Almost there. So the “value” provided by the owner is money. It is capital. Which is needed purely because of the system in place, that was the whole point all along.

In almost all cases, the owner does not build the house. Thats done by the masons, electricians, plumbers etc … So the owner did not create value

This is not capitalism, this is a market based system, which can happen to exist outside of capitalism.

Capitalism is is the ownership of value by capital ( property of shares, housing etc… gives you benefits because you own them, not because you provided value).