Ownership means maintenance

I’m an advocate for homeownership. No question. But to develop products which prematurely get people of little means into a home is irresponsible. For example:

For a time the monthly expenses may be all that is owed. After a while larger mechancial expenses appear. Some can be deferred by stop gapping replacements here and there. Eventually the folks will end up with a home that has not appreciated because of all the impending repairs.