According to CBS News, affordability in the US housing market is at its lowest level in history. With housing inventories locked up, what changes have occurred in the balance sheets and strategies of companies listed on the stock exchange?

Residential Construction:Current home supply is frozen! $DHI and $LEN are dominating the new home market by offering interest rate incentives; delivery volumes are strong, but gross margins are down to 15.6%.
Rental Housing: Those unable to afford housing are shifting to corporate rentals. While $INVH and $AMH maintain FFO growth, companies are moving directly to the Build-to-Rent model following the new ROAD Act's 350-unit purchase limit.
Home Insurance: Premiums have increased by 46.8% in 5 years. $ALL achieved a historic turnaround in Q1 with $2.4 billion in profit, increasing policy premiums by 13.9% and reducing its combined ratio to 82.0. $TRV is strong with a 21.1% ROE.
Home Insurance: Premiums have increased by 46.8% in 5 years. $ALL increased policy premiums by 13.9% and reduced its combined ratio to 82.0.
Platforms: As residential sales volume shrinks, $ZG is deepening its presence in the SaaS and rental residential verticals by increasing rental revenue by 42%; $RDFN, which is sensitive to transaction fees, is optimizing for costs.