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[Music] common question i get all the time pace what happens if i default or the buyer defaults on a subject to loan well one of my favorite things in the world to do is actually do zooms with people to actually understand the question but this question came from somebody in our youtube comments so im gonna do my best to answer it okay question is pace what happens if you default on a subject to loan well not much different than if you default on any loan first and foremost your piece of okay because youre not paying your bill so lets just get that straight out of the gate the reality is number one if im buying any property as a real estate investor and im not dave ramsey because dave ramseys gonna tell you to save your entire life until youre 81 years old to make your first million dollars if im dave ramsey im buying houses with cash and thats stupid im telling you its incredibly dumb to pay houses with cash its dumb its dumb if youre not utilizing leverage youre not g