Abstract

ABSTRACT The financialization of rental housing, driven by post-GFC financial contexts, sees assets concentrated in the hands of corporate landlords aided by technological innovations and state support. Foreclosures and evictions, especially in GFC-affected areas, enable corporate acquisition of property at bargain rates, followed by eviction strategies to increase turnover and rental prices, bypassing regulations. This upward distribution of value is supported by growing labor precarity, intertwined with rising rental prices globally. Labor market precarity, linked to stagnant wages, exacerbates housing precarity, creating new forms of accumulation by dispossession. The hypothesis suggests a convergence in “regulated deregulation,” blending formality and informality through financial processes, digital mechanisms, and public policies. Renting becomes a bridging mechanism, transforming housing into a service, managing time and income generation, with potential scalability through digital mechanisms. This marks a departure from historical constraints, potentially establishing unprecedented connections between informality and finance.

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