Top Tier TC Review (2026): Can You Really Build a Six-Figure Career as a Real Estate Transaction Coordinator?

Most “make money in real estate” pitches tell you to flip houses or wholesale. Top Tier TC takes a different angle entirely: become the person who keeps every deal together from contract to closing, and get paid on every transaction without ever owning property, needing a license in most states, or taking on any risk. It’s run by Molly Tennant, a transaction coordinator best known in the Pace Morby/Subto creative financing world. In this review, I’ll break down what Top Tier TC actually teaches, who it’s for, what it costs, and whether it’s a realistic path to a real income.

Full disclosure: I’m a Top Tier TC affiliate, so if you join through my links I may earn a commission at no extra cost to you. That doesn’t change the honest breakdown below.

What Is Top Tier TC?

Top Tier TC is a training community and mentorship for people who want to become transaction coordinators in real estate — and specifically, it’s the first community that teaches the creative side of transactions: subject-to deals, owner financing, wraps, and lease options, not just traditional financed purchases.

A transaction coordinator (TC) is the operator who manages a deal after it’s under contract: deadlines, documents, title and escrow communication, lender follow-ups, signatures, and making sure everyone actually closes. Investors and agents pay per closed transaction, typically a few hundred dollars per file, and a busy TC in creative finance can run many files at once.

The pitch is simple: real estate deals don’t close themselves, and the people who keep them together get paid on every single one. Molly’s claim to fame is being the TC behind hundreds of millions of dollars in creative finance deals, and Top Tier TC packages what she knows into a career path.

What You Actually Get with Top Tier TC

• The training. A structured path from “what is a TC” through contracts, timelines, title and escrow coordination, and creative finance paperwork.
• Weekly live calls. Zoom sessions with the community where you can ask questions and walk through real, live deals.
• The client network. This is the part almost no competitor offers: Top Tier pairs its students with creative finance investors who need TCs. The community includes investors actively looking for help. Most TC trainings teach you the skill and wish you luck finding clients.
• Hands-on experience. Structured practice running real transactions so your first paying client isn’t also your first-ever file.
• Mentorship from someone doing it at scale. Molly is known in the Subto ecosystem as the TC standard, and the training reflects what active deals actually demand.

What Top Tier TC Does Well

1. It targets a real, underserved niche. Traditional TC training is easy to find. But creative finance transactions — subject-to, wraps, owner financing — have unusual paperwork, unusual title requirements, and unusual closing dynamics. Very few TCs understand them. If you become the creative-finance TC in your market, investors beat a path to your door, because their deals die without someone competent running the file.

2. The demand-side connection solves the hardest problem. Ask any freelancer what the hardest part is: not the skill, the clients. By pairing students directly with a community of creative investors, Top Tier attacks the actual failure point of most trainings.

3. No license, no capital, no risk. You’re not buying houses, borrowing money, or taking title. You’re providing a service that gets paid per closed deal. For someone who wants a real estate career but has no capital and doesn’t want to cold call sellers, TC work is one of the few honest entry points.

4. The income math is plausible. A few hundred dollars per file times multiple files per month is a real business. It’s not passive income — you will work — but it’s leveraged work where your systems, not your capital, compound.

Where Top Tier TC Falls Short

• It’s a career change, not a side hustle you can ignore. Being a good TC means deadlines, details, and chasing people who don’t respond. If spreadsheets and follow-ups make you miserable, this is not your path, no matter how good the training is.
• Mentorships cost real money. Like Subto, this is a high-ticket education product. Check current pricing on the application page, and don’t buy it if you’re not committed to actually working files.
• Your first months are slow. Even with a client network, you’ll start with one or two files while you learn. The six-figure claims come from TCs who’ve built systems and reputation over a year or more.
• State nuances matter. TC rules and licensing edges vary by state. The training covers this, but you’re responsible for operating correctly where you live.
• The hype exists here too. “Six-figure career” is on their homepage. It’s achievable — many TCs do it — but the average person who buys and doesn’t show up consistently earns nothing.

Who Top Tier TC Is Right For

Top Tier TC makes sense if you:

• Want a real estate career without capital, credit, or risk
• Are detail-obsessed and good at chasing things down
• Are already in the Subto/creative finance ecosystem and want a service-based income from it
• Are a wholesaler or investor’s spouse/partner who wants to run the files instead of the marketing

Skip it if you want passive income, hate admin work, or won’t commit to learning contracts and timelines properly. Half-learning this job puts real deals at risk, and investors drop bad TCs fast.

How I’d Approach Top Tier TC If Starting Today

1. Watch the free webinar first — Molly and Pace walk through exactly what a TC does day to day
2. Confirm you actually like the work: open a sample contract and timeline and see if your brain says “finally” or “no thanks”
3. Join, and go all-in on the live calls; the community is where clients come from
4. Volunteer to run your first files for a busy investor at a discount to build reviews and testimonials
5. Niche down as the “creative finance TC” — that’s the highest-demand, lowest-competition position in the entire TC world

Verdict

4 out of 5. Top Tier TC is the only serious training ground for creative-finance transaction coordination, and its investor network fixes the client-acquisition problem that kills most TC careers. It demands real work and real attention to detail, but for the right person — organized, consistent, drawn to real estate but short on capital — it’s one of the most legitimate career paths in the industry. Molly built the standard for this niche; the training reflects it.

Top Tier TC is the transaction coordination team real estate investors use when deal volume starts eating their week. They handle the contract-to-close grind, paperwork, deadlines, compliance, and communicating with title, buyers, and sellers, so your deals actually get to the closing table without you chasing every detail. If you’re wholesaling or doing creative finance deals, this is what lets you stack more contracts without things falling through the cracks.

A good transaction coordinator is cheap compared to one deal dying from a missed signature. Start them on your next contract and see the difference in your stress level alone.

GET TOP TIER TC ON YOUR NEXT DEAL