America really needs to get back to building small scale housing such as onsie-twosie projects of singe level 4-plexes and 8-12 tenancy two story apartment buildings. The kind of stuff that can be both financed and built locally.

The finance industry has us twisted up because they only want to fund overly-large and expensive single projects; typically entire neighborhoods of outsized single family homes or enormous multi-building apartment complexes. That means those are the only projects getting financed which means that those are the projects getting built.