Pace Morby Review (2022): Is His Mentorship Worth The Cost?

By: Hope
By: Hope
Welcome to my Pace Morby review. My goal is to answer common questions like: how can you work with him, is he a scammer, can he help you make money with the course, & who Pace Morby really is. The end goal is to help you understand if he's a good fit for you personally, and if there are any people or programs out there.
Pace Morby Review


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.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for Pace Morby

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Pace Morby is teaching you to do.
I have absolutely no relationship with Pace Morby, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with real estate.

All that being said, let’s jump into things.

Question: have you ever heard of Pace Morby, also known as the “creative finance junkie”?

You may have seen him and his signature peace sign online discussing subject-to real estate agreements.

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

Are Pace’s courses, coaching, and mentorship programs 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!

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

Pace Morby is a mentor that teaches you about real estate investing.

If you’ve read my other articles on real estate investing, you’ll know there are 3 primary ways to invest:

Wholesaling, buy-and-hold, and flipping.

While each has pros and cons, there is a ton of potential for success investing in real estate.

Real estate has created some of the largest fortunes in world history.

That being said, you should take some time to think about something seriously:

Is now the best time for YOU to get into real estate investing?

Because despite the potential upside, investing in properties or land takes a lot of capital, and is very labor-intensive.

That means if you:

  1. Have less than 3 hours per day, OR
  2. Aren’t sitting on $20K+ in disposable income

This may not be the best time for you to start investing in physical real estate.

Don’t get me wrong, real estate investing can be an amazing way to protect your assets while generating cash – but there’s a time and a place for it.

But there’s good news!

All you need is a system to generate the cash (& free time) you need to be ready for real estate investing.

My preferred method of getting there is by becoming a Digital Landlord

It takes the benefits of real estate investing but removes many of the barriers (& annoyances), like:

  • Small cash flow on properties
  • Having to take out debt
  • Dealing with repairs and upkeep
  • Dealing with tenants

The cool part is that the income is mostly recurring (AKA semi-passive).

You could make anywhere from $2,000-$10,000+ per month doing it.

You can build it as big (or small) as you feel like, without the annoyances I listed above.

If that sounds interesting, you might want to think about becoming a Digital Landlord.

Then, you can take the profits and start investing in physical real estate a year or two from now.

If you wanna see what Pace Morby looks like on the inside, keep reading.

Who Is Pace Morby?

Who is Pace Morby

Pace Morby is a well-known real estate investor who started as a contractor and has since renovated around 7,000 homes.

Pace worked for a couple of well-known iBuyer portfolios as a flipper. He flipped thousands of houses every year but didn’t earn any money from it.

He started flipping residences and building a rental portfolio to generate income flow. He was able to complete this project entirely without getting a loan from a bank.

He had always had an entrepreneurial spirit, having started a lucrative company before high school and ran two businesses while in college.

One of his significant entrepreneurial accomplishments was owning and operating a thriving gas and oil company with over $15 million in yearly revenue 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 real estate 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?

Creating Financing

Creative financing” is a term used in the real estate industry to describe any financing that isn’t a typical mortgage loan. Creative financing options include hard money loans, rent-to-own, and seller finance, to name a few.

A unique, rare, or innovative loan allows a person with poor credit to acquire 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

Real estate investors from around the US can take advantage of Subto’s real estate education course and mentorship programs, which focus on creative solutions for financing real estate investments or transactions.

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?

how much does pace morby mentorship cost

Among the many resources offered by Pace Morby’s flagship Subto course are video tutorials, tools, a Facebook group (in which participants are treated like family), and much more. So how much does it cost to enroll? The total cost is $7,800.

Pace includes a three-month virtual assistant and a CRM as bonuses. The cost rised 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?

Buying a house with an existing mortgage is “subject to” in the real estate industry.

What happens when a homeowner sells a home on which the mortgage is not completely paid off on usual occasions?

The sale proceeds are often used to pay off the outstanding mortgage, with the remaining funds given to the seller. The buyer can also assume the remaining mortgage, 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. 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, 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 property ownership.

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 Subto One Of The Best Creative Financing Strategies?

is it the best creative financing strategies

Subto lets you buy real estate without cash or good credit. As a result, you save time and money by not having to borrow money. Also, it’s a smart way to make money from deals that aren’t enticing to wholesalers, repair and flippers, or long-term investors.

Sellers can avoid foreclosure and save their credit score if they fall behind on mortgage payments.

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.

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

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:

Is Pace Morby Legit? Is Subto A Scam?

Is It A Scam

So, time for the $1,000,000 question – is Pace Morby a scam?

No, not technically. You can 100% make money with this program, though it’s not nearly as simple as they make it seem.

As with most businesses, there is A LOT of work to be done upfront & no guarantee of you being successful.

Not to mention the profit margins are typically pretty small.

Don’t get me wrong, I’m a big proponent of front-loading work now, so that you can reap the rewards later.

But if I’m gonna do that, I want the rewards to be HIGH and virtually guaranteed.

I’d rather put in that same 3 months of work (in my spare time) & build a handful of Digital Rental Properties that each produce $500-$2,000 checks every single month afterward (AKA recurring income).

And the cool part is that you can do it in a lot less time than 3-months (I personally did it in my first 2 weeks of being a Digital Landlord).

Unlike physical real estate, you can do it from anywhere in the world, so it’s a genuine “laptop-lifestyle” business.

All you need is an internet connection.

Some of my friends are Digital Landlords that run their 6-figure businesses from:

  • Camping trips at national parks
  • Beachfront in Hawaii
  • On the road in a camper van (with a pet pig!)

They focus on living an enjoyable life first, and focus on income second. All thanks to this program

They can take weeks or months off, and money keeps rolling in.

Living happily is the top priority.

If the thought of living perpetually at your dream vacation spot interests you, being a Digital Landlord might be for you!

What Is My Top Recommendation For Making Money In 2022?

Make Money With DigiStore24

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: being a Digital Landlord.

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, becoming a Digital Landlord is for you.


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?

When you’re a Digital Landlord, 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.

Being a Digital Landlord, your profit margin is nearly 100%. 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 bringing in over $3,000+/mo on auto-pilot.

It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

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 a few clicks & a phone call.

Make Money Helping Real People: When you’re a Digital Landlord, 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 Pace Morby, 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.