Restricting major institutions from hoarding single-family residential properties sounds promising on the surface. Yet there's a more compelling alternative worth considering: what if the government rolled out a permanent mortgage initiative offering 2% financing rates on primary residence purchases?

Think about it—institutional capital would naturally shift elsewhere if homeownership became genuinely accessible. A federally-backed low-rate mortgage program doesn't just block the players; it fundamentally reshapes the game. By making down payments and monthly obligations manageable for everyday buyers, you're tackling the root issue rather than playing defense.

Policymakers often debate supply-side restrictions. But supply-neutral solutions like aggressive rate buydowns create immediate purchasing power and foster genuine wealth-building across income brackets. That's the real game-changer.