The American housing market stands at a complex crossroads, caught between the urgent need for affordability and the vast, intricate machinery of modern finance. A unique convergence of policy is taking shape: one part seeks to revitalize a once-notorious financial instrument—the Mortgage-Backed Security (MBS)—as the new lodestar for mortgage rates, while another aims to restrict a growing new class of homeowner: the institutional corporation. This dual approach reveals a fun