Top Tier TC Review: Is Pace Morby's Transaction Coordinator Training Worth It?
Top Tier TC is Pace Morby’s training community for transaction coordinators.
If you don’t know what a transaction coordinator is, don’t worry. Most people don’t, until a closing falls apart and everybody starts yelling about a missing signature.
Here’s my short Top Tier TC review: it’s a real program, tied to a real investor’s real deals, teaching a real skill.
But it’s teaching you a job. Not an asset.
And there’s a catch with whose deals you’d be working on that nobody mentions on the sign-up page.
I’m Mike. I’ve owned rentals, done flips, and closed enough deals to have strong opinions about TCs. I’m not affiliated with Pace Morby, Top Tier TC or SubTo.
Why Most Real Estate Courses Suck
What does a transaction coordinator do?
A transaction coordinator, or TC, herds the paperwork on a real estate deal from signed contract to closing.
They’re the person keeping track of who signed what, what’s due when, and which document the title company still needs.
Think of a TC as the parent organizing a kids’ birthday party at a trampoline park. Nobody notices them when it goes well. Everybody notices when the waivers aren’t signed.
It’s a real, useful job. Good TCs are worth their weight in gold, and every investor I know who does volume uses one.
What is Top Tier TC?
Per its website, Top Tier TC is a training community for people who want to become transaction coordinators.
The site:
- Names Pace Morby and Molly Tennant.
- Says it’s “the first and only community to teach creative real estate transactions.”
- Offers weekly Zoom calls.
“Creative real estate transactions” means deals like subject-to and seller financing, the same strategies Pace teaches inside SubTo. More on him on my who is Pace Morby page.
“The first and only” is a big claim. I can’t verify it either way. It’s the kind of line that works great on a website and is impossible to fact-check from a laptop.
Who is Molly Tennant?
The Top Tier TC site names her alongside Pace.
According to a Top Tier TC Facebook post, Molly and Pace run a team of TCs that work Pace’s own deals.
That’s actually a point in the program’s favor. It means the people teaching have real, current deal flow to teach from, not just slides.
How much does Top Tier TC cost?
There’s no price on the page.
I looked. I scrolled. I checked the footer like I was hunting for a coupon code.
No number.
That’s a pattern across Pace’s programs. SubTo’s homepage sends you to an application, and you only see the $9,800 on the official checkout. The Gator Method page has no price either.
My advice for any program without a posted price: get the full number in writing before the call ends, and ask about refunds before you pay. SubTo’s checkout terms, for example, say “All sales are deemed final.” I broke those terms down on my SubTo cost and refund policy page.
I don’t know whether Top Tier TC uses the same terms. Ask.
Is Top Tier TC worth it?
Let’s be fair first.
What’s good about it
- The skill is real. TCs are needed on every deal.
- The niche is real. Creative-finance deals have more moving parts than a standard sale, so specialized know-how makes sense.
- The teachers have deals. Per that Facebook post, their own TC team works Pace’s own deals.
- Weekly Zooms beat a library of videos you’ll never finish.
What bugs me
Here’s the thing.
Think about where the work comes from.
SubTo’s how it works page lists “Transaction coordination, document review, and experts on call from offer to close” as part of what members get.
So the ecosystem looks like this: SubTo members do subject-to deals. Those deals need transaction coordination. Top Tier TC trains people to coordinate creative transactions.
You’d be learning to do the paperwork on other people’s subject-to deals.
That’s a job. A legitimate one. But you don’t own anything at the end of it. When you stop working, the income stops. It’s like being the best valet at a car show. You park a lot of Ferraris. You drive home in your Camry.
The risk inside the deals you’d be working on
Every subject-to file that crosses a TC’s desk has the same trapdoor.
The seller’s mortgage stays in the seller’s name. That loan almost certainly has a due-on-sale clause, which lets the lender call the full balance when the house is sold. A sale to an unrelated investor isn’t one of the federal exemptions.
Subject-to is legal. Due-on-sale is a contract risk, not a crime. The lender may call the loan. It doesn’t have to.
As a TC, that risk isn’t on your balance sheet. It’s on the buyer and the seller. But you’d be spending your days making those deals close, so you should understand what you’re helping close.
The full list is in subject-to risks nobody mentions.
I’m not a lawyer, and this isn’t legal advice. Talk to a real estate attorney in your state before you sign anything.
Who should join Top Tier TC?
If you love details, deadlines and checklists, and you want steady work in real estate without buying property, TC work could genuinely suit you.
If that’s you, go in with your eyes open.
Questions to ask before you pay
Since there’s no public price or curriculum, here’s the list I’d bring to any call:
- What’s the total price, including anything monthly?
- What’s the refund policy, in writing?
- Who are the clients for graduates? Other community members, outside investors, or Pace’s own deals?
- How many graduates are working as paid TCs right now?
- What happens to my income if creative-finance deal volume slows down?
If the answers come back fuzzy, that’s an answer too. A good program should be able to handle five questions without needing a “let me check with my manager.”
But if you searched “top tier tc” because you want to own something, I’d pause.
Being a TC means trading hours for dollars on deals other people own. Owning digital real estate means the thing you built keeps working while you sleep.
My take on Top Tier TC
Top Tier TC is a real training program connected to a real deal machine. I’m not knocking it, and I’m not knocking TCs. They save closings every day.
I just don’t think a job should be sold to you like an investment.
If you want something you actually own, there’s another kind of real estate. No mortgage, no tenant, no seller, no title company, and no paperwork for somebody else’s closing.
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.
Want the bigger picture on Pace’s world first? Start with my full Pace Morby review.
Q&A
- Q: What is Top Tier TC?
- A: A training community for people who want to become transaction coordinators on creative real estate deals. Its site names Pace Morby and Molly Tennant and offers weekly Zoom calls.
- Q: How much does Top Tier TC cost?
- A: There's no price on the Top Tier TC site. I won't guess. Ask for the full price, in writing, before any call ends.
- Q: What does a transaction coordinator do?
- A: A TC herds the paperwork on a real estate deal from signed contract to closing, keeping everyone on deadline.
- Q: Who runs Top Tier TC?
- A: The site names Pace Morby and Molly Tennant. According to a Top Tier TC Facebook post, the two also run a team of TCs that work Pace's own deals.
- Q: Is Top Tier TC legit?
- A: It's a real program tied to a real investor's real deals. Whether it's worth it depends on the price, which isn't public, and on whether you want a job or an asset.
- Q: Do I need Top Tier TC to become a transaction coordinator?
- A: Probably not. But creative deals like subject-to have extra moving parts, which is the niche Top Tier TC says it teaches.
- Q: Can a TC work in pajamas?
- A: On the Zoom calls, from the waist down, probably. On closing day, wear pants. Trust me on this one.
- Q: Is Top Tier TC connected to SubTo?
- A: Both are tied to Pace Morby, and SubTo's own site lists "Transaction coordination" as part of what members get. My SubTo review.
- Q: What would you do instead of becoming a TC?
- A: I'd build something I own instead of doing paperwork on deals other people own: a website that ranks on Google and gets rented to a local business. Watch this video and thank me later.