Constructing more rental units is simply that but the proposal is promoted as providing the opportunity to own your own home.

Mike, are you taking into account the $25,000 for a mortgage down? Seems to me that a plan that gives you a $25,000 edge to take to the mortgage folks, and also - even if that won't work - there's more rehabbed housing. So the bulk of it is to help people get housing, those who can afford it get a $25k edge, those who can't afford it get a chance at rehabbed housing.

There are plenty of rental houses out there. You can make money if you bid on someone's unpaid debt like the fellow next door to me. We have Zillow and Redfin buying up houses and flipping them, so we get corps inserting themselves to make a good profit from flipping houses. I think this narrows the choices and young folks can rehab houses while they live in them.

Just the other day I talked a landscape corporation down to a reasonable price - I had them reissue a professional looking bill within the terms that the tech discussed with me at the time. They provided a good, but expensive, service, then overcharge and leave out material installed items that have warranties. So the initial bill is like a first offer.