NEW YORK | Ever since graduating from high school, Tyler Jones hasn’t stopped working and doesn’t have any debt. Still, homeownership feels like an unattainable goal, only possible for past generations. “Every time I get a paycheck, it’s all already spoken for,” said Jones, a 21-year-old who works at a deli and a nonprofit in Springfield, Massachusetts. Being a homeowner is one of Jones’ dreams, and his inability to save for it frustrates him. C…