My question is how do you wholesale a house thats not free and clear and still owes a mortgage? :banghead
Just assign it for a wholesale price and the underlying mortgage gets paid off at closing.
Of course, this assumes they don’t owe more on it than you can wholesale it for. If that is the case you’ll need to either do a short sale or otherwise try to fit the deal into another exit strategy such as seller financing, lease option, option, rental, etc.