it could happen if the regulatory environment were "right-sized" with a heavy emphasis on ensuring clear and concise information to potential buyers/renters to

it could happen if the regulatory environment were "right-sized" with a heavy emphasis on ensuring clear and concise information to potential buyers/renters to counteract the natural information asymmetry that arises in markets between producers and consumers. this is often a key missing piece to laissez-faire flavors of economics that leave markets more distorted and less competitive than ordinarily regulated markets. that's not the only condition, but it is a necessary one, to create affordable housing without shoveling piles of tax money at developers. the market must also be made fair and competitive in other ways, and there must be enough volume for prices to equilibriate to new information quickly (which also requires new information to spread widely to consumers, as in the first condition above).