LOL, as much as I hate loans, prices won't lower to meet a new price point. A $300,000 McMansion still requires a certain amount of lumber and concrete and labor. You aren't going to get a $1,000 McMansion just because that's what the Average American has cash on hand. What's going to happen is, people will start buying 20' shipping containers. It's not the same thing. Here's what you do. You bite the bullet and take out a loan. Why? Because that's just the game you have to play. Don't go through the bank. Get a loan from mom and dad, and pay them back because they are kin. But, you buy the smallest cheapest shithole trailer on a quarter acre that YOU own. Pay it off as soon as you can. Highest priority. Fix it up a little. Improve it. Live in it a few years after it's paid off. Meanwhile, you are charging yourself rent. Save that money. Sell the trailer at profit and upgrade. Wash rinse and repeat, without the loan this time.