Pace Morby Reddit: What SubTo Buyers and Skeptics Are Saying
If you search “Pace Morby Reddit” or “SubTo Reddit,” you’re looking for one thing.
The stuff they don’t say on the sales call.
Smart move. Sales pages are written by the seller. Forums are written by people who already paid.
So I went through the main Reddit and BiggerPockets threads about Pace Morby and SubTo, plus the Trustpilot reviews. Here’s the roundup, paraphrased and linked so you can read every word yourself.
The short version: Reddit is split. Outside the SubTo bubble, most people are skeptical about the value for the price. Inside it, members mostly defend it.
And almost nobody on either side talks about the part that keeps me up at night.
Why Most Real Estate Courses Suck
What does Reddit say about SubTo?
Here are the threads that come up most, in plain English.
“SubTo buyers, chime in” (r/realestateinvesting)
In this r/realestateinvesting thread, someone asked people who’d bought SubTo to share their experience.
The replies lean mostly negative on value for the price. The common thread is that people don’t feel the cost matches what they got out of it.
This is a general investing subreddit, not a fan club, so it’s a decent gut check.
“SubTo is not worth the cost” (r/SubToPaceMorby)
Then there’s this thread in r/SubToPaceMorby, where a post argues SubTo isn’t worth the money.
The replies mostly defend SubTo.
Now, to be fair about it: this subreddit skews pro-member. It’s a community built around the program. Asking it whether SubTo is worth it is a little like asking a Costco membership forum whether bulk toilet paper is a good idea. You’ll get a passionate yes.
That doesn’t make the defenders wrong. It just means you should weigh it.
“SubTo offer” (r/RealEstate)
This one’s my favorite, because it’s from the other side of the table.
In this r/RealEstate thread, homeowners warn each other against accepting subject-to offers.
That matters. Every subject-to deal needs a seller willing to leave their mortgage in their own name while someone else holds the deed. If the sellers are reading Reddit too, that’s a tougher conversation than the YouTube clips make it look.
“How do you feel about Pace Morby content?” (r/WholesaleRealestate)
This r/WholesaleRealestate thread is a general discussion about his videos and content rather than a verdict on SubTo. Useful if you want the vibe check, less useful if you want a yes or no.
What does BiggerPockets say about Pace Morby?
BiggerPockets is where a lot of real estate investors hang out, and it’s a little more grown-up than Reddit. Fewer memes. Same strong opinions.
“Is the Pace Morby SubTo program worth $10,000?”
This BiggerPockets thread asks the question everyone’s thinking. It drew 51 replies, and they’re mixed.
Mixed is about the most BiggerPockets outcome possible. Fifty-one investors, no consensus. It’s an HOA meeting with better spreadsheets.
For the record, the official checkout price is $9,800, or four payments of $2,450. Breakdown on the SubTo cost page.
“Pace Morby SubTo and Gator review”
In this BiggerPockets thread, one poster says nothing Pace sells is worth the price.
That’s one person’s opinion, and a harsh one. But it’s worth knowing that view exists, especially if you’re thinking about stacking programs.
The Gator threads
Gator Method gets its own debates on BiggerPockets. A 2023 post reportedly put the course at about $3,000, and in another thread most replies are skeptical. I cover it properly in my Gator Method review.
What do Trustpilot reviews say?
Trustpilot is a different crowd. More members, fewer skeptics.
- subto.com: 4.9 stars from 1,201 reviews
- pacemorby.com: 4.9 stars from 540 reviews
That’s a very strong score, and I’m not going to pretend otherwise.
But the 1–2 star reviews keep hitting the same notes (paraphrased):
- The cost isn’t worth it
- Aggressive sales follow-up by call, text and email
- Slow or missing support
- Trouble getting refunds
- Weak onboarding
- Community members who haven’t done deals themselves
- A few mentions of lost money
One pacemorby.com reviewer kept it short: “Sales team is ridiculous.” Another, on subto.com: “If I could give negative stars I would.”
How to read guru threads without losing your mind
A few rules I use, after years of reading these at 1am:
- Check where the thread lives. A program’s own subreddit will lean friendly. A general investing forum will lean grumpy. Neither is the whole truth.
- Look for patterns, not paragraphs. One furious post is a bad day. The same complaint in ten places is a signal.
- Separate “it was expensive” from “it didn’t work.” Those are different problems.
- Ignore anything without a link or a source. Especially the dramatic stuff.
The pattern I noticed
Put all of it together and here’s what I see.
People argue about value. Is it worth ten grand? Was the support good? Did the community help?
Almost nobody argues about the strategy’s built-in risk. And that’s the part that sticks around long after the course is over.
With subject-to, the mortgage stays in the seller’s name. That loan very likely has a due-on-sale clause, and federal law lets the lender enforce it. A sale to an investor isn’t one of the exemptions. Subject-to is still legal. The lender just may call the loan.
Even SubTo’s own how it works page says “No money down doesn’t mean no money” and lists that risk.
So you can love the community, nail the onboarding, and still be one letter from a bank away from a bad month. More in the due-on-sale clause, explained and subject-to risks.
I’m not a lawyer, and this isn’t legal advice. Talk to a real estate attorney in your state before you sign anything.
So is Reddit right about Pace Morby?
Partly.
The skeptics are right that $9,800 is a lot, and that SubTo’s own earnings disclaimer says the results it shows “are not typical.”
The defenders are right that it’s a real community with real coaches, and plenty of people are happy.
Where I land: it’s legit, it’s expensive, and the risk is real. Full verdict in my SubTo review, and if you’re shopping around, I listed cheaper routes in SubTo alternatives.
What I’d do instead
Reading forums at midnight trying to figure out if a $9,800 program will work for you is a rough way to spend a Tuesday. I’ve done it. More than once.
What finally clicked for me was owning real estate that doesn’t need a seller, a lender or a tenant. A website that ranks on Google and gets rented to a local business that wants the calls.
You found this page on Google. That’s the proof. I’ll show you the rest in the video.
Q&A
- Q: What does Reddit think of Pace Morby?
- A: It's split. Threads in general real estate subreddits lean skeptical on value for the price. The SubTo-focused subreddit leans supportive. Both are worth reading.
- Q: Is the SubTo subreddit biased?
- A: It skews pro-member, which makes sense, since a lot of the people there joined. Read it, but weigh it like a team's own fan forum.
- Q: Is SubTo worth $10,000 according to BiggerPockets?
- A: A BiggerPockets thread asking exactly that drew 51 replies, and they're mixed. No clear verdict either way. The real price is $9,800, per the checkout page.
- Q: What do Trustpilot reviewers complain about?
- A: Mostly cost, pushy sales follow-up, slow support, refund trouble and weak onboarding. The overall score is still 4.9 from 1,201 reviews.
- Q: Do homeowners on Reddit like subject-to offers?
- A: In one r/RealEstate thread, homeowners warn each other against accepting them. That's the seller's side of the subject-to risks story.
- Q: Does Reddit say Pace Morby is a scam?
- A: Some commenters are harsh about value. But a forum opinion isn't proof of anything, and the record I could check shows a real company. Here's what I could verify.
- Q: Should I trust Reddit over Trustpilot?
- A: Neither, alone. Reddit is loud, Trustpilot is curated by whoever bothers to review. Read both like you'd read Yelp reviews for a taco truck: look for patterns, ignore the poets.
- Q: How many Reddit threads did you read before writing this?
- A: Enough to start dreaming in upvotes. I only linked the ones I could stand behind.
- Q: So what would you do instead of SubTo?
- A: The thing that got you here. A website answered your question on Google, and websites like that can be rented to local businesses that want the calls. Watch this video and thank me later.