Could additional first-time homebuyer incentives and more flexibly underwritten loans reverse declining rates of homeownership in Baltimore? The short answer: not alone.

In this report, Overcoming Barriers to Homeownership in Baltimore City, authors Sally Scott of the University of Maryland Baltimore County and Seema Iyer of the Jacob France Institute at the University of Baltimore analyze recent homeownership trends in Baltimore by neighborhood and race, review the current system for promoting homeownership, and identify significant barriers to homeownership.