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Policies that encourage tenure mix as a strategy to help narrow socio-spatial distance between homeowner households and their renter counterparts have a long and controversial history in North American and European cities. Research that seeks to evaluate the merits of such policies has typically focused on the frequency of encounters between these two types of household, at the expense of the quality of this contact. Accessory apartments in subdivided houses (also known as secondary suites) provide a germane micro-scale environment to examine the content of interactions between homeowners and renters. Inspired by Gill Valentine's work on 'encounters with difference' and using a series of interviews with secondary-suite homeowner-landlords and their tenants in the city of Vancouver, this article illustrates three types of encounters across tenure-based difference. These examples of conflictive, tolerant, and respectful encounter provide helpful material to reflect on the limitations of tenure mix as a macro-scale policy.

Over the past few decades, many homeowners in North American cities have engaged in the practice of converting under-utilised spaces in their house (such as basements and attics) into self-contained apartments known as accessory dwelling units or secondary suites. Such apartments are then often rented out in order to generate 'mortgage helper' revenue. Homeowners-cum-landlords often benefit from professional expertise received from real estate agents and mortgage brokers at the initial stages of entering this private rental housing market. But interviews I conducted in Vancouver with homeowners renting out secondary suites reveal that the 'lay expertise' required to navigate ongoing participation in this rental market is often generated by homeowner-landlords themselves. All the same, the interviews also provide evidence that not all homeowner-landlords succeed in developing or acquiring sufficient lay expertise. The production and circulation of this lay knowledge, I conclude, are contingent rather inevitable processes.

AbstractThis article draws on Margaret Radin's theorization of 'contested commodities' to explore the process whereby informal housing becomes formalized while also being shaped by legal regulation. In seeking to move once‐informal housing into the domain of official legality, cities can seldom rely on a simple legal framework of private‐law principles of property and contract. Instead, they face complex trade‐offs between providing basic needs and affordability and meeting public‐law norms around living standards, traditional neighbourhood feel and the environment. This article highlights these issues through an examination of the uneven process of legal formalization of basement apartments in Vancouver, Canada. We chose a lengthy period—from 1928 to 2009—to explore how basement apartments became a vital source of housing often at odds with city planning that has long favoured a low‐density residential built form. We suggest that Radin's theoretical account makes it possible to link legalization and official market construction with two questions: whether to permit commodification and how to permit commodification. Real‐world commodification processes—including legal sanction—reflect hybridization, pragmatic decision making and regulatory compromise. The resolution of questions concerning how to legalize commodification are also intertwined with processes of market expansion.

Current research depicts suburbs as becoming more heterogeneous in terms of socio-economic status. Providing a novel analysis, this paper engages with that research by operationalising suburban ways of living (homeownership, single-family dwelling occupancy and automobile use) and relating them to the geography of income across 26 Canadian metropolitan areas. We find that suburban ways of living exist in new areas and remain associated with higher incomes even as older suburbs, as places, have become more diverse. In the largest cities the relationship between income and suburban ways of living is weaker due to the growth of condominiums in downtowns that allow higher income earners to live urban lifestyles. Homeownership is overwhelmingly more important than other variables in explaining the geography of income across 26 metropolitan areas.

American mortgage markets, once arenas of discrimination by exclusion, now operate as venues of segmentation and discrimination by inclusion: credit is widely available, but its terms vary enormously. One market segment involves sophisticated predatory practices in which certain groups of borrowers are targeted for high-cost credit that strips out home equity and worsens the risks of delinquency, default, and foreclosure. Unfortunately, it has become more difficult to measure inequalities of predatory lending: race–ethnicity and gender are 'disappearing' from the main public data source used to study, organize, and mobilize on issues of lending inequalities. In this paper, we present a mixed-methods case study of statistical representation of homeowners and homebuyers marginalized by race, ethnicity, and gender. A theoretical examination of official data-collection practices is followed by a discussion of alternative meanings of racial–ethnic and gender nondisclosure. Interviews with a sample of homeowners and homebuyers in the Washington, DC, area reveal some respondent ambivalence about the details of data-collection practices, but provide no consistent support for the idea that nonreporting is solely a matter of individual choice. Econometric analyses indicate that nondisclosure is driven primarily by lending-industry practices, with the strongest disparate impacts in African-American suburbs. Predatory lending is producing ambivalent spaces of racial-ethnic and gender invisibility, requiring new strategies in the reinvestment movement.

Suburbs that developed in metropolitan Canada post-World War II have historically been depicted as homogeneous landscapes of gendered domesticity, detached housing, White middle-class nuclear families, and heavy automobile use. We find that key features of this historical popular image do in fact persist across the nation's contemporary metropolitan landscape, particularly at the expanding fringes and in mid-sized cities near the largest metropolitan areas. Th e findings reflect suburbanization into new areas, point to enduring social exclusion, and recall the negative environmental consequences arising from suburban ways of living such as widespread automobile use and continuing sprawl. However, the analysis also points to the internal diversity thatmarks suburbanization today and to the growing presence of suburban ways of living in central areas. Our results suggest that planning policies promoting intensification and targeting social equity objectives are likely to remain ineff ective if society fails to challenge directly the political, economic and socio-cultural drivers behind the kind of suburban ways of living that fit popular imaginings of post-World War II suburbs in central areas. Our results suggest that planning policies promoting intensification and targeting social equity objectives are likely to remain ineffective if society fails to challenge directly the political, economic and socio-cultural drivers behind the kind of suburban ways of living that fit popular imaginings of post-World War II suburbs.