Have you ever heard of squatting? It's a term used from the last two centuries being reapplied today. It's living for free in a home you don't own. It's illegal, but that isn't stopping people from doing it, with the increasing numbers of homeless in this country.
If you've read my blog for a while, you'll remember a post I made earlier this year regarding how to use the bailout money to help the homeless, by using the money to legally lease from banks foreclosed homes and turn them into shelters. Here's the link to the post: Homeless Assistance
To me, my idea makes more sense because it brings the money back into the situation. Management agencies would need to be created to manage the leases and maintain the foreclosed homes, creating jobs. Homes not habitable will need to be fixed up before they could be used, that creates jobs.
Yes, it's a short term solution to a long term problem, but it would infuse money where it's needed, and at a local level.