Скачать или смотреть Should You Take Over a High‑Interest Loan Subject‑To?

High interest rates don’t automatically kill a subject‑to (Sub2) deal—but they do change how you analyze it. In this video, Scott breaks down when it still makes sense to take over a higher‑rate mortgage (including DSCR loans), when a wraparound exit beats a rental, and when to simply walk away. We cover rate cycles, 30‑year vs. 15‑year terms, Texas taxes/insurance realities, and how to let the numbers (not emotions) make the call.

You’ll learn:
How to compare a high‑rate Sub2 vs. getting a new bank loan
Why a 30‑year DSCR Sub2 can still beat a 15‑year bank note
Market‑by‑market realities: Texas vs. lower‑tax states & small towns
Rental vs. wraparound owner‑finance exits when cash flow is tight
A simple “proceed or pass” framework for higher‑rate takeovers

If this helps, please like 👍, comment your scenario, and subscribe for more creative finance breakdowns.

Chapters
0:00 Intro & goal of the video
0:19 Rate history: 70s–90s context
0:30 Why 16–18% Sub2 almost never made sense
0:54 The 90s: new bank money at 7–8% vs. old high‑rate notes
1:15 2008–2014: ultra‑low rates & today’s Sub2 opportunities
1:41 Why you’re seeing higher‑rate loans again
1:53 DSCR loans at 7–9%: where they fit
2:07 Bank rates vs. DSCR: 15‑yr vs. 30‑yr math
2:31 When a high‑rate Sub2 still pencils
2:39 The rule: run the numbers first
3:14 Texas realities: taxes & insurance pressure
3:31 Example: $300k house, rent ≈ $2,200—does it work?
4:04 If rentals don’t cash flow: wraparound exit options
4:25 Owner‑occupant angle: take now, refi later
4:46 Other states & smaller markets: lower taxes, better spreads
5:17 The PITI vs. rent relationship
5:35 Cash flow vs. appreciation trade‑offs
5:55 Rental vs. wrap: choose the right exit
6:13 Knowing when to walk away
6:21 “Available” ≠ “Deal”
6:44 Wrap‑up & subscribe

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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