🎧 How Private Lenders Assess a Deal | Calvert Home Mortgage | Real Estate Investing Canada
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today’s episode, Wayne and Gabby welcome Ryan Day from Calvert Home Mortgage to discuss how private lenders look at real estate deals — and how their process differs from traditional banks and credit unions. They also kick off the show with a timely conversation about doing your due diligence when it comes to people you associate with in the investing world.

🧠 What You'll Learn in This Episode

• Why it’s critical to VERIFY people’s backgrounds in real estate networking spaces

• Red flags to watch for when someone is selling mentorship or investments

• How Calvert Home Mortgage evaluates a borrower

• Key differences between applying personally vs. through a corporation

• How private lenders assess property types, location, and marketability risks

• When a personal guarantee is required for corporate borrowers

• How Calvert differs from traditional lenders and how they support investor success

👥 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 the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test
Order Now → https://a.co/d/3Xrcnhw

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 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

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268

🎧 How to Choose the Right Mentor or Coach for Real Estate Investing
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today’s episode, Wayne and Gabby walk through one of the most important decisions a real estate investor can make: choosing the right mentor. With so many options out there—coaches, programs, gurus—it’s crucial to know what to look for so you don’t waste time or money following the wrong advice.

They also cover today’s top real estate news: Alberta’s record-setting population growth and what it means for rental markets, housing demand, and investor opportunities across the province.

🧠 What You'll Learn in This Episode

• Why Alberta added over 200,000 new residents in 2024

• What population growth means for housing demand and rents

• The 5 things you should look for in a real estate coach

• Why mentorship should lead to results—not just motivation

• How to vet a coach’s students and see if they’re actually succeeding

• Red flags to avoid when selecting a real estate investing program

• Why Canadian-specific expertise matters more than ever

• How to align mentorship with your unique investing goals

👥 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 the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test
Order Now → https://a.co/d/3Xrcnhw

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 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

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268

🎧 What Pipeline Projects Mean for Alberta’s Rental Market
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

This morning, Wayne breaks down a major infrastructure project—Pembina Pipeline’s $5.1B expansion—and what it means for Alberta’s economy, job market, and real estate investing opportunities. He also answers two listener questions about renting by the room and handling abandoned tenant belongings.

🧠 What You'll Learn in This Episode

• Why the Pembina Pipeline project matters to investors

• How trades jobs affect rental demand in cities like Edmonton and Red Deer

• What rental per room strategies mean for lenders and insurers

• Clarifying tenant abandonment vs. lease completion rules

• Why infrastructure projects shape long-term housing trends

• The link between economic confidence and landlord stability

• How to position yourself for future opportunity zones in Alberta

👥 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 the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test
Order Now → https://a.co/d/3Xrcnhw

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
🔗 Facebook

📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 finngo.com/rei
🔗 Facebook

💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 kbmortgages.ca
📧 keaton@kbmortgages.ca
🔗 Facebook

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268

🎧 Red Deer Real Estate & Labour Market Update | Investing in Alberta
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier with guest Krystal Kromm

In today’s episode, Wayne is joined by Red Deer investor-focused realtor Krystal Kromm for a deep dive into the local real estate market. They unpack what the latest labour market trends mean for investors, and offer practical advice for those buying, selling, or holding property in Red Deer — especially small multifamily homes.

🧠 What You'll Learn in This Episode

• Why Red Deer’s labour market just made a big move — and what it signals for investors

• What to know when buying small multifamily properties in a shifting market

• Why preparation is key whether you're buying or selling in Red Deer

• How job growth and unemployment trends affect rentability and tenant demand

• Krystal’s top insights for sellers who want to stand out in today’s market

• What buyers need to watch out for with inventory, financing, and price softness

👥 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 the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test
Order Now → https://a.co/d/3Xrcnhw

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
🔗 Facebook

📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 finngo.com/rei
🔗 Facebook

💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 kbmortgages.ca
📧 keaton@kbmortgages.ca
🔗 Facebook

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268

🎧 New Builds vs Existing Properties | Real Estate Investing Canada | Edmonton
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Should you invest in a new build or an existing property? In today’s episode, Wayne and Gabby answer a listener’s question and break down the pros and cons of each — assuming the properties are the same price. They explore practical realities like rent-readiness, tenant maintenance, neighborhood dynamics, and financing issues so investors can make a more informed decision. This episode is packed with insights, especially for those looking to buy in Edmonton or other Canadian markets.

🧠 What You'll Learn in This Episode

• Why “rent-ready” timelines differ between new builds and resale homes

• Common maintenance and landscaping concerns in new subdivisions

• How tenant profiles may shift based on home age and finishes

• The financing issues older homes may face that new builds avoid

• Why construction dirt, dusty siding, and clogged filters are a real thing

• The hidden risks of relying on tenants to maintain new landscaping

• How to weigh long-term reliability vs. immediate cash flow

• Which factors matter most if both options cost the same

👥 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 the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test
Order Now – https://a.co/d/3Xrcnhw

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 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

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268

🎧 Ethical Real Estate Investing | Canada
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

What does it really mean to be an ethical real estate investor? In today’s episode, Wayne and Gabby have a transparent conversation about morality in real estate investing. Can you make money and still be a good landlord? Can you evict someone legally and still feel good about it? The episode digs into common situations Canadian landlords face and how to build a reputation based on trust, empathy, and fairness — without sacrificing profitability.

🧠 What You'll Learn in This Episode

• What “ethical investing” actually means in Canadian real estate

• How to balance profit with principles as a landlord or investor

• Why good ethics lead to better long-term tenant relationships

• Whether it’s wrong to raise rents, evict tenants, or enforce leases

• How to protect your reputation while protecting your investment

• Examples of ethical dilemmas from real investors and how they handled them

• How Wayne and Gabby approach values-based decisions in their own portfolio

• The #1 mindset shift that separates ethical investors from slumlords

👥 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 the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test
Order Now – https://a.co/d/3Xrcnhw

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 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

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268

🎧 Real Estate Joint Ventures | Real Estate Investing Canada
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today's episode is an impromptu masterclass on joint ventures—and it might be one of the most valuable episodes we’ve done in a while. We break down the entire JV process, from start to finish, including who you should partner with, how to structure it properly, and where most investors go wrong. If you're serious about scaling your portfolio but limited by money, mortgages, or experience… this is the episode that can change everything.

🧠 What You'll Learn in This Episode

• What a joint venture is and how it works

• Why joint ventures are inevitable for investors who want to scale

• Who you should partner with—and who you shouldn’t

• Where to find the right JV partners (hint: not at investor meetups)

• How to structure a JV agreement the right way (and why 2-page templates are dangerous)

• The common legal and tax pitfalls of corporations vs JVs

• Why it’s not about convincing people—it's about connecting with the right ones

• A real-life story of JV "grace" in action

👥 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 the 5% Rule™ book on Amazon: The 5% Rule™ – The Real Estate Cash Flow Test

Order Now - https://a.co/d/3Xrcnhw

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 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

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268

🎧 Edmonton Real Estate Market Update | Korey Fenz
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today’s episode features Korey Fenz from Calvin Realty, back to give us the latest insights into the Edmonton real estate market. We cover inventory spikes, pricing trends, and what investors need to know right now to navigate the changing landscape in Alberta. Whether you're an active buyer or just watching the market, you'll get practical advice straight from one of Edmonton’s top investor-focused agents.

🧠 What You'll Learn in This Episode

• Why June is a smart time to buy in Edmonton

• How inventory shifts are affecting both buyers and sellers

• Which property types are still selling fast (and which are sitting)

• Tips for pricing flips and avoiding common listing mistakes

• What makes suited properties a low-risk investment

• Korey’s take on navigating negotiations in a slower market

• Behind the scenes of a successful flip with Max and Sam

• The importance of working with investor-focused realtors

👥 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.

📚 The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors
Written by Wayne Hillier | Pre-order now on Amazon: https://a.co/d/dg482Li

What if one simple rule could help you buy the right properties, avoid risky investments, and weather any storm in real estate?

In The 5% Rule™, real estate coach and Alberta investor Wayne Hillier introduces a simple but powerful framework for analyzing rental properties before you buy—so you can invest with confidence and protect your future cash flow.

💡 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
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584
🔗 https://www.facebook.com/krystalkromm.realtor

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 https://www.calvinrealty.ca
🔗 https://www.facebook.com/CalvinRealtyTeam

📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 https://www.finngo.com/rei
🔗 https://www.facebook.com/finngobooks

💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 https://www.kbmortgages.ca
📧 keaton@kbmortgages.ca
🔗 https://www.facebook.com/keatonkirkwoodmortgages

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 info@chmic.ca
🆔 FSRAO License Numbers: 13267 and 13268