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America has enacted one of its most consequential housing laws in years. But for working families in Rochester, a more immediate question remains: where is the path from renting to owning? There is a household in almost every Rochester neighborhood that is easy to overlook. The adults work. They pay their rent. They manage their expenses carefully. They may even be able to afford a modest monthly mortgage payment. Yet homeownership remains beyond their reach. Saving for a dow

Introduction Housing affordability has become one of the most pressing challenges facing families and individuals across the globe. Sharp...