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Table of Contents

Chapter 1 What Is Section 8 ……………………………………

History of the Program …..…………………………

Goal of Section 8 ……………………………………

Regulatory Body ……………………………………

Chapter 2 Tenant Requirements ……..…………………………

Property Owner Requirements ...................................

Chapter 3 Payment Standards ......................................................

Applicant’s Subsidy ....................................................

Rent Calculation .........................................................

Chapter 4 Property Selection ......................................................

Chapter 5 Tenant Found ..............................................................

Subm itting For Tenancy and Unit Approval ..............

Chapter 6 Inspection Process ......................................................

Chapter 7 Lease and Contract Signing .........................................

Chapter 8 Evictions ......................................................................

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Chapter 1

The Section 8 Housing Choice Voucher Program is a federally funded program designed to e

- This marked the beginning of federally assisted housing in the United States.

- The first change to the program did not occur until now when Congress

provide housing to low income families. In order to better understand what the program is, wwill first need to address the history of the housing program. In the paragraphs to follow I will discuss the program from its inception, through it many changes to today’s current form.

1937

The US Housing Act was formed based on the US Constitution under Article 1,

Section 8, which states – to provide for the general welfare. The Housing Act

was part of President Roosevelt’s depression era legislation aimed at providing

jobs to the submerged middle class. Federal funds were used to construct the

housing units, and once completed managed and maintained by local public

housi ng agencies.

1961

amended the US Housing Act, thus creating the Section 23 Leased Housing

Program. This is the predecessor to our modern day program. Major changes

that came along with the new program was the first use of privately owned

properties. Although, the properties were privately owned the local housing

agencies continued to manage and maintain the units. The local housing agencies

signed a lease with the private owner, and subleased to the Section 23 tenant.

Another change to the program occurring at this time was the implementation of

tenant rent contributions.

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1974 - At this point in history the Section 23 program was amended to create

the Section 8 Rental Assistance Program. A lot of changes came along with this

new program. The first being the local housing agencies would no longer manage

or maintain the privately owned units. The subleasing that occurred with the

Section 23 program was also ended, and the tenants would sign directly with the

propert y owner. Qualified applicants were now permitted to go out into the open

housing market to find housing. Due to studies performed by the federal

government showing that substandard housing was no longer a problem, but the

high percentage of income being spent on housing. Tenants on the program were

now not permitted to pay more than approximately 30% of their adjusted gross

income on housing.

1999 - This was the inception of the program we currently use today, the Section 8

Housing Choice Voucher Program. The combination of the Rental Certificate

and Rental Voucher programs created this Housing Choice Voucher Program.

The local housing agencies were to become the most hands off they had ever

been prompting clear tenant and landlord guidelines to be defined.

The rules and regulations for the Section 8 Housing Choice Voucher Program are determined by the U.S. Department of Housing and Urban Development (HUD).

For the Section 8 Housing Choice Voucher Program to function the local public housing agencies must be able to contract with private owners who have decent, safe, and sanitary rental properties. Most must municipalities have a two month to a year long waiting list due to the shortage of eligible properties and willing property owners.

Chapter 2

In this chapter, we are going to first discuss what makes a tenant applicant eligible for the Section 8 Housing Choice Voucher Program. The first of the criteria we are going to look at is the gross annual income. This eligibility factor is separated into two groups: Extremely Low, which is 30% of the median income, and Very Low, which is 50% of the median income in a set locality. The creation of two groups is mandated by HUD. In accordance with HUD’s Rules and Regulations that govern the Section 8 program, not less than 75% of families admitted during the fiscal year from the waiting list shall be extremely low-income families. Below you see a chart showing the income eligibility levels in Dauphin County, PA.

$0$20,000$40,000$60,000

30% Income

50% Income

The next determining factor is also represented on this chart, and that is the number of persons in the family. The number of persons in a family is not closed to mother, father, and children. It can include a non-relative that requires assistance, an elderly grandparent that needs assistance, or even a grandparent that does not need assistance, but is part of the family unit.

The last eligibility factor we are going to look at is the applicant must be a United States citizen, or a non-citizen who has eligible immigration status.

Items that immediately make an applicant ineligible to receive a voucher are outstanding judgments for unpaid rent. If they have drug related or violent criminal charges within the last five years they are not eligible. If the applicant has been evicted while on the voucher program,

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or performed fraud against the PHA (Public Housing Agency) these would also make the applicant ineligible.

Now, I would like to look at what makes a property owner eligible or ineligible for the program.

First and foremost, the property must meet HUD guidelines regarding the property condition inspection that will be performed either before a tenant is found, or in most municipalities after a tenant is found. This inspection process will be discussed in a later chapter.

The property owner must have paid current all property taxes to include municipal, county, and school. Any utility that is municipal must all be paid current.

Just as in the case of the tenant, the property owner may not have been convicted in last five years of criminal drug charges.

Lastly, if you have performed fraud against the PHA, or violated a prior Housing Assistance Program Contract you are not eligible.

The property portion of eligibility is simply summed up to you must a have a safe and sanitary property that is in good tax and utility payment status.

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Chapter 3

Why implement the Section 8 Housing Choice Voucher Program into your buy and hold real estate investing strategy?

There are a few reasons that top the list, and guaranteed rental payments, premium rental payments, and units kept typically in better condition are just a few There will be no more chasing your rent money each and every month because it will come to you by way of a United States government check.

As far as premium rental payments go we will discuss that later in this chapter. In regard to units being kept in better condition than a private tenant this I feel is due to the repercussions that come with the Section 8 tenant. If a private tenant damages your property they can simply leave your property, and rent another property never noting you as a previous landlord. What are the repercussions from that tenant, none. With a Section 8 tenant if they cause damage, or are evicted from your property and you notify the PHA they will lose their voucher eligibility for five years. So, if this individual is in need of housing, and they do not obey your lease and respect your property they have no means of housing for five years. In my eyes this a pretty large deterrent.

Lastly, before I move on to the explanations of the above, I would like to mention the low turnover rate associated with Section 8 tenants. At this point there is no deadline on how long a tenant may remain on the program. If you ask property owners that are currently using this program their average tenant has been in their property for three to four years.

I will end the reasons why to implement this strategy with stating that the average market time of a Section 8 eligible property is four to six weeks including the property inspection process. As I stated earlier, 90% of all PHA Section 8 programs across the United States have waiting lists, or closed to new applicants. A sample of this is in Central Pennsylvania where housing agency case workers are pulling 250-400 applications every month to review for eligibility, these will become new tenants looking for housing. One Central PA city opened its application process for one day and received more than 500 applications that day alone.

What I will now explain is how we will recognize premium and guaranteed rent, while explaining the exact calculations the PHA will be using.

In the chart below you can see the difference between private tenant rental payments and a Section 8 tenant guaranteed rental payment in the Harrisburg, PA area.

$0.00$200.00$400.00$600.00$800.00

$1,000.00

Avg. Market Rent

Avg. Section 8 Rent

(These rental rates reflect the property owner paying water, sewer, and trash.)

The first item I will show you how to calculate is the subsidy an applicant receives from the PHA. The subsidy is the amount of assistance the applicant receives on a monthly basis. The maximum housing assistance that eligible families can receive under the voucher program is the difference between 30% of the net household income and the current payment standard. Their monthly housing expense may not exceed 40% of the net household income, this regulation was put in place in 1974, which we discussed earlier.

Let’s begin to calculate an applicant’s subsidy, and see how it works. I mentioned in the previous paragraph that we must use the current payment standard. The current payment standards are fair market rents as determined by HUD. The payment standards vary from one locality to another.

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The chart below reflects the payment standards for Harrisburg, PA as on January 1, 2009.

$558 $638$802

$1,012 $1,049$1,206

$0$200$400$600$800

$1,000$1,200$1,400

FMR

FMR

Now that we have the payment standards for our locality, which are available at your local housing authority we will need to determine the next factor of the subsidy. To do this we must calculate the applicant’s adjusted monthly income. The adjusted monthly income is derived from the applicant’s monthly income less applicable deductions. Applicable deductions are dependents, health care, etc... For example purposes we will be assuming the applicant is eligible for a three bedroom, and has an adjusted monthly income of $500, which is average for an applicant qualifying as an extremely low income family.

First calculation is determining 30% of the adjusted monthly income $150.00/mo.

We now use our payment standard chart for a three bedroom $1,012.00/mo.

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The subsidy is a simple subtraction calculation. Subtract the 30% of the adjusted monthly income for the payment standard. In this case the applicant would be eligible for $862.00/mo.

Payment Standard = $1,012

Adjusted Monthly Income = $150

Subsidy = $1,012 - $150 = $862

The next item is how the PHA will calculate if your property will fit this applicant’s requirements. The first item the PHA will look at when determining this is the monthly utility cost. Each locality has a document that specifies what utility cost will be used in this calculation. This chart assigns cost based on many factors. What type of heat system – gas, oil, coal, or electric. Type of property – detached, attached, or semi-detached. Number of stories, interior unit if it is attached, and many more property characteristics.

For this example, we will be using a property that is a semi-detached 3 bedroom unit with natural gas heat, cooking, and hot water. Using the utility chart for Harrisburg, PA below we will calculate the tenants monthly utility cost.

Heating $107.00/month

Cooking $13.00/m onth

Electric $43.00/m onth

Water Heat $34.00/m onth

Water $40.00/m onth

Sewer $25.00/m onth

Trash Collection $18.00/month

Total $280.00/month

At this point in the calculation we have determined all the factors we need to input to find if this property will fit for this applicant.

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The property rent and the utilities are totaled to find the applicant’s total monthly housing expense to make sure we do not exceed the 40% cap.

For this example the owner of this property is attempting to rent his 3 bedroom 1 bath semi-detached single family home for $850/month with the tenant paying all utilities.

Rental Payment $850.00/month

Utilities (which we previously calculated) $280.00/month

Total Monthly Expense $1130.00/ month

Subtract the applicant’s subsidy $862.00/month

Tenants Total Monthly Housing Expense $268.00/month

30-40% of applicant’s adjusted income ($150 - $200/month)

The projected tenant expense would exceed the 40% of the adjusted gross income, thus disqualifying this payment arrangement. This property can easily qualify if the property owner includes water, sewer, and trash in the monthly rental payment of $850. The total for water, sewer, and trash using the utility cost chart is $83/month. This would reduce the $268/month total monthly housing expense to $185/month now qualifying the property at these terms.

As stated in the beginning of this chapter I was going to show you how to recognize not only premium, but guaranteed rental payments. These are two great attributes any buy and hold investor looking to build true wealth could ask for.

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The property owner of the example property will realize not only the premium rent I stated they would, but in this example it will be 100% guaranteed government payment each and every month.

The average 3 bedroom 1 bath semi-detached single family home in Harrisburg, PA average monthly rent is $750 including water, sewer, and trash. I have just showed you how this owner will be receiving $850/month for the exact same property. This is an additional $100/month the property owner would be leaving on the table not using the Section 8 Housing Choice Voucher program. If the property owner is using an accelerated principle pay-down program that additional $100/month alone can take a 30 year mortgage to 20 years.

Better than the premium rent is that this rent payment will be a guaranteed rental payment. The $850/month this property owner is charging the applicant is less than the $862/month subsidy they are approved for, so the $850 each and every month will be delivered via United States government check, or even better direct deposit. The additional $12/month, or the difference between the $850 the owner is charging and the $862 subsidy is mailed to the tenant each month as a utility supplement.

With the guaranteed rental payment benefit I just explained the headaches involved with chasing rental payments were eliminated. I have now showed you how to eliminate this headache, and get paid additional rent to do so.

Although there are no HUD ceilings on the rents charged in the Section 8 Housing Choice Voucher Program, rents must still be reasonable and comparable to those charged for similar unassisted units. The PHA bases the determination of reasonableness and comparability on the unit inspection report and the rental market information. Hence the reason we want choice properties in choice areas ensuring we will receive the maximum rental payment. Being known by the PHA as a property owner who enrolls choice properties in a choice areas that have been rehabbed will guarantee when you turn other properties over to the PHA they will take preference over other property owners with substandard properties.

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Chapter 4

In this chapter we will discuss what properties are best suited for the Section 8 Housing Choice

y can be enrolled into the program and eligible once passing the Housing

to

r

r the

y characteristics that we need to look at when determining how to maximize

ill

ms

ze our return is the type of heating source we have in

Voucher Program. Choosing the right property is our first step towards success with the program.

Almost any propertQuality Standard Inspection although my recommendation is not purchasing, and enrolling substandard properties located in neighborhoods described as “war zones”. What you need be purchasing and enrolling into the program are choice properties in choice locations. You as the property owner will be receiving premium rent for even the best of neighborhoods, so why with that being the case would you want to own property in less than marginal neighborhoods. What we as buy and hold investors are looking for is a valuable asset that we can cash in on years down the road for a premium sale price. If you are using the premium rent you are receiving, and applying it to an accelerated principal pay down program you will be furtheahead as the owner of a great property in great neighborhood when it comes time for you to cash in on your asset. Besides that fact Section 8 tenants will be more interested in leasing aproperty in a neighborhood they feel safe to live in. These tenants are providing us as the property owner great benefits, and we need to maximize by providing a great product. Ovelast 12 months we have seen Section 8 tenants, like any tenant steering clear or those types of neighborhoods.

Some other propertthis strategy are the number of bedrooms. My recommendation when it comes to bedroom number is three to five bedrooms. The payment standard on a two bedroom is more than $200/month less than a three bedroom. This will weigh heavily in determining what you wbe able to charge in rent. The difference between a three bedroom and a five bedroom is minimal, but you can only use the payment standard associated with the number of bedroothe applicant is approved for by the PHA.

The last item we want to look at to maximithe property. As you saw above the monthly utility cost are put into the formula just the same as your monthly rental payment. When you review the monthly utility cost sheet provided by the PHA you will see that oil carries the highest cost. So, if you have natural gas or electric forthe heating you will recognize a higher possible rental rate. Oil on a three bedroom can put as much as $175/month, where natural gas is only $107/month. This difference of $68/month canmean you receiving $800/month and not $850/month or more.

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Chapter 5

Now that we have learned how the PHA calculates subsidies and rental payments, what makes

ket with

u can contact

r

eption

is the expiration date, and the number of dard

om

t.

aints

for a great Section 8 investment property, we must now look at the process of locating a prospective tenant, and getting them into our property.

When an applicant is found to be eligible by the Public Housing Agency (PHA) they are issued a Housing Choice Voucher, and the applicant begins their hunt for housing.

So, how is it best for us to reach these applicants. Advertising through the open marsignage on the property, newspaper classified, and online sites such as craigslist.com or backpage.com is one way, although most of those do carry an unneeded cost. My recommendation here is to go right to the source of the voucher. If you choose, yothe PHA, provide them with your name, contact information, and information about your rental unit or units, and they will provide applicants this information immediately after they receive their voucher. If an applicant has interest in your unit they will contact you to schedule an appointment to view your property. If you use a property manager they may also submit youproperty to the PHA. This is the best way to advertise your property to Section 8 tenants.

With the demand for Section 8 housing units you will begin to receive calls within one to two weeks of placing your property with the PHA.

When you have found a prospective tenant you as the property owner should use the due diligence in screening the Section 8 tenant as you would with private tenants with one excand that is reviewing the voucher.

What you need to be looking for on the voucher bedrooms the applicant is approved for. Remember this will determine what payment stanthe PHA will use when determining if the rental rate will fit that applicants criteria. Even though a tenant may be approved for three bedrooms they can still rent a four or five bedrounit from you, the PHA will just as stated calculate off the three bedroom.

The next items you as the property owner want to look at when screening this tenant are the same as a private tenant. They would include a personal interview with the prospective tenanThis is your opportunity to get a feel for what type of person the tenant may be. One rule I use, is if a prospective tenant does not look me in the eye I will think twice about renting to them. This may be a myth, but has held true for me. If the applicant provides you with previous landlord information we need to contact them regarding damage to their premise, or complfrom the neighbors, as well as their reference. Make sure that your tenant selection standards

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n

e the

using to the PHA along with a Request for

the o

HA must include the following:

‐ ame of the tenant

‐ nit rented (address, apartment number, and any other information needed to identify

‐ erm of lease

o itial term s

‐ mount of monthly rent

‐ tilities and appliances to be supplied by the property owner

‐ tilities and appliances to be supplied by the tenant

itting to the

are based on objective, business-related considerations. Tenant selection must not be based onrace, color, age, religion, sex, familial status, disability, or any other discriminatory factors. Remember here the PHA does perform background checks for criminal charges, financial judgments, and the applicant’s financial ability to afford the unit. The PHA does not screefamilies for their suitability as renters. That is your job as the property owner.

Once you have determined that you have found a tenant that you would like to offer your property to you must prepare the documents and information the PHA will need to approvrental arrangements.

You must submit a copy of the lease you will beTenancy Approval form (RTA). The RTA was provided to the applicant at the time they received their voucher. The RTA will be reviewed by the PHA to determine if the unit is correct size and the proposed rent is approvable, and tenants total monthly housing expenses dnot exceed the 40% limit.

The lease that you provide the P

‐ Name of the owner N Uthe unit) T

In

o Renewal term A U U

Some important additional items that must be included in the lease you are submPHA are:

15  

It must comply with state and local landlord tenant laws.

rity deposit. With regard to

tion of tenancy.

In the ,

The lease must also include information regarding the secuthe security deposit you may not be able to charge a full first month’s rent due to the tenant’s inability to pay this amount. This must be determined on a case by case basis.

The lease initial term must be for a term no less than one year, and you must address therenewal terms and if there is to be a rent increase after that initial term. You may increase the monthly rental payment at the end of the initial term, but you must provide the tenant and the PHA in writing 60 days prior to this increase.

The final item your lease must include is notice period for termina

forms section at the end of this manual you will find a sample lease, a copy of a RTAand a HUD Tenancy Addendum which is a document that must also be included when submitting. The lease must NOT be signed until the PHA has approved the tenancy.

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Chapter 6

This chapter is dedicated to the largest myth associated with the Section 8 program, and that is

take advantage of this opportunity and meet

D’s minimum Housing Quality Standards.

the unit inspection process. Once the Request for Tenancy Approval, the Lease, and the HUD Tenancy Addendum are received by the PHA you and the tenant will be notified of the date andtime of the Housing Quality Standards Inspection.

You as the property owner need to get out there and the inspector at the property and discuss different aspects of the inspection. This will help you learn more about the Housing Quality Standards, and how you can best prepare for future inspections. Do not be alarmed if the inspector finds items in noncompliance. This is to be expected, just chalk it up to inspector job security.

The inspection will be performed on the basis of HUThese standards have been implemented by HUD nationwide to ensure that all assisted units meet minimum health and safety standards. In the forms section you will find a copy of sample inspection form, and you can go to www.hud.gov where you will find a booklet issued by HUD titled “A Good Place to Live” which describes the general aspects of a unit that must be inspected for compliance with HQS.

At the time of inspection the individual areas of inspection will receive one of three ratings.

‐ eans the condition meets the minimum requirement

inspector to make a

on

tion does not meet the minimum requirement and must be ll

Pass – m

‐ Inconclusive – means that more information is needed for thedetermination. This finding will be noted if utilities are not on. You as the property owner need to make sure that all appliances you will be providing, and all utilities areat the time of inspection.

‐ Fail – means that the condibrought up to the standard before the tenant can receive rental assistance on the unit. Afail items must be corrected and approved prior to the execution of the Housing Assistance Payments Contract.

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he inspection that is performed will be broken down into eight areas that must be reviewed

‐

s used for living and halls

such as laundry room)

bing

ty

As previously stated you can find in the forms section a sample inspection form the inspector

Tand found to be in compliance. These areas are as follows:

Living room

‐ itchen K

‐ athroomB

‐ Other room

‐ Secondary rooms (not used for living,

‐ uilding exterior B

‐ Heating and Plum

‐ General Health and Safe

will be using, and you may also reference the “A Good Place to Live” booklet which can be found at www.hud.gov , but I will discuss a few important areas of inspection concern.

The first item of concern I will be addressing is paint. Due to the potential of lead based paint,

d

he next are of importance we will discuss is the windows. All windows accessible from the outside must have working locks. This includes windows to balconies and fire escapes. All

the inspector will put a great emphasis on paint condition. The exterior of the property cannot have any peeling, chipping, or cracking paint. All defective surfaces must be properly preparedand repainted with two coats of non-leaded paint. With regard to the interior of the property there can be no peeling, chipping, or cracking paint anywhere in the interior of the unit. This includes floors, walls, ceilings, steps, and all woodwork. This is one area you must be preparefor and be in compliance. Some localities require a multiple step follow-up if you are found in non-compliance, but only a few. This is area of inspection you as the property owner with a couple minute walk around can ensure your property passing.

T

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s at

tlet Cover Plates

aint

ts/Vinyl

in the Bathroom

ef Valve on Water Heater

Illuminate the Kitchen

storm windows, cracked indowpanes

Sticker on the Electrical Box or Missing Sockets or Evidence of ampering

rooms used for living must have windows (with the exception of the bathroom where properlyvented exhaust system will be adequate). All broken or cracked glass must be replaced or properly repaired. If the windows are designed to be operable, they must open and close. Windows must have blinds or equivalent, storm screens, and be weather sealed.

The last item to be addressed in this chapter is a list of the top things that regularly fail unitthe initial inspection:

‐ Nonfunctional Smoke Detectors

‐ Missing or Cracked Electrical Ou

‐ No Railings Where Required

‐ Peeling Exterior and Interior P

‐ Tripping Hazards Caused By Carpe

‐ Inoperable Bathroom Fans or No Ventilation

‐ Leaking Faucets or Plumbing

‐ No Temperature/Pressure Reli

‐ No Drip Leg on the Water Heater

‐ No GFI Within 6 Feet of Water

‐ No Rear Egress Light Switch to

‐ Window Condition: Missing sash cords, locks, shades orw

‐ No Inspection T

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the housing unit does not pass the initial inspection, you will be notified in writing of any ou

Ifitem that failed and given a reasonable time to make repairs. As I said early in this chapter yas the property owner want to be at this inspection even if you employ a property manager, so you understand what it is the inspector finds to be in non-compliance and they recommend you do to remedy the issue. When the repairs are complete, the PHA will verify that they have beenmade. The PHA is not responsible for any rental payments until the unit passes and you have signed a contract with the PHA, so do not move the tenant in until this process is complete.

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Chapter 7

At this point of the Section 8 Housing Choice Voucher Program approval process you will be

roperty owner will sign a Housing Assistance Payment Contract with the PHA.

now want to contact the

nts.

all of the above have been performed. The

stance and resides in the unit.

ment Contract.

In the law

payment amount is not covered by the tenants subsidy they will be

contacted by your local PHA once the lease you provided and the unit condition inspection are approved.

You as the pThis contract is between you and the PHA, and allows you to receive payment. In the forms section you find a sample Housing Assistance Payment Contract.

Once the Housing Assistance Payment Contract is signed you will tenant, and schedule an appointment to sign the lease. At the time of lease signing you also want to have a pre-move-in property inspection report that you use with your unassisted tenaAside from this inspection report you will also have the inspection report created during the HQS inspection performed by the PHA inspector.

The PHA will begin making payments to you after PHA will mail or direct deposit your payment on or about the first of each month, and will continue to make payments as long as the following conditions are met:

The unit continues to meet HQS.

The tenant remains eligible for assi

The owner remains in compliance with the Housing Assistance Pay

rare case the PHA fails to make timely payment, it may be obligated by state or localto pay a late fee.

If the entire rentalresponsible to make that difference in payment directly to you, the property owner. It is your responsibility to collect this portion of the rent not the PHA’s.

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Chapter 8

In this final chapter we will discuss evictions and how they are to be handled when renting to a

Assistance Payment Contract that runs congruent

nassisted tenant is that a copy of all notices,

l you may not terminate the lease for no good cause during the

to perform annually if

and

n-

s opened your eyes to the great opportunities that exist for you as a

Section 8 Housing Choice Voucher tenant.

During the term of the lease and the Housingwith the lease, the property owner must perform evictions as per your state’s landlord tenant law. The process by which you proceed is the same as an unassisted tenant. If your state requires you must notices be posted, you post them, if they require you file a landlord tenant complaint with the District Justice, file it.

The only step that is not associated with an udocuments, and filings must be provided to the PHA in a timely manner. I recommend the same day you perform them.

As I stated earlier in this manuainitial lease term, due to the fact you are under contract with the PHA.

The final item I wanted to discuss with you are the items you will need you opt to continue to stay enrolled in the Section 8 Housing Choice Voucher Program.

Your unit must have an annual inspection. You will be notified by the PHA with the datetime of the inspection. Once again, get out there and be involved in the inspection process. This is a great time to determine any damages caused by the tenant beyond normal wear and tear, and have them documented by yourself and the inspector. If items are found to be in nocompliance adequate time will be provided for you and the tenant to make the needed repairs.

Your tenant annually will also be reviewed by the PHA to verify if there is a change in their level of assistance.

I hope this manual haproperty owner, and cleared up any misconceptions you may have had about the Section 8 Housing Assistance Program.

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