Blog Posts

Proposed Corona Relief Bill

Emergency Coronavirus Relief Act of 2020

A bipartisan group of lawmakers on Monday released two bills they said would provide the nation with emergency economic relief amid the pandemic. 

This bill is a $748 billion package that includes new unemployment benefits, small business aid and other programs that received broad bipartisan support.

Read the full text of the bill at the Washington Post

The bill includes new unemployment benefits, small business aid and other programs that received broad bipartisan support such as:

  • 16 weeks of unemployment benefits at $300 per week for jobless Americans
  • 16-week extensions in base unemployment benefits and the unemployment program for gig workers and independent contractors.
  • Devotes $300 billion in small-business relief, including a second round of Paycheck Protection Program funding.
  • Includes $82 billion for schools;
  • Includes $13 billion in emergency food assistance;
  • Includes$25 billion in rental assistance;
  • Plus $35 billion for health-care providers;
  • And $13 billion for farmers, ranchers, growers, and fisheries; among other measures.

Plus they propose to extend the Eviction Moratoriums until January 31st by which time they hope that unemployment, rental assistance and all the other programs will have kicked in allowing most renters and housing providers to be brought current.

Key Take Aways

  1. Landlords can apply directly. This will prevent tenants from simply filing CDC Declaration and then not completing App for govt. assistance.
  2. Cities and counties over 200k population (was 500k in CARES) now get their own fund allocation. Good for smaller places but less money for larger localities to disburse themselves. 
  3. If landlord refuses to participate in new $25B program the tenant can get money directly for their rent. A “rent notice” of arrears is now sufficient to qualify the tenant. Had been confusion about whether “eviction notice” was necessary. 
  4. CDC Order extended to 1/31/21 by statute. Bill says nothing about changing the CDC FAQ. Which is GOOD b/c right to challenge Declaration is important when tenants have income but refuse to pay ANYTHING.

Thanks to Tim Ballering & Heiner Giese for their input and the Washington Post for Reporting.

Avoid Another Housing Crash – Eviction-Prevention& Emergency Rental Assistance is Needed Today!

Letter to Congress

The U.S. Census Bureau estimates that as many as 34 million individual renters in the United States are at risk of eviction when the CDC and state eviction moratoriums are lifted. 1 Almost nine percent of all US residents are at risk of being displaced. This would represent a human tragedy on a scale not experienced in the US since the Great Depression.

Small property owners continue to play a central role in America’s rental housing. A June 2020 study by HUD and the US Census Bureau, found that over 40 percent of all rental properties are owned by individual investors, and many of these properties are mortgaged.2 The non-partisan Urban Institute reported in November that 31 percent of surveyed small landlords felt pressure to sell their properties because of missed rent payments associated with the Pandemic. 3 In a survey done by the Kansas City Regional Housing Alliance, a coalition of housing providers representing over 100,000 rental units, Stacey Johnson-Cosby, president of the group says that “42% of my peers said that they will sell their properties because of a loss of income during the eviction moratorium. We cannot afford to lose this inventory owned by the small-medium housing providers. The corporate, Wall Street investors will be the ones swooping in to buy these properties if we are forced to fail.”

An analysis prepared for the National Council of State Housing Finance Agencies estimates that by January 2021, renters who are in danger of eviction will owe between $25.1 billion and $34.3 billion in back rent. This is money that property owners are unlikely to collect. According to a small housing provider in Indiana, Grant Anderson says, “I am running through my reserves at a staggering rate due to the non-payment of rent. One tenant is not attempting to make additional rent payments and will owe thousands of dollars that I will not be able to collect. Therefore, I am not only paying for my family to live, but I am also paying for this tenant’s family to live for free. Like most other landlords, I am not in the position to continue this. I am struggling to survive myself, but my only options are to not pay my mortgage and leave my family homeless or not pay his mortgage and the tenant can deal with the bank as a new owner.”

Only swift and decisive action by the US Congress can prevent massive losses to small property owners. Without rental support, small landlords will be forced to choose between losing their properties and evicting non-paying tenants. A wave of evictions will almost certainly worsen the Pandemic. Preliminary results of a study conducted by faculty from Johns Hopkins, UCLA, Wake Forest University, and Boston University indicate that Covid infections increase 210% ten weeks after eviction moratoriums have been lifted. Deaths from Covid increased 5.4 times seven weeks following the expiration of eviction moratoriums.4 The social costs are not limited to health care expenses and risks of overwhelming our already burdened hospitals. Inevitably, forcing families from their homes will also cause children to fall further behind in school. Taxpayers will bear the burden of these costs for years to come.

While moratoriums have softened a dangerous spike in evictions, this solution places an inequitable burden on small property owners. These owners still must pay mortgages, taxes, and insurance as well as the ongoing costs for management and maintenance. In many cases, these small properties are vital for retirement investments.

Swift action by the federal government is necessary to avert a social and economic crisis. We cannot afford the damage to our economy and the social fabric of our country that will result from mass evictions. Nor can we reasonably expect small property owners to bear the brunt of the cost of housing persons until the crisis is abated”, according to Adam Abram, independent housing provider and Board Chair of the North Carolina Housing Finance Agency.

John Sebree, CEO of the Missouri Realtors, shares what steps the property management and real estate industry say should be done immediately to prevent a rush on evictions and preserve current rental housing inventory levels without further losses attributed to foreclosures or liquidating inventory because of nonpayment.

Federal – As steps are taken to address COVID-19 relief and government funding, we urge Congress to include the following in the next package (find attached the detailed GUIDELINES for Federal Emergency Eviction Prevention Assistance)

  • Provide Financial Assistance to Renters in Need, specifically tying it to any Eviction Moratoriums
  • Utilize Alternatives to Eviction Moratoriums that Provide Emergency Rental Assistance to Residents, Property Owners and Managers Alike in order to Prevent the Eviction
  • Expand the Small Business Administration’s (SBA) Paycheck Protection Program (PPP) to Include All Multifamily Businesses
  • Provide Full-Year Funding for Fiscal Year 2021 for the Department of Housing and Urban Development and the Department of Agriculture’s Rental Assistance Programs

State – State Level Requests

  • Maximize any Financial Assistance programs for Renters in Need by Working Directly w/Housing Providers to Determine Program Guidelines & a Specific Strategy to Get the Word Out to Those in Need
  • Utilize Alternatives to Eviction Moratoriums that Provide Emergency Assistance to Residents, Property Owners and Managers Alike
  • Provide Full-Year Funding for Fiscal Year 2021 for any state government housing programs: through the Missouri Department of Mental Health, Missouri Housing Development Commission, HUD, etc.

Congress has already allocated substantial funds to assist people unemployed because of Covid-19. That relief, along with other federal and state actions, helped the US avoid an even deeper economic downturn. We applaud the bold action Congress took at the onset of this crisis and believe Congress should be proud of its important work to help families and small businesses impacted by the Pandemic. However, the funds allocated for rental support are now exhausted. The end is in sight, but there is a real danger that the expenditures already made will be wasted if we do not continue to protect vulnerable workers and property owners. Only Congress can provide the necessary financial bridge to protect families and small businesses
until this crisis is over.

Please act now to provide a bridge to that recovery for renters and housing providers in the form of expanded unemployment benefits and direct payments of rental assistance – including funding tied directly to any eviction moratoriums. See the link to our petition at: https://www.change.org/FundRentalAssistance

Stacey Johnson-Cosby
National Housing Provider Coalition
816-591-5921/cell+text, StaceyKCAgent@gmail.com

1 “Analysis of Current and Expected Rental Shortfall and Potential Evictions in the U.S. Stout Report, September 25, 2020. Prepared for the National Council of State Housing Agencies.
2 HUD Press Release No. 20-071 HUD Public Affairs, “HUD and CENSUS BUREAU RELEASE FINDING OF RENTAL HOUSING FINANCE SURVEY
3 Choi, J.H and Goodman, Laurie. Urban Wire, The blog of the Urban Institute, November 10, 2020
4 Leifheit, Kathryn M. Ph.D. MSPH and Benifer, Emily A., JD LLM “Eviction, Housing Instability, and COVID-19 Cases & Deaths” Summary presentation of a work in progress.

Why Stop at Cancel Rent? Cancel Everything.

Ever since the eviction moratorium was mandated there has been an outcry to cancel rent.

Housing Providers offer an essential service, which is providing housing, however, only Housing Providers have been asked to stop collecting rent. All the other essential services continue to work and get compensated for their services.

Why is that?

Why should we stop at canceling rent and just cancel everything?

Just one question. If we cancel everything, then who will still want to work for free?

Sounds crazy right? That’s actually what Housing Providers are actually doing. Working for free. Please keep in mind, Housing Providers are Human too.

Our Guest Blogger wants to help his fellow Housing providers in the best way he can. He is dedicating himself to be an advocate for housing providers and will use the power of social media along with his Radio Show to spread the word, but he need help from all the other housing providers across the country.

We might not have the major media outlets behind us, but we have the power to be heard through YouTube, Facebook, Twitter, Instagram and the like. Alone, we will not be heard by many, but if we work together we will be able to reach thousands more and then someone will have to take notice.

All the content provided comes from Nick’s own personal perspective. Viewers should use their own discretion of how to conduct their own personal Real Estate business and all information provided is based on opinion. Housing Providers from al 50 States are welcome to send their videos Not limited to only NYC Housing Providers.

Please email your videos to: realestateplateradio@gmail.com

When Big Brother is Your Landlord

Cabrini–Green Homes

“If you think living in your parents’ house is hard—wait until you live in government housing!”

If the #CancelRent & #RentStrike efforts are successful, then what? The protests & disruptions look exciting and definitely generate media attention when there are 24 hours of air to fill. But, it’s dangerous. The cancel rent and rent strike movement could mean the collapse of privately owned rental properties around the country. Privately owned rental properties pay an enormous amount of property taxes which support essential services in communities throughout the county. Owners drive local economies by providing work for contractors and other service providers and by purchasing supplies from vendors. If the ultimate goal is to run all landlords out of business, what will housing look like for you once the private housing provider is gone?

What are you fighting for? What result are you looking for when you win?

We don’t believe that more public housing is the answer. Throughout the country, we see many public housing failures. For example, recently in South Bend, Indiana, the government-backed housing project has had to recently shut down because of neglect and dangerous living conditions. Really? As a result, 100 people are displaced during the pandemic. Most are elderly and some have lived there for 30 years. What about the 250 being forced to move in Gary, Indiana from 2 public housing units that are being torn down because according to an official, “the eyesore buildings have been targeted for demolition and are considered unsafe.” This, in a city where there is also a shortage of housing units for people to be relocated to. In another example, residents in New York City’s public housing, the nation’s largest public housing authority, are living in unsafe conditions that have resulted in lawsuits and public revelations of lead paint hazards. Many progressives through their Housing Guarantee want more of this same government, or free “social housing”, as they call it. Who holds the government responsible for forcing those without a choice to live in undignified, unsafe housing? No one. If a landlord breaks a rule, they can be put out of business.

In reality, we need more affordable housing in the marketplace so that there are options when one housing provider fails. With the government being the primary and only landlord, there will be no other options. This is the future if the socialists have their way with their Homes Guarantee. Government run projects have never worked in many American cities, and there are no compelling reasons to think they will this time around given the budget limitations most cities are facing due to COVID. We need to encourage more small-medium size entrepreneurs to continue investing privately in housing. We know that they are more likely to work with renters who may run into personal and financial challenges. Many times, they can identify personally with their renters and manage their properties with a heart. And we know from the examples across the country that the government is failing many of their tenants. Plus, private property owners are forced to abide by laws and ordinances to maintain properties to a certain standard or face the consequences. Government makes the rules and clearly there are no consequences when they are the ones providing the unsafe housing.

The progressive organizations and socialists want to disincentivize real estate ownership by private, non- government entities when most people enter the middle class and start building family and generational wealth through homeownership. There’s a choice. When people look at their future and financially providing for their children and families, they know that government housing is a temporary stopping place. It’s not a long-term plan for climbing out of poverty or entering into financial independence.

So, if you want to #CancelRent and live under the thumb of the faceless government bureaucracy, know what you are asking for. Ask yourself if you are okay with the strict rules that comes with “free” housing. Imagine that you, as a “comrade” on the front line of this fight are faced with a choice of renting from a private housing provider, a citizen just like you, or the government. Know that there is always a price for free government housing, Here’s a short list of what to expect with it:

  1. That no matter what you’ve been told, HUD requires that tenant and criminal histories be reviewed (HUD.gov: 24 CFR: 960.203). The “renters cannot be involved in criminal activity or past poor performance in meeting financial obligations, especially rent”.
  2. There are stringent government rules & regulations that you will be required to follow. Many are “one strike & you’re out” rules, and then the government will be required to evict you in order to remove you from the property in the best interest of the other renters.
  3. Their management style is “my way or the highway”, and similar to the military, there is no room for negotiation like there is with a private housing provider and fellow taxpayer. You’ll experience a certain loss of your freedom.
  4. You cannot get a break on your housing-related costs if you have an unexpected emergency expense – a job loss, a car repair or an illness, etc. like you can with a private housing provider who is typically understanding and lenient. If there is an amount due, and it is not paid on the due date, you will be gone. The government doesn’t play around, as you know from dealing with their agencies like the IRS.

So, while it may be exciting to think you are fighting for something, you must realize what it is that you think you are winning. Having the government for a landlord is not all that it’s cracked up to be. Ask the tenants in the buildings that are being forcibly displaced – by their government landlord. And remember, nothing is free.

The Landlord’s Side – A Landlord Widow’s Story – A Schenectady Landlord

Please Share This Video

Landlords Need to Be To Heard – Landlords Send Your Stories

This is a Schenectady Landlord Story – A Landlord Widow Who Is Struggling To Survive Under The Eviction Moratorium. Her rent is her only income after buying 14 rental properties since 2010. She has so many tenants not paying rent that she can’t pay some mortgages and can’t afford to fix up the 4 vacant units that need repairs before she can rent them again. Some renters are not responding.

Watch The Whole Video The Eviction Moratorium Has Devastated Small Landlords Landlords from al 50 States are welcome to send their videos

Not limited to only NYC Landlords Landlords Email your videos to: realestateplateradio@gmail.com

The Landlord’s Side – A Brooklyn Landlord Story

The Landlord’s Side – Brooklyn Landlord

Please Share This Video

Landlords Need to Be To Heard – Landlords Send Your Stories

This a Brooklyn Landlord Story – Clarence – Watch The Whole Video. He started eviction proceedings way before COVID started. These evictions have been extended and extended and extended. He has depleted all of his savings and he has no money to pay for heat, hot water, insurance, or maintenance since he has not been paid in almost 2 years in excess of $40,000.

The Eviction Moratorium Has Devastated Small Landlords Landlords from al 50 States are welcome to send their videos Not limited to only NYC Landlords Landlords Email your videos to: realestateplateradio@gmail.com

Who We Choose On Tuesday Will Change Affordable Housing Forever

Who We Choose On Tuesday Will Change Affordable Housing Forever

It’s imperative that we vote. As housing providers and advocates for affordable housing, we want to make sure people not only vote, but elect candidates that bring a commonsense approach to housing during this time and that can limit the negative impact and industry damaging eviction moratoriums. We encourage voters to research the candidates positions on housing issues such as rental assistance, mortgage relief and responsibly ending the eviction moratoriums – and voting for candidates who will keep rental housing sustainable and affordable. Voters can use sites such as Ballotpedia.org to start their research.

The responsibility to do everything possible to preserve our existing rental housing stock extends to those of us in the housing community as well as policymakers. Renters and housing providers are not, and should not, be adversaries. Instead both are two sides of a single coin. Each is dependent on the other to succeed. If renters fail, so does housing. Likewise, for rental housing to remain viable for renters, those who have invested in our communities must succeed. True housing advocates realize this. We just need our policymakers to join us.


The National Housing Provider Coalition (NHPC) is an alliance advocating forfunding rental housing assistance which eliminates the need for moratoriums, evictions and prevents housing failure.  The housing coalition represents thousands of units in states including Massachusetts, Florida, Wisconsin, Kansas, Washington, Illinois, Missouri and Puerto Rico.

Our policymakers must immediately take the proper steps to prevent 2021 from becoming the worse housing crash in America’s history.   

Contact: Stacey Johnson-Cosby
816-591-5921/cell+text
KCRegionalHousingAlliance@gmail.com
National Housing Provider Coalition

Be an Educated Voter Tomorrow

Now more than ever it is very important for you to go vote.

And rather than you showing up to the polls and having no idea who is running or what the issues are until you walk into the voting booth, we wanted to offer some online tools to look up your ballot today so you can do a bit of research and be an informed voter.

The top three sites to look up your ballot according to Google

Ballotpedia.org

Vote411.org

Vote.org

National Association of Residential Property Managers Intervents in KC Tenants v. Byrn, et al.

On October 29th, the National Association of Residential Property Managers have also intervened in the case as well.

Read More: https://www.narpm.org/docs/legislative/press-releases/NARPM-Press-Release-NARPM-Takes-Legal-Action-to-Oppose-CDC-Eviction-Order.pdf