That kind of cash too is just another form of cost- and I think that goes to part of my point which is that especially because of speculation the sticker price

That kind of cash too is just another form of cost- and I think that goes to part of my point which is that especially because of speculation the sticker price of a home is really inflated. If the buyers don't have a profit motive (neither the builder or the lender) how much lower will the true cost be? It could be low enough for a non-profit co-op to own the building instead of a bunch of investors.