Googling, most real estate mutual funds invest in REITs but some invest in large property owners (like the companies that own malls or office buildings). I imagine one that invests in home builders like Toll Brothers and KB Homes, as well as suppliers like lumber companies but I don’t know if anyone does that.
There are a couple of home builder ETFs:
And probably a few mutuals with residential construction concentrations, like:
Update:
While looking at non-resident mortgages in Spain, I found out some of the conditions (for Santander):
30% down minimum. (Oh No!)
have your last 3 paychecks deposited in a Santander account (this is fine)
pay 10% in purchase taxes (Oh No!)
This means that for an affordable 200,000 euros apartment, we would need 60k + 20k = 80k in cash. a smidge over 40%. Double the 20% I was hoping for.