Learn how CJ Hegney, real estate investor and advisor at The Hegney Group, specializes in Subject-To real estate deals to help buyers and sellers in California close creative, win-win transactions, without relying on traditional bank loans.

In today’s high-interest rate environment, savvy buyers and investors are looking for creative ways to finance real estate without paying 7%+ on a new mortgage. Two powerful options are Subject-To financing and Assumable Loans—but they’re often misunderstood or confused with each other.
At The Hegney Group, we specialize in creative deal structuring across San Luis Obispo County, helping sellers, buyers, and investors take advantage of existing low-interest loans. In this post, we’ll break down Subject-To vs. Assumable Loans—the differences, pros, cons, and when each strategy makes the most sense.

Looking to invest in San Luis Obispo County real estate? Discover the top-performing zip codes for rental income, appreciation, and long-term ROI, curated by local expert CJ Hegney of The Hegney Group.