Think schedules, skills and resources against relocation patterns and not just proportions abstracted from schedules. Think of the housing industry as a CPU. Think of babies as data coming across buses and switches. Never forget mortgage deductions were never states of "American dream" grace but subsidized and still subsidize wealthier purchasers. Tons of Americans purchased and are still purchasing depreciating "Levittown" type assets all over the USA. We are not just cutting ribbons for bad purchases. All the policy details matter where and when they matter. Rentals are just as important as purchases. Many Americans move quite frequently and do not enjoy corporation relocation bonuses.