Subto
Learn Creative Financing with Subto by Pace Morby
05/28/2026
We made over 50 calls to RV parks and Mobile Home Parks that were set by BRAND NEW members. 📲
Everyone here is taking notes, learning new strategies, and on their way to building massive portfolios.
If you could pair up with people who have proof of funds, the ability to buy, the ability to show credibility, and the ability to communicate with brokers + sellers... where would that take you?
Send us a DM if you want to get in rooms like this. 🤝🏽
05/12/2026
This is the cheat sheet I wish someone handed me when I was getting started.
We get DMs every week from new investors who tied themselves up in a deal that was screaming red flags from the start. They missed the signs because nobody taught them what to look for.
Comment “FLAGS” for the full checklist, so you don’t miss a thing.
🟢 GREEN FLAGS
- Seller motivated by SITUATION, not just price (divorce, probate, tired landlord)
- Low or no existing mortgage
- Below-market interest rate to take over
- Numbers work on at least 2 exit strategies
- Seller wants monthly cash flow over a lump sum
🔴 RED FLAGS
- Seller only cares about price
- Won’t disclose loan details
- High interest rate (SubTo only works if their rate beats today’s)
- Title issues, liens, or HOA judgments
- Numbers only work on ONE exit
Here’s the part most people miss:
Creative finance isn’t a paperwork game. It’s a people game.
You’re solving a real problem for a real human and building a real relationship. When the situation’s right, the structure works beautifully.
Comment “FLAGS” for the full checklist so you can find and close deals the right way.
05/04/2026
Dallas brought the energy and deals on the last stop of the Creative Nation Tour! 🏆🤠
The community showed up ready to connect, build relationships, and take advantage of real opportunities.
Creative Nation Tour has come to an end (for now 😉)... So grateful for everyone who’s come out to these meet ups over the past few months.
05/03/2026
Dallas, we’re locking in high level conversations and real opportunity! 💼⚡️
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If you want to expand your network and your deal flow, this is the room to be in.
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📍 The Rustic
🗓️ May 3rd | 12-4PM
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Visit creativenationtour.com for the free rsvp link.
05/03/2026
Dallas, we’re bringing the momentum! 🏙️
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The Creative Nation Tour rolls into North Texas and this stop’s about to be all gas, no brakes.
Visit creativenationtour.com to secure your spot!
How to buy a house with $0 down 🤯
It feels like just yesterday came down to the office to see what creative financing was all about.
Such a fun challenge to break this down in 60 seconds. But, it really can be this simple!
You don’t need to figure it out alone.
This week I’m showing YOU how to:
1. Find off-market + creative deals
2. Negotiate directly with sellers
3. Underwrite deals the right way
4. Partner with people who are creative finance pros
Comment “MOBILE” and I’ll send you the free zoom link to join me. 📩
03/09/2026
Vancouver came out ready.✌🏽🇨🇦
Great crowd, lots of networking, and some solid deals being closed.
Thank you to all the action takers who joined us! 💙
03/08/2026
Tucson came ready. 😎🤝🏽
This community always shows up to connect, share ideas, and talk through real deals.
📍Next stop: SquadUp Summit
After meeting 40,000+ people across 100 cities…
I noticed something.
Most people don’t have a lead problem.
They have a conversation problem.
Everyone is watching:
YouTube
ChatGPT
Podcasts
Courses
But almost nobody is talking to:
• Sellers
• Brokers
• Owners
• Property managers
Why?
Because the moment you talk to a real seller…
You might realize you don’t know everything.
And most people would rather feel smart online than feel dumb in a real conversation.
But here’s the truth:
Every real estate investor you look up to…
Sounded stupid on their first calls.
The difference?
They made the calls anyway.
03/07/2026
Tucson, we’re bringing the heat and the blueprint to win! 🏘️
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This is a room for action takers ready to sharpen their strategy, build real deal flow, and close big.
📍 Arizona Sands Club
🗓️ March 7th | 5-9PM
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Visit creativenationtour.com for the free rsvp link.
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10250 W 12th St
Sandy, UT
84070