If you look at the stats, only 1-2% max housing turnover per year, 60-70% of people own their houses/land outright...

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Yes but isn't that exactly the thing? Boomers bought houses early when prices were not that crazy yet and they (most of the 60-70%) were able to pay off the initially lower loans

And since loans have increased and driven up prices continually they dont want to sell them & young people can't afford to buy them anyways thus only 1-2% turnover?

Yes, the Boomers own multuple AirBnBs bought with money printed from nothing and drive price up for younger people forcing them to rent. (from them).

being a landlord isnt a real business - its being a middleman. Its a grift imo.

Exactly!

And so I think allowing bankers to lend money for something so important to all of us, that also has such inelastic supply was a GIANT mistake and should be peohibited because it will always end up the way it ended up today

I think hard money fixes this

Maybe, but loaning could also be done with hard money