Both 负担得起的 rental housing and sustainable 负担得起的 homeownership located in opportunity connected communities are essential to improving overall affordability and household stability in the housing market. 因此, public and private sector solutions should span the rental housing and homeownership markets to address structural change in the broader housing ecosystem. 政策makers can address COVID-induced challenges and long-term recovery for renters and homeowners by closing the gaps that leave cost-burdened households vulnerable to economic shocks. 这需要采取多方面的方法, including advancing policies that effectively produce and preserve more housing units at lower costs, supporting common sense regulatory reforms to increase availability of sustainable mortgage credit, and removing bias-based barriers that have impeded people of color from fully participating in the housing market.
促进公平获得稳定, 负担得起的, 机会连网租赁房屋, 我们建议以下政策解决方案:
- 加快实施更有针对性的租赁援助.
- Incentivize eviction reforms that improve outcomes for tenants and landlords and establish a national eviction tracking database.
- Increase funding for effective 负担得起的 housing production programs.
- Incentivize investments that increase economic opportunity in communities that have experienced disinvestment.
- Remove barriers to 负担得起的 rental housing production in opportunity connected communities.
- 减少收入歧视的来源.
- Support Fair Chance Housing for people with criminal backgrounds.
增加公平获得稳定, 负担得起的, 可持续的住房, 我们建议以下政策解决方案:
- Build on COVID-19 protections to effectively support homeowners.
- 简化贷款服务标准.
- Leverage public funds to help homebuyers meet down payment requirements.
- Expand funding to increase supply of 负担得起的 homes for purchase.
- Advance reforms to increase mortgage market liquidity to improve access to 负担得起的, sustainable mortgages that better serve people of color and low-income borrowers.
- Encourage federal housing policies that advance fair housing and address discrimination.
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