Stack Funding in Texas | Swift Deal Funding
Stack (Morby Method) Funding in Texas
Stack funding supplies the cash you need at the closing table on a creative-finance deal where a seller carry-back covers the buyer’s down payment, but title still requires real funds to close. Swift Deal Funding is a direct lender: we wire the cash for closing, and a recorded second-position note repays us plus a flat 2.5% — often the same day through title.
Texas is the largest and most active wholesale and creative-finance market in the country. Stack deals here commonly fund $40,000 to $150,000 across Houston, Dallas, San Antonio, and Austin, with capacity up to $10 million per transaction. We never pull credit, verify income, or ask for tax returns.
How Stack funding closes in Texas
Texas closes through title companies, which handle recording the seller-carry note directly — no attorney required. Here is the sequence:
- The deal is structured with a seller carry-back covering the down payment plus closing costs.
- We wire the cash needed at the table on closing day.
- The title company disburses the seller’s proceeds and records the seller-carry note in second position.
- That recorded second note repays our funded cash plus the flat 2.5%, typically same-day through title.
The seller carry-back has to be at least the down payment plus closing costs. Use a Texas title company comfortable with subject-to and seller-finance recordings.
Pricing
Flat 2.5% of the funded amount, collected through the closing statement. No upfront fee:
| Funded Amount | Fee | Example |
|---|---|---|
| $50,000 | 2.5% | $1,250 |
| $100,000 | 2.5% | $2,500 |
| $150,000 | 2.5% | $3,750 |
| Up to $10,000,000 | 2.5% | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- A seller carry-back at least equal to the required down payment plus closing costs
- A Texas title company prepared to record the seller-carry second note right after closing
- Written confirmation from title that the note will be recorded as agreed
No credit check, no income docs, no tax returns.
A typical Texas Stack scenario
A Dallas investor structures a subject-to purchase where the seller carries back $60,000, covering the down payment and closing costs. Title still needs $55,000 in real funds at the table to close. We wire the $55,000. The title company disburses, records the seller-carry note in second position, and that note repays us $55,000 plus the 2.5% fee ($1,375) the same day. The investor takes the property with little of their own cash committed and a clean recorded second note in place.
Apply
Upload your purchase contract and seller-financing terms online. We coordinate directly with your title company on the carry-back recording. Standard turnaround is about 48 hours to wire-ready.
Frequently Asked Questions
Can a Texas title company record the second-position note for Stack? +
Yes. Texas closes through title companies, and recording a seller-carry note in second position is standard for them. For Stack, the title company disburses the seller's proceeds, records the carry-back note behind the senior financing, and the note repays our funded cash plus the flat 2.5%. Use a title company comfortable with creative-finance and subject-to structures — there are many in Houston, Dallas, and San Antonio given Texas's deal volume.
How does Stack work on a subject-to deal in Texas? +
On a subject-to or seller-finance deal, the seller carries back a note that covers what would otherwise be the buyer's down payment, but title still needs real funds at the table to close. Stack provides that cash. We wire it for closing; the title company records the seller-carry second note; and that note repays us plus our flat 2.5%, often same-day through title. The seller-carry has to be at least the down payment plus closing costs for the structure to work.
Is Stack or Echo better for a Texas creative-finance deal? +
It comes down to how we get repaid. Stack is repaid by a recorded second-position note from the seller carry-back, so it fits seller-financing and subject-to deals. Echo is repaid from your assignment fee out of seller proceeds, so it fits straight assignments with a down-payment gap. If your Texas deal has seller financing in the structure, Stack is the right tool; if it is an assignment, Echo is usually simpler and cheaper to coordinate.
Apply for Stack Funding in Texas
Submit your application online — same-day decisions for complete files before 2 PM Eastern.