Homeless Problem
The number of people in the U.S. who experience homelessness on a single night.
more than 550,000
Renters have a right to a property where these two plumbing fixtures are in good working order.
toilets and sinks
These types of mortgages, which caused the crash, often had low payments for only the first few years.
subprime mortgages
For housing to be "affordable," its costs should not exceed this percentage of household income.
32%
This type of clause modifies a noun and usually begins with a relative pronoun like "who" or "that".
adjective clause
This percentage of the homeless individuals in the United States.
67%
To avoid being responsible for existing repairs, a renter should do this before moving in.
take pictures and show the landlord
This occurs when a homeowner can no longer afford payments and the bank takes over the house.
foreclosure
These are taxpayer dollars used to support housing needs and build new units.
housing subsidies
An adjective phrase is different from a clause because it is missing these two grammatical components.
subject and a verb
This group makes up 7% of the total homeless population.
People under age 25 living on their own
Many renter laws, such as rights to fire extinguishers, depend on this.
the state you live in
The U.S. government took over these two massive mortgage companies during the 2008 crisis.
Fannie Mae and Freddie Mac
The number of affordable units available for every 100 extremely low-income households.
35
These five relative pronouns are typically used to start an adjective clause.
that, which, who, whom, and whose
The phrase we use to describe this example of a major challenge where homeless people can't pay rent without a job, but can't apply for a job without an address.
a vicious cycle
This common legal document usually specifies how much notice a landlord requires before a tenant moves out.
the lease
This 2010 law was passed by Congress to prohibit banks from issuing subprime mortgages.
Dodd-Frank Act
"Extremely low-income" renters have household incomes of less than this percentage of the national average.
30%
You can omit the relative pronoun when it serves as this part of the adjective clause.
the object
Three specific challenges mentioned as causes for homelessness besides lack of housing:
domestic violence, substance abuse, and mental illness
In a sample lease where rent is $1,450 a month, this is a common amount of a security deposit plus last month's rent.
$2,900
The total estimated amount in losses suffered by the global economy due to the crash.
$15 trillion
This word is used to describe the benefit that allows people to keep employment and perform better in school when they have affordable housing.
stability
To reduce a clause to a phrase in "anyone who is looking," you must remove the relative pronoun and this.
verb "be" (is)