United Kingdom
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Ah, you should have started with "landlord bad landlord not work", would've saved me a lot of wasted time in replying to you.
And let me guess - no landlords means no homelessness and no housing crisis anywhere
Landlords are one of the many factors which restrict access to housing. The sheer complexity of purchase is another major factor.
But again, if you can afford to lose the money then you're probably not the problem. The main problem, in the UK, is landlords on buy-to-let mortgages who cannot afford to lose.
If the bank is already willing to loan money on the property, and rent must be higher than the mortgage payment as a condition on that loan, then all that happens is housing becomes more expensive.