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

0Under $150K1$150K–$300K178Over $300K

Top zip codes

85338(21)85396(21)85387(18)

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

160 N 56Th Place

Mesa, AZ 85205

$389,000

3 bd / 3 ba / 1,737 sqft

13537 W Cassia Trail

Peoria, AZ 85383

$480,000

3 bd / 2 ba / 1,800 sqft

169 more listings available

  • 1 $150K–$300K
  • 178 Over $300K
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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.