Pace Morby Review – Scam or Legit? Exposed!

Are you looking for a Pace Morby review? But you may wonder if it is a scam.

Here we will examine Pace Morby’s Subto, an online course. If it helps, maybe it can help you, too. Discover in this analysis of Subto.

Anyone who considers themselves a financial expert or advisor will tell you to start investing as soon as possible. We can not work forever, to say the least. If you want to feel secure about your financial future when you stop working, investing is a must.

There are two main considerations when you make an investment. Investing money in the stock market or in digital currencies.

However, the same financial experts will tell you that real estate is one of the safest and most reliable investments you can make. And I tend to agree, for a number of reasons.

But not everyone has the financial means to own real estate outright. To put it simply: Today’s most lucrative real estate areas tend to also be the most expensive.

Therefore, the first step for the vast majority of people who want to purchase a home is to apply for a loan. The Subto Coaching program, on the other hand, claims that it can show you how to purchase real estate without ever having to fill out an application.

As a disclaimer, I’m not affiliated with Pace Morby. It means I’m not paid to write this review. So you can be sure that my words are unbiased.

At the end of this review, I’ll also tell you a better alternative that has enabled me to make a full-time passive income online.

In this Pace Morby review, I’m going to cover the following.

Who Is Pace Morby?

Pace Morby is a famous real estate investor who started as a builder and renovated about seven thousand houses.

As a flipper, Pace brought his skills to a number of high-profile iBuyer portfolios. Each year, he sold thousands of homes but made little money.

To secure a steady income, he began investing in real estate flips and amassing a portfolio of rental properties. He accomplished this feat without taking out a bank loan.

He had already started a successful business before he even graduated from high school, and he was running not one, but two businesses while still pursuing a degree.

At the age of 23, he owned and operated a successful gas and oil company with annual sales of more than $15 million and more than 200 employees, one of his many notable entrepreneurial accomplishments. Pace Morby is experienced in a variety of business-related areas, including consulting, fundraising and small business expansion.

Today, Pace Morby’s name is often used in connection with seller financing, conditional contracts and the sale of real estate. He is a well-known figure in the real estate industry when it comes to unconventional forms of financing. With any luck, he will motivate other entrepreneurs around the world to follow his example.

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What Is Creative Financing In Real Estate?

Any type of financing beyond a traditional mortgage loan is called “creative financing” in the real estate industry. Hard money loans, lease-purchase agreements and seller financing are just a few of the unconventional ways to get the money you need.

A person with poor credit can purchase a home or other property using a one-time loan.

To secure financing from sources the buyer would not normally have access to, it is common practice to arrange long loan terms and novel approaches to loan repayment. Many loans and other forms of financing include a creative financing agreement, often granted by a third-party lender or financial institution.

What Is Subto?

Subto’s real estate courses and mentoring programs teach investors from across the United States how to find new ways to finance real estate purchases and sales.

Subto is a six-week course in creative financing and subjective investing. The course breaks down the process of starting a business into manageable sections and devotes one week to topics such as tax planning and accounting. 

Both novice and experienced investors should be able to benefit from the modules, which comprehensively cover Pace’s Subto investment techniques.

What Can You Get With Subto?

Subto is a collection of learning resources aimed at educating the reader on the subject of real estate investing.

Basically, it is a typical online course with all the features you would expect. These include access to a private Facebook community, scripts and templates, personal and group coaching, and various time-bound training videos.

More expensive subscriptions include access to a special event with the course author.

Below is a brief overview of the benefits of joining the Subto program.

Training Video Courses

At the heart of this course is a collection of instructional films that add up to about six weeks of training.

You will learn not only the mechanics of the “Subject To” business method, but also a wide range of related topics. These include exit opportunities, joint venture programs, scaling your business, contract negotiations, cold calling, and marketing.

Additional content is included in the higher subscription levels, bringing the total training time to approximately 11 weeks. The concept of “astroflipping” real estate, using virtual assistants and other forms of outsourcing businesses are discussed.

You will also have access to marketing resources such as documents, templates and scripts to help you along the way.

Group Access & Coaching

In addition to the training videos, you have access to a private Facebook group with other members.

Existing members of the community agree that they are friendly people who are happy to help you with any questions you may have. Yet, the level of owner involvement in the course is never really addressed. While it is assumed that he is, he may not be.

There are also live coaching sessions held daily on Zoom. These are often led by Pace Morby or one of the other head coaches.

Event Access

Last but not least, you will be invited to participate in exclusive live events as they happen.

Here you can watch Pace Morby give a seminar on various real estate topics.

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How Much Does Subto Cost?

The Subto training program offers three different levels of participation. The different levels are distinguished by the number of participants in the program.

These are all one-time transactions, so plan accordingly.

  • Core ($7,800) – The core program. This package contains everything you need to get started, including core training videos, a private Facebook group, and daily Zoom coaching sessions.
  • Standard ($10,800) – Includes everything from the core program. Real estate sales and dealing with probate are two of the new areas covered. Last but not least, you have your own virtual assistant for certain tasks, an account manager and a transaction coordinator to take care of all the paperwork.
  • Mastermind ($19,000) – Includes everything in the standard program and the opportunity to meet Pace Morby in person, as well as admission to all Subto events.

What Is A Sub To Deal?

The real estate term for a buyer’s assumption of an existing mortgage is “subject to”

What usually happens when a house is sold but the mortgage is not fully paid off?

Generally, the seller receives the remaining money once the mortgage is paid off with the proceeds of the sale. Alternatively, the buyer can take over the remaining mortgage payments (a process known as “mortgage assumption”).

Succumbing is an intermediate option between the two extremes. Until the mortgage is paid off in full, the buyer agrees to make payments to the mortgage company representing the seller as part of the submission process. Even if the mortgage is in the name of the original owner, the buyer is responsible for repayment.

It is possible that the buyer will have to make a large one-time payment to pay off the mortgage, or make regular payments over a longer period of time.

What you should keep in mind:

There is usually no “formal” contract between the parties involved in a business transaction.

In some cases, a buyer may not be required to make additional payments on a mortgage after the transaction closes.

Foreclosure may occur if the buyer is unable to make the mortgage payments.

Initially, the seller assumes a higher risk because the buyer is not obligated to make the mortgage payments. Even if the buyer fails to make the mortgage, he still becomes the legal owner of the property.

A foreclosure sale takes place if the buyer fails to make their mortgage payments.

That’s usually more than enough to convince a buyer to hold up his end of the bargain.

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Is Subto One of the Best Creative Financing Strategies?

Subto allows homebuyers to bypass traditional financing and credit checks. It saves them the hassle and expense of taking out a loan. It’s also a good strategy to take advantage of bargains that are unattractive to wholesalers, fix-and-flippers and long-term investors.

If a seller defaults on their mortgage payments, they have the opportunity to keep their home and avoid foreclosure.

Subto, then, has the potential to be a mutually beneficial arrangement. It is the least expensive, least time-consuming and least complicated way for real estate investors to diversify their holdings.

And there are dangers to consider, of course. Your equity could be lost if the seller files for bankruptcy and the property goes into foreclosure. It’s important to work with a qualified attorney and title company when conducting transactions on any subject.

Is The Subto Training Program Worth It?


Unless you are filthy rich and can afford to pay cash for a house, you will probably need a mortgage loan to purchase your first property. We all know that applying for a mortgage loan can be time-consuming and resource-intensive.

Plus, you may not even be able to apply if you have a poor credit score.

Buying a home “subject to” the mortgage on the property eliminates this problem. You do not have to apply for a new mortgage loan because you simply inherit the previous owner’s.

So you can invest in real estate even if your credit score prevents you from doing so with a traditional lender. This is useful if you do not want to put your personal credit score at risk.

The seller also benefits, as he may be able to save his home from foreclosure. Even if he can not pay off his mortgage debt for a while, this is crucial if he wants to keep a good credit score.

Subto ensures that both the investor and the real estate seller win.


In most cases, the lack of investor contribution is the major drawback.

An investor may take ownership of a property after the sale is completed, but the original homeowner may be left holding the mortgage.

While this is generally not a major problem, there is still some risk for the investor. If the original owner wants to call the mortgage due, they can do so.

And what’s worse, if the original owner decides to call the loan, the investor is expected to repay the entire amount immediately. The current investor risks losing his investment if the original owner forecloses.

Fortunately, very few lenders make this decision. Assuming the new owner keeps up with loan payments, all should go well. However, that does not eliminate a little risk.

When you start your business strategy, you will have to make a lot of calls. It’s possible that some people will be okay with it, but the vast majority probably will not be.

If you do not come from a sales background or just do not like approaching strangers to sell your home, this may not be the right industry for you.

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What I Like About Pace Morby

  • He is a trustworthy person who understands what he is talking about.
  • Examines various methods of real estate investment.
  • The lecturer seems knowledgeable.

What I Don’t Like About Pace Morby

  • The course is somewhat costly.
  • In 2022, this is not the ideal business model.
  • There are better alternatives in this category of business models.

How Do You Make Money With the Subto Real Estate Coaching Program?

There are 15 different ways to invest in real estate included in the Subto Coaching Programme training materials. However, the main topic is real estate investment strategy.

A conditional sale is a type of mortgage transaction in which the buyer assumes payment of the seller’s mortgage without formally assuming the debt. Buying homes with no down payment and assuming the existing mortgage. Neither tax returns nor bank statements or other proof of financial stability are required.

Since there is no written contract, the buyer has no obligation to the seller to make the mortgage payments. However, if the buyer fails to make their mortgage payments after receiving the deed, the property will be sold.

But how can you make a living with the concept of “subject to”? Reduce the pace of instruction with these seven strategies:

  1. Rent – If you charge rent that is higher than the mortgage payment, do so.
  2. Lease Option – Find an investor willing to pay more than the monthly mortgage payment in exchange for helping a borrower obtain refinancing with their lender.
  3. Wrap-Around – With a down payment between $30,000 and $60,000, you can sell your mortgage to someone who does not have enough income to get their own loan.
  4. Sub-Tail – With an existing mortgage, you essentially make repairs and sell the home for a profit. without taking out a loan by borrowing against the seller’s mortgage for the time it takes to make the repairs and resell the property.
  5. SRRR (subject to purchase, rehab, rent, repeat) – functionally equivalent to the BRRR strategy, but without the need to refinance. There is no need to take out a hard money loan, nor is there a need to wait six months before refinancing.
  6. Group home – Income potential is increased in group homes.
  7. Airbnb – The home could bring in a lot of money if you turned it into an Airbnb and advertised it properly.

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Is Real Estate For Everyone?

I will not recommend real estate to everyone and explain why in this part of my KinSubto review.

Real estate transactions are rarely easy. The decision to live off real estate should not be made on the spur of the moment. Judgment in the real estate industry is critical.

To be successful in real estate, money is essential. I advise you to look for other businesses if you do not have enough money. The cost of real estate is extremely high.

Now that we are experiencing a pandemic, the problem will only get worse. There is currently a widespread inability to consider buying a new residence or moving to a new area for any reason. Of course, the most important thing is to familiarize yourself with the basics.

Once the pandemic is officially over, real estate sales may increase. However, this will only be the case in a few places.

In summary, today’s real estate market requires a great deal of effort on your part if you want to be financially successful.

Is Pace Morby a Scam?

In the strict sense of the word, no. While it is entirely possible to make money using this method, you should know that it is not as easy as it sounds.

Success is not certain, and as with most businesses, there is a TON amount of work required in the beginning.

In addition, profit margins are often quite small.

Please do not get me wrong: I am all for putting in more work today to profit later.

But when I do that, I expect a very high return on my investment.

Pace Morby Review: Final Verdict

Training with Subto is effective in its own right. Discover an additional investment strategy here that will help you build your real estate portfolio.

I hesitate to give my approval because there are some dangers in this approach. However, this should not be a problem unless you have a history of not being able to pay your loans on time.

Another reason for my reluctance to take this course is that investing in real estate is more complicated than the average person might expect. This endeavor requires a significant investment of your time, energy, resources and skills. When you buy a home, you cannot just do whatever you want with it.

Selling it is your primary focus. This means that the work you do must have some appeal.

Some have tried to get into real estate, but they have found that even the most basic skills are required for success. You cannot possibly run a company alone, so you need a team to help you in a variety of ways.

Hard work is the name of the game if you want to make it in such a displacement field. Since it’s so expensive to work as a beginner, you’ll need to invest time and resources to get up to speed.

But there’s still reason to be optimistic. I am here to tell you about a promising business opportunity that has the potential to outperform real estate investing in terms of revenue while being far less complicated.

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Better Alternative to Pace Morby’s Training to Make Passive Income

If you want to make a stable and secure stream of passive income, I would suggest you start an affiliate marketing business online instead.

Affiliate Marketing is perfect for anyone who is new to online business.

In fact, of all the online business models I’ve tried, affiliate marketing is the easiest and most rewarding so far.

In affiliate marketing, you can actually run your business almost with zero cost and achieve a steady and sustainable passive income to pay for your bills. You don’t need any initial capital and can even do it as a side hustle.

And if you really want to learn affiliate marketing and build a business from scratch, I’d recommend you to get started with the most reputable platform for affiliate marketing: Wealthy Affiliate.

Wealthy Affiliate is an all-in-one platform for building your affiliate marketing business from scratch. It offers you a free account (including a free website) with comprehensive training on SEO (free traffic methods), which enables you to get started with affiliate marketing right away without paying a penny.

But How Much Can You Earn with Wealthy Affiliate?

A 21-year old student from Wealthy Affiliate was able to earn $7,395 in just 1 week, which means he made more than $1k a day…all while using free traffic methods.

Pace Morby Review

Wealthy Affiliate has existed for 15  years and there are many success stories in the past decade.

To give you more examples, here are some of the other inspiring success stories of Wealthy Affiliate members.

Where to Join Wealthy Affiliate?

Wealthy Affiliate has a very simple pricing scheme. It has a free and premium membership.

If you want to feel about Wealthy Affiliate, you can sign up for the free starter membership here (no credit card required). You can select to be a free member with no time limit.

And as a starter member, you can get instant access to the community, live chat, over 500 training modules, 2 classrooms, networking, commenting, 1 free website, access to the keyword tool.

You can enjoy all these values without paying a penny.

So I strongly recommend you to register a free account and see it yourself.

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