Having trouble selling a Property?

 A subject-to transaction is a type of real estate deal where a buyer  takes over the seller's existing mortgage but the loan stays in the  original borrower's name. Essentially, the buyer pays the mortgage  payments on behalf of the seller, and the property title is transferred  to the buyer. This type of transaction is often used when a seller is  facing financial difficulty and needs relief from mortgage payments, or  when traditional financing is difficult for the buyer. The seller is protected by a document called a "deed in lieu of foreclosure." 

 Seller financing, also known as owner financing, is a transaction in  real estate where the seller acts as the lender to the buyer. Instead of  obtaining a traditional mortgage from a bank, the buyer borrows from  the seller and makes payments over time, typically with interest. The  buyer receives the deed to the property, but the seller holds a  promissory note or a mortgage depending on the agreement structure until  the loan is paid off. This method can be advantageous for both parties,  especially if the buyer has trouble securing traditional financing, or  if the seller has difficulty selling the property. 

 This arrangement constitutes a collaborative venture between the  investor and the seller, wherein the investor does not initially acquire  the property. Instead, the investor will rehab the  property using their own capital. The financial recompense to the seller is then completed upon the successful resale of the renovated property.  This transaction structure allows for the investor to first enhance the  property's value before finalizing the purchase, facilitating a  potentially higher return on investment.