Real Estate Agents: Spot sellers a traditional listing doesn't fit, refer them, and keep representing your clients as your license and broker allow.

Loan Officers: Know where to point clients who can't qualify for a loan today, and the RESPA Section 8 rules on referrals.

Credit Repair Professionals: Recognize clients who need housing while they rebuild, or who are behind on a mortgage, and stay within the Credit Repair Organizations Act.

0. Welcome (intro video): A short overview of the whole guide.

1. Subject-To in Plain English: The deed transfers, the seller's loan stays in place, and the due-on-sale clause.

2. How This Helps Your Clients: What it can mean for sellers and for people looking for a home, with a short section for each role.

3. Compliance Rules to Respect: how partner compensation works, RESPA Section 8, Florida and Texas license rules on referral fees, the Credit Repair Organizations Act, due-on-sale, and why every deal needs an attorney.

4. How to Spot a Good Fit: Seller and buyer situations to listen for, and when not to refer.

5. What Happens When You Refer a Seller or Buyer to Us: How to refer by email or our website form, a response within 24 hours, weekly updates, and how you keep serving your client while we handle the deal.

1. Click Sign Up / Enroll.

2. On the checkout page, find the coupon code box.

3. Type the code from your invitation email and click Apply.

4. The course changes to FREE. Finish checkout and check your email for access.

We offer discounts from time to time. Don't have a code? Email RenovateandElevate@outlook.com with your name, phone number, best time to call, and your role (agent, loan officer, credit repair, other), and we'll reach out about ways you may get access for free.

Where do I enter my discount code?

Click Sign Up. On the Payhip checkout, type your code in the coupon box and click Apply. The course will show as FREE.

Will this teach me how to do subject-to deals?

No. It's a guide to working together: you spot a fit and refer, and Renovate & Elevate handles the deal. Every deal is handled with a real estate attorney and a title or closing company experienced in subject-to.

Is this legal or financial advice?

No. The course is education only. Every deal should be reviewed by a licensed real estate attorney in the property's state.

Will I get paid for referring?

We compensate partners for each closed deal that comes from their referral. The amount is based on deal size and agreed in writing up front, and it's paid only in ways the law allows: real estate agents through their broker, and all compensation must comply with RESPA Section 8 (12 U.S.C. 2607) and state license law. For loan officers and other settlement-service providers, compensation is paid only where RESPA Section 8, state law and your employer permit, and no fee is promised. Confirm with your broker, compliance team and attorney before accepting any compensation.

Renovate & Elevate Property Solutions LLC buys and sells homes nationwide, with a focus on Texas and all of Florida, and rents rooms through PadSplit. Subject-to transactions carry real risks, including that the lender may call the loan due under a due-on-sale clause (12 U.S.C. 1701j-3). Educational content only. No income, savings or results are promised. Contact: RenovateandElevate@outlook.com