#SubtoResponsibly

2 Hr Course

Contract to Close

All-inclusive service from contract write-up to post-close instruction. All necessary documents & Disclosures included. geared toward the new subto buyer navigating the complexities of Creative Acquisitions.

About Us!

We are two women passionate about Subject To & all things Creative Finance. We’ve committed hundreds of hours to further educate ourselves in high level training to understand creative transactions and how they work.


We’ve seen the negative outcomes when Subject To is executed irresponsibly and unethically, therefore we’re invested in providing our knowledge and expertise to those in our local market to ensure the protection of all parties.


Subject to is complex. Crucial documents are necessary to safeguard both buyer and seller, and to protect your investment after closing.

Morgan Winters is a licensed Broker in Oklahoma, operating Morgan Winters Real Estate. Kelli Davis is a licensed Agent in Oklahoma with Chamberlain Realty. Collectively we have over 25 years of real estate investing and sales experience, and have completed close to 30 creative finance & subject to transactions.


We're excited about forming partnerships and building relationships with agents and investors across the state as we pursue our mission of introducing the industry to the world of Creative Finance!