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um subject to is a strategy one of multiple strategy of acquiring control of a property okay its a strategy to acquire control of the property because just because i bought something subject to doesnt mean i actually have to own the property which is interesting okay it is the process of buying a home without having to qualify without having to assume the loan without having to show bank records tax tax records proof of funds or anything really what youre doing in subject-to is you are taking over somebody elses existing debt and you are taking over the property so what happens in a subject-to transaction is somebody owns a house that house has a mortgage to wells fargo you the buyer instead of paying off that mortgage to wells fargo you simply take ownership of the property by transferring the deed or the the own the certificate of ownership into your name but the mortgage always plays in the sellers name so the way i look at it is this cody do you do you buy um things with a cre