In a lot of places this article says something like "cause X only occurs 33% of the time, cause Y only occurs 20% of the time ... so they are not the primary cause of homelessness"

It would be interesting to me to see how many homeless people have none of the problems discussed; I'm guessing it's very few. IOW, each cause individually may not be the primary cause of homelessness, but if a person has a few of these problems, they might end up homeless.