Stack Funding in Tucson, AZ | Swift Deal Funding
Stack (Morby Method) Funding in Tucson, AZ
Stack funding provides the cash needed at the closing table when a seller carry-back note covers the buyer’s down payment but escrow still requires real funds to close. The recorded second-position note repays our funds plus a flat 2.5% fee — often the same business day. Tucson Stack deals typically run $30,000–$100,000 funded, with capacity to $10,000,000 per transaction.
Stack suits Tucson’s creative-finance deals. With a median around $340,000 and many long-term owners holding adobe and block homes in the Barrio and midtown areas, sellers here will often carry paper rather than take a full cash payout — especially retirees and landlords exiting near the University of Arizona. Subject-to and owner-finance structures show up regularly, and Stack covers the working capital escrow needs to record.
How a Stack deal closes in Tucson (dry-funding, record-first)
Arizona is a dry-funding escrow state, which sets the Stack timeline. The Tucson escrow agent records before disbursing — nothing releases at signing. The sequence:
- The deal is structured with a seller carry-back covering down payment + closing costs.
- We wire the cash needed to close into escrow.
- The deal signs; escrow records the deed, then the carry-back note in second position with Pima County.
- Once recording confirms, escrow disburses and the recorded note repays our funds plus 2.5%.
The recorded second-position note is the repayment instrument, so recording is mandatory — and because Arizona disburses post-recording, your escrow officer’s recording cutoff determines whether it clears same day.
Pricing
Flat 2.5% of the funded amount, collected on the settlement statement. No upfront fees.
| Funded Amount | Fee |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
| Up to $10,000,000 | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back ≥ required down payment + closing costs
- A Tucson escrow agent prepared to record the second-position note immediately after closing
- Written confirmation from escrow that the note will be recorded as agreed
No credit check, income verification, or tax returns; no Arizona wholesaler license required.
A typical Tucson Stack scenario
You structure an owner-finance deal on a Barrio adobe where the seller carries a $48,000 note covering the down payment and costs, but escrow still needs $40,000 of real funds to close. We wire the $40,000 into your Tucson escrow. The deal signs; escrow records the deed and your second-position carry-back note with Pima County. Once recording clears, escrow disburses and the recorded note repays our $40,000 plus the $1,000 fee — same business day when the file is in early.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate with your Tucson escrow agent on the carry-back recording.
Frequently Asked Questions
How does Stack funding work with Arizona's record-first rule in Tucson? +
Stack supplies the cash needed at closing when a seller carry-back covers the buyer's down payment but escrow still needs real funds to close. Arizona is a dry-funding escrow state, so the Tucson escrow agent records before disbursing. We wire the closing cash; escrow records the deed and the second-position carry-back note with Pima County, then disburses. The recorded second note repays our funds plus the flat 2.5% — usually the same business day once recording confirms. Confirm the recording sequence with your escrow officer.
Does the carry-back note have to be recorded for Stack in Tucson? +
Yes. The structure depends on the second-position carry-back note recording with Pima County. In Arizona's record-first model, escrow records the deed first, then the carry-back note in second position, then disburses. That recorded note is our repayment instrument, so your Tucson escrow agent must confirm in writing they'll record it as agreed before we fund — that confirmation is a core requirement, not a formality.
Stack or Echo for a Tucson deal? +
Choose Stack when seller financing is part of the structure — a seller carrying a note rather than taking full cash, common on subject-to and owner-finance deals among Tucson's long-held adobe and block homes. The carry-back must cover the down payment plus closing costs. Choose Echo when repayment comes from a sizable assignment fee with no seller note. Both front cash at the Tucson close; Stack is repaid by the recorded second note, Echo from seller proceeds.
Apply for Stack Funding in Tucson, AZ
Submit your application online — same-day decisions for complete files before 2 PM Eastern.