Don't worry, there's three end conditions for the capitalism game.

Full automation wins capitalism. Meaning robots that can create and maintain more robots from an entirely automated supply chain. Having money to buy a replicating robot, a junkyard, and pay the power bill for a year means that in a couple years, you could have an army of worker robots who built their own factory, sustainable power source, and be well on your way to harvesting the methane wafting off to fuel the rockets you're building. And once you mine your first asteroid outside the gravity well, within decades you can be building super structures. It's essentially infinite ROI. Once it's bootstrapped, it means a defacto monopoly over every physical good, forever - the game is over, we have the winners

Super intelligence (sentient or just a bigger faster tool like LLM, anything that can solve complex systems like the stock market or complicated systems like the stock trading software stack) breaks capitalism. One person (digital or sitting at a keyboard) can control the system by exploiting the rules by operating on a different timescale. They can also do a hell of a lot more important things, but again, capitalism as we know it has to end

Both of those situations are pretty closely related - one can quickly give you the other - but the other similarity is that you get a VERY small group of winners... And there's this giant army that would dogpile the winners, because the .01% isn't going to smile and offer handshakes as a few members of the .1% are busy gaining the power to rule over everyone like godkings... The board will get flipped and the rules rewritten once again... But with the slightest bit of luck, the same technology will fall into hobbiest hands and be shared freely

And finally, shit just keeps getting worse. We have pretty much constant protests at this point, monthly events where cities get demolished, and people are getting both pissed and desperate. The clock is ticking fast for stuff like ubi or free housing to push it back further, but humanity as a whole is getting ready to flip the table.

So don't worry... Soon the homes will be worthless, one way or another, and then you won't have to worry about crazy nonsense like a mortgage (that for no real reason, "creates" 90% of it's value - repeating. Meaning when all is said and done, one mortgage of $N creates almost $10N in new money if everyone uses banks)

Try looking into new builds. Part of the reason for the sky high housing market is that we haven't been building enough new housing for the last 30 years or so. Not saying that a new build house would be any cheaper, but most people just look at the cost of buying something that has already been built.