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.