The White House has released new information regarding its ongoing efforts to stop large corporate entities from buying up residential properties. A recent memorandum delivered to congressional committee leadership outlines a comprehensive plan to restrict large-scale real estate investors from purchasing additional residential properties. Facing pressure to tackle housing cost concerns before the upcoming congressional elections, the administration aims to ensure that single-family homes are available for individual buyers rather than being absorbed into massive corporate portfolios.
The 100-property limit for single-family homes
A core component of the new White House proposal is a strict cap on the number of homes a single investor can accumulate. The restriction would prevent investors who already own more than 100 single-family properties from acquiring more homes. This cap is designed to target the largest institutional buyers with vast resources who have historically outbid hardworking families, turning neighborhoods into investor rental portfolios instead of communities.
Exceptions for build-to-rent and major renovations
While the proposed restrictions are stringent, the administration has included specific exemptions to avoid stifling new housing development. The plan includes several exceptions to the purchasing restriction, particularly for investors who construct new homes or undertake major renovations on properties intended exclusively for rental markets. According to the administration’s guidelines, there are “narrowly tailored exceptions for build-to-rent properties that are planned, permitted, financed, and constructed as rental communities.”
Integrating the proposal into Senate housing legislation
To make these restrictions a reality, the administration is actively working with lawmakers on Capitol Hill. Administration officials are working to incorporate this investor restriction into ongoing Senate housing legislation negotiations. By tying the ban to broader housing packages, the White House hopes to codify the policy so that large institutional investors do not acquire single-family homes that could otherwise be purchased by families.
January executive order on institutional investors
This legislative push builds directly upon an executive action taken earlier in the year. In January, the President signed an executive order titled “Stopping Wall Street from Competing with Main Street Homebuyers,” which established the administration’s policy “that large institutional investors should not buy single-family homes that could otherwise be purchased by families.” The order directed key agencies to issue guidance preventing relevant Federal programs from approving, insuring, guaranteeing, securitizing, or facilitating sales of single-family homes to institutional investors.
Directing Fannie Mae and Freddie Mac to lower borrowing costs
Beyond restricting corporate buyers, the White House has introduced other initiatives to make homeownership more accessible and increase affordability. The administration recently directed Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities to further drive down borrowing costs. This move is intended to lower mortgage rates and has contributed to driving monthly housing payments to their most affordable levels in over two years.
Establishing an innovation fund for housing development
To tackle the chronic shortage of housing supply, the administration is proposing significant federal investments. A major initiative includes the establishment of a $20 billion innovation fund that would help invest in new multifamily housing development. This fund is designed to award competitive grants annually to local governments that can document measurable increases in housing supply for housing construction, rehabilitation, and necessary infrastructure improvements.
Promoting the use of federal lands and assets
Another key strategy to increase the housing stock involves utilizing existing government resources. The White House has instructed agencies to avoid disposing of federal assets in a manner that transfers single-family homes to large institutional investors. Instead, the administration is promoting sales to individual owner-occupants through “first-look policies (which give individuals and other non-institutional investors the opportunity to buy foreclosed properties before investors do).” Furthermore, the administration is exploring ways to repurpose eligible federal lands for affordable housing development.
Pushing for local zoning reforms to boost supply
Recognizing that local regulations often hinder new construction, the White House is incentivizing municipalities to cut red tape. The administration is encouraging state and local governments to eliminate exclusionary zoning and harmful land-use policies. By offering grant programs and bonus funds for communities that meet certain housing production goals, the federal government aims to streamline affordable housing development and reduce requirements related to parking and other restrictive land use regulations.
A comprehensive approach to the housing affordability crisis
Ultimately, the White House is deploying a multi-faceted strategy to address what has become a top economic concern for American families. By banning large investors, expanding financing for new construction, and pushing for regulatory reform, the administration hopes to restore the American dream of homeownership. As administration officials have emphasized, these combined actions prioritize families over corporate interests in the housing market while simultaneously boosting the nation’s housing supply.
Like Financial Freedom Countdown content? Be sure to follow us!
The Retirement Divide: Why the Average 401(k) is $148,000 but the Median is Still Under $1,000
The headlines are startling: the typical American worker has just $955 saved for retirement. This figure, from the National Institute on Retirement Security (NIRS) 2026 report, paints a picture of a nation on the brink of a financial crisis. But while millions are falling through the cracks, others are leveraging new laws and record-high account balances to build a secure future.
The Retirement Divide: Why the Average 401(k) is $148,000 but the Median is Still Under $1,000
Did you find this article helpful? We’d love to hear your thoughts! Leave a comment with the box on the left-hand side of the screen and share your thoughts.
Also, do you want to stay up-to-date on our latest content?
1. Follow us by clicking the [+ Follow] button above,
2. Give the article a Thumbs Up on the top-left side of the screen.
3. And lastly, if you think this information would benefit your friends and family, don’t hesitate to share it with them!
John Dealbreuin came from a third world country to the US with only $1,000 not knowing anyone; guided by an immigrant dream. In 12 years, he achieved his retirement number.
He started Financial Freedom Countdown to help everyone think differently about their financial challenges and live their best lives. John resides in the San Francisco Bay Area enjoying nature trails and weight training.
Here are his recommended tools
Personal Capital: This is a free tool John uses to track his net worth on a regular basis and as a retirement planner. It also alerts him wrt hidden fees and has a budget tracker included.
Platforms like Yieldstreet provide investment options in art, legal, real estate, structured notes, venture capital, etc. They also have fixed-income portfolios spread across multiple asset classes with a single investment with low minimums of $10,000.
