What is the ruling on mortgaging homes with the addition of a nominal rental value (legal stratagem) due to the high cost of rent and the difficulty of securing housing with minimum wages?

"Pledging the house while the pledgor benefits from it in exchange for a loan to the pledgee is impermissible (haram), because it is a loan that draws benefit, and every loan that draws benefit is usury (riba). The symbolic amount mentioned does not remove the matter from the realm of usury, because the benefit is still gained by the pledgor through the reduction in the remaining rent in exchange for lending a sum to the homeowner."