The obvious other adjustment would be to decrease the rent, but that would affect loan valuations, and we can't have another round of bank failures. (The other

The obvious other adjustment would be to decrease the rent, but that would affect loan valuations, and we can't have another round of bank failures. (The other problem is the building materials shortage because you can't inflate yourself out of the shortage of available housing, you need to actually build new construction, but we are getting sidetracked.)