Mmm.... just had a thought.
If retired people want reverse mortgages (11% and compounding interest) then why not just sell 25% of their home to an investor and agree to pay some rent. If someone can not sell their home, why not sell 50% of it.
It would suit society if the govt were to buy this equity, so when the pensioner couple die, the house could be converted to public housing as an option.
Flexible financial housing solutions will assist in the deflation.
Later edit: domacom.com.au provides Fractional Property Investing.
What are the exit plans like for the majority holder? Who decides the sell price? Lots of question, however a novel approach