I didn't read it that way. I read it as simply a recount of why inventory is low: 1. Credit worthiness is preventing many families from owning a home 2. Home

I didn't read it that way. I read it as simply a recount of why inventory is low: 1. Credit worthiness is preventing many families from owning a home 2. Home sellers are opting to rent out rather than sell 3. Cities are adding workforce population but the amount of single family units is not keeping pace.