It was Prime Minister Justin Trudeau who said "young people aren't facing a housing problem, they're facing a housing crisis." The red hot real estate market has seen growth at a record pace, and many young and first-time buyers have found themselves priced out of buying a home. To address that, the government recently made changes to the mortgage stress test. We take a look at the test, and many of the issues facing those who are trying to buy a home in this market.