SubTo Cost: The $9,800 Price, the Refund Policy and the Fine Print

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

Here’s the funny thing about SubTo’s cost.

The pitch is buying houses without your own money.

And the price of admission is $9,800.

That’s the official SubTo cost on its own checkout page, or four payments of $2,450 if you’d rather spread out the pain like a Costco run on a credit card.

Is it worth it? That depends on what you get, what you give up, and what the fine print says when it doesn’t work out. And I read the fine print, so you don’t have to.

But first, the part that should make you sit up: SubTo’s own website lists costs on top of that $9,800.

Why Most Real Estate Courses Suck

How much does SubTo cost in 2026?

The official checkout page at buy.subto.com, titled “SubTo Accelerator,” lists two options. Here they are, plus the older tiers other sites have reported.

The checkout page also has a “Talk To Someone” link for other financing.

The Executive and Master numbers are what realestatebees.com reportedly found. They’re not the current official prices. If a sales rep quotes you something different, get it in writing.

Why isn’t the price on the homepage?

Because joining starts with an application, not a cart.

You fill out a form on subto.com, and the price shows up later in the process. The homepage even says “No countdown timers,” which is true. There’s just also no price tag.

Why does SubTo cost so much?

Pace has an answer for this. In his YouTube Short “How much does SubTo cost?” he calls the price a “filtering fee.” The idea is that a high price weeds out people who aren’t serious.

I get the logic. Nobody wanders into a $9,800 room by accident.

But here’s the thing. A filter that costs $9,800 doesn’t only filter out people who aren’t serious. It also filters out people who are serious and don’t have $9,800. And it lets through anyone with a high credit limit and a strong feeling.

Does SubTo give refunds?

Short answer: the checkout terms make refunds very hard. Here’s what the terms of service actually say.

“All sales are deemed final”

The exact line: “All sales are deemed final except as provided in Section 6.”

So naturally I went to Section 6.

Section 6 is the messaging policy. It has nothing to do with refunds.

So the one exception to “all sales final” points at a section that doesn’t contain an exception. It’s like a sign that says “Exit, see other door,” and the other door is a broom closet.

The only refund clause is for hard goods

The only refund language in the terms covers hard goods, like books. You need to send a written request within 30 days and return the item.

So if you buy a physical book, you have a refund path. The $9,800 community isn’t a book.

Cancelling a subscription

Monthly subscriptions need 10 days’ notice by email to cancel. No prorating. No refunds.

Set a calendar reminder. Then set another one.

The refund page returned a 404

SubTo’s site footer links to a “Refund Policy.” When I clicked it on November 12, 2026, it returned a 404. No working page.

Maybe it’s a broken link. Maybe it’ll be fixed tomorrow. But today, if you go looking for the refund policy, you get the internet’s version of a shrug.

What happens if you have a dispute with SubTo?

This part matters more than people think.

The terms say disputes go to mandatory confidential arbitration through the AAA, in Maricopa County, Arizona. Not a courtroom. A private process.

There’s also:

• A class-action waiver, so you can’t team up with other unhappy buyers
• A one-year deadline to bring a claim
• A liability cap of the greater of 3× your prior month’s payments or $2,000

Lots of companies use arbitration clauses. That alone doesn’t make SubTo shady. But you should know you’re agreeing to it before you pay, not after.

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

What are SubTo’s hidden costs?

This is the part that surprised me most, because SubTo says it first.

On its how it works page, SubTo writes: “No money down doesn’t mean no money.”

Then it lists what you’ll still pay for:

• Earnest money to lock up deals
• Entity setup, like forming an LLC
• Closing costs
• And the risk that a lender calls the due-on-sale clause

Credit where it’s due. That’s more honest than most programs in this space.

But think about what it means. The $9,800 is the cover charge. The drinks are extra.

The big hidden cost: the loan can be called

With subject-to, the seller’s mortgage stays in the seller’s name. That loan very likely has a due-on-sale clause, and federal law (the Garn-St Germain Act) lets lenders enforce it. A sale to an unrelated investor isn’t one of the listed exemptions.

That’s not a crime. Subject-to is legal. The lender may call the loan. If it does, you either pay off the balance or refinance at today’s rates.

That’s the cost nobody can put a number on in advance. Run your own numbers on the subject-to risks page, and read the due-on-sale clause explainer for the law itself.

What does SubTo’s earnings disclaimer say?

SubTo’s earnings disclaimer is blunt. It says the results it shows “are not typical.”

And it says this, which I think should be printed on every guru checkout page in America: “The average person who buys ‘how to’ information gets little to no results.”

That’s their sentence. Not mine.

So when you’re doing the math on whether $9,800 pays for itself, the company’s own legal page is telling you not to assume it will.

Show Me Real Estate Without a Mortgage

Is SubTo worth the cost?

Here’s how I’d think about it.

The real total isn’t $9,800. It’s $9,800 plus earnest money, entity setup, closing costs, repairs on whatever house you take over, and a reserve in case the lender ever calls the loan.

If you have all that and still sleep fine, SubTo’s community might be worth it to you. It’s real, and lots of members leave happy reviews.

If the $9,800 is most of your savings, I’d pump the brakes. “All sales final” and a 404 refund page are a rough combination when it’s your last ten grand.

Want the full picture beyond price? Here’s my SubTo review, and if you’re shopping around, my list of SubTo alternatives starts with options that cost about the price of a pizza.

What I’d do with $9,800 instead

I’ve owned rentals. I know what it feels like to have your money tied up in a house that needs a roof.

These days, the real estate I like best doesn’t have a roof. It’s a website that ranks on Google for a local service, and a local business rents it because it makes their phone ring.

No mortgage in a stranger’s name. No due-on-sale clause. No 2am water heater.

You found this page on Google. That’s the proof it works. I’ll walk you through the rest in the video.

What I'd Do Instead of SubTo