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  • Real Estate Investing Q&A Garden Suites, Financing and Scaling Your Portfolio

    Real Estate Investing Q&A Garden Suites, Financing and Scaling Your Portfolio
    2026/07/16
    🎧 Real Estate Investing Q&A: Garden Suites, Financing and Scaling Your Portfolio Today's episode of the Canadian Real Estate Investing Morning Show is a live real estate investing Q&A session with Wayne and Gabby. Instead of focusing on one single topic, Wayne and Gabby answer several questions from Canadian real estate investors about Edmonton garden suites, construction financing, commercial financing, refinancing, mortgage strategy and how to scale a real estate portfolio more intentionally. They also share an update on a new Edmonton townhouse rental property they are taking possession of, including how they were able to secure a tenant before even getting the keys. The property received strong demand, multiple quality applications and was rented quickly because of the location, property type and strong marketing. The main discussion then turns to multi-unit garden suites in Edmonton, including how to determine what can be built on a lot, why more units can improve the cost-per-door, how commercial financing may apply, and why investors need to understand the financing strategy before starting the project. Wayne also explains why commercial financing is available for residential properties purchased inside a corporation, why it often comes with less favourable terms than residential financing, and why investors should be intentional from day one when building a mortgage and financing roadmap. 🧠 What You'll Learn Why live Q&A episodes can be extremely valuable for investorsHow Wayne and Gabby rented a property before taking possessionWhy strong marketing matters when filling vacanciesWhy location and property type still drive tenant demandHow multi-unit garden suites differ from traditional garage suitesHow to determine how many garden suite units may fit on a lotWhy zoning, setbacks, height limits and lot size matterWhy more units can reduce the cost-per-doorWhy Edmonton garden suites may work better than Calgary right nowHow Edmonton Garden Suites Ltd. is helping investors use tested modelsHow construction financing can work for garden suite projectsWhy proof of concept was needed before lenders became comfortableHow a garden suite project can resemble a BRRRR strategyWhy commercial financing can be used on residential propertiesWhy commercial financing often has stricter terms and ratiosWhy personal residential financing may be better early in an investor's journeyHow joint venture partners can help investors access better financingWhy mortgage strategy should be planned from day oneWhy the order of lenders can matter when scaling a portfolioWhy an investor-focused mortgage broker is essential 🏡 Garden Suite Q&A Wayne explains that many investors think of a garden suite as either a single ground-level unit or a garage suite above a detached garage. But in Edmonton, investors may be able to build multi-unit garden suites, depending on the zoning, lot size, setbacks, height restrictions and building requirements. Wayne and Gabby discuss models such as: Ground-level garden suites Garage suites Duplex garden suites Four-unit garden suites The larger opportunity comes from maximizing the number of units where the lot and numbers support it. More units can reduce the overall construction cost per door and potentially create stronger cash flow and stronger returns. 🏦 Financing Discussion A listener asked whether a residential property could be purchased using commercial financing if the investor planned to build four garden suites immediately. Wayne explains that commercial financing is not limited only to properties that already have five or more units. Investors can sometimes obtain commercial financing on residential properties, especially when buying through a corporation. However, commercial financing can come with trade-offs, including: Shorter amortizations Lower loan-to-value ratios Higher fees Stricter debt-service requirementsMore difficult qualification rules Wayne explains why many investors should use strong residential financing options first, then consider commercial financing or joint venture strategies as they scale. 🏘️ New Property Update Wayne and Gabby also share that they are taking possession of another Edmonton townhouse rental property. Before even receiving the keys, they were able to secure a signed lease and first month's rent from a tenant who had originally applied for another property in the same complex. This reinforces the importance of: Buying in strong locations Choosing rental properties tenants actually want Creating strong rental listings Responding quickly to tenant demand Having systems in place to manage vacancies efficiently 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio using strong fundamentals, cash-flow analysis, creative deal structuring, joint venture ...
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    1 時間 9 分
  • Adding $3,000+ In Monthly Cash Flow To Our Portfolio In Just 6 Months

    Adding $3,000+ In Monthly Cash Flow To Our Portfolio In Just 6 Months
    2026/07/08
    🎧 Adding $3,000+ In Monthly Cash Flow To Our Portfolio In Just 6 Months How Wayne and Gabby used affordable Edmonton townhouses, strong systems and strategic partnerships to add significant monthly cash flow to their portfolio. Over the last six months, Wayne and Gabby added five more rental properties to their portfolio. Together, those properties now produce more than $3,000 per month in additional cash flow. In today's episode, they explain how they found these opportunities, why they continue buying Edmonton townhouses and how they were able to keep growing their portfolio without relying only on their own savings or mortgage qualification. These were not complicated development projects or secret off-market deals. They were affordable residential properties that were publicly available and purchased using traditional financing. The difference was understanding the market, recognizing overlooked opportunities and knowing how to properly evaluate townhouse condominium corporations. Wayne explains why many investors immediately reject properties with condominium fees. Condo fees are not automatically good or bad. The more important questions involve: How the condominium corporation is managed The strength of the reserve fund The condition of major components Upcoming repair and replacement schedules Whether the current fees are sustainable Whether the complex has a history of special assessments Whether owners and tenants show pride in the property A condominium complex with higher fees today may still be in a stronger long-term financial position than one with artificially low fees and an underfunded reserve. Understanding how to review condo documents can help investors avoid bad properties while identifying opportunities that other buyers overlook. Wayne and Gabby also explain why townhouse rentals can be attractive from a management perspective. Many families want: Multiple bedrooms More privacy A small yard Their own entrance No neighbours above or below them Access to schools and family-friendly neighbourhoods Properties that tenants genuinely want can be easier to rent, encourage longer tenancies and reduce turnover. The episode also discusses why affordable properties can be powerful investments. A lower purchase price can mean: A smaller down payment Easier mortgage qualification A lower barrier to entry Stronger cash flow relative to the investment More opportunities to diversify across multiple properties Wayne explains that one of the biggest advantages of Edmonton townhouses is that they remain accessible to everyday Canadian investors. Not every investor has hundreds of thousands of dollars available for a major development project or large multifamily acquisition. Affordable residential properties can allow more Canadians to begin building wealth without waiting years to save a massive amount of capital. The episode then addresses one of the biggest challenges investors face when trying to scale. Most people cannot continue saving enough money to purchase multiple properties on their own. Even investors with strong incomes may eventually reach limits on the number of residential mortgages they can qualify for. Wayne explains that partnerships can help solve both problems. A real estate expert may contribute: Deal sourcing Market knowledge Negotiation Property analysis Financing strategy Due diligence Tenant placement Property-management systems Long-term portfolio planning A capital partner may contribute: Down payment funds Closing costs Mortgage qualification Financial strength Together, the partners may be able to purchase properties that neither person would have pursued alone. Wayne and Gabby explain that partnerships played a major role in growing their own portfolio. They began by using personal savings, explored creative financing strategies and later began working with partners who had capital and mortgage qualification but lacked the time, experience or confidence to invest independently. Cash flow is also discussed as a risk-management tool. Wayne and Gabby do not treat rental cash flow as spending money. They allow it to accumulate inside reserve accounts so their portfolio can withstand unexpected events such as: Vacancies Appliance replacements Property repairs Insurance deductibles Tenant turnover Weather-related damage Major maintenance expenses This became especially important after Edmonton experienced significant rainfall and flooding that affected several properties and delayed construction at one of their garden suite developments. Strong cash flow does not prevent every problem. It gives investors the financial capacity to handle problems without immediately contributing more personal money or being forced to sell. The goal is not simply to own a large amount of real estate. The goal is to build a portfolio that can remain profitable and sustainable for 15 to 20 years or longer. Wayne also explains why investors ...
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    1 時間 4 分
  • The Tenant Screening System Every Landlord Needs

    The Tenant Screening System Every Landlord Needs
    2026/07/09

    🎧 The Tenant Screening System Every Landlord Needs

    A strong tenant screening process can protect your rental income, reduce turnover, prevent unnecessary damage, and make owning rental properties far less stressful.

    In today's episode, Wayne and Gabby break down the system they use to evaluate tenant applications before handing over the keys. They explain why a great first impression is not enough, how a recent applicant misrepresented their income, and which details landlords should verify before approving someone for a rental property.

    You'll learn how to review rental applications, confirm employment and income, assess affordability, interpret credit reports, contact landlord references, verify legal identification, and identify inconsistencies that may signal additional risk.

    The goal is not to find a "perfect" tenant. It is to gather enough reliable information to make a responsible and consistent decision that protects both the landlord and the applicant.

    🧠 What You'll Learn

    • Why tenant screening starts with a detailed rental application
    • What information landlords should collect from applicants
    • How to verify employment, income and recent pay stubs
    • Why stated income should never be accepted without confirmation
    • How to determine whether the rent is realistically affordable
    • Why the full credit report matters more than the credit score alone
    • What collections, late payments and repeated credit inquiries may reveal
    • How to ask better questions when contacting landlord references
    • Why landlords should confirm an applicant's legal identity
    • How online and social media searches may uncover additional information
    • Why no tenant screening service can completely eliminate risk
    • How strong systems can make rental property management more passive

    👥 About Your Hosts

    Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta.

    Together, they have built and self-managed a growing rental property portfolio while creating systems that allow them to operate their business remotely. Through the Canadian Real Estate Investing Morning Show and REI Masters, they help investors improve their cash flow, reduce risk and build sustainable real estate businesses.

    💡 Resources & Contact

    Learn how to self-manage your rental properties from anywhere through the REI Masters Remote Property Management Course:

    🌐 www.reimasters.ca

    Want to be coached personally by Wayne and Gabby?

    Join the REI Masters Mentorship Program:

    🌐 www.reimasters.ca

    Have a question you would like answered on the show?

    📧 info@reimorningshow.com

    The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube.

    📅 Upcoming Events

    Edmonton Garden Suites 101
    July 25, 2026
    Edmonton, Alberta
    www.reimasters.ca/edmontongardensuites101

    REI Masters Edmonton Real Estate Investing Bus Tour
    August 22, 2026
    www.reimasters.ca/edmontonbustour



    Calvin Realty – Edmonton Investor-Focused Realtor Team
    🌐 www.calvinrealty.ca

    Finngo Bookkeeping & Tax
    Specialized bookkeeping and tax services for Canadian real estate investors.
    🌐 www.finngo.com/rei

    Kirkwood & Brennan Mortgage Group
    Investor-focused mortgage planning for Canadian real estate investors.
    🌐 www.kbmortgages.ca
    📧 keaton@kbmortgages.ca
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    57 分
  • Edmonton Real Estate Market Update: More Listings, Less Competition and New Opportunities

    Edmonton Real Estate Market Update: More Listings, Less Competition and New Opportunities
    2026/07/10
    🎧 Edmonton Real Estate Market Update: More Listings, Less Competition and New Opportunities The Edmonton real estate market is shifting—and that is creating a very different environment for buyers, sellers and real estate investors. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby are joined by Calvin Hexter of Calvin Realty for a detailed discussion about what is happening across the Edmonton market in July 2026. Inventory has climbed significantly compared with the same time last year, more properties are sitting on the market, and buyers have more options and negotiating power. At the same time, many sellers are beginning to adjust their expectations as the market moves closer to balanced conditions. The conversation also explores why July may offer a temporary window of opportunity for investors, how summer travel and weather can influence buyer activity, and why September could bring another wave of demand. Calvin also shares practical guidance on where investors should begin, why location and a clearly defined buy box matter, and how to avoid overcomplicating the real estate investing process. 🧠 What You'll Learn Why Edmonton real estate inventory has increasedHow the current market compares with July 2025Why more listings create stronger negotiating opportunities What rising inventory means for buyers and sellersWhy some Edmonton properties are sitting longerHow summer vacations and delayed plans affect buyer activityWhy July may be an attractive buying windowWhy demand could return more aggressively in SeptemberHow seller expectations and buyer expectations are separatingWhy investors should make offers based on their required numbersHow seller financing and rent-to-own structures may bridge pricing gapsWhy location should come before strategyHow to identify the right Edmonton neighbourhoods for your goalsWhy investors need a clear buy boxHow overcomplicating the process leads to poor decisionsWhy the fundamentals still matter most in real estate investing 👤 About Today's Guest Calvin Hexter is an Edmonton investor-focused Realtor and the founder of Calvin Realty. Calvin and his team work with homeowners and real estate investors throughout Edmonton and Alberta. Their approach combines market data, neighbourhood analysis, investor education and practical acquisition strategies to help clients make informed decisions. Learn more, explore the Edmonton investor desirability map and connect with the team: 🌐 www.calvinrealty.ca 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio while helping investors identify strong opportunities, improve cash flow and reduce risk through REI Masters and the Canadian Real Estate Investing Morning Show. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Explore REI Masters courses, workshops and real estate investing resources: 🌐 www.reimasters.ca Have a real estate investing question you would like answered on the show? 📧 info@reimorningshow.com The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REI Conference Summit Series September 11–13, 2026 www.reiconference.ca 🤝 Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. 🌐 www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca
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    1 時間 4 分
  • Loan or Partnership? The Smarter Way to Fund a Rental Property Down Payment

    Loan or Partnership? The Smarter Way to Fund a Rental Property Down Payment
    2026/07/13
    🎧 Loan or Partnership? The Smarter Way to Fund a Rental Property Down Payment What should you do when you find a strong rental property deal but do not have enough money for the full down payment? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby answer a listener's question about using a friend's money to complete a real estate purchase. Should the money be structured as a loan with interest, or should the investor bring the friend into the deal as a joint venture partner? Wayne breaks down the questions that need to be answered before choosing either option, including how the loan would be secured, whether the payments are sustainable, how the lender would be repaid, whether the mortgage lender permits borrowed down-payment funds, and how the responsibilities and profits would be divided in a partnership. They also explain why borrowing the down payment can quickly eliminate the cash flow from an otherwise profitable rental property—and why a properly structured partnership may offer a safer path to growing a larger portfolio. 🧠 What You'll Learn The difference between borrowing down-payment money and forming a partnershipWhy the most profitable-looking option may not be the safestHow a private loan should be securedWhat collateral may protect the person lending the moneyWhy the interest cost must be included in the property's cash-flow analysisHow monthly loan payments can increase investment riskWhy every borrowed down payment needs a clear repayment strategy Whether banks allow borrowed funds to be used for a down paymentWhy lenders need to know the source of the investor's fundsHow long-term partnerships differ from short-term loansWhy trust is essential when partnering with a friendHow responsibilities and decision-making authority should be dividedWhy detailed joint venture agreements are necessary What both partners should understand before going on a mortgage togetherWhy loans may work better for short-term value-add projectsWhy partnerships are often safer for long-term buy-and-hold propertiesHow joint ventures can help investors scale beyond one property 📊 The Cash-Flow Example Wayne uses a simplified example of a $200,000 Edmonton townhouse requiring a $40,000 down payment. If the property produces approximately $500 per month in cash flow, but the investor borrows the $40,000 at 15% annual interest, the interest payment would also be approximately $500 per month. That means the property's entire cash flow could be consumed by the cost of borrowing the down payment—before accounting for repairs, vacancies or unexpected expenses. 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have used joint venture partnerships for more than a decade to grow their rental property portfolio. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help investors analyze deals, structure partnerships, reduce risk and build sustainable real estate businesses. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Book a one-on-one coaching call, explore courses or learn more about joint venture investing: 🌐 www.reimasters.ca Learn how to measure rental property cash flow with Wayne's book: The 5% Rule™: A Cash Flow Test for Canadian Real Estate Investors Available on Amazon. Have a real estate investing question you would like answered on the show? 📧 info@reimorningshow.com The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour 🤝 Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. 🌐 www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. 🌐 www.kbmortgages.ca 📧 keaton@kbmortgages.ca
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    1 時間 18 分
  • Why We're Betting Big on Edmonton Garden Suites

    Why We're Betting Big on Edmonton Garden Suites
    2026/07/15
    🎧 Why We're Betting Big on Edmonton Garden Suites Edmonton garden suites may be one of the strongest real estate investing opportunities in Canada right now—but only if the numbers, property, layout, financing and strategy are handled properly. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby explain why they are betting big on Edmonton garden suites, and more specifically, multi-unit garden suites. Wayne shares the backstory of spending nearly two years researching, testing, designing and refining the strategy before bringing it to investors. They discuss why Edmonton is uniquely positioned for this opportunity, why affordable land matters, how strong rents support the investment, and why the City of Edmonton's current support for gentle density creates a window of opportunity. They also explain why a traditional one-unit garage suite may not always produce the strongest numbers, why multi-unit garden suites can create significantly more income, and how moving a property into the five-plus-unit category can change the valuation conversation. This episode also compares garden suites to basement suites and older multifamily apartments, highlighting why above-grade, private, newly built rental units may be more desirable for many tenants. 🧠 What You'll Learn Why Wayne and Gabby are focused on Edmonton garden suitesWhy Edmonton is one of the best markets for this strategyHow affordable land helps make the numbers workWhy Calgary does not currently offer the same opportunityWhy City of Edmonton zoning and density rules matterWhy this may be a limited window for investorsHow garden suites can create strong monthly cash flowWhy cash flow is a key risk mitigatorHow garden suites compare with basement suitesWhy above-grade rentals may be more attractive to tenantsWhy older multifamily buildings are not always the best competitionHow tenant profile and location affect demandWhy multi-unit garden suites can perform better than single garage suitesHow five or more units can change the valuation approachWhy forced appreciation is a major part of the opportunityHow a four-unit garden suite can create significant equityWhy getting the right guidance, design and builder mattersHow Edmonton Garden Suites Ltd. is helping investors build these projects 💡 Featured Strategy: Multi-Unit Garden Suites Wayne explains that the opportunity is not simply about building one garage suite in a backyard. The larger opportunity is in designing the property so it can support multiple rental units, potentially bringing the total number of units on the property to five or more. That can create: More monthly rental income Stronger cash flow Better use of existing landMore attractive tenant options Potential forced appreciationA stronger long-term investment asset Wayne also explains why this strategy requires the right lot, the right layout, the right construction costs, the right rents and the right market. 🏡 Edmonton Garden Suites 101 Wayne and Gabby are hosting an in-person workshop in Edmonton for investors who want to learn more about this strategy. They will cover lot requirements, financing, construction considerations, rental demand, investor numbers, and how to determine what may be possible on a residential lot. Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 You can also learn more about available models and book a consultation through Edmonton Garden Suites Ltd.: 🌐 www.edmontongardensuites.com 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio while developing strategies focused on cash flow, forced appreciation, risk reduction and long-term wealth building. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help investors learn how to find better deals, structure investments properly, raise capital, manage properties remotely and build sustainable real estate businesses. 💡 Resources & Contact Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Learn how to self-manage your rental properties remotely through the REI Masters Remote Property Management Course: 🌐 www.reimasters.ca Have a real estate investing question you would like answered on the show? 📧 info@reimorningshow.com The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REIcon: The Summit Series September 11–13, 2026 Hosted by Calvin Realty 🌐 https://reiconference.ca/ 🤝 Sponsors Calvin Realty – Edmonton ...
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    1 時間 16 分
  • What to Do When Your Rental Property No Longer Cash Flows

    What to Do When Your Rental Property No Longer Cash Flows
    2026/07/15
    🎧 What to Do When Your Rental Property No Longer Cash Flows What should you do when a rental property that once made sense no longer cash flows? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby answer a listener email from a newer investor who bought properties that no longer produce positive cash flow after rents dropped. The listener was told by their previous coach to simply sell and start over, but selling now could potentially mean accepting a major loss. Wayne breaks down why selling is not always the best first move, how to think through the numbers, and what creative options may help an investor ride out a difficult period without immediately locking in a loss. This episode covers the importance of buying properties with strong cash flow from day one, why cash flow should be treated as a risk cushion rather than income, and how investors can use tools like rent optimization, separate garage rentals, pet rent, mortgage re-amortization, skip payments, secondary suites, or even multi-unit garden suites to improve a struggling property's position. 🧠 What You'll Learn Why some rental properties stop cash flowingWhy selling immediately may lock in a lossHow to think through equity, mortgage paydown and transaction costsWhy cash flow is your protection against rental market changesHow lower rents can expose weak investment fundamentalsWhy the 5% Rule™ matters when buying rental propertiesHow to decide whether to sell or hold a struggling propertyWhy time can help real estate recover if you can ride out the stormHow rent cycles and vacancy rates affect investors Creative ways to increase income on a propertyHow renting a garage separately may help cash flowWhy allowing pets and charging pet rent may be worth consideringHow mortgage re-amortization can reduce monthly paymentsHow skip payments may offer temporary relief When adding a basement suite may help When adding a garden suite may protect a weak propertyWhy multi-unit garden suites can create a stronger cash-flow cushionHow to avoid repeating the same mistake on future purchases 📊 Key Lesson From the Episode Wayne explains that a rental property loss is not fully realized until the property is sold. If an investor sells during a bad moment, they may lock in a major loss. But if they can safely hold the property, rents may recover, the mortgage may continue to pay down, and property values may rise over time. The key is whether the investor has enough cash flow, reserves, income or creative options to survive the difficult period. 💡 Possible Solutions Discussed Wayne and Gabby walk through several possible ways to relieve pressure on a property that no longer cash flows: Review whether the rent is truly at market valueRent the garage separately if appropriate Consider allowing pets and charging pet rent Re-amortize the mortgage to reduce monthly paymentsAsk the lender about skip-payment optionsAdd a basement suite if the numbers support itAdd a garden suite or multi-unit garden suite if the lot and numbers work Hold long enough for mortgage paydown, rent growth and market recovery None of these are one-size-fits-all solutions. The correct answer depends on the property, financing, equity, rental income, market value and the investor's ability to carry the shortfall. 👥 About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and real estate investing coaches based in Edmonton, Alberta. They have built and self-managed a growing rental property portfolio using simple fundamentals, strong cash-flow analysis, creative deal structuring and long-term thinking. Through REI Masters and the Canadian Real Estate Investing Morning Show, they help investors avoid costly mistakes, analyze deals properly, manage risk and build sustainable real estate portfolios. 💡 Resources & Contact Want Wayne to look at your deal or help you work through a property that is not performing? Book a one-on-one coaching call: 🌐 www.reimasters.ca Want to be coached personally by Wayne and Gabby? Join the REI Masters Mentorship Program: 🌐 www.reimasters.ca Learn how to measure rental property cash flow with Wayne's book: The 5% Rule™: A Cash Flow Test for Canadian Real Estate Investors Available on Amazon. Have a real estate investing question you would like answered on the show? 📧 info@reimorningshow.com The Canadian Real Estate Investing Morning Show broadcasts live every weekday morning on YouTube. 📅 Upcoming Events Edmonton Garden Suites 101 Edmonton, Alberta July 25, 2026 www.reimasters.ca/edmontongardensuites101 REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour REIcon: The Summit Series September 11–13, 2026 Hosted by Calvin Realty 🌐 https://reiconference.ca/ 🤝 Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team 🌐 www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax ...
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    1 時間 13 分
  • How To Make Fast Cash In Real Estate With Virtually No Risk

    How To Make Fast Cash In Real Estate With Virtually No Risk
    2026/06/29
    🎧 How To Make Fast Cash In Real Estate With Virtually No Risk How real estate wholesaling works and why it can be one of the fastest ways to generate active income from real estate. A 23-year-old listener recently wrote to Wayne and Gabby with a simple question: What is the fastest way to make money in real estate? The listener is ambitious, has time available and wants to begin earning money now so that it can be invested for the long term. In today's episode, Wayne and Gabby explain why the speed of a real estate strategy usually increases its risk. Flipping properties, relying on private financing and using highly leveraged creative strategies can generate money quickly, but they can also create major problems when the market changes or something goes wrong. There is one strategy that can allow an investor to earn active income without personally purchasing the property: real estate wholesaling. Wholesaling involves finding a strong real estate opportunity, securing the property under a purchase contract and then assigning the rights under that contract to another investor for a fee. The wholesaler is not selling the property. The wholesaler is assigning the contractual right to purchase the property at the agreed price. For example, imagine a wholesaler secures the right to purchase a property for $320,000 when its market value is approximately $400,000. Another investor may happily pay the wholesaler a $5,000 assignment fee to take over that purchase contract. The end buyer receives a property for approximately $325,000 that may be worth $400,000. The wholesaler earns $5,000 for finding, negotiating and securing the opportunity. The seller receives a solution that fits their circumstances. When structured correctly, everyone can benefit. Wayne explains that wholesaling is one of the ways he continues to generate additional business revenue without actively operating as a full-time wholesaler. When he finds an excellent property that does not fit his current capacity or portfolio, he may assign the opportunity to another investor who is already looking for that type of deal. However, Wayne and Gabby emphasize that wholesaling is not simply about locking up random properties and hoping somebody buys them. Successful wholesalers begin with the end buyer. Before searching for properties, the wholesaler should build relationships with active investors and learn exactly what those investors want to purchase. That may include: Suited houses in Calgary Fix-and-flip properties in Red Deer Family rentals in Edmonton Specific neighbourhoods Specific price ranges Specific renovation opportunities A minimum amount of equity or cash flow Once the wholesaler understands what buyers want, the business can be reverse-engineered to find those specific opportunities. This is where many new wholesalers fail. They become excited about marketing, knocking on doors, negotiating deals and writing contracts before building a reliable network of buyers. A great deal is only valuable to a wholesaler if there is a qualified investor prepared to purchase the assignment. Wayne and Gabby also explain that wholesalers are often solution providers. They may work with property owners dealing with situations such as: Divorce Job loss Financial pressure Inherited properties Major property damage Properties that need extensive repairs Sellers who need a faster or simpler transaction Homes that may be difficult to list traditionally A responsible wholesaler identifies the seller's problem, creates a workable solution and connects the opportunity with an investor capable of completing the purchase. The episode also discusses the earning potential. A casual wholesaler may earn a few thousand dollars from an occasional assignment. An active wholesaler with strong systems, consistent lead generation and a trusted network of buyers may build a six-figure business. Some of the largest wholesaling companies operate with teams, marketing departments, sales systems and assignment revenues reaching significantly higher levels. But the opportunity is not automatic. Wholesaling requires education, contracts, sales ability, marketing, negotiation, follow-up, relationship-building and a strong understanding of local real estate laws. Rules surrounding assignments, deposits, disclosures and real estate trading can vary across Canada. Anyone pursuing the strategy should understand the requirements in their province and receive proper legal and professional guidance. The biggest message for young investors is to focus. Ambitious beginners often try to learn every real estate strategy at once. They begin wholesaling, flipping, raising capital, analyzing multifamily properties and searching for rental properties without finishing any one strategy. Wayne explains that success usually comes from focusing your energy on one objective, mastering it, completing it and eventually creating systems around it before moving to the next ...
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    1 時間 7 分