Most people have never heard of it. Here's everything you need to know — in plain English, with real examples.
Subject-To (or "Subto") is a way of buying a home where we take over your existing mortgage payments without getting a brand new loan. The mortgage stays in your name on paper, but we take over the title and all the payments from day one.
"Think of it like this — imagine you have a car payment at a great interest rate but you need to get rid of the car. Instead of selling it the traditional way, someone steps in, keeps making your payments, and takes the car. You're relieved of the burden. They keep the asset. Everyone wins."
In real estate, this means you don't have to wait months for a buyer, pay agent commissions, or accept a lowball cash offer just to get relief. We step in, take over the payments and title, and handle everything going forward.
This strategy is completely legal, used by thousands of investors across the country, and is handled professionally through a licensed title company — protecting both you and us every step of the way.
We review your mortgage, equity, and situation. We agree on price and terms that work for both parties.
Through the title company, ownership of the property transfers to us. You no longer own it or owe anything on it.
We take over all monthly payments. Your mortgage stays in your name but we make every payment going forward.
| Factor | Traditional Sale | Subto with Stallion |
|---|---|---|
| Time to close | 60–120+ days | Much faster |
| Agent commission | 5–6% of sale price | $0 — none |
| Repairs required | Usually yes | Never — as-is |
| Closing costs to you | 2–3% | $0 |
| Payment relief | After closing (months) | Immediate |
| Works if behind on payments | Difficult | Yes — we catch up |
| Works with little equity | Hard to sell profitably | Often yes |
Seller Financing — You become the bank and collect monthly payments from us at agreed interest.
Lease Option — We lease your home and purchase it later at a set price you lock in today.
Novation Agreement — We improve the home, sell at market value, and split the profits with you.
Cash Offer — Fast, clean close when the numbers work for your situation.
Still have questions? Our FAQ covers everything sellers and investors want to know.
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