Subto
Learn Creative Financing with Subto by Pace Morby
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.
05/03/2026
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.
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! 💙
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.
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