Holly Richard purchased her Winona home when she worked at St. Mary’s University. She then moved to pursue a Ph.D. in English in South Dakota and is preparing to have her first child. Holly cannot sell her home because it is on a block where 30 percent of the homes are already licensed to rent thereby reducing its attractiveness to potential buyers. Without rental income, Holly cannot afford to pay both her mortgage in Winona as well as the mortgage on her current home in Vermillion. She also may face foreclosure if she cannot rent.