I don't disagree (favoring personal ownership over multiple ownership), but then I'm not sure how this works out. Single-family homes everywhere? It's causing housing problems due to sky rocketing prices due to low density. So I think it's accepted that we need multi-family homes, to gain higher density housing. Ultimately skyscrapers, but in most case a few units per building. In most jurisdiction, the cost of developing a unit goes up the less dense the project is, so economical units sort of by definition mean packing more units per project.

It works out if high density housing is built and then all sold as condos. People could pool together and buy land as a coop-style group, and then develop it as high density housing. But then its facing organizational hurdles (coop-style orgs don't have the best outcomes) and the whole thing need to survive years long timelines (to design, permit and build) while staying focused to avoid cost avalanches. Good luck!

I don't have an agenda in this (unlike other commenters suggested) and would love to discover a better way of doing all this. I think the current system is flawed but I don't hear convincing alternatives. And what's there right now is better than a feudal system, that's for sure... Hey, back then, Lords were owner occupiers! How has that worked out for the peasants?

I live in Norway, and it seems to work just fine. The density isn't all that high compared to, say, NYC, but anyways there definitely are plenty of multi-unit apartment building, which suffer from the same organizational problems, that manage to survive fine as individually owned units. I am not qualified to speak too much on this, but anyways it's certainly a solved problem, and there should be plenty of templates from other places to build off of.

Are they also built and developed as a group, or is it via a main developer who buys land, builds the building and then sells the individual units? If that's so, the same sometimes exists here, but because regulations, zoning and permitting is so limiting, lengthy and onerous, the units built end up being prohibitive and quite limited in numbers. Which really doesn't help much solve the problem.

Hence why I think the issue isn't about taxing more for stuff like "not owner occupied", but more about the opposite: make it faster and easier and cheaper to build high density residences. Then prices will fall and the affordable market will be served by smaller developers.