In this conversation, Amy Gunning and Elizabeth discuss the intricacies of creative financing in real estate, particularly focusing on 'subject to' financing. They explore how this method allows buyers to take over existing loans while sellers retain their mortgage obligations. The discussion highlights the risks involved, including due on sale clauses, and the importance of clear communication between buyers and sellers. They also touch on alternative financing structures, the role of title companies, and the necessity of thorough disclosures to avoid potential legal issues.