Stack Funding in Orlando, FL | Swift Deal Funding
Stack (Morby Method) funding in Orlando, FL
Stack funding provides the cash needed at the closing table when a seller carry-back note covers the buyer’s down payment but the title company still requires real funds in escrow to close. The recorded second-position seller-carry note repays our funds plus a flat 2.5% — often same-day through title.
Orlando’s creative-finance scene is fed by investors building vacation-rental and rental portfolios who want to stretch limited cash across multiple acquisitions, plus motivated sellers willing to carry paper. That makes seller-carry and subject-to structures common here. Stack deals in this market commonly fund $40,000 to $130,000, with capacity to $10 million per transaction.
How a Stack deal closes in Orlando, FL
- Deal structured. The seller agrees to a carry-back note covering the down payment plus closing costs.
- Cash at the table. Under Florida wet-funding, we wire the needed cash to the Orlando title company on closing day.
- Closing executes. Title disburses to the seller and records the seller-carry note in second position.
- Note repays. The recorded second note pays back our funds plus 2.5% — typically same-day through title.
Confirm with your Orlando title agent that the second-position note will record as agreed, and clear any STR-loan or permitting items in advance so the date holds.
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back amount large enough to cover the required down payment plus closing costs
- An Orlando title company prepared to record the seller-carry second note immediately after closing
- Written confirmation from title that the note will be recorded as agreed
Pricing
Flat 2.5% of the funded amount. No upfront fees. Collected through the closing statement.
| Funded Amount | Fee |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
| Up to $10,000,000 | $250,000 |
A typical Orlando Stack scenario
An investor buys a 3/2 near College Park for $340,000 with the seller carrying a $65,000 second to cover the down payment, but the senior lender needs that down payment as verified funds at closing. Stack wires the $65,000 to the title company on closing day. Title disburses to the seller, records our second-position note, and the note repays $66,625 ($65,000 + 2.5%) — typically same-day. The buyer adds the property with minimal cash in the deal.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your Orlando title company on the carry-back recording.
Frequently Asked Questions
When does Stack fit an Orlando deal? +
When a seller carries back financing that covers the buyer's down payment but title still needs real funds in escrow to close. Stack provides that cash at the table; a recorded second-position note repays us plus a flat 2.5%, typically same-day through title. It's common on Orlando creative-finance and subject-to deals, including investors assembling vacation-rental portfolios who want to preserve liquidity across multiple buys.
Can I use Stack to acquire an Orlando rental property? +
Yes. If the seller carries a note covering your down payment on a rental purchase, Stack supplies the cash the senior lender or title needs in escrow at closing, then the recorded second note repays us plus 2.5%. The vacation-rental loan's own conditions affect the closing date, not the Stack mechanics. Confirm with your Orlando title agent that the second note can record immediately after closing.
How is Stack different from Echo in Orlando? +
Both put cash on the table. Echo is repaid from seller proceeds — your assignment fee — at closing. Stack is repaid by a recorded seller-carry second note after closing. In Orlando, choose Echo for clean assignments with a strong fee, and Stack when the seller is financing the deal and a carry-back covers what would otherwise be the buyer's down payment.
Apply for Stack Funding in Orlando, FL
Submit your application online — same-day decisions for complete files before 2 PM Eastern.