Bo, that’s a complex situation — when a trust has no active trustee and the bank steps in as successor, it can really complicate creative-finance structures like subject-to.From what I’ve seen, the biggest hurdle is title and consent: most title companies won’t insure a transfer until the bank legally conveys or forecloses, and the lender typically won’t approve a title transfer that keeps their note in place.Some investors will sometimes use short-term bridge capital (through escrow only) to secure control once title clears — essentially a timing solution rather than a workaround for lender consent.Definitely worth looping in a title company that’s handled estate or trust transfers under distress.

Seeing many parallels to "the community" here (you know, the ones who follow the biggest go-giver ever himself).

I would even add that valuations have been a pretty big hurdle across the board.

Moving from “analysis” phase to taking action is the biggest hurdle for most new investors!

The two biggest costs investors face are property taxes and insurance.

Was it credit, experience, ARV, or something else that stopped your funding? I see a lot of good projects miss out on financing just because they don’t fit the standard box. What’s been your experience?

Obviously finding the deals, and at the right price is the hardest hurdle these days.

Appraisal delays, title issues, underwriting backlogs, what’s cost you the most time waiting for a deal to close? Curious which lenders move the fastest in your experience.

Even within that subset of programs there is also likely acreage limiters as well, so I would check with that as well.It might be valuable to reach out to a DSCR broker as there are a few different hurdles to overcome, but it sounds like it might be doable, with realistic expectations.Good luck!

Any insights on timelines, underwriting hurdles?