I own in the city. Not looking for a handout. But I also rented here for very long time and have sympathy for renters who have to deal with negligent landlords who will fuck you over by denying basic services or plain force you out in name of chasing the profits. Been there.

Places where not-for-profit housing exists, you are basically paying a COOP fee instead of rent, and that fee covers cost of all operating expenses. Underlying mortgage, common utilities, maintenance, etc. No private profit is levied on top of that. Over the years such housing becomes really inexpensive. This is not some commie plot to nationalize housing. Variations of this have existed for a century in NYC. For the last 2 decades+ we have been balls deep into "private for profit developers" will magically make housing more affordable. Not happening. Not here, or anywhere else that took this neoliberal approach.