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"Your average Black, South Asian or Latino homeowner and/or contractor that wants to convert their home into a multifamily is going to do it without a permit and regardless of what a zoning ordinance says — provided nobody snitches." - this is something that seems understudied, and it makes me concerned that *any* increased regulatory activity in a particular neighborhood - including deregulatory activity, including upzoning - will carry with it new code compliance expectations that are bad for existing low-income residents.

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Interestingly enough the Latino population in San Francisco has been modestly increasing, both in total numbers and as a percentage of the overall population.

2000 - 109,504 (14.1%)

2010 - 121,774 (15.1%)

2020 - 136,199 (15.2%)

So while there has been a decline in The Mission and Excelsior there has been a gain in other areas, perhaps mirroring the Asian experience of "moving on up" to more suburban neighborhoods.

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