EMD Funding in Dayton, OH | Swift Deal Funding
How EMD funding works in Dayton, OH
EMD funding covers the earnest money deposit so you can lock up a Dayton property without pulling cash from your own account. We send the deposit — usually $5,000 to $25,000 — directly to the title and escrow company named in your contract, typically within 24 hours of a complete application. The deposit stays refundable per your contract’s inspection or due-diligence terms.
Dayton’s mix of low prices — a median near $140,000 — and strong, Wright-Patterson-driven rental demand means good deals attract competing investors and move fast. Funded EMD lets you lock up a workforce rental in Belmont or a value-add house in Old North Dayton the moment the numbers work, then finish due diligence without committing your own cash until you’re sure. In a market where speed wins contracts, getting earnest money in place within 24 hours is a real edge.
How EMD funding closes in Dayton
Because Ohio closings happen at title and escrow companies and the deposit is held in escrow under your contract terms, funded EMD slots in cleanly:
- Submit the executed contract, your Montgomery County title company’s contact, and your ID.
- The title company confirms to us that the deposit is refundable under your contract terms.
- We wire the earnest money over, typically within 24 hours.
- On a closed deal the deposit is credited at closing; on a termination inside your due-diligence window it is refunded.
Pricing
Two options on every EMD, the same in Dayton as everywhere:
| Option | Upfront | At Close | Best For |
|---|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD | High close-through rates |
| B | 10% of EMD (min $1,000) | 0% | Predictable per-deal cost (most popular) |
A typical $8,000 Dayton EMD under Option B costs $1,000 (the minimum), paid once, with nothing due at closing.
What you’ll need
- Fully executed purchase contract with refundable EMD language
- Montgomery County title company contact information
- Written confirmation from title that the EMD is refundable per contract terms
- Your photo ID
No credit check, no income verification, no tax returns. A local note: Dayton’s cash-flow demand draws competing investors, so funded EMD lets you lock the contract first while keeping your capital free — confirm refundable terms with your title company.
A typical Dayton EMD scenario
A wholesaler finds a workforce rental in Old North Dayton and the seller wants $8,000 earnest money to take it off the market, but two other investors are circling and the wholesaler wants to keep cash free. We confirm the deposit is refundable through the due-diligence window and wire $8,000 to the title company within 24 hours, beating the competition to the contract. Under Option B, the wholesaler pays $1,000 once. The deal is locked, the wholesaler runs due diligence and lines up a cash-flow buyer, then either assigns or terminates with the deposit refunded.
Apply
Submit your contract and title company contact online — usually under 10 minutes. Same-day wires are available for complete files in before 11 AM Eastern. We coordinate directly with your title company.
Frequently Asked Questions
How quickly can funded EMD reach a Dayton title company? +
Typically within 24 hours of a complete application. We wire your earnest money — $5,000 to $25,000 — directly to the Montgomery County title and escrow company named in your contract. As long as your purchase contract keeps the deposit refundable through your inspection or due-diligence window, you're protected if you terminate. Dayton's affordable inventory and steady rental demand mean good deals move quickly, and funded EMD lets you lock them without pulling your own cash. Confirm the refundable language with your title company before you sign.
Are earnest money deposits small on Dayton deals? +
Usually. With a median near $140,000 and a lot of sub-$120,000 workforce and distressed inventory in Belmont and East Dayton, sellers typically expect earnest money near the lower end of our $5,000 to $25,000 range. Funded EMD lets you meet that fast without tying up personal capital. Under Option B you pay a flat 10% once — for example $1,000 on an $8,000 deposit, hitting our $1,000 minimum — with nothing at closing. Confirm the deposit amount and refundable language with your title company.
Why is funded EMD useful in a high-demand market like Dayton? +
Because Dayton's cash-flow appeal — much of it tied to Wright-Patterson renters — draws plenty of competing investors, and the wholesaler who locks the contract first wins. Funded EMD gets earnest money to the title company within 24 hours so you can tie up an Old North Dayton or Belmont deal before a rival does, all while keeping your own capital free. You'll need an executed contract with refundable EMD language, a title contact, written refundability confirmation, and your ID. Confirm refundable terms with your title company.
Apply for EMD Funding in Dayton, OH
Submit your application online — same-day decisions for complete files before 2 PM Eastern.