One way of acquiring affordable housing is working together with other people. Let’s say six groups of three workers agree to build their homes together. They could divide into teams based on interests and skill level.
Team 1: Site preparation and excavation
Team 2: Earthbag foundation
Team 3: Lower walls
Team 4: Upper walls
Team 5: Bond beam
Team 6: Roof
This system is designed so all the houses are built at the same time. When team 1 finishes the site prep and excavation on the last house (sixth), they could start over on the first house working on doors, windows, plaster, etc.
This plan is just a suggestion. There are many possibilities. You could have more or fewer teams. Team sizes could vary. You could have fewer people and all work together.
In an ideal scenario without codes, many of the materials could be free – recycled, salvaged, bartered, locally found materials – enabling you to build mortgage-free. The end result would be sturdy, low cost nice homes and a strong sense of community where everyone’s houses are paid off.