Subject-to is a real strategy, but the version you see online makes it look far easier than it is. Pace Morby genuinely does these deals. He also operates as a buyer, wholesaler, buy-and-hold investor, and coaching operator with something on the order of a hundred-plus deals a month moving through his network. At that volume, great deals surface on their own. An investor doing one or two deals a year can't replicate that funnel, so his results are the wrong baseline for what you should expect. One claim worth correcting directly: the idea that the seller's old mortgage just disappears when that seller goes to qualify for their next home. It stays on their credit report. To exclude that payment from the seller's debt-to-income, lenders generally want the most recent 12 months of canceled checks or bank statements showing another party made the payments, with no delinquency. (A pending sale works differently: that debt can drop out of DTI once there's an executed sales contract with the financing contingencies cleared.) Either way, the clean, instant hand-off some videos promise is a myth. Subject-to also carries real risk on both sides, including the due-on-sale clause and the trust it demands between buyer and seller. It can work in the right hands with the right documentation. Go in clear-eyed, get proper legal guidance, and don't assume the highlight reel reflects the typical outcome.