Real Estate Investing Morning Show ( REI Investment in Canada )

🎧 Rents Are Softening & The Market Is Shifting: Why Smart Investors Are Already Planning 12–24 Months Ahead Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode dives into the real market shift happening right now — softening rents, rising delinquencies, thousands of new units hitting Alberta's rental market, and what this means for investors who are only thinking month-to-month. Wayne breaks down exactly why smart investors look 12–24 months ahead and how to prepare for the next cycle instead of reacting to tenant issues and short-term noise. We also answer important listener questions on: Converting month-to-month tenants into fixed leases Whether you can legally sign a lease before you own the property How to set up security deposit accounts properly How to analyze deals safely when rents may soften What newer investors should actually be focusing on right now This is one of the most important episodes for anyone investing in Edmonton, Red Deer, or any Alberta market going through rapid inventory expansion and affordability pressure. 🧠 What You'll Learn in This Episode Why rents softening is predictable — and how to plan for it How tenant affordability issues lead to higher default risk The massive wave of new supply hitting Alberta's rental market Why now is the time to think long-term, not defensively How to convert month-to-month tenants into fixed terms strategically Whether you can sign a lease before you officially own a property How to handle security deposits without opening endless bank accounts How the 5% Rule™ Cash Flow Test protects you from market shifts Why landlords panic and why investors who think like entrepreneurs don't The importance of upgrading your strategy during slow seasons Sneak peek: upcoming conversations with Alberta investors doing BRRRRs and flips 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 for investors: www.finngo.com/rei Submit a question for the show: info@reimorningshow.com 📘 The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors Wayne's bestselling book teaches the exact cash flow test discussed in today's episode — the formula designed to protect investors from rent softening, interest rate swings, vacancies, and unpredictable market cycles. A must-read for anyone serious about building a storm-ready portfolio. Get it NOW! https://a.co/d/gJ1fqRK 🤝 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 & 13268

🎧 Red Deer Real Estate Market Update | with Krystal Kromm + Tenant Christmas Gifts Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Red Deer continues to be one of Canada's hottest investor markets — and today we're diving into exactly why. Investor-focused realtor Krystal Kromm joins Wayne & Gabby to break down the latest stats, cash-flow numbers, and what's really happening in Central Alberta. We also get festive! Gabby shares her take on tenant Christmas gifts, how they build better relationships, and why booking winter inspections at the same time can save you money and time. 🧠 What You'll Learn in This Episode Why Red Deer remains one of Canada's strongest cash-flow markets Current stats on inventory, prices, and vacancy rates (1.6 %) How investor demand is influencing Red Deer's seller's market Tips for out-of-province buyers and how Krystal works with them virtually The impact of zoning and future infill changes on Red Deer's supply Smart ways to prepare tenant Christmas gifts and schedule inspections Wayne & Gabby's budget debate on how much to spend on tenant gifts Why Red Deer still passes the 5% Rule™ Cash Flow Test for Canadian investors 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rentals, BRRRRs, flips, JVs, 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 📘 Book Recommendation: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors by Wayne Hillier – available on Amazon. Bookkeeping & tax help for investors: 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 13267 & 13268

🎧 Cash Flow & Opportunity in Edmonton's Real Estate Market with Calvin Hexter Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Join Wayne & Gabby as they welcome special guest Calvin Hexter, Edmonton's top investor-focused realtor, for an in-depth conversation about current cash-flow expectations, buyer vs. seller psychology, and why the next 45 days may be your best window to buy. They also share a behind-the-scenes update from their recent RTDRS hearing, lessons on landlord compliance, and a fun "Rapid-Fire Questions" segment that lets you get to know Calvin beyond real estate. 🧠 What You'll Learn in This Episode The true story of Wayne & Gabby's RTDRS eviction hearing and how to handle yours professionally Alberta's rules on security-deposit interest (and why most landlords get it wrong) How to identify motivated sellers through subtle listing indicators Why buyer-seller expectation gaps are widening in Edmonton's 2025 market The best-performing property types right now (duplexes and legally suited homes) Expected cash-flow ranges by neighbourhood tier (A–D areas) How to write more offers with confidence and negotiate like a pro What makes Edmonton a landlord-friendly market for cash flow and growth 👥 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 Get bookkeeping & tax help for investors: www.finngo.com/rei Submit a question: info@reimorningshow.com 📘 Get the book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 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 13267 & 13268

💬 What to Do With Your Refi Money After a BRRRR or Value-Add Deal Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier After completing a refinance and pulling out equity, what's the smartest next move? Wayne and Gabby dive into the listener question about a 9-unit apartment building refi and explore how to decide whether to buy another property, start a business, or diversify elsewhere. They also unpack the risks of speculation, discuss trends that have risen and fallen in the investing world, and share insight into avoiding bad advice, snake-oil schemes, and over-hyped "strategies." A lighter side of today's show also featured a fun Rapid-Fire Throwback segment with Gabby—because real-life personalities make real-life investors. 🧠 What You'll Learn in This Episode How to decide what to do with equity pulled from a refinance Why risk vs ROI matters more than chasing "diversification" The importance of analyzing markets and running your own numbers Why some popular trends never actually worked (and still don't) Common mistakes new investors make when following hype The role of business income vs long-term wealth from rentals How to spot manipulation and gimmicks in the investing community Real-life landlord legal stories from Wayne & Gabby 👥 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 financing strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 📘 **Get the Book — The 5% Rule™ ** Learn how to evaluate cash flow and risk like a pro with The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors. Order Now → https://a.co/d/3Xrcnhw 💡 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 & 13268

🎧 Fixed vs Variable: Which Mortgage Strategy Makes Sense in 2025? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier With interest rates finally shifting, investors everywhere are asking the same question: should you go fixed or variable in 2025? In this episode, Wayne & Gabby are joined by Keaton Kirkwood from Kirkwood & Brennan Mortgage Group to unpack how lenders actually determine variable discounts, why fixed rates aren't always safer, and how to decide what's right for your goals and risk tolerance. They also coach a listener who just bought a nine-unit multifamily building—covering everything from ethical tenant management to realistic refinance timelines and the real-world math behind BRRRRs. 🧠 What You'll Learn in This Episode How lenders actually price variable rates and what "prime minus 0.85%" means Why five-year fixed mortgages can be dangerous for investors The ethical way to handle tenant turnover in value-add multifamily projects What to expect when refinancing commercial vs residential properties How financing can "ruin great deals" if you don't plan ahead Why critical thinking—not hype—protects you from bad advice How to decide between fixed and variable based on your temperament, goals & liquidity 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta. 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 drop 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 Book The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 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 Buy Real Estate With No Money Down in Canada (Using Agreements for Sale) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode dives deep into one of the most misunderstood but powerful creative strategies in Canadian real estate: Agreements for Sale (AFS) — the Canadian version of seller financing. If you've been watching American influencers talk about SubTo and wondering why it doesn't work the same way in Canada, this episode breaks down exactly why — and what does work instead. Wayne also shares a real zero-money-down case study that generated an infinite ROI and explains how Canadian investors can legally & safely structure AFS deals without putting themselves — or sellers — at risk. This is a must-listen episode if you want to scale when you're out of capital or can't qualify for more mortgages. 🧠 What You'll Learn in This Episode Why SubTo works in the U.S. but not in Canada Exactly how Agreements for Sale work under Canadian law How sellers benefit from AFS even when they have little to no equity Why lenders' due-on-sale clauses create challenges in Canada The real risks of doing seller-financing wrong (and how scammers exploit new investors) A full walkthrough of Wayne's zero-down, infinite-ROI AFS deal How to acquire properties without qualifying for a mortgage Why motivation matters more than equity when finding AFS opportunities What happens when the seller's mortgage renews mid-term How to position yourself so people bring you creative financing leads 👥 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, agreements for sale, joint ventures, and other creative 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 for real estate investors: www.finngo.com/rei Submit a question: info@reimorningshow.com 📘 Get the 5% Rule™ Book Get the 5% Rule™ book on Amazon: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 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 Build a Rock-Solid Real Estate Power Team (Even on Your First Deal) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Asking "who" beats asking "how." In today's episode, Wayne & Gabby break down how beginners (and seasoned investors who need a reset) can assemble a reliable, investor-focused power team—so you can move faster, avoid costly mistakes, and keep your business storm-ready. 🧠 What You'll Learn in This Episode The core 4 pros every investor needs: investor-focused realtor, mortgage broker, lawyer, and accountant How to find trustworthy trades (contractors, HVAC, plumbers, cleaners, appliance techs) without gambling on quality The difference between "good" and "great" team members—and how to test for reliability, speed, and communication Interviewing without an interview: the simple trial-job method that surfaces your best vendors When "investor-focused" really matters (creative deals, AFS, seller financing, lease-options) and why it can save you legal fees Red flags + when (and how) to break up with a power-team member—professionally Relationship ROI: keeping A-players by paying promptly, sending referrals, and setting clear expectations 👥 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 Get the 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors on Amazon. Order Now → https://a.co/d/3Xrcnhw 📅 Events Free Webinar: Accounting for Real Estate Agents Hosted by Steve Tsonev & Wayne Hillier (Finngo Bookkeeping & Tax) November 10, 2025 | 11:00 a.m. MST What to deduct, common mistakes, and how to keep more of your money. 🤝 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 Evict a Tenant in Alberta Fast: A Real RTDRS Case Study for Landlords Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode breaks down one of the fastest RTDRS eviction cases we've ever seen, including how we secured a same-week hearing, why systems (not emotions) always win, how to decide when to file, and what every Alberta landlord must understand about the eviction process. A must-listen if you manage rental properties in Alberta. 🧠 What You'll Learn in This Episode The full story behind today's eviction and how it unfolded How we secured a next-week RTDRS hearing (record speed) Why systems remove emotion — and how that protects your business When to file at the RTDRS and how many breaches justify filing How Alberta's tenancy system is fair, balanced, and landlord-friendly Why experienced landlords often struggle more than new ones The step-by-step RTDRS hearing process and what to expect How evidence, documentation, and consistency help you win Why emotional decision-making destroys investor profitability How systems create peace, efficiency, and higher ROI 📅 Upcoming Events Edmonton Real Estate Investor Meetup 📍 12322 102 St NW, Edmonton, AB 📅 Tomorrow Meet other local investors, build connections, and grow your Alberta real estate network. https://www.facebook.com/share/1BSUkuckto/ Free Webinar: Accounting for Real Estate Agents Hosted by Finngo Bookkeeping & Tax with Steve Tsonev & Wayne Hillier 📅 Monday | 11:00am MST Learn what agents can legally deduct, how to structure your bookkeeping, and how to avoid costly tax mistakes. https://www.facebook.com/share/17MH3qZARj/ 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta. 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 insights, and tactical investing guidance. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help (Finngo – the #1 accounting firm for real estate investors): www.finngo.com/rei Submit a question for the show: info@reimorningshow.com Get the 5% Rule™ Book on Amazon The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 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

🎧 Adding Garage Suites to a Fourplex — Will It Qualify for Commercial or MLI Select Financing? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode dives deep into one of the most common — and misunderstood — value-add strategies in the Canadian investing world: adding garage suites to an existing multifamily property. A listener asks whether turning a legal fourplex into a six-unit property (by adding a four-car garage with two suites above) could qualify for commercial financing or CMHC MLI Select. Wayne breaks down: zoning issues, utility hurdles, the new 2025 MLI Select clarifications, whether "similar characteristics" can kill your application, and why so many investors are running the numbers completely wrong. Plus — special guest Samuel Huberdeau joins the show to share details on this Saturday's Edmonton Real Estate Investor Meetup. 🧠 What You'll Learn in This Episode Whether adding garage suites can reclassify a fourplex into commercial financing The 2025 CMHC MLI Select clarifications and why "similar characteristics" matter Why financing products are not investment strategies Zoning, setbacks, utility routing, and development permit considerations Why most garage suites do NOT cash flow — and how to actually run the numbers How to avoid 7-figure mistakes when adding units to your property How to qualify for MLI Select affordability points the realistic way Why fall & winter are the best seasons to "hibernate and educate" Full details on this weekend's Edmonton Investor Meetup with Samuel Huberdeau 👥 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. 📚 Get the 5% Rule™ Book Get the 5% Rule™ book on Amazon: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors Order Now → https://a.co/d/3Xrcnhw 📅 Upcoming Events 📍 Edmonton Real Estate Investor Meetup Hosted by: Samuel Huberdeau & Patrick Mooney Date: This Saturday Time: 1:00pm–4:00pm Location: 12322 102 St NW, Edmonton, AB Facebook Event: https://www.facebook.com/share/1Fg4H3E7f3/ Details: Walk a real BRRRR project, ask questions, network with active investors. 🧾 Free Webinar: Accounting for Real Estate Agents Hosted by Steve Tsonev & Wayne Hillier — Finngo Bookkeeping & Tax Date: Monday, November 10, 2025 Time: 11:00am MST Where: Streaming FREE on Facebook Learn: What realtors can legally deduct Common write-offs agents miss Business vs personal expenses Biggest bookkeeping mistakes costing agents thousands 💡 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 🌐 kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 Facebook 🏗️ Calvert Home Mortgage Investment Corporation 📞 403-278-0249 📧 info@chmic.ca 🆔 FSRAO License Numbers: 13267 & 13268

🎧 Buying Rentals with Existing Tenants, Damage Deposits, and Wear & Tear Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier In today's episode, Wayne and Gabby answer listener emails covering common but often misunderstood landlord topics — from how to handle security deposits when buying a rental with tenants, to clarifying what counts as wear and tear versus damage. They also discuss the realities of working with your spouse in business and how experience shapes real estate decision-making. 🧠 What You'll Learn in This Episode What happens to the tenant's damage (security) deposit when buying a rental Why you should never call it a "damage deposit" and what legal term to use instead How to tell the difference between wear and tear vs. tenant-caused damage What to do if your insurance requires monthly inspections Tips for buying properties with existing month-to-month tenants Why working with your spouse can be both a blessing and a challenge How experience builds decision-making systems in your real estate business 📘 Get the 5% Rule™ Book The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors Learn how to confidently evaluate rental properties and build a storm-ready portfolio. Order Now → https://a.co/d/3Xrcnhw 🧾 Free Webinar: Accounting for Real Estate Agents Hosted by Steve Tsonev & Wayne Hillier from Finngo Bookkeeping & Tax 📅 November 10, 2025 | 11:00am MST 💼 About the Webinar Are you a real estate agent who's tired of wondering what you can and can't write off? Join us for a free, value-packed session designed specifically for Canadian real estate agents who want to keep more of their hard-earned money by understanding their business deductions. 🧠 What You'll Learn What expenses real estate agents can legally deduct Common tax write-offs most agents are missing How to separate personal vs. business expenses correctly The biggest bookkeeping mistakes that cost agents thousands Simple ways to set yourself up for a smooth tax season 🔗 Join on Facebook 🏘️ Edmonton Real Estate Investor Meetup Join hosts Patrick Mooney and Samuel Huberdeau for another on-site meetup, this time at Sam's newest BRRRR project! 📅 Saturday, November 8th, 1:00 – 4:00 PM 📍 12322 102 St NW, Edmonton, AB T5G 2H4 🔗 Event Details 👥 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 to Stop Floating and Start Winning in Real Estate Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier In today's episode, Wayne opens up about his journey from pumping gas to building one of Canada's top real estate investing coaching programs. This raw and unfiltered conversation dives deep into what separates investors who drift with the current from those who take control of their future. Wayne and Gabby discuss the biggest mistakes beginner investors make in their first year, why comparing yourself to others kills progress, and the real story behind how Wayne started with nothing — and built everything through hard work, clarity, and commitment. 🧠 What You'll Learn in This Episode The #1 mistake most new investors make in their first year How to stop "floating" in the industry and start steering your path Why comparing yourself to others is destroying your momentum How to find real mentors — not just loud voices online The truth about real estate conferences and back-of-room "sales tactics" Wayne's personal story of moving from Ontario to Alberta with nothing The mindset that separates winners from everyone else What to do when you're surrounded by distraction and noise 💡 Get the 5% Rule™ Book Get the 5% Rule™ book on Amazon: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors Order Now → https://a.co/d/3Xrcnhw 👥 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

🎧 Should You Legalize or Sell Your Basement Suite? Real Talk on Calgary's Market & New Investor Mindsets Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier In today's episode, Wayne and Gabby tackle two big listener questions — starting with a Calgary homeowner wondering whether to legalize an illegal basement suite or sell the property in a shifting market. They break down what legalization really costs, when it actually adds value, and how to decide if selling makes sense. Then, they shift gears to help a new investor from Vancouver who's just getting started — unpacking the fears, mindset shifts, and confidence needed to succeed in real estate. 🧠 What You'll Learn in This Episode Should you legalize or sell your basement suite? How to decide when the timing is right to sell a rental Calgary's current real estate and rental market trends What makes an illegal suite unsafe (and when buyers don't care) How to avoid emotional or impulsive real estate decisions The real mindset shift required before becoming an investor Dealing with fear, doubt, and spouse resistance to investing Why Wayne and Gabby refuse to play the "100 doors" game 👥 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.

🎧 Halloween Real Estate Horror Stories Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier It's Halloween — and Wayne & Gabby are digging up the scariest real estate investing stories they've ever seen! From flooded flips to spooky eviction twists, this episode blends fun, fright, and valuable lessons every landlord should hear before their next deal. 🧠 What You'll Learn in This Episode Why flipping acreages can be a real-life horror story The shocking twist in an eviction case that took a dark turn Creepy (and hilarious) discoveries in past rental units How a malfunctioning sprinkler caused a full basement flood When to accept rent during an eviction process The right way to handle abandoned goods and storage fees Why Wayne avoids "tenant horror stories" — and what to learn from them 👥 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 📘 Get Wayne's bestselling book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 👉 Available now on Amazon 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

🎧 You're Not an Investor — You're in SALES (And That's Why You're Struggling) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Most investors think they're building a portfolio… but they're actually in sales. In today's episode, Wayne reveals the exact mindset shift that changed his entire real estate career — the moment he realized every investor is in sales, marketing, and persuasion whether they like it or not. This episode will shake your perspective on what it really takes to succeed. From filling rentals without dropping rent prices to raising capital and closing deals — everything in real estate comes down to sales. Wayne and Gabby also tackle live listener questions about tenant disputes, lease defaults, and creative ways to rent your properties faster during the slow season. 🧠 What You'll Learn in This Episode The truth about why investors struggle to fill vacancies or attract JV partners How Wayne realized he was in sales — and how it changed everything Why mastering sales and marketing is the missing piece in your investing success How to build irresistible rental listings that attract attention instantly The mindset shift that separates successful investors from everyone else What to do when a tenant signs a lease, backs out, or leaves damages The right way to serve tenants legally via email under Alberta's RTDRS rules Why lowering rent hurts the entire market — and what to do instead How to think like a business owner, not a hobby landlord 👥 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™ – A Real Estate Cash Flow Test for Canadian Investors 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

🎧 Fix & Flip Financing Made Simple with Ryan Day from Calvert Home Mortgage Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier If you're planning your next fix and flip, today's episode will help you understand how to secure financing fast — without the stress. Wayne and Gabby are joined by Ryan Day from Calvert Home Mortgage, who breaks down how private lenders evaluate deals, pre-approve investors, and fund flips within days. Wayne and Gabby also dive into the difference between active vs. passive income, and answer listener questions on tenant lease obligations and what happens if a tenant changes their mind after moving in. 🧠 What You'll Learn in This Episode What to do if a tenant wants to break a lease after moving in The difference between active and passive income in real estate investing Why fix and flips are considered active income — and the risks and rewards involved The key factors Calvert considers when approving fix & flip financing How pre-approval from Calvert can help you go in unconditional and beat your competition How Calvert manages lending risk through market analysis and population criteria What investors should know about borrowing costs, LTV ratios, and due diligence Ryan Day's insights on current Canadian market conditions and investor trends Details on the upcoming Fix & Flip Workshop collaboration with Calvert and REI Masters 👥 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™ – A Real Estate Cash Flow Test for Canadian Investors 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