No. There is a lack of affordable housing because the economy doesn’t have a way to cope with widening gaps of productivity (not to mention systemic and historical racism).
However, the vast majority (writing from a phone on train so I’ll have to challenge you to prove me wrong rather than cite, but the statistics are clear on this) of homeless people are deep in the throes of addiction or, mentally unstable.
The working family that can’t make ends meet absolutely exists, I am not in anyway challenging that.
But, go to one of these tent cities yourself , where these exploding homeless populations exist, and it will be apparent that people are so addicted that there is not rent that would be “affordable” as their basic human needs aren’t even being met for them to be functioning in a positive economic way.
Essentially these people are sick, in a genuinely diagnosable way, and that sickness manifests in self harm. IMO, it’s pretty clear that this mass sickness (primarily the opiate crisis) is the leading cause of these exploding homeless populations.