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I'm not disagreeing with you but I'm curious on how the housing would be freely accessible if the landlord hadn't bought it... are you saying the renter would have otherwise purchased their home?
Market rates would be a lot lower if people weren't allowed to speculate on housing.
They would but do you believe they'll be low enough that a bank would be prepared to take the on the risk of loaning the money to basically everyone?
I mean what was the 90's?
In the UK? I don't recall everyone suddenly having affordable mortgages
Yes that's exactly what was happening
I'm not convinced, at least in the UK it's been a very very long time since mortgages were accessible to the average salary.
I'm not saying there isn't a problem but I'm not sure this would solve the problem right now. In the UK something like 70% of housing is mortgaged or owned (by the occupier)... most renters say the biggest barrier to getting a home is not the mortgage affordability it's saving for the deposit. Indeed when I bought my first home 20+ years ago I needed my parents help on that front. Where do people live between leaving education and saving up for that deposit, whatever size it is?