Paul, 51 percent of our renter households are housing-cost burdened, resulting in seventy-five percent of our low-income renter households being housing cost burdened and thirty-nine percent being severely housing cost burdened; andWHEREAS, the Fair Housing Act of 1968 requires that the City affirmatively further fair housing, meaning the City must take meaningful action to overcome historic patterns of segregation, promote fair housing choice, and foster inclusive communities that are free from discrimination; andWHEREAS, in April 2016, the United States Department of Housing and Urban Development issued warning that blanket policies of refusal to rent to people with criminal records could violate the Fair Housing Act if “without justification, their burden falls more often on renters or other housing market participants of one race or national origin over another”; andWHEREAS, as of January 1, 2020, people of color make up 47.9 percent of the MN prison population, but only 15.9 percent of our state population; andWHEREAS, criminal justice research supports that the effect of a criminal offense on a residents housing outcome declines over time and becomes insignificant; andWHEREAS, our current credit scoring system has a disparate impact on people and communities of color, rooted in a long history of housing discrimination and wealth inequities even though credit score itself does not reflect positive rental history or timely rent payments or probability of on time rent payments; andWHEREAS, in 2017 there were an estimated 1,710 residential evictions filed against tenants in the City of Saint Paul; andWHEREAS, E evictions, regardless of outcome, impact a renter’s ability to secure future housing, and Research suggests that “Informal evictions” occurring outside of the court process are occurring at twice the rate of formal evictions; andWHEREAS, the City of Saint Paul has approximately 11,000 units of housing which are considered Naturally Occurring Affordable Housing (NOAH) affordable at or below 60 percent Area Median Income and NOAH buildings are most at risk for ownership changes; andWHEREAS, historical and ongoing discrimination in housing makes tenant protections a fair housing, racial equity and economic justice imperative; now, therefore, be it RESOLVED, that the Council of the City of Saint Paul does Ordain:Section 2Chapter 193 of the Saint Paul Legislative Code is hereby created to read as follows: Sec. 193.01 Definitions.For the purposes of this Chapter, the following terms shall have the meaning ascribed to them in this section. (1)(2)Affordable Housing Building shall mean a multiple-family rental housing building having five (5) three (3) or more dwelling units where at least twenty (20) percent of the units rent for an amount that is affordable at no more than thirty (30) percent of income to households at or below eighty (80) percent of area median income, as most recently determined by the United States Department of Housing and Urban Development for Low Income Housing Tax Credit (LIHTC) purposes, as adjusted for household size and number of bedrooms.Affordable Housing Dwelling Unit shall mean a rental dwelling unit in an affordable housing building that rents for an amount that is affordable to households at or below eighty (80) percent of Area Median Income, as most recently determined by the United States Department of Housing and Urban Development, as adjusted for household size and number of bedrooms.(3) Available for Sale shall mean the earliest implementation of any of the following actions: negotiating to enter into a purchase agreement that includes an affordable housing building, advertising the sale of an affordable housing building, entering into a listing agreement to sell an affordable housing building, or posting a sign that an affordable housing building is for sale.(4) For Cause shall mean that the tenant or a member of the tenant's household materially violated a term of the lease in accordance with Sec. 193.05(a).(5) Cure the Deficiency shall mean that a tenant pays all monies rightfully owed, or fully complies with an order to correct a lease violation or notice to cease an activity that is in0) violation of a lease.(6) Displacement Dwelling Unit shall mean the dwelling unit from which a tenant was displaced pursuant to Sec. 193.05(5) or (7).(7) Eviction shall mean a summary court proceeding to remove a tenant or occupant from, or otherwise recover possession of, real property by the process of law, pursuant to Minn.

You said she is on social security, and then your intent was to work a scheme with Sec8, in concert with her, for profit. you are aware people go to prison for such things? 

And ask what the closing costs are because FHA notoriously has high closing costs.

Lying on mortgage applications is bank fraud and can trigger severe financial penalties, prosecution and prison time if convicted.

Chicago is notorious for allowing something, but when the practical aspects are put into place it is not feasible, therefore they look like they’re being friendly.Thank you and good luck

If you can afford the mini splits and can live with the single-point source (i.e. to heat/cool the place all the doors need to be open), much better:1) Your tenant gets about 50% off his electric in winter2) Your tenant gets A/C and you get dehumidifier which keeps moisture down3) Baseboards are notoriously inefficient and usually get a sofa shoved in front of them4) If electric and not regularly cleaned, I think they're a fire hazard.

If the person is referring to no longer being in prison, that would be an ex-convict.

Second, you're in Oakland and they're notoriously tenant-friendly. 

@Joe Splitrock You are absolutely right, it is a risk-- I know, everyone in prison is innocent too.

Or has he been convicted/sentenced for a serious felony and is going to prison for a number of years?