https://www.theglobeandmail.com/business/article-osfi-mortgages-banks-borrowers/
REALLY WHEN I THONK ABOUT IT…
You DON’T even need to put this into practice…
REALISTICALLY…
HOUSE PRICES ARE IN THE $500K & ABOVE THESE DAYS…
Which means a $100K salary or below which in many cases are the majority of what I now call poverty income earners….
REMAIN SHIT OUT OF LUCK & HOMELESS…
WAY AROUND IS FUCK THE BANKS…
GO WITH PRIVATE CONTRACTS & MORTGAGES…
ALL NON DISCLOSURE CONDITIONS AND FREE MARKET…
LEAVES YOU BEHIND 8 BALLS AND BALL LESS TOO LATE
JUST HOT AIR TRYING TO FLY A HOT AIR GHOST BALLOON
BTW – KEEP IT UP…
I’M HAVING A HELL OF A GOOD TIME ROFL IN STITCHES
Live~NRGY 
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