Stack Funding in Alaska | Swift Deal Funding
Stack Funding in Alaska
Stack — the Morby Method — covers the moment a seller-carry deal stalls: the seller is carrying the down payment with a note, but the title company still needs genuine cash sitting in escrow to close. We supply that cash, and a recorded second-position seller-carry note pays us back plus a flat 2.5%. It’s the tool for the Alaska creative-finance deal that works on structure but needs liquidity in the account. Advances here run $15,000–$50,000, with capacity to $10 million.
Alaska is a small, particular market — about 733,000 residents, with the deal flow centered on Anchorage. The seller-finance and subject-to structures Stack supports tend to surface in estate sales and motivated-seller situations where an owner sitting on equity would rather hold a note than wait out a slow market for a full cash-out. Stack lets the investor close those without freezing their own capital in escrow.
Direct lender, no credit check, no income, no tax returns. The contract and seller-financing terms are the file.
How Stack Funding closes in Alaska
Alaska runs closings through title companies and their title officers, not mandated attorneys, and the title officer is the one who handles both the disbursement and the recording. The record-first order sets the rhythm here: the officer holds our money until the recording office posts the deed, then releases it, and the second-position seller-carry note records in that same pass behind the first lien.
So the cash we send stays in escrow until recording confirms — there’s no table-side payout the way wet-funding states permit. We need the title officer’s written commitment to record the note as agreed before we fund, and the carry-back has to cover the down payment plus closing costs. Because the whole close depends on the recording office posting that day, coordinate the timing carefully with your Anchorage title officer — confirm same-day recording is realistic before you schedule.
Pricing
A flat 2.5% on the funded amount, settled on the closing statement with nothing upfront:
| Funded Amount | Fee |
|---|---|
| $30,000 | $750 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
| Up to $10,000,000 | $250,000 |
What you’ll need
- A purchase contract carrying the seller-financing terms
- A carry-back covering at least the down payment plus closing costs
- A title officer ready to record the second-position note under the record-first order
- That officer’s written commitment to record the note as agreed
A typical Alaska Stack scenario
An investor structures a seller-finance buy on a small Anchorage fourplex: the seller carries a $35,000 note covering the down payment and costs, but the title company needs $35,000 of real cash in escrow to close. We pre-position $35,000 ahead of closing. On closing day the recording office posts the deed, the title officer releases funds and records the seller-carry note in second position; that note pays us $35,875 (the $35,000 plus $875), and the investor’s own money stays free.
Apply
Send the purchase contract and seller-financing terms; we’ll coordinate the carry-back recording with your Alaska title officer and the record-first timing.
Frequently Asked Questions
How does Alaska's record-first order shape a Stack closing? +
Stack puts real money into escrow so a seller-carry deal can fund. In Alaska the title officer holds that money until the recording office posts the deed, then releases it; the second-position seller-carry note records in the same pass. So the cash we send sits in escrow until recording confirms — there's no table-side disbursement the way wet-funding states allow. Get your Anchorage title officer to map the recording window before you lock a date.
When is Stack the right move on an Alaska deal? +
When a seller agrees to carry the down payment but the title company still needs actual cash in escrow to close. In a thin market like Alaska those tend to be estate and motivated-seller situations around Anchorage where an owner with equity prefers to hold paper. We provide the escrow cash and the recorded carry-back note pays us back plus 2.5%. If the deal instead has a sizable assignment fee, Echo is usually the cleaner tool.
How quickly can Stack close in Alaska? +
With a purchase contract carrying the seller-financing terms, a carry-back that covers the down payment and costs, and a title officer ready to record the note, we're typically wire-ready in about two days — same day for clean files before 11 AM Eastern. We pre-position funds with the Anchorage title officer by 9 AM Eastern. Because Alaska records before it disburses, both the release and the note recording follow the deed posting, so build in the recording office's schedule.
Apply for Stack Funding in Alaska
Submit your application online — same-day decisions for complete files before 2 PM Eastern.