Pace Morby: Unpacking The Real Estate Visionary's Impact

Rubie Greenfelder 27 Jun 2025

Pace Morby has emerged as a central figure in the real estate investment world, captivating a wide audience with his unconventional approaches and a dynamic online presence. From hosting a popular TV show to authoring a comprehensive guide on creative financing, Morby has carved out a significant niche, attracting both fervent supporters and skeptical observers. His name has become virtually synonymous with innovative real estate strategies, particularly in the realm of seller financing and "subject to" deals.

This article delves deep into the phenomenon that is Pace Morby, exploring his background, his methodologies, the community he has built, and the various perspectives surrounding his influence. For anyone looking to navigate the complex world of real estate investing, understanding the insights and controversies associated with figures like Morby is crucial for making informed financial decisions.

1. Pace Morby: A Brief Biography
2. The Core of His Philosophy: Creative Finance and "Subject To" Deals
- 2.1. Seller Financing Explained
- 2.2. The "Subject To" Strategy
3. The Subto Community: A Network of Support and Opportunity
- 3.1. The Gator Lending Tribe
4. Navigating the Mentorship Programs: Cost vs. Value
- 4.1. The ROI Question: What Do Students Say?
5. Media Presence and Public Profile
6. "Wealth Without Cash": A Roadmap to Financial Freedom
7. Addressing Criticisms and Skepticism
8. Making Informed Decisions in Real Estate Education

1. Pace Morby: A Brief Biography

Pace Morby, also known as "Subto Storyteller," is a prominent American entrepreneur, real estate investor, business strategist, and influencer. Born on February 21, 1983, Morby has rapidly ascended in the real estate world, establishing himself as a leading voice in creative financing. He is not just an investor but also a family man, married to a real estate agent, and a father of four children.

His journey into real estate investing has been marked by significant acquisitions. As of 2022, Morby had acquired over $32 million worth of properties across the United States. His portfolio has since expanded, reportedly exceeding $450 million in real estate assets, showcasing his mastery of creative financing. He is also the host of A&E's popular TV show "Triple Digit Flip," further solidifying his public profile and demonstrating his hands-on approach to real estate. Pace Morby presents himself as a professional real estate investor, entrepreneur, visionary, father, and husband.

Personal Data & Biodata:

Attribute	Detail
Full Name	Pace Morby
Also Known As	Subto Storyteller
Born	February 21, 1983
Nationality	American
Profession	Real Estate Investor, Entrepreneur, Business Strategist, Influencer, TV Host
Marital Status	Married
Children	Four
Property Acquired (as of 2022)	Over $32 million
Real Estate Assets (reported)	Exceeding $450 million
TV Show	Triple Digit Flip (A&E)

2. The Core of His Philosophy: Creative Finance and "Subject To" Deals

Pace Morby's expertise primarily revolves around creative financing strategies, which allow investors to acquire properties without traditional bank loans or substantial upfront cash. This approach is particularly appealing in a challenging market where conventional financing can be restrictive. He emphasizes unlocking "wealth without cash" by leveraging innovative methods that traditional investors often overlook.

2.1. Seller Financing Explained

Seller financing, a cornerstone of Pace Morby's teachings, involves the seller of a property acting as the lender to the buyer. Instead of the buyer obtaining a mortgage from a bank, they make payments directly to the seller according to an agreed-upon schedule. This method offers flexibility for both parties, potentially allowing buyers with less-than-perfect credit to acquire properties and sellers to receive a steady income stream or defer capital gains taxes.

Morby champions this strategy as a way to bypass the stringent requirements of banks and mortgage companies, which he suggests are "getting wise and they are recognizing the threat that Pace Morby is to them." This perspective highlights his position as a disruptor in the traditional real estate finance landscape.

2.2. The "Subject To" Strategy

Another key strategy Pace Morby advocates is the "subject to" deal. In a "subject to" transaction, an investor takes over the seller's existing mortgage without formally assuming the loan. The title to the property is transferred to the investor, but the original mortgage remains in the seller's name. The investor then makes the mortgage payments. This method can be highly advantageous for acquiring properties quickly and with minimal down payment, especially when sellers are motivated to offload a property and its associated debt.

However, "subject to" deals come with inherent risks, primarily for the seller, as the mortgage remains in their name, impacting their credit if payments are missed. Morby's programs reportedly provide the necessary tools and legal insights to navigate these complex transactions safely, including access to real estate attorneys and accountants.

3. The Subto Community: A Network of Support and Opportunity

Beyond specific strategies, Pace Morby has cultivated a vast and active community known as "Subto." This community is presented as a "beacon of knowledge and inspiration," offering "unparalleled access to top professionals, including real estate attorneys, accountants, marketers, HR experts, and life/business coaches." The idea is to provide a holistic support system for aspiring and experienced investors alike.

Many individuals are drawn to this community, seeking mentorship and a sense of belonging. Some express that they are "attracted to Pace Morby's course because it is not simply wholesaling but also Airbnbs and flipping and pretty comprehensive." The community aspect is a significant draw, promising a network of like-minded individuals and direct access to Morby himself.

One of the recurring positive sentiments is that "Pace was the only one I encountered who showed up live, who is living these deals out every day and consistently finding ways to deliver (increasing) value to his community." This direct engagement is a powerful motivator for those considering joining his programs.

3.1. The Gator Lending Tribe

Within the broader Subto community, the "Gator Lending Tribe" is a private, paid community specifically designed for investors seeking private money for their deals or those with capital looking for deals to lend on. This acts as a marketplace, connecting those who need funding with those who can provide it. The concept is appealing for its potential to facilitate deals that might otherwise be impossible through traditional lending channels.

However, the cost of joining, reportedly around $3000, makes potential members "a bit hesitant." There's a common sentiment of "it almost seems too good to be true," leading to questions about the actual results seen by members who have joined.

4. Navigating the Mentorship Programs: Cost vs. Value

Pace Morby offers various mentorship programs, with the "Subto Creative Finance Mentorship" being a prominent one. These programs are often described as comprehensive, covering not just wholesaling but also Airbnbs and flipping. The appeal is clear: learn directly from an experienced investor who has amassed a significant portfolio.

However, the cost of these programs is a frequent point of discussion. Reports indicate the Subto program can be "fairly expensive," with figures like "$10,000 dollars" being mentioned. This significant investment naturally leads prospective students to weigh the potential return on investment (ROI) against the upfront cost. Many are "on the fence on whether I should pull the trigger," seeking honest feedback from those who have completed the program.

4.1. The ROI Question: What Do Students Say?

The core question for anyone considering a high-cost mentorship program is its efficacy. While some testimonials express positive experiences, stating they've "made back my money and more," there's a perceived lack of concrete data. Concerns are raised about "reviews from dead accounts or 1 and done posters," leading to skepticism about the "legitimacy" of some claims.

Potential students are "looking to get some actual students insight on the ROI of the program," wanting to know "how many deals they've done, what intrinsic value was provided, etc." This highlights the critical need for transparency and verifiable success stories in the education sector, especially when dealing with "Your Money or Your Life" (YMYL) topics like financial investments and education.

5. Media Presence and Public Profile

Pace Morby's public profile extends beyond his online courses and community. His role as the host of A&E's "Triple Digit Flip" has given him mainstream exposure, showcasing his practical application of real estate investing strategies. This television presence adds a layer of credibility and accessibility, allowing a broader audience to witness his methods in action.

His content also frequently appears on platforms like YouTube. Many discover him through podcasts, such as BiggerPockets, and then find themselves "continuously bombarded" with his content by the YouTube algorithm. This pervasive online presence ensures that Pace Morby remains a highly visible figure in the real estate education space, constantly attracting new curious individuals.

6. "Wealth Without Cash": A Roadmap to Financial Freedom

Pace Morby has also encapsulated his strategies in his book, "Wealth Without Cash: Unlock the Secrets to Unparalleled Success in Real Estate Investing with Our Comprehensive Guide." This book is positioned as a "groundbreaking" roadmap to financial freedom through "innovative strategies that traditional investors overlook." It encourages readers not to "settle for ordinary returns when extraordinary opportunities await" and to "supercharge your real estate investing journey."

The book serves as a tangible resource for those interested in his methods, offering a structured approach to understanding creative financing. It aims to demystify complex real estate concepts, making them accessible to a wider audience, and provides a foundation for those considering deeper engagement with his mentorship programs.

7. Addressing Criticisms and Skepticism

While Pace Morby has garnered a significant following and many positive testimonials, he is not without his detractors. The "Data Kalimat" provided includes some very strong negative sentiments, such as labeling him the "SBF and Madoff of real estate" and comparing his followers to "Hamas." These are serious allegations, reflecting a deep level of distrust and concern among some observers.

Such criticisms often stem from the broader skepticism surrounding "gurus and paid" mentorship programs in the real estate space. Some perceive these programs as preying on individuals "wanting to belong" or those who are less experienced, leading them into "intricate nasty ways of infiltrating the lives and dreams of good people wanting to succeed in real estate." The high cost of the programs, combined with a perceived lack of concrete, verifiable ROI from students, fuels this skepticism. The notion that "banks and mortgage companies are getting wise and they are recognizing the threat that Pace Morby is to them" could be interpreted in different ways: as a testament to his disruptive innovation, or as an indication of regulatory concerns.

It's important for prospective students to acknowledge these criticisms and understand that any investment in education, especially in financial matters, carries risks. The "too good to be true" feeling mentioned by some is a valid red flag that warrants thorough due diligence.

8. Making Informed Decisions in Real Estate Education

For individuals considering any form of real estate education, particularly high-cost mentorships like those offered by Pace Morby, the principles of E-E-A-T (Expertise, Experience, Authoritativeness, Trustworthiness) and YMYL (Your Money or Your Life) are paramount. Given that these programs deal with significant financial investments and career paths, thorough research is non-negotiable.

Verify Claims: Don't just rely on testimonials. Seek out independent reviews, look for verifiable success stories, and try to connect with past students directly.
Understand the Risks: Creative financing strategies, while powerful, carry inherent risks. Ensure you fully comprehend the legal and financial implications of "subject to" and seller financing deals before engaging.
Assess Your Fit: Consider if the teaching style and community align with your learning preferences and personal goals.
Compare Options: Explore other reputable real estate education providers, including those from platforms like BiggerPockets, to compare curricula, costs, and support systems.
Due Diligence: Before making any financial commitment, especially one as substantial as a $10,000 program, conduct extensive due diligence. This includes understanding the refund policy, the exact deliverables of the program, and the level of ongoing support.

Pace Morby undoubtedly offers a unique and comprehensive approach to real estate investing, particularly for those interested in creative financing. His extensive portfolio, media presence, and the robust community he has built are compelling. However, like any significant investment, engaging with his programs requires careful consideration, an understanding of both the opportunities and the criticisms, and a commitment to personal accountability in applying the knowledge gained.

Conclusion

Pace Morby stands as a polarizing yet influential figure in the real estate investment landscape. He has successfully demystified complex creative financing strategies, making them accessible to a broad audience through his mentorships, books, and public appearances. His Subto community provides a unique ecosystem for networking and learning, attracting thousands who seek an alternative path to traditional real estate investing.

While his methods are lauded by many as transformative, the high cost of his programs and the inevitable skepticism surrounding online gurus necessitate a cautious approach. Prospective investors must balance the allure of "wealth without cash" with the critical need for thorough research and a realistic understanding of the effort and risks involved. Ultimately, Pace Morby offers a powerful set of tools and a vibrant community, but success within his ecosystem, as with any educational endeavor, hinges on the individual's commitment, diligence, and ability to apply the learned principles effectively.

What are your thoughts on Pace Morby's approach to real estate? Have you been part of the Subto community or considered joining? Share your experiences and insights in the comments below, and don't forget to share this article with anyone exploring creative real estate financing!

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