This isn't a simple supply and demand situation, zoning issue, or tax issue. If we built 1 million homes in California, only a small percentage of those homes w

This isn't a simple supply and demand situation, zoning issue, or tax issue. If we built 1 million homes in California, only a small percentage of those homes would be deemed "affordable housing" and what would have to control that affordability? We don't want to have to subsidize, we need broader laws governing home values tied into median income for any given area. All banks scrutinze lending based off 35% Debt to Income ratio's, why not scrutinize appraised values of homes and include consideration for median income in all evaluations?