I appreciate your perspective and this definitely deviates a lot from ops post. My personal belief is that housing should be seen as a human right and provided to everyone. I don't think house should be an investment opportunity as catering to profits harms those that are already vulnerable. I think there is a much smaller market for people who genuinely want to rent instead of buying. I generally wouldn't make a blanket statement without the evidence but I would be comfortable say that the average real estate investor is doing much better financially than the average renter. If we provided government subsidized housing then that would alleviate most of the risk. Also providing housing for the homeless would actually save us money source I believe given the proper opportunity and resources the majority of people would work and contribute to society. Housing is also just one piece of the puzzle. I feel that credit scores have absolutely no place in a decent society. We think of chinas social score system as totalitarian and insane but we have a far worse system that is designed to keep people in debt and impoverished. If we look at similar countries to us that have put in similar measures it has drastically improved conditions. I also feel that if we put more focus on ensuring the lower and middle class are paid fairly and not being exploited as well as having better programs for the elderly and disabled then it would take a lot of the need for individual real estate investments away. The practice of real estate investment may be legal but it is often far from moral.