SubTo
Coaching program · run by Pace Morby
Independent profile written by REI Boss from public sources. SubTo and its owners is not affiliated with REI Boss and has not reviewed or endorsed this page or REI Boss. Counts and prices are third-party figures as of the dates shown and change often.
What it is
SubTo is Pace Morby's paid creative-finance community, focused on subject-to deals. It is the largest documented paid community in the operator tier of this research. SubTo does not publish its prices, so every figure here comes from third-party review sites, and those sites disagree: Real Estate Bees lists four tiers from $9,800 to $18,800, while Ark7 reports a $7,800 to $19,000 range. Ark7 also reports more than 10,000 members, more than 20 live Zoom sessions a week, a private Facebook group and a Discord. Ark7 says the Standard tier bundles AstroFlipping access, VA support, a transaction coordinator and a CRM whose vendor is not publicly named. Subject-to deals also carry structural legal scrutiny, so anyone evaluating the program should read its terms closely.
Key facts
| Fact | Value | As of | Source |
|---|---|---|---|
| Reported tiers (Real Estate Bees) | Accelerator $9,800 (or $2,450/month for four months), Executive $11,800, Master $15,800, Elite $18,800; third-party reported | 2026-04-20 | (source) |
| Reported price range (Ark7) | $7,800 to $19,000; third-party reported | 2026-09-11 | (source) |
| Reported members | More than 10,000 (Ark7) | 2026-09-11 | (source) |
| Live sessions | More than 20 live Zoom sessions a week, per Ark7 | 2026-09-11 | (source) |
| Community channels | Private Facebook group and a Discord, per Ark7 | 2026-09-11 | (source) |
| Standard tier inclusions | AstroFlipping access, VA support, a transaction coordinator and a CRM whose vendor is not publicly named, per Ark7 | 2026-09-11 | (source) |
Reported price
Sources conflict: Accelerator $9,800 (or $2,450/mo x 4), Executive $11,800, Master $15,800, Elite $18,800 (Real Estate Bees, Apr 20, 2026) vs a $7,800 to $19,000 range (Ark7, Sep 11, 2026). SubTo does not publish official pricing. as of 2026-04-20 (source)
third-party reported
Software included
The Standard tier reportedly includes a CRM whose vendor is not publicly named. (source)
Who it serves
beginner — mostly people learning creative finance and subject-to deals, with a share moving into early-operator volume.
Frequently asked questions
How much does SubTo cost?
SubTo does not publish prices. Real Estate Bees (Apr 20, 2026) reports tiers from $9,800 (Accelerator) to $18,800 (Elite); Ark7 (Sep 11, 2026) reports a $7,800 to $19,000 range. Confirm on a sales call.
How many members does SubTo have?
Ark7 reported more than 10,000 members as of September 11, 2026. That figure is third-party and not confirmed by the company.
What is included in SubTo?
Ark7 reports more than 20 live Zoom sessions a week, a private Facebook group and a Discord. It says the Standard tier also bundles AstroFlipping access, VA support, a transaction coordinator and a CRM whose vendor is not named.
Who runs SubTo?
SubTo is Pace Morby's program. He also runs the Gator Method.
If you're building a subject-to and seller-finance book, every deal keeps running after closing: someone else's loan to watch, payments to track and sellers to keep informed for years. That is a Pipelines and Projects problem as much as an acquisitions one. REI Boss structures those long-tail obligations into tracked Projects with a Scoreboard, so a missed payment or an expiring term surfaces in the weekly Momentum Meeting instead of in a phone call from the lender.
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