A Practical Decision Checklist
Before pursuing a Subject-To home purchase in Las Vegas, pause and walk through this checklist honestly. There are no “right” answers — only aligned ones.
✅ Financial Readiness
- I have consistent, predictable income
- I can comfortably make the payment without stress
- I have an emergency fund (6+ months is ideal)
- I’ve accounted for HOA, insurance, taxes, and maintenance
If payments feel tight on paper, they will feel tighter in real life.
✅ Emotional & Ethical Readiness
- I understand the seller’s credit remains tied to the loan
- I’m comfortable carrying responsibility that affects another person
- I value transparency over speed
- I would still feel okay if the arrangement required extra effort later
This structure requires maturity, not just affordability.
✅ Risk Tolerance
- I understand what a due-on-sale clause is
- I’m prepared for uncertainty, even if the risk is low
- I’m not relying on “it probably won’t happen” as a plan
If uncertainty keeps you up at night, this may not be your path.
✅ Lifestyle Fit
- I’m comfortable with complexity and follow-through
- I don’t need a “set it and forget it” arrangement
- I want flexibility more than simplicity
Subject-To works best for people who stay engaged with their finances.
✅ Professional Support
- I’m willing to consult a real estate attorney
- I will review title, escrow, and disclosures carefully
- I’m not being discouraged from getting advice
Any structure that avoids professionals is a red flag.
Final Check-In Question
If interest rates dropped tomorrow, would I still feel good about this arrangement?
If the answer is yes, you’re likely considering it for the right reasons.