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December 29, 2023
Start Investing When You Don't Have All the Answers
Embracing the unknown may be the hardest thing you ever do. The first step is always the hardest; it's a leap of faith. And if you have the faith in yourself to be able to start investing, then you can start reaping the rewards of real estate through creative financing.
November 2, 2023
How to make money even when you're not working through passive income
If you're a doctor, a lawyer, an engineer or a business owner, you need to start making passive income and have your money start working for you instead of working so hard for your money.
September 28, 2023
How to increase your company and personal net worth without doing the work
The reality is that relying solely on your profession's income is NOT the best strategy for long-term wealth accumulation and financial freedom. You can easily grow your net worth and retire easier by investing in real estate.
September 8, 2023
How real estate agents can get ahead by using creative financing
Real estate agents can keep closing deals no matter the interest rates or the economy with the techniques they'll learn here and in this free eBook.
August 19, 2023
Why Real Estate Agents Need to Embrace Creative Financing to Stay at the Top
Get the unfair advantage your piers don't know about that will make you more money as a real estate agent.
August 10, 2023
The last SubTo Mastermind: What is it, and is it really worth the cost?
Come together for SubTo's last mastermind to push your real estate business forward.
July 26, 2023
What to expect of the housing market when buying a house in 2023
The housing market is going to affect every asp[etc of your life and the economy. If you can understand how to make it work for you, then you're set for success in 2023.
July 13, 2023
How To Start Investing in Real Estate: 4 Ways To Easily Make A Profit
SubTo the real estate mentorship and community can teach you how to invest without cash, without a mortgage and without any experience.
July 7, 2023
Go from Small Business To a DOMINATE Industry Leader
Creative financing can help you become a leader in any industry, even if you're a small business. It's how to build generation wealth without cash, credit or credentials.
May 5, 2023
How to comp a property for real estate investing and negotiating: Top Tier Underwriting
Let's talk about how understanding how to comp can make or break our investment in real estate and go through real estate comping 101.
April 21, 2023
What is Mastermind, what are the benefits and where can I find a real estate coach?
What is a real estate mastermind, what are the benefits of attending, and why you need to be here to be financially free.
April 6, 2023
Easy AI investment opportunities to get you started in real estate investing
Real estate investing has proven to be a safe and profitable venture for anyone who gets involved with it over the years.
February 27, 2023
Why real estate investing is better than investing in stocks
People are beginning to see real estate as a successful investment opportunity, but how does it compare to traditional investing in stocks?
February 17, 2023
How creative financing can help you save money in a recession
Creative financing can help you do both and save money right now, during a recession, or during a time of inflation.
February 3, 2023
What does Pace Morby do and how long does it take to get a return on creative financing?
I want people to break free from the traditional financing system and start building their wealth now, so they can provide for their family.
January 27, 2023
Do economists know if we're in a recession?
It doesn't matter if we're official in a recession. It's still affecting people's lives. However, there's opportunity for financial safety.
January 20, 2023
How Pace Morby grows his net worth while others lose money in a recession
My ultimate goal is to help others. By using creative financing techniques, I can do that AND grow my net worth during a recession.
January 13, 2023
What is creative financing and how does it work to find housing in 2023?
There are so many ways to win here, and sometimes that’s why people don’t get started. So, what are you options for REI in 2023?
January 4, 2023
How to Buy a Home or Any Kind of Property as an Entrepreneur
Not only are creative financing methods a viable way to attain a home, but it works on any kind of property, you just name it.
December 30, 2022
2022 was my best year for REI. Here's the proof that 2023 is going to be your best year
Higher interest rates, inflation, higher debt and less money in your pocket, the best way to build wealth is by learning creative financing.
December 23, 2022
The biggest objections you'll hear to owner financing and how to overcome them
So, you're thinking about selling your house, and you've come across the option of owner financing. It might sound like a good deal...
December 16, 2022
Is "subject to" on a house or owner financing illegal?
The question I hear most often from sellers is that they worry about what happens if they use creative financing...
December 7, 2022
Getting ahead of the real estate market before the worst crash since 2008
Subject to is a game changer at keeping you financially stable in any market, but especially the crash that's coming.
December 2, 2022
Who's real estate investing for and the why behind doing it now
If you’re not investing in real estate yet, you’re not paying attention. Real estate is one of the few assets that has only held value.
November 30, 2022
This is how to save your credit when you're in pre-foreclosure
Banks want you to know that foreclosures are your fault. But that's why I created SubTo, so you could stay ahead of the banks and save you.
November 23, 2022
What's A Better Way to Sell My Home Than a 2-1 Buydown
A 2-1 buydown means that the seller of a home helps pay the interest rate on a new mortgage. This doesn’t actually help people afford homes.
November 18, 2022
This is what you do when your bank doesn't approve your for more money
The number one problem I see right now with banks that people are running into is banks aren’t approving people for what they need.
November 16, 2022
Do sellers assume all the risk of selling their home through owner financing
You don't need to pay off to the bank first, and you won't make more through a traditional mortgage. Creative financing will make you more.
November 9, 2022
How to Qualify for the Home You Want As an Entrepreneur
If you’re self-employed and trying to buy a house, creative financing gets you the house without a mortgage or bank's approval.
November 4, 2022
Perspiration Is Always Better at Making Money Than Inspiration
When you’re waiting for someday, you’re waiting for things to fall into your lap. Do you think I’d be where I am now if I waited for things
October 28, 2022
What's the Benefit of Selling My Home Through Owner Financing
You would think I was kidding if you knew how much I want to buy your home for. Every deal I do in real estate is creative financing.
October 26, 2022
What's An Actual Good Market to Invest in During a Bad Financial Market
Stop worrying about a recession. Start investing in real estate without any money up front, cash down, credentials or credit.
October 21, 2022
The Power of a Community Drives the Successes of the Individual
If you’re thinking about getting involved in real estate investing, you need to ask yourself if the community helps each other out.
October 19, 2022
How to Get Funds For A Creative Financing Deal
Show the seller instead of a lot of interest over time, I’m willing to raise the final price of the property so they make more money overall
October 14, 2022
Your Friends Are Your Greatest Competition and Your Best Allies In Real Estate
When my team started SubTo, there were two things I knew I wanted to do differently. We created an environment that valued collaboration.
October 12, 2022
What Seems Like A Set Back to You, Is An Opportunity to Me
In SubTo, we're motivated by collaboration NOT competition.
October 7, 2022
How A Mindset Reset Can Change Your Entire Real Estate Strategy
Your actions predict your future. If you feel like you can’t do something, you hit a wall. Putting yourself in the right place brings succes
October 5, 2022
How You Can Benefit From Lending Without Any Cash in Hand
banks have consumers in such a chokehold that this type of behavior is not only considered normal, but safe. There's a better way....
September 30, 2022
What is the difference between the SubTo course and other real estate mentorships?
I don’t want to knock the other people in this industry, but I do need everyone to know there is an easier way to do real estate investing.
September 28, 2022
How Recessions Affect Housing Prices and Where to Put Your Money
The fact of the matter is that while cash is being eaten by inflation, assets hold their value better than cash in any market.
September 23, 2022
How Creative Financing Can Save Anyone Thousands of Dollars
For the average person not looking to get into real estate investing, creative financing can save you thousands. And for investors...
September 21, 2022
Become An Expert First-time Home Buyer in Less Than 100 Days
Learning creative finance is like learning a second language. But, if you learn it you can become an expert home buyer in less than 100 days
September 16, 2022
How to Buy a House In An Economic Downturn Without Money Down
There are just better, safer and more lucrative ways to get things done than buying a mortgage from a bank that gets you in a house NOW.
September 14, 2022
Stop Waiting for The Economy to Crash – Get Into A House Now!
You deserve better and so do home sellers. This is the future. Get with it or get out of the way because the SubTo crew is taking over.
September 9, 2022
How SubTo and Creative Financing Can Help A Community
Imagine a world where what you do provided for you, but is also called a blessing by the people you work with - that's what we do here.
September 7, 2022
How to Leverage a Novation Agreement in Real Estate
You may have heard the term “novation agreement” thrown around a few times in the real estate world. But what does that even mean?Though it sounds like you’re saying “no” to innovation, a novation agreement is a powerful document you can leverage when closing deals to make sure that all parties involved are happy with an agreement.A novation agreement is just another creative way to fix and flip real estate.These agreements don’t work in every circumstance, but when you find the right situation
September 2, 2022
How to Close Hundreds of Creative Financing Deals A Year
I made the same mistake you're making when getting started in creative financing, acquiring single-family properties. Here's how to do tons.
August 31, 2022
What Makes Creative Financing An Effective Way to Buy Anything
It’s just a fact that unless you have a couple full-time jobs and successful side hustles, you may never be lucky enough to get into a house
August 26, 2022
How To Use Creative Financing To Counteract Rising Interest Rates
If you’re getting homes through creative financing, rising interest rates doesn’t worry you. You can still get homes for 0% interest.
August 24, 2022
Subto or Creative Financing for The First-time Home Buyer
Creative financing is right for people who don’t qualify for a loan, don’t have credit and don’t have cash, including first-time home buyers
August 19, 2022
How Does Creative Financing Work and Where Can I Use It?
Now the thing is, there’s a better way to get the same thing you want that doesn’t involve crazy interest rates, credit checks or loans.
August 17, 2022
How to buy a home with no money down
The economy has been hard, but I keep trying to tell people that there’s a better way than struggling to save up for a home.
August 12, 2022
The First Three Steps to Take When Buying a Home

Owning a home is usually a better investment than renting, so here are the 3 steps to take to get yourself into a home.
August 10, 2022
How to make money during an economic recession
The honest truth is it’s not how hard you work, but how hard you work on the right thing. Creative financing is the smart way to make money.
August 5, 2022
What You Can Learn About Creative Financing Without Buying a Course
Breaking into the world of creative financing is possible to do without paying for a course, and I'll tell you how to do it....
August 3, 2022
An Inside View of SubTo Creative Financing for Real Estate Investing
Trying to get a house for personal use or for real estate investing can be easy - if you do it the right way.
July 29, 2022
The Perfect Way to Get Started for Everyone and Anyone
Everyone who’s wanted the opportunity to do a challenge to dig deep to find deals as a community. This is the Elephant Challenge.
July 27, 2022
How to Grow Your Net Worth in a Year With Real Estate
A tried and true way of building your wealth anywhere in the world has been in real estate. It’s a market you can get involved in right now.
July 22, 2022
Get Started With Creative Financing & Learn How to Crush Future Deals
Creative financing is made up of the Morby Method, subject to contracts
novation agreements and seller financing.
July 20, 2022
Get a Positive Return on Your Investments Even During A Recession
Who makes money in a recession? Creative financing strategies are the launchpad to keeping money in the bank and safe during a recession.
July 15, 2022
How to Buy a house in Any Market
When you learn creative financing, you have the and financial freedom to buy a house in any market, without credit, and without a mortgage.
July 13, 2022
How to Take Over A Mortgage to Buy a House
Let me say it again: YOU CAN GET A HOME FOR NOW MONEY DOWN AND LITTLE INTEREST WITHOUT A MORTGAGE, whether you want to invest or own!
July 8, 2022
Reddit for Real Estate Investing
Reddit is a powerful website that when used together with SubTo, can get you straight into the real estate investment world.
July 7, 2022
How the Pace Morby SubTo Mentorship is Like A Marriage
Your business in creative financing is like being in a marriage. See how couples in our community and changing and becoming successful.
July 1, 2022
How to get a home with no or bad credit
Getting a home seems like such a complicated process and most people don’t even know where to start. What if there were a better approach?
June 29, 2022
This is a Bad Deal in Real Estate
If you know what makes a good real estate investment, you know what makes a bad investment. Here's what to avoid when investing...
June 25, 2022
How much can you afford for a home?
Home prices are rising and you might be wondering how much home can you afford? With creative financing, you can afford a whole lot more.
June 23, 2022
What a recession means for me in the 2022 housing market
Why would you ever get into real estate the traditional way? With a possible recession on the horizon, there are better ways to invest.
June 17, 2022
Stuck Saving for a Home? Here's How to do a No Money Down Deal
The housing market is crazy right now there’s a big stir. This is how you can get your hands on a home with zero money down.
June 15, 2022
What's your avatar?
As you guys know, I didn’t start my life wanting to be a real estate investor. I got into the game when I was a contractor and had something happen to me. Now that I've discovered my avatar, I'm a successful real estate investor. Discover your avatar and gain the success you've been looking for.
June 10, 2022
3 of the Most Ideal Creative Financing Situations
I’ve always said that wholesalers and fix and flippers should expand their horizons by getting into creative financing opportunities.While I’m known as the creative finance guy, I do have businesses in wholesaling, fix and flipping, buy and holds, and others; however, I obviously do a lot of creative finance deals.And because I do so many deals, my Subto students and others will always ask what is the most ideal situation that can use creative financing. And the answer I give is usually the same
June 8, 2022
How Subto is Changing Lives: A Student Testimonial
When I started the Subto course, I wanted to motivate other real estate investors and entrepreneurs to thrive in this business.I had done all the mistakes, all of the learning, and one of the things I found was that all of these teachers and gurus and leaders actually didn’t do actual real estate and only taught at a surface level.That’s why I wanted my course and my teaching to be different and ultimately, I wanted to provide value to those just starting in real estate investing or already inve
June 6, 2022
The Pace Morby Method of Structuring Your Real Estate Investing Business
I get a lot of questions about how I’ve structured my businesses, which is great because the best thing you can do is make sure you have an actual business.Now, I do a lot of creative finance – I’m known as the creative finance guy – however that’s only a portion of my real estate business.I do just about everything when it comes to real estate, so it was important that we set up our business in the right way.Check out how I structured my business in the video below:How to Structure Your Real Es
June 2, 2022
The #1 Key to Success in Real Estate – It’s Probably Not What You Think
What do you think the #1 key to having success in real estate is?Is it a perfect sales pitch?Is it trying to trick or lie to the seller?I hope you said no to both of those because those are definitely not the ways to succeed in this business.If you’re in this business as a real estate investor – whether you’re wholesaling, fix and flipping, or doing creative financing – there truly is only one way, one key that you need to succeed.And that’s being consistent.Success in Creative Financing Real Es
May 27, 2022
What are the Top Creative Finance Misconceptions?
As more and more people start to hear and learn about creative finance real estate, there are still a lot of misconceptions that are thrown out.“Creative financing is illegal!”“You’re hurting the seller!”“It takes a lot of money to get started.”Guys, I hear these all the time and the reason they’re misconceptions is because people aren’t aware of what creative financing is, and how it can make a difference for buyers and sellers.So what are the top misconceptions that people have about creative
May 25, 2022
What are the Risks of Buying a Property Subto?
I love creative financing. I talk about it, I live it, I might even breathe it and not even know it. I love it because it opens up a lot of opportunities for people not only starting in real estate investing, but seasoned investors can use it to build up their portfolios.More than that, it also gives distressed homeowners another avenue to sell a home or even buy another one.Subject to or subto is probably one of the most beneficial ways to use creative financing, but there can be some risks inv
May 20, 2022
How to Text a Motivated Seller for Creative Financing
“Talking to sellers is terrifying!”For some of my Subto students, that statement is just a fact of being in this business and the thought of speaking to sellers is scary.Here’s the thing – talking to a seller isn’t a terrifying experience and it really shouldn’t be. The great thing with speaking to sellers is there are other ways to contact them without having to call them on the phone or physically go to their homes.You can text them.Texting a seller is a great way to learn more about their sit
May 18, 2022
This Georgia Airbnb Will Put Creative Financing on Your Mind
I love the state of Georgia.I’m not sure why – is it the beautiful landscapes? The food? The people?No idea, I just know that I find the state to be very charming and it’s one of the reasons I’m glad I ended up purchasing this property in Decatur.This four-bedroom home came to me from someone who wasn’t sure how to do a subject to deal; we ended up doing 3 subto loans on the house.That’s the amazing power of creative financing, as I was able to take a hold of this deal without having to speak to
May 13, 2022
How to Find Real Estate Foreclosures
In this business, our job is to help distressed homeowners find solutions to their problems, which in most cases, involve selling their homes.Now, there are many reasons a homeowner becomes distressed and has to sell their home – and it’s usually because of something unforeseen happening.A life event happens – death in the family, retirement, a move – and suddenly, they need to sell the house right now.In some cases, a life event is stressful enough that other things get pushed to the back burne
May 11, 2022
Why You’re Still Broke: How to Get Unstuck in Real Estate Investing
If you’re brand new to real estate investing, you’ve most likely entered into a whole new world that you’re unfamiliar with.Maybe you’ve tried doing wholesaling, maybe you’ve done fix and flipping, maybe you tried to purchase a multiplex, etcIn the end, while you may have made some money with these, you didn’t see the types of streams you’ve seen or heard about.Or maybe you didn’t make any money from these at all.But why?Why are you struggling to find deals or leads or close deals?Why are you st
May 6, 2022
How to do Wholesaling & Creative Financing Contracts
Contracts. Everyone loves doing contracts.Said no one ever.Contracts are sometimes a necessity in the business world, but the paperwork associated with it can put people off.Do you guys want to know a secret?I hardly ever prepare my own paperwork. In fact, I work with our partner companies so that I don’t have to.Most high earners in real estate investing, especially within creative financing, don’t spend their time looking at documents.It’s surprising how caught up people get into the nitty-gri
May 4, 2022
What is a Novation Agreement in Real Estate?
Pace, what in the world in a novation agreement?I actually get asked that a lot from my Subto students, usually in response after they’ve come to me with a deal they’re trying to figure out.Seeing as I talk and teach a lot about using creative financing in real estate, it shouldn’t come as a surprise that a novation agreement is exactly that –A creative way to fix and flip real estate.One of my students, Brittany – who by the way, continues to just crush it on deals – had a situation where a nov
April 29, 2022
Who is Pace Morby? The Man Behind the Creative Financing Guy Image
Many people know me as the creative financing guy or maybe even the Subto guy. You’ve probably even heard about how I seller financed my F-150 truck or even how I was able to buy my beautiful home.Outside of my real estate investing journey, a lot of people will often ask who I am.Who is Pace Morby, how do I know all the stuff I do about real estate investing, and why am I giving some of these secrets away freely?Who I AmLet’s get this started right from the get-go:My name is Pace Morby and I’m
April 27, 2022
Ultimate Guide to Private Financing: Using Other People’s Money for Real Estate Investing
When it comes to getting money for properties or even renovations, many of you know that I never – if ever – use my own money.I always rely on other people’s money (OPM) for many of my properties and renovations. And a lot of my Subto students will ask how I’m able to find lenders, especially private lenders, who are willing to give me money for real estate purchases.I’m going to give you guys the low down on: • Finding private lenders • How to pay them back • The interest involved • What ter
April 24, 2022
How to Turn Dead Leads into Deals When Sellers Want Too Much Money
The way I built my business has been using dead leads from wholesalers, realtors, and flippers and turning them into profitable deals.Guys, even my own house I bought with no money, no credit checks, and without any credentials.I’ve already talked a lot about how and why creative financing can be so beneficial to both the homeowner and us, as real estate investors.But what if you find yourself with a potential deal, but the seller is asking for way too much money?If you’re a wholesaler or a fix
April 20, 2022
What is Subto? The Creative Real Estate Investor’s Guide to More Lucrative Deals
Let’s be honest – getting into real estate investing is a challenge; more than a challenge, it’s almost designed in a way to get beginners from crossing the barrier into it.And it’s complicated.Believe me, I know. I started real estate investing after a long career in construction, where I worked long hours and was taken away from my wife and family for long hours.Like a lot of people, I wanted to find a way to make money while still being able to spend time with my family, while also doing some
April 15, 2022
Buying a Car Through Subject To
I’ve mentioned that everyone tends to think of me as the ‘creative finance’ guy because of the deals I’m able to do using creative financing.By now, you’ve probably heard about my F-150 truck that I sold using seller finance. In a nutshell, I used seller financing to sell my truck for the amount I wanted.Not only did I get the money I thought the truck was worth, but I was able to help someone out, who needed a car, without the hassle of a credit check.While I’ll use seller financing or subject
April 13, 2022
Identifying Good Opportunities for Airbnbs Using Creative Finance
I’ve said before how incredibly grateful and in awe of my Subto students.When I started Subto, I wanted to help others learn about real estate investing, but also give them lifetime access to continue to learn and be successful.What I find, time and time again, is how much I’m learning from them.I have a student named Noah Hoffman, who’s not only a great person, but someone who is just crushing it in this space, especially when it comes to Airbnbs.In fact, it was Noah who actually changed my min
April 8, 2022
How to Recognize Creative Finance Opportunities for Real Estate Deals
How do I recognize a creative finance opportunity?This is a familiar question I often get, which is funny because there are always opportunities for creative financing.But I get it – usually, deals don’t just walk up to you and say, “hello, here I am!” You’ll actually have to go out and find them.New real estate investors are literally, starting from scratch, without any relationships or partnerships created. And if you’ve never been in this space before, this can be challenging and frustrating
April 6, 2022
How to Buy a Mobile Home Park Using Creative Financing
Buying mobile home parks is amazing, especially if you can do it using creative financing options like seller finance.Considered a commercial type of investment, mobile home parks can double the amount of cash flow you would typically get if buying a single home.Why?Because instead of just one rental payment, for example, you can 4, 5, 12, 20, etc. based on the number of units on a particular lot.That’s a lot of income!One of my students, Tommy, joined my live call to talk about a deal he had lo
April 1, 2022
How to Get a Real Estate Deal in Less Than 2 Hours!
Guys, I recently did a great live video with my hot wife, Laura Morby, and our beautiful baby daughter on how to get deals.More than that, we went over – and did – a deal in less than 2 hours!A lot of people want to complain that they don’t have enough time to find deals, whether it’s because they’re in a 9 to 5 job or they’re this, that, or the other.On a live video stream, Laura and I show you how to get a deal in 2 hours or less.It’s that easy, it’s that simple.How to Get a Creative Financing
March 30, 2022
Unforgettable Weekend, Unforgettable Mastermind, and Unforgettable Value: Subto Mastermind 2022
Guys, one of the best things I look forward to during the year are the Masterminds we put on. These Masterminds bring together some of the best minds, both as speakers and as students, to share insights and info on how their business success.What is a Mastermind and Why is it Helpful?I know what you’re thinking – Pace, what is a Mastermind?For me, a Mastermind is a 3-day event that brings together experts within our industry to speak on their professional success.This isn’t just a seminar where
March 28, 2022
How to Work with Real Estate Agents for Creative Financing Deals
When people first get started as real estate investors, it’s pretty common for them to go straight to real estate agents to get their deals.Guys, this is not the way to get deals.This isn’t to say that you can’t and shouldn’t work with real estate agents; you all know that I’m married to a very hot real estate agent (my beautiful wife Laura).However, there are better ways to not only get better real estate deals, but better ways to work with real estate agents as an investor.Working with Real Es
March 25, 2022
How to Overcome F.E.A.R in Creative Financing Real Estate
I like telling the story of meeting the amazing Richard G. Allen, who has written some of the best books about real estate ever.One of the things Richard speaks about is fear, or rather FEARS, and how they stop us from doing the things we want to do in life.The way Richard describes it, FEARS is an acronym for a group of things that keep us from finding success: • F – the fear of failure • E – the fear of embarrassment • A – the fear of abandonment • R – the fear of rejection • S – the fear of s
March 23, 2022
A House AND an SUV Subto?? One Student’s Success Story Using Creative Financing
Today, I want to share a SUPER cool student success story with you!My student Shaquae Hughes and her partner Queshaun closed on an AWESOME vacation rental they had been holding for years.But that’s not all…They were even able to get an SUV using subject to creative financing!This means I don’t have to tell my subject to truck story anymore. You’ve heard it - how I was able to use seller finance to sell my Ford F-150.Now I have a BETTER story to tell - how Shaquae and Queshaun were able to pick u
March 21, 2022
How to Get Your First Subto Deal the Pace Morby Way
I’ve talked about what creative finance is, what the difference is between subject to and seller finance, as well as how sellers are able to also win when using it.And I’ve totally told you how I’ve used both seller finance and subject to get a lot of deals in my own portfolio.While that’s great and all, you might be asking, “Pace! How do I get my first subto deal?”I answered this very question:If you don’t know what subject to - or subto – is, it’s a process of buying a property. Essentially, w
March 17, 2022
Using Creative Financing to Help Sellers: 4 Reasons Homeowners Subto or Seller Finance
You guys know how much I love creative financing.I can’t say enough about it.I’m known as the ‘creative finance guy’, cause I love it so much.So, why would a seller not go through a realtor or list their house on the market list?Not only am I going to answer this question, but I’m going to give you 4 big reasons why sellers go through with creative financing, whether it be subject to, seller finance or even both.4 Reasons Sellers Sell Using Creative FinanceWhen people sell their homes, the first
March 14, 2022
How to Get into Real Estate with No Capital in 2022
One big preconception that I see, in both my Subto students and anyone who is interested in getting into real estate investing, is that you have to be a real estate agent.Real estate agents are great, don’t get me wrong; my hot wife Laura is a real estate agent.However, the entry to get into real estate investing is not getting your real estate license. In fact, getting that license is not the way to make money.If you want a job, then absolutely get your realtor license, as that is what you will
March 11, 2022
How to Find a Private Money Lender For Real Estate
In the last blog, I talked about using OPM – other people’s money – when it came to securing your subject to deals.I went over how to find hard money lenders and what they were, so in this blog, I thought I’d talk about the other type of lender – private money lenders.Many of my subto deals, I’ll use a private money lender (PML) to get the money that I need to either purchase the property or to do renovations on it.So what is a PML and more importantly, how do you find a PML?What is a Private Mo
March 11, 2022
How to Find Hard Money Lenders for Your Subject To Deals
Doing creative financing deals, especially with subject to, means you can continuously cash flow, without having to use your own money.And to do that, you need to use OPM – other people’s money.Hard Money Lenders are the best way to buy properties without having to use your own money, verify any credentials, or have someone check your banking info.But where exactly do you find other people’s money?And why are people just giving away their money to strangers?So let’s talk about hard money lenders
March 7, 2022
How to Take Over Payments on a Real Estate Deal
Once you have a Subto Deal under contract, you might be wondering how the process of taking over the payments actually works.Because I tend to get this question a lot, Cody and I discussed this in one of our recent Sunday Service live sessions.Check it out here:If you’re unsure what the difference is between seller finance and subject to, subject to (Subto) basically means that when you buy the property, you pay for the remaining loan or mortgage payments.This is something that should be consid
March 5, 2022
What is Equity for Creative Financing?
I get a lot of questions from my Subto students and others when it comes to real estate investing and of course, creative finance.And one big question I’ll sometimes get is – what is equity?Equity is one of those real estate terms that gets said over and over again, but it’s something people rarely and truly understand.Because the problem with equity is that it’s very complex and with complexity, comes a lot of misconceptions and misunderstandings.During one of my Subto student sessions, someone
March 4, 2022
How I’m Making $3K a MONTH on a Subject To Airbnb
Airbnbs are an awesome thing. They are perfect for people who don’t want to spend a fortune on a hotel or just want something cozier.They’re also a great way for owners to make a ton of passive income.But can you do an Airbnb on a subject to deal?Heck yeah, you can!Let me walk you through a deal I did that cash flows $3,000 a month on a property that I bought with none of my own money or any credentials.How to Create a Subject To Exit Strategy Using an AirbnbGuys, I actually do a fair amount of
March 1, 2022
How Sellers Win with Creative Financing Real Estate
The more I talk about creative financing, subject to, or seller finance, the more I hear a big misconception, that I’m taking advantage of the seller.Creative financing, while not new, isn’t something that a lot of people understand; this is true not only for sellers, but a lot of real estate agents as well.Guys, here’s the thing that people often miss about this…Everyone wins in creative finance. How?Check out my one-on-one conversation with one of my Subto students below:How Sellers Win in Cre
February 25, 2022
What You MUST Know about Creative Finance Tax Benefits
Does tax season stress you out, especially as a business owner?You’re not alone, trust me.We’re still a little ways ahead of April, but the start of tax season is absolutely here. And one question I always get is – “Pace, are there any types of tax benefits for creative financing?”And the answer is “Yes! Absolutely there is!”And I talked about it on REI Education Academy, which you can check out below:For a lot of wholesalers, when they make $100K or more on their sales, they’re often blindsided
February 23, 2022
Structuring a Creative Financing Entry Fee, part 2
Guys, in our last blog we talked about a big misconception when it comes to creative financing and that’s the initial entry fee.As you learned, a lot of people think the first step - which is knowing what the amount of money that the seller needs - is the entry fee, but the problem is they miss all the other parts!It’s such a big thing, I made a video about it:Let’s quickly recap the first 3 parts of structuring a creative financing entry fee:Remember it’s ALWAYS more than just how much the sell
February 21, 2022
How to Structure a Creative Financing Entry Fee
Guys, today we’re going to talk about how to structure the entry fee when doing creative financing.This is actually a big question from my students, regardless of them being brand new to real estate investing or if they’ve been in the game for a while.Figuring out the entry fee throws people for a loop.And what really throws them off their game is the fact that’s an entire scope of steps that make up the entry fee.What is an Entry Fee?I’ve taken classes, I’ve gone to seminars, and I’ve asked oth
February 18, 2022
When is a Lease Option Smart?
A few weeks back while doing Sunday Service, we had an excellent question on when to use lease options for creative financing.That question opened up an explanation to what I think are the correct phases for most students who are looking to get into creative financing.You can watch the video below, with this particular discussion starting at the 17:50 mark:When to Structure a Lease Option DealUsing a lease option is a smart move when you first start getting into creative finance and you’re looki
February 16, 2022
Can You Wholesale a Seller Finance Deal?
A few months ago on my YouTube show The Real Deal, I talked about a home that we had sent to us from a wholesaler.Twice.We ended up taking this property with a no interest loan! You can see the whole procedure in the episode:In the episode, we went through 5 different aspects of this deal:1. Acquiring the property2. Where the property came from3. How we structured the deal4. How we funded the deal5. Our exit strategyFrom the beginning, this property was going to be a bit of a challenge. Why?Beca
February 14, 2022
The Perfect No Money Down Seller Finance Deal
You know how in your favorite sitcom, they’ll do a flashback episode?Well today, I’m going to do a flashback episode for you; a creative financing flashback, if you will.This flashback is about my ALL-TIME favorite seller financed deal, a deal where I am NEVER selling the house I got.How I Got the Best Seller Finance, No Money Deal EverThis deal started with a wholesaler.This wholesaler had come to me and said, “Pace, this is a dead lead. I’d love to see you do some creative financing here.”Chal
February 11, 2022
What Are The Top 3 Reasons You Aren’t Succeeding with Real Estate Investing?
The start of a new year is often the time when we look back at what we did and start planning for the year ahead.With 2022 in full swing, I’ve been hearing from a few people about how they aren’t succeeding the way they had hoped.Guys, I’ve been in the biz for a while now and I’ve done a lot: • Over 7,000 remodeling projects • Several AirBnBs owned • Hundreds of wholesaling projects • Hundreds of creative financing dealsAnd through all of that, I’ve come to discover that there are ONLY 3 reasons
February 9, 2022
How to Cash Flow Subto Deals: My Interview with Real Estate Disruptors’ Steve Trang
If you haven’t heard of Steve Trang, you’re missing out.Steve has one of the nation’s leading real estate podcasts – Real Estate Disruptors - where he interviews a bunch of professional investors about current trends in the industry and what’s working for them right now.I am very fortunate to not only know Steve, but to be friends with him as well.Steve is on a personal mission to create 100 millionaires and I know he’ll absolutely be successful in doing that.Why?Because I was the first person t
February 3, 2022
See How Creative Finance Worked for This Subject To Property!
As you guys know, I’m often referred to as the subto guy, but what exactly does that mean?In essence, I’m able to buy all of my properties through creative finance means and in a lot of cases, through the use of subject to.That means I don’t use any of my credit, I don’t utilize my own money, I don’t have to pull or turn over my credit reports, and I’m able to close escrow and become the owner.Watch this video on how I was able to use a subto strategy to get this property in Chandler:I was able
January 31, 2022
How I Got 300 Doors with 100% Creative Financing
A big perk in my business is being able to meet with people and hang out with others in the business or anyone who’s interested in creative financing.I recently sat down with Dave and Brandon from the Bigger Pockets Podcast and had an awesome time, as I do every time I get to talk to these guys.You can check out the episode below:We talked about a huge range of subjects, including: • How I got started as a contractor before jumping into real estate investing. If I can do it, YOU can do it! • The
January 28, 2022
Why Build Community with Creative Finance Investors?
How do you build community within real estate investment?Real estate is a complex industry, with a lot of moving parts, and a lot jargon to know and understand. For a lot of real estate investors, they’re often doing deals by themselves; this means finding the leads, the wholesalers, the fix and flippers, and other investors.Something my team and I absolutely believe in is collaboration over competition.That means working with other investors, other wholesalers, other fix and flippers – basicall
January 26, 2022
Watch a LIVE Subject To, Seller Finance, and Creative Financing Seller Calls!
One of the benefits for our Subto students is the ability to hear and be a part of actual seller calls, where I call sellers and help my team and students on how to talk to sellers and close deals.I’ve done a few of these calls, so students can not only see how I talk to sellers, but can ask questions about their own deals they might be struggling with.Every call is different, because every deal is different, and every homeowner’s situation is different.During this live stream, I called a number
January 24, 2022
How to Convert Home Sellers on Creative Finance
One of the big questions I always get from my Subto students is how to convert sellers on creative terms, especially seller finance.Overcoming seller objections, whether it be over price or their lack of knowledge on subject to, subject to mortgage, or seller finance is the final hurdle to getting them to convert.When it comes to speaking with and converting sellers, there’s a few different ways you can get them to open their minds when it comes to creative terms.Seller Conversion on Creative Fi
January 17, 2022
Why Wait Till 65 to Retire? Do it Now!
Most people wait until they’re 65 to retire. And I get it.Way back in the day, I used to be a contractor and I had my own construction business. I was also breaking my back every single day.I was working terrible hours and I was missing out on time with my family, my wife, and my kids.Now?Now, I’m still busy, but I’m doing something I love, I’m meeting new and wonderful people, and best of all, I get to spend time with my wife and kids.Using Real Estate for Retirement My question to you is - why
January 14, 2022
5 Ways to Find a Sub To Property
If you’ve followed me on Instagram or Facebook or you’re part of my creative finance Facebook group, then you know that I love talking about subject to.Why do I love talking about subject to?Because with subject to, you can accumulate massive amounts of wealth and a ton of cash flow. And a question I get asked frequently is how do I find subject to deals.I talked about this on the first episode of the Hot Top, which you can watch below:How to Find Subject To Deals1. Text Messages Yes, you read t
January 12, 2022
Get Your Creative Financing Mailbox Money!
What if you could invest in real estate properties using creative financing solutions and make money at the same time?I do. And so can you.In my Subto courses, I teach students how to use these same strategies and techniques so that they can build and sustain a career that is profitable.That’s how we’re making our mailbox money.What is Mailbox Money Using Creative Financing?What the heck is mailbox money?For me, it’s the alert I get on my phone that tells me I have a recent deposit from a proper
January 10, 2022
Full Breakdown of a Real Estate Transaction - The Real Deal!
On the very first episode of my video series, the Real Deal with Pace Morby, I discuss a real cash flowing subject to deal.I do a video walkthrough of the house that’s in the middle of renovation, which for this specific house, we’re future-proofing for the next 20 years of technology.Check it out below:To give an idea of how this came out, this particular house came as part of a wholesale referral from our good friend Doug Hopkins.Doug told us that this particular seller was trying to get out o
January 7, 2022
Subject To vs Seller Finance: What’s the Difference?
The number one question that I get everyday, on many of my social channels and even from my students is - what is the difference between subject to and seller finance?The answer boils down to this - debt versus no debt.Subject To Mortgage vs Seller Finance PropertiesWhen it comes to creative finance in real estate, there’s two popular opportunities for purchasing houses - subject to and seller finance.In subject to, I purchase a house by taking ownership of the property. This means that I take o
January 5, 2022
Learn How to Land Creative Financing Real Estate Leads
Do you agree that the number 1 barrier for entry into real estate is the cost of leads and the cost of marketing?What if I told you that we’ve gotten a number of deals using a zero dollar, free lead source?I’ve tripled my cash flow utilizing this free lead source and we’ve created a case study that explains how.How to Turn Wholesaling Dead Leads into Creative Financing DealsI’ve built my entire business on turning wholesaling dead leads into profitable deals; I even used this type of real estate
January 4, 2022
How to Overcome Seller Objections
When it comes to being a subject 2 real estate investor, one of the major hurdles that my students encounter is seller objections.It’s such a common experience, I wrote a book to help people overcome these objections.But how?How do you overcome seller objections?I’ve talked to a lot of sellers, with some open to subject to or creative finance and some who don’t understand what that means.The key is to understand what the objections are and how to go about overcoming them.Common Seller Objections
December 31, 2021
Is Subject To Legit?
I get a lot of questions from my students, especially in our Facebook group, when it comes to subject to or creative finance. One question I do see a lot is if there is an official sale in a sub to transaction.For anyone who doesn’t know what subject to is or what seller finance is, it’s basically under the umbrella of creative finance. Creative finance is a way to purchase property without credit, licenses, or cash. So what do I mean by that?Here’s an example - let’s say that I find a house and
December 30, 2021
Buying a House Subject To From a Real Seller Conversation
Creative finance in real estate is one of the greatest ways to build up real estate assets.A lot of people think they need cash or credit or a company or licenses in order to buy houses, but you actually don’t.I did a 26 hour live event where I went from 3am on a Sunday morning all the way until 5am on the following day, Monday. And in those 26 hours, I called sellers for six hours straight.One of my favorite calls that I did was with Olaf the snowman. No, not the snowman, just the man. I bought
December 28, 2021
What is Creative Finance
You probably hear me talk about creative finance all the time on my Instagram or in my YouTube videos. And the phrase ‘creative finance’ is thrown out all the time. You might even go to seminars about real estate and you hear creative finance, creative finance, creative finance thrown around like it’s the easiest thing in the entire world to understand.But for a lot of people, it’s really not.So I want to answer the question of what is creative finance.This is what it is - if I’m going to buy