💣 The Wrap That Pays: How One Investor Turned a “No-Equity” Phoenix Property Into a $15K Down Payment (and Monthly Spread)

🎯 INTRO:

Let’s get something straight:
If you’re still walking away from deals because “there’s no equity”…

You’re missing out on paydays that would make your bank account do the salsa.

Today’s deal is a beauty:
A house worth $320K.
A mortgage balance of $315K.
And somehow…
An investor walked away with $15,000 down and over $300/month cash flow—without using their own credit or cash.

How?
The secret weapon: the Wraparound Mortgage.

Let’s unwrap the details. Because this one’s worth studying twice.

🔍 CURATED REAL ESTATE INSIGHTS:

• Rising interest rates in 2025 are locking homeowners into low-interest loans, making existing financing a goldmine for creative dealmakers.

• Wraparound mortgages allow you to “wrap” a seller’s loan with new terms, creating spreads in interest rate, payment, and purchase price.

• These structures are legal, ethical, and bank-resistant—if you do them right.

📣 AD / PROMOTION:

Want our full Wraparound Deal Blueprint—including contracts, amortization examples, and the exact script used to create monthly spread profits?
👉 Click here to grab it — Includes bonus training on wrap disclosure and compliance.

💼 MAIN CONTENT: The Deal Breakdown

🏠 The Setup:

The seller in Phoenix was stuck:

• Owed $315,000 on a 30-year fixed at 3.25%.

• Monthly PITI: $1,560

• House worth: ~$320,000

• No cash to sell, no desire to rent, no equity to cash out.

She wanted out. Fast.

Most investors said:

But this investor said:

💬 The Offer:

The investor proposed a Wraparound Mortgage:

• He would buy the home for $335,000.

• He’d take title, create a new wrap note for $335K at 6.75% interest.

• He’d continue paying the underlying mortgage at 3.25%.

Then he’d resell the home to a buyer who couldn’t get a loan but had cash for a down payment.

🔢 The Deal Math:

Existing loan terms (the “underlying”):

• Balance: $315,000

• Interest: 3.25%

• Monthly PITI: $1,560

Wraparound loan terms (to new buyer):

• Sale Price: $335,000

• Interest: 6.75%

• Down Payment: $15,000

• Loan Amount: $320,000

• Monthly P&I: ~$2,074 (on a 30-year amortization)

The investor used a land trust to hold title and a disclosure document (aka "wrap disclosure") signed by all parties.

💰 The Payoff:

The seller walked away with her loan intact but no more responsibility.
The investor received:

• $15,000 non-refundable down payment

• Over $500/month passive cash flow

• Full control of the property

• No bank qualifying

• No repair costs

• And a backend payday if/when the buyer refinances

Not bad for a “dead deal” most wholesalers ignored.

🧠 Key Lesson:

A wraparound mortgage is leverage disguised as structure.

• You don’t need to “buy cheap.”

• You don’t need a hard money lender.

• You don’t even need a lot of equity.

You just need a motivated seller, existing financing, and a buyer who’s close but not quite bankable.

The real juice is in the interest rate arbitrage and monthly spread—which can go on for years.

🚪 OUTRO:

If you’re still thinking “no equity = no deal,” it’s time to upgrade your toolbox.

Because in 2025, most sellers are holding low-interest golden tickets.
And creative investors—like you—can turn those tickets into paydays with paper.

👉 Want help structuring your first wraparound deal?
We’ve got the docs, the disclosures, and the deal strategies ready.

👉 Click here to book a Wrap Strategy Call, or reply “WRAP ME UP” and we’ll send you the free breakdown kit.

📊 POLL:

👉 Would you do a Wraparound Mortgage deal if you could earn $500/month on a no-equity property?

Let us know—we build trainings based on what you want most.