u/sincerely-wtf

I'm struggling to find information about whether this is actually possible. I live in a LCOL area in Ontario and housing prices are starting to come down, but my rent is currently 1900 + all utilities per month (3rd year of lease). I make 6 figures with permanent employment but I have a consumer proposal with 15k left on it. Currently the sole income earner so I'm covering all of the bills right now but my spouse is actively looking for work. We had intended to pay off the proposal by year end, but with the job loss, our plans are set back by another 1-2 years unless I can swing it on my own.

Decent starter homes in my area can run from 150-200k, so potentially cheaper than rent even with a subprime mortgage, and we already have 20-30 percent down. Am I delusional to think that I could find a subprime lender who would be willing to extend a relatively small mortgage (125k) + pay out the consumer proposal at closing? I've seen online that it is theoretical possible but struggling to find more information. Thank you in advance.

Ranting/bitching a bit here. Myself (29F) and my husband (27M) both have a lot of health issues and I'm just so aggravated about it, because something always comes up and pushes the goalposts.

I'm diabetic, finally got my glucose levels under control and then I find out I need to do some medically necessary surgeries (unrelated to diabetes) later in the year so probably wouldn't be able to TTC until at the absolute earliest spring 2027.

My husband has a whole slew of issues including high BP and cholesterol. He's taking his meds and those seem to be working but we just found out about the low T and ED, which he hasn't started treatment for yet. So we can't even get to babymaking even if we decided to just go ahead.

I'm currently just so mad and upset with myself about all of this. The goalposts keep moving since there's one issue after another. I want to just get my IUD removed, we haven't been able to have sex anyway for months because of the ED, so not like I can get pregnant anyway. I got the IUD following an abortion a few years ago, so maybe that's why I'm mad at the IUD too ugh. Lots of feelings. I'm pissed. I have a good career, we're financially stable, married almost a year and we're going strong, but there's always some excuse to not be ready. Like, the health issues ARE legitimate but yknow? Time and health are just not on my side it seems, so the longer this takes, the more cursed I feel or some crap. I've always just wanted a family and I can't have one!!!! This feels like torture. Idek what to do with myself anymore.

Kinda rant, kinda advice... I'm using the freestyle libre 2.

Any advice on what I can do here? I have placed the sensor on the back of my arm, no chance of compression lows. My CGM says my numbers have improved drastically and that I'm sitting at 96 fasting 12+ hours right now. But my BGM says 130.

I know there's lag time but I'm so frustrated because I've been just using the CGM since I got it last fall. I started comparing with my BGM a couple of days ago and it's consistently higher. I started on insulin in the fall so this also makes me realize that I haven't been taking enough insulin the whole time. No wonder my A1C hasn't budged 😭