Adrian S. is 40 years old and lives in Winnipeg. He has an income of $53,000, a car loan and small line of credit. Unfortunately, under the new mortgage rules, he can’t qualify for a $180,000 condo.  His parents can’t help because they are retired and live on fixed incomes. Under the older rules, his mortgage payments would be lower than his rent.  Now, he’s totally knocked out of the market.