Stack Funding in Oklahoma | Swift Deal Funding
Stack (Morby Method) Funding in Oklahoma
Stack funding solves a specific creative-finance problem: a seller agrees to carry back a note that covers the buyer’s down payment, but the title company still needs real money in escrow to close. Stack supplies that cash at the table. The recorded seller-carry note then repays our funds plus a flat 2.5% fee. In Oklahoma, funded amounts typically run $30,000 to $100,000, with capacity to $10 million.
This is principal-side acquisition financing, not a contract assignment, so it sits apart from the assignment structures the 2021 Predatory Real Estate Wholesaler Prevention Act was written to police. That distinction matters in Oklahoma — but it isn’t absolute. If your overall structure involves assigning equitable interest at any point, the Act’s licensing-or-disclosure rules still reach you. Confirm your exact structure with an Oklahoma attorney before you close.
How Stack closes in Oklahoma
Oklahoma’s wet-funding rule makes the Morby Method straightforward here. Our cash is in the title company’s escrow before anything records. On closing day the title officer records the deed, records your seller-carry note in second position, disburses to the seller, and our recorded note repays our funds plus the 2.5% — usually the same business day. Because Oklahoma closes through a title company rather than a mandated attorney, your OKC or Tulsa title officer handles the recording sequence; we confirm with them in advance that the carry-back will record exactly as your contract specifies.
Pricing
Flat 2.5% of the funded amount. No upfront fees — collected through the closing statement.
| Funded Amount | Fee | Example |
|---|---|---|
| $50,000 | 2.5% | $1,250 |
| $100,000 | 2.5% | $2,500 |
| $500,000 | 2.5% | $12,500 |
| Up to $10,000,000 | 2.5% | $250,000 |
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
- Oklahoma title company prepared to record the second-position note immediately after closing
- Written confirmation from title that the note will record as agreed
A typical Oklahoma Stack scenario
An OKC investor negotiates a subject-to-style acquisition where the seller carries back $40,000 — enough to cover the down payment and closing costs on a $200,000 house. The lender’s terms require that $40,000 to actually hit escrow to close. We fund it. The Tulsa-area title company records the deed and the seller-carry note in second position; on the same day our recorded note repays the $40,000 plus the $1,000 fee. The investor acquires the property with none of their own cash at the table, and the seller’s note quietly satisfies our repayment.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate the carry-back recording directly with your title company.
Frequently Asked Questions
How does Stack funding interact with Oklahoma's wholesaler law? +
Stack funds the cash needed at closing on a seller-financed deal where you're acquiring as a principal, not assigning a contract — so it sits differently from the assignment scenarios the 2021 Predatory Real Estate Wholesaler Prevention Act targets. Still, if any leg of your structure involves assigning equitable interest, the disclosure or licensing rules apply. Walk your specific creative-finance structure past an Oklahoma attorney to confirm where you stand.
Will an Oklahoma title company record a second-position note same-day? +
Yes. Because Oklahoma is a wet-funding, title/escrow state, our cash is already in escrow when the deal records. The title company records the deed, records your seller-carry note in second position, and our recorded note then repays our funds plus the flat 2.5% — typically the same business day. We confirm with your OKC or Tulsa title officer in advance that they'll record the carry-back exactly as the contract specifies.
What makes a Stack deal work in Oklahoma's market? +
Oklahoma's affordable price points in OKC and Tulsa mean sellers with real equity are common, and many will carry a note rather than insist on a full cash-out. When that carry-back covers the buyer's down payment plus closing costs, Stack supplies the actual dollars title needs in escrow to close. It's a strong fit for subject-to and owner-finance acquisitions where the seller is effectively the lender and you only need working capital at the table.
Apply for Stack Funding in Oklahoma
Submit your application online — same-day decisions for complete files before 2 PM Eastern.