Stack Funding in Arlington, TX | Swift Deal Funding

Stack (Morby Method) funding in Arlington, TX

Stack funding provides the cash a title company needs in escrow at closing when a seller carry-back note covers the buyer’s down payment but no real money is yet at the table. In Arlington, where appreciation across the DFW mid-cities has left long-time landlords sitting on substantial equity, more of them are open to carrying financing, and that gap shows up on creative-finance deals.

With a median sale price around $340,000 and seller-finance structures concentrated among equity-rich owners near downtown and the universities, Arlington produces a steady flow of carry-back deals. Typical Stack amounts here run $25,000 to $80,000, with capacity up to $10 million per transaction. The recorded seller-carry note repays our funds plus a flat 2.5%, often same-day via title. We never pull credit, verify income, or ask for tax returns.

How a Stack deal closes in Arlington

Since Texas closings go through title companies and the wet-funding rule keeps cash in escrow before disbursement, Stack fits the gap exactly:

1. The deal is set up with the seller carrying a note that covers the down payment and closing costs.
2. We wire the cash the closing table needs on closing day.
3. Title pays out the seller’s proceeds and records the carry-back note in second position.
4. The recorded second-position note then repays us our funds plus the flat 2.5%, typically same-day through title.

Confirm with your Arlington title company that they will record the second lien and handle the disbursement order as agreed before you set the closing date.

Pricing

Flat 2.5% of the funded amount. No upfront fees, collected through the closing statement:

Funded Amount	Fee	Example
$50,000	2.5% flat	$1,250
$100,000	2.5% flat	$2,500
$500,000	2.5% flat	$12,500
Up to $10,000,000	2.5% flat	$250,000

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
• Title company prepared to record the seller-carry second-position note immediately after closing
• Written confirmation from title that the note will be recorded as agreed

A local note: equity-rich, long-time Arlington landlords are your best candidates for seller financing, but make sure the carry-back amount fully covers the down payment plus closing costs before you commit.

A typical Arlington Stack scenario

An investor buys a duplex near the University of Texas at Arlington on owner financing from a landlord who bought it years before the mid-cities run-up. The seller agrees to carry a $65,000 note covering the down payment and closing costs, but Texas wet-funding rules still require that cash in escrow to close. We wire $65,000 on closing day; title disburses, records the carry-back note in second position, and that note repays us $65,000 plus the 2.5% fee ($1,625) — $66,625 — same-day. The investor closes without bringing personal cash to the table.

Apply

Submit your purchase contract and seller-financing terms online. We coordinate directly with your title company on the carry-back recording.

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