I Closed This SubTo Deal Using a Voice Message (No Phone Call, No Meeting)
👋 “What’s up champ?
Today I’m gonna break down exactly how I got a seller finance / SubTo deal in Phoenix, Arizona, without ever seeing the property, without talking on the phone, and without meeting the seller in person.
How’d I do it?
💥 With one simple voice message."
📲 The Lead: How I Got It
“This was a real lead that came in through one of my Alchemy Stones Marketing Systems. The seller reached out through my ad, and my VA used my Ninja Script to qualify him.
Here’s what we found out:
The seller had a VA loan on the property.
No equity—he was barely breaking even on what he owed vs. what it was worth.
He was behind on payments—about $3K to $5K in arrears.
The house had non-performing tenants.
Needed repairs.
He lived out of state, and didn’t want to deal with it anymore."
🎤 My Response: One Simple Voice Message
“I didn’t call him.
I didn’t go to the house.
I just left a voice message—a simple recording that laid out what I could do, like this:
‘Look Mr. Seller, I’m not sure if this is a fit for you, but I can help in one of two ways...’
Then I laid out two options, not formal offers. Here's how I broke it down..."
💸 Option 1: Sell with a Realtor or Cash Buyer
"You could try to sell it retail, but you’ll likely lose money:
You’ll need to evict the tenants
Make repairs (maybe $10K–$15K)
Pay closing costs (another $10K+)
And still cover the back payments
You’ll have to bring $15K–$25K to the table just to get out."
🔑 Option 2: Let Me Take Over the Payments (Subject-To)
"Or, I can just take over the payments:
I’ll bring your loan current
I’ll pay all the closing costs
I’ll handle the tenants
I’ll take care of repairs
And I’ll keep making the mortgage payments under your name
You don’t pay anything, don’t come out of pocket, and you walk away."
💡 No Offers—Just Options
“I never made him an offer.
I didn’t say ‘I’ll give you X dollars.’
I just walked him through the math of his situation, and gave him options.
Why?
Because when you educate the seller and show them the truth—they close themselves.”
💬 Why This Deal Worked
This seller didn’t want to be a landlord. He was out of state, behind on payments, and couldn’t sell retail. He didn’t want to pay thousands just to sell. So my Subject-To solution was a win for him.
And it cost me zero dollars out of pocket to negotiate—because I didn’t spend time on the phone. I didn’t drive out. I didn’t inspect. I just dropped a voice recording.
🧠 The Power of Creative Financing
This is what real estate looks like when you don’t use banks, don’t use credit, and don’t chase cash deals like everybody else.
You solve real problems—and you create win-win deals using your brain, not your wallet.
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