“Subject-to” means we purchase a property subject to the existing mortgage — the loan stays in place, and we take over the payments. Your client avoids foreclosure or distress, and the mortgage gets handled responsibly. This is completely legal and often used to help sellers with little to no equity.

Yes — the IRS even references this strategy (Publication 537), and it’s listed on official HUD-1 settlement statements. We work with licensed title companies, use proper documentation (Deed of Trust, Promissory Note), and ensure everything is above board.

We use a legal Deed of Trust and Promissory Note, enforced by a neutral title company. If we don’t perform, ownership reverts back to the seller — and they keep all funds paid up to that point. We also use loan servicing companies for third-party accountability.

Nope. We keep it simple and safe. All payments go through a licensed loan servicing company, which handles statements, collections, and ensures mortgage payments are always made on time.

In the unlikely event something went wrong, the Deed of Trust protects your client. Ownership would revert to them, and they would keep all funds received. That’s why we structure every deal with protection and peace of mind built in.

We love helping agents solve sticky situations like:

• Pre-foreclosures

• No or low equity homes

• Inherited/vacant properties

• Listings that won’t sell

• Sellers who need out fast

• Buyers who can’t qualify for traditional financing

YES. If you're a licensed agent, we can pay your commission — even if the property isn’t listed. We’re big on win-win-win. You help your client, we solve the problem, and you get paid.

Click the button below or fill out the form. The more details you can share, the better. We’ll evaluate it quickly and let you know your client’s options.