Who Is Pace Morby? Net Worth, Wife, Age and the Part Nobody Mentions

By Mike Calloway · Last Updated: November 12, 2026 (Price & Content Verified)

Pace Morby is the guy from the A&E show who says you can buy houses without cash or credit.

He’s also the founder of SubTo, the author of a BiggerPockets book, and, according to his own website, the owner of “20+ active businesses.”

That’s a lot of plates to spin before lunch.

If you searched his name, you probably want three things. What’s he worth? Who’s he married to? How old is he?

I’ll answer all three. Two of the answers are “nobody knows,” which is honestly the funniest part.

But there’s a fourth question nobody puts in the YouTube thumbnail. It’s the one that actually touches your bank account.

I’m Mike. I’ve owned rentals, done flips, and bought more real estate courses than I’d admit at Thanksgiving. I’m not affiliated with Pace, SubTo or A&E.

Who is Pace Morby?

Short, fair answer: Pace Morby is a real estate investor, TV host and course seller who teaches creative finance, mostly subject-to and seller financing, through a paid community called SubTo.

He’s real. He does deals. Subject-to is a legal strategy.

None of that is the problem. Keep going.

Why Most Real Estate Courses Suck

From contractor to HomeVestors to SubTo

Here’s the origin story A&E published in his 2021 cast bio.

He started as a general contractor. Then he became a HomeVestors franchisee. Then, per the bio, “he and his partner have since amassed over 32 million dollars in buy and hold properties.”

After that, he took the path every modern real estate personality takes. TV, YouTube, a book, a paid community.

• TV: co-host of A&E’s Triple Digit Flip with Jamil Damji. More in is Triple Digit Flip real?
• Book: Wealth Without Cash, from BiggerPockets Publishing. Here’s my Wealth Without Cash review.
• Community: SubTo, which its homepage calls “A PEER COMMUNITY FOR CREATIVE FINANCE.”
• Side programs: the Gator Method and Top Tier TC.
• Free stuff: a Facebook group called “Creative Finance with Pace Morby.”

His website sums it up in all caps: “TV HOST. AUTHOR. INVESTOR. ENTREPRENEUR. SPEAKER.”

That’s five jobs. I struggle to keep one sourdough starter alive.

What does Pace Morby sell?

Pace calls the SubTo price a “filtering fee” that weeds out people who aren’t serious.

It also filters about $9,800 out of your checking account. The full breakdown is on my SubTo cost and refund policy page.

What is Pace Morby’s net worth?

Nobody knows. Not me, and definitely not the websites that slap a number next to his photo.

There’s no reputable published figure. The net-worth sites are guessing, so I won’t.

What I can show you is the numbers Pace and his publishers have put out themselves. So get this:

That’s $32 million to $450 million, depending on which page you land on.

It’s like asking three uncles at a cookout how big the fish was.

To be fair, numbers grow. A portfolio can get a lot bigger in five years, and the three sources aren’t measuring exactly the same thing.

But look at what they’re measuring. Properties. Assets acquired.

Not net worth.

Why “acquired” and “worth” are different words

Say you buy a $400,000 house subject-to a $380,000 mortgage. (My made-up numbers, not his.)

You just “acquired” $400,000 of real estate.

Your net worth went up by roughly the price of a used Honda. And that $380,000 loan? Still sitting in the seller’s name.

That’s not a knock on Pace. It’s just how subject-to math works, and it’s why “acquired $450M” and “worth $450M” are very different sentences.

So my official Pace Morby net worth estimate: more than mine, less than the biggest number on his website, and none of my business.

Who is Pace Morby’s wife?

Pace Morby’s wife is Laura Morby.

Per her A&E cast bio, she’s a real estate agent and a cast member on Triple Digit Flip. The bio claims she did over $7 million in combined sales in 2021.

Her YouTube “About” says she’s a mother of four.

So she sells houses and raises four kids. Respect. I can’t sell a treadmill on Facebook Marketplace.

That’s all I’ll say about the family. This page is about the business, and the business is where the questions belong.

How old is Pace Morby?

I looked. A lot.

His website doesn’t say. A&E doesn’t say. The book page doesn’t say. I couldn’t find a birth year or a hometown in any source I’d trust.

The sites that print an age are the same ones guessing his net worth. I’m not adding a third guess to the internet.

Here’s what I know for sure: he’s old enough to have run a contracting business, a HomeVestors franchise and a TV show. Let’s leave it there.

Is Pace Morby legit?

Yes, in the way that matters most. He’s a real investor who does real deals with a real, legal strategy.

A few more points in his favor:

• SubTo’s homepage lists 10 coaches, each with a deal-count band like “26–50 deals.”
• pacemorby.com has 4.9 stars from 540 reviews on Trustpilot.
• SubTo’s own site admits “No money down doesn’t mean no money” and lists earnest money, closing costs and due-on-sale risk.

That last one is more honesty than I expected from a sales page.

The legal record is also quieter than the internet makes it sound. A CourtListener search on November 12, 2026 found no federal dockets with “Pace Morby” or “SubTo” as a party name.

The one case I found, Bristow v. NRE 1, LLC, was a TCPA case about unwanted telemarketing calls or texts, against SubTo’s operating entities. Pace wasn’t a named defendant. It was settled and dismissed with prejudice on July 25, 2024.

More detail in is SubTo legit?

But “legit” and “a good idea for you” are two different questions.

The part nobody puts in the thumbnail

Pace’s site says he acquired real estate “without cash, credit or previous credentials of his own through creative financing.”

Here’s how that works with subject-to. The seller’s mortgage stays in the seller’s name. You take the deed and make the payments.

Which means:

• You’re paying a stranger’s loan. In a stranger’s name.
• That loan almost certainly has a due-on-sale clause. Under federal law, the lender may call the whole balance due when the house is sold, and a sale to an unrelated investor isn’t one of the exemptions.
• If they call it, you need to refinance at today’s rates, pay it off, or sell. Quickly.
• You’re still the landlord. Roof, tenants, taxes, and the 2am water heater.

Subject-to is legal. Due-on-sale is a contract risk, not a crime. But it’s your risk, not Pace’s. He already did his deals.

I’m not a lawyer, and this isn’t legal advice. Talk to a real estate attorney in your state before you sign anything.

The full list is in subject-to risks nobody mentions.

Should you learn from Pace Morby?

If creative finance genuinely excites you, he’s one of the most visible people teaching it. And his book costs $26.99. Start there. I mean that.

Before you pay $9,800 for SubTo, ask yourself three things:

1. Do I want to own houses with someone else’s mortgage attached?
2. Do I want to spend my evenings calling distressed sellers?
3. Do I want to be the one who gets the water heater call?

If you said yes three times, go read my full Pace Morby review before you apply.

If you got to the end of that list and felt tired, there’s another kind of real estate.

No mortgage. No tenant. No seller. No title company.

It’s a website that ranks on Google and gets rented to a local business that wants the phone calls.

You found this page on Google. That’s the proof.

My take on Pace Morby

Pace is a real investor with a real track record and a huge audience.

He’s also very good at marketing, which might be why the number in his bio keeps getting bigger every time someone prints it.

I don’t hold that against him. I hold the $9,800 and the stranger’s mortgage against the strategy.

What I'd Do Instead of SubTo