Subject-to
- Contract to close
- 21 days
- County
- Rutherford
Existing loan stayed in place. Servicer set up before funding so the seller's first statement arrived on time.
The setlist.
What investors ask us most, answered in plain English. Take what you need.
The Creative Close Checklist
Every document, party, and deadline for a subject-to, seller-finance, and wrap closing, on one page. The same checklist our coordinators run.
Guides.
For investors deciding whether to hire a TC
What a transaction coordinator actually does on a subject-to deal
A plain walk-through of the work between a signed subject-to contract and a funded close — and what happens when nobody owns it.
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For a deal under contract right now
The subject-to closing checklist, step by step
Every document, party, and date on a subject-to file from executed contract to recording. Print it or hand it to whoever is running your file.
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Tennessee specific
Seller finance in Tennessee: the documents your title company will ask for
What a Middle Tennessee closing agent needs to record a seller-carry deal, and why the note and deed of trust have to be right before closing day.
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Send this to your seller
Wraps, explained for the seller you're talking to
A page you can hand a homeowner who has just heard the word wrap for the first time. What it is, what it isn't, and how they get paid.
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For first-time novations
Novations: who does what, and when it goes wrong
The three-party structure explained by role, plus the four places novation files stall and how a coordinator keeps them moving.
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Local
How to pick a title company for creative deals in Middle Tennessee
Six questions that separate a title company that will close your subject-to from one that will refuse it on day twenty.
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By county.
Recording costs, local quirks, and what we see most in each county we work.
Recent shows.
Closed files, newest first: deal type, days from contract to close, county, and one line on what made it interesting.
Seller finance
- Contract to close
- 28 days
- County
- Davidson
Note and deed of trust drafted by a creative-finance attorney; title company recorded its first seller-carry file without a hitch.
Wrap
- Contract to close
- 19 days
- County
- Williamson
Two loans, one servicer, one payment. Buyer, seller, and lender on a single thread from day one.
The three deal types we close most, shown as examples. Real closed files replace them as they fund — follow along at @musiccitytc.
Sent here by an investor?
If you're a homeowner selling to one of our clients, this page is for you. It explains what happens between now and closing, who will contact you, and what you'll be asked to sign. Written without jargon, because you didn't ask for any.