Stack Funding in Columbus, OH | Swift Deal Funding
Stack (Morby Method) Funding in Columbus, OH
Stack funding supplies the cash you need at the Columbus closing table when a seller carry-back note covers the buyer’s down payment — but title still needs real money in escrow to close. Swift Deal Funding is a direct lender: a recorded second-position note repays our funds plus a flat 2.5% fee, often same-day through title. No credit check, no income docs, no tax returns, all 50 states.
In a fast-appreciating market like Columbus, creative finance is attractive on both sides — sellers earn note income plus a higher agreed price, and buyers acquire without big down payments. Stack is the cash that makes those subject-to and owner-finance deals actually close at the Franklin County table.
How a Stack Deal Closes in Columbus
Ohio is a title/escrow, wet-funding state with no attorney mandate, so a Franklin County title company runs it:
- Seller agrees to a carry-back note covering the down payment and closing costs.
- We wire the cash needed at the table on closing day.
- Title disburses to the seller and records the carry-back note in second position.
- That recorded note repays our funds plus 2.5% — typically same-day through title.
Confirm your Columbus closer will record the second note immediately after closing.
Pricing
Flat 2.5% of the funded amount, collected at close — nothing upfront.
| Funded Amount | Fee (2.5%) |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
What You’ll Need
- Executed purchase contract with seller-financing terms
- Carry-back amount ≥ required down payment + closing costs
- Franklin County title company ready to record the second-position note immediately after closing, confirmed in writing
A Typical Columbus Stack Scenario
A creative-finance buyer puts a small Linden multifamily under contract at $310,000, with the owner agreeing to carry back $62,000 to cover the down payment and closing costs — happy to earn note income as the area appreciates. The title company still needs that $62,000 as escrow funds to close. Stack wires it in; the deal closes; title records the seller’s carry-back note in second position; and that note repays our $62,000 plus a $1,550 fee, same-day. The buyer acquires an appreciating asset with no down-payment cash of their own.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate the carry-back recording directly with your title company.
Frequently Asked Questions
Do seller carry-backs make sense in fast-appreciating Columbus? +
Yes — often more so. In a rising market like Columbus, sellers who carry paper get income plus the upside of a higher agreed price, and buyers can acquire without large down-payment cash. Stack supplies the real escrow funds a Franklin County title company still needs to close once the seller carry-back covers the down payment. The recorded second-position note repays our funds plus a flat 2.5%, typically same-day through title.
Stack or Echo for a Columbus creative-finance deal? +
Echo is repaid from your assignment fee — best for straight wholesale flips to an end buyer. Stack is repaid by a recorded second-position note and is built for seller-financed deals where the carry-back replaces the buyer's down payment. In Columbus's market of motivated sellers and creative-finance buyers chasing appreciation, Stack fits subject-to and owner-finance structures; Echo fits assignments with a healthy fee. We can help you decide which your deal supports.
Will a Franklin County title company record the carry-back note for Stack? +
Recording a seller-carry second note is routine in Ohio. Stack requires your Columbus title company to be ready to record the carry-back in second position immediately after closing, with written confirmation. Ohio is a title/escrow, wet-funding state, so the closer disburses and records in sequence, and our funds are repaid from that recorded note. With Columbus's higher transaction volume, most metro closers handle these recordings regularly — confirm timing with yours.
Apply for Stack Funding in Columbus, OH
Submit your application online — same-day decisions for complete files before 2 PM Eastern.