The average home price in Metro Vancouver hit nearly $1.2 million, making it difficult for many Canadians to afford homeownership. Roughly one-third of Canadians rent, and in urban centers like Vancouver, Toronto, and Montreal, about half of all residents are tenants. Rental prices in Vancouver and Toronto increased by more than 20 percent compared to a year ago, making it challenging for renters to save for a down payment. The vacancy rate in Toronto and Vancouver is at 1.4 and 1.2 percent respectively, indicating a shortage of available rental units. Renters, in general, earn about half of what home owners do, and the income disparity between the two groups is widening. Many rental buildings are reaching the end of their lives, further limiting the availability of rental housing. Countries like Germany, Switzerland, and Austria have successful rental housing models, where renting is not stigmatized and is considered a viable long-term option. can you specify the type of evidence used for .each bullet point? for example personal experience, , analogy, expert opinion, etc.)