Pace Morby Review (2023 Update): Legit Real Estate Mentor Or Scam? #7 Will Shed Some Light!

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Updated: March 05

By: Scam Risk - Expert Reviewer

Pace Morby Review

Pace Morby introduces himself as a “creative finance junkie.

You’ve probably seen him and his trademark peace sign all over the internet discussing subject-to real estate deals.

What are subject-to deals? How can you benefit from them?

Are Pace’s courses, coaching, and mentorship programs of high quality? How much do they set you back? Is he legit? Can you make money from his course?

I’ll answer all these questions and more! So hang in there!

Now, I do want to be totally up front here, so… 

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

Pros: What I Liked

  • Credible guy who knows what he's talking about
  • Explores different types of real estate investing
The Good

Cons: What I Didn't Like

  • The course is a little pricey
The Bad

Table of Contents

Subto is a real estate investing program.

Like most real estate investing training courses, you’ll likely be exposed to the “Big 3” investing types:

  • Flipping
  • Wholesaling
  • Long-term buy-and-hold

Regardless of which path you go down, there is a lot of potential with real estate investing.

After all, it’s the world’s oldest wealth-builder.

However, before you leave this Subto review and go sign up, you might want to ask yourself:

“Is now the right time for me to get into real estate investing?”

Because, no matter which way you slice it, real estate investing is extremely capital intensive, labor intensive, or both.

So if you’ve only got an hour or two a day, or your savings account is a few zeroes lighter than you’re comfortable with, this might not be the best time for you to jump into real estate investing.

But that doesn’t mean you’re out of luck. It just means you need a system to free up more time and give yourself a stronger financial cushion.

A good way to get yourself there is with Digital Real Estate.

Digital Real Estate takes all the best parts of real estate investing, while eliminating most of the headaches:

  • Low cashflow
  • Interest payments
  • Mortgages
  • High overhead
  • Expensive repairs and maintenance
  • Problematic tenants

And the best part?

Digital Real Estate allows you to build a passive income stream that’s actually passive!

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000).

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day analyzing deals, cold-calling homeowners, or dealing with contractors.

If that sounds like something you’d be interested in, check out Digital Real Estate.


 This is the perfect first step to build recurring income that you can then use to start investing in real estate down the line.

However, if you’d still like to know more about Subto, keep reading.

Who Is Pace Morby?

Who Is Pace Morby

Our guy Pace Morby is a popular real estate investor who began his career as a contractor, renovating over 7,000 homes.

Pace was employed as a flipper for a few well-known iBuyer portfolios. He flipped over a thousand properties a year but did not amass any wealth for himself.

This is when he started flipping his own houses and gradually, methodically creating a portfolio of rentals that would give him the cash flow he needed. He accomplished this fully without the assistance of bank financing.

He’s always had an entrepreneurial mentality, having founded a profitable company before graduating from high school and managed two businesses while attending college.

One of his significant entrepreneurial accomplishments was owning and operating a thriving gas and oil company with over $15 million in yearly revenues and more than 200 workers when he was only 23 years old. Pace’s areas of expertise include small business growth, fundraising, and business consulting.

Pace Morby‘s name has become associated with seller financing, subject to deals and flipping. He’s one of the most familiar players in the real estate game regarding non-traditional or creative financing. His goal is to inspire entrepreneurs globally to do the same.

What Is Creative Financing In Real Estate?

What Is Creative Financing In Real Estate

In the real estate industry, “creative financing” refers to any type of financing arrangement that does not entail a traditional mortgage loan. Hard money loans, rent-to-own, and seller financing are just a few instances of creative financing.

When a loan is put up in a unique, uncommon, or innovative fashion, it creates a situation in which a person with bad credit or unfavorable credit history might buy a home or other real estate.

This usually entails arranging long-term loans and creative credit repayment plans to get buyer finance that a person would not normally be able to obtain. A creative financing agreement is typically provided by a third-party lender or financial institution and can be found in various loan and financing arrangements.

What Is Subto?

What Is Subto

Subto is a real estate education course and community that focuses on creative financing solutions and offers training and mentorship to real estate investors around the United States.

Subto is a six-week program in subject-to investing and creative finance. Each week of the program is devoted to a critical aspect of starting your own business, including managing costs like property taxes. The modules are designed to provide both newcomers and veterans with a thorough understanding of Pace’s subto investment strategies.

How Much Does Subto Cost?

Pace Morby’s flagship Subto course includes step-by-step video teaching, tools, Facebook group (a community that treats each other like family members), and more. How much money do you need to enroll? The price is $7,800. 

Pace includes a three-month virtual assistant and a CRM as bonuses. The cost rises to $10,800. 

On the back end, live events and masterminds are marketed at prices ranging from $10,000 to $19,000.

What Is A Sub To Deal?

Subject to in real estate refers to the fact that you are purchasing a home that is subject to an existing mortgage.

Exactly what happens under normal circumstances when a homeowner sells a property on which the mortgage is not entirely paid off?

Most of the time, the proceeds of the sale are utilized to pay off the outstanding mortgage, with the remainder going to the seller. Alternatively, the buyer may assume the remaining mortgage, a procedure known as “mortgage assumption.

Subject to is a compromise between the two choices. The buyer undertakes to make payments to the seller’s mortgage company until the mortgage is entirely paid off under a subject to. The mortgage is still in the original owner’s name, but the buyer pays it off.

The buyer may be obliged to pay off the remaining mortgage balance in a short time, but the buyer may also be compelled to make recurrent payments over a longer period.

Important points to consider:

Usually, there’s no “formal” agreement between the buyer and seller.

The buyer is not legally obligated to make mortgage payments in some circumstances.

However, if the buyer fails to make payments, the house may go into foreclosure.

At first glance, it seems that the seller assumes more risk because the buyer is not legally required to make mortgage payments. However, even if the buyer does not assume the mortgage, the buyer still obtains ownership of the property.

If the buyer defaults on making payments, the house will go into foreclosure, and the buyer will lose possession of it.

Usually, that’s enough incentive for a buyer to keep their half of the contract.

Is Sub-to One Of The Best Creative Financing Strategies?

Sub-to enables you, the investor, to purchase real estate without the need for funds or even good credit. By not needing to borrow money, you save time and money. It’s also a clever strategy to earn from deals that aren’t appealing to wholesalers, repair, and flippers, or buy and hold investors.

If the seller falls behind on mortgage payments, they can prevent foreclosure and thereby maintain their personal credit score.

As a result, Subto can be a true win-win situation. And, when you think about it, it’s the simplest, least complicated, and most cost-effective option for real estate investors to expand their portfolios.

Of course, there are risks involved. If the seller declares bankruptcy and the house is foreclosed on; your equity may be lost. If you’re doing subject-to deals, you’ll want to hire a decent lawyer and title company.

Is Pace Morby Legit? Is Subto A Scam?

Is It A Scam

So, is Subto a scam? Not technically. You can make money with this program, but it’s definitely not as easy as Pace Morby makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – the actual profit margins on real estate investments are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months – looking at deals, sending out offers, negotiating with the seller and lender to buy a rental property – and then your reward is like $100 a month in profits, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month (with a 90-95% profit margin)?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate.

And, unlike traditional real estate, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are the alternatives to Subto?

Yes, there are plenty of other business models to choose from if you want to pursue this making money online.  Here are just a few:

What Is My Top Recommendation For Making Money In 2023?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

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

Digital Real Estate 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 Real Estate 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 Real Estate 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.


2) You Own & Control EVERYTHING: Yes, in traditional real estate 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, loan payments really impact your profit margins.

With Digital Real Estate, 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 Real Estate 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 traditional real estate, monthly expenses are HIGH. Between loan payments, ongoing maintenance, and repairs (not to mention the possibility of having to go through the eviction process), profit margins are slim.

Plus, whenever you have a vacancy, factor in the costs to turn over a unit (plus the fact there’s no money coming in until the next tenant moves in).

With Digital Real Estate, 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.

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

If you wanted to double your income with traditional real estate investing, you’d have to double your monthly rent, double your 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 Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, 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 Real Estate 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 Subto 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 Real Estate.

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 Real Estate.

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