In this episode of Get Creative, host Justin sits down with Tracy Koa and Dustin—co-living operators from the SubTo community—who are scaling from proven PadSplit deals to ground-up 10-bed/10-bath co-living new builds in Texas. They unpack how they fractionally raised ~$300K from ~30 equity partners, structured financing with DSCR loans and a credit sponsor, leveraged PadSplit’s marketing + member pipeline, and why Texas zoning and pre-approved plans let them move fast.Connect with Dustin: https://www.instagram.com/dustin__geroski/Connect with Tracy: https://www.instagram.com/tracykoa/➡️ Split your Pad with the Co-Living Model: http://padsplit.com/pacemorby ➡️ Find Out How One Multifamily Deal Could Change your Life: https://subto.sjv.io/JKNB7E ➡️ Meet Pace on the Creative Nation Tour: https://bit.ly/GetCreativeNationTour➡️ Download the Free SubTo A-Z e-book: https://subto.sjv.io/qzd0Vb ➡️ Get the CRM that will take you further: https://www.gohighlevel.com/pace➡️ Use Creative Listing for FREE to buy and sell creatively: https://bit.ly/CreativeListing➡️ Join the SubTo Community: https://subto.sjv.io/RG6EDb➡️ Become a Top Tier Transaction Coordinator: https://toptiertc.pxf.io/yqmoxW➡️ Discover the Gator Method: https://gator.sjv.io/6yYWBG ➡️ Get to the SquadUp Summit Conference: https://bit.ly/GetToSquadUpSummitCOMMUNITY MEMBERS!➡️ Get Featured on the Get Creative Podcast: https://bit.ly/GetCreativeGuestFormRefer a Friend to SubTo: refer.nre.ai/subtoRefer a Friend to TTTC: refer.nre.ai/tttcRefer a Friend to Gator: refer.nre.ai/gatorPLUG IN & SUBSCRIBECreative Real Estate Facebook Group: https://www.facebook.com/groups/creativefinancewithpacemorbyInstagram: https://www.instagram.com/pacemorby/ YouTube: https://www.youtube.com/@PaceMorbyTikTok: https://www.tiktok.com/@pacemorby X: https://x.com/PaceJordanMorbyThe Pace Morby Show: https://www.youtube.com/@thepacemorbyshow