Creative Financing Secrets: Mastering Subject To Deals, The Legality of Subject To: Insights from William Tingle

1. Overwhelm from too much information and complex strategies: Many real estate courses and gurus push for buying many houses quickly, leading to constant "hustle and grind" that can be overwhelming.
2. Difficulty achieving financial freedom without constant work: Traditional real estate methods like wholesaling are described as "high-paid jobs" where income stops if you stop working.
3. Lack of resources for "subject to" deals: Many real estate professionals struggle to find reliable information or places to send clients interested in or needing help with "subject to" transactions.
4. Sellers needing to sell but lacking equity or funds for closing: Homeowners with little or no equity, or those who can't afford closing costs, struggle to sell their properties through traditional methods.
5. Misconceptions about the legality of "subject to" deals: Many people, especially attorneys and real estate agents, wrongly believe that "subject to" transactions are illegal.
6. Finding "subject to" deals: Investors often wonder where to locate sellers who would be open to these creative finance methods.
7. Resistance and negative sentiment from traditional real estate agents and brokerages: There's a "love-hate" relationship, with agents sometimes actively discouraging working with investors, even when transactions are ethical and transparent.
8. Impending restrictive legislation: New proposed laws threaten to limit how individuals can communicate with property owners to purchase property without a licensed agent or if they don't intend to occupy it, potentially making direct investor-to-seller interactions illegal.

1. The pressure to "hustle and grind" can lead to burnout and make real estate investing seem like an unsustainable path to financial freedom.
2. Without passive income, investors remain tied to their work, defeating the purpose of seeking financial independence.
3. The lack of clear, accessible information on "subject to" deals means many miss out on profitable opportunities and solutions for motivated sellers.
4. Homeowners facing situations like job transfers, divorce, or foreclosure are stuck and desperate, unable to sell their homes the traditional way, leading to more stress and potential financial ruin.
5. False beliefs about the legality of "subject to" transactions create unnecessary barriers and mistrust, preventing mutually beneficial deals from happening.
6. Struggling to find "subject to" deals means missed opportunities for investors to acquire properties with no money down and create cash flow.
7. The animosity from traditional real estate professionals can hinder growth and collaboration, leading to missed sales for agents and tougher deal sourcing for investors.
8. Restricting direct communication and transactions would severely limit options for both buyers and sellers, especially those in unique or distressed situations, and could make many legitimate real estate investment strategies illegal, hindering the overall real estate market.

1. A Simple, Achievable Blueprint: The "12 House Blueprint" focuses on buying just one house a month using the "subject to" method and selling with seller financing. This avoids the overwhelm of complex strategies, making financial freedom digestible and achievable.
2. Financial Freedom Through Cash Flow: By focusing on one carefully selected house a month, investors can replace their job income within a year, make six figures within a year, and potentially over half a million dollars a year within three years, all without needing banks or a lot of money up front. This provides consistent cash flow, allowing for true financial freedom without constant hustling.
3. Understanding "Subject To" (Sub2) Deals: "Subject to" means buying a property where the existing financing stays in place. The buyer gets the deed and takes over the payments on the seller's mortgage. This allows for purchasing properties with no equity or no money down, as the new owner takes on the existing loan. This is legal and even has specific lines on HUD and Alta forms (203 or 503) to confirm its legitimacy.
4. Why Sellers Agree to "Subject To": Sellers agree to "subject to" deals due to various motivations beyond just financial distress. These include needing to relocate quickly for a job, avoiding foreclosure, or simply wanting to get rid of a property with negative memories, even if they have good credit or equity. The key is to listen to the seller's story and present a simple, direct solution that meets their specific needs, like taking over payments and providing moving money.
5. Effective Marketing for "Subject To" Deals: William finds these deals primarily through radio advertising and door knocking, especially targeting people in foreclosure. The approach is to offer help, not just a purchase, which disarms sellers and builds trust.
6. Valuable Resources and Coaching:

• The 12 House Blueprint Book: Available at 12houseblueprintbook.com (with bonuses) or on Amazon (paperback and Kindle).
• The Sub2 Deal Show Podcast: Found at sub2tv.com (video version) or on Apple, Google Podcast, and Stitcher by searching "The Sub2 Deal Show." It covers creative finance and "subject to" topics.
• YouTube Channel: sub2tv.com offers over 800 free training videos on various aspects of the business.
• Coaching Programs:
• $7 Coaching: $7 a month, with weekly Q&A lives.
• Max Platinum (Premium Coaching): Includes one-on-one monthly coaching, William's direct phone number for deal discussions, and a JV partner program where William will put up the money for deals that make sense, providing an added layer of security and mentorship.

1. Fighting Back Against Restrictive Legislation: While challenging, the best way to fight against laws limiting direct real estate transactions is to contact local representatives and express concerns. It's important to differentiate responsible investors from "bad actors" and advocate for solutions that punish individuals for specific harmful actions rather than blanket restrictions that hurt the entire industry.

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