Hans takes you inside a live phone call with a subject-to seller, demonstrating how to navigate objections and clarify the Sub2 process. The seller, an out-of-state homeowner with a low-equity expired listing, mistakenly believes Hans proposed a formal loan assumption. Hans calmly corrects this, explaining that Sub2 involves a non-qualifying assumption, taking title while leaving the FHA loan in place, secured by third-party authorization and limited power of attorney. Facing the classic objection—“What if you stop making payments?”—Hans responds with brutal honesty, emphasizing his financial stake and track record of never missing payments on over 30 loans. The seller, planning to relist but open to a Plan B, requests a preliminary contract for his attorney to review, which Hans confidently agrees to provide.

A masterclass in handling Sub2 negotiations with transparency and finesse!

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