Pace Morby: Subto Review (Scam Or Legit)?

Today, we’re going to take a look at Pace Morby’s Subto online coaching program. Can this also work for you? Find out in this Subto review.

Any financial advisor or financial guru knows, that one should start investing as early as they can. Simply put, we can’t just work forever. Having an investment will greatly help secure your future once you stop working.

When it comes to investments, most people will usually think of two things. To invest in either stocks or cryptocurrency.

However, these same financial advisors will always say, that real estate will always be one of your best investments. And for the most part, I personally agree, due to several reasons.

However, not everyone can easily afford to invest in their own real estate. Simply because the most profitable real estate locations today, are oftentimes the most expensive.

Thus, most people usually apply for some sort of loan first to be able to buy their own real estate. But the Subto coaching program claims that it can teach a method that lets you acquire real estate properties, without needing to apply for one.

It does sound interesting. But are those claims legitimate?

Before you join this program, make sure to read this Subto review first. So that you can judge for yourself if this is the business method that you’ll want to do, or not.

Note that this is a fully independent Subto review. I’m now affiliated with Subto, or its creator, in any way or form whatsoever.

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Subto Review: What Is Subto?

As the official website says, Subto is a real estate education program and community focused on creative financing strategies that provide training and mentorship to real estate investors across America.

The program is named “Subto”, because it’s short for “Subject To”. Subject To is a method by which one can invest in a piece of real estate, without having to apply for a new loan.


How do you achieve this? Simple. By letting you take over the previous owner’s mortgage loan. Basically, the real estate title is transferred to the investor, and in return, the investor agrees to pay the remaining mortgage loan on the previous owner’s behalf.
This is also in addition to any additional fees that the previous owner might impose at closing, in case the remaining mortgage loan is fewer than the determined market price of the real estate.
Thus, this investment method creates a win-win situation for both the buyer and the seller.
  • For the seller, they can avoid a catastrophic hit on their credit score for late payments. Since if a real estate owner is several months behind their mortgage loan payments, they may be hit by foreclosure, which results in a hit for their credit score and credit report. And believe me, fixing your credit score can be very expensive.
  • For the buyer, doing this method will let them invest in real property without the costs and hassle of applying for a new mortgage loan. This is great if you have a previous bad credit score, or you simply don’t want to risk your current high credit report standings.

Aside from teaching the business method, the Subto program also teaches you various things that complement this business method. Such as cold-calling, a list of interested sellers, etc.

The Founder Of The Subto Program

The Subto training program is conceived by Pace Morby.

Subto - Pace Morby

He doesn’t really reveal his personal life much to the general public. All that is known about him is that he’s been in the real estate business for more than 10 years now.

As per the info on YouTube channel, he has done 7,000 renovations, built 150+ houses, has also 150 wholesale deals, and has amassed over 32 million dollars worth of buy-and-hold investments.

From those sales figures, it’s clear that he does know quite a lot about real estate investments. But is he someone you can trust to teach you about it? It’s up to you.

Keep in mind that he doesn’t really have any proper real estate credentials, should it be needed. However, I don’t think it’s really necessary for someone to qualify for being a financial guru like this. Unless one’s really picky, or just avoiding scams.

As mentioned before, he also has a YouTube channel, who has around 24.5k subscribers. here, he occasionally publishes reviews that talk about various topics related to real estate, selling, etc.

What Can You Get With Subto?

Subto contains a variety of training materials that aim to train on how you can invest in a real estate property subject to.

What you can expect here are the usual inclusions that you can get from an online training course. Like several training videos that have a timeframe of several weeks, access to a private Facebook group, scripts and templates, plus personal and group coaching.

The higher subscription tiers also offer access to an even that’s hosted by the creator of the course itself.

Here’s a quick breakdown of what you can get when you join the Subto program.

Training Video Courses

The core of this program is a series of training videos that has a rough equivalent of six weeks’ worth of training time.

Aside from teaching how the “Subject To” business method works, you’ll be taught a variety of subjects that are useful to learn for this business method. Such as marketing, how to cold-call a potential lead, making a contract, exit strategies, joint venture programs, and even how to scale your business, among others.

The higher subscription tiers also include additional topics that bring the total training time to around 11 weeks. One of the topics included talks about “astroflipping” of real estate, outsourcing your business by hiring virtual assistants, etc.

And to further assist you in your marketing, you’ll also be provided with various documents, templates, and scripts for common tasks.

Group Access & Coaching

In addition to the training videos, you’ll also be given access to a private Facebook group, made up of your fellow members.

Most of the existing members of this community claim that they’re a friendly bunch, and all of them are quite accommodating with any questions you may have. It’s not really mentioned how active the course owner is, though. But most say, he is.

You’ll also get daily live coaching sessions via Zoom. These are usually hosted by either Pace Morby himself, or other senior coaches.

Event Access

Finally, you’ll also be eligible to join special live events whenever they’re held.

Here, you’ll get to see and listen to Pace Morby himself in person, as he personally gives a seminar about various topics in real estate.

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How Much Does The Subto Program Cost?

There are three levels that you can avail of when you want to join the Subto training program. The difference in each of the levels is the number of inclusions in the program.

Note that all of them are considered one-time payments.

  • Core ($7,800) – The core program. Contains the main training video course, access to the private Facebook group, and daily Zoom coaching sessions.
  • Standard ($10,800) – Includes everything from the Core program. Additions include topics that cover flipping real estate, and how to deal with probate. Finally, you’ll also be given access to your own virtual assistant for certain tasks, your customer relations management, and your own transaction coordinator to do your needed paperwork.
  • Mastermind ($19,000) – Includes everything from the Standard program, plus gives you access to attend any Subto events and a chance to meet Pace Morby in person.

Is The Subto Training Program Worth It?

To determine for yourself if this investment model is good for you, let’s look at the advantages and disadvantages of this model, as well as the course itself.

Subto Review: Advantages

When buying your own real estate property, usually you’ll need to apply for a mortgage loan (unless you’re extremely rich and you can afford to pay the property in one go). And as we all know, applying for a mortgage loan can be quite taxing on your time and money.

Not to mention, if you have a slightly bad credit score, you may not be eligible to apply for it at all.

Buying a property subject to its existing mortgage greatly relieves you of that hassle. Since you’re only taking over an existing mortgage loan of the previous owner, you don’t need to sign up for a new one.

Thus, you can still invest in a real estate property even if your credit score is ineligible for it. It’s also helpful if you don’t want to risk your own credit report standings.

It’s also helpful for the real estate seller because they can potentially avoid foreclosure. This is very important, especially if they’re trying to keep their credit score high, despite the fact that they’re not able to pay off their mortgage loans for quite some time now.

Basically, Subto creates a situation that is beneficial for both the investor and the property seller.

Subto Review: Disadvantages

The biggest disadvantage of this for the investor is, for the most part, full control.

While the property in question is technically owned by the investor now after closing the deal, the mortgage loan is still under the name of the previous owner.

It may not be such a big deal for the investor normally, but there’s still a slight risk. Since the right to “call the note due” is in the hands of the original owner.

And when the original owner decides to call that, the investor will then be forced to pay the entire loan immediately. If they don’t the original owner can initiate a foreclosure, thus making the current investor lose their property.

Fortunately, not many lenders call it. As long as the new owner pays their loans in time, there shouldn’t be a problem. However, it can still pose a slight risk.

Also, when you’re going to start this business method, you’re going to have to engage in plenty of cold-calling. Some people can be okay with this, but most people may not be able to handle this.

If you’re someone who doesn’t have a good sales background, or you simply don’t like talking to random individuals asking them to sell their house, then this business may not be for you.

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About The Subto Training Program Itself

As for the Subto training program itself, I’ve seen several comments about this program. All of them only have good things to say about this, and the mentor.

Therefore, we can safely say that this, and Pace Morby itself, is a legit mentor. He knows about the subject that he’s teaching on this program, and he can “walk his talk”.

In short, Pace Morby isn’t a scam.

My only negative comment about is, is the price. For the business model that they teach, it’s actually very expensive.

Honestly, you can get the same amount of training about this investment method from free sources if you look well enough. And while this training program is intended for beginners of this model, the irony is that most beginners may not be able to afford this initially.

Is Real Estate For Everyone?

Real Estate

In this section of the KinSubto review, I’ll be revealing to you why I don’t think real estate can work for everyone.

Buying and selling real estate isn’t really a piece of cake. You can’t just decide to pursue a career in real estate on the spur of the moment. Making judgments about a real estate-related business is a serious matter.

If you want to succeed in real estate, you need capital. If you do not have capital, then I suggest looking for another business to get into. Properties are not cheap at all.

It only gets a bit worse right now since we’re currently in a pandemic situation. Most people right now aren’t able to think about buying a new home or a new location to settle in for whatever purpose. Obviously, the first thing they’re going to think about right now is buying their necessities.

Real estate may experience a boost in sales once the pandemic is truly over, yes. But it’ll be only in very specific areas.

In short, if you want to make plenty of money in real estate, you’re going to have to do a lot of hard work especially today.

Subto Review: Final Verdict

As I close this Subto review, I’m going to give my personal judgement on this one.

The Subto training program is a good program by itself. Here, you can learn an additional investment tool that can help increase your real estate portfolio.

The only reason that I’m not really recommending this is because, the method is somewhat risky. But unless you’re able to consistently pay your loans in time, this won’t be a problem.

Another reason why I’m not really recommending this training program is, investing in real estate is not as straightforward as you may believe. It will take a great deal of time, effort, money, and talent. You aren’t simply purchasing a home and doing whatever you want with it.

Your main objective is to make a sale. That is to say, what you are doing should be appealing to others.

Some people have attempted to work in real estate, but basic knowledge isn’t enough most of the time. You’ll need a team to help you with different areas of the business because you can’t possibly do everything on your own.

To succeed in this competitive industry, you must be dedicated. You must devote both time and money to learning the ropes, since being a novice will cost you a lot of money.

But don’t lose hope just yet. I’m also here to offer a good business opportunity that can potentially rival real estate investments on earnings, while still being easier to learn, and to do.

If you’re interested, continue reading on this Subto review.

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