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. . . the challenge getting policymakers is to find an effective way to assist get together again the current dimensions and you may mix of the fresh casing stock as well as the most recent ecosystem for homes fund. Ultimately, such as tips encompass adapting the existing homes inventory to your prevailing rigorous home loan lending standards-such as for instance, devising principles which will help helps the newest transformation off foreclosed functions to help you rental properties-or supporting a houses money regimen that’s less limiting than simply the present, when you are steering clear of the lax standards that emerged in the history 10 years. 55