All that said, if they had the bandwidth to put more than 20% down, and sink $95k into fixing up the place, my sense is they do have a chunk of assets they can lean on behind the scenes. But long-term planning is probably not looking good, so they are fleeing to canada for le socialism thinking they'll be treated to a wealth of free healthcare and eventually Canada's old age security program. But if Canada keeps on its trend
economically, they might have to get lucky just to obtain discounted MAID.