I don't know which particular Market you're in, but in the majority of cases, especially around me, if a bank would just fucking approve me for a loan I would pay notably less per month then I pay a landlord for rent.

And it's not like I even have a bad credit I'm in the 740s but since the fake imaginary value of properties is skyrocketed to the point that even a piece of shit falling apart house is almost a million dollars I can't get the kind of down payment they want. So despite the fact that the mortgage would literally be cheaper per month I can't get one.

And that situation exists thanks to people snapping up properties especially large companies and turning them into investment rental properties