For decades, homeownership has stood as a cornerstone of American economic aspiration - a symbol of wealth accumulation, stability, and belonging. Yet for Generation Z, born roughly between 1997 and 2012, the journey to owning their first home is unfolding on a markedly different terrain. They are entering adulthood amid elevated home-prices, historically high mortgage rates, high student-debt burdens, and a tight starter-home inventory.

Why Affordability Still Depends on Access, Not Interest Rates Each time the Federal Reserve cuts rates, optimism ripples through the housing market. Analysts refresh their forecasts, buyers recalculate budgets, and the prospect of homeownership feels a little closer. Yet, for many working families, that optimism rarely translates into opportunity. Lower interest rates primarily benefit households that already meet the system’s qualification thresholds: strong credit, consiste

The single-family rental (SFR) industry in the United States has evolved from a niche investment category into one of the central pillars...