The threshold for a crisis isn't 50%. For example, our current shortage of housing is 4M-7M homes. That small percentage belays the story of millions of families who are not finding a home.

That said, we've past our historical high of owner-occupied homes. That trend is downward.

As ever, ~0 rentals are owned by the inhabitant. What changed there is that individual-owned rental properties are no longer the norm.