.🔹 Ideal in Any Market – Whether home prices are rising or falling, lease options allow you to lock in today’s price while benefiting from future appreciation.Other creative strategies—like seller financing, subject-to deals, and the BRRRR method—can also open doors, but lease options remain one of the most powerful, low-risk, minimal cash out-of-pocket ways to build a portfolio.

:@David Krulac  since we last talked about due diligence on foreclosed properties, I have been reading up on how to minimize risk and have few questions that I hope you can help me out in this example.The subject property is owned by the bank in Delaware county,PA .

Yes, as S-Corp owners receiving W-2 wages, employee deferrals to a Solo 401(k) are subject to FICA taxes (Social Security & Medicare).

Look at the current inventory, days on the market, and previous sales in the last 6 months that are similar to your subject property within a mile radius. 

Seller financing or subject-to financing (taking over the seller’s existing mortgage) can be great options if you find a motivated seller.

There is nothing illegal about Subject To, Seller financing, etc in general.   

Germain Act and using a trust for subject-to approaches that may work for this kind of transfer, but I’m not sure it totally applies to my situation.The previous replies stated answers to your questions, but some of the answers may not have been clear. 1.

Maybe do a sale subject to existing finance and do a wraparound mortgage?  

The best thing this community can do is encourage your son to run far away from a subject to deal.

If assumption doesn’t work, consider a subject-to or seller-financed hybrid deal.Would love to hear more details once you clarify the lender’s stance—keep us posted!