Pace Morby

Morby grew up in a blue-collar family and worked as a contractor for many years before becoming a HomeVestors franchisee.⁠[1][2]

On the BiggerPockets podcast in 2021 he recalled that Opendoor found him after he posted before-and-after renovation photos on Instagram, making him the first contractor the company hired when it launched in Phoenix; he later became the first contractor hired by OfferPad and then by ZillowZillow GroupZillow Group is an American online real estate marketplace company with its principal executive offices in Seattle, Washington, and Class A and Class C shares listed on Nasdaq. It announced the wind-down of its home-buying business Zillow Offers in November 2021, has been led by chief executive Jeremy Wacksman since August 2024, and in October 2026 agreed to pay $212.5 million in cash to settle an investor class action covering share buyers from August to November 2021.Open the full entry when it began fixing and flipping homes, and travelled with these companies to open new markets.⁠[1]

He said that at the time he was renovating more than a thousand homes a year for others without building wealth, so he began flipping his own homes and building a rental portfolio.⁠[1]

In October 2021 the A&E cable channel launched the home-flipping show Triple Digit Flip, in which two Phoenix real estate teams each had six weeks to renovate an entire house; Morby and Jamil Damji were its two stars.⁠[3]

The show followed the teams around the Phoenix Valley as they renovated neglected houses. Morby said that he and Damji had been competitors in the local market before they started flipping houses together and travelled around the country for a couple of years, which drew the producers’ attention.⁠[3]

A&E’s cast biography describes him as the go-to “sub to guy” in mainstream real estate investing, focused on creative strategies such as subject-to and seller-finance deals.⁠[2]

In episode 527 of the BiggerPockets podcast, released on November 4, 2021, he said that about 300 of his doors had all been bought through subject-to or seller financing without bank loans, including AirbnbAirbnbAirbnb is a travel platform for booking stays, experiences, and services, co-founded by Brian Chesky, Joe Gebbia, and Nathan Blecharczyk and headquartered in San Francisco, United States; its Class A common stock trades on Nasdaq under the symbol ABNB. The business began with hosting guests in the founders’ home in 2007, then joined YC’s Winter 2009 batch, and gradually expanded into local experiences, services, and boutique hotels.Open the full entry rentals, mobile home parks and fix-and-flip projects.⁠[1]

In the episode he said his businesses included the virtual assistant company Start Virtual, where most of the nearly 700 employees across his entities worked, with about 75 in his real estate business; he was also a partner in Equity Assurance, a company providing due-on-sale insurance.⁠[1]

He also said that the $3 million home he then lived in had been bought from a previous guest of the podcast without a credit check, bank statements or tax returns.⁠[1]

On May 2, 2023, BiggerPockets Publishing released his book Wealth Without Cash: Supercharge Your Real Estate Investing with Subject-To, Seller Financing, and Other Creative Deals, a 248-page hardcover.⁠[4]

The publisher’s description says he built a portfolio of more than 1,000 properties and over $150 million in assets without using his own cash.⁠[4]

On June 7, 2026, Hard Knocks BusinessHard Knocks BusinessHard Knocks Business is a YouTube business interview channel of the School of Hard Knocks, opened in February 2026, that presents business owners’ experience through street interviews, day-in-the-life videos and short clips.Open the full entry released the long-form video “Day in the Life of a $125 Million Real Estate Mogul,” in which the host spent a day with Morby and his team in Scottsdale, Arizona, at his invitation.⁠[5]

In the video he said his company would probably do about $125 million that year, that he owned more than 2,000 doors and about 15 businesses, and that he had not paid federal income tax in about nine years by using provisions of the Internal Revenue Code.⁠[5]

He said he did not come from money but from a family of 12 children whose parents taught him a work ethic, and that after first reaching a six-figure income he sabotaged himself and had to start over because his mindset was not ready.⁠[5]

During an office tour he said about 200 team members worked there and that every two weeks the community brought in 200 members to do deals live with him; he also introduced teams for member success, design, YouTubeYouTubeYouTube is Google’s video-sharing and creator platform, founded in 2005 by Steve Chen, Chad Hurley, and Jawed Karim and acquired by Google in 2006. Built around video uploading, viewing, and creator earnings, the platform has developed Shorts, YouTube Music, Premium, YouTube TV, and products for children, and is headquartered in San Bruno, California, United States.Open the full entry and social media, and chief technology officer Nathan Cahill.⁠[5]

The deals he showed included a 161-unit apartment complex bought in August 2024 for $19.5 million without a bank or credit check, whose cash flow he said had nearly tripled in about 24 months and which he expected to net about $1 million in 2026, and the Glacier Peaks RV park, found on Crexi and bought for $5 million with a 30-year loan from the seller.⁠[5]

He said he would own about 40 RV parks that year, worth a little over $100 million, and that the group of people he did RV park deals with owned close to 8% of the US RV park industry; he also said he was buying The Barn at Chestnut Springs, a wedding venue built by Dolly Parton, for $2 million.⁠[5]

Asked why he stopped doing another season of Triple Digit Flip, he said, “We don’t flip houses, we flip people,” adding that A&E wanted drama while he wanted to make authentic content.⁠[5]

He said his first deal was a single-family wholesale deal in which he found an opportunity for someone else and was paid $25,000; he also said a member of the School of Hard KnocksSchool of Hard KnocksSchool of Hard Knocks is a business-interview media brand founded in 2021 by James Dumoulin, Jack Dumoulin and Joshua Smith, based in Austin, Texas. Its street interviews, long-form videos and podcast explore guests’ careers and business experiences. It also operates content services and the School of Mentors community.Open the full entry community had found him a $5 million RV park on Crexi and earned a $90,000 finder’s fee.⁠[5]

He listed paid mentors including Dean GraziosiDean GraziosiDean Graziosi is an author, entrepreneur, real-estate educator and cofounder of Mastermind. He moved from automobile and property ventures into books, television direct marketing and online courses. His works include Totally Fulfilled, Be a Real Estate Millionaire and Millionaire Success Habits, and he collaborates with Tony Robbins on entrepreneurship and AI training.Open the full entry, Tony RobbinsTony RobbinsTony Robbins is an American author, speaker, entrepreneur and personal-development coach born on February 29, 1960. He founded Robbins Research International and the Tony Robbins Foundation. Known for large seminars and books including Unlimited Power, Awaken the Giant Within and MONEY: Master the Game, he is also involved in investing, health services and philanthropy.Open the full entry and Dan MartellDan MartellDan Martell is a Canadian entrepreneur, angel investor, and business coach who founded and sold three software companies: Spheric Technologies, Flowtown, and the mentor advice platform Clarity. He then founded SaaS Academy, a coaching program for software company founders, and is the author of Buy Back Your Time.Open the full entry, said he joins new masterminds every year to keep learning, and named “Family first. Peace over profit” as his core values.⁠[5]

At the end of the video he recounted that on his first seller appointment he made no offer but helped the seller re-home her bunnies, and two weeks later she decided to sell the house to him; he said the brand name “sub two” and its bunny-ears association remind his community and himself to “always find the bunnies.”⁠[5]

On June 8, 2026, Hard Knocks Business released the short video “He paid $0 in taxes $125 MILLION a year. (Pace Morby),” excerpting his Scottsdale Q&A on tax strategy, starting from zero, his family background and advice for the younger generation; in it he added that the places to meet like-minded people are church and paid communities, saying, “Get married, have kids, go to church.”⁠[6]

On June 13, 2026, Hard Knocks Business released the short video “ZERO Down. ZERO Financing.,” whose description says he has completed more than 2,000 real estate deals. In it he used a crew member’s camera rig worth about $8,000 to explain seller financing: the seller gets close to the asking price in $100 monthly payments, and the buyer needs no bank, credit check or own money. “I’m the owner, he’s the bank,” he said.⁠[7]

He said the most important way to change is to change the people around you, including mentors, dinner companions and dates, rather than the books you read or the videos you watch (video at 02:02).⁠[5]

He advised someone starting from zero to find sellers facing foreclosure, buy their property by taking over the existing payment, and rent it out to someone else (video at 01:27).⁠[5]

He advised small investors to first hire an operations manager who can handle asset management, bookkeeping and other roles, and, as the business scales, let that person hand off the roles they are weakest at to new hires (video at 18:23).⁠[5]

He described using “shadow equity” to retain staff: team members who stay for a set period get a stake in the assets bought while they were there, so that they feel they are working with him rather than for him (video at 18:53).⁠[5]

He said that when buying a business or property on seller financing, the key is not raising money but solving the seller’s problem, such as a seller who no longer wants to operate the business and has no one to pass it to (video at 22:03).⁠[5]

The SubTo community focuses on subject-to and seller financing, offers coaching, events and member support, and is part of New Reach.⁠[8]

His personal website says he has acquired more than $450 million in real estate assets through creative finance and owns more than 20 active businesses, and lists ventures including SubTo, Top Tier TC, Gator Method, Zero Down 2.0, DealSauce, Prop AI and SquadUp Summit, as well as the shows Get Creative Podcast and The Pace Morby Show.⁠[9][10]

He also co-hosts the real estate podcasts Wholesale Hotline and Sunday Service.⁠[11]

Personal website: https://pacemorby.com/ (opens in a new window).⁠[9]

SubTo: Official website: https://subto.com/ (opens in a new window).⁠[8]

X: Public account: https://x.com/PaceJordanMorby (opens in a new window).⁠[9]

LinkedInLinkedInLinkedIn is a social networking platform for professionals. It was founded in 2002 by Reid Hoffman and others, launched in 2003, and listed on the New York Stock Exchange in 2011; after Microsoft acquired it for approximately $26.2 billion in 2016, it became a wholly owned Microsoft subsidiary. Its revenue comes from membership subscriptions, advertising, and recruitment solutions.Open the full entry: Public profile: https://www.linkedin.com/in/pacejordanmorby (opens in a new window).⁠[9]

YouTube: Public channel: https://www.youtube.com/@PaceMorby (opens in a new window).⁠[9]