Bryce Kander Red Deer Realtor & Investor · RECA #0911714
Central Alberta Holdings · Operator File
Red Deer, AlbertaFile No. 0911714

Seventeen doors, built on the record. Not a course. A working portfolio you can read line by line.

A licensed Red Deer Realtor and active investor — not an imported guru. This is the file: the holdings, the Canadian-only financing they were built with, and the 7,800-member Central Alberta network behind them.

Holdings Ledger Central Alberta portfolio
Reading file
RefRegionInstrumentStatus
17 / 17 doors held — 7 acquired on ≈ $10K total down.
Operator-file template · strategy tags representative of Bryce's real instrument mix. Verified per-property records held privately under RECA #0911714. Not financial advice.
§ 02Memorandum · File 0911714

The reason this file exists.

Operator's Letter
Bryce Kander · Red Deer, Alberta · Central Alberta Holdings
To
The next operator — the one starting with more grit than capital
From
Bryce Kander, Realtor & investor, Red Deer AB
Re
Seventeen doors, and why I run the network around them
Bryce Kander, Red Deer Realtor and investor
Bryce Kander
Red Deer, AB · RECA #0911714

I bought my first house at thirteen. Not as a stunt — because I'd already worked out that the people who got ahead in this town owned things, and the people who didn't, rented them. That math never left me.

Years later, the file looks different. Seventeen doors across Central Alberta, built mostly with other people's money and Canadian financing the U.S. coaches on your feed have never used. Seven of them I picked up for roughly $10,000 of my own money — total, combined — by stacking vendor take-backs, agreements for sale, and the right insured-mortgage moves in the right order.

I'm not interested in selling you a fantasy with a rented Lamborghini parked out front. I'm a licensed Realtor here. My name is on a regulator's roll, my properties are on title, and my numbers hold up when someone reads them line by line — which is exactly what this page lets you do.

The reason I built the network — now 7,800 members strong — is simpler than the strategy. I started alone, made every avoidable mistake, and decided the next person through the door shouldn't have to. That's the whole offer: real instruments, a real portfolio, and a room full of Albertans doing this for real.

Bryce Kander
Founder · Central Alberta Holdings & the Network
Realtor & investor, Red Deer AB · RECA #0911714
§ 03Exhibit A · Schedule of Holdings

The portfolio, on the record.

Seventeen doors held across Central Alberta — the same ledger from the cover, opened in full. Financing tags are representative of the real instrument mix; verified per-property records are held privately under licence.

Exhibit A — Schedule of Holdings
Central Alberta · long-term hold · as on file
On the record
17
Doors held
7on ≈$10K↓
Acquired near-zero down
6
Financing instruments
100%
Currently held
Distribution by financing instrument
RefInstrumentAsset classMechanismAcquisitionStatus
17 / 17Doors held4 classes6 instruments7 on ≈$10K↓All held
Note — Seven of the seventeen doors (tagged ≈$10K↓) were acquired for roughly $10,000 of Bryce's own capital in total, combined across those properties, not per door. Instrument and asset-class tags above are representative of his real mix; exact per-property structures, prices and dates are held privately under RECA #0911714. Not financial advice.
A quiet Central Alberta residential street at golden hour — the modest single-family homes and small multi-family doors that make up Bryce's market.
Plate I · Central Alberta The market, on the ground — Red Deer & area
§ 04Definitions · The Playbook

Six Canadian instruments
a U.S. coach can't teach you.

The tools the seventeen doors were actually built with — defined plainly, with an honest note on how each does, or doesn't, translate south of the border. These run on Canadian rules: CMHC, provincial law, and our lending market.

Figure 1 — Cash to close, by route Down payment as % of purchase
Conventional AB rental uninsured, bank-funded~20%↓
Owner-occupied, insured live-in, then move onfrom 5%↓
MLI Select multi-unit CMHC points programfrom 5%↓
0%5%10%15%20%25%
Illustrative — general published program parameters, not the terms of any specific deal. Qualification, rates and limits vary; figures shown to contrast routes, not to quote one.
01MLI SELECT
MLI Select
CMHC · multi-unit mortgage insurance

Canada Mortgage and Housing's points-based program. Hit thresholds for energy efficiency, affordability and accessibility and you unlock higher leverage, amortizations up to 50 years, and down payments as low as 5% on qualifying multi-unit buildings.

Canada-onlyA CMHC program. There is no U.S. equivalent — it doesn't exist south of the border.
02VTB
Vendor Take-Back
Seller-carried second mortgage

The seller carries part of the purchase price as a loan back to you, registered behind the first mortgage. It closes deals a bank won't fully fund and shrinks the cash you bring to the table — the workhorse behind several of the seventeen.

Different hereSeller financing exists in the U.S.; the Canadian structuring, registration and tax treatment do not transfer.
03AFS
Agreement for Sale
Title transfers on payout

You take possession and pay the seller directly over time; legal title only transfers once the balance is cleared. A Prairie workhorse for buying from owners who would rather be the bank than list on the open market.

Western CanadaAn Alberta and Prairie instrument — rare in U.S. residential practice and governed by provincial law.
04RTO
Rent-to-Own
Tenant-to-buyer pathway

A tenant rents with a contracted option to purchase later, with a portion of each month's rent credited toward their down payment. It seats a motivated buyer in the property while their financing comes together — and keeps the door cash-flowing.

Different hereLease-options exist in the U.S.; the version that clears Canadian lending and consumer rules is its own animal.
05BRRRR
BRRRR
Buy · Renovate · Rent · Refinance · Repeat

Buy under market, force value through renovation, rent it, then refinance to pull your capital back out and redeploy it into the next door. Done right, the same dollar buys more than one building.

Canadian mathThe play is universal; the refinance math — stress test, 80% LTV, CMHC rules — is distinctly Canadian.
065%↓ STACK
5%-Down Stacking
Insured-mortgage minimums, sequenced

Use Canada's low insured-mortgage minimums deliberately — owner-occupy, season the property, refinance, and repeat — to add doors without writing a 20% cheque every single time. Sequence is everything.

Insured-mortgageBuilt on Canada's insured-mortgage minimums and the order they can be stacked in here.
§ 05The Register · Membership

The moat isn't the doors.
It's the room.

Anyone can copy a strategy. Nobody can copy a 7,800-strong network of Albertans buying real property in the same market — the deal flow, the contractors, the lenders who already know the playbook.

7,800
Members on the register

Free to join, and built on purpose. I started this alone and decided the next operator shouldn't have to — so the network is where the file stops being a webpage and becomes a room of people doing the work.

Central AlbertaHome market
FreeTo join
7,800And growing
The register, filling 1 mark = 25 members · 312 marks = 7,800
Each mark = 25 members. The lit edge — indigo — is this season's joins; you'd join right at the front. On the register Joined recently You
§ 06Schedule of Fees · All prices CAD

Start free.
Climb only if it's working.

A straight ladder — the first rung costs nothing but thirty minutes. Everything is priced in Canadian dollars, the way it'll appear on your statement.

Schedule of Fees
Entry to flagship · all amounts in CAD
Start at $0
00 Intro call & property evaluationStart here A 30-minute call plus a free evaluation of a property you're weighing. Your numbers, no pitch. 30-min call Free
01 The Operator's Brief The starting playbook in writing — the instruments, the order, and the first moves, as a digital download. Digital · PDF $19CAD
02 Financing Workshop A recorded deep-dive on Canadian financing — how to fund a first or next door with little money down. Recorded $97CAD
03 Central Alberta Playbook The full course — sourcing, structuring and holding doors in this market, start to finish. Full course $197CAD
04 1-on-1 MentorshipFlagship Work directly with Bryce on your own deals — structure, financing and the decisions that actually move the portfolio. Direct · 1-on-1 $2,497CAD
05 Inner Circle Done-with-you partnership plus the inner room of the network — for operators scaling past their first door. Done-with-you $5,997CAD

Begin with the free call. Thirty minutes, your numbers, and an honest read on the next move — before anything is priced.

Book the free call