Quote from @Adam Macias: A 50-year mortgage sounds like affordability — but it’s really it'll be debt that never ends. lolOn paper, stretching a mortgage from 30 years to 50 lowers the monthly payment, yes.But in reality, you’re paying far more in interest while barely building equity for decades.If you buy a house at 25 years old if you're lucky, you'll be 75 when the mortgage term ends...It’s housing that feels like ownership but functions more like renting — just with a longer contract and a higher total cost.The real problem isn’t the length of the loan.It’s the affordability crisis that’s forcing people to consider lifetime debt as a solution.Until we address prices, wages, and supply, extending loan terms only delays the inevitable...The further elimination of the middle class chasing the American Dream of owning a home. 

Does it make things more "affordable" - of course - through financing terms. 

Why Philadelphia is the Next Hotspot for Real Estate Investment: A Case Study of 5000 Florence AvePhiladelphia remains the most affordable major city in the United States, making it an attractive target for investors seeking strong appreciation and cash flow—especially as savvy investors are flocking here from NYC, Boston, and DC.

People still need affordable housing.

Answer to affordability is to have more people live in the unit, step down in type of housing, or move to affordable housing.  

I have been back and forth between targeting a 350k or lower single family home and house hacking it as the payment is extremely affordable for me even if I can not find great renters/roomates quickly.

Don’t forget backup plans.If the roommate moves out or pad-split demand slows, can you still afford the payment with just the $1,500?

Yes, there’s a need for affordable housing and finding a solution is a heartwarming story but this truthfully is the worst time in recent history to attempt to fix the affordability problem.

I’m an MIT grad student who used to be a consultant in the affordable housing section.

With median home values supporting affordability and projected appreciation rates aligning with national trends, the state offers opportunities for stable cash flow in single-family rentals, enhanced by low vacancy rates and investor-friendly dynamics.If you'd like to discuss further, we are happy to help.