Pace Morby Course Review (2025 Update): Is His Mentorship Worth The Cost?

The Pace Morby Real Estate Program – 1,000 FT View

Let’s start with the basics.

Pace Morby’s Business Model

Pace Morby’s business model is known as Subto. This is a mentorship and real estate training program for real estate investors. The primary objective of this program is to teach people how to use creative financing strategies in real estate investment.

These strategies focus mainly on buying real estate that’s Subject to loans. You also learn Subject to investment, which refers to a strategy where a buyer takes control of property with an existing mortgage and continues to pay the remaining mortgage.

How do you earn money, you might be wondering? This program earns you money through the following ways:

1. Find sellers facing foreclosure
2. Negotiate the deal
3. Secure the funding through creative financing
4. Real estate investment exit strategies, which can be buy-and-hold, wholesaling, or fix-and-flip.

It draws a similarity to local lead generation, where you earn money without the financial commitment of the real estate industry.

But before I proceed to further details of the program, let’s first define creative financing.

What is Creative Financing?

Creative financing is a term used to describe property financing that isn’t a mortgage loan. This form of financing can be anything from rent-to-own mortgage payments, hard money loans, and seller finance, to name a few.

Now that you know what creative financing and Subto coaching program is, let’s take a look at how this program works.

How Does The Subto Program Work?

Subto is short for Subject to real estate. It’s a type of financing option where buyers make an offer on properties and agree to take on the existing mortgage payments. This procedure is known as mortgage assumption.

The buyer may be obliged to pay out the outstanding mortgage payments over a short time. But there’s also the option of making recurrent payments over a longer period.

This means as the buyer, you don’t have to provide proof of funds or your bank and tax records to make real estate investments.

With subject-to deals, the seller doesn’t receive the house payments upfront but receives the benefits after the transaction is complete.

This investment program creates a win-win situation for both the seller and the buyer.

• As the seller, you can avoid catastrophic damage to your credit score. Falling behind on your monthly mortgage payment means facing foreclosure, which could end up hitting your credit report and personal credit score. Believe me, fixing it is going to be expensive.
• As the buyer, investing using this strategy lets you do so without the hassle and costs of applying for a mortgage. This is a great strategy if you’ve previously had a bad credit score or don’t want to risk your credit standings.

Important things to consider about this real estate deal strategy:

1. There’s usually no formal agreement between the buyer and seller.
2. The buyer isn’t legally obligated to make payments depending on specific circumstances

Let’s take a look at the cost of this program.

How Much Does the Subto Program Cost?

Subto coaching program is divided into three categories. They all require one-time payments and come with different program inclusions. The three levels include:

Core ($7800): This is a video course program that offers a step-by-step process for scaling up the business, making contracts, managing marketing, and exit strategies. You also get access to a community via a private Facebook support group and daily Zoom calls with Pace Morby and other real estate mentors for 6 weeks.

Standard ($10,800): The standard package includes everything available in the core package and several additions. Additions include strategies like probate, Astroflipping, and more, which bring up your training schedule to 11 weeks.

Included with the package details is your own virtual assistant for 3 months to help with tasks. You also get access to one free transaction coordinator and a customer relations manager.

Mastermind ($19,000): This tier contains everything from the core and standard membership packages, including a virtual assistant for 3 months. You also get one trip to Phoenix to spend two days with “the creative finance guru” in person and go with him on a ride-along

Now that you know the basics and cost of this program, let’s meet the man behind the course.

Who is Pace Morby?

Pace Morby is a real estate investor with a portfolio of over 7,000 homes under his belt. He took business management courses at Utah State University and Weber State University, which formed the foundation of his success in business regardless of the industry.

His background in business management gave him a wealth of experience to start many successful businesses.

Some of these include:

• At the age of 23, he founded Arcadia Holdings, a holding company for oil and gas manufacturing companies.
• He founded LifeNumber in 2011, a technology company that provided a uniform way to identify patients with their EMRs and PHRs.

His love for the real estate business started after selling Life Number in 2012, where he started rehabbing and flipping residential properties to make money. The Subto training program was birthed in 2019 after years of experience in the industry.

As an active real estate investor, Pace has amassed a net worth of $35 million worth of real estate property across the United States. His goal with the Subto training program is to help inexperienced and experienced investors invest without having to borrow money.

How is Pace Morby’s Subto Coaching Program Different From the Rest?

The real question with this Pace Morby review, in my opinion, is how the Subto training program is different from the rest.

Let’s be real- Pace Morby’s creative finance strategies struck a cord and got you thinking about how to invest in real estate. But what makes his program different from the rest?

1. Subto helps level the real estate investment game. It’s no longer a rich man’s world, thanks to creative financing, a real estate investment strategy in the program.
2. Pace Morby seems to offer more than just the bare minimum. He offers practical, real-life guidance through the private Facebook group and Zoom meetings, depending on the course level you pay for.

My Personal Opinion – Is Pace Morby A Scammer?

If you’ve stuck around as a reader here for a while, you’re well aware that I’ve been down the rabbit hole with these sorts of real estate programs. I’ve also made money from them.

So, my advice and opinions on this program are based on my experience with similar programs like this.

First, let’s get it clear. The answer to whether Pace Morby is a scam is NO!

But any program, no matter how good it is, will always come with a ton of bad reviews. Truth is, not everyone will make money from these passive income programs.

But just because there are bad reviews about this program on Reddit, Quora, or Trust Pilot doesn’t mean that his mentorship isn’t worth it. But making money using his program isn’t as easy as he claims it to be.

Let’s take a few steps back and look at how I gauge the worth of any program, especially real estate. Some things I look at include:

• Prior experience and career goals in the real estate industry: Pace Morby’s mentorship is for both inexperienced and experienced real estate investors.
• The real-world experience of the guru: Pace Morby has worked in the real estate industry since 2012 and has the assets to back up his success.
• The availability of coaching or access to a community is provided throughout the training.
• The honesty of the program in terms of upsells, ongoing expenses, and more
• Last but not least, the other students’ success. After all, there’s no point paying >$7800 if there isn’t enough viable proof that shows these strategies work.

My Recommendation Based on Pace Morby Reviews

Now that you know what to look for in a real estate training program, let’s apply that criteria to the Subto program. First, the positives:

Pace Morby has, over the past 11 years, used the strategies he teaches to make real estate deals. Having amassed a net worth of $35 million worth of real estate property goes to prove that his Subto strategies work.

This experience is definitely a positive.

Second, the community and support Pace Morby offers is hands-on. According to this Trust Pilot user, the mentorship and community this program offers ensures you’re never alone in every step of the training program.

Now the negatives:

Here are some reasons why I don’t think Pace Morby’s mentorship is worth it:

1. Based on this Reddit thread, some users have had bad experiences with the community and mentorship aspect of the project. This is a huge red flag for me because aside from the creative financing strategies, the biggest sales point of this program is the community.
2. You can also check out what this Trust Pilot user had to say about the community and Pace’s mentorship.
3. Having gone through the video and training provided, coughing out >$7800 for information on the investment model you can get free on YouTube isn’t worth it.

Also, while one of its main sales points is that it’s accessible to beginners, the irony is that the price might be too expensive for someone who’s only just starting out.

What’s Inside

At the time of writing this review, the Subto program offered the following training materials:

Training Video Courses

Every level of this program has access to the training video course, which takes six weeks to complete. The videos mainly teach the Subto business model, how to cold-call, joint venture programs, exit strategies, and how to scale your business, to name but a few.

Those in the standard and mastermind level also get access to more video training material like astroflipping and how to hire virtual assistants for your business.

Apart from the video content, every level receives templates, scripts, and documents for common tasks.

Coaching and Group Access

Aside from the training video course, you’ll also get access to a Private Facebook group made up of other students.

You’ll also get daily Zoom coaching sessions, which are hosted by Pace Morby or other senior coaches.

Event Access

For the mastermind level, you’ll be eligible to meet Pace Morby in person. You’ll also have access to join special live events whenever they’re held.

Conclusion – To Buy or Not to Buy?

Real estate is no doubt one of the best ways to create generational wealth. But doing so isn’t as easy as Pace Morby paints it to be.

In view of everything I’ve discussed in this review, is his mentorship worth it? Maybe, but that depends on how much you’re willing to risk. While the creative strategy does help you buy property without applying for a mortgage loan, making the sale will take up your effort, time, and money.

Also, the real estate sector is pretty competitive, so you really have to be passionate about learning the ropes.

Rather than part ways with thousands of dollars, your time, and effort for a program that may give you a super low cash flow, why not check out the Digital Rental Method first?

What Is My #1 Way To Make Money Online In 2025?

I’ve personally tried all of the major online business models:

• I’ve sold fidget spinners through Amazon FBA
• I’ve drop-shipped a toilet-bowl putting green on Shopify
• I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

It’s worth noting that I FULLY endorse real estate investing as a way to grow wealth, and that’s why I invest my own money in commercial and residential real estate.

That being said, my #1 recommendation for making real money online as a beginner is, hands-down: the Digital Rental Method.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, using the Digital Rental Method is for you.

Why?

Time: If you’ve got a spare hour-or-two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

Real estate investing is a FULL-TIME JOB. If you stop finding deals, your money dries up.

Ownership & Control: Unless you’re buying your properties in cash, you don’t technically own the properties – the lender does.

If you miss a single payment, the property can be taken from you.

Why pour your soul into a business that could be taken away from you at the drop of a dime?

With the Digital Rental Method, you literally own all of the assets, which means you have ultimate control.

Ongoing costs: With real estate, profit margins are actually pretty slim. Real wealth is made in owning the assets, and owning A LOT of them.

Using the Digital Rental Method, your profit margin can be as much as 90%+. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best case scenario, you have properties that can bring $3,000+/mo.

It’s Easy to Scale: Here’s my favorite part: once you have your first Digital Rental Property up, you can tweak and make another version of it and find another willing “renter” in a few days.

If you wanted to double your income with real estate investing, you would need twice as many properties, or double your profit margins on each property. And I can guarantee you , that’s a lot harder than building a digital rental property.

Make Money Helping Real People: With the Digital Rental Method, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If we can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put FOOD on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other opportunities like the Subto Coaching Program, which might make you money.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.