Real Estate Investing Morning Show ( REI Investment in Canada )

Canadian Real Estate Investing Morning Show – July 28, 2026 Should you buy a single-family home, a duplex, or even both sides of a half duplex? In today's episode, Wayne and Gabby answer a listener email that explores one of the most common questions new real estate investors ask. They break down why choosing between a single-family home and a duplex isn't about the property type—it's about the numbers. They discuss how professional investors evaluate rental properties based on cash flow, return on investment, tenant profile, risk, and long-term appreciation potential. Wayne also explains why buying both sides of a duplex isn't always the advantage many investors think it is. The episode also includes an update on Edmonton's historic rainfall, the challenges it's creating for landlords, and why maintaining a healthy reserve fund is one of the most important principles of successful real estate investing. 🧠 What You'll Learn Whether a single-family home or duplex makes the better investment Why investment decisions should always be based on the numbers The advantages and disadvantages of buying both sides of a duplex How to evaluate return on investment instead of relying on emotion Why cash flow is one of the best risk mitigators in real estate How tenant profile should influence your buying decisions Why one mortgage isn't automatically better than two The importance of reserve funds during unexpected expenses Lessons from Edmonton's ongoing flooding and how experienced investors prepare for situations like this 👥 About Your Hosts Wayne Hillier is a Canadian Real Estate Investing Coach, entrepreneur, and active real estate investor with nearly 15 years of investing experience. He specializes in helping Canadians build profitable rental property portfolios using proven systems that reduce risk while maximizing long-term wealth. Gabby Hillier is a real estate investor and entrepreneur who oversees operations at REI Masters while helping investors build sustainable real estate businesses through practical systems and education. 💡 Resources & Contact 🎓 Join the REI Masters Mentorship Program https://www.reimasters.ca 📘 Get Wayne's Book – The 5% Rule™ Available on Amazon 📧 Email: [email protected] 🎥 Watch the Canadian Real Estate Investing Morning Show live every weekday on YouTube. 📅 Upcoming Events REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REIcon – The Summit Series September 11–13, 2026 https://reiconference.ca/ Hosted by Calvin Realty 🤝 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 📧 [email protected]

Ethical Off-Market Real Estate Deals: Helping Sellers Without Taking Advantage Off-market real estate investing has a reputation problem. Too often, investors are taught to search for desperate homeowners, exploit difficult circumstances and negotiate the lowest possible price. In this episode, Wayne and Gabby explain why that approach is not only unethical—it is also unnecessary. This is Part 2 of their series on sourcing great off-market deals, but the focus goes beyond flyers, direct mail, bandit signs and websites. The bigger conversation is about how investors should conduct themselves when dealing with motivated sellers. Wayne explains the important difference between a desperate seller and a motivated seller. A motivated seller may need speed, certainty, flexibility or a creative solution. That does not mean an investor should use the situation to strip as much value away from them as possible. A good off-market deal should solve a real problem. The seller should receive the outcome they need, while the investor creates value through knowledge, creativity, market expertise and the ability to see opportunities others may overlook. Wayne and Gabby also discuss the uncomfortable reality that when an investor purchases a property below market value, the seller is receiving less. That makes integrity, transparency and self-awareness especially important. The goal should be to create wealth without manipulating people or building a business at someone else's expense. The episode also covers scalable lead-generation methods, including flyers, direct mail, bandit signs and websites, while examining the type of sellers those strategies attract and the responsibility investors have when those calls come in. 🧠 What You'll Learn The difference between motivated sellers and desperate sellers Why words like "desperate" reveal an investor's underlying mindset How to source off-market deals without exploiting homeowners Why a good transaction should create value for both sides The ethical responsibility that comes with buying below market value How market knowledge can create profit without aggressively lowering the seller's price Why investors should focus on solving problems instead of taking advantage of them How flyers and direct mail can generate off-market leads at scale The benefits and limitations of casting a wider marketing net Why bandit signs often attract homeowners experiencing fear, shame or urgency How to respond responsibly when a vulnerable seller contacts you When websites make sense for lead generation Why artificial intelligence has made online marketing easier—and more competitive How wholesalers and buy-and-hold investors should use different lead strategies Why long-term success should include integrity, reputation and a clear conscience 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches with approximately 15 years of experience. Through REI Masters, they help Canadian investors identify profitable opportunities, understand their markets and build sustainable portfolios without relying on misleading tactics, unrealistic promises or exploitative business practices. 💡 Resources & Contact Learn About the REI Masters Mentorship Program 🌐 www.reimasters.ca Get Your Copy of The 5% Rule™ Available on Amazon Contact the Show 📧 [email protected] The Canadian Real Estate Investing Morning Show streams live every weekday morning with Wayne and Gabby Hillier. 📅 Upcoming Events REI Masters Edmonton Real Estate Investing Bus Tour 📍 Edmonton, Alberta 📅 August 22, 2026 🌐 www.reimasters.ca/edmontonbustour Tour profitable Edmonton investment properties, including cash-flowing rentals and a multi-unit garden suite development. Learn how Wayne, Gabby and REI Masters students evaluate real deals based on cash flow, returns and risk. REIcon — The Summit Series 📅 September 11–13, 2026 🌐 https://reiconference.ca/ Hosted by Calvin Realty Edmonton Garden Suites 101, originally scheduled for July 25, 2026, was cancelled. A new date will be announced. 🤝 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 📧 [email protected]

Our Rental Property Was Broken Into—Then the Basement Flooded A break-in at one of our vacant Edmonton rental properties quickly turned into a much larger disaster. After entering through a basement window, the intruder appears to have shut off the electrical panel—possibly to disable the security system. Unfortunately, that also shut off the sump pump that had been keeping the basement dry during Edmonton's extremely wet summer. By the time our contractor arrived, his tools had been stolen and the entire basement was covered in water. In today's episode, we share the bizarre series of events, how we responded and why unexpected disasters are part of building a large rental portfolio. We also discuss the systems, reserve funds, experience and support investors need to remain calm when something goes wrong. Real estate investing is not completely passive, and problems are inevitable. The goal is not to eliminate every possible risk. It is to understand the risks, prepare for the most likely outcomes and build the confidence to handle whatever happens next. 🧠 What You'll Learn How a property break-in caused an Edmonton basement to flood Why shutting off the electrical panel also disabled the sump pump The additional challenges Alberta property owners are facing during a summer of heavy rainfall Why owning more properties naturally exposes you to more repairs, emergencies and unusual situations How strong systems and reliable contractors make portfolio problems easier to manage Why every rental property should have a healthy reserve fund The difference between blindly taking a risk and making a calculated investment decision How knowledge and experience create confidence during stressful situations Why investors must focus on what they can control and let go of what they cannot How coaching and community help investors prepare for problems before they personally experience them 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and coaches with approximately 15 years of experience building and managing rental properties. Through REI Masters, they help Canadian investors find profitable opportunities, build strong portfolios and develop the knowledge, systems and confidence required to succeed over the long term. 💡 Resources & Contact Learn About the REI Masters Mentorship Program 🌐 www.reimasters.ca Get Your Copy of The 5% Rule™ Available on Amazon Contact the Show 📧 [email protected] The Canadian Real Estate Investing Morning Show streams live every weekday morning with Wayne and Gabby Hillier. 📅 Upcoming Events Edmonton Garden Suites 101 📍 Edmonton, Alberta 📅 July 25, 2026 🌐 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour 📅 August 22, 2026 🌐 www.reimasters.ca/edmontonbustour REIcon — The Summit Series 📅 September 11–13, 2026 🌐 https://reiconference.ca/ Hosted by Calvin Realty 🤝 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 📧 [email protected]

🎧 The 35% Rent-to-Income Rule for Tenant Screening Tenant screening is one of the most important parts of owning rental properties—and one of the most stressful. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby break down one of the most important rules they use when deciding whether to approve a tenant: the 35% Rent-to-Income Rule. The idea is simple: the rent should not exceed 35% of the tenant's gross monthly household income. This rule helps landlords determine whether a tenant can realistically afford the property—not just on a perfect month, but when life happens. Wayne and Gabby explain why most tenants do not wake up one day and decide not to pay rent. In most cases, missed rent starts with an affordability problem. A job loss, reduced hours, car repair, sick child, vet bill or unexpected expense can quickly create a cash-flow crisis for tenants who were already stretched too thin. This episode explains how landlords can use affordability as one of the strongest tenant screening filters, while also protecting good tenants from moving into a property they may not truly be able to afford. 🧠 What You'll Learn Why tenant screening feels so risky for new landlords Why affordability is one of the most important screening factors Why good tenants can still default if the rent is too high How Wayne and Gabby use the 35% Rent-to-Income Rule Why rent should not exceed 35% of gross monthly household income How to calculate rent-to-income quickly Why the rule applies to total household income, not just one applicant Why credit score, references and background checks are not enough How tenant debt payments can change the affordability picture Why vehicle loans, credit cards and lifestyle spending matter Why landlords should avoid bending their rules for "nice people" How affordability protects both the landlord and the tenant Why Canada's affordability crisis is making tenant screening harder How rent levels can reveal whether your property fits the tenant profile Why buying the right rental property starts with understanding who can afford it 📊 The 35% Rent-to-Income Rule Wayne and Gabby use a simple affordability test: Monthly Rent ÷ Gross Monthly Household Income = Rent-to-Income Ratio The rent should ideally be 35% or less of the household's gross monthly income. Example: Rent: $2,000/month Gross household income: $6,500/month $2,000 ÷ $6,500 = 30.7% That tenant would pass the initial affordability test because the rent is below the 35% threshold. But this rule is not the end of the screening process. It is the first major filter. Landlords still need to review: Credit report Employment and income verification Debt obligations Landlord references Background checks Lifestyle affordability Overall tenant profile 🏡 Why This Rule Matters Wayne explains that landlords are not just screening out "bad tenants." They are trying to avoid placing good people into bad financial situations. A tenant may have a great job, good references and strong intentions, but if the rent is too high compared to their income, one unexpected event can create a missed payment. That creates stress for the tenant and the landlord. The 35% rule helps identify whether there is enough room in the tenant's budget to handle normal life disruptions without immediately putting the rent at risk. 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio using strong tenant screening systems, rental property fundamentals, cash-flow analysis and risk reduction strategies. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help Canadian investors buy better properties, screen better tenants, manage risk and build sustainable real estate portfolios. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Want help learning how to screen tenants, analyze rental properties or self-manage your portfolio? Book a one-on-one coaching call: 🌐 www.reimasters.ca Learn how to analyze rental property cash flow using Wayne's book: The 5% Rule™: A Cash Flow Test for Canadian Real Estate Investors Available on Amazon. Have a real estate investing question you would like answered on the show? 📧 [email protected] The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REIcon: The Summit Series September 11–13, 2026 Hosted by Calvin Realty 🌐 https://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 📧 [email protected]

*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]" dir="auto" data-turn-id= "request-6a4e6bd9-b770-83e8-b730-324004da771f-6" data-turn-id-container= "request-6a4e6bd9-b770-83e8-b730-324004da771f-6" data-testid= "conversation-turn-102" data-turn="assistant"> 🎧 Why Every Real Estate Deal Needs a Backup Plan Real estate investing does not always go according to plan. That is why experienced investors do not just look at the upside—they build backup plans before they ever enter the deal. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby share a real-life example from one of their rent-to-own properties where the tenant buyer decided not to move forward with the purchase. For many investors, that could create panic. But because Wayne and Gabby had already planned for that possibility, the deal still worked. Instead of being forced to sell at the wrong time or accept a bad outcome, they were able to pivot, turn the property into a regular rental, increase the monthly rent, improve cash flow and keep the property as a stronger long-term asset. Wayne also explains how this same thinking applies across real estate investing, from flooded basements and insurance claims to rent-to-own agreements, tenant issues, reserve funds and market cycles. The key lesson is simple: before buying any property, investors need to know what they will do if Plan A does not work. 🧠 What You'll Learn Why every real estate deal needs a backup plan Why assuming everything will go perfectly is dangerous How Wayne thinks through multiple outcomes before buying Why systems reduce panic when problems happen How reserve funds protect investors during unexpected events Why the 5% Rule™ helps investors weather storms What Edmonton's heavy rain taught landlords about preparation Why proper cash flow matters during emergencies How rent-to-own deals can go off track Why rent-to-own is an option to purchase, not an obligation What happens when a tenant buyer walks away Why documentation and email paper trails matter How to respond when a tenant buyer wants out Why a rent-to-own property should still work as a regular rental How Wayne and Gabby turned a failed rent-to-own into a stronger rental Why market timing matters when deciding whether to sell or hold How rental demand can change the best exit strategy Why backup plans can sometimes become more profitable than Plan A 🏡 Featured Deal: Rent-to-Own Backup Plan Wayne and Gabby had a rent-to-own property where the tenant buyers were several years into the program. The tenant buyers were good people, made their payments, followed the program and were on track. But eventually, they reached out and asked what would happen if they decided not to continue. Because rent-to-own gives the tenant buyer an option to purchase—not an obligation—they were allowed to walk away. Instead of panicking, Wayne and Gabby reviewed their options: Sell the property Re-list it as another rent-to-own Renovate and sell Rent it for six months and sell later Add it to the long-term rental portfolio Because the property still passed the 5% Rule™ and rental demand had increased, they chose to keep it as a rental property. 📊 Key Lesson From the Episode Wayne explains that when they originally structured the rent-to-own deal, they made sure the property would still work as a rental if the tenant buyer did not purchase. That backup plan became critical. When the tenant buyer walked away, the property had increased in value, the market rent had increased by approximately $300 per month, and the property became a stronger long-term hold. Instead of losing money, the failed rent-to-own created a more profitable outcome. 🌧️ Why Reserves Matter Wayne and Gabby also discuss the recent heavy rain and flooding in Edmonton. Several landlords are dealing with water issues, flooded basements, insurance claims and expensive remediation. Wayne explains that this is exactly why investors need strong cash flow, proper reserves and systems in place before problems happen. You cannot predict every storm—but you can build a portfolio that can survive one. 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio using strong fundamentals, creative deal structuring, rent-to-own strategies, joint venture partnerships, reserve planning and long-term cash-flow systems. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help investors reduce risk, build profitable portfolios and make smarter real estate decisions. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Learn how to analyze cash flow using Wayne's book: The 5% Rule™: A Cash Flow Test for Canadian Real Estate Investors Available on Amazon. Have a real estate investing question you would like answered on the show? 📧 [email protected] The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REIcon: The Summit Series September 11–13, 2026 Hosted by Calvin Realty 🌐 https://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 📧 [email protected]      

*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]" dir="auto" data-turn-id= "request-6a4e6bd9-b770-83e8-b730-324004da771f-1" data-turn-id-container= "request-6a4e6bd9-b770-83e8-b730-324004da771f-1" data-testid= "conversation-turn-92" data-turn="assistant"> 🎧 How to Save for Your First Real Estate Down Payment Getting the first down payment is one of the biggest hurdles for new real estate investors. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby talk about how aspiring investors can start finding the money for their first home or rental property—not by chasing complicated strategies, but by looking at where money is already leaking out every month. Wayne explains why many Canadians feel stuck financially, even when they are earning decent income. Money comes in, automated payments go out, and before they know it, there is nothing left to put toward a down payment. This episode is a wake-up call for anyone who wants to buy their first property but keeps feeling like they cannot get ahead. Wayne and Gabby discuss the everyday spending habits that quietly drain thousands of dollars per year, including groceries, eating out, delivery apps, subscriptions, rent, lifestyle inflation and vehicle payments. They also explain why buying your first home intentionally can become a major stepping stone toward future real estate investing. Instead of buying only for lifestyle, new buyers can choose a property that may later become a rental property, allowing them to build equity, save for the next move and get their first piece on the board. 🧠 What You'll Learn Why saving the first down payment is often the hardest part Why making more money is not always the first solution How to find money that is already leaking out every month Why automated payments make spending harder to notice How groceries have become a major hidden expense Why eating out and food delivery can quietly destroy savings How subscriptions and apps drain money in the background Why rent and housing choices can make or break your savings plan How vehicle payments can delay your investing journey Why lifestyle decisions often matter more than income How buying your first home can become your first rental property Why a first property should be chosen with future investing in mind How a 5% down payment on a personal residence can be a major advantage Why getting your first property gives you a piece on the board How equity growth can help fund future down payments Why temporary sacrifice can change your family's financial trajectory 🏡 The First Property Strategy Wayne explains that if you do not yet own a home, your first purchase can be part of your real estate investing plan. Instead of buying a "forever home" right away, you may be able to buy a practical first home that works for your current lifestyle and could later become a rental property. That first home can help you: Enter the market with a smaller down payment Build equity over time Learn how property ownership works Create your first future rental property Use equity later for the next purchase Start building long-term wealth through real estate The goal is not just to buy a house. The goal is to make your first purchase intentional. 💸 Where the Money May Be Leaking Wayne and Gabby discuss several areas where many people may be losing thousands of dollars per year without realizing it: Groceries Food costs have increased dramatically, and small grocery decisions can add up quickly. Eating Out and Delivery Apps Restaurants, SkipTheDishes, fast food, coffee, ice cream and convenience meals can quietly consume a large part of the monthly budget. Housing Choices Living in a more expensive rental or larger home than necessary can delay your ability to save. Apps and Subscriptions Streaming platforms, premium apps, yearly renewals and forgotten subscriptions can continue charging in the background. Vehicle Payments Expensive vehicles, high-interest loans, depreciation, insurance and repairs can become one of the biggest barriers to building wealth. Wayne's message is not that people need to live cheaply forever. The point is to make temporary sacrifices long enough to get the first down payment and start building momentum. 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio while using real estate to create flexibility, wealth, freedom and opportunity for their family. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help investors learn how to buy better properties, manage risk, raise capital, build systems and grow sustainable real estate portfolios. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Want help figuring out what type of first property to buy or how to build your real estate investing plan? Book a one-on-one coaching call: 🌐 www.reimasters.ca Have a real estate investing question you would like answered on the show? 📧 [email protected] The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REIcon: The Summit Series September 11–13, 2026 Hosted by Calvin Realty 🌐 https://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 📧 [email protected]      

*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]" dir="auto" data-turn-id= "request-6a4e6bd9-b770-83e8-b730-324004da771f-18" data-turn-id-container= "request-6a4e6bd9-b770-83e8-b730-324004da771f-18" data-testid= "conversation-turn-82" data-turn="assistant"> 🎧 Real Estate Investing Q&A: Garden Suites, Financing and Scaling Your Portfolio Today's episode of the Canadian Real Estate Investing Morning Show is a live real estate investing Q&A session with Wayne and Gabby. Instead of focusing on one single topic, Wayne and Gabby answer several questions from Canadian real estate investors about Edmonton garden suites, construction financing, commercial financing, refinancing, mortgage strategy and how to scale a real estate portfolio more intentionally. They also share an update on a new Edmonton townhouse rental property they are taking possession of, including how they were able to secure a tenant before even getting the keys. The property received strong demand, multiple quality applications and was rented quickly because of the location, property type and strong marketing. The main discussion then turns to multi-unit garden suites in Edmonton, including how to determine what can be built on a lot, why more units can improve the cost-per-door, how commercial financing may apply, and why investors need to understand the financing strategy before starting the project. Wayne also explains why commercial financing is available for residential properties purchased inside a corporation, why it often comes with less favourable terms than residential financing, and why investors should be intentional from day one when building a mortgage and financing roadmap. 🧠 What You'll Learn Why live Q&A episodes can be extremely valuable for investors How Wayne and Gabby rented a property before taking possession Why strong marketing matters when filling vacancies Why location and property type still drive tenant demand How multi-unit garden suites differ from traditional garage suites How to determine how many garden suite units may fit on a lot Why zoning, setbacks, height limits and lot size matter Why more units can reduce the cost-per-door Why Edmonton garden suites may work better than Calgary right now How Edmonton Garden Suites Ltd. is helping investors use tested models How construction financing can work for garden suite projects Why proof of concept was needed before lenders became comfortable How a garden suite project can resemble a BRRRR strategy Why commercial financing can be used on residential properties Why commercial financing often has stricter terms and ratios Why personal residential financing may be better early in an investor's journey How joint venture partners can help investors access better financing Why mortgage strategy should be planned from day one Why the order of lenders can matter when scaling a portfolio Why an investor-focused mortgage broker is essential 🏡 Garden Suite Q&A Wayne explains that many investors think of a garden suite as either a single ground-level unit or a garage suite above a detached garage. But in Edmonton, investors may be able to build multi-unit garden suites, depending on the zoning, lot size, setbacks, height restrictions and building requirements. Wayne and Gabby discuss models such as: Ground-level garden suites Garage suites Duplex garden suites Four-unit garden suites The larger opportunity comes from maximizing the number of units where the lot and numbers support it. More units can reduce the overall construction cost per door and potentially create stronger cash flow and stronger returns. 🏦 Financing Discussion A listener asked whether a residential property could be purchased using commercial financing if the investor planned to build four garden suites immediately. Wayne explains that commercial financing is not limited only to properties that already have five or more units. Investors can sometimes obtain commercial financing on residential properties, especially when buying through a corporation. However, commercial financing can come with trade-offs, including: Shorter amortizations Lower loan-to-value ratios Higher fees Stricter debt-service requirements More difficult qualification rules Wayne explains why many investors should use strong residential financing options first, then consider commercial financing or joint venture strategies as they scale. 🏘️ New Property Update Wayne and Gabby also share that they are taking possession of another Edmonton townhouse rental property. Before even receiving the keys, they were able to secure a signed lease and first month's rent from a tenant who had originally applied for another property in the same complex. This reinforces the importance of: Buying in strong locations Choosing rental properties tenants actually want Creating strong rental listings Responding quickly to tenant demand Having systems in place to manage vacancies efficiently 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio using strong fundamentals, cash-flow analysis, creative deal structuring, joint venture partnerships and long-term portfolio planning. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help investors understand real estate strategy, financing, deal analysis, property management, capital raising and portfolio growth. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Learn more about Edmonton garden suite opportunities: 🌐 www.edmontongardensuites.com Have a real estate investing question you would like answered on the show? 📧 [email protected] The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REIcon: The Summit Series September 11–13, 2026 Hosted by Calvin Realty 🌐 https://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 📧 [email protected]      

🎧 Why We're Betting Big on Edmonton Garden Suites Edmonton garden suites may be one of the strongest real estate investing opportunities in Canada right now—but only if the numbers, property, layout, financing and strategy are handled properly. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby explain why they are betting big on Edmonton garden suites, and more specifically, multi-unit garden suites. Wayne shares the backstory of spending nearly two years researching, testing, designing and refining the strategy before bringing it to investors. They discuss why Edmonton is uniquely positioned for this opportunity, why affordable land matters, how strong rents support the investment, and why the City of Edmonton's current support for gentle density creates a window of opportunity. They also explain why a traditional one-unit garage suite may not always produce the strongest numbers, why multi-unit garden suites can create significantly more income, and how moving a property into the five-plus-unit category can change the valuation conversation. This episode also compares garden suites to basement suites and older multifamily apartments, highlighting why above-grade, private, newly built rental units may be more desirable for many tenants. 🧠 What You'll Learn Why Wayne and Gabby are focused on Edmonton garden suites Why Edmonton is one of the best markets for this strategy How affordable land helps make the numbers work Why Calgary does not currently offer the same opportunity Why City of Edmonton zoning and density rules matter Why this may be a limited window for investors How garden suites can create strong monthly cash flow Why cash flow is a key risk mitigator How garden suites compare with basement suites Why above-grade rentals may be more attractive to tenants Why older multifamily buildings are not always the best competition How tenant profile and location affect demand Why multi-unit garden suites can perform better than single garage suites How five or more units can change the valuation approach Why forced appreciation is a major part of the opportunity How a four-unit garden suite can create significant equity Why getting the right guidance, design and builder matters How Edmonton Garden Suites Ltd. is helping investors build these projects 💡 Featured Strategy: Multi-Unit Garden Suites Wayne explains that the opportunity is not simply about building one garage suite in a backyard. The larger opportunity is in designing the property so it can support multiple rental units, potentially bringing the total number of units on the property to five or more. That can create: More monthly rental income Stronger cash flow Better use of existing land More attractive tenant options Potential forced appreciation A stronger long-term investment asset Wayne also explains why this strategy requires the right lot, the right layout, the right construction costs, the right rents and the right market. 🏡 Edmonton Garden Suites 101 Wayne and Gabby are hosting an in-person workshop in Edmonton for investors who want to learn more about this strategy. They will cover lot requirements, financing, construction considerations, rental demand, investor numbers, and how to determine what may be possible on a residential lot. Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 You can also learn more about available models and book a consultation through Edmonton Garden Suites Ltd.: 🌐 www.edmontongardensuites.com 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio while developing strategies focused on cash flow, forced appreciation, risk reduction and long-term wealth building. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help investors learn how to find better deals, structure investments properly, raise capital, manage properties remotely and build sustainable real estate businesses. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Learn how to self-manage your rental properties remotely through the REI Masters Remote Property Management Course: 🌐 www.reimasters.ca Have a real estate investing question you would like answered on the show? 📧 [email protected] The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REIcon: The Summit Series September 11–13, 2026 Hosted by Calvin Realty 🌐 https://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 📧 [email protected]

🎧 Loan or Partnership? The Smarter Way to Fund a Rental Property Down Payment What should you do when you find a strong rental property deal but do not have enough money for the full down payment? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby answer a listener's question about using a friend's money to complete a real estate purchase. Should the money be structured as a loan with interest, or should the investor bring the friend into the deal as a joint venture partner? Wayne breaks down the questions that need to be answered before choosing either option, including how the loan would be secured, whether the payments are sustainable, how the lender would be repaid, whether the mortgage lender permits borrowed down-payment funds, and how the responsibilities and profits would be divided in a partnership. They also explain why borrowing the down payment can quickly eliminate the cash flow from an otherwise profitable rental property—and why a properly structured partnership may offer a safer path to growing a larger portfolio. 🧠 What You'll Learn The difference between borrowing down-payment money and forming a partnership Why the most profitable-looking option may not be the safest How a private loan should be secured What collateral may protect the person lending the money Why the interest cost must be included in the property's cash-flow analysis How monthly loan payments can increase investment risk Why every borrowed down payment needs a clear repayment strategy Whether banks allow borrowed funds to be used for a down payment Why lenders need to know the source of the investor's funds How long-term partnerships differ from short-term loans Why trust is essential when partnering with a friend How responsibilities and decision-making authority should be divided Why detailed joint venture agreements are necessary What both partners should understand before going on a mortgage together Why loans may work better for short-term value-add projects Why partnerships are often safer for long-term buy-and-hold properties How joint ventures can help investors scale beyond one property 📊 The Cash-Flow Example Wayne uses a simplified example of a $200,000 Edmonton townhouse requiring a $40,000 down payment. If the property produces approximately $500 per month in cash flow, but the investor borrows the $40,000 at 15% annual interest, the interest payment would also be approximately $500 per month. That means the property's entire cash flow could be consumed by the cost of borrowing the down payment—before accounting for repairs, vacancies or unexpected expenses. 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have used joint venture partnerships for more than a decade to grow their rental property portfolio. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help investors analyze deals, structure partnerships, reduce risk and build sustainable real estate businesses. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Book a one-on-one coaching call, explore courses or learn more about joint venture investing: 🌐 www.reimasters.ca Learn how to measure rental property cash flow with Wayne's book: The 5% Rule™: A Cash Flow Test for Canadian Real Estate Investors Available on Amazon. Have a real estate investing question you would like answered on the show? 📧 [email protected] The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour 🤝 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 📧 [email protected]

🎧 How To Make Fast Cash In Real Estate With Virtually No Risk How real estate wholesaling works and why it can be one of the fastest ways to generate active income from real estate. A 23-year-old listener recently wrote to Wayne and Gabby with a simple question: What is the fastest way to make money in real estate? The listener is ambitious, has time available and wants to begin earning money now so that it can be invested for the long term. In today's episode, Wayne and Gabby explain why the speed of a real estate strategy usually increases its risk. Flipping properties, relying on private financing and using highly leveraged creative strategies can generate money quickly, but they can also create major problems when the market changes or something goes wrong. There is one strategy that can allow an investor to earn active income without personally purchasing the property: real estate wholesaling. Wholesaling involves finding a strong real estate opportunity, securing the property under a purchase contract and then assigning the rights under that contract to another investor for a fee. The wholesaler is not selling the property. The wholesaler is assigning the contractual right to purchase the property at the agreed price. For example, imagine a wholesaler secures the right to purchase a property for $320,000 when its market value is approximately $400,000. Another investor may happily pay the wholesaler a $5,000 assignment fee to take over that purchase contract. The end buyer receives a property for approximately $325,000 that may be worth $400,000. The wholesaler earns $5,000 for finding, negotiating and securing the opportunity. The seller receives a solution that fits their circumstances. When structured correctly, everyone can benefit. Wayne explains that wholesaling is one of the ways he continues to generate additional business revenue without actively operating as a full-time wholesaler. When he finds an excellent property that does not fit his current capacity or portfolio, he may assign the opportunity to another investor who is already looking for that type of deal. However, Wayne and Gabby emphasize that wholesaling is not simply about locking up random properties and hoping somebody buys them. Successful wholesalers begin with the end buyer. Before searching for properties, the wholesaler should build relationships with active investors and learn exactly what those investors want to purchase. That may include: Suited houses in Calgary Fix-and-flip properties in Red Deer Family rentals in Edmonton Specific neighbourhoods Specific price ranges Specific renovation opportunities A minimum amount of equity or cash flow Once the wholesaler understands what buyers want, the business can be reverse-engineered to find those specific opportunities. This is where many new wholesalers fail. They become excited about marketing, knocking on doors, negotiating deals and writing contracts before building a reliable network of buyers. A great deal is only valuable to a wholesaler if there is a qualified investor prepared to purchase the assignment. Wayne and Gabby also explain that wholesalers are often solution providers. They may work with property owners dealing with situations such as: Divorce Job loss Financial pressure Inherited properties Major property damage Properties that need extensive repairs Sellers who need a faster or simpler transaction Homes that may be difficult to list traditionally A responsible wholesaler identifies the seller's problem, creates a workable solution and connects the opportunity with an investor capable of completing the purchase. The episode also discusses the earning potential. A casual wholesaler may earn a few thousand dollars from an occasional assignment. An active wholesaler with strong systems, consistent lead generation and a trusted network of buyers may build a six-figure business. Some of the largest wholesaling companies operate with teams, marketing departments, sales systems and assignment revenues reaching significantly higher levels. But the opportunity is not automatic. Wholesaling requires education, contracts, sales ability, marketing, negotiation, follow-up, relationship-building and a strong understanding of local real estate laws. Rules surrounding assignments, deposits, disclosures and real estate trading can vary across Canada. Anyone pursuing the strategy should understand the requirements in their province and receive proper legal and professional guidance. The biggest message for young investors is to focus. Ambitious beginners often try to learn every real estate strategy at once. They begin wholesaling, flipping, raising capital, analyzing multifamily properties and searching for rental properties without finishing any one strategy. Wayne explains that success usually comes from focusing your energy on one objective, mastering it, completing it and eventually creating systems around it before moving to the next opportunity. Wholesaling can be a powerful entry point for someone who has time, ambition and limited capital. But it needs to be approached like a real business. 🧠 What You'll Learn The fastest ways to generate active income in real estate Why faster real estate strategies usually involve more risk What real estate wholesaling is How an assignment of contract works Why wholesalers do not necessarily need to purchase the property How a wholesaler earns an assignment fee Why the contract can have value How wholesalers find discounted properties Why distressed sellers may prefer a direct solution How wholesalers solve real estate problems Why wholesaling is not about taking advantage of sellers How assignment fees are determined Why an investor may willingly pay a large assignment fee How the end buyer can still receive a strong deal Why Wayne continues to wholesale opportunities How occasional wholesaling can create additional business revenue Why successful wholesalers begin with the buyer How to reverse-engineer a wholesaling business Why wholesalers need a strong investor network How to learn exactly what active buyers want Why random deal hunting usually fails How trust affects a wholesaler's ability to sell deals Why buyers need confidence in the wholesaler and the numbers How marketing and lead generation support the business Why consistent follow-up matters How active wholesalers can build six-figure businesses Why some wholesaling companies generate significantly more Why young investors may have an advantage How time, energy and fewer responsibilities create opportunity Why beginners need to focus on one strategy How spreading your attention across too many strategies slows progress Why a coach may tell you to ignore everything except the next step How systems make wholesaling scalable Why legal and provincial requirements matter Why education is still required even when a strategy appears low risk How wholesaling can create capital for long-term investments 👥 About Your Hosts Wayne & Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. Through REI Masters, they help Canadians purchase strong rental properties, build sustainable portfolios, raise capital, develop real estate businesses and create long-term wealth. They host the Canadian Real Estate Investing Morning Show live every weekday morning, providing free real estate investing education and coaching for investors across Canada. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question for the show: [email protected] Watch the Canadian Real Estate Investing Morning Show live every weekday at 7:00 AM Mountain Time on YouTube. UPCOMING EVENTS Edmonton Garden Suites 101 Saturday, July 25, 2026 2:00 PM to 5:00 PM Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour 🤝 Sponsors Calvin Realty calvinrealty.ca Finngo Bookkeeping & Tax www.finngo.com/rei Kirkwood & Brennan Mortgage Group www.kbmortgages.ca [email protected] Suggested audio file name: how-to-make-fast-cash-in-real-estate-without-buying-property.mp3

🎧 How Canadian Real Estate Investors Can Deduct Vehicle Expenses What Canadian landlords, Realtors and real estate investors need to know about mileage, vehicle deductions and CRA documentation. Real estate investors spend a lot of time driving. You may be travelling to rental properties, meeting contractors, completing repairs, showing units, serving notices, collecting documents, purchasing supplies or supervising work. But which vehicle expenses are actually deductible? In today's episode, Wayne and Gabby are joined by investor-focused accountant Steve Tsonev from Finngo Bookkeeping & Tax to explain how vehicle deductions work for Canadian real estate investors. Steve begins by explaining that the rules can change depending on whether you own one rental property or multiple properties. If you own only one rental property, the available vehicle deductions may be more limited. According to Steve, the property generally needs to be located within the same general area where you live, the trip should involve completing a necessary repair or maintenance task yourself, and you should be transporting the tools or materials required to complete that work. Simply driving to a single rental property for a showing, lease signature, rent increase or general inspection may not automatically qualify in the same way. Once an investor owns two or more rental properties, the range of deductible travel may expand. Trips to supervise contractors, manage properties, complete showings, serve notices or handle other management responsibilities may become easier to justify as legitimate business travel. The key is that the trip must be reasonable, properly documented and genuinely connected to earning rental income. Steve also discusses the difference between travelling from home directly to one work location and travelling between multiple business locations. CRA may view regular travel from home to a single workplace as a commute, while travel between properties or business locations may be treated differently. The episode then moves into vehicle ownership. Should the vehicle be owned personally or through a corporation? Steve explains that when a vehicle has both personal and business use, owning it personally and receiving a reasonable kilometre reimbursement from the business is often the simplest option. When a corporation owns a vehicle that is also used personally, the personal use may create a taxable benefit that needs to be calculated and reported. A corporation may be better suited to owning a vehicle that is used exclusively for business, such as a dedicated service van or work truck with no meaningful personal use. Steve also compares two common ways of claiming vehicle costs: Tracking actual vehicle expenses Using CRA's prescribed kilometre allowance Actual expenses may include fuel, repairs, maintenance, insurance, interest, lease costs and depreciation, with the business-use portion calculated based on mileage. The kilometre method uses a reasonable per-kilometre rate and may be much easier for investors, Realtors and business owners who drive regularly. Steve explains why the kilometre method often produces a strong deduction without requiring every fuel receipt, repair invoice and operating expense to be allocated individually. The group also discusses why buying a more expensive vehicle does not necessarily create a larger tax benefit. CRA places limits on the amount that may be deducted for passenger vehicles, including depreciation limits for more expensive vehicles. The best decision should be based on what makes financial sense for the investor, not on the assumption that purchasing a luxury vehicle through a corporation will create an unlimited tax deduction. Steve also recommends several mileage-tracking tools: MileIQ QuickBooks Online mileage tracking Dext The important part is to use a consistent system and confirm that the app is actively tracking trips throughout the year. This episode is designed to give Canadian investors clarity while reminding listeners that tax advice depends on the individual facts of each situation. When in doubt, speak directly with an investor-focused accountant who understands rental properties, corporations and real estate businesses. 🧠 What You'll Learn When Canadian real estate investors may deduct vehicle expenses How the rules may differ for one rental property versus multiple properties Why repairs and maintenance trips may qualify When travelling for showings or lease signatures may not qualify Why supervising contractors may be deductible How property management travel may be treated The difference between business travel and commuting Why every vehicle expense should be reasonable and legitimate What documentation CRA may expect Why mileage logs are important How to support a vehicle deduction with receipts, photos and records Whether a duplex counts as two separate properties Why the number of doors does not necessarily equal the number of properties How vehicle deductions work for Realtors How vehicle deductions work for property managers Whether a vehicle should be owned personally or through a corporation How personal use of a corporate vehicle creates a taxable benefit When corporate vehicle ownership may make sense Why personal ownership is often simpler How kilometre reimbursements work How actual vehicle expenses are calculated Why the kilometre method may produce a better result How depreciation limits affect expensive vehicles Why leasing and financing may create similar tax outcomes Why tax strategy should not be the only reason to buy a vehicle How a vehicle loan may affect future mortgage qualification Which mileage-tracking apps investors can use Why investors should work with an investor-focused accountant 👥 About Your Hosts Wayne & Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. Through REI Masters, they help Canadians buy strong rental properties, build sustainable portfolios, create effective management systems and avoid unnecessary risk. They host the Canadian Real Estate Investing Morning Show live every weekday morning, providing free real estate investing education and coaching for investors across Canada. 👤 About Steve Tsonev Steve Tsonev is a managing partner at Finngo Bookkeeping & Tax and an experienced Canadian real estate investor. Finngo provides bookkeeping, accounting and tax support for real estate investors, Realtors and business owners across Canada. Steve combines professional accounting knowledge with firsthand experience owning and operating investment properties. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question for the show: [email protected] Watch the Canadian Real Estate Investing Morning Show live every weekday at 7:00 AM Mountain Time on YouTube. UPCOMING EVENTS Edmonton Garden Suites 101 Saturday, July 25, 2026 2:00 PM to 5:00 PM Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour 🤝 Sponsors Calvin Realty calvinrealty.ca Finngo Bookkeeping & Tax www.finngo.com/rei Kirkwood & Brennan Mortgage Group www.kbmortgages.ca [email protected]

🎧 How A Boring Rental Property Made Us $220,000 In 8 Years A real Canadian rental property case study using actual numbers from Wayne and Gabby's portfolio. Real estate investing does not need to be complicated. In today's episode, Wayne and Gabby pull back the curtain on one of the most boring rental properties they own and show exactly how a simple long-term buy-and-hold investment generated approximately $220,000 in profit over eight years. This was not a large apartment building. It was not a complicated redevelopment. It was not a high-risk strategy filled with creative manoeuvres. It was a basic three-bedroom single-family home with a garage, a yard, an unfinished basement and a tenant profile that families actually want. The property was purchased in 2018 for approximately $250,000 with a $50,000 down payment. At the time, Alberta's real estate market was relatively flat. Rents had softened, vacancy was higher and many investors were directing their attention toward hotter markets elsewhere in Canada. Wayne and Gabby saw an opportunity. They purchased a property that worked based on cash flow and fundamentals without needing appreciation to make the deal successful. Eight years later, the property is worth approximately $380,000. During that period, it generated: Approximately $130,000 in appreciation Approximately $62,000 in gross cash flow Approximately $12,000 in actual repairs and other property expenses Approximately $50,000 in net cash flow Approximately $40,000 in mortgage paydown Approximately $220,000 in total profit On the original $50,000 investment, that represents a total return of approximately 440%. Wayne explains why this does not mean the investment earned a compounded 55% every year. Dividing 440% by eight gives a simple average of 55% per year, while the compounded annual return is lower because the profits accumulated over time. The bigger lesson is not the exact percentage. The lesson is that a basic rental property purchased correctly can produce exceptional long-term returns without requiring excessive risk, constant management or a complicated investment strategy. Wayne also explains what he calls the eight-year hump. During the early years of a mortgage, a larger portion of each payment goes toward interest. Cash flow may feel underwhelming, property values may remain flat and investors may begin questioning whether the strategy is working. Over time, rents can increase, the mortgage balance declines and a greater portion of each payment begins reducing the principal. This is when the results become much easier to see. Gabby shares what it was like experiencing those early years without fully seeing the long-term numbers. She explains why new investors and their partners can become discouraged when the work, tenant issues and property expenses are immediate, while the largest financial rewards may still be years away. This episode also challenges the belief that investors must continually purchase larger and more complicated properties to build wealth. Wayne compares one $250,000 property with ten similar properties and explains why investment returns must always be compared relative to the amount of capital invested. Bigger does not automatically mean better. A $2.5 million property may generate more dollars, but it also requires significantly more capital. The most important question is how much return was generated relative to the investment and risk required. Wayne and Gabby also discuss the value of boring properties. A well-located family home with stable tenants may require very little ongoing management. That creates a strong return on both money and time. The goal is not to own the most impressive property. The goal is to own properties that tenants want, that produce reliable cash flow, that can survive difficult market conditions and that do not consume your entire life. 🧠 What You'll Learn Why long-term buy-and-hold investing feels slow at first What Wayne calls the eight-year hump Why mortgage paydown accelerates over time Why cash flow often improves as a property matures How a $250,000 rental property produced approximately $220,000 in profit How appreciation, cash flow and mortgage paydown work together The difference between projected expenses and actual expenses Why Wayne and Gabby keep rental cash flow in reserve accounts Why investors should not rely on monthly cash flow as personal income Why vacancy does not need to become a financial emergency Why more doors do not automatically make an investment safer How a strong reserve fund reduces risk Why boring single-family rentals can outperform complicated investments Why the ideal tenant profile matters Why families may become strong long-term tenants Why purchasing the property tenants actually want reduces management How to calculate the total profit on a rental property Why return on investment matters more than the size of the property Why bigger properties do not automatically produce better returns How to compare different real estate investments fairly Why appreciation does not occur in a straight line Why flat markets can create excellent buying opportunities Why investors should buy based on fundamentals rather than hype Why patience is essential in long-term real estate investing How a partner may struggle to see the long-term vision Why investors need education before following online opinions Why simple strategies can create strong returns with lower risk How low-management properties create a better return on time Why sustainable investing should support freedom rather than consume it 👥 About Your Hosts Wayne & Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. Through REI Masters, they help everyday Canadians buy profitable rental properties, build strong portfolios, avoid unnecessary risk and create long-term wealth through real estate. Their approach focuses on strong fundamentals, practical systems, realistic numbers and properties that perform without relying entirely on appreciation. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Book a private coaching call with Wayne: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question for the show: [email protected] Watch the Canadian Real Estate Investing Morning Show live every weekday at 7:00 AM Mountain Time on YouTube. UPCOMING EVENTS Edmonton Garden Suites 101 Saturday, July 25, 2026 2:00 PM to 5:00 PM Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour 🤝 Sponsors Calvin Realty calvinrealty.ca Finngo Bookkeeping & Tax www.finngo.com/rei Kirkwood & Brennan Mortgage Group www.kbmortgages.ca [email protected]  

🎧 Buying A Rental Property In Canada: The Complete 18-Step Checklist The exact step-by-step process Wayne and Gabby use to purchase rental properties in Canada, from mortgage planning and property selection through due diligence, closing and possession day. Buying a rental property in Canada can feel overwhelming when you do not know what happens first, who handles each step, when conditions need to be removed, or what must be completed before possession. In today's episode, Wayne and Gabby walk through the exact checklist they use every time they purchase a Canadian rental property. What began as a 17-point checklist became an 18-point checklist when Wayne added one of the most important steps: speaking with a real estate investing coach before deciding what type of property to buy. This episode covers the entire process from the moment you begin planning your purchase to the moment the lawyer completes the transaction and you receive the keys. Wayne and Gabby explain why Canadian investors should begin with a financing plan, why the lowest mortgage rate is not always the best mortgage strategy, and why working with an investor-focused mortgage broker can affect how many properties you are able to purchase later. They explain how to create an intentional property search based on your financing, investment goals, preferred tenant profile, location, asset class, bedrooms, bathrooms, square footage and expected cash flow. Once the right property is found, the episode walks through comparable sales, writing an offer, submitting the deposit, financing conditions, property inspections, condominium document reviews, title searches, insurance, legal documents, utilities, property taxes, cleaning, repairs, possession and preparing the property for tenants. Wayne and Gabby also explain why investors should not simply collect houses. Every property needs to serve a specific purpose within the investor's long-term plan. A property can appear profitable and still be the wrong investment for your goals, tenant profile, financing strategy or future ability to scale. This checklist is designed to give new Canadian investors clarity while helping experienced investors avoid overlooking small but important details when several transactions are happening at once. And yes, one of the most commonly forgotten steps is setting up the utilities before possession. 🧠 What You'll Learn How to begin buying a rental property in Canada Why every purchase should start with a mortgage plan How to determine your realistic purchase price Why an investor-focused mortgage broker matters Why the lowest mortgage rate may not support your long-term goals How lender policies can limit the number of mortgages you receive Why your first rental can affect your ability to buy the next one Why strong cash flow matters for mortgage qualification Why investors should speak with a coach before selecting an asset class How to make every rental property purchase intentional Why collecting random properties is not an investment strategy How to choose your ideal tenant profile How location, bedrooms, bathrooms, size and layout affect demand How to create a clear rental property buy box How an investor-focused realtor can automate your property search Why you should only view properties matching your criteria How comparable sales help determine market value How to avoid overpaying for a rental property Which conditions may be included in a purchase offer How the real estate deposit works When the deposit is submitted Why the deposit may be refundable while conditions remain Why investors must move quickly after receiving an accepted offer When to contact your mortgage broker Why pre-approval is not the same as final financing approval Why a financing condition is important When to schedule the property inspection Why inspectors can be difficult to book on short notice When a condominium document review may be required Why investors should review the property title What liens, loans, caveats and other encumbrances may reveal What happens if you are not satisfied with your due diligence What happens when you waive your conditions Why an unconditional offer is legally serious When documents are sent to the lawyer and lender How the lawyer handles the transfer of funds and title How the new mortgage is registered against the property Why insurance should be arranged early Why Canadian rental property insurance has become harder to obtain Why the lender must be listed as first loss payee Why utilities are frequently forgotten Why utilities need to be active on possession day Why property taxes must also be set up What funds your lawyer may require before closing How property tax and condo fee adjustments work When a final walkthrough may occur Why cleaners, contractors and handymen should be scheduled early Why the property should be prepared for tenants immediately How vacancy affects rental property profitability What happens on possession day When the keys are officially released Why purchasing a rental property requires a strong team Why investors should celebrate every successful purchase 👥 About Your Hosts Wayne & Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. Through REI Masters, they help everyday Canadians buy profitable rental properties, build strong portfolios, avoid common mistakes and create long-term wealth through real estate. They continue to use systems, checklists and investor-focused professionals to keep every transaction organized. Their goal is to give Canadians practical real estate investing education that produces strong returns while reducing unnecessary risk. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question for the show: [email protected] Watch the Canadian Real Estate Investing Morning Show live every weekday at 7:00 AM Mountain Time on YouTube. UPCOMING EVENTS Edmonton Garden Suites 101 Saturday, July 25, 2026 2:00 PM to 5:00 PM Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 Learn how Edmonton homeowners and investors can use underutilized yard space to build cash-flowing garden suites, create additional equity and increase the income generated by an existing property. REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour Tour real Edmonton investment properties, explore current opportunities and see real estate investing strategies in action. 🤝 Sponsors Calvin Realty calvinrealty.ca Finngo Bookkeeping & Tax www.finngo.com/rei Kirkwood & Brennan Mortgage Group www.kbmortgages.ca [email protected]  

Most people did not deliberately choose the life they are currently living. They finished school, found the first reasonable opportunity available, started working, accumulated responsibilities, and continued moving in the same direction because that was what everyone around them appeared to be doing. Years later, they may have a career, a mortgage, children, bills, and an income they cannot afford to lose. Yet they still feel like something is missing. In today's episode, Wayne and Gabby examine how people fall into careers and lifestyles they never consciously selected, why changing direction becomes harder as responsibilities increase, and why so many nurses, tradespeople, oil and gas workers, and other professionals turn to real estate investing. The goal is not necessarily to quit your job tomorrow. The goal is to begin making small decisions that gradually change the trajectory of your life. Wayne explains how he reached a point where he made one clear decision: he was not going to continue following the same path as everyone else. That decision did not create freedom overnight. It led to years of small businesses, experiments, side hustles, uncomfortable choices, and eventually real estate investing. Those small decisions compounded until Wayne and Gabby had built a life that allowed them to spend more time with their daughter, create businesses, help other investors, and choose how they spend their days. Gabby explains why they would rather help thousands of ordinary Canadians purchase one solid rental property than only help a few people build enormous portfolios. One property may not change everything immediately, but it can improve retirement, provide additional income, create equity, and give the next generation a stronger starting point. The first property is not about becoming a billionaire. It is about proving to yourself that another path is possible. 🧠 What You'll Learn Why many people fall into careers rather than intentionally choosing them Why nurses, tradespeople, and oil and gas workers are drawn to real estate investing How demanding work schedules can affect health, marriages, parenting, and personal fulfilment Why the responsibilities of adulthood make major changes feel increasingly difficult How society quietly pushes people toward a predetermined path Why many people make their last major life decision at 17 or 18 years old How career opportunities often come from convenience, familiarity, and personal connections Why a good-paying job can still create a life you do not want Why people continue following the herd even when they are unhappy How small daily decisions can gradually change the direction of your life Why Wayne decided he would not continue living the life everyone expected Why wanting something different is not the same as making a decision Why a real decision needs to be clear, final, and followed by action Why changing your life usually takes years of consistent effort How one rental property can improve retirement and create generational wealth Why your first investment property needs to be purchased correctly Why a bad first property can discourage someone from investing again How education and coaching can help investors avoid expensive mistakes Why confidence and clarity make the next property easier Why nobody is coming to change your life for you Why you do not need to build a massive portfolio to benefit from real estate How ordinary Canadians can use real estate to create more control over their future 👥 About Your Hosts Wayne & Gabby Hillier are Canadian real estate investors, entrepreneurs, and real estate investing coaches based in Edmonton, Alberta. Through REI Masters, they help everyday Canadians purchase profitable rental properties, build strong systems, avoid costly mistakes, and use real estate to create more freedom and long-term security. Their goal is not simply to help people accumulate properties. It is to help them make better decisions, create more control over their future, and build a life that is intentional rather than accidental. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question for the show: [email protected] Watch the Canadian Real Estate Investing Morning Show live every weekday at 7:00 AM Mountain Time on YouTube. UPCOMING EVENTS Edmonton Garden Suites 101 Saturday, July 25, 2026 2:00 PM to 5:00 PM Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 Learn how Edmonton homeowners and real estate investors can use underutilized yard space to build cash-flowing garden suites, create additional equity, and increase the income generated by an existing property. REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour Tour real Edmonton investment properties, explore current opportunities, and see the strategies discussed on the show in person. 🤝 Sponsors Calvin Realty Edmonton real estate professionals focused on helping investors find and purchase the right opportunities. calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax support created for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning designed to help Canadians build their portfolios without allowing today's financing decision to prevent tomorrow's purchase. www.kbmortgages.ca [email protected]  

What is really stopping you from building a larger real estate portfolio? Is it money? Mortgages? Finding the right deals? Fear of tenants? Fear of repairs? Fear of the market changing? In today's episode, Wayne and Gabby break down the most common reasons investors give for not moving forward and explain why those obstacles are often not the real problem. The episode begins with a real example from their own portfolio. After nearly 100 millimetres of rain fell in Edmonton, multiple properties experienced water issues, including one basement suite with wet carpet that required immediate restoration work and temporary accommodations for the tenant. Wayne and Gabby explain how years of experience, strong systems, the right network, and knowing what they could and could not control allowed them to manage the situation while attending their daughter's soccer tournament. A problem that may have felt overwhelming early in their investing journey became something they could manage calmly and efficiently. That leads into the bigger conversation. Many people want to build large portfolios but do not understand how investors continue buying after they run out of money or stop qualifying for traditional mortgages. Wayne explains that successful investors do not have unlimited money or unlimited access to financing. They learn how to get creative. They use joint venture partnerships. They work with people who can qualify for better financing. They use seller financing. They build relationships with investor-focused mortgage brokers. They focus on strong cash-flowing properties that support future borrowing. They bring knowledge, systems, experience, deal-finding ability, and confidence to partnerships with people who have the capital and borrowing power. Wayne also explains why seller financing can help investors acquire properties with little or no money down, but why those opportunities still need to be evaluated carefully. Not every creative deal is automatically a good investment, and many seller-financed properties may not meet the same standards as the investor's ideal property. The central lesson of the episode is that the final obstacle is usually not the mortgage, the down payment, or the deal. It is confidence. Investors can find the information. They can learn how to analyze properties. They can find mortgage brokers. They can learn how joint ventures work. They can find money. But many people still do not take action because they are afraid of making a mistake, being judged, losing money, or stepping outside what feels familiar. Gabby explains that knowledge alone does not create confidence. Confidence comes from combining knowledge with action. Wayne explains why investors need to believe in themselves and the opportunity before they can inspire a joint venture partner to believe in them. If you do not have the confidence, experience, or desire to manage the deal yourself, the solution may be to partner with someone who does. It is better to receive half the profits from a properly managed investment than to receive nothing because fear kept you from acting. This episode is for anyone who wants to buy more rental properties but feels stuck, overwhelmed, underfunded, or unsure how other investors keep scaling. The answer is not unlimited money. It is resourcefulness, partnerships, knowledge, systems, and the confidence to take action. What You'll Learn in This Episode How Wayne and Gabby handled flooding across multiple rental properties Why heavy rain exposed weaknesses around grading, drainage, and foundations Why proactive tenants can help landlords prevent major damage Why the right network can make emergency property problems easier to manage Why systems and experience reduce stress during unexpected events Why real estate investing always comes with storms, both literal and figurative Why investors should focus on what they can control Why many people believe mortgages will prevent them from scaling Why every investor's mortgage situation is different Why an investor-focused mortgage broker matters Why buying strong cash-flowing properties supports future financing Why lenders, mortgage rules, rates, and policies constantly change What investors can do after traditional lenders stop approving them How credit unions may provide additional financing options Why expensive financing can reduce profitability and increase risk Why joint venture partners can help investors access better financing Why investors eventually run out of their own money How seller financing can help investors acquire properties with little or no money down Why not every seller-financed property is a good investment Why creative financing requires strong due diligence How investors can exchange expertise and systems for a partner's money and mortgages Why the ability to put deals together is one of the most valuable investing skills Why knowledge and network are both necessary for scaling Why confidence is essential when raising capital Why investors need to believe in the opportunity before presenting it to others Why knowledge without action does not create confidence Why action without knowledge can create unnecessary risk Why most investing excuses are figureoutable Why fear of mistakes and judgment keeps people stuck Why your final obstacle may be yourself Why it may be better to partner with an experienced investor than do nothing Why getting half the profits can be better than getting no profits Why the most successful investors focus on solutions instead of excuses Upcoming Events Edmonton Garden Suites 101 July 24, 2026 Edmonton, Alberta www.reimasters.ca REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, investor questions, landlord advice, business systems, personal development, and practical real estate investing education. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: [email protected] Thanks To Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax www.finngo.com/rei Kirkwood & Brennan Mortgage Group www.kbmortgages.ca [email protected]

Landlords across Canada are having a harder time filling vacancies. There are fewer tenants moving, more rental units available, and more competition between landlords than many investors have seen in years. So what should you do when your rental property is sitting empty? Should you lower the rent? Or should you offer an incentive to get the right tenant in the door? In this episode, Wayne and Gabby break down what landlords need to understand about today's rental market and why automatically lowering rent may not always be the best first move. Wayne explains that rental markets are cyclical. Just like real estate prices, interest rates, immigration, construction, and tenant demand, vacancy pressure moves in cycles. Some investors have only experienced rising rents and strong tenant demand, which makes today's softer rental market feel scary. But this is part of the business. The key is knowing how to respond. Wayne and Gabby discuss how landlords can think more like business owners and marketers when listing rental properties. A rental listing is not just an ad. It is your first chance to get the attention of your ideal tenant. If your property looks the same as every other rental in a crowded market, tenants will compare mainly on price. But if you understand your tenant profile and offer the right incentive, you may be able to stand out without racing to the bottom on rent. They also discuss different incentive ideas, including gift cards, free utilities, free internet, waived pet fees, reduced security deposits, free lawn care, gaming consoles, TVs, moving credits, and first month's rent free. Wayne explains why the incentive must match the tenant profile. A young student, a family with children, a pet owner, and a tenant relying on transit may all respond to different offers. They also compare the math behind lowering rent versus offering a one-time incentive. A $50 monthly rent reduction costs $600 over a year, while a one-time $500 gift card may create a bigger marketing impact while costing the landlord less overall. Gabby also explains why affordability, timing, security deposits, moving costs, pets, and upfront cash are major pain points for tenants in today's market. This episode is a practical conversation for landlords who are trying to fill vacancies without panicking, slashing rent unnecessarily, or weakening their rental business long term. The bigger lesson is that the best way to avoid this problem is to buy the right properties from day one. Wayne and Gabby explain why they focus on properties with strong cash flow, strong tenant demand, and features renters actually want, so they are not forced to compete only on price when the market softens. What You'll Learn in This Episode Why landlords are struggling to fill vacancies right now Why many Canadian rental markets have more supply and less tenant demand Why today's rental market feels scary for newer investors Why rental markets move in cycles Why lowering rent should not always be the first move Why rental listings need to be treated like marketing Why tenants compare similar rentals mostly by price How incentives can make your rental listing stand out Why the right incentive depends on your tenant profile Why student tenants, families, and pet owners may respond to different offers Why cash, gift cards, and upfront savings can be powerful incentives Why a $500 gift card may be more effective than reducing rent by $50 per month Why landlords need to understand the math before discounting rent Why free internet, utilities, lawn care, or moving credits may work in certain situations Why waived pet fees or fewer pet restrictions can attract more tenants Why reduced security deposits can create demand but also add risk Why first month's rent free can work but must be structured carefully Why incentives should solve a tenant's actual pain point Why buying properties with strong tenant demand protects investors long term Why the best rental properties are the ones tenants actually want Upcoming Events Edmonton Garden Suites 101 July 24, 2026 Edmonton, Alberta www.reimasters.ca REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, investor questions, landlord advice, market updates, and practical real estate investing education. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping and tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: [email protected] 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 Mortgage Brokers www.kbmortgages.ca [email protected]

Some people are saying it is a terrible time to buy real estate in Canada. Others are saying it is the best time in history. So who is right? In this episode, Wayne and Gabby answer a listener question about the current state of the Canadian real estate market and why there is so much conflicting advice being shared online. Wayne explains why both sides can be wrong when they speak in broad generalizations. Canada is not one real estate market. Every city, neighbourhood, property type, financing structure, and rental strategy can produce a completely different outcome. For uninformed investors, it may be one of the worst times to buy. For educated investors who know where to look, how to run the numbers, how to use leverage properly, and how to identify real cash-flowing opportunities, there may still be some of the best opportunities in years. Wayne shares why he personally stopped planning to buy more properties in 2019, until the market shifted and created new opportunities that were too good to ignore. Since then, he and Gabby have continued to buy, build systems, grow their portfolio, and teach their students how to take advantage of very specific opportunities while avoiding dangerous ones. They also discuss why so many investors have struggled or failed over the last six years, especially those who bought in the wrong markets, used risky strategies, relied on appreciation, or ignored cash flow. Wayne explains why he believes the best opportunities in Canada are not everywhere. They exist in small pockets, and only investors who are actively doing the work, studying the numbers, and understanding tenant demand will be able to identify them. The episode also dives into Edmonton garden suites, the recent Edmonton Garden Suites 101 event, and why Wayne believes garden suites are one of the strongest opportunities in Edmonton right now. Wayne and Gabby also break down a new rental property they recently removed conditions on, including why the property works, why the cash flow is strong, why the tenant profile makes sense, and why the property has both rental demand and future resale demand. This episode is about cutting through the noise, thinking critically, and understanding that the market is not simply good or bad. It depends where you are investing, what you are buying, how the numbers work, and whether you actually understand the opportunity. What You'll Learn in This Episode Why some people say it is a terrible time to invest in Canada Why others say it is the best time in history Why Wayne believes both broad statements are wrong Why Canada is not one single real estate market Why most real estate still does not work as an investment Why very specific pockets of opportunity still exist Why education and coaching matter more in today's market Why Wayne stopped planning to buy more properties in 2019 Why the market shifts since 2020 created new opportunities Why some investors have gone broke while others are doing extremely well Why cash flow and the 5% Rule™ still matter Why Wayne believes the best current opportunities are not obvious to most investors Why Edmonton garden suites may be one of the strongest opportunities right now Why Friday's Edmonton Garden Suites 101 event created major aha moments Why Wayne and Gabby are already planning another garden suite session in July Why investor advice should come from people actively doing the work Why headlines and AI-generated content are not enough Why critical thinking matters when listening to real estate advice Why Wayne and Gabby continue buying in very specific markets Why C-class neighbourhoods can produce strong rental demand Why tenant profile matters when choosing a property Why affordability, transit, schools, walkability, and extra bedrooms matter to renters Why the best rental properties must also appeal to future buyers Upcoming Events Edmonton Garden Suites 101 Next session planned for July 24, 2026 Edmonton, Alberta www.reimasters.ca REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, investor questions, market updates, and practical real estate investing advice. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping and tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: [email protected] 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 Mortgage Brokers www.kbmortgages.ca [email protected]

Everybody says real estate is one of the best ways to build wealth. And that is true. But it is also true that most real estate does not make a good rental property investment. In this episode, Wayne and Gabby continue the conversation from yesterday's episode and answer a listener question about why Wayne says 99% of real estate in Canada does not actually work as a good investment. Wayne explains that real estate can absolutely create wealth, but not every house, condo, duplex, townhouse, or multifamily property makes sense as a rental business. A property can go up in value and still be a poor investment if it does not cash flow, requires constant support from your personal income, or puts you at risk of being forced to sell during the wrong market conditions. Wayne breaks down the difference between buying real estate as an asset and buying real estate as a business. If you buy a property all cash, you are mostly relying on appreciation. But real estate investing becomes powerful because of leverage. Investors can use financing, put 20% down, borrow the rest, rent the property out, and use tenant income to help cover the expenses, pay down the mortgage, and create cash flow. That is what separates real estate from many other investments. But it only works when the numbers work. Wayne walks through a simple example of a $500,000 property with a $400,000 mortgage, property taxes, insurance, and monthly expenses. He explains why many properties across Canada do not produce enough rent to cover those costs, and why investors who buy those properties may be forced to support them every single month out of pocket. That does not mean those investors can never make money. It means they are taking on more risk than they realize. If rents drop, interest rates rise, a tenant stops paying, a property sits vacant, a furnace fails, or life changes, the investor may be forced to sell at the worst possible time. That is how people lose money in real estate. Wayne and Gabby also explain why the right properties are the ones that produce cash flow from day one, pass the 5% Rule™, have strong long-term demand, and allow the investor to build reserves. They also discuss why garden suites in Edmonton may be creating a major new opportunity by turning properties that previously did not work into properties with significantly more income, equity, and value-add potential. This episode is a practical breakdown of how to think about real estate investing properly, why most properties should be ignored, and how to start finding the small percentage of properties that can actually help you build long-term wealth. What You'll Learn in This Episode Why Wayne says 99% of Canadian real estate does not make a good investment Why real estate can make people rich and still be risky when done wrong Why most properties do not work as rental businesses Why appreciation alone is not enough Why buying all-cash is different from leveraged real estate investing Why leverage is one of the biggest advantages in real estate Why rent needs to cover the mortgage, taxes, insurance, and expenses Why negative cash flow creates risk Why investors should not rely on personal income to support bad properties Why a property can go up in value and still be a poor investment Why investors lose money when they are forced to sell Why strong cash flow helps investors survive market changes Why interest rates, taxes, insurance, vacancies, repairs, and tenant issues must be planned for Why the 5% Rule™ helps identify stronger rental properties Why reserves are critical to long-term success Why most neighbourhoods and property types will not pass the numbers test Why Edmonton still has pockets of opportunity Why garden suites may turn certain properties into major value-add opportunities Why the best investors learn how to find the 1% of properties worth buying Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, investor questions, market updates, and practical real estate investing advice. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping and tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: [email protected] 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 Mortgage Brokers www.kbmortgages.ca [email protected]

This is one of the most important episodes Wayne and Gabby have ever recorded. In this episode, Wayne opens with a serious announcement about a rental property, a major loss, and a lesson that every real estate investor needs to hear. But the real lesson is much deeper than the headline. Wayne and Gabby explain how real estate investors lose money, why so many people disappear from the industry after three to five years, and why most failures come from ignoring the fundamentals. This episode is about what actually protects a rental property portfolio: cash flow, reserves, market selection, buying right, sustainable financing, proper systems, and knowing how to survive when the market shifts. Wayne explains why real estate investing is not about looking flashy, collecting doors, chasing gimmicks, or impressing people online. It is about buying the right properties, in the right markets, with strong cash flow and systems that allow the business to survive interest rate spikes, falling rents, rising expenses, bad tenants, insurance increases, property tax changes, and unexpected storms. Wayne and Gabby also discuss the 5% Rule™, why cash flow is the life raft of a rental property business, and why investors should never rely on hope, appreciation, or inflated rents to make a deal work. If you are buying rental properties, thinking about investing, or wondering how to avoid becoming one of the investors who gets wiped out, this episode is worth listening to all the way through. What You'll Learn in This Episode How real estate investors lose money Why most investors fail after three to five years Why cash flow is the life raft of a rental property business Why the 5% Rule™ helps investors avoid dangerous deals Why a property can drop in value without creating a real loss Why you only lock in a loss when you are forced to sell Why strong cash flow helps investors avoid being forced to sell Why interest rate spikes can destroy weak portfolios Why falling rents can expose bad investments Why property taxes and insurance costs need to be planned for Why investors need reserve funds and backup plans Why flashy strategies often come with more risk than people admit Why BRRRRs, flips, multifamily, short-term rentals, developments, and rent-to-own require proper systems Why most residential real estate does not work as a rental property Why investors need to find the small percentage of properties that actually make sense Why buying right matters from day one Why boring rental properties can produce exceptional returns Why systems, fundamentals, market selection, and cash flow matter more than hype Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, and practical real estate investing advice. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping and tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: [email protected] 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 Mortgage Brokers www.kbmortgages.ca [email protected]

🎧 Rents Are Falling: Is The Sky Falling Or Is This The Best Opportunity In Years? Canadian Real Estate Investing Morning Show – Hosted by real estate investing coaches Wayne & Gabby Hillier Rents are falling across several Canadian markets, but that does not automatically mean the sky is falling for real estate investors. In fact, this shift may be creating one of the best buying opportunities investors have seen in years. In this episode, Wayne and Gabby break down the latest Canadian rental market data and explain why softer rents were predictable, why some investors may be in trouble, and why disciplined investors could benefit from the changing market. New rental buildings, recently completed condominium projects, slower population growth, affordability pressures, and fewer renters transitioning into homeownership are all affecting rental markets across Canada. However, not every market or property type is experiencing the same conditions. Wayne explains why newer, more expensive rental units are facing more competition and higher vacancies, while affordable properties, older stabilized buildings, and family-sized rentals may remain in much stronger demand. They also discuss the important difference between residential real estate and multifamily investing. Residential property values are primarily influenced by comparable sales, while multifamily values are heavily tied to rental income and net operating income. Falling rents can therefore create significant problems for investors who purchased multifamily properties using aggressive rental projections. But for investors who bought strong properties, maintained healthy cash flow, kept adequate reserves, and planned for changing market conditions, softer rents do not necessarily need to be a crisis. They may actually create opportunity. A slower market can mean fewer buyers, less competition, more motivated sellers, greater negotiating power, and another chance to purchase profitable rental properties before prices begin rising again. Wayne explains why he continues buying when prices soften, provided the property still generates strong cash flow and makes sense without depending on appreciation. Gabby also shares why falling rents can be positive for the day-to-day operation of a rental property business. When tenants can comfortably afford their rent, landlords may experience fewer late payments, fewer evictions, less turnover, and more stable long-term tenancies. Wayne and Gabby also share what they are seeing inside their own rental portfolio, including stronger demand for affordable units, family homes, finished basements, additional bedrooms, and properties that can support multigenerational living. The market is changing, but changing markets create opportunities for investors who understand what is happening and know how to respond. 🧠 What You'll Learn in This Episode Why rents are falling across several Canadian markets What the latest CMHC rental market report says Why new condominium supply is entering the rental market Why Toronto, Vancouver, Calgary, Ottawa, Halifax, Montreal, and Edmonton are behaving differently Why newer and more expensive units are experiencing higher vacancies Why affordable and family-sized rentals may remain in stronger demand Why landlords are offering free rent, parking, gift cards, and moving incentives Why rental markets and residential real estate markets move differently Why multifamily property values are closely tied to rents and net operating income Why falling rents could expose investments built on aggressive assumptions Why strong cash flow protects investors during market changes Why investors should never depend on inflated rents to make a deal work Why tenant affordability matters to the health of a rental business Why multigenerational living is becoming more common Why additional bedrooms and finished basements may increase rental demand Why softer rents could lead to more stable, longer-term tenants Why a slower market may create better negotiating opportunities Why fewer buyers can benefit disciplined investors Why Wayne continues buying when prices soften Why this could be one of the best real estate buying opportunities in years 📅 Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, and practical real estate investing advice. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping and tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: [email protected] 🤝 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 Mortgage Brokers www.kbmortgages.ca [email protected]

🎧 Is It Too Late To Start Real Estate Investing? Canadian Real Estate Investing Morning Show – Hosted by real estate investing coaches Wayne & Gabby Hillier Most real estate investing advice focuses on starting young and giving your portfolio decades to grow. But what happens when you are starting in your 40s, 50s, or even 60s? In this episode, Wayne and Gabby answer a listener question about getting started later in life and whether there is still enough time to build meaningful wealth through real estate. The answer is yes, but the strategy needs to change. Wayne explains why older investors cannot necessarily follow the same path as someone starting in their early twenties. There is less time available for appreciation, mortgage paydown, and compounding, which means investors need to make decisions more intentionally and avoid wasting years trying to figure everything out alone. They discuss why education, coaching, and calculated risk become even more important when you are starting later. Wayne also breaks down the differences between safer long-term buy-and-hold investing and more active strategies such as BRRRRs, flips, rent-to-own, and value-add multifamily. Gabby shares some of the advantages older investors may have, including stronger income, accumulated savings, home equity, better credit, a larger professional network, more credibility, and stronger decision-making skills. This episode is an honest conversation about accepting where you are, stopping the excuses, protecting the resources you have built, and taking action while there is still time. 🧠 What You'll Learn in This Episode Whether it is too late to start investing in your 40s, 50s, or 60s Why starting later requires a different real estate strategy Why time in the market is one of the biggest wealth-building advantages Why older investors cannot afford to waste time making avoidable mistakes Why education and coaching matter even more when starting later Why calculated risk is different from blindly gambling your savings Why BRRRRs and flips can accelerate equity but carry additional risk Why rent-to-own may be a strong strategy for investors starting later Why value-add multifamily can be much riskier than it appears Why long-term buy-and-hold properties that meet the 5% Rule™ remain reliable Why cash flow should protect your portfolio rather than fund your lifestyle Why older investors may have more income, savings, credit, and home equity Why a larger network can make raising capital and finding joint ventures easier Why maturity and better decision-making can become a major advantage Why the best time to start may have been years ago, but the second-best time is now 📅 Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, seller financing, rent-to-own, garden suites, and creative real estate strategies. New episodes are released every weekday morning featuring real stories, coaching moments, and practical investing advice. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping and tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: [email protected] 🤝 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]

The Edmonton real estate market is shifting, and smart investors need to pay attention. In this episode, Wayne and Gabby start by answering a listener question about how they handle late rent in their rental property business. They explain their on-time rental discount system, why they use it instead of relying only on late rent fees, how it helps tenants take rent payment seriously, and why it can be a strong tool for landlords who want to reduce late payments and protect their systems. Wayne and Gabby also discuss why lease clauses need to balance protection with simplicity, especially in a market where vacancy is rising and landlords need to make the tenant onboarding process as smooth as possible. Later in the episode, investor-focused Edmonton Realtor Calvin Hexter joins the show for a real estate market update. Calvin breaks down what he is seeing in Edmonton right now, including longer days on market, sellers who are not getting the prices they expected, buyers gaining more leverage, and why some properties are still receiving multiple offers while others are sitting. Wayne and Calvin also discuss why seller financing may become more attractive in this market, why investors need to stay conservative with their numbers, and why the right power team can help investors identify opportunities before everyone else sees them. They also talk about Edmonton garden suites, the importance of knowing your buy box, and why investors who understand the market can make money in any market cycle. If you are a landlord, rental property investor, or someone watching the Edmonton real estate market closely, this episode will help you understand what is happening right now and how to adjust your strategy. What You'll Learn in This Episode How Wayne and Gabby use an on-time rental discount system Why late rent fees may not always be the strongest landlord tool Why the on-time rental discount helps encourage tenants to pay on time Why lease clauses need to be enforceable and easy to understand Why landlords need to balance protection with tenant onboarding Why Edmonton garden suites are a major opportunity right now Why knowing your buy box makes investing decisions easier What Calvin Hexter is seeing in the Edmonton real estate market Why some Edmonton properties are sitting longer than expected Why sellers may need to adjust expectations in the current market Why buyers may be gaining more leverage Why investor-grade properties can still attract multiple offers Why seller financing may become more useful in this market Why investors should stay conservative with their numbers Why fix-and-flip investors need to understand timing and market direction Why rental assumptions need to be conservative right now Why a strong Realtor, mortgage broker, lawyer, accountant, and coach matter Why investors can still find opportunity in changing markets Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative financing. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

If you are just getting started in real estate investing, your first move matters. In this episode, Wayne and Gabby answer a listener question from a 28-year-old new investor in Edmonton who recently moved to Canada, works in IT, earns about $80,000 per year, has saved $40,000, and wants to start building long-term wealth through real estate. Wayne breaks down what he would do in this situation and explains why many new investors make mistakes by trying to figure everything out on their own before getting proper education. He also explains why your first property should be chosen based on future rental potential, not just personal preference. Wayne discusses the strategy of buying a property as a primary residence with 5% down, living in it, improving it, and eventually turning it into a rental property. He also explains why this strategy can help new investors stretch limited capital further, why Edmonton townhouses may be one of the best starting points right now, and why investors need to understand cash flow, risk, mortgage paydown, and long-term appreciation before they buy. Wayne and Gabby also talk about the 5% Rule™, why cash flow protects investors during storms like interest rate increases, why cash flow should be saved instead of spent, and why reserves matter. Later in the episode, Wayne explains why raising capital and joint ventures eventually become unavoidable for investors who want to scale beyond their own savings and mortgage capacity. If you are a new investor wondering how to buy your first rental property, this episode will help you think through your first move with more clarity, strategy, and confidence. What You'll Learn in This Episode Why new investors should ask better questions before buying Why your first property can shape your future portfolio Why education matters before making your first move Why many investors regret buying the wrong first property Why Wayne recommends buying with the future tenant in mind Why your first home can become your first rental property How 5% down can help new investors get started Why Edmonton townhouses may be a strong starting point Why buying one property with 20% down is not always the best use of capital How mortgage paydown builds equity over time Why appreciation across multiple properties can accelerate wealth building Why cash flow matters as a risk mitigator Why Wayne does not recommend spending your cash flow too early Why the 5% Rule™ helps investors prepare for storms Why interest rate increases do not have to destroy your portfolio Why scaling eventually requires access to other people's capital Why joint ventures are inevitable for serious investors Why building trust, credibility, and education matters before raising capital Why opportunities do not last forever Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative financing. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]  

Condo townhouses can be one of the best real estate investing opportunities in Edmonton, but only if you know how to do your due diligence properly. In this episode, Wayne and Gabby answer a listener question from a new investor who is buying a condo townhouse in Edmonton and wants to understand how much weight should be placed on the condo document review, reserve fund study, condo fees, special assessments, and overall strength of the condo corporation. Wayne explains why condo document reviews are one of the most important parts of buying a condo townhouse as an investment property. A townhouse can have great numbers, strong rent potential, and appreciation upside, but a poorly managed condo corporation or weak reserve fund can ruin the deal. Wayne and Gabby also discuss why investors should review condo documents carefully, why hiring a professional condo document review company matters, what to look for in reserve fund studies, and why a special assessment does not always mean the condo corporation is bad. They also share a recent example from one of their own Edmonton townhouse purchases where the reserve fund study history raised questions and required further investigation. Later in the episode, Wayne and Gabby answer another listener question about basement suite layout: is it better to build two small bedrooms or one larger bedroom with more living space? They explain why tenant profile matters, why more bedrooms do not always mean better tenants or better long-term results, and why they often prefer a spacious one-bedroom basement suite for a single person or couple. If you are buying a condo townhouse, reviewing condo documents, investing in Edmonton real estate, or planning a basement suite, this episode will help you think through the decision like a real investor. What You'll Learn in This Episode Why condo document reviews are critical before buying a condo townhouse Why a good rental property can still be ruined by a bad condo corporation Why Wayne puts major weight on the reserve fund and condo corporation Why condo townhouses can be one of the best opportunities in Edmonton right now Why more condo corporations are poorly managed than most investors realize Why investors need to review bylaws, meeting minutes, financials, and reserve fund studies Why a reserve fund study should be updated every five years in Alberta Why a missing or outdated reserve fund study can be a warning sign Why a special assessment does not always mean the condo corporation is bad Why condo fee increases can sometimes be responsible long-term planning Why investors should hire a condo document review company Why Wayne teaches students how to understand condo documents instead of blindly relying on others Why basement suite layout should be based on tenant profile Why two bedrooms are not always better than one bedroom Why Wayne and Gabby prefer basement suites for singles or couples Why natural light and spacious layouts matter in basement suites Why more people in a suite can create more management issues Why strong systems make real estate investing easier Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative financing. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

What do you do when a tenant says they are not paying their final month's rent because you can just use their security deposit? In this episode, Wayne and Gabby walk through a real situation from their rental portfolio where a tenant refused to pay May rent, stopped responding to communication, claimed they knew their rights, and suggested the damage deposit could be used instead. Wayne and Gabby explain exactly how they handled it from April 15th through June 1st, including how they communicated with the tenant, why they filed with RTDRS early, how they planned for multiple outcomes, and what happened when they finally got access to the property. They also discuss why possession matters so much, why landlords need to understand the difference between security deposits and rent, why documentation is critical, and why the right systems can turn a stressful tenant situation into a manageable business problem. This episode is not about fearmongering. It is about showing landlords how to stay calm, follow the process, reduce risk, document properly, and protect their rental property business. Wayne and Gabby also talk about the heavy rainfall in Edmonton, water issues at rental properties, June 1st rent collection, vacancies, inspections, garden suites, and the reality of managing a large rental portfolio. If you are a landlord, self-managing investor, or someone who is nervous about tenant problems, this episode will help you understand how experienced landlords think through situations like this. What You'll Learn in This Episode What happened when Wayne and Gabby's tenant refused to pay final month's rent Why tenants cannot simply use the security deposit as last month's rent Why Wayne and Gabby gave notice that the lease would not be renewed Why the tenant going silent changed the strategy Why filing with RTDRS early helped reduce risk Why landlords should plan for multiple possible outcomes Why possession is one of the most important parts of landlording What happened when their agent went to the property on move-out day Why abandoned possession was one of the better outcomes Why cleaning, junk removal, and damages need to be documented Why security deposits should be handled properly Why landlords need written communication and strong records How Wayne and Gabby decide whether it is worth pursuing money owed Why tenant problems are manageable when you have systems Why proper screening reduces the chance of major tenant issues Why rental property reserves matter during vacancies and turnover Why self-managing rental properties remotely is possible with the right team Why real estate investing problems should be treated like business problems Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative financing. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Where are Wayne's favourite Edmonton neighbourhoods to invest in? In this episode, Wayne and Gabby break down some of the Edmonton neighbourhoods Wayne likes for rental property investing, and why they make sense from an investor's perspective. This is not about buying the fanciest house in the prettiest neighbourhood. It is about understanding tenant profile, affordability, accessibility, property type, cash flow potential, long-term demand, and whether the area fits the kind of rental property business you are trying to build. Wayne shares why he likes areas like Ormsby Place, Jasper Park, Kensington, Ellerslie, Summerside, and Lakewood, while also explaining the strengths and weaknesses of each one. He also talks about why working-class neighbourhoods can be powerful for investors, why accessibility matters, why some areas attract longer-term tenants, and why investors need to separate what they personally like from what tenants actually want. Wayne and Gabby also discuss infill development, suited houses, townhouses, single-family rentals, tenant desirability, and why some Edmonton neighbourhoods may change dramatically over the next 10 to 30 years. If you are thinking about investing in Edmonton real estate, this episode will help you better understand how Wayne looks at neighbourhoods, tenant profile, property types, and long-term rental demand. What You'll Learn in This Episode Why Wayne still sees strong opportunity in Edmonton real estate Why neighbourhood selection matters for rental property investors Why investors should think about tenant profile first Why accessibility can make a rental property more desirable Why working-class neighbourhoods can be strong rental areas Why Wayne likes Ormsby Place for accessibility and tenant demand Why Jasper Park has changed so much because of infill development Why some older Edmonton neighbourhoods may become more renter-focused over time Why Kensington can be a strong area for suited houses and family rentals Why Ellerslie and Summerside attract long-term family tenants Why Lakewood in Mill Woods has historically worked well for Wayne Why rental properties do not need to be flashy to be profitable Why investors should separate personal preference from business decisions Why tenant retention matters for long-term profitability Why townhouses, suited houses, and single-family rentals can each serve different tenant profiles Why Edmonton investors need to understand how neighbourhoods are changing Why cash flow and tenant demand matter more than buying something "sexy" Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative financing. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Real estate investing can change your life, but only if you do it the right way. In this episode, Wayne and Gabby have one of their most honest conversations yet about real estate investing, authenticity, bad advice, fake confidence, and why so many new investors get pulled into strategies they do not fully understand. Wayne talks openly about the lack of authenticity in the real estate investing world, why people are often attracted to flashy promises, and why safe, reliable investing rarely looks exciting from the outside. He also explains why investors need to stop blindly following people online, do their own research, and learn how to tell the difference between a real investor and someone selling a dangerous shortcut. The episode then shifts into a real listener question from someone who owns a paid-off home worth approximately $900,000, is planning to move provinces, and is considering using a HELOC to turn that home into a rental while buying a triplex. Wayne and Gabby break down the situation honestly, including why a former personal residence does not automatically make a good rental property, why cash flow matters, why expensive homes often perform poorly as rentals, and why selling the property may create a much stronger investing opportunity. This episode is part speech, part coaching session, and part real-world deal analysis. It is a reminder that real estate investing does not need to be flashy to work. It needs to be safe, simple, profitable, and built on real numbers. If you are a new investor, thinking about using home equity, trying to decide whether to keep a former home as a rental, or feeling overwhelmed by conflicting real estate advice online, this is an episode you should listen to carefully. What You'll Learn in This Episode Why authenticity matters in real estate investing Why Wayne believes too many investors follow flashy but dangerous advice Why new investors need to do their own research before trusting anyone Why safe and reliable investing is often boring, but powerful Why raising capital works better when you are real and honest Why many real estate investing "cycles" are caused by people doing risky things Why Wayne believes investors need to stay in their own lane Why a paid-off personal home does not automatically make a good rental How to think through using a HELOC to buy more real estate Why expensive homes often struggle to cash flow as rentals Why repairs, maintenance, taxes, insurance, and financing costs matter Why cash flow protects you from risk Why selling a personal residence can sometimes create better investing options How one large amount of trapped equity could be redeployed into better rental properties Why Edmonton townhouses and garden suites may create stronger returns than keeping a low-cash-flow house Why Wayne recommends making decisions based on math, not emotion Why real estate investing is simple when you follow the fundamentals Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative financing. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Interest rates are changing, but not always in the way the headlines make it seem. In this episode, Wayne and Gabby are joined by investor-focused mortgage broker Keaton Kirkwood to talk about what is actually happening with mortgage rates, fixed rates, renewals, and financing for real estate investors. Keaton explains why fixed rates are connected to bond yields, why the media often focuses too much on Bank of Canada announcements, and why investors with upcoming renewals should be paying close attention to recent pricing changes. They also discuss why mortgage planning is getting more complex, especially for investors, self-employed borrowers, and people building larger portfolios. Wayne, Gabby, and Keaton also talk about the importance of having the right power team, including your mortgage broker, realtor, accountant, and lawyer. When things go wrong in a deal, the right team can make the difference between a deal falling apart and a deal getting done. This episode also covers property inspections, negotiation, turnkey rentals, cash flow, amortization strategy, renewal planning, and why real estate investors need to model out different interest rate scenarios instead of hoping everything stays the same. If you are buying rental properties, renewing mortgages, or trying to build a portfolio in Canada, this episode will help you think more clearly about interest rates, financing, and long-term planning. What You'll Learn in This Episode What is happening with interest rates right now Why fixed mortgage rates are connected to bond yields Why Bank of Canada announcements do not directly control fixed rates Why investors with renewals should ask for updated pricing Why mortgage planning is getting more complex for real estate investors Why self-employed borrowers and larger portfolios need better planning Why the right mortgage strategy can protect future buying power Why power team relationships matter when problems come up How a mortgage broker, realtor, accountant, and lawyer can work together Why inspections are not just about walking away from a deal How inspections can create negotiation opportunities Why turnkey properties can be powerful for scaling Why copy-paste systems can beat chasing unicorn deals Why real estate investors should model different interest rate scenarios How re-amortization can sometimes reduce payment pressure at renewal Why buying properties tenants actually want can reduce vacancy risk Why investors need reserves and contingency planning Why the price is forever, but the rate is temporary Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative financing. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Building a lease agreement is one thing. Enforcing it is where many landlords get uncomfortable. In this episode, Wayne and Gabby answer landlord and tenant questions about enforcing lease agreements, dealing with tenant disputes, and understanding the process when a tenancy starts going sideways. They discuss how Alberta's Residential Tenancy Dispute Resolution Service works, what happens if a tenant files a claim against a landlord, and what evidence landlords should prepare when responding to a dispute. Wayne and Gabby also talk about what happens when a tenant does not move out at the end of a fixed-term lease, why landlords need to follow the legal process, and why documentation matters so much. They also cover one of the most common landlord frustrations: tenants trying to use their security deposit as last month's rent. This episode is a practical conversation about running your rental property like a real business. It covers lease enforcement, documentation, tenant screening, RTDRS claims, security deposits, eviction notices, and the systems landlords need to reduce risk. If you own rental properties or are planning to become a landlord, this episode will help you understand how to enforce your lease with confidence, professionalism, and proper documentation. What You'll Learn in This Episode Why building a lease agreement is only the first step Why enforcing the lease is where landlords need confidence How to be firm without being unreasonable Why landlords should understand the Residential Tenancies Act What the RTDRS is and how it works in Alberta What happens when a tenant files a claim against a landlord Why documentation matters in every landlord and tenant dispute How to prepare evidence for an RTDRS hearing Why timelines, written communication, and records are so important What happens if a tenant does not move out at the end of a fixed-term lease Why landlords cannot physically remove tenants themselves When a landlord may need an order and a bailiff Why tenants technically cannot use the security deposit as last month's rent Why this situation is still hard to prevent in real life Why tenant screening matters long before problems happen Why strong systems protect your rental property business Why Wayne believes many landlord problems come from not knowing the rules Why Alberta remains one of the strongest provinces for landlords and investors Upcoming Events Edmonton Garden Suites 101 June 12, 2026 Edmonton, Alberta www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

A strong lease agreement sets the foundation for your rental property business. In this episode, Wayne and Gabby break down how landlords can think about building a lease agreement that is clear, practical, and easy for tenants to understand. They explain why a lease agreement is not just about legal protection. It also helps set expectations, clarify responsibilities, document what both sides agreed to, and support the systems you use to manage your rental properties. Wayne and Gabby discuss why landlords should start with a proper template, make sure it follows provincial landlord and tenant laws, and then customize it based on their property, systems, and real-world experience. They also talk about communication rules, smoking, cannabis, pets, guests, parking, maintenance responsibilities, inspections, cleanliness expectations, and why a lease should be simple enough that tenants actually read and understand it. If you own rental properties, are preparing to rent out your first unit, or want to improve your landlording systems, this episode will help you understand what goes into a strong lease agreement. What You'll Learn in This Episode Why a lease agreement sets the foundation for your rental property business Why every landlord needs a clear written lease agreement Why a lease agreement should support provincial landlord and tenant laws Why you should start with a template instead of building from scratch Why your lease should be simple enough for tenants to understand Why legal language is not always better Why tenants need to understand their responsibilities before they move in Why communication rules are one of the most important parts of your system Why Wayne and Gabby prefer written communication with tenants Why documentation matters if a tenancy ever goes bad Why a lease agreement should support your property management systems What clauses landlords may want to consider adding Why smoking, cannabis, guests, pets, parking, and noise should be addressed Why multi-unit properties may require clearer expectations Why maintenance responsibilities should be outlined clearly Why inspections and documentation help protect your investment Why a good lease agreement is only one part of a larger landlord system About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Edmonton Garden Suites 101: www.reimasters.ca/edmontongardensuites101 Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

What happens when your rental property renovation is finally finished, the cleaners are booked, the photographer is scheduled, and then a surprise repair shows up out of nowhere? In this episode, Wayne and Gabby share the painful story of a $14,000 surprise repair at one of their rental properties. After finishing a basement suite renovation, they discovered a major drain line issue that required jackhammering through the newly renovated suite, replacing the drain line, and repairing the damage afterward. Wayne and Gabby break down what happened, how they responded, why having the right trades and systems matters, and why real estate investors need to be prepared for unexpected repairs. They also talk about renovation surprises, contingency budgets, buying with enough equity cushion, cash reserves, and why owning rental properties requires emotional resilience. This episode is a real look behind the scenes of real estate investing. Not everything goes smoothly. Not every renovation stays on budget. Not every problem can be avoided. But with the right systems, the right team, and the right reserves, investors can handle these moments and keep moving forward. If you own rental properties, are planning your first renovation, or think real estate investing is always clean and easy, this episode will give you a more realistic picture of what it takes to build and manage a rental portfolio. What You'll Learn in This Episode What happened with Wayne and Gabby's $14,000 rental property repair Why surprise repairs can happen even after inspections and renovations Why drain line issues can be expensive and disruptive Why sewer lines and drain lines are not the same thing Why renovations rarely go exactly according to plan Why opening walls can reveal hidden electrical, plumbing, and safety issues Why investors need contingency budgets for renovations Why buying with equity cushion can protect you when costs increase Why cash reserves are critical for rental property investors Why having the right trades on your power team matters How Gabby handled the repair using systems and trusted contractors Why emotional resilience is part of being a real estate investor Why investors should expect problems and know who to call Why Wayne and Gabby still see the deal as manageable because they bought it right Why real estate investing requires both patience and action Why sharing real stories helps investors understand the business more honestly About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact REI Masters Edmonton Real Estate Investing Bus Tour: www.reimasters.ca/edmontonbustour Use discount code: REI Morning Show Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Can one rental property change your family's future? In this episode, Wayne interviews Gabby about what real estate investing has created for their family, their lifestyle, and their long-term future. Gabby shares why the greatest benefit of real estate investing has been the lifestyle it created, including time freedom, the ability to homeschool their daughter, working together as a family, and having more control over their days. Wayne and Gabby also talk about the power of leverage, how they started with one rental property and a small down payment, and how real estate investing allowed them to build a life they never would have thought possible. This episode also dives into the emotional side of real estate investing, why people want financial freedom, why time matters so much, and why real estate can become a tool for creating a more fulfilling life. Wayne explains why real estate investing clicked for him, how leverage changed everything, and why he believes smart, fundamentals-based real estate investing can change the financial future of Canadian families. If you are trying to understand why real estate investing matters beyond monthly cash flow, this episode will help you see the bigger picture. What You'll Learn in This Episode Why real estate investing is about more than cash flow How real estate investing created lifestyle freedom for Wayne and Gabby Why time freedom can matter more than luxury or status How real estate helped create more flexibility for their family Why Gabby values being able to homeschool and work from home Why leverage is one of the most powerful parts of real estate investing How Wayne and Gabby started with one down payment and one property Why real estate can quietly build long-term wealth in the background Why patience is necessary when building a rental portfolio Why forcing growth too quickly can create unnecessary risk Why systems matter when managing rental properties at scale How Gabby manages a large portfolio remotely Why Wayne believes real estate investing is easier when you understand the math Why real estate can create confidence, certainty, and long-term opportunity Why starting sooner gives investors more time to compound How real estate investing can help build a more fulfilling life About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Learn about the Remote Property Management Course: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

How do you know if a real estate deal is actually good? In this episode, Wayne and Gabby break down the key elements every investor should look at before buying a rental property. Wayne explains why a good deal is not based on emotion, wall colours, gut feeling, or whether a property simply "looks cool" online. A good real estate deal needs to be analyzed like a business. The conversation covers the most important pieces of a strong investment property, including cash flow, projected return on investment, tenant profile, money made on the buy, appreciation potential, value-add opportunities, and whether the deal actually fits your personal investing goals. Wayne and Gabby also share stories from their recent property viewings in Edmonton, including why they are actively buying right now, what they look for when walking through a property, and how small details can affect both buyer and tenant appeal. If you are trying to buy your first rental property, analyze better deals, or stop guessing whether something is a good investment, this episode will help you build a clearer checklist for making smarter real estate decisions. What You'll Learn in This Episode Why a good real estate deal should be judged like a business Why investors should not buy based on emotion or appearance alone Why cash flow is the first major piece of a good rental property How cash flow protects your portfolio during hard seasons Why the 5% Rule™ matters when analyzing rental properties What projected ROI means and why every investor needs a personal standard Why appreciation should be considered but not relied on Why tenant profile matters before you buy the property How the type of property affects the type of tenant you attract Why Wayne and Gabby prefer simple, easy-to-manage rentals Why making money on the buy can boost your return immediately Why value-add potential can make a deal stronger How upgrades, secondary suites, and garden suites can increase income and value Why not every value-add opportunity is worth doing Why a deal still needs to fit your personal goals Why clarity helps your realtor, coach, and network bring you better opportunities About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

What does it mean when a private equity firm plans to buy hundreds of millions of dollars worth of unsold Toronto condos and turn them into rentals? In this episode, Wayne and Gabby break down a major Canadian real estate story involving a Montreal-based private equity firm reportedly planning to purchase roughly $500 million worth of unsold Toronto condo units and convert them into rental housing. Wayne explains why this story matters for Canadian real estate investors, even if they are not investing in Toronto. The conversation explores how market cycles work, why institutional investors often step in when everyday buyers freeze, and how unsold condo inventory can shift from the ownership market into the rental market. Wayne and Gabby also discuss the possible ripple effects of adding a large amount of condo rental inventory into one market, including what it could mean for vacancy rates, rental prices, landlord competition, and investor sentiment. They also connect the conversation back to Edmonton, garden suites, bus tour takeaways, and why smart investors need to understand where opportunity is heading before the crowd catches on. If you are trying to understand Canadian real estate cycles, Toronto condos, rental supply, investor behaviour, and how to spot opportunities before they become obvious, this episode will help you think more strategically. What You'll Learn in This Episode Why a private equity firm is targeting unsold Toronto condos What $500 million in condo purchases could mean for the rental market Why unsold condo inventory can become an opportunity for large investors Why institutional investors play a different game than mom-and-pop investors Why everyday investors should not blindly copy large private equity firms How condo inventory can shift from ownership housing to rental housing Why adding rental supply can affect vacancy rates and rental prices How market cycles create opportunities for investors who understand timing Why smart investors pay attention when headlines turn negative Why investors need to watch what happens after big money enters a market How government incentives and affordable rental housing may influence large purchases Why Wayne believes investors need to follow the breadcrumbs and act before opportunities disappear Key takeaways from the REI Masters Edmonton Real Estate Investing Bus Tour Why Edmonton garden suites remain a major opportunity for local investors Why education, coaching, systems, and execution matter after buying the property About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, garden suites, and creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

What is really happening in the Edmonton real estate market right now? In this episode, Wayne and Gabby are joined by Edmonton investor-focused Realtor Calvin Hexter from Calvin Realty for a real-time Edmonton real estate market update. Calvin shares what he is seeing in the spring 2026 market, including inventory levels, buyer activity, seller expectations, condo apartment movement, price trends, and where the market may be heading later this year. Wayne, Gabby, and Calvin also discuss why Edmonton continues to attract real estate investors from across Canada, why cash flow is still one of the biggest advantages of investing in Alberta, and why Edmonton remains a reliable long-term market for investors who want safety, consistency, and strong fundamentals. They also talk about the difference between primary home buyers and investors, why some sellers may become more motivated as listings sit longer, and how investors can use market data to make smarter offers, find better opportunities, and avoid emotional decision-making. If you are investing in Edmonton, thinking about buying your first rental property, or trying to understand where the Alberta real estate market is heading in 2026, this episode will help you see the market from both an investor and Realtor perspective. What You'll Learn in This Episode What is happening in the Edmonton real estate market right now Why Edmonton continues to attract investors from across Canada Why Wayne and Gabby still see Edmonton as one of Canada's best real estate investing markets Why cash flow is one of Edmonton's biggest advantages How cash flow helps investors weather real estate market storms Why the 5% Rule™ matters when buying rental properties What Calvin is seeing with spring 2026 inventory levels Why the Edmonton market is balanced but still slightly seller-favoured Why investors may see more opportunities later in 2026 Why condo apartments saw movement, but may not be ideal for most investors Why sellers need to be more strategic in today's market How investors can find opportunity in listings that sit longer Why repeated price drops can signal seller motivation Why seller financing may become more relevant in a softening market How Calvin Realty helps investors narrow down areas, property types, and strategies Why Edmonton's "boring" consistency can be a major strength for long-term investors About Today's Guest Calvin Hexter is an Edmonton investor-focused Realtor and founder of Calvin Realty. Calvin and his team work with real estate investors across Alberta, helping them identify strong rental property opportunities, understand neighbourhood desirability, analyze investor-friendly properties, and navigate the Edmonton market with more confidence. Learn more at: calvinrealty.ca Resources From Calvin Realty QUIZ: What area, A, B, C, or D, suits you best? https://ph251bwc1lb.typeform.com/to/NX69XAOX What do the A, B, C, and D areas mean? https://calvinrealty.ca/edmonton-specific-a-b-c-d-locations/ Desirability Map: See which Edmonton locations fit you https://calvinrealty.ca/investor-desirability-map/ May 2026 Edmonton Market Stats https://calvinrealty.ca/may-2026-edmonton-market-snapshot-momentum-is-building-but-strategy-matters-more-than-ever/ About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, and other creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

You do not need to be rich, famous, flashy, or full-time in real estate to build massive wealth. In this episode, Wayne and Gabby break down how average Canadians are quietly building serious long-term wealth through simple, boring, fundamentals-driven real estate investing. Wayne explains why most successful real estate investors do not look flashy from the outside. They are often regular people buying practical rental properties, focusing on cash flow, using bank financing wisely, holding for the long term, and repeating the process over time. This episode is especially helpful for newer investors who feel overwhelmed by complicated strategies, social media hype, and the idea that real estate investing has to be exciting or impressive to work. Wayne and Gabby explain why boring properties can create extraordinary results, why cash flow matters, how leverage allows investors to control larger assets with less of their own money, and why long-term patience is where most of the wealth is created. If you are wondering whether real estate investing is still possible for average Canadians, this episode will show you why the answer is yes, as long as you focus on the fundamentals and stop chasing flashy deals that do not make sense. What You'll Learn in This Episode How average people quietly build massive real estate wealth Why you do not need to be rich or flashy to become a successful investor Why starting early gives investors a major advantage Why it is still not too late if you are starting in your 40s or 50s Why cash flow is one of the most important foundations of real estate investing Why boring rental properties can produce incredible long-term results How leverage allows investors to buy property using bank financing Why tenants can help pay down your mortgage and build your equity The three main ways rental properties create wealth Why real estate investing works best when you hold for the long term Why investors should focus on numbers instead of emotion Why repeating a simple process can outperform chasing flashy strategies Why Wayne believes slow and steady is the safest path for most investors How free education and coaching can help new investors take their first step About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, and other creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Real estate investing builds wealth, but rental property cash flow usually takes time. In this episode, Wayne and Gabby talk about how smart investors can make money outside of their rental properties while still building long-term wealth through real estate. Wayne explains why relying only on rental property cash flow in the early years can create unrealistic expectations. Rental properties are powerful wealth-building tools, but it can take years for cash flow, appreciation, mortgage paydown, and refinancing to create true financial freedom. That does not mean investors need to stay stuck in jobs they hate forever. This episode breaks down different ways real estate investors can create active income within the real estate industry, including becoming a Realtor, mortgage broker, photographer, stager, contractor, wholesaler, fix and flipper, or building a service-based business that supports other investors. Wayne also shares a real example from his own portfolio, where a joint venture property purchased for approximately $179,000 appraised at $240,000 three years later, creating an opportunity to refinance, return the partner's original capital, and roll the equity into another property. If you are building a rental portfolio but want more income, more flexibility, or a faster way to reduce reliance on your job, this episode will help you think about active income strategies that can support your real estate investing journey. What You'll Learn in This Episode Why rental property cash flow usually takes time to become meaningful Why investors should not rely only on early-stage rental income How active income can support your real estate investing journey Why real estate investing is a long-term wealth-building strategy How Wayne and Gabby think about combining active income with rental properties Why becoming a Realtor can complement your investing business How mortgage brokering, photography, staging, and contracting can fit into the real estate space Why wholesaling can create active income, but requires consistency and a real business system Why fix and flips can be profitable, but also carry significant risk How Wayne thinks about spotting real estate trends and future opportunities A real refinance example from Wayne and Gabby's own joint venture portfolio Why buying the right asset class matters when building long-term wealth Why active income can give investors more flexibility while their rental portfolio compounds About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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, wholesaling, seller financing, rent-to-own, and other creative real estate strategies. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

What features actually matter in a rental property? In this episode, Wayne and Gabby answer a listener question from an investor closing on a rental property who wanted to know whether it was worth adding a dishwasher and whether a bathtub or stand-up shower was better from a rental perspective. This conversation turns into a practical breakdown of the features tenants care about, which upgrades are worth spending money on, and which features may sound nice but do not necessarily improve your rental property business. Wayne and Gabby discuss how to think about tenant profile first, why families often need different features than single tenants, and why every upgrade should be considered through the lens of rentability, return on investment, risk, and long-term property management. They also cover why some features help you attract better tenants, why others create unnecessary maintenance, and why landlords should avoid spending money on upgrades that do not increase value, rent, or tenant retention. If you own rental properties, are preparing to buy one, or want to make smarter decisions before renovating a rental, this episode will help you understand what tenants actually look for and what investors should prioritize. What You'll Learn in This Episode Why tenant profile should guide your rental property decisions Whether a dishwasher is worth adding to an older townhouse Why a dishwasher can help, but may not always justify the cost Why portable dishwashers may not be ideal for rental properties Why a bathtub is usually better than a stand-up shower for family rentals Why families with young kids often need a tub Why a fenced yard is a must-have feature for many townhouse rentals Why sheds, fire pits, and hot tubs may create more problems than value Whether a second bathroom matters in a townhouse Why air conditioning is a bonus, but usually not a must-have Why TV mounts may be worth considering in some rentals When a finished basement or fourth bedroom can help attract tenants Why hot water on demand may be useful, but still requires maintenance considerations How to decide whether an upgrade improves value, rentability, cash flow, or risk About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

How many rental properties do you actually need? In this episode, Wayne and Gabby answer a listener question about how many rental properties it takes to create financial freedom, step away from a job, and start living off the cash flow from a real estate portfolio. Wayne explains why this question is more complicated than most investors realize. The answer depends on your income goals, your current resources, your timeline, your risk tolerance, your market, your financing ability, and whether you are in the wealth-building stage or the cash-flow stage of your investing journey. They also discuss why many investors get pulled into unrealistic expectations around financial freedom, why more doors does not always mean more success, and why building a strong real estate portfolio usually requires patience, planning, and realistic expectations. If you are trying to figure out how many rental properties you need, whether you should focus on cash flow or equity, and how to build a portfolio that actually supports your long-term goals, this episode will help you think more clearly about the path ahead. What You'll Learn in This Episode Why "how many rental properties do I need?" is not a simple question Why your answer depends on your personal goals and financial target Why financial freedom is often sold with unrealistic expectations Why more doors does not automatically mean more success Why some investors burn out before their portfolio has time to work The difference between an equity-building portfolio and a cash-flow portfolio Why patience is critical in long-term buy-and-hold real estate investing How refinancing can build wealth but may not immediately increase cash flow Why selling, refinancing, and cash flow all have different trade-offs Why rental properties often become more powerful over time Why investors should focus on return on investment and risk, not just door count Why the 5% Rule™ matters when evaluating rental property cash flow How a clear plan can help you avoid buying properties without purpose About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Should real estate investors join the condo board when they own rental properties in a condo complex? In this episode, Wayne and Gabby answer a listener question about whether landlords and real estate investors should join the condo board to have more influence over decisions that affect their investment properties. Wayne breaks down why his personal answer is usually no, especially if the motivation is fear around special assessments, condo fees, or future board decisions. He explains how condo corporations, reserve funds, reserve fund studies, financial statements, and special assessments typically work, and why proper due diligence before buying is usually more valuable than taking on an unpaid board role afterward. The conversation also expands into a bigger discussion about financial awareness, lifetime earning potential, real estate equity, and how investors can use long-term forecasting to understand the wealth-building power of rental properties. If you invest in townhouses, condos, or any property connected to a condo corporation, this episode will help you think more clearly about risk, responsibility, due diligence, and whether joining the board is actually worth your time. What You'll Learn in This Episode Why a listener asked whether investors should join condo boards Why Wayne usually does not join condo boards himself How condo board roles can create extra unpaid responsibility Why joining the board may not give you as much control as you think How special assessments usually happen Why reserve funds and reserve fund studies matter Why proper condo document review is so important before buying How bylaws are changed in a condo corporation Why investor confidence comes from education and due diligence How long-term portfolio forecasting can show the real power of rental properties Why job income alone may not create the financial future many people expect How small refinancing decisions can change your long-term wealth trajectory About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Buying your first home early can completely change the direction of your financial life. In this episode, Wayne and Gabby break down why buying your first home by age 25 can become one of the simplest ways to build wealth, create options, and set yourself up to become a millionaire by age 40. Wayne explains how home ownership starts the equity clock, why waiting too long can shrink your wealth-building window, and how homeowners can use appreciation, mortgage paydown, and refinancing to build a real estate portfolio over time. This episode also dives into the bigger picture of generational wealth. Wayne and Gabby discuss why the next generation may have a harder time buying real estate, why parents need to think differently about helping their kids get ahead, and why doing nothing can actually push families further behind financially. If you are young, raising kids, starting late, or trying to figure out how real estate can create long-term wealth, this episode will challenge the way you think about home ownership, equity, and your financial future. What You'll Learn in This Episode Why buying your first home early can change your financial trajectory Why Wayne believes 25 is a critical age for starting the equity clock How home ownership builds wealth through mortgage paydown and appreciation Why your job income alone may not be enough to build long-term financial security How inflation and rising housing costs make ownership more important over time Why renting versus owning can create a major wealth gap between families How refinancing equity can help you buy additional properties over time A simple example of going from one home to multiple rental properties Why generational wealth starts with the financial decisions you make today Why future generations may need real estate ownership more than ever About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Finding the right tenant can make or break your rental property business. In this episode, Wayne and Gabby break down how to find the perfect tenant for your rental property by starting with the right tenant profile, advertising in the right places, writing better rental listings, and building a screening process that protects you as a landlord. They explain why tenant selection is not just about finding someone with good credit or a steady job. It is about finding the right person for the right property, reducing vacancy, attracting long-term tenants, and building a rental business that is simple, profitable, and easier to manage. Wayne and Gabby also talk about why Facebook Marketplace has become one of the most important places to advertise rental properties, how to write ads that attract the right people, and why too much friction in the application process can scare away great tenants. If you own rental properties or you're preparing to buy your first one, this episode will help you understand how to attract, screen, and choose better tenants with more confidence. What You'll Learn in This Episode Why finding the perfect tenant starts before you ever post the rental ad How to reverse engineer your rental property around your ideal tenant profile Why Facebook Marketplace is one of the most important places to advertise rentals How to write a simple rental listing that gets the right tenant's attention Why your ad should focus on the features tenants actually care about Why too much friction in the application process can reduce good applicants How to use Facebook profiles, Google, and online information for pre-screening Why employment, income, affordability, and credit history matter How to think about credit scores from a landlord's risk-management perspective Why systems make tenant placement easier to manage and easier to delegate About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Remote Property Management Course: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

Buying your first rental property can feel overwhelming, especially when you're using your savings, home equity, or hard-earned capital to get started. In this episode, Wayne and Gabby break down the simple, practical steps new investors need to understand before buying their first rental property. They explain why real estate investing does not need to be complicated, why most new investors should avoid overcomplicating the process, and how to focus on the fundamentals that actually protect your money. Wayne and Gabby also cover the importance of understanding your tenant profile, choosing a property that appeals to the right tenants, buying in a market with growth potential, making sure the property cash flows, getting financing clarity, working with an investor-focused Realtor, and completing proper due diligence before removing conditions. If you're thinking about buying your first rental property in Canada, this episode will help you simplify the process and build confidence before taking action. What You'll Learn in This Episode Why buying your first rental property feels scary for so many new investors Why simple "vanilla" real estate investing is often the safest place to start How to choose a property based on tenant demand instead of personal preference Why cash flow protects you from interest rates, vacancies, repairs, and market shifts Why you should speak with a mortgage broker before seriously looking at properties How an investor-focused Realtor can help you find deals faster Why home inspections, condo document reviews, and financing conditions matter How due diligence can help you renegotiate or walk away from the wrong deal Why your power team should help carry the process instead of you doing everything yourself About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing 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. The Canadian Real Estate Investing Morning Show is a daily podcast focused on helping Canadian investors build cash flow, scale their portfolios, and invest with confidence. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question or connect with us: [email protected] Thanks to Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax – For Investors, By Investors www.finngo.com/rei Kirkwood & Brennan Mortgage Group [email protected]

What Tenants Look For in a Rental Property | 5 Must-Have Features for Real Estate Investors Canadian Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier If you've ever wondered why some rental properties attract great long-term tenants while others struggle with turnover, this episode breaks it down. Today, Wayne & Gabby dive into a powerful listener question: what actually makes a rental property desirable to tenants? This isn't about guessing. It's about understanding tenant psychology, building better rental products, and making smarter investment decisions that lead to stronger cash flow and long-term stability. From privacy and yard space to layout, location, and parking, this episode gives you a practical framework you can use immediately when analyzing your next deal. 🧠 What You'll Learn in This Episode Why tenant profile should drive every real estate purchase decision The number one feature most tenants want and why it matters How privacy impacts rentability and long-term tenant retention Why yard space is a major advantage for attracting families The importance of functionality, layout, and usable space How location and proximity to amenities affect desirability Why parking is becoming a major issue for tenants in Canada A simple 30-second rentability test you can use before buying any property 👥 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: [email protected] 🤝 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] 🏫 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

Wayne and Gabby break down how they've added over $6M to their real estate portfolio in the last two years using joint ventures. They walk through a real deal they're currently closing, sharing lessons on negotiation, timing, and how investor behavior impacts outcomes. They also unpack a recent report on Edmonton real estate returns and explain what investors should actually take away from it. 🧠 What You'll Learn in This Episode How to scale your portfolio using joint ventures Why negotiation style matters more than price How possession timing impacts vacancy and cash flow What Edmonton vs Calgary returns really look like Why saving your way into real estate slows you down How to think bigger when building your portfolio 👥 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. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: [email protected] 🤝 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 🌐 www.kbmortgages.ca 📧 [email protected]

Real Estate Investing Is Hard — Don't Quit Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Real estate investing isn't easy… and it's not supposed to be. In today's episode, Wayne and Gabby get real about the emotional and mental challenges of building a real estate business. From overwhelming days and difficult tenants to the pressure of juggling work, family, and investing — this episode is a reminder that if it feels hard, you're doing it right. The key message: don't quit… reconnect with your why. 🧠 What You'll Learn in This Episode Why real estate investing often feels overwhelming (especially in the early stages) How mental overload can derail even experienced investors The reality of dealing with tenants, stress, and unexpected problems Why most people underestimate the emotional side of investing The importance of staying focused on your original "why" How small frustrations can push investors to quit (if you let them) Why freedom isn't just time — it's control over your life and decisions The difference between pushing forward vs. burning out 👥 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: 📧 [email protected] 🤝 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] 🏫 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 👉 Learn more and register at: www.reimasters.ca

🎧 Should You Wait for Rates to Drop Before Investing? (The Truth Investors Miss) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode tackles one of the biggest questions investors are asking right now: Should you wait for interest rates to come down before buying your next property? With special guest Keaton Kirkwood, we break down what's actually happening in the market, how interest rates really impact your returns, and why waiting might cost you more than you think. This isn't theory… this is real-world investing strategy. 🧠 What You'll Learn in This Episode Why newer investors tend to "wait" while experienced investors lean in How higher rates can actually create better buying opportunities The real relationship between interest rates and property values Why "the rate is temporary, but the price is forever" A breakdown showing how waiting for a 1% rate drop can cost you money What happens to competition, inventory, and negotiation power when rates fall The danger of emotional, FOMO-driven investing decisions How to think long-term instead of trying to time the market 📅 Upcoming Events 🚌 REI Masters Edmonton Real Estate Investing Bus Tour – May 16 Join Wayne & Gabby Hillier for a full-day, hands-on experience touring real investment properties across Edmonton. You'll see: Properties that actually cash flow Real BRRRR projects in action The exact types of deals discussed on this podcast This isn't theory — this is real estate investing in the field. ⚠️ Over 70% sold — limited to one bus 👉 Register here: www.reimasters.ca/edmontonbustour 🎤 Wayne Hillier Speaking at EREIA – May 13 Fireside Chat: REI Strategies To Pay Attention To In 2026 Wayne will break down: What's working right now in Edmonton Where the biggest opportunities are What investors should be paying attention to next 👉 Get tickets: https://www.meetup.com/revenue/events/314169150/?utm_medium=referral&utm_campaign=share-btn_savedevents_share_modal&utm_source=link&utm_version=v2 👥 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: [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 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 📘 Get the 5% Rule™ Book on Amazon The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM

🎧 The Tenants That Nearly Made Us Quit (And What It Taught Us About Scaling) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode is a raw, real story from early in Wayne and Gabby's investing journey — the kind of tenant experience that pushes investors to their breaking point. From red flags missed… to manipulation, late rent, and system failures… this is the story of the tenants that almost made them quit real estate altogether — and the lessons that completely changed how they run their business today. 🧠 What You'll Learn in This Episode The early warning signs of a "professional tenant" most investors miss Why "nice people" can still be your worst tenants How poor systems (and too much trust) can cost you thousands The danger of managing everything yourself vs building a team Why emotional decision-making is one of the biggest risks in real estate How tenant situations escalate when boundaries aren't enforced What Wayne and Gabby would do differently today The key mindset shift from operator to CEO that protects your business 📅 Upcoming Events 🚌 REI Masters Edmonton Real Estate Investing Bus Tour – May 16 Join Wayne & Gabby Hillier for a full-day, hands-on experience touring real investment properties across Edmonton. You'll see: Properties that actually cash flow Real BRRRR projects in action The exact types of deals discussed on this podcast This isn't theory — this is real estate investing in the field. ⚠️ Over 70% sold — limited to one bus 👉 Register here: www.reimasters.ca/edmontonbustour 🎤 Wayne Hillier Speaking at EREIA – May 13 Fireside Chat: REI Strategies To Pay Attention To In 2026 Wayne will break down: What's working right now in Edmonton Where the biggest opportunities are What investors should be paying attention to next 👉 Get tickets: https://www.meetup.com/revenue/events/314169150/?utm_medium=referral&utm_campaign=share-btn_savedevents_share_modal&utm_source=link&utm_version=v2 👥 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: [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 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

*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]" dir="auto" data-turn-id= "request-WEB:0658b70c-8aff-4846-a4db-73036dad27b9-6" data-testid= "conversation-turn-2" data-scroll-anchor="false" data-turn= "assistant"> 🎧 Payment Plans for Tenants: Should You Offer Them? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier In today's episode, Wayne and Gabby dive into a topic that can split landlords right down the middle: Should you offer payment plans to tenants who fall behind on rent? There's no one-size-fits-all answer here. Instead, they break down how to think through these situations like a professional investor, balancing business discipline with human judgment. 🧠 What You'll Learn in This Episode Why there's no "yes or no" answer when it comes to tenant payment plans The importance of understanding the tenant's situation before reacting The biggest risks landlords face when offering payment plans How tenants can unintentionally (or intentionally) fall into a cycle of missed payments Why clear communication BEFORE rent is due matters more than anything How to structure a proper payment plan with documentation and timelines Real-life example of a landlord who lost thousands due to poor systems The difference between being a good human vs. running a disciplined business 📅 Upcoming Events 🚌 REI Masters Edmonton Real Estate Investing Bus Tour – May 16 Join Wayne & Gabby Hillier for a full-day, hands-on experience touring real investment properties across Edmonton. You'll see: Properties that actually cash flow Real BRRRR projects in action The exact types of deals discussed on this podcast This isn't theory. This is real estate investing in the field. ⚠️ Over 70% sold — limited to one bus 👉 Register here: www.reimasters.ca/edmontonbustour 🎤 Wayne Hillier Speaking at EREIA – May 13 Fireside Chat: REI Strategies To Pay Attention To In 2026 Wayne will break down: What's working right now in Edmonton Where the biggest opportunities are What investors should be paying attention to next 👉 Get tickets: https://www.meetup.com/revenue/events/314169150/?utm_medium=referral&utm_campaign=share-btn_savedevents_share_modal&utm_source=link&utm_version=v2 👥 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: [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 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

🎧 Sylvan Lake Secondary Suite Grant Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Can you really build a basement suite with little to no money? In today's episode, Wayne and Gabby break down a powerful opportunity in Alberta that most investors have no idea exists. They continue the conversation from yesterday and dive deep into the Sylvan Lake secondary suite loan and grant programs, explaining how you can access funding, reduce your out-of-pocket costs, and potentially build a rental suite with minimal capital. They also share real-world lessons from their own renovation project, including unexpected costs, delays, and why "simple deals" rarely go according to plan. If you're looking for creative ways to finance your next rental property, this is an episode you don't want to miss. 🧠 What You'll Learn in This Episode How Sylvan Lake's funding programs can help you build a secondary suite The details behind the interest-free loan program (up to $30,000) How loan forgiveness works and how to qualify for it The timeline and deadlines to take advantage of this opportunity Why small towns are creating big opportunities for investors Real renovation challenges and why budgets often go sideways How to think about refinancing and pulling equity after completion Why taking action quickly matters with limited funding programs 📅 Upcoming Events 🚌 REI Masters Edmonton Real Estate Investing Bus Tour – May 16 Join Wayne & Gabby Hillier for a full-day, hands-on experience touring real investment properties across Edmonton. You'll see: Properties that actually cash flow Real BRRRR projects in action The exact types of deals discussed on this podcast This isn't theory. This is real estate investing in the field. ⚠️ Over 70% sold. Limited seats remaining. 👉 Register here: www.reimasters.ca/edmontonbustour 🎤 Wayne Hillier Speaking at EREIA – May 13 Fireside Chat: REI Strategies To Pay Attention To In 2026 Wayne will break down: What's working right now in Edmonton Where the biggest opportunities are What investors should be paying attention to next 👉 Get tickets: https://www.meetup.com/revenue/events/314169150/?utm_medium=referral&utm_campaign=share-btn_savedevents_share_modal&utm_source=link&utm_version=v2 👥 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: [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 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 📚 Get the Book Get the 5% Rule™ book on Amazon: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 👉 https://a.co/d/jdZaBXM