Pace Morby presents creative finance as a flexible real-estate and business acquisition framework that uses terms, notes, subto, seller finance, and private capital instead of relying on cash, credit, or credentials. He illustrates it with a Zion Tiny Homes example and a personal 'bunnies' story to argue that solving seller problems and structuring payments creatively can unlock deals that traditional cash offers miss.
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This video is an introductory, high-energy lesson in Pace Morby’s concept of creative finance. He frames the topic as learning the ingredients before learning the recipes: subto, seller finance, private money, hybrids, lease options, and promissory notes are all tools that can be mixed depending on the deal. His central claim is that creative finance lets investors buy or control real estate and businesses without using cash, credit, or credentials, and that the right structure depends on the seller’s needs rather than on a fixed investor template. The main case study is Zion Tiny Homes / Zion Tiny Getaway. Pace explains how Autumn bought land near Zion National Park, partnered creatively with a tiny-home manufacturer, sold tiny homes to W2 employees seeking tax advantages, and allegedly earned referral fees and ongoing profit share. …
Immediate setup is educational: the main actionable idea is to stop defaulting to cash offers and start asking what terms the seller actually needs. The near-term risk is believing the pitch without checking legal, tax, and underwriting realities on each structure.
Over the next few weeks or months, the framework likely works best for sellers with urgency, tax sensitivity, or awkward asset types where standard financing is a poor fit. The key validation is whether the investor can combine debt, seller terms, and private capital without breaking the deal’s cash flow.
Long term, the thesis is that financing creativity becomes a durable edge in real estate and business acquisitions. The regime implication is that operators who understand debt structures and seller psychology may access more opportunities than those who compete only on price.
Creative finance is the activity of buying or controlling anything without using cash, credit, or credentials.
This is the explicit definition given early in the video.
The Zion Tiny Homes deal was structured using a mix of subject-to debt takeover, seller financing, and private capital.
Pace lays out the components of the structure in detail.
The buyer can create a promissory note by agreeing to purchase price, payment schedule, interest, and term.
He demonstrates note creation using a phone example with Ashley.
Will you learn more about this inside of your sub2 community?
Yes, but this wasn't even the deal itself — the point was just to illustrate how the deal was pieced together with creative finance.
Could you sell a portion of that note?
Yes, you could sell half the note to one person and half the note to somebody else.
Why did Kelly and Nicole structure the deal with 0% seller finance and zero payments for five years?
They needed to build up their cash. The property had been running inefficiently after Autumn found out she had cancer, and she wasn't able to get the next buyer financing. So Kelly and Nicole needed to stabilize the property for a couple of years, clean up the books, put people in place while paying themselves, and then at some point start making a payment to Autumn.
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