The Housing2.xsd schema includes this snippet within the HousingUnitList element:
<key name="UnitIDKey">
<selector xpath="Unit" />
<field xpath="@unitID" />
</key>
Should the xpath be "HousingUnit" instead of "Unit"?
That's correct. In fact, in double-checking this I discovered that there are also some missing namespace prefixes; the result was that the instance document was being incorrectly passed because the field xpath was resolving to an empty set.
The correct lines for the keys and keyref are as follows: