The “subject to” technique lets you buy a property by taking over the seller’s existing mortgage—without paying it off. You catch up any missed payments, then continue making monthly payments directly to the lender. It’s powerful for deals where the seller is behind on their mortgage and has little equity. Not only does it help you acquire property with bad credit, but it also helps the seller rebuild theirs. We’ve used this strategy in thousands of deals—it’s flexible, effective, and often the most profitable.
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