Chris Avallone, Head of Merchant Banking at Amherst Group, brings his expertise to dissect the tangled web of the housing market. He delves into the "lock-in" effect that's tethering homeowners to low rates and the "lock-out" dilemma faced by aspiring buyers. Chris offers insights on how local governments can tweak zoning laws to unlock the market, and explores stats about overvalued homes. The conversation wraps with predictions on what lies ahead for housing affordability and the need to tackle the ongoing crisis.