Stack Funding in Las Vegas, NV | Swift Deal Funding
Stack (Morby Method) Funding in Las Vegas, NV
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. Las Vegas Stack deals typically run $40,000–$150,000 funded, with capacity to $10,000,000 per transaction.
Stack fits the creative-finance side of Las Vegas’s market. With a median near $430,000 and a deep bench of investors familiar with subject-to and owner-finance structures, sellers carrying paper are common across East and North Las Vegas. Stack covers the working capital escrow needs to record the deal — while Nevada’s dry-funding model and HOA super-priority liens both shape how cleanly the second note records.
How a Stack deal closes in Las Vegas (dry-funding, record-first)
Nevada is a dry-funding escrow state, so escrow records before disbursing — nothing releases at signing. Clark County eRecording usually confirms quickly. 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 eRecords the deed, then the carry-back note in second position with Clark County.
- Once recording confirms, escrow disburses and the recorded note repays our funds plus 2.5%.
The recorded second-position note is the repayment instrument, so it must record behind a clean first. Before that, title should clear any HOA super-priority lien under NRS 116 — otherwise lien priority on the carry-back can be disturbed. Confirm assessments and the eRecording cutoff with your escrow officer.
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
- Title clear of HOA super-priority liens so the second note records cleanly
- A Las Vegas escrow agent prepared to eRecord 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 Nevada wholesaler license required.
A typical Las Vegas Stack scenario
You structure a subject-to on a North Las Vegas home where the seller carries a $70,000 note covering the down payment and costs, but escrow still needs $55,000 of real funds to close. Title confirms HOA assessments are current. We wire $55,000 into your Las Vegas escrow. The deal signs; escrow eRecords the deed and your second-position carry-back note with Clark County. Once recording clears, escrow disburses and the recorded note repays our $55,000 plus the $1,375 fee — same business day when the file is in early.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate with your Las Vegas escrow agent on the carry-back recording.
Frequently Asked Questions
How does Stack funding work with Nevada's record-first rule in Las Vegas? +
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. Nevada is a dry-funding escrow state, so the Las Vegas escrow agent records before disbursing. We wire the closing cash; escrow eRecords the deed and the second-position carry-back note with Clark County, then disburses. The recorded second note repays our funds plus the flat 2.5% — usually same business day, since Clark County eRecording confirms quickly. Confirm the recording sequence with your escrow officer.
Do HOA super-priority liens affect a Las Vegas Stack deal? +
They can. Under NRS 116, a Las Vegas HOA's unpaid assessment can carry a super-priority piece ahead of recorded liens, and our Stack repayment depends on our second-position note recording cleanly behind the first. If an HOA super-priority lien is unresolved, it can disturb lien priority on the carry-back. Your escrow agent should confirm HOA assessments are current and title is clean before recording the second note. A clean title position protects the Stack repayment structure.
Stack or Echo for a Las Vegas creative deal? +
Use Stack when seller financing is part of the structure — a seller carrying a note rather than taking full cash, common on subject-to and owner-finance deals across the valley. The carry-back must cover the down payment plus closing costs, and the second note must record behind a clean first. Use Echo when repayment comes from a large assignment fee with no seller note. Both front cash at the Las Vegas close; Stack is repaid by the recorded second note, Echo from seller proceeds.
Apply for Stack Funding in Las Vegas, NV
Submit your application online — same-day decisions for complete files before 2 PM Eastern.