Make resale of forclosures requierments change to:
1,owner occupied only.
2. show 6ths job stabilty
3.your income matches to interest rates (higher rate),ins,taxes calculation charts you qualify. Period.
Lots of homes would be sold to people who have lower incomes but would be paying less for a home than struggling to pay rent.
Less restictions,more incentives.
And credit would increase. Cycle begins to improve all around.