Where To Find Owner Finance Homes. Subject to Investing when buying a Real Estate property using creative financing where the homeowner becomes your private bank, and the real estate investor does not have to go to the bank to get a loan, nor does the investor need credit to start flipping houses. What is subject to investing? Subject to investing is a creative real estate strategy. Simply put, where the investor takes over the house payments and the deed of the house is conveyed to the real estate investor at the title company. Therefore the real estate investor becomes the "real" owner of the house while leaving the underlying existing mortgage in place. Thank you for clicking the LIKE and the Subscriber Button. Thanks for watching!!