🔥 Intro: The Magic Of Sub-To Deals (and the Math That’ll Make You Drool)

In partnership with

Let me tell you a secret:

You can control real estate without qualifying for a mortgage, putting 20% down, or showing a single tax return.

It’s called a Subject-To deal — and it’s what every broke-but-determined investor needs in their back pocket right now. Especially when you can find leads for as little as $0.16 each (more on that in a minute).

In this issue, we’re digging deep into how Subject-To deals work, why they’re exploding in this market, and how to flip them without being a landlord or a loan-signer.

And if you want step-by-step help doing your first one, I’ll show you how to get into our full Sub-To training for 30% off before this weekend.

But first — let’s talk about the deal everyone else missed.

🧠 Curated: What Do You Do When a Seller Says “I Just Want Out”?

Here’s a trend I’m seeing in the wild:

More and more sellers are saying things like:

• “I don’t care about the equity, just take over the payments.”

• “Can you just make this go away?”

• “I need out before next month’s payment hits.”

These are perfect Subject-To opportunities — but most investors miss them because they’re too busy pitching “cash.”

Wrong move.

Instead, ask:

Then listen for pain and look for leverage. You’ll often find that the seller’s motivation isn’t price — it’s peace of mind.

📣 Ad/Promotions You Should Know

🎯 Sub-To Deal Blueprint – Now 30% Off

Learn how to take over payments, avoid banks, and structure Sub-To deals that cash flow — even if you’re broke.

Limited-time 30% discount

✉️ Motivated Seller Leads For Just 16¢?

Our Creative REI Reply system is flooding rookie inboxes with sellers who actually want to talk.
No cold calling. Just yellow letters that get results.

Get a FREE demo here!

📉 Why Sub-To Deals Are Exploding Right Now

We're in the perfect storm:

• 📈 Sellers are overleveraged with low-rate loans they can't afford

• 🏠 Buyers still want homes but can’t qualify for 7%+ mortgages

• 💸 You don’t need your own cash or credit to make money on the spread

You get the house.
The seller gets relief.
The buyer gets a home.
Everybody wins (except the bank, which is fine).

🧠 The Sub-To Formula (with Real Numbers)

Let’s walk through a real-world example so you can see how this actually plays out.

🔹 The Seller’s Situation:

• Mortgage balance: $204,000

• Interest rate: 3.5%

• Monthly payment: $1,165 (PITI)

• Behind 1 month

• No equity. Just stress. Wants out.

You offer to:

• Catch up the payment

• Take over the mortgage “subject to”

• Deed the house into a trust

You don’t assume the loan. You just start paying it — like a grown-up.

🔹 The Exit Strategy: Lease Option

You turn around and offer the property on a lease with an option to buy.

Your buyer:

• Pays $14,000 down

• Pays $1,595/month rent

• Has 24 months to buy for $239,000

💰 Let’s Do the Dealology Math

🚧 But What About the “Due-On-Sale” Clause?

Ah yes, the dreaded boogeyman.

Here’s the deal:

• Yes, most mortgages have a due-on-sale clause

• No, it’s not illegal to violate it — it’s a contractual issue, not a criminal one

• Banks rarely call loans due if payments are being made

And if you’re smart (like using a land trust and a solid exit plan), it’s just not something to be afraid of.

The risk is real — but manageable. And the upside? Huge.

🔑 7 Real-World Tips For Rookie Sub-To Investors

1. Use the 12 magic words early:

2. Stop negotiating — start diagnosing.
   Sellers don’t want your offer. They want to be understood.

3. Always talk like a consultant, not a buyer.
   You’re not “closing deals.” You’re solving problems.

4. Let the buyer pay everyone.
   You don’t need money. You need control.

5. Use a trust to take title.
   Privacy and peace of mind — for you and the seller.

6. Always get a title search.
   Don't be a rookie who inherits tax liens.

7. Have an exit plan before you enter.
   Lease option? Assignment? Retail sale? Know your move before you close.

👋 Outro: This Market Was Built for Sub-To Deals — Are You Ready?

If you’ve ever said:

Then Subject-To is your golden ticket.

The banks don’t need to know you exist.
You don’t need a partner.
You don’t need a construction crew.
Just a seller who wants out, and a buyer who wants in.

And right now, you can learn the entire system — scripts, contracts, step-by-step walkthroughs — for 30% off here:

👉 https://offers.flippinghousesforrookies.com/subtoevent30off

The free newsletter making HR less lonely

The best HR advice comes from people who’ve been in the trenches.

That’s what this newsletter delivers.

I Hate it Here is your insider’s guide to surviving and thriving in HR, from someone who’s been there. It’s not about theory or buzzwords — it’s about practical, real-world advice for navigating everything from tricky managers to messy policies.

Every newsletter is written by Hebba Youssef — a Chief People Officer who’s seen it all and is here to share what actually works (and what doesn’t). We’re talking real talk, real strategies, and real support — all with a side of humor to keep you sane.

Because HR shouldn’t feel like a thankless job. And you shouldn’t feel alone in it.

Sign Up Free