One can have a home whenever they are (even in a car). A house is but a dwelling place. We could call them the 'apartmentless', or the 'motelless'... or the 'cardboard box-less'?
Not everyone has a home, even people with houses. There was a time in my life when I had a roof over my head, but the things that were going on there definitely did not make it a home atmosphere.
My point exactly. I know some so-called "homeless" who have a wonderful "home", yet they have no place to live (not even a car). So technically they're not homeless, but house-less.