This. My wife and I, as a household unit, are apparently top 7-8% in terms of yearly earnings. 3-4 bedroom houses are out of our reasonable budget in Montreal and surroundings. Some people have told me I'd qualify for a duplex and could just live in the first and rent out the second unit, but I'm not interested at all in contributing to this trend of increasingly commodifying access to housing. I'd buy close to town, but with the current market and rates, the payments would be insanely high. So I could maybe buy super far from town, but then I'm putting all my faith into being able to work mostly remotely forever, as most jobs in both of our fields are either in or around Montreal.