Thats kinda my point.. Yes, all of the costs are just baked into rent. They're not baked into a Mortgage, and people dont get that so they end up buying as muc

Thats kinda my point.. Yes, all of the costs are just baked into rent. They're not baked into a Mortgage, and people dont get that so they end up buying as much house as their rent was, and then get over their skis when they suddenly need to cough up 15k for a new roof? If you're in the position where even paying the rent consistently is a marginally difficult problem, even if lending standards are relaxed sufficiently, how is this person going to pay for a new roof unless the price of that loan is subsidized to the point that it either has a zero or negative interest rate? Not everyone can buy - either because of the work required, or because of the financial outlays needed. Also to be honest, not everyone wants that responsibility.