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Updated almost 4 years ago on .

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Can I use my "Subject-To" cash flow to qualify for a mortgage?

Kavon I. Simmons
Posted

I'm a New Jersey investor and I've been utilizing the "subject-to" existing strategy for about 3 years. This year (2021), I acquired more properties to my portfolio. I owner finance ALL of my subject-to properties out on 15 to 30 year mortgage terms to tenant buyers. Now, I'm looking to take all of my cash flow and buy a property traditionally (leaning towards a 203k at the moment). All of my contracts with the original owners and my tenant buyers are well documented and notarized. Am I able to show my "cash flow" to a mortgage lender to qualify for a mortgage?