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Revised Discussion Draft Use Districts (Excludes Use Table) - CLEAN

Review and comment on the draft Use Districts

Note: The "clean" and "redlined" versions are identical. The "redlined" version shows changes made since the May 20th draft.

The Revised Discussion Draft Use Districts focus on the use of property. They include use definitions, citywide use standards, and district-specific use standards. The draft includes existing definitions and standards from the Zoning Ordinance, plus new definitions and standards that emerged from ongoing public input. 

Please share any thoughts you have about the Revised Discussion Use Districts with us. Your comments will be used to shape the future drafts of ATL Zoning 2.0.

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in reply to SiteAdmin's comment
Question
I would think that the City would like to ensure that its zoning laws do not preclude homeowners from obtaining access to the most favorable mortgage rates and loan provisions. The question is, has anyone in CPD discussed with the largest buyers of residential mortgage loans how a single-family house with an attached ADU will be treated under the mortgage loan underwriting standards. What requirements, if any, would these government sponsored agencies, and their regulator, have to offer the most advantageous terms to these homeowners? I'm concerned that there are no unintended consequences.
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in reply to dimmickph's comment
Answer
From a zoning perspective, it's about size. With ADUs, the accessory unit is "subordinate" to the main unit (i.e., much smaller than). In duplexes, both units are generally the same size. For zoning, attached ADUs typically may not have a door on the front of the house - they must be off the side or rear.
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Question
What is the difference between a single-family house with an attached ADU and a two-family house where one unit is 850 sq.ft. or less? The characterization is critical when applying for a mortgage loan to be underwritten to Federal Home Finance Agency standards. In Oct. 2024 FHFA permitted single-family home with detached ADU to be a conforming loan and permitted 50% of rental income to be eligible income. My friends in mortgage banking want to consider the home with the attached ADU to be a two-family structure because FHFA underwriting standards will treat 75% of rental income to be eligible income. Has anybody spoken with FHFA, Ginne Mae, Fannie Mae, Freddie Mac or the Federal Home Loan Bank of Atlanta about this?
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