Its not that we allow it it just happens and noone can say anything about it even though its wrong
A. Civil rights
b. constitutional rights and
c. Legal rights
The answer is: Mischa needs to find a down Payment to become eligible for a mortgage.
If you want to get a mortgage for a house, take into account that it will a life change moment. You will start paying for several years.
But in order to get a mortgage is really necessary to have a good credit history and make a down payment beforehand.
Southern land owners replaced it with sharecropping.