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RESET YOUR HUSTLE. 

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

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

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📝 700-Word Blog Post (SEO-Optimized)

If 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.

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🔑 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.

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💡 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 + equity

This is how you build passive income and generational wealth without ever stepping foot in a bank.

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💡 Genius Way #2: Acquire and Flip with a Wrap

Another 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.

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🚫 Why This Beats Traditional Investing

• ✅ No credit checks

• ✅ No loans

• ✅ No banks

• ✅ Fast closings

• ✅ More control

• ✅ Built-in equity and cash flow

And the best part? You help motivated sellers get out of bad situations and help buyers become homeowners who otherwise couldn’t qualify.

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🔥 Ready to Learn and Earn?

If you're ready to learn how to do wraparound deals like this step-by-step and build real wealth without debt slavery, I’ve got something special for you:

👉 Check out The New Flip – a smart game that teaches you how to make money flipping bikes today while learning skills that apply to wholesaling, seller financing, and wrap deals:
📘 Get the Book & Game at: http://www.TheNewFlip.com

🚀 Want to go deeper and learn how to structure these deals in real life? Join my 1-on-1 reboot coaching and let me help you create your first or next real estate payday with no bank loans:
👊 Apply at: https://MyRealEstateDojo.com

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📌 Final Thoughts

You don’t need to be rich. You don’t need to borrow money. And you definitely don’t need a 700+ credit score. What you need is a creative mind, the right strategy, and the courage to take action.

Wraparound mortgages are the new way to win in real estate — and it’s time you learn how to play.

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🔗 Learn More:

• www.MyRealEstateDojo.com

• TheNewFlip.com

• YouTube.com/MyRealEstateDOJO

• 📲 Text me your questions: (720) 722-0708

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📣 Call to Action:

Don’t wait. Learn how to flip bikes and scale into real estate deals without debt.
👉 Start your journey today at http://www.TheNewFlip.com

3 Things That Will KILL Your Entrepreneur Dreams (Avoid These!)

21-DAY DEAL REBOOT™

NEVER Say This When Negotiating – It KILLS the Deal!

💰 #1 – The New Flip This 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 – REBOOT This 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/reboot 🎓 Unlock Creative Financing Secrets 💰 Free SubTo Course – Learn how to buy houses without banks, credit, or big cash 👉 https://myrealestatedojo.com/subto/start-now/ 📣 Ready to Elevate Your Hustle? 👥 Join Our Free Community – Connect with real estate investors & business owners just like you 👉 www.MrNoFluFF.com/group 📚 Master the Game 🧠 Books & Courses – Go deep on Subject-To, Seller Financing, and advanced investing strategies 👉 https://myrealestatedojo.com/subto/courses/ "Hey, Dojo! In today’s video, I’m going to show you two deadly negotiation mistakes that can instantly kill your deal — whether you're buying real estate, a used car, or even flipping a bicycle! I’ve done it all — sold ATVs, trucks, real estate, you name it — and I’ve seen these same mistakes ruin deals over and over again." "If you’re trying to get a great price but you say either of these two things — you might as well light your cash on fire. Stay with me, because at the end of this video, I’ll tell you exactly what to say instead to close more deals, get massive discounts, and build real trust with sellers." 🚫 MISTAKE #1: Dissing the Property "Mistake number one: talking trash about the product or property." "Let’s say you’re buying a car. Most buyers say things like: ‘Oh, the paint is fading…’ ‘This truck’s too big for me…’ ‘There’s a dent over here…’ What are they really trying to do? Negotiate the price. But here’s the truth…" "That NEVER works. When you start criticizing the item, all you're doing is making the seller defensive. You're not negotiating — you’re insulting. You're saying, ‘What you own is garbage, so give it to me cheaper.’" "I’ve sold big rigs, cars, businesses, and even real estate — and the moment someone came at me like that, my mental wall went up. I’m thinking: ‘You drove 4 hours from Houston for this deal, and now you’re trying to lowball me by disrespecting what I built?’" "I had people show up to buy one of my trucks during my massive liquidation sale. I was selling stuff at 10–20 cents on the dollar after being betrayed by my own family. And even then — people showed up saying, ‘It’s automatic? I wanted stick.’ ‘It’s got scratches.’ ‘I’ll have to replace the bed.’ And guess what? I didn’t want to sell to them." 🚨 MISTAKE #2: Attacking the Seller’s Ego "Mistake number two — and this is even worse — is attacking the seller’s ego." "When you diss their property, some sellers will take it personally — especially if that house, car, or truck represents years of hard work, memories, or sacrifice." "As an investor, I’ve seen people inherit homes after a death in the family, go through divorce, or in my case — after betrayal from people I loved and built my businesses for. Selling wasn’t just business… it was emotional." "When someone walks in and trashes what you’ve built — it’s like they’re saying you are worthless. And when that happens, even if your offer was good, the seller is done. You’ve lost the deal." "In negotiation, you’re not just talking numbers. You’re dealing with pride, ego, and emotion — and if you bruise that, game over." ✅ WHAT TO DO INSTEAD "Now — here’s what to do instead." Start with compliments. “This is a solid machine. I like the way you kept it up.” “You really took care of this property — that’s clear.” Build rapport first. Ask about their story: “What made you decide to sell?” “How long have you owned this?” Let them talk. The more they talk, the more you learn — and the easier it is to find their motivation without disrespecting their asset. Negotiate with logic, not emotion. Say things like: “Based on what I need to fix, I’m looking at $X to make this work. Does that sound fair?” “Here’s what I can do today — no bank, no delay, just a clean deal.” "That’s how you win the deal without burning the bridge. You walk away with a property, car, or business — and they walk away respected. That’s how I’ve done hundreds of deals." "Quick recap before we go: Never diss the property. It makes you look desperate and rude. Never attack the ego. Sellers are human — you bruise their pride, you lose the prize." "If you flip bikes, houses, or negotiate with motivated sellers, this tip will save you thousands. The real pros don’t use punches — they use precision."