Starter houses are $500k.
That's fucking ridiculous, it's time to move somewhere more rural. Or better yet, pay a property owner a monthly fee to park your tiny home on their land and tie into their utilities. Pay it off, upgrade, then repeat. If you start with a $500k home you're paying out the ass nothing but interest to the bank. With the tiny home you can actually build equity, then snowball it larger and larger. Hell, even living in an RV is a better deal. Baby steps and sacrifice.
The days of playing by the rules of the system are over. It doesn't work anymore. Gotta operate outside of it and be creative.
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