Quote from @Godsheritage Adeoye: Hello, I’d like to know how investors typically handle Subject To contracts.

subject to, higher risk.

I've been reading more about subject to and here's what I've learned:-Good for sellers who are off market-Have low to no equity-Have a mortgage with a low interest rate (less than 5%)-Be absentee or out of state (vacant property, or have a tenant)The buyer would then take over the mortgage payments, and have the seller sign the deed over to the buyer.

Not going to kill it on the rental income, but if you sell it subject to, there is a lot of equity.

I've purchased land with a mobile home and took the mobile home subject to.  

I can only come out of pocket to cover mortgage so long.  

I hope you have a lot of cash available to cover the FTC fines. 

One thing that DSCR is not really set up for is if the property is "Subject to" meaning not move in ready/live able.

I don't think you are going to be able to get insurance for two separate living units in a single-family when they are both illegal and likely do not have the correct egress windows (basement) for fire safety which could subject you to huge liability if something happens to either party.

I'm a newbie tooSelf education through books is a conversation between the author (mentor) and you.You'll gain knowledge, connections etc but it takes timeAttending meetups, listening to Youtube videos on subject matter further broadens knowledge base