https://www.bloomberg.com/news/audio/2025-03-13/odd-lots-is-there-a-simple-fix-to-affordable-housing-podcast
https://www.washingtonpost.com/news/business/wp/2018/10/04/feature/10-years-later-how-the-housing-market-has-changed-since-the-crash/
https://chatgpt.com/share/67be4bec-6350-8007-953c-06d28edabab8
https://www.gao.gov/products/gao-15-185#:~:text=The QM regulations%2C which address,loans receive certain liability protections
https://www.fanniemae.com/research-and-insights/perspectives/2018-vs-2008-better-equipped-next-mortgage-market-downturn#:~:text=The mortgage system today is,obtain financing and become homeowners