My opinion is based on the information you sent in your Private Message to me.
From this investors standpoint the positive points of a Subject To deal on your property are.
Your house is in a neighborhood that shows that the majority of houses are lived in by the owners and there are few rental properties, which shows it is maturing with pride in the neighborhood. This means that the current appreciation rate should continue, which is about 4% per year.
This means the investor can add the current appreciation rate when selling to the price of the property based on the length of time until his buyer is required to re-finance.
Your interest rate is fixed and had a low percentage rate, so the investor can add about 2 ½ points to the current rate for a passive monthly income on his part. Very good loan in the current market conditions where many loans are ARM’s or are 80/20’s.
Since those on the deed are willing to sign off I see no problems in transferring the deed to an investor.
The downside I see unless your investor has the correct paperwork and knowledge, is that your loan is an FHA. Which means that the DOSC (Due On Sale Clause) should the lender find out the property has been sold, in my opinion will be called due. This means that the loan will have to be paid in full. I understand that the majority of lenders have their plates full and are not out looking to call loans due, but the FHA loans are in a different category.
Overall the risk factor is low to medium on the part of a knowledgeable investor and your part.
What I am sensing by what you have related is that the investor did not build a enough trust when speaking with you. I am a big believer in my signature line “If people like you they’ll listen to you, but if they trust you they’ll do business with you.”
Your heartfelt questions to ask for help, shows that you need complete confidence in knowing what you are doing is the right thing and the investor is the right person to help. At the present time you are not convinced it is right for you, so go with your feelings as once you sign over the deed then you are no longer the owner of the property and are Subject To whatever the investor does with the property.
It does not mean that there are not other investors out there that can and will build that trust with you, where you feel comfortable with doing a Subject To deal.
John $Cash$ Locke