Subject-to transactions are common and documented, but they carry due-on-sale and insurance considerations. Our analysis is not legal advice; use qualified counsel to close.

Which structure should I lead with?

Whichever solves the seller's actual problem. Run the comparison first, then choose the structure that clears your return with the least friction.

Can Empire Legacy Group help me close the deal?

Yes. If a structure works, our acquisitions team can assist with negotiation and acquisition support.

Creative financing

Creative Finance Deal Analyzer: Subject-To, Seller Finance, Novation

Creative structures do not make a bad deal good; they change who pays for what and when. This analyzer prices each structure against the same property so you can see which one, if any, actually works.

Analyze your first three deals free Talk to an analyst

Free account required. Three complimentary analyses, then membership for continued access.

What paid memberships unlock

Complimentary analyses include a verdict, plain-language why, key numbers, top three risks, basic next step, offer guidance when possible, and a one-page summary. The advanced features below require Investor Plus or Investor Pro, as applicable.

Structure comparison

Cash, subject-to, seller financing, lease option, and novation run side by side on identical property numbers.

Terms that make it work

The rate, down payment, term, and balloon combination that produces acceptable cash flow for you and an acceptable outcome for the seller.

Seller-side view

What the seller nets under each structure — the argument you need in the actual conversation.

Structure-specific risk

Due-on-sale exposure, balloon refinance risk, insurance and escrow handling, and payoff timing flagged per structure.

Terms beat price

On a seller-financed purchase, a lower interest rate can be worth more than a large discount on price. The analyzer computes both, so you know whether to negotiate the number or the note.

Every structure carries its own failure mode. Subject-to carries due-on-sale and insurance risk; a balloon carries refinance risk in a rate environment you cannot control; a lease option carries performance risk on the tenant-buyer. Each is priced as a scenario, not a disclaimer.

Metrics returned

Effective purchase price by structure
Monthly cash flow under existing debt
Seller net proceeds
Balloon and refinance exposure
Entry capital required
Yield on the note

Questions

Is subject-to legal?: Subject-to transactions are common and documented, but they carry due-on-sale and insurance considerations. Our analysis is not legal advice; use qualified counsel to close.
Which structure should I lead with?: Whichever solves the seller's actual problem. Run the comparison first, then choose the structure that clears your return with the least friction.
Can Empire Legacy Group help me close the deal?: Yes. If a structure works, our acquisitions team can assist with negotiation and acquisition support.