🎧 How to Buy Real Estate With No Money Down in Canada (Using Agreements for Sale)

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

Today's episode dives deep into one of the most misunderstood but powerful creative strategies in Canadian real estate: Agreements for Sale (AFS) — the Canadian version of seller financing.

If you've been watching American influencers talk about SubTo and wondering why it doesn't work the same way in Canada, this episode breaks down exactly why — and what does work instead.

Wayne also shares a real zero-money-down case study that generated an infinite ROI and explains how Canadian investors can legally & safely structure AFS deals without putting themselves — or sellers — at risk.

This is a must-listen episode if you want to scale when you're out of capital or can't qualify for more mortgages.

🧠 What You'll Learn in This Episode

• Why SubTo works in the U.S. but not in Canada

• Exactly how Agreements for Sale work under Canadian law

• How sellers benefit from AFS even when they have little to no equity

• Why lenders' due-on-sale clauses create challenges in Canada

• The real risks of doing seller-financing wrong (and how scammers exploit new investors)

• A full walkthrough of Wayne's zero-down, infinite-ROI AFS deal

• How to acquire properties without qualifying for a mortgage

• Why motivation matters more than equity when finding AFS opportunities

• What happens when the seller's mortgage renews mid-term

• How to position yourself so people bring you creative financing leads

👥 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, agreements for sale, joint ventures, and other creative 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 real estate investors: www.finngo.com/rei Submit a question: [email protected]

📘 Get the 5% Rule™ Book

Get the 5% Rule™ book on Amazon: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors 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 📧 [email protected] 🔗 Facebook

🏗️ Calvert Home Mortgage Investment Corporation

📞 403-278-0249 📧 [email protected] 🆔 FSRAO License Numbers: 13267 and 13268