Those ledgers (ie: books) should be audited by an independant accounting entity annually or more oftenas needed.If you need outside intervention in your specific case start with local authorities and work your way up. 

Share the story with case worker and ask for their intervention.

I also look at gov't intervention stepping in eventually.

From the number of 1 post “shills” they have on BP that are so obvious they have required moderator intervention, I think of that material as more likely pushed out the “back end.”

it still needs manual intervention which house is really havig 70% ARV.

When you talk about building skills and providing jobs where people live, that's really where government intervention comes into play (federal, state, and local).

I’ve been in the Bay Area my whole life and while you would think with the housing prices here some of these areas would have to eventually gentrify, there are certain factors keeping them from doing it that aren’t going to change without significant government intervention.

Temperature, disaster rates, and government intervention have a big effect.

Much less intervention, and more time to do the income producing work.

I think the focus was on affordability of purchasing the property itself which appears to be pretty well unattainable in most major metros around the globe.The biggest takeaway for me is that the study pretty conclusively shows that less government intervention in the housing market leads to more affordable housing options.