The Creative Financing & Subject-To Real Estate Command Center - Stackwise

Mortgage rates are about 7.4%. About half of all US mortgages are below 4%. That gap is the opportunity — if you know how to structure the deal, run the real numbers, and protect both you and the seller.

The Creative Financing & Subject-To Real Estate Command Center

A complete deal system for US real estate investors who want to buy rentals using Subject-To, seller financing, formal assumptions and wraps — the right way.

WHAT YOU CAN DO WITH IT

✔ See your cash to close, monthly cash flow, cash-on-cash return and debt coverage in minutes

✔ Compare four ways to buy the same house — bank loan vs. Subject-To vs. seller note vs. assumption — plus a wrap exit

✔ Stress-test the due-on-sale clause: if the lender called the loan tomorrow, could you refinance or sell?

✔ Show sellers an honest net sheet, in today's dollars, that explains the trade-offs

✔ Model a wrap exit: monthly spread, cash recaptured and the compliance checklist

✔ Project 10 years of cash flow, loan payoff and equity

WHAT'S INCLUDED (5 files)

📘 27-page Guide (PDF) — Quick-Start, the D.E.A.L.S. method, a full worked example, the federal rules in plain English, seller scripts and a glossary closing checklist, servicing log and more

📊 13-tab Deal Workbook (Excel + Google Sheets) — Dashboard, Deal Analyzer, Strategy Compare, Seller Net Sheet, Stress Test, Wrap Exit, 10-Year Projection, Loan Schedules, Deal Pipeline, Due Diligence and 2026 Facts & Rules. Real formulas, zero errors.

🧮 Deal Simulator (HTML) — opens in any browser, works offline, same math with live charts ✍ Fillable Worksheets (PDF, 11 worksheets) — seller intake, loan verification, deal numbers, stress test,

📄 8 Contract Templates (Word) — Subject-To addendum, plain-English seller disclosure, loan-info authorization, seller-carry note, limited POA, wrap rider and servicing letters, written as attorney-review drafts

THE EXAMPLE INSIDE

A $250,000 rental. The seller owes $176,800 at 2.875%. With Subject-To plus a seller-carry note, the buyer needs $16,000 to close and cash flows $156/month. A 25%-down bank loan on the same house needs $70,300 and cash flows $6/month.

HONEST BY DESIGN

No "no-risk" hype. The lender can still call the loan due, and a land trust doesn't change that. This kit shows you how to buy deals that survive the stress test, keep the seller's credit safe, and know when to walk away.

WHO IT'S FOR

US investors buying single-family homes and small rentals (1–4 units), from first deal to tenth — plus agents and wholesalers who want to explain these options clearly.

GOOD TO KNOW

• Instant digital download. Works with Microsoft Excel, Google Sheets and any modern browser.

• Educational tool, not legal, tax or lending advice. Close every deal with a local real estate attorney and title company.

• 2026 Edition, with figures verified October 2026. Stack money. Be wise. — Stackwise