EP 104: Subject To vs Seller Finance: What a 50+ Year Investor Would Do Today

In this episode, Courtney sits down with longtime mentor Leon Johnson to break down what actually holds up in Creative Finance after five decades in Real Estate. They compare Subject To and Seller Finance through the lens of real-world risk, not guru hype, including how due-on-sale changed the landscape, why Leon avoids being “sandwiched” long term, and when a short-term Subject To can still make sense.

Leon also shares why he prefers long-term Seller Finance with no balloons, how simple language wins deals, and the questions that uncover what sellers truly want. If you want to structure cleaner offers, reduce admin headaches, and build deals that create freedom and peace for both sides, this conversation will reset how you think about terms.

ATTENTION:The information shared in this episode is for educational and informational purposes only and reflects personal experiences and opinions. It is not intended as legal, tax, financial, or investment advice. Real Estate laws, tax rules, and regulations vary by state and situation. Always consult with a qualified attorney, CPA, or other licensed professional before making any Real Estate or financial decisions.

Connect Further with Courtney Fricke

Website: www.CourtneyFricke.com

Instagram: https://instagram.com/courtneyfricke

YouTube: https://www.youtube.com/@UCfZlfkGpNzcMuDh6NX7xVpQ

TikTok: https://tiktok.com/@courtney.fricke

Facebook: https://www.facebook.com/courtneyfricke19/

X: https://x.com/courtneyfricke

DM If You Have a Curative Title Lead in South Louisiana or Central Florida (Tampa Bay area)

If you found this conversation helpful, subscribe and follow for the next episode.

Subscribe to Courtney's Podcasts with various co-hosts:

The Strategic Success Podcast: https://www.youtube.com/playlist?list=PL_t1CjX04xMtnNcKPG5LvTh-1m2QVIrY4

AI for REI Podcast: https://www.youtube.com/playlist?list=PL_t1CjX04xMvxWaWZ6RTzx_Bmfe2Cx2xH

Louisiana Real Estate Talks Podcast: https://www.youtube.com/playlist?list=PL_t1CjX04xMsUc4TcAH_uyYDMPzzU6xRy

Messy Money (Curative Title) Podcast: https://www.youtube.com/playlist?list=PL_t1CjX04xMtBIyWGIO5Mvi2FDn2f436N