The world has changed.  Many consumers that used to want to live the “American Dream” of homeownership have given up on that dream – at least for now – and have turned to renting, instead of buying.   They may have lost their home, or simply don’t believe that buying a home is a good investment anymore.  Still others simply cannot afford to buy a home because they have lost their job or they have been forced to take a lower paying job just to keep food on the table. Are we just going to abandon these folks because they aren’t [...]