If voucher funds could be used to purchase homes, initially on a rent to own basis, then if the family meets appropriate and reasonable requirements the voucher can be used along with a Land Contract to purchase the home over time. With Land Contracts there is little of no need for financing or mortgages.
Homes could be paid off sooner without interest bearing financing. Minimize the cycle of generations on program, property passed to heirs. Build families in the community. Make families home owners instead of life long renters With Land Contracts there can be no equity until home ownership (end)
Another option if families are having difficulty qualifying for mortgages