Affordability is a math problem, not a headline. In this week’s Orlando Housing Market update, we focus on what actually adds options: faster permits for smaller homes, missing-middle housing, ADUs with clean rules, and smarter fees. We also cover why payments track the 10-Year Treasury plus the mortgage spread, how inventory behaves by price band, and where buyers are still winning with structure, credits, and timing. If you’ve been waiting for a miracle rate, this episode shows you a better way to move forward.