Seller Financing and Subject-To

Learn how to use a seller's existing financing to purchase a property. Give them security while you profit with this strategy.

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Brian Sump

After 16 years as a diesel mechanic and only six months into his real estate investing career with Renatus, Brian Sump told his employer “it’s costing me too much money to keep working for you!” He now has over 100 successful real estate transactions under his belt, including subject-to’s, rehabs, wholesales, short sales, and fix-and-flips.  He has worked his way into the private money lending arena, where his money works for him! Brian now shares his knowledge with as many Renatus students as he can. 


" It is possible to purchase homes with little to no money down and no credit or new loans! In this class, Brian Sump will help you master this essential investor tool. Find new opportunities for investing by understanding the concepts, advantages, and processes of purchasing property subject-to the seller’s existing financing. Learn how to offer potential sellers all the security and protection that the bank enjoys, while earning a handsome return on their existing assets. Still a loan on the property? No problem. You’ll be able to transform the seller’s existing financing into your investment capital through a specific and legal process. Learn the power of All-Inclusive Notes, Deeds of Trust and/or Mortgages and how title companies help investors turn huge profits every day. Learn the legal, moral and ethical way to utilize existing resources to create win/win investments for sellers, often times maximizing their sell price to you as the investor, or keeping them out of foreclosure and bankruptcy.  Find the checklists and master the documents you need to buy properties faster, using less capitol than the competition!

  • 01


    This Pre-Assessment is to raise awareness of your current knowledge level and give you a glimpse of the information covered in this course.

  • 02

    Introduction of Course and Instructor

    Brian, a real estate investor who specializes in short sales, subject-to purchases and private money lending, shares disclaimers and goals of the course.

  • 03

    Subject-To Purchasing Basics

    Utilizing class members, Brian explains the basics of subject-to purchases, including motivating factors of the various parties involved and the Due on Sale Clause.

  • Show all 09 segments

    • 04

      Pre-Screening  & Communicating with Sellers

      Gathering information and setting appointments are two of the goals you set when speaking with a potential seller.

    • 05

      Analyzing the Property & Creating an Offer

      Brian offers tips for analyzing the property, from meeting the sellers at the property to inspections, and then discusses the steps for creating your offer.

    • 06

      Negotiating the Deal & Documentation

      Know what steps to take when negotiating your deal, like adjusting numbers and gaining trust, before you complete the transaction.

    • 07

      Analyze the Deal

      The house, the mortgage, the seller and the market are all components you need to inspect and research.

    • 08

      Marketing and Question & Answer

      Which tools are the most effective for you? Brian covers your best options, and also addresses commonly missed questions from the class assessment.

  • 09


    This Post-Assessment is to measure your increased knowledge and see how much information you have retained from the course.