There is really no reason to roll the dice in a craps game.

My advice on sub to is as follows1- COMPLETELY understand the process, implications, liabilities, and possible outcomes before engaging or attempting to engage in a sub to transaction2- Complete disclosure going so far as making sure the other part understands the transaction and possible consequences3- Utilization of an attorney experienced in subject to transactions for setup in such a way that provides some protections in case of default or in case the note is called4- Have a backup plan in case the note is called5 - only use for property that has a TRUE positive cash flow unless the buyer has substantial reserves I myself have purchased 8 properties subject to, but 5 of those were commercial properties which often have notes where a subject to is allowable.  

Ask your bartender or server for their information when you go out for the game on Sunday.

As you can see from our teams response on this thread, we are VERY engaged with our company and clients EVERY client matters, so you can understand when someone speaks poorly of our shop, especially when incorrect, they take it pretty personally.Second, you mentioned "a lot of people" who are not happy with our service.

You are very clearly leveling up your game quickly!

Very new at this game I live in cottonwood California and I would be interested in going to meet up if my schedule would allow.

I agree with you and @Doug Smith because I been laughed away enough to realize that aint the game anymore. 

I've spent way too much money on them and their promises over the past 20 years, and lost too much in the game. 

It's a relationship game more than anything, so if you're building strong relationships with them and providing a consistent product, you'll be golden.

The further you get into the deal the more skin in the game you end up having so it just makes sure you see the project through so you recoup the time and cash invested.