Comment by pj_mukh

Agreed with all of this but,

"cost of an apartment needs to be at-or-below the cost to build that apartment"

That's not true, its that the cost to build the apartment is far too high and the cost is totally passed on to a the public, thereby hovering up any disposable income that might go towards having a child.

There can be a profit margin, but the cost needs to be low.