Hans 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 calculate your FI number and take calculated risks!

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Hans 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 boosted profits to $81,000. 

Learn why clean properties, strategic marketing, and higher rates matter! 

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Hans 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 seek mentorship for his subject-to deals. 

Learn how to refine your vision and stay authentic to your goals!

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Hans 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 for targeting on-market listings, handling agent objections, and following up post-open house.

Visit https://www.sub2investor.com/ for mentorship and paperwork!

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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! 

Learn Hans’ ARV estimation (Realtor.com, Zillow, PropStream) and pre-foreclosure targeting tips.

Get the Deal Evaluator at https://www.sub2investor.com/!

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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.

Bonus: Learn Hans’ secret for targeting pre-foreclosure absentee owners to land deals!

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Hans 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/.

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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/!

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Hans 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 buyer expectations.

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Hans 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.

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