march 14th, 2019 attached are the comments portion from the … · march 14th, 2019 attached are...

March 14th

, 2019

Attached are the comments portion from

The Commonwealth Development Authority’s

“Rent-to-Own-Home” (RTOH) pilot program mini-survey.

Survey period: March 1-12, 2019 (12 Days)

Total Responses: 949

Total Comments: 439

Should you have any questions/inquiries, feel free to contact

the CDA loan department @ (670) 234-6245 ext. 305/307/309

or send us an email at the email addresses listed below:

Fred Cruz: [email protected]

Abby Atalig: [email protected]

Marie Coleman: [email protected]

mailto:[email protected]






Page(s) Description # of Comments

Rota & Tinian Comments

2 Rota Comments 12

3-4 Tinian Comments 28

Saipan Comments

5 Comments regarding middle class 7

6 Comments regarding low income 4

7 Comments regarding monthly rental 9

8-12 Personal Comments 79

13-21 Comments showing support, encouragement, interest 131

22 Suggestions 16

23-27 Questions 75

Contact Info and Blank Comments (Removed) 78

TOTAL COMMENTS 439

Rota Comments

Where would your preferred

location be with the "Rent-to-

Own-Home"?

Questions, comments, & suggestions are greatly appreciated and would be very helpful to us. Please

use the comment box below.

Rota Hope this helps

Rota Hope we can avail to these program soon

Rota In support 100 percent of this pilot program

Rota This is a great idea. Especially to some people who would want to own a home.

Rota This would be a blessing for my family! -CDM

Rota This would be a great help.

Rota This would be so awesome for those who have low income and cannot even afford to build a house.

Rota Wonderful idea. Let's do this

Rota How long will it take to find out if this program will actually happen and how would I know if I qualify?

Rota

Would this be a first come, first serve? Would only "certain related" to who ever will hand this program be entertained?

Been living here on Rota for 20 years, I'm a resident. It has been a challenge to even obtain a house lot or agricultural lot.

How effective is this program to those that are middle class residence? Would this be only for low income residence?

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Tinian Comments

Where would your preferred location be

with the "Rent-to-Own-Home"?

Questions, comments, & suggestions are greatly appreciated and would be very helpful

to us. Please use the comment box below.

Tinian

Suggestions: Seminars or workshops for first-time home buyers (understanding the mortgage loan

process, how to keep your house from getting a foreclosure, etc.), open house to view floor plans or

affordable housing options for Rent-to-own-homes, or even a home buying counseling services.

Tinian Help the low income

TinianI could afford $350-$400 of rent payment. This opportunity would be ideal for my situation and I hope

it does get offered.

Tinian Lower monthly payment

Tinianive owned land since i was 18 years old. I am 40 now and there are still no programs available to help

with housing.

Tinian I would want a orientation for details and information and options on the plan.

Tinian Also interested in container house but a typhoon-proof kind.

TinianI hope this happens. It’s very interesting and I think it will help the rest of the people not only on Tinian

but the whole cnmi. I think it’s a good opportunity if it does happen.

Tinian

I am so glad CDA is finally trying to help middle income families who don't qualify for other programs.

Many have their homestead but are not allowed to do anything with it. It will be great for the people

of our generation to finally become homeowners.

Tinian Hopefully dream com teue......

TinianThank you for providing this pilot program for those residents that doesn't have houses. We really

appreciated this and we hope it will materialized soon.

Tinian Can I use my parent lot to build a home?

TinianCan renters still own a home with bad credit? How long is the lease and will there be a fee upfront, like

a downpayment? If so, how much?

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Tinian Comments

TinianHow long would it take for a unit to be built? Does "CDA OWNED PROPERTY" mean that the price of

the property will be additional to the price of the home?

Tinian If it is a CDA Owned Property, is it possible that the structure is already built?

Tinian Is this only for Chamorro blood residence ?

Tinian What are the requirements? Is employment a must?

Tinian What would the Annual Percentage Rate be? Would it be competitive to a home loan?

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Comments regarding middle class



Questions, comments, & suggestions are greatly appreciated and would be very

helpful to us. Please use the comment box below.

SaipanHelp the middle class family. We are usually the ones who receives no help because we make good

enough but NOT ENOUGH and dont fall in the bracket range to qualify for things.

SaipanPlease . If there is a salary bracket, to qualify. lower that bracket to meet middle class needs . ( ex.

NMHC )

Saipan

Please allow it to be open to all individuals especially those that are not in the low income bracket.

Make it available so homes can be built on private property. Low interest rate will help out for middle

class family.

SaipanPlease consider that it should not only avail to low income households -- the working class (middle

class) citizens should be taken into consideration.

Saipan Please open or offer to applicants other than low income people or families

SaipanThis program is highly needed for those of us in the middle class. We work hard. We don’t make

enough to afford a mortgage and don’t qualify for section 8. Please think of us.

Saipan

This program is much needed in the CNMI, of course limited to only descendants of the CNMI. Our

people have been competing with foreigners for a decent and affordable place to live. And some

businesses claim to have affordable housing, yet they have a income bracket, which is hard on us

chamorros, especially when we exceed the income bracket so that disqualified us. How can we save

for a rainy day when rent takes more than half our monthly salary? We also have other Bills, other

than rent. So Thank you CDA, I really hope this program pulls through because it's sad to see how

indigenous people die while still renting an apartment.

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Comments regarding low income





SaipanIt would be great to keep in mind the salaries of everyone not include gross. A lot still live with

parents because no one can afford to build their homes.

Saipan Options should be available for low income households.

Saipan Please consider single parents and # of children when looking at income levels

SaipanSafe and affordable homes for lower incomes. Some places here are built for "low income" yet

the prices are too high for us to even afford.

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Comments regarding monthly rental



Questions, comments, & suggestions are greatly appreciated and would be

very helpful to us. Please use the comment box below.

SaipanI believe $500 monthly rent would be affordable for 3 bedroom homes. But this is a great

idea to get people to own a house and giving the option to build on their own land or cda.

Saipan

I would say this is a very good thing to think about for the people of Saipan but also the

amount of rent per month would be too high for some people like myself with a big family

to support. But with the help of the monthly rental to be lower would be really good for

the people of Saipan.

Saipan

Lower the rates and fees for housing. The cnmi is too small a country to be having

homeless people because they cant afford the cost of living making minimum wage. We all

need a place to feel safe and secure and what better than knowing you have your own

place to call home.

Saipan Make rent cheaper

Saipan

Price range on renting homes should be average from $400-$500. Due to low income

families. $600 and more is to much for the people in saipan. Renting an apartment is

about $500-$800. It will be hard for people on saipancan afford.

Saipan

Starting monthly payment is too high, maybe it would be affordable if it begins with $400

(unfurnished) and if its partially furnished $600 is fine, but precisely what are the "partially

furnished" furniture in it.

Saipan The rental should be lower than $500.

Saipan We need to have affordable housing. $400 to $500 for a 3 bedroom would be great.

Saipan Good for the residents maybe it could be 400 monthly or 500

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Personal comments

Where would your preferred location be with the

"Rent-to-Own-Home"?

Questions, comments, & suggestions are greatly appreciated and would be very helpful to

us. Please use the comment box below.

Saipan A quick respond from your office or agency would be very much appreciated

Saipan

Current income salary in the CNMI is very hard to even afford rent. Also it is very difficult for locals to own

homestead when it is no longer offered or has a “waiting list”. So many non-locals owning homes and land

versus locals

Saipan does car garage included for this house

Saipan Don’t want to live in an apartment complex

Saipan Help Us

Saipan Hope RTOH will be affordable and would become available as soon as possible.

Saipan Hope this program will help people to have their own place in regardless of income status.

Saipan Hopefully this is legit

Saipan Hoping that this pertains to residents of marianas descent and not anyone whose U.S. citizens.

Saipan

I am aporoved for $142,000 from SBA however SBA is giving us hard time miving on because they keep

asking documents after documents. I feel like giving up. But I realky would love to rebuild our home. It was

severely damage during typhoon Yutu. We are rentin an apartment and I really want to go home.

SaipanI am originally from the Marshall Islands. I've called Saipan home since Nov.1978. And I would love to be

buried on Saipan

Saipan

I am pleased and excited for this program to be possible for us local people, most especially those that don't

have any homestead or land to build a home for our family to dwell in. I am hoping that this does push

through, so that I may apply. I am currently residing in a small apartment, which I don't want to raise my

children in that kind of setting. I am and have been looking to purchase a property with or without a house,

but the prices that people are selling for are ridiculously high. I need something within my budget, so that I

may not end up defaulting in any loans that may exceed my income. I am asking and begging to please make

this possible and a dream come true for many of us whose tired of our current living situations. Thank you

and God bless.

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Personal comments

Saipan I am really interested in getting a House

Saipan I currently own a home

Saipan

I had heard a while back that DPL and/or NMHC had a program but by the time I went to check, it was no

longer available. With 5 growing children to support, it is very difficult to actually try and build a house of

our own. We’ve just been living with family or renting all these years.

Saipan

I have a daughter and me and the child's mother take turns with taking care for her. That's why I chose the

number 1-3 because every other day I would baby sit. Please take this into consideration. Some of us have

kids but only see them on certain days.

Saipan I hope even long termcontract workers only will be given chance also

Saipan I hope I’d be able to qualify! I really need a house I own for my family.

Saipan I need my own home

SaipanI think im qaulified for a homestead but haven applied yet. Im a guam national guardsman but born on

Saipan

Saipan

I think it’s about time that the government makes use of all it’s abandoned properties and buildings. There

are so many local families that want to own their own home and property but they are not given a shot to

do so. Politics is dirty and will always be dirty, that’s how the Rich gets Richer and Poor gets Poorer. Sad but

true.

Saipan I want to stay in dandan

Saipan I would also like for a CDA owned property; which ever is easier and faster.

SaipanI would highly appreciate to rent a home and to later own it so that I'll be able to secure a home for my wife

and kids

Saipan I would like to know if there are any available RTOH

SaipanI would like to rent to own a home. As I am a mother of 1. And willing to work hard and own a home for

myself and my child.

SaipanI would like to take out a home loan but my salary is too small. I have car payments and can't afford, Im a

single parent with one income. I hope the progam can help single mothers and work with our salary.

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Personal comments

Saipan

I would really like to have a house that would end up being my own. It's hard to think about living here on

Saipan when I can't own property for not being of NMI Decsent. So if the government sanctioned RTOH is

approved, it would really convince me to stay on island and I'm sure it will as well for others like me.

SaipanIf Rent-to-own homes are going to be a thing, tottotville from saipan would be a nice layout to refer to with

regards to interior designs and the general naighborhood layout

Saipanif they had this program available it would take a load off of my shoulders. finding a place to live while

working and going to college is difficult. having this will definitely help quality of life.

Saipan I'm in need for a rental own property.

Saipan In the last question, I chose CDA property because I do not legally own any land.

Saipan Interested in buying foreclosed/repossessed properties

Saipan It would be nice to have a place i can call my own especially since has been my home all my life

Saipan It would be nice to have funds available for those who want to build a home on family-owned property.

Saipan Its good to have a safe house especially during typhoon but we cannot afford if it is expensive.

Saipan It's unfair, that one is born and raised in the cnmi and has no right to own a house to call there home .

Saipan

I've been here in Saipan since 1994, And have seen those unfurnished vacant houses beside garapan school

when dropping my eldest to school... Is that a government or a private property? I suggest make it

RTOH...if it's a government owned land...

Saipan I've been on this beautiful island for more than 20 years and I really want a house to myself and my family

SaipanJust need assistance in housing. Although I, as head of household, am a US Citizen, I cannot own land (but

my kids can). We need stability and housing I can afford. Please help.

SaipanMost of the homes are built to accomodate locals and us citizens but due to high rentals, foreigners end up

the renter imstead of the us and.locals

Saipan My family is in dire need of a home for long term.

Saipan

My husband and I have been looking for a house of our own for several months already because our family

is growing. Perhaps giving applicants the chance to own or buy land and have the RTOH if they don’t already

have land should be offered if possible.

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Personal comments

Saipan need a house

SaipanNeed affordable homes for low income families. With the cost of living in the NMI the minimum wage is

not enough to pay rent and pay other monthly payments of CUC, car payments, groceries, insurances, etc.

Saipan Need to know available location

SaipanOpen to have unit built on either CDA or privately owned. Also, furnished or unfinished would be a nice

option to add on to loan

Saipan Options show us

Saipan Please in need of a place and location ASAP. Thank you

Saipan

Please let's target village lots that are just tangan tangan and broke down homes. Or give local people a

chance to own a nice apartment in a convenient location. No more homesteads because too many are not

being utilized and just growing weeds. Plus infrastructure costs for survey, planning, roads, water, sewer,

substations are too much for new homesteads. An apartment can always be rented out or reassigned to

another deserving family. 75 years already some of these village lots still look bombed out. Look at Chalan

Ka. Look at old Acebo eye clinic and the rest of the broke down Japanese houses. Make a nice multistory

apartment next to Post Office. Already parking, power, water, and available. Enough place to put a

playground for families with kids. Same with garapan area, San Antonio, Dan Dan. And CDA won't keep

losing money like all the other single family real estate they sold off in foreclosure 2000-2013. If familie

wants to move, then allow another family member to take over , or other people on the list assume the rent

to own. Strict condominium rules will keep the area nice. Easier to maintain a few apartment buildings then

to rent to own single family homes.

SaipanPlease make this possible for people who are currently looking for a place to live. I have been searching for a

house, but it's been so difficult finding one

SaipanPlease refer on #9, would be interested on CDA owned property with reference also to #7 at San

Vicente/Dandan.

Saipan

Pls. Make it affordable..not like sandy beach,iron wood or other so called establishments that publisize

affordable homes for low income.its so sad when the government lets business use them as a front then

make the newly done estabishment impossible for people who dont qualify from food stamp, section 8 or

other subsidies the oppurtunity to rent because their joint monthly income is to low..its rediculous...

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Personal comments

SaipanPreferably a concrete structure or a pre-fab structure that can withstand category 5 hurricane force winds.

Also, a structure that is termite proof and that would last as long as a concrete home.

Saipan Preferably homes like Tottotville and not like apartment complexes.

Saipan Refer to no.9 Does not matter I guess. Depending on where CDA property is located at.

Saipan Rent is too expensive now. Opting to live with family or friends has become one of the main choices

SaipanSome of use don't have land, it would be appreciated if there was an option to rent to own land and a house

or vice we have land but rented to own the structure

Saipanthanks. i hope US citizen children can also own the property so they can be encouraged to make Saipan their

home. Note: parents are also US citizen

SaipanThe CNMI is in dire need of an affordable housing program for middle income families who don’t qualify for

low income benefits

SaipanThe homes look like they could easily be blown away. I’d prefer a fully concrete home than the design you

presented. ThNk you though for giving us options

SaipanThe income brackets are too big. I make $16.6k, which is $8/hr. I wont be able to afford a house AND have a

child. I want both, but i camt while tryong to pay for a car.

SaipanThey have a lot of abandoned houses in saipan trees are over grown take it back and give it to oeople that

qualify in need.

Saipan This must only be to available to those who were born on saipan

Saipan This should have been implanted before.

Saipan Though I have privately owned property, we are open to CDA owned property as well.

SaipanWill be giving birth any time this month (March 2019) so I would just want a home we can call ours. A home

that is safe and secure for my children now and in the future as well.

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Comments showing support, encouragement, interest

Where would your preferred

location be with the "Rent-to-Own-

Home"?

Questions, comments, & suggestions are greatly appreciated and would be very helpful to us.

Please use the comment box below.

SaipanA pilot program like this would be of great value to the people of the CNMI that need assistance in becoming

homeowners.

SaipanA program like this will help a lot. Especially for those with Homesteads and can’t afford to build right away. I am

hopeful that there will be a program implemented soon!

Saipan Awesome idea seeing a lot of abandoned buildings can be used to house lots of low income families

Saipan Excited for the project to move forward. Thank you.

Saipan Excited to learn more about this program!!

Saipan Excited to see homes we are able to rent to own.

Saipan Finding an affordable decent place to rent is hard to find now. This would be a great help to island.

SaipanFinding housing has definitely been a challenge. Our entire community is looking forward to the success of this

program. Thank you!

Saipan Good Luck with the program! Our people need it! Great job!

Saipan Great idea RTOH!! Full support!!

Saipan Great program

Saipan

Having RTOHs would be so beneficial for many years to come! I would hope that this isn’t a program ONLY catered

to lower income families, with so many qualifications just to be eligible. Families of the middle class struggle just as

much, and have been turned away from housing opportunities ONLY catered to low income families and are

forced to live with other family members. Having a RTOH program would give more opportunities for families to

work towards having their own homes, at an affordable rate. This would allow them to rent to own a home that

they can afford.

Saipan Hope this will work

Saipan Hope to have this kind of program soon

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Saipan Hopefully we can more assistances like this program

Saipan Hoping this pulls through.

Saipan Hoping to be a part of this program

Saipan Hurry!

Saipan I am extremely interested and hope to be considered if this goes through

Saipan I currently filed assistance with FEMA for my apartment, but am very interested in this new program.

Saipan I feel this will be beneficial for many residents of the CNMI.

Saipan I hope it happens 🤙

Saipan

I hope that is opportunity goes through so in that way my kids will have something to look forward in the future.

Also since the homestead takes forever at least we will have our own property and not be renting or living in a

family compound. Thank you in advance

SaipanI hope that the opinions of the people who have taken this survey are taken and this program is established

because it would really help people without homesteads own a home and property.

Saipan I hope this program becomes a reality

Saipan I hope this program is implemented. We need it here on Saipan.

Saipan I hope this pull through, really need a place of my own

Saipan I hope this rent to own house is done soon. It will be nice

Saipan I hope this survey will help the hard working, not so fortunate indigenous people of the CNMI.

Saipan I hope this will happen,

Saipan I hope this will happen... Its about tome to own a house here in CNMI, So tired of renting.. Thank you

SaipanI love this, it's really hard for some of the hard working locals to be able to get/own a house, I've been trying to

but just to complicated.. live the idea just really hope this works for me and my family... thank you!

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Saipan I really want to try this program and hopefully am one of your candidate.. Thank you..

Saipan

I think that this is a great idea, because there are so many of us that can't even apply for a homestead at DPL

because they aren't giving out any applications because there aren't any lots to give. Meanwhile several houses all

around the island remain abandoned. Specifically Kagman.

Saipan I think this program would help a lot of people who cant afford to have a house built at one time.

Saipan I think this would be a great program. I hope to see it come to fruition.

SaipanI think this would really help the people here that can't build a home our own I hope this goes through. Thank you

for at least thinking about the people

Saipan I want to know more details

Saipan I wish I'm gonna have apportunity to give us rent 🏠

Saipan I would like to be kept up to date on developments with this pilot project. I am very interested in taking part.

Saipan I would like to know more

Saipan I would like to know more

Saipan I would really appreciate if you guys are willing to help me and my family..Thank you!

Saipan I’m all for it as long as the intention and benefits is for the people of the CNMI.

Saipan I’ve been wanting a rent to own program and am glad to hear this proposal.

SaipanI'm really happy that CDA is opening up this kind of program. Please let us know how else we, the community, can

help to make this project happen!

Saipan Im so interested

Saipan It would be very helpful for the middle class family if this rent to own program opens up.

Saipan it’s about time we have this option.

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Saipan Late get it started

Saipan Let’s make this happen

Saipan Looking forward to progress and start of pilot program. Hopefully the property is affordable

Saipan Love the idea of rent to own!!

SaipanMany of my answers could depend on circumstances (furnishing not sure about, CDA owned land questions, house

layout vs. cost...) but am very interested in affordable housing.

Saipan Marianas Strong

Saipan More information on proposed program please. Perhaps a seminar or community forum.

Saipan Nice. Multiple answers are good too

Saipan Please make this happen

Saipan Please pilot this program for the hardworking citizens who dont qualify for low income housing loan at MIHA

Saipan Pls keep me posted on this matter

Saipan Pls make it happen

Saipan

Providing this opportunity for the CNMI residents is a miracle and a blessing to a lot of households that are not

able to afford securing home ownership through traditional loans etc...this is a great alternative. This will bring

positive enhancements to the way of life in the cnmi and give many the opportunity to truly provide reasonable

shelter for their families. Thank you CDA!

Saipan Really interested in Rent to own homes

Saipan Rent to Own homes are greatly needed .

Saipan Survey was great! looking forward for more information on this. Thank you! :))

Saipan Thank u

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Saipan Thank yo for considering this housing option

Saipan Thank you

Saipan Thank you

Saipan Thank you

Saipan Thank you for the great news and opportunity. Looking forward to this program.

Saipan Thank you for the initiative of the RTOH Program

Saipan Thank you for the survey

SaipanThank you for the survey. I think this is a great opportunity for those invidivuals who would plan to finally start on

their own.

SaipanThank you for this opportunity. We need this offer badly to help us new generation to continue to live on the

island and contribute to our community instead of moving to the US Mainland.

Saipan Thank you for this survey

Saipan Thank you for this survey and I hope it goes through!

Saipan Thank you so much and it would be so nice for my family

Saipan

Thank you working on having these kinds of program available to the residents of the CNMI. Some of us are living

in an overcrowded house because we can't afford to buy properties nor to builda house without costing an arm

and a leg. Having this program would be awesome!!!!!!!! Please pull through and fast!!!! Thank you

Saipan Thank you!

Saipan Thank you!

Saipan Thank you.

Saipan Thank you..

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Saipan Thanks

Saipan Thanks

Saipan Thanks for this

SaipanThe ROTH program is a great program for individuals such as myself who do not have land and would like to own a

home. I look forward to this opportunity.

Saipan This is a dream come for us , especially senior citizen like me...thank you so much..

SaipanThis is a good initial plan for the residents here in Saipan. I hope it will start soon and make the mo.payment

affirdable.

Saipan This is a great idea and a great option for residents to own a home and lot.

Saipan This is a great plan to assist residents to build their dream of owning a property and dwelling .

Saipan

This is a great program & is long overdue especially with all the typhoons occuring. This should lessen if not zero

out the government^s (both local & federal) expenses in their efforts in helping residents recorporate from

typhoon caused damages.

Saipan

This is a great program and opportunity for us taotao Marianas, because now a days there are a lot of outside

people leasing properties here in the CNMI, homestead program is so far behind with homestead distributions.

Not a lot of families have properties or even just “A” property. Now a days in my generation in the age range of

20s and 30s with family can’t afford to wait 20 years for a homestead and or we can’t even afford to buy land and

build a home that would benefit for a long run, throughout storms and what so ever. So this is nice if should be

available for families in the CNMI.

Saipan This is a great program to have since homestead lottery takes forever.

SaipanThis is a great start to an essential need our community needs. Looking forward to the implementation of this

project. Thank you!

Saipan This is a very helpful program.

SaipanThis is an excellent idea! It's so difficult to get a decent and affordable home rental on island. Low cost homes are

still high for some residents. I like the idea of building on my property.

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Saipan This opportunity will differently help the cnmi residents.

Saipan This program is great! I hope this takes off!

Saipan This program is greatly needed.

Saipan this program would be a great benefit to all.

SaipanThis project would serve it purpose and hope everyone residing in CNMI will be given a chance to be included in

the program

SaipanThis sounds like a great opportunity for young families looking to own their own land. With best sunshine here

they have really messed up the housing market and drive prices through the roof.

SaipanThis sounds like a great program, especially for young parents who are trying to make it on their own and provide

for their kids.

Saipan

This will be a great way for NMD to build homes. Since most low income housing have caps and when they reach

their cap they rent or lease to highest bidders. Instead of looking out for the NMD and families just trying to own a

home and live the Saipan Dream.

Saipan This will really help people that cannot afford to loan large amount of money to build their typhoon proof house.

Saipan This will really me and my family for secure home.

Saipan This would be a great idea

Saipan this would be a great program

Saipan This would be a great program for young local residents who have it hard to get land and house on island.

Saipan This would be a very good opportunity for the younger generation.

Saipan This would be a very helpful program for us that are barely making it

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SaipanThis would be awesome to invest in!! It would benefit so many people with a home to grow up in, invest in, and

later own!!

Saipan This would benefit most of us since there are no homesteads anymore.

Saipan This would really help young individuals with land that have no houses

Saipan We do need rent to own houses here on saipan.

Saipan We need this to supplement housing shortages and to help the new working generation own homes.

Saipan We need this type of programs

Saipan What a great idea and an exciting thought to have for the CNMI!!

Saipan

This program will b a huge help for those who are not sure how to go about building a home especially for Our

age group who wanted to start By afraid n not sure how...but with this program, the guidance and support will

definitely help the individual the confidence of having a home

Saipan

This RTOH idea is great. But not sure if I can effort it. For my suggestion I'll say near the beach side is a wonderful

location for houses. And making the house like.. Two story. Meaning the garage would be the first floor and the

room, bath, etc. Would be on the second floor.. with all that said even if i cant affort it. At least the once that can

would be happy to. Thank you. And hope it'll be a success.

Saipan I really appreciate what you guys provide for people in the cnmi

SaipanGreat idea! CDA MAKE THIS HAPPEN. IT WILL WORK. LOCAL FAMILIES WILL HAVE more OPTIONS /1st time

homeowners as well as home renovations, expansion, etc.

SaipanInterested to know if the CDA owned property would be a part of the program, or what guidelines there would be

in securing the property in addition to the home.

Saipan I am very interested in being a part of this program. I would like to know more about it.

Saipan Thank you for this opportunity.

SaipanIn my case they really want to get thier own home especially what happen to the typhoon yuto a concrete house .

Thank you for this plan to your community.

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Saipan Thank you for reaching out to the community

Saipan Please make this happen Thanks 🙏🤙

SaipanThis would be an great investment for the locals that want to own a home but don't qualify for bank loans due no

assets.

Saipan I think this would be a great idea.

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Suggestions



Questions, comments, & suggestions are greatly appreciated and would be very helpful to us. Please use the

comment box below.

Saipan Affordable homes preferably

Saipan Affordable houses

Saipan Aside from building homes on private property, you can build on future homesteads.

Saipan Do not base the interest rate or Qualification on credit scores if the land is owned.

SaipanFully concrete house typhoon proof with shutters and 2 auto parking garage. Fenced especially for families with toddlers or

children

SaipanI would suggest before finding a lot to build a possible community homes, it’s best to use up or rather fix up the abandoned

homes in Marpi area. I hate to see another set of homes built and left abandoned. It’s really an eyesore for our island.

Saipan If there are cheaper, smaller, or customized versions. E.g. tiny homes...

Saipan

Lower the rates and fees for housing. The cnmi is too small a country to be having homeless people because they cant afford the

cost of living making minimum wage. We all need a place to feel safe and secure and what better than knowing you have your

own place to call home.

SaipanMaybe offer this service to those not on the homestead waiting list. Eventually those people will get a homestead property and

will end up with two.

Saipan Much better if there is a fence and gate. Thanks

Saipan Other than for personal accommodation, it could also be used to showcase to residents of Saipan.

Saipan Rent to own at affordable price that way people don’t get delinquent on payments

Saipan Rent to owns houses for cws with us citizen children

SaipanThere should be an additional or an option plan where if the head of the household or payee is died and his rental is secured or

paid for by agent for his remaining family to continue staying and not left homeless or house hunting again. Just saying....

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Questions

Where would your preferred location be with the

"Rent-to-Own-Home"?



Saipan Are Fsm citizen qualified ??

Saipan Are individuals with low income eligible for this?

Saipan Are people under sec. 8 able to live in these homes?

Saipan Are we gonna really have it? I jus wish it turns all good so it can help especially the islanders.

Saipan Can I get notifications if I qualify?

Saipan Can our blueprints be used?

Saipan Can the monthly rental be applied to more than one person working?

Saipan CNMI decent required?

Saipan Does this program offered would only apply to CNMI Descent?

Saipan Hope its for CW also and the rent is affordable. Thanks!

Saipan How can I apply? How do I know if I'm eligible RTOH?

Saipan How can I start?

Saipan How do I check to see if I qualify?

SaipanHow long do i have to rent before I own the house? Will CDA insure the house for typhoon?

Fire? How will I qualify if I cannot afford to pay rent as listed? Thank you this is a great program.

Saipan How long does it take to have a hpuse rent to own

Saipan How long would this take process take?

SaipanHow many slots are there? Is this a first come first serve basis? Is this possible for the future? Is

this legit?

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Questions

Saipan How many years of work is required to be eligible?

SaipanHow many years would it take for the renter to pay off a rent to own home? Will homes be as

is or new or even renovated? Will there be an application process?

SaipanHow much would these houses cost us as an owner? And will there be interest percentage for

CDA?

Saipan How soon can we rent to own. Thank you

Saipan How soon will this project take place?

Saipan How would I know if I’m eligible?

Saipan I don’t own a lot & house. What are the required documents?

SaipanI don't have a property under my name, if I was to "Rent to Own" a home, does it come with

the property or land?

SaipanI’m a U.S Citizen, born and raised in Saipan, but currently reside in Las Vegas, NV. Would I

qualify for this program?

Saipan If applicant is presently rebuilding credit history will this affect eligibility?

Saipan If CDA owned property, is it rent-to-own Home and Property or is it a Mobile Home?

SaipanIf ever Saipan starts to build a Rent to Own Home, will all the houses be built on how the

tenants like it to be? Like number of rooms/bathroom or kitchen size and whatnot.

Saipan if privately own property would the property be morgage and for how many years

Saipan If qualified, how long would it take for the RTOH to be completed?

SaipanIf we currently don't have land to build on and we decide to move forward will both land and

home belong to owner or will we need to pay some sort of land tax?

SaipanIf we do apply for rent to home on CDA owned property, does that mean property would be

owned by person who completed the rent to home?

Saipan Is it semi concrete or can it be fully concrete? of 28

Questions

Saipan Is this another 30 to 35 year plan?

Saipan

Is this program going to be income based again? There are other individuals who are "not

qualified" as low income and are automatically shut down from availing to such programs.

These individuals need homes as well and it doesn't mean that if they are not considered "low

income" then they can build their own homes. I believe these types of programs need to stop

determining qualifications based on this. 2. If the house were to be built on CDA owned

property, do non-NMDs qualify for this program? What happens when we successfully paid all

the monthly rent and now "own the house?" Do we acquire the CDA property as well or do we

have to buy it from CDA? 3. If we built on our privately owned property, will the land be a

collateral? What if we don't agree to have the land as collateral? 4. Do rental rates vary based

on fully, partially, or unfurnished homes? 5. Interested to see how non-US citizens benefit

from this program if they can't own land in the CNMI. Same goes for non-NMD.

Saipan

Many residents of the CNMI don't make much money with the wage that we have throughout

the Government. That is why can't afford most apartments/households. Town houses would be

nice if they were affordable. we pretty much work to live. Will there be any new households/

Saipan Monthly expenses?

Saipan This is for everyone right?

Saipan What are my chances with other great monthly commitments?

Saipan What are the qualifications ?

Saipan What are the requirements

SaipanWhat happens now? Am i qualified? I chose "cda property" if the home is paid off, am i going to

own the property?

Saipan What if we are not of CNMI descent?

Saipan What if we don't own a property? Does that disqualify us from applying?

Saipan What is the qualifications?

Saipan What is this survey for?

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Questions

Saipan What r the requirements

Saipan What time frame are we looking at?

Saipan When and how do we apply?

Saipan When and where can we start?

Saipan when can we begin to apply.

Saipan When is this likely to happen?

Saipan When is this program gonna begin? Just asking

Saipan When will this be available?

Saipan When will this start?

Saipan When would this program be offered to U.S. citizens if the NMI?

Saipan Will it be financed by any bank?

SaipanWill it take in affect very soon? This will really help the residence of Saipan especially the young

adults .

Saipan Will the homes be concrete built? Are they typhoon proof?

Saipan

Will this program be available to anyone regardless of income or credit status? I have invested

in a home ive been renting for about 7 years now totaling near $ 30,000. Been trying to get a

home with NMHC but because am not low income and im not high income its difficult to apply.

Someday ill leave the home i am renting knowing i put nearly 30 grand on a home that could

never be mine :(

SaipanWould have the home have HOA dues? What are the stipulations for long-term or ahort term

residency?

Saipan Would i qualify for this program?

Saipan Would this be for low income only?

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Questions

SaipanWhat if the land is not under our name but we have permission to build a house on it, will that

be possible? If so what would we need?

Saipan

I have been searching for RTOH. Only to find that it no longer exists. Such an opportunity will be

beneficial to those who cannot afford to take out a loan. Thank you. Is this strictly for low

income ? What are the steps and procedures for applying ?

Saipan Would this rent to home base on credit check?

Saipan

I am born/raise CNMI resident that do not own a property. I answered #9 question under those

factors. It would be great if CDA clears a land and have floorplans readily available. Semi-furnish

homes can be appliances and AC at least. Will this program be available for those with bad

credits but can afford the monthly payments?

SaipanHow soon will this program be available? And how will we know if we are eligible or approved

for this program?

Saipan As a single parent, do I still qualify for a rent to own home ?

Saipan I know only survey but how would I know if am qualified for the RTOH?

SaipanMy son is a US citizen and his turning 21 on september of this year can he own a land or

property here?

Saipan Can the home be built on a family member'S land?

Saipan Will this program be made available to all indigenous residents in the CNMI?

SaipanIf the RTOH is built on CDA land, will the land rights be given to the RTOH renter eventually?

How long will they be able to stay on CDA Owned Property with a RTOH?

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march 14th, 2019 attached are the comments portion from the … · march 14th, 2019 attached are...

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