Which also means they would not become landlord en masse like folks that was born in 1950-70.Since our financial regulation indirectly has financial bias to support working marrying couple (ratio of income to rent is now 1:4.5 in many cities) before they even able to apply mortgage then the number of mortgage application would be less. 

Programs will have where the head person occasionally does a zoom call or meets in person with a mass group of people.