I do a lot of sub-to deals, and find the hardest thing is getting the tenant/buyers to a point that they can "cash out" so you can get your "big payday" at the end of the deal.This market has a lot of good sub-to houses available, and due to the lack of easy funding, plenty of buyers, but the downside is that most tenant/buyers never get their "poop" together and buy.My suggestion, is look at sub-to deals like a long-term buy and hold, enjoy the option fees, and if someone cashes you out, consider it a bonus.

Let me share with you my thoughts on this and what I did to turn my financial life around from living pay day to pay day to living large and having fun in the process!

When it comes to buying an apt complex 5 doors and up they look how the building performs and not so much on your income debit/income ratio etc...If you can find a good apt complex that you can re-position, it would be a nice little pay day.

Here is the REAL irony: if the idiot unlicensed broker had closed and then resold, the seller would have been stuck and the unlicensed broker would have had a nice payday of 40K..maybe even 50K.

When you do, it's a nice payday.

Your payday comes on the sale.Lets say you have a lender who will go 70% of ARV, and will fund up to 100% of the rehab and purchase.  

You might try offering a payday payment plan where you divide the rent over their pay periods and have them pay rent each payday.

It's nice to get the big paydays.  

IF for the average homeowner it makes absolutely no sense to buy vs rent unless you're banking on an appreciation payday, then look for the sky to fall.

on pay day and put it into savings for Real Estate and then learn how to live comfortably on the rest.Read this article for backup on this advice: The Shockingly Simple Math Behind Early RetirementThe steps to wealth are learning how earn, learning how to save, and then learning to invest.