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Honored Social Butterfly

AFFORDABLE HOUSING COMING TO YOUR NEIGHBORHOOD SOON

Just wonder what Biden and Democrats would think of this company.  Seems to play right into Biden's Housing Plan.

 

This company is now in metro Atlanta and I believe in Houston and Prairie View, TX and I think some places in Maryland.  So get ready !!!  Here come "affordability"

 

The name of it is PadSplit. (About PadSplit)

Simply, it works like this:

They buy homes in regular single family neighborhoods.*

* The previous owner becomes a partner in the dwelling, reaping some of the rental income under an LLC type arrangement.

The home is then turned into several rooms with common areas - each of the rooms are then rented out.  A glorified rooming house.

So depending upon the size of the home and how it can be split up - it can hold a good many UNRELATED people.

 

Here is an article on them and the originator -

Curbed 03/30/2018 - This cohousing startup wants to help the working class 

 

Atticus LeBlanc, an Atlanta affordable housing developer, gets a fair amount of questions about PadSplit, his new housing concept that converts single-family homes into affordable shared living spaces.

 

LeBlanc believes the country has a serious affordable housing problem, and innovative solutions are needed. He believes the answer lies in well-run rooming houses, which give working Americans access to jobs and a safe, respectable place to stay at night.

 

PadSplit takes existing single-family homes and converts them into a series of rentable single rooms with shared common space and bathroom.

 

But with locations near transit lines and rooms running for $435 to $650 a month—that includes cable, Wi-Fi, utilities, and laundry—PadSplits can help fill the gap in workforce housing, a commodity sorely lacking in many cities.

 

“I’ve seen a lot of coliving startups targeting millennial professionals in creative hotbed-type cities,” says LeBlanc. “But I’ve always felt that those with the greatest need were working Americans. We provide student housing for students and senior housing for seniors, and both are shared living environments. But there’s nothing similar for the demographics in between.”

 

LeBlanc, who has spent a decade working in Atlanta, believes there’s still space in American cities for rooming houses

 

“One of the reasons that so many of these rooming houses failed was because they were terrible,” he says. “I wanted to figure out how you could make them safe, affordable and accountable.”

 

His initial vision for PadSplit was to create a product that targeted renters making roughly $25,000 a year, so those on minimum wage or low fixed income had more access to housing. He felt there was a way to take homes, especially those with multiple bedrooms, into profitable investments and affordable housing, without using subsidies. Single-family homes were out of reach for many residents, especially in lower-income areas. Was there a way to take these unused assets and create a shared living space, which gave property owners more income?

 

When pressed to explain how the PadSplit model conforms to Atlanta housing codes and regulations, LeBlanc said that there’s a loophole that allows this type of conversion and occupation. There’s a way to still qualify if tenants pays fees, instead of rent, to a master tenant entity, set up like an limited-liability company. But he said PadSplit is “operating legally, and we have existing zoning case law to back us up.”

 

Don't ask me how this actually works with single family zoning restrictions -

https://saportareport.com/atlanta-start-up-padsplit-affordable-housing/ 

Although Atlanta doesn’t allow rooming houses in single-family-home neighborhoods, PadSplits are designed so that the tenants meet the city’s complicated definition of a “single family,” up to six unrelated people, plus another four, as long as the latter occupy no more than two rooms.

 

more at the links ~    Sound good ?  On the news last night - some people - both renters and the rest of the neighborhood - are upset.

 

WSB-TV 10/12/2020 - Tenants report dangerous living conditions from affordable housing startup now f... 

(video available at the above link)

from the link ~

An Atlanta-based housing startup is facing major backlash and legal trouble. It is accused of operating illegal rooming houses across metro Atlanta and providing unsafe living conditions for lower-income tenants.

 

As part of a seven-month investigation, Channel 2 investigative reporter Nicole Carr and a producer interviewed dozens of former tenants and neighbors who reported dangerous living conditions to police and code enforcement. Many said there is no accountability for who comes and goes week to week.

 

The company called PadSplit is adamant that it is an affordable housing solution. It has continued expanding during the pandemic, claiming to be an answer to the affordable housing crisis. But PadSplit is facing questions in court.

 

read this whole report -

 

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Honored Social Butterfly

This is what Trump is saying to suburban women in yesterday rally
https://www.cnn.com/2020/10/19/politics/donald-trump-joe-biden-election-2020-coronavirus-fauci-masks...

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So Gail he is now scaring people in Nevada and telling them that Biden will destroy their neighborhoods just like you have been telling us. Hoping that you realize the propaganda that all of this seems to be and get more  skeptical  about your own views.

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Honored Social Butterfly

It appears the term "Affordable Housing" is a dog whistle which translates to homeless, drug addicted, people of color. How sad for them. 

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@Richva wrote:

It appears the term "Affordable Housing" is a dog whistle which translates to homeless, drug addicted, people of color. How sad for them. 


No it isn't - it actually has little to do with the homeless, drug addicted, people of color - it is a financial term pure and simple -

Keeping housing costs below 30 percent of income is intended to ensure that households have enough money to pay for other nondiscretionary costs;

 

Investopedia goes into a bit more detail - they call it the 28/36 Rule Definition

What is the 28/36 rule?

The term 28/36 rule refers to a common-sense rule used to calculate the amount of debt an individual or household should assume. According to this rule, a household should spend a maximum of 28% of its gross monthly income on total housing expenses and no more than 36% on total debt service, including housing and other debt such as car loans and credit cards. Lenders often use this rule to assess whether to extend credit to borrowers.

 

Problem is that people can't just solve this by moving further out because what they might save in housing cost could end up costing them more in transportation cost.

 

We need more affordable housing close to where people work - we could build more houses but that does not assure that they would be affordable because of other cost - land cost, building cost, fees and other financial requirements like property taxes.

 

OR maybe we need to move the jobs to the affordable housing places.

OR maybe people need to make more money to afford the houses that are available at the 28/36 rule.  That doesn't seem possible either in many places especially those places with HIGH cost of living.

 

Every place that is a source of income for people needs to have an assortment of housing or at least as much as can be supplied.  But that is not possible everywhere - because of what I said earlier  - the cost - land cost, building cost, fees and taxes, ordinance cost, etc.

 

Sure, maybe we can build high rise units but I don't think that is what people with families are really looking for - at least for the most part. 

 

All I know is that this company's experiment doesn't seem to be going over too well here - not with the neighbors and not with the room renters either. 

 

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Honored Social Butterfly

I can see that you are simply stuck of a feeling that is the result of  the propaganda that the Conservatives have managed to instill with very positive results in the American mind for many.
The right has been quite successful in making you feel quite insecure about the Democrats executing ideas that do not conform with your way or life or with the majority way of life. and that is the fear of having "Socialism" in the US.That zoning that you are so afraid of is what you think that Democrats will bring to your neighborhood. and that is where your fear takes over your reasoning.
Having unrelated people buying homes is something that happens all the time. So why are you so afraid of acknowledging that?
Renting to unrelated family member has always happened. so why are you afraid of that.? What you are afraid of   is any of this happening in your neighborhood. and is the zoning change that you are so afraid of.
What you are not convinced is that those things happen when there are no special interest that are hurt by these actions.. And in this case.special interests (aka Developers, and Realtors) will bed seriously impacted by the change in zones that you are speaking about. You really think that those "special interest" will be so nice as to diminish their present profits and future profits.?
If you really believe that, In that case, I have nothing more to say to you.

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Honored Social Butterfly

Some interesting links for you -

Washington Post 06/27/2019 - As cities rethink single-family zoning, traditional ideas of the Americ... 

 

(tried to post pic here but could not get it to work - reference article to see pic)

 

When Nicole Valentine and her husband left Washington for Minneapolis in 1997, they said they were thrilled about their adopted city. The couple were able to buy a single-family house in a nice neighborhood within the city limits, and sent all three of their children to Minneapolis public schools.

 

“The American Dream has always been to own a home and raise your kids in a house with a yard,” said Valentine, a stay-at-home mom who lives in the Linden Hills neighborhood. Now, she said, she worries the character of her neighborhood will be ruined in a few years.

 

In a dramatic move aimed at addressing the city’s lack of affordable housing, the Minneapolis City Council in December approved a plan, which, among other things, effectively eliminates single-family zoning. Under the plan, called Minneapolis 2040, duplexes or triplexes are now welcomed on lots previously allowing just one home, with no requirement to add additional parking.

 

Valentine and many of her neighbors say it’s too much, too fast.

“When I moved here, I loved that the city was so strict about setbacks and parking and saying no to developers,” she said. “Now, it seems that whatever developers want, the city finds a way for them to do it.”

 

. . . . Opponents envision bulldozers leveling owner-occupied single-family houses in favor of triplexes, forever altering neighborhood character.

read the rest of the story at the link above

 
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I loved your article. specially the ad that says that I can retire in spain for 2300 a month and live in a great place. It made me feel very sorry that I will not be able to go right now and live there, KNow the area is amazing.
Well, now for the article
They describe what I have always thought is affordable hausing. duplex and triplex in a community  designated to be a single family residences.
I don't know if you are familiar with HGTV and many of their programs produced in Canada regarding real Estate and how many Canadian live and buy homes.
Living in the big cities is practically unaffordable. so city limits neighborhoods have adopted what you are saying in that article.
Most European cities are already living in similar situations.In the US  because of our lack of transportation choices we simply drive to the city.
Because many work in the city and cannot afford to live there, is the main reason that Affordable housing exists I believe that in Atlanta for example that exclusivity will probably become a thing of the past and you may have to move further away from the city to have what you have today.
Remember when Poor people lived in the city? That has change now the rich live in the city and they have displaced the poor to the suburbs.That is a societal change. I don't think it will arrive for you or me.


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I am not stuck, @Roxanna35  - this is a discussion.  I really don't even see what this has to do with Conservatives or Liberals except that Biden has a Housing plan that want to stop exclusionary zoning to provide for more affordable housing.  I think there maybe kickback on this because I already see in many parts of Atlanta how residents who live in single family residential zoning communities protect their abode and their community - sometimes via legal action or sometimes with HOA type organizations.  These go out the window if the overall zoning classification goes away, as many cities have done or are contemplating.

 

Where I live, I am pretty much protected - I do not live in a zoning classification of single family home residential zoning - mine goes much further.  I live in a watershed protected area - there is NO homes or communities built unless there is a minimum of 3 acres per house that goes with it.  We are also on septic systems; not sewer and therefore the occupancy of each home is limited to the size of the system which correlates to the number of bathrooms/kitchen/laundry in a house.  Their is also NO commercial development allowed in the whole area of this zoning. New roads are private roads and are held to strict paving criteria.  There is a strict code as to how much impervious (paved or soil absorption) area can be done in and around the home and the community.

 

In this general area with this same zoning, there are many mobile homes, shacks and mansions.  Lots of horse farms and ranches.  People have some livestock - types are limited by the amount of land that you have to work with -

 

So, what I am trying to say about my situation on this subject is that I live in an area that isn't desirable for home affordability for the masses.  I picked this place just because of this.

 

Those special interest that you speak about will adjust just fine to having NO single family residential zoning.  They will just build and develop styles that will accomodate what the affordability rulers dictate.

 

So if a single family home residential community is split up into other types of housing - it will just be that way.  Multifamily housing comes in an array - duplexes, triplexes, quadriplexes.  Then there could be even some higher structures mixed right in to accommodate more affordability because it is always cheaper to build UP rather than OUT.  Move them in - move as many in as possible.

 

Notice that all of these type housing changes are still conducive to a "family" - with the many definitions which that encompasses (discussed previously)  Perhaps that will work but I still see these communities kicking back on this just because it is now what they bought into when they moved to this single family home residential zoning abode and what all it brings to their life.

 

My objection to the company that is the subject to this whole thread is that their concept gets away from that "family" type living - because they aren't renting to families - they are renting only single rooms - individual single rooms - there is no family there renting them the room either..

 

 

 

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Honored Social Butterfly

I understand Gail, believe me I am surrounded by that, I live almost at water front and we have many restrictions also. but again, have confidence in the fact that those special interests and many home owners will "kill|" anyone that tries to destroy anything that will approve what you are saying.
Remember the wall and who was going to pay for it? Why do you think that Biden has that much power?Don't you  have confidence in the Lobby System? Don't you already know the politicians. ? If the Democrats win the Senate and the Presidency, I pretty much guarantee you that not many changes in many things will happen.
Sorry, but I have a more cynical view of politics. that most.

 

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If big business is involved, someone will lose out. 

 

But women with school-aged children have been living like this for years.  To share a home (co-abode) in a better school district.   I have no problem with unrelated people living together.   

Honored Social Butterfly

Not in just (1) bedroom - with possibly several single people sharing common areas like kitchen and bath(s). 

If a single mother with children has money to rent (1) bedroom in a place like this, they should be able to find perhaps another single mother with children or two and develop a family unit and live that way in a rental home in a single family residential community - perhaps with a Section 8 voucher.

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@GailL1 wrote:

Just wonder what Biden and Democrats would think of this company.  Seems to play right into Biden's Housing Plan.

If it seems to fit into Biden's plan, what are you wondering about?

 

My opinion is a healthy society is made up of persons who get a good night's sleep under a sound roof over their heads to send them on another productive day in their lives.

No matter where they live on the planet.  We have the issue of an unhealthy society that allows homelessness as the acceptable norm.  Then complain about it at the same time, as Gail's article does.

 

Those working to alleviate this major dysfunction are to be encouraged.  Helped to ensure we refuse to do nothing, too big a job, not my problem.  Boarding houses are an American institution for cripes sake.  Purposefully restricting them is a statement of how low we are now willing to go in keeping ourselves on the top of the heap.  The ugly evidence of that is everywhere.  

Honored Social Butterfly

My topic here is more about affordability but I guess affordability could keep some off the homeless roles. But this group (homeless) would still have to have a subsidy to live in this type of housing in a single family residential area because this company isn't giving away this private rental housing.

 

But, you are right, as soon as they can pay for the rental room and pass the criminal background check (the info says the company does require this) then I guess they could just move right in -

 

Now let's look at the community - these types of single family residential units are the bread and butter of the larger municipality because they pay property taxes - from those property taxes come schools, parks, libraries, roads, M&O.  For the most part, I would say that those living in a single family residential neighborhood, pay a good bit for these amenities and more and they do it because the larger community is trying to preserve and support this type of lifestyle.

 

If this concept grows, there would be more single people than families and the goals may change - one bedroom living isn't conducive to kids so maybe not as much need for schools or maybe parks or libraries.  Maybe a bigger need for public transportation.

So the whole concept of where property tax money is spent would be changed.

 

You see, @oceanedge2, I think people - all people - tend to congregate with like-individuals because they share likes, dislikes, wants and desires.   Has nothing to do with race - has more to do with likes, dislikes, wants and desires - maybe even dreams.

 

Case in point:

A white family living in a single family residential home has more in common with a Black/Hispanic/Asian family living in a sing family residential home than an unrelated group of men or women of whatever color or ethnicity renting a room in a single family residential neighborhood.  These likenesses are bound together by common goals and similarities as to where the money is spent for these things.

 

Affordability in housing is linked to land area, land cost, construction type, height and requirements put on builders for specific things- asthetics - it is cheaper to build up rather than out.

 

Without zoning and what comes with it, what would stop a company from buying a home in a single family residential neighborhood, tearing the house down and building a building with many bedrooms at a taller height than what is in the neighborhood under the  current zoning.

 

Zoning is a way for a community to plan - without it, it becomes very difficult to know who is going to be living there and what will be their needs - schools, parks, libraries, roads, public transportation, youth and senior activity buildings - to name a few.

 

 

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Gail I truly believe that you have gotten stuck on a view that is not very   probable due to the fact that you are not choosing to accept what I just said, The Realtors and the Developers would develop continuous strokes.Do you really think that they are going to cut their own throats? please, !!!!! think. you are a very intelligent woman

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They will have no choice -

IF zoning goes . . . . . what happens to their business of developing? 

They would have to change to survive.  You need to start some reading.

 

CURBED 01/30/2020 - Will upzoning neighborhoods make homes more affordable? 

 

. . . . We are .experiencing shortages of affordable housing. 

Recently, policymakers at the state and local levels across the country have zeroed in on a culprit: zoning that limits development to single-family detached houses in large swaths of America. From the east and west coasts to the Midwest, lawmakers are beating the drum for upzoning, which means changing single-family zoning codes to allow taller and denser housing, like duplexes, triplexes, accessory dwelling units (ADUs), and apartment buildings. In the last few years, upzoning legislation has been introduced or passed in California, Oregon, Washington, Seattle, Minneapolis, Nebraska, Virginia, and Maryland. The federal government has also expressed interest in pressing local governments to relax zoning laws th....

 

This is a very good link and explains it all pretty well.  Today, in many, maybe most, the problem is not as much about segregation / desegregation but more about affordability - that's the reason for honing in on zoning.

 

 

 

 

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What makes you so sure that this company will rent to homeless people even if they receive a subsidy? and why would a homeless love to live in a place that he could not function because of lack of transportation, and prices in general in those areas? Section 8 already exists, and I don't think that section 8 would approve to li ve in neighborhoods that do not serve the purpose of the people that will live there. You don't want to believe me when I tell you that Money makes the world go round, and do you know how many Realtors and Developers would fight that?

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@Roxanna35 wrote:

What makes you so sure that this company will rent to homeless people even if they receive a subsidy? and why would a homeless love to live in a place that he could not function because of lack of transportation, and prices in general in those areas? Section 8 already exists, and I don't think that section 8 would approve to li ve in neighborhoods that do not serve the purpose of the people that will live there. You don't want to believe me when I tell you that Money makes the world go round, and do you know how many Realtors and Developers would fight that?


Let me say this - Biden's Housing plan talks about "families" - but now this could also mean some singles but I don't know for sure.

 

According to Biden's plan - . . . . . as part of the Homeowner and Renter Bill of Rights, Biden will enact a law prohibiting landlords from discriminating against renters receiving federal housing benefits. 

This is the proposed legislation that Biden referenced above:

Tim Kaine's Housing Improvement Act of 2019:

Many veterans and low-income families pay their rent through vouchers, and as the law currently stands, landlords can discriminate against them, denying housing based on how they pay rent. 

So what this would do is NOT tell the landlord where the money is coming from but on the other hand, landlords do have the right to pull a credit report but Biden has that covered too.

 

TODAY - if you get a Section 8 voucher, it can go anywhere with you as long as the landlord takes it - yes, even in your community.

 

Realtors, Developers, State and County politicians and anybody else cannot fight the federal government with their demands especially if federal money is attached.  Meaning, the government saying, do it this way or No Money for You.

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Look you need to understand also something. If this which is already quite common everywhere, would be lawful or it would impact zoning then in that case, it could lower your property values because of the white trash that could move in your negighborhood.
goodlol.jpg

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Honored Social Butterfly

I guess property values could be part of the equation too, just like the other things these family property owners are concerned about - it might be on the minds of the single family residential home owners irregardless of their race or ethnicity but not so much by the room renters.  The company renting the rooms could just go up on rent or build more bedrooms.

 

Irregardless of the style of the single family residential, they would have some of the same concerns as I previously mentioned - from trailor parks to gated community mansions - they are all single, family residences.

 

 

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IMHO, the notion that we accomplish any permanent public good with "public housing" where the tenants receive a rent subsidy is a total fantasy. All we do is enrich the owner of the property, and there's too much of that going on already.

 

If, on the other hand, we go to MORTGAGE subsidy, we make a permanent  public good of increasing GENERATIONAL WEALTH - the absence of which is the major reason those born into poverty can never escape. The cost to the public will be the lower - rent usually includes enough to cover not only the mortgage but repairs, management fees, and at least 10% profit for the owner. A mortgage only includes the mortgage costs, which may include escrows for tax and insurance for the structure.

 

The management of the CONDO will be up to the resident/owners, and history has shown they will have a VERY dim view of allowing any criminal element to take up residence. It is Government's inability to perform this simple service that destroys the public housing we have today.

Honored Social Butterfly

I see @Olderscout66, you did not read the initial post.

This has nothing to do with a government subsidy, mortgage or public housing.

It has to do with one company and their manner of trying to achieve what they call "affordable" housing within single family residential zoned communities.

 

Put this concept next to a row of motels and it would fit right in -

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Then in that case this so called company is nothing but a bunch of very dishonest business people that are trying to rip off some of their monies.
Some one should report this activity I am sure that has a lot of loop holes and perhaps they are not even legal.

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Would please explain what is it that you have against affordable housing? 

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I have nothing against affordable housing, @Roxanna35 - my objections has to do with the way this company is going about it.  I assume that you did not read my post.

 

Let's say, you live in a neighborhood that is zoned single family residential.  You probably have several type of family make-ups in the mix.  You may even have a few family renters in the neighborhood.   You may have a family home in the neighborhood that has a renter who lives with them to help to share in the expenses.  So there are probably a lot of different types of family make-ups in your neighborhood.

 

This company's business plan is much different because it opens up a home in this type of single family residential living to a group of unrelated people who only rent rooms and the actual owner of the home is not present in the home.  A rooming house within this single family residential neighborhood.  Where each occupants pays for the room they rent and the common areas which are shared between any and all of them.

 

Now this company comes in, buys a house in the neighborhood.  The deal with the previous homeowner is that they give them a reduced selling price for the house but they are added to an LLC - the previous homeowner and the new (company) owner - which in turn will rent out the house.  The previous homeowner and the new (company) owner will share in the profits from the rental.

 

However, this is not a normal single family renter agreement because the (company) owner will reconstruct the home with common areas like the kitchen and possibly bath(s) and then the rest of the house will be single rental rooms to different individuals - not related individuals - in fact, they may not even know each other.

 

This type of rental is not conducive to people who have children or perhaps not even couples because they are renting single (bedrooms) rooms - the rest of the house is a common area.  Also the previous homeowner no longer lives in the house.

 

I just think that areas that are designated as single family residential need to stay as such regardless of whether the family is a buyer or a renter. 

 

The principal purpose of the R-1 (single-family residential) zoning district is to conserve and protect single-family residential development. Principal uses permitted in this zoning district may include single-family dwellings, churches, schools, parks and community facilities.

 

 

 

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Gail  I now live in a residential area of single family homes. and because is very near NAS  we have lots of military renters in our area. I know for a fact that sometimes the owners of these single homes that are also military transferred people rent to others and they rant to more than one family  And as far as I have seen there has never been a problem with that. or with any of the people in those homes.
Now my question is  could a HOA is able to avoid what you are saying? What these people are doing is not what I understood about affordable housing. I thought of having appts in the middle of a single family residence.
But isn't it also the right of an owner to rent to whomever they please? What am I missing in your post? They have never any changes in the zoning in our area and I don't think that that would change anything at all?

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Of course an owner can rent out their home unless there is some reason why they can't.    But if the zoning is single family residential, the rental has to comply.  IOW, they could rent to a group of people living together as a family unit.  That is NOT the case here - these are individuals that are renting individual rooms to different individuals-

they are not living as a family unit.  In this situation, there is a difference in the owner is getting rent from the whole unit (house) not from separate individuals within the home.

 

HOA's cannot protect a community if the zoning laws are changed especially if federal funds are tied to forcing compliance.  Say, your HOA, has a limit on the number of units or homes in the community that can be rented - that is not uncommon especially in townhomes or condo communities; so by removing the single family residential zoning, that rule could not be enforceable and the HOA would have to comply or begin a legal battle.

 

 

 

 

 

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Perhaps in Ga is like that but not in Fl or Ca.  in both places no one cares unless there is a problem who rents a home whether is one person or ten. I don't know if that doesn't happen in Ga and you have never noticed? Zoning doesn't change because of who lives in your home

 

 

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Sounds like ANOTHER SCAM developed by Trump's corrupt real estate business.

 

As such, another reason to vote for Biden to dump Trump before he destroys our neighborhoods!!!

 

 

DUMP TRUMP AND DITCH MITCH TO MAKE AMERICA GREAT AGAIN!!!
Honored Social Butterfly

Sounds very much like Biden's Housing Plan to get rid of zoning to accomplish the "affordability" aspect.

 

If you read the developers plan - it touts the affordability aspect. 

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