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If you've got the deal expertise, a money partner would bring the funds for you to close deals.If you've got your own money, an experienced operator would help you source and underwrite deals.

That being said, with current prices and interest rates, it may be the best path forward for some looking to buy a home or investment property. 

They might allow for a no seasoning rate and term refinance, but that would have you bringing your closing costs and and lender fees to the table.

If it were me, I'd find a friend or family member with some cash, convince them that it is a good investment and say that you will manage it for them at market rate of 15-25% depending on your market.

I currently own a retail building I purchased years ago. 3 years left on the loan with a sub 4% interest rate.

You will also need to qualify for a loan, which means you will need a credit rating that qualifies for the loan, and a work history like qualifies for the loan.

I'm constantly reading on BiggerPockets investors saying you need to buy rental property, break even, and hope for appreciation and/or lower rates in the future to cashflow.

.: Subject To and Wraps are very similar and yet, very different.Subject To & Wraps share these characteristics You are taking over payment of the mortgage and transferring the property into your name You become the owner The loan does not get paid off The lender can and sometimes will call the Due on Sale You have to have money or credit to solve a Due on Sale call They are used when someone doesn’t have much equity and doesn’t want to pay a real estate agent They are used when the seller wants to sell fast They are used when the property isn’t really a good candidate for the MLS because of the condition of the property They are used when It’s a unique property and it’s hard to find comps They are used when it’s a distressed situation that needs to be resolved They are used when the monthly payment is below market rate (that means it cash flows) They are used when the seller wants to avoid the hassles of listingSubject To & Wraps Differences In a Subject To, NO new mortgage is created.

I'd also talk to them to find out how it affects their section 8 funding as they don't want to lose that.