Pace Morby Review 2026: Is His Subto Real Estate Coaching Legit? + A Digital Alternative

In this Pace Morby review:

You learn about Pace Morby's background as a real estate investor, contractor, and TV host.
I go over his Subto coaching program on subject-to real estate deals.
You can read what people say about Pace Morby and his program on Reddit, Trustpilot, and YouTube, so you don't have to go there.
I also compare how Pace's complex, hands-on investing model compares to simpler, more scalable local SEO lead generation.

In my opinion, subject-to as taught by Pace Morby is like Federal Aviation Administration safety directives. One unexpected notice can ground a capable aircraft, mirroring a due-on-sale clause that can be enforced and force sudden refinancing despite solid cash flow. It’s like GDPR enforcement, a labyrinth of disclosures, servicing steps, insurance changes, and paperwork where a tiny compliance slip triggers headaches, audits, and costs that erase the thin spread you planned to keep.

For people interested in real estate but worried about high upfront costs, Pace Morby’s model sounds like an easier way to start investing. However, you still need motivated sellers, negotiation skills, financing knowledge, and the ability to structure the deal safely. You deal with digital "real estate" with local SEO lead generation - you work with websites and traffic.

Public Review Sentiment

Sentiment is based on public reviews, discussions, and independent analysis available at the time of publication. Percentages reflect identified positive, negative, and neutral sentiment by platform.

Reddit (60 reviews)

Mixed Negative

Positive: “Since joining Subto, I have added two additional long-term rentals. One was a subject to acquisition, one was a seller finance acquisition.”

Negative: “I have a Self Directed IRA and have invested with 2 groups of people from SubTo and have lost money on both with minimal communication.”

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Positive: “No real estate experience. I closed on my first subto in May, helped get 3 others under contract, and currently working on a wrap and a hybrid deal.”

Neutral: “Pace isn't a scam. However, a lot of the knowledge that he gives out is publicly available for free online.”

Negative: “The way that he teaches it basically ensures that you commit fraud and violate the loan agreements that you have with the lender.”

60% 40%

YouTube (15 reviews)

Mostly Negative

Negative: “The major problem with pace, is the way he advertises that you need No money, we know d*** right, that is not true.”

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Negative: “Subtoo is for people of have money and years of experience in real estate... Its high competition of wholesalers. It's not for a newbie.”

Negative: “Anyone considering shelling out thousands of dollars for Pace's classes should instead read books about real estate investing.”

Neutral: “18 months in, I'm giving my real take about Pace Morby's SubTo community, covering the good, the bad, and whether it’s worth joining.”

100%

BiggerPockets Forums (50 reviews)

Split Sentiment

Positive: “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.”

Negative: “Pace Morby shows you how to max out your credit cards and get new credit to pay the $8,800 fee he charges.”

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Positive: “The quality of people in his community is exceptional.”

Negative: “Seems like taking advantage of people to me, to line his pocket, but what do I know?”

50% 50%

Trustpilot (1464 reviews)

Mixed Credibility, Potentially Manipulated

Positive: “The community is truly a family. In all reality it appears to be a 10k course, with 8k worth of contracts.”

Negative: “After a year in this 'cult' believing I would actually make a dime, I finally decided to cut my losses and move on.”

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Negative: “I was somehow enrolled and charged nearly $3,000 through Affirm without my consent.”

Negative: “People get milked for all the time and money they have but the course doesn't deliver.”

Negative: “They were very rude... He kept trying to sell the Facebook community.”

Positive: “Well I'm 2 weeks in and have had more opportunities and teaching than any other real estate course or mentorship i had been apart of.”

Negative: “I am now out thousands of dollars for a lifetime course with no explanation of why this is happening.”

30% 70%

What Are the Pros and Cons of Pace Morby?

Pros	Cons
Pace Morby is a highly experienced, active real estate investor.	Price is extremely expensive, especially for beginners trying to get into the real estate industry,
Access to private Facebook support group with 5.4K members. Regular updated uploads of scripts, contracts, and spreadsheets. Pace uploads various documents created by his attorneys.	There is no refund policy for the program.
10-25 hours of zoom calls in a week.	Dubious reviews trying to market the course. Many legit negative reviews of the program from students.

Who Is Pace Morby?

Born in Ogden, Utah, Pace Morby, also known as the Subto Storyteller, is a real estate investor who has 14 income streams across real estate, lending, and insurance. He received wide attention through his free video training on YouTube that teaches viewers on how to invest in real estate using the subject to method. His YouTube account has millions of views, 87.1K subscribers, and over 1000 videos.

Pace took business management in Weber State University and Utah State University. Pace has a wealth of experience and has founded many successful businesses in the past:

At the age of 23 at the beginning of 2005 up to 2008, Pace was the owner of Arcadia Holdings based in Salt Lake City, Utah. This is a holding company for gas and oil manufacturing companies that made over $15 million in yearly revenues and employed over 200.
In 2011 Pace founded LifeNumber, which was a technology company that provided a uniform way to identify patients with their PHRs and EMRs. He was able to sell the company in 2012.
Pace was the founder and owner of AZ Contracting in Phoenix, Arizona, from 2011 - 2019. The company primarily bought and sold residential properties for rehabbing and flipping.
From 2016 - 2019, Pace was a franchise owner of HomeVestors. As a franchisee, he bought hard-to-sell homes paying cash to owners. He then rehabbed and sold or leased the homes.

Pace started the Subto Coaching program in late 2019. In 2021, he co-hosted the TV show Triple Digit Flip on A&E with Jamil Damji. The show is about making $100k or more using fix and flip.

Currently living in Phoenix, AZ, Pace has amassed $32M worth of properties across the United States. He built over 300 new homes with over 500 Fix and Flips, and as a general contractor with a license, conducted over 7,000 home improvements. Morby has performed over 1000 Creative Finance jobs and purchases, besides 500 wholesale assignments.

Between 2016 and 2022, Pace and Jamil spent about $600,000 on travel, lodging, and marketing to organize successful grassroots events and provide free lessons to people all around the United States.

What Do You Get With Subto Real Estate Coaching Program?

You first get a scheduled call with Subto Real Estate Coaching program. This call will gauge your experience, financial situation, and motivation. During this call, you will also be offered the membership packages and prices:

Core - $7800
The package is a 6 weeks video course that gives step-by-step processes in making contracts, managing marketing, scaling the business, and types of exit strategies. You get access to the private Facebook group and daily zoom calls with the Pace or other mentors.
Standard - $10,800
This package includes everything that comes with the Core membership plus other strategies such as Astroflipping, probate, etc., bringing the training to 11 weeks. Included is a virtual assistant for 3 months, a CRM for free, and 1 free transaction coordinator to do all your paperwork.
Mastermind - $19,000
This full package comes with everything included in the other memberships, plus a transaction coordinator for all your paperwork. You get 1 trip to Phoenix to spend 2 days with Pace Morby in person and go with him on a ride-along. In addition, this membership gives you eligibility to join any Subto Mastermind live events.

Pace has a free ebook called Subto Seller Spells. Inside the book are lines to say and tips on how to sell a subject to deal to a property seller.

The ebook is about dealing with sellers who is using the objection of needing an attorney to look over the deal or asking for too much money. It also gives you a tip on how to sell the subject to deal to the seller.

What Does Pace Morby's Subto Coaching Program Come With?

The Subto Coaching Program comes with training materials of 15 different real estate investment strategies. The focus, however, is with the subject to real estate investment strategy.

Subject to is the process where a buyer essentially assumes the seller's remaining mortgage balance without making it official with the lender. It is buying houses without having to qualify and assume the loan. You don’t need to show bank and tax records or proof of funds.

There is no official agreement between buyer and seller, meaning the buyer is not legally obligated to pay the mortgage. However, since the deed is transferred to the buyer, the house will fall into fall closure if they do not pay the mortgage.

How Do You Make Money With the Subto?

Pace teachers 7 ways to make money with Subto exit strategies:

Rent - you essentially rent out the property at an amount higher than the monthly mortgage.
Lease Option - you find an investor to agree to pay you above the monthly mortgage until they write you out and get refinanced with their lender.
Wrap-Around - You sell the mortgage, typically with a $15k - $35k down payment, to someone who can’t qualify for their own mortgage.
Sub-Tail - you basically fix and flip a property with an existing mortgage.without getting a loan by taking the seller’s mortgage for the duration needed to fix and flip the house.
SRRR (subject to purchase, rehab, rent, repeat)- works like the BRRRR method but without refinancing. No need for a hard money loan and no need to wait 6 months to refinance,
Group Home - group homes provide higher income potential.
Airbnb - turn the property into an Airbnb which has high income potential with the right location.

What Are the Advantages and Risks of Subject-To Investing?

Advantages for the buyer	Risks for the buyer
You don't have to qualify for financing. Chance of finding a low-interest mortgage rate.	You face losing your property if you don't pay the monthly mortgage in a timely fashion.
Fewer up-front and closing costs. No need to deal with banks, title companies, agents, or loan officers.	The lender/bank can call the loan due. If you cannot pay within 30 days, they can initiate foreclosure.
Since a portion of the mortgage has already been paid, you can quickly build equity in the house.	You must purchase a new insurance policy naming you or your business as the insured.

Advantages for the Seller	Risks for the Seller
A subject to real estate deal might be the best solution for sellers facing foreclosure.	As the mortgage is still under the seller's name, you will ruin their credit score if you don't pay the mortgage responsibly.
The seller will sell the property as is. Seller doesn't need to spend more time and money on repairs.	The lander/bank may enforce a due on sale clause which requires the outstanding mortgage to be paid upon sale. This will prove less profitable for the seller.
If the seller is an investor who wants to finance a new and more profitable deal, a subject to deal will help them quickly dispose of a property.
Sellers are not responsible for the closing costs in subject to deals.

Who Is the Subto Real Estate Coaching Program For?

Beginners who have little to knowledge in real estate investment who want to try subject to investments, or other strategies.
Active real estate investors who have a hard time making progress with their business and are looking for other strategies.
Experienced real estate investors who want to scale or expand their business using different investment methods.

Final Verdict: Is Pace Morby’s Subto Real Estate Investing Strategy a Legit Path to Financial Freedom?

Pace Morby’s Subto investing strategy is a legit path to financial freedom, but it may not be the ideal path for those looking for simplicity, scalability, or passive income. Subject-to investing demands constant deal sourcing and seller negotiation and careful navigation of due-on-sale clauses and paperwork, and ongoing hands-on management.

How Does Subto Real Estate Investing Compare to Local SEO Lead Generation?

In my opinion, subject-to investing as taught by Pace Morby looks like a shortcut to equity, but hidden variables like due-on-sale clauses, repair costs, and tenant issues often eat into your expected returns, while local SEO lead generation delivers value passively without tenants, mortgages, or legal entanglements.

Comparing subject-to investing to local SEO lead generation is like TSA security lines, where unexpected secondary screening, paperwork checks, and rule changes can stall your trip at any moment. It reflects the due-on-sale clauses, escrow surprises, and compliance friction of subject-to investing. It’s like Swiss Federal Railways, a system that runs to the minute after the track is laid and the schedule set. That matches ranked sites that deliver predictable calls on autopilot, no ad spend, no daily tinkering.

Why Is Local SEO Lead Generation the Better Long-Term Wealth-Building Vehicle?

Local SEO lead generation is the better long-term wealth-building vehicle because it combines high profit margins, low overhead, and scalable digital real estate you fully control. Unlike subject-to deals, you don’t need to negotiate with sellers, take over debt, or worry about legal gray areas and housing regulations. Once your site ranks, it acts like a virtual landlord that never complains, doesn’t require maintenance, and brings in recurring income for years. For those who value time freedom and asset ownership, local SEO lead gen stands far above the complexity and risk of creative real estate investing.

One of my clients is Torrance Elite Roofing, 2204 Artesia Boulevard, Torrance, California 90504, 310-634-1946, https://www.torranceeliteroofing.com/. When 4 of my leads closed for $68,656, I earned $3,432 from 5% commissions that month.

Want to escape cold calling, contracts, and closings? Build digital properties with local SEO lead generation which lets you earn while you sleep.