MIAAOR Membership as of March, 2021 MIAAOR NEWS Designated Realtors® 44 Volume 3 – April 2021 Realtors® 521 Appraisers 3 Affiliates 38

"MIAAOR United – One Together"

April is National Fair Housing Month

Every April, REALTORS® commemorate the passage of the Fair Housing Act of 1968 with events and education that shine a light on housing discrimination and segregation. Fair Housing Month signifies a recommitment to expanding equal access to housing. Implicit bias is often a manifestation of muscle memory. A go-with-your-gut unconscious choice, act, or opinion with immeasurable consequences that can–and have–impacted generations. Slow down, course correct, and take action. Throughout the year we must remain steadfast in our commitment breaking down biases, holding ourselves accountable, and upholding the letter of the law. So, refresh your memory, and open your mind. There’s always more to know, and we can all do better.

In This Issue: Stats 2 April Online Education 3 Article | Realtor® Magazine 4 MIAAOR Stats:

March 2021 Market Report. For the purpose of this report, the following category types are measured: single family homes, condos and vacant lots.

Total inventory in March of 2021 was down 75% from March 2020. Total active properties this March was 236 as compared to 957 last year. There were 79 single family homes on the market, 98 condos and 59 lots. The total number of closed sales was up 73% from 145 to 251. Total dollar volume was $245M, up 89% from March 2020.

Broken down by category, 90 homes closed this March - up 55% from 58 homes sold last year. The median sale price was $1.2M, up by 37%. Average days on market for homes was down 45% from 199 to 110.

111 condos sold this March, up 71% from last year. The median sale price was up 12%. Average days on market for a condo went from 161 to 126 for a 22% decrease.

We had 50 lots closing this March, up a whopping 127% from last year’s 22. The total sold dollar volume was up 188% from last year. Average days on market for lots was down 5%.

BONUS STATS: Comparing March 2021 to Feb 2021

Total inventory was down 23% from 290 in Feb to 236 this month

Total closed sales were up this month 57% from 160 to 251

Total dollar volume sold was up 72% this month from $140.4M to $242M

Data courtesy of Marco Island Area Association of Realtors® Multiple Listing Service (MLS) for the period March 2020 and March 2021. For the purpose of this report, the following property types are measured: single family homes (RE1), condos (RE2), and lots. Decimals rounded to the nearest whole number.

Stats are available on the 6th of the month for the month prior. We post them on Facebook and our MarcoRealtor.com website. They are also posted as a link at the bottom of email flyers.

MIAAOR TRAINING VIDEOS Real Estate Market Report - March 2021 Florida Realtor® Market Stats – Single Family Homes – February 2021 Florida Realtor® Market Stats – Townhouses & Condos – February 2021 Click Here for Digital Marco Island Real Estate Guide April ONLINE EDUCATION (Click link to register) Please note that the classes that are being offered through our Partner Associations are not going to show up on the "My Association Secure Link" through the MLS. Only classes that are generated through us at MIAAOR will be on that portal. I have highlighted those below. The association that scheduled the course will be responsible for reporting attendance if it is for CEs. Feel free to reach out to me if you have any questions. Caroline's Email

8-April 2021 Spring CIPS Institute & Individual Class Registration

8-April CIPS Local Markets

9-April CIPS - The Americas

9-April You Gotta Go! Tenant Eviction Webinar Registration for Partner Association (3CE)

12-April CIPS Transaction Tools

12-April Unlisted Distressed Properties, iBuyers & Listings

12-April Marketing to First-Time Homebuyers

12-April Analyzing Residential Investment Properties (Fix & Flip) - 3hr CE credits

13-April Success Series Registration Partner Association Pricing for Bundles & Individual Sessions

13-April CIPS - Europe

14-April CIPS – Asia

14-April Be the Change: Fair Housing and You 2 CEs

15-April Land Plus, 2nd Level, 04/15

15-April ABR

15-April GRI201

16-April Understanding Fair Housing and Implicit Bias Registration (FREE)

19-April GRI202

21-April CRB: Recruiting for Success (7CE), 04/21

21-April International Marketing Session

22-April FR/BAR As-Is Contract, 04/22

27-April GETTING STARTED W/FLEX - WEBINAR

27-April Green 04/27-28

27-April Real Restate Professional Assistant Certificate Program

29-April Foundations of Form Simplicity, Optimizing Overflow on Form Simplicity, e Sign & Close 29-April Clarifying Service Animals 3CEs

29-April RSPS (7CE), 04/29

30-April CRETS-Designing & Sustaining Successful Teams

Don't forget, if you need CEs NOW you can always log into our CEShop link here and use the promo code below

REPAIRERS OF THE BREACH

America's history of racist housing policies inflicted staggering losses on Black Americans. Today, REALTORS® are playing a vital role in community efforts to acknowledge and repair the harm. by Alexia Smokler

Key Takeaways:

• More than 50 years after the passage of the federal Fair Housing Act, there remains a 30-percentage-point homeownership gap between white and Black Americans—the same as in 1968, the year the historic law was adopted. While it outlawed discrimination, the act provided little remedy for the harm that preceded it. • More than 60% of Black-owned land nationwide is estimated to be “heirs’ property,” meaning owners lack clear title even if families have lived there for generations. Predatory practices have pushed Black Americans off of millions of acres of such land. • Local efforts to make reparations to Black Americans are growing. In July 2020 Asheville, N.C., became the first Southern U.S. city to call for repair of the harms resulting from slavery, Jim Crow laws, and twentieth-century city policies that destroyed Black-owned homes and businesses. Evanston, Ill. has authorized a restorative housing grants program for Black residents who show they have suffered discrimination in housing due to city policy, or are direct descendants of those who did.

Homeownership is the largest single contributor to intergenerational wealth for American families. But it has not been accessible to all Americans on equal terms. More than a half-century after passage of the federal Fair Housing Act, there remains a 30-percentage-point homeownership gap between white and Black Americans— the same as in 1968, the year the act was adopted. Black Americans own one-tenth the wealth of white Americans, despite earning, on average, about 60% of white Americans’ income. There is a clear line from the overtly racist policies of the past to today’s inequities. While the 1968 Fair Housing Act outlawed discrimination, it provided little remedy for the decades of harm that preceded it. Industry efforts are curtailing present-day discrimination, but they don’t reverse the effects of historic practices that denied Blacks homeownership, destroyed Black wealth, and prevented the transfer of wealth through generations. With awareness of this history growing, cities and states are exploring ways to repair past harm and protect against future loss. As community leaders, advocates for homeownership, and protectors of property rights, REALTORS® are engaged in efforts to reckon with the past and build a more equitable future. Here are three stories of progress. Black Lands Matter: Preserving Heirs' Property In January 1865, during the last months of the Civil War, the Union army implemented Field Order 15, confiscating a strip of coastline stretching along the “rice coast” from Charleston, S.C., to the St. Johns River in Florida. The order redistributed roughly 400,000 acres of land to newly freed Black families in 40-acre settlements. For formerly enslaved families, the land represented an opportunity to begin a new life.

Later that year, after the war’s end, President Andrew Johnson overturned Field Order 15 and returned most of the land along the rice coast to its former owners. The federal government never honored its promise to make restitution for slavery.

Despite this failure, by 1910 around 200,000 Black farmers owned an estimated 20 million acres of land nationwide, mostly in the South. A century later, 90% of that land has been lost. The reasons for Black land loss are many, including government programs that boosted white farmers while withholding assistance from Black-owned farms, private banks’ discriminatory denial of loans to Black farmers, swindles by speculators, and acts of violence that forcibly removed Blacks from their land. The value of the lost land is around $350 billion, says Thomas Mitchell, law professor at Texas A&M University. Lost opportunities to use the land as collateral to send children to college, invest in businesses, or engage in other wealth- generating activity may bring the total up to $1 trillion in lost wealth, according to Mitchell, who is assessing the scope of the losses with a group of economists. While some of the practices that caused Black land loss are artifacts of history, one—heirs’ property, a colloquial term for inheriting land as a “tenancy in common” after the owner dies without a will—remains a threat to Blacks and others who lack access to estate planning. Owning land as tenants in common means individual descendants lack clear title—owning a fractional interest in the entire property rather than a specific piece. After generations of inheritance, ownership may be fragmented among tens or hundreds of heirs. Any of these owners, even one with a 1% interest, can force a court-ordered partition sale, even if the other owners oppose it. A partition sale under state law typically results in a hasty public auction, yielding a price well below market value. There is no appraisal, no inspection, and no financing—the winning bid must be paid in cash on the day of the sale. Speculators have seized upon this legal mechanism to buy a fractional share of the property, force a partition sale, push any remaining heirs off the land—including those who have lived there for generations—and then develop and sell the land at its full market value. By some estimates, more than 75% of Black Americans (compared to 35% of whites) die without a will, due to lack of affordable legal services or distrust of the legal system. More than 60% of Black-owned land nationwide is estimated to be heirs’ property. And it's not only a rural issue. Problems can arise whenever real property is inherited by multiple heirs without a will. COMMUNITY CHAMPION: REALTOR® Shakeima Chatman frequently encounters heirs' property issues around Charleston, S.C., that delay real estate transactions.

Shakeima Chatman, broker-associate with Carolina Elite Real Estate and owner of the Chatman Realty Group in Charleston, S.C., has worked with buyers and sellers to confront heirs’ property problems. “People want to protect their title, but if they’re already in financial distress, they cannot afford to pay the legal fees to get the title cleared. And then you have someone knocking at your door saying ‘Hey, I can give you X amount of dollars and this can all go away.’ Not realizing that the X amount of dollars they’re being offered is far from fair market value,” says Chatman. “The community is being preyed upon.”

Mitchell has drafted model legislation, called the Uniform Partition of Heirs’ Property Act, to protect landowners from these predatory practices. The UPHPA, which since 2011 has been adopted by 17 states and the Virgin Islands, “represents the most substantial reform to this law of partition ever. The partition law hadn’t been changed in 100 or 125 years,” he says.

The law includes a provision giving heirs the right to buy out the interest of a co-owner before a forced partition sale and the requirement that, if a property is sold, it be done on the open market. “An open market sale is trying to replicate a sale between a willing seller and a willing buyer,” says Mitchell. “The court appoints a real estate broker to market and sell the property, using commercially reasonable norms and practices that they would use for a typical sale. Owners walk away having their rights to the property extinguished, but they can walk away having preserved a substantial amount of their real estate wealth,” Mitchell says.

The campaign to expand UPHPA adoption got a boost in the 2018 farm bill, which gives heirs' property owners eligibility for various federal loan and disaster relief programs if their states have passed the act.

South Carolina adopted the UPHPA in 2016 with the support of the South Carolina Association of REALTORS®. “One of the things I love about the law is that it requires an appraisal, so that people aren’t being cheated out of the land,” says Chatman. “The other part that I like is that one person can’t force the entire family to sell off the property. Oftentimes, when I see that happen, it’s usually the family member who's no longer invested in South Carolina, who no longer lives in South Carolina, that wants to sell the land,” Chatman says.

As vice chair of the Charleston Trident Area Association of REALTORS®’ Diversity and Inclusion Task Force, Chatman is working with the local association to develop community outreach to educate consumers on property rights and assist clients dealing with heirs’ property issues. “If you are a member of the National Association of REALTORS®, you are abiding by the Code of Ethics. The Code says that we are to protect property rights, and we are to protect the public. If we realize that there is a vulnerable population that isn’t being protected, it’s our responsibility to ensure that they are.”

Mitchell agrees that real estate professionals have an important role to play. “Let’s recognize there is still some significant wealth even in these disadvantaged communities, and let’s do whatever we can to help those communities preserve that wealth. That is a substantial contribution real estate brokers can make to the goal of wealth preservation.”

Path to Reparations: Evanston, Ill.

On Nov. 25, 2019, Evanston, Ill., became the first city in the U.S. to commit public funds to reparations for Black citizens. The city council of the suburban community of 74,000, just north of Chicago, took the action following a resolution five months earlier in which it formally apologized for “the use of zoning laws that supported neighborhood redlining, municipal disinvestment in the black community, and a history of bias in government services.”

To pay for the reparations program, the city earmarked $10 million in revenue it estimates it will raise from a 3% tax on newly legalized recreational cannabis over the next 10 years. The alderman who led the initiative anticipated pushback, but the council adopted the measure 8-1. PEOPLE POWER: Housing discrimination and segregation were the focus of a 1964 civil rights march in Evanston, Ill. “When I heard about it, I was really happy that someone was addressing the issue,” says Allyn Rawling, associate broker with @properties in Evanston. “And then when I heard how they were going to fund it, I thought, ‘What a perfect way to do so. You’re dipping into a pool of money that last year did not exist.’” After a series of public meetings where Black Evanstonians shared stories of discrimination’s impact and discussed where funds were most needed, the council’s reparations subcommittee released an initial plan to support Black homeownership in Evanston. Future reparations initiatives will focus on economic development and entrepreneurship opportunities for Black residents. The housing reparations plan commits an initial budget of $400,000 to fund grants for home purchase and improvement or mortgage assistance, expected to benefit an estimated 16 Black households in Evanston. To qualify, residents must show that they suffered discrimination in housing due to a city policy, ordinance, or practice, or are direct descendants of those who suffered under city policies between 1919 and 1969. The dates of the eligibility period are significant. In 1919, Evanston introduced its first zoning ordinance, which effectively forced the city’s Black families to move to a triangular west-side area bounded by a sewage canal and the railroad tracks. The eligibility end date is 1969, the effective year of the federal Fair Housing Act. Historian and author Andrew Wiese says Evanston’s white real estate brokers helped enforce the ordinance by developing “a practice of informal racial zoning” where “they treated a section of west Evanston as open to African Americans, while excluding them from the rest of town.” The effect of these practices was stark. At the turn of the century, Black residents had lived in various neighborhoods around Evanston. By 1940, U.S. Census Bureau data shows that 84% of Black households in Evanston lived in the triangular west side neighborhood, which was 95% Black. IN WRITING: The federal government reinforced Evanston’s segregated neighborhoods in its 1940 redlining map. Accompanying text describes how segregation contributed to a housing shortage and overcrowding.

The impact of these policies was compounded in 1940, when the federal Home Owners’ Loan Corp. redlined the west- side Black community (later known as the Fifth Ward) on its advisory lending map as “hazardous” for investment. Private banks then refused to make mortgages available to Fifth Ward residents. With few housing options for Black Evanstonians, the Fifth Ward became severely overcrowded. Residents paid higher prices for dwellings with antiquated heating and no bathing facilities, running water, or private toilets. By 1960, Evanston was one of the most segregated cities in the United States. Black residents took to the streets in 1964 to protest the real estate brokerages that had helped segregate the city. “People marched and picketed in front of real estate agencies that practiced housing discrimination. This was a big, multiethnic, multireligion effort to bring attention to housing issues in Evanston. So, it’s not by accident that Martin Luther King Jr. came here three times to address housing issues,” says Morris “Dino” Robinson, founder of the Shorefront Legacy Center, which documents the African American experience in Chicago’s North Shore suburbs. ROLE MODEL: Agent Mary Rosinski became aware of racial dividing lines in real estate as a young girl when she helped her mother Cathleen O'Rourke, who quietly worked to circumvent them during her 40-year real estate career. Mary Rosinski, an agent with Coldwell Banker and candidate for Evanston’s City Council, remembers attending one of King’s speeches. “My mom made sure we were there. That was really important to her.” Working alongside her mother, Cathleen O’Rourke, at J.H. Kahn Real Estate, beginning in 1967 when she was just 12, Rosinski began to see how the real estate industry enforced racial dividing lines. In listings, she recalls reading, “‘No Blacks allowed,’ ‘No Jews allowed.’” “I didn’t even really think about it. It was just the way things were,” she adds. “As an agent, my mom got grief because she kept trying to put people outside those invisible lines.” Rosinski’s mother got harassing phone calls after finding a home for a Black high school teacher outside of the Fifth Ward. “Agents and offices wouldn’t let her make appointments. They knew she had a reputation for not caring what religion or color you were if you wanted to live in that community.” Rosinski, chair of the North Shore-Barrington Board’s Diversity and Fair Housing Committee, is planning a series of podcasts and will use Robinson’s exhibit, “Redlining Evanston,” to educate real estate professionals on Evanston’s history of housing discrimination. She believes the industry must make amends for “a system that prevented fellow human beings from enjoying all the benefits of real estate. “We as white people have been allowed to create generational wealth based on our real estate,” says Rosinski. “I got something from my parents, and I’m trying to get something from my house and pass it on to my kids. But all these years, that couldn’t happen for Black people. In fact, Black people lost their houses, through policies and scams. So, we need to make it right.” She wants the reparations fund to help create wealth for the Black community that is sustainable into the future. Robinson, the historian, agrees. “I’m not looking at the impact on my generation. I’m not looking at how I benefit. I’m looking at how our grandkids will benefit.” Destruction and Renewal: Asheville, N.C. From the 1950s through the 1970s, cities across America participated in urban renewal, a national effort to improve “blighted” urban areas. In theory, urban renewal would clear substandard housing and build roads and infrastructure for modern cityscapes. In practice, however, urban renewal flattened many vibrant neighborhoods where Blacks and immigrants lived, destroying homes and businesses.

BUILDING SUPPORT: In the wake of Asheville, N.C.s, recently passed reparations measure, City Council Member and REALTOR® Sandra Kilgore is eager to address ways to boost economic opportunities in the Black community. Sandra Kilgore, broker-in-charge with Kilgore & Associates and a newly elected city council member in Asheville, N.C., remembers watching urban renewal happen in her neighborhood in the mid- 1960s, starting when she was about 10 years old. “When they were taking homes, I remember asking my father, when are they going to get to ours? At that time, I didn’t realize what was going on. I just knew that people were moving into the new public housing development. I just thought that was wonderful, that they could move into a new place.” As she got older, Kilgore realized that her childhood beliefs were mistaken. “People were under the impression that it was being done to help them,” recalls Kilgore. “They were being told, we’re going to move you into public housing, and that they were going to be able to move on to homeownership again. But for many, that didn’t happen. A lot of homes were taken for next to nothing. Any equity they had built up in properties, they lost it.” Asheville’s urban renewal program was cited by its city council when, in July 2020, it became the first city in the American South to acknowledge and call for repair of the harms resulting from slavery, Jim Crow laws, and discriminatory city policies. The city, with a population of 93,000, nestled in the Blue Ridge Mountains and known for its eclectic cultural scene and George Vanderbilt’s Biltmore Estate, unanimously passed a measure authorizing reparations. The city council acknowledged that “Black people have been denied housing through racist practices in the private realty market, including redlining, steering, blockbusting, denial of mortgages, and gentrification,” and apologized for “carrying out an urban renewal program that destroyed multiple, successful black communities.” The resolution directs the city to develop recommendations to “address the creation of generational wealth and to boost economic mobility and opportunity in the Black community.” It does not authorize any funding for the measure. Patrick Bahls, professor of mathematics and director of University of North Carolina-Asheville’s undergraduate honors program, works with students in the archives at UNCA to uncover the human stories behind urban renewal and to attempt to quantify the losses. Bahls and his students have documented the stories of homes that the city took, typically paying a pittance to the owners. The land on which these properties sat has since greatly appreciated. An upscale brewery and restaurant now stand on land once occupied by six homes and a Black church. The land is appraised at $4.5 million, according to Bahls. Records he uncovered revealed that the city acquired it from the Black owners in the late 1970s for $58,000, including $20,000 for the church alone. “Imagine the loss of wealth to the Black community for that one little property. And I think that’s indicative of the whole city. We’re talking about tens of millions, or hundreds of millions, of dollars in value lost to the Black community,” says Bahls. In addition to taking Black people’s homes, urban renewal also destroyed Asheville’s Black business district. “There were thriving businesses in downtown Asheville when I was growing up, Black businesses,” says Kilgore. “Doctors, lawyers, grocery stores, retail shops. And most of them were wiped out. And then people were forced to go to the white neighborhoods for groceries or other services they needed.” While the city develops the details of the reparations plan, Bahls and Asheville’s Racial Justice Coalition are focused on ensuring that proceeds from sales of city-owned properties acquired through urban renewal go to a reparations fund. The group has twice pushed the council to delay votes on resolutions that would have sold such property and diverted monies elsewhere. The council also has adopted a resolution to suspend the sale or rezoning of most city property acquired through urban renewal until it can provide further policy direction informed by the city’s reparations commission. “We’re hoping, through our lobbying efforts, to say: These lands were acquired through urban renewal, and any sale of these lands needs to benefit reparations. Or it needs to benefit the Black community in some way,” Bahls says. Kilgore believes reparations are necessary. She decided to go into real estate after an agent tried to discourage her purchase of a home in an all-white neighborhood in the early 1980s. Then, a lender assumed she was not qualified for a mortgage, even though she had a good income from her job as a flight attendant. “I wanted to learn how badly I was treated, because I knew I was not treated right,” she said. “I decided, I’m going to get my license, and I’m going to help people in the community.” Together with the Asheville Board of REALTORS®, Kilgore has created an apprenticeship program to recruit Black residents into the industry and conducted homeownership workshops and foreclosure prevention counseling. Although there has been opposition to Asheville’s reparations resolution from other parts of the state, Kilgore believes the reparations effort holds promise for the city’s future because of its support among a broad cross- section of Asheville residents. “I can’t tell you the support I’ve gotten from a lot of white people in the community who have asked, what can I do to help the Black community? I think the climate is changing. People actually realize the damage that has been done, and people want to do something to help. And for that reason, I’m very hopeful that moving forward, we can see some change that can impact people’s lives.”

Alexia Smokler Alexia Smokler is NAR’s Senior Policy Representative for Fair Housing. She represents NAR on fair housing-related federal regulatory and legislative matters and provides subject- matter expertise to NAR training, research, and publications. Before joining NAR, she worked in fair housing enforcement at HUD’s Office of Fair Housing and Equal Opportunity, on a Congressional staff, and with nonprofit civil rights organizations. She can be reached at [email protected].

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In case you missed it: Click here to take 1.5 minutes to watch this FUN Promo Video for the new MIAAOR With customers headed NORTH again, many of your customers will be doing a Mail Away Closing!

CALL US TODAY! BE SAFE and BE WELL!!! MAIL-AWAY CLOSING TIPS

As opportunities for real estate transactions expand across county and state lines, the frequency of mail- away closings is increasing. If you are involved in a closing that requires the mailing of documents, here are some tips that can help you avoid delays:

» Inform your closing agent of the need to mail be signed in advance of the closing date, and documents as soon as possible. This will allow some require that the documents be signed in them to better coordinate the document the presence of an attorney or title officer at a preparation and signing process with the local title company office. lender. » Allow sufficient turnaround time for the » Provide your closing agent with a physical documents to be signed. This may decrease the address and the best phone number for chances of funding delays due to errors in the each party involved in the transaction. Most signing process. In order to disburse funds on overnight delivery services will not deliver to a a transaction, your closing agent may require P.O. B ox . the original documents to be returned and in their possession. Typically, the minimum time » Be aware that many lenders have specific required to send and receive documents is closing practices that may differ from local three business days. customs. Not all lenders allow documents to

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(239) 394-3900 Marcoislandlaw.com 950 North Collier Boulevard, Suite 101 Marco Island, FL 34145 ~Se habla Español~ Photo from TripAdvisor APRIL IS FAIR HOUSING MONTH

Rolling through your day on autopilot? Just because it’s second nature, doesn’t mean it’s right. Slow down and make sure you’re providing equal service to all.

April is Fair Housing Month and a great time to affi rm you’re helping to build thriving, inclusive communities. Fair housing impacts all NAR members, all markets, and all neighborhoods.

Check yourself. Educate yourself. Hold yourself accountable. Because That’s Who We R®.

Visit nar.realtor/FHM to access tools to help you prevent discrimination in real estate.

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