There is a solution. 50% of each rental payment is a return to investors and 50% purchases equity in the house on which the renter no longer pays rent. This can happen by renters banding together into buyer groups that purchase houses with collective loans secured against the houses. Local governments can kick-start with some social housing or spare land. Existing landlords can receive a higher return than they do today because the finance costs are lower because capital moves quickly and is reinvested in the collective.