As America battles COVID-19, low-income individuals, families, seniors and those with special needs – people considered our most vulnerable citizens – are bearing the brunt of the ensuing economic fallout. The trickle-down effect of unemployment, standing at more than 14.7 % or 36.5 million workers applying for unemployment benefits over the last two months, directly impacts tenants who can’t pay full rent and landlords, many of which have mortgages on their rental properties. This negative trend is hitting home right now in Santa Barbara and elsewhere.