⚡ From Default to Duplex Payday: How One Investor Snagged a Subject-To Deal With $1,300/Month Cash Flow

🎯 INTRO:

Question for you:
What would you do if a seller handed you the keys to a cash-flowing duplex... and paid you to take it off their hands?

That’s not fantasy. That’s what happened in Orlando, Florida last week.

One smart investor stepped into a sticky situation—an exhausted seller, a looming default, and a ticking clock—and used the mighty Subject-To strategy to walk away with control, cash flow, and a killer deal…

Without getting a mortgage. Without using his credit. And without spending more than a grand.

If you’ve ever thought Subject-To deals are “complicated” or only for the pros—this story might just make you dangerous.

🔍 CURATED REAL ESTATE INSIGHTS:

• Over 37% of U.S. homeowners are struggling with some form of housing-related debt stress, especially on 2–4 unit properties. That means duplexes are ripe for creative structures.

• Subject-To deals are trending again in 2025 due to rising interest rates and locked-in seller financing at 3–4%.

• Most real estate agents still have no clue how to structure these… which means the creative field is wide open.

📣 AD / PROMOTION:

Want us to walk you step-by-step through a real Subject-To deal—including what to say, what to sign, and how to close without cash or credit?
👉 Click here to get our “Subject-To Starter Kit” — You’ll be structuring your first deal before your coffee gets cold.

💼 MAIN CONTENT: The Deal Breakdown

🏠 The Setup:

This Orlando duplex had problems:

• Seller was two payments behind.

• Tenants had left, repairs were needed.

• Seller had no money and no interest in “landlording” anymore.

• Oh—and it was about 10 days away from foreclosure notice.

Most wholesalers would have walked.
Most flippers would’ve said “too much risk.”
But not our investor.

He saw opportunity written all over the word “default.”

💬 The Conversation:

The seller wanted to sell, but the house was underwater after commissions and closing costs.

So the investor made a simple offer:

The seller blinked. “You’d do that?”

Boom. Deal made.

✍️ The Paperwork:

They signed a Subject-To Purchase Agreement and a CYA Disclosure (cover your assets), plus a Power of Attorney for property-related matters.

• The loan stayed in the seller’s name.

• The deed transferred to the investor.

• Investor caught up the back payments: $1,000 and some change.

No bank. No mortgage. No underwriting.
Just paper, trust, and action.

🛠️ The Fix & Flip (Without Flipping):

Investor cleaned up the units with light cosmetics—new paint, minor plumbing, and a deep clean.

He leased both units at $1,450 each, totaling $2,900/month. The PITI mortgage payment? $1,580.

💰 The Payday:

Monthly cash flow: $1,320.
Equity growth: locked in.
Control: 100%.
Risk? Low.
Leverage? Infinite.

The seller avoided foreclosure. The investor walked into a $15K/year passive stream. And the tenants got a safe, stable place to live.

🧠 Key Lesson:

Subject-To is the ultimate creative tool when a seller’s back is against the wall.

You’re not stealing a house.
You’re solving a problem—and taking responsibility when no one else will.

And in return? You get control of the property without qualifying for a loan or coughing up a down payment.

All you need is knowledge, confidence, and the right documents.

🚪 OUTRO:

These deals are happening every day in neighborhoods just like yours.

But most people miss them because they’re too busy chasing “discounted” houses that require cash and crews and chaos.

What if you could grab control of deals the banks would never let you finance…
… and make them cash-flow while building long-term wealth?

👉 If that sounds like your kind of move, let’s talk.
Schedule a Subject-To Strategy Call or reply “SUB2” and we’ll get you rolling.

📊 POLL:

👉 Would YOU take on a property “Subject-To” the existing loan if the deal cash flowed right away?

Your vote helps us craft future content and trainings.