Getty Images; Jenny Chang-Rodriguez/BIThree baby boomer homeowners told BI they want to downsize but can't find suitable options.Rising home prices have led to a big increase in their home equity over the years.But those rising prices also make it harder to find affordable homes for retirement.As many baby boomer homeowners look to cash in on their home equity and downsize, some are grappling with a shortage of suitable homes.Older homeowners are increasingly staying put, as mortgage rates and housing costs remain stubbornly elevated and inventory— particularly of affordable and accessible homes — is scarce.