Subject-To Deal Analyzer

SUBJECT-TO DEAL ANALYZER
Property: [Property Address] | Date: [Date] | Analyst: _______________________
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WHAT IS SUBJECT-TO?
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A subject-to acquisition means purchasing a property "subject to" the existing mortgage — the deed transfers to the investor but the original loan remains in the seller's name. The investor takes over mortgage payments without formally assuming the loan.
IMPORTANT LEGAL NOTE: Subject-to transactions trigger the "due-on-sale" clause in most mortgages, which gives the lender the right (but not obligation) to call the loan due. Most lenders do not exercise this right when payments are current. Consult a real estate attorney before completing any subject-to transaction.
Subject-to is best for:
  — Sellers who have equity and need immediate relief (foreclosure, hardship)
  — Deals with low-interest assumable-style loans (pre-2022 era rates)
  — Investors who want cash flow without a new loan
  — Sellers who cannot or will not list conventionally
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SECTION 1 — PROPERTY INFORMATION
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  Property Address:          [Property Address]
  City / State / Zip:        _______________________
  Property Type:             _______________________

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