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Just so we're clear on my position here. I'd prefer people go about wrapping in a fully disclosed manner. The finance options are more limited, but the long term gain is substantially better if you intend to turn wrapping into a business (successful wrappers tend to take a business approach...

Wrapping a property gives you two choices as far as your own lending goes: 1. Go through commercial channels. 2. Don't tell them you're wrapping it. In my opinion option 1 is more sustainable in the long run although the rates and LVRs aren't as generous.

Under most wrap contracts, you no longer actually own the house, so neither of you is entitled to half of the property. Your client owns the house. Depending on your separation agreement, your ex may be entitled to half the profits resulting from the wrap.