HOMES FOR HEROES

The Delaware War Veterans Sustainable Housing, Counseling, & Employment Facility

Proposal by: Home One LLC, Metuchen NJ

East Camden Development Assoc., Dover DE The Enlil Institute, Inc., Dover DE

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TABLE OF CONTENTS I. EXECUTIVE SUMMARY A. The Development Plan B. Schedules & Deadlines C. Placement of Proposed End-Users D. Financials II. PROJECT BACKGROUND & RATIONALE A. Land Description & Ownership B. The Context of Ikeja, Lagos State, Nigeria C. Project Potentials Prior to 2008 (a) Expanded Hotel Resort (b) Residential Development with Sports Club (c) Guesthouse & Residential Development with Large Nature Park D. More Diversified Commercial & Residential Development (a) The Importance of Increased Diversification (b) Why Housing Must be an Anchor III. DESIRABLE SITE LAYOUT A. The General Plan B. Building Descriptions & Potential Income C. Benefits of the Proposed General Plan IV. SUITABLY GREEN INFRASTRUCTURE A. Roads B. Water C. Solar Electricity D. Landscaping E. Stormwater Basin V. FINANCIAL COMPARISONS & PROJECTIONS A. Making the Investment B. Recouping the Investment

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I. EXECUTIVE SUMMARY
A. The Development Plan This Proposal is for the grant-funded construction of thirty-five solar-powered homes and a community center in Dover, Delaware for returning Iraq & Afghanistan war veterans. These houses would: (a) provide high-quality homes, at prices, and with small mortgages the returning veterans could afford; (b) reduce the cost of living to a level that the veterans could afford by eliminating electricity, gas and oil bills; (c) provide wounded and handicapped veterans with homes that are handicap accessible, or otherwise suited to the special needs of the returnees; (d) situate the returning veterans in a residential community that has a common understanding of the special social needs of veterans, and can provide the level of moral support for each other to make the transition to civilian life easier; (e) establish a community that can serve as the focal point for the delivery of services to veterans, the handicapped, servicemen-in-transition, and for other special needs of returnees. The community center would: (a) host job-skills training programs to provide servicemen-intransition with the capabilities needed to obtain employment in the civilian sector; (b) host preventive health-care clinics and programs to reduce the risk of preventable diseases among veterans and their families; (c) host career counseling sessions and programs for both groups and individuals; (d) host marriage and family counseling sessions to assist veterans and their families with the difficulties families might have adopting a returnee back into a civilian environment; (e) provide the veterans with a place the could visit at their leisure to get information of assistance on veterans benefits without having to go through the environment of a military base or office; (f) provide veterans with a place outside of the home or base, where they can relax, watch television, play games, surf the web, read, or just chat with other veterans. In the two most likely scenarios, the Development Partner would spend approximately N8.53 billion to erect around 19 commercial buildings, 100 luxury homes, and 100 3-bedroom apartments. SCENARIO A: The more profitable option for the short-term is for the Development Group to sell the 100 luxury homes and 4 of the smaller commercial units for an immediate income of N6.8 billion, and a net residual income of N265.5 million per annum. This strategy reduces the Development Partners long-term investment to just N2.3 billion, and enables it to recover its investment at a rate of 10% per annum. After ten years, when the Development Partner has been fully reimbursed its principal, the Landowner will be able to begin collecting N132.5 million per annum from the Developments rental income. Assuming the current undeveloped vacant land value of the entire site is about N10 billion, then the Landowners rate of return will be about 1.32% per annum. SCENARIO B: The more profitable option for the long-term is for the Group not to sell any units, and maintain a net residual income of N393.5 million per annum. This strategy keeps the Development Partners long-term investment at N8.53 billion, and its rate of return at 4.6% per

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annum. After twenty years, when the Development Partner has recovered its principal, the Landowner will begin collecting N196.75 million per annum in rental income. Assuming the current land value of the site is about N10 billion, then the Landowners rate of return will be about 1.97% per annum. B. Schedules & Deadlines In terms of deadlines and schedules: (a) the Task Force should complete their comments and edits of this recommendation for the site development and end-usage, and solicit bids from potential development partners within the next five months, ending April 15th, 2009; (b) the Task Force should review the bids submitted, choose a final development plan and partner, and expedite the processing of municipal permits and approvals within the following two months, ending June 15th, 2009; (c) the Development Partner should break ground on the development within the following five months, ending November 15th, 2009.

C. Placement of Proposed End-Users

D. Financials

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PROJECT SUMMARY We are seeking financing to facilitate the construction and rehabilitation of the 35 homes that will serve as primary and supportive housing for, and provide rental subsidies for the project which proposes to house up to 35 veterans and their families or up to 140 veterans as single room occupancies (4 veteran residents per home).

Rationale
This project seeks to tackle a dual challenge faced by the local Dover-Camden, Delaware economy and its surrounds; that is to provide affordable and sustainable housing for returning Iraq and or Afghanistan war veterans in a manner that is commensurate with and able to satisfy the unique needs of this community, while simultaneously providing a much needed boost to the local and regional economy as well as become a catalyst for longer-term benefits to blighted neighborhoods, the community at large and the environment in general by providing green jobs in construction and other complementary services that reduce energy use and globalwarming emissions.

With President-elect Barack Obama and Vice-President elect Joe Biden having outlined a plan to revitalize the economy, this project seeks to take these outlines a step further to implementation. 1. Immediate Action to Create Good Jobs in America by inaugurating the Delaware Veterans Sustainable Green Housing Assistance Project which will encampus construction of 42 single family homes all fitted with the best most efficient and effective highest rated LEED statndard rated appliances, energy saving construction materials, green building techniques, waste management & removal, recycling for building materials, and energy output saving homes while employing over 100 vendors in the construction supply chain and therefore providing jobs and income for all from banks, to the city, state and county in permits dues, taxes, and a model green development with community center providing educative seminars on green technology, energy savings

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techniques, volunteer efforts within the community, for job retraining skills, retooling for a new changed economy, etc 2. Immediate Relief for Struggling Families in new jobs in the new green economy. 3. Direct, Immediate Assistance for Homeowners, Not a Bailout for Irresponsible Mortgage Lenders mortgage assistance, and incentives and refinancing assistance from the NW bank as the beneficiary of the new 5 million grant for the acqisition of the land. 4. A Rapid, Aggressive Response to Our Financial Crisis, Using All the Tools We Have To provide sustainable and affordable housing with supportive service options for returning Iraq and or Afghanistan war veterans that allows them to live independently but in an environment that provides support activities that enhance the quality of their lives by easing the reintegration process into their home communities, by providing assistance with career, job skills, and placement training for Iraq and or Afghanistan war veterans. These Activities of Daily Living (ADLs) may include personal care tasks such as family counseling and physiotherapy to name but a few. Such in-home assistance is termed "supportive services." The project seeks to achieve as its primary objective four main areas: 1. Make it easier for returning Iraq and or Afghanistan war veterans to reintegrate into the Community. 2. To help returning Iraq and or Afghanistan war veterans stay active and healthy as possible. 3. To support the returning war veterans community and more especially their families ability and efforts to support their loved ones, 4. To promote an efficient, effective and sustainable community that is resident-centric and sensitive to growing environmental concerns, and 5. To promote jobs, career guidance and skills transfer training among returning veterans and the community within which they live. PROJECT PRINCIPLES Guiding PrincipleLOT DESIGN, PREPARATION, AND DEVELOPMENT Resource-efficient site design and development practices help reduce the environmental impacts and improve the energy performance of new housing. For instance, site design principles such as saving trees, constructing onsite storm water retention/infiltration features, and orienting houses to maximize passive solar heating and cooling are basic processes used in the design and construction of green homes. Guiding PrincipleRESOURCE EFFICIENCY Most successful green homes started with the consideration of the environment at the design phasethe time at which material selection occurs. Creating resource efficient designs and using resource efficient materials can maximize function while optimizing the use of natural resources. For instance, engineered wood products can help optimize

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resources by using materials in which more than 50% more of the log is converted into structural lumber than conventional dimensional lumber. Guiding PrincipleENERGY EFFICIENCY Energy consumption has far-reaching environmental impacts: from the mining of fossil-fuel energy sources to the environmental emissions from burning non-renewable energy sources. And each home consumes energy year after year, meaning that the environmental impacts associated with that use accrue over time. Therefore, energy efficiency is weighted heavily in a green building program. Guiding PrincipleWATER EFFICIENCY The mean per capita indoor daily water use in todays homes is slightly over 64 gallons. Implementing water conservation measures can reduce usage to fewer than 45 gallons. For this reason, green homes are especially welcomed in areas affected by long- and short-term drought conditions. Guiding PrincipleINDOOR ENVIRONMENTAL QUALITY Healthy indoor environments attract many people to green building. After energy efficiency, the quality of a homes indoor air is often cited as the most important feature of green homes. Pam Sessions, president of Hedgewood Properties in Atlanta, said during the 2002 National Green Building Conference that the majority of people interested in green homes in the Atlanta market indicated that indoor air quality was their top issue of interest.

Guiding PrincipleOPERATION, MAINTENANCE, AND HOMEOWNER EDUCATION Improper or inadequate maintenance can defeat the designers and builders best efforts to create a resource efficient home. For example, homeowners often fail to change air filters regularly or neglect to operate bath and kitchen exhaust fans to remove moist air. Many homeowners are unaware of the indoor environmental quality impact of using common substances in and around the house such as pesticides, fertilizers, and common cleaning agents. By providing homeowners with a manual that explains proper operation and maintenance procedures, offers alternatives to toxic cleaning substances and lawn and garden chemicals, and points out water-saving practices, a builder can help assure that the green home that was so carefully built will also be operated in an environmentally responsible manner. Guiding PrincipleGLOBAL IMPACT

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There are some issues related to home building and land development that do not fit neatly into the context of the aforementioned guiding principles. For these items that are a by-product of home construction, we have added a separate principleglobal impact. One example of an issue having global impact is the selection of paints that contain relatively low or no volatile organic compounds (VOCs). Although the VOC content of paint is often considered for indoor environmental reasons, the vast majority of VOCs are released by the time the paint is dry. Guiding PrincipleSITE PLANNING AND LAND DEVELOPMENT The process of green home building should not stop at the house. If a builder is also involved in the development of the community, site planning and land development can be part of the process. Therefore, information about low-impact site planning and land development is included in Appendix A. Considering the entire community and existing infrastructure in addition to the individual building(s) can amplify the benefits of green home building. For example, by improving a subdivisions storm water management plan and preserving natural resources through careful design and construction practices, a builder can influence not only the resource efficiency of each particular house but also the entire subdivisions overall environmental impact. Lowimpact development (LID), which uses various land planning and design practices and technologies to simultaneously conserve and protect natural resources and reduce infrastructure costs, is one way to approach green development.1 Guiding PrincipleSUPPORTIVE CARE AND ASSISTANCE TO WAR VETERANS IN NEED

BACKGROUND A. NEEDS ASSESMENT 1. President elect Obama has demonstrated its commitment to a responsible and timely drawdown of U.S. troops from Iraq. Such action on the part of the administration will trigger a whole host of necessary events at home for which this proposals offers some timely solutions.

NAHB Green Homebuilding Guidelines, National Association of Home Builders, Washington, DC 2006, p.1-4

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2. According to our research, at least ten percent (10%) of the troops who complete their tours of duty from Iraq end up staying in Dover. 3. A much higher percentage than this will on returning, not be able to afford off-base housing, much less be adequately equipped to meet the challenges of a fully integrated return to civilian life after they complete their tours. B. DESCRIPTION OF PROJECT LOCATION Dover, Delaware The City of Dover is located in Central Delaware in Kent County and is the capital of Delaware. Dover is approximately 90 miles south of Philadelphia, PA, and 90 miles east of Washington, DC. While its population is significantly less than that of Wilmington, Delaware, Dover encompasses a larger area than any other city on the Delmarva Peninsula. In contrast to most major cities in the Northeast United States, Dover is continuing to grow economically, in population, and in land area. The City has an estimated population of 34,120 and a total land area of approximately 26,000 acres. The City of Dover was founded in 1683 by William Penn. In 1717, it was officially laid out over an area of 125 acres by a commission of the Delaware General Assembly. It grew nearly 1,000 acres in size by 1960. The greatest periods of expansion in Dover occurred in the years following World War I and World War II. Completion of the Dupont Highway throughout the length of Delaware in 1924 acted as a catalyst. Between 1925 and 1936, Dover's limits were extended and its infrastructure improved. The firm, International Laytex Corporation, came to Dover in 1937 and was the first major nonagricultural industry in the City. It has since become a major source of employment in the area.

In the years immediately following World War II, the City of Dover acquired lands for the construction of an airport. This land was developed and activated during World War II as the Dover Air Force Base. Following the war, personnel at the base was reduced to a housekeeping unit until reactivated by the Military Air Transport Service in 1954. Since that time, it has developed into one of the largest military freight terminals in the world and is home to the 436th and 512th Airlift Wings. Today Dover is a thriving community. Residential, commercial, industrial, and institutional development continues at a stable rate. Dover supports four school districts and five colleges. The Dover Public Library and the Delaware State Library are available to residents at no charge. Thirteen major employers provide a diversity of employment opportunities from government to manufacturing. Dover's citizens are protected by a professional police force of over 85 uniformed officers. Fire protection is provided by a volunteer fire department, Robbins Hose Company.

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Shopping Delaware is well-known as having tax-free shopping and many people from neighboring states flock to Delaware when making purchases thanks to our tax-free status. Various merchants are available for your shopping pleasure throughout Downtown Dover and national chains at the Dover Mall. Whether buying clothes for school or a new car, the advantages are unlimited and savings pile up quickly. Performing Arts Nestled inside the many historical buildings in Downtown Dover is the Schwartz Center which was reopened in October, 2001 after an extensive modernization and expansion from its roots as the Dover Opera House. The Center offers a variety of shows, such as comedy acts, weekend runnings of "Family Films and Classics" and the Dover Symphony among other performances. History and Culture Every year numerous events are held around the City, ranging from fireworks on July 4th, Art Festivals, and Christmas Caroling on the Green to ethnic parades such as St. Patricks Day and the African American Festival. Interested? All of our events are available on the community calendar. The First State Heritage Park is the state's first "park without boundaries". It links historical and cultural sites in the capital city of Dover. Major park sites are open throughout the week. NASCAR Every year during the NASCAR season the population of Dover expands from 30,000 to 200,000+ with tourists from across the United States. With premium hotels available and RVs abound, Dover, Delaware is truly a flagbearer for NASCAR and their fans every June and September. History and current events Dover was founded as the court town for newly established Kent County in 1683 by William Penn, the Proprietor of the territory generally known as the "Lower Counties on the Delaware." Later, in 1717, the city was officially laid out by a special commission of the Delaware General Assembly. The capital of the state of Delaware was moved here from New Castle in 1777 due to its central location and relative safety from British raiders on the Delaware River. The city's central square, known as The Green, was the location of many rallies, troop reviews, and other patriotic events. To this day, The Green remains the heart of Dover's historic district and is the location of the Delaware Supreme Court and the Kent County Courthouse. Dover was most famously the home of Caesar Rodney, the popular wartime leader of Delaware during the American Revolution. He is known to have been buried outside Dover, but the precise location of his grave is unknown. A cenotaph in his honor is erected in the cemetery of the Christ Episcopal Church on The Green in Dover. Dover and Kent County were deeply divided over the issue of slavery and was a "stop" on the Underground Railroad, due to its proximity to slave holding Maryland and free Pennsylvania and

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New Jersey. It was also home to a large Quaker community that encouraged a sustained emancipation effort in the early nineteenth century. There were very few slaves in the area, but the institution was supported, if not practiced, by a small majority, who saw to its continuation. Geography Dover is located at 39943N 753136W (39.161921, -75.526755). According to the United States Census Bureau, the city has a total area of 22.7 square miles (58.8 km), of which, 22.4 square miles (58.0 km) of it is land and 0.3 square miles (0.8 km) of it is water. The total area is 1.32% water.2 Demographics In 1890, 3,061 people lived in Dover; in 1900, 3,329; in 1910, 3,720; and in 1940, 5,517. As of the census of 2000, there were 32,135 people, 12,340 households, and 7,502 families residing in the city. The population density was 1,435.0 people per square mile (554.1/km). There were 13,195 housing units at an average density of 589.2/sq mi (227.5/km). The racial makeup of the city was 54.94% White, 37.22% Black or African American, 0.45% Native American, 3.16% Asian, 0.04% Pacific Islander, 1.57% from other races, and 2.62% from two or more races. 4.13% of the population were Hispanic or Latino of any race. There were 12,340 households out of which 30.0% had children under the age of 18 living with them, 40.4% were married couples living together, 16.7% had a female householder with no husband present, and 39.2% were non-families. 31.4% of all households were made up of individuals and 10.6% had someone living alone who was 65 years of age or older. The average household size was 2.35 and the average family size was 2.98. In the city the population was spread out with 23.5% under the age of 18, 15.7% from 18 to 24, 27.9% from 25 to 44, 19.5% from 45 to 64, and 13.3% who were 65 years of age or older. The median age was 33 years. For every 100 females there were 88.9 males. For every 100 females age 18 and over, there were 85.1 males. The median income for a household in the city was $38,669, and the median income for a family was $48,338. Males had a median income of $34,824 versus $26,061 for females. The per capita income for the city was $19,445. About 11.5% of families and 13.8% of the population were below the poverty line, including 19.6% of those under age 18 and 10.4% of those age 65 or over.3 Camden, Delaware Camden is a town just south of Dover the state capital and is in Kent County, Delaware and is part of the Dover, Delaware Metropolitan Statistical Area. The population was 2,100 at the 2000 census including 835 households, and 573 families residing in the town. This figure has increased significantly due to the real estate boom Kent County and in particular Camden
2 3

US Gazetteer files: 2000 and 1990," United States Census Bureau (2005-05-03).
American FactFinder". United States Census Bureau.

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witnessed over the last four years after the census. The population density after the last census was 1,130.9 people per square mile (435.9/km). There were 886 housing units at an average density of 477.1/sq mi (183.9/km). The racial makeup of the town was 76.67% White, 18.00% African American, 0.81% Native American, 1.38% Asian, 0.14% Pacific Islander, 0.90% from other races, and 2.10% from two or more races. Hispanic or Latino of any race were 2.90% of the population.4 Of 835 households, 35.1% had children under the age of 18 living with them, 50.2% were married couples living together, 15.3% had a female householder with no husband present, and 31.3% were non-families. 24.1% of all households were made up of individuals and 8.4% had someone living alone who was 65 years of age or older. The average household size was 2.51 and the average family size was 3.02. In the town the population was spread out with 27.0% under the age of 18, 9.1% from 18 to 24, 30.7% from 25 to 44, 21.6% from 45 to 64, and 11.6% who were 65 years of age or older. The median age was 36 years. For every 100 females there were 90.9 males. For every 100 females age 18 and over, there were 83.3 males. The median income for a household in the town was $47,097, and the median income for a family was $50,347. Males had a median income of $32,154 versus $25,261 for females. The per capita income for the town was $21,113. About 1.8% of families and 4.9% of the population were below the poverty line, including 4.7% of those under age 18 and 2.4% of those age 65 or over.5 The State of Delaware Dover Airforce Base, Dover DE

The Local Housing Market in Dover-Camden Area The most recent City of Dover Comprehensive Development Plan 2008 lists as its housing and community development goals as follows: a. The encouragement of balanced housing opportunities for all income levels and phases in life; b. The preservation of existing housing stock; c. The provision of safe livable neighborhoods for all Dover citizens, and d. The provision of homeownership opportunities for low/moderate income citizens.
4 5

United States Census Bureau, Year 2000 Census statistical report (2005-05-03) Retrieved on 2008-01-31 See Wikipedia reference Camden, Delaware at http://en.wikipedia.org/wiki/Camden,_Delaware

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As a result of a combination of events precipitated initially by the nationwide sub prime mortgage collapse which had a drastic effect on the hitherto for booming real estate sector, the residential real estate market in and around the County of Kent including Camden has experienced a marked depreciation in real estate values both residential and commercial. The spectacular if unexpected meltdown has created both challenges and new opportunities which the in-coming administration of President-elect Obama has sought to exploit in order to kick-start local, regional and the national economy. By virtue of the fact of the Dover/Camden location and proximity to the Dover Airforce Base, its comparative advantage in terms of pricing and competitiveness, local municipal, county, and state government progressive policy and attitude towards community and environmental programming and ready access along the northeast corridor, we consider it a natural choice for the premier site for returning war veterans sustainable housing assistance program. The returning Iraq and Afghanistan war veterans population is different from the returning veterans population of the Vietnam war era. This difference has brought with it new challenges to public housing providers. These veterans are faced with additional challenges in an economy that is in a severe recession making everyone poorer and less able to assist veterans in reintegrating comfortably into society. As a result of the decline in taxbase from which to receive revenues on which community support programs are based, the needs of not only the larger population is increasing, but so too are the ability of housing authorities to provide appropriate and comfortable housing facilities is decreasing. Public housing did not originally target returning war veterans, and in a time of increased layoffs, rising record unemployment and foreclosures, not to mention bankruptcies and industry wide collapses, veterans face increased pressure and resentment from fellow citizens who are competing for scarce resourses and services. Throughout the 1960s and 1970s, a large number of developments were built specifically for low-income tenants and seniors. With very few exceptions, these were traditional apartments. While adequate for the majority of low-income tenants and older residents, this housing does not provide the flexibility to allow residents like returning war veterans to adjust in a comfortable caring environment that provides supportive care as needed. Most developments are simply not equipped to meet the residential and supportive service needs of a special needs community like returning veterans and their immediate families. Without such services, the only alternative can be to move veterans into costly, isolated institutions causing isolation, feelings of rejection, and devastation brought on by unnecessary institutionalization. Higher oil pricing throughout the summer and fall of 2008 has been the driving force behind the need to look for alternative solutions to our growing energy needs and reliance on fossil fuels,

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and rising energy costs both to business and to residential communities. Delaware state has been by virtue of her smart congressional and community leadership been at the forefront of seeking out alternative energy regimes including solar, wind, green home construction, and other forms that will eventually benefit the American public in general and returning Iraq war veterans specifically.

C. DESCRIPTION OF HOMES TO BE BUILT PROJECT LOCATION The project location is split between two sites. The first is located in Camden DE, roughly two miles south of the City of Dover and within half a mile of the Camden Super Walmart Center, a ten minute drive from Kent General Hospital, and within easy reach of Dover Downs Casino and racecourse, several scenic outdoor parks, Dover Airforce base and several golf courses. The second is located within the City of Dover limits a leisurely half mile from Delaware Technical Institute, Wilmington University, and Delaware State University, and just over a mile from Dover Downs Casino, the Dover Mall and the downtown area.

SITE SURVEYS

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ARCHITECTURAL DRAWINGS Of the two county approved home models for construction on this site, the best suited for the returning Iraq and Afghanistan war veterans is the Isabella model that is larger and allows for more energy savings in design, construction and home management, thus leaving a smaller environmental footprint over the life of the structure.

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ARCHITECTURAL DRAWINGS At the Somerset park site which is approximately 7.5 acres in size, there are two home construction models approved for construction. They include the Padmore, a ranch style single family home and the Nonnie, a two-storey single family home model. See architects rendering of both homes with front, back, and side elevations below.

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Resource-Efficient Features These decisionsfrom home size, to orientation on the lot, to floor plan layoutare made in the design of your home and development of the lot. The house orientation and design will take advantage of natural daylight to reduce lighting needs, and will also implement strategies to reduce heat gain in the summer and heat loss in the winter. The homes will off-course contain renewable materials, including rapidly-renewable wood species such as bamboo, and recycledcontent materials in carpets, tiles, and concrete formulations to maximize these energy efficiencies for optimum benefit of households, the community, and the environment.

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FEATURES OF GREEN HOMES TO BE BUILT Water-Efficient Features Fixtures and appliances such as low-flow showerheads, faucets, and toilets, and ENERGY STAR dishwashers and washing machines all conserve water. Programmed, low-volume irrigation systems, rainwater collection systems, wastewater treatment systems, and hot water recirculation systems also save water.

25% of every American household energy dollar is spent producing domestic hot water which means that nationwide more residential energy is consumed by domestic hot water than on anything but heating, and air conditioning. Due to inherent efficiencies natural gas and propane gas are much more efficient, smarter choices for heating water besides solar. Based on national fuel price averages of $1.46/ccf and $0.09/kwh, the cost/100,000 BTU's is $1.46 for natural gas and $2.64 for electricity. Just under 60% of North American households have access to natural gas, while propane gas is available to almost everyone and is still a better value than electricity. Modern gas fired tankless water heaters are the
best alternative available to todays homeowners to reduce their residential energy consumption. A typical gas fired tankless water heater costs about 2-1/2 times as much as a standard tank water heater. However it will pay for itself in just a few years or less, and will last twice as long a tank.

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Camden, DE home with photovoltaic solar panels installed

The project specs will include installation of, within every home: 1. A main solar heated tank to provide year-round warm water, and then use a instantaneous or "tankless" water heater near each point of hot water use. 2. Low-flush toilets, 3. Well insulated hot water piping, 4. Low-flow shower heads and faucets, 5. Dishwashers and clothes washers that have "water-miser" features are all important to lower home water use, and as an additional feature Homes for Heroes

6. Use of plumbing planned so that the shortest possible length of pipe runs from the water heater to each hot water using device or tap. Indoor Air Quality Features The heating, air conditioning and ventilation system (HVAC) will be appropriately sized for an efficient and properly ventilated home. Fans in the kitchen and bathrooms will be installed and tested to ensure fresh air cycling inside, and release of stale air outside. Low-VOC paints, construction adhesives, and finishes and wall papers will also be used as well as construction techniques to prevent Radon/soil-gas entry. Low Formaldehyde emitting manufactured wood products and carpeting that is tested and labeled for low emissions, installed along with low emission padding materials. Lastly, steps will be taken in design and construction to prevent excess moisture to avoid rot, mold and mildew

Outside the Home In a green home, care should be taken to preserve trees and other vegetation native to the area. Landscaping should contain plants that are appropriate for the climate, and grouped according to water needs. Driveways and other impervious surfaces should be reduced as much as possible, and may be composed of gravel, permeable block pavers, grids, or other permeable systems.
Maintain wildlife habitat. Intent: As the frontier of home building continues to expand, sharing the land with wildlife becomes an increasing challenge to builders. Through individual initiative or participation in a wildlife conservation program, home builders can work to create a habitat where both wildlife and humans can thrivewhether in an urban, suburban, or rural setting. Information / How to Implement: (Extra points) Participate in a wildlife conservation program. Examples of programs: USDA National Resources Conservation Services Backyard Conservation Plan, the Audubon Cooperative Sanctuary Systems Treasuring Home Initiative, or the National Wildlife Federations Backyard Wildlife Habitat Program. Enhance quality of habitat, including food sources, diversity of habitat, and protective areas, through selective plantings and site design.

Leave snags (dead tree or portion thats left for habitat). Provide birdhouses.

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Energy-Efficient Features Many of the energy-efficient qualities of a green home are easy to spot. Appliances, windows, and water heating systems will likely have ENERGY STAR ratings. The home should also include efficient lighting fixtures and bulbs. Renewable energy sources, such as photovoltaic electricity and water heating systems, further decrease the overall energy consumption within the home.

TYPES OF FINANCING Homes for Heroes

1. CRITERIA 2. APPLICATIONS The project is seeking local municipal, city, county, state and federal government grants to finance the development of a total of 35 4-bedroom energy-efficient or green houses to serve as supportive housing for returning Iraq and or Afghanistan war veterans. The homes will be designed and built exclusively to function as homes for low-income veterans and or veterans with families in the Dover - Camden, DE community. The Project will also be seeking rental assistance funds to cover the difference between the HUD-approved operating cost for the project and the tenants' contribution towards rent.

PROJECT PARTNERS The project has four (4) sponsors. They include; 1. 2. 3. 4. The East Camden Development Association (ECDA), Seabrook Village Home Owners Association, G&J Development, LLC, and Delta Acquisitions on Lochmeath Way, LLC

The East Camden Development Association (ECDA) is a non-profit organization formed in 2004 by its local residents, to promote a safe community, clean environment and friendly neighborhoods. In November of 2006 we expanded that mission to include the development of the skills, references and certifications our citizens would need to advance their economic standing. In 2008 we further expanded our community mission and outreach to encampus activities that involved the elderly and or senior citizens in the community with our Adopt a Grandparent program. To that end, for the past two months we have hosted small and irregular seminars for senior citizens and the elderly health and wellness Courses. With the rapidly changing demographics of the state of Delaware with the dramatic influx of retirees, the ECDA community program outreach sessions began to notice the need for specific and targeted lowincome housing for the elderly vulnerable members of our community. 5. G&J Development, LLC G&J Development, LLC is a real estate construction and development company incorporated in 2007 with the principal
partners comprising real estate Developers with a wealth of real estate experience, in New York, New Jersey, Delaware, Maryland, the District of Columbia and North Carolina. One of the Principals, Jerry Salomone has very broad real estate experience crucial to the projects success. Having successfully developed and designed

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communities for over forty years including communities in ..Mr. Salomone has designed, bought, renovated and sold residential homes on speculation since 1950s, He was the Design and Construction Supervisor, and Senior Partner of several construction joint ventures where he purchased vacant lots, obtained subdivision approvals and building permits, built and sold over 100 condominums in Hilton Head, North Carolina in the 1980s. He is currently the General Manager of HomeOne LLC in Metuchen, NJ.

Section II. Proposed Project Description 1. Veterans Psychic Counseling Services

2. Veterans Physiotherapy Sessions 3. Returning Veterans Career Counseling

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4. Veterans Family Counseling Services

5. Energy Efficient Green Sustainable Subsidized Housing

Section III. Proposed Project Budget

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ACQUISITION & CONSTRUCTION BUDGET

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