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Explore every episode of the podcast Real Estate Investing Morning Show ( REI Investment in Canada )

Dive into the complete episode list for Real Estate Investing Morning Show ( REI Investment in Canada ). Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.

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TitlePub. DateDuration
Fix & Flip Success Stories With Ryan Day From Calvert Home Mortgage | Real Estate Investing Canada | Alberta01 Oct 202501:05:49

🎧 Fix & Flip Success Stories with Ryan Day from Calvert Home Mortgage
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

After two weeks in Hawaii, Wayne & Gabby are back live at 6:00 AM to kick off October with an exciting episode. Today's conversation dives into fix & flip financing, success stories, and strategies for investors looking to take advantage of the fall season. Special guest Ryan Day from Calvert Home Mortgage joins the show to share real-life deals, financing tips, and the risks and rewards of flipping properties in today's market.

🧠 What You'll Learn in This Episode

  • Rent Day routines and Gabby's top tips for landlords managing payments

  • Why fix & flip season begins in the fall and how timing impacts profits

  • How Calvert Home Mortgage helps investors with fast, flexible financing

  • Two real-life success stories from Calgary investors (profits of $40K and $60K)

  • The importance of buying below market value and sticking to your numbers

  • Why rural markets are riskier and why Calvert avoids properties under 10K population

  • How competitive short-term financing rates are creating opportunities for Canadian investors

  • Upcoming updates on Wayne's book The 5% Ruleβ„’ – The Real Estate Cash Flow Test paperback release

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Our Favorite (and Most Fulfilling) Real Estate Experiences | Real Estate Investing Canada | Alberta01 Oct 202501:12:15

🎧 Our Favorite (and Most Fulfilling) Real Estate Experiences
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today's episode, Wayne and Gabby reflect on their most memorable and rewarding experiences as real estate investors. From the thrill of walking into a fully staged flip for the first time, to life-changing moments helping sellers in tough situations, this episode shows the heart and humanity behind building a portfolio. They also share lessons learned from agreements for sale, joint ventures, and watching long-term cash flow grow.

🧠 What You'll Learn in This Episode

  • Why some of the best investing experiences have nothing to do with money

  • The excitement and risks behind fix and flips

  • How one creative feature wall sparked a trend in Edmonton flips

  • The emotional impact of helping sellers in difficult life situations

  • Why agreements for sale (Canada's "subject-to") can be both powerful and dangerous

  • Lessons from tenant relationships and empathy in property management

  • The reality of watching cash flow grow over time without relying on projections

  • How building and proving trust with joint venture partners changes everything

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Exit Strategies & First Steps for New Investors | Real Estate Investing Canada29 Sep 202501:07:06

🎧 Exit Strategies & First Steps for New Investors
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode tackles two big listener questions:

  1. Do you ever hold properties forever, or should every property have a planned exit strategy?

  2. What's the very first step a brand-new investor should take when they don't know where to start?

Wayne and Gabby break down how to think scientifically about property lifespans, capital expenditures, market timing, and joint venture agreements when considering whether to sell or hold long-term. They also provide five practical steps for new investors to confidently get started, including market research, analyzing rental demand, learning landlord/tenant laws, running the numbers, and understanding financing options.

🧠 What You'll Learn in This Episode

  • How to evaluate whether to keep or sell a rental property long-term

  • Why roofs, furnaces, hot water tanks, and windows matter to exit planning

  • How joint venture timelines and mortgage qualification affect selling decisions

  • The risks of buying older properties vs. brand-new ones

  • Why real estate investing is a numbers game, not a guessing game

  • The five essential first steps for brand-new investors

  • How to separate flashy "get rich quick" pitches from proven strategies

  • Why treating investing like a business leads to lasting success

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Why Real Estate Investors Fail: Knowledge vs Discipline | Real Estate Investing Canada | Alberta25 Sep 202501:08:37

🎧 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% Ruleβ„’ protects you from the unknowns of real estate (interest rates, vacancies, repairs)

  • Why focusing on cash flow and sustainability beats speculation every time

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

15 Common Joint Venture Partner Questions Answered | Real Estate Investing Canada24 Sep 202501:04:26

🎧 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 answerβ€”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

πŸ‘₯ 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.

πŸ’‘ 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
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Evictions, Overholding Tenants & Building JV Trust | Real Estate Investing Canada | Alberta24 Sep 202501:03:58
🎧 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

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors

🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Is Edmonton's Rental Market Softening? | Real Estate Investing Canada | Alberta23 Sep 202501:10:06
🎧 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 β€” and when to delegate

  • How scaling a real estate business changes profit margins and responsibility

πŸ‘₯ 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.

πŸ’‘ 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
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Edmonton Q4 Market Update with Calvin Hexter | Real Estate Investing Canada | Edmonton Alberta03 Oct 202500:59:42

🎧 Edmonton Q4 Market Update with Calvin Hexter
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode features special guest Calvin Hexter from Calvin Realty, bringing a fresh look at the Edmonton real estate market heading into Q4. While headlines across Canada call it a "slump," savvy investors are seeing incredible opportunities. Wayne, Gabby, and Calvin dig into what's really happening, why it's seasonal, and how educated buyers can position themselves for success.

From holding companies and bank account setups, to overholding tenants, to navigating a contracting market β€” this episode is packed with practical insights to help you buy smart, cash flow strong, and stay storm-ready.

🧠 What You'll Learn in This Episode

  • Why Edmonton's Q4 market looks like a "slump" to outsiders but is full of opportunity for investors

  • Seasonal patterns and how they create better buying conditions

  • How sellers are adjusting to a contracting market and what it means for buyers

  • Creative strategies like VTBS and AFS in today's market

  • The importance of mindset: treating yourself as an entrepreneur

  • Real-world stories about overholding tenants and inherited rentals

  • How Wayne & Gabby structure holding companies and bank accounts for multiple properties

  • What Calvin's clients are focusing on right now in Edmonton

πŸ‘₯ 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.

πŸ’‘ 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
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

How to Run the Numbers on a Rental Property (Plus GST Rebates Explained) | Real Estate Investing Canada02 Oct 202501:06:16

🎧 How to Run the Numbers on a Rental Property (Plus GST Rebates Explained)
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today's episode, Wayne breaks down β€” for the very first time on the show β€” how to properly run the numbers on a rental property. Using a sample deal, he walks step-by-step through ROI calculations, showing exactly how cash flow, mortgage paydown, and appreciation combine to deliver real returns.

If you've ever struggled with confusing spreadsheets or wondered how Wayne and many of his students actually hit 20% ROI without relying on appreciation, this episode will clear it all up. Wayne explains why conservative deal analysis is the key to long-term success, why leverage magnifies returns, and how to avoid being misled by inflated pro formas.

Gabby also tackles a listener's question on GST rebates for rental properties β€” when landlords qualify, whether rebates need to be paid back when you sell, and why builders often roll GST into the price without you even realizing.

🧠 What You'll Learn in This Episode

  • How to analyze a rental property using a sample deal

  • The right way to calculate ROI step by step

  • Why leverage turns 3.5% appreciation into a 17%+ return

  • Why conservative math beats inflated projections every time

  • The three profit centers in real estate: cash flow, mortgage paydown, appreciation

  • How boring, stable rentals outperform risky "flashy" strategies

  • The difference between GST rebates for homeowners vs. landlords

  • Whether GST rebates need to be repaid when you sell a rental

πŸ‘₯ 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.

πŸ’‘ 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
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

How to Protect Yourself from Real Estate Risks and Financial Uncertainty | Real Estate Investing Canada | Alberta06 Oct 202501:04:08

🎧 How to Protect Yourself from Real Estate Risks and Financial Uncertainty
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode tackles some of the most practical β€” and often overlooked β€” topics for real estate investors. Wayne and Gabby answer listener questions about inherited tenants, move-out inspections, and managing townhouse risks in condo corporations. They also dive deep into the current teachers' strike in Alberta, connecting it to the importance of financial security and long-term real estate investing.

🧠 What You'll Learn in This Episode

  • Why investing early gives you the freedom to handle unexpected life events (like school strikes)

  • The reality of financial freedom β€” and why it's more about security than luxury

  • How to handle inherited tenants and what documents you need to protect yourself

  • The right way to perform move-out inspections and what counts as normal wear and tear

  • Whether buying multiple townhouses in the same condo complex increases your risk

  • How to assess condo documents and reserve funds like a professional investor

  • What special assessments really mean β€” and how to avoid getting blindsided

  • Why building a personal reserve fund is just as important as your condo's reserve fund

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Bookkeeping and Tax Help for Real Estate Agents | Real Estate Investing Canada | Alberta28 Oct 202500:58:53

🎧 Bookkeeping and Tax Help for Real Estate Agents
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Real estate agents are some of the hardest-working entrepreneurs β€” but when it comes to bookkeeping and taxes, many struggle to stay organized. In today's episode, Wayne and Gabby are joined by Steve Tsonev of Finngo Bookkeeping & Tax to talk about how real estate agents can get their financial systems in order, stay compliant, and keep more money in their pockets.

They also answer listener questions about a lease gone wrong and how to handle a court-ordered eviction β€” before diving into how agents can prepare for year-end, avoid GST and tax surprises, and decide whether to incorporate their business.

🧠 What You'll Learn in This Episode

  • Why so many real estate agents struggle with bookkeeping and taxes

  • The biggest mistakes agents make (and how to fix them)

  • How to prepare for year-end without scrambling at the last minute

  • Setting up systems early to avoid losing money at tax time

  • How to budget for taxes and separate your GST so you don't spend it

  • The difference between operating as a sole proprietor vs a corporation

  • Common tax write-offs and deductions real estate agents miss

  • Details about the Free Webinar: "Accounting for Real Estate Agents" on Monday, November 3rd at 2 PM β€” hosted by Wayne Hillier & Steve Tsonev from Finngo

πŸ“… Upcoming Events
Free Webinar: Accounting for Real Estate Agents
πŸ“† Monday, November 3rd, 2025
πŸ•‘ 2:00 PM MST
πŸŽ™οΈ Hosted by Wayne Hillier & Steve Tsonev (Finngo Bookkeeping & Tax)
πŸ’» Join Live on Zoom β†’ https://us06web.zoom.us/j/85770079309?pwd=5qnkWPr7gYr0CdVbAEIswvntGPL3YG.1

Learn how to organize your bookkeeping, understand what you can legally deduct, and keep more of your hard-earned money as a real estate professional.

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – A Real Estate Cash Flow Test for Canadian Investors
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Advice for Struggling Real Estate Investors (You Need to Hear This) | Real Estate Investing Canada | Alberta27 Oct 202501:01:19

🎧 Advice for Struggling Real Estate Investors (You Need to Hear This)
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today's episode, Wayne and Gabby deliver one of their most honest and impactful conversations yet β€” real talk for investors who feel stuck, overwhelmed, or afraid to take the next step.

They break down the real reasons most investors struggle β€” from fear of judgment to lack of confidence β€” and share actionable advice to help you push past hesitation and start building momentum again. Along the way, they also tackle listener questions about creative real estate deals, talking directly to sellers, and when to use promissory notes, VTBs, or agreements for sale.

🧠 What You'll Learn in This Episode

  • The honest truth about why most investors don't take action

  • How fear of judgment holds you back from success

  • When to contact a seller directly vs. through their realtor

  • The right way to structure creative deals (VTB, AFS, or promissory note)

  • Why agreements for sale don't always work for development projects

  • What "arm's length" really means when borrowing RRSP funds

  • The mindset shift that separates struggling investors from successful ones

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

How to Protect Yourself When Buying Off-Market & Wholesale Real Estate Deals | Real Estate Investing Canada15 Oct 202501:07:04

🎧 How to Protect Yourself When Buying Off-Market & Wholesale Real Estate Deals
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today's episode, Wayne and Gabby dive deep into one of the most misunderstood areas of real estate investing β€” buying off-market and wholesale deals. They explain how these contracts actually work, the biggest risks investors overlook, and how to protect yourself before sending a single dollar. Whether you're buying directly from a wholesaler or negotiating an assignment deal, this conversation will help you invest confidently and avoid costly mistakes.

🧠 What You'll Learn in This Episode

  • What "off-market" and "wholesale" really mean in Canadian real estate

  • The difference between assignment deals and double closes

  • How to protect yourself when buying from a wholesaler

  • Why contracts should always be reviewed by a real estate lawyer

  • What to do when a wholesaler asks for an upfront fee

  • How to verify that funds are held in trust before sending money

  • Red flags to watch for when working with new or unlicensed wholesalers

  • When paying a wholesaler's fee is 100% worth it β€” and how to tell if the deal still makes sense

πŸ’¬ Also Discussed in This Episode

  • How to hire, train, and pay remote agents to handle your in-person property tasks

  • The importance of building clear SOPs (Standard Operating Procedures) for remote management

  • How to do diligence on townhouse complexes before one comes up for sale

  • Why investors should take action on what they learn daily instead of just consuming information

πŸ‘₯ 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.

πŸ’‘ 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 8-Week Remote Property Management Course:
πŸ‘‰ reimasters.ca

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License #13267 & 13268

Why Understanding Equity Changes Everything for Real Estate Investors | Real Estate Investing | Grand Prairie | Alberta14 Oct 202501:15:47

🎧 Why Understanding Equity Changes Everything for Real Estate Investors
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

If there's one concept that separates successful real estate investors from everyone else β€” it's understanding how equity really works.

In today's episode, Wayne and Gabby explain why equity is the foundation of real estate wealth and why so many people get stuck because they don't truly understand it. Once you grasp this, everything about investing suddenly makes sense β€” how refinancing works, how to grow safely, and why real estate is such a powerful long-term wealth builder.

They also touch on the Grand Prairie market, share lessons on fix & flips, and remind listeners that clarity and education are the keys to avoiding costly mistakes.

🧠 What You'll Learn in This Episode

  • What equity actually is β€” and how it builds wealth behind the scenes

  • How borrowing against equity really works (refinance vs. HELOC)

  • Why understanding loan-to-value (LTV) is essential to investing safely

  • How "good debt" is repaid and why it's not the same as consumer debt

  • The 80% rule and why lenders limit you there for protection

  • How misunderstanding equity leads to fear and missed opportunities

  • Why understanding equity makes real estate investing finally click

  • Bonus topics: Grand Prairie's market cycles and flipping with contractors

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Can You Run a Wholesaling Business While Working Full-Time? | Real Estate Investing Canada10 Oct 202501:04:41

🎧 Can You Run a Wholesaling Business While Working Full-Time?
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Ever wondered if you can juggle a full-time job while building a profitable wholesaling business? In today's episode, Wayne & Gabby dive deep into the reality behind wholesaling β€” what it really is, how it works, and whether it's actually sustainable as a side hustle.

They share first-hand insights from years of coaching new investors, real numbers from real deals, and honest talk about the time, systems, and mindset it takes to succeed. If you've ever searched "how to start wholesaling with no money", this episode is your wake-up call and your roadmap.

🧠 What You'll Learn in This Episode

  • What wholesaling actually is β€” and what it isn't

  • The math behind assignment fees and deal spreads

  • Why most wholesalers quit within six months

  • Whether you can realistically wholesale with a full-time job

  • How to structure your time, systems, and automation

  • Using virtual assistants and call-answering services effectively

  • The importance of partnerships & reinvesting profits to scale

  • Why wholesaling is a business, not a quick side hustle

πŸ‘₯ 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 strategies.
New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584 πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca πŸ“§ keaton@kbmortgages.ca πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249 πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers 13267 and 13268

What Happens If Your JV Partner Dies? Most Investors Never Plan For This | Real Estate Investing Canada09 Oct 202501:05:12

🎧 What Happens If Your JV Partner Dies? Most Investors Never Plan for This
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

What would happen to your investment if your joint venture partner suddenly passed away, became disabled, or couldn't refinance the property? Most investors never plan for these "what if" scenarios β€” until it's too late.

In this episode, Wayne and Gabby break down how to structure bulletproof JV agreements that protect both parties. They share real examples, key contract clauses to include, and what to do when things don't go according to plan. You'll also hear how they handle reserve funds, rental income taxes, and a fresh update on Gabby's RTDRS tenant situation.

🧠 What You'll Learn in This Episode

  • What to do if your JV partner dies or becomes incapacitated

  • How to include death, disability, and management clauses in your contract

  • Why life insurance for JV partners might be the smartest move you make

  • How to manage and tax-plan your reserve fund properly

  • What's actually taxable when it comes to rental income

  • How to handle joint ventures when the money partner's credit tanks

  • When to file for RTDRS and how conditional eviction orders work in Alberta

  • Why a solid contract β€” not a handshake β€” saves you time, money, and stress

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ – The Real Estate Cash Flow Test book on Amazon: Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers 13267 and 13268

OSFI Rule Changes Explained: What Canada's New Mortgage Guidelines Mean for Real Estate Investors | Keaton Kirkwood | Real Estate Investing Canada08 Oct 202501:00:08

🎧 OSFI Rule Changes Explained: What Canada's New Mortgage Guidelines Mean for Real Estate Investors
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

There's been a wave of confusion and panic across Canada's real estate investing community this week β€” all sparked by a new OSFI announcement about the "capital treatment of income-producing residential real estate."

Mortgage brokers, influencers, and investors everywhere are talking about it β€” but what's actually changing? Is it really going to stop investors from using rental income to qualify for new properties?

In today's episode, mortgage expert Keaton Kirkwood joins Wayne & Gabby Hillier to break down exactly what this new rule clarification means (and doesn't mean) for investors. Together, they unpack how lenders are interpreting OSFI's statement, what it could mean for financing multiple properties, and why this might be less of a crisis than social media makes it seem.

They also dive into a related topic: whether it's possible to grow your portfolio using 5%-down insured mortgages β€” the legal way β€” and why cutting corners can cross into mortgage fraud.

🧠 What You'll Learn in This Episode

  • What OSFI's new rule actually says about using rental income across multiple mortgages

  • Why this change might not be as "dramatic" as the headlines suggest

  • How banks may interpret "income double-dipping" and what it means for investors

  • Why this isn't "the end of real estate investing in Canada" β€” just an evolution

  • How loan-to-income (LTI) ratios could tighten lending, and what to expect in 2026

  • Keaton's real-world take on how lenders will likely apply the rule

  • How to legally buy multiple homes using 5% down insured mortgages without committing fraud

  • Why your intent to occupy matters β€” and how to stay compliant

  • What overleveraging, poor liquidity, and risky strategies can do to your portfolio

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
πŸ‘‰ Order Now

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584β€ƒπŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.caβ€ƒπŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 finngo.com/reiβ€ƒπŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 kbmortgages.caβ€ƒπŸ“§ keaton@kbmortgages.caβ€ƒπŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249β€ƒπŸ“§ info@chmic.caβ€ƒπŸ†” FSRAO Lic.# 13267 & 13268

How to Involve Friends and Family in Real Estate Without Ruining Relationships | Joint Ventures | Real Estate Investing Canada07 Oct 202501:05:42

🎧 How to Involve Friends and Family in Real Estate Without Ruining Relationships
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

This episode dives deep into one of the trickiest parts of real estate investing β€” how to include friends and family in your business without damaging the relationship. Wayne and Gabby talk about professionalism, boundaries, and building trust when working with people who know you personally.

They explore how to treat your investing like a business, set expectations early, and avoid emotional pitfalls when friends or family become tenants or joint venture partners. This conversation is packed with real-world lessons from years of experience coaching investors through this exact challenge.

🧠 What You'll Learn in This Episode

  • How to transition from "friend or family member" to "professional investor"

  • Why excitement and emotion can lead to risky investing decisions

  • The biggest reason 90% of investors quit β€” and how to overcome it

  • Proven systems to build trust and credibility over time

  • Why renting to family or friends rarely works (and what to do instead)

  • How to structure win-win joint ventures that protect relationships

  • The essential boundaries and communication rules for successful partnerships

  • How to expand your network when no one in your circle is ready to invest

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Your Brand Is Your Reputation β€” What Are You Known For? | Real Estate Investing Canada | Alberta24 Oct 202501:04:54

🎧 Your Brand Is Your Reputation β€” What Are You Known For?
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today's episode, Wayne and Gabby dive deep into the power of personal branding for real estate investors β€” and why what people think of you matters just as much as what you actually do.

From softball to renovations to real estate, your reputation becomes your brand whether you choose it or not. The discussion covers how to intentionally shape what you're known for, the importance of consistency across your marketing, and how to connect authentically with your audience so they trust you β€” not just as an investor, but as a person.

Wayne also continues yesterday's conversation about unsecured debt, explaining how he and Gabby strategically used credit cards and lines of credit to fund renovations and creative deals safely β€” with calculated risk, strong systems, and impeccable credit.

🧠 What You'll Learn in This Episode

  • Why your personal brand is your most valuable asset in real estate investing

  • How to control what people say about you when you're not in the room

  • The difference between "bad debt" and "strategic debt"

  • How Wayne and Gabby safely used credit cards for BRRRR and creative deals

  • The mindset shift needed to move past fear of debt

  • How reputation builds opportunity and trust in your investing community

  • Why authentic connection matters more than posting about real estate nonstop

  • How to audit your current brand and reposition it for the future

πŸ‘₯ 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.

πŸ’‘ Resources & Contact
Learn about our Mentorship Program: www.reimasters.ca
Bookkeeping & Tax help: www.finngo.com/rei
Submit a question: info@reimorningshow.com

🎟️ Upcoming Event
Red Deer Real Estate Investing Meetup
Hosted by Amanda Dyck
πŸ“… Friday, October 24, 2025 – 6:00 PM
πŸ“ Red Deer, Alberta
πŸ”— Join the Event on Facebook

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

The Beliefs You Need to Unlearn About Money to Succeed in Real Estate | Real Estate Investing Canada | Gabby Hillier23 Oct 202501:21:36

🎧 The Beliefs You Need to Unlearn About Money to Succeed in Real Estate
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today's episode, Wayne and Gabby have a candid, vulnerable discussion about the beliefs around money, debt, and investing that can hold people back from ever reaching financial freedom. Gabby opens up about her early mindset around saving, spending, and debt, and how her perspective changed through real estate investing.

You'll also hear updates on the growing Red Deer investing community, shoutouts to REI Masters mentees doing big things, and a conversation about mentorship, growth, and what it really means to be coachable.

🧠 What You'll Learn in This Episode

  • The common money and debt beliefs that hold investors back

  • Gabby's real-life journey from "live for the weekend" to financial independence

  • The emotional side of taking on "good debt" and learning to manage fear

  • How understanding net worth changes your relationship with money

  • Why being coachable and asking questions is key to success

  • The difference between coaching and mentorship and why both matter

  • Red Deer's growing real estate community and how to get involved

  • How to attend the Red Deer Real Estate Investing Meetup hosted by Amanda Dyck

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

πŸ—“οΈ Upcoming Events
Red Deer Real Estate Investing Meetup β€” hosted by Amanda Dyck
Friday, October 24, 2025 at 6:00 PM (MT)
Details: https://www.facebook.com/share/1DLx8G6yL5/

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Townhouses With Condo Fees vs. Without: Which Is the Better Investment? | Real Estate Investing Alberta | Edmonton23 Oct 202500:31:39

🎧 Townhouses With Condo Fees vs. Without: Which Is the Better Investment?
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

This conversation was so good that we decided to give it its own episode. In this deep-dive discussion, Wayne and Gabby break down one of the most debated topics in Canadian real estate investing: Are townhouses with condo fees a good investmentβ€”or should you only buy freehold properties?

Wayne pulls back the curtain on how to analyze both types of townhouses using real data, not opinions, and explains why relying on "my realtor said" is one of the biggest mistakes investors make. Whether you're a new investor trying to understand condo fees or a seasoned pro looking for clarity, this episode will completely change how you evaluate townhouse deals.

🧠 What You'll Learn in This Episode

  • The real difference between condo-fee and freehold townhouses

  • How to determine which option gives you a better ROI and lower risk

  • What condo fees actually coverβ€”and how to read reserve fund studies properly

  • Why some investors are biased against condo properties (and how that impacts the market)

  • How to analyze risk, return, and appreciation potential based on real numbers

  • When paying condo fees might actually make more financial sense

  • How misinformation from unqualified Realtors and Facebook comments spreads bad investing habits

  • Why critical thinking and education beat "rules of thumb" every time

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Why You Should NEVER Invest With Other Investors | The $250K Lesson Every Canadian Needs to Hear | Real Estate Investing Canada23 Oct 202501:12:04

🎧 Why You Should NEVER Invest With Other Investors | The $250K Lesson Every Canadian Needs to Hear
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

When it comes to real estate investing, one of the biggest risks isn't the propertyβ€”it's who you trust with your money. In today's episode, Wayne and Gabby discuss a heartbreaking story from a listener who lost $250,000 investing with the wrong people and how investors can protect themselves from making the same mistake.

This episode exposes the harsh truth about unqualified investors raising capital, social media "gurus," and the dangers of trusting influencers over your own education. Wayne also breaks down how investors can make smarter, safer decisions by learning the fundamentals and understanding the numbers.

🧠 What You'll Learn in This Episode

  • Why you should never invest with other investorsβ€”and the $500 million mistake happening across Canada

  • The rise of fake confidence and bad advice in Facebook groups

  • How to spot unqualified or overconfident investors raising money online

  • Why understanding the fundamentals and the 5% Ruleβ„’ protects your capital

  • How education and data-based decision-making prevent financial losses

  • A listener's story of resilience and lessons learned after losing $250K

  • How to properly analyze risk, ROI, and demand before investing

  • The truth about townhouses with vs. without condo feesβ€”and how to evaluate each objectively

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Red Deer Real Estate: The Hidden Goldmine Between Edmonton and Calgary | Real Estate Investing Canada | Alberta21 Oct 202501:03:38

🎧 Red Deer Real Estate: The Hidden Goldmine Between Edmonton and Calgary
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Red Deer might be Alberta's most overlooked real estate market β€” but that's exactly what makes it exciting. In today's episode, Wayne & Gabby sit down with Krystal Kromm, investor-focused Realtor and active investor in Central Alberta, to break down why this mid-province market is starting to catch serious investor attention.

They dive into the latest stats, shifting market conditions, and how new city council decisions could open (or limit) housing opportunities β€” from garage suites and secondary suites to purpose-built rentals. Whether Red Deer grows in density or stays tight on inventory, both outcomes create opportunities for smart investors who understand timing and strategy.

🧠 What You'll Learn in This Episode

  • Why Red Deer is becoming a strategic middle ground for investors between Edmonton and Calgary

  • How recent municipal elections and housing policies could shape the city's growth

  • Market data: inventory up 32%, sales up 3.5%, and prices holding around $400K (+11% year-over-year)

  • Where the sweet spot for investors lies β€” detached homes in the $350K–$400K range

  • How new apartment builds may cool the 1–2 bedroom rental segment

  • Why garage suites and secondary suites could be the next major opportunity

  • What keeps Red Deer's rental demand high and vacancy rates low

  • The investor mindset: understanding how fewer builds can actually create more opportunity

πŸ‘₯ 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 moments, and tactical investing advice.

πŸ’‘ 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
πŸ“ž (587) 377-8584β€ƒπŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.caβ€ƒπŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/reiβ€ƒπŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.caβ€ƒπŸ“§ keaton@kbmortgages.caβ€ƒπŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249β€ƒπŸ“§ info@chmic.caβ€ƒπŸ†” FSRAO License Nos. 13267 & 13268

How to Winterize Your Rental Properties (and Avoid Costly Repairs This Winter) | Real Estate Investing Canada20 Oct 202501:04:37

🎧 How to Winterize Your Rental Properties (and Avoid Costly Repairs This Winter)
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

As the temperatures drop, Wayne and Gabby walk you through everything you need to do to winterize your rental properties before costly surprises hit. From draining outdoor lines to scheduling furnace maintenance, this episode breaks down the essential seasonal checklist every landlord needs to protect their investment.

They also answer a listener's question about joint ventures β€” specifically, how to respond when a money partner asks, "Why should I invest with you instead of just buying my own property and hiring a property manager?" Wayne delivers a powerful coaching moment on confidence, trust, and the emotional side of selling yourself as an investor.

🧠 What You'll Learn in This Episode

  • Why winterizing your properties protects your bottom line

  • The most common (and expensive) landlord mistakes during winter

  • How to schedule seasonal maintenance and inspections efficiently

  • Which tasks are your responsibilityβ€”not your tenant's

  • Gabby's complete winterization checklist for landlords

  • How to answer the tough JV question: "Why not just hire a property manager?"

  • Why confidence, not convincing, wins in joint venture conversations

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Edmonton Real Estate Market Update with Calvin Hexter | Fall 2025 Trends & Investor Insights | Real Estate Investing Alberta18 Oct 202501:01:04

🎧 Edmonton Real Estate Market Update with Calvin Hexter | Fall 2025 Trends & Investor Insights
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

This morning's episode dives deep into the Edmonton, Alberta real estate market with special guest Calvin Hexter from Calvin Realty.
Wayne and Gabby discuss what's really happening behind the numbers this fallβ€”whether the market is cooling, balancing, or presenting new opportunities for smart investors. Calvin joins to share fresh MLS stats, inventory trends, and where the best fix-and-flip and townhouse deals are emerging right now.

Plus, Wayne shares a behind-the-scenes look at a powerful mentorship coaching call on retirement planning for real estate investorsβ€”how to reverse-engineer your goals, project future equity, and build a strategy for long-term financial freedom.

🧠 What You'll Learn in This Episode

  • Current state of the Edmonton housing market heading into winter 2025

  • How to interpret inventory and days-on-market data like a pro

  • Why townhouses and fix-and-flips are surging in investor demand

  • How to identify motivated sellers and spot MLS bonus commission opportunities

  • Seasonality patterns investors should know when timing acquisitions

  • Real-world retirement planning strategies for property investors

  • The importance of critical thinking and forming your own market opinion

  • Teaser: Possible upcoming Fix & Flip Education Event with Calvin & Calvert

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
➑️ Order Now

🀝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers 13267 and 13268

Focus on ROI, Not Doors: The Most Important Lesson in Real Estate Investing | Real Estate Investing Canada16 Oct 202501:20:00
🎧 Focus on ROI, Not Doors: The Most Important Lesson in Real Estate Investing

Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today's powerful episode, Wayne and Gabby Hillier deliver what might be the most important message in Canadian real estate investing β€” why chasing more doors is one of the biggest traps in the industry, and why smart investors focus on return on investment (ROI) instead.

This show is a must-listen for every investor who wants to build real wealth and avoid the noise of "door-count" bragging. Wayne breaks down the math behind true investing success and exposes the gimmicks that mislead thousands of new investors.

He explains why smart investors measure returns, not doors, and how to shift your mindset to think like a professional investor. You'll also hear practical insights on mortgage strategy, portfolio roadblocks, and how to plan your financing roadmap the right way.

🧠 What You'll Learn in This Episode
  • Why "more doors" doesn't equal more wealth β€” and what to measure instead

  • The math behind return on investment and how to calculate it properly

  • How bad advice and "guru" marketing have misled investors

  • Why real estate investing is a hands-on business (and why that's a good thing)

  • The importance of working with an investor-focused mortgage broker

  • How to build a proper mortgage roadmap before buying your first property

  • What to do when you hit the "mortgage wall" and can't qualify for more

  • How to get strong returns even without appreciation β€” the "apples and trees" analogy

  • Why chasing status or speculation will kill your long-term wealth

  • The mindset shift that separates professional investors from amateurs

πŸ‘₯ 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.

πŸ’‘ 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% Ruleβ„’ book on Amazon: The 5% Ruleβ„’ – The Real Estate Cash Flow Test
Order Now β†’ https://a.co/d/3Xrcnhw

🀝 Thanks to Our Sponsors

🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
πŸ“ž (587) 377-8584
πŸ”— Facebook

🏒 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

πŸ—οΈ Calvert Home Mortgage Investment Corporation
πŸ“ž 403-278-0249
πŸ“§ info@chmic.ca
πŸ†” FSRAO License Numbers: 13267 and 13268

Should You Hire a Property Manager?14 Aug 202600:56:11
Should You Hire a Property Manager?

Should you hire a property manager for your rental properties, or should you manage them yourself?

For Wayne and Gabby, self-managing their rental portfolio was one of the scariest decisions they made early in their investing journey. It also became one of the biggest reasons their portfolio became more profitable and easier to scale.

In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby explain why they chose not to use traditional property management companies, how much that decision can potentially save, and the systems they built to manage rental properties across Alberta without constantly driving to them.

The goal is not to convince every investor that property managers are bad.

The goal is to understand the numbers, the trade-offs, and whether there may be a more profitable way to operate your rental business.

🧠 What You'll Learn
  • Why Wayne and Gabby chose to self-manage their rental properties

  • Why property management felt overwhelming in the beginning

  • How fear of the unknown keeps investors from managing their own properties

  • Why management fees can dramatically reduce early cash flow

  • How property management costs can affect your reserve fund

  • Why maintaining control of your rental business matters

  • The difference between delegating tasks and delegating decisions

  • How self-management can increase returns for joint venture partners

  • Why more properties inevitably create more problems

  • How systems prevent those problems from taking over your life

  • Why Wayne and Gabby keep virtually everything online

  • Why tenant communication happens primarily through email

  • How templates save time and reduce decision-making

  • Why clear tenant approval criteria matter

  • How to build a dependable local "power team"

  • Why Wayne and Gabby hire hourly local help instead of paying percentage-based management fees

  • How virtual assistants can help as a portfolio grows

  • How rental properties can be managed remotely without constantly visiting them

Why Self-Management?

The first major reason was simple:

Money.

Wayne explains that depending on the property and management agreement, traditional property management can cost thousands of dollars per property every year.

That expense can make an enormous difference during the early years of an investment when cash flow may already be tight.

If a rental property produces $300 per month in cash flow but almost all of that goes toward management fees, there may be very little left to build reserves for vacancies, repairs, furnaces, roofs, sewer lines or unexpected emergencies.

Wayne and Gabby wanted that money staying inside the rental business.

The Second Reason: Control

The other major reason was control.

Delegating a task is one thing.

Delegating important decisions about your investment is another.

Nobody has the same financial interest in your rental property that you do.

Wayne and Gabby wanted control over tenant communication, inspections, repairs, approvals and the decisions that ultimately affect the profitability of their investments.

That does not mean every property manager is bad.

It means the investor ultimately remains responsible for the investment.

More Properties Mean More Problems

Scaling does not eliminate property management problems.

It creates more of them.

More properties mean more tenants.

More tenants mean more maintenance requests, lease renewals, inspections, vacancies and unexpected situations.

Wayne and Gabby explain that the goal is not to eliminate every problem.

That is impossible.

The goal is to build systems so those problems do not control your schedule or interfere with the life you were trying to create through real estate investing in the first place.

Keep Everything Online

One of the biggest changes they made was moving virtually the entire property management business online.

Documents are centrally stored and accessible remotely.

Leases, mortgage information, property tax documents and other important information can be accessed quickly.

Tenant communication is primarily handled through email.

Gabby considers this one of the most important systems they implemented.

No unnecessary texting. No unnecessary phone calls. Keep communication documented and organized through email whenever possible.

That creates a clear record and makes the business easier to manage.

Create Templates for Everything

Over time, Wayne and Gabby stopped rewriting the same things repeatedly.

They developed templates for:

  • Tenant communications

  • Lease agreements

  • Questionnaires

  • Common email responses

  • Rental processes

  • Property management procedures

When a familiar situation occurs, they do not have to reinvent the solution.

They already know what to do.

The objective is to remove unnecessary decision-making from the business.

Build Clear Tenant Approval Systems

Tenant selection should not be based on constantly debating whether somebody seems good enough.

Wayne and Gabby created clear criteria.

Does the applicant meet the requirement?

Yes or no.

Check or X.

That makes tenant screening more consistent and easier to delegate while protecting the quality of the portfolio.

Build Your Power Team

Self-management does not mean doing every repair yourself.

Wayne and Gabby built a team of trusted local professionals who can handle repairs, maintenance and emergencies.

When something happens, the question is no longer:

"How am I going to fix this?"

It becomes:

"Who do I call?"

Their ideal power-team members are solution-oriented people who can inspect a problem, determine what needs to happen and move toward solving it without requiring Wayne or Gabby to personally supervise every step.

Delegate the In-Person Work

There are still tasks that require somebody to physically attend the property.

Showings.

Inspections.

Dropping something off.

Minor errands.

Basic on-site tasks.

Instead of paying a full property management fee, Wayne and Gabby use local people who can handle those jobs hourly when required.

Some years a property may need very little in-person assistance at all.

That creates a dramatically different cost structure than paying a percentage of rent every month.

What Can the Savings Look Like?

Wayne explains that property management fees can potentially amount to roughly $3,000 to $5,000 per property per year, depending on the property, rents, fees and management agreement.

Now apply that across a larger portfolio.

If an investor owned 20 properties and saved approximately $4,000 to $5,000 per property annually:

20 Γ— $4,000 = $80,000

20 Γ— $5,000 = $100,000

That represents potentially $80,000 to $100,000 per year staying inside the rental business instead of being paid toward management.

Those savings can improve cash flow, build reserves, increase returns and potentially even help an investor create enough income to leave another job.

Systems Create Freedom

Self-management does not mean spending every day dealing with tenants.

Done poorly, it absolutely can.

Done properly, Wayne and Gabby believe it can be the opposite.

Everything runs through systems.

Tenant communication has a system.

Maintenance has a system.

Tenant approval has a system.

Inspections have a system.

Documents have a system.

Emergencies have a system.

And as the portfolio grows, additional help can be added.

For Wayne and Gabby, that eventually included virtual assistants who can handle much of the day-to-day communication while they continue making the important decisions.

The objective is not to personally do everything.

The objective is to maintain control while delegating the work.

The Main Lesson

Hiring a property manager can absolutely make sense for some investors.

If property management is the only thing preventing you from buying a rental property, Wayne would rather see you hire someone than never invest at all.

But investors should not assume that outsourcing the entire operation is their only option.

With the right systems, templates, team and processes, it is possible to self-manage rental properties remotely while keeping significantly more money inside the investment.

For Wayne and Gabby, that became one of the foundations of building a profitable rental portfolio.

πŸ‘₯ About Your Hosts

Wayne and Gabby Hillier are full-time Canadian real estate investors, entrepreneurs and founders of REI Masters.

Through the Canadian Real Estate Investing Morning Show, they share practical lessons from building, buying and managing rental properties across Alberta.

πŸ’‘ Resources & Contact Remote Property Management Course

Learn the systems Gabby developed to self-manage rental properties remotely, including:

  • Setting up your systems and local team

  • Advertising and handling inquiries

  • Remote tenant screening

  • Lease agreements and expectations

  • Move-ins, move-outs and inspections

  • Maintenance and repairs

  • Late rent, disputes and evictions

50% off through Sunday, August 16, 2026.

🌐 www.reimasters.ca

Join the REI Masters Mentorship Program

Work directly with Wayne and Gabby on real estate investing strategy, acquisitions, property management, deal analysis and portfolio growth.

🌐 www.reimasters.ca

Get The 5% Ruleβ„’

Learn Wayne Hillier's framework for evaluating rental property cash flow and reducing investment risk.

Search The 5% Rule by Wayne Hillier on Amazon.

Watch the Show Live

The Canadian Real Estate Investing Morning Show broadcasts live at 7:00 AM Mountain Time on YouTube.

There will be no live shows Monday, August 17 through Wednesday, August 19 while Wayne and Gabby are away with family.

The show returns Thursday, August 20, 2026.

Follow Wayne Hillier – Real Estate Investing Coach on YouTube.

πŸ“§ info@reimorningshow.com

πŸ“… Upcoming Events REI Masters Edmonton Real Estate Investing Bus Tour

Edmonton, Alberta
August 22, 2026

Tour real Edmonton investment properties and learn why Wayne and Gabby purchased them, how they financed them, how they select tenants and how the deals fit into their investment strategy.

The tour will also include one of their multi-unit garden suite developments nearing completion.

Family friendly, with the kids' scavenger hunt returning.

Only a limited number of seats remain.

🌐 www.reimasters.ca/edmontonbustour

REIcon – The Summit Series

Edmonton, Alberta
September 11–13, 2026

Wayne and Gabby will be teaching due diligence, pre-closing preparation, property management and asset management.

The Canadian Real Estate Investing Morning Show will also be recorded live on stage Saturday morning.

🌐 reiconference.ca

🀝 Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team

🌐 www.calvinrealty.ca

Finngo Bookkeeping & Tax

Specialized bookkeeping and tax services for Canadian real estate investors.

🌐 www.finngo.com/rei

Kirkwood & Brennan Mortgage Group

Investor-focused mortgage planning for Canadian real estate investors.

🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

Write Stronger Real Estate Offers13 Aug 202601:00:08

Writing a real estate offer is simple.

Writing an offer that actually gets accepted is a different story.

In today's episode of the Canadian Real Estate Investing Morning Show, Wayne breaks down the key components of a real estate offer and shares his Stop, Look and Listen system for negotiating stronger deals.

The biggest mistake investors make is getting emotionally attached to a property before the negotiation even begins.

You do not need this deal.

Another deal will come.

Once you understand that, you can slow down, look at the situation objectively, gather information and build an offer around what actually matters to the seller.

🧠 What You'll Learn
  • The five main components of a real estate offer
  • Why investors make bad decisions when they get desperate
  • How to stay logical when competing for a property
  • Why price is only one part of an offer
  • How deposits can make an offer stronger
  • How conditions affect the seller's decision
  • Why possession dates can become a negotiating tool
  • How shorter condition periods can strengthen an offer
  • When an offer deadline can create urgency
  • Why you should understand the seller's motivation
  • How to identify leverage inside a property
  • Why property condition can help justify your offer price
  • How furnaces, hot water tanks and deferred maintenance affect long-term returns
  • Why communication and trust can matter as much as price
  • How to structure an offer so both sides can win
The Five Main Parts of an Offer

Wayne breaks most residential real estate offers down into a handful of components investors can actually control:

1. Included and excluded items

Appliances, sheds, air conditioners and other attached or unattached goods need to be identified.

2. Deposit

The size of the deposit can demonstrate how serious and financially prepared the buyer is.

3. Conditions

Common conditions include financing and home inspection, although additional conditions can be added depending on the property.

4. Possession date

A flexible possession date can sometimes be worth more to a seller than a slightly higher purchase price.

5. Price

Price matters, but it should not be the only part of the offer you negotiate.

The length of the condition period and the amount of time the seller has to accept the offer can also be used strategically.

Stop: Calm Down

The first part of Wayne's system is simple:

Stop.

One of the quickest ways to make a bad investment decision is to convince yourself that you have to own a particular property.

The moment investors become desperate, logic often disappears.

They start increasing their price.

They remove protections.

They worry that another buyer will take the property.

And suddenly they are negotiating against themselves.

Wayne's reminder is simple:

You do not need this deal.

Another opportunity will eventually come.

Once you accept that, it becomes much easier to evaluate the property objectively and negotiate from a position of confidence.

Look: Find the Leverage

Once you have removed the emotion, look at the situation.

What information is available?

Why might the seller be moving?

Is the property vacant?

Are there moving boxes throughout the house?

Has it been sitting on the market?

Does the property need repairs?

Is the furnace near the end of its life?

Is the hot water tank leaking?

Are the floors damaged?

Does the basement have water problems?

These details can help explain why your offer is structured the way it is.

Instead of simply throwing out a low number, you can justify your price based on real costs.

For example, if a furnace needs replacing and the hot water tank is already leaking, the buyer may need to spend thousands of dollars immediately after possession.

That information can become part of the negotiation.

The seller could replace those components before possession, or the purchase price could be adjusted to reflect the work required.

Listen: Understand What the Seller Actually Needs

The final part of the system is:

Listen.

What is the seller saying?

What is their realtor saying?

What information is available through the property?

What is their motivation?

Do they need a specific possession date?

Are they moving to another city?

Do they need certainty quickly?

Would a shorter condition period help them?

Would a larger deposit make them more comfortable?

The more you understand about the seller, the easier it becomes to build an offer around what matters to them.

And sometimes what matters most is not the highest price.

It might be certainty.

Timing.

A faster condition removal.

A larger deposit.

Or simply dealing with a buyer they believe will actually close.

Strong Offers Are Not Always Higher Offers

Wayne shares how he recently secured another cash-flowing Edmonton rental property before he had even personally walked through it.

He knew the neighbourhood.

He understood the numbers.

He knew what he was looking for.

And because the opportunity met his criteria, he was able to move quickly.

The offer was prepared before the property even had a lockbox installed.

Instead of waiting for more buyers to appear, Wayne submitted an aggressive offer with a short acceptance window.

The seller had a decision to make.

Accept a strong offer now or wait and hope something better arrived.

The offer was accepted.

That is the advantage of knowing exactly what you are looking for before the opportunity appears.

Do Not Reinvent the Wheel

Wayne and Gabby also discuss why real estate investing does not need to be complicated.

When you know what works, you can repeat it.

Find the types of properties that produce the strongest combination of:

  • Cash flow
  • Return on investment
  • Tenant demand
  • Low risk
  • Appreciation potential

Then learn those properties and neighbourhoods extremely well.

When the right opportunity appears, you can recognize it immediately.

That allows you to act faster than investors who are still trying to determine whether the deal makes sense.

Negotiation Should Create a Win

The goal is not to steal a property from somebody.

The goal is to find a deal that works for the investor while also solving the seller's problem.

Sometimes the seller needs the highest possible price.

Sometimes they need a specific possession date.

Sometimes they need certainty.

Sometimes they need the property sold quickly.

The only way to know is to gather information.

That is why Wayne's system comes back to three simple steps:

Stop. Look. Listen.

Stop being desperate.

Look for useful information and leverage.

Listen to what the seller actually needs.

Then use that information to write the strongest offer possible.

πŸ‘₯ About Your Hosts

Wayne and Gabby Hillier are full-time Canadian real estate investors, entrepreneurs and founders of REI Masters.

Through the Canadian Real Estate Investing Morning Show, they share practical lessons from building, buying, operating and managing rental properties across Alberta.

πŸ’‘ Resources & Contact Join the REI Masters Mentorship Program

Work directly with Wayne and Gabby on real estate investing strategy, acquisitions, negotiation, deal analysis, property management and portfolio growth.

🌐 www.reimasters.ca

Remote Property Management Course

Learn the systems Gabby uses to manage rental properties remotely.

🌐 www.reimasters.ca

Get The 5% Ruleβ„’

Learn Wayne Hillier's framework for evaluating rental-property cash flow and reducing investment risk.

Search The 5% Rule by Wayne Hillier on Amazon.

Watch the Show Live

Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube.

Follow Wayne Hillier – Real Estate Investing Coach on YouTube.

πŸ“§ info@reimorningshow.com

πŸ“… Upcoming Events REI Masters Edmonton Real Estate Investing Bus Tour

Edmonton, Alberta
August 22, 2026

Tour real Edmonton investment properties, including one of Wayne and Gabby's multi-unit garden suite projects nearing completion.

Tickets are limited.

🌐 www.reimasters.ca/edmontonbustour

REIcon – The Summit Series

Edmonton, Alberta
September 11–13, 2026

Wayne and Gabby will be presenting on due diligence, pre-closing preparation, property management and asset management.

The Canadian Real Estate Investing Morning Show will also be recorded live on stage Saturday morning.

🌐 reiconference.ca

🀝 Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team

🌐 www.calvinrealty.ca

Finngo Bookkeeping & Tax

Specialized bookkeeping and tax services for Canadian real estate investors.

🌐 www.finngo.com/rei

Kirkwood & Brennan Mortgage Group

Investor-focused mortgage planning for Canadian real estate investors.

🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

How to Build Wealth in Real Estate When Life Keeps Getting in the Way30 Jul 202601:20:50

Real estate investing doesn't happen in a perfect world.

Sometimes life throws unexpected challenges your wayβ€”floods, repairs, tenant issues, family responsibilities, or financial setbacks. The key isn't avoiding adversity. It's learning how to keep moving forward despite it.

In today's episode, Wayne and Gabby answer several real-world questions from listeners across Canada, including how to recover when a tenant backs out before moving in, what to do if you're approaching retirement with limited options, and how to build a rental portfolio that can adapt as markets change.

Along the way, they also share an honest behind-the-scenes update on navigating one of the busiest and most challenging seasons they've faced as investorsβ€”and why growth requires continuing to move forward, even when life tries to slow you down.

🧠 What You'll Learn
  • How to build a real estate portfolio that adapts as markets evolve.
  • Why Edmonton continues to offer some of Canada's strongest investment opportunities.
  • What to do when a tenant signs a lease but backs out before possession.
  • How landlords can protect themselves using proper lease documentation.
  • Why cash flow and risk management matter more than chasing appreciation.
  • Options for investors approaching retirement with limited capital.
  • How networking and relationships can become your greatest investing asset.
  • Why personal growth is just as important as portfolio growth.
πŸ‘₯ About Your Hosts

Wayne Hillier is a full-time real estate investor, entrepreneur, and Canadian Real Estate Investing Coach. After building a large portfolio of cash-flowing rental properties, Wayne now helps Canadians invest safely using proven systems focused on cash flow, risk management, and long-term wealth.

Gabby Hillier is a real estate investor and property management expert specializing in landlord systems, tenant screening, lease agreements, and creating scalable rental property operations.

Together they host the Canadian Real Estate Investing Morning Show, providing free coaching for Canadian real estate investors every weekday morning.

πŸ’‘ Resources & Contact

πŸŽ“ Learn more about the REI Masters Mentorship Program:
https://www.reimasters.ca

πŸ“– Get your copy of The 5% Ruleβ„’:
https://www.amazon.ca/dp/B0F4KGV3SR

πŸ“§ Questions for the show?
info@reimorningshow.com

πŸŽ™οΈ Join us live every weekday morning for free coaching on the Canadian Real Estate Investing Morning Show.

πŸ“… Upcoming Events

REI Masters Edmonton Real Estate Investing Bus Tour
πŸ“… August 22, 2026
🌐 www.reimasters.ca/edmontonbustour

🀝 Sponsors

Calvin Realty
Investor-focused real estate services in Edmonton.
🌐 www.calvinrealty.ca

Finngo Bookkeeping & Tax
Specialized bookkeeping and tax services for Canadian real estate investors.
🌐 www.finngo.com/rei

Kirkwood & Brennan Mortgage Group
Investor-focused mortgage planning and financing.
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

Why Developers Love Edmonton & Calgary (And What Most Investors Are Getting Wrong) | Wayne Hillier | Real Estate Investing Alberta24 Feb 202601:06:34

🎧 Why Developers Love Edmonton & Calgary (And What Most Investors Are Getting Wrong)
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode started with some fun… Miami burritos, onion peeling stations, and some real talk about rental property realities.

But underneath the laughs was a serious investor lesson.

We broke down why developers are flocking to Edmonton and Calgary, what record housing starts actually mean for investors, and the hard truth about tenant expectations in brand-new builds.

If you're building, buying rentals, or thinking about developing β€” this one matters.

🧠 What You'll Learn in This Episode

  • Why Alberta led Canada in housing starts per capita

  • What makes Edmonton and Calgary developer-friendly markets

  • How cheap, easy, and fast approvals attract builders

  • Why demand matters more than "new and shiny"

  • The reality of tenant wear and tear (and why expectations need adjusting)

  • Why overbuilding rental supply could pressure rents

  • The mistake investors make chasing "high-end tenants"

  • When premium renovations make sense β€” and when they don't

πŸ— Why Developers Love Edmonton & Calgary

Edmonton ranked #1 and Calgary #5 in Canada for ease and affordability of building.

Here's why:

  • No provincial sales tax

  • Lower development fees

  • Faster permit approvals

  • AI-assisted municipal processes

  • Land availability

  • Strong population growth

Add in federal incentives like GST removal on purpose-built rentals and CMHC MLI Select β€” and you've got a development-friendly environment.

But here's the key:

Developers build where demand exists.

And right now? That demand has been rental housing.

πŸ“‰ The Rental Supply Shift

Alberta experienced:

  • Massive population growth

  • Ultra-low vacancy rates

  • Surging rents

Developers responded.

Now we may be overshooting.

More supply means:

  • Higher vacancy rates

  • Potential rent stabilization (or softening)

  • Increased competition

That doesn't mean opportunity is gone.

It means strategy matters more than ever.

🏠 The Hard Truth About Brand-New Rentals

Wayne shared a powerful reality check today:

Brand-new, high-end rentals do not guarantee high-end tenants.

In fact:

  • Many tenants live differently than investors expect

  • Wear and tear happens fast

  • "Unicorn tenants" are rare

  • Over-renovating can destroy profitability

This isn't about judgment.

It's about realistic expectations.

Smart investors:

  • Buy rent-ready, not luxury-finished

  • Focus on durable materials

  • Control renovation costs

  • Protect cash flow

High-end finishes often only make sense when preparing to sell β€” not for long-term rentals.

🎯 The Bigger Lesson

Cheap. Easy. Fast.

That's why developers love Alberta.

But investors must ask:

Is there still demand when my project finishes 12–18 months from now?

Speculation without demand is gambling.

Building with demand is investing.

πŸ‘₯ 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.

πŸ’‘ 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

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

Capital Cost Allowance in Canada: How to Depreciate Your Rental Properties | Steve Tsonev | Real Estate Investing Canada23 Feb 202601:04:39

🎧 Capital Cost Allowance in Canada: How to Depreciate Your Rental Properties
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode focused on Capital Cost Allowance (CCA) and how Canadian real estate investors can use depreciation strategically to reduce taxable rental income.

We were joined by Steve Tsonev from Finngo Bookkeeping & Tax, who broke down how CCA works in Canada, why it's a deferral strategy (not a loophole), and what investors need to understand about recapture when they sell.

This conversation is especially important for investors who are scaling and starting to feel the weight of taxable rental income.

We also discussed a recent Edmonton real estate article and what it signals for local investors. The episode connected tax planning, local market awareness, and long-term portfolio strategy.

🧠 What You'll Learn in This Episode

  • What Capital Cost Allowance (CCA) is and how it works in Canada

  • How depreciation reduces taxable rental income

  • Why CCA is a tax deferral strategy, not permanent tax savings

  • What recapture means when you sell

  • When it makes sense to claim CCA β€” and when it doesn't

  • Insights from Steve Tsonev on aligning tax strategy with investing goals

  • Key takeaways from the Edmonton real estate article discussed

  • Why serious portfolio builders think beyond one tax year

πŸ‘₯ 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.

πŸ’‘ Resources & Contact

Learn about our Mentorship Program: www.reimasters.ca
Bookkeeping & tax help: www.finngo.com/rei
Submit a question: info@reimorningshow.com

πŸ“˜ The 5% Ruleβ„’ – A Real Estate Cash Flow Test for Canadian Investors
https://a.co/d/jdZaBXM

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course
Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

Garage Suites, Tenant Payment Plans & This or That | Real Estate Investing Canada23 Feb 202601:04:14

🎧 Garage Suites, Tenant Payment Plans & This or That
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode was completely open agenda. No preset topic. Just live questions from listeners and real conversations about what's actually happening in your portfolios.

We covered garage suite numbers, payment plans with struggling tenants, damage deposit policies, taxes vs evictions, and wrapped it up with a fun round of "This or That."

🧠 What You'll Learn in This Episode

  • Why garage suites on existing properties are often difficult to make cash flow

  • The hidden costs investors underestimate when building backyard suites

  • Why your default answer to payment plans should usually be no

  • How to think about risk exposure when tenants fall behind

  • Why possession is everything before handing over keys

  • The non-negotiables before giving a tenant access to your property

  • The mindset difference between taxes and evictions

  • How experience shapes better screening decisions

πŸ‘₯ 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.

πŸ’‘ Resources & Contact

Learn about our Mentorship Program: www.reimasters.ca
Bookkeeping & tax help: www.finngo.com/rei
Submit a question: info@reimorningshow.com

πŸ“˜ The 5% Ruleβ„’ – A Real Estate Cash Flow Test for Canadian Investors
https://a.co/d/jdZaBXM

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course
Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

How Joint Venture Splits Actually Work (Part 2) | Wayne Hillier | Real Estate Investing Canada20 Feb 202601:02:31

🎧 How Joint Venture Splits Actually Work (Part 2)
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Joint ventures are one of the most powerful tools for scaling your real estate portfolio, yet they are also one of the most misunderstood.

In today's episode, Wayne and Gabby go deeper than ever into how joint venture splits actually work. This is Part 2 of the discussion, and it covers the real-world mechanics behind 50/50 splits, contract structure, renegotiation myths, refinance strategies, and tax considerations in Canada.

If you want to scale beyond what your own income and borrowing power allow, this episode is essential listening.

🧠 What You'll Learn in This Episode

  • Why the standard 50/50 joint venture split exists and what it truly represents

  • The difference between a money partner and a managing partner

  • How to confidently explain your value as the expert partner

  • When and why a split might change from 50/50 to 60/40 or 70/30

  • Why leaving more meat on the bone early can accelerate long-term scaling

  • What should be included in a strong joint venture contract

  • How additional capital contributions should be handled

  • Why Canada does not have a 1031 exchange and what to do instead

  • How refinancing can help redeploy capital without triggering immediate tax

πŸ‘₯ 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.

πŸ’‘ 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

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course
Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

If you want to scale your portfolio faster, joint ventures are not optional. They are leverage.

And leverage done properly changes everything.

How Joint Venture Splits Actually Work (Part 1) | Wayne Hillier | Real Estate Investing Canada18 Feb 202601:03:50

🎧 How Joint Venture Splits Actually Work (And Why Most Investors Get It Wrong) – Part 1
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode was sparked by a listener email from a newer investor navigating their first real joint venture conversation… and realizing they couldn't confidently explain how the profit splits actually work.

If you've ever hesitated when someone asked, "Wait… how does this really work?" β€” this episode is for you.

Wayne breaks down:

  • How joint venture profit splits actually work

  • What happens at sale

  • What happens during refinances

  • How cash flow is typically handled

  • The biggest misconception new investors (and their spouses) have

  • Why understanding this deeply changes your confidence in JV conversations

And yes… this is Part 1. We're continuing tomorrow.

🧠 What You'll Learn in This Episode
  • The 3 profit centers in a joint venture: cash flow, refinance proceeds, and sale proceeds

  • Why the capital partner does NOT split their original investment 50/50

  • How equity is treated when a property is sold

  • Two different ways to handle refinance proceeds

  • Why Wayne prefers returning capital before taking profits

  • The difference between greed vs long-term wealth building

  • How to explain risk properly to potential JV partners

  • Why cash flow is your storm protection strategy

πŸ‘₯ 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.

πŸ’‘ 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

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

Tomorrow: Part 2 β€” deeper dive into JV objections, risk conversations, and how to sell the opportunity properly.

If you're currently having JV conversations, this might be the most important two-part series we've done in a while.

Three Things I Wish I Knew When I Started in Real Estate Investing (Gabby's Version) | Gabby Hillier | Real Estate Investing Canada17 Feb 202601:05:52

🎧 Three Things I Wish I Knew When I Started in Real Estate Investing (Gabby's Version)
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Back from a weekend full of soccer, snow, Family Day, and Costa Rica countdowns, today's episode took a powerful turn.

Wayne shared his three lessons last week.

Today was Gabby's turn.

And if you're a newer investor, this one might hit harder than you expect.

This wasn't about multifamily vs. single family.
This wasn't about cap rates or BRRRRs.

This was about mindset. Identity. Growth. And comparison.

🧠 What You'll Learn in This Episode
  • Why tenant problems are not your personal responsibility

  • How to separate empathy from business decisions

  • Why growth requires a different version of you

  • How discomfort builds confidence

  • Why comparison silently kills momentum

  • How social media is being used backwards by most investors

  • Why staying in your own lane is the fastest way to reach your goals

1️⃣ This Is a Business β€” Their Problems Are Not Yours

One of Gabby's biggest early lessons:

"This is a business, and all the problems my tenants face are theirs, not mine."

That doesn't mean you stop being empathetic.

But it does mean:

  • Their car breaking down is not your emergency.

  • Their employer paying them late is not your financial burden.

  • Their personal crisis does not override your systems.

Early on, it's emotionally exhausting.
You feel responsible. You question yourself.

But here's the shift:

You can care without carrying.

If bending the rules benefits your business, do it strategically.

If it doesn't?
Stick to your systems.

That's not cold.
That's disciplined.

2️⃣ Growth Requires a Different Version of You

This business will change you.

If you want your portfolio to grow, you must grow.

There is no way around it.

Gabby shared something powerful:

You must become comfortable being uncomfortable.

Wayne reframed it:

It's not about tolerating discomfort.
It's about building confidence.

Every uncomfortable decision:

  • Builds proof

  • Builds experience

  • Builds healthy ego

  • Builds certainty that you can handle hard things

And once you've handled something a few times?

It no longer rattles you.

That anxiety you felt in year one?
It barely registers in year five.

Not because you're hardened.

Because you're stronger.

3️⃣ Comparison Is the Killer of Success

This was the mic-drop moment.

"Comparison is the killer of success."

In today's world, this is harder than ever.

Social media:

  • Shows highlight reels

  • Shows "100 doors in 12 months"

  • Shows "3 properties in 3 weeks"

  • Shows everyone "winning"

But here's what happens when you compare:

  • Your confidence erodes

  • Your motivation drops

  • Your happiness declines

  • You forget your own goals

You start driving someone else's route.

And that's when you hit the ditch.

Stay in your lane.

If your goal is 3 rental properties, own that.

If your goal is 30, own that too.

"Only" and "small" are comparative words.

If you stopped comparing, your goals would feel sufficient.

🚫 Social Media Is Being Used Backwards

Most people use social media to compare.

But it's actually a marketing tool.

You're not supposed to log on to measure yourself against others.

You're supposed to:

  • Share your confidence

  • Share your journey

  • Market your belief in yourself

Instead, most people:

  • Scroll

  • Compare

  • Doubt

  • Shrink

It's backwards.

Use it to build your brand, not destroy your confidence.

🎯 The Real Mentorship Lesson

The tactical stuff?

  • Deal analysis

  • Financing structures

  • BRRRRs

  • Market data

That's easy.

The hard part?

Helping someone rediscover the confidence they lost years ago.

The belief.
The "I can do this."

Because that's what determines who endures.

And endurance is rare.

πŸ‘₯ 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.

πŸ’‘ 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

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

If you take one thing from today:

Write this down.

Comparison is the killer of success.

Stay in your lane.
Build your confidence.
And endure.

I Was Doing It All Wrong When I Started in Real Estate | Wayne Hillier | Real Estate Investing Canada13 Feb 202601:13:51
🎧 I Was Doing It All Wrong When I Started in Real Estate

Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

When I first got started in real estate investing, I thought I was doing everything right.

I worked overtime.
I saved aggressively.
I said yes to every extra shift.
I tried to do it all myself.

And for a while… it worked.

But I was moving slowly. I was stressed. And I was building the wrong way.

In today's episode, I break down exactly what I did when I started, where I went wrong, and the mindset shift that completely changed the trajectory of our portfolio.

🧠 What You'll Learn in This Episode
  • What I focused on when we bought our first rental

  • Why saving alone is not a scalable strategy

  • The mistake I made trying to do everything myself

  • When I realized joint ventures were inevitable

  • How seller financing changed everything

  • Why people didn't trust us at first

  • The real key to building trust and credibility

  • The mindset shift that eliminated fear of judgment

Β 

πŸ‘₯ 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.

πŸ’‘ 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

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

3 Things I Wish I Knew When I Started Investing in Real Estate | Wayne Hillier | Real Estate Investing Canada12 Feb 202601:06:17

🎧 3 Things I Wish I Knew When I Started Investing in Real Estate
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode was raw, real, and powerful.

No leftover questions. No email backlog. Just an honest breakdown of the three biggest lessons Wayne wishes he had understood when he first started investing.

If you're early in your journey β€” or even a few properties in β€” this one will hit.

🧠 What You'll Learn in This Episode

  • Why letting emotions drive your investing decisions is dangerous

  • The hidden risk of buying in your hometown "because it feels safer"

  • Why what worked yesterday won't work tomorrow in real estate

  • The uncomfortable truth about trusting advice in this industry

  • Why motion beats perfection every single time

  • A deep breakdown of house hacking and whether it's truly worth it

  • Why joint ventures are inevitable if you want to scale

  • How caring about what others think may be your biggest obstacle

πŸ‘₯ 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.

πŸ’‘ Resources & Contact

Learn about our Mentorship Program:
πŸ‘‰ www.reimasters.ca

Bookkeeping & tax help:
πŸ‘‰ www.finngo.com/rei

Submit a question for the show:
πŸ“§ info@reimorningshow.com

πŸ“˜ Get Wayne's Book:
The 5% Ruleβ„’ – A Real Estate Cash Flow Test for Canadian Investors
πŸ‘‰ https://a.co/d/jdZaBXM

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

This episode was less about tactics and more about mindset.

If you're circling the runway instead of landing the plane… it might be time to stop worrying about what people think and start moving.

Because motion beats perfection.

And joint ventures aren't optional if you want to scale.

See you tomorrow morning at 6am MT.

Why I Walked Away From a "Great Deal" Strata Townhouse | Real Estate Investing Canada | Edmonton10 Feb 202601:09:32

🎧 Why I Walked Away From a "Great Deal" Strata Townhouse
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode is a real behind-the-scenes look at how an experienced investor evaluates risk, uncovers hidden problems, and knows when to walk away. Wayne breaks down a real strata townhouse deal in Edmonton that looked great on the surface but fell apart during due diligence.

This is a masterclass in how not to get burned by condo documents, special assessments, and misunderstood risks.

🧠 What You'll Learn in This Episode

  • Why "cheap" strata townhouses often come with hidden problems

  • How special assessments really work (and how they can quietly kill a deal)

  • The danger of interest-only condo loans and poorly managed reserve funds

  • Why fixed-term leases with under-market rent can drastically change returns

  • How to properly evaluate condo documents, bylaws, and meeting minutes

  • The difference between investor risk and JV partner risk

  • Why walking away is sometimes the smartest investing move

πŸ‘₯ 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 air every weekday morning featuring real deals, coaching moments, and tactical investing advice you can actually use.

πŸ’‘ 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

πŸ“˜ Get the Book
The 5% Ruleβ„’ – A Real Estate Cash Flow Test for Canadian Investors
πŸ‘‰ https://a.co/d/jdZaBXM

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

  • Why Edmonton is one of Canada's strongest cash flow markets

  • The economic drivers shaping Edmonton's growth

  • How to analyze neighborhoods for cash flow and upside

  • The five main asset types and how they perform

  • Tenant selection strategies that protect your returns

  • How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

How to Assess a Condo Townhouse Strata Due Diligence for Investors | Real Estate Investing Canada | Alberta09 Feb 202601:04:04

🎧 How to Assess a Condo Townhouse | Strata Due Diligence for Investors
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode was a full masterclass on how to properly assess a condo or strata townhouse before buying. Triggered by a listener question, Wayne breaks down the real-world due diligence process investors need to follow to avoid bad surprises, special assessments, and poorly managed condo corporations.

This is an episode you'll want to save, bookmark, and share with anyone considering condo or townhouse investing.

🧠 What You'll Learn in This Episode

  • What condo (strata) fees actually cover and why they aren't "good" or "bad" on their own

  • How to tell the difference between low fees due to good management vs mismanagement

  • Why walking the complex is a critical first step before reviewing documents

  • How condo boards, bylaws, and enforcement directly impact property values

  • What condo documents really matter and what each one tells you

  • The role of estoppel certificates, financial statements, and insurance certificates

  • Why meeting minutes are one of the most important (and most overlooked) documents

  • How reserve fund studies work and how to spot future special assessment risk

  • Why hiring a professional condo doc review company is worth the cost

  • How experienced investors find opportunity where others get scared away

πŸ‘₯ 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 investor questions, coaching moments, and practical investing education.

πŸ’‘ Resources & Contact

Learn about the REI Masters Mentorship Program:
www.reimasters.ca

Bookkeeping & tax help for investors:
www.finngo.com/rei

Submit a question for a future episode:
info@reimorningshow.com

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

  • Why Edmonton is one of Canada's strongest cash flow markets

  • The economic drivers shaping Edmonton's growth

  • How to analyze neighborhoods for cash flow and upside

  • The five main asset types and how they perform

  • Tenant selection strategies that protect your returns

  • How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

How We Built Our Real Estate Investing Empire (Starting with Just $15,000)29 Jul 202601:19:48

How We Built Our Real Estate Investing Empire (Starting with Just $15,000)

In this episode, Wayne and Gabby pull back the curtain on their entire real estate investing journeyβ€”from starting with debt and a single $15,000 down payment to building a large real estate portfolio, multiple businesses, and achieving financial freedom. They explain the strategies they used at each stage of their journey, why they adapted to changing markets, and how everyday Canadians can follow a similar path.

🧠 What You'll Learn
  • How Wayne and Gabby got started with almost no money.
  • Why your first investing strategy shouldn't be your last.
  • The importance of adapting to changing real estate markets.
  • How turnkey rentals helped build the foundation.
  • Why joint ventures accelerated portfolio growth.
  • How Agreements for Sale transformed their investing business.
  • Using Rent-to-Own to solve cash flow challenges.
  • How BRRRR investing and legal basement suites created rapid growth.
  • Why Edmonton townhouses became one of their best-performing investments.
  • How they identified the Garden Suite opportunity before most investors.
  • The role entrepreneurship played alongside real estate investing.
  • Why education dramatically shortens the learning curve.
  • Lessons they would repeatβ€”and what they'd do differently if starting over today.
πŸ‘₯ About Your Hosts

Wayne Hillier is a Canadian real estate investor, entrepreneur, and real estate investing coach with more than 15 years of investing experience. He specializes in helping Canadians build sustainable, cash-flowing rental portfolios using proven systems and long-term investing strategies.

Gabby Hillier is a real estate investor, entrepreneur, and systems expert who has developed the property management, bookkeeping, and operational systems that power their growing portfolio and businesses.

Together, they host the Canadian Real Estate Investing Morning Show, providing free real estate investing education every weekday morning.

πŸ’‘ Resources & Contact

πŸŽ“ Join the REI Masters Mentorship Program
https://www.reimasters.ca

πŸ“˜ Get Wayne's book: The 5% Ruleβ„’
https://www.amazon.ca/dp/B0F5DVKPXF

πŸ“§ Email your questions:
info@reimorningshow.com

πŸŽ™οΈ Watch the show live every weekday morning.

🀝 Sponsors

Calvin Realty
Investor-focused real estate services in Edmonton.
https://www.calvinrealty.ca

Finngo Bookkeeping & Tax
Specialized bookkeeping and tax services for Canadian real estate investors.
https://www.finngo.com/rei

Kirkwood & Brennan Mortgage Group
Investor-focused mortgage planning and financing.
https://www.kbmortgages.ca
keaton@kbmortgages.ca

πŸ“… Upcoming Events REI Masters Edmonton Real Estate Investing Bus Tour

August 22, 2026
https://www.reimasters.ca/edmontonbustour

Edmonton Market Shift Creates New Investor Opportunities | January 2026 Update with Calvin Hexter | Real Estate Investing Canada06 Feb 202601:01:23

🎧 Edmonton Market Shift Creates New Investor Opportunities | January 2026 Update with Calvin Hexter
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Markets change. Smart investors adapt.

In today's episode, Wayne and Gabby break down what shifting conditions in Edmonton's rental and real estate markets actually mean for investors who are paying attention. While headlines focus on rising vacancies and changing dynamics, this episode reframes the conversation around opportunity, preparation, and long-term strategy.

Later, investor-focused Realtor Calvin Hexter joins the show with January 2026 Edmonton real estate stats to help investors understand where momentum is building, where pricing is stabilizing, and how to position yourself heading into the spring market.

This episode is about learning how to win in any market cycle.

🧠 What You'll Learn in This Episode

  • Why changing rental conditions can actually favor prepared investors

  • How market cycles create buying opportunities most people miss

  • What rising inventory means for negotiation power and deal selection

  • How to position your rentals to stay competitive and attract quality tenants

  • Why strong cash flow matters most when markets normalize

  • January 2026 Edmonton real estate stats and what they signal for spring

  • Where demand is increasing across different asset types

  • How buyers and sellers can both succeed in a balanced market

🏘️ Edmonton Rental Market: A Reset, Not a Problem

Wayne explains that Edmonton's rental market is shifting from an unusually tight period back toward balance β€” something experienced investors expect and plan for.

Key takeaways:

  • Balanced rental markets reward good operators

  • Well-priced, well-presented rentals still perform strongly

  • Cash-flow-focused investors gain resilience and flexibility

  • Long-term investors benefit most during normalization periods

Gabby shares proactive landlord strategies that thrive in competitive environments:

  • Smarter pricing based on real market data

  • Improving listings to stand out visually and emotionally

  • Responding faster and removing friction for good tenants

  • Treating leasing like a business, not a favor

πŸ“Š January 2026 Edmonton Real Estate Market Stats (with Calvin Hexter)

  • Condo apartment values showing strong upward momentum

  • Increased inventory creating more choice for buyers

  • Days on market rising, offering better negotiation windows

  • Multiple-offer scenarios still present in high-demand areas

  • Market conditions trending toward balance β€” historically ideal for investors

Calvin breaks down how:

  • Buyers gain leverage without losing momentum

  • Sellers can succeed with proper pricing and preparation

  • Investors can align acquisitions with long-term cash flow goals

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton or scaling your portfolio strategically?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

  • Why Edmonton remains one of Canada's strongest cash flow markets

  • The economic drivers supporting long-term growth

  • How to analyze neighborhoods for both stability and upside

  • The five main asset types and how they perform in different cycles

  • Tenant strategies that protect cash flow

  • How to buy rental properties that work in any market

πŸ‘‰ Learn more and register at:
www.reimasters.ca

πŸ‘₯ 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.

πŸ’‘ Resources & Contact

Learn about our Mentorship Program:
www.reimasters.ca

Bookkeeping & tax help:
www.finngo.com/rei

Submit a question for the show:
info@reimorningshow.com

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

Buying Off-Market Properties Without Getting Burned | Real Estate Investing Canada | Wayne Hillier05 Feb 202601:06:47
🎧 Buying Off-Market Properties Without Getting Burned

Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Buying off-market properties can feel intimidating, especially if you're used to the comfort and structure of MLS transactions. In today's episode, Wayne and Gabby walk through exactly how off-market purchases work, what actually changes when there's no realtor involved, and how investors can protect themselves legally and financially.

The conversation also expands into broader investing lessons, including why simple, boring deals often outperform flashy strategies, how the age and structure of a property impacts long-term value, and why many investors overcomplicate their path to wealth. Wayne shares candid insights on scaling, bandwidth, and the real reason experienced investors prioritize ease and repeatability over "home run" deals.

🧠 What You'll Learn in This Episode

  • How buying off-market properties compares to buying through the MLS

  • What stays the same in the purchase process and what changes without a realtor

  • The biggest risks investors face in off-market deals and how to avoid them

  • How negotiation changes when you're dealing directly with a seller

  • Why trust (or lack of it) can make or break an off-market transaction

  • Common contract and deposit mistakes investors make when no agent is involved

  • Where deposits should be held and why giving money directly to a seller is risky

  • Timing pitfalls around inspections, financing, lawyers, and possession dates

  • Why experienced investors prefer simple, scalable deals over flashy strategies

  • How a property's age, structure, and remaining lifespan affect long-term value

πŸ‘₯ 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.

πŸ’‘ 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

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier
Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

How Much Income Do You REALLY Need to Qualify for a Mortgage? | Keaton Kirkwood | Real Estate Investing Canada04 Feb 202601:03:36

🎧 How Much Income Do You REALLY Need to Qualify for a Mortgage?
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

This morning's episode gets real about mortgage qualification β€” and why so many investors hit a wall even when they "make good money."

Investor-focused mortgage broker Keaton Kirkwood joins us to break down the actual math behind qualifying for rental properties in Canada, using real Edmonton examples. We talk surplus income, car payments, lender differences, and why small decisions can make or break your ability to build a portfolio.

If you've ever asked yourself "Why won't the bank approve me?" β€” this episode answers it.

🧠 What You'll Learn in This Episode

  • How much gross income you actually need to qualify for a rental property

  • Why lenders focus on surplus income, not just salary

  • The hidden impact of car payments, rent, and personal debt

  • Why a $150/month difference can decide if you build a portfolio or not

  • How different lenders treat non-subject rental properties

  • Why many high-income earners still can't qualify

  • The importance of using an investor-focused mortgage broker

πŸ‘₯ 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, joint ventures, flips, and creative real estate strategies.

New episodes every weekday morning featuring real coaching conversations, market insights, and tactical investing advice.

πŸ’‘ Resources & Contact
Learn about the REI Masters Mentorship Program:
www.reimasters.ca

Bookkeeping & tax help for real estate investors:
www.finngo.com/rei

Submit a question for the show:
info@reimorningshow.com

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

🏫 Edmonton Real Estate Investing Course
Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

  • Why Edmonton is one of Canada's strongest cash-flow markets

  • The economic drivers shaping Edmonton's growth

  • How to analyze neighborhoods for cash flow and upside

  • The five main asset types and how they perform

  • Tenant selection strategies that protect your returns

  • How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

The Power of Community & Networking in Real Estate Investing With Patrick Mooney | Real Estate Investing Canada | Edmonton03 Feb 202601:02:16

🎧 The Power of Community & Networking in Real Estate Investing
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Building wealth in real estate is not a solo sport. In today's episode, Wayne and Gabby break down why community and networking are "rocket fuel" for your growth as an investor, and how surrounding yourself with the right people helps you move faster, make better decisions, and stop second-guessing everything. You'll also hear a live networking exercise you can copy today to start building your investor circle.

Special guest Patrick Mooney joins the show to share how networking helped accelerate his investing journey, plus details on the Edmonton Real Estate Investor Meetup happening this weekend.

🧠 What You'll Learn in This Episode

  • Why trying to do real estate alone slows you down

  • The real value of community (support, confidence, resources, momentum)

  • A simple networking exercise to meet investors instantly

  • How to break the ice and stop feeling awkward at events

  • Why networking works best when you're not showing up with an agenda

  • How meetups help you learn faster by seeing real deals and real results

  • How to use "coffee chats" (in-person or Zoom) to build your investing circle

πŸ‘₯ Special Guest
Patrick Mooney is an Edmonton-based real estate investor focused on long-term buy-and-hold strategies and projects that require light improvements. He is the co-host of the Edmonton Real Estate Investor Meetup, a free monthly event designed to create a safe, welcoming space for investors at all stages to connect, learn, and grow.

πŸ“ Edmonton Real Estate Investor Meetup (This Weekend)

  • Saturday, February 7 | 12:00 PM – 2:00 PM

  • Hosted at a recently completed fix-and-flip with a full walkthrough and lessons learned

  • Search Facebook for "Edmonton Real Estate Investor Meetup" to register

πŸ‘₯ 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.

πŸ’‘ 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

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier

Thinking about investing in Edmonton but not sure where to start, or maybe you're wondering if it's really the right market for you?

Edmonton is quickly becoming one of Canada's top markets for real estate investors, and we're here to show you exactly how to make the most of it.

Our eight-week online program gives you the blueprint to invest with confidence and build a strong cash-flowing portfolio in Edmonton, Alberta.

In just eight weeks, you'll uncover:

  • Why Edmonton's economic drivers are putting this city on the map

  • The Edmonton advantage and what makes this market stand out from the rest

  • A better understanding of the five different asset types and which perform the best

  • How to analyze neighborhoods for cash flow and growth

  • The secret to finding great tenants

  • How to choose rental properties that actually make you money

Whether you're brand new or looking to grow your portfolio, this program gives you the tools and strategies to succeed in the Edmonton market.

πŸ‘‰ Learn more and register at:
www.reimasters.ca

Calgary Real Estate Market Shifts & How to Scale Using Equity (Without Running Out of Money) | Real Estate Investing Canada | Alberta02 Feb 202601:05:31
Calgary Market Shifts & How to Scale Using Equity (Without Running Out of Money)

Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode dives into two big topics investors are asking about right now:
how to properly scale a portfolio using equity without over-leveraging, and what's actually happening in the Calgary real estate and rental markets heading into spring 2026.

Wayne breaks down complex concepts in plain language, walks through real examples, and shares why "mastering your market" matters more than ever.

🧠 What You'll Learn in This Episode
  • How equity really works (and why you're not "losing" money when you refinance)

  • The difference between debt, equity, and net worth when scaling

  • Step-by-step explanation of cash-out refinances vs HELOCs

  • How one property can realistically turn into two, four, or eight over time

  • Why debt servicing matters more than just appreciation

  • Calgary's December market surprise and what it signals for 2026

  • Which Calgary property types are under the most pressure

  • Why rents are falling and vacancy rates are rising

  • What investors must do differently in a 5% vacancy market

  • Why beginners should be cautious in Calgary right now

  • How experienced investors find opportunity when others hesitate

πŸ“Š Calgary Market Snapshot (Key Takeaways)
  • December 2025 briefly showed seller-market conditions due to low supply

  • Average Calgary home price down ~3.2% year over year

  • Condos hit hardest with ~6.6% price decline

  • Average rent now around $1,875

  • Vacancy rate hovering near 5%

  • Heavy new construction continues to pressure rents

  • Market is increasingly neighborhood, price-point, and asset-type specific

Bottom line: Calgary is no longer a market for "spray and pray" investing. Precision matters.

🎯 Wayne's Core Message

Real wealth isn't built by guessing the market top or bottom.
It's built by:

  • Understanding leverage properly

  • Operating rentals like businesses

  • Managing risk with systems and cash flow

  • Becoming a true expert in your chosen market

Most investors miss opportunities not because they aren't smart, but because they don't know what to look for yet.

πŸ‘₯ 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, joint ventures, flips, and creative real estate strategies.

New episodes air every weekday morning featuring real deals, real coaching, and real market insight.

πŸ’‘ Resources & Contact

Learn about the REI Masters Mentorship Program:
πŸ‘‰ www.reimasters.ca

Investor bookkeeping & tax support:
πŸ‘‰ www.finngo.com/rei

Submit a question for the show:
πŸ“§ info@reimorningshow.com

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course walks you through:

  • Why Edmonton remains one of Canada's strongest cash-flow markets

  • Economic drivers shaping long-term growth

  • How to analyze neighborhoods properly

  • The five main asset types and how they perform

  • Tenant selection strategies that protect returns

  • How to buy rentals that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

Calories In, Cash Flow Out: The Math Behind Health, Wealth, and Smarter Investing | Real Estate Investing Canada29 Jan 202601:06:25

🎧 Calories In, Cash Flow Out: The Math Behind Health, Wealth, and Smarter Investing
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode started unscripted and turned into a deep dive on something that affects every investor: understanding the math behind decisions. Wayne continued yesterday's conversation on health, calories, and discipline, then tied it directly into cash flow, risk, and profitability in real estate investing.

This episode is about stopping the guesswork, understanding the rules of the game, and making intentional decisions in both your personal life and your rental portfolio.

🧠 What You'll Learn in This Episode

  • Why most people are "winging it" with money, health, and investing

  • Calories in vs calories out and why you can't outwork bad inputs

  • Why tracking numbers beats motivation every time

  • The real math behind cardio, weight loss, and sustainable habits

  • How "cash flow = safety" in real estate investing

  • Practical ways to reduce expenses and increase cash flow in rentals

  • Why proactive maintenance saves more money than reactive repairs

  • How small decisions compound into massive long-term outcomes

πŸ‘₯ About Your Hosts

Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through the 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.

πŸ’‘ 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

πŸ“˜ Get the book:
The 5% Ruleβ„’ – A Real Estate Cash Flow Test for Canadian Investors
https://a.co/d/jdZaBXM

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

Understanding The Math Behind Health And Real Estate Wealth | Real Estate Investing Canada28 Jan 202601:30:18
Understanding the Math Behind Health and Real Estate Wealth

Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Most people believe progress comes from motivation, discipline, or finding the "right" program.

In reality, progress comes from understanding the math.

In today's episode, Wayne breaks down how the same simple math principles apply to health, weight loss, and real estate investing, and why ignoring the numbers keeps people stuck for years.

This is a practical, no-fluff conversation about systems, discipline, delayed gratification, and why simplicity often exposes the real problem.

🧠 What You'll Learn in This Episode
  • Why simplicity is confronting but necessary

  • The basic math behind weight loss and calorie deficits

  • Why you can't outwork a bad diet

  • How real estate wealth follows the same compounding math

  • Why most investors quit before results show up

  • The danger of chasing instant gratification

  • How systems beat motivation every time

  • Why understanding the numbers removes excuses

πŸ‘₯ About Your Hosts

Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, joint ventures, and creative real estate strategies.

πŸŽ™ New episodes every weekday morning featuring real coaching moments, real numbers, and real investor lessons.

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-Week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

  • Why Edmonton is one of Canada's strongest cash flow markets

  • The economic drivers fueling long-term growth

  • How to analyze neighborhoods properly

  • The five main asset types and how they perform

  • Tenant selection strategies that protect your returns

  • How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

πŸ’‘ Resources & Contact

πŸ“˜ Learn about the REI Masters Mentorship Program:
www.reimasters.ca

πŸ“Š Investor bookkeeping & tax help:
www.finngo.com/rei

πŸ“© Submit a question for the show:
info@reimorningshow.com

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

Taxes, Deductions & Getting Ready for 2025 Filing Season | Steve Tsonev | Finngo | Real Estate Investing Canada27 Jan 202601:05:45

🎧 Taxes, Deductions & Getting Ready for 2025 Filing Season
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

With tax season right around the corner, today's episode dives deep into what real estate investors need to know before they hand anything off to their accountant. Wayne & Gabby are joined by Steve Tsonev, Managing Partner at Finngo Bookkeeping & Tax, to break down preparation, deductions, common mistakes, and how to make tax season way less stressful.

If you own rental properties, are filing your first return with rental income, or just want clarity on what's deductible and what's not β€” this episode is a must-listen.

🧠 What You'll Learn in This Episode

  • When real estate investors should start preparing for personal and corporate tax filings

  • The most common rental property expenses investors forget to include

  • How Finngo's checklist and client portal simplify tax prep

  • What's deductible vs. capitalized for rental properties

  • Vehicle expenses, mileage tracking, and CRA expectations

  • How home office expenses apply to rental properties

  • First-time home buyer tax credits and what documentation is required

  • Cash-for-keys payments β€” when they are deductible and when they're not

  • Why working with an investor-focused accountant matters

πŸ‘₯ About Your Guest

Steve Tsonev is the Managing Partner at Finngo Bookkeeping & Tax, one of Canada's leading investor-focused accounting firms. Steve specializes in working with real estate investors, business owners, and corporations across Canada, helping them reduce tax liability, stay compliant, and build long-term wealth through smart tax strategy and systems.

πŸ‘₯ 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, joint ventures, flips, and creative real estate strategies.

πŸŽ™ New episodes every weekday morning featuring real investor stories, coaching moments, and tactical advice.

πŸ’‘ Resources & Contact

Learn about the REI Masters Mentorship Program:
πŸ‘‰ www.reimasters.ca

Investor-focused bookkeeping & tax help:
πŸ‘‰ www.finngo.com/rei

Submit a question for the show:
πŸ“§ info@reimorningshow.com

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

Β 

🏫 Edmonton Real Estate Investing Course
Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

πŸ”Ή Why Edmonton is one of Canada's strongest cash flow markets
πŸ”Ή The economic drivers shaping Edmonton's growth
πŸ”Ή How to analyze neighborhoods for cash flow and upside
πŸ”Ή The five main asset types and how they perform
πŸ”Ή Tenant selection strategies that protect your returns
πŸ”Ή How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca/edmontonΒ 

When a Seller Accepts… Then Backs Out | Early Lease Renewals | Rental Property Taxes | Real Estate Investing Canada26 Jan 202601:06:57

🎧 When a Seller Accepts… Then Backs Out | Early Lease Renewals | Rental Property Taxes
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode kicks off with a real-world deal story that most investors will never experience: an offer accepted below list price, no counter… and then suddenly pulled back. Wayne breaks down exactly what happened, how it was handled, and the lessons investors need to take away when navigating fast-moving deals, multiple parties, and verbal acceptances.

From there, the show moves into several high-impact listener questions covering lease renewals, common-law relationships, agreements for sale, and how to properly think about taxes when analyzing rental properties.

🧠 What You'll Learn in This Episode

  • What it means when a seller accepts an offer without countering, and why it can be a red flag

  • How to handle verbal acceptances, signing authority, and messy estate situations

  • Why speed matters when a property checks all your boxes

  • The right timing and process for sending early lease renewal offers to tenants

  • How common-law relationships can impact real estate ownership and risk

  • Whether you can assign an Agreement for Sale to a joint venture partner

  • When a Power of Attorney is useful (and when it is not)

  • Why taxes should not be deducted from cash flow in deal analysis

  • The biggest misconception investors have about paying tax on rental income

πŸ‘₯ 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.

πŸ’‘ Resources & Contact

Learn about our Mentorship Program:
www.reimasters.ca

Bookkeeping & tax help (investor-focused):
www.finngo.com/rei

Submit a question for the show:
info@reimorningshow.com

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca
πŸ”— Facebook

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
πŸ”— Facebook

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca
πŸ”— Facebook

🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

  • Why Edmonton is one of Canada's strongest cash flow markets

  • The economic drivers shaping Edmonton's growth

  • How to analyze neighborhoods for cash flow and upside

  • The five main asset types and how they perform

  • Tenant selection strategies that protect your returns

  • How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

A Rental Property That Never Appreciated (And Still Made $200,000) | Real Estate Investing Canada | Edmonton23 Jan 202601:08:03

🎧 A Rental Property That Never Appreciated (And Still Made $200,000)
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode is a masterclass in understanding how real money is actually made in real estate, even when appreciation never shows up. Wayne walks through a real Edmonton property that hasn't increased in value in eight years, yet still produced over $200,000 in total profit through forced equity, mortgage paydown, and cash flow. The conversation challenges common investor myths, breaks down the math most people never run, and explains why timing, market mastery, and education matter more than hype or hope.

🧠 What You'll Learn in This Episode

  • Why appreciation is never guaranteed and should not be your strategy

  • A real Edmonton suited-house deal that never went up in value

  • How $95,000 in forced equity was created through renovation

  • Why that same property produced $105,000 in profit over eight years anyway

  • How a perfect BRRRR returned 100% of invested capital

  • Why the deal produced an infinite ROI after refinancing

  • How market timing made this deal possible (and why it no longer works today)

  • Why most investors drastically overestimate or underestimate returns

  • The danger of copying past strategies without understanding today's market

  • Why mastering your local market is non-negotiable

  • How education and repetition create confidence and better decisions

πŸ‘₯ 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, joint ventures, fix and flips, and conservative cash-flow-first investing strategies.

New episodes air live every weekday morning at 6:00 AM MT, offering free coaching, real deal breakdowns, and unfiltered investing education.

πŸ’‘ Resources & Contact

Learn about the REI Masters Mentorship Program:
www.reimasters.ca

Mortgage guidance for investors:
www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

Bookkeeping & tax support for investors:
www.finngo.com/rei

Submit a question for the show:
info@reimorningshow.com

🀝 Thanks to Our Sponsors

🏠 Calvin Realty – Edmonton Investor-Focused Realtor
🌐 calvinrealty.ca

πŸ“Š Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei

πŸ’Ό Kirkwood & Brennan Mortgage Group – Investor-Focused Mortgage Brokers
🌐 www.kbmortgages.ca
πŸ“§ keaton@kbmortgages.ca

🏫 Edmonton Real Estate Investing Course

Thinking about investing in Edmonton but not sure where to start?

Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including:

  • Why Edmonton is one of Canada's strongest cash flow markets

  • The economic drivers shaping Edmonton's growth

  • How to analyze neighborhoods for cash flow and upside

  • The five main asset types and how they perform

  • Tenant selection strategies that protect your returns

  • How to buy rental properties that actually make money

πŸ‘‰ Learn more and register at:
www.reimasters.ca

Β© My Podcast Data Β· Independent project Β· Data from Apple & Spotify