Sales & Rental Process

The sales or rental process for an MPDU is a private transaction between the Applicant and the MPDU certificate holder. While Planning and Zoning certifies program participants as eligible and provides names to the Applicant Planning and Zoning does not act as an intermediary, or involve itself in the process except in the rare case of a dispute between the two parties.

Planning and Zoning does not provide financing, financial assistance, or rental assistance to MPDU purchasers or renters. Each MPDU purchaser must qualify for and secure mortgage financing. Every MPDU renter must meet the necessary credit checks and income tests as other rental applicants, and must have the resources (which may include rental assistance from third parties) to pay the monthly rent.

The sales and rental agent is a partner in helping Planning and Zoning enforce the MPDU program rules. Planning and Zoning does its best to qualify applicants as "eligible" under the law, but the sales agent is an invaluable resource to help ensure the MPDU program serves the households it is intended to serve. Each household certified as "eligible" receives an MPDU Eligibility Certificate (for sales, for rental, or for both). The primary eligibility criteria are below; if the sale agent discovers a potential purchaser no longer meets these eligibility criteria, please notify Planning and Zoning right away:


"Eligible" means a person or household (20.30.020 Definitions):

  • Whose income is one hundred percent (100%) or less than the family median income for the Baltimore Metropolitan Statistical Area (MSA), with adjustments for household size, as reported by the United States Department of Housing and Urban Development (HUD).
  • Who holds a valid certificate of eligibility that entitles the person or household to buy or rent an MPDU.
  • Who does not currently own a home; and (a) Is a city resident or has been employed within the City for at least the past twelve months prior to applying for a certificate of eligibility under Section 20.30.100, or (b) Is in the employ of the City of Annapolis beyond their probationary period, or (c) Is a teacher or staff member in an elementary, middle or high school within the City limits or in any school that is included in the Annapolis Senior High School district as defined by Anne Arundel County Public Schools.

MPDU Sales & Rentals

Before offering any MPDUs for sale or rent, the Applicant must notify Planning and Zoning of the proposed offering and the date on which the Applicant will be ready to begin marketing to eligible persons. The notice must include:

  • Whether the units will be sold or rented
  • The number of units offered
  • The number of bedrooms
  • The floor area for each unit type
  • A description of the amenities offered in each unit and a statement of the availability of each unit for sale or rent
  • A vicinity map of the offering; and
  • Other information or documents as Planning and Zoning finds necessary to determine compliance with this chapter

Within 30 days of receiving the notice, Planning and Zoning staff will work with the sales agent to begin marketing the units. Planning and Zoning will mail an interest form to MPDU certificate holders. From the interest form mailing, Planning and Zoning will generate a list of names that will be immediately forwarded to the Applicant's sales agent. Planning and Zoning will pick 2 to 2.5 times as many names as there are MPDUs available to send to the sales agent. The sales agent then contacts the MPDU certificate holders in the order that their names appear on the list to arrange for a sales meeting. If the sales agent has MPDUs left over after the initial list is exhausted, the agent must contact Planning and Zoning to request more names. This process is repeated as often as necessary during a 90 day marketing period.

Sales & Rental Forms

To enforce the MPDU program's rules and requirements, Planning and Zoning requires several forms for each MPDU purchaser or renter. Some of the forms are generated by the MPDU program, while others are copies of forms signed at contract signing, leasing date, or settlement.


The following forms are required for each purchaser of an MPDU; some must be signed at contract signing, and some are due after settlement has occurred:

After contract signing, (the following must be received at least 30 days prior to settlement):

After Settlement (within 45 days):

  • A copy of the two-party deed
  • A copy of the financing statement recorded against the proceeds of sale
  • A copy of the final settlement sheet


The following documents must be sent to the MPDU office within 14 days of the date of lease ratification on an MPDU rental unit:

  • A copy of the lease
  • The renter's original Certificate of Eligibility from the MPDU office
  • The MPDU Renters Certification form