A new report by the Institute for Housing Studies at DePaul University shows that apartment owners in lower-income neighborhoods struggle with receiving loans, despite the demand for housing in those areas. This means that landlords on the city’s South and West Sides struggle to finance apartment deals and can’t afford maintenance projects. But for owners on the city’s North Side and downtown area, landing an apartment loan is a breeze. Geoff Smith, Executive Director of the Institute for Housing Studies at DePaul University, joins us to talk about the lending gaps between lower and moderate income neighborhoods and why larger loans are targeted to wealthier communities.