Editorial

Rental shortage real problem, but what's the solution

Wednesday, October 26, 2011

Barb Ostrum can see the problem first hand. As local community service coordinator for Community Action Partnership of Mid-Nebraska, she's often the first to get the call when someone has nowhere else to go.

As she told regional editor Connie Jo Discoe, she's helped a mother with two children, living in a car, young men with jobs but no place to live, and many others.

"I'm really, really concerned. And now there are going to be another seven families looking for places to live," she said.

She was referring to the two-story apartment house north of the Red Willow Courthouse, which the county wants to buy to make way for a future jail. Another five families already had to move when another apartment house next door was purchased and torn down.

Across town, St. Catherine's Apartments closed two years ago, displacing 28 families, when the owners found it was no longer financially feasible to keep the facility open.

Nearby, many of the units in a mobile home park have been converted to rent-to-own properties.

Ostrum points out that nothing has been built for renters for about 10 years, and the East Ward Village project is aimed toward low-income seniors. Developers hope that will clear up housing for younger families, but that remains to be seen.

Ironically, houses in McCook are relatively affordable. Someone with a steady income can usually arrange to buy a house for the same or less than what it will cost to rent, but not everyone is ready to put down those kind of roots.

Too many owners have been burned by "bad" renters who hide behind laws designed to protect them, failing to pay rent on time and leaving properties trashed when they move out.

"Renters have more rights than landlords do," one observer complained.

So what is the answer? It does seem that St. Catherine's Apartments -- the old hospital -- are an underutilized resource that could soon become a liability if they fall into disrepair and attract "squatters," as some say they are already doing.

But we don't feel it should be necessary for McCook to establish more low-income housing at a time when government programs are more likely to contract than expand.

The long-term solution, of course, is more jobs that pay wages high enough to take advantage of our area's relatively low cost of living. It's always preferable for people to take ownership of their own housing, even if others pitch in to help -- ala Habitat for Humanity -- than to rely on taxpayer handouts.


Tuesday's story has drawn many astute observations from readers -- check them out and add your own at http://www.mccookgazette.com/story/1777 432.html

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  • It is tuff being a landlord with the high taxes, water bills and the few who skip when behind on the rent. Maybe the housing director and the EDC could make housing in the top floors of the Keystone. They operate on tax and grant money and could be tax exempt. Probably room for 20 or more units. just a thought.

    -- Posted by slumlord on Wed, Oct 26, 2011, at 7:54 PM
  • OOOORRRRR!!!! The city and county can work together with the very few people who are actually developing in this area instead of holding grudges and turning their backs on simple requests for things like road maintenance (not improvement). That IS NOT the answer, but it is a piece of the pie.

    Moreover, people that post on this website can be supportive of new businesses such as the brewery instead of taking jabs at the owner! New business means new jobs, new jobs mean need for people if not more money in someone's pocket to afford these hideous housing costs.

    -- Posted by speak-e-z on Thu, Oct 27, 2011, at 8:22 AM
  • How many of these people could qualify to buy a home? Even with interest rates at an all time low, the hoops for someone to jump through to qualify for a home loan have increased dramatically. And God forbid if you have bad credit or declared bankruptcy! And be prepared, government funds for rental assistance will be decreasing...

    -- Posted by deepthinker98 on Thu, Oct 27, 2011, at 8:47 AM
  • Deepthinker98, while it's harder to qualify for a home than a few years ago, it's not as hard as the media has made it out to be.

    Most lenders will go to a 620 credit score. Some will even go a bit lower.

    With an FHA loan you only need a 3.5% down payment. If you've kept a good credit history for 2-3 years after a bankruptcy you can usually get a mortgage albeit with higher rate.

    The quickest way to find out if you qualify or not is to talk to a mortgage lender. It's free to pre-qualify.

    However so many people have said its impossible to qualify that not many people take the time to try.

    -- Posted by npwinder on Sun, Oct 30, 2011, at 11:20 PM
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