> requiring little to no government/regulatory involvement

I think you lose this battle as soon as you start providing residences to people. I’m not a lawyer, but I’m pretty sure that once people are living and sleeping somewhere you’re subject to zoning laws and fire codes and stuff.

With that said, the current housing situation in the US is a mess, so I’m all for reform. I’d like to hear ideas too. I personally can’t think of a solution that sidesteps regulation without becoming a slum full of desperate people, though.