Can anyone help me figure out this bet a friend has offered me? here's what he offered and two hints he gave me:

Rusty, here is a proposal for you and you won’t find this deal anywhere. You pick all 14 pro football games WITHOUT the spread. Just pick the winner. I will bet each game with you for whatever stakes you want. $10 per game or $100 per game. Doesn’t matter. The two lowest point spread games (the hot games) we bet 2 X the nominal bet. This week that is Jets/Bills and Steeler/Ravens. So for example if you make the nominal stakes $25 per game and you win them all, then you collect $400. Or if you win only half the games, but you do win the two hot games, then you still win $50. If the nominal bet is $100 dollars, then you could win $1600. What do you think?

now here are the hints he gave me to figure it out:
1. think outside the box
2. I said to myself week one, if he asks for a loan he probably has it figured out. However, just to be sure you have to answer this question: How can I be sure you are credit worthy and will pay me if you lose?

i know there's a trick in here somewhere and i can't figure it out. HELP!!!!