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🎧 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: [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

🎧 The Power of Community & Networking in Real Estate Investing Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Building wealth in real estate is not a solo sport. In today's episode, Wayne and Gabby break down why community and networking are "rocket fuel" for your growth as an investor, and how surrounding yourself with the right people helps you move faster, make better decisions, and stop second-guessing everything. You'll also hear a live networking exercise you can copy today to start building your investor circle. Special guest Patrick Mooney joins the show to share how networking helped accelerate his investing journey, plus details on the Edmonton Real Estate Investor Meetup happening this weekend. 🧠 What You'll Learn in This Episode Why trying to do real estate alone slows you down The real value of community (support, confidence, resources, momentum) A simple networking exercise to meet investors instantly How to break the ice and stop feeling awkward at events Why networking works best when you're not showing up with an agenda How meetups help you learn faster by seeing real deals and real results How to use "coffee chats" (in-person or Zoom) to build your investing circle 👥 Special Guest Patrick Mooney is an Edmonton-based real estate investor focused on long-term buy-and-hold strategies and projects that require light improvements. He is the co-host of the Edmonton Real Estate Investor Meetup, a free monthly event designed to create a safe, welcoming space for investors at all stages to connect, learn, and grow. 📍 Edmonton Real Estate Investor Meetup (This Weekend) Saturday, February 7 | 12:00 PM – 2:00 PM Hosted at a recently completed fix-and-flip with a full walkthrough and lessons learned Search Facebook for "Edmonton Real Estate Investor Meetup" to register 👥 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 – Hosted by Wayne & Gabby Hillier Thinking about investing in Edmonton but not sure where to start, or maybe you're wondering if it's really the right market for you? Edmonton is quickly becoming one of Canada's top markets for real estate investors, and we're here to show you exactly how to make the most of it. Our eight-week online program gives you the blueprint to invest with confidence and build a strong cash-flowing portfolio in Edmonton, Alberta. In just eight weeks, you'll uncover: Why Edmonton's economic drivers are putting this city on the map The Edmonton advantage and what makes this market stand out from the rest A better understanding of the five different asset types and which perform the best How to analyze neighborhoods for cash flow and growth The secret to finding great tenants How to choose rental properties that actually make you money Whether you're brand new or looking to grow your portfolio, this program gives you the tools and strategies to succeed in the Edmonton market. 👉 Learn more and register at: www.reimasters.ca

Calgary Market Shifts & How to Scale Using Equity (Without Running Out of Money) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode dives into two big topics investors are asking about right now: how to properly scale a portfolio using equity without over-leveraging, and what's actually happening in the Calgary real estate and rental markets heading into spring 2026. Wayne breaks down complex concepts in plain language, walks through real examples, and shares why "mastering your market" matters more than ever. 🧠 What You'll Learn in This Episode How equity really works (and why you're not "losing" money when you refinance) The difference between debt, equity, and net worth when scaling Step-by-step explanation of cash-out refinances vs HELOCs How one property can realistically turn into two, four, or eight over time Why debt servicing matters more than just appreciation Calgary's December market surprise and what it signals for 2026 Which Calgary property types are under the most pressure Why rents are falling and vacancy rates are rising What investors must do differently in a 5% vacancy market Why beginners should be cautious in Calgary right now How experienced investors find opportunity when others hesitate 📊 Calgary Market Snapshot (Key Takeaways) December 2025 briefly showed seller-market conditions due to low supply Average Calgary home price down ~3.2% year over year Condos hit hardest with ~6.6% price decline Average rent now around $1,875 Vacancy rate hovering near 5% Heavy new construction continues to pressure rents Market is increasingly neighborhood, price-point, and asset-type specific Bottom line: Calgary is no longer a market for "spray and pray" investing. Precision matters. 🎯 Wayne's Core Message Real wealth isn't built by guessing the market top or bottom. It's built by: Understanding leverage properly Operating rentals like businesses Managing risk with systems and cash flow Becoming a true expert in your chosen market Most investors miss opportunities not because they aren't smart, but because they don't know what to look for yet. 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, joint ventures, flips, and creative real estate strategies. New episodes air every weekday morning featuring real deals, real coaching, and real market insight. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: 👉 www.reimasters.ca Investor bookkeeping & tax support: 👉 www.finngo.com/rei Submit a question for the show: 📧 [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting 🌐 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 walks you through: Why Edmonton remains one of Canada's strongest cash-flow markets Economic drivers shaping long-term growth How to analyze neighborhoods properly The five main asset types and how they perform Tenant selection strategies that protect returns How to buy rentals that actually make money 👉 Learn more and register at: www.reimasters.ca

🎧 Calories In, Cash Flow Out: The Math Behind Health, Wealth, and Smarter Investing Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode started unscripted and turned into a deep dive on something that affects every investor: understanding the math behind decisions. Wayne continued yesterday's conversation on health, calories, and discipline, then tied it directly into cash flow, risk, and profitability in real estate investing. This episode is about stopping the guesswork, understanding the rules of the game, and making intentional decisions in both your personal life and your rental portfolio. 🧠 What You'll Learn in This Episode Why most people are "winging it" with money, health, and investing Calories in vs calories out and why you can't outwork bad inputs Why tracking numbers beats motivation every time The real math behind cardio, weight loss, and sustainable habits How "cash flow = safety" in real estate investing Practical ways to reduce expenses and increase cash flow in rentals Why proactive maintenance saves more money than reactive repairs How small decisions compound into massive long-term outcomes 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 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: [email protected] 📘 Get the book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 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

Understanding the Math Behind Health and Real Estate Wealth Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Most people believe progress comes from motivation, discipline, or finding the "right" program. In reality, progress comes from understanding the math. In today's episode, Wayne breaks down how the same simple math principles apply to health, weight loss, and real estate investing, and why ignoring the numbers keeps people stuck for years. This is a practical, no-fluff conversation about systems, discipline, delayed gratification, and why simplicity often exposes the real problem. 🧠 What You'll Learn in This Episode Why simplicity is confronting but necessary The basic math behind weight loss and calorie deficits Why you can't outwork a bad diet How real estate wealth follows the same compounding math Why most investors quit before results show up The danger of chasing instant gratification How systems beat motivation every time Why understanding the numbers removes excuses 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, joint ventures, and creative real estate strategies. 🎙 New episodes every weekday morning featuring real coaching moments, real numbers, and real investor lessons. 🏫 Edmonton Real Estate Investing Course Thinking about investing in Edmonton but not sure where to start? Our 8-Week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: Why Edmonton is one of Canada's strongest cash flow markets The economic drivers fueling long-term growth How to analyze neighborhoods properly The five main asset types and how they perform Tenant selection strategies that protect your returns How to buy rental properties that actually make money 👉 Learn more and register at: www.reimasters.ca 💡 Resources & Contact 📘 Learn about the REI Masters Mentorship Program: www.reimasters.ca 📊 Investor bookkeeping & tax help: www.finngo.com/rei 📩 Submit a question for the show: [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting 🌐 www.finngo.com/rei 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected]

🎧 Taxes, Deductions & Getting Ready for 2025 Filing Season Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier With tax season right around the corner, today's episode dives deep into what real estate investors need to know before they hand anything off to their accountant. Wayne & Gabby are joined by Steve Tsonev, Managing Partner at Finngo Bookkeeping & Tax, to break down preparation, deductions, common mistakes, and how to make tax season way less stressful. If you own rental properties, are filing your first return with rental income, or just want clarity on what's deductible and what's not — this episode is a must-listen. 🧠 What You'll Learn in This Episode When real estate investors should start preparing for personal and corporate tax filings The most common rental property expenses investors forget to include How Finngo's checklist and client portal simplify tax prep What's deductible vs. capitalized for rental properties Vehicle expenses, mileage tracking, and CRA expectations How home office expenses apply to rental properties First-time home buyer tax credits and what documentation is required Cash-for-keys payments — when they are deductible and when they're not Why working with an investor-focused accountant matters 👥 About Your Guest Steve Tsonev is the Managing Partner at Finngo Bookkeeping & Tax, one of Canada's leading investor-focused accounting firms. Steve specializes in working with real estate investors, business owners, and corporations across Canada, helping them reduce tax liability, stay compliant, and build long-term wealth through smart tax strategy and systems. 👥 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 investor stories, coaching moments, and tactical advice. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: 👉 www.reimasters.ca Investor-focused bookkeeping & tax help: 👉 www.finngo.com/rei Submit a question for the show: 📧 [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 📊 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/edmonton 

🎧 When a Seller Accepts… Then Backs Out | Early Lease Renewals | Rental Property Taxes Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode kicks off with a real-world deal story that most investors will never experience: an offer accepted below list price, no counter… and then suddenly pulled back. Wayne breaks down exactly what happened, how it was handled, and the lessons investors need to take away when navigating fast-moving deals, multiple parties, and verbal acceptances. From there, the show moves into several high-impact listener questions covering lease renewals, common-law relationships, agreements for sale, and how to properly think about taxes when analyzing rental properties. 🧠 What You'll Learn in This Episode What it means when a seller accepts an offer without countering, and why it can be a red flag How to handle verbal acceptances, signing authority, and messy estate situations Why speed matters when a property checks all your boxes The right timing and process for sending early lease renewal offers to tenants How common-law relationships can impact real estate ownership and risk Whether you can assign an Agreement for Sale to a joint venture partner When a Power of Attorney is useful (and when it is not) Why taxes should not be deducted from cash flow in deal analysis The biggest misconception investors have about paying tax on rental income 👥 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 (investor-focused): www.finngo.com/rei Submit a question for the show: [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected] 🔗 Facebook 🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: Why Edmonton is one of Canada's strongest cash flow markets The economic drivers shaping Edmonton's growth How to analyze neighborhoods for cash flow and upside The five main asset types and how they perform Tenant selection strategies that protect your returns How to buy rental properties that actually make money 👉 Learn more and register at: www.reimasters.ca

🎧 A Rental Property That Never Appreciated (And Still Made $200,000) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode is a masterclass in understanding how real money is actually made in real estate, even when appreciation never shows up. Wayne walks through a real Edmonton property that hasn't increased in value in eight years, yet still produced over $200,000 in total profit through forced equity, mortgage paydown, and cash flow. The conversation challenges common investor myths, breaks down the math most people never run, and explains why timing, market mastery, and education matter more than hype or hope. 🧠 What You'll Learn in This Episode Why appreciation is never guaranteed and should not be your strategy A real Edmonton suited-house deal that never went up in value How $95,000 in forced equity was created through renovation Why that same property produced $105,000 in profit over eight years anyway How a perfect BRRRR returned 100% of invested capital Why the deal produced an infinite ROI after refinancing How market timing made this deal possible (and why it no longer works today) Why most investors drastically overestimate or underestimate returns The danger of copying past strategies without understanding today's market Why mastering your local market is non-negotiable How education and repetition create confidence and better decisions 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, joint ventures, fix and flips, and conservative cash-flow-first investing strategies. New episodes air live every weekday morning at 6:00 AM MT, offering free coaching, real deal breakdowns, and unfiltered investing education. 💡 Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Mortgage guidance for investors: www.kbmortgages.ca 📧 [email protected] Bookkeeping & tax support for investors: www.finngo.com/rei Submit a question for the show: [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] 🏫 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

🎧 When Should You Sell a Bad Rental Property? Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier This morning's episode tackles one of the most uncomfortable questions investors face but rarely talk about honestly: when does it actually make sense to sell a rental property that isn't performing? Wayne breaks down why most investors panic-sell too early, how to evaluate a "bad" rental using math instead of emotion, and why buying right from day one usually eliminates this problem entirely. The episode also covers joint ventures, long-term thinking, and a listener question around rent increases on fixed-term leases in Alberta. 🧠 What You'll Learn in This Episode When selling a bad rental property actually makes sense Why most investors should not cut their losses if they bought correctly A real joint venture example that produced $150,000+ per partner in five years How to evaluate hold vs sell decisions using math, not emotion The role of mortgage paydown and cash flow in long-term outcomes When holding a negative-cash-flow property may still be the smarter move Why joint ventures are inevitable if you want to scale The thinking behind the Joint Ventures 30-Day Challenge Alberta rules on rent increases during fixed-term leases 👥 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, and creative real estate strategies. New episodes air live every weekday morning at 6:00 AM MT, featuring real investor questions, live coaching, and no-fluff education. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Mortgage guidance for investors: www.kbmortgages.ca 📧 [email protected] Bookkeeping & tax support: www.finngo.com/rei Submit a question for the show: [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] 🏫 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

🎧 From Fix & Flips to Rent-to-Own: How Kyla & Fabien Quesnel Are Building a People-First Real Estate Business Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode features an in-depth conversation with Kyla and Fabien Quesnel, two standout members of the REI Masters Mentorship Program who are building a real estate business in Central Alberta rooted in skill, integrity, and long-term thinking. Kyla and Fabien share their journey from relocating from BC to Alberta, launching a fix-and-flip business, and now transitioning into rent-to-own done the right way through their new company, Journeys for Keys. Along the way, Wayne and Gabby also respond to a listener question about favorite real estate investing strategies, and explain why simple, boring strategies often outperform flashy ones over the long run. 🧠 What You'll Learn in This Episode Kyla & Fabien's journey from BC to Central Alberta to build a real estate business together How they used fix-and-flips to generate capital and hands-on experience A detailed breakdown of their first rent-to-own deal, including real numbers How they combined renovations, equity creation, and rent-to-own into one hybrid strategy Why most rent-to-own deals fail — and how Kyla & Fabien are intentionally doing it differently The importance of transparency, fair pricing, and setting tenant-buyers up for success How Journeys for Keys is designed to help families transition into home ownership Wayne and Gabby's perspective on favorite investing strategies — and why long-term buy-and-hold still wins 👥 Guest Spotlight: Kyla & Fabien Quesnel Founders of Journeys for Keys Kyla and Fabien Quesnel are real estate investors based in Central Alberta who specialize in fix-and-flips and ethical rent-to-own solutions. In this episode, they share: How they built early momentum through hands-on renovations Why they were uncomfortable with traditional rent-to-own models How that discomfort shaped a more balanced, people-first approach The structure of their current rent-to-own project, including cash flow, equity, and exit strategy Their long-term vision of helping families achieve home ownership while building a sustainable business This conversation is a practical example of how strategy, execution, and values can work together. 🏫 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 👥 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 the Mentorship Program: www.reimasters.ca Bookkeeping & tax help for investors: www.finngo.com/rei Submit a question for the show: [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]

🎧 Single Family vs Fourplexes | Hidden Rental Costs Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier This morning's show was a real, unfiltered coaching session driven entirely by listener questions. Wayne and Gabby broke down common investor assumptions, exposed costly misconceptions, and shared hard-earned lessons from managing real rental portfolios across Alberta. If you've been stuck overthinking your next move, today's episode cuts through the noise and brings everything back to fundamentals, math, and risk. 🧠 What You'll Learn in This Episode Why most investors ask the wrong questions and how that holds them back The real pros and cons of single family homes vs fourplexes Why "more doors" does not automatically mean better returns The biggest hidden operating costs investors underestimate in single family rentals Why suited properties often create more tenant conflict and management issues The real risk behind non-legal secondary suites and why towns "looking the other way" still isn't safe How to actually compare investments using return per dollar invested, not opinions Why cash flow per dollar invested is a better risk metric than total cash flow What Wayne would buy today in Edmonton if forced to give a simple answer Why long-term credibility matters more than squeezing maximum returns early on 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question for the show: [email protected] 📘 Recommended Reading The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected] 🏫 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

🎧 CMHC Cancels Red Deer Housing Fund | What It Means for Investors & Homeowners Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode dives into one of the most important housing stories in Alberta right now. CMHC has officially cancelled Red Deer's Housing Accelerator Fund agreement, and the city is pushing back. Wayne and Gabby break down what happened, why it matters, and what investors, homeowners, and municipalities should be paying attention to next. The conversation also takes a personal turn around lifestyle design, community impact, and how zoning decisions affect real people, not just numbers on paper. 🧠 What You'll Learn in This Episode Why CMHC pulled Red Deer's Housing Accelerator Fund What conditions Red Deer refused to accept and why How blanket rezoning has impacted Edmonton and Calgary neighborhoods The unintended consequences of rapid densification Why rental supply overshot demand in Alberta markets What Red Deer can learn from Edmonton and Calgary's experience How investors should think about vacancy rates and rent softening Why balanced growth matters more than fast growth 👥 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] 🏫 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 📧 [email protected] 🔗 Facebook

🎧 Edmonton Rental Market Update 2026 | Vacancy Rates, Rent Trends & What Investors Need to Prepare For Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode continues our deep dive into the Edmonton real estate market, shifting the focus specifically to the Edmonton rental market. We break down newly released CMHC data, share what we're seeing on the ground as active landlords, and discuss why 2026 could be a pivotal year for investors who are paying attention. This was a data-heavy, honest conversation about supply, demand, affordability, and what many landlords are about to experience as the rental landscape continues to shift. 🧠 What You'll Learn in This Episode Why Edmonton's rental vacancy rate increased to 3.8% and what's driving it How thousands of new purpose-built rental units are impacting demand Average rent changes across studios, 1-bed, 2-bed, and 3-bed apartments Why newer, high-end rentals are feeling pressure first The role condominium apartments are playing in rental supply How affordability stress is showing up in tenant applications and credit reports Why 2026 could see record tenant turnover The biggest mistake landlords make in softening rental markets How incentives can protect rents without racing to the bottom What investors should expect heading into spring 2026 👥 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 for investors: www.finngo.com/rei Submit a question to be answered on the show: [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected] 🔗 Facebook 🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: Why Edmonton remains 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 Real Estate Market Insights for 2026 Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Edmonton's real estate market is entering a very different phase heading into 2026. In today's episode, Wayne and Gabby break down what's really happening beneath the headlines — from infill policy changes and affordability pressures to 2026 home price forecasts and population trends. This episode is about cutting through opinions and focusing on data, lived experience, and what it all means for investors who want long-term stability instead of chaos as we move into 2026. 🧠 What You'll Learn in This Episode Why Edmonton's aggressive infill strategy is being reconsidered in 2026 and what proposed changes could mean for investors The key differences between corner-lot and mid-block infill development and why residents are pushing back How lot size, unit caps, parking constraints, and mature neighborhoods are shaping the future of infill National home price forecasts for 2026 and why Alberta markets are expected to outperform Toronto and Vancouver 2026 price projections for Calgary vs Edmonton and what they signal for investors Why Wayne prefers modest, boring appreciation over rapid price growth How rising prices, flat rents, and affordability ceilings create risk for rental investors in 2026 Why population growth in Edmonton is slowing and how that impacts housing demand The link between employment trends, tenant affordability, and rental stability Why three-bedroom units and strong tenant profiles matter more than ever heading into 2026 👥 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. 🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier Thinking about investing in Edmonton in 2026 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   💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help for real estate investors: www.finngo.com/rei Submit a question for the show: [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected] 🔗 Facebook 🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier Thinking about investing in Edmonton in 2026 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

🎧 What You Need for a Mortgage on Your First Rental Property In 2026 (Investor Guide) Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Today's episode is all about what new real estate investors need to know before applying for their first rental property mortgage. Wayne and Gabby kick things off with live audience engagement, market chatter, and a real-world landlording discussion before welcoming investor-focused mortgage broker Keaton Kirkwood to break down rental mortgage fundamentals in plain English. This episode is designed to remove fear, confusion, and misinformation around rental property financing — especially for first-time investors who want clarity before taking action. 🧠 What You'll Learn in This Episode Why rental property mortgages are assessed very differently than primary residences How lenders calculate income, debt service ratios, and rental income Why "cash flow positive" deals can still show as losses on paper to lenders Common mistakes investors make that hurt mortgage qualification How car loans, credit cards, and lines of credit impact borrowing power The difference between lender policy vs. federal (OSFI) rules Why investor-focused mortgage brokers matter What documents you should have ready before applying for a rental mortgage 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question for the show: [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected] 🔗 Facebook 🏫 Edmonton Real Estate Investing Course – Hosted by Wayne & Gabby Hillier Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: Why Edmonton is one of Canada's strongest cash-flow markets The economic drivers shaping Edmonton's growth How to analyze neighborhoods for cash flow and upside The five main asset types and how they perform Tenant selection strategies that protect your returns How to buy rental properties that actually make money 👉 Learn more and register at: www.reimasters.ca