SubTo vs AstroFlipping: Pace Morby vs Jamil Damji, Compared

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

SubTo vs AstroFlipping is basically Pace Morby vs Jamil Damji.

Same A&E show. Two very different ways to make money on houses.

Pace teaches subject-to. Jamil teaches wholesaling.

One costs $9,800. The other shows a $997 price on its homepage.

Here’s the quick, fair answer: both guys are real investors with real businesses, and both programs teach legal strategies. But both of them, in different ways, put the risk on you.

And there’s a third option neither of them teaches. We’ll get there.

I’m Mike. I’ve owned rentals, done flips, and bought a lot of courses. I’m not affiliated with Pace, Jamil, SubTo, AstroFlipping or A&E.

Why Most Real Estate Courses Suck

Who are Pace Morby and Jamil Damji?

They’re the co-hosts of A&E’s Triple Digit Flip, a show where the goal is a $100K-plus profit on every project.

Off camera, they each run a teaching business.

Pace Morby started as a general contractor, then became a HomeVestors franchisee, per his A&E bio. He founded SubTo, which its homepage calls “A PEER COMMUNITY FOR CREATIVE FINANCE.” More on him in who is Pace Morby.

Jamil Damji co-founded KeyGlee, a wholesaling company. He teaches wholesaling through AstroFlipping.

So they’re like two chefs who share a cooking show but run completely different restaurants. One serves a $9,800 tasting menu. The other has a $997 combo.

Subject-to vs wholesaling: what’s the difference?

This is the part that actually matters, so let’s keep it simple.

What SubTo teaches: subject-to and seller finance

SubTo teaches two main strategies. Here are SubTo’s own definitions:

• Subject-to: you buy the property and leave the seller’s existing mortgage where it is. You take title by deed, the loan stays in the seller’s name, and you take over the payments.
• Seller finance: “the seller is the bank.” You sign a note and pay the seller directly.

Either way, you end up owning a house.

What AstroFlipping teaches: wholesaling

Wholesaling, in plain English: you get a house under contract, then sell that contract to another buyer for a fee. You usually never own the house.

You’re more of a matchmaker than an owner. Think of the person who sets up two friends on a date and then very much does not want to hear how it went.

SubTo vs AstroFlipping: side by side

Prices are what each site showed when I checked. I’m not listing what’s inside AstroFlipping because I couldn’t verify a full module list, and I won’t guess.

What about the SEC filing?

Here’s a detail most comparison posts skip.

In April 2024, SubTo Fund LLC, an Arizona company, filed a Form C with the SEC. That’s a filing for raising money from regular investors. It aimed to raise up to $2,576,000, with a $1,000 minimum.

Its manager is SquadUp Management LLC, managed by Pace Morby and Mathis, LLC. The related names it lists include New Reach Education, KeyGlee and AstroFlipping.

So the two co-hosts’ businesses show up on the same paperwork.

That’s not a red flag. It’s a disclosure, which is the whole point of the filing. It just tells you this is less “Pace vs Jamil” and more “two neighbors who share a fence.” The filing also says the fund was “not subject to any current or threatened litigation.”

Which one is riskier?

In my opinion, subject-to. By a lot.

Here’s why. With subject-to, the seller’s loan stays in the seller’s name while you own the house. 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. A sale to an unrelated investor isn’t on the exemption list.

If that happens, you need to refinance at today’s rates, pay it off, or sell. Meanwhile the seller’s credit is tied to your payments. And you’re the landlord for every 2am water heater.

Subject-to is legal. Due-on-sale is a contract risk, not a crime. But it’s a big one, and it sits on you, not the teacher. The full list is in subject-to risks nobody mentions.

Wholesaling’s risk is smaller but more constant. You’re putting houses under contract and hoping a buyer shows up. Your earnest money and your time are on the line on every deal, and the pipeline never stops needing to be fed.

Some Reddit and BiggerPockets threads about AstroFlipping include “be wary” posts. That’s about what I’d expect for any guru program, and I’d read them before paying.

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

Which is worth the money?

If I had to pick one for a beginner, I’d lean AstroFlipping on price alone. $997 is a lot less painful than $9,800 if it turns out you hate the work.

But price isn’t the real question. The real question is what the job looks like on a Tuesday.

• With SubTo, your Tuesday is calling distressed sellers, underwriting deals, and keeping a stranger’s mortgage current.
• With AstroFlipping, your Tuesday is calling motivated sellers, then calling buyers, then calling sellers again.

Both are phone-heavy, people-heavy and deal-by-deal.

Even SubTo’s own earnings disclaimer says “The average person who buys ‘how to’ information gets little to no results.” I appreciate the honesty. It applies to both programs, and frankly to every course I’ve ever bought.

More on Pace’s side in my full Pace Morby review and the SubTo cost and refund policy page. If you want a wider list, see SubTo alternatives.

My verdict: SubTo vs AstroFlipping

Both are real. Both teach legal strategies. Both are run by people who’ve actually done deals.

And both put the risk on you. SubTo’s risk is bigger and slower: a loan you don’t own and a house you do. AstroFlipping’s is smaller and endless: always hunting the next contract.

Here’s what neither one teaches.

There’s a kind of real estate with no mortgage, no tenant, no seller and no title company. It’s a website that ranks on Google and gets rented to a local business that wants the phone calls.

No contract to assign. No loan to get called.

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

What I'd Do Instead of SubTo