Subject-To Risk Analyzer
Score due-on-sale risk, model payment safety margins, and assess sub-to deal viability before taking over a mortgage.
Subject-To Risk Analyzer
Evaluate due-on-sale risk, cash flow, and deal viability before taking over an existing mortgage.
Existing Mortgage
Property & Deal
Due-on-Sale Risk Score
Moderate risk or tight margins. Ensure you have reserves and an exit strategy.
Risk Factor Breakdown
Historically rarely enforces DOS on performing loans
Conventional loans have moderate DOS enforcement risk
40% equity — lender motivated to recapture
+2.5% vs market — strong incentive to reissue
$150,000 remaining — may not be worth lender effort
Financial Analysis
+$404
$1,800 rent - $500 exp - $896 P&I
37.3%
$4,847/yr on $13,000 invested
$13,000
$10,000 seller + $3,000 closing
$90,000
$250,000 value - $150,000 debt - $10,000 seller
45%
Cash flow as % of mortgage payment
60.0%
$150,000 debt / $250,000 value
Worst-Case Scenarios
If DOS Is Called
You need $150,000 to pay off or refinance the existing loan(s).
Refinance Readiness (7% Market Rate)
New 30yr refi payment: $998/mo — cash flow would be +$302/mo
Walk-Away Exposure
If the deal fails entirely, your maximum loss is $13,000 (cash to seller + closing costs).
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