So, I have to agree there is a major shortage of affordable housing.<p>But, I have to disagree that this is due to a lack of building.<p>20 years ago, there was no housing crisis. Period.<p>In 20 years, did the population suddenly increase by 20%?<p>No, of course it didn't. In fact the US population is very flat in recent decades.<p>What changed?<p>Short term rental!!! A huge portion of the housing stock purchased, much by corporate buyers, and converted to AirBnB or VRBO.<p>The housing crisis is 100% created by the rise of "short term rentals", a phrase that really means: "convert a significant portion of the housing stock into unlicensed hotels".<p>People paying per night to rent houses are never going to be out-bid by people who want to rent by the month.<p>This whole BS about "not building enough", is really "not building enough to make up for all the houses now run as hotels".<p>There has NOT been a population boom. Ask yourself: Why were there enough houses a decade or 2 ago, but not now?