179 Subject-To Candidates in Phoenix, AZ
Browse subject-to candidates in Phoenix, AZ. These are MLS-listed properties algorithmically flagged as potential subject-to acquisition candidates based on price, market days, and public data. They are candidates only — subject-to requires direct seller negotiation.
Not sure how we identify these? Read our methodology.
Market Stats
Updated May 1, 2026
Total listings
179
Price range
$300K – $650K
By price range
Top zip codes
24049 W Verlea Drive
Buckeye, AZ 85326
$330,000
3 bd / 2 ba / 1,553 sqft
11154 N 190Th Avenue
Surprise, AZ 85388
$535,000
3 bd / 2 ba / 1,988 sqft
16635 W Valencia Drive
Goodyear, AZ 85338
$599,900
4 bd / 3 ba / 2,664 sqft
20652 W Nelson Place
Buckeye, AZ 85396
$439,000
3 bd / 2 ba / 1,623 sqft
5522 S Vincent --
Mesa, AZ 85212
$600,000
5 bd / 3 ba / 2,576 sqft
22462 E Camina Plata Avenue
Queen Creek, AZ 85142
$419,900
3 bd / 2 ba / 1,710 sqft
1015 S Annie Lane
Gilbert, AZ 85296
$589,850
5 bd / 4 ba / 2,885 sqft
5706 N 107Th Lane
Phoenix, AZ 85037
$494,900
4 bd / 3 ba / 2,028 sqft
13537 W Cassia Trail
Peoria, AZ 85383
$480,000
3 bd / 2 ba / 1,800 sqft
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Frequently asked questions
What is a subject-to acquisition?
Subject-to (or 'sub-to') means purchasing a property while leaving the existing mortgage in place. You take title to the property, but the seller's loan stays in their name. This strategy requires careful negotiation and legal review.
What makes these 'subject-to candidates'?
HiddenDealPro's algorithm flags MLS-listed properties that show characteristics associated with motivated seller situations — extended DOM, price reductions, and other signals. These are candidates only, not confirmed subject-to deals.
Are these properties off-market?
No. These are MLS-listed properties. They are publicly available through real estate agents.
How do I negotiate a subject-to deal?
Subject-to deals require direct negotiation with the seller, typically facilitated through a real estate attorney. Use our Subject-To Calculator to model the numbers before approaching a seller.
How often is this list updated?
Daily. The timestamp at the top of the page reflects the most recent data refresh.
How do I see the full list?
The full list is available to REI Labs Elite members at $97/mo.
Data sourced from public MLS records and filtered by HiddenDealPro's algorithm. How we find these.