Yes, you need a team, however you can't just assemble people together and call it a team. 

I do know one of the people who works for me has a 2 year work permit (temporary) and she and her husband were able to buy a place in Alberta.BC and ON are very tenant friendly.

Get people financially educated and let them buy their own houses.

All else being equal, lower mortgage rates reduce the cost of ownership and, thereby, allow more people to afford to buy.

Quote from @Eliott Elias: People don't take action.

Now let's say one or both people making the purchase owned a condo previously where they roll over the proceeds/equity into the new purchase and put 40% down.

I think other people seeing makes me feel accountable to post along with having it written out.

The list of people who helped me - took a risk on me, taught me what they knew, showed me an example of what not to do, gave me their time, believed in me, and even those who questioned me, broke contracts with me, owed me money - is innumerable, and I'm grateful to every one of them.Today was an exciting day, and there will be more like it in the months ahead!

So infilling an income gap via people who can disappear just as easily as appear seems short sighted to me. 

The 15-20 year run people had is gone, so be VERY careful with listening to some of these "real estate gurus." 7.