You’ve probably heard of the affordability crisis. Everything is too expensive. Wages aren’t going up. The kids are accepting a fate where they’ll never own a home. And the kids are not OK. At least not with that. Basically, it’s hard to get by.

Then things get really weird. We’re being told mixed messages on why this is happening. The old narrative was that the problem was single-family homes. Then we heard major investment firms were buying all the single-family homes. We’re told there just aren’t enough homes to go around. But then we also find red tape is stopping more from being built.

So what's the real reason why you can't afford to buy a home?