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SAN DIEGO (KGTV) — Small businesses trying to stay afloat amid coronavirus restrictions can apply for up to million in forgivable low-interest loans to help them get by. The Federal Small Business Administration has opened its application site for businesses with fewer than 500 employees to apply for the loans, which would have an interest rate of no more than 4 percent. The loans are part of the stimulus package Congress and the President authorized last week. They are meant to help small businesses maintain payroll and meet essential obligations like rent, mortgages and utilities at a time social distancing has eliminated most consumer spending. RELATED: Coronavirus aid: How to help your neighborsIf an employer uses the money as intended, the government says it will forgive the loans."Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels," according to the Small Business Administration. "Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease."Kelly DuFord Williams, a managing partner at Slate Law Group, says this is an unprecedented opportunity for small businesses, given the low interest loan offer and six months of deferred payments. RELATED: WE'RE OPEN SAN DIEGO: Search open businesses"Small businesses employ a lot of people, especially in San Diego, with such a big entrepreneur community, and the last thing they want is all of us turning off our lights and doing mass layoffs just because of temporary circumstances," Williams said. Jennifer Byard, who owns Communal Coffee in North Park and South Park, said her sales have dropped 75 percent and that she has had to reduce her employees from 22 to eight. Byard plans to take out at least 0,000 to make it through.RELATED: IRS: Distribution of economic impact payments will begin in the next three weeks"I think it's really important for me to have some backup funds right now to be able to reopen, to be able to keep my employees, to pay them more," said Byard, whose shop is now doing takeout only during the day while offering pizza and salad in the evening. For more information on the loans visit SBA.Gov. 2199

SAN DIEGO (KGTV) - School districts across San Diego could begin to build affordable housing for employees and teachers who are struggling to make ends meet.Under the Teachers Housing Act of 2016, districts are now allowed to build housing on land they own. They can designate the homes specifically for teachers and employees, while still getting tax credits and funding usually only given to affordable housing projects open to the general public."The people working at schools need to live in the community they're working in," says San Diego County Board of Trustees Vice President Mark Powell. He recently published an article on the website VoiceofSanDiego.com advocating for the idea. He believes it would be a great way to make sure districts can attract and retain teachers who may not be able to afford California's rising housing prices."If wages are not high enough for them to afford to work in this area, then they're going to leave," says Powell. "That creates a vacuum, and it creates a shortage of a workforce."Right now, the average salary of a teacher in San Diego is ,314.That's less than half of what you need to make to afford a median-priced home in the area.Teachers we spoke with say they can't afford to live in the school districts they work for."I feel like an outsider," says Olympian High School Music Teacher Jennifer Opdahl. She drives about a half-hour to and from work every day. Opdahl says she has problems connecting with the community when she doesn't live there. She also gets frustrated that she can't vote on issues that affect her district. "I would be less stressed. I would be less exhausted. I would have better balance," Opdahl says of the benefits of living closer to campus. "All of those things equate to better health and, honestly, a longer career."San Diego Unified School District officials say the idea of using excess land to build housing is something they're already looking into. Recently, they partnered with Monarch Developments on an apartment complex in Scripps Ranch. The developer is leasing the land from the district and will designate 20% of the apartments in the complex as affordable housing. The district hopes their employees will be able to move into those units."We absolutely intend to be a part of the solution," says SDUSD Board Member Richard Barerra. He says the district is also looking at a handful of sites that they can turn into housing.Barerra says the district plans to move Central Elementary School in City Heights to a new location on the site of Wilson Middle School. He says the land where Central sits right now could become housing. He also says the district is considering renovating their headquarters on Normal Street to include a teachers' village with housing and open space. The district is also turning their old book depository building on 22nd Street and Commercial into a mixed-use development."To deliver quality education, you need quality educators," says Barerra. "So everything we can do to make it possible for great teachers and particularly young teachers to come into our district and teach our kids, it's all part of the investment in education that voters in San Diego have made."Because the districts already own the land, Powell believes they can bypass a lot of the planning steps that delay construction and add to costs. That would help keep the cost of rent down for teachers when they move it. It could also eventually become a way for districts to add money to their budget."You can use bond money, or you can get federal grants or loans from the state to build the units," says Powell. "Eventually, at some point, these lands start to pencil out and are positive cash flow."Barerra says he thinks SDUSD could have housing completed within 3-5 years."I think what we will do is create a sense of what's possible that other districts can look at and this can be really a big part of the solution," he says. 3939

SAN DIEGO (KGTV) - San Diego Red Cross Volunteers are stepping up to help the many communities at risk of Hurricane Dorian's wrath.So far 20 volunteers have been assigned to the disaster, 18 will be on the ground, and two are working remotely.John Stone is deploying Tuesday evening to South Carolina, he's responded to over 20 disasters."You catch the bug, I mean you're helping people recover from a natural disaster, every disaster is different," said Stone. Stone says this deployment is more personal; his daughter lives in Charleston."I emphasize with her to have a plan, be ready to go, it's my grandchildren you're dealing with, I want you to be safe," said Stone.At any moment, the local Red Cross could be asked to send more volunteers. On Monday night, more than 12,200 people stayed in 171 Red Cross and community evacuation shelters in Florida, Georgia and South Carolina. This included nearly 11,700 people in 142 shelters in Florida; some 280 people in 10 Red Cross shelters in Georgia; and 290 people in 19 Red Cross shelters in South Carolina.More than 1,900 trained Red Cross responders from all over the country are helping to support relief efforts. 1177

SAN DIEGO (KGTV) -- San Diego’s City Council Monday approved a key step in turning Horton Plaza into The Campus at Horton. At Monday night’s meeting, the council approved reducing the current retail deed restriction on the property, creating the opportunity to build the office space. The campus would combine employment, entertainment and retail. According to a news release, the office space would be large enough for 3,000 to 4,000 jobs. RELATED: Horton Plaza buyers hope to transform center into tech hub by 2020; Renderings releasedWith the approval, the campus will include 700,000 square feet of office space and 300,000 square feet of retail space. Construction is slated to begin later this year, with estimated completion by the end of 2020. “Today’s approval marks an exciting new chapter for the current Horton Plaza property and for the Downtown community,” said Betsy Brennan, President and CEO of the Downtown San Diego Partnership.“Just as Horton Plaza reshaped Downtown San Diego more than three decades ago, the Campus at Horton will be a catalyst for growing San Diego’s innovation economy and enhancing the Downtown San Diego lifestyle.” 1166

SAN DIEGO (KGTV) — San Diego's Board of Supervisors Wednesday approved a new initiative to encourage homeowners in the county's unincorporated areas to develop "granny flats" to help ease the region's housing shortage.The initiative will waive county permit and development impact fees over the next five years for property owners who want to build granny flats or other small dwellings on lots with existing homes. The hope is those units will then be used for family members or rented out as a source of income for property owners.The waivers apply to property owners in the county's unincorporated areas, including Alpine, Julian, Fallbrook, Lakeside, and Valley Center, as part of the county's General Plan.MAKING IT IN SAN DIEGO: Family chooses 'granny flat' option with San Diego's lower fees“This is a critical step in our on-going efforts to address the region’s housing crisis, especially the serious need for affordable housing,” Dianne Jacob, the board chairwoman, said in a release. “This new program is the quickest and easiest way for us to expedite the development of housing.”To cover the cost of the fee waivers, the county will pump million into the program over the five-year period.“There is no single solution to the regional housing shortage, but an average savings of ,000 for an accessory home will raise property values and offer more affordable places to live,” Supervisor Jim Desmond said in a release. “We will continue to be creative and challenge the status quo to solve the region’s housing crisis.” 1545