You can find affordable housing, it’s just just the densely spaced spec homes that deteriorate quickly. We’d be better off from a value perspective if developers could only carve out subdivisions but had to sell the lots to, home buyers who could then choose the house style and materials. Get rid of the HOAs and their covenants requiring uniformity. The builder extracts a huge margin by using the cheapest materials. A home is the worst purchase to do this way, since the economic lifetime is 75 years but the actual lifetime can be longer.