How come one can’t buy a rural 1/4 acre and pour a foundation for a 1200 Sq. Ft. utilitarian house that is built taking a loan for everything, living out of an old trailer on property & doing 1099 subcontracting internet work? The loan is n% of the whole, the rest is up to the person to supply. Gotta stack paper. The housing shortage is subject to wanting to have a good time, versus living a frugal present for an uncertain future.

Second hint: one should built their credit from starting at, say 650, and building to 750, all by paying bills on time for two or three years.

It isn’t easy to deny the luxuries of the world, because YOLO could end at anytime in this world. If you are a city type, it must be frustrating, so I see more and more ppl going 1099 remote subcontracting from cheaper, more rural areas, say 50 miles from the metropolitan area