Post-2008 I think a big issue is down payments. Yes with 1% interest and 25 years you can turn a massive principal into reasonable payments, but how do you come

Post-2008 I think a big issue is down payments. Yes with 1% interest and 25 years you can turn a massive principal into reasonable payments, but how do you come up with 5% of it to get started? It's hard to save tens of thousands of dollars unless you're lucky in your career or have a second earner dedicated just to that (and no school loans or other debt to service). Other than that you're waiting for a windfall or reliant on your parents re-mortgaging their place to give you your down payment. I got lucky with my company's series A. But I know a lot of people whose parents helped them. And a bunch more whose parents can't— those people are still renting in their late thirties, waiting for a bus that may never come.