Comprehensive education platform teaching subject-to and creative financing techniques led by real estate investor Pace Morby for building wealth without traditional bank loans.
About SubTo
SubTo is a comprehensive real estate education platform founded by Pace Morby, specializing in creative financing strategies that enable investors to acquire properties without traditional bank financing. The platform focuses primarily on subject-to transactions, where investors take over existing mortgage payments, along with other creative deal structuring techniques including seller financing, wraps, and novations.
The SubTo community and course system provides investors with step-by-step training on identifying opportunities, negotiating with sellers, structuring deals legally and ethically, and building a sustainable real estate portfolio using creative finance methods. Pace Morby brings years of hands-on investing experience and has helped thousands of students complete their first creative finance deals.
Beyond the core curriculum, SubTo offers ongoing support through community forums, live coaching calls, deal analysis sessions, and access to contracts and legal documents. The platform caters to both beginners looking to complete their first deal and experienced investors seeking to scale their creative finance operations.
Key Features
Subject-To Transaction Training
Comprehensive education on structuring subject-to deals where you take over existing mortgage payments, including how to find motivated sellers, present the solution ethically, and navigate the due diligence process to protect both parties.
Creative Finance Strategies
Learn multiple creative financing techniques beyond subject-to, including seller financing, master lease options, wraps, novations, and hybrid structures that allow you to acquire properties with little to no money down.
Deal Structuring & Legal Documents
Access to proven contracts, agreements, and legal documents necessary for creative finance transactions, along with training on how to structure deals that protect your interests while providing solutions for sellers.
Live Coaching & Community Support
Regular live coaching calls with Pace Morby and experienced investors, plus access to an active community of creative finance practitioners who share deals, provide feedback, and offer support throughout your investing journey.
Sales & Negotiation Framework
Proven scripts and negotiation frameworks for having difficult money conversations with sellers, addressing their concerns about creative finance, and positioning subject-to as the ideal solution for their situation.
Deal Analysis Tools
Training on analyzing creative finance opportunities, calculating returns, evaluating risk factors, and determining whether a subject-to or alternative creative strategy makes sense for specific properties and seller situations.
Quick Specs
| Category | Education |
|---|---|
| Best For | Real estate investors seeking creative financing alternatives |
| Starting Price | Contact for pricing |
| Free Trial | Free introductory resources available |