Subject-To Real Estate Due Diligence Checklist

Property Documentation

• Current deed with all amendments
• Property tax records & payment history
• Home insurance policy & claims history
• HOA documents (if applicable)
• Survey or plot plan
• Certificate of occupancy
• Building permits & violations history
• Previous inspection reports
• Utility bills for last 12 months

Mortgage Verification

• Current mortgage statement
• Payment history (last 24 months)
• Loan terms & conditions
• Interest rate & type (fixed/adjustable)
• Current principal balance
• Monthly payment amount (P&I)
• Escrow details (taxes & insurance)
• Second mortgage info (if applicable)
• Due-on-sale clause verification
• Mortgage insurance requirements

Title Research

• Current title report
• Outstanding liens or judgments
• Easements & encroachments
• Property restrictions
• Zoning compliance
• Chain of title review
• Previous title issues
• Pending legal actions
• Environmental concerns
• Mineral rights status

Seller Verification

• Proof of ownership
• Government-issued ID
• Bankruptcy history
• Tax liens
• Divorce proceedings (if applicable)
• Power of attorney (if needed)
• Employment status
• Current address
• Contact information
• Reason for selling

Property Condition

• Professional inspection report
• Roof condition & age
• HVAC system condition & age
• Electrical system
• Plumbing system
• Foundation status
• Pest inspection
• Mold assessment
• Lead paint test (if pre-1978)
• Asbestos check (if applicable)
• Major systems maintenance history

Financial Analysis

• Current market value
• Comparable sales analysis
• Rental market analysis
• Property tax assessment
• Insurance quotes
• Utility costs
• Maintenance reserves needed
• Potential repair costs
• Cash flow projections
• Exit strategy analysis

Legal Requirements

• Purchase agreement
• Subject-To addendum
• Seller disclosures
• Insurance transfer documents
• Bill of sale
• State-specific forms
• Local transfer requirements
• Recording fees
• Attorney review (recommended)
• Closing document preparation

Risk Assessment

• Market condition analysis
• Neighborhood trends
• Future development plans
• Crime statistics
• Flood zone status
• Natural disaster risks
• Environmental hazards
• Title insurance availability
• Insurance coverage adequacy
• Backup financing options

Property Management Plan

• Rental strategy (if applicable)
• Property manager selection
• Maintenance contractor list
• Emergency contact protocol
• Tenant screening criteria
• Lease agreement template
• Security deposit handling
• Rent collection process
• Maintenance request system
• Accounting system setup

Exit Strategy Documentation

• Refinancing options
• Sale scenarios
• Market timing analysis
• Profit projections
• Tax implications
• Cost of sale estimates
• Timeline considerations
• Alternative exit plans
• Buyer qualification criteria
• Marketing strategy

Important Contacts

• Title company
• Insurance agent
• Real estate attorney
• Property inspector
• Mortgage servicer
• Property manager
• Contractors
• Tax advisor
• Real estate agent
• Closing agent

Follow-up System

• Payment tracking method
• Insurance renewal dates
• Tax payment schedule
• Maintenance calendar
• Inspection schedule
• Document storage system
• Contact update protocol
• Compliance review dates
• Financial review schedule
• Exit strategy timeline

🔔 **Download our complete Subject-To Deal Toolkit, including:

• Editable version of this checklist
• Document templates
• Deal analyzer spreadsheet
• Video training [Link to offer]**

Remember: This checklist is a general guide. Specific deals may require additional due diligence items based on location, property type, and unique circumstances.

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