5 Rules Every Aspiring African-American Landlord Should Know

Ever since I bought an investment property and became a landlord years ago, I’ve heard a number of horror stories from other Black landlords. Much of this gets back to the unique (in a bad way) business terrain that exists for African-American business owners. As I explained in great detail in the post, If You’re A Black Business Owner Who Wants To Succeed, Leave The African-American Consumer Behind, Black business owners create unnecessary, extra hurdles for themselves when they orient their business to servicing African-American consumers. It’s usually best to not deal with African-American consumers at all if your business is visibly Black-owned. As opposed to what I call a “colorless” business; meaning one that can maintain the illusion of assumed White ownership.

From my point of view, here’s a quick post-mortem on the horror stories I’ve heard from other Black landlords.

RULE #1: DON’T BUY A RENTAL PROPERTY IN A BLACK RESIDENTIAL AREA UNLESS YOU’RE PREPARED TO HIDE THE FACT THAT IT’S BLACK-OWNED

If you buy in a Black area, you’ll need a White man to pretend to be the owner and property manager. If you, as a Black owner, live on the property it’s imperative that you pretend to be just another tenant. If the tenants are directing their service phone calls and requests about repairs to you, tell them that you’re handling the service calls for the (fake White male building owner) in exchange for a discount on your rent. As with everything else, African-American tenants act crazier with Black landlords than they do with White ones.

RULE #2: PICK A BUILDING YOU CAN AFFORD TO OWN WITHOUT TENANTS

Don’t buy a building unless you can safely pay the mortgage and related costs without tenants. Sometimes, this means buying a building in a less expensive area. Sometimes this means buying a building in order to live in one of the units.

If you’re at the point of making the transition from renting to owning your own home, consider the following. You can buy a single-family home that does very little except take money out of your pocket. Or you can buy a two- or three-flat building that puts other people’s money into your pocket while you live in one of the units. It’s interesting. African-Americans are culturally so focused on convincing ourselves that various things are “unrealistic” that we fail to notice the droves of other people around us who are doing all these “unrealistic” things. Choosing an owner-occupied building as their starter home is how many uneducated ethnic Whites from previous generations got ahead.

Whatever you do, don’t buy a building that you that you can’t keep without paying tenants. That makes you desperate and less likely to properly screen prospective tenants. It also puts you in a position where tenants have far too much leverage over you.

RULE #3: DON’T CO-OWN RENTAL PROPERTY WITH ANYBODY WHO’S NOT ON THE EXACT SAME PAGE WITH YOU ABOUT HANDLING PROBLEM TENANTS

How you intend to handle problem tenants needs to be thoroughly discussed before buying anything together.

RULE #4: EVICT PROBLEM TENANTS AS SOON AS HUMANLY POSSIBLE

A tenant who ignores one part of the lease agreement will go on to violate other parts of the lease agreement. It’s just a matter of time. The other thing is that when you let one tenant ignore the lease agreement, that sends the signal to the other tenants that you’ll tolerate them ignoring the lease agreement.

RULE 5: MAKE SURE THE LEASE PROHIBITS TENANTS FROM MOVING UNAUTHORIZED PERSONS INTO THEIR UNITS

One of many unfortunate realities about Black renters is that the typical African-American woman renter is planning on moving her (often no-working or criminally-inclined) Black male baby daddy or boyfriend into the apartment after the lease is signed. This deranged overall behavior pattern of Black women letting Black males mooch off of them is manifesting at younger and younger ages. A while back a reader mentioned that this behavior pattern has extended to a number of African-American female college students. These silly African-American girls are actually moving (typically NON-student) African-American males into their dorm rooms! This behavior is one of several reasons why the racially “Black” college population in the US will soon consist solely of foreign-origin Blacks.

This sort of behavior, the Miss Chanequa Campbell and Miss Brittany Smith incident at Harvard (and other African-American student incidents that just haven’t been as publicized) all communicate the same message to college administrators: African-Americans are more trouble than they’re worth! It’s just too costly and too much of a hassle for most institutions to be bothered with most African-Americans. On any level.

Mark my words, as various nonblack institutions learn this, they’ll simply replace African-Americans with foreign Blacks who are more likely to act like they have some sense. As I documented during this post at the previous blog, this replacement process has already begun. Universities have a duty to maintain safety on their campuses, and in their university housing. And you can bet your bottom dollar that the typical African girl would never move some Negro male (or any other guy) into her dorm room!

It’s striking when you stop to think about how so many able-bodied, physically adult African-American males have never created their own nests, and have never had their names on a lease or a mortgage. They’ve been living all their lives in a series of women’s homes. They go from their baby mama’s home, to their auntie’s home, and back to their mother’s home. This is bizarre. Especially when you compare it to the typical behavior of men from other ethnic groups—who generally establish their own homes when they become adults. This pattern exists only because the masses of African-American women enable it to exist.

You need a provision in the lease that clearly lays out how long “guests” can remain in the units. If you rent to African-American women and you don’t want random Pookies and Ray-Rays camped out in your building, make sure the lease agreement prohibits that sort of thing.

The bottom line is that you’ll face certain disaster as a Black business owner if you fail to factor in the uniquely adverse business terrain that exists for us (and us alone).

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72 Responses to “5 Rules Every Aspiring African-American Landlord Should Know”

  1. Zoopath says:

    My parents do rental properties, my stepdad does Section 8 and my mom only rents to people with jobs. Let me tell you, the Section 8 has been a disaster, they wreck the houses and are far more trouble than the “guaranteed” rent is worth.

  2. Thank you for this awesome list.

    If I may add one more, it’s another aspect to Rule #5, or you could call it Rule #6.

    Ghost tenants: people who pretend they are going to rent the place, and use fake / real “clean names” when background checks are done. Their goal is to sublet your place to destructive, if not criminally inclined, people.

    Screening is very important. In today’s economy, desperate people are running some deep con artist schemes out there.

    Take care.

  3. Zoopath,

    Oh yeah, Section 8 tenants are BAD news. Usually not just for the landlord, but for the entire neighborhood.
    _____________________________________________

    BettyChambers,

    You’re welcome! Thanks for the tip about the “ghost tenants.” (or rather, bait and switch applicants). All of that sort of thing is why an owner has to keep an eye on what’s happening at their building.

    Expect Success!

  4. joyousnerd says:

    My husband and I own a 2-family property, and it is our first home. We can afford the mortgage without the rent but that money really does help take the edge off. It is a 1br cottage with a fenced in yard directly next door. We can see who comes and goes and I stay on top of that. I’m more stern than my husband, who is a big softie.

    We had a white couple with a seriously dysfunctional family before our current tenant, and they tried to move their addicted and out of control female family member in. I had alarm bells in my head because I could foresee this crazy chick bringing druggies or even johns into that cottage while my tenants were at work, and with my kids playing in the yard right there! No ma’am. I had to nip that in the bud.

    I told them that nobody could move in without being on the lease and passing a vigorous background check, and that their guest could only stay 2 weeks before she had to pass a comprehensive background check for employment AND criminal history. Well, they moved her out quickly because I put my foot down. If I’d let my husband handle it god only knows what could be happening in there right now.

    I got the idea of buying multi-family property from watching the Duggar family. They purchased a building kit and assembled it themselves to save labor expenses. Say what you will about their religion, but those people are on point about their finances. They have had commercial property and various businesses since a decade before TLC even knew they existed. I can still learn from them without co-signing all that they do.

    Anyway, we were renting at this point with money saved for our first home, and when I looked at the building kit website I saw a 4-unit apartment building kit. The idea hit me like a lightning bolt to live in one unit and rent out the other three. We could use the basement of the whole unit as our living space in addition to one of the apartment units. Then we could give each of our children a rental unit to manage as they grew older, and they would need to show us how they were saving/investing the rent money, how they handled repairs etc, until they graduated college and would receive the rental unit as a gift.

    {I include my thought process here because sometimes people ask me where I get the (crazy) ideas that I do, lol. }

    At some point I will be building that 4-unit building, and I will try to find an older woman on a fixed income to be my snoop. I may ask the priest to find someone suitable. I’ll offer her a discount on her rent in exchange for keeping her eyes peeled while I’m away and informing me about what goes on. I also plan to pop in unexpectedly.

    It is sad to say, but black tenants are a huge risk for any landlord. Even sweet elderly grannies bring their wild rebellious grandsons in when you aren’t looking. Then these kids commence to sell drugs, bring other DBRs around, rob people and god knows what else. Before you know it, the whole neighborhood is in the toilet.

    • Hodan says:

      quote: “Then we could give each of our children a rental unit to manage as they grew older, and they would need to show us how they were saving/investing the rent money, how they handled repairs etc, until they graduated college and would receive the rental unit as a gift.”

      Hodan: this has been a practice done by Arab and Asian communities for decades in the west. In fact that is how they managed to make profit via real estate and secure income for their off springs. I know 2 of my friends who’s family managed to do it and started with their grandparents. None of them had to pay for college or their 1st home.

      • joyousnerd says:

        It’s a very workable plan for transferring wealth through the family. Especially when children are brought up doing it, it’s second nature for them. Just like paying your utility bill every month, you collect rent every month!

        Neither of us comes from a tradition like that, though. My stepdad is a very successful entrepreneur who is helping me a bit with my muse right now, only because he saw me making moves on my own and wanted to offer support.

        Everyone else in my family and my husband’s family follows the “good jobs” or the not-so-good jobs path. That mess is for the birds! My motto is that “good job” is an oxymoron.

        When I see other groups of people handing business, I generally try to figure out what they know that I don’t know. For instance, wondering how the Duggars could afford all those children led me to the rental property idea.

        Khadija: You said you didn’t know who the Duggars were. They are a very large family with 20+ biological children whom they homeschool. Now they have a show on TLC, or maybe it’s Discovery. Before then, though, they were supporting at least 14 children without government aid, and the wife stays home. They are members of a conservative Christian sect called IBLP, Institute for Basic Life Principles. The group is a bit fringe, but they are financial wizards.

  5. joyousnerd says:

    I just wanted to explain the thought process behind why we chose the 2-unit instead of building the 4 unit.

    Just as we were about to start building, the financial collapse changed everything. The building loan we would need became next to impossible to get. Add to this the fact that we would need to either act as our own contractor and face the immense grief and aggravation associated with that, or pay an obscene amount to a contractor who could easily put us through the wringer financially.

    It was worth it to do this when prices for homes here in the northeast were through the roof. Then the financial collapse made the inventory of 2-family homes much much cheaper. This property would have cost us 100k more if we’d bought during the boom. We got an 8k tax credit for buying it, too.

    I guess my larger point here is that we didn’t give up our dream of the 4-plex so much as we just prepared ourselves to be in the catbird seat and then we adapted to the changing circumstances to our own benefit. Sometimes discretion is the better part of valor. To go ahead with the 4plex at that time would have cost us more money and hassle than it was worth.

    It seems that the best opportunities leap out at you when you are prepared and well positioned.

    • JoyousNerd,

      You said, “My husband and I own a 2-family property, and it is our first home. We can afford the mortgage without the rent but that money really does help take the edge off. It is a 1br cottage with a fenced in yard directly next door. We can see who comes and goes and I stay on top of that. I’m more stern than my husband, who is a big softie.”

      An owner must stay on top of what’s going on at their property. There’s no way around that.

      You said, “At some point I will be building that 4-unit building, and I will try to find an older woman on a fixed income to be my snoop. I may ask the priest to find someone suitable. I’ll offer her a discount on her rent in exchange for keeping her eyes peeled while I’m away and informing me about what goes on.”

      That’s an excellent tip. Many seniors looove to snoop. In this sort of situation, it would be for a very good cause. {smile}

      Thank goodness you quickly put your foot down about the tenant trying to move in a crazed relative. An owner can’t afford to be softhearted about any mess from some tenant. First, it leads to one’s building becoming a disaster area. Second, it’s not fair to the decent, normal tenants who want to live in peace.

      You said, “I got the idea of buying multi-family property from watching the Duggar family. They purchased a building kit and assembled it themselves to save labor expenses.

      . . . Anyway, we were renting at this point with money saved for our first home, and when I looked at the building kit website I saw a 4-unit apartment building kit. The idea hit me like a lightning bolt to live in one unit and rent out the other three. We could use the basement of the whole unit as our living space in addition to one of the apartment units. Then we could give each of our children a rental unit to manage as they grew older, and they would need to show us how they were saving/investing the rent money, how they handled repairs etc, until they graduated college and would receive the rental unit as a gift.”

      That’s an excellent way to train up one’s children! I’d love to see more of that with AA parents. This sort of thing is why non-AAs get ahead—their children aren’t starting from scratch. Their children grow up learning how to “do” with business.

      Incidentally, I have no idea who the Duggars are. [I’ll get around to finding out. LOL!]

      You said, “It is sad to say, but black tenants are a huge risk for any landlord. Even sweet elderly grannies bring their wild rebellious grandsons in when you aren’t looking. Then these kids commence to sell drugs, bring other DBRs around, rob people and god knows what else. Before you know it, the whole neighborhood is in the toilet.”

      The situation with most AA women is what it is. In addition to helping aspiring AA landlords, there’s another reason why I’m “pulling the cover back” on these considerations. I want the overall AA women reading audience to see yet another aspect of where our collective coddling of BM Pookies and Ray-Rays has gotten us.

      Basically, AA women have been identified as the conduits for all sorts of negativity. Many of us destroy previously decent residential areas by importing our favorite DBRBM. Other people aren’t stupid. They see how letting in the “typical” AA woman equals letting in Pookie and Ray-Ray. As we speak, avenues of escape into decent residential areas are becoming increasingly CLOSED to BW (as another reader points out later down in the comments).

      Eventually, those AA women who don’t escape Black residential areas right now (while the gettin’ is good), will be physically trapped in Rwanda-zones among a sea of their precious DBRBM Pookies and Ray-Rays.

      You said, “I guess my larger point here is that we didn’t give up our dream of the 4-plex so much as we just prepared ourselves to be in the catbird seat and then we adapted to the changing circumstances to our own benefit. Sometimes discretion is the better part of valor. To go ahead with the 4plex at that time would have cost us more money and hassle than it was worth.

      It seems that the best opportunities leap out at you when you are prepared and well positioned.”

      Indeed. I hope the reading audience pays close attention to this part of your comment.

      Expect Success!

  6. ink says:

    You are sure right about black men never create their own nest. My friend and me were talking about that the other day we are in college at a university and I said to her that does she realize out of all the black guys we know NOT 1 of them have their own apartment or house? All of them have either 3 or 4 roomates or they live with their gf’s. But, the majority of the black women, ww, and wm we know have their own. Even the black boys in my hometown still live with their mother but have rolls of money gambling on their mother’s porch. I was telling my parents if they have that much money why do they still live with their mom? And why don’t they have a car?

    • Ink,

      You said, “You are sure right about black men never create their own nest.”

      AA males don’t have to build their own nests—or in any other way function like men—because AA women enable them. I’m emphasizing that there are 2 sides to that equation. The legions of DBRBM who never create their own nests. AND the DBRBW who let these males roost in the nests they created as women.

      A woman allowing an able-bodied, physically adult male to mooch off of her is toxic, dysfunctional behavior. An ethnic groups of people—guess who—who have created an entire subdemographic of able-bodied, adult males who have NEVER created their own nests is deranged and doomed.

      Expect Success!

    • Shecodes says:

      That was the first thing I noticed when I moved to New York. All of the AA men were living in ‘mama’s basement’… even the ones with jobs. I used to constantly question this, because I never allowed myself to date anybody who didn’t have his own place.

      From what I understand — most of these men CAN’T get their own place because they have a RECORD. They destroyed their life path of some “nickel bag” or whatever. PURE STUPIDITY. That, and a lot of black men don’t take their credit rating very seriously.

      • Shecodes,

        Yes, indeed—that sort of thing IS some pure stupidity! Hmmph!

        Expect Success!

        • ink says:

          The guys I was talking about with the rolls of money, gambling on the front porch and in the streets don’t have jobs. They are out there all day and night keeping up noise and acting stupid. Their mother doesn’t say anything to them and they always have like 30 boys outside their house everyday and night. I hate to go home and visit, it is terrible now. The majority of them are high school dropouts who are in there early 20’s now. Smoking and drinking EVERYDAY. With no job but have new pairs of shoes on everyday.

  7. Muse says:

    This post is so timely because I have a few friends looking into investment properties. I advised them to avoid renting to section 8 residents or in areas of high unemployment. I can say that white landlords do not play at all when it comes to renting. I currently rent in an upper-middle class neighborhood in Los Angeles. I had to go through an extensive background check before they even considered renting to me. My landlord asked for three months worth of bank statements, tax returns from the two previous years, places of employment for the last three years, and my rental history. They also checked my credit report. They even called my boss asking them what type of employee I was! They also did a criminal background check on me as well.

    The building owner who lives on the property was so happy I passed the extensive background check because she really liked me and I seem like a nice young woman. It just clicked that during our conversations she asked me if I had any boyfriends or male gentlemen. I think she was trying to figure out if I was one of “those’ black girls. I gave her the nice Christian girl speech where I said I don’t believe in shacking up or living with a man until marriage (which is true actually). She seemed totally relieved. I even went as far as to say my home is a sanctuary and a place of rest so I really don’t like too many people coming over all the time (which is also true).

    When I moved to my apartment I realize that everyone went through the extensive process because all my neighbors are nice, gainfully employed, respectable, and considerate. Most of my neighbors are between the ages of 25-40. I don’t wake up to loud music or people arguing. The property is extremely clean and peaceful. I also noted that I’m one of two black tenants on the property. There are about 100 tenants all together.

    The rules of the building are outline clearly on my lease. Guests aren’t allowed to stay in the apartment for more than a week without special notification. No more than two people can occupy a bedroom (so no moving in your whole family to the property) and quiet hours are from 10pm to 9am. That means if you are having a party or guest over they better not disturb the other neighbors. My landlord will speak to you about an issue just once. If she has to repeat herself, she will evict you. She does not tolerate late payment on rent either. I believe there are additional fees attached to late rent. I don’t know since I always pay my rent early. The advantage of living in such a nice building is that when something is broken, my landlord fixes it immediately. I remember a few weeks ago a pipe under my sink broke in a freak accident which caused a mini flood. As soon as I called her, she had someone over in thirty minutes to fix the problem. She also had a professional service clean my carpets and the mess the flood caused in the kitchen. By the end of the day my kitchen was back in mint condition. She’s constantly upgrading the property. I feel safe and secure at my residence. In fact I feel relieved when I get home because it truly is a safe haven.

    My landlord said she has a policy that if perspectives don’t meet all the requirements to live in her building, she doesn’t rent to them no matter how nice they are. It’s imperative for black women to keep their financial affairs in order. You will limit your options if you have messed up credit, unstable employment, and or if you hang out with unscrupulous individuals. Nice areas are finding clever and legal ways to exclude certain groups from moving into their neighbored. My mom and dad’s neighborhoods are becoming incorporated gated communities and private neighborhoods. This is a legal way to now exclude certain “types” of people from buying property in certain areas without the approval of the home owners association or the board of directors. You also can’t come into these neighborhoods unless you have business there. Certain apartment buildings in NYC require the approval of a board to move in. Jay-Z (who I can’t stand) was rejected from an upscale building in NYC despite the fact that his net worth is close to a billion dollars. The building didn’t want to associate with his type or imagine and quite honestly I don’t blame them. I wouldn’t want someone like Jay-Z to be my neighbor. Many upscale neighborhoods in CA are adopting these polices because they are tired of negative elements destroying their residential areas. As you mentioned in previous posts Khadija, certain ghetto enclaves will be shut off because of the rise in crime and certain “types” will not have access to nice, clean, and safe neighborhoods. Unfortunately many African Americans will disproportionately be affected by these changes because the general population is sick of the chaos our presence brings to neighborhoods. I’m not trying to sound snobbish or mean but this is the hard truth. Once you get ref flagged as undesirable, it’s very difficult to be upwardly mobile in this society. You can’t even get certain jobs if you have certain “markers” on your financial report.

    • Muse,

      You said, “The rules of the building are outline clearly on my lease. Guests aren’t allowed to stay in the apartment for more than a week without special notification. No more than two people can occupy a bedroom (so no moving in your whole family to the property) and quiet hours are from 10pm to 9am. That means if you are having a party or guest over they better not disturb the other neighbors. My landlord will speak to you about an issue just once. If she has to repeat herself, she will evict you. She does not tolerate late payment on rent either. I believe there are additional fees attached to late rent.”

      These are very wise policies.

      You said, “Nice areas are finding clever and legal ways to exclude certain groups from moving into their neighbored. My mom and dad’s neighborhoods are becoming incorporated gated communities and private neighborhoods. This is a legal way to now exclude certain “types” of people from buying property in certain areas without the approval of the home owners association or the board of directors. You also can’t come into these neighborhoods unless you have business there. Certain apartment buildings in NYC require the approval of a board to move in.

      … Many upscale neighborhoods in CA are adopting these polices because they are tired of negative elements destroying their residential areas. As you mentioned in previous posts Khadija, certain ghetto enclaves will be shut off because of the rise in crime and certain “types” will not have access to nice, clean, and safe neighborhoods. Unfortunately many African Americans will disproportionately be affected by these changes because the general population is sick of the chaos our presence brings to neighborhoods. I’m not trying to sound snobbish or mean but this is the hard truth. Once you get ref flagged as undesirable, it’s very difficult to be upwardly mobile in this society. You can’t even get certain jobs if you have certain “markers” on your financial report.”

      It’s not “snobbish” to tell the plain truth. Other people are sick and tired of the chaos and crime many AA women bring to previously-nice areas by importing the DBRBM in their lives. Other people have figured out that many (if not most) AA women are functioning as decoy tenants and trouble-magnets who bring in DBRBM undesirables to a building and neighborhood.

      Expect Success!

  8. Karen R. says:

    As you know I sell real estate part-time in Detroit and I could write a book on the horror stories I have had to deal with in terms of servicing certain AA clients. It’s a whole different world. Because real estate is sooooo affordable now in Detroit proper, investors are buying in droves.

    My motto for some investors is “Just because you can buy a home for $20,000 or even $10,000 doesn’t mean you should.” Have a game plan and understand that certain areas are to be avoided like the plague.

    “Trust but verify” would be Rule #6. Always, always, always, verify employment, double and triple check work phone numbers against reverse directories to make sure these people are currently gainfully employed. Get at least 2 months worth of pay stubs, a credit report and 2 months bank statements. The bank statements alone can tell you what time it is for the client financially. If the account is frequently overdrawn, etc. they are a risk you may not want to take on. Also, it is wise to conduct an Eviction History with the county court where your property is located and possibly even the surrounding counties. There are professional renters who often gather just enough $$ to get into a unit without ever having any intention on paying. The courts here often are kinder to the tenant and his/her rights especially if there are children involved.

    Rule #7 would be avoid tenants who are always talking about “Jesus this and Jesus that.” Keep in mind I am a Christian, however, it has been my experience that the outwardly/verbally religious are the biggest gamers of all. I sold a home on land contract in May(contract for deed) to an evangelist. She made her payments in June and July and then stopped paying. I went to court in August and the judge gave her 90 days!!!!! She just got evicted on the 11th. ;-( She was all “The Lord told me…” I guess the Lord told her it was ok to stay in the property without paying. WHATEVER.

    Follow Rule #4 like your life depended on it. Whenever a tenant violates any part of the lease agreement go to the courts and file so fast it will make their head spin. If the rent is 5 days late, file. Nothing else to talk about.

    Call their current landlord and find out their experience with your prospective tenant. Why are they moving. This is not sure-fire, but you can get an idea of the type of person you may be dealing with.

    Because I primarily deal with single-family homes, I now exclusively sell my property on a lease-option instead of a rental. The difference is that there is no refundable security deposit, the tenant-buyer is responsible for all repairs i.e. plugged toilets, etc. (our properties are completely redone, stem to stern so there are never any major repairs like a bad furnace, roof, etc.)and they have more skin in the game financially. I have stopped dealing with Chiquita and her baby-daddy Brokell.

    Lastly, visit a prospective tenants current residence. If they are currently living like hell, you know what your property will look like in a few months.

    • KarenR.,

      Thank you for those excellent additional rules. I 100% co-sign.

      Incidentally, I’ll note that it’s also been my experience that outwardly/verbally religious Black folks are usually among the WORST people. Many of the most loathsome AA criminal defendants I’ve encountered (both genders) talk that nonstop fake holy talk. All that fake religious talk is a scam, and a substitute for actually living according to their faith traditions.

      Sincere believers aren’t constantly talking that “blessed and highly favored” talk, or that non-stop use of Arabic phrases (for “orthodox” Muslim AAs). Sincere believers don’t constantly talk like that because they’re too busy living and behaving according to their faith tradition.

      *Addendum*

      You said, “There are professional renters who often gather just enough $$ to get into a unit without ever having any intention on paying.”

      I shuddered at the phrase “professional renters.” It reminded me of the horror/thriller movie Pacific Heights—which I highly recommend that all aspiring landlords watch. The tagline to the movie was “It seemed like the perfect house. He seemed like the perfect tenant. Until they asked him to leave.”

      Expect Success!

    • BronzeGirl says:

      Khadijah,

      I have been a long time reader and this is my first time responding. I do enjoy your work. I wanted to respond to this post since I am a first time landlord. For all of my adult life, I wanted to have an extra stream of income since life as we know it changes regularly.

      I was afforded my opportunity in July after my house would not sell and I was paying the mortgage on an empty house. I advertised and did the word of mouth routine. The applicant through word of mouth was gainfully employed and had THREE very small CHILDREN. Then I saw on her application that her male reference had the same last name as the little ones. RED FLAG!! I just saw my house and neighborhood going down. Needless to say I rented to someone else.

      I did find out she was single, never married, and had poor credit. I also did not want Ray Ray/Junior/Rerun in my house when he should have made a home for his own children.

      Another prospect (DBRBM), who was recommeded to me, was negotiating with me on my rent, changes to my house and other wild things. I told him I do not negotiate and told him he does not tell me what to do with my property. He wouldn’t be trying to negotiate with a WM or WW. Negotiations stopped right there.

      @Karen,

      The rent to own aspect is intriguing to me. Do you have any books/websites you recommend when doing this?

      • BronzeGirl,

        Thanks for de-lurking! 🙂

        I’m happy that you were able to nip those “red flag” situations in the bud!

        Expect Success!

      • Karen R. says:

        Hi,

        A good book to read would be “Investing in Real Estate with Lease-Option and Subject To Deals” by Wendy Patton.

        Although the primary aim of the book is acquiring homes with zero down, for your purposes it helps to explain why an owner would choose to sell their property rent-to-own rather than just renting it.

        Most lease-option buyers don’t exercise the option (only about 30%)but as an owner you are legally able to charge a higher lease-option fee to a potential tenant buyer to get into your property while at the same time making them responsible for all repairs. I am finding that having a tenant pay a lease-option fee causes them to have more “skin in the game.”

  9. LaJane Galt says:

    I’d add that being a landlord is a BUSINESS, not a charity. You must steel yourself for “help a sista” out talk and the labyrinthine eviction process. Khadijah’s comment on tenant leverage is especially important in larger cities.

    Friends and family have shared Section 8 & no rent paying tendencies of some folk.

    I also suggest that if you live in a building, you start with word of mouth before you go public. Require a minimum credit score and a strong employment history.

    • LaJaneGalt,

      Thanks for the tips. I 100% co-sign. Especially about starting with word of mouth before going public.

      Expect Success!

      • LaJane Galt says:

        Not that FHA laws are bad in and of themselves…. nonetheless, I don’t want black women to become the dumping ground for bad tenants.

  10. Evelyn says:

    Khadija said:

    Whatever you do, don’t buy a building that you that you can’t keep without paying tenants. That makes you desperate and less likely to properly screen prospective tenants. It also puts you in a position where tenants have far too much leverage over you.

    I have to co-sign on this, as a former tenant of one weak-willed female landlord that left a bad taste in my mouth towards renting and d*mn near destroyed me last year. She owns a 3-unit property (2 halves of a large house with one half big enough for a small family, and the other half set up as a 2-bedroom apartment), and I moved into one of the rooms at the beginning of last September when I started college. I was the only tenant at the time, and the landlord lived in the other half of the house with her young son and dog. I thought we had a pretty good relationship going for the first month – she was quiet and kind, I’m also very quiet and studious, and I paid the rent on time and she rarely saw the boyfriend I had at the time (who I never permitted to sleep over).

    Well, at the end of the month she decided she was going to move into a condo with her son and dog and rent out the whole property, which didn’t bother me. It boggled my mind that in less than a week she had a couple to fill in the spot where she had been living, as well as another girl my age to rent the room next to mine, but I thought the landlord was just skilled like that, LOL. Everyone turned out to be a tenant from hell – I’m not kidding, by the weekend the property had been turned upside down. The “couple” grew to a troupe of 6 adults – 5 men and 1 women – who did nothing but blast rock music into the wee hours of the night and drink. My roommate moved her boyfriend in the same day and they stayed up slamming doors, blasting their TV set, copulating, you name it. I couldn’t study and it wasn’t what I signed up for. I tried to adapt for a few weeks before I got fed and alerted the landlord to everything.

    I spent the next 2 months calling the landlord repeatedly to complain about various issues. She would sympathize and occasionally drive by to investigate, but even though she saw the damage everyone was doing to her property she never evicted anyone. There was a month where NO ONE paid their rent but me! She found out about my roommate’s secret roommate and actually proposed that he be added to her lease for an extra $100 a month – WTF? And of course that didn’t happen, because it didn’t take too long for everyone to recognize that the landlord was a pushover. My rooommate, of course, found out that I “snitched” and tried to make my life a nightmare, verbally assaulting me one night from behind my door until I boldened up once and screamed back that if she didn’t back away I was going to go “all the way black” on her a**. Things got so bad, and I so afraid for my safety, that I took to staying at my boyfriend’s house for days at a time in the last month that I kept my apartment, which I’d always sworn to myself I would never do – live with a man before marriage. Long story made short, I left the apartment after 3 months and my landlord told me that if she had had an extra room at her condo, she would gladly have welcomed me to rent with her there because I had been a dream tenant. Needless to say I rolled my eyes.

    I spent the latter part of my freshman year just looking for a new place, living with my boyfriend, and feeling like my confidence had been bashed out of me. Now that I read your landlord rules, I sincerely believe that my landlord rented out to anyone and everyone thinking she could pay the property off with our money. The information really helps because I also know what to keep my eyes out for in terms of bad landlords!

    • Evelyn,

      Let me emphasize something. You said, “…I sincerely believe that my landlord rented out to anyone and everyone thinking she could pay the property off with our money.”

      As far as I’m concerned, there’s NOTHING wrong with a landlord wanting to pay off the property with the tenants’ rent money. This expectation is a fair exchange of value.

      The landlord is assuming the financial RISK and the legal RESPONSIBILITY for the building. Therefore, the landlord is entitled to reap the financial REWARDS of having tenants pay off the mortgage for the building.

      Expect Success!

  11. sisterlocgirl says:

    WOW! I had NO idea about the whole college application thing. I have a 16 year old nephew who has decided he wants to be a neurologist. I have been on his butt about studying, being able to gain admittance without the benefit of affirmative action, etc, and boy has it turned out that this is the correct plan. As you and many posters here have mentioned on other topics ” skin folk ain’t always kin folk “.I work with quite a few Africans who have immigrated here and let me tell you, they look down on the vast majority of AAs here. Those of us who were raised similar to them ( education, marriage then children ) are viewed as superior to the baby mamas/Pookie/RayRay types. One of my Jamaican dialysis nurses blessed out a patient when he told her he never had a job. The guy was in his 30s-40s and she just could not believe that a man had never worked an honest day in his life. I must say I wholeheartedly agree with her. Make no mistake. . .these Africans have NO desire to be confused with the AA population of this country,unless they can benefit from it.

    • Sisterlocgirl,

      Well, there are some nuances and layers going on with what you described of some (NOT all) other types of Black-skinned folks’ interactions with AAs. As I said during this previous post,

      BEFORE THE AFRICAN-AMERICAN CIVIL RIGHTS MOVEMENT, WHITE AMERICANS WERE ADAMANT ABOUT KEEPING NON-WHITE IMMIGRANTS OUT OF THIS COUNTRY
      For me, the starting point of any squabble with non-White, non-European immigrants is the fact that my people’s Civil Rights Movement led to, and influenced, the Immigration and Nationality Act of 1965. Prior to African-Americans’ Civil Rights Movement, White Americans were quite clear about keeping non-Europeans out of this country. The bulk of these Black-skinned bigots the reader is whining about wouldn’t even have been allowed into our country if it wasn’t for our people’s civil rights movement. This is one of several things we need to remind these people about when they get out of pocket.

      One of the few good things about the post-9/11 environment is that it made White Americans rethink their open door policy with these non-White immigrants. And considering how many of these non-White immigrants are either anti-Black racists, or Black anti-African-American racists, I say “Good riddance to bad trash” whenever they’re deported. This is why I’m less offended by the government’s anti-Muslim crackdown than I ordinarily would be—because I want the racist, anti-Black Somalis, Arabs and Pakistanis OUT of this country. I’ve seen these people and their attitudes at the mosque. I don’t shed any tears for most of them who are hassled or deported. Most of them can’t leave this country fast enough for me.

      I also want some of these other anti-African-American, foreign Black bigots deported as well. (I didn’t mention the Somalis in the “Black” category because many Somalis like to believe that they’re not Black. Whatever.) Even though White America’s current anti-Muslim frenzy affects me too, it’s worth it to me if it gets these racist other people deported. I want them gone.

      IMMIGRANTS ARE NOT A REPRESENTATIVE CROSS-SECTION OF THEIR SOCIETIES—IDIOTS TEND TO STAY AT HOME
      Immigrants represent a skewed portion of their societies—the most energetic people. Most people don’t have the courage and energy to get up and leave their home country. Immigration often has the effect of skimming off large portions of the cream of a society. Low-level knuckleheads tend to stay at home, and therefore out of sight of Americans. This is how immigrants get to hide large chunks of their culture’s dirty laundry from outside eyes because, for examples—Delroy The West Indian Idiot never left the Caribbean, and Nnamdi The Nigerian Idiot never left Nigeria.

      Meanwhile, DeShawn The African-American Idiot is on full display on “front street” in his home country, the United States. So, everybody who immigrates to the US can easily see and hear what DeShawn The African-American Idiot is doing on the local television news.

      AFRICAN-AMERICANS ARE THE ONLY PEOPLE WHO ARE NAIVE ENOUGH TO “LET IT ALL HANG OUT”
      African-Americans are the only people who are naive and foolish enough to “let it all hang out.” Other people tend to hide their culture’s dysfunctions. In other words, most non-African-American Blacks will minimize, gloss over, or tell lies about the problems within their own societies. For one example, East Africans generally aren’t going to tell you that albino people are hunted down like animals in some of their countries. They’re not going to talk about the Red Cross report cited by CNN,
      As many as 10,000 albinos are in hiding in east Africa over fears that they will be dismembered and their body parts sold to witchdoctors, the Red Cross said in a recent report.

      The killings of albinos in Burundi and Tanzania, who are targeted because their body parts are believed to have special powers, have sparked fears among the population in the two countries, the report said.

      Body parts of albinos are sought in some regions of Africa because they are believed to bring wealth and good luck. Attackers chop off limbs and pluck out organs to sell to dealers, who in turn sell them to witchdoctors.

      And West Africans aren’t going to tell you about the numbers of children being tortured and murdered after being accused of witchcraft in countries such as Nigeria,
      Sam runs Child’s Rights & Rehabilitation Network, or CRARN — an orphanage that supports nearly 200 children. All of them were accused of witchcraft and cast out by their families, often after being tortured. The orphanage provides security, healthcare, nutrition and counseling.

      Godwin’s story is typical. As he sat next to the quiet 5-year-old, Sam said that after Godwin’s mother died, the church pastor told his family that “Godwin is responsible.”

      From his own investigation, questioning Godwin and talking with neighbors, Sam said that when a relative asked Godwin if he was a witch, “he said no and was beaten and made the confession that he actually killed the mother.”

      Sam said Godwin was locked up with his mother’s corpse every night for three weeks with little food or water before a neighbor contacted Sam, who was able to rescue him.

      Other children at his orphanage bear the scars of being beaten, attacked with boiling water, and cuts from machetes. But these children are the ones lucky to be alive.

      “A child witch is said to be a witch when that child possessed with certain spiritual spells capable of making that child transform into cat, snake, vipers, insects, any other animal and that child is capable of wreaking havoc like killing of people, bringing diseases, misfortune into the family,” Sam said.

      “When a child is accused of being a witch — that child is hated absolutely by everybody surrounding him so such children are sent out of the home… But unfortunately such children do not always live long. A lot of them, they’re either killed, abandoned by the parents, tortured in the church or trafficked out of the city.”

      Sam doesn’t believe in witchcraft and is trying to raise awareness in local communities now gripped by hysteria.

      If they can’t deny and outright lie about the atrocities going on in their home countries, many of the Africans you’ll encounter will try to characterize their various cultures’ dysfunctions as the result of war. Umm . . . no. It’s not just racist brainwashing that makes many Western Blacks want to distance themselves from Africa. The harsh reality is that there are some utterly disgusting and repellent aspects to various indigenous African cultures. Things that have nothing to do with war. Things that nobody in their right mind would ever want to cosign.

      I don’t know, and I don’t particularly care, how prevalent these depraved practices are in those particular countries. Any is too many. Anything more than a handful of people doing these sorts of things says something extremely ugly about a particular culture. The bottom line is that significant numbers of Africans are doing things that nobody else does in large numbers (like hunting down and dismembering albino people). It’s similar to how significant numbers of African-Americans are doing things that nobody else does in large, mass numbers. [Such as the widespread modern African-American cultural practice of males refusing to support, and abandoning, their children.] Healthy people don’t want to be associated with deranged and depraved cultural practices.

      So, I don’t blame foreign Blacks for hiding their cultural dysfunction. It’s normal to want to present your own people in the best possible light. As African-Americans, we’re the ones who are doing something abnormal when we publicly put our dysfunctions on display. Part of the reason we do this is because we have the bad mental habit of looking for pity parties; looking for other people to feel sorry for us.

      . . . FOREIGN BLACKS DON’T HAVE ANY ANSWERS FOR AFRICAN-AMERICANS—LOOK AT THE BLACK-RULED COUNTRIES THEY RAN AWAY FROM
      Dear Reader, why in the world are you looking for “answers” from people from mostly failed countries (such as Black immigrants who ran away from their Black countries to live in the White West)? They don’t have answers for themselves. Or at least any answers beyond running to live in the White West. There are reasons why these hate-filled, immigrant Blacks you described ran away from their own Black countries to live in majority-White countries. Why do you care what these particular (Black-skinned) bigots think about African-Americans?

      Do you understand that these hate-filled, foreign Black bigots you described had to beat down the doors, and in some cases risk their lives, to get into YOUR country? And to reap the benefits of YOUR birthright as an African-American?

      With all due respect, your perspective is skewed. You feel powerless because you choose to feel powerless. There are literally millions of foreign Black women living in Black-ruled countries (that are hellholes) who would love to exchange places with you. And you’re sitting here talking about how you feel powerless . . . Guurl, you’re tripping.

      On the one hand, Black immigrants have plenty of ugly, toxic mess going on in their home countries. After all, there’s a reason why large numbers of them left those countries. On the other hand, HUGE numbers of AAs are doing things that are an absolute disgrace! Behaviors that any normal human being would look down on. So, I don’t blame foreign Blacks for giving the side-eye to deranged, dysfunctional AAs.

      Expect Success!

      • ann says:

        I agree 100%. Take your education more seriously.

        Yes, AA’s are being displaced in various universities in the U.S. As I said before I work at one and I see it every semester.

        I have been told that more than half of the students at Xavier’s School of Pharmacy is either foreign born or wht. This university was built to close the educational gap for Native Americans and AA. There was a time when no other race of person would have wanted to attend Xavier. Xavier is an outstanding school of higher education.

        Yes, other people of African decent are benefitting from our grandparents and great grandparents’ extremely hard work and dedication and this people are not ashame about taking any and all advantages for us.

        WAKE-UP!

      • ann says:

        After reading about Godwin now we know where the sickness originated.

    • Sisterlocgirl,

      I forgot to reply to this part of your comment. You said, “WOW! I had NO idea about the whole college application thing. I have a 16 year old nephew who has decided he wants to be a neurologist. I have been on his butt about studying, being able to gain admittance without the benefit of affirmative action, etc, and boy has it turned out that this is the correct plan.”

      Oh yes, as I documented in the post from the previous blog I linked to—AAs are being phased OUT of U.S. universities and colleges; and replaced by foreign-origin Black students!

      And it’s our OWN collective fault as AAs! It’s our own fault for not protecting and taking advantage of the opportunities that our dead, AA civil rights martyrs created with their blood.

      Instead of demanding remedies to address our specific grievances as AAs, we left the remedies vague and ambiguous. So, of course, immigrant Black folks (who tend to be ambitious—that’s why they left their own countries) run up to the vague, “diversity” banquet created by AA civil rights martyrs and eat food that was supposed to be on our plates. It’s not their fault that we’re too passive and stupid to reap the benefits of our own people’s struggles.

      The other part of this is that modern AAs generally have NO sense of racial discipline—which is still necessary in this era. As I said during Reality Check: African-Americans Still Need to Have Racial Discipline in the Obama Era at the previous blog,

      In terms of my living memory, the parents of most AAs in my age group (40s) made a POINT of showing us old pictures of what Emmett Till looked like in his open casket when we were around 11-12 years old. And, so did our teachers, for those of us who went to Black grammar schools/junior high schools.

      They did this so that we could truly understand what lynching meant. Almost every AA I know in my age group saw that horrible picture as a pre-teen or young teenager.

      As a result of the photos and the explanations surrounding them, most African-Americans in my age group and older were not naive about the potentially deadly consequences of wandering into unknown, non-Black residential areas. This horrible picture of Emmett Till was worth more than a thousand words about carefree wandering into certain places.

      We were also not naive about the potential consequences of any of us “showing out” on a White campus, in a White workplace, in a majority White residential area, or any other White setting.

      Our parents and other relatives drummed into our heads the message that if we “clowned” and did something inappropriate in a White setting, our actions would have consequences not just for us as individuals. But also for every African-American person that came to that particular setting after us. We were exhorted and raised to not be the Black person who screws things up for every Black person who comes behind us. This was one example of racial discipline.

      Unfortunately, for a variety of reasons, my generation of African-Americans failed to communicate this message to our children. That’s why there are African-Americans (like the foolish Black female college student interviewed in this story) who are shocked that there’s a backlash splashing onto them when other Blacks do inappropriate things.

      Many of us want to believe that those days are over; and we’re living in a post-racial country. Well . . . on some levels, yes. On others levels, NO. We need to snap out of our Obama-induced delirium and understand that we’re still perceived in a category separate, apart and inferior from everybody else.

      As I’ve mentioned before, everybody except African-Americans is in the process of becoming perceived as White. I see this in the police reports and government forms that I work with everyday. Unless somebody is blue-black in color and without a single strand of hair that could be called wavy, they are classified as “White” on these forms. This includes deep-brown East Indians. This includes Black Arabs. This includes deep-brown, Indian Latinos. This includes everybody except African-Americans.

      One benefit of being perceived as either White or sort-of White, is the ability to access portions of White privilege. This is why a Korean student at Virgina Tech could kill over 30 people on campus without his actions leading to a pogrom against Korean or Asian students on White campuses. This does not apply to us. Anything any one of us does will most likely be held against the rest of us.

      Just like before the Obama era. We still have a need for racial discipline.

      Soon, US colleges and universities will mostly be CLOSED to native, AA Black students. Almost all the Black students at these places will be Black immigrants or the children of Black immigrants. And it’ll be our own fault as AAs. That’s why I didn’t and don’t care about the fate of Miss Chanequa Campbell or any other “keeping it real” AA idiot on these campuses. Fools like her are a large part of the reason why universities are replacing AA students with foreign Black students who generally don’t start up as much mess. Frankly, I could slap the taste out of Miss Chanequa Campbell’s and Miss Brittany Smith’s mouths because of what their mess has cost the AA collective:

      Brittany Smith, a former student at Harvard University, has been indicted for her role in the shooting death of 21-year-old Cambridge University student Justin Cosby.

      Smith is facing accessory charges for helping to cover-up the 2009 murder of Cosby during a botched robbery/ drug deal on the Harvard University campus.

      According to police, Smith, now 22-years-old was the girlfriend of Jabrai Jordan Copney, one of three men in question for the case.

      They accuse her of giving 20-year-old Copney, 19-year-old Blayn Jiggetts and 23-year-old Jason Aquino her key card for her dorm room where they planned to rob Cosby.

      After things went astray and the young man was shot and killed, they say she hid the gun under her friend’s bed and lied to authorities about the incident.

      She appeared in a federal court room Tuesday and pled not guilty to six charges, three counts of accessory to murder, one count of illegal possession of a firearm, willfully misleading a grand jury, and willfully misleading a police officer.

      Smith was not allowed to graduate from the institution in light of the case.

      A second female student, Chanequa Campbell, was denied graduation for her ties to the case although she still has yet to be charged with a crime.

      http://hiphopwired.com/2010/03/17/former-harvard-student-indicted-in-deadly-dorm-shooting/

      Unfortunately, once AAs thought we got free of segregation, we discarded collective standards and racial discipline. Well, now AAs are starting to pay the price for that mass cultural choice. {sigh}

      Expect Success!

  12. ink says:

    I would also like to add that the house across the street from my parent’s house is owned by a black man who turned it into 9 section 8 units. In a one bedroom apartment there are 11 people living in it (I am not joking we counted) and they have been living there for like 2 yrs now and they are a nightmare. Making our neighborhood a living hell and the landlord has done nothing about it.

  13. Evelyn says:

    Quoting:

    Evelyn,

    Let me emphasize something. You said, “…I sincerely believe that my landlord rented out to anyone and everyone thinking she could pay the property off with our money.”

    As far as I’m concerned, there’s NOTHING wrong with a landlord wanting to pay off the property with the tenants’ rent money. This expectation is a fair exchange of value.

    The landlord is assuming the financial RISK and the legal RESPONSIBILITY for the building. Therefore, the landlord is entitled to reap the financial REWARDS of having tenants pay off the mortgage for the building.

    My response:

    Hello Khadija! Reading your reply, I see how my comment comes across as though I felt it was somehow unethical for my former landlord to be making money off her tenants. That wasn’t my intention! LOL I meant to state it as an observation, and of course whatever any landlord does with the money they earn from their tenants is entirely their right. I am in agreement with your statement above. But just to clarify, I made my initial comment thinking it goes towards her motive for keeping tenants around that were more of a liability to her than an asset (for the amount of trouble that they caused).

  14. Your #1 is strawman but in reverse! During Jim/Jane Crow (and earlier even) black folks who owned any type of business concern often had to hire a strawman (wm) to pose as the owner so white people would do business. How sad that 70 years or so later the strawman has to be employed to keep some black folk in check. SMH

    In my neighborhood, which is a fairly new subdivision (ten years old) one of the houses is for rent. I shuddered when I saw the sign because I am worried about what kind of people the owners are going to rent to. This is a wonderful neighborhood filled with homeowners. Renters oftentimes have different motivations and agendas than owners.

    It occurs to me I can get the number and call the owners to see what kind of screening process they are going through as far who they intend to rent the house to (yeah kinda undercover) and I’ll also have the number in case problems arise. I guess I’m that nosy neighbor who will call the police at the drop of a hat but sometimes that’s what it takes.

    I have never thought about buying a mutlt-family dwelling; living in one apartment and renting the other spaces. That’s really good food for thought.

    Thanks for the checklist ladies.

    Peace

    • SouthlandDiva,

      You said, “Your #1 is strawman but in reverse! During Jim/Jane Crow (and earlier even) black folks who owned any type of business concern often had to hire a strawman (wm) to pose as the owner so white people would do business. How sad that 70 years or so later the strawman has to be employed to keep some black folk in check. SMH”

      Guurl, ain’t that crazy and sickening?! AAs are going back…back…and even further WAAAAY back in time. AAs have regressed into bringing back:

      1-the White strawman;

      2-“sundown towns”—we’ve turned our own residential areas into sundown towns where you better be either gone from AA areas, or you better be behind closed, locked doors by sundown (with bars on your windows to keep Negro criminals from breaking in—or the new trend of having rolling metal shutters installed on your house windows just like many stores in the hood have);

      3-the paper bag test (see statements and actions by Ne-Yo and Yung Berg, and countless other AA males);

      4-and last but not least, modern AA males have recreated the quadroon and octoroon balls of over a century ago—in the form of modern music videos made by AA males.

      It’s all disgusting.

      Expect Success!

      • ann says:

        Many of us like to play games. Others are simply confused and do not know which way to turn. Everyone needs obtainable goals, goals help to make life worth living.

  15. YMB says:

    Terrific and actionable advice! I previously related my own terrible experiences as a black landlord renting to black tenants who engaged in many of the same behaviors you described (immediate move in of Pookie and ’em despite it being a violation of the lease, falsified references, etc)- and also the countless run-ins and harassment from the neighborhoodlums constantly running the streets and their coddling hug-a-thug mothers and relatives. Things probably would have gone differently had I followed these steps but as it is, I will never buy rental property in a black residential area again. Other areas, and other types of tenants, yes.

    Since many of us are IR married or will be, what is your take on having non-black husbands acting as the owner/property manager for rental properties where the owners also reside- as in we own the property but he is the decision maker? Do you think that would be as effective at keeping tenants in check as having an “unaffiliated” WM play that role?

    Having an iron-clad lease that expressly states what is and is not allowed is vital. I would add that having the terms of the lease be month-to-month would also be desirable. If you follow rule #2 and only buy property you can sustain without tenants, you do not need to have them locked into 12 month leases. When renting month-to-month, you have the freedom to evict any tenant as long as you give 30 days notice (depending on your state/county laws) which is a lot easier than having to convince a judge to grant an eviction due to “objectionable tenancy”. I shudder to think how much worse my experiences would have been as a first-time landlord if I had not gone with a month-to-month lease.

  16. YMB,

    You said, “Since many of us are IR married or will be, what is your take on having non-black husbands acting as the owner/property manager for rental properties where the owners also reside- as in we own the property but he is the decision maker?”

    Well, everybody has to figure out and do what works best for their individual circumstances. Personally, I don’t like the idea of totally ceding control over an asset of that magnitude to anybody else. If my name is on the mortgage, then I have to be involved in the decision process. But that’s me; other people feel differently about that.

    You said, “Do you think that would be as effective at keeping tenants in check as having an “unaffiliated” WM play that role?”

    Again, that depends on everybody’s individual circumstances. This particular angle you’re asking about depends on the nonblack husband’s temperament. Remember: The purpose of having a nonblack male face pretending to be the owner isn’t simply to have a nonblack male face—it’s to help keep AA slaves (and others) in check.

    If, because of his personality, a particular husband is unwilling to be stern and firm in his interactions with the tenants, what’s the point of having him be the one to directly handle the tenants?

    If a particular husband is a soft-touch and has a soft heart with entertaining tenants’ sob stories, then he’s not going to effectively serve the purpose of having the nonblack male face be the one the tenants interact with.

    You said, “I would add that having the terms of the lease be month-to-month would also be desirable. If you follow rule #2 and only buy property you can sustain without tenants, you do not need to have them locked into 12 month leases. When renting month-to-month, you have the freedom to evict any tenant as long as you give 30 days notice (depending on your state/county laws) which is a lot easier than having to convince a judge to grant an eviction due to “objectionable tenancy”. I shudder to think how much worse my experiences would have been as a first-time landlord if I had not gone with a month-to-month lease.”

    Hmmm…I haven’t talked to many landlords who use month-to-month leases. I wonder if a month-to-month lease would tend to automatically attract lesser-quality tenants. I know that, as a (adult, non-college student who’s not living on a semester schedule) renter, I wouldn’t want the uncertainty of a month-to-month lease. I wouldn’t rent on that basis; and I figure there are probably other qualified tenants who feel the same way about that. I don’t know. Like I said, that’s something I haven’t heard very much about.

    Expect Success!

    • joyousnerd says:

      Yes, Khadija, the soft-hearted non-black husband is NOT a viable solution, take it from me! I have had to save us from his marshmallow-spined self more than once. Sob stories, drama and foolishness need a firm hand, but he doesn’t have one. It’s a mess.

      When we were looking for tenants a few months back, there was a knock at the door. It was a young white boy who asked about our rental cottage. Now, my husband’s eyes lit up with glee, thinking this was an answer to our prayers. SMDH. I looked and could see instantly that this boy was a junkie. I don’t know exactly if he’s on meth, smack or what, but he is on something. Despite my warnings and protestations, my husband was actually considering renting to this boy!

      By the time the painting and other between-tenant upkeep was finished, the junkie’s phone was cut off and the boss he listed on the application said he didn’t work there anymore. I saw him meandering down the street recently with a “strawberry” (drug-addicted prostitute). It was only the delay caused by the painting etc that protected us.

      My husband is a very good person. He ties himself in knots to be fair to everyone and give people a chance. He’s very moral and ethical; the problem is that MOST people are immoral and unethical. Treating them as though they were saints allows them the chance to hurt you.

      Despite the fact that he’s so soft, our tenants have all feared and respected him, while assuming I am a giant doormat. Maybe it’s because I’m a woman, or because I’m a stay at home mom, I don’t know.

      But having that non-black man as the front will only work if he has the right temperament, like Khadija said. I can attest to that.

      A BW can always use a rental property management company, though they do take a cut of the profits.

      • YMB says:

        Just to clarify, I didn’t mean that the wife should be hands off about the rental property- not at all. Just that they might let that the tenants think that was the case. My fiance tries to be fair and also thinks most people have more common sense than they do (“Why would a woman let some guy move in when he’s not on the lease? Does she want to get evicted?”)
        so I would definitely be extremely involved in all of the decisions.

        My point in asking the question is that I wondered if knowing the non-black strawman was IR-married would make DBR types think they could get away with their typical nonsense, regardless of his temperament.

      • YMB,

        You said, “Just to clarify, I didn’t mean that the wife should be hands off about the rental property- not at all. Just that they might let that the tenants think that was the case.”

        Oh, that’s different; I get it now.

        You said, “My point in asking the question is that I wondered if knowing the non-black strawman was IR-married would make DBR types think they could get away with their typical nonsense, regardless of his temperament.”

        I would think that if the WM husband has the necessary stern and firm demeanor with the tenants, then being married to a BW wouldn’t detract from that same WM being perceived as an authority figure by most AAs.

        And let me clarify: This all boils down to the sort of people that most AAs perceive as authority figures. Most AAs DON’T and WON’T perceive other Black people as true authority figures—no matter how much actual authority that other Black person has.

        For example, AAs tend to respond differently—with less respect—to Black law enforcement officers, parole officers, prison guards, and judges. As opposed to how they respond to Whites (including WW) in those occupations. In general, AAs are MUCH more likely to clown and engage in destructive behavior with other Blacks, no matter what the context might be.

        Most AAs automatically perceive Whites as authority figures—authority figures that they’re afraid to challenge or cross. This predisposition to view Whites as authority figures is what exists in most AAs’ head, everything else about the situation being equal. That’s why a Black landlord needs the presence of a WM strawman to discourage AA tenants from clowning.

        Now, a WM can throw away his assumed authority by grinning and skinning with random Blacks. In this context, by being too chummy with the tenants. And by entertaining tenants’ sob stories.

        I specifically spoke of a White male strawman in the post. Because White men in positions of authority are the ones AAs fear the most. AAs don’t fear other Blacks who are in positions of actual authority. So, AA tenants are more likely to try to get over with a AA authority figure.

        There are different variables in terms of how AAs respond to nonblack men from people of color ethnic groups. I would say that AAs give more respect to ALL categories of nonblacks than they do to other Blacks. However, the deference that most AAs give to nonblack people of color probably won’t be as much as they automatically give to WM.

        Expect Success!

        • joyousnerd says:

          Yes, I should have been more clear. My husband is Asian-American. Our tenants so far have all been white. So the way they view him has to do not only with his race but also with their own home-training about how one is supposed to treat a landlord in general.

          I have noticed that among black people there is this idea that the landlord is automatically some nefarious horrible villain… simply because they want the rent paid in full, on time, every month. And god forbid he “gets in their business” by restricting the number of random people churning in and out of the rental property or laying up on the couch for months on end! Then he is judgmental, nosy etc.

          While most white folks from the lower-middle class on up see a landlord as a person worthy of at least a measure of respect who should not be angered. Not that they fawn over the landlord as an authority figure or anything. It’s just generally accepted that you don’t doodoo where you eat, and a landlord can make life difficult for you, if you make life difficult for him.

          With the low-class AA tenant, the baseline level of respect for the landlord is absent, and so the only thing that can make them act right is fear, and these folks do not fear Asians. They fear The White Man.

          In fact there are times when DBRBM crime against Asians flares up really badly. When I was expecting our second child I was scared every day because there was a series of violent attacks against Asian men by DBRBM in Philly where my husband worked.

          Every day there was another attack. One man was out in the park with his son riding new scooters he had purchased. Not only did these thugs rob him, they killed him in front of his child. It seemed like every day that whole summer Asian businesses and families were targeted by these scum. It was so scary.

          {When the Asian kids who grew up during these times are adults, they will NOT shed a tear for the plight of black folks in America.}

          And a black city official basically snarled that it was the victim’s fault – ON TV – for resisting the robbers! He never would have DARED to say something like that about a white victim of black crime.

          So, yes, Khadija, I agree that a white front does a better job of keeping the slaves in check (lol) than any other race of non-black man.

        • JoyousNerd,

          You said, “Yes, I should have been more clear. My husband is Asian-American. Our tenants so far have all been white. So the way they view him has to do not only with his race but also with their own home-training about how one is supposed to treat a landlord in general.

          I have noticed that among black people there is this idea that the landlord is automatically some nefarious horrible villain… simply because they want the rent paid in full, on time, every month. And god forbid he “gets in their business” by restricting the number of random people churning in and out of the rental property or laying up on the couch for months on end! Then he is judgmental, nosy etc.”

          Yep, new-school AAs are deranged; and have the most peculiar and dysfunctional attitudes about a variety of things.

          You said, “While most white folks from the lower-middle class on up see a landlord as a person worthy of at least a measure of respect who should not be angered. Not that they fawn over the landlord as an authority figure or anything. It’s just generally accepted that you don’t doodoo where you eat, and a landlord can make life difficult for you, if you make life difficult for him.”

          Most AAs with old-school values think the same way—you don’t p*ss where you have to eat. And you don’t bite hands that are “feeding” you in any way. New-school AAs don’t understand these concepts. Basically, they don’t understand the concept of reciprocity. New-school AAs feel entitled to other people’s resources and help. Basically, they think the world somehow owes them something.

          You said, “With the low-class AA tenant, the baseline level of respect for the landlord is absent, and so the only thing that can make them act right is fear, and these folks do not fear Asians. They fear The White Man.”

          It’s not just “officially” low-class AAs. I’ve seen the same ghetto mentalities and behaviors among “up from the hood into the professions” AA strivers. I believe I mentioned at the previous blog how a couple of younger, new-school AA attorney coworkers (one male, one female) had the payday loan companies {shudder} calling our firm because they owed them money. Of course, the White and other nonblack attorneys felt this was hilarious. Well, these 2 individuals also had strange, automatic hateration assumptions about their landlords. {shaking my head at it all}

          About The White Man™ as strawman necessity: It’s a d*mn shame that in the 21st century, modern, new-school AAs require the presence of The White Man™ in order to act right. But it is what it is.

          I want AA business owners to succeed. Part of why so many AA businesses fail is because nobody tells the truth—out loud—about the unique obstacles facing visibly Black-owned businesses. Most of all, those obstacles created by dealing with most other Black people! Instead, what I hear Black business owners publicly discussing are the “coloring book” versions of business advice such as focusing on quality, customer service, yadda, yadda, yadda. With a deadly dose of “save alla our people” thrown into the mix.

          But the fact that AA slaves will do things like continuing to shop in filthy, rude, Korean slum stores AFTER the murder of Latasha Harlins confirms there’s more to the situation than the usual considerations of quality and customer service. AA consumers have all sorts of strange hateration attitudes toward Black folks who acquire wealth from anything other than cursing over a microphone or chasing a ball down a field. Gearing one’s business toward a group of consumers who are INCAPABLE of responding appropriately to quality and service from another Black person almost always leads to failure.

          You said, “In fact there are times when DBRBM crime against Asians flares up really badly. When I was expecting our second child I was scared every day because there was a series of violent attacks against Asian men by DBRBM in Philly where my husband worked.

          Every day there was another attack. One man was out in the park with his son riding new scooters he had purchased. Not only did these thugs rob him, they killed him in front of his child. It seemed like every day that whole summer Asian businesses and families were targeted by these scum. It was so scary.

          {When the Asian kids who grew up during these times are adults, they will NOT shed a tear for the plight of black folks in America.}”

          You’re right about that!

          You said, “And a black city official basically snarled that it was the victim’s fault – ON TV – for resisting the robbers! He never would have DARED to say something like that about a white victim of black crime.”

          Oh yeah, the AA collective is in the process of reaping the whirlwind from what we’ve sown by our behavior. It WON’T be a pretty picture. I’ll say it once again: The exits are being nailed shut from the outside. Any AA woman who fails to evacuate most Black residential areas within the next 5 years (more like 2-3 years) will be trapped in those emerging Dunbar Village/Rowan Towers/Rwanda-zones. And nobody else is going to care. Other folks will go on with their lives.

          Expect Success!

          • ann says:

            “Any AA woman who fails to evacuate most Black residential areas within the next 5 years (more like 2-3 years) will be trapped in those emerging Dunbar.”

            May I add that those bm who date and marry out usually do not live in prodominately blk. neighbors. The other race woman usually will get them an apt. or house in a nicer area. Therefore, alot of bw will be trapped by themselves.

          • ann says:

            In addition gay bm will fare well also.

  17. Nysee says:

    DEar Khadija,
    I was reading the post and we have in Chicago, how some places are moving in CHA residents in to new condos on Division street. It will be a matter of time before that goes in to ruins. As BW, we need to get our finance in order so will can comfortable afford where we want to .
    Also expand our dating options to men who have a sense of financial and emotional responsibility towards there wife or wife to be.
    let us know if you have a podcast we will be interested.
    Thanks and keep up the good work.

    • Nysee,

      Thank you for your kind words; I truly appreciate it.

      You said, “I was reading the post and we have in Chicago, how some places are moving in CHA residents in to new condos on Division street. It will be a matter of time before that goes in to ruins.”

      Well, we all saw what the AA Section 8-wielding, ex-CHA (public housing) residents did to Chatham, South Shore, and other previously safe and decent AA neighborhoods. They’ll try to bring their violent crime and destruction to the condos on Division. I figure that how that ultimately plays out depends on what sort of people are already living in that area.

      I haven’t passed through that part of the North Side in a very long time. So I don’t know the demographics of who’s already living there at the moment. However, if that area is already packed with White yuppies, then the police won’t tolerate the typical Section-8 renter activities—the Section 8 bums will be out of there in a New York minute. And, unfortunately, dumped into the South Side.

      Expect Success!

      • mobile68 says:

        The areas you mention just didn’t happen just because of Ray Ray, Pookie & ’em. They were aided and abetted by a “brotha” named Terry Peterson.

        http://www.chicagonow.com/blogs/one-story-up/2009/09/new-cta-chief-terry-peterson-has-ties-to-public-housing-corruption-scandal.html

        This is why I’m so done with the black community. No matter what class group w/in the “community” one thing is guranteed, be expected to have some kind of crime committed to you if you are an AA by an AA.

      • mobile68,

        The reality is that white-collar criminals are not breaking into people’s homes, robbing, raping, carjacking or killing them. I don’t believe in AAs’ kneejerk habit of trying to draw a false equivalence between violent BM criminals and nonviolent white-collar criminals. [I’m NOT saying that you’re doing this.]

        Now, if this shady AA politician had something to do with steering Section 8-wielding former public housing residents into Chatham, South Shore, etc. then I would add him to the list of people to blame for that. If his corruption had no connection to the dumping of Section 8 bums into previously decent AA neighborhoods in Chicago (and the southern suburbs of Chicago), then I won’t blame him for that.

        It looks to me like Pookie, Ray-Ray—and the Section 8-holding Sheniquas who brought Pookie and Ray-Ray with them—destroyed AA neighborhoods like Chatham and South Shore all by themselves.

        Expect Success!

        • mobile68 says:

          My point is I’m sick of the Terry Peterson type of tools who aid & abett their white masters in trying to tear down decent AA’s just as Pookie, Ray-Ray and the Section 8-holding Sheniquas are all in the name of lining their own pockets.

          I’m tired of having to run from decent AA communities knowing that we’re going to get dumped w/ these destructive creaures. Those white collar blacks tools know not to send those destructive creatures to Wrigleyville or Lincoln Park.

          Most of these destructive AA’s just didn’t magically find their way into these neighborhoods. How did people who were born and raised on the westside of Chicago find their way to the s. suburbs? Most po’ black folks don’t travel far outside of their neighborhoods let alone have ever been downtown.

          Terry Peterson didn’t steer these folks into these neighborhoods all by himself. He had cooperation from other self-hating negroes, such as the alder(wo)men, the famous pastors, and s. sub. mayors to let Pookie & em transistion into what was nice middle class black neighborhoods. Mighty funny you don’t see Ray-Ray & ’em flooding into predominately white upscale neighborhoods where there are jobs & decent shopping. Why is that? HMMMM

          That’s why we had to move out of our 1st neighborhood in the s. sub because of the influx of these destructive creatures. The black mayor of the town that we lived in did not put a cap on how many section 8 holders were allowed to come into our city despite the resident protests. Then the working & educated & “good” black men who lived in the area were too scared to stand up to the few destructive creatures so the neighborhood became overan w/ the Ray-Rays & ’em. Add to that the black mayors allowing Habib & ’em open up liquor stores, Korean-ran beauty supply stores and non-tax paying churches on every other corner. Some liquor stores were opened up right next to day care centers. I could’ve stayed in the city for all that drama.

          So we ended up moving to a sub. not too far from where we were. It don’t have apartments, liquor stores, or laundromats. And the white mayor got a strict limit on how many people on section 8 can rent houses here. And they are quick to fine owners of the property if either the housing inspector is driving around see that the property is unkempt or if the neighbors call and complain. For the houses that are in forclosure, you really wouldn’t know it if it wasn’t for the signs posted in the windows. And the police prescence is no joke. You see the pride that the people take in their houses. Their cars don’t look more expensive than the house. The people are active in the community. There are grocery stores that sell fresh food. No Arab fast food joints on every other corner. And guess what? The population is over 60% black! We are refugees from those neighboorhoods that became overran with those AA destructive creatures from the ‘jets.

          But it’s like you’re on a island surrounded by vultures. The school where my daughter goes to has kids coming in from those surrounding jacked up neighborhoods that has been infected w/ those destructive creatures. I’m not going to even get into the screwed up school board ran by some over-paid negroes. I’ll just say some of the things they do there that I had to curse them out about I know you would not see in a an upscale community. Since they took over, that school has been on academic warning for the last 3 yrs. Other than that it is a nice community.

          Having said all that though, it’s time for me to move on. I’m tired of driving 30+ miles to go to work. And I want my daughter to be in a better school district and in a community where her chances of getting a job are greater than where we’re at now. And for her to experience other cultures and activities because the world is getting bigger.

          So that’s what I mean about Pookie, Ray-Ray and Sheniqua. It’s black-on-black crime all the way around.

          I would like to also add to the list what I learned from a dear friend of mine. Don’t buy property in a neighboorhood that you wouldn’t live in yourself.

          I ordered your book last week and it can’t come fast enough! I thank whoever (I don’t practice any kind of faith) for allowing me to stumble upon your and other BWE sites. They are literally life savers for me.

          Keep on keeping on. Upward and onward!

        • mobile68,

          I know exactly what you’re talking about; and I feel exactly the same way you do. Over 5 years later, I’m STILL furious about being driven from my childhood neighborhood in South Shore by the Section 8 bums and their violent crime. I loved my childhood neighborhood; I had wanted to stay in the same area. But no…a person’s very life is in danger when Section 8-holding Sheniqua invades and brings Pookie & ’em with her. And I’m not willing to die over staying in that neighborhood:

          1-My parents have had to put rolling, METAL shutters (just like the ones stores in the hood have) on the widows to their house after a recent break-in. Their neighbors are starting to do the same thing. This was after the latest wave of break-ins in that neighborhood.

          I want them to leave that neighborhood, but my parents so far refuse to leave after having lived there for over 40 years. All I can do is pray that this situation doesn’t end in tragedy. Like it did for one of my mother’s former coworkers (they’re both retired). I described what happened during a comment that I made a while back over at WAOD:

          Here’s a headline from May 20, 2010, about another AA who “fought to take back his neighborhood.” The neighborhood he fought to take back is yet another historically all-Black, formerly middle-class neighborhood on the South Side of Chicago. (I’ll also note that this young man’s mother is one of my mother’s former coworkers; this was before they retired):

          “Slain officer fought to take back streets in his neighborhood”

          Chicago Police Officer Thomas Wortham served two tours of duty in Iraq, but his latest battle had been against rising violence in the Chatham neighborhood where he grew up.

          It was a fight he would not survive.

          Wortham was gunned down in front of his parents’ home late Wednesday night as four men were trying to steal his motorcycle, police say.

          Just last week, in an interview with the Tribune, he had decried a recent rash of shootings that forced the alderman of his ward to take down basketball hoops in Cole Park across the street from his parents’ house.

          “It’s starting to feel like it’s expected in this community,” said Wortham, 30, who was president of the Cole Park advisory council and whose grandfather built the home across from the park 50 years ago.

          “When people think of the South Side of Chicago, they think violence. In Chatham, that’s not what we see. It’s happened, and we’re going to fix it, so it doesn’t happen again.”

          Wortham was planning to literally take back the park.

          “After the last shooting in the park (in late April) we were going to take back the park on the first 80-degree day,” Ald. Freddenna Lyle (6th) said hours after learning Wortham had been killed. “That was this week. We are not going to give up the park to the thugs. The residents were going to converge there with lawn chairs.

          “This is a tragedy. This young man survived two tours in Iraq, and came home and got murdered on the streets in front of his house that he grew up in,” said Ald. Lyle, who has known the officer and his family for years. “In front of his father, it’s just unbelieveable.”

          Wortham’s father, also named Thomas Wortham, is a retired Chicago police sergeant and, like his son, was a military veteran, according to neighbors. His mother, Carolyn Wortham, is a retired Chicago Public Schools teacher.

          Both father and son grew up across the street from Cole Park, a cornerstone of Chatham, a neighborhood that is home to judges and teachers, cops and a former Chicago mayor.

          By the statistics, the streets around Cole don’t reflect a surging crime problem. But after a recent rash of armed robberies, Gresham District Commander Eddie Johnson assigned officers to solve the spree. A man suspected in 15 armed robberies was arrested two months ago.

          But gangs have closed in on the area over the last couple years, Johnson said. And because gangs tend to claim public spaces such as parks, the shootings at Cole have been a cause for concern.

          “We need to be proactive now to prevent it from becoming a full-blown conflict,” Johnson said just last week. “The police can’t be there all the time, but if we all work together — the police, the community, the elected officials — all of us together … can make a difference with it.”

          In an interview with the Tribune in 2009, Wortham’s parents said they believed the close-knit atmosphere of the neighborhood — with strong block clubs, community organizations and churches — would prevail over the rising crime.

          “On my block, people watch out for one another, care about each other. We basically have a really strong sense of community,” Carolyn Wortham said.

          http://www.chicagobreakingnews.com/2010/05/slain-officer-fought-to-take-back-streets-in-his-neighborhood.html

          2-There was a point when Pookie & ’em would bring ladders, climb on top of decent, law-abiding homeowners’ houses… and use the roof of decent people’s houses as sniper positions—to shoot at rival gangbangers walking down the streets.

          AA seniors and other decent AA homeowners were finding (stolen) ladders propped up against their houses in the mornings. You see, at night Pookie & ’em would fire a few shots from the roofs of people’s houses and then run off when there was return gunfire. This is why there were police helicopters in frequent rotation in the skies over my childhood neighborhood a few summers ago.

          You said, “My point is I’m sick of the Terry Peterson type of tools who aid & abett their white masters in trying to tear down decent AA’s just as Pookie, Ray-Ray and the Section 8-holding Sheniquas are all in the name of lining their own pockets.

          I’m tired of having to run from decent AA communities knowing that we’re going to get dumped w/ these destructive creaures. Those white collar blacks tools know not to send those destructive creatures to Wrigleyville or Lincoln Park.

          Mobile68 already knows this, but let me give an example of what she’s talking about for the non-Chicagoans in the audience. A now-imprisoned, former alderman, BF creature named Arenda Troutman is a good example of the white collar Black “tools” that Mobile68 is talking about. From Wikipedia:

          Troutman had also come under scrutiny on numerous occasions for ethical lapses in her career as alderman. In 2004, it was revealed she may have been dating Donnell “Scandalous” Jehan, the #2 leader of the ______________[Khadija speaking: I deleted the name of a local, murderous Negro slave street gang—no publicity for scum] street gang, who had fled the FBI after being indicated in a $350,000+/week drug operation in Troutman’s ward. Jehan had been seen driving Troutman’s car. A letter from Chicago Police Patrol Chief James Maurer to Troutman on police letterhead was found in the FBI raid on Jehan’s home. Troutman commented that she thought he was “a businessman” and that she let “everybody” drive her car.

          . . . On Monday, January 8, 2007, Troutman was arrested and charged with accepting a bribe from a federal informant as part of an undercover investigation. After she refused to open the door and allow the agents entry, FBI agents had to break a window to gain entry to Troutman’s home.

          . . . Troutman is the first female alderman to be charged while still in office. The last alderman to be convicted of a crime was Percy Z. Giles in 1999. Since 1972, 26 Chicago aldermen have been convicted of crimes.

          On August 6, 2008, Troutman pleaded guilty to one count of mail fraud and one count of tax fraud for filing a false return. On February 17, 2009, she was sentenced to four years in prison, stating “With God as my witness, I am not a monster.” She has been ordered to begin serving her sentence June 1, 2009.

          This is all aided and abetted by apathy from so-called “responsible” AAs; as described by Mobile68 when she said:

          “Terry Peterson didn’t steer these folks into these neighborhoods all by himself. He had cooperation from other self-hating negroes, such as the alder(wo)men, the famous pastors, and s. sub. mayors to let Pookie & em transistion into what was nice middle class black neighborhoods. Mighty funny you don’t see Ray-Ray & ‘em flooding into predominately white upscale neighborhoods where there are jobs & decent shopping. Why is that? HMMMM

          That’s why we had to move out of our 1st neighborhood in the s. sub because of the influx of these destructive creatures. The black mayor of the town that we lived in did not put a cap on how many section 8 holders were allowed to come into our city despite the resident protests. Then the working & educated & “good” black men who lived in the area were too scared to stand up to the few destructive creatures so the neighborhood became overan w/ the Ray-Rays & ‘em. Add to that the black mayors allowing Habib & ‘em open up liquor stores, Korean-ran beauty supply stores and non-tax paying churches on every other corner. Some liquor stores were opened up right next to day care centers. I could’ve stayed in the city for all that drama.

          …So that’s what I mean about Pookie, Ray-Ray and Sheniqua. It’s black-on-black crime all the way around.”

          I hear you. I won’t even start talking about the cast of AA clown politicians who say they’re running for Mayor of Chicago…it’s all sickening.

          Mobile68, thank you for your kind words about the blog and support; I truly appreciate it.

          Expect Success!

          • MsMellody says:

            Oh Jesus Preach Khadija Preach!! And a hallelujah shout out to Mobile 68!!

            Speaking on behalf of my beloved city – this is the absolute truth about the foolishness going on with the tearing down and roach scattering that is going on with old CHA housing and residents.

            I want to add a story;

            One day about 7 years ago when I was at work, I received a frantic call from my mother. I went in a hurry to take her phone call. When I got her to calm down, she was telling me that there was a new neighbor out in front of his home pulling cans,garbage, old Micky D’s containers and just trash and sh*t ( her exact words lol!!) from his car and just DUMPING it on the street and sidewalk right in front of the house he JUST MOVED INTO!!!

            Now – I had already known that this house was formerly owned for ALL MY CHILDHOOD by a very nice couple. THis couple had long sinced passed and THEIR children had married, had kids and long since moved out. But they had rented the house on several occassions. And that this particular year they were trying out the Sect 8 route.

            Well obviously as I tried to calm my mother during this phone call – my mother had NEVER seen anyone do such a thing. ANd especially on OUR block. I calmed her as best I could and reminded her of when I had made these same kind of calls to her when I had worked in the Northside Housing Project of some infamy ( Cabrini Green ). I reminded her that I had seen these same actions and it was simply because this young man was ACCUSTOMED to doing this kind of activity. That he had no doubbt done this kind of thing ALL HIS LIFE while living in the projects!!

            He was ACCUSTOMED to having the janitorial service ( or lack of janitorial service ) come behind his nasty lazy a** and clean up after him,his family and friends. She was just astounded and just went on and on and told me his every move. She had her cordless phone and I could hear her over the phone pushing back the blinds to have a better look..I cautioned her and told her calm down mama this is just how they have been conditioned.

            I told her that I am sure after a time that they would be more “accustomed” so to speak with living in a home in a residential area and that they would eventually learn from just looking around and seeing that no one else on the block did such a thing.

            Was I right? ::wait for it:: Hell no I was NOT RIGHT..they eventually almost burned down that house, and after a summer and fall of their antics, they eventually were evicted and have since moved on.

            So Khadija as you are well aware—it has been a nightmare that Terry Peterson created/mismanaged for all the residents of this beautiful city!! And as the final phases have been completed for the destruction and demolition of other CHA housing..many many communities from Auburn Gresham, South Shore to the South Suburbs of Matteson, So Holland and on out to Crete and Beecher are beginning and in a real drastic sense continuing to feel the effects.

          • MsMellody,

            Thank you for your kind words and support; I truly appreciate it.

            {sigh} I could do a very long primal scream just about how the Section 8 human-roaches mishandle their garbage. I’ll only mention one of zillions of tales about this aspect of typical Section 8 human-roach behavior.

            A friend of mine lives on a major South Side street that has a CTA bus line that runs down the street. Of course, each house and apartment building has city-provided huge, lidded plastic garbage bins in the back (in the alley).

            To clarify for non-Chicagoan readers, Chicago has (mostly paved) alleys that run behind each building on a block. The Chicago Streets & Sanitation garbage trucks roll through each week and empty the residents’ garbage bins in the alley into the garbage truck; and dispose of the garbage.

            The City of Chicago also provides large trashcans on the sidewalk of major, busy streets. Usually something like one every block or so, on each side of the street—near a bus stop on the street.

            Now, back to what the Section 8 human-roach who lives on my friend’s block does with his household garbage each week:

            Instead of putting his household garbage into the garbage bins in the alley behind his home—like normal people do—each week this 30-something-year-old AA male Section 8 human roach:

            1-loads his 30 gallon-sized plastic bag of garbage into the back seat of his car;

            2-drives halfway down the block with this garbage bag in his car;

            3-dumps the 30 gallon-sized plastic bag of garbage into the city trashcan near the bus stop. Thereby automatically filling the trashcan near the bus stop.

            Which means that when passengers get on/off the bus and want to dispose of garbage, the trashcan near the bus stop is already filled to the brim with this Negro’s personal household garbage.

            Which means that many of the passengers getting on/off the bus at the bus stop throw their garbage down onto the sidewalk. Or onto the front lawns of the homes near the bus stop.

            Which means that the homeowners on that street find themselves constantly cleaning up mounds of garbage from their sidewalks or front lawns. {seething}

            I won’t get into the Section 8 human-roach fetish for broken glass—created by throwing liquor bottles against the sidewalk…{more seething}

            Expect Success!

  18. Neecy says:

    I love this site!

  19. HR Professional says:

    I made my bed, now I have to lie in it. We bought a piece of property (hereto, and forever after known as the albatross) about seven years ago in an all Black area. I was “tryna to give back to my people”, cause I knew all they needed was a chance. Somebody to show them that being young, Black and successful was achievable. That, I now see, was my first mistake. You can not be idealistic in dealing with money.

    My first tenants were wonderful people. However, the last set was an unmitigated disaster. Her husband “lost” his job. I never saw him trying to find it. She was working FT and going to school. He was hanging with his buddies, being a bad Mr. Mom. Their kids. Wow. The kids were ill mannered, fought each other and other people and did damage to my property and others’ property in the neighborhood.

    In the beginning, I started off by being soft-hearted because of her husband’s lack of work. I would let her pay a week late. I would allow her to write postdated checks. Then WE had a small life changing crisis of our own, so we were fearful if we changed the situation we would lose their rent or we believed they just might “tear the club up”, for real, if I changed the situation. I think she could “smell” the fear. Their behavior became atrocious. I know, I know, second and third mistakes.

    We still own the albatross. Our crisis has passed and thankfully, even after those folks left we can still make the payment. While the place is not a true wreck, we do have to paint and lay new carpet. I pray to have everything finished by June. We do not currently have tenants living there, but I guarantee, when we do… let’s just say we have learned our lessons.

    If anyone is interested, the way we have been able to continue to pay on the rental property while still maintaining our household, is to break the payments into 3 payments per month. In other words, if the mortgage is $500.00, divide by 3 payments of $166.66. It has helped us to maintain our home and still pay on the rental. By doing it this way for us, it makes the mortgage manageable. We have been doing this over a year and the mortgage company has credited the payments in full.

    Does anyone have any ideas about effective recourse on disgruntled tenants who damage rentals? I have heard horror stories, but I know there has to be a way damages can be recouped.

    • HR Professional,

      You said, “I made my bed, now I have to lie in it. We bought a piece of property (hereto, and forever after known as the albatross) about seven years ago in an all Black area. I was “tryna to give back to my people”, cause I knew all they needed was a chance. Somebody to show them that being young, Black and successful was achievable. That, I now see, was my first mistake. You can not be idealistic in dealing with money.”

      Everybody has their own view. I feel that a business owner can be idealitic with how they use the PROFITS from their business. But a business owner—and especially a Black business owner—can’t afford to be idealistic about how they go about earning profits in their business.

      To put it bluntly, I feel that once you’ve got the profits safely in hand, then you can do whatever you want with it. Including donating some of the profits to idealitic charities, if you wish. But the first step is to successfully get the profits in hand. And you’ve got to be stern and firm in your methods of acquiring the profits.

      You said, “In the beginning, I started off by being soft-hearted because of her husband’s lack of work. I would let her pay a week late. I would allow her to write postdated checks. Then WE had a small life changing crisis of our own, so we were fearful if we changed the situation we would lose their rent or we believed they just might “tear the club up”, for real, if I changed the situation. I think she could “smell” the fear. Their behavior became atrocious. I know, I know, second and third mistakes.”

      Yes, tenants can “smell” a landlord’s fear. And once they smell fear, they act accordingly.

      You said, “We still own the albatross. Our crisis has passed and thankfully, even after those folks left we can still make the payment.”

      Praise God!

      You said, “While the place is not a true wreck, we do have to paint and lay new carpet. I pray to have everything finished by June. We do not currently have tenants living there, but I guarantee, when we do… let’s just say we have learned our lessons.”

      Onward and forward to enduring financial victory!

      Expect Success!

  20. Hodan says:

    great advices and tips, my brother and I are thinking of buying some of the endlessly emerging new property across the province and renting it out. Even though we don’t have many of the damaged section 8 like neighborhoods and characters, these lists will help anyone trying to make a success out of it.

  21. Faith Dow says:

    I don’t usually listen to Focus On The Family propaganda rhetoric but there was a show I caught the last 10 minutes of that pointed to one aspect of this conversation on the radio today. The minister said pastors are a liability when it comes to properties! That stopped me in my tracks. He went on to say how people would throw out all common sense if they saw someone with a business card that had the fish symbol by assuming the person was holier-than-thou. He also went on to say how (so-called) Christians were the worst judges of character and were easily led astray into falling for Ponzi schemes and the like. My jaw was on the floor.

  22. Hodan,

    Thank you for your kind words; I truly appreciate it.
    _____________________________________________________

    Faith,

    You said, “He went on to say how people would throw out all common sense if they saw someone with a business card that had the fish symbol by assuming the person was holier-than-thou. He also went on to say how (so-called) Christians were the worst judges of character and were easily led astray into falling for Ponzi schemes and the like. My jaw was on the floor.”

    I’m glad he told the truth about that behavior pattern. The same gullibility applies to “orthodox” AA Muslims—whatever common sense is thrown out the window when dealing with self-proclaimed imams and religious scholars.

    Expect Success!

  23. Karen R’s advice to scope out a prospective tenant’s current residence might be a good way for landlords to avoid prospective tenants–no matter where you own property–who are hoarders. A hoarder as a tenant would be a lose-lose situation for all involved–a tenant with mental issues (who might have a steady job and income) who nonetheless makes a gigantic problem for the landlord and neighbors, a mess you’d have to pay to clean up after and repair, even after the tenant is gone.

    I’m thinking not just of the tv program Hoarders (a morbidly fascinating show), but also of a recent situation in DC where a black woman from Venezuela who was evicted for nonpayment of rent had a HUGE hoard, which took up the sidewalk on both sides of the street when taken out of the house. (See http://www.tbd.com/articles/2010/09/d-c-hoarder-marshals-find-unbelievable-amount-of-stuff-at-columbia-heights-eviction-13180.html for details. Absolutely incredible.) Again, while this lady was unemployed, there are many hoarders who hold down steady jobs, live in a variety of neighborhoods, and most don’t have random people coming in at all hours of the day and night.

    So, you’d do well to inspect the outside if possible, and check to see if there are tons of bric a bracs in the windows (or other stuff in the window that’s not exactly neat or homey looking), or whether all the blinds are closed, even on a sunny day, as these can be clues that a hoarder might be living there.

  24. Shecodes says:

    Faith said: “pastors are a liability when it comes to properties” — and this is absolutely right. Both my father and my brother are pastors of our church, and my family is in the final stages of building a beautiful 100 unit senior’s residence (
    http://www.livingspringscampus.com), although it is lower income, it’s quite luxurious — and it will be finished in December.

    In a family meeting four years ago, I went ballistic when my brother suggested that we run this facility ourselves. I saw that plan destroying our finances, our health, and our family. I managed to get mom to see the light, and now we have a reputable management company that will run EVERYTHING.

    They are interviewing tenants now, and from what I understand they are visiting applicant’s CURRENT homes. There will be staff in the lobby at all times, and potential mooching grandsons will be stopped dead in their tracks.

    We have had quite a few white applicants, but many seniors from our church want to live there as well (I hate this idea… if they can’t pay their rent, they will go crying to my daddy! They KNOW if they come to me or my mom they are going to be OUT OF LUCK.).

    Just pray for us y’all… or send ‘happy thoughts’ if you aren’t religious…

    • Shecodes,

      I wasn’t able to get through on the direct link you provided, but I did read a press release about the facility. http://www.prweb.com/releases/2009/09/prweb2882864.htm

      Guurl, it sounds wonderful! I was especially impressed with particular aspects of the planned development:

      “We are so grateful for the community’s support of our vision to bring affordable housing to the elderly,” said Aubrey Fenton, Executive Pastor of Abundant Life Fellowship, who noted that there is a great need for such housing, especially during these difficult economic times. “The church has already been receiving a steady stream of calls from seniors interested in making their home at Living Springs,” Fenton said.

      Construction on the $20 million development, financed primarily with Low Income Housing Tax Credits, is expected to start in November. Marlton-based Michaels Development Company, one of the nation’s top affordable housing developers, will serve as the co-managing partner on the project, which when complete will offer 120 residential units, including 20 specifically for individuals with disabilities. In addition, the Living Springs Campus will house 64,000 square feet of commercial space.

      According to Fenton, Our Lady of Lourdes Medical Center of Camden has already committed to taking more than 16,000 square feet where they will operate a regional medical center that will serve Living Springs’ residents as well as the larger community.

      . . . Once built, the Living Springs residential community will be managed by Interstate Realty Management, Michaels Development’s sister company, which has a national reputation for its award-winning social services, such as health and wellness programs and computer training specifically geared toward seniors.

      . . . About the Michaels Organization: Headquartered in Marlton, NJ, The Michaels Organization is a family of companies dedicated to excellence in affordable, mixed-income, and military housing. Since its founding by housing pioneer Michael J. Levitt in 1973, the Michaels Organization has developed, financed, or acquired more than 40,000 apartments, and currently manages 33,000 units in 26 states, the District of Columbia, and the U.S. Virgin Islands. Its companies include the Michaels Development Company, Interstate Realty Management, and Michaels Military Housing.

      You said, “They are interviewing tenants now, and from what I understand they are visiting applicant’s CURRENT homes. There will be staff in the lobby at all times, and potential mooching grandsons will be stopped dead in their tracks.”

      Right on! I’ve heard too many horror stories of Black seniors living in fear inside a facility for seniors because some other resident’s nephew/grandson Pookie has camped out in that resident’s place. I’ve also heard horror stories about facilities for the seniors and the disabled that were terrorized by the “paralyzed due to gunshot wound,” wheelchair-bound BM gangbangers—AND their visiting gangbanger friends—that were allowed to live in the facility.

      Shecodes, I’m sure your family will keep up the outstanding good works you’ve been doing. And I’m praying for y’all! 🙂

      Expect Success!

    • MsMellody says:

      Hi Shecodes,

      I read the press release at the link Khadija provided, I just think that is so GREAT!!

      Shecodes, what a blessing you and your family have provided. And I thank you for making sure your family saw the light ( so to speak) about having a professional management company oversee the day to day ops, finances, security etc.

      Having a professional mgmt company oversee the ops will definitely ensure that your family stays intact.

      In closing I will definitely be sending positive thoughts vibes and vibrations your way!!

      Great job Shecodes.

  25. Shecodes says:

    Correction: our building is ‘mixed use’, not low income. We will allow 5 low income units (and they will not necessarily be Section 8).

  26. Shecodes says:

    Thanks Khadija & MsMellody…

    I printed this post out and plan to have my family read it. (Khadija, this is my favorite blog but I seldom have time to respond. Please keep up the good work!)

    • Shecodes,

      That’s mighty high praise coming from you. {blushing} You’re one the BW blogger pioneers that I try to imitate and follow behind with this work.

      I wouldn’t have started blogging, written the book, or done countless other projects if it hadn’t been for your work as well as that of the other BW blogger pioneers.

      Shecodes, THANK YOU so much for the example you’ve set, your kind words, and your support. I truly appreciate it! 🙂

      Expect Success!

  27. not a slouch says:

    Please, keep in mind that there are some section 8 people who keep up their rental apt. or house.

    • Not A Slouch,

      Oh, puh-leeze. The handful of exceptions don’t erase the rule. The general—and widely observed—rule is that Section 8 tenants are BAD NEWS. Bad news for the landlord, and bad news for their neighbors. In fact, Section 8 tenants tend to destroy the neighborhoods they invade.

      Expect Success!