There are a lot of things that can prevent you from investing in the house of your dreams. Leading the pack is financial capacity. Not all people can instantly secure a property to invest in since we all know how hard it is to save and survive in the world today.
Loans can help, but for sure, it will be the same thing and you may eventually end up paying more due to interest. And to top it all off, you have to make sure you religiously pay for your monthly amortization. With that in mind, you just have to either bite the bullet or leave them as dreams.