The top 3 reasons housing has become so unaffordable in the US market – and it's not what you think

Brick by brick, regulation by regulation, America built its own housing crisis.Experts say the problem is cemented into the foundation of the U.S. housing system, a design flaw decades in the making.They point to three major forces doing the most damage: restrictive zoning, land-use barriers, and financial policies that have choked supply and pushed prices out of reach.TRUMP'S 50-YEAR MORTGAGE MAY BURDEN AMERICANS WITH MORE DEBT, EXPERTS SAY"There are just many, many ways to halt and stop development," said Joseph Gyourko, professor of real estate and finance at the Wharton School at the Unive