Over the past decade, renter households have grown by 8 million, while homeowner households have fallen by 2 million. As a result, the country's homeowneship rate has fallen to a 20-year low and now stands at 63.9%. Two ideas that would mitigate these negative trends:

* Return to a happy medium for lending.

* Lessen onerous new financial regulations on small banks. Allow Community Banks to make loans without having to follow the costly and more burdensome regulations that were imposed after the economic downturn.