Housing affordability crisis & policy battles

AI-driven price surge, ADUs at 28% of permits, $10B housing bond, SF cuts inclusionary requirements, Oakland rental bidding wars, JPMorganChase $5.6B commitment, SF tenant revolt, AB 1482 rent caps, Santa Cruz homelessness up 12%, Tipping Point pilot, 21st Century ROAD to Housing Act, HUD shift blocked, FHLBank SF awards, small Black church housing, SF Family Zoning slow, office-to-housing conversions niche.