SubTo (Subject-To Creative Finance Program)

Name: SubTo (Subject-To Creative Finance Program)
Brand: Pace Morby

Mindset · Workshop

About Pace Morby

Is Pace Morby's Course Legit?

Generated from real user 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.

SubTo's community is one of its most cited strengths. Members get access to weekly calls with Pace Morby and other investors, providing a platform to discuss deal-finding challenges, business consulting, financing arrangements, and removing roadblocks until closing. The program also gives members all the contracts they need, live deal support, and locally-established accountability groups. With 10,000+ members, it's one of the most active real estate investing communities online.

Who Is Pace Morby?

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.

Industry

Real Estate Investing

Total Students

10,000+

Official Website

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

Experience

Pace spent roughly ten years as a general contractor in Arizona. His company, AZ Contracting Group LLC, grew to around 175 employees at its peak and was completing 50 to 60 renovations per month. He also held a HomeVestors franchise before transitioning full-time into creative finance real estate investing. As of 2022, he had completed over 7,000 home renovations as a licensed general contractor and built over 300 new homes with over 500 fix and flips.

Course Language

English

Social Channels

Based in

Phoenix, Arizona, USA

What Do You Learn in Pace Morby's Course?

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

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