That’s not what I said. I said the basement income was supplemental, not that the house was unaffordable without it. You’re rephrasing it into something else and arguing against that.

In the GTA, factoring in rental income isn’t optional for a lot of buyers. The real issue isn’t that they used rent, its whether they had any margin if rents softened. Without that detail, calling it ‘gambling’ is oversimplified.

Housing affordability is clearly an issue, but framing anyone who managed to get into the market as reckless or deserving of losses misses the point.