Lot's of good information for you to consume here to get started.

Okay good, commercial so no consumer issues. 

I would love to have her read some of the books I have read or watch the videos but it isn't her passion like it is mine and her time is also very limited with her career and she understandable wants to enjoy her down time and not be consumed with more "work" in her mind.

You also have 4 major banks in Canada that are heavily regulated unlike in the U.S where there are dozens, upon dozens of banks and options to consumers.

We are trying to think outside the box with postcards, yellow letters and randomly driving around looking for vacant run-down properties but that is time consuming and not terribly productive to date. 

From the California Tenants—A Guide to Residential Tenants’ and Landlords’ Rights and Responsibilities written by the Department of Consumer Affairs’ Legal Affairs Division:Late fees and dishonored check fees A rental agreement cannot include a predetermined late fee.

If more are people are added to put out the same supply '' for example:  push paper around  (like state and federal regulations) , there is nothing tangible to buy for their effortsWhat is an economy worth if it does not produce something you (the consumer or business) want are ready pay for?

Consumers are actually pushing back against a lot of the automation -- for example we now have the ability to bypass asking you for any bank statements at all.

After consuming every piece of info I can get my hands on, I think I’ve got my strategy figured out.

Build good credit, pay down consumer debt, increase savings as much as feasible.