Real Estate Investing Morning Show ( REI Investment in Canada )

🎧 Edmonton Real Estate Market Update + Should You Start a Career in Real Estate? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode dives into the latest Edmonton real estate market update for March 2026 and a topic we've never discussed before on the show — how to start a career in real estate. Investor-focused Realtor Calvin Hexter joins the show to break down what's actually happening in the Edmonton market right now, including inventory levels, pricing trends, and where things may be heading into the spring and summer market. We also explore the realities of becoming a Realtor — from the entrepreneurial mindset required to succeed to the common mistakes new agents make when entering the industry. If you've ever wondered whether getting your real estate license is worth it, or you're trying to understand where the Edmonton market is headed this year, this episode is packed with insights. 🧠 What You'll Learn in This Episode • The latest Edmonton real estate market statistics and what they mean for investors • Why inventory dropped from 4.3 months to 3.4 months, pushing the market toward seller territory • How seasonality affects Edmonton real estate activity every spring • Why some properties are receiving multiple offers immediately while others sit on the market • The surprising asset class seeing the largest price increases right now • What buyers should do to stay competitive as the spring market heats up • What sellers must do to stand out in a market with growing inventory • The biggest mindset shift required if you want to build a career in real estate 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program www.reimasters.ca Bookkeeping & tax help www.finngo.com/rei Submit a question info@reimorningshow.com 📘 The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 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

🎧 How to Find Great Real Estate Deals in Canada Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode breaks down the reality behind finding great real estate deals. Wayne shares the "secret sauce" most investors are looking for—but instead of hype or shortcuts, it's a clear framework for identifying real opportunities in the market. From defining what a great deal actually means for your goals, to analyzing markets across Canada, Wayne walks through the step-by-step thinking process investors should use when searching for properties that truly make sense. If you've ever wondered how experienced investors narrow down markets, asset types, and neighborhoods to uncover profitable opportunities, this episode lays it out in simple terms. 🧠 What You'll Learn in This Episode Why a "great real estate deal" is different for every investor The importance of starting with your end goal in mind How investors can analyze cities and neighborhoods to identify opportunities The concept of "unique opportunities" in real estate markets Why following trends or copying other investors rarely works long term How to reverse-engineer deals using rents, expenses, and financing The simple framework for narrowing down the best markets in Canada Practical ways to actually find deals once you know what you're looking for 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 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 📧 keaton@kbmortgages.ca 🔗 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

🎧 Lending Complexities with Creative Real Estate Strategies Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode dives into one of the biggest deal killers in real estate investing: financing. Wayne and Gabby are joined by investor-focused mortgage broker Keaton Kirkwood to break down the financing realities behind creative strategies like BRRRRs, vendor take-backs, rent-to-own deals, and agreements for sale. While creative strategies can unlock opportunities, they can also create financing complications that investors don't always anticipate. If you've ever wondered why a deal that looks great on paper suddenly falls apart with the lender, this episode will help you understand why. 🧠 What You'll Learn in This Episode Why financing is often the #1 reason great real estate deals fail The biggest lending challenges with advanced investing strategies Why refinancing BRRRR projects within 12 months has become much harder How vendor take-back mortgages actually work in today's lending environment The financing realities behind rent-to-own and lease option deals Why agreements for sale are becoming increasingly difficult to exit The importance of working with an investor-focused mortgage broker 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 📘 Get Wayne's Bestselling Book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 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

🎧 Why Most Real Estate Investors Stay Stuck (And Don't Even Realize It) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode wasn't planned. But it might be one of the most important conversations we've had in a long time. Wayne dives deep into mindset, misconceptions, ego, debt, belief systems, and why some investors move forward while others stay stuck for years — even when they "know what to do." We also talk about celebrating wins, comparison culture in real estate, and why success eventually becomes… mundane. This one gets real. 🧠 What You'll Learn in This Episode Why Wayne doesn't "celebrate" deals the way most people expect The hidden danger of ego and comparison in real estate investing How stubborn belief systems quietly sabotage investors Why debt misconceptions hold people back from scaling The difference between revenue and real returns Why some people are coachable — and some simply aren't The power of adaptability and paradigm shifts Why decisions — not circumstances — shape your future 📈 Market Updates & Wins All rents were paid this month Accepted offer secured after 3 weeks of negotiation Discussion around scaling, JV partnerships, and deal flow Calgary announces incentives up to $35,000 for backyard suites Wayne also shares why constant posting about acquisitions isn't necessary — and why real wealth doesn't need to be loud. 📘 Big Announcement The paperback version of: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors Is now officially LIVE on Amazon. This revised and expanded edition includes: Clear explanation of the 5% Rule™ formula Expanded real-world examples Investor spotlight case studies A practical framework to build a storm-ready portfolio If you've read it and found value, please leave a review on Amazon. It helps more Canadian investors find reliable education in a noisy industry. 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com Buy the Book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 🤝 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 📧 keaton@kbmortgages.ca 🔗 Facebook

🎧 2% Rule vs 5% Rule – Which One Actually Protects You? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode came straight from a listener question that opened up a powerful discussion. We started by breaking down mortgage strategy — including whether it makes sense to break a 6% mortgage to lock in 3.99%, how to evaluate early termination penalties, and how to think about equity vs. lines of credit when planning your next rental purchase. But the real conversation centered around something bigger: The 2% rule vs. the 5% Rule™. Are they similar? Is one just a "bigger safety net" than the other? Or are they completely different frameworks? Let's break it down. 🧠 What You'll Learn in This Episode When breaking your mortgage actually makes financial sense Why early termination penalties matter more than people think The difference between using equity and a personal line of credit What the 1% and 2% rules really measure Why rent-to-price ratios can be dangerously misleading What the 5% Rule™ actually calculates How to build a rental portfolio that can withstand market shocks 📊 The 2% Rule (What It Really Is) The 2% rule is a rent-to-purchase-price ratio. If you buy a $200,000 property, it "should" rent for $4,000 per month. Simple. Clean. Easy to explain. But here's the problem: It ignores: Interest rates Mortgage structure Taxes Insurance Vacancy Capital expenditures Utilities Financing strategy It only looks at gross rent compared to purchase price. That's not full analysis. That's surface-level screening. 🚢 The 5% Rule™ – A Cash Flow Test For Canadian Real Estate Investors The 5% Rule™ is completely different. It is not based on rent-to-price ratios. It does not measure profitability. It measures risk tolerance. Because real estate isn't about perfect markets. It's about surviving imperfect ones: Interest rate hikes Economic downturns Policy changes Vacancy spikes Supply surges The 5% Rule™ helps you determine if your property produces enough cash flow to absorb shocks. It's about building resilience into your portfolio. 🏗️ Why This Framework Works Across Asset Types The 5% Rule™ works for: Condos Single-family homes Suited houses Duplexes Small multifamily Large multifamily It doesn't matter if utilities are included or excluded. It doesn't matter the market. It doesn't matter the purchase price. It standardizes how you evaluate sufficient cash flow across all asset types. 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 📘 The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 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...

🎧 Brooks, Alberta Is Booming? The Biggest Housing Surge in 20 Years Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode started with Friday shenanigans… but quickly turned into a serious conversation about a surprising Alberta market making headlines. Brooks, Alberta is reportedly experiencing its biggest housing boom in 20 years. A town of just 17,000 people is suddenly seeing new development, rising rents, population growth, and builder incentives. So what's really going on? And more importantly — should investors be paying attention? 🧠 What You'll Learn in This Episode Why Brooks, Alberta is seeing a surge in housing starts How municipal tax incentives are attracting developers What rising rents in small markets really mean The risks of chasing headlines in small towns Canada's recent housing price decline compared to other major economies Why young couples are choosing down payments over weddings How to properly handle tenant move-outs and rent ledgers in Alberta The truth about RRSP lending and joint ventures 🏗 Brooks, Alberta: The Comeback Story Brooks is reporting: 15.5% population growth over five years 3.4% year-over-year population growth in 2025 Rents up roughly 33% over two years Over 50 housing starts in 2025 after years of minimal development The city introduced: Four-year phased tax exemptions on new builds Zero-fee permits Discounted city lots Developers from larger cities have taken notice. But here's the key point we discussed: Small markets require extreme due diligence. Just because rents are rising doesn't mean the fundamentals are strong. Just because housing starts are increasing doesn't mean long-term stability is guaranteed. Investor takeaway: Before investing in smaller markets like Brooks, ask: What is driving population growth? Is it diversified or employer-dependent? What is long-term economic stability? Who are the major employers? Is demand sustainable or temporary? Headlines don't replace fundamentals. 📉 Canada's Housing Price Decline We also discussed new data showing Canada experienced one of the largest housing price declines among advanced economies: Roughly 5% inflation-adjusted decline year-over-year Nearly 19% down from peak 2022 levels But context matters. Prices are still significantly higher than pre-2020 levels. This is normalization — not collapse. Long-term investors understand cycles. 💍 Doorbells Over Wedding Bells Another article we covered showed that many young couples are choosing to buy a home before spending $30,000+ on a wedding. In Edmonton: Average wedding cost: ~$29,000 Minimum down payment on average home: ~$20,400 The conversation wasn't anti-wedding. It was about priorities. Real estate investing is a long-term compounding game. Starting earlier matters more than starting bigger. If you delay investing 5–10 years, the long-term impact can be massive. 📋 Alberta Landlord Systems We also answered live questions about: Proper tenant move-out procedures Cleaning responsibilities at end of tenancy What a rent ledger is and why it matters What documents must be included in a statement of account How RRSP lending actually works Professional landlording isn't complicated — but it must be structured. 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐...

🎧 The Ripple Effect of Alberta's Development Boom Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode is a deep dive into something almost no one is talking about. Alberta has experienced a massive development surge in Edmonton and Calgary. Fueled by zoning changes, CMHC MLI Select financing, and the Housing Accelerator Fund, thousands of new rental units have been built in a very short period of time. But every action creates a reaction. What is the ripple effect? And where is the real opportunity hiding? 🧠 What You'll Learn in This Episode Why Alberta's rental development exploded faster than expected How CMHC financing and blanket rezoning changed investor behavior Why vacancy rates are likely to increase over the next few years The hidden risk facing over-leveraged developers Why you likely won't see "fire sale" 8-plexes hit the market How tearing down single-family homes reduced retail housing supply Why entry-level residential real estate may benefit the most How neighborhood desirability could shift in the years ahead Wayne explains why the boom was almost entirely rental-driven, not retail housing-driven. Thousands of single-family homes were demolished and replaced with dense rental properties. While that increased rental supply, it quietly reduced the number of entry-level homes available for purchase. Less supply in the residential market means increased competition for what remains. And there's another layer. As mature neighborhoods become saturated with infill rental density, buyer preferences may shift toward streets and communities that remain untouched. That shift in demand could drive appreciation in very specific pockets of the city. This episode is about understanding patterns before they fully play out. The boom was the action. Now comes the ripple effect. 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 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 📧 keaton@kbmortgages.ca 🔗 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

🎧 Why Developers Love Edmonton & Calgary (And What Most Investors Are Getting Wrong) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode started with some fun… Miami burritos, onion peeling stations, and some real talk about rental property realities. But underneath the laughs was a serious investor lesson. We broke down why developers are flocking to Edmonton and Calgary, what record housing starts actually mean for investors, and the hard truth about tenant expectations in brand-new builds. If you're building, buying rentals, or thinking about developing — this one matters. 🧠 What You'll Learn in This Episode Why Alberta led Canada in housing starts per capita What makes Edmonton and Calgary developer-friendly markets How cheap, easy, and fast approvals attract builders Why demand matters more than "new and shiny" The reality of tenant wear and tear (and why expectations need adjusting) Why overbuilding rental supply could pressure rents The mistake investors make chasing "high-end tenants" When premium renovations make sense — and when they don't 🏗 Why Developers Love Edmonton & Calgary Edmonton ranked #1 and Calgary #5 in Canada for ease and affordability of building. Here's why: No provincial sales tax Lower development fees Faster permit approvals AI-assisted municipal processes Land availability Strong population growth Add in federal incentives like GST removal on purpose-built rentals and CMHC MLI Select — and you've got a development-friendly environment. But here's the key: Developers build where demand exists. And right now? That demand has been rental housing. 📉 The Rental Supply Shift Alberta experienced: Massive population growth Ultra-low vacancy rates Surging rents Developers responded. Now we may be overshooting. More supply means: Higher vacancy rates Potential rent stabilization (or softening) Increased competition That doesn't mean opportunity is gone. It means strategy matters more than ever. 🏠 The Hard Truth About Brand-New Rentals Wayne shared a powerful reality check today: Brand-new, high-end rentals do not guarantee high-end tenants. In fact: Many tenants live differently than investors expect Wear and tear happens fast "Unicorn tenants" are rare Over-renovating can destroy profitability This isn't about judgment. It's about realistic expectations. Smart investors: Buy rent-ready, not luxury-finished Focus on durable materials Control renovation costs Protect cash flow High-end finishes often only make sense when preparing to sell — not for long-term rentals. 🎯 The Bigger Lesson Cheap. Easy. Fast. That's why developers love Alberta. But investors must ask: Is there still demand when my project finishes 12–18 months from now? Speculation without demand is gambling. Building with demand is investing. 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 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 📧 keaton@kbmortgages.ca 🔗 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...

🎧 Capital Cost Allowance in Canada: How to Depreciate Your Rental Properties Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode focused on Capital Cost Allowance (CCA) and how Canadian real estate investors can use depreciation strategically to reduce taxable rental income. We were joined by Steve Tsonev from Finngo Bookkeeping & Tax, who broke down how CCA works in Canada, why it's a deferral strategy (not a loophole), and what investors need to understand about recapture when they sell. This conversation is especially important for investors who are scaling and starting to feel the weight of taxable rental income. We also discussed a recent Edmonton real estate article and what it signals for local investors. The episode connected tax planning, local market awareness, and long-term portfolio strategy. 🧠 What You'll Learn in This Episode What Capital Cost Allowance (CCA) is and how it works in Canada How depreciation reduces taxable rental income Why CCA is a tax deferral strategy, not permanent tax savings What recapture means when you sell When it makes sense to claim CCA — and when it doesn't Insights from Steve Tsonev on aligning tax strategy with investing goals Key takeaways from the Edmonton real estate article discussed Why serious portfolio builders think beyond one tax year 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 📘 The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 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

🎧 Garage Suites, Tenant Payment Plans & This or That Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode was completely open agenda. No preset topic. Just live questions from listeners and real conversations about what's actually happening in your portfolios. We covered garage suite numbers, payment plans with struggling tenants, damage deposit policies, taxes vs evictions, and wrapped it up with a fun round of "This or That." 🧠 What You'll Learn in This Episode Why garage suites on existing properties are often difficult to make cash flow The hidden costs investors underestimate when building backyard suites Why your default answer to payment plans should usually be no How to think about risk exposure when tenants fall behind Why possession is everything before handing over keys The non-negotiables before giving a tenant access to your property The mindset difference between taxes and evictions How experience shapes better screening decisions 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 📘 The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🔗 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

🎧 How Joint Venture Splits Actually Work (Part 2) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Joint ventures are one of the most powerful tools for scaling your real estate portfolio, yet they are also one of the most misunderstood. In today's episode, Wayne and Gabby go deeper than ever into how joint venture splits actually work. This is Part 2 of the discussion, and it covers the real-world mechanics behind 50/50 splits, contract structure, renegotiation myths, refinance strategies, and tax considerations in Canada. If you want to scale beyond what your own income and borrowing power allow, this episode is essential listening. 🧠 What You'll Learn in This Episode Why the standard 50/50 joint venture split exists and what it truly represents The difference between a money partner and a managing partner How to confidently explain your value as the expert partner When and why a split might change from 50/50 to 60/40 or 70/30 Why leaving more meat on the bone early can accelerate long-term scaling What should be included in a strong joint venture contract How additional capital contributions should be handled Why Canada does not have a 1031 exchange and what to do instead How refinancing can help redeploy capital without triggering immediate tax 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 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 📧 keaton@kbmortgages.ca 🔗 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 If you want to scale your portfolio faster, joint ventures are not optional. They are leverage. And leverage done properly changes everything.

🎧 How Joint Venture Splits Actually Work (And Why Most Investors Get It Wrong) – Part 1 Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode was sparked by a listener email from a newer investor navigating their first real joint venture conversation… and realizing they couldn't confidently explain how the profit splits actually work. If you've ever hesitated when someone asked, "Wait… how does this really work?" — this episode is for you. Wayne breaks down: How joint venture profit splits actually work What happens at sale What happens during refinances How cash flow is typically handled The biggest misconception new investors (and their spouses) have Why understanding this deeply changes your confidence in JV conversations And yes… this is Part 1. We're continuing tomorrow. 🧠 What You'll Learn in This Episode The 3 profit centers in a joint venture: cash flow, refinance proceeds, and sale proceeds Why the capital partner does NOT split their original investment 50/50 How equity is treated when a property is sold Two different ways to handle refinance proceeds Why Wayne prefers returning capital before taking profits The difference between greed vs long-term wealth building How to explain risk properly to potential JV partners Why cash flow is your storm protection strategy 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 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 📧 keaton@kbmortgages.ca 🔗 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 Tomorrow: Part 2 — deeper dive into JV objections, risk conversations, and how to sell the opportunity properly. If you're currently having JV conversations, this might be the most important two-part series we've done in a while.

🎧 Three Things I Wish I Knew When I Started in Real Estate Investing (Gabby's Version) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Back from a weekend full of soccer, snow, Family Day, and Costa Rica countdowns, today's episode took a powerful turn. Wayne shared his three lessons last week. Today was Gabby's turn. And if you're a newer investor, this one might hit harder than you expect. This wasn't about multifamily vs. single family. This wasn't about cap rates or BRRRRs. This was about mindset. Identity. Growth. And comparison. 🧠 What You'll Learn in This Episode Why tenant problems are not your personal responsibility How to separate empathy from business decisions Why growth requires a different version of you How discomfort builds confidence Why comparison silently kills momentum How social media is being used backwards by most investors Why staying in your own lane is the fastest way to reach your goals 1️⃣ This Is a Business — Their Problems Are Not Yours One of Gabby's biggest early lessons: "This is a business, and all the problems my tenants face are theirs, not mine." That doesn't mean you stop being empathetic. But it does mean: Their car breaking down is not your emergency. Their employer paying them late is not your financial burden. Their personal crisis does not override your systems. Early on, it's emotionally exhausting. You feel responsible. You question yourself. But here's the shift: You can care without carrying. If bending the rules benefits your business, do it strategically. If it doesn't? Stick to your systems. That's not cold. That's disciplined. 2️⃣ Growth Requires a Different Version of You This business will change you. If you want your portfolio to grow, you must grow. There is no way around it. Gabby shared something powerful: You must become comfortable being uncomfortable. Wayne reframed it: It's not about tolerating discomfort. It's about building confidence. Every uncomfortable decision: Builds proof Builds experience Builds healthy ego Builds certainty that you can handle hard things And once you've handled something a few times? It no longer rattles you. That anxiety you felt in year one? It barely registers in year five. Not because you're hardened. Because you're stronger. 3️⃣ Comparison Is the Killer of Success This was the mic-drop moment. "Comparison is the killer of success." In today's world, this is harder than ever. Social media: Shows highlight reels Shows "100 doors in 12 months" Shows "3 properties in 3 weeks" Shows everyone "winning" But here's what happens when you compare: Your confidence erodes Your motivation drops Your happiness declines You forget your own goals You start driving someone else's route. And that's when you hit the ditch. Stay in your lane. If your goal is 3 rental properties, own that. If your goal is 30, own that too. "Only" and "small" are comparative words. If you stopped comparing, your goals would feel sufficient. 🚫 Social Media Is Being Used Backwards Most people use social media to compare. But it's actually a marketing tool. You're not supposed to log on to measure yourself against others. You're supposed to: Share your confidence Share your journey Market your belief in yourself Instead, most people: Scroll Compare Doubt Shrink It's backwards. Use it to build your brand, not destroy your confidence. 🎯 The Real Mentorship Lesson The tactical stuff? Deal analysis Financing structures BRRRRs Market data That's easy. The hard part? Helping someone rediscover the confidence they lost years ago. The belief. The "I can do this." Because that's what determines who endures. And endurance is rare. 👥 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...

🎧 I Was Doing It All Wrong When I Started in Real Estate Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier When I first got started in real estate investing, I thought I was doing everything right. I worked overtime. I saved aggressively. I said yes to every extra shift. I tried to do it all myself. And for a while… it worked. But I was moving slowly. I was stressed. And I was building the wrong way. In today's episode, I break down exactly what I did when I started, where I went wrong, and the mindset shift that completely changed the trajectory of our portfolio. 🧠 What You'll Learn in This Episode What I focused on when we bought our first rental Why saving alone is not a scalable strategy The mistake I made trying to do everything myself When I realized joint ventures were inevitable How seller financing changed everything Why people didn't trust us at first The real key to building trust and credibility The mindset shift that eliminated fear of judgment 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 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 📧 keaton@kbmortgages.ca 🔗 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

🎧 3 Things I Wish I Knew When I Started Investing in Real Estate Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode was raw, real, and powerful. No leftover questions. No email backlog. Just an honest breakdown of the three biggest lessons Wayne wishes he had understood when he first started investing. If you're early in your journey — or even a few properties in — this one will hit. 🧠 What You'll Learn in This Episode Why letting emotions drive your investing decisions is dangerous The hidden risk of buying in your hometown "because it feels safer" Why what worked yesterday won't work tomorrow in real estate The uncomfortable truth about trusting advice in this industry Why motion beats perfection every single time A deep breakdown of house hacking and whether it's truly worth it Why joint ventures are inevitable if you want to scale How caring about what others think may be your biggest obstacle 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: 👉 www.reimasters.ca Bookkeeping & tax help: 👉 www.finngo.com/rei Submit a question for the show: 📧 info@reimorningshow.com 📘 Get Wayne's Book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 👉 https://a.co/d/jdZaBXM 🏫 Edmonton Real Estate Investing Course Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: 🔹 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 🤝 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 📧 keaton@kbmortgages.ca 🔗 Facebook This episode was less about tactics and more about mindset. If you're circling the runway instead of landing the plane… it might be time to stop worrying about what people think and start moving. Because motion beats perfection. And joint ventures aren't optional if you want to scale. See you tomorrow morning at 6am MT.

🎧 Why I Walked Away From a "Great Deal" Strata Townhouse Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode is a real behind-the-scenes look at how an experienced investor evaluates risk, uncovers hidden problems, and knows when to walk away. Wayne breaks down a real strata townhouse deal in Edmonton that looked great on the surface but fell apart during due diligence. This is a masterclass in how not to get burned by condo documents, special assessments, and misunderstood risks. 🧠 What You'll Learn in This Episode Why "cheap" strata townhouses often come with hidden problems How special assessments really work (and how they can quietly kill a deal) The danger of interest-only condo loans and poorly managed reserve funds Why fixed-term leases with under-market rent can drastically change returns How to properly evaluate condo documents, bylaws, and meeting minutes The difference between investor risk and JV partner risk Why walking away is sometimes the smartest investing move 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes air every weekday morning featuring real deals, coaching moments, and tactical investing advice you can actually use. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help for investors: www.finngo.com/rei Submit a question for the show: info@reimorningshow.com 📘 Get the Book The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 👉 https://a.co/d/jdZaBXM 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🏫 Edmonton Real Estate Investing Course Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: Why Edmonton is one of Canada's strongest cash flow markets The economic drivers shaping Edmonton's growth How to analyze neighborhoods for cash flow and upside The five main asset types and how they perform Tenant selection strategies that protect your returns How to buy rental properties that actually make money 👉 Learn more and register at: www.reimasters.ca

🎧 How to Assess a Condo Townhouse | Strata Due Diligence for Investors Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode was a full masterclass on how to properly assess a condo or strata townhouse before buying. Triggered by a listener question, Wayne breaks down the real-world due diligence process investors need to follow to avoid bad surprises, special assessments, and poorly managed condo corporations. This is an episode you'll want to save, bookmark, and share with anyone considering condo or townhouse investing. 🧠 What You'll Learn in This Episode What condo (strata) fees actually cover and why they aren't "good" or "bad" on their own How to tell the difference between low fees due to good management vs mismanagement Why walking the complex is a critical first step before reviewing documents How condo boards, bylaws, and enforcement directly impact property values What condo documents really matter and what each one tells you The role of estoppel certificates, financial statements, and insurance certificates Why meeting minutes are one of the most important (and most overlooked) documents How reserve fund studies work and how to spot future special assessment risk Why hiring a professional condo doc review company is worth the cost How experienced investors find opportunity where others get scared away 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real investor questions, coaching moments, and practical investing education. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for investors: www.finngo.com/rei Submit a question for a future episode: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🏫 Edmonton Real Estate Investing Course Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: Why Edmonton is one of Canada's strongest cash flow markets The economic drivers shaping Edmonton's growth How to analyze neighborhoods for cash flow and upside The five main asset types and how they perform Tenant selection strategies that protect your returns How to buy rental properties that actually make money 👉 Learn more and register at: www.reimasters.ca

🎧 Edmonton Market Shift Creates New Investor Opportunities | January 2026 Update with Calvin Hexter Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Markets change. Smart investors adapt. In today's episode, Wayne and Gabby break down what shifting conditions in Edmonton's rental and real estate markets actually mean for investors who are paying attention. While headlines focus on rising vacancies and changing dynamics, this episode reframes the conversation around opportunity, preparation, and long-term strategy. Later, investor-focused Realtor Calvin Hexter joins the show with January 2026 Edmonton real estate stats to help investors understand where momentum is building, where pricing is stabilizing, and how to position yourself heading into the spring market. This episode is about learning how to win in any market cycle. 🧠 What You'll Learn in This Episode Why changing rental conditions can actually favor prepared investors How market cycles create buying opportunities most people miss What rising inventory means for negotiation power and deal selection How to position your rentals to stay competitive and attract quality tenants Why strong cash flow matters most when markets normalize January 2026 Edmonton real estate stats and what they signal for spring Where demand is increasing across different asset types How buyers and sellers can both succeed in a balanced market 🏘️ Edmonton Rental Market: A Reset, Not a Problem Wayne explains that Edmonton's rental market is shifting from an unusually tight period back toward balance — something experienced investors expect and plan for. Key takeaways: Balanced rental markets reward good operators Well-priced, well-presented rentals still perform strongly Cash-flow-focused investors gain resilience and flexibility Long-term investors benefit most during normalization periods Gabby shares proactive landlord strategies that thrive in competitive environments: Smarter pricing based on real market data Improving listings to stand out visually and emotionally Responding faster and removing friction for good tenants Treating leasing like a business, not a favor 📊 January 2026 Edmonton Real Estate Market Stats (with Calvin Hexter) Condo apartment values showing strong upward momentum Increased inventory creating more choice for buyers Days on market rising, offering better negotiation windows Multiple-offer scenarios still present in high-demand areas Market conditions trending toward balance — historically ideal for investors Calvin breaks down how: Buyers gain leverage without losing momentum Sellers can succeed with proper pricing and preparation Investors can align acquisitions with long-term cash flow goals 🏫 Edmonton Real Estate Investing Course Thinking about investing in Edmonton or scaling your portfolio strategically? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: Why Edmonton remains one of Canada's strongest cash flow markets The economic drivers supporting long-term growth How to analyze neighborhoods for both stability and upside The five main asset types and how they perform in different cycles Tenant strategies that protect cash flow How to buy rental properties that work in any market 👉 Learn more and register at: www.reimasters.ca 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question for the...

🎧 Buying Off-Market Properties Without Getting Burned Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Buying off-market properties can feel intimidating, especially if you're used to the comfort and structure of MLS transactions. In today's episode, Wayne and Gabby walk through exactly how off-market purchases work, what actually changes when there's no realtor involved, and how investors can protect themselves legally and financially. The conversation also expands into broader investing lessons, including why simple, boring deals often outperform flashy strategies, how the age and structure of a property impacts long-term value, and why many investors overcomplicate their path to wealth. Wayne shares candid insights on scaling, bandwidth, and the real reason experienced investors prioritize ease and repeatability over "home run" deals. 🧠 What You'll Learn in This Episode How buying off-market properties compares to buying through the MLS What stays the same in the purchase process and what changes without a realtor The biggest risks investors face in off-market deals and how to avoid them How negotiation changes when you're dealing directly with a seller Why trust (or lack of it) can make or break an off-market transaction Common contract and deposit mistakes investors make when no agent is involved Where deposits should be held and why giving money directly to a seller is risky Timing pitfalls around inspections, financing, lawyers, and possession dates Why experienced investors prefer simple, scalable deals over flashy strategies How a property's age, structure, and remaining lifespan affect long-term value 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: info@reimorningshow.com 🤝 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 📧 keaton@kbmortgages.ca 🔗 Facebook 🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: 🔹 Why Edmonton is one of Canada's strongest cash flow markets 🔹 The economic drivers shaping Edmonton's growth 🔹 How to analyze neighborhoods for cash flow and upside 🔹 The five main asset types and how they perform 🔹 Tenant selection strategies that protect your returns 🔹 How to buy rental properties that actually make money 👉 Learn more and register at: www.reimasters.ca

🎧 How Much Income Do You REALLY Need to Qualify for a Mortgage? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier This morning's episode gets real about mortgage qualification — and why so many investors hit a wall even when they "make good money." Investor-focused mortgage broker Keaton Kirkwood joins us to break down the actual math behind qualifying for rental properties in Canada, using real Edmonton examples. We talk surplus income, car payments, lender differences, and why small decisions can make or break your ability to build a portfolio. If you've ever asked yourself "Why won't the bank approve me?" — this episode answers it. 🧠 What You'll Learn in This Episode How much gross income you actually need to qualify for a rental property Why lenders focus on surplus income, not just salary The hidden impact of car payments, rent, and personal debt Why a $150/month difference can decide if you build a portfolio or not How different lenders treat non-subject rental properties Why many high-income earners still can't qualify The importance of using an investor-focused mortgage broker 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, joint ventures, flips, and creative real estate strategies. New episodes every weekday morning featuring real coaching conversations, market insights, and tactical investing advice. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Submit a question for the show: info@reimorningshow.com 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca 🏫 Edmonton Real Estate Investing Course Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: Why Edmonton is one of Canada's strongest cash-flow markets The economic drivers shaping Edmonton's growth How to analyze neighborhoods for cash flow and upside The five main asset types and how they perform Tenant selection strategies that protect your returns How to buy rental properties that actually make money 👉 Learn more and register at: www.reimasters.ca