Tiny Homes, Big Headache: Why Should I Subsidize Your Backyard Apartment?

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Congress is floating a new bill that would offer government-backed second mortgages for building tiny homes—also known as accessory dwelling units (ADUs)—in backyards, garages, and basements. Promoted as a fix for the so-called "housing shortage," critics like Chris push back hard. He argues this is not a federal issue, slams the idea of taxpayer subsidies for private rentals, and warns of the chaos it could unleash on neighborhood zoning, infrastructure, and aesthetics. From overloaded roads and schools to shrinking yards and rising tensions, he calls this a recipe for disaster disguised as a solution.