Its easier to complain and throw your hands up. Is it harder now to afford a home? Yes

But if you're willing to buy a crappy house and fix it up then there are still options. We bought the most broken house in the fastest growing city with one of the craziest housing markets (even the californian investors, and fix and flippers passed on it after going under contract and doing their inspections).

Now it makes us money, but it was 2 years of "work" before it was livable. Where there's a will there's a way