Financial
Presidential hopefuls not showing love to LGBTQ media
Few ad buys in niche outlets in 2020 campaign
When it comes to covering the concerns of our community, nobody does it better than LGBTQ print and digital media outlets. Readers hungry for in-depth journalism know the value of hearing it from the horse’s mouth—so why is that lost on the lion’s share of donkeys and elephants?
“I personally have reached out to Buttigieg, Biden, Sanders, Warren, and Bloomberg, with no response from anyone about advertising,” said Justin Wyse, sales manager for South Florida Gay News, in a Feb. 23 email (before Buttigieg, the gay former mayor of South Bend, Ind., suspended his campaign). Democratic presidential hopefuls may be rebuffing Wyse’s overtures, but PACs sometimes have the paper’s back: The Log Cabin Republicans, he notes, planned to advertise in the two issues prior to Florida’s March 17 primary.
Still, not a single candidate has advertised with the paper in past presidential election cycles, says Wyse. “They all say they support our community, but do they? They sure don’t show it, by their silence.”
That silence, if broken, could speak volumes, says Rivendell Media president and CEO Todd Evans. “For a million dollars, you could completely saturate the LGBTQ media market. For $100,000, you will get the back cover in most gay print publications in top U.S. markets,” notes Evans, who places advertisements for the National LGBT Media Association—whose 12 members have a combined weekly print and online reach of approximately 500,000. (The Washington Blade and Los Angeles Blade are members.)
Of that niche market, says activist and Philadelphia Gay News publisher Mark Segal, “One of the things we share with the African-American and Latino community is, LGBTQ print is king. When candidates are trying to get to a community, they go in all manners—mailings, targeted social media. So when you go after our votes,” says Segal, of LGBTQs, “part of that is advertising.”
Over the years, says Evans, “We have compiled campaigns and reach-outs to the DNC. They’ve asked for it, even. But they’ve never done anything on a national scale, to my knowledge, ever… Let’s go back to the reason companies target LGBTQs: Primarily, for trend-setting. Why wouldn’t you want to carry that into getting yourself more visibility within our community?”
In anticipation of Pennsylvania’s April 28 primary, Segal notes that despite early outreach to Democrats with designs on the White House, “What they all say is, ‘Get back to us on April 1.’ ” (Sanders and Clinton did advertise with the paper in 2016; the former, with a mainstream ad, and the latter, with one designed for LGBTQ+ readers.)
Using the National LGBT Media Association as his calling card, this reporter requested comment from the RNC, DNC, and Democratic candidates. Only two campaigns responded.
Touting their track record of “locking arms and marching during Pride” as well as attending the National LGBTQ Task Force’s Creating Change Conference and RuPaul’s Drag Con, “Team Warren knows the importance of meeting LGBTQ+ voters where they are,” said Daniel Lander, Elizabeth Warren’s National Director for LGBTQ+ Outreach, in a Feb. 24 email.
This article’s deadline forced us to call off the search for answers to our reply, in which we asked if the Warren campaign had taken its message directly to the LGBTQ, Hispanic, or African-American press, via paid advertising.
Bloomberg campaign rep Natalie Johnson assured, in a Feb. 20 email, “We have great team members that can speak to this topic.” But after a phone call at her behest, “to get a better sense of the interview,” it was radio silence after we declined to send a list of questions prior to securing an interview.
Past NYC mayor and present billionaire Michael Bloomberg, who dropped out of the race on March 4 after a dismal Super Tuesday showing, did indeed purchased a presence in the LGBTQ press, albeit a general interest ad that appeared as part of a company-wide buy with Schneps Media, whose properties include NYC’s Gay City News (GCN), a member of the National LGBT Media Association.
When we spoke with GCN founding editor-in-chief and associate publisher Paul Schindler, he noted the issue that hit the streets on Jan. 30 had a back page ad from Bloomberg.
“In his mayoral campaigns,” recalls Schindler, of Bloomberg, “he blanketed our newspapers and our digital with ads. He so outspent his Democratic rivals, there was no competition.”
The Stonewall Democratic Club of NYC and Lambda Independent Democrats of Brooklyn “have endorsed Elizabeth Warren,” notes Schindler, “so if Warren remains viable by the time of the [April 28 NY Democratic] primary, I think there’s a decent shot those clubs would buy an ad, but not much more than two or three weeks before the primary.” (Those clubs, if advertising, won’t be bolstering Warren: The Massachusetts senator called it quits on March 5.)
There’s good reason, says Schindler, that candidates are absent from the local landscape until their time in the primary sun is at hand. “Unlike other consumer products, they are not ‘on sale’ everywhere at the same time… I want to make it very clear that I’m stepping aside from my role as editor, when I say I’m glad they’re spending their money where they are [in battleground states and pre-primary buys]. That’s not something smart for me to say, businesswise, but it’s a cold political fact.”
Even colder and considerably more calculated, is the quest to bypass ads altogether, by pricking up LGBTQ+ ears with a compelling sound bite.
“Candidates [in 2020] do seem to be a bit more reluctant to tap into niche markets by paying for media,” says T.J. Billard, a Ph.D. candidate at the USC Annenberg School for Communication & Journalism. “They tend to focus on the mainstream,” or rely on “earned media,” i.e., no-cost editorial coverage, as was the case numerous times, notes Billard, when Warren, “just in the course of talking about violence, mentioned transgender women of color. For a general audience, it doesn’t do much. But the fact that she said it is going to be news in the LGBTQ press. So by throwing that in, she’s able to assure a certain degree of visibility in the LGBTQ community that requires no [financial] investment.”
“I’ve seen the tone shift, now that we’re in a post-marriage equality era,” says public affairs and media professional Kenn Campbell, who served as a national advance associate on behalf of the Obama White House, the Office of Secretary Hillary Rodham Clinton, and Hillary for America. “Campaigns aren’t reaching out as early as they were, and they aren’t targeting the LGBT community as aggressively as I think they should be … I would hope DNC Chair Perez has a [general election] plan for that. But at this point, I haven’t seen any outreach effort.”
Scott Wazlowski, vice president of advertising for San Francisco’s Bay Area Reporter, was in talks with a presidential candidate when we spoke, but under “a fairly comprehensive” non-disclosure agreement. Wazlowski notes the paper’s “strong voting bloc” garners advertising from the city’s Department of Elections “prior to every election in the city and county,” as well as advertising from Congresswoman Nancy Pelosi, prior to annual Pride celebrations.
Even for a paper of BAR’s visibility, notes Wazlowski, “Reaching the right person who makes the decision on who buys media for anything other than a small local campaign is almost impossible.”
Of the LGBTQ press, “We are on the front lines, in terms of our local communities,” says Michael Yamashita, president and CEO of BAR Media Inc., and BAR publisher. “I don’t think campaigns really appreciate that direct and close relationship we have.”
Real Estate
Tips for LGBTQ buyers, sellers during holidays
A powerful and overlooked window for real estate transactions
The holiday season is a magical time, filled with celebration, travel, connection, and reflection. It also happens to be a powerful — and often overlooked — window for both buying and selling real estate. For members of the LGBTQ+ community, shopping for a new home or preparing to list a property during the holidays comes with opportunities, challenges, and important considerations that deserve thoughtful attention.
Whether you’re preparing to make a move as a same-sex couple, searching for safe and affirming neighborhoods, or hoping to secure the best possible price for your home sale before the new year, the holidays can offer unique advantages. With an inclusive approach, LGBTQ+ friendly resources, and the right professional guidance, this season can be a strategic and rewarding time to take your next real estate step.
Below are actionable tips, insights, and resources specifically tailored to LGBTQ+ home buyers and sellers navigating the holiday season.
Why the Holidays Can Be the Right Time
Lower Competition & Motivated Sellers
Because so many people put their real estate plans on pause during November and December, LGBTQ+ home buyers may see lower competition, fewer bidding wars, and sellers who are eager to close before January. This can bring real advantages for first-time gay home buyers or same-sex couples seeking more favorable negotiating terms.
Buyers Are More Serious
If you’re selling your home as an LGBTQ+ individual, remember: holiday buyers tend to be more intentional, financially prepared, and timeline-driven. This can make the sale process smoother.
Holiday Appeal Helps Homes Show Better
Warm lighting, seasonal décor, and neighborhood festivities can enhance curb appeal and emotional impact — which can be especially valuable when selling your home.
Tip #1: Choose LGBTQ-Friendly Representation
Above all else: work with a professional who understands the LGBTQ+ community and the unique concerns LGBTQ+ clients have.
This means choosing:
- a gay realtor
- a lesbian realtor
- an LGBTQ+ friendly real estate agent
Agents who are part of, or deeply familiar with, the LGBTQ+ community can make a tremendous difference in safety, comfort, and confidence throughout the transaction.
For more than 30 years, GayRealEstate.com has been the trusted leader in LGBTQ+ real estate, providing LGBTQ+ home buyers and sellers access to:
- verified LGBTQ+ real estate agents
- same-sex couple home buying experts
- LGBTQ+ friendly realtors near you
- agents experienced in discrimination-related protections
- LGBTQ+ relocation specialists
Whether you’re buying or selling, this starts you on the right path.
Tip #2: Focus on LGBTQ-Friendly Neighborhoods
If you’re buying a home during the holidays, make researching neighborhoods a top priority.
Look for areas known for:
- Inclusion & diversity
- Active local LGBTQ+ groups
- Gay-friendly businesses
- Visible LGBTQ+ community presence
- Supportive schools & services
- Pride events & alliances
Searching online helps — but talking with an LGBTQ+ friendly realtor who knows these neighborhoods firsthand is invaluable.
Also search:
- LGBTQ+ crime statistics
- local anti-discrimination policies
- protections against housing discrimination
- hate crime data
- political climate
- HOA regulations
Your home should feel safe year-round, not just festive in December.
Tip #3: Know Your Legal Protections
Housing discrimination still exists — and LGBTQ+ home buyers and sellers must remain vigilant.
While federal protections exist through the Fair Housing Act (as interpreted to include sexual orientation and gender identity), not all states provide equal protection.
Know your rights around:
- Mortgage discrimination
- Rental screening discrimination
- Sellers refusing offers from LGBTQ+ buyers
- HOA discrimination
- Harassment after move-in
Your agent should be able to assist — but GayRealEstate.com also offers educational guidance and resources for navigating LGBTQ+ legal protections in real estate
Tip #4: Navigate the Emotional Side
For LGBTQ+ buyers and sellers, the holidays can stir up complex feelings:
- family dynamics
- financial pressure
- expectations around marriage or partnership
- relocation stress
- memories tied to a home
Be patient with yourself.
Buying or selling a home is life-changing — honor the emotional journey as much as the financial one.
Tip #5: Take Advantage of Holiday Cost Savings
Buying?
- Lower interest rates may appear around December
- Contractors often discount home inspections & repairs this time of year
- Movers run holiday promotions
Selling?
- Minor seasonal upgrades help tremendously:
- warm lighting
- new evergreen planters
- festive front door accents
- Be careful not to over-decorate — buyers need to see the space clearly
And yes — holiday cookies help.
Tip #6: If You’re Relocating — Plan Ahead
Many LGBTQ+ buyers relocate during the holidays to:
- be closer to family
- move in with a partner
- begin a new job in the new year
If you’re relocating as an LGBTQ+ couple or family:
- research local LGBTQ+ resources
- connect with local LGBTQ+ organizations
- ask your gay real estate agent about local LGBTQ+ clubs, groups, and services
- evaluate long-term safety for LGBTQ+ families
Plan early — December moves get booked fast.
Tip #7: Use Trusted LGBTQ Real Estate Resources
The most important resource of all:
GayRealEstate.com — the #1 dedicated LGBTQ+ real estate resource for over 30 years.
On GayRealEstate.com, you can find:
- LGBTQ+ friendly real estate agents nationwide
- Verified gay and lesbian Realtors
- LGBTQ+ real estate market information
- Same-sex couple home buying guidance
- LGBTQ+ real estate services
- Gay and lesbian friendly neighborhoods
- Relocation tools
- LGBTQ+ home buyer & seller education
No other site offers this level of specialization, expertise, or community connection.
The holidays are more than just a season of celebration — they’re also a meaningful opportunity for LGBTQ+ home ownership, real estate transitions, and new beginnings. Whether you’re a first-time gay home buyer, a same-sex couple selling a home, or an LGBTQ+ family preparing to relocate, you deserve an experience grounded in respect, inclusion, and safety.
With the right preparation — and the right LGBTQ+ friendly real estate agent — your journey can be rewarding, affirming, and filled with new possibilities for the year ahead.
To find an LGBTQ+ real estate agent who understands your needs, visit GayRealEstate.com, the trusted leader in LGBTQ+ real estate services, resources, and representation for over three decades.
Scott Helms is president and owner of Gayrealestate.com.
Real Estate
In real estate, it’s déjà vu all over again
1970s and ‘80s volatility led to creative financing options
In the 1970s and 1980s, mortgage interest rates climbed into the double digits and peaked above 18%. With rates like that, you needed more than a steady job and a down payment to buy a home — you needed creative financing ideas.
Today’s market challenges may look different, but the response has been surprisingly familiar: unusual financing methods are making a comeback, along with some new ones that didn’t exist decades ago. Here is a brief overview of the most popular tools from that era.
Assumable Mortgages were available with FHA, VA, and USDA loans and, until 1982, even Conventional mortgages. They allowed a buyer to take over the seller’s existing mortgage, including its interest rate, rather than getting a brand-new loan, while compensating the seller for the difference between the assumed loan balance and the contract price.
Often, a seller played a substantial role in a purchase. With Seller Financing (Owner Carry) the seller became the bank, letting the buyer make payments directly to them instead of to a traditional lender.
One variation on Seller Financing was the Land Contract. The seller was still the lender, but the buyer made loan payments to the seller, who then paid his own mortgage and pocketed the difference. The buyer would receive equitable title (the right to use and occupy the property), while the seller kept the title or deed until the contract was paid off or the property sold.
With Wraparound Mortgages, the seller created a new, larger loan for the buyer that “wrapped” around the existing mortgage at an agreed-upon rate. The buyer would then pay the seller, who would continue making mortgage payments on the existing balance, collecting payments and pocketing the spread. Whether title conveyed to the buyer or remained with the seller was negotiated between the parties.
Unlike an assumption, when buying a home Subject To an existing mortgage, the buyer took title to the property and agreed to pay the seller’s mortgage directly to the lender plus any equity to the seller; the mortgage stayed in the seller’s name. Now, most mortgages have a Due on Sale clause that prohibits this kind of transaction without the expressed consent of the lender.
Rent-to-Own was also a popular way to get into a home. While a potential buyer rented a property, the seller would offer an option to purchase for a set amount to be exercised at a later date (lease option) or allow a portion of the rent collected to be considered as a downpayment once accrued (lease purchase).
Graduated Payment Mortgage (GPM) loans were authorized by the banking industry in the mid-1970s and Adjustable Rate Mortgages (ARM) surfaced in the early 1980s. Both featured low initial payments that gradually increased over time.
With the GPM, although lower than market to start, the interest rate was fixed and payment increases were scheduled. A buyer could rely on the payment amount and save accordingly.
ARMs, on the other hand, had interest rates that could change based on the market index, with less predictability and a higher risk of rate shocks, as we saw during the Great Recession from 2007-2009.
While mortgage rates today aren’t anywhere near the extremes of the 1980s, buyers still face a tough environment: higher prices, limited inventory, and stricter lending standards. That combination has pushed people to explore tried and true alternatives and add new ones.
Assumable mortgages and ARMs are on the table again and seller financing is still worth exploring. Just last week, I overheard a colleague asking about a land contract.
Lenders are beginning to use Alternative Credit Evaluation indicators, like rental payment history or bank cash-flow analysis, to assess borrower strength when making mortgage loan decisions.
There are Shared Equity Programs, where companies or nonprofits contribute part of a down payment in exchange for a share of the home’s future appreciation. With Crowdfunding Platforms, investors pool money online to finance real estate purchases or developments.
Another unconventional idea being debated today is the 50-year mortgage, designed to help buyers manage high home prices. Such a mortgage would have a 50-year repayment term, rather than the standard 30 years, lowering monthly payments by stretching them over a longer period.
Supporters argue that a 50-year mortgage could make monthly payments significantly more affordable for first-time buyers who feel priced out of the market. Critics, however, warn that while the monthly payment may be lower, the lifetime interest cost would be much higher.
What ties the past and present together is necessity. As long as affordability remains strained, creative financing – old and new – will continue to shape the way real estate gets bought and sold. As with everything real estate, my question will always be, “What’s next?”
Valerie M. Blake is a licensed Associate Broker in D.C., Maryland, and Virginia with RLAH @properties. Call or text her at 202-246-8602, email her at [email protected] or follow her on Facebook at TheRealst8ofAffairs.
Real Estate
Could lower rates, lagging condo sales lure buyers to the table?
With pandemic behind us, many are making moves
Before the interest rates shot up around 2022, many buyers were making moves due to a sense of confinement, a sudden need to work from home, desire for space of their own, or just a general desire to shake up their lives. In large metro areas like NYC, DC, Boston, Chicago, Miami and other markets where rents could be above $2k-$3k, people did the math and started thinking, “I could take the $30,000 a year I spend in rent and put that in an investment somewhere.”
Then rates went up, people started staying put and decided to nest in the new home where they had just received a near 3% interest rate. For others, the higher rates and inflation meant that dollars were just stretching less than they used to.
Now – it’s been five years since the onset of the pandemic, people who bought four years ago may be feeling the “itch” to move again, and the rates have started dropping down closer to 5% from almost 7% a few years ago.
This could be a good opportunity for first time buyers to get into the market. Rents have not shown much of a downward trend. There may be some condo sellers who are ready to move up into a larger home, or they may be finding that the job they have had for the last several years has “squeezed all the juice out of the fruit” and want to start over in a new city.
Let’s review how renting a home and buying can be very different experiences:
- The monthly payment stays (mostly) the same. P.I.T.I. – Principal, Interest, Taxes and Insurance – those are the four main components of a home payment. The taxes and insurance can change, but not as much or as frequently as a rent payment. These also may depend on where you buy, and how simple or complex a condo building is.
- Condo fees help pay for the amenities in the building, put money in the building’s reserve funds account (an account used for savings for capital improvement projects, maintenance, and upkeep or additions to amenities)
- Condos have restrictions on rental types and usage – AirBnB and may not be an option, and there could be a wait list to rent. Most condo associations and lenders don’t like to see more than 50% of a building rented out to non-owner occupants. Why? Owners tend to take better care of their own building.
- A homeowner needs to keep a short list of available plumbers, electricians, maintenance people, HVAC service providers, painters, etc.
- Condo owners usually attend their condo association meetings or at least read the notices or minutes to keep abreast of planned maintenance in the building, usage of facilities, and rules and regulations.
Moving from renting to homeownership can be well worth the investment of time and energy. After living in a home for five years, a condo owner might decide to sell, and find that when they close out the contract and turn the keys over to the new owner, they have participated in a “forced savings plan” and frequently receive tens of thousands of dollars for their investment that might have otherwise gone into the hands of a landlord.
In addition, condo sellers may offer buyers incentives to purchase their home, if a condo has been sitting on the market for some time. A seller could offer such items as:
- A pre-paid home warranty on the major appliances or systems of the house for the first year or two – that way if something breaks, it might be covered under the warranty.
- Closing cost incentives – some sellers will help a cash strapped buyer with their closing costs. One fun “trick” realtors suggest can be offering above the sales price of the condo, with a credit BACK to the buyer toward their closing costs. *there are caveats to this plan
- Flexible closing dates – some buyers need to wait until a lease is finished.
- A seller may have already had the home “pre-inspected” and leave a copy of the report for the buyer to see, to give them peace of mind that a 3rd party has already looked at the major appliances and systems in the house.
If the idea of perpetual renting is getting old, ask a Realtor or a lender what they can do to help you get into investing your money today. There are lots of ways to invest, but one popular way to do so is to put it where your rent check would normally go. And like any kind of seedling, that investment will grow over time.
Joseph Hudson is a referral agent with Metro Referrals. He can be reached at 703-587-0597 or [email protected].
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