What happens when a newly married restaurant worker from Peru is told he can’t qualify for a traditional home loan? For Andre Martinez, that roadblock sparked a Google search that changed his life. Within days, he discovered Pace Morby’s creative financing strategies, joined the SubTo community, and landed his first deal in just two weeks.

But Andre’s path wasn’t easy—nine months without a paycheck, getting fired multiple times, nearly quitting real estate, and surviving a nightmare first renovation where everything that could go wrong… did. Through grit, relentless action, and learning from every setback, Andre built a thriving co-living portfolio that now cashflows thousands each month and freed him from his W-2.

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