proof of housing instability

Local programs may be able to help with future rent. But money from the Homeowner Assistance Fund created under the American Rescue Plan Act may also be available. Can rental assistance cover the cost of a hotel or motel room? doi: 10.1257/aer.20150572, Ludwig, J., Sanbonmatsu, L., Gennetian, L., Adam, E., Duncan, G. J., Katz, L. F., & McDade, T. W. (2011). Legal services program for those with low incomes in the Boston area. If your landlord refuses to participate in the program (after repeated requests from us), you may be eligible to receive direct payment of the financial award. V@xYdpYJ8B0T\&t`*PyC" i(8yvL,LLB\,230P4S5c o6?02hs0igHdfpYb^33s0053. Overcrowding in the home: An empirical investigation of its possible pathological consequences. Affording housing at the expense of health: Exploring the housing and neighborhood strategies of poor families. (see Figures 1 and 2) With communities of color also navigating the collective pain of higher rates of COVID-19 cases, hospitalizations, and deaths,30 they must face additional medical and funeral costs in addition to potential lost employer-sponsored health insurance and reduced household income due to unemploymentor worse, the loss of an income-earners life. The simplest way to capture a tenants rental obligation is with a current lease or an equivalent letter from their landlord. Community-led and developed solutions must also be provided the funding necessary to build capacity to foster community partnerships and carry out the solutions developed. However, housing discrimination policies that disproportionately affect people of color, such as barring people with criminalized records from renting or obtaining housing vouchers,7 are still legal; and other discriminatory practices, such as landlords showing families of color fewer rental options,8 still occur with little tracking or accountability. This example attempts to capture a range of factors that can lead to risk of housing instability or homelessness. If you cannot find any program in your area, call 2-1-1 or your local housing authority for assistance. https://www.hud.gov/programdescription/mto, Chetty, R., Hendren, N., & Katz, L. F. (2016). The goal is to demonstrate ways grantees and their partners can create online application forms that are user-friendly, succinct, and easily understood. 246 0 obj <>stream We use Native American and American Indian interchangeably in this issue brief, as many reports referenced include either or both terms in their data collection. As part of your ERAP application, you are required to provide contact information for your landlord and submit a "recommendation request" to your landlord. As frameworks such as those in the BREATHE Act specify, those communities most affected by both past harms and the current pandemic must be included at all levels of policy and decision-making. (March 27, 2020), available at, The Health and Economic Recovery Omnibus Emergency Solutions Act of 2020, H.R. http://www.nber.org/mtopublic, U.S. Department of Housing and Urban Development. ACF/HUD Letter to Support Collaboration to Prevent and End Like other renters, you may also qualify for help with utilities or other housing-related expenses. https://www.hud.gov/topics/rental_assistance. "a WebResidential instability is often addressed only at the point of homelessness and is treated as a family or household problem. When documentation of a rental agreement is unavailable, focus on Web Proof of disability or disabling condition. What kind of proof can I use to show my income? https://www.congress.gov/bill/100th-congress/house-bill/558, Schanzer, B., Dominguez, B., Shrout, P. E., & Caton, C. L. (2007). The positions of American Progress, and our policy experts, are independent, and the findings and conclusions presented are those of American Progress alone. sky~.:dcUW$P# 8h$oGo-4j$UI Pedc=MG_O[Zuw*TC;@gRR@ doi: 10.1080/10511482.2015.1015042, Hernndez, D. (2016). In other cases, your local program might give you the money right away, without first contacting your landlord. You must sign a written statement that the information in your application is correct and complete, and that you will use the emergency rental assistance for the costs it is meant to cover. } Finda rental assistance programforyour state, tribe, or localarea. In 2018, 8,200 fair housing complaints were filed for discrimination based on race or national origin6likely a vast undercount of actual occurrences. Example screens for ERA program online applications For example, in some areas, you can apply for rental assistance yourself. Harvard University. Keep copies of important documents like your lease agreement, rent receipts, security deposit receipts, and any written communications with your landlord. If youre a renter having trouble paying your rent, utilities, or other housing costs or if youre a landlord trying to stay afloat with tenants in this situation help may be available. Housing Policy Debate, 26(1), 172187. WebHow can I provide proof that I am at risk of housing instability to qualify for assistance? A past due utility or rent bill or eviction notice, Proof that you live in unsafe or unhealthy living conditions, or, Other proof that the program asks you for, Proof that you paid utilities for your home or apartment unit (like a water bill), Other paperwork that shows regular rent payments, or, You havent signed or co-signed a mortgage for the property that you are renting-to-own, You havent exercised an option to purchase the property. If you need help paying your past and future rent. Each of the following examples demonstrates elements of those guidelines. This example illustrates how you can structure the section on utility assistance. `Fr4S;D1 State and local programs are taking applications from renters and landlords to distribute money from the U.S. Department of Treasurys Emergency Rental Assistance (ERA) program in their own communities. doi: 10.1056/NEJMsa1103216, Aratani, Y., Chau, M. M., Wight, V., & Addy, S. D. (2011). Saegert, S., Fields, D., & Libman, K. (2011). Mortality among homeless adults in Boston: Shifts in causes of death over a 15-year period. Coronavirus Aid, Relief, and Economic Security Act of 2020. Talk to your local program to find out more. We will be happy to walk you through the process. The Office of Housing Stability's Housing Crisis Case Coordinators can help you deal with the eviction process. } But right now,most federal emergency rental assistance programs accept applications from landlords. Money from the federal ERA Program is for renters only. var onSuccessSubmitenSubscribeFooter = function() { The following screens show examples of each of the conditions of eligibility. To do so, specifically when it comes to rental housing, requires: Renters of color face discrimination in obtaining and maintaining housing. Web(e.g., proof of residence at an eligible rental unit in the absence of a lease/rental/sublease agreement) Financial Impact (e.g., unemployment, reduction in i ncome, significantly increased expenses, or other financial hardship) Housing Impact (e.g., risk of housing instability or homelessness) Income qualification Blake, K. S., Kellerson, R. L., & Simic, A. Advancing Racial Equity and Justice, Building an Economy for All, Strengthening Health, Affordable Housing, Coronavirus, COVID-19, Poverty, Racial Equity and Justice, Racial Wealth Gap+6More, Associate Director, State and Local Government Affairs, Senior Director, Safety and Justice Campaign; Director, State and Local Government Affairs. Talk to your landlord. If you apply for help with utilities, be ready to show a bill, invoice, or proof of payment to the utility company or home energy service provider. physically observed the individuals living location/conditions. Wehelpresidents find and maintain stable, safe, and affordable housing. If youre experiencing hardship as a homeowner, visit our Help for homeowners page to learn about your options. All members of the household must be on the lease. Housing Policy Debate, 26(1), 80104. Email If they do not agree, or if they do not respond within seven days (or within five days, if the program contacts your landlord by phone, text, or e-mail), your local program may be able to give the money to you. WebMy household is experiencing housing instability due to (please select all options that apply to your households circumstances): Receipt of a rental eviction notice. People of color, who have faced higher rates of lost employment during the pandemic,10 continue to be disproportionately cost-burdened and at increased risk of eviction.11. doi: 10.1007/s10995-012-0997-8, Herbert, C. W., Morenoff, J. D., & Harding, D. J. Sign Up Recent analysis estimates that the amount of back rent owed may reach as much as $34 billion by years end, with more than 20 million renters8 million householdsfacing possible eviction by January 2021.31 Renters of color disproportionately report being behind on rent, (see Figure 3) and unpaid rent continues to grow. Can I get help with the cost of moving to a new home? U.S. Department of Housing and Urban Development, Office of Policy Development and Research. https://www.jchs.harvard.edu/sites/default/files/reports/files/Harvard_JCHS_The_State_of_the_Nations_Housing_2020_Report_Revised_120720.pdf, Crowley, S. (2003). Housing doi: 10.1177/0192513X14530970, Joint Center for Housing Studies. Journal of Health and Social Behavior, 32(4), 357367. WebRegister National Development Council Acceptable Proof of Risk of Homelessness or Housing Instability Option 1: Demonstrate that you have past due rent and/or utilities Option 2: American Journal of Epidemiology, 168(6), 611619. The effects of exposure to better neighborhoods on children: New evidence from the Moving to Opportunity experiment. Applying for rental assistance may stop the clock on the eviction process if you have a case in Housing Court. Council Considers Bill To Seal Eviction Records, DCist, June 19, 2019, available at, David Thacher, The Rise of Criminal Background Screening in Rental Housing,, Weiss, Housing Access for People with Criminal Records., Reentry and Housing Coalition, Barriers to Housing, available at, Clean Slate Initiative, Home, available at, Joint Center for Housing Studies of Harvard University, Americans Rental Housing 2020 (Cambridge, MA: 2020), available at, Loren Berlin, Using Housing to Fight Discrimination Against People with Disabilities, Urban Institute, April 24, 2019, available at, Guzman and Skow, Multigenerational Housing on the Rise, Fueled by Economic and Social Changes., Elliott Anne Rigsby, Understanding Exclusionary Zoning and Its Impact on Concentrated Poverty, The Century Foundation, June 23, 2016, available at, U.S. Census Bureau, Measuring Household Experiences during the Coronavirus Pandemic, available at. Program requirements may differ at the local level. How can I show that I owe money for utility or home energy costs? If you need help understanding any of the eligibility requirements, please reach us at 651.219.4503 for help. Can I get help with rent and utility bills from last year? Be sure to offer self-attestation if the applicant cannot provide any documentation. Local programs have different requirements. The author would like to thank Areeba Haider and Justin Schweitzer for their fact-checking assistance; Alexandra Cawthorne Gaines, Taryn Williams, and the Race and Ethnicity Policy, Economic Policy, Government Affairs, and Executive teams, as well as the Womens Initiative and Poverty to Prosperity Program, for their review; and CAPs Editorial, Art, and Press teams for their guidance. Use your landlord as a reference so they can confirm your risk of housing instability. During the pandemic, renters of color have reported less overall confidence in being able to pay their next months rent and have reported not having paid the previous months rent on time at disproportionately higher rates than their white counterparts. When an eviction is filedor there is a serial filing,58 whereby a landlord files to evict the same household at the same address multiple timesa tenant can be subject to debt collection that leverages state resources in the favor of landlords over tenants. Acceptable Proof of Risk of Homelessness or Housing Instability Emergency Rental Assistance Program (ERAP) Frequently Asked doi: 10.1007/s13524-015-0419-9, DeLuca, S., Garboden, P. M., & Rosenblatt, P. (2013). 176 0 obj <>stream Kushel, M. B., Gupta, R., Gee, L., & Haas, J. S. (2006). doi: 10.1093/aje/kwn182, National Bureau of Economic Research. Asking for the total amount that the tenant owes for the utility allows all fees needed to maintain that utility to be included. %PDF-1.6 % Proof of rental obligation; 3. For example, people living in lower-income areas rate their own health lower than those living in higher-income neighborhoods.28The Moving to Opportunity (MTO) program provided very low-income families with rental assistance and housing counseling to move from high-poverty to low-poverty neighborhoods.29,30Research on the effects of the MTO program showed that people who moved from high-poverty to low-poverty neighborhoods before the age of 13 were more likely to attend college, had higher incomes, were less likely to be single parents, and lived in better neighborhoods as adults.31Adult women given vouchers through MTO had a lower prevalence of extreme obesity and diabetes after 10 to 16 years compared to those not given vouchers.32. Emily A. Benfer, Solomon J. Greene, and Margaret Hagan, Approaches to Eviction Prevention (Social Science Research Network, 2020): available at, Tenant Resource Center, Eviction, available at, Brian Bieretz, Kimberly Burrowes, and Emily Bramhall, Getting Landlords and Tenants to Talk (Washington: Urban Institute, 2020), available at, National League of Cities, Long-Term Approaches to Preventing Evictions Now and Beyond COVID-19, August 7, 2020), available at, Heidi Schultheis and Catilin Rooney, A Right to Counsel Is a Right to a Fighting Chance: The Importance of Legal Representation in Eviction Proceedings (Washington: Center for American Progress, 2019), available at, Oksana Mironova, Right to Counsel and Stronger Rent Laws Helped Reduce Evictions on 2019, Community Service Society, February 24, 2020, available at, Lexington Law, How Long Does an Eviction Stay on Your Record., Office of Ward 3 Councilmember Mary Cheh, Eviction Record Sealing Authority Amendment Act of 2019, Press release, June 18, 2019, available at, Fairness in Renting Emergency Amendment Act of 2020, B23-0940, Council of the District of Columbia (October 5, 2020), available at, Gapard Le Dem, D.C. Johan Hassel, Kate Donald, Laura Kilbury, 1 More 142 0 obj <>/Filter/FlateDecode/ID[<799FA322036BFF4EB5D08B547890302D><56F5DCEFE7776347BFDDD61E12C4047F>]/Index[102 75]/Info 101 0 R/Length 146/Prev 158116/Root 103 0 R/Size 177/Type/XRef/W[1 3 1]>>stream Albany Government Law Review, 2, 1. The federal ERA Program allows local programs to cover rent, utilities, and home energy costs. U.S. Department of the Treasury Emergency Rental Assistance endstream endobj startxref These example pages can be used by program administrators and staff or vendors in building or modifying ERA applications. We also use the term Latinx, which includes a person or group of people with origins in Latin American. Talk to your local program to find out how they can help. Housing Stability Services Program - Community Action doi: 10.2307/3211288. Research shows that children facing housing instability, homelessness, and poverty are more likely to be involved in the child welfare system. Then you must use the money to pay the landlord or utility yourself. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. If a tenant has a lease or a letter from their landlord theres no need to ask for further documentation. Published by Articulate Storyline www.articulate.com They'll work with Boston residents who are at risk of housing instability. As recent analyses show, renters of color are experiencing disproportionate negative outcomes from COVID-19. Journal of Negro Education, 72(1), 2238. Each week, theOffice of Housing Stabilityhosts a virtual legal clinic for small landlords and tenants. Proof of housing instability. (1987, July 22). The BREATHE Act,82 a holistic racial equity policy platform built by the Movement for Black Lives with support from Reps. Ayanna Pressley (D-MA) and Rashida Tlaib (D-MI), as well as various cosponsors, includes a section on equitable community investments.83 The act advocates for addressing the affordable housing crisis by pushing to advance reconciliation for Native Americans and other communities negatively affected by redlining and other housing discrimination policies and practices. (May 12, 2020), available at, U.S. House Committee on Appropriations, House Passes Updated Heroes Act, Press release, October 1, 2020, available at, National Alliance to End Homelessness, Alliance Legislative Report, available at, U.S. Senate Republican Policy Committee, Update on the Coronavirus Response: HEALS Act, July 28, 2020, available at, Office of Rep. Ilhan Omar, Rep. Email. However, in many cases tenants may not be in a position to provide these documents. Our goal is to put residents on the path to housing stability. Households are considered to be cost burdened if they spend more than 30 percent of their income on housing and severely cost burdened if they spend more than 50 percent of their income on housing.5Cost-burdened households have little left over each month to spend on other necessities such as food, clothing, utilities, and health care.1,6Black and Hispanic households are almost twice as likely as White households to be cost burdened.7, Due to a limited rental market with few affordable vacancies, people with the lowest incomes may be forced to rent substandard housing that exposes them to health and safety risks, such as vermin, mold, water leaks, and inadequate heating or cooling systems.6,8They may also be forced to move in with others, potentially resulting in overcrowding.9Overcrowding is defined as more than 2 people living in the same bedroom or multiple families living in 1 residence.3,10Overcrowding may affect mental health, stress levels, relationships, and sleep, and it may increase the risk of infectious disease.11,12,13, Housing costs that are more than a household can reasonably afford can lead to foreclosure or eviction (a forced move).9Forced moves may also happen if a landlord is in foreclosure or the property is deemed unsafe for living.14Foreclosures cause loss of money and possessions and can damage the social fabric of neighborhoods.15Evictions that go through the court system result in a permanent record, which can cause potential landlords to refuse to rent to evictees in the future.16Research has shown that renters who are forced to move are more likely to relocate to poorer and higher-crime neighborhoods compared to those who move voluntarily.17Evictions may be especially traumatizing to residents due to short relocation notices.17,18Suicide rates linked to stress doubled between 2005 and 2010,19when the United States experienced historically high rates of foreclosures, including foreclosures on rental properties.8,20, Housing instability may impact some populations more than others. Including a list of the potential months helps applicants think through each month.

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