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technique
Subject-To Investing
1 creator use or recommend it
1 use
Last discussed Jun 28, 2026
A real estate acquisition technique where a buyer takes over the seller's existing mortgage payments, acquiring the property subject to the existing loan remaining in the seller's name.
Recently discussed in
Why You Should NOT Buy A Home In 2026 (Do This Instead!) | Pace Morby
Pace Morby · Jun 28, 2026
What creators say
Pace Morby
uses
Used for: Acquiring underwater properties and converting them to cash-flowing assets with no money out of pocket
Praised: No down payment, takes over existing low-rate mortgages, works for sellers wh...
vs: Compared to conventional loans and BRRRR strategy; subject-to preserves the s...
"I take a house that somebody is maybe underwater on and I will convert that into something that cash flows and then I'll let the tenants pay. I bought 2,000 houses this way. Even a high-level lady at Merrill Lynch who's sub-two-ing our house to me..."
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