American Veterans Restoration Plan

Invest in communities around America to incentivize construction of 4 million affordable starter homes within five years.

- Offer tax credits, low-interest construction loans, and streamlined permitting to companies that build qualifying entry-level homes.

- Prioritize projects that partner with local governments, trade schools, and unions to create jobs and boost community development.

- Homes must be owner-occupied, energy-efficient, and priced for first-time buyers.

A promise to everyday families to have the first opportunity to purchase homes before investors can buy residential properties.

- Establishes a 45-day waiting period before investors or corporations can purchase a listed single-family home.

- During the waiting window, only owner-occupant buyers and first-time homebuyers may submit offers.

- Set Market Transparency to require public disclosure when a property transitions from the owner-buyer window to investor eligibility.

- Enforcement & Penalties are built to carry financial penalties for agents or investors who bypass the waiting period (not-applicable towards Sales made by owner but must purchase their next primary residence during the investor window)

Ensures that every qualified first-time homebuyer in America can afford to close on their first home by providing a federal guarantee that covers standard closing costs.

- Charge a 2% fee on investor purchases, with proceeds flowing into a first-time homebuyer fund (“investment ladder”)

- Eligible first-time buyers receive up to $10,000 toward closing costs, title fees, inspections, and related expenses.

- Cities and states can match federal funds for additional coverage or rate-buy-downs.

Cut into the monthly payment barrier for first-time homeowners by guaranteeing fixed reduction from the lenders

- Guarantees a 2.00-point lower mortgage rate than the lender’s offered fixed rate for first-time buyers or those who haven’t owned a property in over 10 years.

- Eligibility applies only to primary residences purchased by first-time homeowners within local conforming limits.

- Funding supported by a federal rate-buydown program administered through FHA

- Safeguards that Includes price caps, occupancy requirements, and early-sale repayment rules to prevent speculation or abuse.

Strengthen transparency, rebuild consumer trust, and restore fairness for American ranchers

- Phases hedge funds out of owning single-family homes over 10 years—they must sell at least 10% of their SFR portfolio to families each year until they own zero

- A $50,000 per home, per year excise tax is charged on any hedge-fund-owned SFRs above the allowed amount during the phase-out; any future hedge fund purchase of an SFR triggers a 50% tax on fair market value

- Directs collected taxes into a national down payment assistance program for working- and middle-class homebuyers.

Safeguards the homes of ordinary Americans by protecting primary residences from foreclosure or loss caused by financial crises, market collapse, or systemic bank failures.

- During a declared financial or housing crisis, primary homes below $500K cannot be foreclosed, repossessed, or auctioned for 12 months while stabilization measures are enacted.

- Homeowners automatically qualify for federally backed forbearance and payment freezes, with no penalties or credit damage, during banking or market emergencies.

- Prohibits institutional investors or banks from acquiring primary residences in bulk during crisis periods to prevent predatory buying or displacement.

A proposal to modernize income rules, expand fair access to mortgages, and recognize real-world ability to pay.

- Replace Area-Median Income valuation Hard Cliffs with a Sliding Scale where benefits gradually taper off as income rises.

- Allow Verified Rent Payments to count toward Mortgage Qualification, which score rent the same way lenders score credit cards or auto loans.

- Allow utility, phone, internet, insurance payments to reflect positive credit and protect student loan payment amounts and medical debt from being utilized against your home purchase

Single-family homes should be places to live, not corporate investments. When large companies buy up homes across the country, prices rise and families get pushed out

- Prohibit publicly traded companies, large private equity firms, REITs, and corporate landlords above a set size from buying or holding single-family homes

- Create clear language around single-family home definitions, close loopholes and block shell companies used to get around the rules.

- Create a national registry of beneficial ownership for residential property, require disclosure at purchase, and levy meaningful fines/tax penalties for violations, bulk-buying evasions, or leaving homes vacant.