What is a subject-to real estate deal?

A subject-to deal means the buyer takes over the seller's existing mortgage payments without formally assuming the loan. The loan stays in the seller's name but the buyer makes the payments. It allows sellers with little or no equity to exit their property without a traditional sale.

Can I sell my house in Michigan if I owe more than it's worth?

Yes. Through a subject-to transaction, Ethical Properties LLC can take over your existing mortgage payments even if you have no equity in the property. You walk away without paying any shortfall.

Subject-To Acquisitions

Upside Down on Your Mortgage? We Have a Solution.

Can't sell the traditional way? Owe more than the home is worth? We specialize in subject-to transactions — we take over your existing mortgage payments and you walk away from the obligation without needing to list, wait, or pay agent commissions. No equity required. No perfect credit needed.

No Equity? No Problem

We don't require you to have equity in the property. We take the loan as-is and step into your place on the mortgage obligation.

Fast, Quiet Close

No MLS listing, no showings, no waiting on traditional buyers. We move on your timeline and handle all the paperwork.

Protect Your Credit

Once we take over payments, the mortgage continues to be paid on time — protecting your credit while you move forward with your life.

Zero Agent Commissions

You keep what you receive. No 6% commission, no closing cost deductions, no surprise fees at the table.

We'll Review Your Situation Promptly

Every subject-to situation is unique. Share the details and we'll come back with a clear explanation of what we can offer and how the process works.

Works even with negative equity
No credit check required from you
All loan types considered
Close in as little as 14 days
Fully confidential consultation

Questions? Email us at
ethicalpropertiesllc@outlook.com

Subject-To Intake Form

A subject-to transaction allows us to purchase your property by taking over the existing mortgage payments while leaving the loan in place. If you're interested in exploring this option, please complete the short form below so we can better understand your situation.

1 — Property Information

Property Address

Property Type

Occupancy Status

Property Condition

Estimated Property Value (optional)

2 — Mortgage Information

Mortgage Company / Loan Servicer

Loan Type

Current Interest Rate % (optional)

Estimated Loan Balance (optional)

Total Monthly Payment (optional)

Months Behind on Payments

Amount Past Due (optional)

3 — Additional Loans or Liens

Second Mortgage or HELOC?

Any of the following owed on the property? (check all that apply)

Back Property Taxes HOA Dues IRS or Tax Lien Contractor / Mechanic Lien None of the above

4 — Seller Situation

Why are you considering selling?

How soon do you need a solution?

5 — Subject-To Interest

Would taking over your existing mortgage payments help solve your situation?

Are you open to leaving the current mortgage in place while the property is sold?

6 — Contact Information

Full Name *

Phone Number *

Email Address *

Best Time to Contact