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Eviction notice downloads soar after federal moratorium ends

lawdistrict.com

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Re: Eviction notice downloads soar after federal moratorium ends

#151

Earlier quoted context omitted.

Quoted post unavailable.

Personal attacks are not warranted here. Also, it's quite common in the US for retired people to have a lot of their retirement savings invested in rental property.

That doesn't read as a personal attack to me. If someone is overexposed to one risky asset due to poor portfolio construction maybe that's just life in the free market? Property owners are getting paid to take on the risk and illiquidity of holding dirt and bricks, it's not risk free and as a taxpayer I don't see why I should bail out peoples' investments. If anyone needs help paying for food, housing, healthcare, etc then let's put the money towards that.

There's a reasonable argument that it's unjust that being richer by itself gives you access to better returns but small time landlords are not the worst affected by that.

Re: Eviction notice downloads soar after federal moratorium ends

#152
post #28

1. Raise prices of the eviction template to $10000 2. Give the $10000 to the renters being evicted 3. Provide a free template to renters to counter the eviction

Where in that equation do you make any place for landlords to continue to exist?

Re: Eviction notice downloads soar after federal moratorium ends

#153
post #91

Earlier quoted context omitted.

> Landlords don't evict people because they want their properties to be empty. Evicting a tenant and taking in a different one has no effect on the number of people with housing. I'm not sure where I made the impression that landlords want empty properties. They're evicting so that they can bring in paying tenants, but those tenants are often housed elsewhere anyway, not coming out of unhoused or underhoused groups.…

People getting evicted from a two bedroom apartment aren't going to a homeless shelter, they're going to a studio apartment that costs half as much. People getting evicted from a studio apartment aren't getting replaced by Jeff Bezos, they're getting replaced by someone else who can only afford a studio apartment and might have otherwise been homeless. Increasing the number of units on the market will tend to reduce…

You might be surprised the limited extent to which this is true. In many places in the US starting residence requires 3x rent (first, last, deposit) and vacancy rates are low. Getting the deposit back from the previous landlord routinely takes months and while legal assistance can usually expedite this it's hard to find (the public law clinic and the law school clinic are running on waitlists), so deposit return doesn't help like you might think. Public assistance in this area is quite limited and may adversely impact the ability to find housing on its own. And the impact of vacancy rates can't be underestimated... in this city it's currently hard to find anything on the low end with a move-in date within weeks, which often requires a very costly bridge stay in a hotel.

As a volunteer I work with a lot of people who have lost housing due to non-financial circumstances (typically fire) and are unable to afford to obtain housing at the same rent due to the up-front expenses involved. The Catholic Charities or city housing authority are sometimes able to front them last and deposit, but both have a limited budget so it runs on a lottery with a low % chance and landlords often find out the source of these funds and then refuse housing (discrimination based on source of funds is illegal in some states but not this one). Charities can cover hotel stay for usually 4-5 days but not much past that point which is not sufficient to cover the gap until a vacancy much of the time. Our case workers routinely watch people go from losing housing due to circumstances beyond their control to homelessness over the course of 2-3 months as they exhaust both assistance and their own funds covering a hotel while trying to find anything they can move into.

When it comes to move-ins, it's certainly not going to be Jeff Bezos but rent is going up significantly right now and so the landlord almost certainly will replace the tenant with someone who is paying more - often significantly more, I've seen 20% jumps from tenant to tenant. Much like switching jobs in the software industry greatly accelerates your pay raises, switching tenants greatly accelerates the rent raises for landlords in tight markets. Most of the US is a tight market right now.

Re: Eviction notice downloads soar after federal moratorium ends

#154

Earlier quoted context omitted.

hmmm, i live in a similarly sized building with a live-in super. he's not the one receiving a third of my monthly income. where is the rest going?

> where is the rest going? Have you owned a normal-sized house? Repairs, insurance, inspections, et cetera . Also staging, advertising, pursuing delinquencies. Rental yields in most cities are in the low single digits. Where that isn’t true, it’s because local politicians protect the landlords by restricting development, often in cahoots with grandfathered-in renters.

> Repairs, insurance, inspections, et cetera

rents in the city where I live are up 11% in the past year. did the cost of repairs and inspections increase by that much?

> Also staging, advertising, pursuing delinquencies

ah, so I'm paying for my landlord to increase their rate of return and put my fellow tenants on the street. got it.

Re: Eviction notice downloads soar after federal moratorium ends

#155
post #54

Tangential and honest question: how do eviction moratoriums help? I can see how a short ban on evictions can help prevent a spike in a homelessness crisis, but long term I really struggle with it. Is the assumption that all/most landlords have infinite money to support non-payers? Are governments subsidizing 100% of the missed rent?

As a landlord, I can tell you that the government does NOT replace ANY of the missed rent. Moreover, while many tenants have continued to pay their rent - MANY have gradually started realizing that I am unable to evict them, and have completely stopped paying rent. Moreover, they have started collaborating under the assumption that there is more protection if they do it together. Like other landlords, I have lost a t…

There have absolutely been rental relief options available to landlords, I don’t know if your situation qualifies.

You are also entitled to sue your tenants in arrears for every penny of unpaid rent plus the costs of collecting. Even with a judgement you may not be able to collect if they have become destitute, that’s the nature of the business you are in.

I sincerely hope you get a chance to retire, society would be a lot better if everyone is able to. Hopefully we don’t all need a 12 unit building to do so!

Re: Eviction notice downloads soar after federal moratorium ends

#156

Earlier quoted context omitted.

Well if we're talking about loaning 100k for the house, you can always execute your lien holder privileges to take back the house if they don't pay. Mortgage insurance providers a like service to the mortgage provider to minimize losses. I'd much rather be in position backing mortgage on 100k house, backed by mortgage insurance, than risking someone I don't trust with that same 100k having full custody of my house wo…

> Mortgage insurance providers a like service to the mortgage provider to minimize losses If real estate becomes a non-cash producing “asset,” mortgage insurance would become far pricier.

While we're playing the what if game, if any and every untrustworthy character were given custody of 700k house, home owner insurance would also become far pricier.

Re: Eviction notice downloads soar after federal moratorium ends

#157
post #54

Tangential and honest question: how do eviction moratoriums help? I can see how a short ban on evictions can help prevent a spike in a homelessness crisis, but long term I really struggle with it. Is the assumption that all/most landlords have infinite money to support non-payers? Are governments subsidizing 100% of the missed rent?

As a landlord, I can tell you that the government does NOT replace ANY of the missed rent. Moreover, while many tenants have continued to pay their rent - MANY have gradually started realizing that I am unable to evict them, and have completely stopped paying rent. Moreover, they have started collaborating under the assumption that there is more protection if they do it together. Like other landlords, I have lost a t…

Your property value likely doubled in the past year, I think you’ll survive

Re: Eviction notice downloads soar after federal moratorium ends

#158

Earlier quoted context omitted.

why do you think it is one?

There's obviously work in maintaining an inherently depreciating, heavily worn asset. This is true of both landlords and anyone who loans out physical goods as a service.

Depreciating? That’s not how real estate works in the US

Re: Eviction notice downloads soar after federal moratorium ends

#159
post #67

Earlier quoted context omitted.

I've been thinking about this a lot lately. The current state of things appears to be that internet and media/ad revenue AI machine seem to have come together to put us in an sort of shepard tone of fear and impending doom. Pandemic, war, inflation, division, shortages, crypto, every storm has a name, everything is record breaking. I have more to be grateful for than I've ever had before, in spite of all of this some…

I wish I had something insightful to say, but this is so spot on. You have put to words something that I have been struggling finding words for. I wish we could all "see" this issue and somehow get out of the weird algorithms that are plaguing our society. I think that's why I like Hacker News right now. Among other reasons, out of any news sources, the comments here continue to be mostly grounded and reasonable, not…

>out of any news sources, the comments here continue to be mostly grounded and reasonable, not hyperbolic and dramatic.

Unfortunately, somber and stoic news does not have the monetary return from advertising revenue that most news organizations seek. News has become more of an entertainment endeavor rather than one for disseminating information on the state of current affairs. It also seems that the NPR and BBC have gone off the rails in this respect.

Re: Eviction notice downloads soar after federal moratorium ends

#160
post #60
post #19

I'm all for providing a social safety net in exactly the way the US doesn't. Housing (aka shelter) is a key part of that but the way the US does this is completely backwards. The government saying you can't evict someone is basically telling people they don't have to pay rent anymore regardless of need . Rent control is the same way: you can't raise the rent regardless of need . So these programs don't really help pe…

If rentals were illegal the price of buying a 1300 sq. foot home might have been 100k instead of 700k. So I stand by my belief that it's - oh there's already a name for it - rent seeking.

What makes you believe this? If rentals were illegal, then there would be an entire cottage industry spring up around creative ways to lend people money who can't necessarily afford it. Which seems like a way to drive up purchase prices.

Plus, in the most unaffordable places in the world, rental prices are dirt cheap compared to purchase prices. In a lot of these places, rental income is so inconsequential, that places sit empty because owners don't want to deal with renters, since most of their return comes from appreciation. Which suggests that rental prices are completely detached from purchase prices.

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