All three legs of the stool need to be in place to avoid economic dislocation: ample availability of shelter, broad access to the potential value of ownership, and a stable economy in which to pursue those ends. (Location 2966)
Extreme shifts in lending standards have created housing haves and have-nots, so that rental costs are rising for households in entry-level markets who are prevented from becoming owners. (Location 2971)
The lending activity from 1994 to 2004 has generally been associated with instability because rising Closed Access rents were causing American home prices to increase at the same time. (Location 2992)