As interest rates begin to cool off for the first time in a few years, prospective “first time homebuyers” may have their wheels spinning again about whether it’s a good idea to buy a home. Still, the idea of home ownership may feel out of reach for some; historically, the prevalence of homeowners has been low in certain subsets of the population. It wasn’t until the 1900’s that laws were enacted to grant women and people of color equal access to property ownership:

1968: The Fair Housing Act prohibited discrimination in home buying, homeownership, and rental real estate based on sex, race, religion, and other protected classes. 

1974: The Equal Credit Opportunity Act (ECOA) prohibited discrimination in consumer credit practices based on sex, marital status, and other factors. This made it easier for women to buy homes by allowing them to apply for loans and credit without a male co-signer. 

Even with these laws in place, socioeconomic disparities and lack of access to generational wealth have slowed progress in this area. Generational wealth occurs when resources are passed on to family members when the family homeowner or the head of household passes away. In areas like D.C. this type of asset can be worth hundreds of thousands of dollars, and can be used to pay off student loans, help younger members of the family purchase their first or second homes wherever they live, or be invested in other ways. 

While this may have been the key to buying property in the past, people today are pursuing homeownership for themselves and their own means — especially women. Many real estate agents in the D.C. metro area can testify that they are working with individuals who are the first in their family — and often the first woman in their family — to buy a home. The days of waiting until marriage to invest in property are slipping away; these days people marry later, may not stay married, or may choose not to marry at all. “I didn’t consider buying a home at first, because I didn’t really see myself as a “typical” homeowner; I was single and wasn’t sitting on a stockpile of cash,” says Jordyn White, a D.C. resident who bought her first home at 29. “A trusted friend encouraged me to explore first-time homebuyer programs, and I’m glad I did. My monthly mortgage payment is similar to what I would likely pay to rent in the same area, and now I have created a path to generational wealth for my children.”

The rates of homeownership for people of color and women are steadily rising. A 2023 Pew Research Center survey using 2022 census data found that single women owned 58 percent of the nearly 35.2 million homes owned by unmarried Americans, while single men owned 42 percent. Single homeowners have peace of mind in knowing that they own assets by themselves.  

Compass real estate agent Katri Hunter has helped many of her clients buy their first home. She reports, “I find more and more that I have single clients that approach me in their early/mid-30’s and say that they thought they would be buying their first property with a significant other and then decided to take things into their own hands … I tell people all the time to consult an estate planner when and if they do decide to get married to discuss pre-marital assets and keeping those in their own name. I think people really take more pride and ownership buying property on their own rather than something they dread.”

Katri Hunter can be reached at [email protected]. Joseph Hudson is a referral agent with Metro Referrals. He can be reached at 703-587-0597 or [email protected]

Maintaining a safe and healthy environment for your tenants is a top priority as a landlord in the District of Columbia. One critical aspect of this responsibility is ensuring the water in your rental properties is free from lead contamination. The “Lead-Free DC” initiative, led by DC Water and supported by the District of Columbia, offers an excellent opportunity for landlords to replace old lead service lines and contribute to the broader effort of safeguarding public health.

Why Lead-Free Water Matters

Lead exposure is a serious health concern, particularly for young children and pregnant women. However, even in rental properties where no small children currently reside, lead in drinking water poses an ongoing risk to all occupants. Long-term exposure to lead can lead to various health issues, including cognitive impairment, cardiovascular problems, and developmental delays. As such, addressing lead pipes is not just a matter of compliance but a strategic investment in the long-term value and safety of your property.

Resources Available to Landlords

The District of Columbia, through DC Water’s “Lead-Free DC” initiative, provides several resources to help landlords replace lead service lines:

1. Free Pipe Replacement: DC Water offers free replacement of lead pipes on public property, such as the pipes running under streets and sidewalks. This service is available to all property owners, including landlords, and significantly reduces the cost burden of making your rental property lead-free.

2. Partial Replacement Assistance: For lead pipes on private property (e.g., those running from the property line to your building), DC Water offers partial financial assistance. The cost to replace these pipes is typically shared between DC Water and the property owner, reducing the overall expense.

3. DC Lead Pipe Replacement Assistance Program (LPRAP): This program specifically helps low-income residents replace lead pipes on their property at no cost. While it primarily targets homeowners, landlords with qualifying properties may also benefit from this program.

4. Federal Programs: The U.S. Environmental Protection Agency (EPA) and the Department of Housing and Urban Development (HUD) provide grants and low-interest loans to property owners for lead hazard reduction, including pipe replacement. These programs can further alleviate the financial burden associated with removing lead from your rental properties.

Strategic Value of Going Lead-Free

Investing in lead pipe replacement is a strategic move that offers significant long-term benefits:

• Increased Property Value: As awareness of lead-related health risks grows, properties with modern, lead-free infrastructure are likely to become more desirable and command higher market values.

• Tenant Retention and Attraction: Tenants increasingly prioritize health and safety in their living environments. A lead-free property can be a key selling point, helping you retain current tenants and attract new ones.

• Regulatory Compliance: As regulations surrounding lead in drinking water continue to tighten, staying ahead of the curve can save you from potential legal issues and costly retrofits in the future.

• Community Contribution: By participating in the “Lead-Free DC” initiative, you are not only protecting your tenants but also contributing to the broader effort of making the District of Columbia a healthier place to live.

Understanding Potential Costs

While much of the pipe replacement work is covered by DC Water and other programs, there may be some additional costs to consider. For example, once the old lead pipes are removed, the area where the pipes were accessed might need restoration. This could include patching up driveways, sidewalks, or landscaping around the foundation of your property. Although these costs are relatively minor compared to the health and safety benefits, it’s essential to budget for them when planning the work.

A “No-Brainer” Decision for Landlords

Replacing lead pipes is more than just a necessary update—it’s a no-brainer decision that will pay dividends in the long run. The peace of mind that comes from knowing your rental property is free from lead risks is invaluable, and the potential increase in property value and tenant satisfaction makes it a wise investment.

Take advantage of the resources available through the “Lead-Free DC” initiative and other programs to ensure your rental properties offer safe, lead-free water for all tenants, now and in the future.

Further Access Information for Readers:

DC Water – Lead-Free DC Program:

https://www.dcwater.com/resources/lead

This page provides detailed information about the Lead-Free DC initiative, including how to apply for pipe replacements and available assistance programs.

DC Water – Lead Pipe Replacement Assistance Program (LPRAP):

https://www.dcwater.com/lprap

This page offers insights into the Lead Pipe Replacement Assistance Program, focusing on how low-income property owners can receive help in replacing lead pipes.

EPA – Lead in Drinking Water:

https://www.epa.gov/ground-water-and-drinking-water/basic-information-about-lead-drinking-water

This URL covers essential information on the risks of lead in drinking water and federal programs available to help property owners.

Scott Bloom is owner and Senior Property Manager of Columbia Property Management. For more information and resources, go to ColumbiaPM.com.

As the LGBTQ community continues to thrive and embrace homeownership, it’s important to ensure that our homes reflect both our values and our commitment to taking care of our spaces. Fall is the perfect season to focus on essential home maintenance, whether you’re preparing to sell or just want to keep your home in top shape. With a few seasonal updates, you can enhance both the beauty and protection of your home as we move into the cooler months. Here are some must-do fall maintenance tips, brought to you by GayRealEstate.com, to make your home shine.

1. Clean Your Gutters and Downspouts

As leaves begin to fall, they often collect in gutters, leading to drainage problems that can cause water damage. Clearing out debris will keep water flowing properly and protect your home’s foundation. It’s a simple task that can make a huge difference in preventing costly repairs later on.

LGBTQ Tip: A well-maintained home is a reflection of pride in ownership. Keep your property in top shape to show the world that your space is a part of the community’s progress and joy.

2. Seal Up Windows and Doors

A drafty home can lead to higher heating bills and discomfort as temperatures drop. Inspect your windows and doors for cracks or gaps and seal them with caulk or weatherstripping to keep the cold out. This also increases energy efficiency, an important consideration as we all work toward more sustainable living.

Pro Tip: This is a great way to save on energy costs, freeing up more budget for community activities or causes you care about.

3. Service Your Heating System

Fall is the perfect time to have your heating system serviced. An efficient system ensures that your home stays cozy throughout the cold months, and prevents any surprise breakdowns during the winter. For those with fireplaces, make sure to have the chimney cleaned and inspected.

LGBTQ Tip: Host friends and chosen family for cozy fall gatherings in a warm, comfortable home that’s ready for the season.

4. Roof and Chimney Check

Inspect your roof for damaged or missing shingles and check your chimney for cracks or blockages. Addressing these issues early can prevent leaks or other damage when snow arrives. Keeping your roof in good condition is key to protecting your home’s overall structure.

Pro Tip: Your home is your sanctuary—ensure it’s well-protected, so it remains a safe and welcoming space for all.

5. Spruce Up Your Yard for Fall

Rake up leaves, trim overgrown trees, and plant fall-friendly flowers like mums to keep your home looking vibrant and inviting. A clean, well-maintained yard can also prevent clogged drains and other seasonal issues.

LGBTQ Tip: Curb appeal is a great way to represent pride in your community and personal space. Use fall as an opportunity to refresh your exterior with warm, welcoming touches.

6. Winterize Outdoor Faucets and Sprinklers

Before the first frost, turn off and drain outdoor faucets and sprinkler systems to avoid frozen pipes. Bursting pipes can be expensive to repair, so this simple task can save both time and money.

Pro Tip: Protecting your home’s infrastructure is essential, especially if you plan to host gatherings or events this fall and winter.

7. Upgrade Your Outdoor Lighting

With shorter days ahead, it’s important to have sufficient outdoor lighting for both safety and aesthetics. Replace old bulbs with energy-efficient LEDs, and consider adding motion sensors for extra security. This not only brightens your home but also creates a welcoming space for guests.

LGBTQ Tip: Outdoor lighting can also serve as an opportunity to showcase inclusive and seasonal décor—whether it’s rainbow lights for visibility or autumn hues for warmth.

8. Test Smoke and Carbon Monoxide Detectors

Your home’s safety is always a top priority. Be sure to test your smoke and carbon monoxide detectors and replace batteries as needed. This is especially important as you begin to use your heating system more frequently.

Pro Tip: Set a reminder to test detectors regularly. A safe home is a happy home, and it’s the foundation of a strong, supportive community.

9. Declutter and Organize Your Space

Fall is the perfect time to declutter and organize your home, particularly as you prepare for holiday gatherings. An organized space not only feels more peaceful but also makes it easier to welcome guests or host events. Donate unused items to local LGBTQ shelters or community centers for those in need.

LGBTQ Tip: Decluttering isn’t just about cleaning—it’s about creating a space that reflects who you are and what you value. Use this time to curate a home that aligns with your identity and purpose.

10. Add Fall Decor with Pride

As you prepare your home for the fall season, consider incorporating decor that reflects both the beauty of autumn and your unique style. From pumpkins and fall wreaths to rainbow accents, you can create a space that’s both festive and reflective of your pride.

Pro Tip: Balance fall and Pride elements for a personalized touch. Whether you’re hosting friends or simply enjoying a quiet evening, your home should reflect your values and joy.

By following these essential fall maintenance tips, you’ll not only boost your home’s curb appeal but also ensure it remains a safe and welcoming space through the changing seasons. Homeownership is a major milestone, and taking care of your home is a powerful way to contribute to the beauty and strength of the LGBTQ+ community.

For more tips on maintaining your home or if you’re considering buying or selling, visit GayRealEstate.com, where we connect you with experienced LGBTQ real estate professionals who understand the importance of community and inclusion. Let’s make this fall your best season yet.

Jeff Hammerberg is founding CEO of Hammerberg & Associates, Inc. Reach him at [email protected] or 303-378-5526.