It is worth noting here that Rick and Steve both have a very good product, and yes, they are both wrappers, but they have VERY different wrap ideology.
Steve is what I call Wrap and Hold.
He wraps for the long term cashflow. That is, put someone in and anticipate them still being there in 10 or 20 years time, paying the loan out.
Rick is what I call Short Term Wrapping
He wraps for the short term profit hit. He wraps a house expecting that the wrappee will be able to refinance it within a couple of years, and that will give him the profit quickly.
Which is better?
Well it really depends on your own thoughts. Steve makes "more per house" but Rick makes his money much faster, which allows him to utilise it to do more wraps, giving it a cascade effect.
Neither is better than the other, they are different.
SO, what I am saying is, either wrap pack is good, IMHO, but they teach different things. If you don't know which way you want to go, then buying them both is a good idea, but if you know that you want to short term, or wrap and hold, then buy the one that suits your method..
hope this helps.