Hey @Account Closed yea that's what it seems from the research I've been doing in Socal. Had never heard of subject to, but just looked it up and I must say it's very interesting. Thanks for that! I want to accomplish a few buy/holds and a primary residence for me and the wife. I know it's somewhat vague still, but we're getting there on the specific goal. So if I understand the strategy you're talking about it would be to buy 4 houses for $25,000 each using subject to (so takeover the original owner's payments from their existing mortgage, and get the deed). Then turn around and sell them to people who want to rent-to-own in the next 60-90 days. This means the new rent-to-own tenants will be paying the mortgage + some extra cashflow to me while they live there renting. Then once they've made enough payments that they own, I sign over the deed and they take on the property including any original liens and whatnot. Is that pretty much the idea?