After wrestling with recalcitrant homeowners, husbanding their parcels of land to keep their property values high, the state’s leadership passed a law that increased the availability of new rental units and put more money into homeowners’ pockets in 2016. The passage of the law has unlocked a wave of entrepreneurial energy as startups look to build things that can make money and solve a real problem for the state — and eventually — the nation.

One plan put forth by lawmakers would give tenants 10 years to make up missed payments, while a separate bill would allow homeowners to postpone mortgage and auto loan payments for nearly a year.

In this video, CalMatters housing reporter Matt Levin moderates a virtual discussion on what help is available for homeowners and renters struggling to make mortgage payments and rents, and what can be done to help homeless Californians while shelter-in-place orders are in effect.

Demand for housing will likely soften as unemployment grows and household incomes decline. Moreover, thousands of homes have already been pulled off the market, affecting both potential buyers and sellers. Fewer housing units will also be produced in the short-term, possibly impacting housing affordability over the long run.