Stack Funding in San Antonio, TX | Swift Deal Funding
Stack (Morby Method) funding in San Antonio, TX
Stack funding provides the cash a title company needs in escrow at closing when a seller carry-back note covers the buyer’s down payment but no real money is yet at the table. In San Antonio, an affordable, military-anchored market with plenty of long-time, equity-rich owners, that gap shows up regularly on creative-finance deals.
With a median sale price around $270,000 — the lowest of the major Texas metros — carry-back notes here tend to be smaller, and seller-finance activity concentrates on the East Side, the older West Side, and the growing South Side. Typical Stack amounts here run $30,000 to $120,000, with capacity up to $10 million per transaction. The recorded seller-carry note repays our funds plus a flat 2.5%, often same-day via title. We never pull credit, verify income, or ask for tax returns.
How a Stack deal closes in San Antonio
In Texas, title companies run closings and the wet-funding rule requires cash in escrow before disbursement — the exact gap Stack bridges:
- The seller agrees to carry a note covering the down payment and closing costs.
- We wire the cash the table needs on closing day.
- The title company disburses to the seller and records the carry-back note in second position.
- The recorded second-position note repays our funds plus the flat 2.5%, generally same-day through title.
Confirm with your San Antonio title company that they will record the second lien and handle the disbursement order as agreed before you set the closing date.
Pricing
Flat 2.5% of the funded amount. No upfront fees, collected through the closing statement:
| Funded Amount | Fee | Example |
|---|---|---|
| $50,000 | 2.5% flat | $1,250 |
| $100,000 | 2.5% flat | $2,500 |
| $500,000 | 2.5% flat | $12,500 |
| Up to $10,000,000 | 2.5% flat | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back amount large enough to cover the required down payment plus closing costs
- Title company prepared to record the seller-carry second-position note immediately after closing
- Written confirmation from title that the note will be recorded as agreed
A local note: long-time owners of paid-off older San Antonio homes are often willing to carry — confirm the carry-back fully covers the down payment plus closing costs before you commit.
A typical San Antonio Stack scenario
An investor buys a paid-off East Side home on owner financing from a long-time owner who agrees to carry a $50,000 note covering the down payment and closing costs. Texas wet-funding rules still require that cash in escrow to close. We wire $50,000 on closing day; title disburses, records the carry-back note in second position, and that note repays us $50,000 plus the 2.5% fee ($1,250) — $51,250 — same-day. The investor closes the seller-financed deal without bringing personal cash to the table.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your title company on the carry-back recording.
Frequently Asked Questions
How does Stack funding work on a San Antonio seller-finance deal? +
Stack provides the cash a San Antonio title company needs in escrow at closing when a seller carry-back note covers the buyer's down payment but no real money is at the table. We wire that cash on closing day; title disburses to the seller and records the carry-back note in second position. The recorded note then repays our funds plus a flat 2.5%, usually same-day through title. It is the Morby Method structure. Confirm the second-lien recording and disbursement order with your title company before you set the closing date.
Are San Antonio's affordable prices a good fit for Stack? +
Yes. With a median around $270,000 — the most affordable of the big Texas metros — San Antonio carry-back notes and the cash Stack funds tend to be smaller, which keeps the flat 2.5% modest. Long-time owners with paid-off older homes on the East and South Sides are often open to carrying financing, creating steady creative-finance opportunities. Texas wet-funding rules still require cash in escrow to close, and Stack fills that gap. We underwrite the contract's seller-financing terms, not the property's age or condition.
Stack or Echo for a San Antonio deal? +
Use Stack when the seller is carrying financing and a recorded second-position note repays us after closing — common on San Antonio subject-to and owner-finance deals with equity-rich, long-time owners. Use Echo when you are assigning a straight contract and your assignment fee repays the funded down payment from seller proceeds the same day, which works well on the city's affordable assignment volume. Both front cash at the closing table; if the seller is carrying paper, Stack is the right tool. Confirm with your title company.
Apply for Stack Funding in San Antonio, TX
Submit your application online — same-day decisions for complete files before 2 PM Eastern.