Creative Finance Summit

The case for a better structure

Where subject-to falls short

Our review of investor discussions from 2025 and 2026 identified five recurring risks in subject-to transactions.

01
What if the lender calls the loan?
Most U.S. mortgages carry a due-on-sale clause. Lenders rarely enforce it, but they can. As one Tampa lender put it: “It's a question of IF they will act.”
02
What if my wrap buyer stops paying?
Many subject-to deals are resold on a wrap. When taxes or insurance push the payment up, or the buyer falls behind, the investor is caught in the middle.
03
How do I protect the seller?
The loan stays in the seller's name. If payments stop, the seller's credit takes the hit. Investors want structures they can explain with a clear conscience.
04
Who insures, services and closes it?
Insurance, loan servicing and finding a title company that will close are some of the most common practical questions.
05
Where is the market heading?
In January 2026 a Jacksonville news investigation linked 32 Florida foreclosure lawsuits to subject-to deals. Sellers and agents are paying closer attention.

The alternative

Performance First Financing

Performance First Financing is a framework for structuring creative finance with and among buyers and sellers. Its processes and mechanisms are designed to protect each party to the transaction, and to address the risks inherent in subject-to structures.

The result is creative finance that is sustainable: transactions sellers can enter with confidence, buyers can rely on, and investors can stand behind.

For sellers

A transaction they understand, with their interests protected rather than left exposed.

For buyers

Terms they can rely on, structured so that performing on their obligations protects their position.

For investors

A repeatable, defensible structure that protects capital, reputation and the relationships deal flow depends on.

For Realtors

Safe transaction terms that command higher prices and faster closings for sellers.

Speakers

Practitioners from across the transaction

John Chin
Specialty to come
Jeff Hatcher
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Speaker to be announced
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The day

Agenda

9:00 AM – 12:00 PMCreative Finance Solutions for Buyers and Sellers
3 hrs FL CE credit · Course #0033285
12:00 PMLunch break
Afternoon – 3:00 PMExpert sessions and live interviews

What you'll walk away with

How Performance First Financing structures creative transactions to protect buyers, sellers and investors
The three-step YES Offer System for making listing agents advocates of your creative finance offers
Where subject-to structures fail, and how to address those risks in the deals you already hold
Direct access to the lender, title and property-management professionals in the room
How to sell more listings on terms instead of reducing the price again
3 hrs of FL CE credit in the morning class (for licensed agents)

Florida real estate CE, 3 hrs: Creative Finance Solutions for Buyers and Sellers, Course #0033285 (9:00 AM – 12:00 PM). Attend the full class to receive credit.

Tickets

Reserve your seat

Early bird

$147

Through Nov 30. $197 after.

Full-day summit, 9:00 AM – 3:00 PM
3 hrs FL CE credit (morning class)
Mpire Financial Training Room, Orlando, FL
Have a sponsor or guest code? Enter it in the form.
Can't make it? Your ticket is transferable.

Questions

Before you ask

I already do subject-to deals. Is this for me?

Yes. The summit explains how Performance First Financing addresses the risks of subject-to, so you can keep structuring creative transactions with stronger protections for every party.

Do I need a real estate license?

No. Investors, agents, lenders and title pros are all welcome. Licensed Florida agents also earn 3 hrs of CE in the morning class.

How does the CE credit work?

The 9:00 AM–12:00 PM class is DBPR-approved Course #0033285, Creative Finance Solutions for Buyers and Sellers (3 hrs). Stay for the full class to receive credit.

What if I can't make it?

Tickets are non-refundable but transferable. Send a partner, an agent or a team member in your place.

I have a sponsor code. Where do I use it?

Enter it in the ticket form below and tap Apply. The price updates before you pay.

Beyond subject-to: creative finance structured to protect every party

Where subject-to falls short

What if the lender calls the loan?

What if my wrap buyer stops paying?

How do I protect the seller?

Who insures, services and closes it?

Where is the market heading?