Stack Funding in Nebraska | Swift Deal Funding
Stack (Morby Method) funding in Nebraska
Stack funding covers the cash a Nebraska closing table needs when a seller carry-back note is supplying the buyer’s down payment but escrow still requires real money to close. Swift Deal Funding provides that cash; a recorded second-position note then repays our funds plus a flat 2.5%, usually the same day through title. It is the piece that lets creative seller-finance and subject-to deals actually close.
Nebraska suits this well. A large share of its housing is held by long-term, equity-rich owners — in Omaha and Lincoln, and across smaller towns like Norfolk, Columbus, and the farm belt — who are often open to carrying a note instead of cashing out. With roughly 1.98 million residents and a stable, affordable market, creative structures can win deals that cash offers do not. Funded amounts here typically run $20,000–$70,000.
How a Stack deal closes in Nebraska
Nebraska is a wet-funding state that closes through title/escrow companies, so the mechanics stay clean: once documents are signed and funds are escrowed, the title office disburses to the seller and records the carry-back note in second position with no separate dry-funding delay. Our funds are repaid from that recorded note, typically same-day.
Nebraska has no wholesaler-licensing statute, so disclose your interest as standard practice and document the seller-financing terms cleanly. Get written confirmation that your title company will record the second-position note as agreed, and verify the order of operations with your escrow officer or a Nebraska attorney.
Pricing
Flat 2.5% of the funded amount, nothing upfront:
| Funded amount | Fee |
|---|---|
| $40,000 | $1,000 |
| $100,000 | $2,500 |
| Up to $10,000,000 | 2.5% flat |
What you’ll need
- Executed purchase contract with seller-financing terms
- A carry-back amount that covers the required down payment plus closing costs
- A Nebraska title company ready to record the second-position note right after closing
- Written confirmation from title that the note will be recorded as agreed
No credit check, no income verification, no tax returns.
A typical Nebraska Stack scenario
An investor structures a subject-to purchase of an Omaha duplex at $190,000, with the seller carrying back enough to cover the $38,000 down payment but title needing cash in escrow to close. We fund $38,000 at the table. Escrow disburses, records the seller-carry note in second position, and our funds plus the 2.5% fee ($950) are repaid from that note. The deal closes the same day, and the investor controls the property with little cash in.
Apply
Submit your purchase contract and seller-financing terms online; we coordinate the carry-back recording with your title company.
Frequently Asked Questions
When should a Nebraska investor use Stack funding? +
Use Stack when a Nebraska seller agrees to carry back financing that covers the buyer's down payment, but the title company still needs real cash in escrow to close. We supply that cash, and a recorded second-position note repays us plus a flat 2.5%. It is common on subject-to and owner-finance deals with equity-rich, motivated sellers — the kind of long-tenured owners you find across Omaha, Lincoln, and Nebraska's smaller farm-belt towns who prefer carrying a note to a full cash payout.
How does the carry-back note get recorded in Nebraska? +
Nebraska closes through title/escrow companies and is a wet-funding state, so once documents are signed and funds are escrowed the title office can disburse and record the seller-carry note in second position without a separate dry-funding step. We require written confirmation from your Nebraska title company that it will record the note as agreed before funding. Confirm the exact recording sequence with your escrow officer or a Nebraska attorney.
What does Stack funding cost in Nebraska? +
A flat 2.5% of the funded amount, nothing upfront, collected on the closing statement. A $40,000 Stack costs $1,000; a $100,000 Stack costs $2,500. We do not check credit, income, or tax returns. What underwrites the deal is the purchase contract with seller-financing terms plus a carry-back large enough to cover the down payment and closing costs — confirm the title company can record the second note as planned before you schedule.
Apply for Stack Funding in Nebraska
Submit your application online — same-day decisions for complete files before 2 PM Eastern.