SubTo vs Wealthy Investor: reported cost, size and what's included (2026)
An even-handed, sourced comparison. Neither program is affiliated with REI Boss.
| SubTo | Wealthy Investor | |
|---|---|---|
| Run by | Pace Morby | Ryan Pineda |
| Type | coaching program | coaching program |
| Reported price | Sources conflict: Accelerator $9,800 (or $2,450/mo x 4), Executive $11,800, Master $15,800, Elite $18,800 (Real Estate Bees, Apr 20, 2026) vs a $7,800 to $19,000 range (Ark7, Sep 11, 2026). SubTo does not publish official pricing. (source) | About $8,000, $15,000 and $25,000 a year across three tiers; no refunds (source) |
| Software included | The Standard tier reportedly includes a CRM whose vendor is not publicly named. | Not stated |
| Who it serves | beginner — mostly people learning creative finance and subject-to deals, with a share moving into early-operator volume. | beginner — newer investors learning wholesaling and rentals, with some moving into early-operator volume. |
SubTo
SubTo is Pace Morby's paid creative-finance community, focused on subject-to deals. It is the largest documented paid community in the operator tier of this research. SubTo does not publish its prices, so every figure here comes from third-party review sites, and those sites disagree: Real Estate Bees lists four tiers from $9,800 to $18,800, while Ark7 reports a $7,800 to $19,000 range. Ark7 also reports more than 10,000 members, more than 20 live Zoom sessions a week, a private Facebook group and a Discord. Ark7 says the Standard tier bundles AstroFlipping access, VA support, a transaction coordinator and a CRM whose vendor is not publicly named. Subject-to deals also carry structural legal scrutiny, so anyone evaluating the program should read its terms closely.
Wealthy Investor
Wealthy Investor is Ryan Pineda's real estate education company, founded in 2018 according to The Juice. Ark7 reports three yearly tiers at about $8,000, $15,000 and $25,000 and says the program does not offer refunds. Ark7 also reports mixed Better Business Bureau reviews. Wealthy Investor sits inside a wider Pineda portfolio that includes Homerun Offer, TrueBooks, Pineda Capital, Wealthy Way and Pineda Company. In 2026 he also announced the Cashflow 2.0 System, Mastermind19, The Forge and Tentmakers. Other hosts have framed him as quitting wholesaling, but his own feed still publishes real estate how-to episodes in 2026, so the accurate description is that he is diversifying.
Whether you go with SubTo or Wealthy Investor, the program teaches the strategy. Running it as a business is what decides whether the strategy keeps paying: every lead in one pipeline, follow-up that never slips, and a weekly meeting that looks at real numbers. REI Boss is an operating system built for exactly that stage.
REI Boss describes itself as the first agentic operating system for real estate investors: operations, KPIs, acquisitions, dispositions, pipelines, scripts, Momentum Meetings, Rocks and projects, with an AI Chief of Staff. Learn more at reiboss.io.