Double Close Funding in Sacramento, CA | Swift Deal Funding
Double Close Funding in Sacramento, CA
Sacramento is California’s capital and one of its most active mid-priced wholesale markets, and a double close is how you protect your spread without exposing it on a settlement statement. Swift Deal Funding is a direct lender: we wire the cash for your A-to-B purchase so you buy from the seller and immediately resell to your end buyer, both legs closing the same day through one Sacramento escrow.
With a median sale price around $500,000, Sacramento is far more affordable than the Bay Area, which pulls in relocating buyers and out-of-area investors and keeps demand strong. Margins hold on value-add deals — older single-family homes in Oak Park and Del Paso Heights, and newer-stock flips and rentals in Natomas. The capital’s stable state-government employment base steadies the market through cycles. Funded amounts here commonly run $250,000 to $700,000, and we can fund up to $100,000,000+ on a single transaction. We never pull credit, verify income, or ask for tax returns.
How Double Close Funding closes in Sacramento
California is a dry-funding, escrow state. The escrow company holds the money, and it disburses only after the Sacramento County Recorder confirms the deed has recorded — nothing releases at signing. In Northern California, that escrow is often a title company’s in-house escrow department. The same-day double close has to work within that record-first sequence:
- You line up one investor-friendly Sacramento escrow to run both the A-to-B and B-to-C legs.
- We deposit our funds into that escrow before the closing date, so the money is in trust before anything records.
- The A-to-B leg signs and the deed records with Sacramento County; the seller is paid once recording is confirmed.
- The B-to-C leg records right after; your end buyer funds, you take your spread, and we’re repaid from those proceeds once that recording confirms.
Because disbursement follows recording rather than signing, your escrow’s recording cutoff decides whether both legs clear the same business day. Confirm same-day double-recording with your title-company escrow before you set the date.
Pricing
Tiered flat fee, collected on the settlement statement only when the deal closes:
| Funded Amount | Fee Rate | Example |
|---|---|---|
| Up to $1,000,000 | 1.25% | $500K deal = $6,250 |
| $1M – $10M | 1.0% | $1.5M deal = $15,000 |
| $10M+ | Custom | Contact us |
No upfront fees, no application cost. You pay only if the transaction funds and closes.
What you’ll need
- Fully executed A-to-B purchase contract (typically the CAR Residential Purchase Agreement)
- Fully executed B-to-C contract or assignment to your end buyer
- Verified end buyer with proof of funds or a financing pre-approval
- Same-day closing scheduled on both legs
- A single Sacramento-area escrow handling both transactions
No credit check, no income docs, no tax returns; California has no wholesaler-licensing statute, so disclose your assignment or equitable interest. A local note: with many buyers relocating from the Bay Area on financing, a cash or pre-approved end buyer keeps the same-day recording clean.
A typical Sacramento double close scenario
A wholesaler ties up a dated single-family home in Oak Park at $360,000 and has a fix-and-flip end buyer at $430,000. Rather than assign and show the $70,000 spread, the wholesaler books a double close at a Sacramento title company’s escrow that runs investor deals daily. We wire $360,000 into escrow before closing. The A-to-B deed records with Sacramento County, the seller is paid, and minutes later the B-to-C records with the end buyer’s $430,000. We’re repaid $360,000 plus the 1.25% fee ($4,500) from proceeds. The wholesaler nets roughly $65,500, and the seller never sees the markup.
Apply
Submit both contracts and your end buyer’s proof of funds through our online form. Most files reach wire-ready in roughly 48 hours; submit a complete file before 11 AM Eastern and we can fund the same day, with the wire going out at 9 AM.
Frequently Asked Questions
How does California's escrow recording sequence affect a double close in Sacramento? +
California is a dry-funding, escrow state, so the escrow company disburses only after the Sacramento County Recorder confirms the deed has recorded — not at signing. In NorCal, that escrow is frequently a title company's in-house escrow department rather than a standalone escrow firm. For a same-day A-to-B-to-C double close, both legs run through one escrow with our funds already in trust. The A-to-B records first, then the B-to-C, and our funded amount is repaid from B-to-C proceeds after recording. Confirm the recording cutoff with your escrow.
Are Bay Area buyers a factor for Sacramento double closes? +
Often, yes. Sacramento's affordability relative to the Bay Area pulls in remote-working buyers and out-of-area investors, which deepens your end-buyer pool — but an out-of-area buyer's financing can run on a slower timeline. A double close needs the B-to-C leg ready to record the same day, so a cash or fully pre-approved end buyer keeps it clean. We underwrite on your two contracts and verified proof of funds, not where the buyer lives. Confirm same-day recording with your Sacramento escrow.
Why double close instead of assigning a Sacramento wholesale deal? +
To keep your spread off the seller's settlement statement. Sacramento's median near $500,000 produces healthy margins on value-add property in Oak Park, Del Paso Heights, and Natomas. With an assignment, your fee shows on the closing docs; with a double close, the A-to-B and B-to-C are separate transactions at one escrow. We wire the A-to-B funds, you resell, and we're repaid from B-to-C proceeds after recording. Most Sacramento deals fall in the 1.25% tier. Confirm disclosure language with a California attorney.
Apply for Double Close Funding in Sacramento, CA
Submit your application online — same-day decisions for complete files before 2 PM Eastern.