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'@@ -1,0 +1,1 @@ +Household formation was being limited by the variety of homes, and the margin that had to provide was renter family formation. After 2022, homeowner growth slowed. Was it worse affordability situations? Probably in part. Maybe the put up-2008 recovery in homeownership amongst some households quickly harmed after 2008 had performed out by 2022, lowering the rate of recent homeowners to a more sustainable pattern. That was associated with an analogous improve in renter households. My point here is that there are tens of millions of households ready to kind. Homeowners are the drivers of the housing market. If there are 1.6 million new houses this year and 1.6 million new homebuyers, there will not be any new renters, on net. If there are 1.8 million new properties and 1 million new homebuyers, there will be 800,000 new renters. Homebuyer exercise is the trigger (inversely) of investor exercise. 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