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- 🕵️♂️ The Underground Real Estate Strategy No One Teaches (Because It’s Too Simple)
🕵️♂️ The Underground Real Estate Strategy No One Teaches (Because It’s Too Simple)
Issue #32: The Underground Guide To Finding Deals Without Deep Pockets
🔥 Intro: Why Subject-To Is Still the Best-Kept Secret in Real Estate
There’s a reason you don’t see Subject-To deals on HGTV.
It’s not because they don’t work.
It’s because they don’t need a bank, a broker, or a rehab crew — and that makes them very unsexy to the people who profit from complication.
Subject-To is an underground strategy. Not because it’s illegal. But because it’s unprofitable for the traditional real estate industry.
And the deeper you go, the more you realize:
You don’t need attorneys. You don’t need bank statements.
You just need two documents and a motivated seller.
Let’s talk about those two magic documents — and why most attorneys don’t even know they exist.
🧠 Curated:
Why “Simple” Is the Most Advanced Skill in Real Estate
It’s funny.
People say they want simple. But when you give them simple, they go:
“Wait... shouldn’t this be harder?”
That’s what happens with our Subject-To + Trust strategy.
You take over payments.
You set up a land trust.
You use two core documents:
A Warranty Deed to Trustee
A Trust Declaration
That’s it.
No tax returns.
No lender approval.
No 82-page binder.
And yet, most attorneys will try to turn it into a full-blown estate plan. That’s how you know you’ve left the mainstream.
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Let’s keep it real.
You don’t need a law degree.
You don’t need a $5,000 legal retainer.
You don’t even need fancy software.
You need two pieces of paper.
📄 1. Warranty Deed to Trustee
This is the document that transfers ownership of the property into the trust.
✅ Seller signs it.
✅ Trustee is named.
✅ The trust name is listed (i.e., “123 Main Street Trust”).
✅ The county records it.
Now the trust owns the house, not you, not the seller.
It’s the legal bridge between the seller and your deal.
This one document literally changes ownership — and it’s the cornerstone of your Subject-To structure.
📜 2. Trust Declaration
This is the private agreement that spells out who the beneficiary is and what the trustee can/can’t do.
⚠️ Important: This does not get recorded publicly.
This is your control document — and it stays private.
Inside, it’ll say:
Who the trustee is (your attorney, partner, or LLC)
Who the beneficiary is (you or your entity)
What the trustee can/cannot do (hint: nothing without you)
When done correctly, this document gives you 100% control without your name ever hitting the public record.
It’s that powerful.
❌ What Most Attorneys Get Totally Wrong
Here’s where things go off the rails.
Most real estate attorneys:
Don’t do Subject-To deals
Don’t understand investor-friendly trusts
Try to build family trusts or irrevocable estate plans instead
Ask you for your Social Security number, your kids’ names, or worse — your blood type (lol)
🚩 Big red flag.
If your attorney is asking for tax info, family tree details, or insisting on building an irrevocable trust — RUN FAST!
They’re not bad people. They just don’t know what you’re doing.
You’re building a land trust for transactional real estate investing.
They’re building a trust to keep Aunt Betty from arguing over the will.
Totally different worlds.
🧠 Your Rule of Thumb:
If the trust:
Can’t be revoked
Requires IRS filings
Triggers tax documents
Lists multiple family members
Comes with a leather-bound binder
…it’s the wrong kind of trust.
The trust YOU need is a simple revocable land trust — with no tax ID, no family drama, and no extra paperwork. And totally transparent, or a ‘pass-through’ device.
Just:
1 warranty deed to trustee
1 trust declaration
1 clean, profitable deal
🧠 Example: The Simple Setup That Earned $22K in 30 Days
Let’s say “Ben,” one of our students, found a seller who:
Had a $192,000 loan at 3.5%
Was one month behind
Just wanted out — didn’t care about equity
Ben:
Caught up the payment with $1,250
Had the seller sign a Warranty Deed to Trustee
Created a Trust Declaration naming his LLC as the beneficiary
Sold the property on a 2-year lease option
Collected $14,000 upfront and $350/month cash flow
The exit profit at lease option closing will be ~$15,000.
Total projected gain: $22,400 — from two documents and one conversation.
🔐 You Don’t Need Legalese — You Need Leverage
A lot of people get stuck in analysis mode.
They want the perfect contract. The airtight document. The legal team. The corporate veil.
But what they really need is a motivated seller, a clean structure, and a repeatable process.
These two documents give you:
✅ Legal ownership structure
✅ Privacy from public records
✅ Control without exposure
✅ The ability to flip, lease, or assign — without redrawing paperwork
And you can create them in less than 30 minutes once you know how.
👋 Outro: This Strategy Is Underground… Because It Works
Here’s the real reason Subject-To stays underground:
Because once people learn it, they stop using banks.
They stop paying points.
They stop doing what Wall Street wants them to do.
They go off-script.
They go off-market.
They build wealth in the shadows — with two simple documents and a pen.
You don’t need approval.
You don’t need permission.
You just need to know how.
Learn the entire process — including downloadable docs, scripts, and walkthroughs — here:
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