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[Music] a subject to transaction is a transfer of ownership from a seller to a buyer or an investor we need the seller to sign a deed we need them to sign a limited power of attorney and we need them to sign a three-page disclosure so how do you get started on our website mosslawfirm.com we have forms and checklists on this particular matter well need everybody to sign a sales contract we need a copy of a mortgage statement to make sure everythings current if its not wed like to get a payoff and or a reinstatement from the lender so we get everything caught up we will also do a title search a tax search and try to see if theres any encumbrances on the property once we we feel confident that we can proceed we will prepare all the documents both the seller and the buyer will show up here everybody signs up and then we record the instruments one of the ways we protect sellers is by having the buyer sign a deed of trust to secure the assumption should the buyer or a subsequent buyer