🎧 Is It Too Late to Start Investing at 63? + Toronto’s New Rental Renovation License Bylaw
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today’s episode dives into two big conversations that matter for Canadian real estate investors. First, we answer a listener’s powerful question: “Am I too late to start investing at 63?” We break down the math, the risks, and the realities of starting later in life — plus strategies to safely supplement retirement using rental properties.

Then, we turn our attention to Toronto’s brand-new Rental Renovation License Bylaw. This sweeping regulation is aimed at stopping renovictions, but it places major costs, restrictions, and penalties on landlords. We unpack what the bylaw means, the rights it gives tenants, and why Ontario remains one of the most difficult provinces for landlords.

🧠 What You'll Learn in This Episode

• Whether it’s realistic to start building a rental portfolio in your 60s

• How cash flow, equity, and timelines affect retirement-focused investing

• Why four rental properties may or may not be enough for retirement income

• The difference between mentorship vs. coaching when it comes to investing support

• Why Ontario’s new bylaw penalizes good landlords along with bad ones

• What the $700 per-unit license, tenant rights, and penalties mean for Toronto investors

• The long-term risks of investing in provinces that don’t support landlords

• Why Alberta continues to be the most landlord-friendly market in Canada

👥 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 Numbers: 13267 and 13268

Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Most people live life on autopilot—following the same path, making the same choices, and ending up in the same place year after year. In today’s episode, Wayne and Gabby dive deep into the pivotal moments that truly change the trajectory of your life and your investing journey. From quitting jobs, to homeschooling decisions, to chance encounters that led to lifelong partnerships—this episode will push you to rethink whether you’re actually steering your life, or just drifting downstream.

This is about courage, control, and the reality that not making a decision is still a decision. If you’ve ever felt stuck in your job, your routine, or your investing path, this episode may just be your wake-up call.

• Why most people stay “floating in the river” and never take control of their future

• The difference between subconscious autopilot choices and conscious life-changing ones

• How Wayne & Gabby made the bold decision to homeschool their daughter in just 15 minutes

• Real stories from listeners about life-altering moves that changed everything

• The concept of “Nexus events” (Marvel fans will love this!) and how they apply to real estate and life

• Why fear of the unknown keeps investors stuck—and how to push past it

• How to use pivotal moments to redirect your real estate investing journey

• The secret sauce to success: making firm, final decisions and following through

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.

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

🏠 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 Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today’s episode dives into one of the most common questions real estate investors face: should you pay off your mortgages and enjoy the security of free-and-clear properties, or should you refinance, access equity, and reinvest to grow your portfolio? Wayne and Gabby share real-life examples, talk through the math, and discuss how different goals, stages of life, and investing mindsets affect the decision.

• Why investors struggle with the refinance vs. pay-off decision

• How equity can be “dead money” if it isn’t working for you

• The importance of calculating your return on equity (ROE)

• When refinancing makes sense and when it doesn’t

• The risks of overleveraging and how to avoid them

• The role of the 5% Rule™ cash flow test in protecting your portfolio

• Why cash flow matters more at different stages of life

• How lifestyle choices, mindset, and long-term goals shape your decision

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.

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

🏠 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 Stories & Market Insights with Calvin Hexter
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today’s episode is packed with real-life stories from Edmonton’s real estate market. We’re joined by Calvin Hexter, investor-focused realtor and host of the upcoming Real Estate Investor Conference (REIcon), to share some of the wildest experiences he’s had in the business. From unexpected tenant challenges to hidden surprises inside properties, this episode highlights what can really happen when you invest in Edmonton.

Wayne and Gabby also share recent struggles with inherited tenants and how poor communication can make or break landlord–tenant relationships. If you’re interested in Edmonton investing, this episode gives you the stories, lessons, and strategies that don’t always make it into the textbooks.

🧠 What You'll Learn in This Episode

• Why “boring” investing is often a sign of success

• The risks of buying properties with inherited tenants

• How poor communication from tenants can backfire

• A story of tenants blocking access and demanding reimbursement for renovations

• A fix-and-flip project where a handgun was found hidden in the vents

• How a listing error turned into a profitable surprise basement suite

• The difference between legally suited homes and up/down duplexes

• Why Edmonton’s investor desirability map is a game-changer

• What to expect at REIcon 2025 — from networking to awards to the live Morning Show

👥 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

🎟 Register for REIcon (Sept 6–7, 2025 in Edmonton): www.reiconference.ca
Use promo code REIMASTERS for your ticket discount.

🤝 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

🎧 Red Deer Real Estate Market Is One of the Most Popular Markets in Canada | Guest: Krystal Kromm
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today’s episode takes us straight into the heart of Alberta’s real estate investing scene — Red Deer. We’re joined by investor-focused realtor and local expert Krystal Kromm, who shares stories of helping out-of-town investors successfully purchase and tenant properties in one of Canada’s fastest-growing investment markets.

We also cover a surprising tenant story, lessons in landlord communication, and why Red Deer continues to stand out as one of the strongest markets for cash-flowing rentals that meet the 5% Rule™.

🧠 What You'll Learn in This Episode

• Why Red Deer is one of Alberta’s top cities for investors in 2025

• The unique process for out-of-province investors buying in Red Deer

• How Alberta’s landlord/tenant system and tax structure benefit investors

• Key stats on Red Deer’s employment market and tenant profile

• Krystal’s step-by-step system to help investors buy, inspect, and tenant properties remotely

• Why Red Deer is one of the few markets in Canada that meets the 5% Rule™

• Common investor fears (bad neighborhoods, long-distance management) and how to overcome them

• A landlord story on move-outs, damages, and the importance of systems when recovering costs

👥 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

🎧 Breaking Through the Mortgage Wall & BRRRR Financing Realities with Keaton Kirkwood
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today’s episode is packed with truth bombs about financing, scaling your portfolio, and the realities of the BRRRR strategy. Special guest Keaton Kirkwood, investor-focused mortgage broker, joins Wayne and Gabby to break down myths, explain the “mortgage wall,” and give straight answers about fixed vs. variable rates, refinancing rules, and why planning your financing early is critical for long-term success.

🧠 What You'll Learn in This Episode

• What the “mortgage wall” really is — and why the 5–7 property limit is a myth

• The three true barriers to portfolio growth: income, liquidity, and policy

• Why your personal debts and lifestyle can kill your ability to scale

• The pros and cons of fixed vs. variable mortgages for investors today

• How refinancing rules are changing and why BRRRs are slower now

• The traps of trying to pull equity out in under a year

• Why planning with an investment-focused mortgage broker is essential

• How to set long-term goals and reverse-engineer your portfolio 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: 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 Numbers: 13267 and 13268

Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today’s episode, Wayne & Gabby explore the 10 biggest benefits of offering Rent to Own (Lease Options) to tenants. While many investors shy away from this strategy because it seems complicated, when done right, it can become one of the most profitable and lowest-risk real estate models available.

🧠 What You'll Learn in This Episode

• How rent-to-own creates long-term, committed tenants

• Why tenant-buyers take better care of properties than renters

• The advantage of charging above-market rent

• How option fees generate upfront income and security

• Why locking in a sale price protects investors

• How rent-to-own reduces vacancy risk

• The benefit of attracting higher-quality tenant pools

• How to shift repairs and maintenance to tenants

• Built-in exit strategies for predictable profits

• Why rent-to-own is a true win-win, helping families achieve homeownership

👥 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 Numbers: 13267 and 13268

🎧 Can You Retire from Your Job by Buying Multifamily Properties?
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Can you really retire from your job just by buying multifamily real estate? In today’s episode, Wayne and Gabby break down the math behind this popular belief and compare it to last week’s discussion on replacing your income with suited houses. They walk through how much capital, how many doors, and how many tenants you’d realistically need to generate $10,000 a month in cash flow. Along the way, they share fresh insights from the 2025 REI Masters Mentorship Retreat, highlight the role of community in achieving results, and discuss why cash flow alone isn’t the magic solution for financial freedom.

🧠 What You'll Learn in This Episode

• The real math behind retiring from your job with multifamily investing

• How many doors and how much capital it actually takes to reach $10K/month cash flow

• Why economies of scale in multifamily aren’t the “magic bullet” many claim

• Key differences between suited houses and multifamily investing

• Why rental property cash flow isn’t the best short-term income replacement

• Insights and takeaways from the 2025 REI Masters Mentorship Retreat

• The importance of community, accountability, and building a support system

• Why real estate is a long-term wealth builder—not a get-rich-quick strategy

👥 About Your Hosts
Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies.
New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice.

💡 Resources & Contact
Learn about our Mentorship Program: www.reimasters.ca
Bookkeeping & Tax help: www.finngo.com/rei
Submit a question: info@reimorningshow.com

🤝 Thanks to Our Sponsors
🏠 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.