The article deals with the problems of constitutional right to housing ensuring mechanisms as mortgage and rental housing, the comparison of these mechanisms functioning in Russia with a number of foreign countries. The author's vision of the prospects for the development of mortgage and rental housing in Russia suggested, collective investment in rental housing by analogy with the REIT, operating in the United States, could be suitable with the certain incentives creation for investors, including tax incentives. The author notes the expediency of preservation of shared construction in small and medium-sized cities along with the project financing of housing construction,due to the of possible stagnation risks in the sector of residential real estate construction inthese cities due to the departure of small developers.