A downpayment is 5% minimum, you’re unable to save 15k to 20k to buy a house because you’re paying the equivalent of a mortgage? Then sorry bud, you just don’t have the finances to own, it’s that’s simple. I do everything myself and a bathroom still costs thousands to renovate when it’s not an emergency, if you need to redo everything? Add a couple thousands again.

Your argument is basically if you can’t save for a home while already paying for a home you can’t afford a home.

More like if you can’t save for a house while already paying for a house you won’t be able to maintain a house.