Jared A. Brock, you ask questions that need answering.

"My tenant pays my mortgage."

This thinking and practice deliver more residential (and business) space to the market, lowering rent prices.

Not having credit for buying and building rental properties would tighten the number on the market and increase rental prices.

From a bank or rich uncle, it doesn't matter where the finance comes from.

Housing can become affordable for many through policies that feed money directly into people's pockets to spend on housing, education, health, etc.

Many thanks