Free Subject-To Mortgage Calculator
Model your subject-to deals before you structure them. Freddie calculates cash flow, equity position, and total return on any subject-to acquisition.
Everything in This Free Tool
Real Deal. Real Numbers. Analyzed Free.
Dan White, 20-year fix-and-flip veteran in Northern Virginia, used FreeDealCalc to analyze a $130,000 wholetail opportunity in under 5 minutes. No spreadsheet. No paid software. Just Freddie.
"I've been flipping houses for 20 years and I built this tool because nothing free was actually good enough. Freddie does what I used to do with spreadsheets — but in seconds, for free, for every investor who needs it."
A buyer who purchases this property as a wholetail deal undertakes all renovation work at their own direction, cost, and risk. The seller makes no representations regarding property condition and all sales are as-is. Buyer is responsible for all due diligence, inspections, and compliance with local codes and regulations.
Frequently Asked Questions
What is a subject-to mortgage in real estate?
Subject-to means you purchase a property and take title while the seller's existing mortgage stays in place — you make the payments but the loan remains in the seller's name. It's a creative financing strategy that lets you acquire properties with little to no money down.
How do you calculate returns on a subject-to deal?
Returns depend on the existing loan terms. Calculate monthly cash flow (rent minus existing PITI minus expenses), equity at acquisition (value minus loan balance), and total return at exit (cash flow plus equity captured minus your acquisition costs).
What is the due-on-sale clause risk in subject-to?
Most mortgages contain a due-on-sale clause that technically allows the lender to call the entire loan balance due if the property transfers title. In practice, lenders rarely invoke this as long as payments are current — but it's a real risk to understand before structuring any subject-to deal.
When does subject-to make sense as a strategy?
Subject-to works best when: the seller has equity and needs out fast, the existing loan has a below-market interest rate (especially relevant in high-rate environments), the loan balance is manageable relative to value, and the property cash flows well with the existing payment.
How do I protect myself in a subject-to deal?
Use an attorney to draft the purchase agreement and title transfer. Consider a land trust to hold title. Make payments through a loan servicing company. Maintain adequate insurance. Communicate with the seller about your plans. Get a title policy. Freddie helps you analyze the numbers — always use legal counsel for the structure.
Is subject-to investing legal?
Yes, taking title subject to an existing mortgage is legal. The due-on-sale clause gives the lender the right to accelerate the loan but it is not illegal for you to acquire the property. Many investors have done thousands of subject-to transactions without lender acceleration.
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