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A subject to deal is the same as obtaining a quit claim, is this correct?
If your holding onto the property for CF(in her case), couldn't you just switch the mortgage?
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You could, but one of the limitations becomes financing a number of properties. If it is a part of your plan to do this in volume, eventually the banks are going to make things extra challenging for you!
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Or in my case were I am looking to flip properties would it matter since I will pay off the mortgage as soon as the property is flipped?
Also when you obtain a subject to deal, is the lender likely to enact their "due on sale" clause?
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I wouldn't see much advantage to a flipper... other then - again if you are doing it in volume, and financing for your projects becomes more difficult.
If the seller remains one beni of the property - the DOS is not invoked.

It's all about the conversation... get the creative solutions going and tweek things until they match your situation or solve your problem!
