This is an independent opinion. Want to respond? Write your own commentary! Email hoa@ivn.us. We are constantly being told there is a housing crisis in California, and particularly so in San Diego. Developers march under this banner to demand incentives from the government to allow them to maximize the value of their land. The reality is we have an affordable housing crisis. Developers are building homes for the top 30% of prospective buyers. It is the rest that are being left behind – first r...