We had a couple living there who had convinced the previous owner that they purchased the property through some fake subject to nonsense, but then never made any payments.

In Columbus, Ohio, landlords are generally required to clear snow from areas that are part of the lease or that tenants have a legal right to use safely, like the sidewalks leading to the front door, so it sounds like you’re already covering the most important areas.

Very conservative approach that protects the seller.There is a long thread that covers what I'm talking about atPace Morby Mentorshiphttps://www.biggerpockets.com/forums/79/topics/1001612-pace-...  

All the information I’ve seen about “subject to” is the benefits to the buyer.  

.: Hi BP Community,I’m an active investor here in Jacksonville, focused on creative financing strategies (Subject-To acquisitions) and value-add conversions My latest deal is a Subject-To property we’re renovating into a 7–8 room PadSplit.

The true value is often not what it will appraise for—it is what it will actually sell for on the open market and what a buyer is willing to pay.A lot of times, buyers purchasing properties with the intention of doing a BRRR use sales comps that are more than a quarter mile away from the subject property for refinance appraisal purposes.

For example, has anyone here done a subject-to, wraparound mortgage, or seller-financing hybrid in a similar situation?

As long as it took to get a title report using Subject To.

If your subject (0.5 acres) looks more like the lower end of the lot sizes, value it against those.Only give premium value to land if the market clearly rewards it (rural, equestrian, estate-style, or where people actually shop by acreage).If all comps are bigger (0.75–1.25 acres), we mentally adjust down a bit, not a percentage, just enough to keep our ARV conservative.

.• $60k purchase• $35k rehab• $95k total rehab loan payoff• 15% deposit = $14,250 "down payment"• $126k ARV (confirmed via refinance appraisal, borrower expected this to be higher)• 80% rate/term refinance ($100,800 loan) @ 6.75% [700-719 FICO]• Applied $4k of deposit to payoff for an updated payoff amount of $91k• Cover closing costs with 80% r/t refi + $2k back to borrower at closing (still considered a r/t refi if under $2k) + remaining $10,250 deposit reimbursed after payoff = $12,250 total back to borrower• $4k of his deposit + closing costs for rehab loan = his "cash" in the deal• $1,250 market rents• Total PITI = $765.62• DSCR = 1.6327 I do not see the hold costs.