Structure a deal where everyone wins
Let’s talk about subject-to deals in commercial real estate—because this question comes up all the time. “Paul… isn’t that risky?” Short answer? Yes—if you do it wrong. Here’s the reality: Subject-to is not about trying to “get around” the system. It’s not a trick= It’s not a loophole. It’s not a shortcut. It’s a strategy—and it has to be handled with integrity. That means: 👉 Strong cash flow. 👉 Real reserves. 👉 Clear expectations. 👉 Conservative underwriting. If the deal only works on paper but falls apart in real life, it was never a good deal to begin with. Creative finance is powerful, but only when it’s built on solid fundamentals. And that brings me to the most important part. The goal is not just to get the deal. Too many investors get so focused on “winning” the property that they forget what real investing looks like. The goal is to structure a deal where everyone wins. The seller gets relief. The bank gets paid. You get a strong asset. The deal actually works long term. That’s the standard. Because real investing isn’t about taking advantage of people. It’s about solving problems the right way. That’s how you build a business that lasts.