> how do you expect anyone to risk the large up front cost of financing a home if they do not have any expectation of profit? This is done already, and it's no

> how do you expect anyone to risk the large up front cost of financing a home if they do not have any expectation of profit? This is done already, and it's not complicated: A property development company will present a project and sell subscriptions to people who want to invest (usually people who want to live in the apartments). These people will start paying a monthly amortization to the property development company, which uses that money to purchase the land and start building. People start paying this amortization a few years before construction commences, and continue to pay it a few years after construction is finished. After that, they own their real estate outright. Yes, the property developer expects some profit from this. And most people who are subscribing except profit as well. They can sell their investment / subscription at any stage of the development. But the financial risk is spread among all investors.