Stack Funding
Stack (Morby Method) funding up to $10 million. When the seller agrees to a carry-back note large enough to cover the buyer's down payment, we provide the cash at closing so the deal can fund. The seller-carry note records immediately after closing and repays our funds plus a flat 2.5% fee. Net result: the buyer closes with effectively $0 out of pocket.
Per transaction
Flat, of funded amount
All fees at close
Net out of pocket
How a Stack deal closes
A Stack works when the deal already has seller financing built in. The seller agrees to a large carry-back note — but the title company still needs real cash at the closing table to disburse to the seller for their net proceeds and pay closing costs. We provide that cash. After closing, the seller-carry note (in second position) immediately starts paying us back.
- Step 1
Deal structured
Seller agrees to a carry-back note covering down payment + closing costs.
- Step 2
We fund the cash
On closing day, we wire the cash needed at the table to title.
- Step 3
Closing executes
Title disburses to seller, records the carry-back note in second position.
- Step 4
Note repays us
The recorded note pays back our funds plus 2.5% — often same-day via title.
When Stack is the right fit
Stack works when the deal structure includes meaningful seller financing. If the seller will not carry back, you probably want Double Close or Echo instead.
- Motivated seller with equity
Seller has substantial equity and prefers a note over an immediate full cash payout.
- Subject-to deal scenarios
Where the seller-carry covers what would otherwise be a buyer down payment.
- Creative finance investors
Buyers who structure deals with multi-tranche financing and need closing cash without traditional bank loans.
- Owner-finance + Stack combo
Where the seller is the primary lender and we cover the working capital gap at closing.
Stack Funding — All 50 States
Click any state for stack funding pricing details, market context, and application links specific to that state.
Stack Funding — 50 Most Active Markets
City-specific stack funding pages with local market context for high-volume real estate investor cities.
Stack Funding FAQ
What is a Stack deal (Morby Method)? +
A Stack deal is when the seller agrees to a seller-finance note large enough to cover the buyer's down payment — but the title company still needs real cash sitting in escrow to actually close. We put up that cash on closing day. Right after the close, the seller-carry second-position note is recorded, and that note repays our funds plus our 2.5% fee. The buyer can close with effectively zero cash out of pocket while the seller still receives their full agreed-upon price.
How is Stack different from a Double Close? +
A Double Close involves two separate transactions on the same day (A→B and B→C) with you (the wholesaler) in the middle. A Stack is one transaction where the seller provides a large carry-back note and we cover the cash needed at the closing table. After closing, the seller's note repays our funds. Stack works when seller financing is part of the deal structure; Double Close works when you are flipping the contract to an end buyer.
What if the seller-carry note is not recorded? +
We require written confirmation from the title company that the seller-carry note will be recorded immediately after closing — typically same-day. We verify this before disbursing funds. If for some reason the note is not recorded as agreed, the borrower remains liable for repayment of our funded amount plus fees.
What is the maximum amount you fund? +
Up to $10 million per Stack transaction. Most Stack deals we fund are between $50,000 and $1 million in down payment/closing cost coverage.
How quickly can a Stack deal fund? +
Standard turnaround is about 48 hours from complete application to wire-ready, including underwriting and title company confirmation. Same-day is possible for complete files submitted before 11 AM Eastern. We wire to the closing agent by 9 AM on the day of closing.
What documents do you need for a Stack? +
Executed purchase contract, the seller financing addendum or note terms showing the carry-back amount, title commitment from the closing agent, and borrower identification. We do not require credit checks, income verification, or tax returns. We verify with title that the seller-carry note will be recorded post-closing.
Stack your next deal
Submit your purchase contract and seller-financing terms online. Standard turnaround 48 hours. Same-day possible for complete applications.