EP 106: Why Most Investors Should NOT Do No Equity Subject To Deals

Feb 23, 2026

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Low to no equity Subject To deals are being marketed as the fast track to building a Real Estate portfolio.

But should they be?

In this episode, Courtney breaks down why she does not believe low, no, or negative equity Subject To deals should be promoted to the masses. This is not a Courtney vs. guru episode. This is a conversation about sound investing, risk management, and portfolio responsibility.

After receiving pushback from experienced Creative Finance investors and even running her philosophy by her mentor, Courtney outlines the two traits she believes are absolutely required to successfully handle these higher-risk financing strategies.

This episode challenges the idea that “no equity” is harmless and encourages investors to take a hard look at competency, cash reserves, character, and overall portfolio temperature.

If you are building your business around Subject To or Creative Finance, this conversation matters.

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.

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

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