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Evictions were deserved, understood to be the outcome of individual failure. They “helped get rid of the riffraff,” some said. No one thought the poor more undeserving than the poor themselves.In years past, renters opposed landlords and saw themselves as a “class” with shared interests and a unified purpose. During the early twentieth century, tenants organized against evictions and unsanitary conditions. When landlords raised rents too often or too steeply, tenants went so far as to stage rent strikes. Strikers joined together to withhold rent and form picket lines, risking eviction, arrest, and beatings by hired thugs. They were not an especially radical bunch, these strikers. Most were ordinary mothers and fathers who believed landlords were entitled to modest rent increases and fair profits, but not “price gouging.” In New York City, the great rent wars of the Roaring Twenties forced a state legislature to impose rent controls that remain the country’s strongest to this day.Petitions, picket lines, civil disobedience—this kind of political mobilization required a certain shift in vision.

Matthew Desmond
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Today, the majority of poor renting families in America spend over half of their income on housing, and at least one in four dedicates over 70 percent to paying the rent and keeping the lights on.

Matthew Desmond, Evicted: Poverty and Profit in the American City
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When tenants relinquished protections by falling behind in rent or otherwise breaking their rental agreement, landlords could respond by neglecting repairs. Or as Sherrena put it to tenants: “If I give you a break, you give me a break.” Tenants could trade their dignity and children’s health for a roof over their head. 13 Between 2009 and 2011, nearly half of all renters in Milwaukee experienced a serious and lasting housing problem. 14 More than 1 in 5 lived with a broken window; a busted appliance; or mice, cockroaches, or rats for more than three days. One-third experienced clogged plumbing that lasted more than a day. And 1 in 10 spent at least a day without heat. African American households were the most likely to have these problems—as were those where children slept. Yet the average rent was the same, whether an apartment had housing problems or did not. Tenants who fell behind either had to accept unpleasant, degrading, and sometimes dangerous housing conditions or be evicted. But from a business point of view, this arrangement could be lucrative.

Matthew Desmond, Evicted: Poverty and Profit in the American City
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In 2013, 1 percent of poor renters lived in rent-controlled units; 15 percent lived in public housing; and 17 percent received a government subsidy, mainly in the form of a rent-reducing voucher. The remaining 67 percent—2 of every 3 poor renting families—received no federal assistance. 32 This drastic shortfall in government support, coupled with rising rent and utility costs alongside stagnant incomes, is the reason why most poor renting families today spend most of their income on housing.

Matthew Desmond, Evicted: Poverty and Profit in the American City
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The Hinkstons expected more of their landlord for the money they were paying her. Rent was their biggest expense by far, and they wanted a decent and functional home in return. They wanted things to be fixed when they broke. But if Sherrena wasn’t going to repair her own property, neither were they. The house failed the tenants, and the tenants failed the house.

Matthew Desmond, Evicted: Poverty and Profit in the American City
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For many landlords, it was cheaper to deal with the expense of eviction than to maintain their properties; it was possible to skimp on maintenance if tenants were perpetually behind; and many poor tenants would be perpetually behind because their rent was too high.

Matthew Desmond, Evicted: Poverty and Profit in the American City
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An idle mind is a devil’s workshop and I am prone to renting out my mind to the first bidder.

Anurag Shourie, Half A Shadow
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Potential home buyers have a two-step decision process. First, they determine whether they can afford to make a purchase - does their income safely cover their mortgage payment? Then they determine whether owning is a better financial choice than renting - are the costs of owning a home lower than the cost of renting it?

Mark Zandi
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The Delores tank rolled on inexorably, “You get a mortgage to buy a house, a larger mortgage than the previous owner because the price of the house has been artificially increased by the market, which is controlled by the banks. Then you live in the house for a few years paying a lot more in mortgage payments than you would if you were renting a similar property. But hey, you ‘own’ it and can ‘do things to it’… things that cost even more money, by the way… so you maintain its upkeep, improve it with say a new kitchen or bathroom; the more salubrious the neighbourhood the more expensive the kitchen would need to be – a Küche & Cucina, say; impressing your cleaner is very important after all and at the end you sell it to someone else for more than you paid for it so they’ll need an even bigger mortgage. And all the while everyone is paying all this money to the banks and the banks give the money to their shareholders, the biggest of whom are the incredibly rich. This, when you boil it all down, means that you’re taking a large sum out of your wages and passing it across to some rich person to live large, whilst you and others like you struggle to make their monthly payments. Basically you’ve been screwed, Doc, but somehow they’ve convinced you that you own a bit of England, when the truth is you don’t really own anything, you’re just renting it at a higher cost and they can take it back from you any time they want. It’s all just a card trick, Doc. All just ‘smoke and mirrors’ and that’s what’s getting to me.

Arun D. Ellis, Corpalism
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My favourite thing in the world is going out to get Chinese food, then coming home and renting a movie.

Bindi Irwin
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