🎧 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
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🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
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📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
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💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
📧 keaton@kbmortgages.ca
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🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268