Low-Income Housing Tax Credit (LIHTC) Options for Florida Renters

Struggling with rising rent or worried about eviction? If you're a renter in Florida searching for affordable housing, the Low-Income Housing Tax Credit (LIHTC) program could help. LIHTC properties offer reduced rents for qualifying tenants, making safe and stable housing more accessible statewide.

What Is the Low-Income Housing Tax Credit (LIHTC) Program?

LIHTC is a federal program that gives tax incentives to property owners who build or renovate rental housing for low-income households. In return, landlords keep rents affordable and set aside units for eligible renters according to income guidelines. Florida’s LIHTC properties are overseen by the Florida Housing Finance Corporation (FHFC), the state's official housing agency.

Eligibility for LIHTC Housing in Florida

To qualify for a LIHTC apartment in Florida, you typically must:

• Earn less than a set percentage of the Area Median Income (often 60% or below; varies by county and property)
• Provide proof of income and household size
• Pass a background and credit check (set by the property)

Landlords cannot charge more than certain maximum rents, which are updated annually by federal guidelines. View current Florida income and rent limits.

How Do I Find and Apply for LIHTC Properties?

Finding open LIHTC properties in Florida is easier with official tools. The FHFC Housing Locator lets you search for available affordable apartments by city or county and apply directly to properties with openings.

Application Process and Forms

When you find a LIHTC property, you must complete their rental application—usually called the "Tenant Application for Residency." Each property manages its own waiting list and may require supporting documents (pay stubs, tax returns, ID).

• Form Name: Tenant Application for Residency (varies by property)
• When & How Used: You'll use the application when seeking to rent a LIHTC unit. For example, if you find an affordable apartment that accepts LIHTC, submit this form (available on-site at each property or their official website).
• Official FHFC Universal Application

What Legal Protections Apply for LIHTC Renters?

Living in a LIHTC property means you have the same rights and responsibilities as any Florida renter. Protections are mainly found in the Florida Residential Landlord and Tenant Act ^[1], which covers security deposits, repairs, evictions, and more.

Disputes or rental issues can often be resolved by contacting the FHFC, or if necessary, by pursuing complaints through Florida’s Division of Hotels and Restaurants, Bureau of Compliance (for habitability or code issues) or filing in county court. There isn’t a specialized rental tribunal, but the courts handle residential matters.

Key Steps to Apply for LIHTC Housing in Florida

Here’s a short guide to get started on your LIHTC housing journey:

• Research available affordable units using the FHFC Housing Locator
• Contact the property manager to ask about availability, eligibility, and waiting lists
• Gather documents (ID, proof of income, family info)
• Complete and submit the Tenant Application for Residency, attaching your verification materials
• Wait for response or follow up if needed; join waitlists if units are full

Each LIHTC community may have its own criteria or forms, so follow their instructions and keep copies of all paperwork.

Frequently Asked Questions for Florida LIHTC Renters

1. What is the maximum income allowed for LIHTC in Florida?
   It depends on county, household size, and the property, but most are capped at 60% of Area Median Income. Check current limits on the HUD income limit tool.
2. How is rent calculated at a LIHTC property?
   Rent is based on your household’s income and the limits set by the LIHTC program. Rent typically cannot exceed a certain percentage of median income for your area.
3. Can I be evicted from a LIHTC property?
   Yes, but only for valid lease violations or nonpayment of rent. Your rights are protected under the Florida Residential Landlord and Tenant Act.
4. How do I file a complaint if I think a LIHTC property isn’t following the rules?
   You can file a complaint with the Florida Housing Finance Corporation, or contact local authorities if related to health or safety.
5. Is there a waiting list for LIHTC units?
   Many properties have waiting lists due to high demand. Apply early and ask to be placed on the waiting list if needed.

Key Takeaways

• LIHTC offers affordable housing options for qualifying low-income renters in Florida.
• Apply through the FHFC Housing Locator and follow each property’s application process.
• Your renter rights are governed by the Florida Residential Landlord and Tenant Act.

Need Help? Resources for Renters

• Florida Housing Finance Corporation: LIHTC Program Overview
• Universal Application for Affordable Housing
• Florida Residential Landlord and Tenant Act (Complete Statute)
• Florida Commission on Human Relations (Discrimination Complaints)
• HUD Fair Housing and Equal Opportunity

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1. Florida Residential Landlord and Tenant Act, Fla. Stat. §§ 83.40–83.683

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