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Healthy, Resilient, Affordable: Zero Energy Modular AUGUST 17 TH , 2020 Peter Schneider

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Page 1: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Healthy, Resilient, Affordable: Zero Energy Modular

AUGUST 17TH, 2020

Peter Schneider

Page 2: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Agenda

• Characteristics of Zero Energy Modular

• Pop-up Factory

• Getting Vermonters into a ZEM

• Examples of Projects

Page 3: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Factory-Built Variety

Mobile

• Pre-1976• No code

Manufactured

• Post-1976• HUD code last

updated 1994

Modular

• Meets local building & energy codes

Page 4: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Tropical Storm Irene

Evrita Crosby / VPR

Page 5: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

VT’s Mobile Home Parks

• ~250 parks• 1/5 non-profit or

cooperatively owned

• ~7,000 lots• ~1/3 of homes

beyond their useful life

• Many vacant lots and abandoned homes

Page 6: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

VT’s Mobile Home Parks

Page 7: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Comparing HUD and VT Code

VT Energy Code HUD ENERGY STAR HUDWall 20 19 13Floor 38 33 22Roof 60/49 33 30Window U 0.28 0.35 0.59Window SHGC NA 0.55 NAAir Leakage (ACH50) 3 7 NAHeating Efficiency NA 0.9 0.8Cooling Efficiency NA 13 13Thermostat Programmable Programmable NADuct Leakage Inside Thermal Envelope 5% NACrossover Duct NA 8 4Water Heating EF NA 0.91 0.88

Page 8: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Efficiency Vermont Certified: High Performance

AR&T Architects

Walls: R-40Roof: R-60Floor: R-40

1 ACH 50 U – Value </= 0.21

HRV/ERV w/ SRE >/= 75%

Page 9: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

EVT Services & Prescriptive Spec

Page 10: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Mobile Home Replacement

VT Actual HUD Homes

Page 11: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

HUD Manufactured Home• Home cost: $65,000

• Down payment: $13,000

• Closing costs: $2500

• Loan amount: $52,000

• Terms: 5.875% for 15 years fixed

• Monthly mortgage amount: $435

• Average Energy Costs: $250

• Lot Rent: $340

• Total: ~$1155/month (includes $130 for property taxes and insurance)

• Concerns:

– Energy Costs

– Comfort

– Durability

– Indoor Air Quality

– Asset Value

Page 12: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Reaching Income-Qualified Buyers

ZEM 2 bed/2 bath 14'x70'Base cost $115,000Sales Tax $5,940Foundation/Site Work $9,000Delivery and Set $7,000Utility hookup $1,8008 kW Solar Array $18,000Permits $1,500Solar Incentive -$10,000Utility incentive -$8,500CHT homeownership loan -$35,000Total Cost to Finance $104,740Down payment $0Interest Rate 3.25%Term (years) 30Monthly Mortgage Cost $456

Total monthly housing costMortgage payment $456Co-op fee $340Property taxes (after adjustment) $100Insurance $30Utility service fee $20 Heat & electricity $0Total monthly housing cost $946

Comparable HUD MH Package

Page 13: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Ten Home Pilot

Page 14: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

ZEM Pop-Up Factory

https://www.veic.org/clients-results/reports/zero-energy-modular-factory-initiative

https://www.veic.org/clients-results/reports/zero-energy-modular-factory-initiative
Page 15: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%
Page 16: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%
Page 17: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

ZEM impact 2013-December 2019

$ energy (heat + electric) costs avoided by owners1,209,766

metric tons CO2

emissions avoided2,313

Vermont jobs directly created20

ZEM homes delivered97

Page 18: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%
Page 19: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

High-quality materials reduce off-gassing

Page 20: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%
Page 21: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

ZEM Applications

Page 22: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

McKnight Lane - Waltham

Credit: Jacob Hannah for the New York Times

Page 23: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

McKnight Lane - Waltham

Credit: Jacob Hannah for the New York Times

Page 24: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

McKnight Lane - Waltham

Page 25: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

McKnight Lane - Waltham

Simulated outage at McKnight Lane unit (courtesy Green Mountain Power)

https://greenmountainpower.com/products-all/

https://greenmountainpower.com/products-all/
Page 26: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Habitat CollaborationNorth Ave Coop | Burlington

Page 27: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Habitat CollaborationNorth Ave Coop | Burlington

Page 28: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Habitat CollaborationNorth Ave Coop | Burlington

Page 29: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Habitat CollaborationNorth Ave Coop | Burlington

Page 30: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Habitat CollaborationNorth Ave Coop | Burlington

Page 31: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Neighborhood RevitalizationWillows | Bennington

Page 32: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Neighborhood RevitalizationWillows | Bennington

Page 33: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Neighborhood RevitalizationWillows | Bennington

Page 34: AUGUST 17TH Healthy, Resilient, Affordable: Zero Energy ... · • Home cost: $65,000 • Down payment: $13,000 • Closing costs: $2500 • Loan amount: $52,000 • Terms: 5.875%

Thank you.

Peter SchneiderSenior Consultant

[email protected]

mailto:[email protected]

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