Stack Funding in Wyoming | Swift Deal Funding
Stack (Morby Method) funding in Wyoming
Stack funding supplies the cash a Wyoming closing needs when a seller carry-back note covers the buyer’s down payment but the title company still requires real funds at the table to close. We wire that cash; a recorded second-position note then repays our principal plus a flat 2.5%. Funded amounts in Wyoming typically run $15,000 to $50,000, with capacity to $10 million per transaction. It’s what lets Morby Method creative-finance deals get done across Wyoming.
Wyoming’s property mix — ranch land, energy-town housing that swings with oil and gas cycles, and longtime owner-occupied homes around Cheyenne and Casper — tends to leave sellers with real equity and a tolerance for carrying paper, especially when a quick all-cash payout isn’t on the table. That’s the seller profile Stack is built around. The state’s no-income-tax appeal also keeps creative-finance buyers active in the relocation corridors.
How a Stack deal closes in Wyoming
Wyoming is a wet-funding, title-company state, so the title office disburses against our wire at the table and records the carry-back note. The seller carries a note that covers the down payment plus costs; we supply the cash the closing calls for; the title company pays the seller and records the seller-carry note in second position; that recorded note then returns our principal plus 2.5%, typically the same day. Because Wyoming’s rural county clerks run varied recording schedules, confirm the recording position and timing with your title company before closing.
Pricing for Stack in Wyoming
Flat 2.5% of the funded amount, collected on the settlement statement. No upfront fee.
| 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 for Stack in Wyoming
- Executed purchase contract with seller-financing terms
- A carry-back amount at least covering the required down payment plus closing costs
- A Wyoming title company ready to record the second-position note as part of the closing
- Written confirmation from title that the note will record in the agreed position
A typical Wyoming Stack scenario
An investor structures a subject-to purchase of a Casper rental at $190,000. The seller, sitting on equity from a long hold, carries a $30,000 note covering the down payment and costs, but the title company needs $30,000 at the table to close. We wire the $30,000; the title company disburses and records the seller’s second-position note; that note repays us $30,750 (principal plus 2.5%) the same day. The investor lands the subject-to deal without tying up a cent of their own money.
Apply for Stack funding in Wyoming
Submit your contract and seller-financing terms online. We coordinate the carry-back recording directly with your title company.
Frequently Asked Questions
Who records the second note on a Wyoming Stack deal? +
Your Wyoming title company records the seller carry-back note in second position as part of the closing. Wyoming is a wet-funding, title-company state, so the title office disburses against our wire at the table and handles recording the second-position note. That recorded note repays us — principal plus a flat 2.5% — typically the same day. Rural county clerk recording timelines vary across Wyoming, so confirm with your title company that the note will record in the agreed position.
Does Stack work for subject-to deals in Wyoming? +
Yes. Subject-to and other seller-financed structures are exactly where Stack fits. When a Wyoming seller carries back a note covering what would be the buyer's down payment, the title company still needs real funds at the table to close. We supply that cash, and the recorded carry-back note repays us. Wyoming's mix of ranch and energy-cycle properties produces equity-rich owners open to carrying paper. Bring the seller-financing terms in your contract and confirm the recording plan with your title company.
Stack or Echo for a Wyoming investor? +
Choose Stack when the deal uses seller financing — a carry-back note covers the down payment and the title company records it to repay us. Choose Echo for a straight assignment, where your fee repays us directly with no note to record. If your Wyoming deal is a seller-carry, owner-finance, or subject-to structure, Stack is the right tool. Both put cash on the closing table; only Stack involves recording a second-position note through the title company.
Apply for Stack Funding in Wyoming
Submit your application online — same-day decisions for complete files before 2 PM Eastern.