Pace Morby

Last updated: March 11, 2025

Who is Pace Morby?

Pace Morby is a well-known real estate investor, entrepreneur, and educator specializing in creative financing strategies, particularly subject-to (Subto) and seller financing. He has built a strong personal brand in the real estate investment space by teaching investors how to acquire properties without using their own credit or large amounts of cash.

What he's known for

• Subto (Subject-To) Investing – Acquiring properties by taking over the existing mortgage payments without officially assuming the loan.
• Seller Financing – Structuring deals where the seller acts as the bank, allowing investors to purchase properties with flexible financing terms.
• Real Estate Coaching & Education – Runs the Subto Community, a mentorship program teaching investors creative financing strategies.
• Social Media & Marketing – He has a strong presence on YouTube, Instagram, and TikTok, sharing real estate tips, case studies, and mindset advice.
• TV & Podcasting – Former co-host of A&E’s Triple Digit Flip and a frequent guest on podcasts about real estate investing.
• Partnerships & Networking – Known for collaborating with influencers like Brent Daniels (TTP), Jamil Damji (wholesale expert), and Cody Sperber (Clever Investor).

Pace promotes debt-free investing methods that don’t rely on bank financing. He shares detailed case studies on how to structure creative finance deals, and he engages masterfully with his audience via live Q&A sessions, meetups, and mentorship programs.

Why investors follow him

Investors follow Pace Morby because of the allure of investing in real estate without using your own capital. The vast majority of people attracted to Pace Morby are beginners, those with limited capital, people looking to make a career change by scaling their income quickly, and people looking to develop a side hustle as creative finance real estate investors.

Pace Morby Net Worth

We estimate Pace Morby's net worth to be in the hundreds of millions of dollars. Here are some of his income streams:

• Selling courses (thousands of dollars per student)
• Portfolio of seller financed rental properties
• Portfolio of subto rental properties
• Wholesale transactions

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Creative Financing Techniques

Pace Morby's creative financing techniques include:

Subto

"Subject-to" (Subto) is a creative real estate investing strategy where a buyer takes over the existing mortgage payments of a property without formally assuming the loan or requiring a new mortgage. In a Subto deal, the property’s title is transferred to the buyer, but the original mortgage remains in the seller’s name. The buyer makes payments directly to the lender on the seller’s behalf, leveraging the seller’s financing terms—often at lower interest rates than current market rates—without needing to qualify for a new loan or use significant personal capital.

This method, popularized by figures like Pace Morby, is particularly appealing in high-interest-rate environments or for investors with limited cash or credit. Sellers typically agree to subto deals when they’re motivated to exit a property quickly—due to financial distress, relocation, or an inability to sell conventionally—while buyers benefit from immediate ownership and potential cash flow from renting or flipping the property.

The process involves finding distressed sellers, negotiating terms, and ensuring legal compliance, often with a real estate attorney or title company to draft agreements protecting all parties. Risks include the “due-on-sale” clause, where lenders could demand full repayment if they detect the transfer, though this is rarely enforced. Buyers must also diligently manage payments to avoid damaging the seller’s credit.

Subto’s advantages include low upfront costs, access to favorable loan terms, and flexibility for scaling a portfolio. However, it requires thorough due diligence—verifying loan details, property condition, and seller credibility. Morby’s Subto community emphasizes education, networking, and ethical deal-making, teaching investors to structure win-win scenarios. Subto remains a niche but growing strategy, fueled by economic shifts and a demand for alternative financing in real estate.

**Seller Financing

Seller financing is a real estate transaction method where the seller acts as the lender, allowing the buyer to purchase the property by making payments directly to them over time instead of securing a traditional bank mortgage.

The buyer and seller agree on terms—interest rate, repayment schedule, and loan duration—typically formalized in a promissory note, with the property deed transferring to the buyer while the seller retains a lien until the loan is paid off. This approach is often used when buyers struggle to qualify for conventional loans due to credit issues or when properties don’t meet bank lending criteria.

Pace Morby is a leading proponent of seller financing which benefits sellers by providing passive income, potentially higher returns than a cash sale, and tax advantages through installment payments. Buyers gain access to property ownership with less upfront cash and more flexible terms than institutional loans. It’s especially useful in markets with high interest rates or for unique properties.

Risks include buyer default, leaving the seller to reclaim the property, and the need for careful legal documentation to ensure enforceability. Due diligence — verifying property title and structuring clear contracts — is critical. Seller financing continues to be a powerful tool in creative real estate investing, offering a win-win for motivated sellers and resourceful buyers seeking alternative paths to ownership.

Gator Method

The Gator Method is a real estate investing strategy developed by Pace Morby, blending creative financing techniques like "subject-to" (Subto) and seller financing with a focus on aggressive deal acquisition and portfolio growth. Named after the alligator’s relentless pursuit of prey, the method emphasizes taking on deals others overlook—properties with existing loans or motivated sellers—then leveraging those assets to generate cash flow or profits through rentals, flips, or refinancing.

In practice, the Gator Method involves identifying distressed sellers or undervalued properties, negotiating terms that allow the investor to assume payments (Subto) or secure seller financing, and minimizing personal capital investment. The "gator" mindset means biting into deals with speed and tenacity, often using the property’s equity or income potential to fund further acquisitions. Morby teaches stacking these deals to create a self-sustaining portfolio, where one property’s revenue feeds the next purchase.

Key steps include sourcing leads (e.g., through driving for dollars or marketing), structuring agreements that benefit both parties, and managing risks like due-on-sale clauses or payment defaults. Legal oversight ensures compliance and protects against pitfalls. The method shines in volatile markets with shifting interest rates, it appeals to investors seeking flexibility and low or no capital requriements.

The Gator Method’s strength lies in its scalability and low-entry barrier, though it demands hustle, negotiation skills, and financial acumen. Morby’s Subto community champions it as a blueprint for building wealth without traditional banking, embodying his high-energy, opportunistic approach to real estate.

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