Stack Funding in Macon, GA | Swift Deal Funding
Stack Funding (Morby Method) in Macon, GA
Stack funding — built on the Morby Method — supplies the cash a Macon 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 fund. 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 Macon’s historic neighborhoods — Intown Macon, Vineville, and Pleasant Hill — where long-tenured, equity-rich owners often prefer payments over a full cash payout. Capacity runs up to $10 million per transaction.
How Stack funding closes in Macon
Georgia is a wet-funding state but an attorney-closing state: a licensed Georgia attorney must conduct the closing and record the seller-carry second-position note — a title company alone cannot. 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 attorney closes the deal, records the note in second position, and that note repays our funds plus 2.5% — typically same-day through the attorney’s trust account. Standard turnaround is about 48 hours from a complete file. Confirm in writing that the attorney will record the note exactly as agreed.
Pricing
Flat 2.5% of the funded amount, collected through the settlement statement. No upfront fees.
| Funded amount | Fee |
|---|---|
| $30,000 | $750 |
| $80,000 | $2,000 |
| 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 licensed Georgia closing attorney ready to record the second-position note immediately after closing
- Written confirmation from the attorney that the note will be recorded as agreed
No credit check, income verification, or tax returns.
A typical Macon Stack scenario
A long-time owner of a paid-off Vineville historic home agrees to a subject-to/seller-carry deal: a $175,000 price with the seller carrying back a note that covers the $25,000 the buyer would otherwise bring as a down payment, but the closing needs that cash present to fund. We wire $25,000 on closing day; the Georgia attorney closes the deal, records the second note, and it repays us $25,000 plus a $625 fee (2.5%) — typically same-day. The seller collects monthly income instead of a lump sum, 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 Georgia closing attorney.
Frequently Asked Questions
Who records the second note on a Macon Stack deal? +
The licensed Georgia closing attorney handling your Macon closing records the seller-carry second-position note. Georgia is an attorney-closing state, so a title company alone cannot conduct the closing or record the instrument — the attorney does both. 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 the attorney's trust account. Confirm in writing that the attorney will record the note exactly as agreed before scheduling.
What Macon 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 Macon, that's common with long-tenured owners of historic homes in Intown and Vineville who hold significant paid-off equity and prefer steady payments to a single cash-out check. If there's a large assignment fee instead of seller financing, Echo is usually the better tool for the deal.
How is Stack different from a double close in Macon? +
A double close has us fund the full A-B purchase, repaid from the end buyer's proceeds at the same closing. 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 must be conducted by a licensed Georgia attorney, but Stack hinges on the seller-financing terms and the attorney being ready to record the second note immediately after closing.
Apply for Stack Funding in Macon, GA
Submit your application online — same-day decisions for complete files before 2 PM Eastern.