Subject to Exhibit

A must-have document for investors purchasing properties while leaving the seller's existing mortgage in place. This "Subject To" Exhibit serves as a comprehensive addendum that clearly outlines the rights, responsibilities, and protections for both the buyer and seller in a subject-to transaction — one of the most powerful acquisition strategies in real estate investing.

This detailed exhibit includes:

• Existing loan acknowledgment clearly stating the mortgage remains in place and is not paid off at closing

• Due-on-sale clause disclosure ensuring both parties understand and accept the associated risks

• Authorization to release information allowing the buyer to communicate directly with the lender

• Limited power of attorney appointing the buyer to manage insurance, mortgage payments, and property-related matters post-closing

• Insurance assignment transferring all insurance proceeds and coverage rights to the buyer after closing

• Seller disclosures & acknowledgments covering continuing loan liability, credit report impact, and loss of ownership interest

• Seller default protection entitling the buyer to up to $50,000 in damages for post-closing non-cooperation

• Buyer default provisions outlining clear remedies including deed-back to the seller and forfeiture of equity