Bbloff US have a sort of negative gearing where all interest payments made on your residence are tax deductable !!! I really can't comment on median prices in toronto as I don't know the size or the type of houses the land size or if they include apartments Micheal but I suppose when one wants to grandstand against the so called Bulls don't let facts get in the way of fiction, as I am sure you ust google some fact to suit what ever you say and didn't do an in depth analysis