Скачать или смотреть Novation vs. Wrap vs. Subject‑To – Which Acquisition Tool Wins?

“Novations” are trending, but savvy investors know they’re just one way to control a property without new bank debt. In this no‑fluff breakdown, attorney‑investor Scott Horne compares novations, wraparound mortgages, and short‑term subject‑to deals—explaining when each strategy shines, where the legal land mines hide, and how to protect yourself (and the seller) every step of the way.

Key takeaways:
Why an “attorney‑in‑fact” agreement is NOT a power of attorney
When novations make sense—and when you should walk away
Structuring 6‑ to 12‑month wraps to avoid FHA/90‑day headaches
Protecting rehab dollars with LLC co‑ownership & second liens
Payment‑mapping tricks that satisfy sellers without killing cash flow

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⏰ Chapters
00:00  Intro – Fancy Names, Old Tricks
00:28  What a Novation Really Is
01:10  The “Attorney‑in‑Fact” Myth
02:04  Why Investors Use Novations (Pros & Cons)
03:17  Biggest Risk: No Security for Your Rehab $$
04:00  Safer Play: LLC + Second Lien Structure
05:01  Title Company & HUD Settlement Tips
05:57  Short‑Term Wraparound Alternative
07:00  Handling the 90‑Day Flip Rule
07:46  Payment‑Mapping to Entice Sellers
08:49  Subject‑To Gap Funding Ideas
09:32  Foreclosure Timelines & Seller Protection
10:06  Choosing the Best Tool for Each Deal
10:45  Final Thoughts & Next Steps

Scott Horne has been a real estate, title attorney, and investor for over 30 years. Over this time, he has purchased, rehabbed, and sold over 7,000 single family homes. Through his companies and law office, he has transacted over 10,000 creative finance deals. Scott’s experience as both an attorney and an investor puts him in a unique position to help you navigate this tricky business every step of the way.

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5. Owner Financing for Realtors
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