So, if you start at 30 years, who's going to bear the cost of someone chaining the title for every piece of property in the US?

Think of the old saying that you don't need to be faster than the bear, you only need to be faster than the other guy. 

Also bear in mind @Limor Hanannia that if the IRS thinks you're running a business within your SDIRA or Solo 401k you will be taxed on UBIT for that as well which scales up to 37% so it can be quite hefty. 

I would do a loan with as little as 3% down and leave the rest of the cash in an interest bearing saving account

Also, the inflationary effect of UBI would in the end negate the impact, especially for the middle class who would bear the brunt of the tax burden, further weakening economic equality and widening the economic gap.  

A more meaningful question would be - are you prepared for the next recession? 

So don´t let it discourage you from buying - just bear in mind the actual cost to get water turned on could be 10 times higher than the lien they put on it, especially if that lien date is 12+ months ago.  

I dont know what runs behind the drywall and if its load-bearing. 

@Nathan G. is smarter than the average bear with his first answer. 

I would also recommend having an interest bearing Savings Account just in case you need cash for a rainy day.