Episode 403: Creative Finance Without Cash or Credit with Pace Morby

This week, Candice and Malessa sit down with Pace Morby, known as the Creative Finance Guy, who built a national portfolio by acquiring properties without traditional bank financing. From his start as a contractor to founding the SubTo community, Pace breaks down how subject-to deals work, the risks investors overlook, and why creative financing can open the door for people with limited capital or credit. Plus, the hosts unpack a growing market shift, the rise of all-cash buyers. With nearly one in three purchases happening without a mortgage, they explore how cash is reshaping competition, pricing, and access to homeownership and what it signals about the future of the housing market. Filmed as part of the Mastery of Real Estate (MORE) Network, powered by Brown Harris Stevens. Subscribe to the The Build Up:  https://podcasts.apple.com/us/podcast/the-build-up/id1716615268 Hosts: Candice Milano | @candicemilano https://www.bhsusa.com/real-estate-agent/candice-milano Malessa Rambarran | @malessa_innyc  https://www.bhsusa.com/real-estate-agent/malessa-rambarran Guest: Pace Morby | @pacemorby  Sponsor: Brian Scott Cohen of Guaranteed Rate, providing the best mortgage experience possible. | https://www.grarate.com/ Brown Harris Stevens is one of the largest privately owned real estate brokerages in the country, with more than 40 offices across four states: New York, New Jersey, Connecticut, and Florida.  https://bhsusa.com/