Evicted_ Poverty and Profit in the American City - Matthew Desmond Page 0,2

We have failed to fully appreciate how deeply housing is implicated in the creation of poverty. Not everyone living in a distressed neighborhood is associated with gang members, parole officers, employers, social workers, or pastors. But nearly all of them have a landlord.

PART ONE

RENT

1.

THE BUSINESS OF OWNING THE CITY

Before the city yielded to winter, as cold and gray as a mechanic’s wrench, before Arleen convinced Sherrena Tarver to let her boys move into the Thirteenth Street duplex, the inner city was crackling with life. It was early September and Milwaukee was enjoying an Indian summer. Music rolled into the streets from car speakers as children played on the sidewalk or sold water bottles by the freeway entrance. Grandmothers watched from porch chairs as bare-chested black boys laughingly made their way to the basketball court.

Sherrena wound her way through the North Side, listening to R&B with her window down. Most middle-class Milwaukeeans zoomed past the inner city on the freeway. Landlords took the side streets, typically not in their Saab or Audi but in their “rent collector,” some oil-leaking, rusted-out van or truck that hauled around extension cords, ladders, maybe a loaded pistol, plumbing snakes, toolboxes, a can of Mace, nail guns, and other necessities. Sherrena usually left her lipstick-red Camaro at home and visited tenants in a beige-and-brown 1993 Chevy Suburban with 22-inch rims. The Suburban belonged to Quentin, Sherrena’s husband, business partner, and property manager. He used a screwdriver to start it.

Some white Milwaukeeans still referred to the North Side as “the core,” as they did in the 1960s, and if they ventured into it, they saw street after street of sagging duplexes, fading murals, twenty-four-hour day cares, and corner stores with WIC ACCEPTED HERE signs. Once America’s eleventh-largest city, Milwaukee’s population had fallen below 600,000, down from over 740,000 in 1960. It showed. Abandoned properties and weedy lots where houses once stood dotted the North Side. A typical residential street had a few single-family homes owned by older folks who tended gardens and hung American flags, more duplexes or four-family apartment buildings with chipping paint and bedsheet curtains rented to struggling families, and vacant plots and empty houses with boards drilled over their doors and windows.

Sherrena saw all this, but she saw something else too. Like other seasoned landlords, she knew who owned which multifamily, which church, which bar, which street; knew its different vicissitudes of life, its shades and moods; knew which blocks were hot and drug-soaked and which were stable and quiet. She knew the ghetto’s value and how money could be made from a property that looked worthless to people who didn’t know any better.

Petite with chestnut skin, Sherrena wore a lightweight red-and-blue jacket that matched her pants, which matched her off-kilter NBA cap. She liked to laugh, a full, open-mouthed hoot, sometimes catching your shoulder as if to keep from falling. But as she turned off North Avenue on her way to pay a visit to tenants who lived near the intersection of Eighteenth and Wright Streets, she slowed down and let out a heavy sigh. Evictions were a regular part of the business, but Lamar didn’t have any legs. Sherrena was not looking forward to evicting a man without legs.

When Lamar first fell behind, Sherrena didn’t reach automatically for the eviction notice or shrug it off with a bromide about business being business. She hemmed and hawed. “I’m gonna have a hard time doing this,” she told Quentin when she could no longer ignore it. “You know that, don’t you?” Sherrena frowned.

Quentin stayed quiet and let his wife say it.

“It’s only fair,” Sherrena offered after a few silent moments of deliberation. “I feel bad for the kids. Lamar’s got them little boys in there….And I love Lamar. But love don’t pay the bills.”

Sherrena had a lot of bills: mortgage payments, water charges, maintenance expenses, property taxes. Sometimes a major expense would come out of nowhere—a broken furnace, an unexpected bill from the city—and leave her close to broke until the first of the month.

“We don’t have the time to wait,” Quentin said. “While we waiting on his payment, the taxes are going up. The mortgage payment is going up.”

There was no hedging in this business. When a tenant didn’t pay $500, her landlord lost $500. When that happened, landlords with mortgages dug into their savings or their income to make sure the bank didn’t hand them a foreclosure notice. There were no euphemisms either: no “downsizing,” no “quarterly losses.” Landlords took the gains