Pace Morby Mentorship

[Chida Truong]

Hello BP investors,

I haven't seen any recent postings about Pace Morby's Sub To Mentoship program and wanted to see if anyone can give their honest feedback about the program who's joined recently?

I noticed quite a few of the reviews were from dead accounts or 1 and done posters so I was a bit weary about the legitimacy. Being that the cost of the program is about $7800 (amount I gathered from other posts), I didn't want to to make a costly mistake. All feedback greatly appreciated.

[Nate Marshall]

Quote from @Account Closed:

Quote from @Jarrod Ochsenbein:

Quote from @Account Closed:

Quote from @Kirsten Martinez:

Hello Everyone, I am a Subto and Gator member. I joined this forum a while ago because my mom is a biggerpockets member. 

Your comment: "if you have specific questions, I would be happy to answer them for you."
Just a couple please,

If you buy a property on the MLS for asking price say $400,000 for cash flow the way he teaches in his videos and you use a gator lender to cover the closing/rehab costs say $20,000 so now you owe $420,000 on a house valued at $400,000 what happens if in 6 months the lender finds out and calls the Due on Sale clause?

Actually what was asked was "

Can Someone Please Post a Subto Purchased On The MLS That Was Successful -

 They are not transparent for obvious reasons. Scum attracts scum. 

[Victoria Hernandez]

My Raw. Honest review. If you are thinking about joining Subto it's the best education I've ever invested in. One stop shop. I've joined other groups before... WASTE of MONEY and TIME! this is Worth EVERY cent! One thing that I wish I didn't take lightly when I first joined is not doing the due diligence required on deals and trusting every community member I encountered. Not everyone is going to want to see or watch you win. Educate yourself with the videos. Do not go bare back or try to do it on your own if you don't understand something. Reach out to the resources provided and reputable community leaders. Consistency and patience are key.

[Nate Marshall]

Quote from @Account Closed:

Quote from @Jarrod Ochsenbein:

Quote from @Account Closed:

Quote from @Jarrod Ochsenbein:

Quote from @Account Closed:

Quote from @Kirsten Martinez:

Hello Everyone, I am a Subto and Gator member. I joined this forum a while ago because my mom is a biggerpockets member. 

Your comment: "if you have specific questions, I would be happy to answer them for you."
Just a couple please,

If you buy a property on the MLS for asking price say $400,000 for cash flow the way he teaches in his videos and you use a gator lender to cover the closing/rehab costs say $20,000 so now you owe $420,000 on a house valued at $400,000 what happens if in 6 months the lender finds out and calls the Due on Sale clause?

What happens if a gator lender lends $20,000 on a transactional deal but the borrower "forgets" to pay back the gator?

Does Pace Morby answer your questions on the Subto community site or someone else? Do you get trained personally by Pace Morby?

 I will answer on Kristen's behalf since I am sure she is busy.   There is plenty of training that covers your questions.  There is a vault of past live deals being made, several zoom calls with Pace a day and of course the community. Too many zoom calls with Pace actually IMO, but you don't have to attend any if you don't wish to. :)  There is so much data it is overwhelming and I don't think anyone can get through all of it.  

For the question about buying a property on the MLS I am not sure it applies. Most of us are looking for off market deals via subto, seller finance, morby method etc... Let's say you did buy a property off the MLS conventionally and did use a gator for the down payment. There wouldn't be a due on sale because you bought it conventional. For the Gator loan you would work out some type of repayment structure and a lien would be placed on the property or some cross collateral.

What I did is finished the Gator and Subto training, networked with people and was off to the races. I do try and attend a few meetings a week with the community, but the forums and my own deals keep me pretty busy.  I will say the way I started was the best for me.  I started with Gator 1.0.  I learned the ropes so to speak and after I did a deal or two it paid for Gator in the first 2 months. Then after I earned enough to pay for Subto I joined that in the summer and things really started cooking. The Subto community is larger and also overwhelming. 

@Jarrod Ochsenbein: Your comment "For the question about buying a property on the MLS I am not sure it applies."

Of course it applies. That is what Pace Morby is all about if you watch his videos. He advocates buying on the MLS at full price (he says he can "over pay" and then he can use "gator lenders" to cover the down payment, closing costs and he has no skin in the game. He is overleveraging other people's money. 

 If you go through the agent, which means you have to pay the agent fees. Most people wait till it is on the market forever to talk to the agent or wait till it expires.  What Pace is getting at is if you buy a house subto the purchase price really doesn't matter.  You pay XYZ price on paper and take over the mortgage.  You can leverage other people's money for the deal and pay them back over time.  IE if the property is taken over subto and then rented for more than the debt service you can use those funds to pay back the lender. 

Not to put too fine a point on things, but . . . 

If there is little equity, and the DOS gets called, the only choice is to sell & bring money into closing or go to foreclosure and get sued by the original seller for breeching teh contract and trashing their credit. People who use secondary lenders to buy at full price, aren't the ones who have money in the bank to bring into closing. No bank will touch them for refinancing and I don't know any HML that will bail them out either. It's a real problem.

That same “guru” said on one of his recent videos, he has just had 10 Due on Sales recently called and dozens of Subto students have too. He said you have to talk the lender into stopping the DOS (good luck with that) or switch to an Executory Contract. Well, the Due on Sale says:

18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to purchaser

(That’s the exact definition of an Executory Contract that he says to switch to) Banks aren’t stupid.

 Banks and Mortgage companies are wise to Pace. He will even be a topic at an upcoming conference for risk managers. They look at Pace like the Intelligence community looks at leaders of Hamas and ISIS. 

[Trevor Tirrell]

Quote from @Chida Truong:

Hello BP investors,

I haven't seen any recent postings about Pace Morby's Sub To Mentoship program and wanted to see if anyone can give their honest feedback about the program who's joined recently?

I noticed quite a few of the reviews were from dead accounts or 1 and done posters so I was a bit weary about the legitimacy. Being that the cost of the program is about $7800 (amount I gathered from other posts), I didn't want to to make a costly mistake. All feedback greatly appreciated.

Hey Chida, I joined SubTo back in September 2023. It's true that Pace is a great marketer, but the community he has created (or as he likes to say "we have created") is invaluable. I'm new to real estate investing and the content that is available (both from Pace as well as those in the community) has been tremendously helpful for someone like me. Additionally, the people I have met have been super willing to help.

I do not believe that it is a great mentorship. But you will only benefit if you are an action taker. Don't expect to get rich quick or have someone hold your hand. You need to take action and go outside your comfort zone. But this is true whether you are in the program or not.

[Nate Marshall]

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

[V.G Jason]

He has 10 called due in the last month? @Nate Marshall @Account Closed

[Nate Marshall]

Quote from @Account Closed:

Quote from @V.G Jason:

He has 10 called due in the last month? @Nate Marshall @Account Closed

That video is a few weeks old, so I don't know the new number of Due on Sales he has had called. He does go on to say a dozen or two of his students have also had Due on Sales called. He isn't likely to make a big deal of it. 

Though it's a very big deal. Especially to under funded, under trained, unsophisticated "investors" who could get sued.

When you go on his facebook page and ask about these questions, you get banned. Guess how I know. ;-) Asking tough questions reduces their revenue. Life is Unicorns farting rainbows over there.

 Most gurus do this when people ask them questions that expose them. 

[Nate Marshall]

Quote from @Account Closed:

Quote from @Trevor Tirrell:

Quote from @Chida Truong:

Hello BP investors,

I haven't seen any recent postings about Pace Morby's Sub To Mentoship program and wanted to see if anyone can give their honest feedback about the program who's joined recently?

I noticed quite a few of the reviews were from dead accounts or 1 and done posters so I was a bit weary about the legitimacy. Being that the cost of the program is about $7800 (amount I gathered from other posts), I didn't want to to make a costly mistake. All feedback greatly appreciated.

Hey Chida, I joined SubTo back in September 2023. It's true that Pace is a great marketer, but the community he has created (or as he likes to say "we have created") is invaluable. I'm new to real estate investing and the content that is available (both from Pace as well as those in the community) has been tremendously helpful for someone like me. Additionally, the people I have met have been super willing to help.

I do not believe that it is a great mentorship. But you will only benefit if you are an action taker. Don't expect to get rich quick or have someone hold your hand. You need to take action and go outside your comfort zone. But this is true whether you are in the program or not.

He did a video recently and said this. 
He was referring to "called in the last month, in" context

Click to enlarge

"I've had the Due on Sale Clause called on me 10 times" 

When a Due on Sale is called, you have to pay off the entire loan, usually within 30 days, or they take the property to foreclosure. That trashes the seller's credit and you possibly get sued. His approach seems to have flaws. Since he collects so much from "training fees" he can probably handle a few Due on Sales being called, But Can You?

And by the way, anyone in 2nd position as a lender, probably loses all of their money, unless THEY can pay off the 1st lender? is THAT taught in the program?  His approach . . . is questionable.

Most of his fan bois have never done real estate and get recruited the same way crypto bros do. Out of their Mom's basement and porn hub subscription paid by prepaid debit cards. 

[Deb S.]

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

[Account Closed]

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

[Deb S.]

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

 So you assume that Pace teaches how to buy a property subto without providing a legal contract with needed addendums? 

If you were in the community, you’d know how ludicrous this sounds. Pace spends tens of thousands of dollars keeping contracts updated for all of us. 
You shouldn’t make assumptions on how the mentorship works. 

[Account Closed]

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

 So you assume that Pace teaches how to buy a property subto without providing a legal contract with needed addendums? 

If you were in the community, you’d know how ludicrous this sounds. Pace spends tens of thousands of dollars keeping contracts updated for all of us. 
You shouldn’t make assumptions on how the mentorship works. 

You're very funny and I probably wouldn't work with you. You didn't read what I wrote and you are saying things I didn't even say and things I don't believe. In court they call that "false testimony". I would suggest you ask people what they believe, rather than telling them what they believe.

By your focus on the contracts, which I didn't even bring up, I surmise you have no idea what can go wrong after the closing, thus proving my point. Have a nice day.

[Deb S.]

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

 So you assume that Pace teaches how to buy a property subto without providing a legal contract with needed addendums? 

If you were in the community, you’d know how ludicrous this sounds. Pace spends tens of thousands of dollars keeping contracts updated for all of us. 
You shouldn’t make assumptions on how the mentorship works. 

You're very funny and I probably wouldn't work with you. You didn't read what I wrote and you are saying things I didn't even say and things I don't believe. In court they call that "false testimony". I would suggest you ask people what they believe, rather than telling them what they believe.

By your focus on the contracts, which I didn't even bring up, I surmise you have no idea what can go wrong after the closing, thus proving my point. Have a nice day.

 Contracts are what makes something done legally or not. You have a nice day as well. 

[Chris Seveney]

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

 So you assume that Pace teaches how to buy a property subto without providing a legal contract with needed addendums? 

If you were in the community, you’d know how ludicrous this sounds. Pace spends tens of thousands of dollars keeping contracts updated for all of us. 
You shouldn’t make assumptions on how the mentorship works. 

You're very funny and I probably wouldn't work with you. You didn't read what I wrote and you are saying things I didn't even say and things I don't believe. In court they call that "false testimony". I would suggest you ask people what they believe, rather than telling them what they believe.

By your focus on the contracts, which I didn't even bring up, I surmise you have no idea what can go wrong after the closing, thus proving my point. Have a nice day.

 Contracts are what makes something done legally or not. You have a nice day as well. 

 Well that is not true. Contracts are only enforceable if they abide by the law. Just because it is in a contract does not make it legal. For example, you can have someone sign a non-compete agreement in California but it does not mean its legal. You can charge 15% on a loan in Pennsylvania but does not mean its legal. You can write in a seller finance deal if you miss one payment you will lose the house and have the buyer sign a deed in lieu at closing but that does not mean its legal.

Contracts are overturned all the time. 

[Nate Marshall]

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

 So you assume that Pace teaches how to buy a property subto without providing a legal contract with needed addendums? 

If you were in the community, you’d know how ludicrous this sounds. Pace spends tens of thousands of dollars keeping contracts updated for all of us. 
You shouldn’t make assumptions on how the mentorship works. 

We know how it works. We know that like Jeffrey Epstein has defenders and enablers so does Pace Morby. 

[Jonathan Cooper]

Quote from @Nate Marshall:

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

 So you assume that Pace teaches how to buy a property subto without providing a legal contract with needed addendums? 

If you were in the community, you’d know how ludicrous this sounds. Pace spends tens of thousands of dollars keeping contracts updated for all of us. 
You shouldn’t make assumptions on how the mentorship works. 

We know how it works. We know that like Jeffrey Epstein has defenders and enablers so does Pace Morby. 

 lol, Nate could not have said it better, the thing is that Pace is just paying mostly for random accounts to create positive reviews

[Nate Marshall]

Quote from @Jonathan Cooper:

Quote from @Nate Marshall:

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

 So you assume that Pace teaches how to buy a property subto without providing a legal contract with needed addendums? 

If you were in the community, you’d know how ludicrous this sounds. Pace spends tens of thousands of dollars keeping contracts updated for all of us. 
You shouldn’t make assumptions on how the mentorship works. 

We know how it works. We know that like Jeffrey Epstein has defenders and enablers so does Pace Morby. 

 lol, Nate could not have said it better, the thing is that Pace is just paying mostly for random accounts to create positive reviews

 Truth. We are finding out more and more daily. And people there are better people and less expensive than signing up for this or any similar guru's BS. 

[Nate Marshall]

Quote from @Chida Truong:

Hello BP investors,

I haven't seen any recent postings about Pace Morby's Sub To Mentoship program and wanted to see if anyone can give their honest feedback about the program who's joined recently?

I noticed quite a few of the reviews were from dead accounts or 1 and done posters so I was a bit weary about the legitimacy. Being that the cost of the program is about $7800 (amount I gathered from other posts), I didn't want to to make a costly mistake. All feedback greatly appreciated.

 Yep. They can takeover accounts and mimic real people. Pace mand his gestapo is good at this. 

[Cody L.]

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

 Prison awaits?  For what?  What law is being broken?  It's a loan violation.   I used to buy via wraps/sub2 all the time when I was starting back in 2008.  Yes, there is some risk.  As long as both parties know the risk it's up to them to act accordingly. 

[Cody L.]

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Account Closed:

Quote from @Deb S.:

Quote from @Nate Marshall:

He has had more than 10 called due. Banks are wise now. They are even discussing this at banking and mortgage conferences. Pace is finished. Prison awaits!!! 

Why are you mentioning prison? Subto is NOT illegal. It is on the HUD statement on line 503. There is no 'crime' committed. The banks MAY call the loan due but it is not illegal to buy a property sub to the existing mortgage.

You are correct, Subto IS legal, when done legally.
Withdrawing money from the bank IS legal too, when done legally.

Are you aware that when done improperly, Subto can lead to charges of Consumer Protection ACT violations, artifices, deception by omission, equity skimming, bank fraud, mortgage fraud, tax evasion and so on. Just say "No, I didn't know that". Well, yes it can.
https://agportal-s3bucket.s3.amazonaws.com/uploadedfiles/Hom...

Now, "charges" doesn't necessarily mean anyone is guilty, but why put yourself in that position? Court ties you up for a year to a year and half with no guarantee of the outcome. (and is no fun.)

I’m here to protect people from making very bad mistakes, as I teach Subto “safely and legally”. It’s up to individuals though, to get serious and learn things properly.

Be safe, know the law, stay legal. There is zero talk of that at the Subto "community" (Bad news interferes with increasing the sales, cuts into the profit margin I suppose).

 So you assume that Pace teaches how to buy a property subto without providing a legal contract with needed addendums? 

If you were in the community, you’d know how ludicrous this sounds. Pace spends tens of thousands of dollars keeping contracts updated for all of us. 
You shouldn’t make assumptions on how the mentorship works. 

You're very funny and I probably wouldn't work with you. You didn't read what I wrote and you are saying things I didn't even say and things I don't believe. In court they call that "false testimony". I would suggest you ask people what they believe, rather than telling them what they believe.

By your focus on the contracts, which I didn't even bring up, I surmise you have no idea what can go wrong after the closing, thus proving my point. Have a nice day.

 Contracts are what makes something done legally or not. You have a nice day as well. 

 Wrong. If you and I sign a contract, and I break our deal, I didn't break the law.  The cops don't come and arrest me.  Sure you have the right to sue for damages but that's it. 

[Taylor Nelson]

Pace Morby's mentorship is a transformative experience that transcends traditional mentor-student dynamics. It feels like joining a close-knit family where collaboration and support are paramount. The wealth of information shared is nothing short of mind-expanding, covering diverse aspects of the subject matter.

What sets this mentorship apart is not just the depth of knowledge but the genuine camaraderie among members. It creates an environment where everyone is invested in each other's success. The mentorship provides practical insights, actionable strategies, and a roadmap to navigate the complexities of the field.

Every session feels like an invaluable masterclass, with Pace Morby's wealth of experience shining through. The mentorship doesn't just meet expectations; it exceeds them, making the investment not only worth every penny but also an indispensable part of one's professional growth. If you're seeking a mentorship that goes beyond conventional boundaries and offers a holistic, supportive community, Pace Morby's program is undoubtedly a game-changer.

Taylor Nelson

[Nate Marshall]

Quote from @Account Closed:

Quote from @Taylor Nelson:

Pace Morby's mentorship is a transformative experience that transcends traditional mentor-student dynamics. It feels like joining a close-knit family where collaboration and support are paramount. The wealth of information shared is nothing short of mind-expanding, covering diverse aspects of the subject matter.

What sets this mentorship apart is not just the depth of knowledge but the genuine camaraderie among members. It creates an environment where everyone is invested in each other's success. The mentorship provides practical insights, actionable strategies, and a roadmap to navigate the complexities of the field.

Every session feels like an invaluable masterclass, with Pace Morby's wealth of experience shining through. The mentorship doesn't just meet expectations; it exceeds them, making the investment not only worth every penny but also an indispensable part of one's professional growth. If you're seeking a mentorship that goes beyond conventional boundaries and offers a holistic, supportive community, Pace Morby's program is undoubtedly a game-changer.

Taylor Nelson

@Nate Marshall: Is this copy & paste or is it AI? 

 Looks more like copy and paste. But basement dwelling incels are likely as good at AI as Porn Hub. 

[Chris Seveney]

Quote from @Account Closed:

Quote from @Taylor Nelson:

Pace Morby's mentorship is a transformative experience that transcends traditional mentor-student dynamics. It feels like joining a close-knit family where collaboration and support are paramount. The wealth of information shared is nothing short of mind-expanding, covering diverse aspects of the subject matter.

What sets this mentorship apart is not just the depth of knowledge but the genuine camaraderie among members. It creates an environment where everyone is invested in each other's success. The mentorship provides practical insights, actionable strategies, and a roadmap to navigate the complexities of the field.

Every session feels like an invaluable masterclass, with Pace Morby's wealth of experience shining through. The mentorship doesn't just meet expectations; it exceeds them, making the investment not only worth every penny but also an indispensable part of one's professional growth. If you're seeking a mentorship that goes beyond conventional boundaries and offers a holistic, supportive community, Pace Morby's program is undoubtedly a game-changer.

Taylor Nelson

@Nate Marshall: Is this copy & paste or is it AI? 

 I cannot wait for BP to give them another book deal on how to create a transformative and life altering community. 

[Cody L.]

Quote from @Taylor Nelson:

Pace Morby's mentorship is a transformative experience that transcends traditional mentor-student dynamics. It feels like joining a close-knit family where collaboration and support are paramount. The wealth of information shared is nothing short of mind-expanding, covering diverse aspects of the subject matter.

What sets this mentorship apart is not just the depth of knowledge but the genuine camaraderie among members. It creates an environment where everyone is invested in each other's success. The mentorship provides practical insights, actionable strategies, and a roadmap to navigate the complexities of the field.

Every session feels like an invaluable masterclass, with Pace Morby's wealth of experience shining through. The mentorship doesn't just meet expectations; it exceeds them, making the investment not only worth every penny but also an indispensable part of one's professional growth. If you're seeking a mentorship that goes beyond conventional boundaries and offers a holistic, supportive community, Pace Morby's program is undoubtedly a game-changer.

Taylor Nelson

 LOL this reads like a hostage video.   Blink twice if you need someone to help you.

(always comes from new accounts / first post)

[Account Closed]

Quote from @Cody L.:

Quote from @Taylor Nelson:

Pace Morby's mentorship is a transformative experience that transcends traditional mentor-student dynamics. It feels like joining a close-knit family where collaboration and support are paramount. The wealth of information shared is nothing short of mind-expanding, covering diverse aspects of the subject matter.

What sets this mentorship apart is not just the depth of knowledge but the genuine camaraderie among members. It creates an environment where everyone is invested in each other's success. The mentorship provides practical insights, actionable strategies, and a roadmap to navigate the complexities of the field.

Every session feels like an invaluable masterclass, with Pace Morby's wealth of experience shining through. The mentorship doesn't just meet expectations; it exceeds them, making the investment not only worth every penny but also an indispensable part of one's professional growth. If you're seeking a mentorship that goes beyond conventional boundaries and offers a holistic, supportive community, Pace Morby's program is undoubtedly a game-changer.

Taylor Nelson

 LOL this reads like a hostage video.   Blink twice if you need someone to help you.

(always comes from new accounts / first post)

"LOL this reads like a hostage video. Blink twice if you need someone to help you."

@Cody L.: Good one.  Lol