It's as if you actually life in a world where people with kids don't routinely rent.

Here is a powerful clue for you: if you talk to actual people in the real world, you will find schoolteachers, construction workers, real estate agents, Windows desktop support staff, and even meter readers who are successfully raising children. I know it's jarring to hear this, but software developers do not actually have it hard in this regard.

edited for brevity