05/12/2026
This is the cheat sheet I wish someone handed me when I was getting started.
We get DMs every week from new investors who tied themselves up in a deal that was screaming red flags from the start. They missed the signs because nobody taught them what to look for.
Comment “FLAGS” for the full checklist, so you don’t miss a thing.
🟢 GREEN FLAGS
- Seller motivated by SITUATION, not just price (divorce, probate, tired landlord)
- Low or no existing mortgage
- Below-market interest rate to take over
- Numbers work on at least 2 exit strategies
- Seller wants monthly cash flow over a lump sum
🔴 RED FLAGS
- Seller only cares about price
- Won’t disclose loan details
- High interest rate (SubTo only works if their rate beats today’s)
- Title issues, liens, or HOA judgments
- Numbers only work on ONE exit
Here’s the part most people miss:
Creative finance isn’t a paperwork game. It’s a people game.
You’re solving a real problem for a real human and building a real relationship. When the situation’s right, the structure works beautifully.
Comment “FLAGS” for the full checklist so you can find and close deals the right way.
