There is a guy by the name of Rick Otton who has a website at

http://www.creativerealestate.com.au/

He sells a product called the Wrap Pack, which is supposed to teach
you everything about how to make money through vendor financing.
Apparently he did this himself when he lived in the USA, and is now
doing this in Australia.

The Wrap Pack appears to be sold at different price points depending
on where you look (and what offer he happens to sends you in the
mail).

Who is Rick Otton? What is his background? Can he be trusted?

What experiences have his customers had with his Wrap Pack? Are they
happy with the purchase? And have they actually made money using it?