Stack Funding in West Palm Beach, FL | Swift Deal Funding
Stack Funding in West Palm Beach, FL
Stack funding — built on the Morby Method — supplies the cash a West Palm Beach closing needs at the table when a seller carry-back note covers the buyer’s down payment but title still requires real funds in escrow to close. The recorded seller-carry note then repays our funds plus a flat 2.5%, often same-day through title. It’s the right tool for creative-finance and subject-to deals across Palm Beach County — single-family stock in Northwood and Pleasant City, or equity-rich condos where an owner prefers payments over a full cash payout. Capacity runs up to $10 million per transaction.
How Stack funding closes in West Palm Beach
Florida is a wet-funding, title-company closing state, so one Palm Beach County title office both disburses proceeds and records the seller-carry second-position note — no separate attorney leg as in Georgia. The seller agrees to a carry-back covering the down payment and costs. On closing day we wire the cash title needs at the table; the deal closes, the note records in second position, and it repays our funds plus 2.5% — typically same-day through title. Standard turnaround is about 48 hours from a complete file. Confirm in writing that the title office will record the note as agreed.
Pricing
Flat 2.5% of the funded amount, collected through the settlement statement. No upfront fees.
| Funded amount | Fee |
|---|---|
| $35,000 | $875 |
| $80,000 | $2,000 |
| 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 Palm Beach County title company ready to record the second-position note immediately after closing
- Written confirmation from title that the note will be recorded as agreed
No credit check, income verification, or tax returns.
A typical West Palm Beach Stack scenario
A long-time owner of a $400,000 Northwood property agrees to a subject-to/seller-carry deal. The carry-back covers the $35,000 the buyer would otherwise bring as a down payment, but title needs that cash present to close. We wire $35,000 on closing day; the deal closes, the second note records, and it repays us $35,000 plus an $875 fee (2.5%) — typically same-day. The seller collects payments, the buyer needed little cash, and you keep the spread.
Apply
Send your purchase contract and seller-financing terms online — we coordinate the carry-back recording directly with your title company.
Frequently Asked Questions
Who records the second note on a West Palm Beach Stack deal? +
The Florida title company handling your Palm Beach County closing records the seller-carry second-position note. Florida is a title-company closing state, so the same office that disburses proceeds also records the note that repays us — no separate attorney step like Georgia requires. We bring the cash needed at the table on closing day, and the recorded second note repays our funds plus a flat 2.5%, often same-day through title. Get written confirmation that the title office will record the note as agreed before scheduling.
What West Palm Beach deals fit Stack funding? +
Stack fits seller-financed structures where a motivated seller carries back a note covering the buyer's down payment, but title still needs real funds at the table to close. In West Palm Beach, that includes subject-to deals on single-family stock in Northwood and Pleasant City, and equity-rich condos where an owner prefers payments to a full cash-out. If there's a large assignment fee rather than seller financing, Echo is usually the better tool.
How is Stack different from a double close in West Palm Beach? +
A double close has us fund the full A-B purchase, repaid from the end buyer's proceeds at the same closing. Stack is for seller-financed deals: the carry-back covers the down payment, we supply only the cash title needs at the table, and a recorded second-position note repays us afterward. Both close through a Palm Beach County title company, but Stack depends on the seller-financing terms and the title office being ready to record the second note immediately after closing.
Apply for Stack Funding in West Palm Beach, FL
Submit your application online — same-day decisions for complete files before 2 PM Eastern.