Episode Details

You keep running the numbers on rental properties and walking away because nothing cash flows at these rates. This subject to transaction explained is the episode I wish I had when I first heard about this strategy.

I sat down with Marcus from Surf 1st Realty, a transaction coordinator who has structured these deals from start to finish, and we broke down every single piece of how subject to real estate actually works, not the surface level stuff, but the full picture both sides of the table need to understand before moving forward.

Here is what we cover:

✅ What it actually means to buy a property using subject to mortgage investing and why it is not the same as a loan assumption

✅ Why sellers facing foreclosure use this strategy to sell fast and walk away with their credit saved and actually helped, not just protected

✅ How these deals can close in as few as 10 days with no appraisal and no bank qualification

✅ The difference between a land contract vs subject to and when each one makes sense

✅ How a performance deed works and what it does to protect the seller if a buyer ever defaults

✅ The due on sale clause, what actually triggers it, and why insurance is the number one thing to get right

✅ How inheriting a 2% mortgage through creative financing real estate changes the cash flow math entirely when new loans are sitting at 7%

✅ What sellers need to know about qualifying for a future mortgage after doing a subject to deal

✅ Who the ideal buyer and seller are and what the subject to real estate California market looks like for this strategy right now

If you are a seller trying to figure out how to avoid foreclosure without destroying your credit for a decade, or an investor who wants to understand subject to vs loan assumption before structuring your first deal, this episode is built for you.

Marcus can be reached directly at 916-496-4512 or marcus@creativetcservices.com.