Stack Funding in Wisconsin | Swift Deal Funding
Stack (Morby Method) funding in Wisconsin
Stack funding supplies the cash a Wisconsin closing needs when a seller carry-back note covers the buyer’s down payment but the title company still requires real funds at the table to close. We bring that cash to the closing, and a second-position note recorded behind the senior lien pays us back our principal plus a flat 2.5%. Funded amounts in Wisconsin typically run $20,000 to $70,000, with capacity to $10 million per transaction. It’s the piece that makes Morby Method creative-finance deals work across Wisconsin.
Milwaukee’s deep investor market generates the most creative-finance volume, with seller-carry opportunities throughout Madison, Green Bay, and rural Wisconsin where longtime owners hold substantial equity. The state-specific item to manage on Stack deals is the Marital Property Act — when a married seller carries a note, the spouse may need to sign the deed and the financing documents for the carry-back to be clean.
How a Stack deal closes in Wisconsin
Wisconsin is a wet-funding, title-company state, so the title office disburses against our wire at the table and records the carry-back note. The seller agrees to carry a note covering the down payment plus costs; we wire the cash the closing needs; the title company disburses to the seller and records the seller-carry note in second position; that recorded note repays us our principal plus 2.5%, typically the same day. The key local step: under the Marital Property Act, a married seller’s spouse may need to sign the conveyance and the carry-back documents, so confirm that and the recording position with your title company before closing.
Pricing for Stack in Wisconsin
Flat 2.5% of the funded amount, collected on the settlement statement. No upfront fee.
| Funded Amount | Fee | Example |
|---|---|---|
| $50,000 | 2.5% | $1,250 |
| $100,000 | 2.5% | $2,500 |
| $500,000 | 2.5% | $12,500 |
| Up to $10,000,000 | 2.5% | $250,000 |
What you’ll need for Stack in Wisconsin
- Executed purchase contract with seller-financing terms
- A carry-back amount at least covering the required down payment plus closing costs
- A Wisconsin title company ready to record the second-position note as part of the closing
- Written confirmation from title that the note will record in the agreed position (and that any required spousal signatures are in place)
A typical Wisconsin Stack scenario
An investor structures a subject-to purchase of a Green Bay rental at $175,000. The married seller carries a $35,000 note covering the down payment and costs, but the title company needs $35,000 at the table to close. Title confirms both spouses will sign under the Marital Property Act. We wire the $35,000; the title company disburses and records the seller’s second-position note; that note repays us $35,875 (principal plus 2.5%) the same day. The investor completes the subject-to purchase without putting any of their own money into the closing.
Apply for Stack funding in Wisconsin
Submit your contract and seller-financing terms online. We coordinate the carry-back recording directly with your title company.
Frequently Asked Questions
How does the Marital Property Act affect a Wisconsin Stack deal? +
Wisconsin is a marital-property state, so a married seller who is carrying back a note may need their spouse to join both the deed and the financing documents for the conveyance and the carry-back to be valid. Stack depends on that recorded second-position note being clean, so missing a spousal signature can cloud it. Your title company will flag the requirement in the commitment. Line up both spouses to sign and confirm with title that the second note will record in the agreed position.
Does Stack work for subject-to deals in Wisconsin? +
Yes. Subject-to and other seller-financed structures are exactly where Stack fits. When a Wisconsin seller carries back a note covering what would be the buyer's down payment, the title company still needs real funds at the table to close. We supply that cash, and the recorded carry-back note repays us. Because Wisconsin is wet-funding, the title office disburses at the table and records the second note. Bring the seller-financing terms in your contract, and watch the Marital Property Act spousal-signature point on married sellers.
Stack or Echo for a Wisconsin investor? +
Choose Stack when the deal uses seller financing — a carry-back note covers the down payment and the title company records it to repay us. Choose Echo for a straight assignment, where your fee repays us directly with no note to record. If your Wisconsin deal is a seller-carry, owner-finance, or subject-to structure, Stack is the right tool. Both put cash on the closing table; only Stack involves recording a second-position note, which is where the Marital Property Act signature point matters most.
Apply for Stack Funding in Wisconsin
Submit your application online — same-day decisions for complete files before 2 PM Eastern.