That's an is/ought fallacy.

Most people don't want to be their own builder. All of society is set up in the US to prevent people who want a home from building their own, from the permitting to the financing to the actual contracting. Except for the very wealthy.

A good chunk of people, perhaps most, want a house close to jobs and shops and schools and parks and museums and all those sorts of amenities.

Specialization into the very difficulty job of designing, permitting, and constructing housing makes sense. Not only is it a difficult job requiring tons of knowledge that a random person neither cares about nor needs to know about, specialized builders are far far far more efficient at building housing, and getting more housing completed for less money.

I didn't presuppose that housing should be built based on ROI, it just is that way, due to the realities of housing construction. I do think we need a public builder, modeled specifically after Finland's housing builder, as they have figured out some really great ways. Such a public builder has several economic advantages: provides a competitive floor for the private for-profit builders, and perhaps just as importantly a public builder can operate during the bottom of the economic cycle, employing construction workers through the downturn and providing much needed housing through the downturn thereby shortening the economic downturn.