Double Close Funding in Miami, FL | Swift Deal Funding
Double Close Funding in Miami, FL
Double close funding lets a Miami wholesaler buy from the seller (A-to-B) and resell to an end buyer (B-to-C) the same day on our capital, so your own cash stays free. Both legs run through one Miami title company, and we’re repaid from the end buyer’s proceeds at the table.
Miami is the most expensive and most internationally driven wholesale market in Florida, with a median price near $580,000 and a deep bench of cash buyers — local flippers, out-of-state funds and foreign capital all competing for the same inventory. Condos dominate large swaths of the market, from Brickell towers to mid-century buildings in Edgewater and Little Havana. Double closes here commonly fund $300,000 to $900,000, and we carry capacity past $100,000,000 for large condo and commercial B-C closings.
How Double Close closes in Miami, FL
Florida is a wet-funding state and a title-company closing state, which is close to ideal for same-day double closes. Wet funding means our money disburses at the table once documents are signed — not after recording — so the A-B and B-C legs can run back-to-back the same morning. A licensed Miami title agent runs both legs; an attorney is optional. We wire to title by 9 AM Eastern.
The Miami-specific wrinkle is the condo side. Post-Surfside, buildings undergoing milestone inspection or recertification can carry pending special assessments, and estoppel letters take time to issue. On a condo B-C leg this can affect timing more than the funding itself. Wholesaling is permitted statewide with disclosure of your equitable interest — Florida has no wholesaler-licensing statute. Confirm simultaneous-closing mechanics, estoppel turnaround and same-day disbursement with your Miami title company and a Florida attorney.
Pricing
Tiered flat fee on the funded amount, collected only at closing:
| Funded Amount | Fee |
|---|---|
| Up to $1,000,000 | 1.25% |
| $1M – $10M | 1.0% |
| $10M+ | Custom |
No upfront or application fees. You pay only if the deal funds and closes.
What you’ll need
- Fully executed A-to-B purchase contract
- Fully executed B-to-C assignment or purchase contract
- Verified end buyer with proof of funds or financing pre-approval
- Same-day closing scheduled for both legs
- A single Miami title company handling both transactions
No credit, income, or tax-return checks. Miami note: on condo deals, ask title to pull the estoppel and any special-assessment disclosures early so the B-C leg isn’t held up.
A typical Miami double close scenario
A wholesaler controls a 2/2 condo in Edgewater at $420,000 (A-to-B) and assigns it to an out-of-state cash fund at $475,000 (B-to-C). Both legs close the same morning at an investor-friendly title company off Biscayne. We wire $420,000 to title by 9 AM Eastern; the A-B leg signs, the B-C leg follows, and the buyer’s $475,000 repays our funding at the table. At the up-to-$1M tier the fee is 1.25% of $420,000 — $5,250 — leaving the wholesaler a clean spread with no transactional cash out of pocket.
Apply
Submit both contracts and your end-buyer verification online. Standard turnaround is ~48 hours; same-day wires are possible for complete files received before 11 AM Eastern.
Frequently Asked Questions
Can you double close on a Miami condo deal? +
Yes. We fund A-B-C condo wholesale deals across Miami, including resales in Brickell, Edgewater and Little Havana. The one caveat unique to Florida condos is timing: post-Surfside recertification reviews, association estoppel letters and special-assessment disclosures can slow a B-C leg if the end buyer is financed. For cash B-C buyers — common in Miami — the simultaneous A-B then B-C closing usually runs the same morning at one title company. Confirm estoppel turnaround with your title agent before scheduling.
Do international cash buyers change how a Miami double close funds? +
Not on our side. We wire your A-B leg to the Miami title company by 9 AM Eastern regardless of who the end buyer is. International buyers do add steps you should plan for: incoming-wire compliance, FIRPTA withholding when the seller is foreign, and longer fund-clearing windows. As long as the B-C buyer's funds are confirmed at the table, our capital is repaid same-day from their proceeds.
How fast can you fund a Miami double close? +
About 48 hours from a complete file, and same-day for files in before 11 AM Eastern with both contracts, a verified end buyer, proof of funds and the title commitment. Florida's wet-funding rule lets disbursement happen at the table, so a Miami double close can close same-table the same day once both legs are signed.
Apply for Double Close Funding in Miami, FL
Submit your application online — same-day decisions for complete files before 2 PM Eastern.