Stack Funding in Missouri | Swift Deal Funding
Stack (Morby Method) funding in Missouri
Stack funding provides the cash a deal needs at the closing table when a seller carry-back note covers the buyer’s down payment but the closing still requires real funds to clear. We supply the cash; a recorded second-position deed of trust repays our funds plus a flat 2.5%, often the same day through title. Typical funded amounts in Missouri run $30,000–$100,000, with capacity up to $10 million per transaction.
Missouri’s fast non-judicial trustee-sale process tends to produce motivated sellers — owners with equity who’d rather carry a note and close quickly than wait out a foreclosure. That dynamic makes seller-financed structures common, especially in Kansas City and St. Louis, two deep wholesale markets with active local investors and out-of-state buyer interest, plus regional volume in Springfield, Columbia and Independence. Stack lets a creative-finance investor close those carry-back deals without bringing the down payment in cash.
How a Stack deal closes in Missouri
Missouri is a title/escrow-closing, deed-of-trust state, and a non-judicial foreclosure (trustee-sale) state. The title company conducts the closing and records instruments with the county recorder, without a mandatory attorney. The seller’s carry-back is documented as a deed of trust and our repayment note records as a second-position deed of trust behind it, with a named trustee. The title company disburses to the seller, records both instruments, and our funds plus the 2.5% are repaid — typically same day. Given Missouri’s quick foreclosure timelines, confirm priority and the second-position recording with your title company up front, and verify with local title counsel on creative structures. We wire by 9 AM Eastern (8 AM Central).
Pricing
Flat 2.5% of the funded amount, settled through the closing statement — nothing upfront:
| Funded amount | Fee |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| Up to $10,000,000 | 2.5% flat |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back large enough to cover the required down payment plus closing costs
- Title company ready to record the second-position deed of trust immediately after closing
- Written confirmation from the title company that the note will record as agreed
No credit check, no income verification, no tax returns. Missouri note: confirm the named trustee and second-position priority before closing so the recording is clean.
A typical Missouri Stack scenario
A St. Louis owner with equity, facing a tight timeline, agrees to carry back a note covering the buyer’s down payment rather than wait out a trustee sale — but the closing still needs cash at the table to clear. You bring in Stack: we provide the funds, the title company disburses to the seller, records the carry-back and our second-position deed of trust, and our cash plus 2.5% is repaid through the close. You closed a seller-financed deal fast, without fronting the down payment.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your title company on the second-position recording.
Frequently Asked Questions
Does Missouri use a deed of trust for the seller carry-back? +
Yes — Missouri secures real estate debt with deeds of trust and is a non-judicial trustee-sale state. For Stack, the seller's carry-back is documented as a deed of trust and our repayment note records as a second-position deed of trust behind it, with a named trustee. That's standard for Missouri title companies. The product works the same way regardless: cash at the table, repaid by the recorded second deed of trust plus a flat 2.5%. Confirm the priority and trustee details with your title company.
Who records the second-position note on a Missouri Stack deal? +
Missouri closes through title companies and escrow agents, so the title company conducts the closing and records the deed of trust with the county recorder — no mandatory attorney. Our repayment note records in second position behind the seller's carry-back. We coordinate with the title company so it records immediately after closing, and our funds plus the flat 2.5% are repaid, typically the same day. Confirm the title company is set up to record the second deed of trust as agreed.
Why does Stack fit Missouri's distressed, fast-foreclosure market? +
Missouri's quick trustee-sale process produces motivated sellers — owners with equity facing a tight timeline who'd rather carry a note and close fast than wait out a sale. That's exactly where Stack works: the seller carry-back covers the buyer's down payment, we provide the cash needed at the table, and a recorded second deed of trust repays us. In active Kansas City and St. Louis markets, that lets a creative-finance investor close a seller-financed deal quickly without fronting the down payment.
Apply for Stack Funding in Missouri
Submit your application online — same-day decisions for complete files before 2 PM Eastern.