Thought exercise:

Hypothetical low-skill man has a dark past, but has turned his life around completely. He works 3 jobs. He makes $15/hr at each. Because of his education, dark past, and skill, he might make 1-3% more each year. He works 90 hours total each week. Total income before taxes is $5400/month. His wife stays home and homeschools their two young children. They live with her parents, but that needs to end soon.

See if you can get them in their own home, saving money for the future, with a present father.