This is the first installment of Priced Out, a three-part series looking at housing affordability challenges facing young people in Canada.Paddy Treacy calls himself and his fiance “dinks,” short for “dual income, no kids.” At 29, the Toronto-based small-business owner runs a restaurant-servicing company, which, before the COVID-19 pandemic, was the source of half of the couple’s annual income of around $150,000.But despite having two solid paycheques and few significant financial outlays for years, Treacy and his partner lack what is increasingly a prerequisite for homeownership in Canada: a generous loan or gift from the bank of mom and dad, also known as BOMAD.