HousingWire reports that a survey of over 1,000 borrowers by the National Foundation for Credit Counseling (NFCC) revealed half could not afford the required 20 percent down payment under the qualified residential mortgage (QRM) plan, despite housing prices being at record lows.  USA Today‘s analysis of U.S. Census Bureau data shows more homes are being rented than sold in 500 cities.  The NFCC says renting has many advantages, but it does not stimulate the economy through purchases of appliances, home improvements, lawn care and other areas that can lead to job growth.