Shows
Sub2Investor#72 - Major Sub2 Update: Leveling Up My Real Estate Investing Game!Hans shares a candid update on his real estate journey over the past 9–12 months, detailing the shift from solo investing to building a predictable, scalable business acquiring and selling cash-flowing properties through creative finance.He covers lessons from expanding into Texas (wraparound mortgages, seller financing, specialized title and note processes) and applying those strategies in St. Louis, including subject-to deals, wraparounds, and selling via lease options or seller financing. Hans emphasizes sticking to one market for replicability and deep knowledge.Key insights include:Using joint venture (equity partner) models to reduce debt risk...
2026-02-1827 minSub2Investor#71 - Lead Generation Secrets with Nicholas Nick from Lead Mining ProsHans interviews Nick, founder of Lead Mining Pros, a done-for-you lead generation service for real estate investors. Nick shares his journey from restaurant management to making over 18 million cold calls, emphasizing high-quality American callers for competitive markets and selective foreign callers for high-volume needs.Key takeaways:Outsourcing lead gen frees time for closing deals, avoiding in-house VA/software headachesCall every lead; even lukewarm or negative responses can convert with follow-upThe three-offer method: cash → novation → creative finance (like sub-to)Combining texting (quantity) and calling (quality) beats direct mail/Face...
2026-02-1549 minSub2Investor#70 - How to Analyze Owner Financing Deals - DETAILED Live BreakdownHans analyzes a real owner-financed opportunity in the St. Louis market—a 4-bed, 2-bath home listed for rent at $1,900/month—sourced directly from a Zillow for-rent ad.The episode walks through fast due diligence, rental comps, and fair market value estimates, including a key risk factor: a slab foundation with no basement, which impacts buyer demand and resale. Using the Sub2 Deal Evaluator, multiple scenarios are modeled with ~5% down and creative seller-financed exits.You’ll learn:How to analyze Zillow rental leads in real timeConservative cash flow thresholds ($400+/month)Stru...
2026-02-1133 minSub2Investor#69 - How Wyatt Reed Built a 150+ Property Empire with Seller FinancingWyatt Reed shares how he went from factory worker in small-town Tennessee to owning 150+ properties using creative finance and seller financing.After early flips left him cash-poor, Wyatt pivoted to a model that blends BRRRR-style acquisitions with back-end seller financing—often using land contracts—to generate strong monthly cash flow while acting as the bank instead of a landlord.In this episode, Wyatt breaks down:Combining BRRRR with seller financing for flexible exitsAnchoring low offers before pitching creative termsMinimal rehabs focused on essentials onlyIdeal prop...
2026-02-0859 minSub2Investor#68 - Sub2 ILLEGAL Now?! Debunking the Fear, Fraud & FactsHans debunks claims from a popular Airbnb influencer alleging that subject-to (sub2) real estate deals are illegal and constitute conspiracy to commit mortgage fraud.The influencer argues that systematically targeting sellers for sub2 deals and concealing transfers from lenders violates due-on-sale clauses, risking legal action. Hans counters with evidence: HUD-1 settlement statements and closing disclosures include line items for sub2 transactions, suggesting federal recognition.A specialized attorney’s document clarifies that due-on-sale clauses grant lenders the option to accelerate loans but do not prohibit transfers or constitute fraud. Lenders rarely enforce these clauses if payments ar...
2026-02-0425 minSub2Investor#67 - Master Seller Financing & Dodge Dodd-Frank Traps with Dan Deppen (with Call the Underwriter)Hans interviews Dan Deppen from Call the Underwriter, a service ensuring compliance for seller financing in real estate.Dan explains the importance of underwriting to vet borrowers’ ability to repay, particularly for owner-occupied loans under Dodd-Frank, which sets a low bar for compliance but requires validating income and providing TRID disclosures (Loan Estimate and Closing Disclosure). Lease options require upfront underwriting to ensure future compliance if converted to seller financing.Ideal borrowers include self-employed individuals with decent credit (620+) or ITIN borrowers with consistent payment histories. Contracts for deed face the same regulations as traditional mortgages. Pr...
2026-02-0156 minSub2Investor#66 - Blueprint to Financial Freedom Using Creative FinanceHans shares a clear blueprint for scaling massive passive income through creative finance, emphasizing subject-to purchases and seller financing.For beginners, he outlines a two-year plan: Year 1 involves securing 7 deals (1 in Q1, 1 in Q2, 2 in Q3, 3 in Q4) at $400/month cash flow each, totaling $2,800/month. Year 2 targets 12 deals (1/month), adding $4,800/month, for a total of 19 deals and $7,600/month after two years. Benefits include low/no-money-down acquisitions, long-term buyer retention, and equity spreads from amortizations or payoffs.Hans stresses avoiding shiny object syndrome, focusing on a clear vision, and leveraging seller financing over landlording for scalable...
2026-01-2823 minSub2Investor#65 - Sub2 Cash Flow with MLS Deals! No-Cost Strategy for Beginners!Hans explains why targeting on-market MLS listings is a top strategy for finding subject-to deals in June 2025, especially for beginners.With rising interest rates and slower markets, motivated listing agents—eager for commissions—act like motivated sellers, making them ideal partners for creative finance deals. Benefits include: 1) Agents’ motivation to close, 2) Free practice handling objections, 3) Sellers signaling intent to sell, 4) Properties in good condition, and 5) Agents aiding negotiations. While commissions (2.5-3%) must be paid, Hans prioritizes full agent fees and uses his deal evaluator to determine cash offers to sellers.This no-cost marketing channel lets beginn...
2026-01-2521 minSub2Investor#64 - Buyer Paid Me OFF on Seller Financing! Was This a WIN or a LOSS?Hans dissects a deal where a buyer refinanced out of a contract for deed on a duplex, paying him off with a $12,000 check after 3 years, netting $35,661 total profit.Purchased via seller financing from a tired landlord for $5,000 down at 5% interest, the duplex was sold to an investor for a $29,000 down payment, yielding $212/month cash flow. While losing monthly income is a downside, Hans highlights the win: a near-infinite return on a $11,000 investment, avoiding landlord hassles like maintenance and tenant issues. Challenges included finding a lender for the refinance and navigating an uncooperative underlying seller. Hans a...
2026-01-2121 minSub2Investor#63 - How I Turned a Rural Sub2 Deal into a BANGER! | Real Deal BreakdownHans breaks down a stellar subject-to deal in a rural Illinois town with a Walmart supercenter, sourced from an expired MLS low-equity list.The seller, eager to travel, handed over a $238,000 house with a $213,000 loan at 2.99% interest. Hans paid $25,000 cash to the seller, closed with $1,400 in costs, and sold it on a contract for deed for $259,000 at 6.92% with a $26,000 down payment, yielding a $611/month cash flow spread. With no repairs needed, this deal projects $68,000 profit at 5 years, $115,000 at 10 years, and $223,000 at 30 years.Hans emphasizes the power of seller financing over landlording for passive income, leveraging...
2026-01-1814 minSub2Investor#62 - I TOOK MY HOUSE BACK! Creative Finance Gone WRONG?!Hans dives into the reality of taking back a property sold via lease-option or seller financing (contract for deed or wrap mortgage), a scenario that occurs in roughly 5-10% of deals due to life events like job transfers or divorces.Downsides include: 1) Emotional/time involvement, 2) Potential property damage costs, and 3) Debt liability during vacancy. However, upsides are significant: 1) It’s like a new acquisition without marketing, 2) New down payment/option fee recoups costs, 3) Principal paydown on underlying debt, 4) Market appreciation boosts value, and 5) Resetting the amortization clock increases profit spreads.Hans emphasizes building a robust po...
2026-01-1418 minSub2Investor#61 - Contract for Deed vs. Mortgage Wraps: Which is a BETTER Creative Financing Strategy?Hans compares contract for deed (CFD) and wraparound mortgages for seller financing, detailing their pros and cons for generating passive income.CFDs keep the seller as legal title holder, offering: 1) Eviction options for defaults (under 20% equity), 2) Quick closings, 3) Lower costs, and 4) Simpler handling of underlying debt. However, CFDs face: 1) Insurance complications, 2) Utility issues, 3) Perception as an inferior product, 4) Buyer selling complications, 5) Refinancing challenges, and 6) Lower note value. Wraps convey title to the buyer, providing: 1) A superior product, 2) Higher down payments/rates, 3) Streamlined structure, and 4) Higher note value. Downsides include: 1) Due-on-sale clause risks, 2) Higher costs, 3) Complexity/time, and 4...
2026-01-1124 minSub2Investor#60 - 10 Reasons I LOVE Lease-Options (My Go-To Sub2 Strategy)Hans reveals why lease-options are his go-to exit strategy for creating passive income this 2025.Combining a lease agreement with a separate option-to-purchase contract, lease-options shine for: 1) Testing tenant-buyers for reliable payments, 2) Securing 3-5% option fees for skin in the game, 3) Allowing evictions for non-payment (unlike seller financing), 4) Enabling fast deal execution, 5) Avoiding closing costs, 6) Being easy to explain to buyers, 7) Using simple paperwork, 8) Aligning with tax strategies for investment properties, 9) Supporting installment sale tax benefits, and 10) Deferring taxes on option fees until exercised or forfeited.Learn why lease-options pair perfectly with subject-to acquisitions for massive...
2026-01-0718 minSub2Investor#59 - How I Actually Attained Financial Independence using Creative FinanceHans shares his journey to Level One Financial Independence—covering basic expenses with passive income—in just 2.5 years through creative real estate investing.Inspired by Bigger Pockets, he initially aimed for 20 long-term rentals to generate $4,000/month but found them unreliable due to vacancies and maintenance. Shifting to subject-to deals and selling via seller financing or lease options, Hans built a portfolio of 30 deals, averaging $400/month each, yielding over $12,000/month in passive cash flow.By focusing on A/B-class properties, sacrificing short-term wholesale/flip income, and leveraging mentorship, he achieved financial freedom.Learn how to c...
2026-01-0429 minSub2Investor#58 - How I Turned a Small-Town Deal into a Fortune: A Sub2 MasterclassHans dives into a real subject-to deal in a rural area, breaking down how he turned a low-equity "clean grandma's house" into a projected $64,000 profit over 10 years.Sourced from a field agent’s delinquent loan list (and nearly from an expired MLS listing), this $80,000 FMV property (ARV $120,000) had a $74,000 loan at 5.125% with no PMI.With $12,000 upfront (closing, cleaning, $6,500 arrears), Hans sold it on a contract for deed for $110,000 at 8.25% with a $9,000 down payment, yielding $380/month cash flow and a 126% cash-on-cash return after 9.5 months.The mistake? Setting the interest rate too low—9.95% could’ve booste...
2025-12-3123 minSub2Investor#57 - Discover the Mindset Hack That Changed Everything for Me in Real EstateHans shares a powerful mindset hack that transformed his real estate business: a visualization exercise inspired by investor Cameron Cathcart.Struggling with distractions and pivoting between strategies (wholesaling, rentals, seller financing), Hans adopted this daily routine to stay focused.Close your eyes, imagine being lifted to Earth's orbit, then transported to your dream home 10 years from now. Meet your future self, explore their life, and ask: What steps got you here? What should I do now? This introspection helped Hans set clear 1-, 5-, and 10-year goals, prioritize hiring a team, take calculated risks, and...
2025-12-2814 minSub2Investor#56 - Cracking the MLS Code: How I Landed a Subject-to Deal with Cold CallingHans shares a real cold call to a real estate agent that led to a successful subject-to deal on an on-market property!Listen as he breaks down the conversation, explaining how he builds credibility, cuts to the chase with a creative offer, and addresses the seller’s debt-to-income (DTI) concerns with a mirror wrap (non-qualified assumption).Despite initial resistance (the seller wanted a formal VA loan assumption), Hans persisted, sent a formal offer with subject-to addenda, and closed the deal months later at a reduced 3% commission after the property sat unsold.Learn tips fo...
2025-12-2424 minSub2Investor#55 - Subject-To Deal Breakdown: Crunch Numbers Like a Pro (Live Deal Example!)Hans walks through a live subject-to deal analysis in Houston using his upgraded Deal Evaluator (v6.0)!This $240,000 ARV home has a $230,000 loan balance (4% interest, $1,785 PITI) with $14,000 cash to the seller, $5,000 closing costs, and $1,000 repairs, totaling $20,000 upfront. Hans estimates a $264,000 seller-financed sale with an 8% down payment ($21,200) at 8.5% interest, yielding $769/month cash flow and a 47% cash-on-cash return if self-funded.With a $35,000 equity partner (50/50 split, $21,200 returned), Hans achieves an infinite ROI, while the partner gets a 23% return on $11,586 left in the deal. Best-case scenario (10% down, 10% interest, 3-month hold, no agent): $621/month cash flow and near-infinite partner return!
2025-12-2124 minSub2Investor#54 - Infinite ROI: How We Leveraged a Private Money Partner on a Subject-To Deal (Subto)Hans breaks down a subject-to deal that delivered an infinite cash-on-cash return by partnering with a private money lender!This pre-foreclosure deal required $25,000 to catch up $18,000 in late payments and fund $7,000 in rehab for a $120,000 home. By structuring a 50/50 equity partnership via a land trust, Hans’ LLC and the partner’s LLC split profits, with the partner contributing $25,000 and recouping $15,000 from a buyer’s down payment, leaving $10,000 in the deal.Sold on a land contract for $135,000 at 9.83%, it generated $584/month cash flow ($292 each after split), yielding a 35% return for the partner and infinite ROI for Hans.
2025-12-1724 minSub2Investor#53 - How to Screen Tenant-Buyers for Rent-to-Own & Seller Financing DealsHans shares his proven process for screening tenant-buyers for rent-to-own and seller-financing deals on subject-to properties.Learn how to pre-screen candidates via phone to save time, focusing on their rental history, employment stability, credit patterns, and landlord references. Discover key red flags like evictions or frequent job changes, and why credit scores matter less than consistent rent payments. Hans previews his rent-to-own application, emphasizing verification through bank statements, Zelle screenshots, and landlord reviews.Stay tuned for a follow-up on seller-financing screening!Get his application and coaching at https://www.sub2investor.com/.
2025-12-1421 minSub2Investor#52 - Sub2 Truth Bomb: When to Disclose Risks to the Seller (Subto Investing)Hans tackles the tricky topic of when and how to disclose subject-to risks to sellers, like the due-on-sale clause and the loan staying in their name.Learn from his mistakes—overdisclosing too early and losing deals, or underdisclosing and surprising sellers at closing. Hans shares his five-step disclosure process: initial talks, purchase agreement, addendum, pre-closing emails, and closing documents.See his purchase agreement and due-on-sale disclosure statement, plus tips on using video-recorded exit interviews to protect all parties.Get his free purchase agreement and subject-to closing packet at https://www.sub2investor.com/!...
2025-12-1016 minSub2Investor#51 - Sub2 Deal Breakdown: 69% Cash-on-Cash Return on 5.125% Subto LoanHans dives into a real subject-to deal, his 13th, showcasing a 69% cash-on-cash return!This two-bedroom St. Louis home was acquired for $114,000 via text message marketing, with a $103,000 loan balance at 5.125% and $11,000 cash to the seller. With $5,000 in minor rehab (paint, deep cleaning, landscaping) and $1,000 in closing costs, Hans invested $17,000 total.A lease-option tenant-buyer paid $10,000 down, leaving $7,000 in the deal, with a $400/month cash flow spread ($1,300 lease payment vs. $900 mortgage). The back-end spread is $24,000, projecting $76,000 profit over 10 years.Learn why two-bedroom homes are tougher to market and how to underwrite deals for comps and...
2025-12-0719 minSub2Investor#50 - How to Find Seller-Finance BUYERS for Your Sub2 DealsHans reveals his top strategy for finding tenant-buyers and seller-finance buyers for subject-to and creative finance deals!Learn how to use bandit signs effectively to generate leads for lease-options and seller-financed properties. Hans shares real-world examples, including sign placement tips near schools, shopping centers, and high-traffic areas, plus pro tips on messaging ("rent-to-own" vs. "seller financing") and CRM use to track leads.See actual signs and video clips of strategic placements that drove hundreds of calls in just two weeks!Visit https://www.sub2investor.com/ for free resources and coaching....
2025-12-0317 minSub2Investor#49 - How He Found His FIRST Subto (Sub2) Deal Via Online Video GamesJoin Hans and first-time subject-to investor Ray as they unpack a creative finance gem! Ray, a Seattle-based real estate photographer, snagged his first subject-to deal in Grand Rapids, Michigan, through a 17-year friendship forged in online gaming. This hybrid deal—$205,000 purchase price, $125,000 subject-to loan at 3%, $40,000 cash down, and $40,000 seller-financed (0% interest, $15,000 15-year balloon, $25,000 due in 30 years)—required $50,000 in rehab but promises equity and cash flow.Learn how Ray navigated paperwork, title companies, and due-on-sale risks with Hans’ mentorship, turning a casual conversation into a win-win deal. Discover tips for finding motivated sellers and why creative financing beats conventional loans...
2025-11-3054 minSub2Investor#48 - Lease-Options & Creative Finance Strategies with Bill WalstonJoin Hans and creative finance guru Bill Walston as they dive into lease-options and master lease-options! With over 40 years of experience, Bill shares why lease-options are perfect for low-risk acquisitions in shaky markets and hands-off dispositions.Learn how to structure deals with minimal upfront cash, avoid tax pitfalls, and manage risks remotely. Discover insider tips on paperwork, option fees, and tenant screening to maximize profits. Tune in for actionable strategies at https://www.sub2investor.com/!Watch at YouTube.com/Sub2Investor and leave a 5-star review. Thanks & peace!
2025-11-261h 18Sub2Investor#47 - $85,000+ Profit on Subject-To Manufactured Home Deal (Real Sub2 Deal Breakdown)Hans dissects his 11th subject-to deal, a manufactured home purchased for $132,000 with a $124,212 first loan (4.25% interest, $807/month PITI) and a $5,000 non-interest-bearing partial claim second lien, totaling ~$130,000 in debt. Found via expired low-equity listings, the seller, over-leveraged and out-of-state, required no cash upfront, with $1,100 closing costs and $1,700 rehab expenses (inspection, cash-for-keys, landscaping, cleaning). Despite squatter issues (see Episode 45), Hans hired a realtor ($3,500 commission) to sell remotely on a contract for deed for $140,000 ($7,000 down, 5%, 9.91% interest, 30-year term, $1,300/month PITI), yielding ~$500/month cash flow. Front-end profit was negative $1,797 after costs. Over 10 years, the deal projects $59,000 in cash flow (interest income) and a $31,469...
2025-11-2316 minSub2Investor#46 - Will this Subject-To Deal Work as a Long-Term Rental? (Real Sub2 Deal Analysis)Hans analyzes a hybrid subject-to deal in Columbus, Ohio, with Josh, a first-time investor, using the Deal Evaluator’s long-term rental tab. The duplex, under contract for $450,000, has a $411,000 subject-to loan (4% interest, $2,015.70 P&I, $2,550 PITI with PMI) and a $19,000 seller carry note (6.5%, ~$125/month, 7-year balloon, potentially negotiable to 0% over 10 years). Costs include $20,000 down, $2,000 closing, and $80,000 rehab. Current rents are $1,225-$1,350/unit, but market rents average $1,850-$2,200/unit. Keeping one tenant at $1,500 and rehabbing the other for $2,000 yields $3,700/month. With conservative expenses (10% management, 5% vacancy, 5% repairs, $100 utilities, $50 landscaping), cash flow is ~$410/month (5.49% cap rate, 5% cash-on-cash return on $100,000 invested). At $2,000/unit, cash fl...
2025-11-1946 minSub2Investor#45 - Subject-To Nightmare: The Dangers of Doing Deals REMOTELY (Happy Ending!)Hans recounts his 11th subject-to deal, a manufactured home 3.5 hours from his base, acquired via expired low-equity listings (LTV ≥80%) through postcard marketing. With a mid-4% interest rate loan, the deal promised strong cash flow. Closed remotely, Hans faced chaos: two squatters moved in without paying option fees or rent. The first squatter left after sheriff intervention, but the second, vouched for by a deceptive landlord, also squatted, requiring further sheriff action. Learning from these setbacks, Hans hired a realtor (3% commission) for boots-on-the-ground presence, who marketed the property and found a legitimate seller-finance buyer via Facebook Marketplace. Now cash flowing $500/mo...
2025-11-1614 minSub2Investor#44 - Private Money Lending for Subject-To Deals (Short, Mid & Long Term!)Hans dives into funding subject-to deals with private money, addressing cash needs for seller payments, closing costs, or agent fees when upfront capital is required. He outlines three strategies: 1) Short-term gap funding (3-6 months, interest-only), e.g., borrowing $20,000, repaid with $2,000 interest upon receiving a $25,000 option fee or down payment, ideal for quick lease option or seller-financed exits. 2) Mid-term lending (3-7 years, amortized), e.g., borrowing $30,000, repaying $15,000 from a down payment, and amortizing the remaining $15,000 at 18% over 5 years with monthly principal and interest payments, suitable when full repayment takes longer. 3) Long-term equity partnerships, where an investor buys into a trust...
2025-11-1214 minSub2Investor#43 - Deal or No Deal? Can I Make a 7% Interest Rate Work on a Sub2 (Subto)?Hans analyzes a potential subject-to deal with a community member using his Deal Evaluator software, in a "Deal or No Deal" breakdown. The property, a pending Texas home listed at $220,000 (estimated fair market value $215,000), has a $203,000 loan at 7.25% interest (originated August 2023, 30-year term, $1,376 P&I, $1,884 PITI) with $5,700 in arrears. Front-end costs include $5,000 to the seller, $6,000 agent commission, $4,500 closing costs, and $2,000 private money lender (PML) fees, totaling $17,500. Borrowing $33,000 at 1.75% monthly interest for 6 months adds $577.50/month, with holding costs of $14,558. Selling on seller financing at $225,500 (5% markup), 10% down ($22,550), and 9.5% interest yields $323/month cash flow. However, negative equity (~$10,000) and $15,000 net loss after down...
2025-11-0918 minSub2Investor#42 - Best List for Finding SUB2 Deals using PropStreamHans reveals his go-to strategy for finding off-market subject-to deals using PropStream, bypassing MLS access. He walks through pulling an expired low-equity list, targeting failed listings (expired, canceled, or withdrawn) from the past 1-3 years with a loan-to-value (LTV) of 70-80% or higher (equity ≤30%) and max equity of $75,000. Focusing on single-family homes (3+ bedrooms) in markets like Atlanta, Kansas City, or Milwaukee, Hans filters for individual owners and caps property values at $400,000 to ensure affordability and quick disposition. This yields 100-200+ leads per market, ideal for postcards, calls, or texts. PropStream’s List Automator updates lists automatically, and despite ~80-90% accu...
2025-11-0521 minSub2Investor#41 - Duplex Flip Shenanigans - How We Made $42,000 with NO Banks!Hans breaks down his 10th creative finance deal, a seller-financed duplex acquired via a wholesale referral. Purchased for $110,000 ($5,000 down, $105,000 note at 5% interest, 7-year balloon, $563/month), the duplex in an A-class area needed moderate rehab. Instead of renting both units, Hans marketed it to investors and sold it on a contract for deed for $145,000 ($29,000 down, 6.4% interest, 6-year balloon). After $12,000 total costs ($5,000 down, $5,000 to wholesaler, $2,000 closing/holding), Hans netted $17,000 upfront profit, ~$200/month cash flow ($12,000 over 6 years), and a $13,000 back-end spread when the buyer refinances, totaling $42,000 profit. No banks involved!Hans shares the promissory note and deed of trust, crafted...
2025-11-0320 minSub2Investor#40 - Struggling to Find Motivated Sellers for Creative Finance Deals? (MUST LISTEN!)Hans introduces a powerful pay-per-lead tool, iSpeedToLead, revolutionizing lead generation for creative finance deals, particularly subject-to transactions. This platform allows investors to buy exclusive or shared motivated seller leads generated via Google, Facebook, YouTube ads, or SMS, bypassing the need to manage complex marketing campaigns. Hans highlights how to filter for subject-to candidates: target sellers behind on mortgage payments, owning properties for 2-9 years (less equity), with urgent motivations like financial distress or relocation. With iSpeedToLead’s Coupon Club ($200/month), leads cost just $29 each (refundable if invalid), and Hans’ promo code SUB2INVESTOR grants $225 in credits for ~10 free leads. He e...
2025-10-2920 minSub2Investor#39 - Cashflow Freedom with Minimal Work - REAL LIFE Sub2 Deal BreakdownHans dives into his ninth subject-to deal, a St. Louis rental property acquired from an expired low-equity listing (LTV >80%) via PropStream. Purchased for $121,000 ($116,000 loan at 2.875% interest, 40-year amortization, $566/month PITI, plus $5,000 cash to seller), the property had a tenant paying $1,200/month, yielding $634/month cash flow. After $6,000 front-end costs ($5,000 to seller, $1,000 closing), Hans recouped $5,706 in 9-11 months via rent, despite an eviction. A lease option followed ($2,500 option fee, $1,100/month rent, $130,000 option price), netting $4,280 over 7 months. To avoid landlord duties, Hans partnered with a professional landlord, transferring 50% trust ownership for a $5,000 buy-in. The landlord manages tenants, repairs, and bookkeeping, targeting $1,500/month...
2025-10-2623 minSub2Investor#38 - Creative Finance & Taxes with Bill Walston (Subto, Seller Financing, Lease Options & MORE!)Hans welcomes tax strategist and seasoned investor Bill Walston to dive into the tax implications of creative finance deals. Bill, a former CPA with a master’s in tax law, shares his expertise on structuring subject-to, seller financing, lease options, and contract-for-deed deals to minimize tax liability. Key takeaways include: avoiding dealer status to escape high ordinary income and self-employment taxes (15.3% on profits); leveraging installment sales for contract-for-deed and seller financing to spread capital gains and depreciation recapture over time; and using lease options to reinforce investor status, reducing tax risks. Bill’s acquisition hierarchy prioritizes subject-to for tax bene...
2025-10-221h 27Sub2Investor#37 - Secret Weapon for Seller Financing Deals: Calculator & Offer Template RevealedHans breaks down a real seller financing deal, sharing his upgraded Deal Evaluator 2.0 and a multi-option Letter of Intent (LOI) for a high-equity absentee owner lead. Starting with a $100,000 cash offer, Hans pivots to four seller financing proposals, ranging from $132,000 to $160,000, with down payments of $6,000–$10,000, terms of 5–7 years, and a principal-only 0% interest option. He walks through inputting numbers into the Deal Evaluator, calculating front-end expenses ($13,500), holding costs ($6,000), and private money lending costs ($1,500), projecting a $527/month cash flow and $45,000 net profit over five years. The principal-only offer could nearly double profits to $90,000 by minimizing interest.Learn how to craf...
2025-10-1927 minSub2Investor#36 - Seller Dies in Subject-To Deal: What Happens to my Investment?Hans tackles viewer questions from YouTube comments, diving deep into critical subject-to (Sub2) real estate topics. He addresses a key concern: what happens if the seller passes away in a Sub2 deal? With proper paperwork like a deed, third-party authorization, and limited power of attorney, your investment is secure, eliminating liability concerns. Hans also discusses wholesaling Sub2 deals, advising caution due to potential long-term seller contact. He explains setting up autopay for mortgage payments using the seller’s login credentials and a business checking account, minimizing lender interaction. Other topics include handling HOA restrictions via title company documents and by...
2025-10-1515 minSub2Investor#35 - The Art of the Subject-To Mastery - Watch Me Negotiate LIVE with a SellerHans takes you inside a live phone call with a subject-to seller, demonstrating how to navigate objections and clarify the Sub2 process. The seller, an out-of-state homeowner with a low-equity expired listing, mistakenly believes Hans proposed a formal loan assumption. Hans calmly corrects this, explaining that Sub2 involves a non-qualifying assumption, taking title while leaving the FHA loan in place, secured by third-party authorization and limited power of attorney. Facing the classic objection—“What if you stop making payments?”—Hans responds with brutal honesty, emphasizing his financial stake and track record of never missing payments on over 30 loans. The seller...
2025-10-1219 minSub2Investor#34 - BRRRR vs Sub2 - Which Strategy Made Me More $$$ in Real Estate?Hans dives into his first real estate investment, a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) deal in St. Louis, and compares it to his first subject-to (Sub2) deal to reveal why creative finance became his go-to strategy. Purchased for $52,500 cash with a $20,000 rehab, the BRRRR deal required months of hands-on work—skim coating walls, painting cabinets, and replacing flooring—only to refinance $60,000, leaving equity untapped. The process took six months, demanded tenant management, and taught Hans the limits of scalability. In contrast, his first Sub2 deal required 1/20th the effort, no personal funds, minimal rehab, and delivered cash flow with...
2025-10-0832 minSub2Investor#33 - Subject-To Deals on a Budget? FREE Strategy & Script Revealed!Hans shares a powerful, cost-free strategy for finding subject-to deals by targeting for-sale-by-owner (FSBO) listings on platforms like Zillow, Facebook Marketplace, and Craigslist. Learn how to scrape FSBO leads using Zillow’s “by owner” filter, compile property details into a spreadsheet, and leverage tools like PropStream for equity estimates. Hans unveils his FSBO workflow template, a systemized text message sequence to engage sellers without wasting time, starting with a friendly inquiry and escalating to a bold creative finance offer (e.g., taking over mortgage payments). With a 7-day delay to avoid the realtor frenzy and persistent follow-ups, this episode equips...
2025-10-0614 minSub2Investor#32 - Close More Deals with Creative Finance! The Ultimate Sub2 Sales Script (Seller Financing)Hans reveals his battle-tested creative finance sales script for closing subject-to and seller-financing deals. This episode breaks down the five key pillars to qualify leads: property condition, seller motivation, timeline, price, and encumbrances (liens or mortgages). Learn how to initiate conversations, whether cold-calling, following up on expired MLS listings, pre-foreclosures, or for-sale-by-owner properties. Hans shares techniques like mirroring, asking non-intrusive questions, and presenting lowball cash offers to pivot to sub2 offers, ensuring sellers feel heard and in control. From probing for motivation to securing mortgage details, this script guides you to identify motivated sellers and structure win-win deals. A...
2025-10-0123 minSub2Investor#31 - Sub2 Real Estate Mastery: Your FREE "Master Plan" for Creative Deals!Hans unveils his 7-step master plan for subject-to real estate investing, a proven blueprint for generating massive cash flow and backend equity spreads with creative finance. Extracted from his Complete Beginner’s Guide to Creative Real Estate Investing course, this episode breaks down the process: 1) Generating leads through persistent marketing, 2) Managing leads to identify motivated sellers, 3) Quickly evaluating deals with comps and calculators, 4) Securing contracts with minimal earnest money, 5) Thoroughly assessing deals with professional inspections, 6) Closing efficiently with proper sub2 disclosures, and 7) Exiting via lease-options or seller financing for passive income. A must-listen for scaling a profitable portfolio with mi...
2025-09-2811 minSub2Investor#30 - How I Made $110,000 in Real Estate Without Lifting a Hammer (Creative Financing Revealed)Hans dissects his eighth subject-to deal, a pre-foreclosure gem that netted $110,000 without any rehab! Purchased for $163,500 ($140,000 loan at 2.625%, $13,000 arrears, $6,000 to seller), this vacant property was sold on a land contract for $209,000 with a $17,000 down payment, leaving Hans $4,000 out-of-pocket. The deal generates $425 monthly cash flow via an interest rate arbitrage (6.13% buyer rate) and boasts a $50,000 backend spread. By year 10, total profit hits $110,000, showcasing the power of creative finance with minimal effort—just a U-Haul to help the motivated seller move!Watch at YouTube.com/Sub2Investor and explore mentorship at https://www.sub2investor.com/!If yo...
2025-09-2427 minSub2Investor#29 - His First 3 Subto Deals KILLED It - Interview with Scott WinklemannHans interviews Scott Winklemann, a St. Louis investor who transitioned from traditional landlording to creative finance, crushing it with three subject-to deals. Scott shares his journey from holding a rental for 10 years to diving into sub2 with a 50/50 equity partnership deal with Hans, yielding a 39% ROI on $9,000 invested after a $15,000 down payment. His second deal, a remote pre-foreclosure in Lebanon, MO, secured a 3.375% loan with $500 monthly cash flow after a $6,000 option fee, despite $14,000 in potential arrears. The third, another pre-foreclosure, involved a distressed seller with zero equity; Scott closed for $2,300 out-of-pocket, aiming for $770 monthly cash flow on a $200,000 property...
2025-09-2153 minSub2Investor#28 - Dominate Sub2-Wraps by Leverage Amortization (Creative Finance Structuring)Hans unveils the power of amortization in creative finance, showcasing a property taken back from a distressed seller-finance buyer who faced personal challenges. Originally purchased subject-to with a $103,000 balance after a $7,000 down payment, the deal generated $825 monthly payments, yielding nearly $16,000 in interest income over two years while only $1,287 went to principal. By resetting the amortization clock with a new lease-option or seller-finance buyer, Hans can restart the interest-heavy payment structure, mimicking how banks profit. This strategy, despite sacrificing long-term appreciation, delivers passive income and flexibility, making it a game-changer for sub2-wrap deals in stable markets!Watch...
2025-09-1717 minSub2Investor#27 - Taking Back a House and Leveraging the Sub2 Loan Again!Hans shares the exciting story of reclaiming a former rental property with a stellar 3.65% subject-to loan, originally sold on seller financing. The end buyer, now out-of-state and overwhelmed by remote management, is returning the property via a mutual release and quitclaim deed. Instead of cashing out the equity, Hans plans to rinse and repeat by placing the current tenant on a lease-option, collecting an upfront option fee and setting them up for potential seller financing down the line. This strategy preserves the low-rate loan, maximizes cash flow, and could reset the amortization clock for even more interest income. A...
2025-09-1402 minSub2Investor#26 - Is "Subject To" Even Legal?Hans tackles the burning question: Is subject-to (sub2) investing legal? He dives into the HUD-1 Settlement Statement, the official U.S. government document for real estate closings, highlighting lines 203 and 503, which explicitly account for "existing loans taken subject to." These line items confirm that buying a property while leaving the seller’s loan in place is a legitimate practice, whether it’s a mortgage, mechanics lien, or HOA assessment. Hans shares this critical insight from his new course, The Complete Beginner’s Guide to Creative Real Estate Investing, equipping listeners with the confidence to address skeptics and close sub2 deals...
2025-09-1005 minSub2Investor#25 - My 8th Sub2 Deal - Creative Finance Domination (Real Example)Hans breaks down his eighth subject-to deal—an off-market, pre-foreclosure 2-bedroom ranch acquired through a cold text campaign.The numbers: ▪️Purchase Price: $165,816▪️ Existing Loan: $144,312 @ 2.65% ▪️ Arrears: $15,000 ▪️ Paid to Seller: $6,000He flipped the property on seller financing at 6.8%, generating $425/month in cash flow and a 4% arbitrage spread. Also shares the HUD and property video, which helped the absentee seller relocate.Takeaway: Could’ve charged closer to 10% interest for stronger note resale value.👉 Watch the full video: YouTube...
2025-09-0715 minSub2Investor#24 – How to Set Real Estate Goals That Actually Work (Creative Finance Edition)“Originally recorded in 2024, Hans shares his goal-setting process that helped him crush a modest seven-year plan ahead of schedule…”Drawing from his journey from academia to creative finance, he reveals a laughably modest seven-year plan from 2019 that aimed for 20 properties by 2025—achieved by 2022 through subject-to deals!Hans emphasizes setting realistic yet ambitious goals across business, personal, health, family, and spiritual categories, reflecting annually with his wife to stay focused. He urges listeners to carve out time in a calm setting, like a coffee shop, to outline one-, five-, and ten-year plans, starting with attainable steps like joi...
2025-09-0319 minSub2Investor#23 - Stop Everything and Generate 90% ROIs with Creative Finance (Subto)Hans dissects the numbers behind his seventh subject-to deal, a condo with a $75,000 ARV purchased for $53,000 ($52,000 loan at 3.125% over 40 years, $1,000 to seller). Despite $14,000 in rehab and $2,000 in holding costs, a $10,000 option fee from a lease-option tenant buyer left Hans $6,000 out-of-pocket. With a $950 monthly rent and $350 PITI, the deal nets $450 monthly cash flow after paying a 25% equity partner $150/month. This yields a stunning 90% cash-on-cash ROI, with a projected $74,415 backend profit after 10 years. A masterclass in turning a negative-equity deal into a cash-flowing powerhouse!Watch at YouTube.com/Sub2Investor and explore mentorship options at https://www.sub2investor...
2025-08-3113 minSub2Investor#22 - How to Fill Out the "Purchase Price" on a Subto Contract (Subject To)Hans walks through the critical process of filling out the purchase price section of his battle-tested subject-to purchase contract, using a real deal from his mentorship program. For a property with a $303,000 fair market value and a $267,387 loan balance at 5.5%, Hans details how to allocate $100 earnest money, $267,387 for the subject-to loan, and $10,000 cash to the seller, totaling a $277,487 purchase price. He shares pro tips, like using seller-finance terms to incentivize timely move-outs, ensuring clarity and protection for all parties. Get a free copy of his contract by reaching out and learn to structure sub2 deals like a pro!
2025-08-2709 minSub2Investor#21 - How to Evaluate "Subject To" (Subto) Deals ACCURATELYHans introduces his powerful new calculator for analyzing subject-to deals, walking through a real example from his mentorship program. For a property with a $303,000 fair market value and a $267,387 loan balance at 5.5%, Hans inputs $25,000 in upfront costs (realtor, seller, closing costs) and projects a seller-finance exit at $318,150 with a 10% down payment. The deal yields $968 monthly cash flow, a 245% cash-on-cash return, and a $147,359 profit over 10 years, with all cash recouped in just 4.88 months. Learn how to crunch numbers precisely and adjust variables to make informed offers on creative finance deals!Watch at YouTube.com/Sub2Investor and explore...
2025-08-2420 minSub2Investor#20 - Rehabbing "Subject to" (Subto) Deals CHEAPLY and CREATIVELYNo giant renovation budget? No problem. Hans shows how to take a tired Subject-To property and turn it into a cash-flowing asset using minimal cash, sweat equity, and creative cost-cutting. From sourcing discounted materials to leveraging “work-for-credit” contractor deals, this episode is packed with strategies for keeping rehab expenses lean while maximizing value.Deal Snapshot: ▪️ Purchase Method: Subject-To via Land Trust▪️ Wholesale Fee Paid Upfront: $0▪️ Rehab Budget: ~$8,500 + Sweat Equity ▪️ Rehab Strategy: Discounted surplus materials + bartered labor ▪️ Net Monthly Cash Flow: ~$500 ▪️ Loan Terms: 3.25% fixed, ~27 years remaining
2025-08-2134 minSub2Investor#19 - Buy Houses "Subject to" for ZERO Dollars using Equity PartnershipsNo cash for a wholesale fee? No problem. Hans reveals how a 25% equity partnership, a killer loan mod at 3.125%, and a little sweat equity turned a rehab-heavy Subject-To deal into steady cash flow—and a big back-end payday.Deal Snapshot: ▪️ Purchase Method: Subject-To via Revocable Trust ▪️ Wholesale Fee Paid Upfront: $0 ▪️ Wholesaler’s Stake: 25% Beneficial Interest ▪️ Rehab Cost: ~$12,000 + Sweat Equity ▪️ Net Monthly Cash Flow: $450 (after partner payout) ▪️ Interest Rate: 3.125% (modified from ~6.5%) ▪️ Loan Term: 40 years ▪️ Back-End Potential: ~$25K to wholesaler over life of deal💡 Key Lesson: Equity partnerships can turn deals you can’t pay cash for into...
2025-08-1720 minSub2Investor#18 - Best FREE Way to Find Sub2 and Seller Finance DealsHans breaks down his 7th subject-to deal—a distressed lead from a cold text campaign involving divorce, a moldy property, and zero equity.With smart negotiation and creative financing, he turned this mess into a deal with $78,000+ profit potential and $463/month cash flow.Deal Snapshot: ▪️ Purchase Price: $185,230 ▪️ Loan Balance: $179,230 @ 3.5% ▪️ Arrears: $4,400 ▪️ Cash to Seller: $1,600 ▪️ Total Out of Pocket: $6,000 ▪️ Sold w/ Seller Financing: $210,000 @ 6.8% ▪️ Down Payment Collected: $10,000 ▪️ Monthly Cash Flow: $463 ▪️ Total Profit Potential: $78,540💡 Key Lesson: Even proble...
2025-08-1319 minSub2Investor#17 - 603% Return on No Equity Sub2 Deal using Creative FinanceHow do you turn a dead lead with zero equity and no rehab into a cash cow?In this episode, Hans breaks down his sixth subject-to deal—a property no one wanted—yet it produced a 603% cash-on-cash return and $69K in projected profit.Deal Snapshot: ▪️ Unpaid Balance: $210,000 ▪️ Closing Costs: $1,000 ▪️ Rehab + Cash to Seller: $0 ▪️ Down Payment Collected: $9,000 ▪️ Seller Finance Terms: $220K @ 6.05% ▪️ Buyer’s Monthly Payment: $1,500 ▪️ Hans’ Cash Flow: $503/month▪️ Front-End Profit: $8,000 ▪️ 10-Year Profit Potential: $69,000 ▪️ Cash-on...
2025-08-1016 minSub2Investor#16 - My "Due On Sales" Nightmare Story on "Subject to" LoanHans recounts a nerve-wracking tale from his sixth subject-to deal, where a paperwork blunder sent all closing documents—warranty deed, settlement statement, and trust agreements—straight to the VA loan lender, risking a due-on-sale clause trigger. Despite the panic, the lender didn’t call the $210,000 loan (with a $176,000 primary at 3% and a $32,000 0% partial claim), proving the clause is rarely enforced. Closed remotely with zero rehab and zero cash to the seller, this deal now cash flows over $500 monthly via a lease option. A gripping lesson in navigating sub-to risks and profiting from no-equity deals!Watch at YouTube.com/Su...
2025-08-0614 minSub2Investor#15 - VA Loans are KILLER for "Subject To" Real Estate InvestingHans dives into the sixth subject-to deal, showcasing why VA loans are a goldmine for creative financing. Sourced from an expired MLS listing, this no-equity deal involved a $210,000 VA loan balance with a 3% interest rate, acquired after a loan modification and partial claim moved $32,000 to a 0% second lien. With zero rehab and a quasi-remote closing, this grandma-style house now cash flows over $500 monthly via a lease option. Learn why VA loans—often low or negative equity due to 0% down payments and refinancing—are perfect for sub-to, especially near military bases. A must-listen for investors targeting high-profit, low-effort deals!Wa...
2025-08-0321 minSub2Investor#14 - Best Way to Find Creative Finance Deals (Sub-to)!Hans reveals the ultimate strategy for landing subject-to deals using the expired MLS list, his favorite marketing source for creative financing. Discover why expired listings are goldmines—sellers have already tried and failed to sell through traditional methods, making them prime candidates for sub-to offers. Learn how to access the MLS for accurate data, pull expired, withdrawn, and canceled listings, and filter for low-equity properties (60%+ loan-to-value) using tools like PropStream. With 40% of his creative finance deals sourced from this list, Hans shares pro tips to outsmart competition and pitch effectively to motivated sellers. A must-listen for investors ready to sc...
2025-07-3018 minSub2Investor#13 - $70k Profit on Crappy House using Creative FinanceHans unveils the numbers behind a remarkable fifth subject-to deal, turning a zero-equity, non-paying tenant property into a $70,000 profit machine with no rehab. Acquired for a $90,000 loan balance ($70,000 at 3% and $20,000 at 0% via a partial claim), this C+ neighborhood house was sold on a contract for deed for $105,000 with a $5,000 down payment, yielding $483 monthly cash flow and a $10,000 backend spread. By converting the inherited tenant into a buyer with a co-signer, this deal netted $3,500 upfront and could reach $140,000 over 30 years—all while avoiding landlord hassles. A masterclass in creative financing for investors chasing big returns with minimal effort!Wa...
2025-07-2715 minSub2Investor#12 - Fire your Tenants and Earn $483/month with Creative Finance InsteadHans shares a brilliant strategy to ditch the landlord grind and boost cash flow through creative financing in this breakdown of the fifth subject-to deal. Learn how a non-paying tenant was transformed into a buyer for a $90,000 loan balance property, acquired with no rehab, using a $5,000 down payment and an 8% interest rate on a contract for deed. Sourced from a field inspector’s lead, this deal dodged $30,000–$40,000 in repairs and now generates $483 monthly cash flow—outpacing multiple rental properties without the headaches of maintenance or tenant management. A must-listen for investors seeking to scale a cash-flowing portfolio with minimal hassle...
2025-07-2314 minSub2Investor#11 - $133,000 Profit on NO EQUITY Deal using Creative Finance StrategiesHans breaks down a game-changing subject-to deal from the portfolio, revealing how to turn a no-equity property into a $133,000 profit without rehab or tenants. This fourth subject-to deal, acquired for a $230,000 loan balance at a 3% interest rate, was sold on a contract for deed for $290,000 with a $27,000 down payment, generating $620 monthly cash flow and a $33,000 backend spread. Learn how minimal closing costs, zero rehab, and strategic marketing on platforms like Facebook Marketplace and Zillow for rent—plus bandit signs—landed a buyer eager for homeownership. A powerful lesson in scaling cash flow and achieving financial freedom through creative financing!
2025-07-2013 minSub2Investor#10 - Become a Millionaire Closing SUCKY Real Estate Deals with Creative FinanceHans reveals how to turn "sucky" real estate deals into millionaire-making opportunities in this breakdown of the fourth subject-to deal in the portfolio. Originally targeted as a wholesale flip, this deal fell apart at closing when the seller’s payoff revealed a $230,000 loan balance—$18,000 over the $212,000 contract price. By pivoting to a subject-to strategy, a loan modification secured a 3% interest rate, transforming a dead deal into a cash-flowing asset with $619 monthly cash flow, $26,000 frontend profit, and a $33,000 backend spread. Learn the persistent text-message marketing that landed this absentee owner deal and how to stack these overlooked properties for a proj...
2025-07-1714 minSub2Investor#9 - 88% ROI using Creative Finance Method on NO EQUITY DealHans dives into a real subject-to deal from the portfolio, showcasing how a low-equity, failed wholesale deal was transformed into a cash-flowing gem with an 88.5% cash-on-cash return. Discover how a $135,000 mortgage balance, a 2.75% interest rate, and a $20,000 rehab were leveraged to sell the property on a contract for deed at $190,000, generating $627 monthly cash flow and a $30,000 equity spread. Learn the strategy for sourcing deals from wholesalers’ expired lists, negotiating with motivated sellers, and using private money to cover $33,500 in upfront costs. A masterclass in creative financing for investors looking to build wealth without massive upfront capital!Watch at...
2025-07-1421 minSub2Investor#8 - STOP using Wholesalers to close Creative Finance DealsHans exposes the pitfalls and potential of sourcing sub2 deals through wholesalers, diving into his third sub2 deal ever closed. Learn why wholesalers can be a tough lead source—needing education, charging high fees for low-equity deals, and seeking too much control—yet how persistent outreach landed a deal with a motivated seller moving to Texas. Hans shares his CRM-driven text campaign to build wholesaler relationships and a savvy $1,500 referral fee strategy, turning a “dead lead” into profit. A must-listen for investors mastering creative financing!Watch at YouTube.com/Sub2Investor and explore mentorship options at https://www.sub2...
2025-07-0925 minSub2Investor#7 - How to Scale Cashflow RAPIDLY with Creative Finance (Actual Example)Hans unveils the jaw-dropping $208,000 profit potential from his second sub2 deal, closed for $111,000 ($75,000 mortgage, $30,000 arrears, $6,000 to seller) with a $12,000 rehab. Facing a $50,000 cash outlay, Hans refinanced into a $130,000 commercial loan, pocketing $55,000, then sold on a contract for deed at $200,000 with a $14,000 down payment and $423 monthly cash flow at 7.6% interest. Discover how high-equity sub2 deals deliver stable, hands-off income with no landlord headaches, and why this deal’s massive backend spread could change your investing game. A must-listen for creative finance enthusiasts! Catch up at YouTube.com/Sub2Investor, subscribe on all platforms, and visit https://www.sub2inv...
2025-07-0615 minSub2Investor#6 - Can I Refinance a "Subject To" Deal? (Not What You Think)Hans explores a rare high-equity sub2 deal, acquired for $111,000 ($75,000 mortgage, $30,000 arrears, $6,000 to seller) with a $12,000 rehab. Facing $50,000 out-of-pocket, Hans refinanced out of the sub2 loan into a $130,000 commercial loan, pocketing $53,000 to cover costs and selling on seller financing for a $14,000 down payment plus monthly cash flow. Learn why high equity unlocks endless exit strategies, how Hans turned a sub2 into a BRRR, and his three criteria for sub2 deals (low rehab, $300+ cash flow, recoup upfront cash). Perfect for investors eyeing creative finance wins. Catch up at YouTube.com/Sub2Investor, subscribe on all platforms, and visit https://w...
2025-07-0214 min
The Note Investor Podcast#128: Seller Finance and Subto - with Hans MoscickeIn this episode Hans shared his journey from academia to real estate investing, focusing on his experiences with wholesaling properties and transitioning to creating notes and investing in properties subject to existing loans. The discussion covered various aspects of real estate investing, including the importance of building trust with sellers, understanding motivated seller characteristics, and navigating sub-2 deals and their complexities. Hans and Dan explored different investment models, including contract for deeds and mortgages, while discussing challenges like insurance issues and the process of converting land contracts to mortgages. Learn more from Hans: S...
2025-06-3056 minSub2Investor#5 - Pre-Foreclosure "Subject To" Deals are the WORSTHans dissects a pre-foreclosure subject-to (sub2) deal closed in November 2021 for $111,000, covering a $75,000 mortgage, $30,000 in arrears, and $6,000 to the seller. Despite a competitive market and a flaky seller, Hans reveals three reasons why pre-foreclosures are his least favorite lead source—intense competition, unreliable sellers, and tight timelines—yet uncovers one massive reason they can be highly profitable: significant equity. Learn how Hans navigated a logistical nightmare to secure a high-equity deal with a risky foundation, and why the potential rewards may outweigh the chaos. Perfect for investors tackling tough leads. Catch up on episodes at YouTube.com/Sub2I...
2025-06-3013 minSub2Investor#4 - How I Analyze Subto Deals (Real Example)Hans reveals how a seemingly unprofitable subject-to (sub2) deal became a goldmine, netting over $127,000 without repairs or property management. Hans dives into the numbers of his first sub2 deal, acquired in for $122,000 (covering a $97,000 mortgage, $11,000 HUD partial claim, and $13,000 construction lien) with zero cash to the seller. Facing a tight market with no room for wholesaling or flipping, Hans used a contract for deed exit strategy to sell the property for $132,000, securing a $5,000 down payment and $355 monthly cash flow at an 8.53% interest rate.Discover how creative financing transformed a low-equity property into a cash-flowing asset...
2025-06-2616 minSub2Investor#3 - Answering Subto Seller Objections (Real Example)Hans dives into the critical art of handling seller objections in a subject-to (sub2) real estate deal. Using real email correspondence from his first sub2 transaction, Hans walks through a seller’s tough questions about mortgage liability, credit impact, liens, and property damage after closing. Rated a “7 or 8” on the objection difficulty scale, this seller was skeptical but motivated, with zero equity and a need to relocate.Learn how Hans clarified misconceptions (e.g., sub2 vs. lease-option or loan assumption), emphasized transparency, and provided a seller recourse form to ease concerns about missed payments. Packed with pro tips—l...
2025-06-2216 minSub2Investor#2 - How I Write Sub2 Contracts (Real Example)In this episode, Hans walks through the nitty-gritty of his first subject-to (sub2) real estate deal, revealing how he turned a seemingly impossible situation into a win. Facing a seller with a $122,000 debt and zero equity, Hans shares how he overcame her skepticism—initially mistaking him for a lowball cash buyer—and secured the deal by taking over her mortgage payments. Learn the art of pitching sub2 in person, crafting a simple yet effective purchase contract, and navigating liens like a $95,000 mortgage, an $11,000 HUD partial claim, and a tricky green energy loan tied to property taxes.Hans brea...
2025-06-1912 minSub2Investor#1 - My First Sub2 Deal (Real Example)Dive into the world of creative finance with Sub2Investor, hosted by Hans Moscicke, where we unpack the game-changing strategy of subject-to (sub2) real estate investing. Drawing from Hans’s journey from grueling wholesaling to building a cash-flowing portfolio, this podcast reveals the nitty-gritty of sub2 deals—buying properties by taking over existing mortgages without cash at closing. Each episode breaks down real deals, like Hans’s first sub2, where he turned an expired MLS listing into $5,000 upfront, $350 monthly cash flow, and future equity with zero repairs.Explore how to spot opportunities in low-equity leads, target failed wholes...
2025-06-1616 min