The “for sale/owner occupant” housing market has been in a state of depression since 2007.  The United States is now faced with millions of unoccupied, or soon to be unoccupied, homes resulting from foreclosures, abandonment or failure to sell after construction or rehab.  Even in the good times, affordable housing was a serious national issue.  A potential opportunity that presents itself in the context of the current housing situation is to put people who need housing into vacant homes.  If done successfully, homes that would otherwise deteriorate would be occupied by