Stack Funding in Nevada | Swift Deal Funding
Stack (Morby Method) funding in Nevada
Stack funding covers the cash a Nevada closing table needs when a seller carry-back note is supplying the buyer’s down payment but escrow still requires real money to close. Swift Deal Funding provides that cash; a recorded second-position note then repays our funds plus a flat 2.5%, usually the same day through escrow. It is the financing piece that lets creative seller-finance and subject-to deals close.
Nevada’s market makes this relevant despite its flip-heavy reputation. Las Vegas and Henderson pricing is high enough that some sellers prefer carrying a note over a lump-sum payout, and Reno has a steady creative-finance crowd. With roughly 3.19 million residents concentrated in Clark County, funded amounts here run larger than most markets — commonly $40,000–$150,000.
How a Stack deal closes in Nevada
Nevada is a dry-funding, escrow state, and that sequence actually suits Stack: escrow disburses after recording, so the escrow officer records the seller-carry note in second position and then funds out, repaying us plus the 2.5% in the same flow. Clark and Washoe counties support same-day eRecording, which usually keeps it inside one closing.
Closings run through escrow/title companies, not attorneys, and Nevada has no wholesaler-licensing law — disclose your interest as standard practice and document the seller-financing terms cleanly. Get written confirmation your escrow company will record the second note as agreed, and confirm the record-then-disburse order with your escrow officer or a Nevada attorney.
Pricing
Flat 2.5% of the funded amount, nothing upfront:
| Funded amount | Fee |
|---|---|
| $60,000 | $1,500 |
| $120,000 | $3,000 |
| 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 Nevada escrow company ready to record the second-position note immediately after closing
- Written confirmation from escrow that the note will be recorded as agreed
No credit check, no income verification, no tax returns.
A typical Nevada Stack scenario
An investor structures a subject-to purchase of a Reno single-family at $420,000, with the seller carrying back enough to cover the $84,000 down payment but escrow needing cash to close. We fund $84,000 at the table. Escrow records the seller-carry note in second position, funds out, and repays us $84,000 plus the 2.5% fee ($2,100) from that recorded note — same day via eRecording. 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 escrow company.
Frequently Asked Questions
How does dry funding affect a Stack deal in Nevada? +
Stack relies on recording a second-position note, and Nevada's dry-funding rule actually fits that rhythm well. Because Nevada escrow disburses after recording, the escrow officer records the seller-carry note in second position and then funds out, repaying us plus our flat 2.5% in the same flow. In Clark and Washoe counties, same-day eRecording usually keeps it inside one closing. Confirm the record-then-disburse sequence with your Las Vegas or Reno escrow officer before scheduling.
When is Stack the right tool for a Nevada investor? +
Use Stack when a Nevada seller agrees to carry back financing that covers the buyer's down payment but escrow still needs real cash to close. We supply that cash, and a recorded second note repays us plus a flat 2.5%. It is common on subject-to and creative-finance deals in Las Vegas and Reno, where pricing is high enough that even motivated sellers may prefer carrying a note over a full payout. The carry-back must cover the down payment plus closing costs.
What does Stack funding cost in Nevada? +
A flat 2.5% of the funded amount, nothing upfront, collected on the closing statement. Nevada deals run larger, so a $60,000 Stack costs $1,500 and a $120,000 Stack costs $3,000. 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 and costs underwrite the deal — plus written confirmation your escrow company will record the second note as agreed.
Apply for Stack Funding in Nevada
Submit your application online — same-day decisions for complete files before 2 PM Eastern.