Stack Funding in Oklahoma City, OK | Swift Deal Funding
Stack Funding in Oklahoma City, OK
Stack funding — built around the Morby Method — covers the cash a closing table needs when a seller agrees to carry back a note for the buyer’s down payment, but title still requires actual funds to close. Swift Deal Funding wires that cash at closing; a recorded second-position note then repays our funds plus a flat 2.5%, often the same day through title.
In Oklahoma City, creative-finance deals are common because so much of the inventory is older, long-held property. A retiree sitting on equity in a Capitol Hill duplex or a south-side rental may prefer carrying paper over a full cash-out — and Stack lets a wholesaler structure that without bringing the down payment out of pocket.
How a Stack Deal Closes in Oklahoma City
Oklahoma is a wet-funding, title/escrow state. The seller agrees to a carry-back covering the down payment plus costs, we wire cash at the table, the OKC title company disburses and records the carry-back note in second position, and that recorded note repays us plus 2.5% — typically same-day.
Because Stack supports a seller-financed acquisition rather than an assignment, it doesn’t change the analysis under Oklahoma’s 2021 Predatory Real Estate Wholesaler Prevention Act — but your equitable-interest disclosure and any licensing obligations remain yours. Confirm with your OKC closing attorney.
Pricing
Flat 2.5% of the funded amount, collected through the closing statement. Nothing upfront.
| Funded amount | Fee |
|---|---|
| $30,000 | $750 |
| $50,000 | $1,250 |
| $70,000 | $1,750 |
What You’ll Need
- Executed purchase contract with seller-financing terms
- Carry-back amount ≥ required down payment + closing costs
- Oklahoma City title company ready to record the 2nd note immediately after closing
- Written confirmation from title that the note will be recorded as agreed
Local note: keep your seller-finance and disclosure documentation consistent with the Oklahoma wholesaler act, and confirm the recording sequence with your OKC closer.
A Typical Oklahoma City Stack Scenario
You acquire a Capitol Hill rental at $185,000 on a subject-to with a $35,000 seller carry-back covering the down payment and costs. Title needs that $35,000 in cash at the table to close. Stack funds it; the fee is $875. The OKC title company closes, records the 2nd note, and that note repays us $35,875 — the seller carries the rest, and you took control of a cash-flowing property with none of your own capital at closing.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate the carry-back recording with your title company directly.
Frequently Asked Questions
How does the seller-carry note get recorded in Oklahoma City? +
Oklahoma is a wet, title/escrow state, so your OKC title company records the seller carry-back note in second position immediately after the closing funds disburse. Our cash goes in at the table, the deal closes, and that recorded 2nd note repays our funds plus the flat 2.5% — often the same day through title. We need written confirmation that the closer will record the note as agreed before we fund.
Does Stack funding implicate Oklahoma's wholesaler act? +
Stack supports a seller-financed (Morby Method) acquisition, not the assign-and-market structure the 2021 Predatory Real Estate Wholesaler Prevention Act targets. Your licensing and equitable-interest disclosure obligations still apply to how you control and market the contract, so confirm your approach with an Oklahoma City closing attorney. Stack itself simply provides the cash the table needs when the seller's carry-back covers the down payment.
What kind of OKC deals fit Stack funding? +
Subject-to and seller-finance deals where a motivated Oklahoma City seller — often someone with equity in an older Capitol Hill or south-side home — agrees to carry a note covering the down payment, but title still needs real cash to close. Stack provides that cash. With OKC's roughly $200,000 median, funded amounts typically run $20,000–$70,000, and the recorded 2nd note repays us plus 2.5% through title.
Apply for Stack Funding in Oklahoma City, OK
Submit your application online — same-day decisions for complete files before 2 PM Eastern.