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    Gen Z Problems: Maxwell Frost Is Struggling to Rent an Apartment

    Other young adults, who have poor credit history and are frustrated with expensive rental application fees, can relate to the housing troubles of the first Gen Zer elected to Congress.WASHINGTON — At 25, Representative-elect Maxwell Frost will be youngest member of Congress. He’s also in debt, after maxing out credit cards to win Florida’s 10th Congressional District seat.He said he was upfront about his bad credit when he applied for a one-bedroom apartment in Washington, D.C., where he now has to live part-time for at least the next two years. A broker, he said, told him that was fine. He paid a $50 application fee and then was denied the apartment because of his poor credit history.Mr. Frost, the first Gen Zer elected to Congress and a Democrat, took to Twitter in early December to voice his frustration: “This ain’t meant for people who don’t already have money.”While most other Gen Zers haven’t accrued campaign debt, Mr. Frost’s housing woes have generated a wide range of commiserating among Gen Z Twitter users who have short credit histories and less capital to afford expensive deposits and application fees.Mr. Frost said he also lost hundreds of dollars last year when he was searching for housing in his home district in Orlando.“Application fees are becoming a source of revenue for management companies,” Mr. Frost said in an interview. “We live in a world right now where you can run an extensive background check for $15, why are fees up to $200? Why do we use a credit score to determine if an applicant can pay rent when there’s so many things that hurt someone’s credit score?”The fees are the sour cherry on top of a brutal housing market: Last month, the typical asking rent in the United States was over $2,000, up from $1,850 in November 2021 and $1,600 in November 2020, according to data from Zillow. For Washington D.C., the typical asking rent was over $2,200 last month, a figure that’s been following the national trajectory.Some Gen Zers see no feasible way to get a place of their own: Nearly a third of people between the ages of 18 and 25 are living at home permanently, one recent report found.Raegan Loheide, 25, started looking for a new apartment with their partner and their current roommate last May. Mx. Loheide, a barista, was living in an apartment in Queens, but said their mental and physical health was deteriorating from a series of maintenance issues that their landlord refused to fix, including a roach infestation, holes in the ceiling, a lack of heat and a broken toilet.“We didn’t feel safe,” Mx. Loheide said.But in the months following, Mx. Loheide, their roommate and their partner applied to five apartments — spending hundreds of dollars on application fees — all of which they were rejected from.“The first rejection was because we didn’t have a third guarantor,” Mx. Loheide said. “I kept asking the brokers ‘why?’ but I barely ever got a real answer.”Eventually, Mx. Loheide felt they had no choice but to stay in their current apartment, even if it meant an emotional toll and more landlord troubles.“We couldn’t move,” Mx. Loheide said. “We kept expanding our budgets and scraping together more to afford to relocate, but what good is that if we can’t even get approved?”Why Landlords Care About Your CreditCredit is one of the tools property owners have to utilize to tell upfront if a tenant will be able to make their rent payments, said Jay Martin, the executive director of the Community Housing Improvement Program, a trade association for 4,000 property managers and owners in New York.“Property owners have a fiduciary duty to figure out that the applicants that they’re screening are going to be able to pay the rent that they are applying for, because they have mortgages that they’ll have to pay with the rent money that they are collecting,” Mr. Martin said.Mr. Martin added that the money from application fees “is not in any way a form of revenue for management companies, brokers or property owners.” The fee, Mr. Martin said, goes toward covering the cost of running the background checks, credit checks and other screening processes.Still, some tactics and motives have drawn criticism.Brokers also may encourage people who will likely get denied from an apartment application to apply anyway, for financial incentives or in hopes of raising their statistics on how many applicants they can bring in, said Felipe Ernst, a faculty member in Georgetown’s masters of real estate program and founder of a D.C.-based real estate development firm.While it can create more competition for an apartment and give a landlord more options to choose from, it can negatively impact potential renters who are already struggling since application fees, which can add up to hundreds of dollars, are almost always nonrefundable, he said.“It’s borderline unethical to put someone in the wringer, knowing that they won’t get approved,” Mr. Ernst said. “But at the same time, you need to have a realistic look on your finances. I don’t go to a Ferrari dealership if I can only buy a Honda.”Vipassana Vijayarangan could not live with her boyfriend as planned because her lack of credit disqualified her from renting an apartment with him.Todd Midler for The New York TimesSettling for a Room or a CouchFor people desperate to rent apartments, they are just searching high and low for somewhere to live.In 2018, Vipassana Vijayarangan had to move to D.C. on short notice for a new job. She stayed in an Airbnb until she had pay stubs for a rental application, and with her partner, she found a suitable two-bedroom apartment to apply to in Washington’s Capitol Hill neighborhood.“I told the agent in an email, ‘I’m very interested in this apartment, but I do not have any credit,’” Ms. Vijayarangan, 31, said. “When I lived in the U.S. on a student visa, I didn’t have — and was not allowed — to get a social security card. So it was impossible for me to even apply for the secured version of a credit card until I had work authorization.”Similar to Mr. Frost’s situation, the broker assured Ms. Vijayarangan that her lack of credit wouldn’t be a problem, but in the end, her application was denied.Ms. Vijayarangan, who now works as a data scientist in New York, eventually rented a room in a rowhouse from an immigrant landlord who understood her situation, she said. But, Ms. Vijayarangan and her partner, an American citizen who had a more established credit history, ended up living apart because he could get approved but she could not. “That could have been the first time that we were living together and building a life together,” she said. “We didn’t get to do that.”Mr. Frost is now the proxy for discouraged Gen Zers, but he is just the latest in the storied tradition of members of congress lamenting the process of finding a secondary residence in D.C. after being elected. Through the years, representatives and senators have opted to split a place with one another or even sleep in their offices to save money.In an interview last week, Representative Alexandria Ocasio-Cortez, Democrat of New York, said that she has previously “dealt with very similar issues.”In 2018, just after she was first elected and was set to be the youngest woman to serve in Congress, she told The Times, “I have three months without a salary before I’m a member of Congress. So, how do I get an apartment? Those little things are very real.”Similarly, Representative Mondaire Jones, Democrat of New York, said he also ran up debt when he first ran for office.“This place is not set up for people who are not independently wealthy,” Mr. Jones said. “People here don’t understand wealth inequality because they’ve not experienced it.”Mr. Frost has a budget of less than $2,000 a month. He’s looking for a studio apartment within walking distance of the U.S. Capitol since he does not intend to have a car or a driver to chauffeur him. His geographic hopes have restricted his apartment hunt to a few gentrifying neighborhoods.Unsure when he’ll finally secure a place to live, he plans to continue couch surfing for a few months to save money and find an apartment in one of his desired neighborhoods.“I was very close to taking out a loan, which would mean spending a lot of personal money to pay back the loan,” Mr. Frost said. “Rent problems are not just mine. There are millions of Americans that have these same problems.” More

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    What to Know About Herschel Walker’s Residency Status in Georgia

    The Republican Senate candidate listed his Atlanta residence on public records as a rental property in 2021, while receiving a homestead exemption in Texas.Herschel Walker, the Republican candidate in Georgia’s Senate runoff, revealed in a financial disclosure statement that his Atlanta residence was being used as a rental property as recently as 2021. Tax and assessment records in Fulton County, Ga., listed Mr. Walker’s wife, Julie Blanchard, as the sole owner of the 1.5-acre property in northwest Atlanta, further undermining the candidate’s narrative about his Georgia residency in the fiercely contested Dec. 6 runoff against Senator Raphael Warnock, a Democrat.On a financial disclosure form required by the Senate for incumbents and candidates, Mr. Walker reported in May that the “Georgia residence” had generated between $15,001 and $50,000 in rental income in 2021 for his spouse. The revelations were reported earlier by The Daily Beast.Here is what to know about the questions surrounding where Mr. Walker lives:Does a candidate have to live in the state they are running to represent? No, though the Constitution requires senators to reside in the state they represent after they are elected.The details about the property in Georgia emerged one week after media reports that Mr. Walker received a tax exemption on his Texas home that is meant for primary residents of the state. Georgia Senate Runoff: What to KnowCard 1 of 6Another runoff in Georgia. More

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    Should Biden Announce That He Won’t Run Again?

    More from our inbox:Solving New York City’s Housing ShortageSolace at the Beach Pool photo by Evan VucciTo the Editor:Re “Hey, Joe, Don’t Give It a Go,” by Maureen Dowd (column, Aug. 7):I can’t agree with Ms. Dowd that President Biden should declare himself a lame duck to protect his legacy. I can’t think of anything more out of his character than that. He doesn’t do things for himself. The nation’s well-being, not his legacy, is his central concern.Ms. Dowd begins by speaking of Ruth Bader Ginsburg, who “missed the moment to leave the stage,” and suggests that Mr. Biden’s time has come to leave. Good lord, he hasn’t even completed two full years in office yet. He has things to do and a nation to serve and protect. Just imagine how luckless he would be if he tried to do that as a lame duck.There’s time for him to leave, but this isn’t it. Maybe in the primaries, but maybe not.Roger CarlstromYakima, Wash.To the Editor:The Biden interregnum will be well remembered for bringing decency and sanity back to the Oval Office. He has come to be that “calming force for a country desperately in need of calming.” However, running for a second term at age 81 ignores the infirmities of age.If he should choose not to run again he would not become irrelevant; he would become a revered elder statesman who lived out his last hurrah on his own terms with renewed dedication and admirable resilience as manifested in his long career of public service. I am reminded of a quote from Orson Welles, who once said, “If you want a happy ending, that depends, of course, on where you stop the story.”Precision timing turns on recognizing the arc of one’s story and heeding the foreshadowed warnings with grace and knowing acceptance.Barbara Allen KenneyPaso Robles, Calif.To the Editor:The insistent chants for President Biden to announce that he will not run for a second term because he will be too old in 2024 is ageism pure and simple.If the “old dude in the aviators has shown he can get things done, often with bipartisan support,” as Maureen Dowd states, why not let him continue trying?Even if Mr. Biden is having second thoughts about re-election, why should he declare himself a lame duck president before it is necessary to do so? Does Ms. Dowd seriously believe that if he takes himself out of the running that “over the next two years he could get more of what he wants and then step aside?” Why don’t we ask the Republicans if they will cooperate?Mr. Biden has shown patience and perseverance. It comes with age and experience. Let us not sideline an old man just yet just because the cry is for “new blood.”Let Mr. Biden decide if and when to declare his candidacy.Eleanor M. ImperatoManhasset, N.Y.To the Editor:Thank you, Maureen Dowd, for saying what needs to be said. President Biden, I have been a longtime supporter and fan. What better opportunity for you to prove you’re not driven by ego but by principle? There is much still for you to accomplish. Make the most of this time. Show the American people a president who, untainted by political aspirations, is making decisions solely based on what’s best for the country.Diane LoveNew YorkTo the Editor:OK, let’s just say for the sake of argument that Maureen Dowd is right and Joe Biden shouldn’t run again. Then who do the Democrats have? We need somebody not just competent and visionary, but electable. That was my reasoning for voting for Mr. Biden in 2020.The Republicans obviously have Donald Trump and Ron DeSantis champing at the bit. I don’t think either of them would have a problem energizing the base.So if not Joe, who do we have?Dylan TaylorPhiladelphiaTo the Editor:Maureen Dowd has written what had to be said. Joe Biden must not run again, and he now has the perfect excuse to make his exit.Ruth Bader Ginsburg was a great example of overstaying one’s welcome. If only she’d retired when she had the best excuse in the world — her failing health — we might not today be living with this dystopian Supreme Court. Dear, dear President Biden: Please remember this and think of the scary consequences of your losing in 2024.It’s time for a younger candidate to take the reins of the Democratic Party. But he or she will need a couple of years to get his message out, and that means that Mr. Biden must announce now that he plans to be a one-term president.I love you, Joe, but you’ve given your all for the party, and it’s time to go.Clare ChristiansenOak Harbor, Wash.Solving New York City’s Housing ShortageTaylor Sicko moved out of New York City during the pandemic after she lost her job and was unable to afford rent. She has a new, remote job — based in New York — but she doesn’t want to move back.Rachel Woolf for The New York TimesTo the Editor:Re “Rising Rents, and No Cure on Horizon” (Business, Aug. 2):Your excellent story rightly diagnoses a major crisis facing the city — a decades-long failure to build enough housing to meet demand — but understates the responsibility that some local elected officials and anti-development activists bear for allowing it to spiral out of control.As noted, the city has committed a record $22 billion for housing — far more than any other city in the country. But all the money in the world won’t build the number of homes we need if local elected officials continue to block zoning changes that add additional density in their districts and NIMBY groups file frivolous lawsuits that delay new construction year after year.The City Council should work with the mayor to implement common-sense zoning changes and embrace opportunities to build new housing in their neighborhoods. Survey after survey has shown that the vast majority of New Yorkers are desperate for more affordable housing that will allow them and their children to stay in the city, and to assure we can retain the talented, diverse work force that makes the city the greatest in the world. It is time we made their wish a reality.Carl WeisbrodNew YorkThe writer is former chairman of the New York City Planning Commission.To the Editor:While elected officials are fighting tooth and nail to rezone neighborhoods, thousands of unoccupied rent-stabilized units sit vacant in New York City. Once a rent-stabilized unit becomes vacant, landlords are not required to rent out unoccupied rent-stabilized units to new tenants. Landlords are often incentivized to warehouse vacant rent-stabilized units, decreasing the availability of affordable housing in New York City.In the current housing market, applicants are entering rental bidding wars for market-rate units while vacant rent-stabilized units sprinkled across the five boroughs collect dust.Dena RosmanNew YorkSolace at the Beach To the Editor:Re “The Joys of Swimming While Fat,” by Phoebe Wahl (Op-Art, Aug. 13):Thank you so much for publishing a graphic depiction of a fat mommy who “risks” showing her body, her “redness and chafing and sweat” at the beach. She finds solace and peace swimming where she feels totally herself. Her struggles with internalized shame float away. No small feat!I can’t wait to share this with my life issues group for women who binge eat as a survival skill. Well put, Ms. Wahl. As women we need to stand up to “the burdens of patriarchy and society’s judgments” all the time!Arden Greenspan GoldbergNew YorkThe writer, a licensed clinical social worker, is a certified eating disorder specialist. More

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    Rent Board Votes for 3.25% Increase on One-Year Leases

    Two million New Yorkers who live in rent-stabilized apartments will be affected by increases approved at a raucous meeting of the Rent Guidelines Board.Good morning. It’s Wednesday. We’ll look at rent increases that are on the way for two million New Yorkers. We’ll also catch up on the final debate between the Republicans running for governor.Seth Wenig/Associated PressTo the list of items that cost more in 2022 than in 2021, add rent in New York City.As expected in a year when other consumer staples like food and gasoline have surged, the panel that regulates rents in the city approved increases for tenants — 3.25 percent on one-year leases and 5 percent on two-year leases.Housing advocates had pressed for a rent freeze or even a rollback, while landlords had argued that buildings would inevitably deteriorate unless rental income kept pace with expenses. The increases cover about one million rent-stabilized homes, which account for about 28 percent of the city’s housing stock and 44 percent of the rentals.The rent board session was raucous, with audience members blowing whistles and shouting slogans like “housing is a human right.” When the board chairman, David Reiss, outlined the reasons for the increases, dozens of people stood up, turned their backs to him and chanted, drowning him out.The 5-to-4 vote was a setback for tenants, as Mayor Eric Adams acknowledged in a statement after the vote. He said the increases would “unfortunately be a burden to tenants at this difficult time — and that is disappointing.” But he also expressed sympathy for small landlords who he said “are at risk of bankruptcy because of years of no increases at all.”The vote by the board was the first since Adams took office, and as my colleague Mihir Zaveri writes, the board took a different approach than it had under Adams’s predecessor, Bill de Blasio. The highest annual increases during his time in City Hall were 1.5 percent on one-year leases and 2.75 percent on two-year leases.But with the average rent on a newly leased Manhattan apartment reaching $4,975 in May — up 22 percent from 2021, according to the real estate firm Douglas Elliman — the rent-stabilization system has become a crucial source of affordable housing. The median monthly rent for rent-stabilized apartments is $1,400, according to a recent city survey, compared with $1,845 for unregulated homes. And the median income for people living in rent-stabilized homes is about $47,000, compared with $62,960 in unregulated homes.The last time there was a significant increase — 4 percent on one-year leases and 7.75 percent on two-year leases — was in 2013, the last year de Blasio’s predecessor, Michael Bloomberg, was in office.But the board has allowed far higher increases in the past. In July 1980, at a time of high inflation and a gas crisis, the board sanctioned 17 percent increases on three-year leases on apartments where the landlord provided heat. For apartments where tenants provided heat, the figure was 9 percent.On Tuesday Adán Soltren, whom Adams appointed as one of two tenant representatives, voted against the increases. He called the decision to support them “unjust” and told his colleagues, “Your decision will result in millions of people suffering while corporations and investors continue to profit.”Christina Smyth, one of two board members representing landlords, called the increases inadequate. “We are risking the decay of rent-stabilized housing,” she said.WeatherExpect a chance of showers with temperatures near 70. At night, showers and thunderstorms are likely with temps in the mid-60s.ALTERNATE-SIDE PARKINGIn effect until July 4 (Independence Day).The latest Metro newsCharles Fox/The Philadelphia Inquirer, via Associated PressWildfires: The Mullica River fire in Wharton State Forest in South Jersey has burned about 13,500 acres, threatening to become the state’s largest fire in 15 years.New Jersey hoopers: Although New Jersey was home to some of basketball’s greats, historically it has struggled to escape New York’s shadow. But a wave of rising stars in boys’ basketball could shift the trend.Arts & CultureCurtains up, masks off: Broadway theaters will be allowed to drop their mask mandates starting July 1. The Broadway League described the new policy as “mask optional” and said it would be re-evaluated monthly.Best in show: The Westminster Kennel Club Dog Show is underway — not at Madison Square Garden but, for a second year, on the sunny grounds of a Gothic Revival mansion in Tarrytown, N.Y.The Stonewall uprising: The Stonewall National Monument Visitor Center, which will open in 2024 as the first in the national park system devoted to the gay rights movement, will commemorate the 1969 Stonewall uprising and its legacy.DiscoOasis: Roller skating is enjoying another flash of popularity. DiscOasis in Central Park sets itself apart from New York’s other rinks with production values and theatricality.Republican candidates for governor spar againPool photo by Brittainy NewmanIn an hour that turned increasingly contentious, the four Republicans running for governor of New York appeared together one last time, making their case before the primary next week.They spent much of the hour, broadcast on the conservative news channel Newsmax, playing to the Republican base, describing their devotion to former President Donald J. Trump and their disdain for Gov. Kathy Hochul, the incumbent Democrat they hope to replace.“Kathy Hochul is going to get fired,” declared Representative Lee Zeldin, a four-term congressman from Long Island who was chosen as the party’s designee at a convention in March. “I’m looking forward to removing her from this office.”Zeldin was flanked on the stage of the Kodak Center in Rochester, N.Y., by the three other Republicans who also want to run against Hochul — Rob Astorino, a former Westchester County executive; Andrew Giuliani, the son of former Mayor Rudolph Giuliani of New York City; and Harry Wilson, a corporate turnaround specialist who, as an official on President Barack Obama’s automotive task force, helped take General Motors in and out of bankruptcy.After about 40 relatively restrained minutes, the sniping intensified, with Giuliani calling Zeldin “a flip-flopper” and Zeldin saying Giuliani’s “claim to fame” was that the actor Chris Farley had mocked him on “Saturday Night Live” 30 years ago “for being,” Zeldin said, “an obnoxious kid.”As the candidates talked over each other, the moderator, Eric Bolling of Newsmax, tried to reassert control. “Gentlemen, I love the heat, I love the heat,” he said.Giuliani — who has said that he sees his father and Trump as models for the kind of governor he aspires to be — was making his first in-person debate appearance. In the first two Republican debates, hosted by stations in New York City, Giuliani, 36, took part from a separate location because he was unvaccinated. But on Tuesday, he was on the same stage.Talking about his time in the Trump administration, he said, “When I think about the work I did with President Trump in the White House, that’s the kind of change that we need in Albany.”Zeldin, who was once considered a moderate, has also been a Trump stalwart, though in a debate on Monday night he stopped short of saying the 2020 election had been stolen. On Tuesday in Rochester, he seemed more attentive to Trump’s signature policies, saying he believed that the former president’s border wall should be completed.Asked what they would do to reduce crime, Giuliani and Zeldin said they would fire Alvin Bragg, the Manhattan district attorney. Wilson said it was “unacceptable for New Yorkers to live on unsafe streets” and said that “an extended family member” had been killed recently “by someone out on cashless bail” — his term for a change in state bail law that Democrats in Albany pushed through in 2019 and Republicans want rolled back.Giuliani said that on his first day as governor, he would tell the leaders of the Assembly and the State Senate, both Democrats, that without a “full repeal” of the bail law, “I’m not funding anything in our upcoming budget negotiations.”Bolling asked the candidates about inflation, abortion and Medicaid fraud. Wilson promised deep reductions in property taxes and income taxes, as did the other candidates. And despite the recent racist massacre in Buffalo, none of the four supported any new gun control measures, with Zeldin saying the state’s gun laws “go too far as is.”METROPOLITAN diaryOverheardDear Diary:I was on the M104, and a woman was talking loudly on her phone. She was explaining to whomever she was talking to about how she had flirted with a guy to make her ex jealous.At one point, her voice became a mumble, and the man sitting across from her interrupted.“Excuse me, can you please raise your voice?” he said. “It sort of dropped and we couldn’t hear what happened.”The other passengers applauded.— Ivy ManskyIllustrated by Agnes Lee. Send submissions here and read more Metropolitan Diary here.Glad we could get together here. See you tomorrow. — J.B.P.S. Here’s today’s Mini Crossword and Spelling Bee. You can find all our puzzles here.Melissa Guerrero More