Membership

The Subject-To Investor Protection Membership offers comprehensive support when a lender enforces the due-on-sale clause. Our team analyzes the situation, crafts a strategic response, and works to mitigate loan acceleration—helping investors protect their deals and maintain control.

How We Support Members if They Receive a Letter From the Lender:

✅ Step 1: Immediate Review & Risk Assessment
Members email the lender’s letter to a dedicated, members-only email address for priority review. Our real estate attorneys assess the lender’s intent and risk level, categorizing it as low, medium, or high based on the letter’s language and past enforcement trends.

✅ Step 2: Strategic Response Guidance

• For Low-Risk Cases: Members receive a templated response to address routine lender inquiries without triggering further scrutiny.
• For Medium-Risk Cases: Our team provides a customized response, ensuring the investor communicates correctly and avoids unintentional enforcement.
• For High-Risk Cases: If the lender escalates the situation or demands full repayment, we coordinate with real estate attorneys to develop a defense strategy and explore all available options.

✅ Step 3: Lender Negotiation & Resolution Support

We provide clear guidance on next steps, including how to communicate with the lender and what to avoid to prevent further escalation. If necessary, we explore alternative resolution strategies such as title structuring, loan servicing modifications, or payment adjustments to reduce lender scrutiny. Additionally, we coach investors on how to maintain compliance and prevent red flags in future transactions.

✅ Step 4: Backup Financing Activation (If Needed)

If the lender refuses to rescind the due-on-sale enforcement, eligible members can activate our exclusive backup financing solution to refinance the problem lender out of the deal and maintain control and uninterrupted ownership of the property.

✅ Financing Terms:
We provide a new loan to eligible members at just 1% above the investor’s original rate, with no upfront closing costs—all fees are rolled into the loan balance. This ensures the investor can refinance the problem lender out of the deal without losing the property or scrambling for emergency cash.

Most Subject-To investors are unsure how to respond to lenders, often resulting in avoidable loan acceleration.Traditional attorneys charge high hourly fees, but our membership offers ongoing lender defense - from real estate attorneys - for a low monthly cost.

If the due-on-sale clause is enforced, investors typically scramble for solutions—but our members have a structured plan and expert guidance to navigate lender actions. This membership eliminates uncertainty, prevents costly mistakes, and helps Subject-To investors protect their deals.