Subject-to financing for Airbnb arbitrage keeps the loan in the seller's name, which tanks their debt-to-income ratio and makes future purchases impossible. If the relationship sours, the seller can demand out, triggering the lender to call the loan due and killing your business.
Airbnb arbitrage, I've never talked to somebody who has a successful repeated business of doing that. What goes wrong with subject to? Well, here's the thing is people don't understand that because the loan stays in their name, that's still on their debt-to-income ratio. So every single time it's like, oh, I want to go buy another house after. It's like, well, that's going to make it a lot more difficult. But also it doesn't just happen right after. You're in a long-term relationship with these people that can go on for years and years. And all of a sudden, 5 years down the road, they can be like, oh, fuck you. I don't want you doing this anymore and cause problems. Comes to the bank, all of a sudden the loan becomes due. There's just shit that can happen.
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