Скачать или смотреть Wraparound Mortgage 101: How Wraps Work, When to Use Them, and Required Disclosures

What is a wraparound mortgage, how does the money flow, and when should you use a wrap instead of going straight subject‑to? In this video, attorney‑investor Scott Horne breaks down acquisition wraps (including mirror wraps with balloons) and exit wraps when selling to a homeowner, plus the paperwork, disclosures, and servicing best practices that keep you out of trouble.

You’ll learn:
Wrap basics & money flow (borrower → you → underlying lender)
When an acquisition wrap makes sense (e.g., adding a balloon the seller wants)
Using wraps when selling: higher price, higher rate, more exit options
Note sale strategy (why wraps can 3–4× profit vs. a basic flip)
Proper buyer processing (RMLO, reasonable DTI)
The documents you need (wrap note, wrap deed of trust, deed provisions)
Key disclosures (do‑on‑sale, underlying debt, state forms; TX requires English/Spanish)
Loan servicing setup to protect everyone

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Chapters:
00:00 Intro & why wraps matter
00:18 What is a wraparound mortgage
00:50 Money flow in a wrap
01:11 When to use wraps vs. subject‑to
01:44 Mirror wrap example + adding a balloon
02:55 Renew & extend with the seller
03:25 Using wraps when selling to a homeowner/investor
03:54 Why wraps: price, rate, repairs, exits
04:31 Note‑sale strategy to 3–4× profit
05:25 Qualifying buyers: RMLO & DTI
06:23 Required documents for a wrap
06:59 State disclosures (TX English/Spanish)
07:16 Do‑on‑sale & loan servicing setup
08:01 Title insurance & closing costs
08:27 Wrap‑up & next steps

Scott Horne has been a real estate, title attorney, and investor for over 30 years. Over this time, he has purchased, rehabbed, and sold over 7,000 single family homes. Through his companies and law office, he has transacted over 10,000 creative finance deals. Scott’s experience as both an attorney and an investor puts him in a unique position to help you navigate this tricky business every step of the way.

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1. The Subject To Academy
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2. Everything You Need to Know About Liens
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3. Scott Horne’s Owner Finance Real Estate Investment Training
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4. 1 Day Recorded Training on Owner Financing
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5. Owner Financing for Realtors
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1. Legal Services
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3. Note-Pro Services
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5. Loan Servicing
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