A realistic alternative? The occupant owns the dwelling. That removes the problem entirely. People can’t afford to buy? Well if you can’t own residential property you don’t live in. Prices will correct.

Alternatively, the government historically has given most middle class Americans the majority of their generational wealth through land gift programs, then you gave first time homeowner loans, which could easily be retooled to give the property to those living there and have all payments go towards ownership,

There’s so many options better than someone fucking you in the ass as hard as they can so you can bearly survive.