Everybody who does any serious number of SubTo (Subject To) has had the Due on Sale called a few times.

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

I could more easily see that if one is required to list all ASSETS, then one would have to list the subject property and because the value of the property is listed as an asset the mortgage note needs to be listed as a liability whether or not the subject person is legally “liable”, “responsible” or not.  

Quote from @James McGovern: Is it easy to evict a buyer who purchased via Subject-to?

They can tell you quickly if a subject-to path is even insurable.

Subject To is definitely NOT a “No Money Down” technique”, Here’s why . . .The obvious question is: "How Do I Keep Finding These Smokin' Deals"It costs money to locate a willing seller.

I've been using "Subject To" and other various creative techniques for thirty years and I've learned a few things along the way that may make it easier and less risky if you are trying to use them yourself.1) First, there is no such thing as "zero down".

Outline how they’re secured (first lien, insurance, promissory note, etc.).* Communicate like a pro.

.: Subject To is definitely NOT a “No Money Down” technique”, Here’s why . . .The obvious question is: "How Do I Keep Finding These Smokin' Deals"It costs money to locate a willing seller.

Document EverythingUse contracts that outline exact materials, finishes, and change-order procedures.