Stacy Sirmans and David Macpherson's 2003 research article examines the multifaceted issues surrounding affordable housing and obstacles to homeownership in the United States. After reading the article, please complete the following:

Summarize the main causes of housing inequalities in the United States, describe the housing decision-making process of low-income individuals, and analyze the effects of income-based housing choices on an individual's ability to build wealth and transfer it intergenerationally. Lastly, why do you think educated individuals are currently experiencing more success in accessing real estate properties, despite their race or gender?