CA-Renter — Landlords should have good access to credit, assuming the deals make sense. Perhaps via small business loans (after all, the gov’t subsidizes other types of business).
Honestly — most Americans have no business making a $100k+ investment, especially with gov’t money. I’d rather more property be in the hands of professionals and generally smart people.
Note that heavily non-owner-occupied markets like Manhattan and San Francisco actually held their value decently during the crash. I’d trust a person out for income (not a flipper) to make a rational property purchase a lot more than a first-time buyer who gushes about the kitchen tile.
