Faint outline of Texas over a blueprint grid with suburban rooftops

Have a Texas Sub2 deal?

We can help you find the buyer — and handle the process.

For Wholesalers • Agents • Sellers

Sub2IQ connects qualified Texas Sub2 opportunities with prospective owner-occupant buyers who may not fit traditional bank financing.

You bring the property. We help bring the buyer and transaction infrastructure.

See how Sub2IQ works

Watch this short explainer to see how Sub2IQ helps connect Texas Sub2 opportunities with owner-occupant buyers and coordinates the transaction process from submission through closing.

Have a deal now?

What Sub2IQ coordinates

Buyer Matching
Underwriting
Deal Structuring
Documentation
Closing
Insurance
Servicing
Compliance Coordination

Why our buyer network is different

Many hardworking Texas families have the income, stability and savings necessary for homeownership but do not fit traditional bank underwriting.

Self-Employed
1099 Income
ITIN Documentation
Credit Rebuilding
Limited Credit
Multiple Income Sources

A bank saying “no” doesn’t always mean a family can’t afford homeownership.
Sometimes they simply need a different path.

Sub2IQ helps connect qualified owner-occupant buyers with Texas properties where alternative or existing-financing structures may provide another path to homeownership.

Every buyer, property and transaction is different. Qualification and transaction terms are evaluated individually.

You have the deal. We help handle the rest.

Finding a buyer is only one part of successfully completing a Sub2 transaction.

Buyer Matching

Market accepted properties to prospective Texas owner-occupant buyers.

Qualification & Underwriting

Review the prospective buyer and proposed transaction.

Deal Structuring

Develop proposed terms based on the buyer, property and existing financing.

Approval

Present the proposed transaction to the appropriate Seller, Agent and/or Wholesaler for review.

Documentation & Closing

Coordinate the professionals and documentation required to move an approved transaction toward closing.

Post-Closing Coordination

Coordinate applicable insurance, servicing and transaction administration.

How it works

1
Submit Your Deal
Provide the property, financing and transaction information.
2
We Evaluate It
We determine whether the opportunity appears to fit the Sub2IQ owner-occupant buyer program.
3
We Market & Find the Buyer
If accepted, the property may be marketed to our network of prospective Texas owner-occupant buyers.
4
You Approve the Terms
We present the proposed buyer and transaction terms for review.
5
We Help Handle the Rest
Underwriting, deal structuring, documents, closing, insurance, servicing and compliance coordination.

Nothing moves forward without the required approval.

Underwriting
Deal Structuring
Documents
Closing
Insurance
Servicing
Compliance Coordination

You stay in control.

Sub2IQ helps find the buyer and structure the proposed transaction.

The appropriate parties review and approve the proposed terms before moving forward.

Don’t like the terms?

No obligation to proceed.

A Sub2 transaction is more than a buyer and a property.

Sub2IQ is designed to coordinate the professionals and processes involved in a properly structured transaction.

Buyer Qualification
Underwriting
Deal Structuring
Documentation
Title / Closing
Insurance
Servicing
Compliance Coordination

Structured. Transparent. Professionally coordinated.

The goal is a transparent process that helps the parties understand the proposed transaction, terms and responsibilities before moving forward.

The Sub2IQ Blueprint

Sub2IQ is the platform. The Sub2IQ Blueprint is the process every accepted opportunity moves through.

01Submit
02Evaluate
03Match
04Underwrite
05Structure
06Approve
07Document
08Close
09Service

Built around professional oversight

Creative real estate transactions may involve important federal and Texas requirements. Sub2IQ is designed to coordinate appropriate professional review and transaction processes based on the specific structure involved.

Depending on the transaction, considerations may include:

Dodd-Frank
SAFE Act
Texas SB 43
Underwriting
Loan Origination Requirements
Documentation
Title
Insurance
Servicing

Every transaction is different. Applicable requirements depend on the buyer, seller, property, financing and transaction structure. Appropriate licensed and legal professionals should be involved where required.

Program terms

Sub2IQ deals are placed and coordinated through USA Home Partners. Every transaction is evaluated individually, with pricing and structure calculated on a deal-by-deal basis.

Pricing is calculated on a deal-by-deal basis.

Nothing is charged upfront. The seller, agent and/or wholesaler reviews the proposed terms and may approve or decline — no obligation to proceed.

No upfront cost
USA Home Partners handles marketing and buyer outreach at no upfront cost or expense to the seller, agent or wholesaler.
Coordination included
Transaction coordination is provided at no additional cost.
Approved process
Buyer underwriting, notes and transaction documents, closing and the required insurance process all run through the approved USA Home Partners process, platform and systems.

Approved transaction team — required, no exceptions

Every transaction that moves forward must use the approved team. This applies to every seller, agent and wholesaler who submits a property.

Attorneys
Title company
Transaction coordinators
Underwriters
Insurance providers
Compliance

There are no exceptions. Outside attorneys, title companies, coordinators, underwriters, insurance agents or compliance processes are not accepted.

Approved title companies

Tiago Title
Chesker Title

Closings happen only through Tiago Title or Chesker Title. No other title companies are accepted or negotiated. A seller, agent or wholesaler unwilling to use the required process and approved team should not submit a property.

Questions about the program?

Call or text: 512-348-8877

admin@usahomepartners.com

Built on decades of experience

Sub2IQ was created by Nick Legamaro, aka “Nick The Note Guy,” drawing on more than 20 years of experience in creative real estate and private mortgage note transactions.

That experience includes building a private mortgage note platform that was acquired by a federally chartered Texas financial institution in 2018.

Today, Sub2IQ applies that experience to a simple mission:

Help hard-working Texas families achieve homeownership when traditional bank financing doesn’t fit.

While giving Sellers, Agents and Wholesalers a structured and transparent process for moving qualified Sub2 opportunities from deal to buyer to closing.

Deal
Buyer
Structure
Approval
Closing

Created by Nick Legamaro — “Nick The Note Guy”

Before you submit

Authorization

Only submit properties you have the authority or authorization necessary to market and for which reasonable buyer access can be provided.

Owner-Occupant Buyers

Sub2IQ is focused on prospective owner-occupant buyers for this program.

Permission to Market

Submitting a property authorizes Sub2IQ, USA Home Partners and applicable affiliates to review and, if appropriate, market the property to prospective buyers subject to the submission acknowledgments.

Ready to submit your Texas Sub2 deal?

Give us the information we need to evaluate the opportunity.

Complete submissions are evaluated first.

Incomplete submissions may be delayed or declined.

Who You Are
Property
Mortgage
Payment
Deal
Review

Step 1 of 6

Who You Are

Who are you? *

Your name *

Mobile number *

Email address *

We send deal updates and requests for missing information here.

Sub2IQ frequently asked questions

What Sellers, Agents and Wholesalers should know before submitting a Texas Sub2 opportunity.