Brittany Dawn FieldsSouth Oregon Creative Solutions · Real Estate Investor

What Real Estate Agents Can Do When a Seller Has No Equity

Name: What Real Estate Agents Can Do When a Seller Has No Equity
Uploaded: 2025-10-24T14:01:05+00:00
Duration: 1 min 23 s
Channel: Brittany Dawn Fields
Description: In this short‑form video, the speaker addresses real‑estate agents who encounter sellers lacking equity in their homes. She outlines three common but…

24 Oct 2025 · 1 min

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1:23

In this short‑form video, the speaker addresses real‑estate agents who encounter sellers lacking equity in their homes. She outlines three common but ineffective approaches—listing for full market value, asking the seller to pay out‑of‑pocket, or listing and hoping for a sale that often ends in an expired listing and no commission. She then introduces an alternative: a "subject‑to" transaction where an investor purchases the property, the existing mortgage remains in the seller’s name, but the deed transfers to the buyer. The investor covers all closing costs, including the agent’s commission. The speaker emphasizes that this model works for sellers forced to move due to job changes, divorce, or payment difficulties, provided the buyer is carefully vetted for experience and reserves. She concludes with a call to action, inviting viewers to DM her for details on seller protection and the process.

Chapters

Real estate agents, what do you do when your client needs to sell but they don't have any equity in their home? Do you list it hoping for a full market value offer? Do you explain to them that they're probably going to have to come out of pocket in order to sell? Or do you list it hoping for the best, knowing it's probably going to turn to an expired listing, the seller is going to be stuck with their mortgage, and you're not going to earn a commission? Well, what if I told you there was another option? Well, how it works is you partner with an investor like us. The existing mortgage stays in the seller's name, but the deed does transfer over to the buyer. The buyer pays all closing costs, including your commission. Now, this might sound like a risky solution, but let me tell you why it works. There are a lot of cases where the seller has to sell. Either they're moving because of a job offer that they took in another location, Maybe they're going through divorce, or maybe they just are having a hard time making the payment. This is where we come in with this solution. It's called subject to. We find ways to protect the seller so that they're covered and their risk is fully mitigated. Now, that doesn't mean you should just jump into this arrangement with any buyer. You definitely want to make sure that you vetted the buyer, they're someone with experience, and they have reserves. If you want to learn more about how we protect the seller or how the process works, shoot me a DM.