Gene, increasing the housing stock will lower housing costs, but shoveling money into the industry won't do this, and paying first-time buyers will increase prices.

We can better our lot by weaning ourselves from detached one-family housing.

The way we build housing is expensive and archaic. Family living space should have gone the way of autos years ago. We need an Elon Musk to make factory-made homes sexy. Check out Buckminster Fuller, who had the idea back in the 1930s.

We could have a designer living space made in Vietnam, delivered by Amazon, and little need for estate agents.

Best to you.