I only agree with No. 3. 🤷‍♀️

Hear me out: make condo sales Capital Gains instead of Ordinary Income.

Deregulate housing supply national where every development is approved by right at any density on land zoned residential and only government oversight can be safety related.

1) Condo towers are stupid and the defect laws are good. All towers should be owned by a single entity (apartments). Small 3 story condo-ized townhomes are often acceptable... but no towers. 2) Are there genuinely, actually, reputable developers out there that can't get a Business Line of Credit large enough to fund initial construction? If a banker won't trust them, why the hell should I? The bankers know that developer better than I ever will!!! 3) I don't know enough about the "sub-740" rules mentioned... but I know that credit scores do their job extremely well and Market Distortion of mortgages isn't likely to end any better in 2028 than it did in 2008.

Tinkering at the edges. Federally preempt all zoning laws in counties above a certain population or population growth rate. Create a housing commission, give them tens of billions, and have them BUILD 10k units in the 50 largest metro areas. Federal property tax on PE owned homes

For urban areas they should develop a mortgage product that lets you build a 4-8plex but only has to pay 1/4-1/8 nominal mortgage that rises each year allowing you time to find tenets. Also new national modular build code that compliments this type of housing.

2 sounds risky. A fair number of sales fall apart in-between the P&S being accepted and closing in such a way that the seller has to return the money.

Quiet. The 50 year mortgage will boost my home value even more without solving any problems whatsoever.

Number 2 is literally one of the main causes of the apocalyptic Chinese housing crash that left millions of people without the homes they paid for.

A normal country wouldn’t let companies own thousands of homes, and also have some degree of restrictions on ownership by non-citizens who don’t live in them (ie, for mere investment).

Developers can't use buyer deposits for construction costs b/c they will walk off with the money w/o completing construction. Developers can already use deposits/signed contracts as collateral for construction loans & they can already spend deposits over 15% of the purchase price

Nah just get rid of most zoning lol. Look at a map of all the 1930s NYC buildings that you can't build in today environment due to zoning. ESB, flat iron, chrysler all couldn't be built today