Stack Funding in Denver, CO | Swift Deal Funding
Stack (Morby Method) Funding in Denver, CO
Stack funding provides the cash needed at the closing table when a seller carry-back note covers the buyer’s down payment but title still requires real funds to close. The recorded second-position note repays our funds plus a flat 2.5% fee — and in Colorado, the disbursement happens at the table. Denver Stack deals typically run $45,000–$160,000 funded, with capacity to $10,000,000 per transaction.
Stack suits Denver’s creative-finance deals. With a median around $630,000 and a cooling Front Range market, many long-term owners holding homes in Montbello, Globeville, Elyria-Swansea, and Westwood will carry paper rather than take a full cash payout — a fit for owners wanting steady payments and a deferred gain. Subject-to and owner-finance structures appear regularly. Unlike its dry-funding Pacific Northwest neighbors, Colorado’s wet-funding model means the working capital and the recorded note both resolve at the table.
How a Stack deal closes in Denver (wet-funding, at the table)
Colorado is a wet-funding title-company state — the opposite of dry-funding Washington and Oregon, where escrow must record before disbursing. The sequence:
- The deal is structured with a seller carry-back covering down payment + closing costs.
- We wire the cash needed to close to the title company ahead of closing.
- The deal funds at the table; title records the deed and the carry-back note in second position with the Denver Clerk and Recorder.
- Title disburses the same day, and the recorded note repays our funds plus 2.5%.
The recorded second-position note is the repayment instrument, so recording is still mandatory — but because Colorado funds at the table, you’re not waiting on a county recording cutoff to disburse the way you would in Seattle or Portland.
Pricing
Flat 2.5% of the funded amount, collected on the settlement statement. No upfront fees.
| Funded Amount | Fee |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
| Up to $10,000,000 | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back ≥ required down payment + closing costs
- A Denver title company prepared to record the second-position note at closing
- Written confirmation from title that the note will be recorded as agreed
No credit check, income verification, or tax returns; no Colorado wholesaler license required — disclose your equitable interest.
A typical Denver Stack scenario
You structure an owner-finance deal on an Elyria-Swansea home where the seller carries a $85,000 note covering the down payment and costs, but title still needs $74,000 of real funds to close. We wire the $74,000 to your Denver title company. The deal funds at the table; title records the deed and your second-position carry-back note with the Denver Clerk and Recorder. Title disburses the same day, and the recorded note repays our $74,000 plus the $1,850 fee — no record-first wait like the Northwest.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate with your Denver title company on the carry-back recording.
Frequently Asked Questions
How does Colorado wet-funding change Stack versus its dry-funding neighbors? +
It closes at the table. Stack supplies the cash needed at closing when a seller carry-back covers the buyer's down payment but title still needs real funds to close. Colorado is a wet-funding title-company state, so the Denver title company disburses at the table rather than only after the deed records — unlike dry-funding Washington and Oregon, where escrow must record first. We wire the closing cash; the deal funds, the carry-back note records in second position, and the recorded note repays our funds plus the flat 2.5%. Confirm the sequence with your title company.
Does the carry-back note have to be recorded for Stack in Denver? +
Yes. The structure depends on the second-position carry-back note recording with the Denver Clerk and Recorder. Even though Colorado is wet-funding and disburses at the table, the carry-back still records in second position so it stands as our repayment instrument. Your Denver title company must confirm in writing they'll record it as agreed — that written confirmation is a core requirement of every Stack deal. The difference from the Northwest is timing: in Denver, funds move at the table rather than waiting on the recording.
When is Stack the right call instead of Echo in Denver? +
Use Stack when seller financing is built into the deal — a seller carrying a note rather than taking full cash, common when a long-held Denver owner in Elyria-Swansea or Westwood wants payments and a deferred gain as the Front Range market cools. The carry-back must cover the down payment plus closing costs. Use Echo when repayment comes from a sizable assignment fee with no seller note. Both front cash at the Denver close; Stack is repaid by the recorded second note, Echo from seller proceeds.
Apply for Stack Funding in Denver, CO
Submit your application online — same-day decisions for complete files before 2 PM Eastern.