Generations Of Wealth

Subject-To Deals Keep Failing—Here’s the Real Problem

In this episode of the Generations of Wealth Podcast, Derek sits down with Caleb Christopher, creative finance expert, consultant, and owner of Creative Title, to dive into one of the most misunderstood areas of real estate investing—creative finance.

Together, they unpack subject-to transactions, wraparound mortgages, land trusts, contract-for-deed agreements, lease options, title insurance, due-on-sale clauses, and why having the right title company can make or break a deal.

Whether you’re new to creative finance or have years of experience, this conversation is packed with practical knowledge that can help investors structure deals more safely, legally, and ethically.