Fair Housing
A Mississippi landlord's application process requires applicants to provide proof of income equal to 3 times the monthly rent. A single mother receiving housing assistance (Section 8) voucher applies and is denied because her voucher income does not meet this threshold. This denial may be:
ALegal since income requirements are standard practice
BA potential source-of-income discrimination, and depending on whether Mississippi or local law protects housing voucher holders, may constitute familial status discrimination if applied only to families✓ Correct
CLegal since the federal Fair Housing Act does not protect voucher holders
DA permitted business decision with no fair housing implications
Explanation
The federal Fair Housing Act does not explicitly protect source of income (housing vouchers), but some state and local laws do. Additionally, blanket policies against voucher holders may have a disparate impact on families with children (familial status) or racial minorities, potentially violating fair housing laws through disparate impact.
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Key Terms to Know
Fair Housing Act
Federal law prohibiting discrimination in the sale, rental, or financing of housing based on race, color, national origin, religion, sex, disability, and familial status.
RedliningAn illegal practice where lenders or insurers deny services or charge higher rates in certain neighborhoods based on the racial or ethnic composition of those areas.
Debt-to-Income Ratio (DTI)A lender's measure of a borrower's monthly debt obligations relative to their gross monthly income, used to evaluate loan eligibility.
Gross Rent Multiplier (GRM)A quick valuation metric for income properties calculated by dividing the property price by gross annual rental income.
Math Concepts
State-Specific Concepts
DRE Regulation
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