Subject-To Real Estate Explained (+ Private Money Lending on the Same Property!)

Описание: John’s a week away from closing his first subject-to deal, and the real win isn’t the size of the check—it’s the binary shift: deal vs. no deal. That first checkbox proves capability, builds confidence, and creates momentum that makes the next deal easier. I break down subject-to in plain English: you buy the house, take over the existing mortgage payments, and keep the seller’s low interest rate—without using your own credit.

Then John takes it further by deciding to private money lend on the exact same property, stacking two “firsts” at once: first deal as the finder and first deal as the lender funding renovations/furnishing. We talk through why that’s worth it beyond dollars—credibility, trust, and doors opening you can’t measure yet. To put a clean cap on the story arc and make the deal feel fully real, we decide we’re going to Albuquerque to see the actual house and close out the journey on camera.

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I am Kyle Karges and welcome to my channel. I began my career in real estate in 2007 when I bought my first house and rented out all the rooms individually. The cash flow from this property solidified my plans to be a real estate investor. After self-managing my rentals and adding additional properties to my portfolio I expanded into house flips and wholesales. In 2016, I became a Realtor and have been able to use my unique sales, negotiation skills & market knowledge to help my clients get deals done.