The monetisation of economies has replaced markets in goods and services with capital markets. This would be fine if the capital markets were fair - but they aren't. One way to make them fair is to introduce consumer capital. Consumer capital accrues to consumers whenever they pay for goods and services. The price of goods and services has a capital component. For housing, it is a high proportion of the rental payments and it should accrue to renters whenever they pay their rent. Consumer capital gives a return on investment by giving a discount on goods and services when used rather than the return on investment as more money. It replaces interest-bearing debt and reduces the cost of the transaction. Interest goes away is not needed and that is a saving of money. For housing, it typically halves the capital cost.

Tenants can buy the houses they live in for a fixed proportion of their income - say 25%. Governments can set the ball rolling with public housing and investors who are looking for income rather than capital gains will take up the approach. Here is a proposal to do this. https://kevin-34708.medium.com/affordable-housing-for-the-gungahlin-town-centre-e0dbd4d4e27f