Pacemorby

Subject-to investing means buying a property while leaving the seller's existing mortgage in place — the new owner takes over payments without qualifying for a new bank loan. Pace Morby built his entire brand around this strategy because it lets people acquire real estate without needing a credit score, W-2 income, or traditional bank approval. He argues it's one of the most accessible entry points into real estate for people who would otherwise be locked out by conventional lending.

SubTo is the real estate investing community Pace Morby founded, built entirely around creative finance strategies like subject-to deals and seller financing. It has grown to over 25,000 members across more than two dozen countries. Members access education, deal support, and a network aimed at helping them close real estate transactions without relying on banks or traditional credentials.

Wealth Without Cash is Pace Morby's book laying out how to invest in real estate using creative financing methods that don't require savings, good credit, or bank loans. It covers the same subject-to and seller-finance strategies he teaches across his YouTube channel and inside the SubTo community. He references it consistently as the foundational framework behind his entire investing philosophy.

Yes — Pace Morby appeared on Triple Digit Flip, which aired on A&E. He references the show in his TikTok bio alongside his book and SubTo community as one of his main public-facing credentials. The show brought additional visibility to his creative finance approach for audiences who discovered him outside of social media.

Pace Morby structures purchases directly with sellers using subject-to and seller-financing arrangements instead of going through a bank, which removes the need for a down payment from traditional savings. In some deals he demonstrates that he received cash at closing rather than spending money out of pocket — a concept he calls getting paid to buy. This is the core premise of both his content and his book Wealth Without Cash.

RV parks appear regularly in Pace Morby's content because they represent an unconventional real estate asset class that can generate serious income even when they look rough — he's posted about one run-down park producing around $800,000 a year. He uses them to illustrate that the right deal structure matters far more than curb appeal, and that creative finance strategies apply well beyond single-family homes. For his audience, they serve as proof that overlooked assets can outperform prettier, more competitive investments.

Laura Morby is Pace Morby's wife; the two have been together for over fifteen years and have four children together. Pace references his family openly in his YouTube bio and throughout his content as the personal motivation behind his work helping others reach financial freedom. She is a consistent presence in his story of building wealth through creative real estate strategies.

Pace Morby uses the four-properties framework as a concrete, approachable benchmark for replacing a job income with cash-flowing rental properties. The idea is that most people overcomplicate financial independence when a small, well-structured portfolio can cover living expenses without requiring a massive empire. It's a recurring theme in his content designed to make real estate investing feel achievable for beginners rather than reserved for wealthy investors.

Pace Morby has partnered with Relay, a business banking platform, for sponsored content on his YouTube channel. The partnership aligns naturally with his audience of aspiring real estate investors and entrepreneurs who need business banking tools separate from personal finances. It's one of the few brand deals he's taken on publicly, keeping his content closely tied to the financial world he teaches in.

Pace Morby is active on YouTube, TikTok, and Instagram, with YouTube serving as his primary platform where he posts most frequently and drives his highest engagement. His YouTube channel carries the bulk of his long-form real estate education, while TikTok and Instagram extend shorter clips and community updates to a broader audience. Across all platforms combined, his total following is well over two million people.