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A
I
think
Alex
is
going
to
start
recording
and
unfortunately,
people
in
the
room
can't
see
me
but
I'm
right
here.
My
name's
Caitlin
Jones
I'm,
the
coordinator
for
our
home
ownership
study
and
the
homeownership
study
committee
of
the
Housing
Commission
has
been
helping
staff
with
sort
of
provide
for
provide,
Direction
and
guidance
on
me
as
we
when
we
started
since
we
started
last
year,
and
so
today
we're
going
to
talk
a
little
bit
about
at
least.
A
Elise,
could
you
go
to
the
next
slide?
Well,
it
doesn't
matter
we're
gonna
provide
some
updates
about
what
we've
been
working
on
since
the
last
time
we
met
in
February,
which
includes
some
of
the
round
tables
that
we
did
in
March
and
we're
going
to
give
a
little
bit
of
a
update
about
the
major
themes
that
we
heard
during
those
roundtables.
A
We're
also
going
to
provide
an
overview
of
the
community
meetings,
engagement
strategy
that
we're
using
over
the
summer
to
engage
the
community
on
developing
a
division,
a
homeownership
vision
and,
and
then
the
majority
of
the
meeting
will
focus
on
having
a
racial
Equity
discussion
using
the
county.
A
A
A
Go
to
the
next
slide.
I
did
want
to
mention
just
a
couple
things
that
we
have
that
have
happened
since
our
last
meeting
in
February.
Again,
we
conducted
some
round
tables
in
March
at
least
it's
going
to
go
over.
You
know
what
the
what
we
heard
during
those
roundtables
in
more
detail
in
just
a
minute.
We
participated
in
the
live-in
Arlington
information
Fair
a
couple
weeks.
A
We
shared
some
of
the
feedback
that
we
received
during
those
round
tables
and
engaged
participants
at
that
fair
to
see
how
they
resonated
with
the
major
things
that
came
out
of
the
round
tables.
We've
also
posted
three
web
pagers
of
just
providing
an
overview
of
some
of
the
homeownership
studies
work
to
date.
So
there's
one
one
major
on
just
a
overview
of
the
study
sort
of
what
we're
hoping
to
accomplish.
There's
another
one
that
covers
the.
A
We
also
created
an
article
and
research
library
on
our
website
just
to
help
people
stay
informed
about
some
of
the
research
that
we've
been
looking
at
as
we've
been
study
and
that's
about
it.
So
if
there
aren't
any
questions
about
any
of
that,
I
think
we'll
go
into
the
overview
of
the
round
tables.
D
All
right
during
February
and
March,
we
held
five
round
tables
with
specific
populations.
The
first
two
were
with
Realtors
and
mortgage
lenders
and
the
idea
there
was
that
we
started
by
speaking
to
practitioners
in
the
kind
of
like
home
ownership
space
or
in
the
field
of
of
home,
buying
and
homeownership
to
learn
more
about
things
that
they
had
seen.
D
Clients
experience
and
we
used
the
information
that
we
got
from
those
two
round
tables
to
refine
some
of
our
questions
for
the
following
three,
which
were
held
with
condo
owners,
older
adult
homeowners
in
Arlington
and
perspective
and
recent
home
buyers.
D
So
so
three
groups
of
people
who
use
services
or
programs
provided
by
Arlington
County,
such
as
the
condo
education
workshops,
that
we
have
the
work
that
DHS
and
the
housing
division
do
with
Rebuilding
Together,
which
is
a
non-profit
that
makes
accessibility
and
other
modifications
to
the
homes
of
lower
income
and
elderly
homeowners
and
then
perspective
and
recent
home
buyers
who
might
be
using
the
affordable
dwelling
unit
program
or
moderate
income,
purchase
assistance,
program,
mypap
or
even
spark,
which
is
a
way
to
lower
your
interest
rate.
D
D
We
had
mostly
diversity
of
Ages,
with
the
exception,
logically
of
the
older
homeowner
Roundtable,
where
all
of
our
participants
were
between
60
and
89
years
of
age
and
in
fact
only
one
of
the
people
who
completed
our
demographic
questions
from
that
Round
Table
was
in
the
60
to
69
category
and
that
may
actually
have
been
a
participant
who
volunteers
with
Rebuilding
Together.
D
So
he
was
there
not
because
he
is
a
senior
homeowner,
but
because
he
has
worked
with
many
in
Arlington,
most
of
them
good
diversity
of
gender
identities,
the
exception
being
our
perspective
and
recent
home
buyer
Roundtable,
which
was
majority
female.
D
And
when
we
talk
about
race
and
ethnicity.
The
majority
of
the
roundtables
were
majority
white,
except
again
for
perspective
and
recent
home
buyers,
where
six
out
of
the
seven
people
who
completed
are
questionnaire
for
that
Round
Table
identified
as
being
non-white.
D
D
The
major
concern
that
we
heard
voiced
was
condo
fees,
which
many
existing
condo
owners
have
seen
increase
over
the
years.
One
condo
owner
in
our
Round
Table
pointed
out
that
his
or
her
Condo,
building
and
others
still
don't
vary
their
fee
structure
based
on
unit
sizes,
not
true
of
all
condos
buildings
in
Arlington,
but
true
of
some,
the
other
challenge
that
seemed
to
come
up
most
frequently
when
discussing
condos
were
issues
of
Maintenance
and
structural
repairs
and
among
the
among
the
mortgage
lenders.
D
We
even
heard
that
they've
had
experiences
of
the
FHA
refusing
to
approve
a
loan
for
specific
condos
that
didn't
meet
their
safety
and
building
inspection
criteria.
D
D
There
is
concern
about
older
homeowners
in
Arlington
living
in
what
may
be
even
unsafe
conditions,
and
the
reasons
for
that
are
difficulty
with
making
adaptations
to
homes,
especially
on
a
fixed
income.
Our
mortgage
lenders
pointed
out
that
seniors
can
use
reverse
mortgages
to
fund
some
of
these
repairs,
but
they
tend
to
be
underused
in
terms
of
lending
products.
D
The
older
adult
homeowners
themselves
voiced
some
frustration
with
their
own
abilities
to
negotiate
with
contractors
or
look
for
ways
to
finance
Home
Improvements.
D
So
we
heard
a
lot
about
challenges
of
staying
in
existing
homes,
but
with
the
older
adult
homeowners,
we
also
heard
some
people
talk
about
how
for
them,
the
cost
of
moving
into
a
retirement,
community
or
assisted
living
situation
was
just
too
great
and
it
was
actually
more
financially
feasible
for
them
to
remain
in
their
homes,
even
if
they
had
to
modify
them.
D
Okay,
the
next
couple
of
slides
are
about
our
learnings,
about
challenges
being
faced
by
people
who
are
trying
to
purchase
homes
in
Arlington,
and
primarily
this
information
is
coming
from
the
realtor
mortgage
lender
and
recent
and
prospective
home
buyer
roundtables,
probably
not
a
surprise
to
anyone.
D
D
That's
for
sale
for
people
to
own
kind
of
going
along
with
the
inventory
Realtors,
and
some
of
the
mortgage
lenders
mentioned
that
they
had
had
clients
be
discouraged
by
the
lack
of
diversity
of
housing,
types
in
Arlington
and
the
age
of
some
of
our
housing
stock,
and
there
was
a
good
discussion
in
all
three
of
the
round
tables
that
I
mentioned,
specifically
about
the
trade-offs
that
people
tend
to
make
to
live
in
Arlington,
which
include
not
having
an
Inuit
washer
dryer
or
for
going
having
a
yard
and
green
space
because
they
end
up
purchasing
a
condo
in
Arlington.
D
Another
issue
that
we
learned
about
was
in
the
Arlington.
Market
buyers
may
be
facing
competition,
sometimes
with
people
who
can
make
an
all-cash
offer
to
purchase
a
home.
D
Another
set
of
challenges-
probably
not
surprisingly,
were
financial,
and
our
mortgage
lenders
explained
that
they
frequently
see
clients
not
being
able
to
get
financing
due
to
things
like
limited
savings,
high
debt
to
income
ratio,
lack
of
credit
or
even
omission
of
their
banking
information
or
other
pertinent
information
about
their
financial
situation.
D
D
We
heard
several
interested
buyers
say
that
their
monthly
rental
rate
is
actually
higher
than
what
they
would
pay
for
a
mortgage
on
a
monthly
basis,
so
it
would
make
sense
for
them
to
purchase,
but
they
can
either
afford
to
buy
something
in
Arlington
without
any
assistance,
nor
do
they
qualify
for
County
programs.
So,
in
terms
of
financial
challenges,
there's
there
there
are
people
falling
into
kind
of
a
middle
area
where
they're
not
eligible
for
County
Assistance,
but
they
also
are
not
able
to
make
a
purchase
on
their
own.
D
And
last
but
not
least,
we
asked
in
the
realtor
mortgage
lender
and
home
buyer
roundtables
if,
if
clients
or
the
individuals
themselves
had
experienced
challenges
that
they
thought
that
their
White
counterparts
would
not
have
experienced
or
challenges
for
the
lenders
and
Realtors
observing
clients
experiencing
challenges
that
their
white
clients
did
not
experience
and
in
both
the
mortgage
lender
and
realtor
Roundtable
they're.
D
The
initial
response
was
to
talk
about
what
the
law
is
in
terms
of
discriminatory
practices,
and
we
ended
up
needing
to
kind
of
rephrase
our
questions
and
say.
Well.
D
We
know
that
these
we
know
that
there
are
laws
and
policies
in
place
to
prevent
discrimination,
but
think
about
specific
socio-demographic
groups,
maybe
immigrants,
and
that
brought
out
some
good
responses
about
challenges
faced
by
immigrants
in
learning
about
homeownership
programs
using
homeownership
programs
and
home
buying,
including
a
tendency
in
some
immigrant
communities
to
rely
mostly
on
cash
and
to
have
some
cultural
distrust
of
the
banking
system
in
the
U.S.
D
During
the
perspective
in
recent
homemaya
Roundtable,
we
heard
several
people
say
that
as
people
of
color,
they
feel
systematically
disadvantaged
in
the
housing
market
and
they
talked
about
how
options
that
they
could
afford
in
Arlington,
tended
to
be
concentrated
in
neighborhoods,
with
lower
socioeconomic
status
and
lower
performing
schools.
D
So
in
the
mortgage
lender
and
realtor
roundtables,
especially,
we
asked
people
about
how
they
how
they
help
their
clients
overcome
home,
buying
challenges.
We
also
had
one
member
of
the
perspective
and
recent
home
buyer
Roundtable,
who
had
recently
purchased
a
home
using
Arlington's
Adu
program.
D
So
we
asked
her
kind
of
what
made
that
possible
for
you
and
the
answers
that
we
got
cited:
improving
education
and
knowledge
of
home
buying
among
their
clients,
working
with
clients
to
develop
a
plan
to
improve
their
credit
over
a
set
period
of
time,
recommending
that
clients
use
programs
from
sources
like
Arlington,
County
and
Virginia
Housing,
and
also
helping
clients
work
to
kind
of
combine
programs
such
as
maybe
my
Pap
and
Spark,
to
help
them
make
a
purchase
or
to
ensure
that
their
interest
rate
is
not
too
high.
D
We
heard
we
heard
a
great
deal
not
to
not
to
like
suggest
we're
going
to
rest
on
our
Laurels,
but
we
heard
a
great
deal
of
satisfaction
with
Arlington's
home
ownership
programs
among
the
practitioners
and
among
the
perspective
and
recent
home
buyers
themselves,
but
there
were
a
number
of
things
that
our
Roundtable
participants
mentioned,
that
they
thought
might
be
beneficial
or
might
help
more
people
use
Arlington's
programs,
starting
with
the
need
to
share
information
about
them
more
widely
and
more
effectively.
D
D
D
We
heard
suggestions
that
Arlington
should
consider
kind
of
a
tiering
of
homeownership
assistance.
The
way
that
other
jurisdictions
like
Washington
and
Fairfax
do
some
of
our
perspective
and
recent
home
buyers
were
Arlington
or
Arlington
Public,
Schools
Employees
and
they
would
like
to
see.
Expansion
of
the
counties
live
where
you
work
programs
and
finally,
among
the
mortgage
lenders.
D
We
heard
some
concerns
about
how
the
affordable
dwelling
unit
program
has
a
fairly
exclusive
list
of
lenders
and
that,
once
lenders
make
a
loan
to
allow
someone
to
purchase
an
Adu
in
Arlington,
they
have
to
keep
that
loan
in
their
portfolio,
which
the
more
each
lender
said,
was
kind
of
limiting
and
potentially
discouraged
lenders
from
working
with
that
program.
D
So
that
concludes
a
very
quick
overview
of
what
we
learned
from
the
roundtables,
and
we
are
also
working
with
a
consultant
team
to
publish
a
more
in-depth
report
about
these
about
these
five
discussions
where,
to
a
large
extent,
we
heard
that
lived
experience
in
Arlington
is
corroborating,
some
of
the
things
that
we
had
discovered
through
the
program
analyzes
and
the
homeownership
barriers
analyzes
that
were
published
earlier
in
the
study.
A
Thanks
Elise
I
know
some
folks
in
the
room
have
questions
so,
let's
maybe
open
up
to
the
room
first
and
then
we
can
move
on
to
the
virtual
well.
F
E
Ahead,
all
right,
great
Julius,
Spain.
Many
of
you
know
immediate
past
president
of
the
NAACP,
and
thank
you
for
your
briefing.
I
was
taking
some
notes
here
at
the
beginning.
You
started
talking
about
your
Outreach,
so
one
thing
about
Equity
right:
no
policy
is
going
to
be
at
folks.
The
most
effects
are
at
the
table:
I'm
a
bit
concerned
about
the
actual
number
of
people
we
we
touched
between
the
past
several
months
and
I'm
just
curious
to
know
how?
How
did
we
reach
those
votes?
G
E
Number
in
comparison,
if
we're
talking
about
a
lower
scale
study,
that's
the
first
question.
Second
piece
is
I'm.
Hearing
about
mortgage
lenders
you
reached
out
to
six.
Three
came
would
like
to
know
who
those
Mortgage
in
the
news
are
simply
because
you
know
we
start
talking
about
banking,
financial
institutions,
I.E,
Wells,
Fargo,
I,
don't
think
we
should
be
playing
ball
with
them
and
there's
a
whole
number
of
reasons.
Why?
E
Why
discriminatory
practices,
and
the
last,
when
we
talk
about
my
path,
I'm
curious
to
know
how
many
people
received
that
assistance
here
in
Arlington
or
especially,
demographically
I
know.
This
is
three
part
three
questions
there,
maybe
a
lot
we
can
follow
up
later,
but
see
if
you
can
help
me
out
understanding
a
bit.
D
So
in
terms
of
Outreach
for
the
round
tables,
we
worked
with
non-profit
Partners,
like
Karen's
surface
and
Latino
Economic,
Development,
Corporation
and
leadership
Arlington
and
their
young
adult
program
to
both
publicize
the
round
tables
and
to
get
names
of
individuals
to
whom
we
offer
personal
invitations
by
email
and
by
phone
for
each
round
table
we
contacted
I,
would
say
roughly
20
people
to
try
to
get
participation,
and
our
goal
in
each
case
was
10.
D
That
was
what
we
was
identified
with
the
help
of
some
of
our
other
comms
and
engagement
practitioners
as
being
a
good
number
for
the
type
of
in-depth
discussion
we
wanted
to
have
so
really
the
I
would
say
the
mortgage
lender
Roundtable
was
the
one
where
we
felt
most
short
of
what
we
had
wanted
in
terms
of
just
sharing
information
about
this
particular
this
study
and
Arlington's
programs.
We've
been
sharing
that
much
more
widely
the
audiences.
If
you
will
for
the
round
tables,
were
very
targeted.
D
So
we
didn't
do
a
big
push
to
kind
of
get
come
one
come
all,
because
we
were
looking
for
people
who
had
specific
experiences,
but
we
have
been
sharing
information
about
the
study
via
some
of
the
more
traditional
channels
that
the
county
uses
to
communicate
like
our
e-newsletters
social
media
and
County
website.
D
The
second
question
was
I
think
about
which
mortgage
lenders
came.
I
can
tell
you
that
none
of
them
were
from
a
major
Bank
like
Wells,
Fargo
or
Bank
of
America
and
I
I.
Think
we
had
well.
D
We
we
assured
them
that
what
they
were
saying
was
Anonymous,
so
I
can't
I
can't
give
you
their
names,
but
they
were
all
people
who
had
been
identified
as
having
worked
with
clients
of
ledc
or
of
Arlington's
home
ownership
programs
and
who
had
some
experience
in
this
space
of
helping
clients
who
might
need
some
assistance
in
their
purchasing.
F
B
To
speak
for
staff,
or
anything
like
that,
like
cut
out
correct
me
if
I'm
wrong
in
sort
of
the
overall
engagement
approach,
you
know
this
is
these
were
sort
of
an
initial
explorative.
This
is
initial
exploratory
Outreach
discussion
that
this
phase
of
Outreach
is
not
the
broad-based
Outreach
for
to
get
there's
more.
F
B
But
wrong,
is
you
know
these
types
of
in-depth
conversations
are
helping
us
raise
up
the
question
more
of
the
questions
we
need
to
ask
in
the
more
broader
base
and
issues
we
need
to
address
in
a
more
broader
base
to
engage
so
that
we
can
so
that
we're
you
know,
obviously
there'll
be
issues
that
come
up
with
a
broader
base,
engagement
that
we're
embracing
these
roundtables,
but
this
is
sort
of
sort
of
create
a
more
informed
starting
point
for
that
or
broad-based
Community
engaged
that'll
occur
predominantly
over
the.
E
Can
I
ask
wanna
but
I
think
it's
critically
important
because
where
you
start
now
is
going
to
inform
you
on.
E
The
audience
that
you
take
on
and
how
you
tackle
a
number
of
issues
later
on
what
I'm
getting
at
is
I've
heard
some
organizations,
I.E
leadership,
Arlington
I'm,
a
Alum
leadership
Arlington,
but
I'm
gonna
tell
you
Alicia
Burlington.
The
group
you
want
to
talk
to
is
not
there.
E
The
people
that
they
are
connected
to
is
not
in
the
Grassroots,
it's
not
in
the
community.
They
don't
I,
don't
see
that
connection.
So
if
you
want
to
be
have
make
informed
decisions
and
recommendations
and
and
the
people
with
lived
experience,
we
want
to
first
talk
to
the
folks
who've
been
here
30
40
years,
maybe
in
the
Green
Valley
Wholesale
Johnson
Hill
area,
the
people
from
I
would
say:
African-American
Asian
Community.
They
will
inform
us
of
their
challenges
and
that
will
help
shape
the
broader
conversation.
I
believe
I
went
to
some
of
these
organizations.
E
H
Where
clients
of
the
Latino
Economic
Development
Center,
where
I
work,
and
so
we
get
referrals
from
Virginia,
Housing,
Arlington
County,
other
members
of
the
community
that
have
purchased
and
we
have
like
a
broad
base
cool
referral
system.
So
at
least
the
people
that
came
from
our
organization
I
think
are
very
indicative
of
the
general,
first-time
homebuyer
again.
H
E
I'm
not
here
to
I'm
just
yeah
I
I,
honestly
I
love
that
y'all
are
doing
I
want
to
help
shape.
You
know
whatever.
However,
that
means
as
a
community
leader
whatever
it
may
be,
because
people
are
asking
like
like
we're
talking
about
this.
A
That's
right:
I
I
think
we
did
Cover
the
mypat
program
and
sort
of
our
program
just
in
general.
At
the
last
meeting.
H
C
C
A
Okay
looks
like
Nicole,
you
had
a
question.
J
Okay
yeah,
thank
you
for
all
the
research
that
you've
done
and
the
feedback
that
you
got.
One
comment
or
a
couple
of
comments
in
a
question:
one
is
I.
I
want
to
re
reiterate
my
support
of
you.
Increasing
the
mypap
sale
price
I
think
that
will
give
access
to
so
many
more
people
looking
to
purchase
a
home,
especially
Town
Homes,
which
is
the
more
likely
home
for
families
in
in
the
county.
So
I'll
continue
to
just
encourage
action
on
that.
J
The
second
one
is
something
that
I
think
we've
talked
about
almost
every
time
that
we've
been
here,
which
is
the
supply
of
home
ownership
stock,
which
there's
in
these
Roundtable
discussions,
I
didn't
see
any
developers
in
the
room
and
I
I
still
don't
think
that
we've
gotten
data
on
the
development
site
plan
pipeline
that
we
have
in
store
for
available
units,
and
so
I
did
some
research
before
the
meeting
on
active
site
plans
under
review
or
that
are
in
the
preliminary
site
plan
review
process
that
is
actually
dictating
what
our
housing
stock
looks
like
currently
and
moving
forward.
J
I
noticed
that
some
of
the
comments
that
were
given
by
some
people
were
that
there
were
super
high
condo
fees,
which
is
because
we
have
such
an
old
housing
stock
and
condo
stock.
Specifically,
we
aren't
building
condos
we're
building
apartments
and
that's
really
proven
by
the
pipeline
of
what
we
have
under
review
right
now
we
have
11
buildings,
which
is
3
000
units
under
review
of
Apartments.
J
We
have
one
building
of
home
ownership
and
that's
just
in
the
river
house,
because
to
be
really
honest
with
you,
I
was
a
pain
in
the
ass
during
the
Pentagon
City
plan
and
said
we
need
more
home
ownership
here,
so
the
only
homeownership
stock
we
have
is
in
that
pre-site
plan
review
process
right
now,
and
there
are
town
homes
and
condos.
We
have
one
building
of
condos,
that's
accounting
for
10
of
that
housing
stock.
J
That's
coming
online,
that
is
home
ownership
based,
which
is
to
me,
discouraging
because
it
took
so
much
activism
to
get
that
Condo
building.
It
is
probably
not
something
that
the
market
would
have
done.
Naturally,
if
it
weren't
for
people
in
that
Pentagon
City
sector
plan
pushing
it
and
we
almost
have-
we
have
more
senior
living
in
hotels.
J
If
you
combine
them
coming
online,
then
you
have
homeownership
stock
and
so
I
will
reiterate
the
importance
of
focusing
on
the
actual
production
of
home
ownership
stock,
because
as
much
as
I'm
really
hopeful
that
our
missing
middle
plan
will
produce
some
homeownership
stock
in
other
jurisdictions.
It's
been
under
100
units
and
like
half
of
them,
are
home
ownership.
C
I
I
wanted
to
point
out
really
quickly
and
thank
you
for
your
comments
with
regard
to
increasing
the
purchase
price
for
my
path.
I
think
it
also
needs
to
be
understood
that
whatever
we
decide
to
do,
we
would
have
to
increase
the.
B
C
Right
so
currently
the
income
limit
is
at
80
of
the
area.
Median
income
and
our
purchase
price
average
is
about
340..
So.
K
C
Households
at
80
percent
of
Ami
are
not
going
to
be
able
to
afford
homes
above
500
000,
so
coming
along
with
an
increase
to
purchase
price
would
be
an
income.
The
income
link,
which
I
think
is
a
part
of
the
conversation
in
terms
of
tiering
of
assistance
and
and
the
life
that
I
do
and
I
did
want
to
clarify
that.
J
You
typically
will
have
like
250
000
dollar
people,
maybe
to
sixty
thousand
dollar
people,
that's
well
below
80
percent.
But
if
you
actually
have
two
of
those
people
as
PR
as
income
earners,
then
you're
not
able
to
meet
that
80
percent
Ami,
because
it's
it's.
It's
not
actually
realistic.
Of
what
two
income
earners
is,
and
that
bothers
me
both
for
this
program
and
also
our
affordable
housing
ordinance.
J
But
that's
a
another
topic,
but
I
would
actually
encourage
us
to
look
at
how
we
designate
increased
household
size,
particularly
between
that
one
and
two,
because
it's
it's
not
a
running
for
two
income
earners.
I
Hey
good
morning,
can
you
all
hear
me:
okay,
great
I'm,
on
my
phone,
so
I
apologize
that
I
can't
be
on
camera
I.
Just
just
briefly
wanted
to
lift
up
what
Mr
Spain
was
mentioning.
I
You
know,
I
also
want
to
ground
Us
in
equity,
which
I
know
is
the
topic
of
our
meeting
today,
but
Equity
the
way
that
I
Define
it
the
way.
I
see
it
is
really.
I
You
know
us
in
positions
of
power
and
privilege,
using
that
privilege
to
you
know,
seek
the
input
from
those
that
need
the
help
the
most
first
it
sounds
like
we
went,
you
know
to
the
developers,
you
know
first,
and
you
know
some
of
those
comments
that
are
being
shared
with
us
are
now
providing
the
framework,
for
you
know
how
we're
moving
forward.
You
know
we
all
know.
I
The
purpose
of
this
study
is
for
low
to
moderate
income,
but
again
we're
starting
with
you
know,
Anonymous
developers,
who
may
actually
be
inadvertently
contributing
to
the
systemic
systemic
nature
of
the
problem
that
we're
trying
to
solve,
and
so
I
just
think
you
know
for
for
Equity.
If
we're
really
going
after
it,
you
know,
perhaps
we
should
have
started
with
those
that
need
the
help
the
most
starting
with
them.
I
First
use
the
comments
and
feedback
from
that
Roundtable
to
then
guide
the
discussion
instead
of
you
know,
starting
with
the
developers
just
my
my
thoughts
thanks
foreign.
A
Yeah
so
I
think
we
are
running
a
little
bit
short
on
time,
so
I
did
want
to,
and
thank
you
for
your
comments.
Mike
I
think
we'll
definitely
have
to
go
back
and
make
sure
to
make
sure
that
we're
incorporating
some
of
this
feedback
into
our
Outreach
plans
that,
for
our.
C
A
Really
quick
with
them
I
want
to
make
sure
we
have
enough
time
for
the
sort
of
main
topic
of
conversation,
so
I'm
going
to
try
to
do
this
really
quickly
if
you'll.
So,
if
you'll
bear
with
me,
I
want
to
talk
about
what
we're
planning
to
do
over
the
summer
as
far
as
engaging
in
the
public
on
developing
vision
and
goals
for
ship,
so
Elise.
A
If
you
go
to
the
next,
if
for
two
slides
I'm
going
to
talk
to
you
a
little
bit
about
sort
of
where
we
are
in
the
process,
the
next
slide
yep.
This
is
our
public
engagement
timeline
and
it
gives
just
a
snapshot
of
what
we're
planning
to
do
over
the
next
couple
of
months
as
to
engaging
the
public
and
developing
vision
and
goals.
Who
are
the
next
slide?
A
Elise
and
I
want
to
talk
to
you
very,
and
this
is
on
the
website
too,
and
I'll
send
the
link
and
everything
after
the
meeting.
A
So
the
first
step
in
the
process
is
going
to
be
establishing
a
vision
and
we
want
a
solicit,
Community
input,
input
on
this
and
we're
gonna
start
out
in
as
a
two.
In
a
twofold
approach,
and
first
we're
going
to
be
creating
an
online
feedback
tool
for
as
an
opportunity
for
the
community
to
submit
ideas
about
what
a
more
Equitable
ownership
Market
look
like
in
the
future.
We're
hoping
to
release
this
in
June
we're
going
to
mirror
this
process
pretty.
A
Similarly
to
a
virtual
community
meeting
that
we
want
to
hold
at
the
end
of
June
we're
going
to
be
asking
the
same
questions.
A
A
A
So
we'll
talk
through
the
vision,
statement
and
kind
of
break
out
into
small
groups
to
kind
of
start
really
talking
about
what
the
goals
of
our
program
be,
and
that's
right
now
planned
for
July
and
we'll
be
sending
out
more
information
with
the
the
group.
Once
we
have
more
figured
out,
but
there
will
be
opportunities.
A
For
active
role
in
helping
to
develop
next
slide,
Elise
and
after
this
following
this,
we
want
to
regroup
with
the
community
in
a
larger
public
community
meeting
towards
the
end
of
July
to
start
developing
objectives
and
strategies
achieve
Arlington's,
homeownership
vision
and
goals.
A
Once
we
have
conducted
this
meeting,
we'll
kind
of
take
that
information
and
run
with
developing
the
program
recommendations.
If
you
go
to
the
next
slide,
Elise
in
coordination
with
the
Consultants
who
are
working
on
this
project
and
again,
these
are
just
some
of
the
key
elements
of
what
we
want.
The
program
recommendations
to
focus
on.
How
can
they
be
targeted
to
certain
groups
what
they
were
trying
to
invest
ability.
F
A
We
also
plan
to
check
back
in
when
well.
Actually,
if
you
go
back
on
Facebook,
you
want
to
check
back
in
with
other
stakeholders,
once
we've
established
these
Division
and
goals
to
ensure
that
we're
engaging
a
broader,
broad
range
of
individuals
and
make
sure
that
they're.
A
As
far
as
the
subcommittee's
involvement
in
the
process,
we're
again
hoping
that
subcommittee
members
will
be
involved
in
the
execution
of
these
meetings.
We'll
have
some
opportunities
for
small
group.
Moderators
note-takers
make
sure
that
you're
staying
engaged
throughout
the
process.
A
We're
also
going
to
be
asking
folks
to
share
information
with
their
networks
to
again
encourage
folks
to
participate
in
the
process,
but
also
make
sure
that
people
are
informed
of
what's
Happening
and
I
should
be
sending
we'll
be
sending
some
information
to
subcommittee
members
in
the
next
couple
days
to
a
week
to
ask
for
volunteers
to
sign
up
for
to
help
with
somebody.
A
Wanted
to
just
make
you
covered
that
since
Outreach.
What
had
been
a
topic
and
if
there
are
any
questions,
feel
free
to
raise
your
hand
or.
J
L
Marlene,
if
I'm
like
this
is
Brian
hi,
everyone
I've
just
been
listening.
I
think
what
will
be
important
is,
as
we
do
these
Pub
this
public,
the
online
engagement
and
the
public,
meaning
that
everyone,
you
know
Julia's
and
JD
and
I-
think
it
was
Mike
and
others
and
Marlene
all
of
your
networks,
like
the
more
the
better,
the
more
diverse,
the
better
in
that
virtual
and
online
that
front
that
next
front
piece
and
then
getting
all
those
folks
in
the
room
with
us,
so
not
waiting
but
being
part
of
the
process
across.
L
E
Thanks
Brian
I
just
want
to.
We
have
large
Networks
right,
but
I
also
think
we
talk
about
effective
communication
in
the
county
side
outside
of
typical
email
right.
All
of
us
get
water
bills,
tax
notifications,
whatever
I
I,
think
would
it
be.
D
E
Us
as
a
county
to
invest
in
hard
copy
type
correspondence
that
can
go
to
our
citizenry
and
you
may
be
surprised
right
how
many
people
actually
reply.
I
know
you
I
noticed:
there's
a
lot
of
costs
incurred
with
that
digital
seems
to
be
more
cost
effective,
but
I
would
actually
look
at
some
of
these
folks
because
we
have
a
digital
divide
here
in
Arlington,
aren't
on
the
email
or
looking
at
even
you
know,
channel
40
the
TV,
the
the
government
channel.
So
we
got
to
meet
people
where
they
are
to
the
extent
possible.
E
We've
got
to
be
able
to
measure
the
effectiveness
of
that
make
sure
we're
we're
doing
that,
because
activists
like
myself
and
others
I
mean
this
is
part-time
for
us.
We
don't
get
paid
to
do
this
communication
right,
but
but
thank
you,
Brian
I
just
wanted
to
lift
up
and
let
you
know
my
thoughts
on
that.
Okay,
yeah.
L
Where
people
get
their
their
information
and
where
their
trust
is,
is
in
the
other
people
they
know
that
are
doing
it.
So,
even
if
we
send
postcards
or
letters
the
if
they
see
it
in
their
Church
newsletter
or
if
they
see
it
in
their
condo
newsletter
or
they
see
it
in
their
on
their
flyer
on
their
in
their
apartment
building
or
they
get
it
from.
L
You
know
a
friend
or
an
organization
they're
already
connected
to
they're
more
likely
to
participate
than
if
their
government
asks
them
and
we've
seen
that
success
over
and
over,
but
I,
but
we,
but
all
of
it.
It's
an
and
so
thank
you.
You're
welcome.
A
Great,
thank
you.
Alice
did
you
have
a
question.
G
Good
morning,
thank
you
for
all
the
work
you
all
are
doing.
It's
really
great
I
guess
I
was
going
to
say
something
similar
to
bryna.
You
know,
especially
when
I
heard
the
first
online
feedback
tool.
You
know,
how
can
you
get
folks
to
go
online
and
do
that?
You
know
exactly
what
we're
talking
about
the
digital
divide
and
so
I'm
curious.
You
know
not
to
list
it
off
today,
but
what
are
the
groups
of
folks
that
we
are
really
going
to
approach?
G
You
know
to
get
them
to
talk
to
their
people
really
getting
into
those
networks
and
helping
people
fill
that
out
or
either
coming
to
one
of
these
events
when
we
we
need
to
get
beyond
the
certain
group
that
come
and
really
get
into
the
folks
that
aren't,
as
participatory,
don't
know
the
process.
You
know
they're
facing
the
same
challenges
and
barriers
that
Elise
was
listing
earlier
in
the
meeting.
A
That's
those
are
great
points
we
put
together
a
sort
of
a
breakdown
of
the
organizations
that
we
want
to
be
reaching
out
to,
and
we
can
certainly
share
more
information
with
the
subcommittee
I
do
want
to
make
sure
that
we
move
to
the
next
item.
So
if
you
don't
mind,
if
I
can
share
that
with
you
via
email.
L
G
J
L
J
G
A
I
Yeah,
thanks
for
one
I,
think
we're
really
rushing
through
this.
You
know
and
I
think
about
the
final
product.
I
That's
going
to
come
out
of
this
and
like
how
we're
really
moving
through
it
I
think
we
really
should
be
going
after
quality
over
quantity
and
I
know
we
have
a
hard
stop
and
I
want
to
respect
folks
time,
but
I
also
want
to
make
sure
that
we
are
give
the
community
a
really
thoughtful
final
product,
and
so
the
thing
I
was
going
to
say
was:
you
know,
there's
a
lot
of
other
organizations
that
we
can
reach
out
to.
D
I
He
touched
on
some
of
the
points
that
I
want
to
talk
about,
but
I
think
we
need
like
a
specific
Outreach
plan,
so
Brian
I
like
where
you're
going
I'm
happy
to
contribute
to
that.
But
it's
like
on
this
day
we're
going
to
take
this
action,
we're
going
to
engage
with
this
community
to
prepare
them.
For
you
know
the
meeting
on
this
date
and
then
the
last
thing
I'll
say
is
I
want
to
encourage
us
to
use
different
facilities.
I
You
know
in
South,
Southwest
Arlington,
maybe
bar
Croft
or
Arlington
Mill
or
Walter
Reed
I
think
those
are
the
communities
that
we
need
to
hear
the
most
from
and
that's
it's
an
easy
way
to
kind
of
meet
them
where
they're
at
thanks.
So
much.
J
J
Sometimes
we
pick
and
choose
which
initiatives
we
want
to
do
that
broader
Outreach,
too,
with
mailers
and
which
ones
we
don't,
and
the
fact
that
we've
kind
of
invite
only
our
entire
Roundtable
thing
like
I,
know
a
lot
of
prospective
home
buyers
and
I
didn't
even
know
that
when
that
was
happening
so
like
we
could
have
shared
that
opportunity,
for
example,
and
so
the
the
more
that
we
can
get
people
that
aren't
traditionally
involved
in
this,
the
better
I
wish
we
would
have
known
more
about
the
roundtables
and
when
those
were
happening,
but
if
we
can
get
it
Beyond,
just
like
Civ
fed
and
like
the
nwcp
is
really
but
like.
J
We
are
all
I
see
all
of
the
same
people
all
the
time
and
if
we're
trying
to
do
that,
then
like
we
should
I
think
do
some
more
Outreach
I
know:
Brianna.
You
have
a
list
of
condo
and
apartment
buildings,
maybe
just
putting
a
flyer
outside
of
some
of
our
major
commercial
centers
in
in
each
one
of
our
Metro
areas
in
a
highly
visible
space.
Maybe
that
would
also
help
but
I
want
I
want
to
focus
on
trying
to
get
those
harder
to
reach
people
too.
J
A
Okay,
so
I
think
it
probably
makes
sense
to
move
on
to
the
next
agenda
item
and
I'm,
going
to
turn
it
over
to
Russell
to
walk
us
through
this
next
section.
D
A
K
Thank
you
Caitlin.
Can
everybody
hear
me
good
just
want
to
make
sure
before
I
start
I
don't
want
to
get
halfway
through
on
mute
So
today
we're
going
to
take
some
time
to
begin
to
collectively
address
the
core
questions
that
Arlington
County
has
been
using
to
guide
our
understanding
of
racial
Equity
as
a
report,
as
it
relates
to
a
broad
range
of
issues.
Obviously,
in
our
case,
this
is
home
ownership.
K
Our
goal
is
to
use
this
information
to
craft
policy
and
program
recommendations
that
will
help
achieve
more
Equitable
outcomes
in
our
community.
The
employing
and
racial
Equity
lends
to
home
ownership
is
essential
to
the
study,
as
we've
looked
at
the
Home
Ownership
environment
through
the
barriers
analysis
and
our
program
outcomes,
we've
presented
a
wide
array
of
information
already
that
we
hope
will
help
to
inform.
That's
the
this
this
our
use
of
of
that
tool.
K
One
moment
here
have
shoes.
Okay,
so
on
the
onset,
the
homeownership
studies
highlighted
racial
Equity
as
a.
K
The
study
scope
really
established
the
goal
for
the
study,
which
is
to
develop
home
ownership
program,
recommendations
that
better
meet
the
vision
and
goals
of
our
community
and
that
and
the
second
one
I
think
here
is
key.
The
create
Better,
Home
Ownership
outcomes
for
people
of
color
and
other
underserved
populations
and
to
increase
available
resources
for
existing
homeowners.
K
Next
slide,
yeah
and
subcommittee
itself
in
its
first
meeting,
suggested
changes
to
the
bylaws
to
more
purposefully
Center
our
discussion
around
racial
Equity,
stating
that
it
is
the
subcommittee's
role
to
offer
a
diverse
perspective
and
guidance
to
staff
through
the
application
of
racial
Equity
lens
to
ensure
that
racial
Equity
is
being
considered
and
that
the
homeowner
should
study
furthers
the
county-wide
priority
to
eliminate,
reduce
and
prevent
disparities
and
so
I.
You
know
this
committee
is
certainly
has
been
a
strong
supporter
of
using
this
tool.
K
So
before
we
get
into
the
tool
itself
and
and
hear
from
you
all,
this
is
really
an
opportunity
to
hear
from
you
some
founding,
so
we
share
the
same
kind
of
where
we're
starting
from
there's.
K
What
is
equity,
there's
many
ways
of
defining
equity
and,
if
I
ask
each
of
you
to
Define
it
I'm
sure
I'd
get
each
person
would
have
an
individual
definition
with
their
own
nuances,
but
to
help
center.
Our
discussion
today,
the.
K
Been
using
now,
hopefully,
we
can
share,
and
this
process
so
first
Equity
is
that
all
populations
have
access
to
community
conditions
and
opportunities
needed
to
reach
their
full
potential
and
to
experience
optimal
well-being.
K
Furthermore,
that
your
status
as
being
a
person
of
color,
a
woman
or
immigrant
or
refugee
non-heteronormative
differently,
abled
or
one's
area
of
residents.
These
should
not
be
predictors
of
adverse
life
outcomes
and,
more
specifically,
when
we
speak
of
racial
Equity,
more
we
mean
is
eliminating
race-based
outcome
gaps,
so
that
race
does
not
predict
one's
success,
while
also
improving
outcomes
for
all
and
so
to
close
those
gaps.
We
target
improvements
to
those
most
burdened
and
move
beyond
the
provisions
of
services
to
transforming
policies,
institutions
and
structures.
K
K
This
framework
to
guide
the
discussion,
it
has
asked
us
to
constantly
five
questions
who
benefits
who
is
burdened?
Who
is
missing?
How
do
we
know?
And
lastly,
what
do
we
do
about
it?
So
today's
social
discussion
will
focus
primarily
on
the
first
four
questions,
but
don't
worry.
The
whole
study
itself
is
really
need
to
add
using
final
recommendations
that
really
answer
that
fifth
one.
K
What
do
we
do,
which
is
probably
the
most
important
question
and
one
a
little
bit
more
information
before
we
get
going
because
the
lens
is
Broad,
you
know
what
are
we
considering
next
slide?
Please.
K
So
what
are
we
considering
as
we
apply
the
racial
Equity
lands,
we're
looking
at
the
homeownership
environment,
so
the
ownership
component
of
the
housing
market
that
includes
all
of
its
sub-components
and
we're
using
this
broad
Focus,
because
the
goal
of
our
home
ownership
study
is
to
develop
program
recommendations
and
we
really
want
to
be
able
to
tailor
those
recommendations
to
identify
areas
of
need
so
to
create
better
homeless
outcomes
for
people
of
color
and
other
underserved
populations.
K
In
other
words,
the
program
recommendations
at
the
end
of
our
process
should
be
related
to
the
equity
analysis
and
designed
to
improve
those
outcomes.
So
as
we
go
through
this
analysis,
there
may
be
summaries
that
are
beyond
the
county.
We
need
to
really
influence,
but
that's
okay,
I,
don't
hesitate
to
add
anything.
You
might
so
as
we're
gonna
open
it
up
to
everyone
here
to
provide
their
input
and
at
least
it's
going
to
help
us
with
with
some
some
note-taking
and
as
we
go
through
this,
so
the.
F
K
Thank
you
is
that
better,
yes,
okay
anyways,
you
don't
need
to
see
my
face
anymore,
so
so
so
yeah
we'll
be
asking.
How
do
we?
How
do
we
know
at
the
same
time?
So
if
the
supporting
information
that
we
can
point
to
as
we
identify
who
benefits
and
then
to
also
kind
of
call
out
what
what
are
those
benefits?
K
How
are
those
benefits
manifested,
and
so
with
that
I'd
like
to
open
it
up
and
and
does
anybody
have
who
would
like
to
start
this
off
I
mean
when
we
think
of
who
benefits
from
the
current
home
ownership
environment?
H
D
B
Or
family
members
are
able
to
access
some
ownership
before
local
housing
market
really
really
exploded.
Some
people
who
are
on
the
carousel
from
the
beginning,
rather
than
having
to
jump
on
well,
it's
spending
faster
and.
F
E
B
Mortgage
but
also
provided
down
payment,
so
you
know
that
obviously
they
intersect.
The
wealth
of
Peace
in
both
are
both
are
connected
to
the
racial
Equity
conversation,
various
income,
but
the
well
conversation
particular
particular
housing
market.
We're
looking
at
this
sort
of
racial
Equity
lens
and
we're
talking
about
who,
who
was
able
to
you
know,
be
able
to
who
were
the
home
people
that
had
access
to
home
ownership
earlier
in
the
County's.
B
Able
to
have
that
in
their
generational
wealth
passed
on
and
who
was
locked
out
from
that
I.
Think
of
all
the
discuss
this
you
know
we've
discussed
this.
You
know
a
couple
times
on
the
course
of
this
study,
but
it's
you
know
the
history
of
redlining
and
race-based
discrimination
in
the
housing
market
that
we're
still
seeing
the
reverberations.
F
And
one
other
thing
since
I
deal
with
it
on
a
daily
basis,
we're
having
an
easier
time
with
the
people
that
are
salary
employees.
The
hourly
employee
person
is
much
more
difficult
to
get
into
a
mortgage.
They
have
variable
income,
sometimes
two
in
three
different
jobs
and
it
becomes
a
challenge
to
get
a
mortgage
and
show
consistent,
steady
pay,
which
is
when
we.
L
Hi
this
is
Brianna.
Can
I
ask
a
question
about
the
question.
It
says
who
benefits
from
the
homeownership,
but
is
part
of
the
question
also
who
who
benefits
from
the
homeownership
program.
F
K
Really,
you
know
our
programs,
we,
yes,
we
have
done
some
some
analysis
on
that
and
we
will.
You
know
as
we
do.
This
provide
an
analysis
on
that,
but
we
want
to
address
the
homeownership
market,
who's
left
out
of
of
that
and
and
okay
who's,
currently
benefiting
from
that.
But
thanks
it's
a
good
question.
It's
a
good
point
of
clarification
because
yeah
go
multiple
ways:
I
see,
Alice
Hogan
had
her
hand
raised.
G
Thanks
Russell
I
was
thinking
about
folks
who
may
have
role
models
who
have
already
been
in
the
ownership
Market
or
who
have
a
trusted
person
in
their
life.
That
has
socialized
them
to
this
process,
and
you
know
if
you,
if
it's
all
mysterious
to
you
and
you
don't-
have
people
around
you
who
have
done
these
things,
it's
just
one
more
barrier.
Thank
you.
K
Anyone
else
joining
us
virtually.
H
I'll
add
one
more
thing:
some
of
the
more
recent
people
that
I
have
worked
with
are
living
at
home
and
saving
saving
for
that
down
payment
and
closing
costs
by
living,
bread
free
for
a
couple
years
when
they've
completed
their
education,
so
living
with
family
and
friends
living
with
family
and
friends,
and
not
having
any
housing
costs
right
now,
so
they're
paying
off
their
debt
and
they're
saving
money.
C
I
think
Alice
made
a
really
good
point
in
terms
of
people
that
have
the
resources
of
you
know
having
been
socialized
in
this
way
and
having
been
separated
through
home
ownership,
with
the
homeownership
process
in
the
early
years
and
at
least
started
to
think
about
it,
because
what
we
find
is
oftentimes.
You
know
when
people
are
the
first
in
their
family
to
purchase
a
home.
C
It
is
really
really
difficult
to
know
what
questions
to
ask
to
know
what
you
don't
know
and
really
to
feel
comfortable
and
grapple
with
the
financial
Necessities
associated
with
home
ownership.
Knowing
that
you
are
it,
you
know,
you
may
not
have
family
as
a
network
to
fall
back
on.
So
when
you
see
those
condo
fees
and
think
about
those
maintenance
costs,
it
can
really
be
a
mental
challenge
because
you
don't
really
have
a
role
model
to
to
go
to
and.
M
Yeah,
thank
you,
I
think
it's.
My
comments
are
all
along
the
same
line
and
just
wanted
to
note.
You
know
just
people
who
have
credit,
you
know
good
credit
or
any
credit,
there's
a
lot
of
people
who
don't
have
that,
and
it
just
goes
back
to
all
the
other
remarks
that
people
were
making
of
just
probably
understanding
the
credit
market
and
how
that
influences
your
ability
to
purchase
a
home.
D
B
Normative
Financial
structure,
if
you
look
at
yeah
I,
did
some
work
in
Minneapolis,
where
there's
a
large
East,
African
Community,
and
instead
of
using
technical
mortgage
products
because
of
some
cultural
differences,
beliefs
and
a
large
Muslim
population
that
has
restrictions
on.
F
B
K
Anyone
else
on
this
question
I
think
these
are
all
a
good
work
and
I
know.
We
said
we
were
going
to
try
and
tie
this
to
the
question.
How
do
we
know
and
I'm
going
to
take
that
on
is
some
homework
I?
K
Think
much
of
the
things
raised
today,
I
know:
I've,
read
plenty
of
research
that
kind
of
supports
and
backs
that
up
so
I'll
try
and
tie
that
to
to
that
as
we
as
we
write
up
these,
these
notes
and
findings,
so
so
I
appreciate
that
anyone
else
on
on
who
benefits
and
maybe
some
thoughts
on
on
what
those
benefits
look
like.
K
G
I
could
just
say
you
know
cash
on
hand,
I,
don't
as
a
personally
understand
where
that
is
coming
from,
but
people
you
know
I,
guess,
developers
or
who
are
purchasing
cash
in
hand.
So
you
know
you
how
can
a
regular
homeowner
or
home
purchaser
you
know,
compete
with
actual
cash,
no
debt
purchase,
so
I
don't
know
who
that
is,
but
I
know
that's
happening.
So
that's
another,
you
know
and
of
course
in
in
our
environment.
G
Here,
just
in
terms
of
inventory,
of
course
we
have
tear
down
so
people
coming
in
or
or
you
know,
Builders
coming
in
able
to
buy
the
house
and
with
the
you
know,
knowing
they're
going
to
make
a
half
a
million
dollars
on
the
new
product
that'll
be
on
that
spot.
You
know
someone
trying
to
come
in
as
a
first-time
homebuyer
could
never
compete
with.
That
kind
of
you
know
those
resources.
K
All
right
well,
so
we
move
on
to
the
the
next
question,
which
is
who's
burdened
and
and
burden
might
might
seem
like
a
A
peculiar
way
to
think
about
this,
but
but
given
the
current
ecosystem
or
environment
for
home
home
ownership,
what
what
what
kind
of
burdens
are
created
and
who
Bears
those
burdens.
E
B
Don't
have
well
don't
have
higher
incomes,
don't
have
that
his
family
support
history
of
hidden
family
history
of
home
ownership
from
both
you
know,
passing
down
assets
and
also
also
passing
down
knowledge
perspective.
B
H
And
also
with
Richard's
comment
earlier
on,
people
that
have
large
student
loan
payments,
even
though
those
student
loan
payments
have
been
on
pause
now
for
several.
M
H
H
F
Thought
on
it
was
not
a
change
subject.
Is
it
turns
the
people
that
don't
need
to
commute
into
commuters
because
they
have
to
force
them
out
so
city
employees?
F
They
would
love
to
live
in
this
County
excuse
me,
but
they
may
have
to
move
out
to
the
country
because
of
their
income,
so
they
become
commuters
and
they're,
not
as
accessible
so
they're
affected.
They
have
to
stay
to
work
here.
They
become
commuters,
which
is
burdening
them.
B
Obviously,
people
that
have
cost
burdens
now
housing
costs
are
great.
You
know,
if
you
are
too
much
more
than
you
can
afford,
can
sustainably
afford
for
rent
or
have
other
precarious,
looking
situations
right
now
that
'd
be
harder
to
to
get
to
that
point.
Where
you
can
enter,
can
you
contemplate
and
join
the
ownership?
B
So
this
is
all
interconnected
or
our
tight
rental
market
exacerbates
our
home
ownership
challenges.
J
So
he
was
gonna
say
a
version
of
that
which
is
that
all
renters,
essentially
now
in
our
home
ownership
Market,
are
paying
more
than
allows
them
to
save
for
the
down
payment
for
existing
housing
stock
in
the
county.
So
essentially
anyone
that
didn't
get
into
the
housing
market
before
2017
when
interest
rates
were
still
low.
K
Thank
you,
Alice.
G
In
terms
of
burdens,
I
was
thinking
about
seniors,
even
who
are
homeowners
without,
like
we
talked
about
earlier.
You
know
housing,
stock,
smaller
and
accessible
for
folks
to
trans
transition
into
there's
nowhere
for
folks
to
leave
the
bigger
home
and
go
to
something
smaller
and
you
know
adapted
to
their
needs
that
doesn't
cost
the
same
or
more
than
what
they're
making
doing
now
you
know
and
then
you'd
add
a
condo
fee,
or
you
know
health
care,
or
you
know
Assisted
Living
cost
to
that.
G
So
you
have
people
trapped
in
their
specific
financial
situation
when
their
physical
needs
are
are
changing.
So
that's
a
population.
We
want
to
keep
a
tab
on
as
well,
and
then
there
was
one
other,
but
now
I'm
forgetting
who
it
was
I'll
come
back
if
I
can
think
of
it.
H
I
would
also
mention
people
with
disabilities
are
very
burden
purchase
because
of
our
housing
stock
and
also,
of
course,
because
of
the
price,
because
they're
some
of
these
folks
are
on
fixing
things
or
on
the
low,
very
low
end
of
the
income
Spectrum.
So
they
are
definitely
burdened
ownership.
G
K
G
Did
thank
you.
I
was
thinking
about
condos,
just
as
a
whole
organization
that
you
know
if,
where
condo
fees
are
so
high
and
I,
don't
know
this.
It's
more
of
a
question
are
older
condos
having
trouble
selling
their
own
units
because
people
don't
want
to
get
into
or
can't
afford
to
get
into.
You
know
a
mortgage
plus
a
high
condo
fee
scenario
that
they
can't
afford.
So,
if
you
know
the
the
older
and
more
run
down
these
buildings
become,
they
are
going
to
be
a
burden
to
those
who
currently
own
them
as
well.
K
That's
an
interesting
point:
yeah
the
resale
prospects,
it's
kind
of
a
different
angle
on
home
ownership,
the
the
ability
to
to
sell
once
you
when
you're
at
that
point.
It's
part
of
that
continuum,
we'll
move
on
to
the
next
question
and
I
think
there's
a
lot
of
overlap
with
with
what
we
talked
about
here
with
who's
burdened
and
I.
Think
part
of
that's
the
nature
of
this
particular
issue
of
home
ownership,
but
but
who's
missing.
K
But
as
we
talk
about
who's
missing
and
I,
we
spoke
about
this
much
earlier
in
the
meeting.
I
think
we
had
a
several
several
comments
on
on
who's
missing
from
our
current
process.
So
I
think
you
know.
As
we
talk
about
who's
missing
like
under
whose
burden
do
we
talked
quite
a
bit
about
folks
kind
of
aren't
able
to
access
homeownership
as
as
who's
burdened,
but
they're,
also,
who's
missing,
so
I
think
a
lot
of
those
those
kind
of
bleed
over
into
this,
but
there's
also
the
question
I.
K
Think
of
who's
missing
from
our
current
this
process
in
this
study,
so
I
think
about
those
in
both
ways.
H
F
F
B
Clouds,
that's
in
the
community
in
Arlington,
so
that
that's
something
that
I
think
we
had
you
know
and
to
our
areas
of
focus,
trying
to
reach
out
to
business.
K
I
think
we
can.
We
can
take
some
of
the
comments
from
earlier
this
meeting,
also
to
kind
of
help
us
with
this,
because
there
was
certainly.
K
Comments
about
our
Outreach
efforts
and
and
how
to
expand
those
to
include
persons
whose
voices
might
not
have
been
in
the
initial
roundtables.
B
K
B
Now,
but
in
the
the
African-American
Community,
but
historically
victims
of
redlining,
so
you
know
they're
missing
from
over
disproportionately
missing
home
ownership.
B
Now
so
can't
go
without
a
saying,
but
I
will
say
one
addition
to
an
additional
group
that
may
have
been
raised,
but
would
have
like
specifically,
is
the
Immigrant
community
and
the
various
immigrant
communities,
because
there's
a
lot
of
differences
within
different
immigrant
groups
again
getting
to
some
of
those
cultural
differences
around
Finance
networks,
family
and
social
supports
like
looking
specifically
at
some
of
those
different
networks
and
how
we
can
engage
and
create
programs
and
policies
that
work
in
different
contexts
again.
C
Of
the
things
that
we
are
seeing
that
would
probably
fit
into
the
who's
burdened
and
who's
missing
is
larger
families.
So
you
know
husband,
wife
or.
F
C
H
B
And
just
continuing
on
a
theme
of
larger
families
exporting
families
elsewhere,
multi-generational
households.
H
K
Good
Phil
did
you
have
something
to
say.
M
Yeah,
just
along
the
same
lines,
I
think
we
have
to
acknowledge
that
lower.
You
know
income
buyers
and
at
lower
price
points
you
know.
They're
the
market
isn't
set
up,
I
mean
we're
so
lucky
to
have
you
know:
habitat
and
ledc
and
other
kind
of
mission-driven
Partners,
but
for
loan
officers
and
and
some
Realtors
they're
not
making
as
much
money
on
selling.
You
know
working
with
these
buyers,
there's
a
lot
more
work
involved
and
for
not
a
lot
of
additional
income
for
a
lot
of
the
partners.
M
K
All
right,
then,
I
think
this
has
been
great
and
I
want
to
remind
people
that
you
know
these
questions
are
are
questions
that
we
should
be
continually
asking
ourselves
as
as
we
go
through
the
study
wanna,
if
we
can
go
to
the
the
last
slide,
but
the
the
last
question
is:
is
you
know
what
what
do
we
do?
K
So
we're
not
going
to
get
to
that
today,
obviously
that
the
purpose
of
this
study
is
to
develop
recommendations
and,
and
thinking
about
these
questions
about
who's,
benefiting
who's
burdened
and
who's
missing.
We
want
to
tailor
recommendations
to
better
reach
those
people
who
are
burdened
and
missing.
So
that
is
something
that
you
know
through
the
rest
of
this
study.
K
As
we're
thinking
about
recommendations,
we
want
to
think
about
how
they
might
specifically
help
to
create
better
outcomes
for
those
who
are
burdened
and
missing,
so
we're
not
going
to
get
to
that
question
today.
That's
that's
a
question
that
we're
going
to
answer
over
the
next
several
months
of
of
this
process,
but
thank
you
and
I
appreciate
all
your
input
today
and
again
we're
going
to
have
to
to
work
with
this
and
come
back
with
with
some
some.
K
A
And
I
think
thank
you.
So
much
also
I
think
this
is
a
really
interesting.
As
Russell
said
you
know
our
next
steps
are.
We
will
be
pulling
this
information
together
into
a
summary
and
we
will
definitely
share
it
with
the
group
we're
again
going
to
be
starting
our
visioning
process
in
the
next
few
weeks.
So
please
look
out
for
more
information.
A
There,
we'll
also
be
sharing
a
round
table
summary
report
soon
that
goes
or
go
goes
over
a
lot
of
the
same
information
that
Elise
reported
on
earlier
in
the
meeting
and
just
again
look
out
for
more
information
about
how
you
process
and
how
you
can
share
more
information
with
your
networks.
A
You
know
I
think
we
want
to
do
a
good
job
of
sort
of
getting
the
word
out
there
and
it's
really
going
to
depend
on
both
our
efforts,
but
also
help
from
the
subcommittee
to
make
sure
that
happens
with.
That
being
said,
I
think
thank
you
for
attending.
Yes,
thank
you.
A
We
are
right
on
time,
yeah
and
again,
look
out
for
more
information
soon
and
thanks
everyone
for
being
part
of
the
process.
Today,.