Subject-To
The Creative Financing Toolkit
Don’t just learn creative financing. Start using it.
Live calculators plus scripts, workbooks, and seller worksheets from the Complete Tools pack. No credit card. Educational only.
49 downloadable worksheets · 34 Live calculators
Complete Tools
Scripts, workbooks, and seller worksheets
Free educational cuts from the Complete Tools pack. Persona drips and the full attorney packet unlock inside the program after you enroll.
Scripts
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Seller Discovery Script
Open the conversation around need, not price.
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Subject-To Presentation Script
Explain taking title subject to existing financing.
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Seller Financing Script
Turn the seller into the bank with clear terms.
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Objection Handling Script
Answer the five stalls without arguing.
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Realtor Conversation Script
Give listing agents a third option besides cash or bank.
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Servicer / Lender Conversation Script
When you must talk to a servicer, stay factual.
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Follow-Up Script
Stay in the deal without becoming a pest.
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Divorce Seller Opener
A public teaser. Full drip and roleplay sit inside Subject-To Mastery.
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Job-Loss Dignity Script
Lead with safety, not a pitch. Full sequence is enrolled-only.
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Relocation Timeline Script
Anchor the move date before you talk price.
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Building Trust on the First Call
Five-stage trust formula for the first 90 seconds.
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Full Subject-To Seller Conversation
Emotion path from overwhelm to relief.
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Subject-To Qualification Decision Tree
Who is qualified, who needs nurture, who to walk away from.
Workbooks
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Seller Motivation Workbook
Score why this seller might accept a non-cash close.
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Creative Deal Structuring Workbook
One property, five structures on one page.
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Subject-To Due Diligence Workbook
Existing debt checklist before you take title.
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Seller Financing Workbook
Build the note before you negotiate adjectives.
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Deal Analysis Workbook
NOI, cash in, and the creative stack.
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Equity Creation Workbook
Where the spread actually comes from.
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Cap Rate & Cash-on-Cash Sheet
Two ratios, two different questions.
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Daily Prospecting Rhythm
Operator routine: outreach, follow-up, emotion diagnosis.
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Due-on-Sale Clause Workbook
Identify, measure, and mitigate due-on-sale risk.
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Insurance Risk Workbook
Named insured, mortgagee, occupancy, and policy alignment.
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Subject-To Prospecting Workbook
Seven modules for skill, confidence, and deal flow.
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Job-Loss Seller Workbook
Dignity-first discovery when income disappears.
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Relocation Seller Workbook
Timeline, double payment, and certainty-focused discovery.
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Expired Listing Seller Worksheet
When the market said no and the seller opens up.
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Fear Mapping Seller Worksheet
Name the seller’s fears so you can dissolve them.
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Inherited Property Seller Worksheet
When the past hands them a house the present cannot carry.
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Long-Sitting Listing Seller Worksheet
When silence in the market creates readiness.
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Low-Equity Seller Worksheet
When the numbers fail and creative structure is the path.
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Pre-Foreclosure Seller Worksheet
When the bank is coming and options matter.
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Probate Seller Worksheet
Estate timeline, heirs, and respectful structure.
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Relocation Seller Worksheet
Move date first, then structure.
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Seller Qualification Worksheet
Motivation, pressure, and Subject-To fit on every call.
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Tax-Lien Pre-Sale Seller Worksheet
When the county draws near and urgency rises.
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Tired Landlord Seller Worksheet
When the property becomes a burden instead of a blessing.
Templates
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Creative Offer Outline
One-page offer the seller can read.
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Deal Analysis Sheet
Blank grid for a live property.
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Negotiation Worksheet
Track concessions without losing the plot.
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Due Diligence Checklist
Title, numbers, people, paper.
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Closing Checklist
The last 14 days.
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Servicing Checklist
After you close, the payment still has to land.
Guides
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Responsible Use Guide
What this academy will not do for you.
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1031 vs Creative Exit
When a seller should not take all cash.
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721 vs Cash Sale
High-level comparison for conversation only.
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Hybrid Structure Map
Combine tools when one tool is not enough.
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Attorney Packet Overview (Subject-To)
Structural overview of the lawyer package. Full packet unlocks after enrollment.
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Five Pillars of Protection
Protect seller, yourself, loan, insurance, and title before closing.
Deal Lab
Live calculators
Creative Financing Visual Index
See it. Calculate it. Learn how to do it.
Every calculator stays free. Courses teach the conversation and the paper. Attorney-review packets stay inside Subject-To Mastery after you enroll.
Seller Financing
The seller becomes the bank.
Lease Options
Control today. Buy later.
Private Money
Borrow against the deal, not your W-2.
Wraparound
A new note wraps the old one.
Commercial / NOI
Value the cash flow, then pick a structure.
ECTO / Options
Embedded equity at exercise.
Tax Lien Sellers
A tax bill can open a Subject-To conversation.
Run the numbers first. Enroll when you want the scripts, drips, and attorney-review samples. We do not gate the calculators behind an email form.
How you buy
Structures
Subject-To
Five US structures, live CoC / DSCR, and a 5-year cash-flow view.
Strategy Finder
Six exits scored to the seller’s priorities, with a 1031 deep dive.
Lease Option
Control today versus ownership tomorrow, with an NOI ramp.
Deal Analyzer
Multifamily underwriting with creative financing and live STOP / CAUTION / GO.
BRRRR
Buy, rehab, rent, refinance, repeat, including points and cash-out.
Fix & Flip
Fix-and-flip with a partnership split, MAO, rehab, and Flip IRR.
Leverage Ledger
NOI, cap rate, WACC, DSCR, NPV, APR, and a pref waterfall.
How you run it
Worksheets
Double Close
A→B / B→C spread, transactional funding, and both closing legs.
Bird Dog
Finder’s-fee funnel: conversion, hourly rate, and setup payback.
Master Lease
Guaranteed rent versus open-market vacancy, including who pays NNN.
STR Arbitrage
Lease long-term, sublet short-term. Occupancy, OTA fees, furnishing payback.
Wholesale
Maximum allowable offer versus repairs, holding, profit, and assignment.
How you fund and hold
Capital
Hard Money
You are the bank on a short rehab note. Points, interest, LTV, and cost of funds.
Sandwich Option
Control from the seller, then sub-option to a tenant-buyer. Monthly spread plus back-end markup.
Option vs Buy
Same house, two paths: lease option versus a financed purchase over a set horizon.
Option vs Rent
Puts a dollar figure on the premium a tenant-buyer pays over market rent.
Seller-Fin Flip
Buy with a seller note, rehab, and resell. Watch the balloon versus your exit date.
IRA Notes
Recycle private notes inside a self-directed IRA. Roth versus traditional versus taxable.
IRA Rental
Buy a rental inside a self-directed IRA. UDFI shows up the moment you leverage.
Mobile Home
One house, one lot. Rent minus lot rent, vacancy, and a cheap note.
Wrap
Sell on a wrap. Buyer pays you a new note; you keep paying the underlying.
Equity JV
Seller, outside JV, LPs, and GP. Prefs, exit cap, and a hold-year waterfall.
Note Yield
Buy a performing note below unpaid balance. Yield from price, max bid from yield, LTV/ITV.
Buy and Hold
Classic rental. Cash in, NOI, mortgage, cash-on-cash. Teaching hurdle is 8 percent CoC.
House Hack
Live in it, rent a room, renovate, then sell. Occupancy can unlock a capital-gains exclusion.
Turnkey
Provider price versus true market. Premium, cash flow, and management drag.
REIT Mix
Split liquid public REITs versus illiquid crowdfunding based on liquidity, risk, and horizon.
Land Contract
Buyer equity and payoff, forfeiture vs foreclosure, wrap spread, and a refi exit.
Blanket Loan
With vs without a blanket, release price, and what a default on B does to A.
Syndication
Full teaching waterfall. Rent, opex, IO, LP pref, GP promote, refi year, sale.
Tax Lien
12-state lien vs deed. Run California and a certificate state on the same tax bill.
Turnaround JV
Distressed NOI, stabilize, then a master-lease-option strike from two textbook formulas.
VUCA
Twelve ratings across volatility, uncertainty, complexity, and ambiguity. Industry weights the overall score.
Biz Exit
SDE multiple, live strategy match cards, tax deep dive, full matrix, and optional property rank.
Educational tools only. Confirm every structure with licensed counsel, tax, and servicing professionals before you make an offer.