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

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.

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

💡 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.

🚫 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.

🔥 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

📌 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.

🔗 Learn More:

www.MyRealEstateDojo.com
TheNewFlip.com
YouTube.com/MyRealEstateDOJO
📲 Text me your questions: (720) 722-0708
📣 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