Here's the thing about banning institutional purchases of single-family homes—it sounds good on paper, but the real issue? We're just not building enough properties. Slapping restrictions on buyers won't move the needle nearly as much as actually increasing supply.

But here's where it gets tricky. The federal government simply doesn't have the authority to override local zoning regulations. That power sits with municipalities and states. So unless we tackle the zoning bottleneck at the local level, policy tweaks at the federal level will keep hitting a ceiling. Supply remains the real lever.