Glad to hear no offense given. :)

shouldn't be able to

Does that mean an authority would have to exist to prevent people from doing so or would this just be a culturally reinforced social norm (i.e no violence or coercion needed to enforce it)?

you wouldn't pay a mortgage

So is everything purchased with cash or are we imagining the abolishment of money as well? If so, I have trouble figuring out a mechanism for determining value within the chaos that is human existence. Scarcity appears to me to require a mechanism for distribution beyond whoever is willing to use violence more than the other guy. Economic freedom through voluntary exchange of value seems to be the best thing we have going so far for increasing human well-being in these situations.

What about those who can not afford to build a home themselves or purchase it directly with cash (or some other equivalent if we're talking about a gift-based economy or some similar setup)? Do they just... go homeless? I get how problematic slumlords can be, but I also think a landlord can provide a valuable service (again, by taking on risk which I believe has value -- I'd love your thoughts on that) to someone who couldn't otherwise afford a long term commitment to a single geography or the risks involved with home ownership.

Maybe I'm completely indoctrinated with capitalist thinking because of my pro-capitalist, Western upbringing... I'm open to that, but I'd still want to see more solutions for improving human well-being if I'm going to throw out private property (and, potentially, money with it).