This sounds extremely effective at shifting housing stock. My only question is what happens to people who can’t get mortgages yet? You can’t just give out a mortgage to anyone who asks. The banks did effectively that in the lead up to 2008 and we saw how that worked out (granted the specifics are far more muddy, but it is a period in recent history where many people qualified for mortgages they shouldn’t have qualified for, and a ton of people ended up foreclosing