Stack Funding in Saint Louis, MO | Swift Deal Funding
Stack Funding in Saint Louis, MO
Stack funding — built on the Morby Method — supplies the cash a St. Louis closing needs when a seller carry-back is covering the buyer’s down payment but the title company still requires real funds in escrow to close. We wire that cash to the table, and the recorded second-position note repays our advance plus a flat 2.5%, often the same day through title.
The St. Louis market makes this common. With a city median near $180,000 and a deep bench of equity-rich, tired landlords holding brick multifamily in Dutchtown and North City, owner-finance and subject-to deals come up frequently — and those are exactly what Stack is built for. Typical funded amounts run $20,000 to $70,000, with capacity to $10 million per transaction.
How a Stack Deal Closes in Saint Louis
Missouri is a title/escrow, wet-funding state, so one St. Louis title company disburses and records — no closing attorney as in Kentucky or Alabama. You structure a seller carry-back covering the down payment and costs, we wire the required cash on closing day, the closer disburses to the seller and records the carry-back as a second-position deed of trust, and that note repays us plus 2.5%, typically same-day.
Plan around the city’s point-of-sale occupancy permit, which can add a step before a residential transfer closes. Confirm both the occupancy process and second-position recording mechanics with your St. Louis title company locally.
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 | 2.5% flat |
What You’ll Need
- Executed purchase contract with seller-financing terms
- A seller carry-back large enough to cover the required down payment plus closing costs
- A St. Louis title company prepared to record the second-position deed of trust right after closing
- Written confirmation from the closer that the note will be recorded as agreed
No credit check, no income verification, no tax returns.
A Typical Saint Louis Stack Scenario
A tired landlord in Dutchtown with a paid-off brick fourplex agrees to owner-finance and carry back a note covering your $35,000 down payment and costs. Title still needs that $35,000 in escrow to close. We wire it; the occupancy permit clears; the deal closes; your St. Louis title company records the seller’s carry-back as a second-position deed of trust and repays us $35,000 plus 2.5% ($875) — same day. You take the building with little of your own cash at the table.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your St. Louis title company on the carry-back recording.
Frequently Asked Questions
How is the seller carry-back recorded on a St. Louis Stack deal? +
Missouri uses deeds of trust, so the seller's carry-back is recorded as a second-position deed of trust through your St. Louis title company right after closing, and that note repays our advance plus a flat 2.5%. Missouri is a wet-funding, title/escrow state, so the closer handles disbursement and recording — no closing attorney as in Kentucky or Alabama. Confirm second-position recording, and any city occupancy-permit requirement, with your St. Louis closer before setting a date.
When does Stack beat Echo on a St. Louis deal? +
Use Stack when the deal includes seller financing — a motivated St. Louis seller with equity who carries back a note covering the down payment and costs. Use Echo when there is no carry and you only need the end buyer's down payment funded against your assignment fee. The city's brick-and-vacancy market produces many equity-rich, tired landlords in Dutchtown and North City open to owner-finance or subject-to terms, and those structures are where Stack fits best.
Does the city occupancy inspection affect a Stack closing in St. Louis? +
It can affect the closing date, not the Stack mechanics. The City of St. Louis requires a point-of-sale occupancy permit on many residential transfers, which can add a step before closing. Stack simply supplies the cash the title company needs in escrow, repaid by the recorded second note. Clear any occupancy permit in advance so disbursement and the carry-back recording happen on schedule. We underwrite the contract and carry terms — no credit, income, or tax returns.
Apply for Stack Funding in Saint Louis, MO
Submit your application online — same-day decisions for complete files before 2 PM Eastern.