Stack Funding in Georgia | Swift Deal Funding
Stack (Morby Method) Funding in Georgia
Stack funding provides the cash needed at the closing table when a seller carry-back note covers the buyer’s down payment but the closing still requires real funds in escrow. We put up that cash; a recorded second-position note then repays our funds plus a flat 2.5%, often the same day. It’s the layer that makes Morby Method and subject-to deals close in Georgia. Stack advances here typically run $30,000 to $100,000, with capacity up to $10,000,000 per transaction.
Atlanta isn’t just a top-three wholesale market — it’s also one of the largest creative-finance hubs in the country, with active subject-to and seller-finance communities across Fulton, DeKalb, Gwinnett, Cobb and Clayton counties. With a statewide median around $360,000 and metro Atlanta in the $390,000–$425,000 range, down payments are meaningful, and pairing a seller carry-back with Stack often makes a subject-to deal pencil where all-cash wouldn’t.
How Stack Funding closes in Georgia
Georgia is a wet-funding state and an attorney-closing state. Wet funding means proceeds disburse at signing, and a licensed Georgia attorney both conducts the closing and records the seller-carry second note right after — a title company cannot close the table here, which is the key fact for Atlanta investors. Our funds are repaid promptly once that note records, typically the same day.
One attorney controlling disbursement and recording keeps second-position priority and repayment clean in a subject-to structure. Creative-finance acquisitions are permitted statewide if you disclose your interest; there’s no wholesaler-licensing statute. Confirm the recording order and second-position priority with your Georgia closing attorney.
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
- Closing attorney prepared to record the seller-carry second-position note immediately after closing
- Written confirmation from the attorney that the note will record as agreed
Georgia note: Atlanta has many attorneys who close subject-to and seller-finance deals — pick one who handles second-position recordings.
A typical Georgia Stack scenario
An Atlanta investor buys a $385,000 home in Smyrna (Cobb County) subject-to the existing loan, with the seller carrying a $62,000 note covering the down payment and costs — but the closing needs $62,000 in escrow. We wire $62,000 to the closing attorney’s escrow account; the deal closes, and the attorney records the seller-carry note in second position. That recorded note repays our $62,000 plus the flat 2.5% — $1,550 — the same day, and the investor closes with almost no cash out of pocket.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your closing attorney on the second-note recording.
Frequently Asked Questions
How does the recorded 2nd note work with a Georgia attorney closing? +
Georgia is an attorney-closing, wet-funding state, so a licensed Georgia attorney must conduct the closing — a title company cannot close the table on its own. The attorney disburses from escrow 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. Confirm the recording sequence and second-position priority with your Georgia closing attorney.
When does Stack fit an Atlanta creative-finance deal? +
Stack works when a seller carry-back covers the buyer's down payment but the closing still needs real cash in escrow. Atlanta has a large creative-finance and subject-to community across Fulton, DeKalb, Gwinnett, Cobb and Clayton counties. With a statewide median around $360,000 and metro Atlanta near $390,000 to $425,000, the carry-back-plus-Stack structure lets investors close subject-to and seller-finance deals without the full down payment in cash.
How fast can you fund a Stack deal in Georgia? +
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 the closing attorney's written confirmation that the second note will record as agreed. Because a Georgia attorney handles both disbursement and recording, coordinate the timing so the note records and repays our funds the same business day.
Apply for Stack Funding in Georgia
Submit your application online — same-day decisions for complete files before 2 PM Eastern.