Should Canadian real estate investors refinance their rental properties to reinvest equity, or pay off the mortgage for long-term stability? In this article, Wayne Hillier shares his findings on both strategies, explains how to use the cashflow test to stress test your portfolio, and reveals how his bestselling book The 5% Rule™: A Real Estate Cash Flow Test for Canadian Investors has helped hundreds of investors build storm-proof wealth.

Falling behind on your real estate goals in 2025? You’re not alone—but the year isn’t over yet. In this article, Wayne Hillier outlines 5 key steps every investor can take right now to reset, refocus, and reach the finish line strong.