Stack Funding in Montana | Swift Deal Funding
Stack (Morby Method) funding in Montana
Stack funding covers the cash a Montana closing table needs when a seller carry-back note is providing the buyer’s down payment but escrow still requires real money to close. Swift Deal Funding supplies that cash; a recorded second-position note then repays our funds plus a flat 2.5%, usually the same day through title. It is the financing piece that makes creative seller-finance and subject-to deals actually close.
Montana is fertile ground for this because so much of its inventory is held by long-tenured, equity-rich owners — in Billings, Great Falls, the Bitterroot, and small towns across the state — who are open to carrying a note rather than cashing out entirely. With roughly 1.13 million residents and limited new supply, creative structures often beat all-cash offers. Funded amounts here typically run $15,000–$50,000.
How a Stack deal closes in Montana
Montana is a wet-funding state that closes through title/escrow companies, which keeps the mechanics straightforward: once documents are signed and funds are escrowed, the title office disburses to the seller and records the carry-back note in second position without a separate dry-funding recording delay. Our funds are repaid from that recorded note, typically same-day.
Montana has no wholesaler-licensing statute, so disclose your interest as standard practice and keep the seller-financing terms documented cleanly. Get written confirmation that your title company will record the second-position note as agreed, and confirm the order of operations with your escrow officer or a Montana attorney before scheduling.
Pricing
Flat 2.5% of the funded amount, nothing upfront:
| Funded amount | Fee |
|---|---|
| $40,000 | $1,000 |
| $100,000 | $2,500 |
| 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 Montana title company ready to record the second-position note right after closing
- Written confirmation from title that the note will be recorded as agreed
No credit check, no income verification, no tax returns.
A typical Montana Stack scenario
An investor structures a subject-to purchase of a Great Falls single-family at $220,000, with the seller carrying back enough to cover the $44,000 down payment but the title company needing cash in escrow to close. We fund $44,000 at the table. Escrow disburses, records the seller-carry note in second position, and our funds plus the 2.5% fee ($1,100) are repaid from that note. The deal closes the same day, and the investor controls the property with minimal cash in.
Apply
Submit your purchase contract and seller-financing terms online; we coordinate the carry-back recording with your title company.
Frequently Asked Questions
When does Stack funding fit a Montana seller-finance deal? +
Stack fits when a Montana seller agrees to carry back financing that covers the buyer's down payment, but the title company still needs real cash in escrow to close. We supply that cash at the table, and a recorded second-position note repays us plus a flat 2.5%. It is common on subject-to and owner-finance deals with equity-rich, motivated sellers — the kind you find among long-time owners in Billings, Great Falls, and rural Montana who would rather carry a note than take a full cash payout.
How does the second-position note get recorded in Montana? +
Montana closes through title/escrow companies, and it is a wet-funding state, so once documents are signed and funds are escrowed the title office can disburse and record the seller-carry note in second position without waiting on a separate dry-funding recording step. We require written confirmation from your title company that it will record the note as agreed before we fund. Confirm the recording sequence with your escrow officer or a Montana attorney.
What does Stack funding cost in Montana? +
A flat 2.5% of the funded amount, with nothing upfront — collected through the closing statement. On a $40,000 Stack the fee is $1,000; on $100,000 it is $2,500. Montana has no general sales tax, so no sales-tax line gets added on top. We do not check credit, income, or tax returns; the purchase contract with seller-financing terms and a carry-back large enough to cover the down payment plus costs are what underwrite the funding.
Apply for Stack Funding in Montana
Submit your application online — same-day decisions for complete files before 2 PM Eastern.