My current focus - what is the process once a family member/individual has passed and lets just say in a perfect world probate has been filed and the respective family is now thinking about selling the property.

Look, your all hammering away dead-set of getting me to say SubTo is perfectly legal, it's great, everyone with $1k who joined a group, watched a YT video, go out and do it and all will be fine.

None of this never happened.For a company with a 12-year lending history, Norada Capital Management has only one $4,000,000 Reg D filing from 2020, which appears inadequate considering a 2012 start date and almost four years since the last filing.Santarelli also claims in the same YouTube video that Norada Capital Management has been making loans since 2012 with no default history, re-lending money received from investors and maintaining a perfect record over 12 years.

With a thriving tourism scene and steady year-round visitors, it’s perfect for short-term and long-term rentals as long as you are choosing an unsaturated asset class.

The acquisition price and scope of renovations aligned perfectly with our strategic goals.

Are you looking for near perfect credit, or are you open to some dings? 

It’s a game-changer for getting into a 2-4 unit property with low or no down payment—perfect for scaling.You’re doing all the right things—learning, networking, and making moves.

Hi - you sound like a perfect candidate for the "DSCR Loan" option - its the loan type thats popular wwith investors and one of the big reasons why is the exact situation you are describing - running into DTI troubles. 

This is the perfect situation for this.A third question would be, "is this his only property, and if not, are the other properties also paid off?". 

And don’t overthink—your first deal doesn’t have to be perfect; it just has to get you in the game.You’ve already taken a big step by asking for guidance, so keep that curiosity alive and stay consistent —let’s crush it!