The time is now for relevant and strategic “outside the box” solutions that will effectively deal with major issues impacting us all. Below are relevant issues that must be addressed and bold actions taken to make Oceanside a better place we all want to live!
Let's face it, Oceanside is growing and our population soon will push 200,000. The improving of local streets, sidewalks and infrastructure is long over due. The problem that Oceanside has faced is coming up with the funds to make necessary improvements. Our City leaders must work hard to develop ways to create funding for this important infrastructure. Without more roads and improvements to current transportation routes, our problems will only get much worse.
“Agriculture is our wisest pursuit, because it will in the end contribute most to real wealth, good morals, and happiness.”
- Thomas Jefferson
"My first duty and highest obligation is to Oceanside’s Public Safety."
Public safety accounts for over 60% of Oceanside general fund budget. I'm working hard to get more Police Officers, Firefighters, EMT's and supporting staff to address Crime, Gang Violence and Community Outreach in Oceanside's most vulnerable neighborhoods.
Its important to understand that Police, Fire, EMT and Supporting Staff will cost money, and lots of it. The good news is that I've been working diligently on my promised plan! My plan has not only allowed us to get more boots on the ground but has also addressed the major pension problem our city is facing. One of my biggest responsibility as a policy maker is to ensure we make as much revenue as possible as well as save on unnecessary expenses. My initiated policies to generate more revenue and decreased expenses. See below list of initiated policies and corresponding media release articles:
1. Short term vacation rental Overhaul, projected to create an additional $2,000,000 in annual revenue within the first 24 months of full implementation https://www.thecoastnews.com/oceanside-approves-creation-of-short-term-rental-program/
2. Removal of Melrose Extension plan saving Oceanside taxpayers over $40,000,000 to focus on higher priority road infrastructure like College Blvd and Freeway 76. https://www.sandiegouniontribune.com/communities/north-county/story/2019-03-31/proposed-melrose-drive-extension-linking-oceanside-and-vista-abandoned
3. Revamped planning and development model that will save staff time and tax payers resources and allows Oceanside to become a regional leader. https://www.thecoastnews.com/city-seeks-faster-cheaper-developer-application-process/
Housing affordability is only partially responsible for the homelessness crisis affecting North San Diego County. We're experiancing an addiction and mental health crisis unlike california has ever seen due to Proposition 47. Here is a snippet of a presentation I gave at a recent council meeting:
We are experiencing a lack of housing supply that creates an un healthy and very expensive demand for housing, mixed with the State of California high taxation on everything from your gas, cell phone and even your drinking water, all creating the real problem of all around un affordability to live in California.
My vision is to see people that work in Oceanside able to afford to live in Oceanside. I believe we all must play a part in making Oceanside affordable. Through SMART development we can relieve housing affordability, enhance public safety and improve desperately needed road infrastructure. The days of developers getting a home run while Oceanside residents are left with the impacts are over, we must work with the development community to ensure Oceanside is the one receiving the home runs and desperatly needed housing.
As a small business owner and entrepreneur I understand the challenges and obstacles we face. If elected, I will always advocate for Oceanside businesses and work hard to expand resources, embrace innovation and implement policy that will prioritize new and existing business and eliminate unnecessary-regulation and hurdles. A more business friendly Oceanside means more local jobs, more city revenue and better quality of life.
My goal is for Oceanside to be the most business friendly city in San Diego County and to be the Mecca for business opportunity and innovation.
Affordable Housing vs Housing Affordability
There is much confusion on the topic of Affordable Housing and Housing Affordability and governments role in solving the housing crisis. Please join me in fighting back the status quo practice of labeling market rate housing as bad and affordable housing as good. Attempting to pit them against one another is inaccurate and counterproductive. Both are necessary, and both advance the larger goal of affordability. Income-restricted Affordable Housing (Government Subsidized Housing) is often the only sort of new housing that can directly assist very low-income households, and for that reason income-restricted housing is essential. But many low- and moderate-income people live in older market-rate housing, and they face rising rents when market-rate housing is in short supply. More market-rate housing, especially if it's built in expensive areas like Oceanside where higher-income people want to live, eases the pressure these households face. A bold new approach to housing must be made that includes reforming out-of-control regulations on the free market. The current failing model is denying home ownership to a growing number of working families and keeping Oceanside residents from reaching their economic potential. The decline in property ownership threatens to turn much of the middle class into a class of rental serfs, effectively wiping out the social gains of the past half century.
I've created a unique hybrid program that I believe will immediately address housing affordability and reciprocate prosperity in ways traditional down payment assistance programs have never before been able too do. This program is not a government subsidy and does not use tax dollars. Program is 100% funded by development Affordable Housing "In Lieu fees. OceansideAMPP is subject to a future council agenda item, public feedback and a majority council vote.
See below video of the program I'm proposing.
Program Name: Oceanside Affordable Market Purchase Program (OceansideAMPP)
Loan Amount: Up to 20% of the acquisition price. Can be used for down payment and closing costs.
Income Limits: Up to 115% of the area’s median income (AMI) – Income must include all persons on title including non-borrowing spouse.
Purchase Price Limits:
Single Family Homes- $600,000
Condominiums, Town homes and Twin homes- $450,000
Other Program Requirements:
• Applicants must attend an 8-hour, in-person or online Home buyer Education Class given by approved provider.
• Applicants must contribute a minimum of 1% and a maximum of 20% of the homes acquisition price from personal or gifted funds (subject to 1st Mortgage guidelines). Exception - Seniors 55 who are relocating from an Oceanside Mobile Home Park and utilizing sales proceeds as down payment. (Supporting documentation required)
• Home buyers must occupy the home as their principal residence, Occupancy must occur within 60 days of purchase.
• If eligible, applicants who apply for this program may also be required to apply for the Mortgage Credit Certificate Program (MCC).
• All Applicant must be First Time Home Buyer(s) (Person who has not owned a home in the past 3 years) Exception – Veterans, Seniors 65 + and Seniors 55 + who are relocating from an Oceanside mobile home park.
• All Applicants must be currently living in the City of Oceanside for last 12 months OR work in the City of Oceanside for last 6 months. (Supporting documentation required)
• Combined Debt to Income Ratio including proposed monthly housing obligation (Principle, Interest, Taxes, Insurance, Mortgage Insurance and HOA) and monthly obligated debts reflected on credit report (Credit Cards, Automobiles ect) not to exceed 45% of borrowers qualifying household income. All debts must be considered including non-borrowing spouse.
• Deferred, requiring no monthly payments (Silent 2nd)
• Loans have a Shared Appreciation component in which the City of Oceanside will share 25% of the future net appreciation in the future value of the property upon sale or payoff.
• Repayment is due on sale, title transfer, first mortgage repayment, or in 30 years.
• Refinancing of first mortgage is allowed under certain conditions. i.e Rate and term refinance or in limited cases to improve property subject to maximum combined Loan to Value including City silent 2nd loan not exceeding 100%. (Supporting documentation required before subordination will be authorized)
• One-unit properties, i.e. single-family residences including town homes, twin homes and condominiums.
• Properties must be located in the City of Oceanside.
• Properties cannot be occupied by tenants.
• Approved short sales/pays, foreclosed and REO properties and regular sales.
• All properties may be subject to inspection by the City of Oceanside prior to loan funding.