[gogobio]

So go buy land and build a house, just CHOOSE to spend your money and buy land. What's so hard about that? Ah yes we conveniently forget in our youthfulness that we are not original and if thousands of software leeches choose to relocate en masse they will sky rocket the costs on just about everything - simple supply and demand.

[Schiendelman]

The point here is that the existing owner of a house is often happy to build an apartment building, and almost always not allowed to.