🚫 Clearing Up the "Subject To" Myth: Don't fall for the social media hype claiming it's a fantastic way to buy property while keeping low interest rates. 📝 The crucial detail many overlook is the due on sale clause. 💰 Almost every mortgage includes it, meaning the seller must pay the entire balance if they sell the property. 😬 Even if the buyer takes on the mortgage, the seller's failure to repay breaches the covenants, and the lender can demand full repayment immediately. 💥 The gurus conveniently forget to mention this risk. ⚠️ Remember, it's the seller who faces the consequences, not the buyer. Stay cautious—creativity walks a fine line with excessive risk. 🚧 Just ask those who dealt with no-doc loans, negative amortization, or floating interest rates in the past. 🔒🏡

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