Stack Funding in Colorado | Swift Deal Funding
Stack (Morby Method) Funding in Colorado
Stack funding provides the cash needed at the closing table when a seller carry-back note covers the buyer’s down payment but title still requires real funds in escrow to close. We put up that cash; a recorded second-position note then repays our funds plus a flat 2.5%, often the same day through title. It’s the financing layer that makes Morby Method and subject-to deals actually close. Stack advances in Colorado typically run $30,000 to $100,000, with capacity up to $10,000,000 per transaction.
Colorado’s Front Range is fertile ground for creative finance. As Denver, Aurora and Colorado Springs prices cool from their peak, more sellers are open to carrying paper rather than holding out for a full cash payout — which is exactly the structure Stack supports. With Denver-metro single-family near $640,000, down payments are large enough that the carry-back-plus-Stack combination often beats trying to assemble all-cash.
How Stack Funding closes in Colorado
Colorado is a wet-funding state and a title-company closing state, both of which suit Stack. Wet funding means the title company disburses at signing and records the seller-carry second note right after closing, so our funds are repaid promptly — typically the same day — once that note records. No recording delay like a dry-funding state would impose.
A single Colorado title company handles the disbursement and the second-note recording. Wholesaling and creative-finance acquisitions are permitted statewide as long as you disclose your interest; there’s no wholesaler-licensing statute. Confirm the recording order and that title will record the second note as agreed, ideally reviewed by a Colorado real estate attorney given the subject-to structure.
Pricing
Flat 2.5% of the funded amount. No upfront fees — collected through the closing statement:
| 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 at least equal to the required down payment plus closing costs
- Title company prepared to record the seller-carry second-position note immediately after closing
- Written confirmation from title that the note will record as agreed
Colorado note: use a Front Range title company experienced with subject-to and seller-finance recordings.
A typical Colorado Stack scenario
A Denver investor buys a $580,000 home subject-to the existing loan, with the seller carrying a $90,000 note that covers the down payment and costs — but title needs $90,000 in escrow to close. We wire the $90,000 to a title company in the Denver Tech Center; the deal closes, and title records the seller-carry note in second position right after. That recorded note repays our $90,000 plus the flat 2.5% — $2,250 — the same day, and the investor closes a near-zero-cash acquisition.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your title company on the second-note recording.
Frequently Asked Questions
How does the recorded 2nd note work at a Colorado title company? +
Colorado is a wet-funding, title-company closing state, so the title company disburses at the table and records the seller-carry second-position note right after closing. We provide the cash needed at the table; once the second note records, it repays our funds plus the flat 2.5% — often the same day through title. There's no recording delay like you'd face in a dry-funding state. Confirm the recording sequence with your Colorado title company and a real estate attorney.
When does Stack fit a Colorado creative-finance deal? +
Stack works when a seller carry-back note covers the buyer's down payment but title still needs real cash in escrow to close — common in Front Range subject-to and seller-finance deals around Denver, Aurora and Colorado Springs. With Denver-metro single-family near $640,000, down payments are sizable, so Stack covers the gap at the table while the recorded second note repays us plus 2.5%.
How fast can you fund a Stack deal in Colorado? +
About 48 hours from a complete file. We need your purchase contract with seller-financing terms, confirmation the carry-back covers the down payment plus costs, and title's written confirmation it will record the second note as agreed. Because Colorado records and disburses promptly, the note typically repays our funds the same business day as a morning Front Range closing.
Apply for Stack Funding in Colorado
Submit your application online — same-day decisions for complete files before 2 PM Eastern.