Honestly I would love to build multi-unit homes but finding the money to do it is difficult. If I was of means I would fund it myself. I have the people and know-how to do it effectively but it’s a slow crawl to be able to get a project like that rolling without a large and flexible funding situation. Most people with the means realize the risk is too high/reward too little so they don’t do it. If it was me it would be out of ideological beliefs than financial gain. Utilitarianism is the way but you can’t convince a financial institution or even government agency to believe in you without difficult hurdles that limit the amount of people feeling its worth the work.