Stack Funding in Chandler, AZ | Swift Deal Funding
Stack (Morby Method) Funding in Chandler, AZ
Stack funding provides the cash needed at the closing table when a seller carry-back note covers the buyer’s down payment but escrow still requires real funds to close. The recorded second-position note repays our funds plus a flat 2.5% fee — often the same business day. Chandler Stack deals typically run $45,000–$160,000 funded, with capacity to $10,000,000 per transaction.
Stack fits Chandler well because of its equity. With a median near $500,000 and a strong tech economy anchored by Intel’s Ocotillo campus, many owners hold substantial equity and will carry paper to defer a full cash payout — opening the door to subject-to and owner-finance structures even in master-planned communities. Stack covers the working capital escrow needs to record the deal.
How a Stack deal closes in Chandler (dry-funding, record-first)
Arizona is a dry-funding escrow state, which shapes the entire Stack timeline. The Chandler escrow agent records before disbursing — funds never release at signing. The sequence:
- The deal is structured with a seller carry-back covering down payment + closing costs.
- We wire the cash needed to close into escrow.
- The deal signs; escrow records the deed, then the carry-back note in second position with Maricopa County.
- Once recording confirms, escrow disburses and the recorded second note repays our funds plus 2.5%.
The recorded second-position note is the repayment instrument, so recording is non-negotiable — and because Arizona disburses post-recording, your escrow agent’s Maricopa County recording cutoff governs whether it clears same day. In master-planned communities, get HOA transfer documents in early too.
Pricing
Flat 2.5% of the funded amount, collected on the settlement statement. No upfront fees.
| Funded Amount | Fee |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
| Up to $10,000,000 | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back ≥ required down payment + closing costs
- A Chandler escrow agent prepared to record the second-position note immediately after closing
- Written confirmation from escrow that the note will be recorded as agreed
No credit check, income verification, or tax returns; no Arizona wholesaler license required.
A typical Chandler Stack scenario
You structure an owner-finance deal on a Fulton Ranch-area home where the seller carries a $70,000 note covering the down payment and costs, but escrow still needs $60,000 of real funds to close. We wire the $60,000 into your Chandler escrow. The deal signs; escrow records the deed and your second-position carry-back note with Maricopa County. Once recording clears, escrow disburses and the recorded note repays our $60,000 plus the $1,500 fee — same business day when the file is in early.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate with your Chandler escrow agent on the carry-back recording.
Frequently Asked Questions
How does Stack funding handle Arizona's record-first escrow in Chandler? +
Stack supplies the cash needed at closing when a seller carry-back covers the buyer's down payment but escrow still needs real funds to close. Because Arizona is a dry-funding escrow state, the Chandler escrow agent records before disbursing. We wire the cash; escrow records the deed and the second-position carry-back note with Maricopa County, then disburses. The recorded second note repays our funds plus the flat 2.5% — typically same business day once recording confirms. Confirm the recording sequence with your escrow agent.
Does the seller carry-back need to be recorded for Stack to work in Chandler? +
Yes. The structure depends on the second-position carry-back note being recorded with the Maricopa County Recorder. In Arizona's record-first model, escrow records the deed first, then the carry-back note in second position, and only then disburses. That recorded note is our repayment instrument. Your Chandler escrow agent must confirm in writing they'll record the second note as agreed before we fund — that written confirmation is a core requirement.
When is Stack the right call instead of Echo on a Chandler deal? +
Use Stack when the deal has seller financing built in — an owner carrying a note rather than taking full cash, which appears when higher Chandler equity gives sellers room to defer. The carry-back must cover the down payment plus closing costs. Use Echo instead when repayment comes from a large assignment fee on a straight flip with no seller note. Both front cash at the Chandler close; Stack is repaid by the recorded second note, Echo from seller proceeds.
Apply for Stack Funding in Chandler, AZ
Submit your application online — same-day decisions for complete files before 2 PM Eastern.