WEDNESDAY, FEBRUARY 18TH AT 12:00 PM EST
Sub2 Part Two: The Risk, Responsibility, and Reality After Closing
Part One primarily explains how to do a subject-to deal, walking through mechanics like deal structure, due diligence, insurance setup, lender communication basics, and the closing process. Part Two shifts from execution to risk, trust, and long-term responsibility, introducing deeper discussion around why trust is central to subject-to transactions, how sellers, partners, and lenders evaluate that trust, and why these deals demand credibility beyond paperwork. It also adds post-closing reality, detailing ongoing obligations such as repeated lender and insurance communication, escrow management, seller interaction, and unexpected issues, while clearly positioning subject-to as an advanced investing strategy requiring higher risk tolerance, greater cost, more time, and a fully engaged professional team from the outset.
Trust Mechanics
Subject-to deals only work when sellers, lenders, and partners believe you can responsibly manage a loan you did not originate. Viewers will learn how trust is built, tested, and sometimes broken, and what structures and behaviors reduce the risk of a deal being called due.
Post-Closing Reality
Unlike traditional transactions, subject-to deals demand ongoing attention long after the closing table is cleared. This section reveals what investors must actively manage with lenders, insurance companies, escrow accounts, and sellers to keep deals stable and profitable.
Managing Advanced Risk
Subject-to investing is not beginner-friendly, and Part Two clearly explains why. Viewers will gain practical insight into the added time, cost, compliance pressure, and conflict resolution skills required to succeed without exposing themselves to unnecessary risk.
CHECK OUT PART ONE
Our Speaker - The Sub2 Cowboys
** CUE WESTERN SOUNDTRACK**
Known as the Sub2 Cowboys, John Hamrick Jr. and Brian Elam bring decades of experience to the real estate trail, each forged in a different but complementary discipline. John, an insurance professional for over three decades and a longtime investor, understands how risk, coverage, and preparation protect a portfolio when the terrain shifts. Brian, a North Carolina real estate attorney since 1999 and lifelong entrepreneur, brings legal clarity and a steady hand shaped by a belief in ownership, responsibility, and helping others succeed. Like seasoned hands passing down hard earned wisdom around a campfire, the Sub2 Cowboys share practical insight designed to help investors navigate Subject To investing with discipline, foresight, and respect for the rules of the land.
American IRA, LLC, a South Dakota limited liability company, serves as a Third Party Administrator on behalf of the Custodian, New Vision Trust Company, a state chartered South Dakota Trust Company. As a Self-Directed IRA administrator we are a neutral third party. We do not make any recommendations to any person or entity associated with investments of any type (including financial representatives, investment promoters or companies, or employees, agents or representatives associated with these firms). We are not responsible for and are not bound by any statements, representations, warranties or agreements made by any such person or entity and do not provide any recommendation on the quality, profitability or reputability of any investment, individual or company. The terms "we" and "us" refer to American IRA, with an office located in Sioux Falls, SD.