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Oregon Housing and Community Services

Sponsoring Jurisdiction MIRL Toolkit

OHCS encourages cities and counties (sponsoring jurisdictions) to apply for the Moderate-Income Revolving Loan (MIRL) Program. Sponsoring jurisdictions can use this toolkit to prepare their own MIRL application. In this toolkit, you will find helpful information, templates, checklists, and forms that can be tailored to the needs of each sponsoring jurisdiction.

Affordability tools

How to determine home sale prices

The following rent and income limits are based on the CDBG-DR 120% Income Limits published by HUD on June 1, 2025. Utility allowances must continue to be deducted from rents to achieve the maximum tenant rents allowed. Please note that all definitions and explanations herein may be subject to change upon later IRS and/or HUD clarification.

MIRL Stakeholder Responsibilities

Explore the key responsibilities and tasks of each stakeholder in the Moderate-Income Revolving Loan (MIRL) Program including sponsoring jurisdictions, county tax officers, and developers.


MIRL Stakeholder Checklist

Originating Ordinance

After identifying the unique housing needs that would need to be factored into a local MIRL program, sponsoring jurisdictions establish local control by passing an originating ordinance. This ordinance should define local site approval, provide a draft of a compliance plan, and specify the utility allowance.

Originating Ordinance Template

Initiate a master agreement

Before a sponsoring jurisdiction can submit a program loan request, they must adopt an ordinance or resolution and enter into a master agreement with OHCS. If the sponsoring jurisdiction is a city, an executed intergovernmental agreement (IGA) between OHCS and the county must be in place before a master agreement is executed with the city.

Note: An IGA with the county will be initiated by OHCS when the master agreement process is started by the corresponding sponsoring jurisdiction. Originating ordinances / resolutions must be adopted prior to initiating a master agreement.

Initiate Master Agreement

File an Intent to Apply

Sponsoring jurisdictions will submit an Intent to Apply form upon provisional approval of a project application. The Intent to Apply notifies OHCS that the sponsoring jurisdiction wants to request a program loan from OHCS.

Note: An Intent to Apply will not be accepted unless the sponsoring jurisdiction has an executed master agreement with OHCS.

Submit an Intent to Apply form

Program Loan Request Checklist

Use the checklist below to gather the necessary information when submitting a request for MIRL funds to OHCS. This checklist and these forms will be made available in the Procorem WorkCenter.

  • Provisionally Approved Application
    • Include organization and developer staff lead contact information
  • Determination on the applicability of Fire District Fees

  • Program Loan Request form

    • Sponsoring Jurisdiction staff lead contact information
    • Amortization Schedule

  • Pro Forma (including project costs, uses, and construction timeline) – These are different for rental vs. homeownership projects

  • Site Control Verification:OHCS requires verification of sponsoring jurisdiction site control for MIRL projects. This can be provided through any of the following documents:
    • Option to purchase
    • Purchase and sale agreement
    • Copy of the deed
    • Appraisal
  • Executed copy of the Master Agreement
  • Ownership Integrity form: This form must be completed by the development project team certifying that members have not engaged in activities such as fraud, non-compliance, or bankruptcy that would disqualify them from receiving public funding for housing development. The form ensures the integrity and reliability of the team managing the project.
  • BOLI prevailing wage determination letter
    • OHCS requires all MIRL Projects to obtain a BOLI Determination Letter to be submitted with the Provisionally Approved Application. Please submit a written request for a determination to BOLI at pwr.email@boli.oregon.gov. The BOLI website has more guidance on what to include in the request.
  • Compliance narrative explaining how the compliance plan will be used for this project
  • Affirmatively Furthering Fair Housing Marketing Plan or an equivalent

Sponsoring Jurisdiction Annual Report

Sponsoring jurisdictions are required to submit an annual report and program of certificate of compliance to OHCS with updated financials and outcomes of their MIRL program annually.

OHCS is committed to providing meaningful access. If you need these documents in another format, language or additional accommodations, please email MIRL@hcs.oregon.gov.

Additional Guidance and Templates

  • Underwriting guidance: When a Sponsoring Jurisdiction reviews a MIRL project application, it can refer to the underwriting guidance to understand what factors to evaluate and consider during the review process.
  • Grant agreement template: This grant agreement template can be used between a Sponsoring Jurisdiction and a developer to formalize the award of grant funds for a housing project.
  • Project-specific ordinance template: This ordinance template can be used to formally establish a housing project as part of a Sponsoring Jurisdiction's MIRL Program, enabling the use of grant funds for an eligible housing project.
  • Developer report template: Developers must submit a report each year to the Sponsoring Jurisdiction for as long as the Grant Agreement is active. OHCS provides a reporting template that meets the basic requirements, but Sponsoring Jurisdictions can add their own requirements or use a different format if they prefer.