Pace Morby Review (2026): Is SubTo the Right Way to Learn Creative Finance?

Pace Morby in One Minute

Pace Morby is a real estate investor, author and co-host of A&E's Triple Digit Flip. His site says he has acquired over $450 million in real estate "without cash, credit or previous credentials." He founded SubTo, a paid community that teaches subject-to (taking over a seller's existing mortgage) and seller financing. SubTo offers coaching, member success calls, transaction coordination and events; membership requires an application.

Who Is Pace Morby?

Pace Morby is a real estate investor and author who co-hosted A&E's Triple Digit Flip and built a large YouTube following teaching creative finance. He founded SubTo and the Gator Lending community, which connects people who fund the short-term costs of creative deals, such as earnest money and closing costs. His site says he has acquired more than $450 million in real estate.

What Subject-To Means

In a subject-to deal you buy a home while leaving the seller's mortgage in place. It can work, but most mortgages have a due-on-sale clause that lets the lender demand full repayment when ownership changes. Sellers also keep the loan on their credit. Both parties need clear contracts and good legal advice.

Legal and Ethical Risks

• Lenders can call the loan due.
• Missed payments hurt the seller's credit.
• Insurance and title must be handled correctly.
• Some states regulate these deals closely.

What SubTo Says About Results

SubTo's site says results shown are individual, verified outcomes and not a promise of yours, and links to an earnings disclaimer and refund policy. Read both before applying.

What SubTo Membership Includes

SubTo's site lists coaching from Pace Morby and about 10 other coaches who disclose deal counts, 1:1 member success calls (13,000+ in the past 12 months), transaction coordination, document review and community events. It says it had 25,000+ active members in the past 12 months across 240+ U.S. metro areas (as of August 2026). Membership is by application, and the price is discussed after you apply; it isn't published.

Who It Suits

People ready to learn creative finance seriously, with legal support and reserves, and willing to work deals hands-on.

Before You Apply to SubTo

1. Ask for the full price, renewal terms and refund policy in writing.
2. Learn how due-on-sale clauses work in your state.
3. Line up a real estate attorney and title company that handle creative deals.
4. Plan how you'll cover reserves if a tenant stops paying.
5. Start with one deal you fully understand.

Protecting the Seller

In a subject-to deal the seller's credit stays tied to the loan you're paying. Ethical deals put that in writing, use a loan-servicing company to make payments, and give the seller proof of each payment and insurance. Some states have added rules for these transactions. Skipping these steps can hurt sellers and lead to lawsuits.

A Steadier Way to Protect Savings

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Is Pace Morby Legit?

He's a real investor with a large, active community. Creative-finance deals carry legal and lender risks, so use attorneys and start small.

Pros and Cons

Frequently Asked Questions

Our Verdict on Pace Morby

A real community teaching risky strategies. Use attorneys and start small.

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