How to Build Cash Flow Fast for Real Estate Investors Using Subject-To Deals, with Chris Prefontaine
Nov 19, 2025
In this episode of the Massive Passive Cashflow Podcast, I sit down with Chris Prefontaine - creative financing expert, bestselling author, and founder of Smart Real Estate Coach. With 34+ years of hands-on investing experience, Chris shares how he rebuilt his real estate business after the 2008 crash by shifting to buying on terms—a strategy that allows investors to acquire properties without using their own cash, credit, or personally signing on bank loans.
Chris breaks down why subject-to deals, 0% owner financing, and free-and-clear properties remain some of the most powerful tools for building long-term cash flow—especially in today’s unpredictable market. He also reveals how his “three paydays” system creates immediate income, monthly cash flow, and long-term backend profits, often from deals requiring little to no money down.
We dive deep into how creative financing works in any market cycle, why subject-to deals offer massive advantages over traditional financing, and how investors can dramatically reduce risk by staying off bank loans altogether. You’ll also learn how Chris and his team partner with students in 80+ markets nationwide—rev-sharing, mentoring, and even jumping on live seller calls to help them close deals the right way.
Whether you’re a seasoned investor or brand new to creative real estate, this episode is packed with actionable strategies to help you buy more properties, increase your cash flow, and thrive no matter what the economy does.
What You Will Learn:
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How Chris shifted from traditional investing to creative financing after the 2008 market crash
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Why subject-to deals are one of the safest, most scalable strategies for investors
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The power of free-and-clear properties and how investors negotiate 0% interest
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What the “three paydays” are—and how they create infinite ROI
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Why creative financing works in hot, cold, or sideways markets
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How to buy properties without using your own cash, credit, or personal guarantees
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The key benefits and risks of subject-to deals for both sellers and investors
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How mid-term rentals, rent-to-own, and owner-financing exits boost monthly cash flow
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Why knowing “what pond to fish in” is the key to thriving in shifting markets
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How Chris’s team guides students through live calls, call critiques, and real deal support
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Why subject-to deals allow investors to scale without high-interest loans
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Practical strategies to build recession-proof income in 2025 and beyond
Links & Resources:
Facebook: https://www.facebook.com/smartrealestatecoach/
Instagram: https://www.instagram.com/smartrealestatecoach/
YouTube: https://www.youtube.com/smartrealestatecoach
Website: https://smartrealestatecoach.com/
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