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> It's possible to have housing with shared bathrooms and kitchens

This used to be very popular 100 years ago. You could rent a room in a “boarding house” with shared bath and kitchen. I don’t know why that model failed and no longer exists.

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I haven't been in SF in many years, but at least 15 years ago there were still loads of SRO (single-room occupancy) hotels that people lived in long-term. Typically you'd get a private room with a sink, a block of bathrooms per floor, and no kitchen facilities. Some of these hotels were straight-up crackhouses, but others were clean and peaceful places for people with very little money to live.

Sounds a lot like the informal roommates agreement where one of them is secretly the owner.

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