🎧 Fix & Flip Financing: Understanding Private Mortgage Fees | Real Estate Investing Canada | Alberta
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier
In today’s episode, Wayne and Gabby are joined by Ryan Day from Calvert Home Mortgage to unpack how private lending works for BRRRRs and fix & flips in Canada — and what most investors miss when it comes to fees and hidden costs.
They dive deep into what private lenders actually look for, what it really costs to borrow short-term money, and how to protect yourself from expensive mistakes. Whether you're brand new or ready to scale, this episode gives you the behind-the-scenes education most flippers never get.
The episode also includes an important discussion about Alberta’s booming real estate market, why young workers from across Canada are flocking to Alberta, and how interprovincial migration is impacting rental demand, construction needs, and long-term investor strategy.
🧠 What You'll Learn in This Episode:
• What Calvert looks for when approving fix & flip loans
• A breakdown of private lending costs (and what to watch for)
• What hidden fees other lenders charge that you may not notice
• How to qualify for private financing — even if it’s your first deal
• The tool every Canadian flipper should be using (Flip Analyzer)
• Why Alberta is attracting the most young workers in the country
• What it means for rental demand and real estate values in 2025
• Why education and mentorship make you a stronger borrower
Fix & flips are one of the riskiest strategies in real estate — but with the right plan, the right lender, and the right team, they can be one of the most profitable too.
👥 About Your Hosts
Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies.
New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice.
💡 Resources & Contact
Learn about our Mentorship Program: www.reimasters.ca
Bookkeeping & tax help: www.finngo.com/rei
Submit a question: info@reimorningshow.com
🤝 Thanks to Our Sponsors
🏠 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 Number 13267 and 13268