These are mutually exclusive actions.

Our median house price is now >$700k https://www.cbc.ca/news/canada...

In the end, I feel like people just try to justify to themselves why they won't take any action to better their position.

You just need to run the scenario through your head and figure out what would the actions/reactions be. 

I am not trying to profit off this, but my time is valuable (~1hr of work+travel) and all actions have consequences  - I want the tenant to understand this.

Great news!!!

This article was announced on WGN-TV Ch 9 News regarding assistance for Renters and Landlords:https://wgntv.com/news/chicago... 

Sorry, I wish I had better news for you.

The good news is there should be products still out there. 

LIEN AUS ORIG TERM REM TERM Loan Age Orig Rate RATE Current Payment PITI Has Escrow Acct Current FICO FICO DATE Orig FICO ORIG LTV ORIG CLTV CURR LTV FE DTI BE DTI OCC TYPE PROP TYPE # UNITS LOAN PURP Refi Type DOC TYPE QM FLAG Modification Flag Last Modification Date Channel APPRAISAL / BPO / AVM APPRAISAL / BPO / AVM DATE SALES PRICE ORIGINATION DATE FIRST PAY DATE PAID THRU DATE NEXT PAY DATE MATURITY DATE First Rate Change Date ARM INDEX ARM MARGIN First Period Change First Rate Adj Cap Subsequent Rate Cap Life Cap Floor Rate MI FLAG MI COVERAGE % MI PROVIDER LOAN STATUS BK Chapter BK Filing Date BK Post Petition Due Date Foreclosure Date Referred Foreclosure First Legal Action Foreclosure Judgment Entered Date Foreclosure Scheduled Foreclosure Sale Date PAY STRING Days Delinquent Payments Latest Month Payments Last 3 Months Payments Last 6 Months Payments Last 12 Months Notes COVID Inquiry Date COVID Inquiry Description Forbearance Flag Forbearance Agreement Date Forbearance Non-Pay Start Date Forbearance Non-Pay End Date COVID Opt Out Request Date