Subject to properties

[Clay Teegarden]

Hello all! I am a newbie investor (1 property as of now, but I am looking to expand that currently). I have been diving in to reading materials and podcasts as much as possible, and have come across Pace Morby and the have subsequently gone down the "subject to" rabbit hole. I am just curious, does anyone know how frequently notes are being called by the originating banks? This form of investing seems almost too good to be true, and I am trying to find the hang up so to speak. 

Lastly, im curious as to whether having sold a "subject to" deal will affect the sellers DTI since the debt is still in their name even though they are not the ones paying for it? Seems like this would be a huge hang up to me when trying to complete deals like this.

Thanks in advance for any insight, im located in Lynchburg, VA if anyone out there in the BP community would like to share a cup of coffee or a beer sometime.