pandemic began, but there are actions residents and lawmakers can take to minimize the pain justin agrelo city bureau

Four Ways to Stem the Housing Crisis

Renters are still struggling almost a year after the pandemic began, but there are actions residents and lawmakers can take to minimize the pain.

BY JUSTIN AGRELO, CITY BUREAU

Te Housing Clif is a special series about the COVID-19 housing crisis produced by City Bureau, a civic journalism lab based in Chicago.

Long before COVID-19, eviction has been a problem in Chicago. Over the past decade, one in twenty-seven renter households in Chicago has faced eviction each year, according to data from the Lawyers’ Committee for Better Housing (LCBH), an organization that ofers free legal services to Chicago residents facing eviction. Before the pandemic, the city saw more than 22,000 eviction cases a year, disproportionately impacting Black and brown communities.

Te pandemic has only worsened this crisis, forcing Chicago to the brink of a housing disaster. According to research from Loyola University and LCBH, Chicago could see as many as 21,000 eviction flings in a single month once the eviction moratoriums are lifted. Despite the moratoriums, 5,472 evictions were fled in Chicago last year. Tese fgures don’t account for the likely hundreds of people and families who have been forced from their homes in the shadows of the law.

Meanwhile, renters have relied mostly on limited federal funding and an eviction ban that has only weakened over time and that could incite a surge of eviction cases as soon as it expires. But it’s not too late to act. Here are four solutions ofered by housing experts and advocates to keep people in their homes and prevent a housing crisis.

Rent freeze

For years, housing activists have fought to repeal Illinois’s rent control ban, a law that prohibits the government from putting any restrictions on the way property owners set rent. When the pandemic began, the Lift the Ban coalition shifted tactics; they called on Governor J.B. Pritzker to use his emergency powers to lift the rent control ban and freeze rent for struggling tenants—a move that could help keep the roughly one million Illinois residents who are currently vulnerable to eviction in their homes.

Tough Pritzker campaigned on lifting the ban and supported a legislative repeal, he dismissed the activists’ demands, claiming that his executive powers did not extend that far.

But in a legal memo published in April 2020 in response to questions from Lift the Ban coalition members, lawyers at the frm Despres, Schwartz and Geoghegan, Ltd., argue that there are “a variety of ways” the governor can provide rent relief that do not require the state legislature. According to the lawyers, the Illinois Emergency Management Agency Act allows Pritzker to either suspend rent himself or empower municipalities to do so on their own.

“Te powers the governor has in an emergency like this are pretty broad,” said Will Bloom, a lawyer with the frm. “A solution could be crafted that gives tenants the protection they need without putting the burden on small homeowners who also need help.”

Emboldened by the legal analysis, the Lift the Ban coalition has regularly protested outside of Pritzker’s Gold Coast mansion, demanding he cancel rent. Last summer, the coalition set up its “Pritzkerville” encampment, which depicts the scene of an eviction, outside of eviction court.

“Everything has gotten ten times worse in this last year,” said Brian Bennett, a community organizer with the coalition. “If you owe back rent because you lost your job due to COVID, the city can’t pass any laws that address that. Tey can dole [out] a little federal funding, but we’re talking about billions of dollars.”

But political will for canceling rent is low. “Landlord associations are big donors,” Bloom said. “Te Democratic party takes a lot of money from landlords. Tey don’t want to do something that’s going to anger the people whose donations they rely on.”

To change that political landscape, Bennett encourages Chicago residents to get more involved at a local level.

“We have representatives right here in Chicago representing these heavily renter, heavily evicted districts who are killing this legislation [to lift the ban],” Bennett said. “Sending emails or calling is not going to get the job done. People need to be joining coalitions together in order to show that there is a wide and deep constituency of renters.”

More money for struggling residents

Without a rent freeze, getting money into people’s hands is critical to keeping them housed once the eviction bans expire. Even before the pandemic, missed rent was a major precursor to eviction, with 82% of eviction cases in Chicago fled over non-payment of rent, often for less than $2,500, according to data from LCBH. Since the start of the pandemic, city and state governments have relied on emergency rent and mortgage assistance programs to keep people in stable housing.

Last year, the Chicago Department of Housing (DOH) distributed more than $22 million in rental and mortgage aid, according to Daniel Hertz, the department’s policy director. Still, the DOH was only able to serve 10,421 households despite getting 96,300 requests in two rounds of applications (Hertz notes that some households may have applied in both rounds).

Illinois is preparing for another round of emergency aid after Congress allocated over $834 million to the state for rental assistance, according to the U.S. Department of the Treasury. It’s not clear how much of that will come to Chicago, but Hertz expects it to be “signifcantly” more than what the city received last year. Whatever the number, Hertz said that last year’s rush to get money to hardhit residents has made the city more prepared this time around.

Mortgage forbearance for landlords

Millions of U.S. landlords are eligible for COVID-19 mortgage forbearance programs, which allow them to suspend or reduce mortgage payments temporarily, either through the federal government or private lenders. Tenants struggling to pay rent could suggest the programs to their landlords; mortgage forbearance could lessen the burden on landlords to collect rent, and some programs include specifc protections for renters. Deadlines for these programs are coming up in February and March, so property owners should contact their mortgage servicer soon—they can fnd out who services their mortgage at http://bit.ly/cbmortgage or http://bit.ly/ cbmortgage2.

Landlords with governmentbacked loans (FHA, VA, USDA, Fannie Mae or Freddie Mac) can defer their