Photos by Krista Husa Interior motives: When the home is your own, you're free to self-express. LINDA BACHRACK Special to The Jewish News Call it "Friends" phobia or "Seinfeld" angst: Young adults in the Detroit area are scrambling to own a little place they can call home. 1/30 1998 80 hose "Friends" seem to • have very little privacy. With their openTcloor policy and occasional .neighbors from hell, Monica and the gang often appear to long for a bit, of solitude. And what about poOr, misunder- stood Kramer? He's forted to consult the sup6r for permission to make the tiniest home improvement, like revers- ing his peephole! Of course, he per- sonifies the bane of the apartment dweller: forever barging into Jerry's place unannounced, mooching food and crashing on the couch. As carefree as apartment living may seem on TV, the lure of privacy and ownership has local twenty- and thir- tysomethings craving a:driveway to shovel and a patch of grass to mow. Allyson Cohen knows the feeling. A financial consultant, she and her hus- band, Doug, planned on using their wedding gift checks to make a down- payment on a house when they mar- ried two years ago. Some pre-nuptial debt, however, forced them to put home ownership on hold. There are a few advantages to rent- ing, says Cohen. "When the furnace broke, we didn't shiver for a couple of days waiting for someone to come out and fix it. It was fixed immediately, and we didn't have to foot the bill." However, the walls are thin, the neighbors are screamers and the rent payment equals a mortgage payment. The Cohens plan to buy a house this spring in Farmington Hills. Marc Rosenblatt was 24 when he bought his first home. "I hated throw- ing money away on rent," he says, and with a 3 percent FHA loan and a