MHAA – How We can Make Homes Affordable Again and Rebuild the American Dream

Homeownership is the foundation of the American Dream, but for millions, it’s slipping away. Prices are sky-high, interest rates sting, and corporate investors are grabbing homes before families can. Politicians talk big about “affordable housing,” but they never deliver real solutions.

That’s why we need MHAA—Make Homes Affordable Again. No handouts or fake price controls, just common-sense ideas like tax cuts, lower rates, and keeping Wall Street out of our neighborhoods. With President Trump back in office, there’s real hope. He’s pushing strategies to help American families directly, and it’s time to make it happen.

For years, the government has made it tougher—not easier—to build wealth. The middle class gets taxed to death while billionaires legally pay almost nothing. Politicians keep piling on more taxes and red tape instead of solving the problem.

But three simple tax cuts could change everything:

First, stop taxing overtime pay. When you work extra hours to get ahead, that money should go toward a down payment—not the IRS.

Second, eliminate taxes on tips. Service workers—bartenders, waiters, hotel staff—rely on tips to make ends meet. Taxing them just makes it harder to save for a home.

Third, stop taxing Social Security. Retirees shouldn’t have to pay taxes on money they already earned. They deserve to use it for homes or family, not hand it over to the government.

Trump’s all about cutting taxes for working folks. In his March 2025 address to Congress, he said, “I’m calling for no tax on tips, no tax on overtime, and no tax on Social Security benefits for our great seniors.” Love him or hate him, these bills will positively impact all ordinary Americans. These changes would free up cash fast, putting homeownership back in reach for many who’ve given up on the dream.

Lots of people are waiting for interest rates to drop before buying a home. But here’s the catch: when rates fall, more buyers jump in, and prices climb even higher. It’s basic supply and demand: lower rates mean more competition, bidding wars, and less chance for first-time homebuyers.

Don’t wait for the perfect moment. Get in now, even with just 3% down. Lock in today’s prices, and when Trump helps bring rates down, you’ll already be set—not stuck on the sidelines, watching prices soar.

While families struggle, corporate investors are buying up entire neighborhoods. Hedge funds and big firms now own nearly 600,000 single-family homes—houses that should belong to you, not them.

In December 2023, the End Hedge Fund Control of American Homes Act, created by Democrats, tried to fix this. It would’ve:

• Banned corporations from buying single-family homes.
• Forced them to sell what they own.
• Give families a fair shot.

But a divided Congress, with Democrats in the Senate and Republicans in the House, let it stall. Gridlock? No guts? Who knows, but it never reached President Biden’s desk. Meanwhile, our tax dollars fund wars overseas instead of helping here at home. Trump’s different; he’s focused on putting Americans first. With him pushing, we can stop Wall Street and get homes back to families.

Even in this broken system, you can fight back. The rich have used S.M.A.R.T. strategies—Strategies to Maximize Assets and Reduce Taxes—for years to build wealth and dodge taxes legally. My book, Be SMART Pay Zero Taxes, shows you how to do it too:

• Invest in assets that grow instead of living off a paycheck.
• Borrow against them instead of selling, so you skip taxes.
• Use the Buy, Borrow, Die trick to pass wealth down tax-free.

The ultra-rich don’t rely on W-2s or pay big capital gains. They use debt to grow rich while paying almost nothing in taxes. You can start small and do the same and Be SMART Pay Zero Taxes is your playbook.

Strong families need strong homes. When you own, you build wealth, stabilize communities, and set up your kids for success. But if we don’t act, only the elite will own homes, and Americans will become permanent renters—lifetime income streams for Wall Street investors.

We need to:

• Cut taxes so working Americans can save for homes.
• Lower interest rates and make sure families—not corporations—win.
• Stop Wall Street from treating homes like stocks.

Trump’s ready to fight for this. He’s already working to put your money back in your pocket, not overseas. With Be SMART Pay Zero Taxes, you can take control too. Together, we can Make Homes Affordable Again and turn this bill into law—giving every American worker a real shot at the Dream. Are you with me?

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Mark J. Quann is author of Be Smart Pay Zero Taxes: Use the Buy, Borrow, Die Strategy to Get Rich and Stay Rich.