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Chicago’s two-, three- and four-flats are a key source of affordable housing. The pandemic might be changing that.

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The findings were outlined in a December report by researchers from the American Bar Foundation and the University of Illinois at Chicago, which examined small, independently-owned rental properties in Chicago, such as two- and three-flats. The buildings make up a large portion of the country’s supply of unsubsidized affordable housing, and many of the landlords manage their properties in ways that benefit tenants, such as limiting rent increases, forgoing fees and being more flexible on partial or late payments, according to the study.

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