Debt to Income an issue in “Subject To”?

[Shane Lyons]

I’m interested in trying to take advantage of a Sub-To strategy, but want to make sure I’m putting a motivated seller in the best possible position that I can when they leave the table. A concern I have is that with the original loan still being in their name, that their debt to income ratio will be too high for them to get another loan later down the road when they’re back on their feet. I understand that I can refinance or sell the property to pay out the mortgage and it’ll all be fine and dandy, but if I don’t are they screwed? I’ve heard a couple different times that if the lender they go to sees the original mortgage, but also sees a seasoned flow of payments towards it (by me the buyer) then they’ll work around it. Any lenders out their have any experience with this?