We as a species had "affordable" housing long before we had police. I'd also like to point out that housing is often not well-maintained despite broad knowledge

We as a species had "affordable" housing long before we had police. I'd also like to point out that housing is often not well-maintained despite broad knowledge of the problem: see for example Greenfell Tower (London) or rue d'Aubagne (Marseille) scandals. Private property as a social structure does not ensure decent quality or affordable housing. If you insist on private property as a means to organize housing, then it'd probably be more reasonable and efficient to redistribute ownership widely: if you make everyone owner of their current residence, you'll find they'll take better care of it overall than some remote profit-seeking landlord who couldn't care less about mold and fissures.