Welcome to our real estate investment platform, where we specialize in purchasing houses through SubTo (Subject To). But what exactly is SubTo, and how can it benefit you as a homeowner?

What that means is we basically take over peoples' mortgages. And we take over all the liability and issues on the house. So whatever the remaining balance of the mortgage is, we take that over.

We would transfer the title and the mortgage stays in your name.

What that means is we basically take over peoples' mortgages. And we take over all the liability and issues on the house. So whatever the remaining balance of the mortgage is, we take that over.

We would transfer the title and the mortgage stays in your name.

Yes! It’s done thousands of times a month across the nation. The Title Company will issue insurance on the transaction.

As an investor, very early on, getting mortgages gets tougher when you have a lot of properties, they cap you… That’s why a lot of investors start turning to cash, they no longer qualify. This way allows us to purchase more properties.

You’re asking for too high of a number, and I’m willing to come up to your number as long as I get terms, and the only way I can get terms is by keeping the mortgage in your name.

Never. I’m not buying your house based on the value of the purchase, I’m buying based on the value of the existing mortgage.

So our exit strategy when buying on terms, is to rent the property and cash flow. If they’re good tenants we have no problem keeping them. 

So typically what we do is just introduce you to our title company or to a closing attorney, somebody that would handle the transaction and all the paperwork and you can ask them questions about how it all works and the legalities behind it and all that kind of stuff - that typically is the biggest issue, but do you have any questions off the top of your head that maybe I can answer for you.

Well, they’re a quite a few benefits to selling on terms

• I would pay any and all arrears to get the loan in good standing
• I will pay your mortgage each month
• Having a performing mortgage in your name will only improve your credit score

Until it’s payed off

Absolutely. We just adjust your DTI (debt-to-income) on the DTI declaration page.

If the economy crashes, I didn’t buy your property based on the value of the purchase price, I bought your house based on the value it presents in cash flow. And when the economy falls apart, more and more people turn to renting; rent rates actually go up. I’m in a more secure position. I will pay the mortgage regardless.

So our exit strategy when buying on terms, is to rent the property and cash flow. If they’re good tenants we have no problem keeping them. Good tenants are hard to come by now-a-days, ya know.

Yes, what we do is we leave your insurance in place while close escrow, at closing we do all the paperwork and then once I’m the owner of the property I will have my insurance agent replace your policy with my new policy. And then we will add you as the additional insured because you are the lender so its not only me and my business name on the insurance policy but you will be on the insurance as well.

We would switch over all utilities.

We have all the documents needed for a property transaction like this.  We typically draft the agreement and encourage you to bring it to your attorney for review.  Once everyone understands the process, we can move forward from there.