What You Need for a Mortgage on Your First Rental Property In 2026 | Keaton Kirkwood | Real Estate Investing Canada | Alberta

🎧 What You Need for a Mortgage on Your First Rental Property In 2026 (Investor Guide) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode is all about what new real estate investors need to know before applying for their first rental property mortgage. Wayne and Gabby kick things off with live audience engagement, market chatter, and a real-world landlording discussion before welcoming investor-focused mortgage broker Keaton Kirkwood to break down rental mortgage fundamentals in plain English. This episode is designed to remove fear, confusion, and misinformation around rental property financing — especially for first-time investors who want clarity before taking action. 🧠 What You'll Learn in This Episode Why rental property mortgages are assessed very differently than primary residences How lenders calculate income, debt service ratios, and rental income Why "cash flow positive" deals can still show as losses on paper to lenders Common mistakes investors make that hurt mortgage qualification How car loans, credit cards, and lines of credit impact borrowing power The difference between lender policy vs. federal (OSFI) rules Why investor-focused mortgage brokers matter What documents you should have ready before applying for a rental mortgage 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question for the show: [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected] 🔗 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 👉 Learn more and register at: www.reimasters.ca