One-third of the nation has a housing problem. Twenty-three millions households are ill-housed. They are a diverse group - the elderly, families with children and single people of all races. Most significantly, they tend to be women. More than 40 percent of the group - or 10 million - are female householders. Females head about 27 percent of all American households today; yet, they are disproportionately represented among those experiencing housing problems. In fact, numerically, they are the largest subgroup of the poorly sheltered population.