Pace Morby Course Review (2024 Update): Is His Subto Course The Best?

Welcome to my Subto Review. My goal is to help you understand what the program is all about, how much it costs, if it's a good use of your time, your money, and much more! It should be less than 10 minutes start to finish, so let's dive in!

Pace Morby - Real Estate Investors

Hey you! Welcome to my Pace Morby reviews!

My bet is you’ve stumbled into this review because:

  • You’re curious about Pace Morby’s unique real estate investment strategy.
  • You’ve been through a bunch of real estate courses, and you’re looking for one that shakes the real estate industry.
  • There’s talk of a “Pace Morby scam,” and you want the inside scoop.

We’ll take the next 10 minutes to sift through the jargon of real estate investing and see if the Pace Morby course called SubTo is something you want to get into.

I’ll aim to answer the most common questions like:

How does this course stand out in the jungle of real estate courses?

Will it transform you from a real estate bystander to a superstar?

Does it really clear up the confusing parts of SubTo deals and creative financing strategies?

Ready? Let’s dive in!


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

Training Curriculum





Pace Morby’s course introduces you to the world of subject-to (SubTo) real estate investing. While the community aspect of the program is a plus, offering a space for learners to connect and share experiences, the course tends to skim the surface rather than look closely into the complexities of this niche real estate business.

The Good Stuff

  • Joining the course gives access to an active community of like-minded people. This means you can get hands-on info about most of the stuff from the course.
  • Pace Morby updates the course content regularly. This makes sure you receive up-to-date information in a market that changes day to day.
  • The course includes custom contract templates. This makes the paperwork processes somewhat simpler, making you less prone to making errors.

The Bad Stuff

  • The course might push you to buy more advanced and costly upgrades. This pressure to spend more can be tough, especially if you're on a tight budget.
  • There's no promise that you'll have success and earn anything with this program. Investing your time and money here comes with the risk that it might not pay off.
  • The subject-to real estate deals covered in the course are full of complicated legal stuff. For someone just starting out or without much legal knowledge, this can be pretty overwhelming.

Firstly, Why Am I Writing The Review?

Nice to meet you, my name is Brittney!

My story starts like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job.

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the program that the review is about!

I have absolutely no relationship with J Rich, 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 this business model.

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


TLDR – What’s The Verdict On This Pace Morby Review?

TLDR - What's The Verdict?

So, what’s the deal with Pace Morby’s course? Is it worth your time and money and do I recommend it?

The answer is not exactly black and white.

First off, real estate investing is a long haul. Don’t expect quick cash.

It takes time to see returns, and you’ve got to be ready to handle everything from choosing the right properties to dealing with difficult sellers. And if you’re managing properties yourself, forget about vacations for a while!

Since in SubTo, you’re often dealing with residential properties, rent control laws can limit how much you can charge for rent, which can mess with your income plans.

On the other hand, taking on someone else’s mortgage is not always a cakewalk.

It usually requires a bigger upfront investment.

Starting with the down payment through closing and holding costs, you might need to shell out upwards of 20 grand.

So, when you tally it all up, turns out you just gave your investment money to Pace since that’s the asking price of his course, bells and whistles included.

I am not saying the course itself is terrible and that Pace is a scammer. It’s a good starting point and getting to chat and learn with other people in the community is always a plus.

Also, you’re getting advice from a guy who’s made 7 million dollars doing it. He must know a thing or two.

However, the entry fee of $8,800 for this is a tough sell for me and I can’t recommend it to anyone.

The mentorship is there, but it’s more like a gentle nudge than a full-on guide so you’ll mostly be relying on the community for help.

While success stories are floating around, I honestly think they’re more of an exception than the rule.

I should also mention the skepticism around some of these ‘success stories.’

Some of them seem to be coming from fresh accounts that haven’t done much other than singing praises about the course, Pace Morby, and the whole SubTo culture.

So, here’s my take: the course is good for a basic intro, and you do get to join a community of people with similar interests.

But, for the money, it doesn’t go as deep as you’d need for something as tricky as ‘subject to’ deals.

If you’re looking for a more straightforward, less risky way to generate income online, you might want to check out Digital Leasing.

It’s a more structured and manageable approach to building an online business.

Reddit“Pace isn’t a scam. However, a lot of the knowledge that he gives out is publicly available for free online.”Read more here
Trustpilot“I signed up about 4 days ago. 100% of the content is already on Youtube very basic content on the “course””Read more here
BBB“SubTo isn’t just a passive community; it’s a place for active engagement.”Read more here

Who Benefits From The Course Course & Who Doesn’t

Who Does It Benefit and Who It Doesn't

In the world of real estate investment strategies, Pace Morby’s course stands out—but not always for all the right reasons.

Let’s see who might like this course and who should look elsewhere.

This course might be for you if:

  1. You’re comfortable with high-risk real estate deals and you’ve got a good chunk of cash to play with. The “subject-to” real estate strategy that Pace talks about often needs more cash upfront than the usual real estate methods.
  2. You’re someone who really knows their way around the real estate market and its ups and downs. Unless you are an active real estate investor, “Subject-to” investing can get pretty complex both legally and financially.
  3. You’re into trying out different and creative ways of financing real estate. The course gets into some out-of-the-box methods for investing in property.

You might want to stay away if:

  1. You’re not an experienced real estate investor. The complexity and risks of “subject-to” investing are not beginner-friendly.
  2. Ethics are important to you. Dealing with ‘subject-to’ investments often involves sensitive situations, like potential foreclosures.
  3. You’re looking for a course that holds your hand through the process. This program has been called out for not offering much in the way of personalized support.

Pace Morby Reviews: A 1,000 Ft View Of SubTo Business

1,000 FT View - Real Estate Investors

In this section, we’ll zoom in on some of the major points of the SubTo training program, the price and refund policy, and the man himself — Pace Morby.

  • Who’s Pace Morby?
  • SubTo Investing 101: What’s it all about?
  • What’s The Price?
  • Can You Get a Refund?

Who’s Pace Morby?

Pace Morby

Pace Morby is a big name in the real estate industry.

He basically invented ‘subject-to’ investing, where investors take over mortgage payments to gain control over a property.

Before getting into real estate, he studied business management and even co-founded Dixon Golf, a company known for producing eco-friendly golf balls and golf equipment.

In 2019, Pace launched It’s a platform where he teaches real estate investing, focusing on creative ways to buy properties, particularly by taking over the monthly mortgage payment of a property from the current owner without formally assuming the loan.

His wife, Laura Morby, is also part of the real estate scene as a licensed agent. Together, they make a pretty solid team.

SubTo Investing 101: What’s it all about?

Sub-To investing is like taking over a lease on a car; you drive and pay for it, but someone else made the first agreement.

Basically, you buy a property and agree to take over the existing mortgage payments. You don’t need to show bank and tax records or proof of funds. There is no official agreement between you and the seller, meaning you’re not legally obligated to pay the mortgage.

This method can be quicker and sometimes cheaper than getting a new loan, and should technically benefit both the seller and the buyer — but it’s not without risks.

If you mess up the payments, not only could you lose the property, but you also risk damaging the original owner’s credit.

Plus, if the bank finds out, they might demand all the money back at once – it’s called the ‘due on sale’ clause.

That can be a massive financial hit.

You could also face financial and legal issues, like taking on hidden debts or legal problems. Having some vague contracts with the seller doesn’t actually protect you from a lot of risk that goes with SubTo investing.

I don’t know about you, but all this doesn’t build confidence in me.

Morby tries to teach how to avoid these risks, but whether his methods work in all types of market conditions and whether they’ll pull YOU out of a rut is a big question.

The course talks about being careful and managing risks, but you really need to know a lot to make these deals work. Real estate markets change often, and ‘subject to’ can be hit hard by these changes.

What’s The Price?

When you’re sizing up this ‘subject to’ course, you should consider the price tag.

The core Subto course, which includes video training, tools, and access to a private Facebook support group, is priced at $8,800.

It’s safe to say this isn’t small change, and you’re probably wondering if it’s worth the investment.

If you’re looking to go further down the rabbit hole, Pace offers an advanced program.

Who would have thought, right?

Now it’s not just the SubTo essentials, but also info about AstroFlipping (basically real estate wholesale flipping)

You also get a virtual assistant for three months and a CRM system – if you can spit out another $10,800, that is.

For those wanting the full package, Pace also offers live events and masterminds.

These range from $10,000 to $19,000.

Now, these are serious numbers. You have to ask yourself a couple of things:

Can you realistically recoup these costs through your real estate investments?

Will the knowledge and networks you gain turn into profitable deals and if so, why isn’t EVERYBODY doing it?

Not that earning with real estate or any other business for that matter is impossible but that’s a lot of money for a “maybe”.

Can You Get A Refund?

Pace Morby’s course has a refund policy and here’s the deal with it:

If you dive in and then decide it’s not your cup of tea, you have 30 days to ask for your money back.

But, and this is a big but, it’s not just a simple ‘ask and you receive’ kind of deal.

To qualify for a refund, you must show that you’ve really given the course a fair shot. This means completing specific parts of the course, attending calls or webinars, and basically proving that you’ve put in the effort but still aren’t satisfied.

I say this is fair provided that they don’t make you jump through all kinds of hoops on your way to proving them you’ve been a good student. (change to student)

Now, what do people of the internet say about this?

It’s a mix, to be honest.

Some of them say they got their refund without much hassle.

Others say that it was a bit of a struggle.

So yes, there’s a refund policy, but getting your money back might require a bit of effort on your part. It’s not just a ‘click and refund’ scenario.

Make sure you’re aware of that before you commit your hard-earned cash.

If you don’t want to play tug-of-war with Pace Morby over your cash, you should give Digital Leasing a whirl. It’s a simpler way to make money with local lead generation, and you won’t have to stress about refunds!

My Thoughts on Pace Morby’s Course: Is It Worth the Hefty Price Tag?

My Personal Opinion: Scam or Legit?

When it comes to Pace Morby’s real estate course, my gut feeling is a big red flag.

Don’t get me wrong, I’m not against shelling out a good chunk of money for developing a skill, especially if it’s gonna make you money in the long run.

But I’m not so sure about this one.

First off, you’re looking at a whopping $8,800 just to get your foot in the door.

Once you’re in, you’re hit with upsells left and right. We’re talking potentially more than double the initial price, and this is before considering the cash you need to invest in properties and paying for other expenses.

Besides that, there’s absolutely no guarantee of success.

Investing in real estate, especially through the ‘subject to’ model, is like walking a tightrope. It’s risky, complex, and not for the faint of heart. You could very well end up pouring money into a bottomless pit without seeing any return on your investment.

The real estate market is unpredictable and volatile. You’ve got to contend with low-profit margins and a serious lack of control.

One minute the market’s booming, the next, it could crash, leaving you with investments that are worth less than what you paid for them.

So, are the course and the mentorship program worth the risk and the hefty price tag?

In my opinion, it’s a hard pass.

The potential for high expenses, coupled with the volatile nature of real estate and the uncertainties of ‘subject to’ investing, make it a risky venture, especially for those not prepared to navigate such choppy waters.

Remember, in real estate, like in any high-stakes game, you need to weigh the risks carefully before jumping in. Keep your eyes peeled and always have a backup plan.

What’s Inside The Course

What's Inside The Program?

The course, priced at $8,800 (with an advanced version at $10,800), offers a comprehensive look into ‘subject to’ real estate.

Here’s a closer examination of what’s included in the course:

Introduction to SubTo

what's inside the program

This initial module provides a foundational understanding of ‘subject to’ investing, essential for newcomers to grasp the basics.

Finding Deals

Pace guides learners through the process of identifying potential ‘subject to’ properties. This module is focused on teaching specific strategies for locating suitable investment opportunities and tips on how to close a real estate deal.

Negotiating Deals

A critical skill in real estate, this section covers the nuances of negotiation. Here, you gain insight into settling agreements that benefit both the investor and the seller.

Financing and Legalities

Addressing one of the more complex aspects of real estate investing, this module delves into the financial and legal frameworks of ‘subject to’ deals. Pace tries to simplify these often complicated topics for better understanding.

Managing Properties

Beyond acquisition, effective property management is key. This part of the course provides essential knowledge and techniques for handling the day-to-day responsibilities of property ownership.

Scaling Your Business

For those interested in expanding their portfolio, this module offers strategies for growth and increasing income streams.

Mastermind Access

Included in the advanced program, this feature provides access to a community of active real estate investors for knowledge sharing and networking.


The advanced course comes with additional benefits, including a three-month virtual assistant service and a CRM tool, aiding in the efficient management of the investment business.

All things considered, Pace Morby’s Subto course offers a detailed and structured approach to ‘subject to’ real estate investing. It’s packed with stuff you need to know for this type of investing. But whether it will work out for you or not really depends on what you’re aiming to do with your cash and how much of it you’ve got to play with.

Conclusion: Cutting Through the Pace Morby Scam Noise

So what’s the bottom line of the Pace Morby mentorship program?

First up, the good stuff: the course does offer structured training and insights into the ‘subject to’ real estate model. Pace himself is an experienced real estate investor, and his teachings reflect his hands-on knowledge.

However, the course comes with significant drawbacks.

The hefty price tag of $8,800, with no clear or easy refund policy, is a major concern.

The ‘subject to’ real estate model itself carries inherent risks and complexities, which may not suit you at all if you are a beginner.

There’s also the question of market volatility and the unpredictability of returns on investment, making it a risky venture if you’re not fully committed or financially prepared.

Taking all this into account, it might be wise to look elsewhere to make money online.

So, thinking about alternatives? Digital leasing might be your ticket. It’s like the chill cousin of SubTo real estate investing. Less money up front, more control, and a smoother ride to making cash online.

What Is My Top Recommendation In Making Money Online In 2024?

Digital Leasing - GGM

Our review team has spent years researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Leasing is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.

2) You Own & Control EVERYTHING: In SubTo investing, you’re taking over existing mortgages, which means you’re bound by the terms and conditions already set by someone else’s loan agreement. This means you have to follow the rules and payments they already set up, which doesn’t give you much control. Digital Leasing gives you full ownership over every single asset, which means you have all the power and all the control.

3) Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

4) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

With SubTo Investing, it’s a whole different ball game. SubTo isn’t just about repeating the same steps. Each deal you do is different, with its own set of problems and things to figure out. It takes a lot of time and work to deal with each new property and the people selling them. You can’t expect the same smooth ride every time.

5) Make Money Helping Real People: This part is what makes it all worth it. With Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.

Now, the choice is yours.

You could continue browsing, looking at opportunities like SubTo Investing which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!