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Yet you gave the example of food being cheap which has regulations. It's cheap because it is subsidized. Farmers aren't the only industry with lobbiests.
We killed the existing land owners so there was a surplus of land.
https://en.m.wikipedia.org/wiki/Housing_Act_of_1949 (required cheap housing to be built to replace any cheap housing torn down.)
The only barrier is the people who vote. If a community votes against a developer, that's their constitutional right. Which is why I said the supply is the problem. Giving more money to renters does not change the supply. If more housing was built, the price would go down and ubi wouldn't be needed.