Rent and mortgages are so heavy because we've been taught to buy and sell something no one ever owned. No one created the land, so no one can own it, and you can't buy it from someone who never owned it either. (Restore Our Relationship to the Land.)
Instead of ownership, the Law of the Earth sets out specific rights for specific uses: anyone may walk the land and eat a ripe fruit from it, while uses that change the land more need more justification to the village that lives there.
Every person has the Right to Take Shelter: to use existing shelters in need, and to build a low-impact shelter for themselves and their family. The Law also protects your dwelling. You have the right to keep living where you live, and a Personal Territory where you may demand privacy.
That's why the Blueprint works to repeal anti-homeless ordinances and other irrational rules (Bring Legacy Governments to Reason), and why it builds villages where no one is locked out of a place to live.