That's what the capital is for. Why hoard something that rots and can't be easily moved around? Capital knows no borders and actually increases in value just by moving it around.

It's basically an infinite food hack, but not just for food - for everything

Most mortgages are lower than rent.

But due to overinflated housing prices banks refuse mortgages for the poors.

If housing prices matched the actual monetary value mortgages would be more accessible for the average person.

If you want to rent go to a hotel.

If so many jobs didn't stupidly require college degrees and if college wasn't stupidly expensive and if wages had kept up with production for the last 50+ years and if corporations werent allowed to own vast swaths of housing and if the world wasn't run by greedy power hungry capitalists then maybe, just maybe, PERHAPS people might have a few extra bucks to be able to afford something.

Just a thought. Maybe, the issue is money has been taken from the people in so many ways.

The government/social housing

If something is a need then it’s provided through taxes

Henry George wrote about this extensively. The solution is a tax on all land at just under 100% of it's rental value. That allows landlords to profit from the structures they build and maintain, but not from the land itself. It disincentivizes real estate speculation, lowering the cost of land and housing and improving accessibility to people who use it productively.

Two (current) real world solutions: Most people in China outright own their homes with no mortgage, as the government owns the land itself and subsidizes housing purchases and even outright gives housing to its citizens. Similarly, most people in Singapore live in subsidized government housing.

I might be wrong, but I think even if you changed nothing else about society except abolishing landlording, supply and demand would drive down home costs and force banks to offer mortgages to the people they currently deny. Ideally though, abolishing landlording would be part of a larger change to the way housing works.

You ever think about how weird most housing is?

Suburbia is lines of houses with the same items in them not being used. Full of people who become petty tyrants comparing about a car being parked to close or a yard not neat enough.

If you start to question how we should live together it's easier to see a way for landlords to cease to exist.

Landlords are the reason housing is so expensive. By buying up realestate and renting it out, landlords are directly contributing to the scarcity. Personally housing should be a human right. If you don't want to go that far here's a different solution. Literally just make apartment's buyable rather than rentable. Don't allow landlords to buy up all this realestate thus raising prices by creating a fake scarcity of housing. If landlords didn't own all of it, and people could buy apartment's rather than rent them, the prices would lower and become more accessible for people