Don't bother about landlords. They are rich. They don't really need their tenants to cover rent. I get so frustrated with the closed-minded advocates who find it difficult to observe how an activity which may benefit one group, hurts others. They wish to push their agenda, irrespective of the cost.
According for some housing advocates, the recent CDC Eviction Moratorium does not do enough to help, and it must be the burden of the landlord to find government support while the tenant has the capacity to miss rent payments with no recourse. Do these folks not realize that many landlords own significantly less than three units and NEED rent to fund maintenance, taxes, insurance and mortgage payments? What are the results to their property when they stop paying their mortgage?
Early last month the CDC used its'powers to enact a moratorium stopping landlords from evicting their tenant for nonpayment of rent. This moratorium is good through the finish of the year, with the possibility of extensions. The CDC can do this because they claim this is simply not about supporting people in need financially (which isn't their job) it is to slow the spread of COVID-19 (which is their job). I applaud them for recognizing the risks of homelessness and compact living situations with the spread of the virus, but what I don't understand is just why the burden falls on the little "mom and pop" landlords? Here would be the often-misunderstood details of the recent Eviction Moratorium.
With very little exception, every tenant qualifies for eviction protection!! To qualify, the tenant only needs to meet two requirements.
Attempt to have government support to cover rent.
Make significantly less than $99,000 in a year for just one taxpayer or $198,000 for dual income families.
I struggle with the second requirement, because that's more income than a lot of people that make their payments earn in a year. In line with the CDC, in order to afford a 2-bedroom home in the absolute most expensive market in the united kingdom, the household needs to create $80,621 per year. That could keep rent at 30% of the household income. Because the CDC referenced the 30% of income number, their guidelines to qualify because of this moratorium means that the household that's protected from eviction could make rent payments of almost $5,000 per month. See why I say virtually every tenant qualifies? All my tenants certainly do.
Sound bad? It gets worse. The procedure to prevent you from evicting them for nonpayment is quite simple. All that's required is for the tenant to give you a signed declaration. They are able to understand this declaration online, sign it, and send it for your requirements and stop you from evicting them. Notice how I didn't mention that they need to prove they tried to have support, nor do they need to prove that they really require it? It is very important to notice that this really is just for nonpayment, so if you have a tenant that's breaking rules, causing trouble, or is just outside the lease term, you are able to still evict. It can also be good that this is simply not a forgiveness of rent, or at the least that's the theory, it is really a hold on the eviction. The tenant will still owe all rent and late fees and you, as the landlord, will still get the chance to get that at some point. All the best with that!
My advice would be to start the eviction if you didn't get the declaration. If the tenant does not send that for your requirements, they are not protected. I would also suggest dealing with your tenant around possible. If they truly are in need and want to utilize you, let them. An incomplete payment surpasses no payment and helping them keep their home is very important in times like these. Finally, if you have any leases expiring, I would recommend moving those leases to monthly to month. At least until we get past the COVID chaos. Having monthly to month lease allows you to evict based on the lease expiring and not nonpayment.
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