Subject-To Calculator
Analyze subject-to financing deals with existing mortgage takeover.
What is Subject-To Financing?
Subject-to is a creative financing strategy where you purchase a property "subject to" the existing mortgage. The loan stays in the seller's name, but you take over the payments and gain ownership of the property.
Property & Existing Mortgage
$300,000
Deal Structure
$240,000
$20,000
This is the cash you pay the seller above the mortgage balance
Rental Income & Expenses
Exit Strategy
3%
Good Deal!
LTV: 73% | DSCR: 1.45
Instant Equity
$60,000
20.0% of property value
Cash Flow
Monthly Cash Flow$685
Annual Cash Flow$8,220
Cash-on-Cash Return32.9%
5-Year Projection
Future Property Value$347,782
Total Appreciation+$47,782
Principal Paydown$19,472
Total Cash Flow$41,100
Total Profit$108,354
Total ROI433%
39.8% annualized
Due-on-Sale Risk
Most mortgages have a due-on-sale clause. Consult with a real estate attorney before proceeding.
Need Traditional Financing?
We connect you with DSCR loan programs for investment properties.