It is possible to live quite comfortably in SL without owning any land. There are lots of free REZZing locations in SL that will allow you to razz objects or a home or shelter at that location for varying lengths of time. I created this Homeless Shelter to make that easier.
Red triangle buttons rotate through landmarks to Rezz Locations.
White body: Click on it to teleport to the location displayed. Fly or hover before teleporting so you will stay flying when you arrive.
Green Button: click on it to display menu of various homeless shelters or work platforms or vehicles you can razz for your use.
Black Button: Click to delete the object razzed.