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Single-Family Rentals: The Unintended Consequences of Subsidizing Small Investor Loans
Single-family (1？4 unit) rental housing plays a central role in the U.S. housing system, providing housing for families who cannot―or choose not to―buy.
There are roughly 14 million such rentals nationwide, about two-thirds of which are starter-home-type properties―typically three to four bedrooms―with average values around $300,000 and rents near $1,800.
About 78 percent (79 million) of single-family homes have three or more bedrooms, compared with only 8 percent (1.5 million) of units in apartment buildings with 10 or more units.
Roughly 60 percent (about 9.9 million) of low-income wage earners who rent, live in single-family homes. Because single-family homes offer more space at a lower cost per bedroom than many apartments, they are an important option for working families, and many times the only option for households with children.
Many of these households are not on the margin of buying; underwriting constraints related to credit, income volatility, and documentation would prevent a large share from qualifying for a mortgage. For them, losing access to single-family rental housing would be costly and disruptive.
The solution is more family-sized supply, not a game of musical chairs shuffling demand.
There are roughly 14 million such rentals nationwide, about two-thirds of which are starter-home-type properties―typically three to four bedrooms―with average values around $300,000 and rents near $1,800.
About 78 percent (79 million) of single-family homes have three or more bedrooms, compared with only 8 percent (1.5 million) of units in apartment buildings with 10 or more units.
Roughly 60 percent (about 9.9 million) of low-income wage earners who rent, live in single-family homes. Because single-family homes offer more space at a lower cost per bedroom than many apartments, they are an important option for working families, and many times the only option for households with children.
Many of these households are not on the margin of buying; underwriting constraints related to credit, income volatility, and documentation would prevent a large share from qualifying for a mortgage. For them, losing access to single-family rental housing would be costly and disruptive.
The solution is more family-sized supply, not a game of musical chairs shuffling demand.
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