The city of Detroit, my hometown, can be akin to the Wild Wild West when it comes to basic things such as the buying, selling, renting, and maintaining of property. Local ordinances and state laws tend to be biased towards landlords and/or the wealthy.
Because Detroit is physically a huge place, six times larger than Manhattan, twice as large as Brooklyn, and about one and half times the size of Boston, the relevant regulators lack the time or resources (or often the interest) to catch enough bad actors to enforce compliance.
As drivers know, the mere knowledge that police whom you see and don't see are occasionally watching you can "convince" you to travel at or around the posted speed limits. But if people knew that police generally weren't watching or could only give $5 tickets when they caught someone doing 95mph, then more and more people would speed.
Many Black Detroit homeowners are caught in a vicious cycle. They weren't earning a lot thanks to job market discrimination. Banks also discriminated against Blacks by trapping them into mortgages with higher interest and fees than their credit scores justified. This left them with less money available to repair their homes or ride out job loss or medical emergencies. Making matters worse the City of Detroit maintained very high property taxes to try to make up for white flight and increasingly black flight. When downturns occurred many Detroiters ended up losing their homes and had to become renters. Many then became tenants of people like Michael Kelly.
Darlene Spells let out an exaggerated sigh as her son Corey peeled away the black tarp lining the front wall of the living room. Behind the plastic, where one would typically expect some sort of plaster sheeting, thin slats of wood lay stacked like rotting Lincoln Logs.
"Corey, show the bathroom too!" Spells directed from her bed in the room next door. Upstairs, more slats of wood peeked out below the shower head. The real damage, however, was only really understood when standing in the downstairs kitchen, where a yellow stain metastasized across the wood-fiber ceiling. The leak had been going on for years, she said.
Because many of my older relatives, friends, and people I know in Detroit grew up in racially defined horrible poverty and segregation with plenty of experiences with evictions and racist insults they tend to be, well shall we say, less than sympathetic to incidents where someone is ripping off a landlord. Because Detroit is relatively impoverished with spotty enforcement of criminal and civil codes around housing, health, and waste management many landlords in Detroit have indeed taken the opportunity to screw over tenants and the taxing authorities as often as they can and as hard as they can.
If you want people to internalize such values as respect for other people's property and paying their bills on time then you need to make sure that they have an opportunity to succeed by doing things the right way. If they are shut out of all opportunity they might not have much respect for your property. It's just human nature.
The answer is not to pick one side or another and blindly cheer them on but to create and follow law that is fair both in its execution and its definition. The landlord must be forced to maintain the property and submit to routine unbiased inspections to make sure the property is up to code. The tenant must pay their rent on time and in full. The tenant must have a financial incentive not to wreck or damage the property during the rental period. Pretty simple stuff right? The tenant and landlord have entered into a contract. The state needs to enforce that contract. Both sides should give each other incentives to treat each other well. Win-win for everyone.
Some people make a strong argument for government intervention, whether in the form of tax breaks, incentives, subsidies, or outright cash transfers to help poor or middle class people get on their feet, get job training, start a business, get an education, buy a house or (ahem) get some health care.
The devil is in the details of course but if you're living paycheck to paycheck and/or can't immediately put your hands on $1 million in cash, then I won't begrudge you some form of government assistance. There but for the grace of God go I and yada yada yada. If you are a rich person with regards to income or more importantly in regards to wealth (the top 1% households had a little over $10 million in net worth in 2016)
then I will suggest that you don't need much assistance from any level of government. You likely work for yourself but even if you don't it's rare that the loss of your job will have you sweating and panicking over a missed paycheck in two weeks. There are some people for whom $10 million is nothing special. They might drop that much on weekend gambling ventures, jewelry for their wives or mistresses, rare cars, vacation homes or child support.
A billion is one thousand million. That's ONE THOUSAND MILLION. If you are worth one billion then you or yours don't want for much. Dan Gilbert owns Quicken Loans, Rock Financial, a few casinos and of course the Cleveland Cavaliers. Dan Gilbert is Michigan's richest resident, and likely Ohio's as well when he's in that state. In 2017 Gilbert was number 91 on the Forbes 400 list. Only a few Americans have more money than Gilbert. Dan Gilbert's net worth is approximately 6.3 Billion dollars or to put it another way, 6300 million. There's little that Gilbert couldn't buy or invest in if he so chose. Money is not a limiting factor for Gilbert. So I'm having trouble understanding why the State of Michigan has decided to give a $600 million subsidy to Gilbert for a real estate deal.
Dan Gilbert, the billionaire who has overhauled downtown Detroit by resurrecting historic buildings, sealed one of his biggest Motor City deals yet by getting final approval Tuesday for a $618 million tax incentive plan.
Detroit is making something of a comeback. Or to be more precise, certain areas of Detroit are making something of a comeback. The downtown area and the area just north of downtown formerly known as either the University District or the Cass Corridor and now rebranded as Midtown have attracted a lot of business investment, police protection and new residents and customers from the suburbs and other places. And certain high profile neighborhoods (Indian Village, Boston-Edison, Palmer Woods, etc) have seen bidding wars for area homes. However those sections of Detroit have always received a fairly outsized amount of attention and resources, even under previous mayors. Those areas were like Detroit's living room. If you have guests over and don't have time to clean or repair the entire house, then at the very least you will clean your living room as that is likely the first area your guests will see and where they will spend most of their time. Hopefully they won't venture into the kitchen where the dirty dishes are stacked or go down the hall to use the smelly bathroom with the leaky faucet and toilet that won't stop running.
The rest of Detroit is still like those rooms in your home that haven't been cleaned up enough to allow important guests to visit. Many of the public schools are a mess. There's still an unacceptably high level of violent and property crime. And there are not enough good paying jobs for an impoverished Detroit population. Many of these problems stem from a vicious legacy and current day practice of segregation and exclusion. In many ways Michigan is Mississippi North. But the specific issue of foreclosures is even knottier. Banks have often discriminated against Black customers, saddling them with loans they can't afford. And because the tax base is so shaky in Detroit the city has been resistant to properly valuing homes. The city and county have overvalued homes in an attempt to strain blood (tax revenue) from a stone (the Detroit taxpayer).
