House property & its management

Two years ago I first had an opportunity of carrying out the plan I had long contemplated, that of obtaining possession of houses to be let in weekly tenements to the poor. That the spiritual elevation of a large class depended to a considerable extent on sanitary reform was, I considered, proved, but I was equally certain that sanitary improvement itself depended upon educational work among grown-up people; that they must be urged to rouse themselves from the lethargy and indolent habits into which they have fallen, and freed from all that hinders them from doing so. I further believed that any lady who would help them to obtain things, the need of which they felt themselves, and would sympathize with them in their desire for such, would soon find them eager to learn her view of what was best for them; that whether this was so or not, her duty was to keep alive their own best hopes and intentions, which come at rare intervals, but fade too often for want of encouragement.

I laid the plan before Mr. Ruskin, who entered into it most warmly. He at once came forward with all the money necessary, and took the whole risk of the undertaking upon himself. He showed me, however, that it would be far more useful if it could be made to pay; that a working man ought to be able to pay for his own house; that the outlay upon it ought, therefore, to yield a fair percentage upon the capital invested. Thus empowered and directed, I purchased three houses in my own immediate neighbourhood. They were leasehold, subject to a small ground-rent. The unexpired term of the lease was for fifty-six years; this we purchased for £750. We spent £78 additional in making a large room at the back of my own house, where I could meet the tenants from time to time. The plan has now been in operation about a year and a half; the financial result is that the scheme has paid 5 per cent. interest on all the capital (it should be remembered that 5 per cent. interest in England on house property is equivalent to at least 8 per cent. in the United States), has repaid £48 of the capital; sets of two rooms have been let for little more than the rent of one, the houses have been kept in repair, all expenses have been met for taxes, ground-rent and insurance. In this case there is no expense for collecting rents, as I do it myself, finding it most important work; but in all the estimates I put aside the usual percentage for it, in case hereafter I may require help, and also to prove practically that it can be afforded in other cases. It should be observed that well-built houses were chosen, but they were in a dreadful state of dirt and neglect. The repairs required were mainly of a superficial and slight character; slight in regard to expense—vital as to health and comfort. The place swarmed with vermin; the papers, black with dirt, hung in long strips from the walls; the drains were stopped, the water supply out of order. All these things were put in order, but no new appliances of any kind were added, as we had determined that our tenants should wait for these until they had proved themselves capable of taking care of them. A regular sum is set aside for repairs, and this is equally divided between the three houses; if any of it remains, after breakage and damage have been repaired, at the end of the quarter, each tenant decides in turn in what way the surplus shall be spent, so as to add to the comfort of the house. This plan has worked admirably; the loss from carelessness has decreased to an amazing extent, and the lodgers prize the little comforts which they have waited for, and seem in a measure to have earned by their care, much more than those bought with more lavish expenditure. The bad debts during the whole time the plan has been in operation have only amounted to £2 11s. 3d. Extreme punctuality and diligence in collecting rents, and a strict determination that they shall be paid regularly, have accomplished this; as a proof of which it is curious to observe that £1 3s. 3d. of the bad debts accumulated during two months that I was away in the country. I have tried to remember, when it seemed hardest, that the fulfilment of their duties was the best education for the tenants in every way. It has given them a dignity and glad feeling of honourable behaviour which has much more than compensated for the apparent harshness of the rule.

Nothing has impressed me more than the people’s perception of an underlying current of sympathy through all dealings that have seemed harsh. Somehow, love and care have made themselves felt. It is also wonderful that they should prize as they do the evenness of the law that is over them. They are accustomed to alternate violence of passion and toleration of vice. They expected a greater toleration, ignorant indulgence and frequent almsgiving; but in spite of this have recognized as a blessing a rule which is very strict, but the demands of which they know, and a government which is true in word and deed. The plan of substituting a lady for a resident landlady of the same class as her tenants is not wholly gain. The lady will probably have subtler sympathy and clearer comprehension of their needs, but she cannot give the same minute supervision that a resident landlady can. Unhappily, the advantage of such a change is, however, at present unquestionable. The influence of the majority of the lower class of people who sublet to the poor is almost wholly injurious. That tenants should be given up to the dominion of those whose word is given and broken almost as a matter of course, whose habits and standards are very low, whose passions are violent, who have neither large hope nor clear sight, nor even sympathy, is very sad. It seems to me that a greater power is in the hands of landlords and landladies than of schoolteachers—power either of life or death, physical or spiritual. It is not an unimportant question who shall wield it. There are dreadful instances in which sin is really tolerated and shared; where the lodger who will drink most with his landlord is most favoured, and many a debt overlooked, to compensate for which the price of rooms is raised; and thus the steady and sober pay more rent to make up for losses caused by the unprincipled.

With the great want of rooms there is in this neighbourhood it did not seem right to expel families, however large, inhabiting one room. Whenever from any cause a room was vacant and a large family occupied an adjoining one, I have endeavoured to induce them to rent the two. To incoming tenants I do not let what seems decidedly insufficient accommodation. We have been able to let two rooms for four shillings and sixpence, whereas the tenants were in many cases paying four shillings for one. At first they considered it quite an unnecessary expenditure to pay more rent for a second room, however small the additional sum might be. They have gradually learnt to feel the comfort of having two rooms, and pay willingly for them. (It is not possible to form any comparison between the rent of rooms in London and New York, the circumstances of the two cities being so different; but the point to be observed is that, by a very small increase of rent, the amount of accommodation may be doubled.)

The pecuniary success of the plan has been due to two causes. First, to the absence of middlemen; and, secondly, to great strictness about punctual payment of rent. At this moment not one tenant in any of the houses owes any rent, and during the whole time, as I have said, the bad debts have been exceedingly small. The law respecting such tenancies seems very simple, and when once the method of proceeding is understood, the whole business is easily managed; and I must say most seriously that I believe it to be better to pay legal expenses for getting rid of tenants than to lose by arrears of rent—better for the whole tone of the households, kinder to the tenants. The rule should be clearly understood and the people will respect themselves for having obeyed it. The commencement of proceedings which are known to be genuine and not a mere threat is usually sufficient to obtain payment of arrears; in one case only has an ejectment for rent been necessary. The great want of rooms gives the possessors of such property immense power over their lodgers. Let them see to it that they use it righteously. The fluctuations of work cause to respectable tenants the main difficulties in paying their rent. I have tried to help them in two ways. First, by inducing them to save; this they have done steadily, and each autumn has found them with a small fund accumulated, which has enabled them to meet the difficulties of the time when families are out of town. In the second place, I have done what I could to employ my tenants in slack seasons. I carefully set aside any work they can do for times of scarcity, and I try so to equalize in this small circle the irregularity of work, which must be more or less pernicious, and which the childishness of the poor makes doubly so. They have strangely little power of looking forward; a result is to them as nothing if it will not be perceptible till next quarter! This is very curious to me, especially as seen in connection with that large hope to which I have alluded, and which often makes me think that if I could I would carve over the houses the motto, “Spem, etiam illi habent, quibus nihil aliud restat.”

Another beautiful trait in their character is their trust; it has been quite marvellous to find how great and how ready this is. In no single case have I met with suspicion or with anything but entire confidence.

It is needless to say that there have been many minor difficulties and disappointments. Each separate person who has failed to rise and meet the help that would have been so gladly given has been a distinct loss to me; for somehow the sense of relation to them has been a very real one, and a feeling of interest and responsibility has been very strong, even where there was least that was lovely or lovable in the particular character. When they have not had sufficient energy or self-control to choose the sometimes hard path that has seemed the only right one, it would have been hard to part from them, except for a hope that others would be able to lead them where I have failed.

Two distinct kinds of work depend entirely on one another if they are to bear their full fruit. There is, firstly, the simple fulfilment of a landlady’s bounden duties, and uniform demand of the fulfilment of those of the tenants. We have felt ourselves bound by laws which must be obeyed, however hard obedience might often be. Then, secondly, there is the individual friendship which has grown up from intimate knowledge and from a sense of dependence and protection. Knowledge gives power to see the real position of families; to suggest in time the inevitable result of certain habits; to urge such measures as shall secure the education of the children and their establishment in life; to keep alive the germs of energy; to waken the gentler thought; to refuse resolutely to give any help but such as rouses self-help; to cherish the smallest lingering gleam of self-respect; and, finally, to be near with strong help should the hour of trial fall suddenly and heavily, and to give it with the hand and heart of a real old friend, who has filled many relations besides that of almsgiver, who has long ago given far more than material help, and has thus earned the right to give this lesser to the most independent spirits.