Fasten Your Seatbelts: My Experience on Portland’s Fair Housing Bus Tour

I recently joined the Fair Housing Bus Tour Portland, hosted by the Fair Housing Council of Oregon. This powerful tour explores Portland’s history of housing discrimination and the communities that fought for fairness and inclusion.

Portland’s hidden housing history—stories about exclusion, resilience, and progress.

It was more than an educational experience. It was emotional. I left with a deeper understanding of how Oregon’s past still shapes our neighborhoods today.

Beginning at the Dr. Martin Luther King Jr. Statue 🏛️

Our first stop on the Fair Housing Bus Tour Portland was the Dr. Martin Luther King Jr. statue outside the Oregon Convention Center. The monument depicts three figures: Dr. King, an immigrant worker, and a child. Together, they represent courage, unity, and the hope for equality.

Standing before the statue, I thought about the people who came to Oregon searching for opportunity. Many immigrants, workers, and families were met with laws that excluded them instead of welcoming them. Early Oregonians argued that housing was a “personal transaction” and that government shouldn’t interfere. Sadly, that belief created space for systemic housing discrimination that lasted generations.

From Albina to Montavilla: A City Divided 🏙️

Next, the Fair Housing Bus Tour Portland visited neighborhoods that were once separate towns — Albina, Montavilla, and others. Each area has a story of growth, loss, and resilience.

Albina once served as the heart of Portland’s Black community. Williams Avenue buzzed with Black-owned businesses, music venues, and cultural pride. By the 1990s, Albina’s population was about 75% Black. By 2020, it had dropped to 25%. Many families were pushed east to Gresham and East Portland, where sidewalks, grocery stores, and public services remain scarce.

Portland’s transformation tells a difficult truth. It’s now considered one of the most gentrified cities in the nation. Understanding how that happened is crucial if we want to build a more inclusive city.

The Bigger Picture: Land, Power, and Policy 🌎

The Fair Housing Bus Tour Portland also explained how government policy shaped who could own land. The Donation Land Act of 1850 gave white settlers millions of acres of Native land. Later, the Dawes Severalty Act of 1887forced Native families into individual ownership, which led to widespread land loss.

Even in the 1900s, injustice continued. Between the 1930s and 1960s, less than 2% of FHA loans went to nonwhite families. These policies prevented homeownership for thousands and deepened racial wealth gaps that still exist today.

The Golden West Hotel: A Symbol of Community and Pride 🏨

Another memorable stop on the Fair Housing Bus Tour Portland was the Golden West Hotel, once the largest Black-owned hotel on the West Coast. Located near Union Station, it gave Black travelers a safe place to stay during segregation.

The building still stands today, owned by Central City Concern, but its legacy runs deeper. Nearby stood Mount Olivet Baptist Church, which the Ku Klux Klan pushed to move out of downtown. These stories revealed how racism wasn’t only social — it was systemic and deliberate.

Hard Truths and Lessons Learned ⚖️

The tour continued to uncover painful chapters of history. At the Portland Expo Center, we learned it was once used as a Japanese American assembly center during World War II. Families, two-thirds of whom were U.S. citizens, were held there before being sent to internment camps.

We also discussed Portland’s Red Squad, a police unit that targeted activists, and the Silver Shirts, a local hate group modeled after Nazi Germany’s brownshirts. These facts were hard to hear but necessary to confront.

Hearing these stories, I was reminded of one quote from our guide:

“Every accusation is a confession.”
It spoke to the hypocrisy of discrimination — how fear often projects itself outward, targeting others to mask its own insecurity.

Connecting the Past to the Present 🌾

The Fair Housing Bus Tour Portland also highlighted how inequity reached beyond the city. During the 1970s, small family farms collapsed as big agriculture took over. Whether in rural or urban Oregon, communities with less power lost the most.

Writer William Faulkner once said, “The past isn’t even past.” After this tour, that quote felt more real than ever. Portland’s history lives in its streets, its housing, and its policies.

Why You Should Take This Tour ✊

This tour changed how I see my city. It connected history, policy, and humanity in a way that reading alone cannot. Whether you’re a local resident, a student, a business owner, or part of a community organization, this experience is worth taking.

Go as an individual or bring your company, team, or group. The conversations that follow will inspire awareness, empathy, and change.

Final Reflection

The Fair Housing Bus Tour Portland isn’t just about the past — it’s about our responsibility now. Learning these stories helps us understand why equity and fair housing matter today.

If you live in Oregon, I encourage you to take the tour. It will challenge you, inform you, and move you to think differently about what “home” truly means.

Contact me today! To read more about my expertise in East Portland check out my blog

Navigating Your Home Purchase: Who’s Who in a Real Estate Deal

Understanding the Key Players in Your Home Buying Journey

Buying a home involves several key players, each with a unique role. In this blog post, I’ll walk you through the major roles in a real estate transaction, what they do, and how they help ensure a smooth process. Whether you’re a first-time buyer or an experienced investor, understanding these roles will give you the confidence to navigate your home buying journey.

The Real Estate Agent: Your Project Manager

First and foremost is your real estate agent. Think of your agent as the project manager of your home buying process. Their job is to guide you from start to finish. Here’s what you can expect from your real estate agent:

  • Scheduling Tours: Arranging viewings for properties you’re interested in.
  • Determining Comps and Offer Strategy: Helping you understand the market value and craft a competitive offer.
  • Negotiating Deals: Working to get you the best terms possible.
  • Scheduling Inspections: Coordinating necessary inspections to ensure the property is in good condition.
  • Connecting with Contractors: Providing referrals for any needed repairs or renovations.
  • Resource Direction: Guiding you to tax or legal professionals as needed.

The Lender: Securing Your Mortgage

Next is the lender, who plays a crucial role in securing the financing for your home. They will:

  • Pre-Approval Process: Help determine how much you can borrow and identify suitable loan programs.
  • Document Collection: Request necessary documents to process your loan application.
  • Loan Processing: Guide you through the steps to secure your mortgage, providing clarity on your financial obligations.

It’s essential to work with a lender who communicates effectively and who you can trust. Poor communication can jeopardize your transaction.

The Escrow Officer or Title Company: Ensuring Neutrality

The escrow officer or title company acts as a neutral third party in the transaction. Their responsibilities include:

  • Holding Earnest Money: Managing the deposit you make when your offer is accepted.
  • Facilitating the Closing: Ensuring all paperwork is completed and funds are distributed correctly.
  • Providing Title Insurance: Protecting you against any title disputes.

Home Inspectors: Assessing Property Condition

Home inspectors are like the primary care doctors for your new home. They meticulously examine the property to identify any potential issues. Key tasks include:

  • Detailed Inspections: Checking structural integrity, plumbing, electrical systems, and more.
  • Referrals to Specialists: Suggesting further inspections if they find potential problems.

The Appraiser: Determining Home Value

Appraisers assess the value of the home to ensure the lender is not over-lending. They are a neutral third party and you won’t have much direct contact with them. Their role is crucial for:

  • Valuation: Ensuring the home’s value justifies the loan amount.
  • Risk Mitigation: Protecting the lender from overextending credit.

The Insurance Agent: Securing Home Insurance

Home insurance is mandatory when buying a home. An insurance agent will:

  • Policy Selection: Help you choose the right insurance policy for your home.
  • Bundling Options: Provide options to bundle home insurance with other policies for discounts.

Other Key Players

Additional roles that may come into play include:

  • Transaction Coordinators: Assist with paperwork and ensure everything runs smoothly.
  • Home Warranty Providers: Offer warranties to cover potential mechanical issues.
  • Contractors: Provide estimates and complete any necessary repairs or upgrades.

Conclusion

Understanding the roles of these key players in a real estate transaction can help you navigate the process with confidence. If you have any questions about buying a home or need more personalized advice, feel free to reach out to me. Connect with me on YouTube, Instagram, or Facebook.

For a more detailed consultation or to get started on your home buying journey, schedule a free strategy session here. You can also access my Free Buyer’s Guide to help you through every step of the process here.

The Growing Opportunity of Midterm Rentals

Midterm rentals are properties rented for more than 30 days but less than a year. They are gaining attention as a smart investment strategy for homeowners and investors. These rentals have become more popular in recent years because they can bring in good money, even in today’s challenging housing market.

What Are Midterm Rentals?

Midterm rentals fall between short-term rentals (like Airbnb) and long-term rentals (leases for a year or more). These properties are rented for months at a time, often to people who need a temporary place to stay but not for just a few days. Midterm rentals became even more popular during the pandemic when many cities put rules on short-term rentals.

Who Stays in Midterm Rentals?

Midterm rentals work well for:

  • Traveling Medical Staff: Nurses and healthcare workers often need a place to stay for a few months while working in different cities.
  • Workers on Temporary Projects: Construction workers, consultants, and other professionals who travel for work prefer staying in midterm rentals over hotels.
  • Families Trying Out a New City: People who want to move but aren’t ready to buy a home might rent a place for a few months to see if they like the area.

Why Invest in Midterm Rentals?

Midterm rentals can make more money than long-term rentals. This is because people staying for a few months often pay more than those who sign a year-long lease. Plus, midterm renters are usually professionals or families, so they tend to take better care of the home.

Unlike short-term rentals, midterm rentals don’t come with as many rules and regulations. This makes them easier to manage. Since people are staying longer, there are also fewer cleanings and turnovers, which saves time and money.

What Types of Homes Are Best?

Homes with 1-2 bedrooms are often the best fit for midterm rentals. This is because most midterm renters are single travelers, couples, or small families. A two-bedroom home where one room can be used as an office is also popular. Midterm renters look for places that are comfortable and well-kept, but the home doesn’t need to be fancy.

Where Should You Invest?

The best places for midterm rentals are cities or towns with:

  • Hospitals and Medical Centers: Traveling nurses and healthcare staff often need nearby housing.
  • Big Companies and Construction Projects: Workers coming in for temporary projects look for midterm rentals instead of hotels.
  • Areas with Few Hotels: If there aren’t many hotels or the hotels are too expensive, people will prefer midterm rentals.

Examples of Good Markets: Cities like Seattle and Nashville are popular, but smaller towns and rural areas with business hubs can be great options too. Check if there’s demand by looking at how many hotels or other rental options are in the area.

Is Now a Good Time to Start?

Yes! The midterm rental market is still growing and not as crowded as short-term rentals like Airbnb. Experts say it’s like how short-term rentals were in 2012, which was a great time to get started. By investing in midterm rentals now, you can build experience and get ahead as more people find out about this type of rental.

Tips for Starting:

  • Research Your Market: Know who will be renting and why. This could be medical workers, business travelers, or families.
  • Start Locally: If you live in or near a city with a big hospital or major companies, consider starting there. You already know the area, which helps with setting prices and marketing.

Ready to Explore Midterm Rental Options in Portland?

If you’re interested in exploring midterm rental opportunities in Portland, I’d love to help! Whether you’re looking to invest or simply learn more, I can guide you through the process. Schedule a time to chat with me using my link, and let’s discuss your goals and options.

Top 5 Benefits of Owning a Home

🏡 Top 5 Benefits of Owning a Home + Future Real Estate Trends in Oregon & Washington

If you’ve ever considered buying a home, you’ve likely wondered whether it’s really worth it. The good news: homeownership offers many advantages that can make it one of the best long-term investments you’ll ever make. In regions like Oregon and Washington—known for their strong economies, natural beauty, and growing communities—the outlook for homeowners is especially positive. Let’s break down the top five benefits and look ahead at what the next 10 years may hold for this market.


✅ 1. Build Equity & Wealth Over Time

Every mortgage payment increases your ownership stake. Instead of paying rent to a landlord, you’re building equity—your share of the home’s value. Over time, homes tend to appreciate, which grows your wealth.

✅ 2. Predictable Monthly Costs

Fixed-rate mortgages offer consistent monthly payments. That means no more surprise rent increases. Predictability gives you control over your finances and long-term planning.

✅ 3. Tax Benefits

Homeowners may deduct mortgage interest and property taxes, reducing taxable income. This makes homeownership more affordable at tax time. (Always consult a tax professional.)

✅ 4. Personal Freedom

When you own, you can truly make your house a home. Remodel the kitchen, plant fruit trees, or create a home office. Ownership gives you the freedom to live how you want—without a landlord’s restrictions.

✅ 5. Stability & Community Roots

Buying often leads to long-term residence. That means deeper neighborhood ties, better school planning, and a stronger sense of belonging. In the Pacific Northwest, where community connection matters, this is a major benefit.


🔮 Future Trends in Oregon & Washington Housing Markets

🏙️ Price History & 10-Year Market Outlook in Oregon & Washington

📉 Past 10 Years (2014–2024)

Over the last decade, home prices in the Pacific Northwest have seen remarkable growth:

  • Portland, OR: From 2014 to 2019, Portland’s median home price surged by 45%, and by 2024, homes were consistently listing around $550,000. According to Zillow, the median price hovered around $391,000 in 2018 and has continued to climb.

  • Seattle, WA: Seattle saw explosive growth with prices rising over 100% between 2012 and 2022. The median home price exceeded $900,000 at its peak in mid-2022 before cooling slightly to about $765,000 in 2024.

  • Vancouver, WA: Vancouver has benefited from Portland metro growth while offering slightly more affordable homes. The median home price in 2014 was around $230,000. By 2024, that figure had more than doubled to about $500,000, according to Redfin.

🔮 Next 10 Years (2024–2034)

Looking forward, market predictions point to continued—though slower—growth across the region:

  • Portland, OR: Realtor.com projects Portland could become a “million-dollar market” by 2033, with median prices reaching over $1,051,000. This is based on its historic 2014–2019 growth trajectory.

  • Seattle, WA: While Seattle has seen a short-term dip, Zillow forecasts a modest 1.5% increase over the next year. Long-term, steady tech sector growth and urban demand will likely keep Seattle among the nation’s top-valued markets.

  • Vancouver, WA: Growth here is expected to continue as Portland buyers seek affordability across the Columbia River. While specific 10-year projections are less publicized, the city’s strategic location, new development, and strong school districts suggest values will rise steadily.

Nationally, Fannie Mae predicts home prices will grow by about 3.8% in 2025, easing to 3.6% in 2026, with the West Coast expected to see slightly below-average appreciation due to already high price baselines.

🛠️ Policy & Development

Both states have introduced zoning reforms to fight housing shortages. Oregon now allows more multi-unit buildings in formerly single-family zones. Portland’s Residential Infill Project enables up to four units per lot, helping add “missing middle” housing.

These changes are expected to boost supply over the next decade, gradually easing pressure on buyers.


🌲 Why the Pacific Northwest is a Smart Buy

Oregon and Washington continue to attract new residents thanks to:

  • Expanding job markets in tech, healthcare, and green energy

  • Outdoor access to forests, coastline, and national parks

  • Top-rated schools and universities

  • Strong local food, art, and innovation cultures

These regional strengths support long-term property value, especially in high-demand areas like the Portland metro, Vancouver, Bend, Seattle, and Spokane.


📈 What to Expect in the Next 10 Years

Experts predict moderate appreciation, increased construction, and more accessible homeownership thanks to local and state housing policy changes. While the market may cool slightly in the short term, long-term trends remain positive—especially in desirable, high-growth areas.


🗝️ Final Thoughts

Buying a home is about more than just square footage—it’s about stability, freedom, and investing in your future. And in Oregon and Washington, that investment is looking strong. Whether you’re a first-time buyer or planning a move, the time to explore your options is now.

Want help creating a custom buying or selling strategy in this changing market?
Let’s connect! 

https://www.livingroomre.com/agents/jessicaward/

Navigating Real Estate with Tenants? Here’s Why You Need to Know About Estoppels

What Is an Estoppel?

If you’re involved in real estate transactions, especially those with multi-family properties or tenants, you’ve likely heard the term “estoppel.” But what exactly is an estoppel, and why is it important in real estate?

An estoppel is a legal document provided by a tenant during a real estate transaction. It outlines key details about the lease agreements, including the tenant’s rights and responsibilities, as well as other relevant information. Think of it as a written confirmation from the tenant that details the terms of the lease, which can be crucial in preventing future disputes.


Key Details Included in an Estoppel

Some key details typically included in an estoppel are:

  • Names of all tenants and occupants in the unit
  • Lease term, including start and end dates
  • Rental payment amount and due dates
  • Security deposit details
  • Responsibility for utilities
  • Ownership of appliances
  • Information about pets
  • Any problems or repairs needed
  • Other agreements made with the landlord

Why Are Estoppels Important?

Estoppels are voluntary, meaning a tenant isn’t required to fill one out. However, they are in the tenant’s best interest because they bring any unwritten rules or expectations to light. This can be particularly important if there are verbal agreements between the tenant and the landlord that aren’t documented in the lease.

For instance, if a tenant has a verbal agreement with the landlord that the landlord will handle lawn maintenance, but the lease doesn’t reflect this, the estoppel provides an opportunity to clarify such arrangements. This helps both the buyer and tenant understand the full scope of their obligations and rights.


The Pros of Using an Estoppel

One of the biggest advantages of using an estoppel is that it helps eliminate potential disputes down the road. By having everything documented, both the buyer and tenant are protected. For the buyer, it’s an added layer of security, ensuring there are no surprises after the deal is closed. It also helps in understanding the tenant’s expectations, which is crucial for maintaining a good landlord-tenant relationship.

Additionally, an estoppel can serve as a defense if a tenant later claims that certain agreements were in place with the previous landlord. With an estoppel in hand, you have written proof of what was agreed upon at the time of purchase.


The Cons of Using an Estoppel

While estoppels offer significant benefits, there are a few potential downsides to consider. First, because they are voluntary, tenants may refuse to fill them out or may delay doing so until after the inspection period. This can be frustrating, especially if you’re trying to finalize the details of your purchase.

Another potential downside is that an estoppel might reveal unfavorable terms or conditions that you weren’t aware of before. While this can be disheartening, it’s better to know these details upfront rather than being blindsided later.


Final Thoughts

In real estate, especially when dealing with properties that have tenants, an estoppel is a valuable tool that can help clarify lease terms and protect both buyers and tenants. While there are some limitations to what an estoppel can accomplish, its ability to document and confirm lease details makes it a crucial element in many transactions.

If you’ve encountered estoppels in your own transactions or have any tips to share, I’d love to hear about your experiences in the comments below. If you found this post helpful, be sure to check out the full video on my YouTube channel: Avoid These Real Estate Mistakes: The Truth About Estoppel. And, of course, don’t forget to like, subscribe, and share this content if you think it could help others navigate their real estate journeys!

Connect with me on YouTube, Instagram, or Facebook for more insights into real estate. If you’re looking for personalized advice, feel free to schedule a free strategy session here. Don’t forget to grab your free Homebuyer’s Guide here to make your real estate journey even smoother!


Disclaimer: Please note, I am not a lawyer. The information provided in this blog post is based on my experience as a real estate professional and is intended for educational purposes only. For legal advice, please consult a qualified attorney.

Jessica Ward Knows Outer NE Portland

Jessica Ward Knows Outer NE Portland

Looking for a real estate agent in Outer NE Portland? Look no further! My name is Jessica Ward, and I’m proud to serve the neighborhoods of Parkrose, Parkrose Heights, Argay Terrace, Maywood Park, Russell, Hazelwood, and Wilkes.

I’ve lived here for years and even attended Parkrose High School. I know every corner — from the quiet residential streets to the busy local spots. My deep roots and local expertise help me guide buyers and sellers through every step of the Outer NE Portland real estate market with confidence.

My First Transaction: Listing in Russell

One of my proudest moments was my first-ever listing in the Russell neighborhood.
With careful planning and strong marketing, that home went from active to pending in just 3 days!

That experience taught me how powerful preparation and communication can be. Since then, I’ve dedicated myself to giving every client the same high level of personal attention. There’s nothing quite like helping someone move forward in the community I call home.

Local Knowledge You Can Trust

Parkrose Pride
As a Parkrose High School alum, I share a special connection to this community. I know its people, its rhythm, and its character.

Insider Tips
Because I’ve lived in and around these neighborhoods, I can tell you more than just where the houses are. I can tell you where to:

  • Find the freshest produce at local farms like Rossi, Spade & Kindess farm

  • Enjoy a quiet beach day on the Columbia River

  • Take a quick hike in the Gorge and still be home for lunch

  • Score the best deals at Costco or transform your home with a trip to IKEA

Community Connections
Over the years, I’ve built lasting relationships with neighbors, small businesses, and local organizations. Staying involved helps me stay informed — about market trends, community events, and neighborhood growth.

The Homes of Outer NE Portland

Each neighborhood in Outer NE Portland has its own look, feel, and history.

Parkrose & Parkrose Heights
These areas grew rapidly in the 1950s–1970s. You’ll see many mid-century ranches, cozy bungalows, and tree-lined streets. Their easy freeway access and close proximity to the airport make them especially convenient for commuters.

Argay Terrace
Most homes here were built in the 1960s and 1970s. Expect larger lots, split-level homes, and distinctive Pacific Northwest architecture. Many homeowners take great pride in maintaining and updating their properties.

Maywood Park
Developed in the 1930s, Maywood Park is known for its mature trees and historic charm. This “city within a city” was incorporated to preserve its unique neighborhood character.
👉 Learn more at cityofmaywoodpark.com.

Russell
Russell offers a quiet, suburban atmosphere with ranch, split-level, and two-story homes built mainly in the late 1900s. Its peaceful streets and variety of home sizes make it great for families.

Hazelwood & Wilkes
These neighborhoods expanded in the 1950s and 1960s, with some newer builds mixed in. You’ll find an affordable mix of classic ranches and modern townhomes, perfect for first-time buyers and investors alike.

This blend of history, charm, and variety makes Outer NE Portland one of the city’s most appealing areas to call home.


Ready to Buy or Sell in Outer NE Portland?

If you’re ready to buy or sell in Outer NE Portland, I’d love to help.
My lived experience, market knowledge, and community connections give you a real advantage — whether you’re purchasing your first home, moving up, or downsizing.

Let’s talk about your goals, your timing, and how we can make it all work.
Let my first listing in Russell inspire your next real estate success story!

👉 Learn more about me at Living Room Realty