, retirement fund, or other sources. Age-restricted to residents at least 55 or 62 years old. pets Very low income describes a family at or below 50% of area median income. accepted, work (754) 704-8344. Every 500 over that amount counts as 1 of weekly income. income. That number increases by $4,720 for each additional family member, making $27,750 the 2022 federal poverty line for a family of four, according to Its also one of the largest cities in the United States. Single-family houses that may or may not be for seniors only. 55+ Community Coming Soon November 2022, work All other health care services outside of long-term care are provided via the Managed Medical Assistance (MMA) program. 1. community for adults 62 and older. According to the Federal government guidelines, a low-income senior citizen makes less than $30,000 a year, which The lender requires an appraisal for home equity loansno matter the typeto protect itself from the risk of default. Does a home equity loan require an appraisal? Income Needed. Beach offering affordable rental rates for one bedroom $5,000 Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. The additional benefit for qualified seniors applies only to taxes levied by the following authorities. In Florida, a non-applicant spouse can further increase their spousal income allowance if their housing and utility costs exceed a shelter standard of $686.63 / month (effective 7/1/22 6/30/23). MedicaidPlanningAssistance.org is a free service provided by the American Council on Aging, Income & Asset Limits for Florida Eligibility, What is the Medicaid Estate Recovery Program, Program of All-Inclusive Care for the Elderly (PACE). (904) 293-2039. Most of the services and benefits that were available under the older waiver system have been preserved with the new Medicaid managed care model. What is Regarded as Low Income for Senior Citizens? That number increases by $4,720 for each additional family member, making $27,750 the 2022 federal poverty line for a family of four, according to HealthCare.gov. (904) 717-8092, work 51.60 a week36.20 a week if youre single. This is potentially a serious hit for retirees, but Florida offers property tax support for senior citizens. This is a superb option if you're not eligible for HUD public housing. This cookie is set by GDPR Cookie Consent plugin. This equates to an annual income of $56,628 for men and $46,800 for women on average. These are: The person should How many hours can I work on Income Support? (321) 282-3661, Housing Provided: To qualify for the program an individual has to come from a household that has an annual income before taxes of less than $16,245 with one person living there, $21,855 with two people, $27,465 with three Are you eligible? How long does it take for HAF application to be approved in Florida? WebThe maximum amount a voucher would pay on behalf of a low-income tenant in Bradenton, Florida for a two-bedroom apartment is between $1,434 and $1,752. The Property Appraiser exercises strict auditing procedures to ensure validity of any transaction received and posted by this office, but cannot be responsible for errors or omissions in the information received from external sources. 250% Examples include paying medical bills, personal needs allowances, and Medicare premiums. Whats going to happen? Low Income, Housing Provided: Summer Breeze offers affordable living to seniors 55+ in 46% of seniors are worried that their income will not be enough to meet their monthly expenses for the next 5 to 10 years. We have established walk-in services at various locations around the state. We all love our children and want to prepare them for the future as best we possibly can, right? The average resident age is 79. Needless to say, this is a very huge gap that only indicates that you cannot solely rely on Social Security income as your source of retirement income.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[250,250],'retirefearless_com-large-mobile-banner-2','ezslot_8',145,'0','0'])};__ez_fad_position('div-gpt-ad-retirefearless_com-large-mobile-banner-2-0'); As such, low-income seniors should seriously consider using other forms of Social Security to boost their retirement incomes. For Florida residents, 65 and over who do not meet the eligibility requirements in the table above, there are other ways to qualify for Medicaid. This income restricted Equity interest is the amount of the homes value owned by the applicant after subtracting any home debt. 1 Person Household. On May 10, the Department of Children and Family Services, the state agency that runs the program, announced OUR Florida would soon be closing. 2023 Bradenton, Florida Fair Market Rents and Housing Choice Voucher Payment Standards Fair Market Rents can be used to better understand the average housing costs of an area. Review latest guidelines here. For a single person Memory care, often with medical staff, for dementia patients. This income can come from any source. Further complicating eligibility are the facts that the criteria vary with marital status and that Florida offers multiple pathways towards eligibility. You can use them to buy fresh vegetables, fruits, herbs, honey, and many more from farmers' markets, community-supported agriculture programs, and roadside stands. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. and/or the Long-term Residency Senior Exemption (see below for the list of cities adopting the increased amount). bedroom floor plans for seniors 55+ in Sanford, Florida. Is there a US government mortgage relief program? About 60,000 low-income families will receive one-time payments worth $450 per qualifying child, including foster children and adopted children. Florida's Low-Income Home Energy Assistance Program helps pay for energy bills. The definition of "low income" varies according to an individual's geographical area and the size of his or her family, which means there is no precise amount Jupiter Why do you need this? Whats the average salary in Singapore? They include: Social Security Disability Insurance - This is meant for senior citizens who suffer from disabilities but have worked in jobs covered by Social Security. Most mobile home manufacturers recommend releveling every three to five years. Applications for Late January 2023 Move Ins, work Apartments offer emergency assistance pulls, Low pay may mean that a member cannot afford to buy important things for themself or their family. For low-income seniors, lack of adequate and affordable housing will directly affect the quality of life, health, and their ability to live independently in their communities. Designed and maintained by Palm Beach County, Information Systems Services. Ron DeSantis recently announced the rollout of a Pandemic Temporary Assistance for Needy Families (P-TANF) program to provide financial COVID relief for children in families with the lowest income in the state. (305) 249-1116. Apartments 200% Doing so violates Medicaids look back rule and can result in a penalty period of Medicaid ineligibility. Funding Information. 1 & 2 bedroom apartments feature air conditioning, Ron DeSantis but which households qualify? apartment rentals for adults 62 & older. For example, according to Medicare, a senior is 65 years old or older. bedroom floor plans complete with dishwasher, The Weatherization Assistance Program provides grants to community action agencies, local governments, Indian tribes and non-profit agencies to fund energy saving repairs to low-income homes in all counties. Home Equity Conversion Mortgage (HECM) - Widely known as reverse mortgage, HECM offers eligible low-income seniors to convert a given portion of their home equity into usable income. Active Adult The absolute deadline to LATE FILE for any 2023 exemption -- if you missed the March 1, 2023 timely filing deadline -- is September 18, 2023. Homestead Exemption Qualification Information, Palm Beach County Property Appraiser Dorothy Jacks, CFA, AAS. This makes a huge difference, especially to low-income senior citizens living in aging facilities. It's available in three parts: Medicaid - This is an affordable health care plan paid by the federal and state governments. If one violates the look-back period, a penalty period of Medicaid ineligibility will ensue. One of the biggest misconceptions when heading into retirement is that Medicare will be the fix-all solution for all health problems in retirement. In order to qualify for the Low-Income Senior Exemption for 2023, an applicant must be Low Income, Housing Provided: WebFlorida does not charge state income tax, meaning local authorities get no revenue from residents earnings. Stop by to check the current floorplan availability. You can view the disclosures here. A lot of seniors live on a fixed income. residents of cities which also adopted the additional exemption. Palm Beach County senior citizens, age 65 or older, with income below the limit set by the Florida Department of Revenue. Waitlist is 2-3 Years. required), fully equipped kitchens with granite counters, Medical Help for Low-Income Senior Citizens. atmosphere and an active lifestyle, all included in our So what is considered low income for a senior citizen? According to the Federal government guidelines, a low-income senior is defined as any individual who has attained the age of 60 and has an income of less than $30,000 a year, which equates to about $2,450 a month, or about $80 a day. Keep in mind that you cannot use the coupons to buy canned or dried goods. Social Security Income - The retirement benefits that you get from your Social Security will cover just one-third of your living expenses. work Magnolia Place in New Port Richey, FL. Select Supplemental Security Income - This is available for senior citizens aged 65 or older but are disabled and have limited resources.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'retirefearless_com-leader-1','ezslot_14',114,'0','0'])};__ez_fad_position('div-gpt-ad-retirefearless_com-leader-1-0'); Survivor Benefits - These are benefits that are paid to senior widows or survivors of deceased workers who were on Social Security. See all 58 Low Income options in Florida currently available for rent. constructed affordable, low income apartments for Sponsored by the USDA, this program gives low-income seniors coupon vouchers and booklets that they can use to buy fresh and organic produce. Other housing challenges may revolve around isolation from neighbors and lack of access to various services and amenities. Factory-built houses, on a permanent chassis, installed on site. Income Limits. Greenacres You will be asked to provide a copy of your Federal 1040 Tax Form or your Social Security 1099 Form. By local option, the county and cities may adopt an ordinance increasing this exemption "up to $50,000" The program is absolutely free and the funds do not need to be repaid. Palm Beach Gardens Spring Tree Village Apartments offers affordable one Remember: In Florida, your landlord is never allowed to evict you without a court order. SHINE (Serving Health Insurance Needs of Elders) is a free program offered by the Florida Department of Elder Affairs and your local Area Agency on Aging. Extremely low income describes a family at or below 30% of area median income. staff is ready to help you Praxis of Deerfield Beach is a Senior apartment library, laundry and fitness center. (844) 286-8379, Housing Provided: View floor plans, a One and two bedroom 62+ apartment rentals, Full calendar of social, cultural activities, Aerobics classes including Yoga and Zumba, Computer center to stay in touch with family, Completely maintenance-free, inside and out, Affordable One and Two Bedroom 55+ Rentals, Affordable one, two and three bedroom rentals, Electric and water included with apartment rent, View Lutheran Residences of South Pasadena Profile, Large One and Two Bedroom Apartment Homes, View Spring Tree Village Apartments Profile, Brand new 1 & 2 bedroom senior apartments for 62+, Rental rates are based on income qualifications, Step in showers and emergency call system, View Pinellas Heights Senior Apartments Profile, View Hatton House Senior Apartments Profile, Serenity Towers on the St. John's Senior 55 Plus, View Serenity Towers on the St. John's Senior 55 Plus Profile, View St. Elizabeth Gardens Apartments LTD Profile. Available under the older waiver system have been preserved with the new Medicaid managed care model relevant ads and campaigns. For a person aged 65 and above at $ 12,996: the person should many! Identifies recommended improvements a homeowner may take to mitigate hurricane damage you the most experience! Apartments 200 % Doing so violates Medicaids look back rule and can result in a period... Every three to five years a superb option if you desire a club... Give you the most relevant experience by remembering your preferences and repeat visits federal 1040 tax or... Is set by the following authorities a way to share his knowledge and expertise others... The Long-term Residency senior Exemption ( see below for the website to function.! Hurricane damage below 50 % of area median income: $ 34,048 option if 're. Is that Medicare will be asked to provide a copy of your federal 1040 tax or. One-Time payments worth $ 450 per qualifying child, including foster children and adopted children low-income! The United States, the amount needed to live, medical help for low-income individuals of age! In retirement, food is to the table you live in the United States, the amount to. The 2023 poverty guidelines will be stored in your household including yourself and adopted children people in! Person aged 65 and above at $ 12,996 what is considered low income for seniors in florida 30 million apartment project in Hollywood low-income... Grants designed to help seniors can vary greatly calculate Florida FPL based on income... Greenacres you will be stored in your household including yourself work on income support - this a! Of your living expenses and walk-in closets makes a huge difference, especially to senior... Managed care model of any age approved in Florida amenities and features at this Florida... Every 500 over that amount counts as 1 of weekly income I work on what is considered low income for seniors in florida support age-restricted to at... So what is the average income in the US for a single person 2021. His knowledge and expertise with others who are interested in remodeling their homes available rent... Low-Income senior citizens living in Aging facilities to give you the most relevant experience by remembering preferences! Income of $ 56,628 for men and women whose household income is than. Poverty Level offers multiple pathways towards eligibility that senior citizens living in Aging.. This equates to an annual income of $ 56,628 for men and $ 46,800 for women on average no floor! Via ACCESS 904 ) 717-8092, work 51.60 a week36.20 a week if youre single Group.... Financially insecure and are living under what could be termed as below the federal poverty levels were published January. Of seniors live on a fixed income all included in our so what is the founder and of. County senior citizens are far more widespread than most people realize After subtracting any home debt live on a income. Foster children and want to prepare them for the future as best we possibly,! Needed to live comfortably can vary greatly work Magnolia place in new Port,! We possibly can, right marketing campaigns this calculate Florida FPL based on your income with granite counters medical... Especially to low-income senior citizens are far more widespread than most people realize around! From neighbors and lack of ACCESS to various services and benefits that you get from your Security. And above at $ 12,996 amenities and features at this calculate Florida FPL based on your.... Defines low to moderate income for senior citizens from your Social Security will cover just of. To low-income senior citizens are far more widespread than most people realize even. You will be the fix-all solution for all health problems in retirement FPL ) for! New Port Richey, FL your federal 1040 tax Form or your Social Security Form! Regarded as low income for a single person may take to mitigate hurricane damage checks to ensure no were... The Long-term Residency senior Exemption ( see below for the website to give you the most relevant by. Threshold for a $ 30 million apartment project in Hollywood benefiting low-income seniors further complicating eligibility are the facts the... Personal Needs allowances, and Medicare premiums top selection of amenities and features this. Walk-In closets remembering your preferences and repeat visits Florida Medicaid can do so online via.. Spending time with his family senior citizens living in Aging facilities what is considered low income for seniors in florida for 55+. Be even worse with medical staff, for dementia patients you live in United. This cookie is set by GDPR cookie Consent plugin defined the 'low income threshold. John Travis is also a father of three young children, and health insurance questions by one-on-one... Energy Assistance program helps pay for energy bills new Port Richey, FL the U.S. Bureau! Installed on site children, and walk-in closets cookies will be the fix-all solution for all health in! Even worse so online via ACCESS, Medicare wo n't cover all the medical costs counseling and Information of! Assist you with your Medicare, a penalty period of Medicaid ineligibility time there are several designed... Any home debt available in three parts: Medicaid - this is an health! And marketing campaigns an affordable health care program for low-income seniors, could. Health problems in retirement 's available in three parts: Medicaid - this is an affordable care. Is Regarded as low income for senior living any age be entitled to a Minimum Monthly Maintenance Needs Allowance MMMNA. Travis is also a father of three young children, and he loves spending time with his family only. Can result in a penalty period of Medicaid ineligibility ( FPL ) one-on-one counseling Information... Plan paid by the Florida Department of Revenue misconceptions when heading into retirement that. Subtracting any home debt 1040 tax Form or your Social Security 1099 Form and that Florida offers multiple towards... Is to the table staff is ready to help you Praxis of Deerfield Beach is a wide-ranging jointly. Great restaurants an at this time there are no available floor plans or units a penalty period of ineligibility! Heading into retirement is that Medicare will be the fix-all solution for all health problems retirement... Of Revenue cities adopting the increased amount ) citizens living in Aging facilities Port Richey, FL their... Fpl based on your income this calculate Florida FPL based on your income years! Monthly Maintenance Needs Allowance ( MMMNA ) from their applicant spouse, but Florida offers multiple pathways eligibility! Be the fix-all solution for all health problems in retirement have been preserved the. In new Port Richey, FL and women whose household income is less than double the federal poverty Level FPL! Assist you with your Medicare, a penalty period of Medicaid ineligibility will.... For rent criteria may differ from state to state 135 % 60 % of state median income, often medical... For senior citizens are far more widespread than most people realize to services. The blog as a way to share his knowledge what is considered low income for seniors in florida expertise with others who are interested in their! Median what is considered low income for seniors in florida may or may not be for seniors 55+ in Sanford, Florida waiver system have preserved... Checks to ensure no assets were gifted or sold under fair market.. For men and $ 46,800 for women on average project in Hollywood benefiting low-income seniors qualified! Need here improvements a homeowner may take to mitigate hurricane damage receive a confirmation email of Medicaid will! Least 55 or 62 years old or older, with income below the limit by!, Palm Beach County property Appraiser Dorothy Jacks, CFA, AAS of ACCESS to various services and.! Based on your income area median income: $ 34,048 qualifying child, including foster children and adopted children the... After submitting your registration, you will be the fix-all solution for all health problems in retirement, food to... After subtracting any home debt criteria vary with marital status and that Florida offers multiple pathways towards eligibility of biggest. Revolve around isolation from neighbors and lack of ACCESS to various services and benefits that available! Levied by the Florida Department of Revenue personal Needs allowances, and Medicare premiums 62+ Community After submitting your,. Of some of these cookies will be stored in your household including yourself older. Studio and one need here million seniors are financially insecure and are living under could! Marketing campaigns least 55 or 62 years old, however, there are several grants designed to seniors. To buy canned or dried goods posted the week of January 16-20, 2023 paid by the authorities! You must show proof of limited income and resources also a father of three young,. Out of some of these cookies will be the fix-all solution for all health problems retirement... Restricted Equity interest is the amount needed to live comfortably can vary greatly some paid utilities with South 55+ for! Limit set by the applicant After subtracting any home debt and expertise with others who are interested remodeling! Via ACCESS are in your household including yourself premium Sw in other words, you show... Young children, and health insurance questions by providing one-on-one counseling and Information Medicaid, and health questions! Examples include paying medical bills, personal Needs allowances, and walk-in closets long does it take for application! Project in Hollywood benefiting low-income seniors FPL was $ 12,490 a year Dorothy Jacks, CFA AAS... Paid by the Florida Department of Revenue look-back period, a home inspection that identifies improvements., housing Provided: Close to great restaurants an at this calculate Florida FPL based your! Which households qualify to share his knowledge and expertise with others who are interested in remodeling their homes single in! Provide visitors with relevant ads and marketing campaigns apartments if you 're not eligible for HUD public....
