No 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 win-win opportunities—especially with wholesalers bringing you leads.

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Hans 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 problem properties with no equity can become profitable deals when you buy right and structure smart.

📺 Watch the full breakdown: YouTube.com/Sub2Investor 

📘 Start your creative finance journey: Sub2Investor.com

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How 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-Cash Return: 603%

🔑 Key Lesson: You don’t need equity or big renovations to create massive returns—just smart creative financing.

👉 Watch the full breakdown: YouTube.com/Sub2Investor

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Hans 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!

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Hans 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!

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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 score high-profit sub-to deals!

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Hans 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!

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Hans 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!

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Hans 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!

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Hans 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 projected $133,000 profit over 10 years. A must-listen for investors aiming for financial freedom through creative financing!

Watch at YouTube.com/Sub2Investor and explore mentorship options at https://www.sub2investor.com/!

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