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Not everyone is in a position to be buying a house at any given time, though. Providing housing at a less-than-the-very-top-of-the-market-value is still a necessary service that can benefit both parties.
The issue is the hoarding of that resource in certain areas, and the psuedo/full-on price fixing to max out returns
It’s true that it everyone is in a cash position to buy a house, but that’s made worse by housing being so expensive. And housing is expensive in part because of the hoarding and rent-seeking behaviors of landlords and investors. So renting is a “solution” to a problem it partly makes itself.
If people don’t have cash to buy houses, I’d look at that as a problem for lenders. Someone else renting out the house doesn’t necessarily have to be the only solution. I don’t think it’s possible to eliminate renting because we need some very flexible housing / short term housing.
But if we imagine a world where renting is incredibly restricted, perhaps to 4-unit apartments and up, instead of every single residence on the market, I think we would see a more affordable market where more people COULD be in a position to buy a house.
Interest rates are more of a significant variable. At 7%+ interest, renting will be cheaper.
There are other scenarios besides "not being able to afford to buy" that would make people lean towards renting.
Yeah, that’s why I said we need flexible and short term housing. The trick is to make renting serve the needs of renters, because those needs do exist. Today it’s more about serving the profit margin of owners.
When I rented out my property, for example, I felt it was my responsibility, my job, to offer a residence where everything worked. I maintained the place meticulously and paid for every repair. However if you simply scan reddit you’ll see thousands of posts from renters who, for example, have a broken down refrigerator and will have to pay to fix it themselves. I find that disgusting - the landlord holds the renter responsible for anything that happens while they are there. So the landlord gets their monthly debt service paid for by the rent, plus profit, plus they enjoy to market appreciation, PLUS the renter is on the hook for all maintenance? Fuck that.