im not sure if there is a great liberatarian response to homelessness. basically if theres a bell curve of income there will be some people in mansions and some people in cardboard boxes. i guess the answer is as long as there is equality of opportunity, equality of results isn't their responsibility.
now i think people being homeless sucks. where i grew up i didnt see a single homeless person until i was 19 and he was chilling at the train station. i gave him $20 to buy a new pair of pants. it was disturbing to see a homeless person in the suburbs. i'm used to poor people but not homeless.
if you read the latimes you will read about homeless people all the time. they had a great series a few years back about skid row which was pretty scary.
but in the end, just like abortion and violence in the ghetto and drugs and all the 'ills of society' i dont give a shit. as long as im not getting aborted, shot or robbed by a crack addict, im fine. i only care about it in theory, not really in practice. ergo, cold hearted bastard.