Late Stage Capitalism
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Introduction to Socialism (external links)
Marxism-Leninism Study Guide: Basic Course
Marxism-Leninism Study Guide: Advanced Course
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Yes those are problems, but they lie in different areas. For example in US at will employment should be abolished and we desperately need better worker protection laws.
There were also regulations that caused price of property to be higher (for example a lot of restrictions showing down building new houses)
But anyway purchasing house historically was usually the biggest purchase most people made in their lives, so not everyone couple purchase it out of pocket. Mortgage allowed many of them to afford a house.