Kate Forbes urged to prioritise affordable housing in letter from 32 housing organisations, charities and support groups.
STV News speaks to first-time buyers, estate agents and property experts to gauge the temperature of the housing market.
Living Rent said holiday lets are now being offered as long-term rentals at ‘significantly below’ the market average.
The move was confirmed by communities secretary Aileen Campbell in the Scottish Parliament.
Around 28% - estimated as the equivalent of 456,400 households - have fears about paying their rent or mortgage during 2020.
Citizens Advice Scotland is urging the Scottish Government to more than double its funding.