You know it in how they respond.

Hi Jason, Sorry for taking a while to respond and thank you for your comments, it's great to hear the opposite opinion on this.  

I suspect that if Subject-To becomes more widespread, that due on sale calls will respond in kind.You have several bad options: 1) Sell the place2) Refinance the 1st position debt 3) Pay off the 1st position debtI hope that your contract with the seller and/or any wholesaler that brought you this deal allows you recourse for this situation.

Listen to how the manager responds to your questions. 

Will they respond at 2am when the basement floods from the ice maker?

@Gustavo Alvarez is see there are other lenders that have responded to you and have provide a general overview that I agree with so I won't repeat. 

Since only Texas agents responded, I will add a different POV.

I know, I know, the bank didn't TOLD you it was a Fannie/Freddie guideline...and that's how front line Loan Officers are trained to respond. 

Tailoring the document to include compensation only for homes that the agent assists you with should only take 30 seconds to type up, and many probably already have a standardized template document that covers that exact situation.It's a pretty straight forward scenario, so I'm not sure why you keep arguing with people who are responding to your post. 

I like PMs that are fast to communicate, fast to respond, and that know their market inside out.