Easy. Have a middle-class level home that has a value less than $100k.
Goodluck finding that shit now.
My parents house, which is basically the same quality as mine cost them $33,000 back in 1980. My mom immediately said "I know, I should have bought two right?" after she told me that. My parents paid off the mortgage in like 7 years or something. The bank tried to talk them out of it.
You know when you read those mortgage advice things that say stuff like "You save so much on your taxes by owning instead of renting because you can deduct your mortgage!" and "Pay one extra mortgage payment a year and you'll pay your house off 12 years early!" Those statements are lies, but they used to be true and the mortgage and real estate industry likes it when people buy houses so they keep saying them.
You see, you deduct your mortgage
interest and back then the payment had a lot of interest and a lot less principal. So that deduction really added up even on a basic house. And when you paid one mortgage payment toward your principal, it actually put a good dent in the principal, because there wasn't that much of it to begin with!
I calculated, actually calculated, what I saved on taxes when I first bought my house with its massive principal. Once I subtracted the savings from the standard deductible off when I first bought my house ($200,000 mortgage, $250,000 house) I saved a whopping $800 a year. I spent far more than that on maintenance and repairs every single year. And that was the first year, the number goes down after that. Eventually I just ended up taking the standard deductible and that's
before Trump boosted that way up. I haven't looked but I bet a reasonably priced house never saves you any money in taxes now.
The only time the mortgage deductible makes a big difference is if you buy a mansion or your house is really expensive. So basically its a tax break for wealthy people.