2 Genius Ways to Use a Wraparound Mortgage to Get Rich WITHOUT a Bank!

2 Powerful Ways to Structure a Wraparound Mortgage Deal and Make Money Without Using Your Credit💰 #1 – The New FlipThis is the smartest way to start flipping and make money today.I designed The New Flip to teach you negotiation, hustle, and how to spot deals in real life — by flipping everyday stuff like bicycles.It’s how I made my first money while learning skills that helped me crush it in real estate.👉 Grab it at TheNewFlip.com🧠 #2 – REBOOTThis is my personal mindset reset — for hustlers who feel stuck, overwhelmed, or like they’re spinning their wheels.REBOOT will help you rewire your brain to take massive action, overcome fear, and dominate your day.👉 Start your reset at MyRealEstateDojo.com/rebootIf you’re tired of the banks saying “no” or being forced to put your credit on the line, there’s a smarter way to get rich in real estate — without the red tape. It’s called a wraparound mortgage, and it’s one of the most powerful tools savvy investors are using to close deals fast, create monthly cash flow, and build wealth — even if they’re starting with nothing.In this blog post, I’ll break down 2 genius ways you can structure a wraparound mortgage to make serious money without using your own credit or bank loans. Whether you're a newbie or a seasoned investor looking for creative financing solutions, this is a strategy you need in your toolbox.🔑 What Is a Wraparound Mortgage?A wraparound mortgage is a form of seller financing where you, the investor, take control of a house that still has an existing mortgage, and you wrap a new loan around the original one. Instead of paying off the seller's mortgage, you leave it in place — and the seller “carries” the financing to you with a higher interest rate or price. You collect payments from the end buyer, then pay the seller’s original mortgage and pocket the difference.💡 Genius Way #1: Buy on Terms and Sell on Terms (Double Wrap)Let’s say a motivated seller owes $150,000 on their mortgage at 3% interest. They need out fast but don’t want to ruin their credit. Instead of paying them cash or getting a loan, you take over their payments “subject-to” the existing mortgage.You then sell the property on a wraparound mortgage to a new buyer for $200,000 at 8% interest. You didn’t use your credit. You didn’t get a loan. And yet, you control the property and collect monthly payments.🔁 You pay the seller’s mortgage: $1,000/month💰 You receive from your end-buyer: $1,600/month💵 You profit: $600/month cash flow + equityThis is how you build passive income and generational wealth without ever stepping foot in a bank.💡 Genius Way #2: Acquire and Flip with a WrapAnother powerful way to structure a wraparound mortgage is to acquire a property creatively and flip it — not by doing repairs, but by flipping the financing.Let’s say a seller is behind on payments, facing foreclosure, and owes $180,000 on a $220,000 house. You wrap their existing loan, structure a new price and terms with your buyer (maybe $240,000 at 9%), and flip it to someone who can’t qualify at a bank.Your buyer now owns the home and pays you directly. You sell the note, cash out, or collect monthly cash flow — all from controlling paper, not drywall.This is the cashflow without construction model — smart, fast, and scalable.🚫 Why This Beats Traditional Investing✅ No credit checks✅ No loans✅ No banks✅ Fast closings✅ More control✅ Built-in equity and cash flowAnd the best part? You help motivated sellers get out of bad situations and help buyers become homeowners who otherwise couldn’t qualify.