Re-lo — relocation real estate platform

All paths to ownership
Subject-To

Take title. Keep their mortgage. Skip the bank.

Subject-To means you take ownership of the home — the deed transfers to you — while the seller's existing mortgage stays in place. You continue their monthly payments at their original interest rate. For loans originated in 2020–2021, that rate is often 2.5%–4%, vs. today's 7%+ — sometimes the cheapest financing in the entire market.

How it works

Step by step.

01

Match a listing

Every Re-lo subject-to listing shows the assumed rate, remaining balance, and current monthly P&I up front. Pick one that fits your monthly carry.

02

Negotiate the structure

You and the seller agree on a price — usually their current loan balance plus modest equity. Re-lo's advisor network handles the paperwork: deed transfer, performance mortgage, trust language.

03

Close in 21–45 days

No bank underwriting; no appraisal contingency tied to a new loan. Title insurance and attorney review still happen. You move in.

04

Make the payments

Payments continue on the seller's loan, often through a third-party servicing company so both sides have a clean audit trail.

Who it’s for

Best fit.

  • Buyers without traditional mortgage approval (self-employed, newcomers, recovering credit)
  • Buyers who want today's home at yesterday's interest rate
  • Investors building a cash-flowing portfolio without depleting bank-approval bandwidth
What you’ll need

Before you start.

  • Down payment to cover the seller's equity (varies widely — often 5%–20% of price)
  • Cash to cover closing costs, title insurance, and any reserves
  • A real-estate attorney experienced in subject-to (we refer)
  • Discipline to make the underlying mortgage payment on time, every time
What to watch for

Risks & trade-offs.

Every acquisition strategy has trade-offs. Going in with eyes open is the difference between a great deal and a painful one.

  • Due-on-sale clause: the lender CAN call the loan if they discover the transfer. In practice, performing loans are rarely called — but it's not zero risk.
  • Insurance: you'll need a new policy in your name; some carriers won't write subject-to. Re-lo's advisor network knows which will.
  • Seller still on the loan: if you stop paying, their credit suffers. Most deals use a performance mortgage or trust to protect both parties.
Sellers: subject-to lets you offload a hard-to-sell property (low equity, stuck rate, distressed timing) faster than a traditional sale. Re-lo connects you with vetted subject-to buyers.
Common questions

FAQ.

Still curious? Re-lo’s advisors can walk you through a specific scenario.

Is subject-to legal?
Yes — it's been a recognized acquisition strategy for decades. The due-on-sale clause gives the lender the right to call the loan but rarely does on performing notes.
Whose name is the loan in?
The seller's. The deed is in your name; the loan stays in theirs until you refinance or sell. Hence the importance of a performance mortgage protecting their credit.
Can I refinance later?
Yes — once you've held the property long enough to build equity, refinancing into a loan in your name is the typical exit. Most subject-to deals plan for a refinance within 3–7 years.
What if the lender calls the loan due?
You'd need to refinance, sell, or arrange alternate financing within 30 days. Plan for this scenario by maintaining the property's marketability and your refinance-ability.
Ready?

Browse subject-to listings in Florida.

Every Re-lo listing tells you the exact terms — rate, balance, monthly carry, what you’ll need to bring to close — before you ever fill out a form.