My husband works for a small family owned business  in Baltimore that owns and manages housing. After my husband was hired years ago, who is now due to retire this year, the only ones he has hired are men from Guatemala. He’s got three of them that work for him. They’re all married, their wives don’t work and they have 3 to 4 children each. They make considerably less than what my husband makes yet one of them just got a loan for $250,000. He won’t mention how or where he got it. They don’t own they rent (from the boss, that only charges them half the normal amount) and yet every year they get back all the child  income credit so $6000. To $8000 . back in Taxes every year.