Desmond, Matthew. Poverty, by America. 1st ed. New York: Crown, 2023. https://amzn.to/40Aqzlp

Annotation URL: urn:x-pdf:eefd847a2a1723651d1d863de5153292

Alternate annotation link: https://jonudell.info/h/facet/?user=chrisaldrich&max=100&exactTagSearch=true&expanded=true&url=urn%3Ax-pdf%3Aeefd847a2a1723651d1d863de5153292

Cohen, Rachel M. “What the Supreme Court Case on Tent Encampments Could Mean for Homeless People.” Vox, April 21, 2024. https://www.vox.com/scotus/24123323/grants-pass-scotus-supreme-court-homeless-tent-encampments.

• for: speculative investing - housing, speculative investing - antidote - example - Cincinnati

• description

  • speculative institutional investors have bought up trillions of dollars of foreclosure homes and increase profits for their shareholders by:
    • neglecting maintenance
    • raising rents
    • pursuing aggressive evictions

• speculative investing - antidote - example

  • In Cincinnati, the Port of Cincinnati bought back 200 homes from private equity firms and did the opposite
    • stabilize rents
    • perform required maintenance
    • training renters to become home owners

FUP

• picture of Chuzhi house
  • sustainable house built with combination of natural and waste materials

If house flipping is viewed as a driver of inequality in crowded housing markets in larger cities, what spurs it on? What do the economics look like and how can the trend be combatted?

What effect does economic speculation have?

This sounds great, but what are the "costs" on the other side? How does one balance out the economics of this sort of housing situation versus amenities supplied by a community in terms of culture, health, health care, interaction, etc.? Is there a maximum on a curve to be found here? Certainly in some places one is going to overpay for this basket of goods (perhaps San Francisco?) where in others one may underpay. Does it have anything to do with the lifecycle of cities and their governments? If so, how much?

I also want to talk about housing. Instead of meeting is teaching us about what we already know study habits how to write an essay how to just you know be a student. We should also have a roundtable discussion meeting about how to be resilient students. How to deal with trauma. How to deal with our mental issues. ARs should also be trained and listening to the students that are having a hard time. Asking for help when they need it. Looking out for the signs that maybe the student is going through a harder time and it’s an emergency. Also students with people going home for break. Students should live at housing for free. Because sometimes they don’t want to go back for break for various reasons. Also they should have more variety for gluten free and gluten intolerant students. We just have a closet for the gluten-free food and there’s not much gluten-free food no variety no options. Makes it very hard for people who eat the same things that it’s gluten-free all the time. Well people who have vegan options have a much larger platform. And more compassion for students who are going through a hard time who got sick and can’t really be at the dormitories. Or have to be in the dormitories but can’t leave.

October 26 & 2021. (n.d.). Stress and decision-making during the pandemic. Https://Www.Apa.Org. Retrieved 11 November 2021, from https://www.apa.org/news/press/releases/stress/2021/october-decision-making

Khelsilem Is Young, Squamish and Reshaping the Political Landscape

How the kid they called Old Man Rivers is helping to change the future of his people and the region.

Peters, Adele, Adele Peters, and Adele Peters. “Turning Empty Office Buildings into Housing Could Instantly Transform Post-COVID Cities.” Fast Company, July 30, 2021. https://www.fastcompany.com/90659901/turning-empty-office-buildings-into-housing-could-instantly-transform-post-covid-cities.

Hussaini, Syed M. Qasim. “A Prescription for Fair Housing during the COVID-19 Pandemic.” The Lancet Infectious Diseases 0, no. 0 (May 25, 2021). https://doi.org/10.1016/S1473-3099(21)00257-7.

Time in the US, Relationships, Having Children

some good solid words, which i wasn't sure were coming. i am very interested in seeing some of these pursued actively.

Chen, S. (2020, November 13). Covid Pushes Real Estate Into the Future. The New York Times. https://www.nytimes.com/2020/11/13/realestate/real-estate-coronavirus.html

It will be interesting to see what the details are for these rule changes - exciting to see the DCC gearing up for growth in our wonderful city.

Policy priority: Change setting of fair market rent to the zip code level.

We need other contributors to affordable housing inventory.

Informatics need: identifying overlap between Low-Income Housing Tax Credit tenants (US Treasury => State Housing Agencies) vs deep-subsidy programs of HUD

It's all about the value of links!

Every campus seems to handle this differently. CSUMB, for example, has no students in dorms but does have people in its East Campus housing.

NW, 1615 L. St, Suite 800Washington, & Inquiries, D. 20036USA202-419-4300 | M.-857-8562 | F.-419-4372 | M. (n.d.). A majority of young adults in the U.S. live with their parents for the first time since the Great Depression. Pew Research Center. Retrieved September 7, 2020, from https://www.pewresearch.org/fact-tank/2020/09/04/a-majority-of-young-adults-in-the-u-s-live-with-their-parents-for-the-first-time-since-the-great-depression/

This is a fascinating theory. I wonder how well it plays out for evidence?

Benitez, J. A., Courtemanche, C. J., & Yelowitz, A. (2020). Racial and Ethnic Disparities in COVID-19: Evidence from Six Large Cities (Working Paper No. 27592; Working Paper Series). National Bureau of Economic Research. https://doi.org/10.3386/w27592

Socioeconomic Determinants of COVID-19 Infections and Mortality: Evidence from England and Wales. COVID-19 and the Labor Market. (n.d.). IZA – Institute of Labor Economics. Retrieved July 30, 2020, from https://covid-19.iza.org/publications/pp159/

NYC Rental Market Pushed to Breaking Point by Tenant Debts. (2020, July 8). Bloomberg.Com. https://www.bloomberg.com/news/articles/2020-07-08/coronavirus-moves-nyc-affordable-housing-crisis-to-breaking-point

Tech’s Embrace of Remote Work Sends San Francisco Rents Plunging. (2020, July 1). Bloomberg.Com. https://www.bloomberg.com/news/articles/2020-07-01/tech-s-embrace-of-remote-work-sends-san-francisco-rents-plunging

Federal Moratoriums. (n.d.). National Low Income Housing Coalition. Retrieved July 2, 2020, from https://nlihc.org/federal-moratoriums

In Tulsa, evictions were a crisis even before the pandemic. (2020, June 19). Marketplace. https://www.marketplace.org/2020/06/19/tulsa-evictions-were-crisis-before-pandemic/

The Columbus Convention Center Is Now a Pandemic Housing Court. (2020, June 18). Bloomberg.Com. https://www.bloomberg.com/news/articles/2020-06-18/how-do-you-hold-housing-court-in-a-pandemic

North Charleston, S.C., Housing Court Braces For Avalanche of New Evictions. (n.d.). Retrieved July 2, 2020, from https://www.wbur.org/hereandnow/2020/06/23/south-carolina-housing-evictions

Lynch, P. (2020, June 2). Lockdown break-ups and job changes boost rentals. BBC News. https://www.bbc.com/news/uk-england-52847319

Actually, they kinda do? Salaries should be a function of local prices. An expensive city should have higher salaries for workers to be able to afford living in it. The fact that now companies became so huge to cross world-wide borders (a relatively new phenomenon) doesn't change that.

California is well known for its high housing costs.

housing market policy conflict

Financial crisis? Only 10 years ago?

By making sure renters stay where they are and that landlords cannot get market rent for their properties, it will discourage the building of rental units and encourage the selling of existing rental units.

Why only first time buyers? Why not renters? If they have been actively disadvantaged by predatory policies in the past, aren't they likely to need more assistance? Also, is this what she means by 'reparations'?

In circumstances where it makes more sense to rent, and there is a potential renter, why prevent that transaction from taking place?

Isn't it the owner's property? Why shouldn't they get to decide the highest value use of the property? The bank would sell or rent the foreclosed precisely TO profit from it, especially if the previous owner is no longer able to make payments on the bank; they are losing money on the property if nobody is paying...?

Improve the need of affordable housing in host, hub and source communities

Anticipation to fulfill housing needs and assessment of the ups and downs of the industry that affect the housing needs. Decisions should be taken about short, medium and long term needs.

2.02

49.59%

8.17

The emphasis in this document on lodging students in dorms is less about giving students housing and more about establishing a living and learning environment. This living/learning environment runs much deeper than a classroom education, but is associated with UVa's insistence on stressing student self governance. However, this idea of self governance cannot be achieved if the students do not live together in a society where the "government" can function. Living together is part of this education the university was so set on establishing; when people live in close quarters, they are able to learn from each other and really begin to establish an environment for themselves. This idea is still prevalent at UVa today where first years must live on grounds and essentially start their journey together.

I find it interesting that two is the explicitly stated maximum for students living together in order to be neat, get along well, and have an ideal situation for studying. I believe this still holds true in today's time, though many find themselves going to the library to study instead. This statement causes me to wonder whether it was rare for students to go elsewhere, such as a library, to study at this time. It seems likely that since a University such as this had not existed previously, the founders wanted to give the prospective students the best possible chance to succeed and did not want to force the students to go to a library or some other building to do their studying. Also, the founders were likely trying to get the students accustomed to studying in their living quarters with another person present, to prepare them for their future jobs when they would have wives and maybe children in the same house or room as them while working.

Sounds like one big happy family

A Summary of Housing and Wealth Inequality: Racial-Ethnic Differences in Home Equity in the United States By: B. Stebbins

Home equity is the largest component of wealth for most households. Therefore, persons who “have previously owned a house are able to use the money earned from its sale to invest in and increase the equity of subsequent housing” (Krivo, Kaufman). However, minorities who already face substantial obstacles in buying homes because of residential segregation and other forms of discrimination in housing and mortgage markets are less capable of accumulating equity to bankroll previous purchases into the next one.

For example, minorities face discrimination from brokers, racial-ethnic steering, redlining, and other forms of mortgage-lending discrimination. This in turn limits access to communities with greater status and amenities, such as good quality schools, parks, and shopping which have important ramifications for long-term health and well-being. Since social and historical contexts disadvantage minorities prior to their entrance into the housing market, the inequalities reproduced as a result of their active participation in the housing market only compound existing disparities further in their accumulation of housing wealth.

The microeconomic factors identified above were found to be central determinants of the acquisition and value of housing. The impact being that the social, locational, and financial characteristics of mortgage and housing markets systematically disadvantage minorities in comparison to whites. The social and historical contexts of racial and ethnic groups also strongly influence their ability to obtain more financially and socially advantageous housing. Minority groups were found to be dealt with less favorably throughout each stage of the housing process in comparison to whites, which reduces their overall accumulation of wealth and makes it more difficult to purchase homes, obtain favorable mortgage terms, and break into areas with high home values and levels of appreciation.

Additionally, it was noted that minority groups are more susceptible to FHA, VA, or FMHA loans which have low down payments but high interest rates contributing to their slower accumulation of equity. While low down payments are beneficial and encourage minorities to enter the market, these loans put minority households at risk as they may not be able to afford the house payments over the long run. Lastly, Krivo and Kaufman noted that it is important to recognize that historical and contemporary processes of discrimination in schools, labor markets, and other social institutions help explain the socioeconomic differences among groups and the reproduction of intergenerational inequality.

Citation: Krivo, L., & Kaufman, R. (2004). Housing and Wealth Inequality: Racial-Ethnic Differences in Home Equity in the United States. Demography, 41(3), 585-605. Retrieved from http://www.jstor.org/stable/1515194

The Need for Local Flexibility in U.S. Housing Policy: A Summary. By. B. Stebbins

The point of the article is that national housing programs ignore the diversity of urban housing markets across the U.S. While some communities do well, others suffer from unforeseen and undesirable side effects on a substantial scale as a result. The demand for housing in a metropolitan area is driven by the following trends: price of housing, income growth and distribution, population growth, and household formation. These trends vary dramatically within cities as well as over time which can cause sharp shifts in demand. Since newly built units provide a price ceiling for the rest of the housing market, the poor pay a higher price per unit of housing than others do.

This is problematic because the supply of housing services from existing units is less price-responsive and particular groups can be constrained by resistance to neighborhood change. Additionally, most household consume more than the minimum amount generally accepted as necessary because they can afford it which further impacts lower income households as they will respond little to price changes and devote an increasing portion of their incomes to housing. Since housing demand is responsive to housing pricing, demand will generally shift more quickly than supply; thus, the market will be in a continuous state of disequilibrium. While the four types of government policies (general filtering strategy, local housing code enforcement and urban renewal, housing allowances, and Section 8) seek to address these concerns, they do so inadequately.

Struyk argues that broadening the Section 8 program to include low-income homeowners would help eliminate inequities between communities in which low-income households are predominantly renters. Furthermore, creating a dozen or so market types for HUD to provide general guidance to communities as to the likely consequences of alternative housing strategies that included projections of income and population trends would help each city formulate its own housing and community development plans. In conclusion, Struyk sees this as an opportunity to give more flexibility at the local level to address each community's needs through the combination of supply-augmenting subsidies and demand-increasing subsidies.

Citation: Struyk, Raymond J. “The Need for Local Flexibility in U.S. Housing Policy.” Policy Analysis, vol. 3, no. 4, 1977, pp. 471–483., www.jstor.org/stable/42783231.

Affordable Housing: The Case for Demand-Side Subsidies in Superstar Cities Summary by Radhika Raj

In this article, Adam Zeidel examines locally funded affordable housing programs in what he calls, “superstar cities”. A superstar city “is defined by Gyourko et al.; a superstar city is one ‘[in which] demand exceeds supply and supply growth is limited” (Zeidel, 135). Other characteristics of superstar cities include people wanting to pay a large premium to live there, and a disproportionate distribution of wealth. 

Zeidel studies New York City. This is done because of the large amount of money ($6.4 billion, Zeidel, 136) taken from local resources for affordable housing. Zeidel believes that the academics, policy-makers, and developers have an unclear goal for affording housing policy. It is implied that this is the reason programs do not line up with their policies.

The most common demographic that benefited from affordable housing policies in New York was seniors. “The existence of senior housing programs indicates that a charitable motive underlies some affordable housing programs” (Zeidel, 138). In this paper, the types of programs that are examined are “government-run public housing, regulation, price controls, subsidies, and tax incentives” (Zeidel, 140). Subsidy programs in New York mainly involve the city giving loans to private developers in order to make affordable housing. “…the Housing Development Corporation (“HDC”) reports that it has committed “$578 million dollars of its corporate reserves to finance the preservation and creation of 25,000 apartments for low, moderate, and middle-income New Yorkers” (Zeidel, 140). Supply side subsidies give incentives such as tax benefits, bonuses, and financing assistance for the preservation of affordable housing. Zeidel also examines demand side subsidies in New York City. It was found that very little of their resources were used compared to the supply side subsidies.

Even though supply side subsidies were more likely to be favored and funded by the city, Zeidel found that demand side subsidies were more efficient, effective, flexible, and transparent. It was found that “virtually every empirical study performed over the past twenty-five years has found that demand-oriented subsidies are more efficient than supply side subsidies” (Zeidel, 143). It was also found that the demand side subsidies could help more citizens equally rather than helping few substantially. They also scored high in equity. This means that there was a more equal treatment in similar scenarios. Demand side subsidies also were more beneficial because there was a clear cost and benefit. These characteristics were found to be more beneficial overall to the population.

Zeidel, Adam. “Affordable Housing: The Case for Demand-Side Subsidies in Superstar Cities.” The Urban Lawyer, vol. 42, no. 1, 2010, pp. 135–169., www.jstor.org/stable/27895769.

Eroding the Wealth of Women: Gender and the Subprime Foreclosure Crisis By Amy Castro Baker Summary by Radhika Raj

In this article, Baker talks about how mortgage markets have evolved to create a policy gap which creates new forms of gender inequality in the housing and lending markets. This article seeks to analyze how single women are affected by gender inequality in the lending market where their loans are characterized by high levels of default and foreclosure.

The article begins by defining certain key characteristics between traditional prime mortgages and subprime mortgages. Baker explains that “home owners with a subprime mortgage are six to nine times more likely than those with a traditional prime mortgage to be in foreclosure (Renuart 2004; Schloemer et al. 2006)” (59-60). Subprime mortgages are high cost and high risk because they depend on the state of the market. Baker claims that subprime mortgages “tend to be more prevalent in neighborhoods of color where women are predominately the heads of households” (60). This implies that mostly women, specifically women of color, are the ones affected by the risks associated with subprime mortgages.

Subprime mortgages were not always as prevalent in the market. Baker explains how subprime mortgages only represented a fraction of mortgages until the 1990’s. During this time, there was a shift in focus where a policy window could open and lenders began to create opportunity for the groups that were historically excluded from the mortgage process such as women, people of color, and the elderly.

In Baker’s article, she claims that single women, particularly those of color, are the ones most affected by mortgage strain in the market. Baker states that, “Single women experience higher rates of subprime lending than their male peers, even when controlling for risk factors such as credit, income, and neighborhood location” (61-62). The article talks about how the gender gap within mortgages creates a risky lending market for women, and how despite the problems of mortgage strain, there has not been much research into the sexism involved in the housing market. Baker also goes on to discuss how these risky mortgages sometimes end in homelessness. Even in this situation, it was found that women had a more difficult time with homelessness compared to men.

Overall, Baker’s article seeks to explain the reason why women experience gender inequality in housing markets. These inequalities are characterized by the number of subprime mortgages loaned to women, and the amount of mortgage strain that these women have to endure.

No Renters in My Suburban Backyard: Land Use Regulation and Rental Housing A Summary by Radhika Raj

In this article Schuetz talks about how low and moderate income families are unable to move to more desirable suburban areas because of high cost housing and rental prices. A key point to this article is how certain forms of local zoning and land use regulations are increasing housing prices because of a reduced supply of housing in desirable areas. She uses literature from Anthony Downs to examine how land use, zoning, and rent prices affect equal housing opportunity.

Schuetz introduces this topic by bringing up a point made in Anthony Downs’ book Opening Up the Suburbs. Downs makes a point that the achievement of society cannot go forward without equal opportunity for all social classes. He claims that the exclusion of lower social classes from living in more desirable suburban areas “will eventually undermine achievement of one of our fundamental goals: true equality of opportunity” (Downs, 1973, p. vii). Starting with this idea, Schuetz makes the point that excluding low-income families could lead to a gap in opportunity for less affluent families. For example, she talks about how by being excluded from a neighborhood can lead to poor families living in areas where they have less employment opportunities, less access to good quality schools, and even less access to public services as well as physical environment. While it may be argued that these families may not have access to these resources because of poor employment potential, lack of skills, or financial irresponsibility, Schuetz makes the argument that zoning codes have a large impact on who can afford to live in improved suburban areas.

The article examines these claims by looking at the prices of rent and how they are affected by zoning policies. The results of the analysis state that housing regulations hinder production of multifamily housing. This causes a small decrease in rents, but there was no significant association between the increase of multifamily housing and rent prices. Another zoning regulation that is discussed is the increase of greenbelts correlating with increased housing prices. Growth control policies such as greenbelts increase rent prices because they decrease the amount of land available to zone for housing. Traditional zoning policies such as minimum lot size also have an impact on rent prices. These zoning policies are known to raise rent prices by creating a demand of high income housing, with high income resources. Schuetz examines how the small amount of land is zoned for multifamily housing to restrict rental housing. Municipalities can also restrict rentals by creating barriers to development such as special permits.

Overall, these restrictions suggest that regulations impede the development of new rental housing, which causes housing prices to increase. The effects of zoning are less clear based on the research but it is suggested that the requirement of special permits hinders the ability for multifamily homes to have access to better suburban areas.

The Role of Private Agents in Affordable Housing Policy: A Summary

By: B. Stebbins

In the article, Graddy and Bostic analyze the consequences of our increasing reliance on private agents in the formulation and implementation of affordable housing policy and conclude that these private agents do respond to policy incentives - albeit to varying degrees - mitigating concerns about the loss of public control in this policy area. They state that although the federal government has a set of broad policy goals of providing safe, affordable, and quality housing for all, it has not always been able to implement such policy goals well. The widespread dissatisfaction with public production due to its high cost, often poor design and administration led the federal government to move away from and rely on lower levels of government for implementation. This devolution of affordable housing policy has brought a dispersion of authority across state, regional, and local governments and diffuse accountability. Not only do local governments have little incentive to meet federal or regional goals but to the extent that oversight is left at the local level, accountability and coordination will end up being narrowly focused (Graddy & Bostic).

Compounding these challenges of authority and accountability, Graddy and Bostic state that the primary problem in providing affordable housing is that in the places it is needed most, the rents and sale prices required to make a residence affordable do not support financially feasible projects. Multiple policy instruments like the Low-Income Housing Tax Credit (LIHTC) Program, HOME Investment and Partnership Program, Community Development Block Grant (CDBG) Program, Section 8 housing vouchers, tax-exempt bonds, density bonus permits, and inclusionary zoning practices are used to incentivize private developers to produce affordable housing. However, the response from private developers to these incentives are different based upon the framework in which they operate and lead to varying degrees of power and influence among the various institutions and actors. Adding to this primary problem is what these affordable housing projects will look like and how they align with local community needs (Graddy & Bostic).

According to Graddy and Bostic, in both of their case studies of the Massachusetts and New Jersey frameworks, affordable housing production clearly differs, and degrades, once the jurisdictional threshold, as defined by each state, for acceptable housing performance is achieved. This is obviously problematic because jurisdictional changes do not have to be addressed once the acceptable housing performance is achieved, even though the problem of affordable housing may not have been fully addressed. This is because developers recognize and do not seek out jurisdictions for housing projects that would significantly increase their affordable housing share, leaving little incentives for jurisdictions above the threshold to permit more affordable housing. In sum, the most important consequence of our current affordable housing policy is that private developers take a leading role in deciding when and where affordable housing will be built. Thus, the structure of governance of affordable housing policy is of utmost importance in mitigating these concerns of private agents acting in their own self-interest (Graddy & Bostic).

Citation: Graddy, E., & Bostic, R. (2010). The Role of Private Agents in Affordable Housing Policy. Journal of Public Administration Research and Theory: J-PART, 20, I81-I99. Retrieved from http://www.jstor.org/stable/20627910

A Summary on Urban Growth and Housing Affordability: The Conflict

By: B. Stebbins

The premise of the article is that when cities are in decline, they experience decreasing density and an excess supply of housing which keeps housing prices low. However, when cities grow their density increases resulting in higher housing prices and rents because urban land is in limited supply (Voith & Wachter, p. 113).

The article points out several different factors that can enable some cities to stabilize, grow, and emerge from a cycle of decline by reinventing themselves as knowledge centers. Voith & Wachter attributed the shift away from manufacturing as a considerable drive in city decline. The gap in cost competitiveness between city and suburban locations was also a contributing factor. However, today there is little manufacturing left to lose with the development of the white-collar economy as any remaining manufacturing is specialized and dependent on the knowledge- and market-related agglomerations provided by cities (Voith & Wachter, p. 119).

The article examined about thirty different “comeback” cities for rental versus housing affordability by analyzing trends in the capitalization rates, which is the ratio of rents to housing prices. These differences in “capitalization rates across cities can be thought of as a result of different forecasts of supply and demand in the housing market, as well as different forecasts of risks in investing in these markets.” They noted that “cities with high capitalization rates reflect higher risks, lower forecasted population growth, and low future rental growth” (Voith & wachter, p. 120).

Another important factor that they noted was the elasticity of supply or a city’s ability to grow. Geographical constraints like peninsulas or islands have low elasticity because demand can increase but supply is simply unable to do the same resulting in price increases. Additionally, they noted that very little affordable housing is constructed in the United States that isn’t subsidized directly through government programs, supported by nonprofit initiatives, or required through regulation like inclusionary zoning laws. Therefore, any new market rate housing that is affordable is often produced where the land costs are cheap and distant from economic opportunity, which often leads to higher transportation costs.

Voith & Wachter argue that this is problematic because if left to the market alone, these growing cities are unlikely to provide any significant amount of new affordable housing units because the cost of such projects do not justify their moderate pricing. Consequently, this is why you often see housing passed down or filtered from higher-income groups to lower-income groups in the United States as the housing ages, depreciates, and becomes increasingly obsolescent (Voith & Wachter, p. 124). They suggest that because rental increases are not as volatile as housing prices, slowing decline in the older neighborhoods should provide some housing affordability relief as fewer units will be allowed to deteriorate to the point of abandonment which will manage to stave off disinvestment in the near term.

Citation: Voith, R., & Wachter, S. (2009). Urban Growth and Housing Affordability: The Conflict. The Annals of the American Academy of Political and Social Science, 626, 112-131. Retrieved from http://www.jstor.org/stable/40375927

how many cities are burdended by geographic constraints but have under utiliteved land?

what other impact will rising rates have on affordable housing?

Gentrification -- or housing patterns -- is a great topic to explore with youth, precisely because it is both in the news and the stories represent historical patterns that can be studied deeply. Similarly, this is a teaching moment that can be about what is happening in the lives of youth in our classes and built on the strategies of placed-based education and writing. I started to pull some of this together around Renee Watson's Youth Adult novel Close To Home and Linda Christensen's work with the Oregon Writing Project and beyond with the Roots of Gentrification. See http://youthvoices.net/home1 I'd love to finish some of this curriculum development -- but only when teaching the material with students, not in the abastract.

A study of housing cost in San Francisco from the 1950s to 2016.

Parental Incarceration, child homelessness, and the invisible consequences of mass imprisonment

Using data from the Fragile Families and Child Wellbeing study, the author “investigates average and race-specific effects of paternal and maternal incarceration on the risk of child homeless (p.74).” Authors of this study use the “analytic sample,” of children who had “at least one parent complete both the 30- and 60 month interview (p.79).” Although number of observations was large (N=3,774) it only represented about 75% of the children identified in the sample. Missing data is a noteworthy limitation. The main argument author makes is that the effects of paternal and maternal incarceration have different effects on children. Families with incarcerated fathers tend to lose family finances. Due to this consequence, families lose access to institutional and informal supports. Mothers left to take care of families often suffer from depression (due to losing their partner) and their ability to take care their child(ren) suffers. Maternal incarceration, author theorizes, results in foster care or other forms of housing, but it reduces chance of child homelessness. Therefore, increase in paternal imprisonment increases child homelessness, while female imprisonment increases foster care placements (p.75). The results in the study “support the hypothesis that paternal but not maternal incarceration increases the risk of child homelessness, and show that nearly all these effects are concentrated among African American children (p.75).” According to National Center on Family Homelessness 2009, “two percent of children are now homeless annually, with rates higher in cities (p.76).” According to the research, “shifts in social policies, deindustrialization, increases in single parenthood, and the housing squeeze played a role in increasing the risk of homelessness for black children (p.76).” This article attempts to shed light on the parental incarceration and child homelessness but more research needs to be developed. Its three limitations are (1) little discussion of potential mechanisms, (2) “data used preclude controls for confounders such as prior homelessness, eviction and incarceration, (3) it doesn’t test for disparate effects by race nor takes account for whether paternal and maternal incarceration increase the risk of child homelessness. Authors offer that further research should focus on “disproportionately detrimental effects of paternal incarceration on black children (p.92).”<br> The study concludes that “results from logistic regression and propensity score models consistently indicate that recent paternal incarceration increases the risk of child homelessness; maternal incarceration, on the other hand, was never associated with a significant change in risk (p.92).” The results provide three implications in regards to the effects of mass imprisonment on social inequality; 1) paternal and maternal incarceration lead to parallel paths of marginalization; this study is the first to show paternal incarceration increases risk of child homelessness. Second, these small effects have large implications; when combined with “increases and disparity in the risk of paternal imprisonment, they imply the prison boom accounted for 65% increase in black-white inequality of child homelessness (p.92).” Finally, as children of prison boom come of age, an expectation of increasing black-white gaps in civil preparedness and political participation. Children homelessness is once again in the light, because as mentioned previously, Social Construction Framework suggests that children are low on political power and higher on deserving scale. As innocent, or unable to fend for themselves it is easy to request social attention to their needs, especially when they are exposed to homelessness without any reason of their own but because they’re born to parents who are incarcerated. The challenge lies with incarcerated parents however, since social construction and power typology chart shows criminals on low power, underserving part of the scale which in effect reflects poorly on their children. By creating a reputation for incarcerated parents; limit their employment once they’re out, access to public assistance, heavy fines to pay back, the children are exposed to a limited amount of help and therefore more exposed to homelessness.

How infrastructure relates to race. Brings Harvey's, The Right to the City to mind with public housing serving as a way to segregate neighborhoods.

Are economically poor information poor? Does the digital divide affect the homeless and access to information?

To begin, digital divide refers to the gap between those who have access to information (“information haves”) and those who do not (information have nots). Digital divide causes great concerns regarding individual’s and family’s access to information. Much focus from the Government has been placed on providing internet to public school and libraries to limit the digital divide and provide access to digital information for all. According to the author, the literature on digital divide focuses on who has and who doesn’t have access to the Internet, as well as what libraries can do to lessen the divide. However, further research, such as addressing lack of Internet access at home, is needed to focus on digital divide specifically.<br> By gathering information through interviews and participant observation from six family shelters in Indianapolis, five in Seattle, and one family shelter in Greensboro the research focuses on how valuable and useful of an information seeking tool the Internet would be in everyday lives of homeless families This qualitative approach was “undertaken to gather data to answer research questions concerning everyday life information needs,” and “information poverty (p.242).” Twenty-five in depth interviews of homeless parents living in shelters were also conducted to answer the posed research questions. Majority of residents interviewed did not find internet as a major source of information. In fact, most reported that the most useful way to communicate was face to face and then get the information in writing. Overall the information gathered was from social service agencies and clergy, or friends and family. Even though majority of respondents lacked basic computer skills they did not think they were information poor. Most information about resources was shared informally between shelter residents, especially if person sharing did not need that resource for themselves. According to the article, because resources are limited and non-profits fear being overrun with those in need, they keep a lot of their information off the web. Even social service agents found some resource information from other staff members as opposed to online. The study explains six propositions introduced by Chatman’s (1996) research on information insiders and outsiders. Information insiders are those who have been homeless before and understand how to navigate the system, information outsiders are those who are first time homeless. Based on the research, six propositions were suggested as to why people fail to gather information. Proposition 1: Lack of resources rather than lack of information was the issue. Proposition 2: information poverty is partially associated with class distinction and outsiders withhold privileged access to information. Proposition 3: Self-protective behavior affects the information shared. Not everyone wants to share their personal info with resource staff or with other residents. Proposition 4: Secrecy and deception as part of self-protecting can affect information sharing especially with those providing resources. Deception was common when trying to gain access to resources for which informant may not be eligible.

Proposition 5: At times, individuals are more likely to share personal information such as substance abuse or domestic with resource providers because the need for resource assistance outweighed the concern over possible negative consequences (p.246).

Proposition 6: New knowledge will be selectively introduced into the information world of poor people. Shelter residents were more likely to say they are suffering from information overload than lack of information. The study explains that these findings are limited and not generalizable but can be transferable. Further research is needed to determine if shelters provide information access and if they do not, why not. The homeless lack sufficient economic resources such as stable housing but they do not feel that they lack information or access to information. In fact, most feel that they receive more information than necessary and are “tired of people thinking just because we’re poor we ain’t got nothing (p.247).” It will be interesting to see how digital divide and information access changes as new generations, such as children of parents interviewed emerge into more Internet dependent society. For now, the lack of access to digital information does not seem to negatively affect the everyday life of homeless parents. Surprisingly this paper was written in 2013 so a lot more emphasis on Internet would’ve been expected. As the information states, Government has already attempted to address the digital divide by providing Internet access as publicly as possible. The other issue is that some information is withheld from the web due to large need that agencies cannot fulfill. Social Construction Theory indicates that homeless are considered deserving part of the population so these services are provided to them, especially families seeking basic needs such as housing, employment and health resources. There are Government agencies in place that address these needs but not nearly at capacities at which the need exists. Clearly we see the complexity of Social Construction Theory; since homeless are low on power scale, and borderline between deserving and undeserving it’ difficult to provide for them but also as difficult not to provide for them.

Promoting Positive Parenting in the Context of Homelessness

National reports indicate that number of families with children experiencing homelessness is rising across urban, rural and suburban area. These families, study suggests, are “disporportionatly more likely to have exierpence economic, health and social risk factors. These influences, and those impacted by being in homeless environment influence the parent-child relationship which affects the development of children in these situations. This article review the literature on determinants and contextual issues of parent in shelter, describes specific programs that are focused on positive parenting and provides recommendations for supporting positive parenting among families living without their own homes. The study argues that the parent child relations is affected by stressful events in parent’s life or overall family environment. The shelter environment and staff that intervenes in these parent’s parenting also impacts child parent relationship and parent’s confidence. Based on research parents in shelters and transitional housing state that they felt like they were parenting in public and this affected their parenting enormously. In return, children who lack child parent relationship are more likely to experience behavioral, developmental, educational challenges. Overall, parents (families) who enter shelters more than likely have already experience chronic neighborhood violence and domestic violence, among other stressors which impede their ability to focus on parenting. According to the article, parenting difficulties can intensify for parents in homelessness to the point of abuse and neglect, which in turn, exposes kids to foster care system. Programs such as Family Care Curriculum, Parenting Through Change and Psychological First Aid, are all parenting programs designed for families experiencing homelessness. Parenting Through Changes offers “14-week, 90 minute per session group format emphasizing active learning and role play to acquire positive parenting (p.405).” Family Care Curriculum is a “6 week program that meets one per week for 60 minutes and aims to change parenting beliefs and attitudes through the development of reflective capacities (p.406).” Psychological First Aid (PFA) is “a brief evidence-informed intervention that was original developed to offer psychological support and stabilization to individuals and families following natural disasters and trauma (p.406).” The PFA has been proved successful, use nationally and internationally and has been translated into several languages. All three of these programs focus on helping families cope with homelessness and help parents build positive parenting. The article calls for acknowledgement among service providers and shelters for addressing differences among families and their needs. That different approaches must take place and services utilizing which will nourish parent child relationships. Organizations need to collaborate more, especially because funding is a huge concern. Policies such as Homeless Emergency Assistance and Rapid Transition to Housing (HEARTH 2011) needs to focus on families. Overall, we need to remove the “assumption that homelessness is simply a matter of housing,” and understand that “…many families experiencing homelessness are facing a complex array of risk factors that go beyond housing alone (p.409)” The article, just like the Social Construction Theory suggests that “children have fundamental right to thrive in health, safe families and communities… (p.410)” There is an emphasis on what is deserved and factors affecting child-parent relationships are geared more towards the external reasons than simply blaming the parent or child. It is important that the tone of article addresses limitations in research and progress, identifies what has been done and the fact that there is much more needed. In this situation families, especially children, are high on deserving scale and requiring services and focus on them, is not only easy but most appropriate.

“Homelessness has continues to be a major social problem in the United States, especially among people with psychiatric and substance use disorders,” state authors of the study (p.412). During the 1990’s, public health and policy focused on providing emergency shelter to individuals, now the emphasis has turned towards providing more permanent, supportive housing as a means of solving homelessness. Most recently, attention has focused on highlighting “social reintegration and primary prevention of homelessness” before it occurs (p.412). The special concern about homelessness among military veterans is due in part because they’re “deserving of special protection because of their national service (p.412).” The study focuses on a national sample of Veterans that are homeless and non-homeless and are currently receiving mental health services through Veteran Affairs (VA). Authors used VA administrative data from fiscal year 2009 to conducted case-control study of all veterans who used VA mental health specialty services in 2009. Homeless veterans were designed as those who a) used specialized VA homeless program services and/or lacked housing during 2009. Control population included 1,011,368 veterans who utilized specialty mental health services during FY2009 but did not received VA homeless services. Demographic characteristics included gender, age, ethnicity, race, geographic location, and income. The study concluded that “substances use disorders (particularly illicit drugs use disorders) were the single strongest predictor of homelessness in this national sample of FY2009 VA mental health users (p.415).” The study suggested that VA homelessness prevention efforts should focus on treatment of veterans with substance use disorders as well as on their housing risk. In the past Veterans did not utilize substance treatment services but we see that has changed by 2009. The study proposes that “[a]ccess to effective substance use treatment may facilitate a reduction in homelessness among veterans and should remain a focus of prevention efforts in the future (p.416).” The results also suggest that service connected disability benefits reduce the risk of becoming homeless. This is why, the study recommends that offering social service programs, such as HUD VA Support Housing may provide most effective approach to homeless prevention because it ties the individual to Veteran Affairs and housing. I continue to tie Social Construction Theory to the homelessness and housing issues, I suggest the same in this case. In fact, the article itself states that, veterans are deserving of special protection because of their national service. We see this population, returning from the recent wars in the Middle East as deserving due to their service and their health conditions. According to the social construction and power typology chart, military is viewed as positive and deserving with higher power. This group deserves the benefits and respect due to their selfless contributions to safety and protection of our entire country. Providing benefits to such advantaged group generates political capital among policy makers and it’s almost a no brainer when it comes to making the decision to pass a policy or address the issue of homeless among this highly deserving population.

Ellen Bassuk writes this article with intention to bring more focus on homelessness among families, specifically children, and discusses the consequences and side effects homeless children face. The article states that a lot of previous studies investigated impact of homelessness by comparing homeless children with those of their low income counterparts, however this does not create responsive solutions. Through research we are aware that homeless children are faced with greater challenges than those with housing. Overall, children in homelessness experience health and well-being insufficiency; their parent(s) (usually single mothers) are unable to care for them, the trauma of homelessness disables them to be caretaker the child needs and creates limitations in child’s development. Mobility, which is inevitable among homeless who are constantly seeking place to live, affects children’s performance in school, social interactions and psyche. Article states that, “poverty and traumatic stress can results in poor mental health, behavioral problems, developmental milestones, emotional dysregulation, attachment disorders, anxiety and depression.”

According to the data collected by 12,550 Local Education Agencies, approximately 1.5 million children experience homelessness in American each year, yet, most federal policy has focused on chronically homeless individuals and introduced the Housing First model to address homelessness among individuals.

The Interagency Council on Homelessness issued “Opening Doors – the first ever comprehensive strategic plan to prevent and end homelessness in America” in 2009. By the interagency collaboration the “key focus and goal is to prevent and end homeless for families, youth and children within 10 years.” More focus is faced on rapid rehousing to assist individuals rather than continue support of shelters. Article explains that programs and policies need to provide services for the whole family – including children. BSAFE, for example, is a program developed to identify family member’s needs and provide referrals to community support and services.

In order for the Campaign to End Child Homelessness to be successful however, mobilization of political will at the national, state and local levels will be required along with the implementation of effective interventions. So far the campaign has been gaining momentum; collation of providers, consumers, advocates, and policy makers is forming to identify needs and solutions for ending family homelessness.

“The failure to house one child for even one night in our nation represents an unacceptable societal failing,” concludes the article, than adds; “[A]ll that is required is the public will to end this national tragedy.”

The article acknowledges the shortcomings in addressing family homelessness and explains certain federal policies that have attempted to address these concerns. The conclusion of the article places a heavy responsibility on public will to solve and eradicate homelessness which indicates that The Social Construction Theory is challenged. As article states, over a decade has been dedicated to Housing First model, which provides housing for chronically homeless, yet homeless families have been excluded from this model. Per Social Construction Theory, homeless children especially, were considered the most deserving, this article is attempting to bring that notion back. It acknowledges that there was a shift in social construction and it’s affecting homeless children and families greatly.

Similar to what we see in Clark County WA, Boston, Massachusetts is faced with a housing problem where low income housing is scarce and rents are skyrocketing. A case control study of 49 homeless, female headed families and 81 house female-headed families in Boston attempted to reveal “Why Does Family Homelessness Occur?” Sample was collected from local shelters in Boston where homeless families stayed between April and July 1985. Housed families sample was collected via 1980 census. Both homeless and housed families had a choice of participating and were given monetary compensation for their time. Data was collected by personal interview of the mothers and children by a psychiatrist or psychologist. The comparison of homeless and housed mothers revealed important similarities and differences. In both groups, mothers were poor, currently single, had little work experience and relied on public assistance. Additionally both groups reported experiencing a major family disruption during childhood. Many of their children had serious developmental and emotional problems and showed poor performance in school. Additionally, children in homeless families were more likely to be abused or neglected. The homeless mothers had weaker support systems, which more likely consisted of men. They were also much frequently abused as children, and had been more frequently battered as adults. A greater proportion of homeless women had substance abuse or psychiatric problems than housed women did. The study states that family’s support network plays an important role and determines whether a family will need shelter or be able to find housing with friends or family. The fact that homeless mothers had experienced greater family violence as children could also explain, in part, their difficult to form and maintain supportive relationships as adults. Most importantly, this study notes that homeless mothers were less likely to have grown up on welfare than the housed mothers.<br> Although there are limitations that must be noted, the study makes valuable points as well. Data for housed women was collected during daylight, which could have limited the sample to non-working mothers only. The interview setting was different for homeless and housed mothers, and the psychiatrists conducting the interviews had knowledge of which individuals belong to which group. Again, I use the Social Construction and Typology Power as a discussion point for the study above. Homeless mothers more frequently experience abuse and family violence, their children have experienced neglect and show poor performance in school, and although Social Construction Theory suggests that they are “dependents” and deserving in terms of sympathy and pity, they still account for one third of the estimated homeless population of 2.5 million people nationwide. They are also the fastest growing subgroup according to the study. If it was the case that this specific group: homeless mothers with children, were in fact deserving, than we should be seeing a decrease in their numbers.

Housing First program, a nationwide effort to address chronic homelessness encourages the notion that providing housing to individuals, without putting limitations on them, will further enable their transition from homelessness and will decrease the use and cost of public services such as hospitals, shelters and jails. This study specifically focuses on chronically homeless individuals with severe alcohol problems and the effects of Housing First on their lifestyle. One large concerns of chronically homeless, is the high public system costs because chronically homeless use local crisis services at high levels. When considering alcoholism, substances abuse and mental illness these costs increase. According to the website, a study of “Quasi-experimental design comparing 95 housed participants (with drinking permitted) with 39 wait-list control participants enrolled between November 2005 and March 2007 in Seattle, Washington.” Participants with the highest total cost in 2004 were selected from a rank ordered list of chronically homeless with alcohol related hospital emergency stays to move into Eastlake, a Housing First apartment building in Seattle, the additional individuals were waitlisted as control group. According to the study, Participants received $5 for attending the study introduction and $20 for each interview. Participants were interviewed at baseline and at 3, 6, 9, and 12 months after enrollment. In addition, researchers collected data from variety of public agencies such as Department of Health and Human Services, Harborview Medical Center (HMC), King County Correctional Facility, Public Health–Seattle & King County, and Downtown Emergency Service Center. The results indicated that those who stayed at Eastlake showed decreases in cost over time. Prior to acceptance their cost was $4066 per person, per month. After six months of living in housing, it decreased to $1492 per person, and finally down to $958 after 12 months in a Housing First program. Although limitations in study are present, the study was able to conclude that the overall cost does in public burden goes down and that “[h]ousing First is associated with improvements in the life circumstances and drinking behaviors of this chronically homeless population while reducing their use of expensive health and criminal justice services.”

On a comparison level, this study encompasses very small portion of homeless population and housing issues. These specific individuals are not able to retain temporary or permanent housing unless they are going through a Housing First model, because both temporary and permanent housing requires abstinence from substances. We learn in the Social Construction Theory that homeless are least deserving and are considered deviants. The society views them as a burden, yet in order to cope with being homeless they resort to substance abuse or have severe mental illness problems and their behavior is constantly criminalized preventing them from ever finding permanent housing. In a sense this is a psychological approach to serving chronically homeless; by providing them a home, a place to stay, they will be able to put energy towards bettering their lives by meeting with case managers and going through treatment.

Following up on previously posted annotation regarding camping ordinances in Vancouver, WA I learned that the Council will allow overnight camping in public places. As mentioned previously, all laws in regards to park closures, public behavior will still apply and can cause arrests. Vancouver city's legal council pushed for the ordinance in response to the recent case in Boise, ID and in response to Department of Justice opinion. In order to avoid legal repercussions, and because going against Department of Justice would not bring victory, the city approved the ordinance. There is a huge problem with homeless in the Clark County, the lack of shelter and influx of homeless is a problem that this ordinance is nowhere near to fix. According to Andy Silver, of 823 different people that calling seeking emergency shelter, 722 (88%) were told no because of lack of space. Silver states that "this is a step in the right direction," but not "the end of the road." Criminalizing homelessness does not prevent or solve the homeless issues. It further disables people from finding a home. As Katherine Garrett, director of Share House explained, "in th eyes of the landlords, people who have three camping violations on their record might as well have a felony." The Vancouver Police Department will not be doing "sweeps" of homeless camps but would continue to respond to neighbors complaints regarding illegal activity. Police Chief James McElvain said that the police won't "immediately cite" someone and that "their priority starts with crimes against persons and then crimes against property." There is a lot of hype around homelessness and issues revolving housing of people in Clark County. This camping ordinance is a very minor step that will ease some issues but will not come close to eliminating the serious lack of shelter and permanent housing. It's good to see progress so close to home, but social construction theory teaches us that homeless are considered deviants and deviants don't deserve nearly as much as resources. Perhaps, small improvements such as these can change the minds of communities and create homes for many.

The growing number of homeless people has prompted new outlets to write more articles on the ways in which society can help house or service those who are homeless. The article cited below talks about the rise of homeless individuals in Portland and the inability to enforce a camping ban. The camping ban that Portland uses, among many other cities, makes it illegal to establish or maintain a temporary place to live. The Portland Police enforce the camping ban but only when there are complaints about garbage and human waste, which means those who clean up after themselves can continue to illegally camp.

The use of tent villages has been an oddity for Seattle and parts of Portland. These are basically just small communities of tents in a given area. As the article points out. some of these tent cities have grown to become a public eyesore and have rife cases of disease and health concerns. The city of Portland operates two versions of these tent cities, Dignity Village and the RIght 2 Dream Too rest area. The Right 2 Dream Too recently was given the ability to purchase land in the city of Portland by the Portland City Council, which means they have the right to buy land to create a tent city.

My groups topic area is broadly housing policy, but looking closely at Homeless housing policy. Looking at the camping bans that have been put in place is one way to look at housing policy directed at homeless individuals, though the city of Portland has gone farther in offering specific areas for homeless individuals to "make camp" in that they don't have to wait for non-profit or emergency housing.

Link: http://www.oregonlive.com/homeless/2015/06/post_1.html

Because you have to be rich to appreciate beauty. /s

So neat to see Barcelona on this list having just returned from spending a few days there in January. As I was walking through the streets there I was thinking to myself, "Wow, wouldn't it be amazing if San Francisco could have multi-story apartment buildings block after block like this. This feels like a real city!"

I wonder where Goldmacher thinks the funding for the 50% affordable construction will come from if not the other 50% being market-rate. Perhaps he would like to volunteer his tax dollars at a higher rate? Maybe he has some secret way of increasing state or federal funding for affordable housing?

Strange that people think pro-development is inherently not pro-tenant. Where does this message originate? What confusion of alignments happened to create this environment?

Not "more market-rate"; more everything.

This is true and needs to be called out.

I think a lot of that stock was built when federal funding was higher. Now it's not. So what do we do?

Also, what deregulation?

The value of a unit depreciates with time (normalized for any trend in overall prices). That's a very different scenario than taxes.

The issue with this paragraph is that it assumes regulation is not to blame for the high cost of affordable housing. It may well be the case that it is.

This is an article about the problems with unregulated markets, or markets regulated for the benefit of the wealthy. The headline is frustratingly negative and one has to read all the way to the bottom for proposed solutions, nearly all of which actually do involve building more housing (while regulating the market so that a large chunk of that is affordable).

Now we're talking. Welcome the new wealth, tax the hell out of it, and re-invest that in equitable developments.

Yes!

We should also be vigilantly opposing any development near transit hubs that has a significant amount of parking. There is no excuse for having parking in a luxury building near transit when there could be affordable units.

Yes. And San Francisco did just pass a tax on houses sold within 5 years of purchase. Good, work!

Right. So build 100,000.

Throughout this article a basic statistical reasoning error is made. The reasoning goes: the average cost is higher, so there is less affordable housing. Seriously affordable housing often comes with subsidies and income restrictions. It doesn't matter how much more expensive the high end is, that housing is still going to be affordable, and the people with high salaries cannot live there. The average price goes up, but the price of income-controlled housing does not, necessarily, go with it, because that price is controlled by regulation.

Of course, the rates for affordable housing are pegged to a percentage of the media income, but if enough of the new building is affordable housing the median doesn't change.

Affordable housing advocates should be fighting for lots of building because there are people who are not wealthy that want to move here, too, and there are not enough units for them, either. Not building accomplishes nothing for lower-income residents.

This is why in a boom time we should be milking the developers for every last unit they're willing to build. When the inevitable bust happens, this will be our middle class housing stock. In fact, the more we build now, the cheaper each unit will be if demand does fall sharply. If things end up really bad, maybe the city can even pick up foreclosed buildings for cheap and turn around and make them into affordable housing.

This person has never heard of Detroit.

Straw person arguments!!!

Upzone and regulate!!

Like building something bigger with rentable units? Upzoning creates the financial possibility that zoning is otherwise prohibiting the owner from realizing.

This cost curve just has several phases. Building up does mean that prices can be lower, up until the phase change where materials shift and architecture changes.

Only in an unregulated market is this true. So regulate it, stupid!

Right. That means there is a margin. That margin could be reduced, such as by requiring more affordable units. As long as it doesn't go to zero, building will still happen.

This reasoning does not have to assume developers will pass on the savings. San Francisco could instead use policy to regulate the number of affordable units. Streamlining the development process would lower the cost so that new building can still generate a return with a larger percentage of available units.

The "trickle down effect" doesn't have to "work" here. The purpose of building more housing is not to have the price of affordable housing be lower. It's to have the price of market-rate housing be lower. That will happen if you build more housing.

And without new buildings to rent, they will pay for the ones where the teachers, government workers, nurses and baristas are currently living.

Or, new buildings could be built, leaving existing tenants to stay where they are.

However, there are limits on what you can charge for a piece of property. Being in a desirable location is not the only factor. If you have an old, small, wood building next to a large, new build luxury loft, guess which one is going to be cheaper?

1. Requiring more affordable housing would make many of these units affordable. Of course.
2. The result would be more density, which is better for small businesses because they get more customers.

Of course, if the developers don't want to build housing at all, or not with those restrictions, then we can return to the other points of this article and play with zoning. Then go back to the steps above.

Probably, we should do all the things. Because whether or not we can "solve" the housing "crisis" without a whole lot more density, I want density anyway. That's why I live in a city and not the suburbs.