Today sitting with monshu I was thinking about all the knockoff effects of this. The aforementioned couple have been trying for a couple years now to adopt a child but they've been hampered by the difficulty of meeting the requirements with the place they have. (Apparently, with some extensive modifications, it would just barely qualify and they don't want to take that chance.) How many other couples have put off similar decisions? I think of all the people who have turned down jobs or scholarships or other sorts of opportunities because they can't afford to sell and aren't able or willing to become landlords. No wonder it's such a protracted economic recovery.