Everyone agrees: something must be done to end the housing crisis.  The goal is to help renters and first-time buyers by making housing more affordable. Every party has a plan to get the job done. If the plans work, they’ll create losers as well as winners. Homeowners and landlords will be the ones to lose out. I interviewed Darragh O’Brien last week. Part of his approach is to increase supply as much as possible in order to drive down housing costs. He wants the state to build more homes, and the private sector to build more homes too. So the big question is,…