EP 101: Why I Disagree With Pace Morby on No Equity Deals

There’s a message circulating in the creative finance world that sounds bold, confident, and advanced:

“Equity doesn’t matter. Just focus on cashflow.”

In this episode, Courtney addresses why that language — especially when applied to Subject-To deals and paired with private money can be dangerous for the average investor, ESPECIALLY a newer investor with less liquidity or assets.
This is not about attacking a person.

It’s about protecting sound investing principles.

Creative finance is powerful. Subject-To is powerful. Private money is powerful. But when elevated risk structures are taught without guardrails, nuance, and underwriting discipline, newer investors can misinterpret confidence as safety.

And that’s where real damage happens.

Courtney has been investing for over a decade as a creative Real Estate Investor, she also shares insights from nearly 100 failed creative deals she has personally reviewed or helped rescue and explains why many of them could have been avoided with stronger underwriting, equity positions, and conservative fallback planning.

ATTENTION:The information shared in this episode is for educational and informational purposes only and reflects personal experiences and opinions. It is not intended as legal, tax, financial, or investment advice. Real Estate laws, tax rules, and regulations vary by state and situation. Always consult with a qualified attorney, CPA, or other licensed professional before making any Real Estate or financial decisions.

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DM If You Have a Curative Title Lead in South Louisiana or Central Florida (Tampa Bay area)

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Pace Morby's Content Videos Referenced:

Why You Don’t Need Equity In Subto: https://www.youtube.com/watch?v=KY2HgTS3s-s&t=121s

Do I need equity on a SubTo deal?:https://www.youtube.com/watch?v=_XK-yJcOesU&t=133s