I understand what you’re saying. I actually had my house for sale before I rented it. No body wants to buy, even the renter I offer to sell at a much cheaper mortgage rate than the rent, they weren’t interested.

That’s true of where I’m renting now. I can buy for a cheaper note but I don’t want to. I think only allowing home ownership is exclusionary. Good luck getting in west Howard county schools with bad credit or without a mortgage.