"all one needs to do is find the money" is the mechanism that keeps some people out of the housing market, or at least makes their lives pretty hard. Middle-class families can find the money, but the poor do not and usually cannot (for whatever reasons) raise their value on the job market enough.
A case can be made for rationed housing at extremely low prices. If you let anyone in, you would get a cash-flow problem and distort the market, but not if you limit it to the poor.
"all one needs to do is find the money" is the mechanism that keeps some people out of the housing market, or at least makes their lives pretty hard. Middle-class families can find the money, but the poor do not and usually cannot (for whatever reasons) raise their value on the job market enough.
A case can be made for rationed housing at extremely low prices. If you let anyone in, you would get a cash-flow problem and distort the market, but not if you limit it to the poor.