I have been running a lot of subject-to and wrap deals in Florida for years, but I’m curious how everyone’s making them work right now, what seller terms are actually landing in 2025, any creative clauses or setups that are closing, and how you’re keeping the due-on-sale dragon asleep, just looking to hear what’s working (or flopping) in other markets.

The seller is frantic and calls their lender to tell them you have stolen their house.

Keep things simple and don’t spend money on stupid stuff

The W Call St. property offered a rare opportunity to earn strong returns with minimal risk.

Quote from @Ruchit Patel: @Jay Hinrichs Since this is my first sub2 deal, I need a lawyer who knows how to handle recording and insurance changes without triggering the due-on-sale clause.

Due on Sale, Insurance issues, heirs to worry about would be risks specific to Sub2, not seller financing.

On line 24 you enter the payoff amount.

I have a subject-to offer, but I'm unfamiliar with subject-to's and the due on sale clause issue sounds very risky.

If you do a Wrap, aren't you violating the note's Due on Sale clause?

Quote from @Gabriel Romero: I am relatively new to cold calling and am now focusing on land deals throughout the US.