Overcoming DTI Concerns in "Subject-To" Deals

[Ethan Garrett]

Hey fellow investors,

I've recently come across a challenge in a "subject-to" deal and I'm reaching out for insights and solutions from this knowledgeable community.

The Challenge:
How can we structure a "subject-to" deal in a way that mitigates or eliminates the negative impact on the seller's DTI, while ensuring the mortgage remains in their name?

We're looking for creative yet legally sound strategies that can help ensure a win-win for both parties. Have any of you faced a similar situation? If so, how did you navigate it? Are there specific trust structures or other legal instruments you've successfully used in such scenarios?

Your expertise and advice would be greatly appreciated!