What have they done to Buy to Let?

I read in Davy's early morning briefing today that Buy-to-let lending fell by 8.1% the first three quarters of 2015.

Meanwhile, the number of homeless in Dublin almost doubled during the year.

One serious factor in the decline in availability of rented accommodation is the ban on bed-sits, which became effective in February 2013,

The purpose of the ban was to improve living conditions. The effect of the ban was to remove the most affordable rented accommodation from the market, to reduce the number of units available for letting, to put a brake on rent-to-buy, and to increase homelessness.

The taxpayer had to pay for emergency accommodation instead.

In addition, many citizens who had invested in "a second property" instead of putting money into a pension fund have effectively lost their pension pot.