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AHF is Issuing a RFP for REHAB of a New Transitional Home in Cape Coral.

Transitional House Rehab Project

Request for Proposal (RFP)

Transitional House Rehab Project

I.                    Summary

Affordable Homeownership Foundation is a not-for-profit corporation who builds and rehabs rental  homes for very low, low income individuals that are seniors, disabled, Veterans and Youth that have aged out of Foster Care.

Affordable Homeownership Foundation constructed and now manages one existing group home, located at 220 SE 27th Street, Cape Coral, FL 33904 and a Duplex located at 2456 & 2458 Jackson Street, Fort Myers, FL 3390. Affordable Homeownership Foundation has been awarded grant funding in order to rehab a third group home to be located at 1316 SE 34th Street, Cape Coral, FL 33904.

 This RFP is being issued for the purpose of obtaining proposals for the rehab of the third group home.

The funding for this project is provided by the Lee County Human & Veteran Services (“Lee County Human & Veteran Services”) which is responsible for the execution and implementation of a United States Department of Housing and Urban Development (HUD) CDBG grant program pursuant to Title 1 of the Housing and Community Development Act of 1974 (amended). FUNDING requirements are applicable to this solicitation and entire process.

This project will require rehab of a Transitional Home in manner to comply with all local building codes. The Scope of the work is as follows:

Demo & Remove pool replace with fill & concrete    
Remove pebble floor in the Screened in area and replace with concrete
Remove and replace roof    
Remove and replace gutters    
Repair fascia    
Repair soffit    
Repair exterior wall repairs as needed    
Power wash exterior to include driveway    
Prime exterior walls as needed    
Topcoat exterior walls, 2 coats    
Replace Garage Door    
Replace Garage Window    
Remove existing flooring    
Replace all flooring with tile    
Demo and remodel kitchen    
Demo and remodel master bath
Demo and remodel second bath    
Patch area(s) through-out
Prime as needed    
Top coat interior walls, 2 coats
Remove and replace water heater    
Remove and replace HVACDue to the heavy cigarette smoke throughout this house, please include in your bid to replace full HVAC Unit and Ductwork.
Upgrade electrical with GFCI outlets as needed  
Replace Broken Windows In Bedrooms
3 bedroom doors upgraded to 36″ doors – 6 panel    
All bathrooms roll in shower w/grab barsFront Entrance must be sloped to allow for wheelchair accessPlease add an option to replace all windowsIn addition to the pool being demolished and filled in the Pool cage should be taken down and a screen enclosure up to just before where the existing pool to be demolished starts should be added.

The completion of construction, inspection and acceptance of this project is required by July 31st 2019 by Project Management.

Affordable Homeownership Foundation is responsible for contractor selection and oversight of the project. The Affordable Homeownership Foundation Project Manager will arrange for contractor site inspections prior to submission of payment requests.

The Affordable Homeownership Foundation Project Manager is: Lois Healy is the designated contact for all questions and issues pertaining to the overall project contract. All invoices and required reports from the General Contractor are to be submitted to Lois Healy Project Director, who will review them for completeness, to include all required inspection documentation, and submit them to the Lee County Human & Veteran Services and submit for approval and payment as appropriate.

II.                 Contractor Statement-of-Work (SOW)

  1. Rehab a Transition Home to bring the home into safe,  habitable condition
  • Assure complete removal and clean-up of all materials and scraps during the installation process and upon completion of the work.
  • Provide and post all required permits and licenses, and obtain all required building inspection approvals.
  • Bid guarantee (5% of bid price), 100% payment bond and 100% performance bond are required for this project.
  • Provide Certificates of Insurance naming Affordable Homeownership Foundation and Lee County Human & Veteran Services Board of County Commissioners as additional insureds.
  • Other contractual requirements:
  1. Provide details of the warranty.
  • Provide a major milestone schedule for the project and maintain a current version of the milestone progress and projection; completion milestones must include inspection and acceptance by General Contractor and government entities as required.
  • Invoices must be accompanied by proof of successful completion of inspections.
    • Comply with the requirements of Section 3 of the Housing and Urban Development Act of 1968 [12 U.S.C. 1701u and 24 CFR Part 135] including for new employment, training, or contracting opportunities resulting from the proposed project.
  • The Disadvantaged Business Enterprise (DBE) goal for this project is 10%. Proposals must provide information on how this goal will be met; or in the alternative, why this goal is not possible.
  • Prime Contractor must take the affirmative steps listed in paragraphs (1) through

(5) of 2 CFR 200.321 and solicit to appropriate Section 3 and DBE/MBE/WBE vendors on list (to be provided).

  • Any products or materials purchased with contract funds shall be procured in accordance with the provisions of Chapter 403.7065, Florida Statues, which refers to the procurement of products or materials with recycled content.
  • There will be a Direct Materials Purchases Agreement between owner, General Contractor and all subs for material purchases over $2,500.
  1. Comply with Section 6002 of the Solid Waste Disposal Act, as amended by the Resource Conservation and Recovery Act. The requirements of Section 6002 include procuring only items designated in guidelines of the Environmental Protection Act (EPA) at 40 CFR part 247, including construction material in

§247.12 that contain the highest percentage of recovered materials practicable, consistent with maintaining a satisfactory level of competition, where the purchase price of the item exceeds $10,000.

  • This is a “Turn-Key” procurement – it is intended for the General Contractor to be responsible for provision of all aspects of the project and to assure compliance with all Lee County Human & Veteran Services and U.S. Government regulations and reporting procedures. Oversight, coordination and inspection of the work will be conducted by the General Contractor, with final inspection and acceptance of the work by the Project Manager and Lee County Human & Veteran Services.

III.              Government Contract Requirements

  1. Procurement Standards 2 CFR 200 – Attachment A.
  • Sub-contractor flow-down (all requirements applicable to the Prime Contractor).
  • Required HUD documentation packet – Attachment B.
  1. Contract Provisions
  2. Equal Employment Opportunity, Civil Rights and Section 3 Certification
  3. Section 3 Business Certificate of Eligibility and Preference
  4. Section 3 Plan Statement of Commitment
  5. Section 3 Employment Plan and Business Utilization Plan
  6. New Hire Compliance Report
  7. Certification for a Business Seeking Section 3 Preference in Contracting and Demonstration of Capability (if applicable)
  8. Schedule D – Disadvantage Business Enterprise Participation
  9. Disadvantaged Business Enterprise Participation Certification
  10. Anti-Lobbying Certification
  11. Disclosure of Lobbying Activities
  12. Conflict of Interest Disclosure.

IV.              Contract Type, Progress Payments and Other Provisions

  1. Type: Firm-Fixed Price (FFP)
  • Payment to Contractor:
  1. Payment shall be made upon completion, inspection and acceptance of work; proposals shall include completion milestones.
  • Retainage of 10% of all payments to be released to contractor upon satisfactory completion of the project (certificate of occupancy).
  • Indemnification

The company selected to perform this contract (Contractor) shall protect, defend, reimburse, indemnify and hold Lee County Human & Veteran Services and Affordable Homeownership Foundation Inc. harmless from and against any and all claims, liability, expense, loss, cost, damages or causes of action of every kind or character, including attorney’s fees and costs. Whether at trial or appellate levels or otherwise, arising during the performance of the terms of the contract, or due to the acts or omissions of Lee County Human & Veteran Services or  Affordable Homeownership Foundation Inc.

The Contractor’s aforesaid indemnity and hold harmless obligation, or portion or applications thereof, shall apply to the fullest extent permitted by law. The Contractor will hold Lee County Human & Veteran Services and Affordable Homeownership Foundation Inc., harmless and will indemnify Lee County Human & Veteran Services and Affordable Homeownership Foundation Inc. for funds, which Lee County Human & Veteran Services is obligated to refund the Federal Government arising out of the conduct of activities and administration of the Contractor.

V.                 Proposal Content and Submission

  1. Mandatory Pre-bid conference to be held on April 16th at 9:30 am (EST) at 1316 SE 34th   Street, Cape Coral, FL 33904


  • All inquiries, suggestions or requests concerning interpretation, clarification or additional information pertaining to the solicitation shall be made in writing, submitted and received at least eight calendar days prior to the date proposals/bids are due. Responses will be in the form of an Addendum posted on AHF’s website the address is as follows:
  • Submit product specifications and financial proposal in conformance with the SOW. The submission will a one-time “Best and Final” offer.
  • In the event that there is a discrepancy between unit prices and total quoted amount, the unit price will prevail and the corrected sum will be considered the quoted price.
  • Bid amount(s) shall include any and all Florida Sales and Use Tax payment obligations required by Florida law of the successful bidder and/or its subcontractors or material suppliers.
  • Submit manufacturers and/or contractor literature describing components and warranties. If brand names are specified, the proposal must state “brand name or equal”. Alternate brands must be submitted 10 days prior to the bid due date. If rejected, the bidder will have an opportunity to adjust their quote.
  • Submit a statement certifying an understanding of the government requirements and agreement to comply and a certification that debarment by any government agency has not occurred.
  • Description of relevant experience with projects of this type and scope.
  • Three references from current or prior customers for whom you completed projects of a similar nature (rehab of a Transitional Home, projects funded by HUD, Lee County Human & Veteran Services , etc.)
  1. Submit the required HUD documentation, attached as Attachment B and listed in section IV.6. of this RFP (see above).
  1. Proposals are due by 4:00pm (EST) April 30th, 2019 Submit four hard copies and one electronic copy on a flash drive or CD. All proposal content must be submitted in a sealed envelope by the deadline to Lois Healy AHF 5264 Clayton Ct., Suite 1, Fort Myers, FL 33907

Late proposals will not be accepted or opened. Incomplete proposals will be considered nonresponsive.

  1. Sealed bids will be opened at 5:00pm (EST) April 30, 2019 at Affordable Homeownership Foundation 5264 Clayton Court, Suite 1, Fort Myers, FL 33907.
  1. Proposals shall be valid for 120 days from the date of submission.

VI.              Selection Criteria

  1. Procurement by sealed bids (formal advertising). Bids are publicly solicited and a firm fixed price contract (lump sum or unit price) is awarded to the responsible bidder whose bid, conforming with all the material terms and conditions of the invitation for bids, is the lowest in price. 
  • Affordable Homeownership Foundation Inc. reserves the right to reject any and all bids at any time, unconditionally, and without cause and reserves the right not to proceed with the procurement.

VII.           Contract Award and Execution Plan

  1. Announcement of the contract award – May 1st 2019
  • Contract signing – May 3rdst 2019

Release of RFP Approved by:   Lois Healy/Debbie Paxton

Affordable Homeownership Foundation and Center For Independent Living Gulf Coast Partner for Affordable Housing










Progress on the Single Room Occupancy Dwellings!

As the housing market soars so do rents and individuals who are on a fixed income like Veterans, Disabled, Youth Aging Out of Foster Care, and seniors and their choices for housing becomes greatly reduced. The average rent in our area starts at $1000 and goes up from there. The average person on Social Security Disability, or Social Security or a  stipend for rent (youth) make anywhere from $500-$1100 so many of these individuals are at risk of becoming homeless or are homeless because they don’t make enough money to rent anything.

Shared Housing is the only way to make the rent equation work, but who wants to live with people you don’t know? We found this out from our shared housing that we already rent. Getting along with people you don’t know and necessarily don’t want to know becomes an issue when someone’s habits that they have accrued over the many years get’s under someone else’s skin.

We looked at the Single Room Occupancy model four single room occupancy units under one roof. Each unit will have it’s own bedroom, Universal Design bathroom, and kitchenette. With a shared washer/dryer area, lounge and a case management office. This design allows each individual to stay in their own area with having minimal interaction with other housemates. The average rent for these units is $350 including utilities but not cable.

For more information or to get on the waiting list please call 239-689-4944 or send and e-mail regarding getting on the waiting list to:, we look forward to hearing from you!

Good News! Share of U.S. Households without a Bank Account Continues to Drop

Share of U.S. Households without a Bank Account Continues to Drop
Unbanked Rate Declines to 6.5 Percent in 2017
For the third consecutive survey period, the number of U.S. households without a bank account fell, according to the results of the 2017 biennial National Survey of Unbanked and Underbanked Households released today by the Federal Deposit Insurance Corporation (FDIC).
“The good news is that our nation’s banking system is serving more American households than ever before. The bad news is that even as the overall number of people who are unbanked has declined, 8.4 million households continue to lack a banking relationship,” said FDIC Chairman Jelena McWilliams.
The percentage of U.S. households that were unbanked in 2017 the most recent year of the survey, was 6.5 percent, the lowest rate recorded since the FDIC began conducting the survey in 2009. It was down from 7.0 percent in 2015, and down significantly from a high of 8.2 percent in 2011. The unbanked numbers for 2017 equate to 14.1 million adults in 8.4 million households not having a checking or savings account.
The decline in the unbanked rate from 2015 to 2017 can be explained almost entirely by improvements in the socioeconomic circumstances of U.S. households.
The number of underbanked U.S. households was also down compared to 2015 levels. In 2017, 18.7 percent of U.S. households were considered underbanked, or approximately 48.9 million adults in 24.2 million households. For purposes of the survey, the term underbanked refers to households that had an account at an insured institution but also obtained financial products or services outside of the banking system.
Consistent with previous surveys, banking status in 2017 varied considerably across the U.S. population. For example, unbanked and underbanked rates were higher among lower-income households, less-educated households, younger households, black and Hispanic households, households headed by working-age individuals with a disability, and households with incomes that tend to vary from month to month.
Mobile banking continues to become an increasingly important way for consumers to access their accounts. In 2017, mobile banking was used by 40.4 percent of banked U.S. households to access their account, almost double the 23.2 percent four years earlier.
According to the survey results, 86.0 percent of banked households visited a bank branch in the past 12 months, and 35.4 percent visited ten or more times. This held true for households that used online or mobile banking as their primary means for accessing their accounts: 81.0 percent of banked households that used mobile banking as their primary method visited a branch in the past 12 months, and nearly one-quarter (23.0 percent) visited ten or more times.
Other key findings in the survey include:
• Nearly 13 percent of households (14.8 million households) demonstrated unmet demand for mainstream small-dollar credit, and a majority of these households (57.2 percent) reported staying current on bills in the prior year. The report notes that new underwriting technologies, such as those that rely on transactions in consumers’ checking accounts, could help expand credit availability for some of these households.
• One in five U.S. households (22.7 million households) did not use mainstream credit in the prior 12 months and, consequently, may lack a credit score. Black and Hispanic households at every income level evaluated in the survey were more likely to be in this condition than white households. The report notes that helping these households establish and build a credit history can make it easier for them to access credit on reasonable terms when a need arises.
• Along with 86 percent of banked households, almost one in six unbanked households visited a bank branch in the past year. The report notes that these visits may represent key opportunities to inform unbanked households about products and services that can meet their needs.
• While unbanked rates have fallen in recent years, those that remain unbanked have proven more and more likely to respond that they are “not very likely” or “not at all likely” to open a bank account in the next year (75.0 percent in 2017 versus 62.1 percent in 2013). This fact, along with evidence that certain population segments remain much more likely to be unbanked, suggests that strategies targeted at addressing barriers to bank account ownership for specific groups may help further reduce unbanked rates.
• The share of households reporting that they turned to nonbank firms in the last year for the provision of credit and transaction services tracked in the survey dropped to 22.1 percent, down from 24.0 percent in 2015 and 24.9 percent in 2013. The drop was evidenced in both the use of credit and transaction services.
The FDIC survey began in 2009 and is conducted every other year in partnership with the U.S. Census Bureau. It provides detailed national, state, and local data to inform understanding of access to banking and to support economic inclusion efforts.
Go to for additional survey findings, to generate custom tables, and to download information from all five surveys. Data also is available for metropolitan areas and states.
Survey Results
Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation’s banking system. The FDIC insures deposits at the nation’s banks and savings associations, 5,542 as of June 30, 2018. It promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars—insured financial institutions fund its operations.
FDIC press releases and other information are available on the Internet at, by subscription electronically (go to and may also be obtained through the FDIC’s Public Information Center (877-275-3342 or 703-562-2200). PR-77-2018

We are now a Guidestar Platinum Participant!

Squirrel’s Nest Resale Shop to Benefit Veterans & Youth Aging Out of Foster Care

The “Squirrels Nest” opened in 2016 with the goal that proceeds will help our Mission to help Veterans and Youth Aging Out of Foster Care.

All items in “The Nest” are donated items and are of great quality. We have a little of something for everyone, San Diego Hats, Baggalini  Purses, Jewelry, Books, CD’s all of music types, furniture, etc… Come by and see what we have to offer and help someone in need at the same time!  See you at The Nest!

AHF receives letter from the White House

Letter received from White House

Letter received from White House

Now all your Amazon purchases can help AHF!

Shopping on Amazon for a good cause

We have joined the Amazon Smile program. That means when you visit Amazon through the link on our site, a small portion of your purchase is donated by Amazon to Affordable Homeownership Foundation, Inc.

Shoppers can choose any of the organizations participating in the program when they shop, and half of one percent of the total will be donated to the chosen cause.

Small donations like this can really add up and make a difference, so please consider helping AHF by using Amazon smile through our link – just click through the Amazon Smile banner in the sidebar or footer area across our site.

Thank you!

Homes For Vets Program In Action

main room and kitchen in home rehabbed by AHF
New home owners through the AHF Homes For Vets program, Errol & Joann Heath With Realtors Ken Falvey & Squire Wells.

New home owners through the AHF Homes For Vets program, Errol & Joann Heath With Realtors Ken Falvey & Squire Wells.

Errol and Joann Heath became new homeowners through the Homes For Vets Program when they closed on their new home in Cape Coral, Florida, rehabilitated and sold by Affordable Homeownership Foundation, Inc.

See pictures of the newly rehabbed property here.

New Online Classes For First Time Home Buyers

AHF offers online First Time Home Buyer Education Classes through

New Online Classes For First Time Home Buyers

Now you can learn all you need to know to buy your first home with more convenience than ever.

Affordable Homeownership Foundation, Inc, has selected to deliver online home buyer education classes to people in our area who would like to be thoroughly prepared to buy their own homes.

Online education classes allow you to set your own schedule and attend wherever you have internet access.

Learn how to:

  • Shop for a home
  • Secure a mortgage loan
  • Maintain your home

Announcing our newest program for Veterans – Homes For Vets

Announcing our newest program for Veterans – Homes For Vets

In partnership with Bank of America and the National Community Stabilization Trust, Affordable Homeownership Foundation, Inc. is working to provide low cost homes to U.S. Military Veterans who are disabled and/or low-to-moderate income.

This housing initiative provides eligible veterans with the opportunity to buy at a discount a renovated foreclosed home.

Learn more and download the application form here.