Using personal property, talents, or equity in other assets as a substitute for a cash down payment. "Subject To" Purchases:

The secret to "nothing down" deals is finding a seller who needs to get rid of a property immediately, often for reasons other than price (e.g., divorce, job transfer, inheritance, or bad tenants). These owners are often willing to accept creative financing to relieve themselves of the burden of the property. 2. Seller Financing (Owner Financing)

The real estate market has changed significantly since Robert Allen first wrote his book. Banking regulations are stricter, and many modern mortgages contain a , which allows banks to demand full repayment of a loan if the property changes hands (impactting "Subject-To" deals).