Link to my presentation. https://docs.google.com/presentation/d/1i8D3IRzDqRi8lojJatbnX3f7gVvDwQykYynvvBHNLso/edit?usp=sharing
Executive Summary: Buying Houses Subject-To
This strategy lets you buy a home by taking over the seller’s existing mortgage—no new loan required. You make payments, but the mortgage stays in their name.
Why it works:
- No bank approval
- Low/no money down (sometimes)
- Fast closings
- Helps distressed sellers
Key risks:
- Due-on-sale clause (rarely enforced)
- Insurance or legal issues
- Reputation risk if you stop paying
Pro tips:
- Confirm ownership
- Get third-party loan access
- Use proper documents
- Don’t cancel insurance too early
Great for investors who want speed, flexibility, and creative financing.