Wrap Mortgages Done Properly

How To Do A Wrap Mortgage

October 08, 2025β€’1 min read

πŸ’° Want to profit from real estate without paying off the seller’s mortgage?

Mortgage wraps are one of the most powerful creative financing strategies for maximizing cash flow, creating passive income, and helping sellers move properties quickly. In this episode of the Creative Real Estate Investing Mastery Podcast, we break down exactly how to structure a mortgage wrap using two different methods:

βœ… Contract for Deed (Equitable Title Method) – Keeps legal title with the seller while allowing the buyer to take over payments.

βœ… All-Inclusive Deed of Trust (AITD) – Gives the buyer full ownership while the seller keeps a wraparound mortgage in place.

πŸš€ If you’re ready to scale your investing business without relying on banks, you need to know how to structure a mortgage wrap correctly!

🎯 What You’ll Learn in This Episode:

βœ… What a wraparound mortgage is and when to use it

βœ… The difference between Contract for Deed & AITD (and when to use each)

βœ… How to profit from interest rate spreads without using your own credit

βœ… The due-on-sale clause & how to navigate it legally

βœ… How to protect yourself as a buyer or seller in a mortgage wrap deal

βœ… Real-world case studies of investors profiting with mortgage wraps

πŸš€ Want Step-by-Step Guidance on Creative Finance Deals?

πŸ”— Join the Creative Finance Academy β†’ https://sub2empire.com/cfa

πŸ“š Shop the Sub2Empire Store for Real Estate Investing Tools & Contracts β†’ https://sub2empire.com/store

Ken is a highly successful real estate investor with nearly 25 years of experience and millions of dollars in transactions including buy and hold properties, renovations, lease options, seller financing, note creation/investing, tax sale investing, and even international real estate ownership.

Ken has spent countless hours obtaining advanced and strategic knowledge in numerous areas of real estate investing. His knowledge and experience in real estate propelled him to early retirement at the age of 45, but he didn't rest on his laurels. Instead, Ken redirected his efforts and has devoted his life to helping the next generation of investors become better every day.

Ken is also a self-proclaimed serial entrepreneur with numerous operating businesses in the real estate space as well as his other life-long passions of traveling and health and wellness where he is also a published author.

Ken Rossics

Ken is a highly successful real estate investor with nearly 25 years of experience and millions of dollars in transactions including buy and hold properties, renovations, lease options, seller financing, note creation/investing, tax sale investing, and even international real estate ownership. Ken has spent countless hours obtaining advanced and strategic knowledge in numerous areas of real estate investing. His knowledge and experience in real estate propelled him to early retirement at the age of 45, but he didn't rest on his laurels. Instead, Ken redirected his efforts and has devoted his life to helping the next generation of investors become better every day. Ken is also a self-proclaimed serial entrepreneur with numerous operating businesses in the real estate space as well as his other life-long passions of traveling and health and wellness where he is also a published author.

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