What Is Subject-To Real Estate? Pros & Cons for South Florida Sellers

Selling a house in South Florida can be complicated if you’re behind on payments, have little equity, or are facing foreclosure. One increasingly popular solution is selling your house using a strategy called “Subject-To.” This approach allows you to transfer ownership while the mortgage stays in place—giving you a way out without full payoff.

What Does “Subject-To” Mean?

When you sell a property Subject-To the existing financing, the buyer agrees to make your mortgage payments, but the mortgage stays in your name. The deed transfers, but the loan does not.

It’s perfectly legal and a common tool used by real estate investors to help sellers in distress. But it’s not widely understood.

Why It Works in Florida

Florida has a judicial foreclosure process, meaning foreclosures can take months and even years. Subject-To deals help both sides avoid drawn-out court timelines. It’s especially helpful in cities like Fort Lauderdale, Miami, and West Palm Beach.

Pros for Sellers:

• Avoid foreclosure

• No need to pay off loan

• Faster closing than traditional sale

• Often avoids real estate commissions

Cons to Consider:

• The loan remains in your name

• Not suitable for all mortgage types

• You must trust the buyer to keep making payments

Real World Example – Miami Homeowner Avoids Bankruptcy

Maria had a duplex in Miami with a $280,000 mortgage. She couldn’t keep up with the payments and didn’t have enough equity to sell. Her credit was already suffering. We stepped in, took over the mortgage payments via Subject-To, and she avoided foreclosure. Her credit was spared, and she didn’t owe a penny at closing.

Why Aventis Stands Out

We’re not just another investor group. We use attorneys to draft all documents, protect your interests, and walk you through every step. Transparency and trust are our priorities.

Wondering if Subject-To could help you? Contact Aventis Property Group today to explore your options with zero pressure.