|Re: a strategy for affordability||<– Date –> <– Thread –>|
|From: bb (bbstat.ufl.edu)|
|Date: Mon, 24 May 2010 20:40:21 -0700 (PDT)|
Sharon writes: > One problem is that banks are getting very picky so you have to have > an income that will support the larger mortgage before you can get > the property to rent. In my experience, that you plan to rent isn't > considered proof of income. Yes. For the example costs from the builder I quoted, the one disability income covered the mortgage of both 700 sf units. ----- > One of the issues that will come up or not come up but greatly > influence the zoning decision is the fear that people who need > small, inexpensive homes will not take care of them so there will be > a blight in the middle of the neighborhood. > In my neighborhood the city has started moving in group homes. Group > homes are intended to deinstitutionalize people by integrating them > back into communities. But they are placing these homes close > together, three in one block, because it's easier for the > staff. They not fulfilling their purpose, and the homes are not kept > up like the neighboring homes homes. The lawns are threadbare from > cars and trucks parking on them. No flowers are ever planted. The > staff comes and goes without ever saying hello -- and this is a > saying hello neighborhood. When people complain they are accused of > discrimination and NIMBY. > A local zoning board seeing this has a vision in their heads of what > low cost housing will bring so that vision will have to be > addressed. That's why many intentional communities end up in rural > areas. No zoning restrictions. All instances of "too many laws". The cost of buying a lot, erecting a building, and burying plumbing is not the problem. The laws are. Anyone who claims the legal red tape is not a big deal should be able to come up with the names of 100 jurisdictions that currently allow small homes cheaply, with sufficient due diligence to satisfy both a homebuilder and a mortgage lender. But if you believe that much legal research will take years, if that many jurisdictions exist at all, that's my point. Brian
- A strategy for affordability, (continued)
- A strategy for affordability Sharon Villines, May 22 2010
- Re: a strategy for affordability Ron Czecholinski, May 22 2010
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