I've often wondered if a common practice in Asia could work here. I've seen in Japan and South Korea apartments charing $10,000 - $30,000 for a deposit. The monthly rent is much lower. Once you pay off your deposit loan, you then either get to enjoy cheaper rent or you can purchase a home with the money you've saved up. My sister lived in South Korea for a few years and came home with a ton of money saved up and was able to buy a condo for cash. All while getting a pretty modest paycheck.
I don't know if it's laws there requiring this or if it's laws here preventing it or just a cultural thing but I'd love to see that happening here.