Skip to content

Subject-to

Keep their loan. Solve their problem.

Land AI finds owners behind on payments or stuck with low equity, explains a subject-to path in plain language, and drafts agreements so you can take over the existing financing.

Start free See how it works

Free to start · a small share only when a deal closes

The problem

Where subject-to deals usually stall.

Low-equity sellers are stuck

They cannot sell for enough to pay off the loan.

Creative terms need trust

Sellers need a clear, calm explanation.

Paperwork must be precise

Subject-to agreements need careful drafting.

What changes

With Land AI, it simply moves.

Take over existing financing and solve problems cash cannot.

Deals other buyers pass on

Low-equity homes become opportunities.

Clear, patient communication

Messaging that explains options plainly.

Agreements prepared

Your subject-to templates applied every time.

See it work

Find the owner. Start the conversation.

Land AI pulls owners straight from public records, scores who is most likely to say yes, and opens a natural, screened conversation on your behalf.

Land AI · Charlotte, NC
3 likely sellersVacant · AbsenteeTax delinquent
Land AI · Inbox

Marcus · seller

Honestly I’m tired of dealing with the house on Elm. Tenants left it rough. What would you even pay?

Drafted by Land AI

That sounds exhausting, Marcus. We buy as-is, so no repairs and no showings. Based on the area, I can offer a fair cash price and close on your timeline. Can I send a written offer today?
Screened · safe to sendQuiet hours respectedMotivation: high

Use cases

Where subject-to shines

01

Pre-foreclosure

Owners behind on payments who need relief.

02

Low-equity sellers

Owners who cannot afford to list.

03

Relocations

Owners who must move fast.

04

Low-rate loans

Existing financing better than today’s rates.

How it runs

Four steps. Then it runs itself.

  1. 01

    Find the fit

    Pre-foreclosure and equity signals.

  2. 02

    Explain the option

    Patient, plain-language outreach.

  3. 03

    Sign the agreement

    Subject-to terms drafted for e-signature.

  4. 04

    Take over payments

    Close and track the deal.

Why it works

Every deal matched to the buyer most likely to close.

Land AI ranks every buyer against each deal by buy box, recent activity and readiness — then reaches the best fit first.

  • Pre-foreclosure signals
  • Plain-language seller messaging
  • Subject-to agreement templates
  • Approval controls on every term
Land AI · Buyer matching

Deal

3/2 townhome · Charlotte, NC

  • Buyer A · Rental fund94%

    Bought 6 in this zip

  • Buyer B · Flipper81%

    Buy box: 3/2, under $250k

  • Buyer C · Landlord67%

    Prefers turnkey

Top buyer notified first · others queued

The full platform

Ten lead channels. One pipeline.

Everything you need to find, work and close deals is included on every plan.

  • Parcel finder
  • List upload
  • Skip trace
  • Seller offer page
  • Buyer VIP list
  • Intent monitor
  • Distress records
  • Cash-buyer discovery
  • Partner & referral API
  • Inbox capture

Pairs well with

Assignment of contractWholesalingLuxury wholesalingDouble closeFix & flipFlippingWholetailBuy & hold rentalBRRRRNovationSeller financingLand flippingLease option

Questions

Good questions, straight answers.

Still deciding? Read the documentation, compare plans, or talk to us.

What is subject-to?

You acquire the property while the seller’s existing loan stays in place.

Is it risky?

Creative financing has risks. Work with qualified counsel and title professionals.

Can Land AI explain it to sellers?

Yes, in plain language, with your approval on every message.

Does Land AI service loans?

No. Payments are handled by you or a servicer you choose.

Solve problems cash cannot.

Start free and find your first subject-to.

Start free See pricing