❓ Frequently Asked Questions – SubjectToDeals.com

📌 1. What is a Subject-To real estate deal?

A Subject-To deal is when a buyer takes control of a property subject to the existing mortgage. The loan stays in the seller’s name, but the buyer gets the deed and starts making payments.

✅ No new loan required
✅ No credit check for the buyer
✅ Often used for distressed or motivated seller situations

🏘 2. Is Subject-To legal in Connecticut?

Yes. Subject-To transactions are legal in Connecticut and across the U.S., as long as all parties fully disclose and agree in writing. We provide CT-specific forms and recommend working with a real estate attorney for proper structuring.

🔐 3. Will the seller’s mortgage remain in their name?

Yes. In a Subject-To deal, the existing mortgage stays in the seller’s name. The buyer takes over the payments and assumes responsibility for the property’s financial upkeep.

💬 4. Will the bank find out?

Possibly. Most mortgages include a Due-on-Sale Clause, which allows the lender to call the loan due upon transfer. However, this clause is rarely enforced when payments remain current. Still, it’s important to understand the risk and have proper documentation in place.

💰 5. How do I make money on Subject-To deals?

You can profit by:

Renting or lease-optioning the property
Selling it to a retail buyer
Assigning the deal to another investor
Holding it for appreciation and long-term equity

📄 6. Do I need a license to do Subject-To deals?

Not in most cases. You don’t need a real estate license to buy and sell your own deals. However, if you’re marketing properties for others or charging commissions, a license may be required.

🚪 7. What’s the first step to getting started?

We recommend:

Learn the strategy – Visit edu.SubjectToDeals.com
Look for leads – Use our Property Scout Agent or browse dashboard.SubjectToDeals.com
Submit your first deal – Use listings.SubjectToDeals.com

🧾 8. Do you provide contracts and documents?

Yes. We offer:

Purchase agreement templates
Seller disclosures
Subject-To clauses
State-specific documents for CT and beyond

📍 9. Is this just for Connecticut?

While we’re based in Connecticut and specialize in local deals, SubjectToDeals.com works nationwide. We help investors close deals across all 50 states.

🤖 10. What are AI Agents, and how do they help me?

Our AI Agents help automate the investing process—lead generation, deal analysis, seller outreach, and paperwork—so you can focus on closing deals faster.

Explore them here: AI Agents Overview

❓ Frequently Asked Questions – SubjectToDeals.com