feat: Implement Phase 4 dbt model restructuring

Create neighbourhood-centric dbt transformation layer:

Staging (5 models):
- stg_toronto__neighbourhoods - Neighbourhood dimension
- stg_toronto__census - Census demographics
- stg_toronto__crime - Crime statistics
- stg_toronto__amenities - Amenity counts
- stg_cmhc__zone_crosswalk - Zone-to-neighbourhood weights

Intermediate (5 models):
- int_neighbourhood__demographics - Combined census with quintiles
- int_neighbourhood__housing - Housing + affordability indicators
- int_neighbourhood__crime_summary - Aggregated crime with YoY
- int_neighbourhood__amenity_scores - Per-capita amenity metrics
- int_rentals__neighbourhood_allocated - CMHC via area weights

Marts (5 models):
- mart_neighbourhood_overview - Composite livability score
- mart_neighbourhood_housing - Affordability index
- mart_neighbourhood_safety - Crime rates per 100K
- mart_neighbourhood_demographics - Income/age indices
- mart_neighbourhood_amenities - Amenity index

Closes #60, #61, #62, #63

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

dbt/models/marts/mart_neighbourhood_housing.sql

@@ -0,0 +1,93 @@
+-- Mart: Neighbourhood Housing Analysis
+-- Dashboard Tab: Housing
+-- Grain: One row per neighbourhood per year
+
+with housing as (
+    select * from {{ ref('int_neighbourhood__housing') }}
+),
+
+rentals as (
+    select * from {{ ref('int_rentals__neighbourhood_allocated') }}
+),
+
+demographics as (
+    select * from {{ ref('int_neighbourhood__demographics') }}
+),
+
+-- Add year-over-year rent changes
+with_yoy as (
+    select
+        h.*,
+        r.avg_rent_bachelor,
+        r.avg_rent_1bed,
+        r.avg_rent_3bed,
+        r.total_rental_units,
+        d.income_quintile,
+
+        -- Previous year rent for YoY calculation
+        lag(h.avg_rent_2bed, 1) over (
+            partition by h.neighbourhood_id
+            order by h.year
+        ) as prev_year_rent_2bed
+
+    from housing h
+    left join rentals r
+        on h.neighbourhood_id = r.neighbourhood_id
+        and h.year = r.year
+    left join demographics d
+        on h.neighbourhood_id = d.neighbourhood_id
+        and h.year = d.census_year
+),
+
+final as (
+    select
+        neighbourhood_id,
+        neighbourhood_name,
+        geometry,
+        year,
+
+        -- Tenure mix
+        pct_owner_occupied,
+        pct_renter_occupied,
+
+        -- Housing values
+        average_dwelling_value,
+        median_household_income,
+
+        -- Rental metrics
+        avg_rent_bachelor,
+        avg_rent_1bed,
+        avg_rent_2bed,
+        avg_rent_3bed,
+        vacancy_rate,
+        total_rental_units,
+
+        -- Affordability
+        rent_to_income_pct,
+        is_affordable,
+
+        -- Affordability index (100 = city average)
+        round(
+            rent_to_income_pct / nullif(
+                avg(rent_to_income_pct) over (partition by year),
+                0
+            ) * 100,
+            1
+        ) as affordability_index,
+
+        -- Year-over-year rent change
+        case
+            when prev_year_rent_2bed > 0
+            then round(
+                (avg_rent_2bed - prev_year_rent_2bed) / prev_year_rent_2bed * 100,
+                2
+            )
+            else null
+        end as rent_yoy_change_pct,
+
+        income_quintile
+
+    from with_yoy
+)
+
+select * from final