I'd like this thread to be open to all who have ideas on solving the housing crisis. What will or might work, what will not? The Problems: Too many homes underwater; Too few banks willing to work with homeowners in distress; Too many homes in foreclosure; Too many homes abandoned; Too many neighborhoods in free fall. More? What can/should/might be done? Is a strategic foreclosure unethical, or simply a business decision? Should banks reduce interest rates to current levels to allow homeowners to remain in their home? Is it healthy for the investor class to buy distressed homes, rent them cheaply, forgo repairs/maintainance, and receive a business tax deduction?