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Wealth without Cash: Supercharge Your Real Estate Investing with Subject-to, Seller Financing, and Other Creative Deals
#2 WALL STREET JOURNAL BESTSELLER
“Contrary to what most people think, getting started in real estate doesn’t require money, and Pace proves it in this amazing book!”
—Grant Cardone, New York Times best-selling author of The 10X Rule
Close MORE real estate deals in LESS time for LESS money—creative financing is a great tactic for advanced investors in high-interest environments!
Creative deals are the fastest and cheapest way to supercharge your real estate investment portfolio, and Pace Morby—TV host of A&E’s Triple Digit Flip and a real estate investing influencer with more than a million followers—will guide you through these innovative strategies. From seller finance and subject-to, creative finance helped him acquire more than 1,000 properties and $150 million in assets without using his own cash. Whether you’re just getting started as an investor or already have a real estate business, this book will fully prepare you to find off-market leads, uncover sellers’ motivations, negotiate with confidence, close more deals, build a team, and much more. Wealth without Cash has everything you need to become a millionaire investor without utilizing your own capital. In this book, you
“Contrary to what most people think, getting started in real estate doesn’t require money, and Pace proves it in this amazing book!”
—Grant Cardone, New York Times best-selling author of The 10X Rule
Close MORE real estate deals in LESS time for LESS money—creative financing is a great tactic for advanced investors in high-interest environments!
Creative deals are the fastest and cheapest way to supercharge your real estate investment portfolio, and Pace Morby—TV host of A&E’s Triple Digit Flip and a real estate investing influencer with more than a million followers—will guide you through these innovative strategies. From seller finance and subject-to, creative finance helped him acquire more than 1,000 properties and $150 million in assets without using his own cash. Whether you’re just getting started as an investor or already have a real estate business, this book will fully prepare you to find off-market leads, uncover sellers’ motivations, negotiate with confidence, close more deals, build a team, and much more. Wealth without Cash has everything you need to become a millionaire investor without utilizing your own capital. In this book, you
248 pages, Hardcover
Published May 2, 2023
262 people are currently reading
1996 people want to read
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Displaying 1 - 21 of 21 reviews
October 31, 2023
Good overview of creative real estate financing. Subject-to, wraps, lease options, seller finance, etc.
March 14, 2024
This book contains many creative financing ideas that can be applied to sales even beyond real estate. However, in my opinion most of the ideas are practical only for people looking to get into real estate investing full time at scale.
July 29, 2023
〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️
✊ Page 133. $10 per square foot formula for Airbnb costs!
✊ War chest = 3x mortgage payments and add another $2,500 for renovations. ‼️‼️‼️
Path of progress ✊✊✊
This is where investors and homeowners are coming in and turning the old into new. They are buying older homes, painting them, working on the curb appeal, and expanding the neighborhood.
✊ If you never give up and you always look for a solution to seemingly unsolvable problems, you’ll be the last one standing when it’s time to cash in the deal! ✊✊
Find the bunnies 🐰🐰🐰🐰🐰
✊✊✊ YOU SHOULD BE UNCOMFORTABLE!! Don’t worry about being embarrassed. Don’t worry about making mistakes. That’s how you learn and grow. You should be out there making mistakes! Page 223
VA: 🙋♂️🙋♂️🙋♂️
StartVirtual
Ask for expired listings with itch the last 60-90 days, and then you can skip trace this list, which will get all of the owners’ phone numbers.
Mailing vacant, owned for 10 years, and a value less than $350,000
The best time for texting is weekdays from 4-7 pm
You don’t need to know every single step. You just need to know the next step.
✊✊ “Even though I’m probably not your buyer, is there anything I can do to help?”
You’ll learn this whole business is helping people and solving problems.
✊ Your goal is to find the bunnies and solve their unsolvable problems.
⚾️⚾️⚾️ You will strike out more than you get hits, and every season is made up of home runs, singles, doubles, triples, and groundouts. It’s all apart of the game!!
As a leader, it’s your responsibility to carry the torch forward and lead with a vision!
✊✊”If you’re willing to take payments, I’m willing to pay more than anyone else”.
This is important. I said take over payments, not assume!!
5 reasons people buy real estate:
1) positive cash flow
2) deprecation
3) appreciation
4) mortgage pay down
5) leverage
✊ If you’re building a brand in the real estate niche on social media, you’re going to need interesting stories to tell so people notice you, your business and your skill sets.
Cash flow is my main priority!!
“You have to do deals in places where people are consistently moving to and consistently renovating properties.”
✊ For many new investors, I recommend finding their first property in their local market!!
Trader Joe’s, IKEA, Chick-fil-A! These companies are looking for population density as opposed to locations on every corner!
Where do tired landlords come from? A lot of people are able to get 5-20 properties over the course of their investing career, but they aren’t able to scale. They try to manage everything themselves and end up getting tired of deadline with tenants and toilets. You have to learn how to scale, factor in Managment, and learn to grow a business, not just a side hustle. It’s worth a management fee not to fall into this trap. ✊✊✊
✊ Bring in some leverage so you can focus on the aspects of the business you do best.
Cash 💰 flow is #1!
Your job is to figure out why they want to sell!
For the most part, these initial negotiations are not about convincing someone to sell. They’re about educating someone.
✊ The main goal is to fix the sellers problem.
✊ Performance deed - if I’m 30 days behind, you’ll automatically get the deed back.
✊ The more you know, the more options you have.
✊ I always give as much information as possible online, and I often end up partnering with followers to do deals.
✊ What are you struggling with and how can I help?
✊ The more tools in your tool belt, the better your business will be. 💲💲💲💲💲💲
✊ How are other real estate investors or realtors treating you?
✊ Your job is to educate, not just close the deal.
✊ It’s time to build your team!! Your first hire should be a VA!
✊ Page 205!! My why! Which would be the ability to live life without being attached to my cell phone.
The secret to success is service. No matter where you are in your business, if you consistently show up and help other people, success is in your future.
🙋♂️”to this day, If you come to Arizona, you will not find a single person who said Pace Morby burned them on a deal”
✊✊✊✊✊ If you’re constantly around people who tell you something is impossible, you’re eventually going to believe it yourself. But if you’re around people who are chasing goals, finding results, and growing as people, you will grow as well.
Always push the momentum train forward! You should love to do the hard things. The hard things are your ticket to success, because the line to do hard things is nonexistent. No one is standing on the hard work stairs because everyone is looking for the short cut escalator. Let everyone else complain!
Improve your environment!
💲💲✊✊ Continue the journey despite the results. Then the results will arrive on their own. Consistency. In every single facet of life, is the key to success.
✊ I look for deals on dead lists and in impossible situations.
✊ Page 133. $10 per square foot formula for Airbnb costs!
✊ War chest = 3x mortgage payments and add another $2,500 for renovations. ‼️‼️‼️
Path of progress ✊✊✊
This is where investors and homeowners are coming in and turning the old into new. They are buying older homes, painting them, working on the curb appeal, and expanding the neighborhood.
✊ If you never give up and you always look for a solution to seemingly unsolvable problems, you’ll be the last one standing when it’s time to cash in the deal! ✊✊
Find the bunnies 🐰🐰🐰🐰🐰
✊✊✊ YOU SHOULD BE UNCOMFORTABLE!! Don’t worry about being embarrassed. Don’t worry about making mistakes. That’s how you learn and grow. You should be out there making mistakes! Page 223
VA: 🙋♂️🙋♂️🙋♂️
StartVirtual
Ask for expired listings with itch the last 60-90 days, and then you can skip trace this list, which will get all of the owners’ phone numbers.
Mailing vacant, owned for 10 years, and a value less than $350,000
The best time for texting is weekdays from 4-7 pm
You don’t need to know every single step. You just need to know the next step.
✊✊ “Even though I’m probably not your buyer, is there anything I can do to help?”
You’ll learn this whole business is helping people and solving problems.
✊ Your goal is to find the bunnies and solve their unsolvable problems.
⚾️⚾️⚾️ You will strike out more than you get hits, and every season is made up of home runs, singles, doubles, triples, and groundouts. It’s all apart of the game!!
As a leader, it’s your responsibility to carry the torch forward and lead with a vision!
✊✊”If you’re willing to take payments, I’m willing to pay more than anyone else”.
This is important. I said take over payments, not assume!!
5 reasons people buy real estate:
1) positive cash flow
2) deprecation
3) appreciation
4) mortgage pay down
5) leverage
✊ If you’re building a brand in the real estate niche on social media, you’re going to need interesting stories to tell so people notice you, your business and your skill sets.
Cash flow is my main priority!!
“You have to do deals in places where people are consistently moving to and consistently renovating properties.”
✊ For many new investors, I recommend finding their first property in their local market!!
Trader Joe’s, IKEA, Chick-fil-A! These companies are looking for population density as opposed to locations on every corner!
Where do tired landlords come from? A lot of people are able to get 5-20 properties over the course of their investing career, but they aren’t able to scale. They try to manage everything themselves and end up getting tired of deadline with tenants and toilets. You have to learn how to scale, factor in Managment, and learn to grow a business, not just a side hustle. It’s worth a management fee not to fall into this trap. ✊✊✊
✊ Bring in some leverage so you can focus on the aspects of the business you do best.
Cash 💰 flow is #1!
Your job is to figure out why they want to sell!
For the most part, these initial negotiations are not about convincing someone to sell. They’re about educating someone.
✊ The main goal is to fix the sellers problem.
✊ Performance deed - if I’m 30 days behind, you’ll automatically get the deed back.
✊ The more you know, the more options you have.
✊ I always give as much information as possible online, and I often end up partnering with followers to do deals.
✊ What are you struggling with and how can I help?
✊ The more tools in your tool belt, the better your business will be. 💲💲💲💲💲💲
✊ How are other real estate investors or realtors treating you?
✊ Your job is to educate, not just close the deal.
✊ It’s time to build your team!! Your first hire should be a VA!
✊ Page 205!! My why! Which would be the ability to live life without being attached to my cell phone.
The secret to success is service. No matter where you are in your business, if you consistently show up and help other people, success is in your future.
🙋♂️”to this day, If you come to Arizona, you will not find a single person who said Pace Morby burned them on a deal”
✊✊✊✊✊ If you’re constantly around people who tell you something is impossible, you’re eventually going to believe it yourself. But if you’re around people who are chasing goals, finding results, and growing as people, you will grow as well.
Always push the momentum train forward! You should love to do the hard things. The hard things are your ticket to success, because the line to do hard things is nonexistent. No one is standing on the hard work stairs because everyone is looking for the short cut escalator. Let everyone else complain!
Improve your environment!
💲💲✊✊ Continue the journey despite the results. Then the results will arrive on their own. Consistency. In every single facet of life, is the key to success.
✊ I look for deals on dead lists and in impossible situations.
This entire review has been hidden because of spoilers.
May 18, 2024
Someone recommended I read a book by this author recently, and I enjoyed it. I have never done a real estate transaction with seller financing, but I see how it could be a powerful strategy in the right situation. I appreciated how the author filled this book with stories and real examples. That made it easier to connect to the content. Like everything else, you need to keep learning if you want to become better at things, so I think this is a valuable read if you are interested in real estate investing.
July 6, 2023
My husband found Pace and has been talking about creative finance ever since so I read this to start learning. Some of the contents were over my head since I’m brand new to anything real estate investing, however I can see this being an excellent resource for the future. He makes it seem doable - the steps are laid out, it’s up to you to do the work. If you’re at all interested in real estate investing, this is a great addition to your toolkit
August 1, 2024
This book taught me so much about real estate and the creative aspects of investing. It goes into many great topics and subjects in real estate such as seller financing, sub to, and lease options. Also, goes over great tips when starting a business and creating an LLC. One of my favorite books about real estate!
November 17, 2023
Pace is amazing at story telling as it relates to real estate. He is definitely a teacher who explains complex jargon and make it easy to comprehend. Pace has created a niche for building wealth the non-traditional route with actionable blueprints.
April 20, 2024
Great book!
It’s a great book. Creative financing a great way to acquire loads of properties. I recommend everyone read it, especially those who want to start real estate business.
It’s a great book. Creative financing a great way to acquire loads of properties. I recommend everyone read it, especially those who want to start real estate business.
November 5, 2024
Excellent explanation of creative financing strategies. Contains some great examples. This is an overview of the strategies with great examples. If you are planning to use these strategies, recommend with someone like Pace or his Team to ensure everything is done with minimal risks.
June 28, 2023
There is a lot of good knowledge in this book. It was a bit difficult to occasionally read for me but overall very useful.
September 21, 2023
Loved this. Opened my eyes to creative financing which is especially valuable in 2023 with such high interest rates. 5 stars!
June 6, 2024
Right up there with "Rich Dad, Poor Dad" as far as real estate books go! 10/10
September 30, 2024
Excellent instruction with entertaining stories along the way. Pace is very engaging throughout to book. He is the authority in this space. Enjoy!
January 8, 2025
This gives you an entire set of options for Creative Financing! I really enjoyed this.
January 9, 2025
This book breaks down how to do seller finance deals in a simple fashion and in a way that is easy to understand.
March 7, 2025
Great book on creative financing. Enjoyed it and hope to return to a few chapters here shortly. Big takeaway - take action before you’re an expert, find your lane and stay in it sooner than later.
July 7, 2023
creative financing=solving ppl’s problems in unconventional ways
Excellent read, highly insightful It had made me rethink the way I would proceed with real estate I highly recommend
Excellent read, highly insightful It had made me rethink the way I would proceed with real estate I highly recommend
January 8, 2024
Great book with the ability to adjust your mindset
This book is very helpful for people trying to think outside the box of the normal retail method. There are many paths to buying and selling beyond a normal realtor process. And that process doesn’t work for every homeowner.
This book is very helpful for people trying to think outside the box of the normal retail method. There are many paths to buying and selling beyond a normal realtor process. And that process doesn’t work for every homeowner.
June 5, 2023
Life changing!
Pace Morby, you are the man.
If followed, the words in this book have the power to create generational wealth.
Pace Morby, you are the man.
If followed, the words in this book have the power to create generational wealth.
July 4, 2023
Really good book & encouraging!!! I learned so much!
“Here’s the other good news: You don’t have to be an expert to get started.”
“Here’s the other good news: You don’t have to be an expert to get started.”
August 20, 2023
Want value? Start here.
This book gives you info. After that you just gotta move.
Sperate thought did you know about the review word limit?
This book gives you info. After that you just gotta move.
Sperate thought did you know about the review word limit?
Displaying 1 - 21 of 21 reviews