First, it may not be 95 and 5 percent. Second, thats not whats asserted by “Finland ends homelessness.” The assertion is that homelessness doesn’t exist there. So it seems like these cases are unaccounted for.
I feel it’s like how employment statistics don’t include people not looking for work… if all the people who want housing get it, then homelessness has been eliminated. Someone who has a house but chooses not to live in it isn’t homeless.