@tintin,
1. Many sociologists contend that homelessness is caused by a decrease in wages and in
inavailability of affordable housing, a lack of family support, and a decline in health care coverage.
That doesn't sound natural.
2. ... and
inavailability of affordable housing, a lack of family support, and a decline in health care coverage.
Neither does 2, above.
3. ... and in the availability of affordable housing, a lack of family support, and a decline in health care coverage.
Number 3 is fine. The availability of housing can be high or low. Common sense tells us that this situation points to a low availability of affordable housing.
4. ... and in the
inavailability of affordable housing, a lack of family support, and a decline in health care coverage.
Number 4 is also a possibility, but it's certainly not a necessity.