Phoenix is one of the most active sub-to markets in the country. Thousands of homeowners bought between 2019 and 2022 when 30-year rates were sitting at 2.5–3.5%. Today, with rates above 6.5%, those mortgages have become some of the most valuable assets in real estate — and motivated sellers are willing to transfer them.
The Phoenix metro — covering Scottsdale, Tempe, Chandler, Gilbert, Glendale, and Peoria — has one of the highest concentrations of 2020–2022 vintage mortgages in the Western US. Sellers in financial hardship, divorce, relocation, or simply cashing out equity have legitimate reasons to accept a subject-to structure rather than going through a traditional MLS sale.
For investors, the math is compelling. A $250,000 mortgage at 3% costs $1,054/mo in principal and interest. The same balance at 6.75% costs $1,622/mo — a difference of $568/mo, or $6,816/year, or over $200,000 over the life of the loan.
Median rent for a 2bd/2ba in Phoenix: $1,450–1,650/mo depending on submarket. Vacancy rates in most Phoenix zip codes remain below 5%. Strong migration from California, Illinois, and the Northeast continues to drive rental demand.
Deal Pros LLC actively sources motivated sellers across the Phoenix metro through direct mail, inbound leads, and a network of wholesalers. When we find a viable sub-to deal, we package it with full underwriting — ARV comps, rent analysis, PITI documentation, and deal highlights — and list it on Terms For Sale for our buyer network.
Our buyers get first access to deals before they're publicly marketed. Entry fees typically range from $15,000 to $40,000 depending on equity position and seller motivation.
We post new off-market deals weekly across the Phoenix metro. Browse active inventory now or join our buyer list to get notified first.
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