This assumes I want to pay for housing over a period of time. I’d love to just pay for it once and never be beholden to anyone ever again. My car was $5000. When something breaks I fix it myself for nothing. I’ve replaced heater core in 1940s furnaces myself, put on new roofs, can drywall anything myself. Houses are cheap to fix and you can find people that do it right for little money if you know your stuff. I’d love to settle down and I’m ready to do that where it makes sense, but where I want but is not affordable. I can rent but then I’m wasting money. Building more housing fixes this problem very easily.