Subto

Last updated: March 12, 2025

Looking for a way to invest in real estate without traditional financing or using your own capital? Subto real estate might be the solution you’ve been searching for. This creative financing method allows you to take over a property’s existing mortgage, making payments under the seller’s name while legally owning the property. It’s a win-win for both investors and sellers, especially when avoiding foreclosure or securing discounted deals.

Subto financing is ideal if you’re struggling with bad credit or lack the funds for a down payment. By assuming the seller’s mortgage, you can bypass the hurdles of traditional loans and still build your real estate portfolio. Whether you’re a seasoned investor or just starting out, this strategy offers low-risk opportunities and cash flow stability. Ready to explore how subto real estate can work for you? Let’s dive in.

What is subto in real estate​?

Subto, short for "subject to," is a creative financing strategy in real estate where you purchase a property by taking over its existing mortgage without notifying the lender. The seller remains the borrower on record, but you assume responsibility for making the mortgage payments. This method allows you to acquire properties without needing traditional financing or a large down payment.