The federal government should purchase or prepay all first mortgages on Section 8 housing if the interest exceeds the federal borrowing rate. It should then eliminate debt service and reduce housing assistance payments (HAPs) by the amount saved. Housing choice vouchers should be phased out over a short number of years. In apartments where the tenant pays utilities, utility allowances should be phased out. For apartments with utilities provided, rent should be increased by the reasonable value of utilities. When individual UBI reaches the federal poverty level (that is, it meets the poverty level for a household of two, divided by two), rents should increase to at least the operating costs of the property without financial expenses. As UBI is phased in, rents should be increased proportionately. There should be no new construction of subsidized housing, as older housing declining in value can fulfill that need more efficiently. If the federal government does subsidize new construction of subsidized units, which it should not, it should pay the cost with federal appropriations and not rely on tax credits or other tax stratagems to pay or hide part of the cost.