Bank qualifying keeps most buyers out of the market. The Subto model lets you take over an existing payment structure — no 20% down, no 700+ credit score, no 45-day underwriting window.
Negotiate a down payment you can afford — often a fraction of what a conventional lender requires.
Your agreement is with the seller, not a lender. Credit history matters less than the terms you can honor.
Every monthly payment builds your equity in the property. Refinance or sell on your timeline.