I can somewhat speak to VanCity rental costs, but I certainly can't speak to Toronto rental costs - are you sure? Given the projected absence of equity gain in housing for both cities, are you sure you can't find a (better/preferred) rental option to meet the needs of an extended family? Only asking in terms of wondering, generally, just how long you envision working; as in wanting to versus needing to?
I will have to work at least 15 years, I think. Rental is a terrible situation, worse than buying. Premier Dougie just helped 'the people' by removing another layer of rent control.