Structure a subject-to deal by analyzing the existing loan, modeling the takeover, and projecting equity growth.
Understand the current mortgage — rate, balance, payment, and remaining term — before structuring the takeover.
Open Calculator →Calculate your effective cost basis, cash-to-close, and monthly obligation when taking the property subject to existing financing.
Open Calculator →Run cash flow projections using the existing loan terms to ensure the deal generates positive returns.
Open Calculator →Project how quickly you build equity through both mortgage paydown (paid by tenants) and property appreciation.
Open Calculator →Verify the existing loan has no due-on-sale acceleration clause being enforced. Most lenders won't call the loan if payments remain current.
