From $300K Debt to $750K Raise: Carlos Torres Garzon on Creative Finance & Wraps (Subto)

🎙️ Creative Finance Powerhouse: Carlos Torres Garzon on Subto, Wraps & Raising $750KCreative finance, subject-to, and wrap mortgages—all in one powerhouse episode. Carlos Torres Garzon shares how he rebuilt after losing it all in 2008, rallied a $750K raise in days, and now helps Latino homestead buyers become homeowners without banks through wraps/mirror wraps and smart servicing.We cover partnering with Matt Starr, DealMaker wins, Honors Club momentum, building teams, LA meetups, and how private money fits safely into the model.💡 What You’ll Learn:How subject-to + wraps create win-wins for sellers, end buyers, and lendersStructuring returns (pref, split) and raising capital quickly & ethicallyWhy “loan-lord” beats “landlord” for certain deals (servicing, repairs, risk)Qualifying homestead buyers, credit-building ideas, and compliance basicsMindset: finding your “who/why,” surviving the dip, and scaling with systems👥 Want to partner, bird-dog, or lend? Comment “PARTNER” and how you can help.📌 CHAPTERS00:00 - Cold Open — $750K Raise Teaser00:25 - Show Intro — Dream Start Own01:14 - Meet Carlos — Background & 2008 Crash Story07:15 - Rebuilding with Creative Finance (Subto, Wraps)12:48 - Partnering with Matt Starr & Scaling Up16:59 - $750K Raise on DealMaker (How & Why It Worked)25:40 - Wraps/Mirror Wraps Explained Simply35:02 - Serving Homestead Buyers (Latino Focus)45:46 - Work With Me46:14 - Loan-Lord vs. Landlord Model46:35 - Join My Team57:20 - Servicing, Credit Building, and Compliance Tips59:05 - My Advice1:05:49 - LA Meetups, Honors Club, and Community1:14:36 - Mindset: Finding Your Who/Why & Surviving Dips1:24:11 - How to Partner, Bird-Dog, or Lend1:30:22 - Final Advice & Wrap-Up📲 Connect with Carlos Torres Garzon:🌐 buytherate.com📘 facebook.com/carlos.torres.garzon.2025📸 Instagram: @carloscreativeestates🌐 Work with Carlos: squadup.buytherate.com/scan?id=0005👉 Don’t forget to 👍 like, 💬 comment, 🔔 subscribe, and share if Carlos’ story inspired you!🔌 PLUG IN & SUBSCRIBE 🔌📸 Instagram: / edgartheconnector🎵 TikTok: / @edgarsrei► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby ✌🏼https://join.nre.ai/mQ9T9vZ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector🚧 DISCLAIMER 🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or otherwise and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a YouTube video for entertainment purposes ONLY.