What exactly is SubTo?

SubTo (short for "subject-to") is a real estate strategy where you take over a seller's existing mortgage payments and receive the title, without getting a new bank loan. Pace Morby's program teaches this method alongside seller financing and the Gator Method.

How much does the SubTo program cost?

Pricing ranges from $8,800 (standard) to $18,800 (advanced tiers). There are multiple package options depending on the level of access and coaching you want. There is no publicly stated refund policy, so be sure to clarify before enrolling.

Do I need prior real estate experience to join?

No. The program is designed for both beginners and experienced investors. That said, success will come faster if you have some baseline understanding of real estate transactions and are ready to actively work deals.

Is there a community component?

Yes — and it's one of SubTo's strongest features. Members get access to a private group, weekly live Q&A calls, local accountability chapters, and peer-to-peer deal support.

You fill out an application on SubTo's website, schedule a call with a member advisor, and if accepted, you pay and gain access to the full program.

Subject-to investing is legal in the U.S., but it does carry risk related to the "due-on-sale" clause in most mortgages. Lenders can technically demand full loan repayment if they detect the property transfer. The program teaches risk mitigation, but this is a real legal and financial consideration worth discussing with your own attorney.

Does Pace Morby still teach actively in the community?

Pace participates in weekly calls and live events, though day-to-day coaching is also handled by his team of advisors and community leaders.

Is there a free version or trial?

No free trial for the paid program, but Pace offers substantial free education on his YouTube channel (271K subscribers) where you can assess his teaching style before committing.

SubTo (Subject-To Creative Finance Program)

Name: SubTo (Subject-To Creative Finance Program)
Brand: Pace Morby
Rating: 4.4 (57 reviews)

By Pace Morby

4.4/5(57)

(57)Mindset · Workshop

Mindset · Workshop

Got doubts? We're your course insurance.

What do reviewers think about SubTo (Subject-To Creative Finance Program)?

Summary

· Created with AI, based on 57 verified reviews

4.4

Created with AI, based on 57 verified reviews

SubTo delivers real, structured education on a strategy most mainstream programs ignore. The community and live deal support are genuinely valuable, and the frameworks are battle-tested.

That said, the high price point, no refund policy, and results that depend heavily on local market conditions and hustle make this a strong fit for committed investors — not curious beginners. Go in with a plan, not just curiosity.

Workshop

Learning format

Mindset

Subcategory

English

Course language

https://www.subto.com https://pacemorby.com

Official program page

$8,800 to $18,800

Price

Price may change · updated within 1–2 weeks

Learning format

Workshop

Subcategory

Mindset

Course language

English

Official program page

https://www.subto.com https://pacemorby.com

Price

$8,800 to $18,800

Price may change · updated within 1–2 weeks

What You'll Learn

How to take over properties using existing seller mortgages
Structuring seller finance deals where sellers act as the bank
The Gator Method for scaling a deal-stacking portfolio
Finding motivated sellers willing to exit without traditional listing
Negotiating creative win-win terms that protect all parties legally
Exiting deals via buy-and-hold, wholesale, or fix-and-flip
Building a pipeline of off-market leads consistently
How to use contracts, templates, and legal documents correctly
Understanding the due-on-sale clause and how to manage risk
Scaling a portfolio without using your own credit or savings

Best For

Beginners with limited capital or credit
Career changers seeking real estate income
Investors ready to scale without banks
People motivated to close deals fast
Side hustlers serious about building portfolios
Anyone frustrated with traditional loan requirements

Not For

Casual learners expecting passive results
Investors needing a refund safety net
People in low-equity or cash-heavy markets
Anyone unwilling to do active outreach
Investors uncomfortable with legal grey areas
Those not prepared for a high price tag

FAQ

Still confused?

Get a reply from the creator within 24 hours.

About the creator

Pace Morby

View full profile

Real Estate Investing · Phoenix, Arizona, USA

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1 program on AllPros

Reviews

Pace Morby is a real estate investor, A&E TV host, and the founder of SubTo — the largest creative financing community in the U.S. Starting from a construction background in Arizona, he's built a portfolio of 2,100+ units and authored the Wall Street Journal bestseller Wealth Without Cash, teaching investors to acquire real estate with zero bank loans.

Reviews, Scores & Student Outcomes

Score history

Cumulative verified score over the last 6 months

4.4/5

2026 average·57 reviews

Pros and cons

What verified reviewers flagged most often

53 students tagged at least one strength

Practical content94%
Community support79%
Real experience79%
Clear explanations34%
Fast results6%
High availability6%

Is It Worth the Money?

We asked Pace Morby students if SubTo (Subject-To Creative Finance Program) is worth the money. Here is what verified buyers said.

93% of verified reviewers said yes.

How many students finished the course?

Share of verified reviewers who completed the full program. Green = finished, red = did not finish.

Finished100%
Did not finish0%

Pace Morby Ratings & reviews

See all reviews

4.4/5

57 reviews

Rating breakdown

AllPros reviews are verified and authentic. Here's how.

10 reviews on this page

Thesammyestsam

5/5

My result

Since joining nine months ago, everything has changed for me and I have brought in money…

Pros

Clear explanationsCommunity supportReal experience

About the creator

I will forever be grateful to Pace and this community for showing up for me day after day…

Free comment

Before joining subto I did not have people in my life who understood my entrepreneurial…

Fearleswow

5/5

My result

I have been in sub to for two months and I have learned a ton from the content.

Pros

Practical contentHigh availabilityCommunity support

About the creator

He has some zooms in the vault about corporate structure that pretty much are worth the…

Free comment

My husband and I already own some commercial properties, but this program is going to…

Theresawilson549

4/5

My result

His mentorship has been incredibly impactful in my real estate journey, empowering me to…

Pros

Practical contentCommunity supportReal experience

About the creator

Pace Morby is a True Real Estate Visionary and Mentor! Pace is not just a real estate…

Free comment

I wholeheartedly recommend his mentorship to anyone aspiring to succeed in this field.…

AmyM8188

4/5

My result

I find value well beyond the cost of the program in only the first few months of joining.

Pros

Practical contentClear explanationsCommunity support

About the creator

The education Pace provides goes well beyond what is available on youtube. Pace is the…

Free comment

I am a subto student. I am surrounded by incredible people who are on this journey with…

IrenePalad

4/5

My result

I have already funded several Gator projects and successfully made thousands of dollars…

Pros

Practical contentClear explanationsCommunity support

About the creator

I am thrilled to have the opportunity to learn from Pace Morby. His passion for teaching…

Free comment

I am a member in his Subto and Gator community. I come from a background with zero…

beaYOUtifulyvette

5/5

My result

I have experienced a lifetime program that feels like ten mentorships rolled into one…

Pros

Practical contentClear explanationsCommunity support

About the creator

Pace fleshed out how to buy properties for me, as a visual learner where other…

Free comment

Hey there. I am part of the Subto community. I signed up because of how the material was…

1/5

My result

I had a disastrous sales call where every question I asked got a simple two-word answer.

Cons

Overpriced for the valueOverpromised resultsToo fast or too slow

Free comment

He was 14 minutes late, didn’t apologize, and even burped in the God dam phone without…

Lynda Sweeney

1/5

My result

I lost $2,400 out of my pocket and received absolutely no mentoring of any kind.

Cons

Overpromised resultsToo fast or too slowOverpriced for the value

Free comment

Lo kenz

1/5

My result

I wasted a year of my life alongside $15,000 without closing a single real deal.

Cons

Overpriced for the valueOverpromised resultsToo fast or too slow

About the creator

The entire operation, including Pace himself, feels like a well-orchestrated scam. As for…

Free comment

I’ll give them credit for their marketing, it’s impressive, but beyond that, the entire…

Lukasz Welna

1/5

My result

I sent a few NFTs from Kraken to Subwallet, but they never showed up on my account.

Cons

Overpriced for the valueWeak supportOverpromised results

1 2 3 4 5 6

Results mentioned in reviews are individual experiences and are not guaranteed or typical.

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