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Be poor. At least in California, Habitat for Humanity as well as several counties offer BMR (Below Market Rate) housing for people and families just scraping by. The way it works is you purchase the house a certain percentage below market rate, and when you sell, it also has to be a certain percentage below market rate.

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If you sell for the same percentage BMR that you bought, the investment attributes remain unchanged. It's all proportional.

Different places may do it differently, but SF bases it off of a cap for the monthly payment for the mortgage. As interest rates went up this forced the price lower and some people had to sell at a loss.

Roughly its monthly payment => a third of 90-110% of AMI.

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