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首页> 外文学位 >Differences in foreclosure Rates of Owner-Occupied and Non-Owner-Occupied Residential Multi-Family Properties during Depressed Housing Market Conditions (2007--2008). Analyses of quantitative data and Survey of Key Informant Perceptions on two New Hampshire cities: Manchester and Nashua.
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Differences in foreclosure Rates of Owner-Occupied and Non-Owner-Occupied Residential Multi-Family Properties during Depressed Housing Market Conditions (2007--2008). Analyses of quantitative data and Survey of Key Informant Perceptions on two New Hampshire cities: Manchester and Nashua.

机译：住房市场低迷时期（2007--2008年）自有住房和非自有住房多户房屋的止赎率差异。新罕布什尔州两个城市：曼彻斯特和纳舒厄的定量数据分析和关键信息感知调查。

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摘要

This dissertation study examines whether owner-occupation (OO), in depressed housing markets, has significant impact on foreclosure rates of residential multi-family properties in Manchester and Nashua, New Hampshire. The study is an extension on Wardrip & Pelletiere's 2008 research that covered four New England states: New Hampshire, Connecticut, Rhode Island and Massachusetts. In this study Wardrip & Pelletiere found that residential multi-family properties have significantly higher foreclosure rates compared to single-family properties. This researcher adds value to Wardrip & Pelletiere's study by arguing that owner-occupation is a significant factor in foreclosures of residential real estate in general, and especially, in foreclosures of residential multi-family properties, in general.;To examine the problem of increasing and higher foreclosure rates amongst residential multi-family properties, the study uses quantitative and qualitative research methods. The quantitative component covers the entire population of residential 2- to 4-unit multifamily properties in Manchester and Nashua over the 2-year period from 2007 to 2008. The study compares the foreclosure rates of owner-occupied and non-owner-occupied residential multi-family properties in the two cities. For hypothesis testing Independent Samples t Test was used to measure differences in the maintenance and upkeep of randomly selected owner-occupied and non-owner-occupied multi-family properties in Manchester. Geographical Information System (GIS) mapping was used to lay out and analyze the spatial distribution of all residential multi-family properties, and the location of foreclosures within that distribution, in Manchester. Detailed interviews were conducted with key informants representing major multi-family stakeholder institutions in New Hampshire to gather their perceptions on owner-occupied and non-owner-occupied multi-family homeownership. The study found that there are significant differences between the foreclosure rates of owner-occupied and non-owner-occupied multi-family properties in Manchester and Nashua, New Hampshire.;To theoretically explain the differences in foreclosure rates of OO and NOO multi-family properties two theoretical frameworks were developed and applied, i.e., "Broken Windows" and "Meaning of Home".;Broken Windows (BW) theory, attributed to two criminologists, James Wilson and George Kelling, says that if broken windows remain unrepaired, vandals will soon break the building's remaining windows and the windows of abutting properties and those of other properties in the neighborhood. This researcher uses "Broken Windows" as a metaphor for the hypothesized relative neglect in upkeep and maintenance of NOO multi-family properties. "Meaning of Home" theory is a construct developed from four concepts: "Home Use Value"; "Meaning of Home"; "Rental Value"; and "Investment Value" as applied to owner-occupied and non-owner-occupied multi-family homeownership, based on perceived and actual expectations, behaviors and the general psychology of multi-family homeowners.;Homeowners are classified as owner-occupiers (OOs) and non-owner-occupiers (NOOs). The study argues that owner-occupiers are usually more financially and psychologically invested in the multi-family property and the neighborhood they live in. On the other hand, non-owner-occupying investors are hypothesized to be less socially and economically invested in the property and neighborhood, mainly because neither is their own home. The researcher argues that if rental income and investment value are not on a financially rewarding trajectory for the non-owner-occupying multi-family investor, there is no, or very little, incentive for him / her to continue holding on to the asset.;The study found that, on average, owner-occupied multi-family properties are significantly better maintained, and have positive social and economic externalities for their neighborhoods, communities and local authorities. This is in keeping with the Meaning of Home theory as developed and advanced in this study. Non-owner-occupied multi-family properties were found to be significantly more in disrepair, to have significantly less curb appeal, and to have significantly greater risk of being foreclosed in depressed housing market conditions. Based on GIS mapping analyses of Manchester, New Hampshire, this study also found that owner-occupied and non-owner-occupied multi-family buildings tend to cluster around each other or to be clustered in specific neighborhoods of the city.;The study recommends that low-income to moderate-income multi-family homeownership policies be seriously considered in their varied formats, including but not limited to having exploratory and specific programs that support, promote and finance owner-occupation of residential multi-family properties. The study also raises a strong case for policy makers to promote policies that support mixed-income neighborhood development, and explore possibilities for the conversion of non-owner-occupied residential multi-family buildings to owner-occupied condominiums, housing co-operatives and land trusts.
机译：本论文研究调查了在萧条的住房市场中的所有者占有（OO）是否对新罕布什尔州曼彻斯特和纳舒厄的多户住宅房产止赎率产生重大影响。该研究是Wardrip＆Pelletiere 2008年研究的扩展，涵盖了新英格兰四个州：新罕布什尔州，康涅狄格州，罗德岛州和马萨诸塞州。在这项研究中，Wardrip＆Pelletiere发现，与单户住宅相比，多户住宅房产的止赎率明显更高。该研究人员认为，所有者占用通常是住宅房地产丧失抵押品赎回权的一个重要因素，尤其是总体而言，住宅多户房地产的丧失抵押品赎回权的研究，为Wardrip＆Pelletiere的研究增加了价值。并且在多户住宅物业中，止赎率较高，该研究使用了定量和定性研究方法。定量组成部分覆盖了2007年至2008年的2年期间曼彻斯特和纳舒厄的2到4单元多户住宅物业的全部人口。该研究比较了自住和非自住住宅多套房的止赎率-两个城市的家庭财产。对于假设检验，独立样本t检验用于衡量曼彻斯特随机选择的业主拥有和非业主拥有的多户家庭财产的维护和保养差异。地理信息系统（GIS）映射用于在曼彻斯特布置和分析所有住宅多户家庭财产的空间分布，以及在此分布内止赎房屋的位置。与代表新罕布什尔州主要多户家庭利益相关者机构的主要信息提供者进行了详细的访谈，以收集他们对业主自有住房和非业主自住多户住房所有权的看法。研究发现，在新罕布什尔州曼彻斯特和纳舒厄，自住和未自住的多户住宅的止赎率之间存在显着差异。从理论上解释OO和NOO多户房屋的止赎率之间的差异属性制定并应用了两个理论框架，即“破窗”和“寓意”。破窗（BW）理论归功于两位犯罪学家James Wilson和George Kelling，他说，如果破窗不予修复，就成为破坏者很快就会破坏建筑物的其余窗户以及邻接物业和附近其他物业的窗户。这位研究人员使用“残破的窗户”作为隐喻来假设在维护和维护NOO多户家庭财产方面相对忽视。 “房屋的含义”理论是从四个概念发展而来的：“房屋使用价值”； “寓意”； “租赁价值”；以及根据感知的和实际的期望，行为和多家庭房主的一般心理，将“投资价值”应用于所有者自用和非所有者自住的多户家庭购房。；房主被归类为自住者（OOs） ）和非所有者占用者（NOO）。该研究认为，业主通常会在多家庭财产及其所居住的社区上进行更多的财务和心理投资。另一方面，假设非业主投资者对房地产的社会和经济投资较少和邻居，主要是因为他们都不是自己的家。研究人员认为，如果非所有者居住的多户家庭投资者的租金收入和投资价值不在财务上可取的轨迹上，那么他/她继续拥有资产的动机就没有或只有很少的诱因。 ；研究发现，平均而言，业主自用的多户家庭财产得到的维护明显更好，并且对其邻里，社区和地方当局具有积极的社会和经济外部性。这与本研究中发展和完善的“家园”理论的含义是一致的。发现非业主居住的多户家庭的房屋严重失修，遏制上诉的可能性大大降低，并且在萧条的住房市场条件下被取消抵押品赎回权的风险明显更大。根据新罕布什尔州曼彻斯特的GIS映射分析，本研究还发现，自住和非自住的多户住宅建筑往往相互聚集或聚集在城市的特定社区中。低收入到中等收入的多户家庭购房政策应以各种形式认真考虑，包括但不限于制定具有探索性和特定意义的计划来支持，促进和资助业主对多户住宅物业的占用。该研究还为政策制定者提供了有力的理由，以促进支持混合收入社区发展的政策，并探索将非所有者居住的多户住宅建筑转变为所有者居住的公寓，住房合作社和土地的可能性。信任。

著录项

  • 作者

    Dhliwayo, Lovemore Liberty.;

  • 作者单位

    Southern New Hampshire University.;

  • 授予单位 Southern New Hampshire University.;
  • 学科 Sociology Theory and Methods.;Sociology Demography.;Urban and Regional Planning.
  • 学位 Ph.D.
  • 年度 2010
  • 页码 192 p.
  • 总页数 192
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

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