Understanding Subject To Real Estate Investing - Part 2

Welcome to Part 2 of our walkthrough on subject to real estate investing. In this video, we'll take a closer look at how you can become the owner of a property while the original owner stays on the mortgage. Specifically, we'll be breaking down the process of how this is done, and I'll be explaining it to Alex in real-time so you can follow along.
This video is perfect for beginners who are new to subject to real estate investing, as well as anyone who needs a refresher on the topic. It's also a great resource to share with someone who may be struggling to understand the concept of subject to.
So if you're ready to learn more about subject to real estate investing and how it can help you achieve your investment goals, be sure to tune in to this video. Don't forget to like, comment, and subscribe to our channel for more great content on real estate investing!
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❎ I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a KZbin video for entertainment purposes ONLY ❎

[@kp_hoodyheavy4847]

This 2 part series so far has been so beneficial. Thanks Pace and Team

[@selenajackson1126]

Thank you 😊. This is awesome!!!!!!!

[@kingsolarll4723]

I had no understanding about the title company until this video.

[@nellosnook4454]

1. There are two elements to this transaction: 2. Seller approval of the contract for transferring the seller’s title of the property into the name of the transferee. 3. Validating the contract through processing the paperwork through a title company.

[@bryanfrye8770]

I was so far behind in knowledge until I started this mentorship

[@js6721]

I love your content man 💪 I appreciate the knowledge that you’ve been sharing. I’m just getting started with everything and I’m absorbing as much knowledge as possible.

[@_ramirocardenas]

Love the videos you have been doing lately with the part1-3 explaining it to the new guys, because the new guys ask all the questions I probably would have asked 😂 keep this series going!! Thank you for everything

[@jillcorsiglia5796]

Pace l sweat you're becoming an even more patient and informative teacher than ever before, how is that possible?! 🥰🥲🙏🏼🏡👍🏼☺️ We so appreciate your thorough breakdowns of the facts/steps involved in creative transactions, be it homes, infinite banking and more!!!🙏🏼🎶🥲🙏🏼 Gratefully Jill 🌹🙏🏼❣️

[@Nicklee-ju1zo]

Awesome man! Thank you 🙏

[@kingsolarll4723]

PERFECT!!!

[@jennyj9890]

So much value here

[@angelreyes-realestateandbaseba]

Thanks for the video its really good, I learn a lot.

[@tonyluchiano1570]

There was going to be a texting script. That's what It said at 8:20 of the video. it said to click below I don't see a link for that Thanks

[@landrichplus]

Thanks Pace

[@mikeharmon7299]

Awesome

[@nellosnook4454]

1. There are two essential elements to this transaction: 2. Seller approval of the contract terms for transferring the seller’s title to the property into the name of the transferee. 3. Legally validating the contract by processing the paperwork through a title company. 4. As to WHY a seller would comply with such a title transfer contract, essentially, it would be for the relief of situational “pain”, or the promise of greater monetary “gain”. 5. And a more personally-preferred, lower-cost, expeditious option than selling the property through a realtor. 6. Especially if the title holder has owned the property for less than two years. 7. Minimal equity & tax implications.

[@ahamedularefin9426]

Great class

[@faze_fresh1236]

Pace, I know paper costs went up but I wish your book was double spacing. Your book is great!

[@rozwilliams5954]

❤ it......

[@joshwilliams3375]

Love these videos! Super informative, I'd like to know if this can be done the same way in Australia. I am struggling to find good resources specific to Australian legislation.

[@annabarlow9050]

I took down my 1st Big Bear Home 🏠 SUBTO! ✌🏼Thank you Pace for your videos

[@VeronicaGrimes_tc]

Hello @annabarlow9050. Let me know if you need a transaction coordinator for your deals. I'd love to help you with with paperwork.

[@lillianluna-garcia9668]

Can you do a video on finding the due on sale insurance? Thank you

[@pasanmanula6758]

Everything looks great but I do have a critical question that I wish you'd answered. When transferring the title or deed from the current seller to the new buyer, if there is a mortgage on the property, does the new buyer will need to pass the lender’s eligibility checks ?

[@amoosenamedgoose3723]

Does the title company insurance protects you from a due on sale clause?

[@procasualty6692]

Do you leave the mortgage in the sellers name? How do you protect yourself and them from a loan callback?

[@CocoBold]

Pace, do you ever have to pay the seller money to move? Also, can you talk about if they have liens on the property.

[@rtuck27]

Sometimes you do it just depends on the deal. It also makes the deal sweeter for them if they get some money to leave.

[@LegalizeGA]

Need a bit more info before I can wrap my head around this: 1. Given that mortgage promissory notes come with a due-on-sale clause, how do you go about transferring ownership of the property (aka the mortgage company’s collateral) without the mortgage holder having to satisfy the debt in its entirety? 2. Why would a seller want to sign their property ownership away, while still obligating themselves to the loan on that property? The seller is just cool with giving away 100% of the asset (property itself) while keeping 100% of the liability ($100k+ loan)? 3. What assurance does the homeowner/seller have that the new owner will make the mortgage payment, and what happens if they don’t?

[@chesspioneer-3040]

Every one of these questions are fantastic. Pace is the only one with the answers - Grant Cardone, Graham Stephan, etc have never heard of SubTo deals like Pace does. I think he's legit, but I'd love to have these missing questions answered too.

[@ScratchSensation]

only can be fha and VA loans ?

[@BigAndy229]

Would this system work in Canada?

[@line-stein]

This is all awesome information. Thank you pace. My big question is is when the seller asks how do I know that you will pay the payments and you won't go MIA On payments, what insurances do I have? What do you tell them and how do you solve that concern?

[@klicketyklack]

I would give the seller my incentive of why your buying the house, yes of course you want to help the seller get out of a sticky situation but, list reasons why you specifically want the house, such as I'm buying this house as a mid term rental property or long or I'm house hacking. another example would be that I'm just a broke college student that wants to get out of the dorms. if you give a reason of WHY you need this house they will be more accepting of you and your situation as you are of their situation.

[@George87MG]

6:15 Have you ever had issues with the title where you had to make an insurance claim before? Just wondering if there are any metrics on your title company expenses. $5,000 vs $17.00 over hundreds of deals seems like a lot of money. Would be interesting to see the data on that.

[@murrayshaulingtransport9602]

What happens if your plan does not work and you default on that mortgage? Now that distressed owner gets hit with the negative credit and possible foreclosure.

[@RoutetycoonVideos]

I have the exact question. If you find a video where he addresses this, I'd love to hear. Everything I can find is all about getting the deal but not making sure everything goes ok after the deal is made (or what happens when things don't go well - I'm sure Pace pays just fine, but I imagine some of his students don't have the reserve funds that Pace has access to).

[@JacobMedinaBakoRealtor]

lol that seller is SOL

[@murrayshaulingtransport9602]

@@JacobMedinaBakoRealtor for sure 😔

[@joeruffo6134]

I assume subject to is an agreement subject to the original contracted terms of the lender. However even with an agreement in place the original owner is still liable for the original debt without being removed from that debt correct? The only other way that I can think of is to assume the loan, this would require the original lender's involvement. This is the red flag that keeps popping out at me because I have yet to see him answer this. If I buy groceries with a credit card I can give the receipt to anyone I want. However I am still liable for the credit card bill. So the question is how does this person no longer become liable to the debt?

[@RoutetycoonVideos]

@@joeruffo6134 Yep - I think the person that gives their property up but keeps the debt also is crippled from being able to get another loan too. So I think someone that engages in selling via subto needs to not need to buy another house for a long time (maybe until Pace pays it off since they no longer own the house to sell it truly to get the loan off of them). Pace mentions sellers don't even think about asking for proof of funds, so I seriously doubt they're thinking of what happens when they apply for another loan and they're still maxed out w/ the debt from their original house they 'sold' to Pace. If this isn't the case, I'd love to be corrected.

[@Cloudsever]

So can i add in tht 5k for title? As a cost to doin subto in addition to getting The property caught up giving the seller a bit of money? Or can a first timer do it the $17.00 way?

[@jaybclemons]

This video was very informative, the question I have is...What information does the servicing company take and what happens to the mortage if "Pace" stops paying it? Would'nt this hurt the previous owners credit?

[@feelgoodtimez]

had the same question

[@john-bf7tu]

Question!!?? .. Hey pace thanks so much for these videos have been a massive help. I’m just now getting into this and have been digesting about 10 hours of various content. but in all of your videos, and the things that I have been studying on I have not found the one question still remains in this type of deal which is, since you’re not going to the bank and putting this on your credit for the loan amount and you’re paying their loan payments does the house stay on the credit of the seller or the new sub to buyer?

[@VeronicaGrimes_tc]

Hey!@john-bf7tu How are you? Are you buying substo deals? I am a TC, let me know how can I help.

[@IBuyMNHomesLLC]

What are some servicing companies names ?

[@thomasedible7419]

Awesome! Please make a video answer the final question - how to structure this to sell a house and mitigate that 10% closing agents costs and capital gains (how to structure via a trust)? In this case did the seller actually sell it for 575k or how does that work in terms of capital gains etc...? Thanks! You are amazing!

[@VeronicaGrimes_tc]

@ Hello! @thomasedible7419 He has discussion this in different videos. You can always JV with a subto student who will have the correct documents. I'm a transaction coordinator . Let me know how can I help you in the future.

[@Realerikmartinez]

What happens if a sub to buyer doesn’t pay?

[@sabedchowdhury8306]

What if the new buyer default on payment? The mortgage company (SLS) will go after the the seller right? doesn't the seller ask - "what if you don't make payment?"

[@ineoco9587]

Hey guys, I have a question. I understand why someone accept a subto offer when they don't have equity or very little, but what happen when someone has 50% equity on his property ? even if the listing is expired, why he would do a subto if it's loosing all his equity ? Maybe that's not the target... thanks for your help

[@PaceMorby]

then it's a combination of Seller Finance AND Subto

[@DrEvoProducer]

How can you execute a pad split in a HOA? There's no way they'd let you

[@marlongodala]

What if the seller wants you to pay the amount they paid in the existing mortgage? Because if I'm the seller i already paid some money depending on how long the mortgage ran, so i'm thinking i should get something right? Do you have simillar scenarios, and how'd you handle this? thanks! and very great content btw!

[@saml8560]

Depends sometimes the seller just wants to be done with the property and is okay with selling for what’s left on the mortgage. Then you have the seller that needs some cash bc they are struggling so it only makes sense to give them something that works for both of you, this is a win win

[@angelreyes-realestateandbaseba]

What Happens if you default to pay the existing loan attached to the seller as a new buyer of the subject to property? How me as a seller can trust the buyer?

[@noahhaener1520]

You can have a quit claim deed signed, in the contract if you default past 2 months the seller will get the deed back

[@VeronicaGrimes_tc]

@angelreyes-realestateandbaseba Hello! He has discussion this in different videos. You can always JV with a subto student who will have the correct documentsI'm a transaction coordatinator . Let me know how can i help you in the future.

[@JohnyTheGreat99]

I can’t seem to find the Facebook group so I can join and connect with other people

[@rtuck27]

It’s creative real estate with pace morby! Connect with me on there! I’m a subto student!✌🏽

[@JohnyTheGreat99]

@@rtuck27 thanks I’m in now what market you in I’m looking to purchase in Tennessee Chattanooga Hixson and Cleveland areas minor repairs

[@Pcoxproductions]

7:44 title company are basically an insurance company

[@sizz604]

Can the bank take the house if the loan is defaulted after u transfer the deed?

[@rtuck27]

If someone defaulted they can foreclose and take it.

[@RoutetycoonVideos]

What happens if when you take over subto, you can't AirBnB it for some reason, and now you can't make the mortgage payments for the original owner. Maybe the bank forecloses on them, realizes they transferred the deed to the subto buyer, the original owners have no asset to sell (since they transferred it), they go bankrupt and the subto person goes bankrupt too since the bank still has the lien on the negative equity property? If subto people don't have good credit, they'll probably botch this up too, and I'd love to hear when a subto property owner doesn't make the payments. Is there any video that addresses this?

[@W1es]

There for sure is probably, yet, its all just logical though too. You dont just go get a subto deal anywhere and hope for the best. You research area, needs for housing, companies that utilize housing deals for their employees, you simply do the research as to find out if you get a building, can you fill it....BEFORE...you enter into any kind of search or deal. Truly is that simple.

[@VeronicaGrimes_tc]

@ Hello! @RoutetycoonVideos He has discussion this in different videos. You can always JV with a subto student who will have the correct documents. I'm a transaction coordinator . Let me know how can I help you in the future. He has discussion this in different videos. You can always JV with a subto student who will have the correct documents. I'm a transaction coordinator . Let me know how can I help you in the future.

[@Jonathan.Gonzalez]

So if the mortgage is still under previous owners name, what happens if you stop paying? Are they essentially screwed? What if they apply for another mortgage does that debt still show limiting their buying power?

[@PaceMorby]

Check out this video: kzbin.info/www/bejne/eWaahZ6ZbbF9q7sfeature=shared and the other parts in the series. If I stop paying, they can take the house from me and sell it

[@JacobMedinaBakoRealtor]

I’m sure you could offer them some cash to do the deal also. Everything is negotiable. Of course if the need to sell because they can’t afford the payment. They would probably not ask for $$. But my thing is the new owner will be tied to your credit if you did this deal

[@mikejones4200]

How do you find wholly owned properties

[@rtuck27]

What do you mean?

[@bladimirledesma5934]

Title is also making sure there is no liens or back taxes and similar things owned on the home 👍🏽 and the insurance is incase they miss one of those throngs they would have to cover the cost. 👍🏽💪🏽 that’s the point of title insurance also :)

[@bladimirledesma5934]

Title would have to cover for missing anything just to clarify**

[@dannydaze2959]

What happens to the seller when they want to buy a new house? Is the house they’re selling still affecting their debt to income ratio?

[@VeronicaGrimes_tc]

@ Hello!@dannydaze2959 He has discussion this in different videos. You can always JV with a subto student who will have the correct documents. I'm a transaction coordinator . Let me know how can I help you in the future.

[@michaelbrasi3316]

Now can the old owner who still has the mortgage in their name, how are they able to purchase another home since they’re still on the hook for the loan?

[@thestampqueen]

How do you get around people needing to pay off their loans in order to qualify for a new house loan?

[@W1es]

You dont, those wouldnt be a fit for what youre trying to do, but he does mention it in another video.

[@virginial4760]

would the seller not face repercussions if you didn't pay the mortgage since their name is on it?? i'm trying to figure out how they wouldn't be at risk by doing this

[@W1es]

Thats why you have the third party, and the insurance part of the title company kind of, also, you dont just spend all the cashflow on yourself, you save up enough to make payments in case cashflow dissapears, like a tenant moving out or force-eviction etc. You cover the gaps yourself. The seller WOULD face repercussions if they made the deal directly withouth the contract from the third parties on the payments, cause then it would sort of, even if the setup is the same, be just a deal between buddies, and a buddy might screw you over. He literally mentions it towards the ending of the video :)

[@carlosleon9603]

The only thing that I don’t understand is the loan is still under the name of the first owner what’s happens if the second buyer or subto buyer doesn’t make the payments, are going to affect their credit score? Because the loan is still under their names? This is the only question that have me out of the creative finance and no one answer

[@VeronicaGrimes_tc]

Hey @carlosleon9603 I'm a TC Let me know how can I help?

[@jedibrunoehler]

What kind of guarantee or security does the seller have that you are not going to stop paying the mortgage that is still in their name? Because you now own the house and don't have your name on the debt.

[@PhilipMascia]

Exactly my question as well

[@W1es]

He says it in this video, youll need to view it again then, a couple of times....or his walkthrough for dummies as he named it.

[@petsloveonly]

What happens if u couldn't achieve a higher price after rehab and u are short 10-20k buy u still need to pay back the pml/loan? So 200k probate prop and seller accepts 60k downptm then I take out a 100k loan/pml to cover rehab and other costs etc so total all in is 140k to clear seller + 100k pml =240k and house revalues at 220k? Now what do I do?? Huh 🤔

[@_realsavyinvestor]

The most Important question wasnt asked.. Why would the seller do that

[@nellosnook4454]

1. There are two essential elements to this transaction: 2. Seller approval of the contract terms for transferring the seller’s title to the property into the name of the transferee. 3. Legally validating the contract by processing the paperwork through a title company. 4. As to WHY a seller would comply with such a title transfer contract, essentially, it would be for the relief of situational “pain”, or the promise of greater monetary “gain”. 5. And a more personally-preferred, lower-cost, expeditious option than selling the property through a realtor. 6. Especially if the title holder has owned the property for less than two years. 7. Minimal equity & tax implications.

[@PaceMorby]

BRO..... go watch part ONE... holy smokes.

[@_realsavyinvestor]

@Pace Morby I'm not saying you didn't address it. No one asked it. I didn't hear you address it but thanks

[@cesarcano5924]

One thing I don’t understand in dealing is, if the seller who walked away from the property and moves away and tries to get a loan for a home, the lender will see that he is on a mortgage, how is that dealt?

[@W1es]

Unfortunately none of our concern as whatever a seller that agrees to the terms moving on from a Subject to deal wishes to do in terms of a new loan, is possibly two options. Show the bank in question that theyve gone through with a Subject to-deal and show the contract and agreement and possibly proof of payments made by Paces company, and therefore be cleared by the new bank for a new loan, OR just have to deal with the consequence. Subject to deals are for those who just wants to get rid of their houses. Why you would care about the next part of the sellers life, is very strange, though understandable. But the deal is made with the Seller fully in understanding of what the Subject to deal would mean for them as ewll.

[@l_Ryi_l]

There is still a really big problem that keeps getting glazed over. Someone explain to me this. When the mortgage company pays the property taxes from their escrow account and sees that the person that they gave the mortgage to now no longer owns the property (because the deed was transfered), how does this not cause the due on sale clause and completely screw the seller to have to pay the remainder of their mortgage?

[@mauikid633]

Or how about the fact that title companies won't give title insurance on FHA or VA?

[@nechamia]

lots of videos on this. short story is its a risk but a small one and lots of. ways to deal with it if it comes up. great questioin

[@soldier0326]

Same question I had. Would really like to hear this addressed

[@nellosnook4454]

1. I inherited my sister’s house after she passed. 2. As her only heir, I transferred the title to her house into my name. 3. The mortgage company was fine with this. 4. I maintained the mortgage payments without interruption. 5. The ENTIRE premises of Pace Morby’s acquisition strategies is the seller’s full understanding & compliance with the contract terms. 6. In my case, it was a deceased, close family member. 7. No problems with compliance. 8. Otherwise, with a non-relative seller, the seller’s full understanding & compliance with the contract terms is absolutely ESSENTIAL for executing a “Subject To” title transfer contract.

[@427spicey]

The content is beyond inspiring and educational and paradigm altering. Consider leaving out the Vegas slot machine audibles, your content is too important to cheapen it up with those distractions. Thank you very much!!

[@W1es]

Theyre there to trigger your brain to remember the part you just saw or am entering, its conditioning you, hence the fact that you mention them is proof

[@jayk7530]

Treasury Account

[@michaelbrasi3316]

*How

[@sherzodziyakhanov1908]

Why would anyone trust some stranger to take over a mortgage on their name? What insurance do they have to make sure that payments won’t stop going in?

[@cmquidgley]

Is not as simple as you explain it. You can't just change the name on a deed and keep the mortgage on the original owner's name. What about the Due on Sale Clause?

[@rodclarke3491]

Hi Pace, I love you videos. I can't believe how good this stuff is. I would love to reach out to th young guy in this video. Im looking for someone to partner with in the US. Could you please put me in contact with him or if he reads this please reach out to me.

[@rtuck27]

Who needs help getting their first deal?✌🏽

[@jayk7530]

It’s your money because of HJR 192

[@ericedwards9658]

What happens when you stop paying the mortgage and pocket the rent $ you receive? You have ownership without the financial burden.

[@samerqirreh]

It get foreclosed on and you don’t have a house anymore.

[@BADBOYGAMING-op3bs]

Keep in mind, Many mortgages have a "due-on-sale" clause, which means that if the property ownership changes, the lender has the right to call the entire mortgage balance due immediately. In this case, if the lender discovers the ownership transfer, they could potentially demand full repayment of the mortgage. So, Yeah...

[@SpartaCraft22965]

Pace has had that happen 5 times, and his title company has seen it another 5 times, and in every situation they just cleared up the situation with the bank and they were fine as long as someone was paying the mortgage. The due-on-sale clause is automatically triggered by a recorded change in ownership, but no bank actually wants to go through the lengthy and expensive process of trying to do that, especially when the new owner catches up the arrears and is still paying the mortgage.

[@davidstarkpiano]

Who here is buying subto in nj? I have a deal

[@ZacharyPolokoff]

I’m not gonna lie is that a sharpie on the wall?