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Most Subject-To deals don’t fall apart at closing… They fall apart the moment your seller finally understands what they signed up for. In this episode, Hannah breaks down why so many “locked up” SubTo deals get cancelled after paperwork is sent — and how poor expectation setting during acquisition is quietly killing creative finance transactions before they ever make it to title. If your seller is learning that the mortgage stays in their name from your TC’s document package… you never had informed consent to begin with. We also dive into: The real role of a Transaction Coordinator in creative deals Why disclosure should happen before contract, not during paperwork The ethical (and legal) risks of naked SubTo deals How to prevent fallout before it reaches closing What sellers must fully understand before signing ⏱️ Chapters 00:00 – Intro 01:12 – Why SubTo deals get cancelled after contract 03:48 – Sellers seeing the SubTo addendum for the first time 06:25 – “Wait… the mortgage stays in my name?” 09:10 – The TC’s role in Subject-To deals 12:04 – Why expectation setting matters during acquisition 15:37 – Informed consent vs conditional interest 18:22 – What is a Naked SubTo deal? 21:05 – Seller risk without proper protections 24:40 – Minimum documents every ethical SubTo needs 27:18 – Preventing deal fallout before closing 29:55 – Final thoughts