Real Estate Investing Morning Show ( REI Investment in Canada )

🎧 Why Real Estate Investors Fail: Knowledge vs Discipline Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode dives into one of the most important questions for investors: do more people fail because of a lack of knowledge or a lack of discipline? Wayne and Gabby share real-life stories, lessons from their own portfolio, and why boring, cash-flowing properties are the real key to long-term success. 🧠 What You'll Learn in This Episode Why knowledge outweighs discipline in determining investor success How “boring” rental properties create real wealth and peace of mind The dangers of chasing flashy deals, risky schemes, and untested strategies Why quarterly inspections are essential for managing small repairs before they become costly problems How the 5% Rule™ protects you from the unknowns of real estate (interest rates, vacancies, repairs) Why focusing on cash flow and sustainability beats speculation every time 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 15 Common Joint Venture Partner Questions Answered Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode is a deep dive into one of the most important topics in real estate investing: joint ventures. Wayne and Gabby walk through 15 of the most common questions that money partners will ask before entering into a 50/50 joint venture. From ownership structure to exit strategies, you’ll hear the exact questions investors should be ready to answer—and the ones money partners need to ask to protect their investment. 🧠 What You'll Learn in This Episode Why partnerships are essential even for experienced investors The standard 50/50 joint venture structure and how profits are split Roles of the money partner vs. the managing partner The importance of reserve funds and how cash calls are handled How joint venture agreements protect both parties What returns you can reasonably expect and why guarantees are unrealistic The power of systems, experience, and having the right power team Exit strategies: why 10 years is the minimum timeline for success 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Evictions, Overholding Tenants & Building JV Trust Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Broadcasting live from Hawaii, Wayne and Gabby share how real estate investing has created the freedom to travel while still running their business and coaching every day. In this episode, they break down the eviction process for substantial breaches in Alberta, address common fears about overholding tenants, and share how to build long-term trust with joint venture partners. They also celebrate huge wins from REI Masters students who are taking massive action across Canada. 🧠 What You'll Learn in This Episode Why Alberta remains one of the best places to invest for landlords How the eviction process for substantial breaches actually works in Alberta The truth about overholding tenants and why it’s much rarer than people fear How a properly managed reserve fund protects you from risk Why tenant screening and systems reduce eviction risk significantly The importance of focusing on trust instead of trying to “convince” JV partners A proven five-year perspective for building influence and credibility Success stories from REI Masters students closing deals and scaling portfolios right now 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Is Edmonton’s Rental Market Softening? + Knowing When to Build Your Team Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Live from Hawaii, Wayne and Gabby dig deep into today’s most important real estate investor questions. They tackle whether the Edmonton rental market is really softening, how to make smart decisions about refinancing vs. selling vs. holding, and the critical point when you should stop doing everything yourself and start building a team. 🧠 What You'll Learn in This Episode What to do if you buy a property without move-in inspection documentation Practical tips to protect yourself and tenants in that situation Why relying on vacancy rate stats can be misleading How to analyze the Edmonton rental market the right way When to refinance, sell, or hold an investment property The true test for knowing when your time is worth more than $500/hour Why doing everything yourself is valuable early on — and when to delegate How scaling a real estate business changes profit margins and responsibility 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Do You Really Need an Investor-Focused Realtor to Sell? + Tenant Dispute Lessons Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today Wayne and Gabby dig into two big real estate questions that don’t get enough attention. First: is it just as important to use an investor-focused realtor when selling your property as it is when buying? Most investors assume it only matters on the acquisition side, but the discussion shows why it can make or break your sale. Second: a listener shares a challenging tenant saga involving threats, overholding, and questions about inspections, deposits, and illegal suites. Wayne and Gabby break down how to handle these sticky landlord-tenant issues the right way. 🧠 What You'll Learn in This Episode Why selling with an investor-focused realtor is often overlooked—but critical The difference in how homebuyers and investors perceive “value” in a property How investor-focused realtors market and negotiate differently to attract top-dollar buyers The added benefit of investor realtors who understand tenancy laws and tenant management during a sale Why listings must be written in investor language (cash flow, tenants in place) vs. homeowner language (sunlit kitchens, open concept) How to manage tenant disputes around deposits, inspections, and damages What happens if tenants refuse to sign a move-out inspection in Alberta Liability risks when tenants overhold and a new lease is signed The process if an illegal suite is reported to AHS—even years later Why proper screening, documentation, and trusting your gut are key defenses for landlords 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Unlocking Equity to Buy More Rental Properties | Ending Joint Ventures the Right Way Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Wayne and Gabby broadcast live from Kauai to tackle two of the biggest opportunities (and challenges) investors face: wrapping up a joint venture when one partner wants to keep the property, and unlocking the hidden equity in your home to buy more rental properties. This episode shows how equity isn’t just sitting there — it can be the key to building wealth, buying multiple rentals, and creating long-term financial security. Whether you’re negotiating a JV exit or exploring how to responsibly leverage your mortgage-free home, Wayne and Gabby break down exactly how Canadian investors can move forward with confidence. 🧠 What You'll Learn in This Episode How to fairly buy out a joint venture partner without overpaying Why appraisals, comps, and realtor fees should always be part of buyout negotiations Creative alternatives to refinancing, like replacing a partner with a new JV The true power of equity: how a paid-off home can be turned into multiple cash-flowing rentals Different ways to access equity safely (mortgages vs. HELOCs) Simple math that shows why tenants pay down debt while you build wealth Tips for getting your spouse or partner comfortable with “going back into debt” How the 5% Rule™ and investing fundamentals keep you safe even when leveraging Why real estate offers a unique chance to double capital compared to other asset classes Inspiring stories of Canadians who used equity to transform their financial future 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Listener Q&A: Legal Basement Suites, Converting Homes to Rentals & Investor Mindset Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode takes a fun Friday turn as Wayne and Gabby mix in personal stories, live banter, and important listener Q&A. From legalizing basement suites to converting a primary residence into a rental property, the discussion blends practical advice with real-life examples. Plus, they tackle the myth of “more doors equals success” and explain why profitability and risk management—not the number of properties—determine true wealth. 🧠 What You'll Learn in This Episode Whether you need to inform your lender when converting a CMHC-insured primary residence into a rental The importance of updating insurance and CRA status when changing property use Steps and challenges of legalizing a basement suite with tenants in place How renovations impact tenant rights, enjoyment, and lease obligations Why waiting until tenancy ends may be the best option before legalizing suites The difference between confidence and competence when scaling a portfolio Why “number of doors” is a misleading metric for success How to properly measure portfolio performance: profitability and risk 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 BRRRR Strategy Explained: Cash Flow, Refinancing and Proven Success Tips Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode breaks down the BRRRR strategy in plain language — from Buy, Renovate, Rent, Refinance, to Repeat. Wayne and Gabby reveal why “perfect BRRRRs” are so rare, the hidden risks most investors overlook, and how to structure your deals so they cash flow long after the refinance. You’ll also hear real questions from listeners about appraisals, comps, and whether to invest in hot or slow markets. 🧠 What You'll Learn in This Episode The BRRRR method explained step by step Why most “perfect BRRRRs” don’t exist in today’s market The trade-off between pulling all your money out vs. leaving some in How negative cash flow can sink your portfolio (and how to avoid it) Why comps are critical in determining your appraisal value Bank restrictions on refinancing within 12 months of ownership How to plan for appraisal shortfalls and protect your capital Proven success tips for making BRRRRs sustainable long-term 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Private Lending for Redevelopment Deals with Ryan Day from Calvert Home Mortgage Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode dives into one of the most overlooked areas of real estate financing: what happens when you buy a property you plan to demolish for redevelopment. Wayne and Gabby welcome Ryan Day from Calvert Home Mortgage, who breaks down how private lenders assess these unique deals, loan-to-value rules, and exit strategy requirements. The conversation also covers how to handle tenants who pay rent late, alternative strategies to the 14-day eviction notice, and why building a strong case matters. 🧠 What You'll Learn in This Episode Options landlords have for responding to late rent besides issuing a 14-day eviction notice Why eviction notices are just “pieces of paper” and how they fit into the RTDRS process Scenarios where filing at RTDRS early makes sense (and when it doesn’t) How Calvert Home Mortgage structures loans when you’re buying with the intention to tear down The impact of demolishing a house on loan-to-value ratios (65% vs. 75–80%) Typical rates, fees, and underwriting considerations for bridge financing How joint ventures, second mortgages, and borrower financials are evaluated Why overleveraging with multiple mortgages is a dangerous strategy for investors Top reasons Calvert declines deals and how investors can prepare stronger applications The importance of clear exit strategies when working with private lenders 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Rent to Own Failures, Tenant Discounts & Legal Lessons Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode dives deep into the realities of creative real estate strategies. Wayne and Gabby wrap up their story about a failed rent to own deal, answer listener questions about rental discounts and late rent enforcement, and share the hard lessons learned about legal protections, caveats, and overholding tenants. This is a must-listen for any investor who wants to avoid costly mistakes and structure deals the right way. 🧠 What You'll Learn in This Episode How one rent to own deal failed and the legal battles that followed Why proper paperwork and legal systems protect you from unlawful caveats The importance of reserve funds when tenants overhold or stop paying When (and if) to offer a rental discount to secure a fixed-term lease Why month-to-month tenancies can create problems for landlords How to deal with repeated late rent and whether 14-day notices are effective Why perspective and authenticity matter in creative real estate strategies Practical steps when converting your home into a rental property 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 REIcon Recap & A Rent-to-Own Failure Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier After a massive weekend at Edmonton REIcon, Wayne and Gabby break down the biggest highlights—from proud parenting moments to raw lessons from the stage. They also dive into a messy six-year rent-to-own deal that’s gone all the way to court, sharing the systems, strategies, and mindset that help investors handle tough situations with confidence. 🧠 What You'll Learn in This Episode Key takeaways from this year’s Edmonton REIcon conference Why exposure and community matter for kids growing up in real estate The power of creative financing (AFS, VTBs, rent-to-owns, JVs, private/RRSP mortgages) A behind-the-scenes look at a long-term rent-to-own that failed How to protect yourself legally when deals don’t go as planned Why documentation, systems, and clear boundaries are critical for investors Lessons on fulfillment, purpose, and finding joy in the work 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Mortgage Broker Fees, Overholding Tenants & Fix-and-Flip Season Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode dives into three major topics that matter for Canadian real estate investors. We start with a listener question about when mortgage brokers charge fees and how to know if it’s worth it. Next, we share the latest update on the long-running “Jenny” overholding tenant saga—including a shocking twist no one saw coming. Finally, we kick off the conversation about “fix-and-flip season” and why September through March can be the best window to take on profitable flips in Alberta. 🧠 What You'll Learn in This Episode Why some mortgage brokers charge fees and when it makes sense to pay them How rural properties and self-employment complicate mortgage approvals Why shopping around with different brokers doesn’t hurt your chances The latest developments in the ongoing overholding tenant situation Lessons from dealing with tenants who don’t follow through Why September marks the start of “fix-and-flip season” in Alberta Timing flips to sell in the spring market for maximum return How to line up financing and deals now for success this winter 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 The iPro Realty Scandal Exposed + Does Lot Size Really Matter? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier In today’s episode, Wayne and Gabby dive deep into the shocking IPro Realty scandal rocking Ontario’s real estate industry. A $10.5M shortfall in trust accounts has regulators, agents, and consumers scrambling — and raises serious questions about oversight and accountability in brokerages across Canada. They also take a listener question on whether lot size matters for long-term buy-and-hold properties, unpacking when bigger lots make sense and why smaller, average lots often provide stronger cash flow. 🧠 What You'll Learn in This Episode The full story behind the $10.5M IPro Realty trust account shortfall Why regulators, the police, and the Ontario government are all now involved How the shortfall could impact both consumer deposits and agent commissions What this scandal means for investor trust in brokerages across Canada The insurance limits and why not everyone may get their money back Key takeaways for protecting yourself as an investor when placing deposits Secondary discussion: does lot size really matter in long-term rental investing? When to pay more for a bigger lot and when a smaller one is the smarter choice 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 How To Get Access To Free Real Estate Coaching and Education & Should You Buy Apartment Condos in Edmonton? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode dove deep into a hot listener question: are apartment condos in Edmonton worth buying right now? We broke down why condo apartments are one of the few absolutes we almost always advise against, the hidden risks investors miss, and the rare cases where they might work. We also wrapped the show with a powerful discussion on technology, AI, and why your ability to ask the right questions will directly determine your success as a real estate investor. 🧠 What You'll Learn in This Episode Why apartment condos in Edmonton are almost always a bad investment The impact of high condo fees, weak appreciation, and limited resale demand Why studios and small units face especially narrow tenant and buyer pools How to analyze condos properly if it’s your only entry point into the market Why successful investing means building cash flow first and appreciation second How technology and AI are changing the game for investors Why asking the right questions — in coaching, mentorship, and AI — is the #1 success skill today How access to free coaching and unlimited information means nothing unless you act on it 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 How Wholesaling Works in Canada – Real Talk, Not Snake Oil Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Most people have heard about wholesaling real estate through flashy YouTube ads and “get rich quick” courses. Today, Wayne and Gabby break it down honestly. No hype, no snake oil—just a clear explanation of how wholesaling really works in Canada, what kind of money you can realistically make, and who it’s best suited for. If you’ve ever thought about wholesaling, this is the episode you need to hear before spending thousands on a course. 🧠 What You'll Learn in This Episode What wholesaling actually is (selling contracts, not properties) The real benefits for investors—and the risks if you do it wrong How much money you can expect to make per deal Whether you need a real estate license to wholesale in Canada Who wholesaling is best for (and who it isn’t) Why you must treat wholesaling like a business, not a side hustle How to avoid fines, mistakes, and burnout in this strategy 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Fixed-Term vs. Month-to-Month Leases in Alberta – What Every Investor Must Know Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode tackles one of the most misunderstood landlord topics in Alberta: fixed-term leases versus month-to-month tenancies. Many investors let leases lapse into month-to-month without realizing the risks, and it can cost them big. Wayne and Gabby break down the differences, share a messy real-life tenant situation, and explain why month-to-month is “the song that never ends” for landlords. If you’re investing in Alberta, this is a must-listen before you hand over your next set of keys. 🧠 What You'll Learn in This Episode Why fixed-term leases protect landlords and month-to-month exposes them to risk The common misconceptions about flexibility and control with periodic tenancies A real investor’s story about tenant disputes, renovations, and basement access What the Residential Tenancies Act really says about rent increases and renewals The dangers of auto-deposit rent payments when leases expire Why you should never default into month-to-month as an Alberta landlord How to properly handle lease termination agreements and security deposits The importance of written agreements and clear communication with tenants 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 How Much Should You Budget for Rental Property Repairs & Maintenance? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode dives into a critical but often overlooked aspect of real estate investing: how much money you should be setting aside for repairs and maintenance. Wayne and Gabby share the importance of protecting your investments with a healthy reserve fund, why ignoring repairs costs you in the long run, and the real math behind budgeting for replacements like furnaces, roofs, and appliances. They also follow up on yesterday’s listener email about starting to invest at 63, breaking down what strategies are realistic—and which ones to avoid. 🧠 What You'll Learn in This Episode Why every property needs a reserve fund from day one The difference between repairs (unexpected) and replacements (inevitable) How much to set aside monthly for long-term property upkeep Common costs of furnaces, roofs, hot water tanks, and appliances Why ignoring bookkeeping and tax efficiency leaves thousands on the table The risks of chasing “unicorn” BRRRR opportunities in today’s market Why fix-and-flip strategies aren’t a safe option for retirement planning How strong cash flow acts as a buffer against vacancies, rate hikes, and repairs 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Is It Too Late to Start Investing at 63? + Toronto’s New Rental Renovation License Bylaw Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode dives into two big conversations that matter for Canadian real estate investors. First, we answer a listener’s powerful question: “Am I too late to start investing at 63?” We break down the math, the risks, and the realities of starting later in life — plus strategies to safely supplement retirement using rental properties. Then, we turn our attention to Toronto’s brand-new Rental Renovation License Bylaw. This sweeping regulation is aimed at stopping renovictions, but it places major costs, restrictions, and penalties on landlords. We unpack what the bylaw means, the rights it gives tenants, and why Ontario remains one of the most difficult provinces for landlords. 🧠 What You'll Learn in This Episode Whether it’s realistic to start building a rental portfolio in your 60s How cash flow, equity, and timelines affect retirement-focused investing Why four rental properties may or may not be enough for retirement income The difference between mentorship vs. coaching when it comes to investing support Why Ontario’s new bylaw penalizes good landlords along with bad ones What the $700 per-unit license, tenant rights, and penalties mean for Toronto investors The long-term risks of investing in provinces that don’t support landlords Why Alberta continues to be the most landlord-friendly market in Canada 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & Tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Stop Floating Through Life: The Power of Big Decisions in Real Estate & Beyond Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Most people live life on autopilot—following the same path, making the same choices, and ending up in the same place year after year. In today’s episode, Wayne and Gabby dive deep into the pivotal moments that truly change the trajectory of your life and your investing journey. From quitting jobs, to homeschooling decisions, to chance encounters that led to lifelong partnerships—this episode will push you to rethink whether you’re actually steering your life, or just drifting downstream. This is about courage, control, and the reality that not making a decision is still a decision. If you’ve ever felt stuck in your job, your routine, or your investing path, this episode may just be your wake-up call. 🧠 What You'll Learn in This Episode Why most people stay “floating in the river” and never take control of their future The difference between subconscious autopilot choices and conscious life-changing ones How Wayne & Gabby made the bold decision to homeschool their daughter in just 15 minutes Real stories from listeners about life-altering moves that changed everything The concept of “Nexus events” (Marvel fans will love this!) and how they apply to real estate and life Why fear of the unknown keeps investors stuck—and how to push past it How to use pivotal moments to redirect your real estate investing journey The secret sauce to success: making firm, final decisions and following through 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268

🎧 Should You Refinance Or Pay Off Your Mortgage? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today’s episode dives into one of the most common questions real estate investors face: should you pay off your mortgages and enjoy the security of free-and-clear properties, or should you refinance, access equity, and reinvest to grow your portfolio? Wayne and Gabby share real-life examples, talk through the math, and discuss how different goals, stages of life, and investing mindsets affect the decision. 🧠 What You'll Learn in This Episode Why investors struggle with the refinance vs. pay-off decision How equity can be “dead money” if it isn’t working for you The importance of calculating your return on equity (ROE) When refinancing makes sense and when it doesn’t The risks of overleveraging and how to avoid them The role of the 5% Rule™ cash flow test in protecting your portfolio Why cash flow matters more at different stages of life How lifestyle choices, mindset, and long-term goals shape your decision 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Get the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test Order Now → https://a.co/d/3Xrcnhw 🤝 Thanks to Our Sponsors 🏠 Krystal Kromm – Red Deer Investor-Focused Realtor 📞 (587) 377-8584 🔗 Facebook 🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 and 13268