Homeownership in the 1980s and 1990s: aggregate trends and racial gaps

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Housing wealth, financial wealth, and consumption: New evidence from micro data (2009, methodology): “…grouped according to whether or not they were credit-constrained based on a definition of such from the SCF that has been used in previous research (Gabriel and Rosenthal, 2005).33 Given these definitions, model (2) was re-run limiting the sample to either credit constrained or non-credit…”
Low-income Homeownership: American Dream or Delusion? (2006, background): “This continued gap, argue some researchers, is due not to credit barriers per se but to other household characteristics, indicating a limit on how much mortgage finance innovation can increase minority homeownership rates (Gabriel and Rosenthal, 2005).”
Accounting for Changes in the Homeownership Rate (2007, unknown): “Gabriel and Rosenthal (2005) examine changes in the participation rate of di⁄erent ethnic groups, and argue that these changes can explain the observed changes in the aggregate homeownership rate.”