Well, I can’t summarize all the possible alternatives, because I don’t realistically know all of them or all their pros and cons. Certainly one of them is communal-style state-owned housing. Another would be the more free-for-all style you describe, with an emphasis on mutual aid, I’d imagine. That’s probably the one I’d go for, because I tend to think the state is generally an oppressive force. Ultimately though our idea of private ownership of land would probably have to go out the window.

You should check out Pyotr Kropotkin’s chapter in The Conquest of Bread on Dwellings, really good book overall: http://dwardmac.pitzer.edu/Anarchist_Archives/kropotkin/conquest/ch6.html