January 21, 2026
The National News Desk recently published an article featuring Keith Munsell, Master Lecturer of Strategy and Innovation, discussing how President Trump has proposed a series of measures to make homeownership more accessible, including banning institutional investors from owning single-family homes, introducing a 50-year mortgage, and allowing use of 401(k) funds for down payments.
But analysts warn the core problem, an ongoing shortage of homes, remains unsolved. Home construction has lagged since the 2008 financial crisis, leaving the U.S. millions of units short. Experts say adding more buying power without increasing supply could actually push prices higher, while boosting construction risks depressing home values that fuel household wealth.
“Putting more products on the market will not necessarily reduce the value of one’s home. It may, in fact, bring the supply and demand into better equilibrium. If you’re building 100million units, sure. But we have underbuilt in this country by about 1,300,000 units a year since 2008, so that’s an enormous number,” Munsell adds.
Trump’s executive order on institutional investors is one step, but addressing supply constraints will require tackling local zoning, regulatory hurdles, and broader market challenges.
