One key element of the housing crisis is the hell of houses of multiple occupancy (HMOs) much loved of TV programmes like Houses Under the Hammer, but too often experienced as places of exploitation & threat by their tenants (existing in rentals that are often outside the law).
As Aditya Chakrabortty explores this is a reflection of the buy-to-let logic of the Thatcherite housing 'revolution' linked to austerity & racism/prejudice.