EMD Funding in Orlando, FL | Swift Deal Funding
How EMD funding works in Orlando, FL
EMD funding covers your earnest money deposit — typically $5,000 to $25,000 — by wiring it directly to the Orlando title company or closing attorney holding escrow, usually within 24 hours of a complete file. The deposit must be refundable under your contract’s inspection or due-diligence terms. You fund the deposit only, not the purchase.
With Orlando’s vacation-rental and relocation demand keeping good homes in high competition, a credible deposit posted fast is a real edge. EMD funding lets you compete without tying up working capital.
Pricing
Two options on every EMD:
| Option | Upfront | At Close | Best For |
|---|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD | High close-through rates |
| B | 10% of EMD (min $1,000) | 0% | Predictable per-deal cost (most popular) |
Example: a $15,000 Orlando EMD under Option B costs $1,500 total, paid once, with nothing at closing.
What you’ll need
- Fully executed purchase contract with refundable EMD language
- Orlando title company / closing attorney contact
- Written confirmation from title that the EMD is refundable per contract terms
- Borrower ID
No credit, income, or tax checks. Orlando note: on STR-targeted homes, use your due-diligence period to confirm permitting and HOA rules while keeping the deposit refundable.
A typical Orlando EMD scenario
A wholesaler ties up a 3/2 in College Park aimed at a short-term-rental buyer, but the seller wants a $14,000 deposit within a day to take it off market. The investor doesn’t want to lock up $14,000 of their own cash before lining up the assignee. EMD funding wires $14,000 to the title company the next morning. Under Option B the cost is $1,400, paid once. The contract holds, the due-diligence period keeps the deposit refundable, and the wholesaler markets the assignment with capital intact.
Apply
Submit your contract and title company contact online — usually under 10 minutes. Same-day wire is possible for complete files before 11 AM Eastern. We coordinate directly with your title company.
Frequently Asked Questions
How fast can EMD reach an Orlando title company? +
Usually within 24 hours of a complete file and written confirmation from title that the deposit is refundable — same-day for files in before 11 AM Eastern. Orlando's investor and vacation-rental demand keeps good deals moving fast, so getting funded earnest money to the closing agent quickly often wins the contract. We wire straight to your title company, not to you.
Is my deposit refundable on an Orlando vacation-rental deal? +
Only if your contract keeps it refundable. On an STR purchase, your due-diligence period is when permitting, HOA short-term-rental rules and zoning need to check out — and the FAR/BAR inspection window is what protects the deposit during that review. We require written confirmation from title that the EMD is refundable per your contract terms before funding, so those contingencies need to be in place.
Why do Orlando wholesalers use EMD funding? +
To lock up deals quickly without draining capital, particularly when competing for vacation-rental-ready homes that investors snap up fast. EMD funding lets you post a credible $10,000-$25,000 deposit while keeping your own cash free for the next deal. You fund only the deposit, not the purchase, and it sits in escrow at your title company.
Apply for EMD Funding in Orlando, FL
Submit your application online — same-day decisions for complete files before 2 PM Eastern.