Stack Funding in Dayton, OH | Swift Deal Funding
Stack Funding in Dayton, OH
Stack funding — built on the Morby Method — supplies the cash a Dayton closing needs at the table when a seller carry-back note covers the buyer’s down payment but the closing still requires real funds to complete. The recorded seller-carry note then repays our funds plus a flat 2.5%, often same-day. It’s the right tool for creative-finance and subject-to deals across Dayton, where owners of cash-flowing rentals near Wright-Patterson and equity-rich Belmont landlords often prefer keeping a payment stream over a modest cash payout. Capacity runs up to $10 million per transaction.
How Stack funding closes in Dayton
Ohio is a wet-funding, title-company closing state — the title and escrow office conducts the closing and records the seller-carry second-position note, with no attorney required. The seller agrees to a carry-back covering the down payment and costs. On closing day we wire the cash needed at the table; the title company closes the deal, records the note in second position, and that note repays our funds plus 2.5% — typically same-day through escrow. Standard turnaround is about 48 hours from a complete file. Confirm in writing that the title office will record the note as agreed.
Pricing
Flat 2.5% of the funded amount, collected through the settlement statement. No upfront fees.
| Funded amount | Fee |
|---|---|
| $22,000 | $550 |
| $45,000 | $1,125 |
| Up to $10,000,000 | 2.5% flat |
What you’ll need
- Executed purchase contract with seller-financing terms
- A carry-back amount that covers the required down payment plus closing costs
- A Montgomery County title company ready to record the second-position note immediately after closing
- Written confirmation from the title office that the note will be recorded as agreed
No credit check, income verification, or tax returns.
A typical Dayton Stack scenario
An owner of a cash-flowing $125,000 rental near Wright-Patterson agrees to a subject-to/seller-carry deal, preferring to keep a monthly payment stream. The carry-back covers the $22,000 the buyer would otherwise bring as a down payment, but the closing needs that cash present to fund. We wire $22,000 on closing day; the Montgomery County title company closes the deal, records the second note, and it repays us $22,000 plus a $550 fee (2.5%) — typically same-day. The seller collects payments, the buyer needed little cash, and you keep the spread.
Apply
Send your purchase contract and seller-financing terms online — we coordinate the carry-back recording directly with your Montgomery County title company.
Frequently Asked Questions
Who records the second note on a Dayton Stack deal? +
Your Montgomery County title and escrow company records the seller-carry second-position note. Ohio is a title-company closing state, so the title office both conducts the closing and records the instrument — no attorney required. We provide the cash needed at the table on closing day, and the recorded second note repays our funds plus a flat 2.5%, often same-day through escrow. Confirm in writing that the title office will record the note in second position exactly as agreed before you schedule the closing.
What Dayton deals fit Stack funding? +
Stack fits creative-finance structures where a motivated seller carries back a note covering the buyer's down payment, but the closing still needs real funds at the table. In Dayton that often appears with owners of cash-flowing rentals near Wright-Patterson who'd rather keep a monthly income stream than cash out on a low-priced sale, or equity-rich Belmont owners open to seller financing. If there's a large assignment fee instead, Echo is usually the better tool. We never pull credit, income, or tax records.
How is Stack different from a double close in Dayton? +
A double close has us fund the full A-to-B purchase, repaid from the end buyer's proceeds at the same closing — good for protecting a wide percentage spread on a Dayton flip. Stack is for seller-financed deals: the carry-back covers the down payment, we supply only the cash the closing needs, and a recorded second-position note repays us afterward. Both close at a Montgomery County title company under Ohio wet-funding rules, but Stack hinges on the seller-financing terms and the title office recording the note immediately after closing.
Apply for Stack Funding in Dayton, OH
Submit your application online — same-day decisions for complete files before 2 PM Eastern.