Pace Morby Subto Review – Legit Real Estate Strategy?

Pace Morby has become one of the most recognizable faces in real estate education. His Subto mentorship teaches creative finance strategies like seller financing and subject-to deals, all designed to help investors buy property without traditional bank loans.

But while his program gets a lot of hype, is it really worth the five-figure price tag—or just another expensive mentorship that’s tough for beginners to execute?

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Key Takeaways (If you are in a hurry!)

• Pace Morby’s Subto mentorship teaches creative finance strategies like subject-to and seller financing.

• Tuition can run into tens of thousands of dollars.

• While the strategies are real, they’re advanced and not beginner-friendly.

• Many students report being overwhelmed or unable to land deals.

• VERDICT: Subto is legit, but overpriced and risky unless you’re already an experienced investor.

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Who Is Pace Morby?

Pace Morby is a real estate investor and educator with a background in house flipping, wholesaling, and creative finance. He’s grown a large social media following on YouTube, Instagram, and podcasts, often showcasing himself closing deals using his methods.

He’s credible in the sense that he has real-world deal experience. However, credibility doesn’t automatically make his program accessible or realistic for the average beginner.

What Is Subto?

Subto is Pace’s flagship mentorship program, built around creative finance strategies such as:

• Subject-To Deals – Taking over someone else’s mortgage while leaving it in their name.

• Seller Financing – Convincing property owners to finance the purchase directly.

• Wrap Mortgages & Hybrid Deals – Combining traditional lending with creative structures.

Students are promised access to:

• A large online community

• Training modules and live calls

• Scripts and deal templates

• Access to “deal finders” and other tools

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The Problems With Subto

1. Cost – Membership often runs into five figures, making it out of reach for many. Some students even take out loans or credit cards to join.

2. Complexity – Creative finance isn’t simple. It requires strong sales skills, legal knowledge, and negotiation ability. Most beginners aren’t ready for the level of complexity.

3. Deal Flow – Even with the training, students struggle to find and close deals consistently. Marketing, networking, and negotiation all take significant effort.

4. Overselling the Dream – The marketing makes creative finance sound like a shortcut, but the reality is far from “easy money.”

5. Community vs. Results – Subto’s biggest strength is its community, but many members admit they never close a deal despite paying thousands.

Pros of Subto

• Pace Morby has real-world deal experience

• Creative finance strategies are legitimate

• Large, active community for networking

• Includes scripts, contracts, and training resources

Cons of Subto

• Tuition costs tens of thousands of dollars

• High risk of students not closing deals

• Requires advanced skills—negotiation, legal, sales

• Marketing oversells the ease of success

• Many members report frustration and little ROI

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Frequently Asked Questions (Q&A)

Is Pace Morby legit?
Yes, he’s a real investor with deal experience. The issue isn’t legitimacy—it’s accessibility and price.

How much does Subto cost?
Exact pricing isn’t public, but reports suggest it’s a high-ticket program costing tens of thousands.

Can you make money with creative finance?
Yes, but it requires skill, persistence, and a strong network. Most beginners struggle to land deals.

Is Subto beginner-friendly?
Not at all. It’s designed for investors who already understand real estate fundamentals.

Does Subto offer refunds?
No clear refund policy is advertised—once you pay, you’re committed.

Better Alternatives to Subto

If you’re new to online income or real estate, there are safer, lower-cost options to consider:

1. Local Lead Generation – Build and rank websites for small businesses, then rent them out for monthly income.

2. Affiliate Marketing with Organic Traffic – Use blogs, YouTube, or TikTok to drive commissions without real estate risk.

3. Freelancing with AI Tools – Offer services like content creation, design, or marketing with the help of AI platforms.

These models cost far less to start and don’t carry the same financial risk as Subto.

Final Verdict: Should You Join Subto?

Pace Morby’s Subto mentorship is legit but overpriced and overhyped. The creative finance strategies he teaches are real, but they’re not easy or beginner-friendly. The steep tuition makes it a risky gamble, especially for those without prior experience.

If you’re already an investor looking to expand your toolbox, you might get value. But if you’re a beginner hoping for a shortcut to wealth, Subto is unlikely to deliver.

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