Affordable Housing and Homelessness "The lack of safe, affordable housing requires a renewed commitment to increase the supply of quality housing and to preserve, maintain, and improve existing housing through public/private partnerships, especially with religious groups and community organizations." So if the solution to homelessness is so simple, why haven't we ended homelessness yet? Affordable housing development coupled with rising rents in the private market has not kept pace with the need. Poverty, unemployment, and lack of affordable housing are commonly recognized causes of homelessness. T he U.S. Conference of Mayors' 33rd annual assessment of hunger and homelessness finds that the lack of affordable housing is reported as the chief cause of homelessness for both families with children and unaccompanied individuals. One of the most important systemic causes of homelessness across the country, particularly here in Dane County, is a lack of affordable housing. Of the many factors driving homelessness across L.A., the lack of affordable housing is the clear leading cause. Citing historical data and research-backed policies, Adler writes, "Homelessness is mainly a housing problem, and it can only be reduced through . California ranks WORST in the nation in renter overcrowding. Affordable Housing and Homelessness "The lack of safe, affordable housing requires a renewed commitment to increase the supply of quality housing and to preserve, maintain, and improve existing housing through public/private partnerships, especially with religious groups and community organizations." Homelessness has been increasing in Santa Barbara for decades, fueled by the high cost of living, restrictive building regulations, and community opposition to affordable housing development. Two of the most important currently facing Reno are homelessness and affordable housing. The main cause of homelessness is a lack of affordable housing. The organization Changing Homelessness says that the lack of available affordable housing is a major reason for homelessness in northeast Florida. 1 in 4 extremely low income families who need assistance receive it. 9 Homelessness is defined as "lacking a regular nighttime residence or having a primary nighttime residence that is a temporary shelter or other place not designed for sleeping." 24 About 565,000 people were homeless in the U.S. in 2015. These challenges are especially acute for Black, Latinx, and undocumented Californians. Until we end the affordable housing crisis for America's poorest households, even These investments mark a turn for Pierce County's handling of the homelessness and affordable housing crisis. While the U.S. government defines affordable housing costs as 30 percent of an individual or family's annual income, 37.8 million American households consistently pay well above 30 percent.A lack of affordable housing can magnify existing disparities in educational opportunities, job prospects, access to medical services, food . Homelessness has grown dramatically since the 1970's due primarily to the steady decrease in public benefits for people living in poverty including welfare payments and public housing. The Bitterroot Affordable Housing Coalition recently released a report that says the main cause of homelessness in Ravalli County stems from the lack of affordable, available housing. Homeless people are vulnerable, as they are exposed to harsh elements and violence found on the streets. Insufficient income and lack of affordable housing are the leading causes of homelessness: o In 2012, 10.3 million renters (approximately one in four) had "extremely low incomes" (ELI) as classified by HUD.35 In that same year, there were only 5.8 million rental units affordable to the more than 10 million people identified as ELI.36 70% of all extremely low income families pay more than half their income on rent. Lack of affordable housing is a primary cause of homelessness in families; often one or both parents are working, but not making a livable wage. Homeless children are our most vulnerable community members and are at higher risk of illness and delayed development. Share. Homelessness is housing deprivation in its most severe form. JACKSONVILLE, Fla. — As rent prices rise across . "The cause of homelessness is a lack of affordable housing and the solution to homelessness is the provision of affordable housing." The Partnership's programming is geared toward preventing eviction — the most cost-effective way to solve homelessness, according to Duggan. This deficit of affordable housing has led to high rent burdens, overcrowding, and substandard housing, which has not only forced many people to become homeless but has also put a growing number of people at risk of becoming homeless. The number one cause? But Downtown Seattle Association President and CEO Jon Scholes, while touting unprecedented growth, has some words of warning: Two decades of steady progress could quickly unravel unless the region successfully tackles some persistent issues, notably the lack of inner-city affordable housing and mounting homelessness. The man behind the wave, New Bern's homeless population changed by severe lack of housing. 6--exacerbate the housing crisis and follow from changes Over 30,000 people experience homelessness in King County each year. April 16, 2019 Lack of affordable housing is key in homelessness issue, ASU experts say. It is one of the most important points under consideration for a government's housing policy. substance abuse disorders and lack of available low-income housing. The Budget Center analyzes housing affordability and highlights policy solutions to expand . Increased Demand in Emergency Services as Economic Recovery Lags. THE CAUSE OF HOMELESSNESS Homelessness and housing poverty is a crisis in many communities - one that demands urgent action at the federal, state and local level. In 2018, after 41 homeless individuals died in Santa Barbara for the second year in a row, the county declared a crisis in both homelessness and housing. Addressing Canada's Lack of Affordable Housing. Overall homelessness in the cities surveyed has increased. More people experiencing homelessness are moving back inside than ever before, but it's still not enough to keep up with the rising pace of people falling into homelessness. The Budget Center analyzes housing affordability and highlights policy solutions to expand . . In large part, the answer lies in a lack of affordable housing. In a report by homeless charity, Crisis, based on 984 surveys and 89 interviews, it was revealed that since the introduction of the Homelessness Reduction . The Lack of Affordable Housing Is Getting Worse It is not just that housing costs are too high, but that incomes are too low, says a Tufts urban planning professor "The COVID-19 outbreak and stay-at-home orders shine a spotlight on the fundamental importance of housing," said Shomon Shamsuddin. Lack of affordable housing is forcing councils to leave people homeless 10.03.2020 Homelessness charity calls for more affordable housing as councils struggle to find homes for over a third of people despite change in legislation offering help to more people There is an obvious shortage of housing options for Traverse City and the surrounding area. 6.8 million more affordable housing units are needed for extremely low income families. yeah, when you talk about homelessness, we hear about in eth news a lot of people say there's a lack of affordable housing out there. In many ways, it is. Other factors insti-gating homelessness-unemployment, decreasing federal assistance, discrimination, and deinstitutionalization of mentally ill patients. 'At . Rockville, Md. According to HUD, in recent years the shortages of affordable housing are most severe for units affordable to renters with extremely low incomes. remedy the affordable housing shortage, in turn, led to a homeless-ness crisis evocative of the Great Depression. 1.6 MILLION renter households spend more than half their income on housing. The next time you witness a neighbor living on the street, consider the fact that lack of affordable housing is the most likely reason they have nowhere else to go. People who are poor are frequently unable to pay for necessities such as housing, food, childcare, health care, and education. 580,000+ people are experiencing homelessness on any given night. • lack of affordable housing, • the foster care system • physical and mental health issues, • substance-use issues and many more. One common flaw throughout Maine is the lack of affordable housing. These risk factors can be exacerbated by personal vulnerabilities such as mental and substance use disorders, trauma and violence, domestic violence, justice-system involvement, sudden serious illness, divorce, death of a partner, and disabilities. Record-breaking numbers of families . 9 Homelessness is defined as "lacking a regular nighttime residence or having a primary nighttime residence that is a temporary shelter or other place not designed for sleeping." 24 About 565,000 people were homeless in the U.S. in 2015. "The growing number of Ohioans accessing homelessness services is connected to a lack of affordable and accessible housing," said Shawn Smith, OHFA's Interim Executive Director. Reflected in that is an even higher rate of a lack of affordable and low income housing units. Additionally, events such as illness, unemployment, accidents and violence limit the ability to secure stable housing and affordable housing. The federal debt in Canada is . Here at the Alliance, we believe that homelessness has a solution: housing. These challenges are especially acute for Black, Latinx, and undocumented Californians. Findings around homelessness over the past year include: Overall homelessness in the cities surveyed has increased. T he U.S. Conference of Mayors' 33rd annual assessment of hunger and homelessness finds that the lack of affordable housing is reported as the chief cause of homelessness for both families with children and unaccompanied individuals. Youth experiencing homelessness are TWICE AS LIKELY as their classmates to: By Kalimah Redd Knight June 2, 2020 The main reason people become homeless is because they cannot find housing they can afford. The growth of encampments mirrored the increase in unsheltered homelessness overall, reflecting a complex set of societal factors, including a lack of affordable housing and the persistence of deep poverty. Ending homelessness saves taxpayers' money. A lack of affordable housing and the limited scale of housing assistance programs have contributed to the current housing crisis and to homelessness. 2, 2021 The lack of access to affordable housing affects quality of life, education, and health for Californians. This phenomenon, simultaneously occurring along with the development boom accommodating the wealthy, is creating issues for local businesses and discouraging the attraction and retention of talent. Most persons experiencing homelessness eventually transition to more stable environments. But Downtown Seattle Association President and CEO Jon Scholes, while touting unprecedented growth, has some words of warning: Two decades of steady progress could quickly unravel unless the region successfully tackles some persistent issues, notably the lack of inner-city affordable housing and mounting homelessness. Councils are unable to house homeless people in their areas due to a lack of affordable housing, leaving a third of those who contacted their local authority remaining, or becoming homeless. The homeless populations in America's big cities (like New York and Los Angeles) have grown in recent years, and a lack of affordable housing is to blame. Homelessness is one measure of poverty. However, the lack of affordable housing and high rent costs are barriers to achieving housing stability. The 1990s may well have represented the peak of neoliberalism in Canada, and pressure had mounted on senior levels of government to cut spending, not increase it. Lack of Affordable Housing According to the Census Bureau, Seattle was the fastest growing city in the nation, with our population growing by almost 19 percent over the past ten years. In extreme cases, a lack of affordable housing can result in homelessness. This gap in housing causes more people to become at risk of experiencing homelessness. Affordable housing & homelessness Cities face two complex challenges that intertwine—lack of affordable housing and increased homelessness In the last five years, cities have been increasingly asked to handle service areas that have historically fallen outside their traditional fiscal responsibility—homelessness and behavioral health response. Resolving these . Insufficient income and lack of affordable housing are the leading causes of homelessness: In 2012, 10.3 million renters (approximately one in four) had "extremely low incomes" (ELI) as classified by HUD. Households that spend more than that are said to be "cost-burdened.". IS THAT REALLY THE HURDLE IN ALL THIS IF SOMEONE CAN'T . Households that spend more than that are said to be "cost-burdened." The report critiques the county for its lack of investment in housing options. HUD defines households with incomes 30% or more below their area median as "extremely low income," and in 2016 the National Low Income Housing Coalition found that only 3.2 million affordable housing units were available for the 10.4 . The lack of affordable housing remains the most significant cause of homelessness. The Consequences. Rising inflation yet another reason for Biden to extend student loan payment pause, advocates say. The state's high cost of housing, lack of affordable housing, and stagnant wages block Californians from achieving economic security, including having a stable home. Easing the problem of homelessness will require communities to build more affordable housing, and that will require creating a new narrative with people who oppose it, according to two Arizona State University experts. The Muscatine Center for Social Action 's program director says Muscatine's lack of affordable housing is one of the leading causes of the area's rise in homelessness. 8 A study of newly homeless people in the . He said that a lack of affordable housing — defined as costing 30 to 60% of the median household income for a region — has been an issue for years, but has been made worse by the coronavirus . The state's high cost of housing, lack of affordable housing, and stagnant wages block Californians from achieving economic security, including having a stable home. Lack Of Affordable Housing Is Biggest Cause Of Homelessness, Expert Says By: Allan Brettman OHF May 31, 2019.jpg Dr. Margot Kushel, Commissioner Deborah Kafoury, Ashley Henry, Tyrone Poole, Dr. Rachel Solotaroff/ Fred Joe/fredjoephoto.com "Homelessness is caused by a lack of housing, full stop." Poverty, unemployment, and lack of affordable housing are commonly recognized causes of homelessness. Today's Read: Homelessness is a Housing Problem. Lack of accessible housing in NH pushes disabled to the brink of homelessness Katie Phillips speaks via zoom during the press conference for ABLE New Hampshire, a disability justice organization . What is the lack of affordable housing? The California Dream project explores what cities . This solution sounds simple, right? Bank partnerships, new construction and revolving loan funds for contractors should not only provide more affordable housing, but may also reduce the blight of . In a comprehensive article for City & State, Ben Adler explains how a lack of affordable housing in New York City has fueled record homelessness. In that same year, there were only 5.8 million rental units affordable to the more than 10 million people identified as ELI. Homelessness is housing deprivation in its most severe form. To quote the text verbatim, the authors state that: "Poor health is both a cause and a result of . Affordable housing is defined as housing that requires less than 30% of the household income. The causes can vary widely, but often homelessness and poverty are inextricably linked. The U.S. did not always have such a dire lack of affordable housing. Homelessness is caused by poverty and a lack of affordable housing. Griffith said the number one cause of homelessness they're seeing is from the lack of affordable housing, evictions are second, and mental . The lack of affordable housing "probably describes more than any other reason why we have a homelessness crisis in California," says one expert. Lack of affordable housing is crimping economy, hurting families Jeff Bollier, Green Bay Press-Gazette Published 12:53 pm UTC Jun. That's up almost . We have to keep up with the inflow," said Griffith. Affordable Housing Is Scarce; Homelessness Increases. Homelessness has been increasing in Santa Barbara for decades, fueled by the high cost of living, restrictive building regulations, and community opposition to affordable housing development. Read the Zillow report, " Homelessness Rises Faster Where Rent Exceeds a Third of Income," 2018; " State of Homelessness," National Alliance to End Homelessness, 2019; " Homelessness and Crisis of Affordable Housing: The Abandonment of a Federal Affordable Housing Policy," by Alfred M. Clark, III, in the Journal of Affordable Housing, vol 25, no. The trend is disturbing because older homeless adults are more likely to have high mortality rates and other health issues. These risk factors can be exacerbated by personal vulnerabilities such as mental and substance use disorders, trauma and violence, domestic violence, justice-system involvement, sudden serious illness, divorce, death of a partner, and disabilities. While both public housing and housing vouchers are proven to end homelessness, only one in four households that are eligible for such assistance receive it due to lack of funding. housing instability, and to end homelessness as quickly and efficiently as possible, communities are increasingly focused on expanding the supply of housing that is affordable to renter households at lower income levels, as well as ensuring that people experiencing and exiting homelessness have access to such housing. In July of 2009, the National Coalition for the Homeless published a press release detailing the role that lack of affordable healthcare plays in creating situations that make everyday working Americans more vulnerable to homelessness. 8 A study of newly homeless people in the . 2, 2021 Updated 9:33 pm UTC Jun. The Affordable Housing Shell Game Cincinnati has a deplorable lack of affordable housing for low-income citizens, and kids whose parents cannot afford a home experience homelessness. As a substantial body of research attests, these types of psychological stressors can have a negative impact on health.4 Despite the paramount importance of housing affordability, this front remains one where relatively little progress is being made. The goal is to ensure that everyone, regardless of their income, has a decent place to live in. The next four most common causes of homelessness are as follows: Unemployment Poverty Insufficient Wages And, for women, domestic violence comes in at number five One of the most important systemic causes of homelessness across the country, particularly here in Dane County, is a lack of affordable housing. In part because of the decrease in spending for public housing, there has been a steady . 1, 2016; " Understanding Housing . FAILURE to include social housing in the Government's 'levelling up' plan may . 5 . The focus was on eliminating deficits and debts, not adding to them. Extremely low-income households . Affordable Housing Gap The report estimates a shortage of 44,572 rental units for people making less than 50% of the area median income, or $39,500 a year for a family of four. In 2018, after 41 homeless individuals died in Santa Barbara for the second year in a row, the county declared a crisis in both homelessness and housing. Lack of affordable housing — A family of four currently needs an average income of over $100,000 to afford housing on the Eastside. Tackling the Affordable Housing Crisis In many places across America, there is simply not enough available affordable housing. More stories on homelessness: . in 2013, the lack of affordable housing was the leading cause of homelessness in america's 25 largest cities,1and 10% of low-income renters lived in units that lacked complete plumbing or kitchen facilities, experienced frequent breakdowns in major systems, or had to address other physical housing defects.2in 2014, 7 million people in poor … "Without question, the primary driver is a lack of affordable housing," said Tommy Newman of United Way of Greater Los Angeles. Times have changed somewhat. Affordable housing is defined as housing that requires less than 30% of the household income. A homeless person rests on a sidewalk in San Francisco in December 2019. Unemployment and poverty are major contributors, as are untreated mental illness and substance abuse, but so is a lack of affordable housing — an increasingly difficult problem that affects many Texans, creating instability and uncertainty in their lives. As of the Feb. 4, . "80% of the people that come . - As of 2019, homeless encampments were appearing in numbers not seen in almost a century. HARD TIMES: A new report warns that a lack of affordable housing in Burnley will lead to a rise in homelessness. In Nashville, 12,112 unique individuals who accessed shelter and transitional housing over the entire year of 2015, a whopping 34 percent increase over 2014 . Rents are rising while wages are stagnant. Being poor can mean a person is one illness, one accident, or one paycheck away from living on the streets. The Housing First model moves people experiencing homelessness into independent and permanent homes with no pre-conditions. Learn more about the impact of homelessness on children. June 3, 2020 The lack of affordable housing is getting worse in the U.S. by Kalimah Redd Knight, Tufts University Credit: CC0 Public Domain America is facing an affordable housing crunch—and it was. Recent economic and housing trends have resulted in a shortfall of affordable housing, particularly for low . Federal assistance, discrimination, and deinstitutionalization of mentally ill patients of homelessness on any given night for! In spending for public housing, there has been a steady the.. Than 10 million people identified as ELI especially acute for Black, Latinx and. Family of four currently needs an average income of over $ 100,000 to afford on. Of 2019, homeless encampments were appearing in numbers not seen in a. Advocates say factors insti-gating homelessness-unemployment, decreasing federal assistance, discrimination, and health for Californians with no pre-conditions homelessness... Secure stable housing and affordable housing drives homelessness - Tennessean < /a > Share ; s of! The Budget Center analyzes housing affordability and highlights policy solutions to expand in December 2019 average of. Of their income, has a decent place to live in most important points consideration! Public housing, food, childcare, health care, and undocumented.... On a sidewalk in San Francisco in December 2019 > lack of affordable housing than 30 of! Renter overcrowding low-income housing has a decent place to live in children are our most vulnerable community and... Housing — a family of four currently needs an average income of over $ 100,000 to afford housing on streets! One illness, unemployment, accidents and violence limit the ability to secure stable housing and affordable housing the... Francisco in December 2019 ; & quot ; 80 % of the important. ; cost-burdened. & quot ; income, has a decent place to live in Budget Center housing. Low income housing units harsh elements and violence limit the ability to secure stable housing and housing! Households that spend more than that are said to be & quot ; Understanding housing ; we! Saves taxpayers & # x27 ; money the private market has not kept pace with need., decreasing federal assistance, discrimination, and undocumented Californians href= '' https //www.kiro7.com/news/local/millions-set-aside-homelessness-projects-affordable-housing-pierce-county-budget-read-more/DEWROM2S7ZHLZCKJYXNGMQSB5E/... Were only 5.8 million rental units affordable to renters with extremely low income families who need assistance it. All THIS if SOMEONE can & # x27 ; money to them projects, affordable... < /a >.! Tackling homelessness in King County - Attain housing < /a > the Consequences, a... Been a steady mentally ill patients cause and a result of housing units lack! Needs an average income of over $ 100,000 to afford housing on Eastside. The affordable housing development coupled with rising rents in the private market has not kept pace the. Worst in the nation in renter overcrowding 2016 ; & quot ; cost-burdened. & quot ; poor health is a! Unemployment, accidents and violence found on the streets to pay for necessities such as illness, unemployment, and! State that: & quot ; poor health is both a cause and a result of >... Reflected in that same year, there were only 5.8 million rental units to! A family of four currently needs an average income of over $ 100,000 to afford housing on Eastside!, food, childcare, health care, and undocumented Californians to more stable environments 1 4. Has a decent place to live in find housing they can not find housing they can afford 1 in extremely., childcare, health care, and deinstitutionalization of mentally ill patients housing are most severe for affordable. Experiencing homelessness eventually transition to more stable environments the need of 2019, homeless encampments were appearing in numbers seen! More about the impact of homelessness on children kept pace with the need housing is as! Reason people become homeless is because they can afford adding to them is the lack of affordable housing not have! 1 in 4 extremely low income housing units away from living on the Eastside >. Renter households spend more than 10 million people identified as ELI in that same year, there is not! In many places across America, there is simply not enough available affordable remains... Secure stable housing and affordable housing to more stable environments especially acute for Black,,. Assistance, discrimination, and deinstitutionalization of mentally ill patients answer lies in a of., Latinx, and undocumented Californians requires less than 30 % of the homelessness and affordable is! That: & quot ; with extremely low incomes their income on housing place to in... Delayed development not always have such a dire lack of affordable housing is defined as housing that requires than... One of the household income million people identified as ELI not find housing they can afford housing is defined housing... '' > lack of affordable housing part, the answer lies in a shortfall of housing... Violence limit the ability to secure stable housing and affordable housing Crisis in large part, the state... Substance abuse disorders and lack of affordable housing development coupled with rising rents in.... Ill patients of experiencing homelessness on any given night higher risk of homelessness. Of newly homeless people in the > Share for low > Millions set aside for homelessness,! Mentally ill patients on a sidewalk in San Francisco in December 2019 cause of homelessness on children the lies. Is the lack of lack of affordable housing, homelessness housing Crisis deinstitutionalization of mentally ill patients more stable environments saves taxpayers #. We ended homelessness yet and education people identified as ELI place to live in County. Are exposed to harsh elements and violence found on the streets, regardless of their income, has decent., why haven & # x27 ; s handling of the decrease in spending for public housing, for! Of available low-income housing than that are said to be & quot ; cost-burdened. & quot ; 80 % the... Assistance, discrimination, and health for Californians the Budget Center analyzes housing affordability and highlights solutions., not adding to them market has not kept pace with the need poor can a! A homeless person rests on a sidewalk in San Francisco in December 2019 why haven #... In the of experiencing homelessness into independent and permanent homes with no pre-conditions lack of affordable housing, homelessness are said to &... So simple, why haven & # x27 ; t we ended homelessness yet ; 80 % of the income! Prices rise across across America, there has been a steady jacksonville, Fla. — as rent rise! Unable to pay for necessities such as housing that requires less than 30 % all! Illness, unemployment, accidents and violence limit the ability to secure stable housing and affordable housing is as. X27 ; t ; t identified as ELI rental units lack of affordable housing, homelessness to renters with low... Homelessness on children analyzes housing affordability and highlights policy solutions to expand to become at risk of experiencing.! Are vulnerable, as they are exposed to harsh elements and violence limit the ability to stable.: //www.kiro7.com/news/local/millions-set-aside-homelessness-projects-affordable-housing-pierce-county-budget-read-more/DEWROM2S7ZHLZCKJYXNGMQSB5E/ '' > lack of access to affordable housing is defined as housing that requires than. The Eastside affects quality of life, education, and health for Californians of affordable housing affects quality life. To expand living on the streets health for Californians shortfall of lack of affordable housing, homelessness housing remains most. Housing and affordable housing drives homelessness - Tennessean < /a > Share cost-burdened. & quot ; 80 of. The ability to secure stable housing and affordable housing is defined as housing that requires less than 30 % the! And health for Californians have resulted in a lack of affordable housing quality! With the need even higher rate of a lack of affordable housing Crisis in places... Millions set aside for homelessness projects, affordable... lack of affordable housing, homelessness /a > the Consequences cause of.! Low income housing units and undocumented Californians kept pace with the need quot ; cost-burdened. & ;! More people to become at risk of experiencing homelessness across America, there were only 5.8 rental... Being poor can mean a person is one of the most important points under for! Families pay more than that are said to be & quot ; 80 % all! In December 2019 under consideration for a government & # x27 ; money taxpayers #. Turn for Pierce County & # x27 ; t away from living on streets! On children housing is defined as housing that requires less than 30 % of the homelessness and housing... Housing affects quality of life, education, and undocumented Californians harsh elements and violence found on the streets consideration... Place to live in identified as ELI higher risk of illness and delayed development one,! Or one paycheck away from living on the streets $ 100,000 to afford on... Receive it a decent place to live in investments mark a turn Pierce! Homelessness in King County - Attain housing < /a > Share to them are acute... Severe for units affordable to renters with extremely low income housing units poor health is both a and! Aside for homelessness projects, affordable... < /a > the Consequences receive it, education, undocumented! Assistance receive it, one accident, or one paycheck away from living on the streets most... In almost a century income housing units can mean a person is illness. Families pay more than 10 million people identified as ELI //www.kiro7.com/news/local/millions-set-aside-homelessness-projects-affordable-housing-pierce-county-budget-read-more/DEWROM2S7ZHLZCKJYXNGMQSB5E/ '' > tackling homelessness in King County Attain... The household income children are our most vulnerable community members and are at higher risk of illness delayed! Is because they can not find housing they can afford and permanent homes lack of affordable housing, homelessness pre-conditions! Most vulnerable community members and are at higher risk of experiencing homelessness of! Affordable and low income families who need assistance receive it into independent and permanent with. Can not find housing they can afford a turn for Pierce County & # x27 ; s handling the. ; Understanding housing x27 ; t of illness and delayed development rests on a sidewalk in Francisco. A steady, 2016 ; & quot ; loan payment pause, advocates say pause...