Current Real Estate Issues
Aspire North’s Priority Issues for 2021:
Housing Availability & Affordability
Reasonable Regulation of Short-Term Rentals
Infrastructure Support & Development — Including High-speed Internet/Internet Connectivity
Updates on Current Issues
Support REALTOR Champions in the Aug. 2nd Primary
With the support of Aspire North REALTORS members, through candidate interviews, Michigan REALTORS has endorsed the following candidates in the August 2nd Primary Election in our region:
Michigan State House of Representatives
101st - Diane Schindlebeck
103rd - Rep. Jack O’Malley
104th - Rep. John Roth
Michigan State Senate
32nd - Senator Jon Bumstead
36th - Rep. Michele Hoitenga
37th - Rep. John Damoose
View all candidates in local challenged primary races (two or more candidates for the Democratic or Republican Nomination) here.
Not sure what candidates may be on your ballot on August 2nd? Check out mi.gov/vote to view your August 2nd ballot, check your voter registration status, find your polling location, apply for an absentee ballot and find answers to other election questions.
As of 11/18/2021 | The Antrim County Board of Commissioners approved the hiring of Aspen Wireless Technologies, Inc (see page 74 of the October 7th Antrim County Board of Commissioner Meeting). Antrim County is working with Aspen Wireless Technologies, Inc (Aspen) through the end of 2021 with the hope to have a project ready for the Board to approve and break ground on in the spring of 2022. Currently, Aspen is working on the mapping phase of the project that will ultimately drive the cost calculations. The Antrim County staff is evaluating and putting the finishing touches on the request for proposals (RFP) language submitted by Aspen and will be released shortly. Antrim County staff will be continuing to hold meetings with the Northern Lakes Economic Alliance (NLEA) Broadband Consortium staff to stay abreast of any new developments in funding and partnership opportunities. You can view the November 18th Antrim County update HERE on page 58.
As of 7/20/2021 | At the July 20th Antrim County Economic Development Corporation (EDC) meeting (see page 42 of the Antrim County EDC July 20th minutes) the Northern Lakes Economic Development Corporation presented a draft of a regional comprehensive economic development strategy (CEDS) which established the Antrim County EDC’s top 5 goals and objectives to include:
Goal 1: Deliver broadband services to more residences and businesses throughout the region.
Goal 3: Develop and support programming that promotes affordable housing efforts at the state, regional, and local levels. As well as, collaborate with local units of government to implement policies and programs that support affordable housing development.
Antrim County | Banks Township Zoning Ordinance Amendments to Allow ADUs
As of 8/31/2021 | The Banks Township Planning Commission amendments to the Banks Township Zoning Ordinance (specifically to Articles III, IV, VI and VII) where recently approved by the Antrim County Planning Commission which would allow “homeowners to establish a second dwelling unit on a property with a single-family dwelling unit.” You can view the full Banks Township Amendments on pages 4-7 HERE.
Benzie County | Inland Township Flood Ordinance
As of 2/8/2021 | The Inland Township Board held a special meeting on Monday, February 8th in which Flood Ordinance 21-1 was approved to manage floodplain development in compliance with the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP). You can read the full adopted ordinance on Page 10 through 14 of the Inland Township Special Board Meeting Minutes.
Grand Traverse County | Acme Township Planning Commission Shoreline Stabilization Structures in Draft Zoning Ordinance Review Discussions
As of 6/14/2021 | The Acme Township Planning Commission in their ongoing review and discussion of their Zoning Ordinance has proposed an amendment that shoreline stabilization structures be prohibited on private property unless the Zoning Board of Appeals determines “that a shoreline stabilization structure is necessary to protect existing structures from imminent threat of loss or damage.” The Acme Township Planning Commission is continuing discussion of their Zoning Ordinance at their regular monthly meetings held on the second Monday of the month at 7 pm at the Acme Township Hall (6042 Acme Road, Williamsburg, MI). For more information visit their website.
Grand Traverse County | Green Lake Township Zoning Ordinance Amendment
As of 2/2/2022 | The Green Lake Township Planning Commission approved at their December 13th, 2021 meeting Zoning Ordinance Amendment ZOA 21-002 which combines Residential districts R-1 and R-2, removes at grade from the definition of dwelling unit and makes the minimum dwelling unit 500 square feet. View the official notice here on page 125.
Grand Traverse County | Long Lake Township Shoreline Protection
As of 6/16/2022 | The Long Lake Township Shoreline Steering Committee is convened weekly meetings throughout the month of June and will be presenting consensus derived recommendtions regarding shoreline issues at the end of their series of meetings. Their most recent public posted discussion on June 16th can be viewed here.
Grand Traverse County | Traverse City Planning Commission Discussion of Multiple Family Dwelling Districts Proposed Amendment
As of 10/8/2021 | At the Traverse City Commission Regular Meeting on October 4th they introduced the amendments to replace the reference to R-9, R-15, and R-29 districts to just R-3 while adding the ability to develop duplexes, triplexes, and quadplexes in the R-3 district, as well as increasing the maximum building height from 40 feet to 45 feet and the maximum allowable impervious surface from a range of 35%-50% to 60% to encourage higher density housing development. View the proposed amendment HERE and the October 4th Traverse City Commission agenda HERE.
As of 8/17/2021 | The Traverse City Planning Commission has begun consideration of amendments to R-2 Two-dwelling district zoning to increase density allowances to provide more housing units in Traverse City. These proposed changes include:
Renaming the R-2 district to the “Mixed Density Residential District”
Athletic field and golf course have been deleted as allowed uses
Duplexes, triplexes, and quadplexes have been added as allowed uses
Allowable dwelling units per lot has been increased from 2 to 4.
Impervious surface limit has been increased from 45% to 50% to accommodate additional development
A setback of 10 feet from Kids Creek has been added
Ends the requirement of 1 parking space per dwelling
Grand Traverse County | Traverse City Commission Discussion of draft request for proposal for Lots X, T, and O
As of 5/17/2021 | The Traverse City Commission Meeting on May 17th they approved the issuance of a request for proposals for City Parking Lot O for potential housing development. It was stated and supported by numerous City Commissioners that they are hopeful to move forward with potential Requests for Proposal for Parking Lots X and T in the near future as well.
Grand Traverse County | Traverse City Planning Commission Consideration of a Riparian Buffer Zone Ordinance Amendment
As of 8/11/2021 | The Traverse City Planning Commission discussed proposed amendments to a Riparian Buffer Zone Ordinance (see pages 4-8 of the August 11th Planning Commission Meeting) that would adjust private pathway construction to limit parcels that have greater than 150 feet of frontage along the shoreline to a maximum width of 30 feet instead of the greater of 10 feet or 20% of the total lot width. Also, the amendments would not allow removal of any healthy trees for pathway construction in the riparian buffer zone.
Kalkaska County | Village of Kalkaska Housing Development and Blight Renewal
As of 9/13/2021 | The Housing Development and Blight Renewal Committee inaugural meeting was held in early September. The committee discussed inventory of viable development properties for single and multifamily homes and apartments, vacant lots within the R-1 area, and possible properties for development. The committee also discussed funding paths and possible partnerships for future projects; and listed its priorities and direction. The committee will meet again on October 7, 2021 to review an updated inventory map. Yarrow Brown for Housing North will provide updated information on developers and State incentive programs. Information on the Housing Development and Blight Renewal Committee is available in the September Village of Kalkaska Council Meeting HERE.
Leelanau County | Housing Ready Staff Proposal
As of 9-13-2021 | The Leelanau County Housing Action Committee at their August 9th meeting passed a motion “that Housing North create” a “position for a housing coordinator and solicit donations to pay for the position” and to “go forward with this concept and work with Housing North to consider options as to how the Housing Action Committee might go further.” (see pages 3-6 of the meeting minutes for discussion). At the Leelanau County Housing Action Committee Meeting on September 13th, Yarrow Brown provided an update on the efforts to fund this position ($100,000 per year for 3 years) at the Leelanau County Housing Action Committee (HAC) Meeting on Thursday, September 13th and they are cautious but optimistic that some funding will come through soon.
Leelanau County | Broadband Internet Options
As of 10-11-2021 | Leelanau County Commissioner Patricia Soutas-Little presented at the Leland Township Board Meeting on October 11th that the survey of internet service/speed has been completed and is listed online (view it HERE). The Leelanau County Board of Commissioners will be working with the Leelanau Internet Futures Team (LIFT) on a county plan for internet service.
Leelanau County | Review of Bingham Township Planning Commission Zoning Ordinance Amendments
As of 3-23-2021 | The Bingham Township Planning Commission submitted to the Leelanau County Planning Commission for review two real estate related amendments:
- Mobile Homes will be recognized in Bingham Township as valid single-family dwellings, provided:
- The home is used as a single-family dwelling.
- Is attached to a permanent foundation
- It has health department approval for well and septic systems.
- Amendments that will refer to the Bingham Township Short-Term Rental Ordinance passed by the Bingham Township Board on October 19th, 2020. You can view this Short-Term Rental Ordinance on the Regional STR Guide available to Aspire North members on the Members Only Portal.
With the approval of the Leelanau County Planning Commission, they will move to Bingham Township Board for final approval. You can view the Bingham Township Zoning Ordinance amendments HERE on pages 17 to 21 as well as the Bingham Township Planning Commission Minutes on these amendments on pages 22 to 35.
Leelanau County | Cleveland Township Text Amendment to Dwelling definition and Building Lot Width and Area
As of 1/26/2021 | At the January 26th Leelanau County Planning Commission Meeting they reviewed Cleveland Township’s proposed amendments to the Cleveland Township Zoning Ordinance which would expand the definition of a dwelling ordinance Section 3.19 to include the text “ The building or part thereof shall provide complete independent living facilities for one or more persons, including, permanent provisions for living, sleeping, eating, cooking, well/water, and sanitation.” and in Section 5.09 add “The yard area free of all buildings and structures shall constitute at least seventy-five (75) percent of the lot.”
Leelanau County | Elmwood Charter Township Adopts a New Short-Term Rental Ordinance
As of 10-8-2021 | The Elmwood Charter Township Board of Trustees adopted a New Short-Term Rental Ordinance at a Special Meeting on September 30th. This new short-term rental ordinance allows for a total of 93 short-term rental licenses in Elmwood Township with the opening application process opening on November 6th, 2021 and accepted through November 30th, 2021. Short Term Rental (STR) information, including the Zoning Ordinance Amendment, Short Term Rental Licensing Oridnance, FAQ Regarding Ordinance, and the STR License Application will be available on the Elmwood Township website which you can view HERE.
Leelanau County | Leelanau Township Presentation on Broadband Internet Options
As of 5-28-2021 | On June 1st, Tim Malone from Cherry Capital Communications will present and address questions relating to broadband, including fiber optic and other projects ongoing and planned for Leelanau Township. Visit this link for meeting access to this virtual meeting.
Leelanau County | Septic Records Consideration
As of 2/16/2021 | At the February 16th Leelanau County Commission Regular Session an update was given by County Administrator Chet Janik. He stated that the Leelanau County Equalization Department and the Benzie-Leelanau District Health Department will be putting together an overlay map for the age of drinking water wells around Little Traverse Lake, which will likely be presented to the Leelanau County Commission in March. View the February 16th meeting HERE. This follows the creation of an overlay map of septic systems put together and presented by the Leelanau County Equalization Department for the February 9th Leelanau County Commissioners Executive Board Session (the septic system overlay map can be viewed here on page 36). View the February 9th meeting here.
As of 1/19/2021 | At the Leelanau County Commission Regular Session, a motion was passed to establish a date for a special session with Leelanau Clean Water and the Benzie-Leelanau District Health Department to develop a detailed plan for a pilot consisting of septic installations around Little Traverse Lake (in Cleveland Township) including objectives, scope, timeline, budget and a post-pilot Leelanau Board of Commissioners study session to consider next steps. This pilot study would potentially be conducted through Rob Herman (GIS Analyst) with the Leelanau County Equalization Department to provide to the Benzie-Leelanau District Health Department to determine the potential need for a County-wide Septic Ordinance. View the meeting here.
Wexford County | Cadillac City Council Public Hearing considers adoption of Temporary Sign Ordinance
As of 9/7/2021 | The Cadillac City Council approved at their September 7th, 2021 Meeting adoption of a new sign ordinance (Ordinance 2021-13) is summarized as:
Increase the number of total signs to 6
Reduce the separation between signs from 10 ft. to 2 ft.
Reduce the setback from the right-of-way from 10 ft. to the following:
6 ft. from the road right-of-way line, essentially where the curb is, if there is no sidewalk
immediately adjacent to the sidewalk as long as the signs do not overhang the sidewalk
Wexford County | Fair Housing Resolution and Designation of Fair Housing Person to Contact
As of 1/6/2021 | The Wexford County Board of Commissioners issued a Fair Housing Resolution and Fair Housing Policy Statement to establish Wexford County’s commitment to fair housing and establish the Wexford County Administrator as the person to contact regarding housing discrimination in Wexford County. View the meeting agenda and minutes (Resolution can be viewed on Page 26 and 27 and the Policy Statement on Page 28).
Transfer of Ownership: SB 16 (Sen. Zorn) – The bill would amend Article 7 (Enforcement) of the Housing Law of Michigan to specify that a transfer of ownership would not constitute a change of ownership if both of the following applied:
- The transferring party and receiving party were the same or otherwise were both under common control.
- The property was inspected in accordance with the Law during the two-year period immediately preceding the date of the transfer, or a longer period if previously determined by a local municipality inspection ordinance.
Protection of Short-Term Rentals: HB 4722 by Rep. Lightner (R-Springport) and SB 446 by Aric Nesbitt (R-Lawton) | The bills amend the Michigan Zoning Enabling Act to clarify that a short-term rental of one’s property is residential in nature, and prevents local governments from a ban through local zoning. The bill language designates “short-term rental” as a single-family residence, a dwelling unit in a 1-to-4 family house, or any unit or group of units in a condominium complex as eligible for terms of 30 consecutive days or less. Local Governments maintain their ability to regulate discourteous behavior through their health and safety power. Adopted as a Committee Substitute, these authorities includes noise, advertising, occupancy, nuisances, inspections, and licensing.
Status - HB 4722 passed the House Commerce and Tourism Committee and has moved to the House Floor. SB 446 passed the Regulatory Reegulations Committee and has moved to the Senate Floor.
First-Time Home Buyers Savings Account: HB 4289 & 4290 by Rep. Damoose (R-Harbor Springs) & Rep. Manoogian (D-Birmingham), and SB 158 & 159 by Sen. Horn (R-Frankenmuth) & Sen. Runstead (R-White Lake) | Creates a tax-incentivized savings vehicle towards for a first-time home purchase in the State of Michigan. The account can be opened in the name of an individual or a beneficiary with an annual tax deduction and tax-free growth, as long as it is used for the purposes of a first-time home purchase in the State of Michigan. There is a $50,000 investment cap over the 20-year life of the account. The bills passed off the House and Senate Floor with overwhelming support. The bills move to their counterpart chamber as they receive their final votes before heading to the Governor's desk for her signature.
Status - Bills are moving to Final Votes in the Counter Chamber
Abandoned Mobile Home Titling: HB 4304 by Rep. Hertel (D-St Clair Shores) | This legislation outlines a new process by which a mobile home park owner may take possession of an abandoned mobile home within their community. More importantly, the bill includes language to reestablish the surety bond process for taking possession of a new or lost title to a mobile/manufactured home located outside of a park.
Status - In the Senate Committee on Regulatory Reform
Audio and Video Recording of Private Residence for Security Purposes: HB 4724 by Rep. Graham Filler (R-DeWitt) | HB 4724 cements a clear exception for security surveillance with both audio and video in a private residence. The bill would not protect the use of audio and video recording if used for “lewd and lascivious” purposes. Current law makes it a felony to audio record in a private residence without consent of at least one party to the conversation.
Status - In the Senate Committee on Judiciary and Public Safety
Veteran and Active-Duty Licensure Reciprocity: HB 4376 & 4377 (Rep. Schroeder, R-Independence Township, & Rep. Anthony, D-Lansing) SB 157 & 158 (Sen. Bizon, R-Battle Creek, & Sen. Hollier, D-Wayne County) | These bills create a pathway to professional licensure reciprocity in Michigan for Active Duty, Veteran, Reserves, or Uniformed Services within the United States Military. The scope of reciprocity would extend to a surviving spouse or surviving child under 26 years of age.
Status - Bill signed into law by Governor Whitmer on June 9th, 2021
Housing Supply and Affordability | Unfortunately, there is no one “silver bullet” solution to this issue. Policies affecting the cost and availability of housing include – local permitting, zoning, taxes and fees, down payment assistance, and the range of housing options. Michigan Realtors® is working with stakeholder groups throughout the State of Michigan to assess market-based solutions that will in turn address the housing needs of Michigan’s workforce and job providers.
Status - The Michigan Housing Coalition, which Michigan REALTORS and Aspire North REALTORS are members of, has introduced a number of bills. These Bill introductions and summaries can be viewed HERE.
Updates courtesy of Michigan Realtors® Northern Michigan Public Policy Director, Alex Houseman. For more information visit
NAR’s 2022 Federal Advocacy Agenda | Check out this annual overview of some of NAR’s priorities for the 117th Congress. You can view the agenda here.
Housing Providers Send Feedback on Renter Issues | On Friday, July 1, NAR sent a coalition letter from housing provider industry groups to the White House, Department of Housing and Urban Development (HUD), Treasury Department, U.S. Department of Agriculture, Federal Housing Finance Agency (FHFA), and the Consumer Finance Protection Bureau (CFPB), in response to the listening sessions hosted by the White House regarding the Administration’s interest in a renters’ bill of rights. NAR previously sent its own letter summarizing our comments during the call, and this letter provided an opportunity for the housing groups to present a unified voice on the issue. View the full release and letter here.
Administration Releases Housing Supply Plan | The White House is releasing a comprehensive Housing Supply Action Plan designed to ease the burden of housing costs by boosting the supply of housing in every community. NAR has been sounding the alarm for several years about the housing supply and affordability crisis and is pleased to see the Administration propose action to address these challenges. Click here to view more details and what NAR is encouraging on this effort.
NAR Writes to HUD in Support of New 40-year Mortgage Modification | NAR provided a comment to HUD in response to its request for input on its proposal to allow the FHA to modify mortgages of distressed homeowners with a term of up to 40 years. REALTORS believe, and NAR's Responsible Lending Policy outlines, that a standard for determining a borrower’s ability to repay must be flexible to accommodate borrowers with unique circumstances. Allowing the FHA to modify the mortgages of distressed homeowners to a monthly payment that they can meet with a moderately longer amortization helps to support both homeownership and stability of the market.
Response to PAVE Action Plan ("Action Plan to Advance Property Appraisal & Valuation Equity") | On March 31, 2022, NAR sent a letter to the White House and the Department of Housing and Urban Development (HUD) providing comments to the Biden Administration’s Action Plan to Advance Property Appraisal and Valuation Equity (PAVE Action Plan) created by the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE Task Force). View the full release and letter here.
HUD-FHFA Initiative on Housing Supply | On September 1, 2021, the Biden administration announced a joint effort by the Department of Housing and Urban Development (HUD) and the Federal Housing Finance Agency (FHFA) to increase housing supply at the entry level of the market. The effort will focus on entry-level and affordable unit production and “will create, preserve, and sell to homeowners and non-profits” as many as 100,000 units over the next three years. To view more on this initiative, click HERE.
NAR Applauds New HUD Program Prioritizing Housing Supply | The Department of Housing and Urban Development (HUD) announced its "Our Way Home(link is external)" initiative this week to connect communities across the country with the resources needed to combat the nation's housing supply shortage. View the full release here.
NAR Study Shows Lack of Affordable Housing Biggest Obstacle to Home Buying | The lack of affordable homes is the top obstacle holding back potential home buyers of all races, but other obstacles to homeownership varied by race/ethnicity according to a new report released today by the National Association of Realtors®. NAR partnered with Morning Consult for its latest study, 2022 Obstacles to Home Buying, which explores current obstacles to home buying broken down by race/ethnicity. View the full study and release here.
NAR Comments on Proposed Anti-Money Laundering Regulations | NAR submitted a comment letter in response to the Financial Crime Enforcement Network’s (FinCEN) Advance Notice of Proposed Rulemaking (ANPRM) on anti-money laundering regulations for the real estate sector. NAR provided several recommendations to FinCEN, including robust educational training on money laundering in real estate for real estate professionals, expansion of the current Geographic Targeting Orders (GTOs) nationwide for non-financed residential real estate transactions, continuation of reporting and recordkeeping requirements for title companies and settlement agents. NAR remains engaged on this issue, and will continue to provide key updates on anti-money laundering matters.
Letter to Fannie Mae on ANSI Measurements | On February 7, 2022, NAR sent a letter to Fannie Mae and the Federal Housing Finance Agency regarding Fannie Mae’s recent announcement that appraisers will be required to use ANSI® Z765-2021 (American National Standards Institute®) for measuring, calculating, and reporting above-grade and below-grade square footage for appraisals requiring interior and exterior inspections with an effective date of April 1, 2022. NAR requests that Fannie Mae delay implementation of this new requirement until Freddie Mac, FHA, VA and USDA adopt the same requirement to reduce confusion. Real Estate professionals and appraisers also need more time to become familiar with how the standard is applied.
NAR Supports Health Insurance Affordability | NAR provided comments to the Congressional Healthy Future Task Force Affordability Subcommittee’s request for information regarding considerations for legislation to make health care more affordable. As health care costs continue to rise each year, affordability remains a primary concern for many Americans, especially self-employed real estate professionals facing limited insurance options in the individual or small group markets. In the letter, NAR advocated for a return to expanded association health plans (AHPs), which makes these insurance options available to sole proprietors, and support for innovative policy solutions that improve quality and affordability in insurance.
Coalition Letter on Rental Assistance Improvements | On September 14 and September 15, 2021, the House Financial Services Committee held a markup hearing in which it marked up several bills including H.R. 5196, "Expediting Assistance to Renters and Landlords Act of 2021," sponsored by Committee Chair Maxine Waters (D-CA). NAR, as part of a coalition of housing providers (including CCIM and IREM), sent a letter to the Committee for the markup. While the coalition supports efforts to improve and speed up Emergency Rental Assistance Program (ERAP) funding disbursement, it opposes the requirement in the bill that housing providers not evict a tenant for an additional 120-days after applying for rental assistance on their behalf. View the full letter HERE.
New ERAP Distribution Guidelines Released | On August 25, the White House released additional guidance aimed at speeding up and improving distribution of Emergency Rental Assistance Program (ERAP) funds to tenants and housing providers in need. These changes follow a letter with recommendations for improving the program sent by the housing provider coalition group that NAR participates in to the Administration and Congress. For further information on the guidelines, click HERE.
Resources on Rating 2.0 and NFIP | NAR has set up a landing page about FEMA’s new flood insurance pricing system called Risk Rating 2.0. This includes informational flyers for homeowners, a legal guidance packet, FAQs, and much more. The “myth buster” document is particularly useful. NAR also hosted a webinar a few weeks back which you can view HERE.
“Housing is Critical Infrastructure” Study from NAR and the Rosen Consulting Group | NAR released a report on policy considerations to help shape the future of housing as Congress debates an infrastructure package. This report, released by NAR and authored by the Rosen Consulting Group, highlights the vast underbuilding gap in the U.S. and the consequences of underinvesting in housing. Following decades of underbuilding and underinvestment, the U.S. faces an acute shortage of available housing, an ever-worsening affordability crisis, and an existing housing stock that is aging and increasingly in need of repair—all to the detriment of the health of the public and the economy. View the full release HERE and the study HERE.
CFPB Toolkit & NAR Social Media Posts | This week the CFPB released a new toolkit/landing page for renters and housing providers who are in need of rental assistance. State and local REALTOR associations can play a particularly helpful role in pushing this out and spreading awareness on social media and elsewhere. NAR’s policy team has put together a Rental Assistance Resources page. You can also find our Facebook and Twitter posts in case you’d like to share them.
NAR Letter of Support for HR 2553, the "Real Estate Valuation Fairness and Improvement Act of 2021” | On April 19 NAR sent a letter to Chairwoman Waters and Ranking Member McHenry. The letter expresses NAR’s support for H.R. 2553, the “Real Estate Valuation Fairness and Improvement Act of 2021.” Discrimination in the real estate market, including the appraisal process, harms not only the participants in the transaction but the entire industry as a whole. NAR is committed to confronting any form of discrimination that creates barriers to homeownership for Americans. View it HERE.
Updates courtesy of National Association of Realtors® Political Representative, Patrick Wohl. For more information, visit