Beat The Banks With Kyle Green

✍️ By Debbie Balfour | WBN News |Feb 12, 2025 | Click HERE for your FREE Subscription to WBN News and/or to be a Contributor.

If you’re a real estate investor staring down a mortgage renewal in the next 12–24 months, this isn’t just another podcast episode; it might be your financial wake-up call. Rising rates, tougher lending rules, and shrinking cash flow are putting serious pressure on even experienced investors. Ignoring it isn’t a strategy.

That’s why I sat down with Kyle Green, a rockstar real estate investor and mortgage strategist who has funded over $1.5 billion in mortgages for investors. In our latest episode of Let’s Talk Real Estate Investing, Kyle pulls back the curtain on how banks really think, what’s changing in the renewal and refinance world, and how investors can protect their portfolios instead of panicking.

Watch the full interview here:

Kyle didn’t just grow a big mortgage business; he built a system. He shares how breaking the mortgage process into repeatable steps allowed his team to deliver consistent, above-average service while freeing up his time for strategy and investing. That same systems-first mindset can be applied directly to your real estate business so you’re not glued to every tiny task.

One of the most powerful parts of our conversation was how Kyle handled the short-term rental ban that hit his seven-unit building in Victoria. Overnight, the numbers stopped working. Instead of walking away, he and his partners dug into zoning, legal non-conforming rights, and hotel use. The solution wasn’t quick or cheap, but it transformed a potential disaster into a long-term hotel strategy with real upside.

We also talked about cash flow in today’s environment. Kyle explains when it makes sense to refinance to extend amortization, when simply renewing is the smarter move, and why consolidating high-interest debt into your mortgage can buy you the staying power you need. He also breaks down how lines of credit, re-advanceable mortgages, and tax-deductible interest can become powerful tools instead of silent killers.

For newer investors, Kyle’s top advice is simple but confronting: don’t build your entire thesis on appreciation. Focus on cash flow, understand the tax implications of your financing, and create an actual game plan you can execute. Information is everywhere; it’s systems and action that separate the investors who survive from the ones who are forced to sell at the worst possible time.

If renewals, regulations, or negative cash flow have you second-guessing your next move, this episode will give you both context and clarity. You’ll walk away with practical moves you can make now, and a deeper understanding of how to set up your financing so your future self isn’t boxed into a corner.

Debbie Balfour | Real Estate Investing Success Coach + Podcast Host
📍 Website: www.DebbieBalfour.com
📧 Email: Debbie@DebbieBalfour.com
🔗 LinkedIn: Debbie Balfour
▶️ YouTube Channel: youtube.com/@DebbieBalfour

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