The affordable housing issue in Miami-Dade and South Florida has been well documented in several recent studies authored by the Jorge M. Pérez Florida International University (FIU) Metropolitan Center. The pre-COVID Affordable Housing Needs Assessments for the Tri-counties documented excessive housing distress, especially for low- and very low-income renters. Lower-income renters comprise the vast majority of service workers in the industry sectors most impacted by the pandemic, including Accommodation and Food Services, Retail and Healthcare and Social Assistance. There is now a growing realization it will remain a COVID economy well into the future, and a high percentage of the jobs that have been lost may have disappeared for good. A recent University of Chicago study estimated 42 percent of COVID19 induced layoffs will result in permanent job loss. In another study, the St. Louis Federal Reserve Bank identified “high risk” occupations for job loss, including Accommodation and Food Services and Retail. According to the study, high-risk occupations comprise 48 percent of occupations or 1.3 million jobs in the Miami MSA economy. It is difficult to envision South Florida recovering a significant percentage of these jobs over the next several years.