Trump Proposes Ban on Large Investors in Housing Market

Jan 10, 2026, 2:25 AM

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President Donald Trump has declared his intention to ban large institutional investors from buying additional single-family homes, a move aimed at addressing the growing concerns over housing affordability in the United States. In a post on Truth Social, Trump stated, "I am immediately taking steps to ban large institutional investors from buying more single-family homes, and I will be calling on Congress to codify it. People live in homes, not corporations".

The proposal comes as many Americans, particularly younger individuals, find homeownership increasingly out of reach. Trump attributed this crisis to high inflation, which he claims was exacerbated by the policies of his predecessor, former President Joe Biden. He emphasized that the American Dream of homeownership is slipping away for many families, stating, "Buying and owning a home was considered the pinnacle of the American Dream".

Following Trump's announcement, several Republican lawmakers expressed their support for the initiative. Ohio Republican Senator Bernie Moreno announced his intention to introduce legislation to codify the ban, calling it a "terrific idea and long overdue". Similarly, Illinois Republican Representative Mary Miller stated, "Housing should be for American families, not corporate landlords". This bipartisan interest reflects a growing concern among politicians about the impact of large investors on the housing market.

Despite the political momentum, experts have raised questions about the effectiveness of such a ban. Studies indicate that institutional investors account for a relatively small share of the housing market, owning only about 3% of single-family rental homes nationwide as of mid-2022. Critics argue that while the ban may seem appealing, it could lead to unintended consequences, such as reducing the availability of rental properties and ultimately failing to address the root causes of housing affordability issues. Jaret Seiberg, an analyst at TD Cowen, noted, "This will not fix housing affordability. It may boost single-family purchases, but it will come at the cost of reducing single-family rentals".

In addition to the proposed ban, Trump has also announced plans for the government to purchase $200 billion in mortgage bonds, which he claims will help drive down mortgage rates and make homeownership more affordable. He stated, "This will drive Mortgage Rates DOWN, monthly payments DOWN, and make the cost of owning a home more affordable". However, the details of how this plan will be implemented remain unclear.

The issue of large investors in the housing market is not unique to Trump; California Governor Gavin Newsom has also proposed regulating corporate landlords in a bid to improve housing affordability. This alignment between two political figures from different parties highlights a growing consensus on the need to address the influence of large investors in the housing market. Newsom's proposals may include enhanced state oversight and potential changes to the tax code to curb the practice of large-scale home purchases by investors.

As the housing market continues to grapple with challenges such as high prices and low inventory, the effectiveness of these proposed measures will depend on their implementation and the broader economic context. Many analysts agree that lasting improvements in housing affordability will require a multifaceted approach, including increased housing supply and targeted policies that balance the needs of homeowners, renters, and investors alike.

In conclusion, Trump's proposal to ban large institutional investors from purchasing single-family homes has sparked significant political interest and debate. While the initiative aims to restore the American Dream of homeownership for families, its potential impact on the housing market remains to be seen as lawmakers and experts weigh the implications of such a ban. The ongoing discussions around housing affordability will likely continue to evolve as both political leaders and economists seek effective solutions to this pressing issue.

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