I'm looking for a lender to use common sense and see I can afford a modest loan to purchase and occupy a house when I have a consistent triple digit income.

In my area , if its on your property you can dig it up .  

http://store.keithyackey.com/sample-digital-product-p1.php

In the Central Valley, the summer temps routinely climb into the triple digits. 

The primary concern for Portland with current residents, and relocating clients is our double digit value increase in 2013.  

Because I know that houses are more expensive in general in canada even after accounting for the currency exchangeAnd in your experience (how ever much that is) have you ever seen a fourplex for $100,000 to $150,000 in canada anywhere?

If its my 1.5 milly, I'm targeting IRR deals north of 17% IRR, run by professional proven sponsors, diverse assets, metros, 50-100K per deal, cash on cash criteria double digits.

Individually metered, separate propane, separate septic and built as an "aging in place" home with Digital Health installed by Grandcare™.

We can send it to you if you’d like.Purchase: $80k-$130kRent: $1200-$1500ROI: Double DigitCash flow: couple hundred/monthAppreciation: Double digit (for past 10 years, will gladly send data)Location: C, B- (suburbs and certain markets)We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare and Auto industries.

What do you (not actually you, @Eric V Harding, the collective "you") think they did in the 80's when interest rates were in the double digits, just stop investing?