[chii]

> that doesn't exactly translate into higher efficiency when it comes to providing housing.

why doesn't it?

If a corporation can, with the same amount of capital as an individual, produce more units of housing, then isn't that a desirable result?

Also, regarding owning a house being cheaper - it really depends on the savings from taxes. If you own, you lose the opportunity cost of the locked-up capital in the asset, which might be high.

But of course, there are non-financial concerns with buying vs renting. The higher income earner is more likely to want to buy, as their taxes would be more efficient that way. And the guarantee that you cannot get kicked out, unlike renters, is a good plus.