Winter Investing Strategy, Reserves, and Refinance Decisions | Real Estate Investing Canada | Edmonton

🎧 Winter Investing Strategy, Reserves, and Refinance Decisions Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier This morning's episode took an unexpected turn when our scheduled guest couldn't make it, so Wayne and Gabby turned the mic over to the community and delivered a high-value, unscripted deep dive into real-world investor strategy. From reserve funds and vacancies to refinancing decisions and long-term portfolio planning, this episode is packed with practical insights pulled straight from active investing experience. 🧠 What You'll Learn in This Episode How much cash you should realistically keep in a reserve fund Why vacancies, repairs, and replacements must all be planned together The difference between vacancy reserves vs true operating reserves When it makes sense to refinance a rental property (and when it doesn't) Cash-out refinance vs re-amortizing to increase monthly cash flow How refinancing strategy changes as you move from growth to stability Why strong reserves reduce risk in joint ventures and partnerships How experienced investors think about equity, leverage, and safety 👥 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 investing conversations, coaching moments, and tactical advice you can actually use. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Submit a question for the show: [email protected] 📘 Get the book: The 5% Rule™ – 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 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected]