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Gator Method Reviews (2024 Update): Is Gator Lending Legit?

By: JosiahMar 07, 2024Real Estate
Gator Method Reviews ([year] Update): Is Gator Lending Legit?

Introduction: Gator Lending Reviews

If you've taken any steps into the world of real estate, then it wouldn't be shocking if Pace Morby's face starts popping up in your social media/YouTube feeds. Pace has really ramped up his marketing lately, pitching his programs as a way even inexperienced investors can get started in real estate.

One program he's been promoting lately is something called Gator Lending.

Gator lending is kind of a funny term that Pace invented for marketing purposes, but most people believe it's just an Earnest Money Deposit (EMD). We'll get into the details on all that later, but basically it's money given in good faith that can help push real estate deals across the line.

Now, you're here for a reason. You probably saw one of Pace Morby's ads and now you're down the rabbit hole, checking out Gator Lending reviews, maybe even checking out Pace's competition like Jerry Norton...and you're looking for some words of wisdom on which course makes sense for you.

Good news! I've been grinding articles on these kind of gurus for a long while now (check out my real estate investor guide as a reference), so I like to think I've got decent idea of what makes a great mentor, and which red flags to look out for.

I totally get why you're interested in these kind of courses, by the way. Working a 9-5 sucks, the economy doesn't look great...and if you can just throw some money into real estate and make some big bucks off that, why not, right?

Well, turns out the world of hard money loans and private money lenders is a little more complicated than that.

But like I said, it's all good. I'll walk us through the Gator Method training, figure out the pros and cons, and even see if there are solid alternatives to explore when it's all said and done.

Alright, let's dive into the swamp of Gator Lending!


This Gator Lending review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.

  • Pace Morby puts out a lot of videos, which means you have a lot of free content to check out before diving in with your own money.
  • Short term real estate investing doesn't take years, which theoretically means you can make a profit in a shorter time.
  • Morby says that with his "creative financing" ideas, no one has to be rich to get into real estate - which could mean that you really can start investing with no background.
  • Extremely negative reviews report that Pace isn't all he says he is - which means you should be cautious when investing big money with him.
  • Real estate is very volatile, which means one minute the market is great, the next you're out of luck and your life savings are gone.
  • While it is nice that there are many YouTube videos, some students have pointed out they are just the same videos that are recycled, meaning you're at risk of learning outdated information.

Why Listen To Us

My name is Josiah, and this is my Dad, Joel.why listen us

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

why listen us gif

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online

  2. Straightforward-ness of the system to do it

  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!

TLDR - What's The Verdict On Gator Method Real Estate?

pace morby scam gator lending

Pace Morby's one of the biggest names in the online real estate investing scene, and now he says he wants to unleash an army of "gator lenders"...

...but should investors hand over their money to Pace Morby?

It depends.

Real estate as a whole is a very traditional industry. It's been around forever, right? Go out there, buy some land or a home, sit on it, and it makes you money one day. Seems reliable enough.

However, the kind of real estate Morby is pushing is mostly focused on the short-term game, and asking for loans that the average professional lending company would have a hard time justifying.

There is way more risk than with the old-school real estate, since you don't have the option to hold long-term if the market tanks.

Pace seems to have built up some loyal followers, but I think it's offset by the high number of bad I feel safer recommending a more stable industry, something that you could consider recession-proof.

While I've heard it called Digital Real Estate before, the more common phrase lately is Digital Leasing - it's basically a way of helping local businesses bring clients in. That's always gonna be in hot demand, as long as there is money to spend and companies to run.

The students seem extremely passionate about what they're doing - not just getting by, but creating their own future.

Digital Leasing Legit

That said, if you'd like to hear some more about our Gator Lending review, let's keep on rolling.

Who Benefits From Gator Lending...And Who Doesn't?

Time Investment2/5While short-term real estate is supposed to help speed things up in terms of profit, learning all the ins-and-outs of this industry and the legal language of loan contracts can take a LONG time time to get down.
Level of Control2/5Markets dictate a lot, and if you're just getting started and have no contacts, then you'll be relying on Pace for loan networking. You may be able to gain control later on.
Ease of Implementation2/5Pace Morby provides a lot of information, but it will still take a long time to really figure out this real estate niche.
Profit Potential3/5I think there's a lot of money to be made here, but there is also a ton of risk. If you're taking the loan, you'll be charged high-interest. If you give the loan, then you need to understand gator loans are the first thing to blow up when a deal falls through.

There are so many real estate gurus out there that it can be tricky to find the right fit for you.

Pace Morby's Gator Lending might be for you if...

  1. You're comfortable taking on high-risk debt
  2. You don't get scared by plummeting markets
  3. You've done well with other real estate programs (like One Day Flip)

On the other hand, it probably doesn't make sense to join him if...

  1. You've lost a lot of money with real estate before
  2. You read some of the Bigger Pockets reviews and are a little nervous
  3. You can't afford the high prices of Pace Morby's courses

Gator Lending at a 1,000 FT View

Business Model

Whether it's dealing with rental properties, Airbnb, or commercial development, real estate has a lot of different sides to it.

Pace Morby seems to specialize in something he calls "creative finance" where he creates cash flow out of nowhere by playing games with loans and debt.

He claims that you don't really need much experience to succeed with the methods he teaches, which I mostly agree with - you need nerves of steel above all else - especially when it comes to gator lending.

Gator lending seems to be a unique marketing brand made up by Pace Morby, when really it falls under a "bridge loan" or "earnest money deposit"...

A bridge loan is exactly what it sounds like - someone provides money for someone else, while they try to come up with money in the meantime.

An EMD is basically like a little incentive thrown toward an offer on a property, to show the seller you're serious.

Flipping houses, renting them out, and wholesale selling are all solid ways to make some big money, and they don't lock you down long term...but that's a double-edged sword. If you tie up all you investments into a debt-based short-term housing plan and the market tanks - you're probably not gonna be able to pay off that debt.

You might lose everything.

When it comes to these kind of strategies in real estate, things are best left to more experienced investors - no matter what Pace Morby tells you.

Also, think about how many people in your life have told you to get into real estate, or mentioned how they wanna do it. The industry is very oversaturated, meaning it'll be very hard to break through the competition.

On the other hand, I have heard of one industry in particular that is just catching fire now. Take a peek and see if it fits the kind of financial freedom you're looking for.

Who Is Pace Morby?

Pace Morby was born in Utah, a state where many MLM founders seem to be from for some reason.

But Pace isn't a network marketer, he's a very popular online real estate guru who is now worth tens of millions of dollars...which you probably figured based on his seemingly endless amount of money he puts into YouTube and Facebook ads.

He started trying out his entrepreneurial skills in high school, and branched out into investments in college. As you might guess, he had some decent connections from well-off friends and family.

After building up portfolios with iBuyer, he realized he'd rather keep a huge chunk of the cut for himself, so he left the company and decided to start his own. Legend has it, Pace looked his old boss in the eyes and whispered softly: "it's Morbin' time."

Now, he claims to have renovated over 7,000 homes, and is well-known for his "creative financing" tips, basically advising inexperienced real estate investors to take on a bunch of debt at high interest rates.

Gator Lending is a newer course he's been offering. Before this one, he created the well-known SubTo program.

How Much Do Pace Morby’s Gator Method Cost?

Gator Lending has all kinds of price points, with the lowest sitting around $2,997, while others around the internet say they've been charged up to $11,000 for Pace's course.

However, that's not the only thing Pace and his sales team will try to pitch you on.

They might try to get you into the SubTo program as well, which offers several pricing options.

  1. Core Membership – $7,800: Six-week course that should teach you about contracts, marketing, scaling, and exit planning. You get to join Pace's Facebook group, and they say you get some access to Pace Morby himself, although it's unclear if this is just through a pre-recorded video.
  2. Standard Membership – $10,800: This is Pace's standard deal, which turns the course from 6 to 11 weeks. This one also brings in some "Astroflipping" features, which is probably some kind of affiliate deal Pace has with Jamil Damji, its founder. There's a transaction coordinator, a Virtual Assistant three-month-trail, and a free CRM.
  3. Mastermind Membership – $19,000: This one takes everything from the standard package, but now you get a a 2-day hangout with Morby in Arizona. Is it worth $8,000 to drive around a few neighborhoods with this guy? I'm not so sure.

Pace also offers other stuff like live events that can range between $10,000-$19,000.

Gator Lending Refund Policy

Nope, no refunds. At least they're honest, but you should still be careful before investing in a company where there is zero chance you'll ever see that money again.

Is Gator Lending Legit Or Not?

trustpilot"You can always tell when Pace has his shills pile in with the glowing reviews."Source
reddit"Gator funding is a scam, its just a way for people to get there fingers in your deal."Source
biggerpockets"Somehow people are paying $8,000.00 or more for this. Just more grift!"Source

As you might be able to tell from the words above, former students are not always thrilled with how Pace Morby operates.

I've seen some nice reviews out there as well, so it's tough to say...but some of the former students have mentioned that Pace would incentivize his students to give good reviews for a discount when they pay for his materials., is Gator Lending legit?

I think it's real estate is a real way to make money, and Pace Morby definitely knows what he's doing...but there are just a few issues with everything going on here.

"Gator Lending" is a more fun way of saying you're gonna either be giving someone a high-interest loan they might never pay back, or you're gonna be the one paying high interest to someone (it might be Pace himself) in order to make ends meet on an investment.

Personally, there's just too much risk here for me. It's "legit", but there are just cooler ways to earn some passive income without having a panic attack looking at the financial markets every morning.

Go and try out Digital Leasing, which is a fun way of saying "getting clients for businesses". No crazy debt games, no relying on random things changing the value of a home...just straight cash.

Personal Opinion On Pace Morby

pace morby gator lending

Pace definitely knows what he's talking about - that's not what people are concerned about.

Some people think he's a little "too good" at marketing, bending the truth a little here and there.

But I'm not gonna sit here and debate that...what I will say is that not all entrepreneurs can teach something just because they know how to make themselves rich.

So, how do we choose the right program for you?

  • Make sure you have a good, honest guru with integrity
  • Check out student reviews to make sure the program is like it's advertised
  • Think about how much control you'll really have over your own success

Pace isn't the worst guru out there. There's some room for concern, but let's be fair.

How about a quick 3 things I like about him:

  1. Lots of free YouTube footage
  2. Knows how to get rich
  3. Pushes short term deals, to get rich quick

...and, to be fair, 3 things I don't really like:

  1. High interest loans and big debt are risky games to play
  2. Very expensive programs
  3. Possibly paying for fake reviews

What's Inside Pace Morby's Program?

Gator Lending

Gator Lending, as I mentioned earlier, is just a fun little name that can be swapped out with terms like:

  • same-day funds
  • Earnest Money Deposits
  • one-day bridge loans

Pace's example was something like "if someone comes to me and says they need $500,000 to close a deal, then I can go to five gators, wrestle up $100,000 from each of them, then I walk away with a $25,000 cut just for putting it all together".

He is making it sound a little easier than it really is, in my opinion. Have you ever tried to borrow a hundred bucks from someone? Now try a hundred thousand the very least, it'll take some persuasion and time.

Beginners Getting Into REI

Pace Morby says that gator lending can be an easy way into Real Estate Investing, giving the analogy of "moving in and outta REI like a real alligator moves in and out of water."

Sounds relatively easy, but Pace is leaving out the part where a gator loan is basically the least secure thing about an investment. It's kind of like a security deposit, where if anything goes wrong and the deal blows up - so does your money.

It seems like Pace advertises both ends of gator lending - being the gator, as well as using gators to get your deals done.

Using Gators To Seal Deals

When you wanna buy a property, regardless of if you'll be flipping it or renting it out, you've gotta sign a sales contract. At that point, the seller is likely to require you throw down a deposit that day - so you might need money in a hurry if you don't wanna get beat out by someone else.

The percentage on these EMD deposits are usually around 1% of the the overall price, and guys like Pace will make themselves available as "gators"...if you have the right connections, or pay Pace Morby to work with you.

pace morby courses program


Without getting into much detail, Pace's SubTo course is his bread and butter - it basically talks about "creative financing", which is another way of saying that he can get money for people with no money...even people with bad credit.

If you try to sign up for Gator Lending, you may eventually be pushed toward this one as well, as it has a heavy focus on renting/flipping.

Conclusion: Pace Morby Reviews

So, is Pace Morby a gator you can trust within the real estate industry?


It'll cost you a LOT of money to work with him, but he does seem to know what he's talking about in the old-school world of physical real estate.

I guess the real question is...does it make sense to take short-term gambles in an industry where the market can be rocked for years at a time, at any given notice?

I say no.

On the other hand, taking the physicality out of it can be useful - like with Digital Leasing.

Instead of begging Pace Morby to help you with high-interest loans, you'll have businesses coming to you to help deliver more clients their way. It's a gig where the "demand" will always exist, and there's no such thing as too much "supply".

Remember, there's always another way when it comes to scoring some real financial freedom.

What Is My #1 Way To Make Money in 2024?

Digital Leasing

I have spent years researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Leasing is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t. 

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day. 

This is only possible if you have an income stream that’s not tied to your time.

Flipping and wholesaling are full-time jobs (and more), no matter what any real estate guru tells you. You always have to be searching for deals, because if you stop, so does the money. That goes double for "Gator Lending" or dealing with big-time debt in general.

2) You Own & Control EVERYTHING: Yes, in the world of flipping and wholesaling, you kind of “own” the properties. But there’s also a ton of debt tied to most real estate investments, which means the property isn’t truly yours.

A lender can take it away if you miss a payment. Not to mention, high-interest gator loan payments really impact your profit margins.

And if you're the one putting up the gator loan, your deposit will be first to go up in flames if anything goes wrong on the deal.

With Digital Leasing, you own the assets outright (with a 90-95% profit margin), which means you have all the power and all the control.

3) Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket...even before you do any work. 

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

4) Minimal Ongoing Expenses: With Gator Lending, monthly expenses are HIGH. 

Between paying interest on those high interest loans, working on maintenance/repairs, trying to negotiate high-stakes loan deals...real estate isn't as easy as some gurus make it sound.

With Digital Leasing, a 100% online business with minimal maintenance and ongoing costs, you never even have to think about that risk.

5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Nothing like Pace Morby's program.

Because you have more knowledge, more experience, more results, and more momentum. 

If you wanted to double your income with short-term real estate, you’d have to double your monthly rent, double your gator loan deals/number of units OR double your profit margins. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.

6) Make Money Helping Real People: This part is what makes it all worth it. With Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses. 

You make money by helping them make money. 

Not a big, faceless corporation either...a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent. 

Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.

Now, the choice is yours. You could continue browsing, looking at opportunities like Gator Lending which could one day make you money.

You could continue researching, never making a decision. 

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits. 

All while genuinely helping real people who are grateful and happy to pay for it. 

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

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