How to Save a Failed Flip with a Wrap Mortgage | Subject To, DSCR Loans & Creative Finance with Joe Garcia

What do you do when a fix-and-flip deal won’t sell, private money is coming due, and the market shifts against you?

In this episode of the Get Creative Podcast, host Kyle Karges sits down with Joe Garcia, a Houston-based real estate investor, broker, and transaction coordinator, to unpack a creative finance strategy that helped turn a struggling flip into a solution.

Joe shares how he transitioned from hands-on house flipping into transaction coordination and creative real estate strategies after joining the Subto and Top Tier TC communities. He also breaks down a real-world Houston deal that started as a wholesale lead, became a flip funded with private money, ran into market headwinds, and was ultimately salvaged using a DSCR loan and wrap mortgage.

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