It can be sort of both. What you need is more housing built at affordable prices. But dont oberbuild. In that situation housing should act as store of value to avoid inflation loss, but not something that you get rich buy borrowing and buying up dozens.

You need socialism to do this efficiently. There isn't room for a profiteer. You need the government to invest (in the for people sense) in allocating land and building housing. Ideally dense housing.