Hey!
Just wrapped up an incredible live session with Jada and Chai where I broke down our entire wrap strategy from Colombia (yes, I'm running this business remotely while traveling).
The conversation started with a simple question: "How do you get to tier 1 financial freedom?"
My answer: 10 houses sold on seller financing.
Here's what we covered in this 2-hour deep dive:
The Blue Ocean Reality
While everyone's fighting over wholesale deals and traditional rentals, we're working with an underserved demographic that's growing by 19% and has $3.6 trillion in spending power.
90% of our buyers are first-generation Americans who can't get traditional bank financing—but they'll pay premium prices for in-house financing.
The "BRRRR Model"
Buy at 70-80% of market value
Put long-term financing in place (DSCR loans)
Sell on seller financing at full market value (or 15% above)
Collect $400-$1,200/month in true passive cash flow
Market Rules That Matter
Stay within 30 miles of major metros
Keep monthly payments between $1,500-$2,500 in the Midwest
Focus on 3+ bedrooms with basements (tornado fear is real)
Large yards and off-street parking are gold
The Life Design Exercise
This might be the most valuable part—we have a worksheet that uses AI to help you craft your dream life vision AND the exact monthly income you need to get there.
Because here's the thing: if you don't know where you're going, you're just floating around in business.
One student, Jacob, became an equity millionaire at 25 using this exact system. Another, Kyle, is doing his third wrap in Texas while working as a traveling nurse.
The beautiful part? This isn't just about making money.
When we sit across from families at closing, they're often near tears because they're achieving the American dream for the first time.
We're doing good while doing well.
And if you're ready to stop trading time for wholesale fees and start building assets that pay you for decades...Let's talk.
To your freedom,
Philip Louden
P.S. The free Skool community mentioned in this call has that ChatGPT life design exercise included. Worth checking out even if you're just curious about the strategy.