Pace Morby Course Review (2024 Update): Is His Mentorship Worth The Cost?

Updated On: March 5, 2024

Welcome to my Pace Morby review. My goal is to answer common questions like: how much it costs, if it's a scam, and if you can actually make money with it. The end goal is to help you understand if it's a good fit for you personally, and if there are any better alternatives out there.

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


Hello, welcome to my Pace Morby course review.

There’s a decent chance that you may have stumbled upon this course through one of the following ways:

  1. You were looking for a way to make a consistent stream of passive income that can provide financial security and independence through real estate investing.
  2. You were looking for a way to your level up your real estate portfolio.
  3. You heard about the program elsewhere and decided it’s an excellent opportunity to get into real estate.

Whatever your reasons, you really have to cover every base before signing up for the Subto course. This review will hopefully do that for you.

I’ll spend the next few minutes breaking down the Pace Morby program and answering important questions.

I hope by the end of this review, you get to have a better understanding of:

  • Whether Pace Morby’s mentorship is worth the cost
  • Who Pace Morby is
  • What the Subto Coaching Program entails
  • And the icing on the cake: other real estate investment program alternatives!

What makes Center For Work Life your one-stop shop for all things Pace Morby? First, I’ve been knee-deep in the game, studying programs like these for years, which means I can tell them apart like a jeweler differentiates between a flawless diamond and a dud.

Second, I’ve made money from them, so I know what works and what doesn’t.

Rather than sift through hundreds of reviews, why not spend 5 minutes checking out mine?

Let’s dive right into the pros and cons section without further ado.

Table of Contents

Program At A Glance

Training Curriculum

While the Subto curriculum is comprehensive, most of the information provided can be found for free elsewhere. For Pace Morby’s mentorship, you get access to Zoom calls every week, where he answers questions and addresses any concerns students may have. This program also has a private Facebook group where students can interact with each other and show how the strategies taught have worked for them.

What I liked
Pace Morby has a wealth of experience in the real estate sector, which means he teaches the strategies he's used to amass his real estate wealth. He's proven they do work.
The course has an interactive private Facebook group community, which means you can expect to learn more by interacting with students who have had success with Pace Morby's strategies.
The Subto program offers several course packages to investors depending on your experience, which means there's something for everyone regardless of your experience in real estate.
What I Didn’t Like
The course prices are too expensive, and there's no refund policy, meaning you'll need to put in the work to make your investment count.
Real estate is oversaturated, which means there's no guarantee of a huge profit margin even if you do make a sale.
The creative finance strategies taught in its program come with huge risks, which means there's a good possibility of losing money while buying property.

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 using the Digital Rental Method.

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 using the Digital Rental Method.

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.

TLDR – What’s The Verdict

Subto Program

For those of you who just want a quick, to-the-point response on whether Pace Morby’s mentorship is worth the cost – my answer is maybe, but don’t take out your credit card just yet.

Let me explain!

First, it’s not because the course is horrible; it’s because the price and profit margin outcome are like night and day. What you pay vs your ROI are two different things.

Second, it’s no secret that the real estate industry is lucrative. In fact, it has been the foundation for generational wealth for centuries, and that isn’t about to change.

According to the latest statistics, the value of the real estate market in the United States is estimated to reach $113.60tn by the end of 2023, with an annual growth rate of 4.7% compared to previous years.

While that growth is tremendous, making money from it isn’t easy, mainly due to the finances needed to invest in the first place.

Pace Morby’s course -Subto- teaches how to acquire and hold property – without taking out any loans – by using a method known as creative financing.

Despite the potential upside of this program, there’s no denying that the creative strategies he teaches, which you’ll find out later on, come with plenty of downsides.

One major downside of this program is the ton of work you need to do upfront. While there’s nothing wrong with front-loading the work and getting money later, it isn’t worth it if the profits are small.

There’s also the risk of completely losing out on your investment due to market fluctuations. Why sign up for something that will require you to put in all your effort and time for a little profit?

Does that mean there aren’t any real estate programs out there with better material? Yes, actually. My recommendation is Digital Rental Method. It takes the benefits of real estate investment and removes many of the barriers like:

  • Debt
  • Dealing with upkeep and repairs
  • Dealing with tenants
  • Low cash flow on your properties

Think of the Digital Rental Method like purchasing a vacant lot in a thriving online neighborhood. In this scenario, you invest in the digital space and increase its value through content creation and engagement, instead of physical structures. The growth of this digital property occurs naturally and doesn’t require your physical presence.

The outcome is more return on your investment with minimal effort, which is a complete 180 to traditional real estate.

In traditional real estate, you invest in a physical property, deal with inspections, maintenance, location complexities, and manage it actively. However, the returns often do not reflect the efforts you put in.

If you are looking for a program that offers more value, click here to check it out!

To learn more about Pace Morby’s program, read on!

Who Benefits From The Program

As I’ve said earlier, I’m all for real estate investment as a means of earning passive income. After all, the stats are there to prove the industry is definitely profitable.

But that doesn’t mean that you should dive right into Pace Morby’s mentorship head first without considering if this program benefits you. So, who is this course for, and who isn’t it for?

If you fit in the criteria below, this program might be for you:

  • If you want to step into the real estate investment market but don’t know where to start. Subto strategies in the Pace Morby mentorship program enable you to invest in real estate without investing huge amounts of capital.
  • Active real estate investors making progress in their investment with their business and want a different approach.
  • If you’re an experienced real estate investor looking to scale up your investment portfolio by using strategies that don’t need capital.

Who is this course not for:

  • Anyone looking for an in-depth real estate program. According to this Reddit thread, most of the users claimed that the program had lots of material you could find online. Also, according to this Reddit user, the volume of content was too much, and most contained 90% fluff.
  • Anyone looking to make a passive income without putting in the work. To succeed in real estate, you must invest your time and money in learning the ropes of the industry.
Area Score Description
Time Investment 3.5/ 5 Most students often see a return on investment in six months to a year. But that depends on the program level you are at.
Level of Control 4/5 You have complete control of your business. But you need to put in lots of groundwork to make reasonable sales.
Ease of Implementation 3/5 Its easy to implement the creative finance strategy, but there are plenty of risks involved.
Profit Potential 1.5/5 You aren’t always guaranteed a profit potential due to the oversaturation in the real estate industry

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?

Subto 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 Scam

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

Pace Morby Reviews on Trust Pilot

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

Inside Subto

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.

Read Our In Depth Breakdown Of The Top 5 Real EstateOpp Courses For 2024

Did Pace Morby Make The List?

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 2024?

make money online with digital landlord

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.


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 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: 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.



I make over $20,000/MO thanks to this platform... check it out below!