Some good ideas re: rentals studies & possible policy adjustments. I’d start with studying the people and the economics involved. Consider your “flight of the owner-occupiers.” Homeowners aren’t necessarily “fleeing;” many single family dwellings are sold when the owners retire, or die; or when they are transferred to other cities by their employers. Especially in the case of older homes that have been occupied by the same owners for many years, I would expect to find that overall maintenance and upgrades were neglected as the owners grew older. Potential buyers must factor in those additional costs, however they must pay for them through higher-interest home-improvement loans. Or the new buyers may be out-of-town parents of a college student who realize that they can buy a house, ignore home improvements, and make their child a co-owner with a 1% or 2% equity stake in the property. Son or daughter rent bedrooms to friends at $250 or $300 per month per person. Absentee owner-parents have a property that basically pays for itself at $750 to $1,000 or more in monthly rents. Maintenance, repairs and improvements are nil. How many working-class families can compete with those kinds of economics? We need policies that can make these homes more economically attractive to young families (e.g. including costs of needed improvements into the base cost of the mortgage, instead of in a separate, higher cost improvement loan. We also need to define a standard for “owner-occupied,” e.g., to be an “home owner,” the buyer must himself occupy the home for a defined time each year and have at least 51% of the equity.