This may seem obvious, but working together with extended family is another way you can afford a home. Here in Hawaii, it’s often the norm to have multiple generations living under one roof. One way to bring back affordability is to hui up with your ‘ohana and buy a home, live together and fix up the home while pooling all of your resources. By living below your needs, you can then pull any equity out to purchase another home. The end goal would be to save up so that eventually each family can own their own home.